dscf-banking 0.1.0

data/app/models/dscf/banking/product_category.rb

@@ -0,0 +1,22 @@
+module Dscf::Banking
+  class ProductCategory < ApplicationRecord
+    self.table_name = "dscf_banking_product_categories"
+
+    validates :name, presence: true, uniqueness: true, length: { maximum: 100 }
+    validates :description, length: { maximum: 1000 }
+    validates :is_active, inclusion: { in: [ true, false ] }
+
+    scope :active, -> { where(is_active: true) }
+    scope :inactive, -> { where(is_active: false) }
+    scope :by_name, ->(name) { where("name ILIKE ?", "%#{name}%") }
+
+    before_validation :strip_whitespace
+
+    private
+
+    def strip_whitespace
+      self.name = name&.strip
+      self.description = description&.strip
+    end
+  end
+end

data/app/models/dscf/banking/virtual_account_product.rb

@@ -0,0 +1,50 @@
+module Dscf::Banking
+  class VirtualAccountProduct < ApplicationRecord
+    include Auditable
+
+    self.table_name = "dscf_banking_virtual_account_products"
+
+    enum :status, {
+      draft: 0,
+      pending_approval: 1,
+      approved: 2,
+      rejected: 3
+    }
+
+    belongs_to :product_category, class_name: "Dscf::Banking::ProductCategory", optional: true
+    belongs_to :created_by, class_name: "Dscf::Core::User"
+    belongs_to :approved_by, class_name: "Dscf::Core::User", optional: true
+
+    has_many :product_approvals, class_name: "Dscf::Banking::ProductApproval", dependent: :destroy
+    has_many :product_audit_logs, class_name: "Dscf::Banking::ProductAuditLog", dependent: :destroy
+
+    validates :product_code, presence: true, uniqueness: { case_sensitive: true }, length: { maximum: 50 }
+    validates :product_name, presence: true, length: { maximum: 200 }
+    validates :description, length: { maximum: 1000 }
+    validates :document_reference, length: { maximum: 100 }
+    validates :rejection_reason, length: { maximum: 500 }
+    validates :is_active, inclusion: { in: [ true, false ] }
+    validates :status, presence: true
+    validates :approved_by, presence: true, if: -> { status == "approved" }
+
+    scope :active, -> { where(is_active: true) }
+    scope :inactive, -> { where(is_active: false) }
+    scope :by_status, ->(status) { where(status: status) }
+    scope :by_product_code, ->(code) { where(product_code: code) }
+    scope :by_product_name, ->(name) { where("product_name ILIKE ?", "%#{name}%") }
+    scope :by_category, ->(category_id) { where(product_category_id: category_id) }
+    scope :created_by_user, ->(user_id) { where(created_by_id: user_id) }
+
+    before_validation :strip_whitespace
+
+    private
+
+    def strip_whitespace
+      self.product_code = product_code&.strip
+      self.product_name = product_name&.strip
+      self.description = description&.strip
+      self.document_reference = document_reference&.strip
+      self.rejection_reason = rejection_reason&.strip
+    end
+  end
+end

data/app/serializers/dscf/banking/interest_configuration_serializer.rb

@@ -0,0 +1,11 @@
+module Dscf::Banking
+  class InterestConfigurationSerializer < ActiveModel::Serializer
+    attributes :id, :virtual_account_product_id, :interest_rate_type_id, :annual_interest_rate,
+               :income_tax_rate, :minimum_balance_for_interest, :calculation_method, :compounding_period,
+               :interest_basis, :accrual_frequency, :rounding_rule, :calculation_timing,
+               :promotional_start_date, :promotional_end_date, :is_active, :created_at, :updated_at
+
+    belongs_to :virtual_account_product, serializer: VirtualAccountProductSerializer
+    belongs_to :interest_rate_type, serializer: InterestRateTypeSerializer
+  end
+end

data/app/serializers/dscf/banking/interest_rate_tier_serializer.rb

@@ -0,0 +1,8 @@
+module Dscf::Banking
+  class InterestRateTierSerializer < ActiveModel::Serializer
+    attributes :id, :tier_order, :balance_min, :balance_max, :interest_rate, :description,
+               :created_at, :updated_at
+
+    belongs_to :interest_config, serializer: InterestConfigurationSerializer
+  end
+end

