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

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

services/settlement-middleware/src/workflows/token-load.ts

@@ -0,0 +1,115 @@
+import { v4 as uuidv4 } from 'uuid';
+import {
+  buildMoneySupplySnapshot,
+  GL_CODES,
+  m2FiatToTokenLoadAmount,
+  type TokenLoadRequest,
+  type SettlementRecord,
+} from '@dbis/settlement-core';
+import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../config';
+import { fetchGlBalances, postJournalEntry } from '../adapters/fineract';
+import { requestTokenMint } from '../adapters/omnl';
+import { settlementStore } from '../store/settlement-store';
+
+function glId(code: string): number {
+  return parseInt(code, 10);
+}
+
+export async function processTokenLoad(input: TokenLoadRequest): Promise<SettlementRecord> {
+  const cfg = loadConfig();
+  const profile = loadOfficeProfile();
+  const officeId = settlementOfficeId(input.officeId);
+  const req = { ...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: {
+      idempotencyKey: req.idempotencyKey,
+      officeId,
+      valueDate: now.slice(0, 10),
+      currency: req.currency ?? 'USD',
+      amount: req.amount,
+      creditorIban: 'INTERNAL-M2-TOKEN-LOAD',
+      beneficiaryName: req.recipientAddress,
+      remittanceInfo: `M2 token load ${req.lineId} → ${req.symbol ?? req.tokenAddress ?? 'token'}`,
+      moneyLayers: ['M2'],
+      rail: 'INTERNAL',
+      convertToCrypto: {
+        enabled: true,
+        targetChainId: 138,
+        tokenLineId: req.lineId,
+        recipientAddress: req.recipientAddress,
+      },
+    },
+    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 {
+    advance('VALIDATED');
+    advance('VERBIAGE_ROLLED', {
+      verbiageDocument: [
+        `OMNL M2 fiat-backed token load`,
+        `Office ${officeId} · line ${req.lineId}`,
+        `Amount ${req.amount} · recipient ${req.recipientAddress}`,
+        `GL ${GL_CODES.M2_BROAD} → ${GL_CODES.CRYPTO_TOKEN_LIABILITY}`,
+      ].join('\n'),
+    });
+
+    const balances = await fetchGlBalances(officeId);
+    const snap = buildMoneySupplySnapshot(officeId, balances);
+    const { loadAmount, fullyBacked } = m2FiatToTokenLoadAmount(req.amount, snap.M2.broadMoney);
+    if (!fullyBacked) {
+      record.errors.push(`M2 backing insufficient (${loadAmount}/${req.amount})`);
+      advance('FAILED');
+      return record;
+    }
+
+    const amount = parseFloat(loadAmount) || 0;
+    if (amount > 0) {
+      const je = await postJournalEntry({
+        officeId,
+        transactionDate: now.slice(0, 10),
+        referenceNumber: req.idempotencyKey,
+        comments: `M2 token load ${req.lineId}`,
+        debits: [{ glAccountId: glId(profile.settlement.glM2 ?? GL_CODES.M2_BROAD), amount }],
+        credits: [{ glAccountId: glId(GL_CODES.CRYPTO_TOKEN_LIABILITY), amount }],
+      });
+      advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+    } else {
+      advance('FINERACT_POSTED');
+    }
+
+    advance('HYBX_RAIL_DISPATCHED');
+    advance('ISO20022_ARCHIVED');
+
+    const mint = await requestTokenMint({
+      lineId: req.lineId,
+      amount: loadAmount,
+      recipient: req.recipientAddress,
+      settlementRef: record.settlementId,
+      dryRun: !cfg.production.allowChainMintExecute,
+      symbol: req.symbol,
+      tokenAddress: req.tokenAddress,
+    });
+    advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+    advance('SETTLED');
+    return record;
+  } catch (err) {
+    record.errors.push(err instanceof Error ? err.message : String(err));
+    advance('FAILED');
+    return record;
+  }
+}