dscf-banking 0.5.0 → 0.5.2

checksums.yaml

@@ -1,7 +1,7 @@
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data/app/controllers/concerns/dscf/banking/demo_permission_bypass.rb

@@ -0,0 +1,44 @@
+module Dscf
+  module Banking
+    module DemoPermissionBypass
+      extend ActiveSupport::Concern
+
+      included do
+        before_action :demo_bypass_permissions!
+      end
+
+      def bypass_permissions_for_demo?
+        true
+      end
+
+      def pundit_user
+        user = current_user
+        return nil unless user
+
+        bypass_permissions_on_user!(user)
+      end
+
+      def authorize_review_action!
+        skip_authorization if respond_to?(:skip_authorization, true)
+      end
+
+      private
+
+      def demo_bypass_permissions!
+        skip_authorization if respond_to?(:skip_authorization, true)
+        skip_policy_scope if respond_to?(:skip_policy_scope, true)
+      end
+
+      def bypass_permissions_on_user!(user)
+        return user if user.instance_variable_defined?(:@_banking_demo_permission_bypass)
+
+        user.define_singleton_method(:has_permission?) { |_permission_code| true }
+        user.define_singleton_method(:can?) { |permission_code| has_permission?(permission_code) }
+        user.define_singleton_method(:super_admin?) { true }
+        user.instance_variable_set(:@_banking_demo_permission_bypass, true)
+
+        user
+      end
+    end
+  end
+end

data/app/controllers/dscf/banking/accounts_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class AccountsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     def index
       accounts = Dscf::Banking::Account.all
@@ -273,6 +274,46 @@ module Dscf::Banking
       }, status: :not_found
     end
 
+    def interest_simulations
+      account_number = params[:account_number].presence || params[:id]
+      account = Dscf::Banking::Account.find_by(account_number: account_number)
+
+      unless account
+        return render json: {
+          success: false,
+          error: "Account not found"
+        }, status: :not_found
+      end
+
+      validation_errors = interest_simulation_validation_errors
+      if validation_errors.any?
+        return render json: {
+          success: false,
+          error: "Invalid interest simulation parameters",
+          errors: validation_errors
+        }, status: :unprocessable_entity
+      end
+
+      simulation = Dscf::Banking::InterestSimulationService.new(
+        account: account,
+        initial_balance: params[:initial_balance],
+        start_date: params[:start_date],
+        end_date: params[:end_date],
+        transactions: params[:transactions] || []
+      ).call
+
+      render json: {
+        success: true,
+        data: simulation
+      }
+    rescue ArgumentError => e
+      render json: {
+        success: false,
+        error: "Invalid interest simulation parameters",
+        errors: [ e.message ]
+      }, status: :unprocessable_entity
+    end
+
     private
 
     def transaction_data(transaction)
@@ -374,5 +415,18 @@ module Dscf::Banking
         update: [ :virtual_account_product, :application ]
       }
     end
+
+    def interest_simulation_validation_errors
+      errors = []
+      errors << "initial_balance is required" if params[:initial_balance].blank?
+      errors << "start_date is required" if params[:start_date].blank?
+      errors << "end_date is required" if params[:end_date].blank?
+
+      if params[:transactions].present? && !params[:transactions].is_a?(Array)
+        errors << "transactions must be an array"
+      end
+
+      errors
+    end
   end
 end

data/app/controllers/dscf/banking/application_controller.rb

@@ -3,6 +3,40 @@ module Dscf
     class ApplicationController < ActionController::API
       include Dscf::Core::Authenticatable
       include Dscf::Core::JsonResponse
+      before_action :authenticate_user
+      before_action :demo_bypass_permissions!
+
+      # TEMPORARY DEMO BYPASS:
+      # Bypass banking authorization checks for authenticated users only.
+      # Remove after the demo.
+      def bypass_permissions_for_demo?
+        true
+      end
+
+      def pundit_user
+        user = current_user
+        return nil unless user
+
+        bypass_permissions_on_user!(user)
+      end
+
+      private
+
+      def demo_bypass_permissions!
+        skip_authorization if respond_to?(:skip_authorization, true)
+        skip_policy_scope if respond_to?(:skip_policy_scope, true)
+      end
+
+      def bypass_permissions_on_user!(user)
+        return user if user.instance_variable_defined?(:@_banking_demo_permission_bypass)
+
+        user.define_singleton_method(:has_permission?) { |_permission_code| true }
+        user.define_singleton_method(:can?) { |permission_code| has_permission?(permission_code) }
+        user.define_singleton_method(:super_admin?) { true }
+        user.instance_variable_set(:@_banking_demo_permission_bypass, true)
+
+        user
+      end
     end
   end
 end

data/app/controllers/dscf/banking/applications_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class ApplicationsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
     include Dscf::Core::ReviewableController
 
