@coderoftime/fints 0.2.0 → 0.3.0

package/dist/v3/syntax.js

@@ -1,7 +1,7 @@
 // Internal to the package, and named after the FinTS specification. Documentation is where the meaning is not evident.
 import { BytesBuilder, latin1Decode, latin1Encode, utf8Encode } from '../util/bytes.js';
 import { FormatError } from '../util/errors.js';
-import { decodeBankText, isLatin1, tryParseInt } from '../util/text.js';
+import { decodeBankText, isLatin1, trimBlanks, tryParseInt } from '../util/text.js';
 // FinTS 3.0 syntax characters.
 const dataElementSeparator = 0x2b; // '+'
 const groupElementSeparator = 0x3a; // ':'
@@ -58,6 +58,7 @@ export class Segment {
     source;
     start;
     end;
+    typeValue;
     constructor(elements, 
     /** The bytes the segment was read from: `start` to `end` in `source`, terminator included. */
     source, start, end) {
@@ -67,7 +68,8 @@ export class Segment {
         this.end = end;
     }
     get type() {
-        return this.text(0)?.trim() ?? '';
+        this.typeValue ??= trimBlanks(this.text(0) ?? '');
+        return this.typeValue;
     }
     get version() {
         return this.integer(0, 2) ?? 0;
@@ -92,6 +94,11 @@ export class Segment {
         const e = this.element(index, sub);
         return e?.isBinary === true ? e.bytes : undefined;
     }
+    /** The binary data or the text without escape characters at `index`; `undefined` for an empty element. */
+    bytes(index, sub = 0) {
+        const e = this.element(index, sub);
+        return e === undefined || e.isEmpty ? undefined : e.bytes;
+    }
     /**
      * The element at `index` as the bank sent it, for a value the client sends back, such as the dialog ID: untrimmed,
      * and one character per byte (ISO 8859-1, the FinTS 3.0 character set), so that `Verbatim` gives the bank back the
@@ -104,7 +111,7 @@ export class Segment {
         return latin1Decode(e.bytes);
     }
     integer(index, sub = 0) {
-        return tryParseInt(this.text(index, sub)?.trim());
+        return tryParseInt(this.text(index, sub));
     }
     /** The texts of the group at `index`; `undefined` for empty elements. */
     texts(index) {
@@ -139,16 +146,19 @@ export function encodeText(value) {
     return isLatin1(value) ? latin1Encode(value) : utf8Encode(value);
 }
 /**
- * The data elements one message may hold, segment headers and group elements included: several times what the
- * parameter data of a user with hundreds of accounts take, and few enough that a hostile message cannot exhaust the
- * memory, at about `dataElementMemory` bytes each.
+ * The data elements and segments one parse may produce together, segment headers and group elements included: what
+ * the user parameter data of 6,000 accounts take, at about 155 data elements each, which is about what 9,999 KB, the
+ * largest message size HIBPA can state, hold of real data. Without a limit, a message of nothing but separators would
+ * take a hundred times its size in memory.
+ *
+ * @internal Exported for the tests.
  */
-export const maxDataElements = 200_000;
+export const maxParts = 1_000_000;
 /**
- * The memory a data element of a received message takes, in bytes, with its share of the segment and of a return code:
- * about this much in V8, however few bytes of the message it is made of.
+ * What `IncomingMessage3.size` counts for each data element it keeps: more than any of them takes once parsed, so that
+ * a message of many short elements counts as the memory it holds rather than its bytes.
  */
-export const dataElementMemory = 256;
+export const parsedElementBytes = 512;
 /** Every empty data element of a received segment; it has no bytes to change. */
 const emptyElement = new DataElement(new Uint8Array(0), 0, 0, false);
 function isSeparator(byte) {
@@ -166,10 +176,15 @@ function isDigit(byte) {
  *
  * The elements share the memory of `data`. Throws `FormatError` for anything a complete message cannot hold: a
  * malformed binary length, binary data beyond the end of `data` or not followed by a separator, a last segment without
- * terminator, and more elements than `budget` has left, which parses of the same message share.
+ * terminator, and more than `maxParts` data elements and segments, an empty one included.
  */
-export function parseSegments(data, budget = { elements: maxDataElements }) {
+export function parseSegments(data) {
     const segments = [];
+    let parts = 0;
+    const count = () => {
+        if (++parts > maxParts)
+            throw new FormatError(`More than ${maxParts} data elements and segments`);
+    };
     // Created with their first element: an array that starts empty reserves room for more than most of them hold.
     let elements;
     let group;
@@ -212,8 +227,7 @@ export function parseSegments(data, budget = { elements: maxDataElements }) {
             i++;
             continue;
         }
-        if (--budget.elements < 0)
-            throw new FormatError('Too many data elements');
+        count();
         if (elements === undefined && group === undefined)
             segmentStart = i;
         const element = data[i] === binaryMarker ? readBinary() : readText();
@@ -230,6 +244,7 @@ export function parseSegments(data, budget = { elements: maxDataElements }) {
             elements.push(group);
         group = undefined;
         if (separator === segmentTerminator) {
+            count();
             const segment = new Segment(elements, data, segmentStart, i);
             // Skip empty segments, such as a stray double terminator.
             if (segment.type !== '')
@@ -360,7 +375,7 @@ function encodeValue(value) {
     else {
         // All but binary data go without leading and trailing blanks (Formals B.4.1). Encode first, then escape the bytes,
         // so that nothing unescaped slips into the syntax.
-        writeEscaped(out, encodeText(String(value).trim()));
+        writeEscaped(out, encodeText(trimBlanks(String(value))));
     }
     return out.takeBytes();
 }

