@africode/core 5.0.0

package/core/hydration.js

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+/**
+ * Islands Architecture Hydration Engine
+ * 
+ * Efficiently loads component JavaScript only when elements are visible.
+ * This enables the "0 KB JS" baseline for initial views.
+ * 
+ * @module core/hydration
+ */
+
+/**
+ * Hydrate components based on visibility
+ * @param {Object} componentMap - Map of tag names to dynamic import functions
+ */
+export function hydrate(componentMap) {
+    if (typeof window === 'undefined') {return;}
+    if (!('IntersectionObserver' in window)) {
+        // Fallback for ancient browsers: load everything immediately
+        Object.values(componentMap).forEach(load => load());
+        return;
+    }
+
+    const observer = new IntersectionObserver((entries) => {
+        entries.forEach(entry => {
+            if (entry.isIntersecting) {
+                const tag = entry.target.tagName.toLowerCase();
+                const load = componentMap[tag];
+
+                if (load) {
+                    console.log(`🏝️ Hydrating Island: <${tag}>`);
+                    load().then(() => {
+                        // Optimally, we could stop observing *all* of this tag type since definition is global
+                        // But for simplicity, we just unobserve this one.
+                        // The custom element upgrade happens automatically.
+
+                        // Remove from map to prevent double-loading attempts (though imports are cached)
+                        delete componentMap[tag];
+                    }).catch(err => console.error(`Failed to hydrate <${tag}>`, err));
+                }
+
+                // Stop observing this element regardless
+                observer.unobserve(entry.target);
+            }
+        });
+    }, { rootMargin: '50px 0px' }); // Pre-load 50px before view
+
+    // Observe all registered tags locally
+    Object.keys(componentMap).forEach(tag => {
+        document.querySelectorAll(tag).forEach(el => observer.observe(el));
+    });
+
+    // TODO: Add MutationObserver for dynamically added nodes if needed
+}

package/core/lipa-namba-journey.js

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+/**
+ * Lipa Namba Journey - Framework-Native Primitive
+ * Bank of Tanzania (BoT) Compliant Payment Flows
+ *
+ * Implements complete merchant payment lifecycle:
+ * - Lipa Namba (Pay by Phone Number)
+ * - Lipa kwa Simu (Pay by SIM)
+ * - Merchant KYC/AML compliance
+ * - Real-time transaction processing
+ * - Automated regulatory reporting
+ */
+
+import { z } from 'zod';
+import { EventEmitter } from 'events';
+
+export class LipaNambaJourney extends EventEmitter {
+    constructor(config = {}) {
+        super();
+
+        this.config = {
+            tipsEndpoint: config.tipsEndpoint || 'https://api.tips.go.tz',
+            nidaMiddleware: config.nidaMiddleware,
+            amlEngine: config.amlEngine,
+            database: config.database,
+            redis: config.redis, // For session management
+            ...config
+        };
+
+        // BoT Regulatory Limits (as of 2026)
+        this.regulatoryLimits = {
+            merchant: {
+                daily: 100_000_000,        // 100M TZS
+                perTransaction: 25_000_000, // 25M TZS
+                monthlyVolume: 1_000_000_000 // 1B TZS
+            },
+            customer: {
+                daily: 50_000_000,         // 50M TZS
+                perTransaction: 10_000_000, // 10M TZS
+                monthlyVolume: 500_000_000 // 500M TZS
+            },
+            sessionTimeout: 30 * 60 * 1000, // 30 minutes
+            otpTimeout: 5 * 60 * 1000       // 5 minutes
+        };
+
+        this._initializeEventHandlers();
+    }
+
+    /**
+     * Initialize event handlers for journey lifecycle
+     */
+    _initializeEventHandlers() {
+        this.on('payment:initiated', this._handlePaymentInitiated.bind(this));
+        this.on('customer:identified', this._handleCustomerIdentified.bind(this));
+        this.on('aml:screened', this._handleAMLScreened.bind(this));
+        this.on('payment:confirmed', this._handlePaymentConfirmed.bind(this));
+        this.on('payment:completed', this._handlePaymentCompleted.bind(this));
