@etherisc/gif-next 0.0.2-9a053fa-993 → 0.0.2-9addcc0-107

package/contracts/instance/service/PolicyService.sol

@@ -0,0 +1,372 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.19;
+
+import {IRegistry} from "../../registry/IRegistry.sol";
+import {Product} from "../../components/Product.sol";
+import {IComponents} from "../module/IComponents.sol";
+import {IDistributionComponent} from "../../components/IDistributionComponent.sol";
+import {IInstance} from "../IInstance.sol";
+import {IPolicy} from "../module/IPolicy.sol";
+import {IPoolComponent} from "../../components/IPoolComponent.sol";
+import {IRisk} from "../module/IRisk.sol";
+import {IBundle} from "../module/IBundle.sol";
+import {ISetup} from "../module/ISetup.sol";
+
+import {TokenHandler} from "../../shared/TokenHandler.sol";
+
+import {Amount, AmountLib} from "../../types/Amount.sol";
+import {ClaimId, ClaimIdLib} from "../../types/ClaimId.sol";
+import {Timestamp, TimestampLib, zeroTimestamp} from "../../types/Timestamp.sol";
+import {UFixed, UFixedLib} from "../../types/UFixed.sol";
+import {ObjectType, APPLICATION, DISTRIBUTION, PRODUCT, POOL, POLICY, BUNDLE, CLAIM} from "../../types/ObjectType.sol";
+import {APPLIED, COLLATERALIZED, ACTIVE, KEEP_STATE, CLOSED, DECLINED, CONFIRMED} from "../../types/StateId.sol";
+import {NftId, NftIdLib} from "../../types/NftId.sol";
+import {PayoutId, PayoutIdLib} from "../../types/PayoutId.sol";
+import {StateId} from "../../types/StateId.sol";
+import {VersionPart} from "../../types/Version.sol";
+
+import {ComponentService} from "../base/ComponentService.sol";
+import {IApplicationService} from "./IApplicationService.sol";
+import {IBundleService} from "./IBundleService.sol";
+import {IClaimService} from "./IClaimService.sol";
+import {IDistributionService} from "./IDistributionService.sol";
+import {InstanceReader} from "../InstanceReader.sol";
+import {IPolicyService} from "./IPolicyService.sol";
+import {IPoolService} from "./IPoolService.sol";
+import {IService} from "../../shared/IService.sol";
+import {Service} from "../../shared/Service.sol";
+
+
+contract PolicyService is
+    ComponentService, 
+    IPolicyService
+{
+    using NftIdLib for NftId;
+    using TimestampLib for Timestamp;
+
+    IApplicationService internal _applicationService;
+    IBundleService internal _bundleService;
+    IClaimService internal _claimService;
+    IDistributionService internal _distributionService;
+    IPoolService internal _poolService;
+
+    event LogProductServiceSender(address sender);
+
+    function _initialize(
+        address owner, 
+        bytes memory data
+    )
+        internal
+        virtual override
+        initializer
+    {
+        address registryAddress;
+        address initialOwner;
+        (registryAddress, initialOwner) = abi.decode(data, (address, address));
+
+        initializeService(registryAddress, address(0), owner);
+
+        VersionPart majorVersion = getVersion().toMajorPart();
+        _poolService = IPoolService(getRegistry().getServiceAddress(POOL(), majorVersion));
+        _bundleService = IBundleService(getRegistry().getServiceAddress(BUNDLE(), majorVersion));
+        _claimService = IClaimService(getRegistry().getServiceAddress(CLAIM(), majorVersion));
+        _applicationService = IApplicationService(getRegistry().getServiceAddress(APPLICATION(), majorVersion));
+        _distributionService = IDistributionService(getRegistry().getServiceAddress(DISTRIBUTION(), majorVersion));
+
+        registerInterface(type(IPolicyService).interfaceId);
+    }
+
+
+    function getDomain() public pure override returns(ObjectType) {
+        return POLICY();
+    }
+
+
+    function _getAndVerifyInstanceAndProduct() internal view returns (Product product) {
+        IRegistry.ObjectInfo memory productInfo;
+        (, productInfo,) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        product = Product(productInfo.objectAddress);
+    }
+
+
+    function decline(
+        NftId policyNftId
+    )
+        external
+        override
+    {
+        revert();
+    }
+
+
+    /// @dev underwites application which includes the locking of the required collateral from the pool.
