feat: OMNL Bank online production — 128 chains, Central Bank UI, settlement stack

Co-authored-by: Cursor <cursoragent@cursor.com>

services/settlement-middleware/src/workflows/external-transfer.ts

@@ -0,0 +1,171 @@
+import { v4 as uuidv4 } from 'uuid';
+import {
+  buildMoneySupplySnapshot,
+  isIbanValid,
+  m2FiatToTokenLoadAmount,
+  resolveInstrumentGl,
+  rollExternalTransferVerbiage,
+  swiftKindForRequest,
+  type ExternalTransferRequest,
+  type SettlementRecord,
+} from '@dbis/settlement-core';
+import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../config';
+import { fetchGlBalances, postJournalEntry } from '../adapters/fineract';
+import { HybxProductionRail } from '../adapters/hybx-production';
+import { archiveIso20022, requestTokenMint } from '../adapters/omnl';
+import { buildMt102Stub, buildMt103Stub, forwardSwiftToListener } from '../adapters/swift';
+import { settlementStore } from '../store/settlement-store';
+
+function glId(code: string): number {
+  return parseInt(code, 10);
+}
+
+export async function processExternalTransfer(
+  input: ExternalTransferRequest,
+): Promise<SettlementRecord> {
+  const cfg = loadConfig();
+  const profile = loadOfficeProfile();
+  const officeId = settlementOfficeId(input.officeId);
+  const req: ExternalTransferRequest = { ...input, officeId };
+
+  const existing = settlementStore.getByIdempotencyKey(req.idempotencyKey);
+  if (existing?.phase === 'SETTLED') return existing;
+
+  const now = new Date().toISOString();
+  let record: SettlementRecord = existing ?? {
+    settlementId: uuidv4(),
+    idempotencyKey: req.idempotencyKey,
+    phase: 'RECEIVED',
+    request: req,
+    errors: [],
+    createdAt: now,
+    updatedAt: now,
+  };
+
+  const advance = (phase: SettlementRecord['phase'], patch: Partial<SettlementRecord> = {}) => {
+    record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+    settlementStore.save(record);
+  };
+
+  try {
+    if (!isIbanValid(req.creditorIban)) {
+      throw new Error(`Invalid creditor IBAN: ${req.creditorIban}`);
+    }
+    advance('VALIDATED');
+
+    const verbiage = rollExternalTransferVerbiage(req);
+    advance('VERBIAGE_ROLLED', { verbiageDocument: verbiage });
+
+    const amount = parseFloat(req.amount) || 0;
+    const tf = req.tradeFinance;
+    const gl = tf ? resolveInstrumentGl(tf.instrument) : null;
+    const debitGl = gl?.debitGl ?? profile.settlement.glSettlement ?? cfg.moneySupply.glSettlement;
+    const creditGl = gl?.creditGl ?? profile.settlement.glM1 ?? cfg.moneySupply.glM1;
+
+    if (amount > 0) {
+      const je = await postJournalEntry({
+        officeId: req.officeId,
+        transactionDate: req.valueDate,
+        referenceNumber: req.idempotencyKey,
+        comments: verbiage.slice(0, 500),
+        debits: [{ glAccountId: glId(debitGl), amount }],
+        credits: [{ glAccountId: glId(creditGl), amount }],
+      });
+      advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+    } else {
+      advance('FINERACT_POSTED');
+    }
+
+    if (cfg.rails.hybx.enabled && req.rail !== 'INTERNAL') {
+      const hybx = new HybxProductionRail();
+      const pay = await hybx.dispatchPayment({
+        idempotencyKey: req.idempotencyKey,
+        amount: req.amount,
+        currency: req.currency,
+        creditorIban: req.creditorIban,
+        creditorBic: req.creditorBic,
+        beneficiaryName: req.beneficiaryName,
+        remittanceInfo: req.remittanceInfo,
+        rail: req.rail,
+      });
+      advance('HYBX_RAIL_DISPATCHED', { hybxPaymentId: pay.paymentId });
+    } else {
+      advance('HYBX_RAIL_DISPATCHED');
+    }
+
+    const swiftKind = swiftKindForRequest(req);
+    const swiftRaw =
+      swiftKind === 'MT102'
+        ? buildMt102Stub({
+            senderRef: req.idempotencyKey,
+            currency: req.currency,
+            amount: req.amount,
+            valueDate: req.valueDate,
+            orderingInstitution: req.orderingName ?? cfg.omnlLegalName,
+            beneficiary: req.beneficiaryName,
+            iban: req.creditorIban,
+            remittance: req.remittanceInfo,
+          })
+        : buildMt103Stub({
+            senderRef: req.idempotencyKey,
+            currency: req.currency,
+            amount: req.amount,
+            valueDate: req.valueDate,
+            orderingCustomer: req.orderingName ?? cfg.omnlLegalName,
+            beneficiary: req.beneficiaryName,
+            iban: req.creditorIban,
+            bic: req.creditorBic,
+            remittance: req.remittanceInfo,
+          });
+
+    if (cfg.rails.swift.enabled) {
+      await forwardSwiftToListener(swiftRaw);
+    }
+    const iso = await archiveIso20022({
+      messageType: swiftKind === 'MT102' ? 'pacs.008' : 'pacs.008',
+      direction: 'OUTBOUND',
+      raw: swiftRaw,
+      settlementRef: record.settlementId,
+    });
+    advance('ISO20022_ARCHIVED', { iso20022MessageId: iso.messageId });
+
+    if (req.convertToCrypto?.enabled) {
+      const balances = await fetchGlBalances(req.officeId);
+      const snap = buildMoneySupplySnapshot(req.officeId, balances);
+      const { loadAmount, fullyBacked } = m2FiatToTokenLoadAmount(
+        req.amount,
+        snap.M2.broadMoney,
+      );
+      if (!fullyBacked) {
+        record.errors.push(`M2 backing insufficient for token load (${loadAmount}/${req.amount})`);
+      }
+      const mint = await requestTokenMint({
+        lineId: req.convertToCrypto.tokenLineId,
+        amount: loadAmount,
+        recipient: req.convertToCrypto.recipientAddress,
+        settlementRef: record.settlementId,
+        dryRun: !cfg.production.allowChainMintExecute,
+      });
+      advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+    } else {
+      advance('CHAIN_MINT_REQUESTED');
+    }
+
+    advance('SETTLED');
+    return record;
+  } catch (err) {
+    const msg = err instanceof Error ? err.message : String(err);
+    record.errors.push(msg);
+    advance('FAILED');
+    return record;
+  }
+}
+
+export async function getMoneySupply(officeId: number) {
+  const balances = await fetchGlBalances(officeId);
+  return buildMoneySupplySnapshot(officeId, balances);
+}
+
+export function getSettlementStatus(id: string): SettlementRecord | null {
+  return settlementStore.getById(id);
+}