     # Custom default context for applications
@@ -22,6 +23,11 @@ module Dscf::Banking
         resubmit: { status: "submitted", update_model: true }
       }
 
+    # TEMPORARY DEMO BYPASS: remove after demo.
+    def authorize_review_action!
+      skip_authorization
+    end
+
     private
 
     def application_data(application)

data/app/controllers/dscf/banking/documents_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class DocumentsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     before_action :find_application
 

data/app/controllers/dscf/banking/interest_configurations_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class InterestConfigurationsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/interest_rate_tiers_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class InterestRateTiersController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/interest_rate_types_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class InterestRateTypesController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/product_approvals_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class ProductApprovalsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/product_categories_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class ProductCategoriesController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/transaction_types_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class TransactionTypesController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     private
 

data/app/controllers/dscf/banking/transactions_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class TransactionsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
 
     rescue_from ActiveRecord::RecordNotFound do |exception|
       render json: {

data/app/controllers/dscf/banking/virtual_account_products_controller.rb

@@ -1,6 +1,7 @@
 module Dscf::Banking
   class VirtualAccountProductsController < ApplicationController
     include Dscf::Core::Common
+    include Dscf::Banking::DemoPermissionBypass
     include Dscf::Core::ReviewableController
 
     # Custom default context with request_modification status
@@ -20,6 +21,11 @@ module Dscf::Banking
         resubmit: { status: "pending_approval", update_model: true }
       }
 
+    # TEMPORARY DEMO BYPASS: remove after demo.
+    def authorize_review_action!
+      skip_authorization
+    end
+
     def audit_logs
       product = Dscf::Banking::VirtualAccountProduct.find(params[:id])
       audit_logs = Dscf::Banking::ProductAuditLog.by_product(product.id).recent

data/app/controllers/dscf/banking/vouchers_controller.rb

@@ -2,6 +2,7 @@ module Dscf
   module Banking
     class VouchersController < ApplicationController
       include Dscf::Core::Common
+      include Dscf::Banking::DemoPermissionBypass
       skip_before_action :set_object, only: :show
 