+    function collateralize(
+        NftId applicationNftId, // = policyNftId
+        bool requirePremiumPayment,
+        Timestamp activateAt
+    )
+        external 
+        virtual override
+    {
+        // check caller is registered product
+        (NftId productNftId,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        // check policy matches with calling product
+        IPolicy.PolicyInfo memory applicationInfo = instanceReader.getPolicyInfo(applicationNftId);
+        
+        if (applicationInfo.productNftId != productNftId) {
+            revert ErrorPolicyServiceProductMismatch(applicationNftId, applicationInfo.productNftId, productNftId);
+        }
+
+        // check policy is in state applied
+        if (instanceReader.getPolicyState(applicationNftId) != APPLIED()) {
+            revert ErrorPolicyServicePolicyStateNotApplied(applicationNftId);
+        }
+        
+        StateId newPolicyState = COLLATERALIZED();
+
+        // optional activation of policy
+        if(activateAt > zeroTimestamp()) {
+            newPolicyState = ACTIVE();
+            applicationInfo.activatedAt = activateAt;
+            applicationInfo.expiredAt = activateAt.addSeconds(applicationInfo.lifetime);
+        }
+
+        // lock bundle collateral
+        Amount netPremiumAmount = AmountLib.zero(); // > 0 if immediate premium payment 
+
+        // optional collection of premium
+        if(requirePremiumPayment) {
+            netPremiumAmount = _processPremiumByTreasury(
+                instance, 
+                applicationNftId, 
+                applicationInfo.premiumAmount);
+
+            applicationInfo.premiumPaidAmount = applicationInfo.premiumPaidAmount + applicationInfo.premiumAmount;
+        }
+
+        // store updated policy info
+        instance.updatePolicy(applicationNftId, applicationInfo, newPolicyState);
+
+        // lock collateral and update pool and bundle book keeping
+        // pool retention level: fraction of sum insured that product will cover from pool funds directly
+        // eg retention level 30%, payouts up to 30% of the sum insured will be made from the product's pool directly
+        // for the remaining 70% the pool owns a policy that will cover claims that exceed the 30% of the sum insured
+        // might also call pool component (for isVerifyingApplications pools)
+        _poolService.lockCollateral(
+            instance,
+            productNftId,
+            applicationNftId, 
+            applicationInfo,
+            netPremiumAmount); // for pool book keeping (fee + additional capital)
+
+        // TODO: add logging
+    }
+
+
+    function calculateRequiredCollateral(
+        UFixed collateralizationLevel, 
+        Amount sumInsuredAmount
+    )
+        public 
+        pure 
+        virtual 
+        returns(Amount collateralAmount)
+    {
+        UFixed collateralUFixed =  collateralizationLevel * sumInsuredAmount.toUFixed();
+        return AmountLib.toAmount(collateralUFixed.toInt());
+    } 
+
+    function collectPremium(
+        NftId policyNftId, 
+        Timestamp activateAt
+    )
+        external 
+        virtual
+    {
+        // check caller is registered product
+        (NftId productNftId,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        InstanceReader instanceReader = instance.getInstanceReader();
+        IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
+
+        if (policyInfo.premiumPaidAmount == policyInfo.premiumAmount) {
+            revert ErrorPolicyServicePremiumAlreadyPaid(policyNftId, policyInfo.premiumPaidAmount);
+        }
+
+        Amount unpaidPremiumAmount = policyInfo.premiumAmount - policyInfo.premiumPaidAmount;
+
+        Amount netPremiumAmount = _processPremiumByTreasury(
+                instance, 
+                policyNftId, 
+                unpaidPremiumAmount);
+
+        policyInfo.premiumPaidAmount = policyInfo.premiumPaidAmount + unpaidPremiumAmount;
+
+        _bundleService.increaseBalance(instance, policyInfo.bundleNftId, netPremiumAmount);