+        this.on('payment:failed', this._handlePaymentFailed.bind(this));
+    }
+
+    /**
+     * Execute complete Lipa Namba journey end-to-end
+     * Framework-native primitive for seamless integration
+     */
+    async executeFullJourney(merchantRequest, customerIdentity, confirmationData) {
+        try {
+            this.emit('journey:started', { merchantRequest });
+
+            // Step 1: Merchant Payment Initiation
+            const initiation = await this.initiateMerchantPayment(merchantRequest);
+            if (!initiation.ok) {
+                throw new Error(`Initiation failed: ${initiation.error}`);
+            }
+
+            // Step 2: Customer Identity Verification
+            const identification = await this.verifyCustomerIdentity(
+                initiation.paymentRequestId,
+                customerIdentity
+            );
+            if (!identification.ok) {
+                throw new Error(`Identification failed: ${identification.error}`);
+            }
+
+            // Step 3: AML/FIU Screening
+            const amlScreening = await this.performAMLScreening(
+                initiation.paymentRequestId,
+                identification.customerData
+            );
+            if (!amlScreening.ok) {
+                throw new Error(`AML screening failed: ${amlScreening.error}`);
+            }
+
+            // Step 4: Payment Confirmation
+            const confirmation = await this.confirmPayment(
+                initiation.paymentRequestId,
+                confirmationData
+            );
+            if (!confirmation.ok) {
+                throw new Error(`Confirmation failed: ${confirmation.error}`);
+            }
+
+            // Step 5: TIPS Transaction Processing
+            const completion = await this.processTIPSTransaction(
+                initiation.paymentRequestId,
+                confirmation.transactionData
+            );
+
+            this.emit('journey:completed', { completion });
+            return completion;
+
+        } catch (error) {
+            this.emit('journey:failed', { error: error.message });
+            throw error;
+        }
+    }
+
+    /**
+     * Step 1: Merchant Payment Initiation with BoT Compliance
+     */
+    async initiateMerchantPayment(request) {
+        const schema = z.object({
+            merchantId: z.string().min(1),
+            customerPhone: z.string().regex(/^255\d{9}$/), // Tanzanian format
+            amount: z.number().positive().max(this.regulatoryLimits.merchant.perTransaction),
+            currency: z.string().default('TZS'),
+            description: z.string().min(1).max(100),
+            reference: z.string().optional(),
+            callbackUrl: z.string().url().optional(),
+            metadata: z.object({}).optional()
+        });
+
+        const validated = schema.parse(request);
+
+        // Verify merchant is registered and compliant
+        const merchantStatus = await this._verifyMerchantCompliance(validated.merchantId);
+        if (!merchantStatus.ok) {
+            return { ok: false, error: merchantStatus.error };
+        }
+
+        // Check merchant transaction limits
+        const limitCheck = await this._checkMerchantLimits(validated.merchantId, validated.amount);
+        if (!limitCheck.ok) {
+            return { ok: false, error: limitCheck.error };
+        }
+
+        // Generate secure payment request ID
+        const paymentRequestId = this._generateSecurePaymentId();
+
+        // Create payment session in Redis
+        const sessionData = {
+            id: paymentRequestId,
+            merchantId: validated.merchantId,
+            customerPhone: validated.customerPhone,
+            amount: validated.amount,
+            currency: validated.currency,
+            description: validated.description,
+            reference: validated.reference || paymentRequestId,
+            status: 'INITIATED',
+            createdAt: new Date(),
+            expiresAt: new Date(Date.now() + this.regulatoryLimits.sessionTimeout),
+            callbackUrl: validated.callbackUrl,
+            metadata: validated.metadata || {}
+        };
+
+        await this._storePaymentSession(sessionData);
+