package/dist/v3/syntax.js.map

@@ -1 +1 @@
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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@coderoftime/fints",
-  "version": "0.2.0",
+  "version": "0.3.0",
   "description": "FinTS 3.0 client for German banks: accounts, balances and transactions with PIN/TAN, PSD2 strong customer authentication and decoupled app approval.",
   "keywords": [
     "fints",

package/src/client.ts

@@ -1,10 +1,11 @@
-import type { Account } from './core/account.js';
+import { Account } from './core/account.js';
 import type { Balance } from './core/balance.js';
 import type { BankInfo } from './core/bank-info.js';
 import type { FinTsClient, FinTsClientOptions, TransactionQuery } from './core/client.js';
 import { FinTsConfig, requirePin, type FinTsConfigInit } from './core/config.js';
 import { FinTsStateError, FinTsUnsupportedError, type FinTsLoginRefusedError } from './core/errors.js';
-import type { Transaction } from './core/transaction.js';
+import type { Transaction, TransactionFormat } from './core/transaction.js';
+import type { FinTsTransport } from './core/transport.js';
 import { DialogRunner } from './session/dialog-runner.js';
 import { LoginGuard } from './session/login-guard.js';
 import { SepaAccounts } from './session/sepa-accounts.js';
@@ -13,6 +14,7 @@ import { restoreSession, saveSession, type SessionState } from './session/sessio
 import { TanSelection } from './session/tan-selection.js';
 import { UserPrompts } from './session/user-prompts.js';
 import { TanMedium, type TanMethod } from './tan/tan-models.js';
+import { optionalString, requireString } from './util/arguments.js';
 import { SerialExecutor } from './util/async.js';
 import { CallContext } from './util/call-context.js';
 import { calendarDay, notAfterToday } from './util/dates.js';
@@ -39,6 +41,24 @@ export interface FinTs3ClientInit {
 /** A token of the client call running now, so that a call from inside its callbacks is recognized. */
 const runningCalls = new CallContext<object>();
 