data/app/serializers/dscf/banking/interest_rate_type_serializer.rb

@@ -0,0 +1,5 @@
+module Dscf::Banking
+  class InterestRateTypeSerializer < ActiveModel::Serializer
+    attributes :id, :code, :name, :description, :created_at, :updated_at
+  end
+end

data/app/serializers/dscf/banking/product_approval_serializer.rb

@@ -0,0 +1,11 @@
+module Dscf::Banking
+  class ProductApprovalSerializer < ActiveModel::Serializer
+    attributes :id, :virtual_account_product_id, :submitted_by_id, :submitted_at,
+               :reviewed_by_id, :reviewed_at, :status, :comments, :approval_level,
+               :created_at, :updated_at
+
+    belongs_to :virtual_account_product, serializer: VirtualAccountProductSerializer
+    belongs_to :submitted_by
+    belongs_to :reviewed_by
+  end
+end

data/app/serializers/dscf/banking/product_category_serializer.rb

@@ -0,0 +1,5 @@
+module Dscf::Banking
+  class ProductCategorySerializer < ActiveModel::Serializer
+    attributes :id, :name, :description, :is_active, :created_at, :updated_at
+  end
+end

data/app/serializers/dscf/banking/virtual_account_product_serializer.rb

@@ -0,0 +1,10 @@
+module Dscf::Banking
+  class VirtualAccountProductSerializer < ActiveModel::Serializer
+    attributes :id, :product_code, :product_name, :description, :document_reference,
+               :status, :rejection_reason, :is_active, :created_at, :updated_at
+
+    belongs_to :product_category, serializer: ProductCategorySerializer
+    belongs_to :created_by
+    belongs_to :approved_by
+  end
+end

data/config/routes.rb

@@ -0,0 +1,12 @@
+Dscf::Banking::Engine.routes.draw do
+  resources :product_categories
+  resources :interest_rate_types
+  resources :virtual_account_products do
+    member do
+      get :audit_logs
+    end
+  end
+  resources :interest_configurations
+  resources :interest_rate_tiers
+  resources :product_approvals
+end

data/db/migrate/20250830211002_create_dscf_banking_product_categories.rb

@@ -0,0 +1,14 @@
+class CreateDscfBankingProductCategories < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_product_categories do |t|
+      t.string :name, null: false, limit: 100
+      t.text :description
+      t.boolean :is_active, null: false, default: true
+
+      t.timestamps
+    end
+
+    add_index :dscf_banking_product_categories, :name, unique: true
+    add_index :dscf_banking_product_categories, :is_active
+  end
+end

data/db/migrate/20250830211027_create_dscf_banking_interest_rate_types.rb

@@ -0,0 +1,17 @@
+class CreateDscfBankingInterestRateTypes < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_interest_rate_types do |t|
+      t.string :name, null: false, limit: 100
+      t.text :description
+      t.string :calculation_method, null: false, limit: 50
+      t.string :compounding_period, limit: 50
+      t.boolean :is_active, null: false, default: true
+
+      t.timestamps
+    end
+
+    add_index :dscf_banking_interest_rate_types, :name, unique: true
+    add_index :dscf_banking_interest_rate_types, :calculation_method
+    add_index :dscf_banking_interest_rate_types, :is_active
+  end
+end

data/db/migrate/20250831063605_add_code_and_remove_fields_from_interest_rate_types.rb

@@ -0,0 +1,12 @@
+class AddCodeAndRemoveFieldsFromInterestRateTypes < ActiveRecord::Migration[8.0]
+  def change
+    add_column :dscf_banking_interest_rate_types, :code, :string, limit: 20, null: false
+    add_index :dscf_banking_interest_rate_types, :code, unique: true, name: "idx_interest_rate_types_code"
+
+    remove_column :dscf_banking_interest_rate_types, :calculation_method, :string
+    remove_column :dscf_banking_interest_rate_types, :compounding_period, :string
+    remove_column :dscf_banking_interest_rate_types, :is_active, :boolean
+
+    change_column :dscf_banking_interest_rate_types, :name, :string, limit: 50, null: false
+  end
+end