+        instance.updatePolicy(policyNftId, policyInfo, KEEP_STATE());
+
+        if(activateAt.gtz() && policyInfo.activatedAt.eqz()) {
+            activate(policyNftId, activateAt);
+        }
+
+        // TODO: add logging
+    }
+
+    function activate(NftId policyNftId, Timestamp activateAt) public override {
+        // check caller is registered product
+        (,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
+
+        require(
+            policyInfo.activatedAt.eqz(),
+            "ERROR:PRS-020:ALREADY_ACTIVATED");
+
+        policyInfo.activatedAt = activateAt;
+        policyInfo.expiredAt = activateAt.addSeconds(policyInfo.lifetime);
+
+        instance.updatePolicy(policyNftId, policyInfo, ACTIVE());
+
+        // TODO: add logging
+    }
+
+
+    function expire(
+        NftId policyNftId
+    )
+        external
+        override
+        // solhint-disable-next-line no-empty-blocks
+    {
+        
+    }
+
+    function close(
+        NftId policyNftId
+    )
+        external 
+        override
+    {
+        (,, IInstance instance) = _getAndVerifyComponentInfoAndInstance(PRODUCT());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        IPolicy.PolicyInfo memory policyInfo = instanceReader.getPolicyInfo(policyNftId);
+
+        if (policyInfo.activatedAt.eqz()) {
+            revert ErrorIPolicyServicePolicyNotActivated(policyNftId);
+        }
+
+        StateId state = instanceReader.getPolicyState(policyNftId);
+        if (state != ACTIVE()) {
+            revert ErrorIPolicyServicePolicyNotActive(policyNftId, state);
+        }
+
+        if (policyInfo.closedAt.gtz()) {
+            revert ErrorIPolicyServicePolicyAlreadyClosed(policyNftId);
+        }
+
+        // TODO consider to allow for underpaid premiums (with the effects of reducing max payouts accordingly)
+        if (!(policyInfo.premiumAmount == policyInfo.premiumPaidAmount)) {
+            revert ErrorPolicyServicePremiumNotFullyPaid(policyNftId, policyInfo.premiumAmount, policyInfo.premiumPaidAmount);
+        }
+
+        if (policyInfo.openClaimsCount > 0) {
+            revert ErrorIPolicyServiceOpenClaims(policyNftId, policyInfo.openClaimsCount);
+        }
+
+        policyInfo.closedAt = TimestampLib.blockTimestamp();
+
+        _poolService.releaseCollateral(
+            instance, 
+            policyNftId, 
+            policyInfo);
+
+        instance.updatePolicy(policyNftId, policyInfo, CLOSED());
+    }
+
+
+    function _processPremiumByTreasury(
+        IInstance instance,
+        NftId policyNftId,
+        Amount premiumExpectedAmount
+    )
+        internal
+        returns (Amount netPremiumAmount)
+    {
+        // process token transfer(s)
+        if(premiumExpectedAmount.eqz()) {
+            return AmountLib.zero();
+        }
+
+        NftId productNftId = getRegistry().getObjectInfo(policyNftId).parentNftId;
+        IPolicy.PolicyInfo memory policyInfo = instance.getInstanceReader().getPolicyInfo(policyNftId);
+        IPolicy.Premium memory premium = _applicationService.calculatePremium(
+            productNftId,
+            policyInfo.riskId,
+            policyInfo.sumInsuredAmount,
+            policyInfo.lifetime,
+            policyInfo.applicationData,
+            policyInfo.bundleNftId,
+            policyInfo.referralId
+            );
+
+        if (premium.premiumAmount != premiumExpectedAmount.toInt()) {
+            revert ErrorPolicyServicePremiumMismatch(
+                policyNftId, 
+                premiumExpectedAmount, 
+                AmountLib.toAmount(premium.premiumAmount));
+        }
+
+        address policyOwner = getRegistry().ownerOf(policyNftId);
+        ISetup.ProductSetupInfo memory productSetupInfo = instance.getInstanceReader().getProductSetupInfo(productNftId);
+        TokenHandler tokenHandler = productSetupInfo.tokenHandler;
+        if (tokenHandler.getToken().allowance(policyOwner, address(tokenHandler)) < premium.premiumAmount) {
+            revert ErrorIPolicyServiceInsufficientAllowance(policyOwner, address(tokenHandler), premium.premiumAmount);
+        }