+/**
+ * `transport`, `undefined` for `null`; throws `TypeError` unless it is neither or has the functions of a
+ * `FinTsTransport`.
+ */
+function optionalTransport(transport: unknown): FinTsTransport | undefined {
+  if (transport === undefined || transport === null) return undefined;
+  const candidate = transport as Partial<FinTsTransport>;
+  if (typeof candidate.post !== 'function' || typeof candidate.close !== 'function') {
+    throw invalidArgument('Must have the functions post and close', 'transport');
+  }
+  return transport as FinTsTransport;
+}
+
+/** Throws `TypeError` for anything but an `Account`, such as one written to JSON and read back. */
+function requireAccount(account: unknown): void {
+  if (!(account instanceof Account)) throw invalidArgument('Must be an Account', 'account');
+}
+
 /**
  * The calendar day of `bound`, the `name` bound of a `TransactionQuery`: the bank takes dates without time of day.
  * Throws `TypeError` for anything but a valid `Date`, such as an Invalid Date, which would go out as `0NaNNaNNaN`.
@@ -49,6 +69,16 @@ function requestedDay(bound: unknown, name: string): Date | undefined {
   return calendarDay(bound);
 }
 
+/**
+ * The format a `TransactionQuery` asks for with `format`: `auto` where it is `undefined`. Throws `TypeError` for anything
+ * but a `TransactionFormat`, such as `'CAMT'` or `null`.
+ */
+function requestedFormat(format: unknown): TransactionFormat {
+  if (format === undefined) return 'auto';
+  if (format === 'auto' || format === 'mt940' || format === 'camt') return format;
+  throw invalidArgument("Must be 'auto', 'mt940' or 'camt'", 'format');
+}
+
 /** FinTS 3.0 PIN/TAN client, the version German banks use. */
 export class FinTs3Client implements FinTsClient {
   // A call such as `getBalance` runs through these parts:
@@ -89,15 +119,22 @@ export class FinTs3Client implements FinTsClient {
    *
    * Throws `TypeError` if the configuration is invalid, as the constructor of `FinTsConfig` tells, or the PIN is empty,
    * begins or ends with a blank, or has characters FinTS 3.0 cannot send: it uses ISO 8859-1, so `€` and most
-   * non-Latin letters are not possible.
+   * non-Latin letters are not possible. Throws `TypeError` as well for an option of another type than
+   * `FinTsClientOptions` names, as `FinTsClientOptions` tells.
    */
   constructor(init: FinTs3ClientInit) {
     const config = init.config instanceof FinTsConfig ? init.config : new FinTsConfig(init.config);
+    const { state, transport } = init.options;
     this.#prompts = new UserPrompts(init.options);
     this.#guard = new LoginGuard(requirePin(init.pin));
     this.#parameters = new ParameterStore(config);
-    this.#protocol = new FinTs3Protocol(this.#parameters, this.#guard, init.options.transport, this.#prompts.logger);
-    this.#sessionState = restoreSession(init.options.state, this.#parameters, this.#guard);
+    this.#protocol = new FinTs3Protocol(
+      this.#parameters,
+      this.#guard,
+      optionalTransport(transport),
+      this.#prompts.logger,
+    );
+    this.#sessionState = restoreSession(optionalString(state, 'state'), this.#parameters, this.#guard);
     this.#tans = new TanSelection(this.#protocol, this.#sessionState, this.#prompts);
     const session = {
       parameters: this.#parameters,
@@ -126,10 +163,13 @@ export class FinTs3Client implements FinTsClient {
     return this.#sessionState.tanMedium;
   }
 
-  selectTanMethod(securityFunction: string, tanMedium?: string): Promise<void> {
+  async selectTanMethod(securityFunction: string, tanMedium?: string): Promise<void> {
+    // Checked before the dialog ends; an async method, so that every argument error is a rejection.
+    const method = requireString(securityFunction, 'securityFunction');
+    const medium = optionalString(tanMedium, 'tanMedium');
     return this.#serialized(async () => {
       await this.#dialogs.end();
-      this.#tans.select(securityFunction, tanMedium);
+      this.#tans.select(method, medium);
     });
   }
 
@@ -170,7 +210,9 @@ export class FinTs3Client implements FinTsClient {
     return this.#serialized(() => this.#sepa.completedAccounts());
   }
 