data/db/migrate/20250831064917_create_dscf_banking_virtual_account_products.rb

@@ -0,0 +1,26 @@
+class CreateDscfBankingVirtualAccountProducts < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_virtual_account_products do |t|
+      t.string :product_code, limit: 50, null: false
+      t.string :product_name, limit: 200, null: false
+      t.references :product_category, null: true, foreign_key: { to_table: :dscf_banking_product_categories }
+      t.text :description
+      t.string :document_reference, limit: 100
+      t.integer :status, default: 0
+      t.references :created_by, null: false, foreign_key: { to_table: :dscf_core_users }
+      t.references :approved_by, null: true, foreign_key: { to_table: :dscf_core_users }
+      t.timestamp :approved_at
+      t.text :rejection_reason
+      t.boolean :is_active, default: true
+
+      t.timestamps
+    end
+
+    add_index :dscf_banking_virtual_account_products, :product_code, unique: true, name: "idx_products_code"
+    add_index :dscf_banking_virtual_account_products, :status, name: "idx_products_status"
+    add_index :dscf_banking_virtual_account_products, :product_category_id, name: "idx_products_category"
+    add_index :dscf_banking_virtual_account_products, :created_by_id, name: "idx_products_created_by"
+    add_index :dscf_banking_virtual_account_products, :approved_by_id, name: "idx_products_approved_by"
+    add_index :dscf_banking_virtual_account_products, :is_active, name: "idx_products_active"
+  end
+end

data/db/migrate/20250831072627_create_dscf_banking_interest_configurations.rb

@@ -0,0 +1,26 @@
+class CreateDscfBankingInterestConfigurations < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_interest_configurations do |t|
+      t.references :virtual_account_product, null: false, foreign_key: { to_table: :dscf_banking_virtual_account_products }
+      t.references :interest_rate_type, null: false, foreign_key: { to_table: :dscf_banking_interest_rate_types }
+      t.decimal :annual_interest_rate, precision: 5, scale: 4
+      t.decimal :income_tax_rate, precision: 5, scale: 4, default: 0.05
+      t.decimal :minimum_balance_for_interest, precision: 18, scale: 2, default: 0
+      t.date :promotional_start_date
+      t.date :promotional_end_date
+      t.integer :calculation_method
+      t.integer :compounding_period
+      t.integer :interest_basis
+      t.integer :accrual_frequency
+      t.integer :rounding_rule
+      t.datetime :calculation_timing
+      t.boolean :is_active, default: true
+
+      t.timestamps
+    end
+
+    add_index :dscf_banking_interest_configurations, :virtual_account_product_id, name: 'idx_interest_config_product'
+    add_index :dscf_banking_interest_configurations, :interest_rate_type_id, name: 'idx_interest_config_type'
+    add_index :dscf_banking_interest_configurations, :is_active, name: 'idx_interest_config_active'
+  end
+end

data/db/migrate/20250831080745_create_dscf_banking_interest_rate_tiers.rb

@@ -0,0 +1,18 @@
+class CreateDscfBankingInterestRateTiers < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_interest_rate_tiers do |t|
+      t.references :interest_config, null: false, foreign_key: { to_table: :dscf_banking_interest_configurations }
+      t.integer :tier_order, null: false
+      t.decimal :balance_min, precision: 18, scale: 2, null: false
+      t.decimal :balance_max, precision: 18, scale: 2
+      t.decimal :interest_rate, precision: 5, scale: 4, null: false
+      t.string :description, limit: 200
+
+      t.timestamps
+    end
+
+    add_index :dscf_banking_interest_rate_tiers, [ :interest_config_id, :tier_order ], unique: true, name: "unique_tier_order"
+    add_index :dscf_banking_interest_rate_tiers, :interest_config_id, name: "idx_rate_tiers_config"
+    add_index :dscf_banking_interest_rate_tiers, [ :interest_config_id, :tier_order ], name: "idx_rate_tiers_order"
+  end
+end