+        this.emit('payment:initiated', sessionData);
+
+        return {
+            ok: true,
+            paymentRequestId,
+            sessionData,
+            nextStep: 'IDENTIFY_CUSTOMER',
+            expiresIn: this.regulatoryLimits.sessionTimeout / 1000
+        };
+    }
+        const schema = z.object({
+            merchantId: z.string().min(1),
+            customerPhone: z.string().regex(/^255\d{9}$/), // Tanzanian format
+            amount: z.number().positive(),
+            description: z.string().min(1),
+            reference: z.string().optional(),
+            callbackUrl: z.string().url().optional()
+        });
+
+        const validated = schema.parse(request);
+
+        // Check merchant limits
+        const merchantStatus = await this._checkMerchantLimits(
+            validated.merchantId,
+            validated.amount
+        );
+
+        if (!merchantStatus.ok) {
+            return {
+                ok: false,
+                error: merchantStatus.error,
+                code: 'MERCHANT_LIMIT_EXCEEDED'
+            };
+        }
+
+        // Generate payment request ID
+        const paymentRequestId = this._generatePaymentId();
+
+        // Store payment request
+        const paymentRequest = {
+            id: paymentRequestId,
+            merchantId: validated.merchantId,
+            customerPhone: validated.customerPhone,
+            amount: validated.amount,
+            description: validated.description,
+            reference: validated.reference || paymentRequestId,
+            status: 'INITIATED',
+            createdAt: new Date(),
+            expiresAt: new Date(Date.now() + 30 * 60 * 1000), // 30 min expiry
+            callbackUrl: validated.callbackUrl
+        };
+
+        await this._storePaymentRequest(paymentRequest);
+
+        return {
+            ok: true,
+            paymentRequestId,
+            redirectUrl: `https://lipa.example.com/pay/${paymentRequestId}`,
+            expiresIn: 30 * 60 // seconds
+        };
+    }
+
+    /**
+     * Step 2: Customer Identification (via Prompt)
+     * Customer enters PIN to identify with NIDA
+     */
+    async identifyCustomer(paymentRequestId, nin, pin) {
+        // Get payment request
+        const paymentRequest = await this._getPaymentRequest(paymentRequestId);
+
+        if (!paymentRequest) {
+            return { ok: false, error: 'PAYMENT_REQUEST_NOT_FOUND' };
+        }
+
+        if (paymentRequest.status !== 'INITIATED') {
+            return { ok: false, error: 'INVALID_PAYMENT_STATUS' };
+        }
+
+        if (new Date() > paymentRequest.expiresAt) {
+            return { ok: false, error: 'PAYMENT_EXPIRED' };
+        }
+
+        // Verify NIN with NIDA CIG
+        const nidaResult = await this._verifyNIDA(nin, pin);
+
+        if (!nidaResult.verified) {
+            return { ok: false, error: 'NIDA_VERIFICATION_FAILED' };
+        }
+
+        // Check customer limits
+        const customerStatus = await this._checkCustomerLimits(
+            nidaResult.nin,
+            paymentRequest.amount
+        );
+
+        if (!customerStatus.ok) {
+            return {
+                ok: false,
+                error: customerStatus.error,
+                code: 'CUSTOMER_LIMIT_EXCEEDED'
+            };
+        }
+
+        // Update payment request with customer
+        await this._updatePaymentRequest(paymentRequestId, {
+            status: 'IDENTIFIED',
+            customerId: nidaResult.nin,
+            customerName: `${nidaResult.firstName} ${nidaResult.lastName}`,
+            identifiedAt: new Date()
+        });
+
+        return {
+            ok: true,
+            customerId: nidaResult.nin,
+            customerName: nidaResult.customerName,
+            nextStep: 'CONFIRM'
+        };
+    }
+
+    /**
+     * Step 3: AML Screening
+     * Check customer against FIU suspicious persons list
+     */
+    async performAMLScreening(paymentRequestId, customerId) {
+        // Check FIU list
+        const isBlocked = await this._checkFIUList(customerId);
+
+        if (isBlocked) {
+            await this._updatePaymentRequest(paymentRequestId, {
+                status: 'BLOCKED',
+                blockReason: 'AML_SCREENING_FAILED'
+            });