-  getBalance(account: Account): Promise<Balance> {
+  async getBalance(account: Account): Promise<Balance> {
+    // Checked before the call waits for others; an async method, so that every argument error is a rejection.
+    requireAccount(account);
     return this.#serialized(async () => {
       const completed = await this.#sepa.complete(account);
       // The dialog start delivers the user parameter data, which may carry the complete balance: then the client must
@@ -185,21 +227,17 @@ export class FinTs3Client implements FinTsClient {
 
   async getTransactions(account: Account, query: TransactionQuery = {}): Promise<Transaction[]> {
     // Checked before the call waits for others; an async method, so that every argument error is a rejection.
+    requireAccount(account);
     const firstDay = requestedDay(query.from, 'from');
     const lastDay = requestedDay(query.to, 'to');
     if (firstDay !== undefined && lastDay !== undefined && firstDay.getTime() > lastDay.getTime()) {
       throw invalidArgument('`from` lies on a day after `to`', 'from');
     }
+    const format = requestedFormat(query.format);
     return this.#serialized(async () => {
       const completed = await this.#sepa.complete(account);
       const transactions = await this.#dialogs.query(() =>
-        transactionsQuery(
-          this.#parameters,
-          completed,
-          query.format ?? 'auto',
-          notAfterToday(firstDay),
-          notAfterToday(lastDay),
-        ),
+        transactionsQuery(this.#parameters, completed, format, notAfterToday(firstDay), notAfterToday(lastDay)),
       );
       // A stable sort, so that transactions of the same day keep the bank's order.
       return transactions.sort(
@@ -239,9 +277,12 @@ export class FinTs3Client implements FinTsClient {
       this.#runningCall = call;
       try {
         return await runningCalls.run(call, () =>
-          this.#guard.runCall(() => {
+          this.#guard.runCall(async () => {
+            this.#prompts.checkOpen();
+            const result = await this.#prompts.reportingCallbackErrors(action);
+            // Also where the last answer arrived after `close`: a closed client hands out no account data.
             this.#prompts.checkOpen();
-            return this.#prompts.reportingCallbackErrors(action);
+            return result;
           }),
         );
       } finally {

package/src/core/account.ts

@@ -1,5 +1,9 @@
+import { optionalBoolean, optionalInteger, optionalString, requireString } from '../util/arguments.js';
 import { copyDate } from '../util/dates.js';
+import { invalidArgument } from '../util/errors.js';
 import { ImmutableMap } from '../util/immutable-map.js';
+import { inspectCustom } from '../util/inspect.js';
+import { isString } from '../util/json.js';
 import { maskedId, nonBlank } from '../util/text.js';
 import { defaultCountryCode } from './config.js';
 
@@ -127,22 +131,28 @@ export class Account {
   /** What the bank tells about the data it holds for the account, where it does. */
   readonly dataStatus: AccountDataStatus | undefined;
 
-  /** Takes copies of the permitted transactions and the data status of `init`, which no other account shares. */
+  /**
+   * Takes copies of the permitted transactions and the data status of `init`, which no other account shares.
+   *
+   * Throws `TypeError` for a detail of another type than `AccountInit` names, such as a number as `bankCode` or
+   * `accountNumber`, or a missing `bankCode`; `null` counts as a detail not given. The message leaves out the value.
+   */
   constructor(init: AccountInit) {
-    this.accountNumber = init.accountNumber;
-    this.subAccount = init.subAccount;
-    this.bankCode = init.bankCode;
-    this.countryCode = init.countryCode ?? defaultCountryCode;
-    this.iban = electronicFormat(init.iban);
-    this.bic = electronicFormat(init.bic);
-    this.customerId = init.customerId;
-    this.currency = init.currency;
-    this.ownerName = init.ownerName;
-    this.productName = init.productName;
-    this.typeCode = init.typeCode;
-    this.allowedTransactions = Object.freeze([...(init.allowedTransactions ?? [])]);
-    this.allowedTransactionsComplete = init.allowedTransactionsComplete ?? false;
-    this.dataStatus = init.dataStatus && new AccountDataStatus(init.dataStatus);
+    this.accountNumber = optionalString(init.accountNumber, 'accountNumber');
+    this.subAccount = optionalString(init.subAccount, 'subAccount');
+    this.bankCode = requireString(init.bankCode, 'bankCode');
+    this.countryCode = optionalString(init.countryCode, 'countryCode') ?? defaultCountryCode;
+    this.iban = electronicFormat(optionalString(init.iban, 'iban'));
+    this.bic = electronicFormat(optionalString(init.bic, 'bic'));
+    this.customerId = optionalString(init.customerId, 'customerId');
+    this.currency = optionalString(init.currency, 'currency');
+    this.ownerName = optionalString(init.ownerName, 'ownerName');
+    this.productName = optionalString(init.productName, 'productName');
+    this.typeCode = optionalInteger(init.typeCode, 'typeCode');
+    this.allowedTransactions = Object.freeze(segmentIds(init.allowedTransactions));
+    this.allowedTransactionsComplete =
+      optionalBoolean(init.allowedTransactionsComplete, 'allowedTransactionsComplete') ?? false;
+    this.dataStatus = copiedDataStatus(init.dataStatus);
   }
 