data/db/migrate/20250831082356_create_dscf_banking_product_approvals.rb

@@ -0,0 +1,22 @@
+class CreateDscfBankingProductApprovals < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_product_approvals do |t|
+      t.references :virtual_account_product, null: false, foreign_key: { to_table: :dscf_banking_virtual_account_products }
+      t.references :submitted_by, null: false, foreign_key: { to_table: :dscf_core_users }
+      t.timestamp :submitted_at, null: false, default: -> { "CURRENT_TIMESTAMP" }
+      t.references :reviewed_by, null: true, foreign_key: { to_table: :dscf_core_users }
+      t.timestamp :reviewed_at
+      t.integer :status, null: false, default: 0
+      t.text :comments
+      t.integer :approval_level, default: 1
+
+      t.timestamps null: false, default: -> { "CURRENT_TIMESTAMP" }
+    end
+
+    add_index :dscf_banking_product_approvals, :virtual_account_product_id, name: "idx_approvals_product"
+    add_index :dscf_banking_product_approvals, :status, name: "idx_approvals_status"
+    add_index :dscf_banking_product_approvals, :submitted_by_id, name: "idx_approvals_submitted_by"
+    add_index :dscf_banking_product_approvals, :reviewed_by_id, name: "idx_approvals_reviewed_by"
+    add_index :dscf_banking_product_approvals, :submitted_at, name: "idx_approvals_submitted_at"
+  end
+end

data/db/migrate/20250831083907_create_dscf_banking_product_audit_logs.rb

@@ -0,0 +1,18 @@
+class CreateDscfBankingProductAuditLogs < ActiveRecord::Migration[8.0]
+  def change
+    create_table :dscf_banking_product_audit_logs do |t|
+      t.references :virtual_account_product, null: false, foreign_key: { to_table: :dscf_banking_virtual_account_products }
+      t.references :changed_by, null: false, foreign_key: { to_table: :dscf_core_users }
+      t.integer :change_type, null: false
+      t.jsonb :old_values
+      t.jsonb :new_values
+      t.text :change_description
+      t.timestamps null: false, default: -> { 'CURRENT_TIMESTAMP' }
+    end
+
+    add_index :dscf_banking_product_audit_logs, :virtual_account_product_id, name: 'idx_audit_product'
+    add_index :dscf_banking_product_audit_logs, :changed_by_id, name: 'idx_audit_user'
+    add_index :dscf_banking_product_audit_logs, :created_at, name: 'idx_audit_created_at'
+    add_index :dscf_banking_product_audit_logs, :change_type, name: 'idx_audit_change_type'
+  end
+end

data/db/migrate/20250831084706_allow_null_virtual_account_product_id_in_product_audit_logs.rb

@@ -0,0 +1,5 @@
+class AllowNullVirtualAccountProductIdInProductAuditLogs < ActiveRecord::Migration[8.0]
+  def change
+    change_column_null :dscf_banking_product_audit_logs, :virtual_account_product_id, true
+  end
+end

data/lib/dscf/banking/engine.rb

@@ -0,0 +1,24 @@
+module Dscf
+  module Banking
+    class Engine < ::Rails::Engine
+      isolate_namespace Dscf::Banking
+      config.generators.api_only = true
+
+      config.generators do |g|
+        g.test_framework :rspec, routing_specs: false
+        g.fixture_replacement :factory_bot
+        g.factory_bot dir: "spec/factories"
+      end
+
+      initializer "bscf_banking.factories", after: "factory_bot.set_factory_paths" do
+        FactoryBot.definition_file_paths << File.expand_path("../../../spec/factories", __dir__) if defined?(FactoryBot)
+      end
+
+      initializer :append_migrations do |app|
+        app.config.paths["db/migrate"].concat(config.paths["db/migrate"].expanded) unless app.root.to_s.match(root.to_s + File::SEPARATOR)
+      end
+
+      require "active_storage/engine"
+    end
+  end
+end

data/lib/dscf/banking/version.rb

@@ -0,0 +1,5 @@
+module Dscf
+  module Banking
+    VERSION = "0.1.0"
+  end
+end

data/lib/dscf/banking.rb

@@ -0,0 +1,10 @@
+require "dscf/banking/version"
+require "dscf/banking/engine"
+require "dscf/core"
+
+
+module Dscf
+  module Banking
+    # Your code goes here...
+  end
+end

data/lib/tasks/dscf/banking_tasks.rake

@@ -0,0 +1,4 @@
+# desc "Explaining what the task does"
+# task :dscf_banking do
+#   # Task goes here
+# end