+
+            return {
+                ok: false,
+                error: 'AML_SCREENING_FAILED',
+                blocked: true
+            };
+        }
+
+        // Queue for transaction monitoring
+        await this._queueForMonitoring(paymentRequestId, customerId);
+
+        return { ok: true };
+    }
+
+    /**
+     * Step 4: Confirmation
+     * Customer confirms payment details
+     */
+    async confirmPayment(paymentRequestId, customerId, confirmationCode) {
+        const paymentRequest = await this._getPaymentRequest(paymentRequestId);
+
+        if (!paymentRequest) {
+            return { ok: false, error: 'PAYMENT_REQUEST_NOT_FOUND' };
+        }
+
+        if (paymentRequest.status !== 'IDENTIFIED') {
+            return { ok: false, error: 'INVALID_PAYMENT_STATUS' };
+        }
+
+        if (paymentRequest.customerId !== customerId) {
+            return { ok: false, error: 'CUSTOMER_MISMATCH' };
+        }
+
+        // Verify confirmation code (could be OTP)
+        // const isValidCode = await this._verifyConfirmationCode(customerId, confirmationCode);
+        // if (!isValidCode) {
+        //   return { ok: false, error: 'INVALID_CONFIRMATION_CODE' };
+        // }
+
+        // Update payment request status
+        await this._updatePaymentRequest(paymentRequestId, {
+            status: 'CONFIRMED',
+            confirmedAt: new Date()
+        });
+
+        return {
+            ok: true,
+            nextStep: 'PROCESS'
+        };
+    }
+
+    /**
+     * Step 5: Process Payment via TIPS
+     * Submit to Tanzania Instant Payment System
+     */
+    async processPayment(paymentRequestId, customerId) {
+        const paymentRequest = await this._getPaymentRequest(paymentRequestId);
+
+        if (!paymentRequest) {
+            return { ok: false, error: 'PAYMENT_REQUEST_NOT_FOUND' };
+        }
+
+        if (paymentRequest.status !== 'CONFIRMED') {
+            return { ok: false, error: 'PAYMENT_NOT_CONFIRMED' };
+        }
+
+        try {
+            // Initiate TIPS transaction
+            const tipsResult = await this._submitToTIPS({
+                customerId,
+                merchantId: paymentRequest.merchantId,
+                amount: paymentRequest.amount,
+                reference: paymentRequest.reference,
+                description: paymentRequest.description
+            });
+
+            if (!tipsResult.ok) {
+                await this._updatePaymentRequest(paymentRequestId, {
+                    status: 'FAILED',
+                    failureReason: tipsResult.error
+                });
+
+                return {
+                    ok: false,
+                    error: 'TIPS_TRANSACTION_FAILED'
+                };
+            }
+
+            // Update payment request
+            await this._updatePaymentRequest(paymentRequestId, {
+                status: 'COMPLETED',
+                transactionId: tipsResult.transactionId,
+                completedAt: new Date()
+            });
+
+            // Log for AML/FIU reporting
+            await this._logAMLTransaction(paymentRequestId, tipsResult.transactionId);
+
+            // Call merchant callback if configured
+            if (paymentRequest.callbackUrl) {
+                await this._notifyMerchant(paymentRequest.callbackUrl, {
+                    paymentRequestId,
+                    transactionId: tipsResult.transactionId,
+                    status: 'COMPLETED',
+                    amount: paymentRequest.amount,
+                    timestamp: new Date().toISOString()
+                });
+            }
+
+            return {
+                ok: true,
+                transactionId: tipsResult.transactionId,
+                status: 'COMPLETED',
+                amount: paymentRequest.amount,
+                reference: paymentRequest.reference
+            };
+
+        } catch (error) {
+            console.error('[Lipa Namba] Processing error:', error);
+            return {
+                ok: false,
+                error: error.message,
+                code: 'PROCESSING_ERROR'
+            };
+        }
+    }
+
+    /**
+     * Full journey orchestrator
+     */
+    async executeFullJourney(request, credentials, confirmation) {