   /** The kind of account, derived from `typeCode`. */
@@ -201,13 +211,35 @@ export class Account {
     ];
     return `Account(${parts.join(', ')})`;
   }
+
+  /** What Node.js's `util.inspect` and `console.log` show: `toString`, not the fields. */
+  [inspectCustom](): string {
+    return this.toString();
+  }
 }
 
 /**
- * An IBAN or BIC in the form the bank sends and compares, without blanks and in capitals; `undefined` for blanks only.
+ * An IBAN or BIC in the form the bank sends and compares, without blanks, U+0085 (NEL) among them, and in capitals;
+ * `undefined` for blanks only.
  */
 function electronicFormat(code: string | undefined): string | undefined {
-  return nonBlank(code?.replace(/\s/g, '').toUpperCase());
+  return nonBlank(code?.replace(/[\s\u0085]/g, '').toUpperCase());
+}
+
+/** A copy of `ids`, none for `undefined` or `null`; throws `TypeError` unless they are an array of strings. */
+function segmentIds(ids: unknown): string[] {
+  if (ids === undefined || ids === null) return [];
+  if (!Array.isArray(ids) || !ids.every(isString)) {
+    throw invalidArgument('Must be an array of strings', 'allowedTransactions');
+  }
+  return [...ids];
+}
+
+/** A copy of `status`, none for `undefined` or `null`; throws `TypeError` unless it is an `AccountDataStatus`. */
+function copiedDataStatus(status: unknown): AccountDataStatus | undefined {
+  if (status === undefined || status === null) return undefined;
+  if (!(status instanceof AccountDataStatus)) throw invalidArgument('Must be an AccountDataStatus', 'dataStatus');
+  return new AccountDataStatus(status);
 }
 
 function sameOrUnstated(a: string, b: string): boolean {
@@ -222,12 +254,11 @@ function nationalNumber(account: Account): string | undefined {
 /**
  * Accounts by IBAN and by national account, to find the first one an account `matches` without comparing it with each:
  * a bank may list tens of thousands.
- *
- * Bank and country codes count as they are, where `matches` takes an empty one for any: the accounts a bank lists state
- * both.
  */
 export class AccountIndex {
   private readonly byIban = new Map<string, number>();
+
+  /** By national account, under its bank and country code and under `null` for any of each, as `matches` takes them. */
   private readonly byNational = new Map<string, number>();
 
   /** Those without IBAN only: an account with IBAN matches one with IBAN by that alone. */
@@ -235,31 +266,48 @@ export class AccountIndex {
 
   constructor(private readonly accounts: readonly Account[]) {
     accounts.forEach((account, i) => {
-      const national = nationalKey(account);
       if (account.iban !== undefined) keepFirst(this.byIban, account.iban, i);
-      if (national === undefined) return;
-      keepFirst(this.byNational, national, i);
-      if (account.iban === undefined) keepFirst(this.byNationalWithoutIban, national, i);
+      const number = nationalNumber(account);
+      if (number === undefined) return;
+      for (const bankCode of [account.bankCode, null]) {
+        for (const countryCode of [account.countryCode, null]) {
+          const national = nationalKey(number, account.subAccount, bankCode, countryCode);
+          keepFirst(this.byNational, national, i);
+          if (account.iban === undefined) keepFirst(this.byNationalWithoutIban, national, i);
+        }
+      }
     });
   }
 