data/spec/factories/dscf/banking/interest_configurations.rb

@@ -0,0 +1,36 @@
+FactoryBot.define do
+  factory :interest_configuration, class: "Dscf::Banking::InterestConfiguration" do
+    association :virtual_account_product, factory: :virtual_account_product
+    association :interest_rate_type, factory: :interest_rate_type
+
+    annual_interest_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.0001, 1.0) }
+    income_tax_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.0, 1.0) }
+    minimum_balance_for_interest { Faker::Number.decimal(l_digits: 4, r_digits: 2).clamp(0.0, 999999.99) }
+    calculation_method { [ 0, 1 ].sample }
+    compounding_period { [ 0, 1, 2, 3, 4 ].sample }
+    interest_basis { [ 0, 1, 2 ].sample }
+    accrual_frequency { [ 0, 1, 2, 3, 4 ].sample }
+    rounding_rule { [ 0, 1, 2 ].sample }
+    calculation_timing { Faker::Time.between(from: Time.current.beginning_of_day, to: Time.current.end_of_day) }
+    is_active { true }
+
+    trait :inactive do
+      is_active { false }
+    end
+
+    trait :promotional do
+      promotional_start_date { Faker::Date.between(from: 30.days.ago, to: Date.current) }
+      promotional_end_date { Faker::Date.between(from: Date.current, to: 30.days.from_now) }
+    end
+
+    trait :simple_interest do
+      calculation_method { 0 }
+      compounding_period { nil }
+    end
+
+    trait :compound_interest do
+      calculation_method { 1 }
+      compounding_period { [ 0, 1, 2, 3, 4 ].sample }
+    end
+  end
+end

data/spec/factories/dscf/banking/interest_rate_tiers.rb

@@ -0,0 +1,34 @@
+FactoryBot.define do
+  factory :interest_rate_tier, class: "Dscf::Banking::InterestRateTier" do
+    association :interest_config, factory: :interest_configuration
+    sequence(:tier_order) { |n| n }
+    balance_min { 1000.00 }
+    balance_max { 5000.00 }
+    interest_rate { Faker::Number.decimal(l_digits: 1, r_digits: 4).clamp(0.0001, 0.9999) }
+    description { Faker::Lorem.sentence(word_count: 5) }
+
+    trait :first_tier do
+      tier_order { 1 }
+      balance_min { 0 }
+      balance_max { 10000 }
+      interest_rate { 0.0250 }
+      description { "First tier for balances up to $10,000" }
+    end
+
+    trait :second_tier do
+      tier_order { 2 }
+      balance_min { 10000 }
+      balance_max { 50000 }
+      interest_rate { 0.0350 }
+      description { "Second tier for balances $10,000 to $50,000" }
+    end
+
+    trait :unlimited_tier do
+      tier_order { 3 }
+      balance_min { 50000 }
+      balance_max { nil }
+      interest_rate { 0.0450 }
+      description { "Unlimited tier for balances over $50,000" }
+    end
+  end
+end

data/spec/factories/dscf/banking/interest_rate_types.rb

@@ -0,0 +1,31 @@
+FactoryBot.define do
+  factory :interest_rate_type, class: "Dscf::Banking::InterestRateType" do
+    sequence(:code) { |n| "RATE#{n.to_s.rjust(3, '0')}" }
+    sequence(:name) { |n| "Interest Rate Type #{n}" }
+    description { Faker::Lorem.paragraph(sentence_count: 2) }
+
+    trait :fixed_rate do
+      code { "FIXED" }
+      name { "Fixed Rate" }
+      description { "Fixed annual interest rate" }
+    end
+
+    trait :variable_rate do
+      code { "VARIABLE" }
+      name { "Variable Rate" }
+      description { "Tiered rates based on balance" }
+    end
+
+    trait :promotional_rate do
+      code { "PROMOTIONAL" }
+      name { "Promotional Rate" }
+      description { "Special rate for limited period" }
+    end
+
+    trait :interest_free do
+      code { "INTEREST_FREE" }
+      name { "Interest Free" }
+      description { "No interest applicable" }
+    end
+  end
+end

data/spec/factories/dscf/banking/product_approvals.rb

@@ -0,0 +1,40 @@
+FactoryBot.define do
+  factory :product_approval, class: "Dscf::Banking::ProductApproval" do
+    association :virtual_account_product, factory: :virtual_account_product
+    association :submitted_by, factory: :user
+    submitted_at { Faker::Time.backward(days: 30) }
+    reviewed_by { nil }
+    reviewed_at { nil }
+    status { 0 }
+    comments { Faker::Lorem.paragraph(sentence_count: 2) }
+    approval_level { 1 }
+
+    trait :approved do
+      status { 1 }
+      association :reviewed_by, factory: :user
+      reviewed_at { Faker::Time.backward(days: 7) }
+      comments { "Approval granted after thorough review" }
+    end
+
+    trait :rejected do
+      status { 2 }
+      association :reviewed_by, factory: :user
+      reviewed_at { Faker::Time.backward(days: 7) }
+      comments { "Rejected due to insufficient documentation" }
+    end
+
+    trait :under_review do
+      status { 3 }
+      association :reviewed_by, factory: :user
+      comments { "Currently under review by compliance team" }
+    end
+
+    trait :level_2 do
+      approval_level { 2 }
+    end
+
+    trait :level_3 do
+      approval_level { 3 }
+    end
+  end
+end