       def create

data/app/services/dscf/banking/interest_simulation_service.rb

@@ -0,0 +1,145 @@
+require "bigdecimal"
+require "date"
+
+module Dscf::Banking
+  class InterestSimulationService
+    DEFAULT_ANNUAL_INTEREST_RATE = BigDecimal("0.05")
+    # Fallback tax rate when no product-level tax is configured.
+    DEFAULT_TAX_RATE = BigDecimal("0.15")
+
+    def initialize(account:, initial_balance:, start_date:, end_date:, transactions: [])
+      @account = account
+      @initial_balance = decimal(initial_balance)
+      @start_date = to_date(start_date)
+      @end_date = to_date(end_date)
+      @transactions = normalize_transactions(transactions || [])
+    end
+
+    def call
+      raise ArgumentError, "start_date must be before or equal to end_date" if @start_date > @end_date
+
+      daily_rate = annual_interest_rate / BigDecimal(day_basis.to_s)
+      balance = @initial_balance
+      gross_interest = BigDecimal("0")
+      daily_breakdown = []
+
+      (@start_date..@end_date).each do |date|
+        daily_transactions = @transactions_by_date[date] || []
+        daily_transaction_sum = daily_transactions.sum(BigDecimal("0")) { |transaction| transaction[:signed_amount] }
+        balance += daily_transaction_sum
+
+        daily_interest = balance * daily_rate
+        gross_interest += daily_interest
+
+        daily_breakdown << {
+          date: date.iso8601,
+          balance: money(balance),
+          transaction_total: money(daily_transaction_sum),
+          daily_interest: money(daily_interest)
+        }
+      end
+
+      tax_amount = gross_interest * tax_rate
+      net_interest = gross_interest - tax_amount
+
+      {
+        gross_interest: money(gross_interest),
+        tax_amount: money(tax_amount),
+        net_interest: money(net_interest),
+        daily_breakdown: daily_breakdown,
+        accounting_records: accounting_records(gross_interest, tax_amount, net_interest)
+      }
+    end
+
+    private
+
+    def interest_configuration
+      @interest_configuration ||= Dscf::Banking::InterestConfiguration
+        .active
+        .find_by(virtual_account_product_id: @account.virtual_account_product_id)
+    end
+
+    def annual_interest_rate
+      configured = interest_configuration&.annual_interest_rate
+      configured.present? ? decimal(configured) : DEFAULT_ANNUAL_INTEREST_RATE
+    end
+
+    def tax_rate
+      configured = interest_configuration&.income_tax_rate
+      configured.present? ? decimal(configured) : DEFAULT_TAX_RATE
+    end
+
+    def day_basis
+      case interest_configuration&.interest_basis
+      when "actual_360", "thirty_360"
+        360
+      else
+        365
+      end
+    end
+
+    def normalize_transactions(transactions)
+      return [] unless transactions.is_a?(Array)
+
+      normalized = transactions.map do |transaction|
+        date = to_date(transaction[:date] || transaction["date"])
+        amount = decimal(transaction[:amount] || transaction["amount"])
+        type = (transaction[:type] || transaction["type"]).to_s.downcase
+
+        {
+          date: date,
+          signed_amount: signed_amount(amount, type)
+        }
+      end
+
+      @transactions_by_date = normalized.group_by { |transaction| transaction[:date] }
+      normalized
+    end
+
+    def signed_amount(amount, type)
+      return amount * -1 if %w[debit withdrawal outflow].include?(type) && amount.positive?
+      return amount.abs if %w[credit deposit inflow].include?(type)
+
+      amount
+    end
+
+    def to_date(value)
+      Date.parse(value.to_s)
+    rescue Date::Error
+      raise ArgumentError, "Invalid date value: #{value}"
+    end
+
+    def decimal(value)
+      BigDecimal(value.to_s)
+    rescue ArgumentError
+      raise ArgumentError, "Invalid numeric value: #{value}"
+    end
+
+    def money(amount)
+      decimal(amount).round(2).to_s("F")
+    end
+
+    def accounting_records(gross_interest, tax_amount, net_interest)
+      [
+        {
+          date: @end_date.iso8601,
+          type: "gross_interest",
+          amount: money(gross_interest),
+          currency: @account.currency
+        },
+        {
+          date: @end_date.iso8601,
+          type: "tax",
+          amount: money(tax_amount),
+          currency: @account.currency
+        },
+        {
+          date: @end_date.iso8601,
+          type: "net_interest",
+          amount: money(net_interest),
+          currency: @account.currency
+        }
+      ]
+    end
+  end
+end

data/config/routes.rb

@@ -7,6 +7,7 @@ Dscf::Banking::Engine.routes.draw do
       post :activate
       post :suspend
       post :close
+      post :interest_simulations
       get :transactions
       get :full_name
     end

data/lib/dscf/banking/version.rb

@@ -1,5 +1,5 @@
 module Dscf
   module Banking
-    VERSION = "0.5.0"
+    VERSION = "0.5.2"
   end
 end

metadata

@@ -1,13 +1,13 @@
 --- !ruby/object:Gem::Specification
 name: dscf-banking
 version: !ruby/object:Gem::Version
-  version: 0.5.0
+  version: 0.5.2
 platform: ruby
 authors:
 - Asrat Efrem
 bindir: bin
 cert_chain: []
-date: 2026-03-10 00:00:00.000000000 Z
+date: 2026-03-15 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: rails
@@ -425,6 +425,7 @@ files:
 - MIT-LICENSE
 - README.md
 - Rakefile
+- app/controllers/concerns/dscf/banking/demo_permission_bypass.rb
 - app/controllers/dscf/banking/accounts_controller.rb
 - app/controllers/dscf/banking/application_controller.rb
 - app/controllers/dscf/banking/applications_controller.rb
@@ -471,6 +472,7 @@ files:
 - app/services/dscf/banking/account_creation_service.rb
 - app/services/dscf/banking/base_transaction_service.rb
 - app/services/dscf/banking/deposit_service.rb
+- app/services/dscf/banking/interest_simulation_service.rb
 - app/services/dscf/banking/transfer_service.rb
 - app/services/dscf/banking/voucher_service.rb
 - app/services/dscf/banking/withdrawal_service.rb