   /** The first of the accounts that `account` matches. */
   find(account: Account): Account | undefined {
-    const national = nationalKey(account);
+    const number = nationalNumber(account);
     const byNational = account.iban === undefined ? this.byNational : this.byNationalWithoutIban;
-    const found = [
-      account.iban === undefined ? undefined : this.byIban.get(account.iban),
-      national === undefined ? undefined : byNational.get(national),
-    ].filter((i) => i !== undefined);
-    return found.length === 0 ? undefined : this.accounts[Math.min(...found)];
+    const found = [account.iban === undefined ? undefined : this.byIban.get(account.iban)];
+    if (number !== undefined) {
+      for (const bankCode of codesMatching(account.bankCode)) {
+        for (const countryCode of codesMatching(account.countryCode)) {
+          found.push(byNational.get(nationalKey(number, account.subAccount, bankCode, countryCode)));
+        }
+      }
+    }
+    const positions = found.filter((i) => i !== undefined);
+    return positions.length === 0 ? undefined : this.accounts[Math.min(...positions)];
   }
 }
 
-function nationalKey(account: Account): string | undefined {
-  const number = nationalNumber(account);
-  return number === undefined
-    ? undefined
-    : JSON.stringify([number, account.subAccount ?? '', account.bankCode, account.countryCode]);
+/** The keys of the codes that `code` matches: an empty one matches any, and a stated one also an empty one. */
+function codesMatching(code: string): (string | null)[] {
+  return code === '' ? [null] : [code, ''];
+}
+
+function nationalKey(
+  number: string,
+  subAccount: string | undefined,
+  bankCode: string | null,
+  countryCode: string | null,
+): string {
+  return JSON.stringify([number, subAccount ?? '', bankCode, countryCode]);
 }
 
 function keepFirst(index: Map<string, number>, key: string, position: number): void {
@@ -320,4 +368,12 @@ export class AccountDataStatus {
   get camtTransactionsId(): string | undefined {
     return this.inventory.get('HKCAZ');
   }
+
+  /**
+   * What Node.js's `util.inspect` and `console.log` show: the queries `inventory` holds an ID for, not the IDs, which
+   * mark the user's data.
+   */
+  [inspectCustom](): string {
+    return `AccountDataStatus(${[...this.inventory.keys()].join(', ')})`;
+  }
 }

package/src/core/amount.ts

@@ -1,4 +1,7 @@
-import { FormatError } from '../util/errors.js';
+import { requireString } from '../util/arguments.js';
+import { FormatError, invalidArgument } from '../util/errors.js';
+import { inspectCustom } from '../util/inspect.js';
+import { trimBlanks } from '../util/text.js';
 
 /** Most decimal places an amount has: ISO 20022, the widest of the bank formats, allows five. */
 const maxScale = 5;
@@ -10,6 +13,9 @@ const powersOfTen = [1, 10, 100, 1000, 10000, 100000];
 /** Most digits a parsed amount has: few enough that the sum of two parsed amounts still fits. */
 const maxDigits = 15;
 
+/** Most characters a parsed value has: room for the zeros banks pad amounts with besides `maxDigits` digits. */
+const maxLength = 64;
+
 const decimal = /^([+-]?)(\d*)(?:[.,](\d*))?$/;
 