data/spec/factories/dscf/banking/product_audit_logs.rb

@@ -0,0 +1,34 @@
+FactoryBot.define do
+  factory :product_audit_log, class: 'Dscf::Banking::ProductAuditLog' do
+    association :virtual_account_product, factory: :virtual_account_product
+    association :changed_by, factory: :user
+    change_type { :updated }
+    old_values { { name: Faker::Commerce.product_name, is_active: false } }
+    new_values { { name: Faker::Commerce.product_name, is_active: true } }
+    change_description { Faker::Lorem.sentence }
+
+    trait :created do
+      change_type { :created }
+      old_values { nil }
+      new_values { { name: Faker::Commerce.product_name, is_active: true } }
+    end
+
+    trait :deleted do
+      change_type { :deleted }
+      old_values { { name: Faker::Commerce.product_name, is_active: true } }
+      new_values { nil }
+    end
+
+    trait :approved do
+      change_type { :approved }
+      old_values { { status: 'pending_approval' } }
+      new_values { { status: 'approved' } }
+    end
+
+    trait :rejected do
+      change_type { :rejected }
+      old_values { { status: 'pending_approval' } }
+      new_values { { status: 'rejected' } }
+    end
+  end
+end

data/spec/factories/dscf/banking/product_categories.rb

@@ -0,0 +1,26 @@
+FactoryBot.define do
+  factory :product_category, class: "Dscf::Banking::ProductCategory" do
+    sequence(:name) { |n| "#{Faker::Bank.name} Category #{n}" }
+    description { Faker::Lorem.paragraph(sentence_count: 2) }
+    is_active { true }
+
+    trait :inactive do
+      is_active { false }
+    end
+
+    trait :savings do
+      name { "Savings Account" }
+      description { "Traditional savings account with competitive interest rates" }
+    end
+
+    trait :checking do
+      name { "Checking Account" }
+      description { "Everyday banking account for transactions and payments" }
+    end
+
+    trait :loan do
+      name { "Personal Loan" }
+      description { "Flexible personal loans for various financial needs" }
+    end
+  end
+end

data/spec/factories/dscf/banking/virtual_account_products.rb

@@ -0,0 +1,46 @@
+FactoryBot.define do
+  factory :virtual_account_product, class: "Dscf::Banking::VirtualAccountProduct" do
+    sequence(:product_code) { |n| "VAP#{n.to_s.rjust(3, '0')}" }
+    product_name { Faker::Bank.name + " Virtual Account" }
+    association :product_category, factory: :product_category
+    description { Faker::Lorem.paragraph(sentence_count: 3) }
+    document_reference { "DOC-#{Faker::Alphanumeric.alphanumeric(number: 8).upcase}" }
+    status { :draft }
+    association :created_by, factory: :user
+    approved_by { nil }
+    approved_at { nil }
+    rejection_reason { nil }
+    is_active { true }
+
+    trait :pending_approval do
+      status { :pending_approval }
+    end
+
+    trait :approved do
+      status { :approved }
+      association :approved_by, factory: :user
+      approved_at { Faker::Time.backward(days: 7) }
+    end
+
+    trait :rejected do
+      status { :rejected }
+      association :approved_by, factory: :user
+      approved_at { Faker::Time.backward(days: 7) }
+      rejection_reason { Faker::Lorem.sentence(word_count: 10) }
+    end
+
+    trait :inactive do
+      is_active { false }
+    end
+
+    trait :savings_product do
+      product_name { "Premium Savings Virtual Account" }
+      description { "High-yield savings account with virtual account features" }
+    end
+
+    trait :business_product do
+      product_name { "Business Virtual Account" }
+      description { "Comprehensive virtual account solution for businesses" }
+    end
+  end
+end