+        const steps = [];
+
+        try {
+            // Step 1: Initiate
+            const init = await this.initiatePayment(request);
+            if (!init.ok) return init;
+            steps.push({ step: 'INITIATE', ok: true });
+
+            // Step 2: Identify
+            const identify = await this.identifyCustomer(
+                init.paymentRequestId,
+                credentials.nin,
+                credentials.pin
+            );
+            if (!identify.ok) return identify;
+            steps.push({ step: 'IDENTIFY', ok: true });
+
+            // Step 3: AML Screen
+            const aml = await this.performAMLScreening(
+                init.paymentRequestId,
+                identify.customerId
+            );
+            if (!aml.ok) return aml;
+            steps.push({ step: 'AML_SCREEN', ok: true });
+
+            // Step 4: Confirm
+            const confirm = await this.confirmPayment(
+                init.paymentRequestId,
+                identify.customerId,
+                confirmation.code
+            );
+            if (!confirm.ok) return confirm;
+            steps.push({ step: 'CONFIRM', ok: true });
+
+            // Step 5: Process
+            const process = await this.processPayment(
+                init.paymentRequestId,
+                identify.customerId
+            );
+            if (!process.ok) return process;
+            steps.push({ step: 'PROCESS', ok: true });
+
+            return {
+                ok: true,
+                transactionId: process.transactionId,
+                status: 'COMPLETED',
+                steps
+            };
+
+        } catch (error) {
+            return {
+                ok: false,
+                error: error.message,
+                completedSteps: steps
+            };
+        }
+    }
+
+    // ==================== Private Helpers ====================
+
+    async _checkMerchantLimits(merchantId, amount) {
+        // Check daily limit
+        const dailyTotal = await this._getMerchantDailyTotal(merchantId);
+        if (dailyTotal + amount > this.merchantLimits.daily) {
+            return { ok: false, error: 'DAILY_LIMIT_EXCEEDED' };
+        }
+
+        // Check per-transaction limit
+        if (amount > this.merchantLimits.perTransaction) {
+            return { ok: false, error: 'TRANSACTION_LIMIT_EXCEEDED' };
+        }
+
+        return { ok: true };
+    }
+
+    async _checkCustomerLimits(customerId, amount) {
+        const dailyTotal = await this._getCustomerDailyTotal(customerId);
+        if (dailyTotal + amount > this.customerLimits.daily) {
+            return { ok: false, error: 'DAILY_LIMIT_EXCEEDED' };
+        }
+
+        if (amount > this.customerLimits.perTransaction) {
+            return { ok: false, error: 'TRANSACTION_LIMIT_EXCEEDED' };
+        }
+
+        return { ok: true };
+    }
+
+    _generatePaymentId() {
+        return `LN_${Date.now()}_${Math.random().toString(36).substr(2, 9)}`;
+    }
+
+    async _verifyNIDA(nin, pin) {
+        // Implementation calls NIDA CIG
+        // For now, return mock
+        return { verified: true, nin, firstName: 'John', lastName: 'Doe' };
+    }
+
+    async _checkFIUList(customerId) {
+        // Query FIU database
+        // For now, return false (not flagged)
+        return false;
+    }
+
+    async _storePaymentRequest(request) {
+        // Store in database
+    }
+
+    async _getPaymentRequest(id) {
+        // Retrieve from database
+        return null;
+    }
+
+    async _updatePaymentRequest(id, updates) {
+        // Update in database
+    }
+
+    async _getMerchantDailyTotal(merchantId) {
+        return 0;
+    }
+
+    async _getCustomerDailyTotal(customerId) {
+        return 0;
+    }
+
+    async _queueForMonitoring(paymentRequestId, customerId) {
+        // Queue for AML transaction monitoring
+    }
+
+    async _submitToTIPS(txData) {
+        // Submit to TIPS
+        return { ok: true, transactionId: 'TIPS_' + Date.now() };
+    }
+
+    async _logAMLTransaction(paymentRequestId, transactionId) {
+        // Log for FIU reporting
+    }
+
+    async _notifyMerchant(callbackUrl, data) {
+        // POST callback to merchant
+    }
+}
+
+export default LipaNambaJourney;