 /** Decimal places of the minor unit of `currency` (ISO 4217): two, except for the currencies listed here. */
@@ -63,8 +69,13 @@ export class Amount {
   /**
    * An amount of `minorUnits` with `scale` decimal places; throws `RangeError` for a `scale` outside 0 to 5, and for
    * `minorUnits` that are no integer or beyond 2^53 - 1 in either direction, about 90 trillion at two decimal places.
+   * Throws `TypeError` for `minorUnits` or `scale` that are no number, such as `'1234'`, and a `currency` that is no
+   * string.
    */
   constructor(minorUnits: number, scale: number, currency: string) {
+    if (typeof minorUnits !== 'number') throw invalidArgument('Must be a number', 'minorUnits');
+    if (typeof scale !== 'number') throw invalidArgument('Must be a number', 'scale');
+    requireString(currency, 'currency');
     if (!Number.isInteger(scale) || scale < 0 || scale > maxScale) {
       throw new RangeError(`scale must be an integer from 0 to ${maxScale}: ${scale}`);
     }
@@ -83,11 +94,15 @@ export class Amount {
    * `JPY`, three for `KWD`. It has more where the value has more significant digits. So `100,` in `EUR` is `100.00`, in
    * `JPY` `100`.
    *
-   * Throws `FormatError` for anything else, so that `1.234,56` in bank data is an error, not a guess, and for more than
-   * five decimal places (trailing zeros aside) or more than 15 digits.
+   * Throws `FormatError` for anything else, so that `1.234,56` in bank data is an error, not a guess, for more than
+   * five decimal places (trailing zeros aside) or more than 15 digits, and for more than 64 characters, zeros included
+   * and surrounding blanks aside. Throws `TypeError` for a `value` or `currency` that is no string.
    */
   static parseDecimal(value: string, currency: string): Amount {
-    const match = decimal.exec(value.trim());
+    const trimmed = trimBlanks(requireString(value, 'value'));
+    requireString(currency, 'currency');
+    if (trimmed.length > maxLength) throw new FormatError(`Amount longer than ${maxLength} characters`, value);
+    const match = decimal.exec(trimmed);
     const whole = match?.[2] ?? '';
     let fraction = match?.[3] ?? '';
     if (!match || (whole === '' && fraction === '')) throw new FormatError('Invalid amount', value);
@@ -175,14 +190,15 @@ export class Amount {
     return `${this.toDecimalString()} ${this.currency}`;
   }
 
+  /** What Node.js's `util.inspect` and `console.log` show: `toString`, not the fields. */
+  [inspectCustom](): string {
+    return this.toString();
+  }
+
   /** The minor units of both amounts at the larger scale, as `bigint`s, since the factor could leave the safe range. */
   private atCommonScale(other: Amount): [bigint, bigint] {
     const target = Math.max(this.scale, other.scale);
-    return [this.rescale(target), other.rescale(target)];
-  }
-
-  private rescale(target: number): bigint {
-    return BigInt(this.minorUnits) * BigInt(powersOfTen[target - this.scale]!);
+    return [unitsAtScale(this, target), unitsAtScale(other, target)];
   }
 
   private compareValue(other: Amount): number {
@@ -197,6 +213,23 @@ export class Amount {
   }
 }
 
+function unitsAtScale(amount: Amount, scale: number): bigint {
+  return BigInt(amount.minorUnits) * BigInt(powersOfTen[scale - amount.scale]!);
+}
+
+/**
+ * Whether `parts` are all in the currency of `total` and add up to exactly `total`; unlike `add`, also where a sum on
+ * the way lies beyond what an amount holds.
+ */
+export function addsUpTo(parts: readonly Amount[], total: Amount): boolean {
+  let sum = 0n;
+  for (const part of parts) {
+    if (part.currency !== total.currency) return false;
+    sum += unitsAtScale(part, maxScale);
+  }
+  return sum === unitsAtScale(total, maxScale);
+}
+
 /**
  * `amount` as a credit (unchanged) or a debit (negated), by the bank's credit/debit `mark`.
  *

package/src/core/balance.ts

@@ -1,4 +1,5 @@
 import { copyDate, formatIsoDate } from '../util/dates.js';
+import { inspectCustom } from '../util/inspect.js';
 import type { Account } from './account.js';
 import type { Amount } from './amount.js';
 
@@ -82,4 +83,9 @@ export class Balance {
   toString(): string {
     return `Balance(${this.account.toString()}, ${formatIsoDate(this.bookedAsOf)})`;
   }
+
+  /** What Node.js's `util.inspect` and `console.log` show: `toString`, not the fields. */
+  [inspectCustom](): string {
+    return this.toString();
+  }
 }