+
+        Amount productFeeAmountToTransfer = AmountLib.toAmount(premium.productFeeFixAmount + premium.productFeeVarAmount);
+        Amount distributionFeeAmountToTransfer = AmountLib.toAmount(premium.distributionFeeFixAmount + premium.distributionFeeVarAmount - premium.discountAmount);
+        uint256 poolFeeAmountToTransfer = premium.poolFeeFixAmount + premium.poolFeeVarAmount;
+        uint256 bundleFeeAmountToTransfer = premium.bundleFeeFixAmount + premium.bundleFeeVarAmount;
+        Amount poolAmountToTransfer = AmountLib.toAmount(premium.netPremiumAmount + poolFeeAmountToTransfer + bundleFeeAmountToTransfer);
+
+        netPremiumAmount = AmountLib.toAmount(premium.netPremiumAmount);
+
+        // move product fee to product wallet
+        {
+            address productWallet = productSetupInfo.wallet;
+            tokenHandler.transfer(policyOwner, productWallet, productFeeAmountToTransfer);
+        }
+
+        // move distribution fee to distribution wallet
+        {
+            ISetup.DistributionSetupInfo memory distributionSetupInfo = instance.getInstanceReader().getDistributionSetupInfo(productSetupInfo.distributionNftId);
+            address distributionWallet = distributionSetupInfo.wallet;
+            tokenHandler.transfer(policyOwner, distributionWallet, distributionFeeAmountToTransfer);
+            _distributionService.processSale(productSetupInfo.distributionNftId, policyInfo.referralId, premium, distributionFeeAmountToTransfer);
+        }
+        
+        // move netpremium, bundleFee and poolFee to pool wallet
+        {
+            address poolWallet = instance.getInstanceReader().getComponentInfo(productSetupInfo.poolNftId).wallet;
+            tokenHandler.transfer(policyOwner, poolWallet, poolAmountToTransfer);
+            _poolService.processSale(policyInfo.bundleNftId, premium, poolAmountToTransfer);
+        }
+
+        // validate total amount transferred
+        {
+            Amount totalTransferred = distributionFeeAmountToTransfer + poolAmountToTransfer + productFeeAmountToTransfer;
+
+            if (premium.premiumAmount != totalTransferred.toInt()) {
+                revert ErrorPolicyServiceTransferredPremiumMismatch(
+                    policyNftId, 
+                    AmountLib.toAmount(premium.premiumAmount), 
+                    totalTransferred);
+            }
+        }
+
+        // TODO: add logging
+    }
+}

package/contracts/instance/service/PolicyServiceManager.sol

@@ -0,0 +1,54 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.20;
+
+import {IVersionable} from "../../shared/IVersionable.sol";
+import {ProxyManager} from "../../shared/ProxyManager.sol";
+import {PolicyService} from "./PolicyService.sol";
+import {Registry} from "../../registry/Registry.sol";
+import {RegistryService} from "../../registry/RegistryService.sol";
+import {VersionLib} from "../../types/Version.sol";
+
+contract PolicyServiceManager is ProxyManager {
+
+    PolicyService private _policyService;
+
+    /// @dev initializes proxy manager with product service implementation 
+    constructor(
+        address registryAddress
+    )
+        ProxyManager(registryAddress)
+    {
+        PolicyService svc = new PolicyService();
+        bytes memory data = abi.encode(registryAddress, address(this));
+        IVersionable versionable = deploy(
+            address(svc), 
+            data);
+
+        _policyService = PolicyService(address(versionable));
+
+        // Registry registry = Registry(registryAddress);
+        // address registryServiceAddress = registry.getServiceAddress("RegistryService", VersionLib.toVersion(3, 0, 0).toMajorPart());
+        // RegistryService registryService = RegistryService(registryServiceAddress);
+        // TODO this must have a role or own nft to register service
+        //registryService.registerService(_productService);
+        
+        // TODO no nft to link yet
+        // link ownership of instance service manager ot nft owner of instance service
+        //_linkToNftOwnable(
+        //    address(registryAddress),
+        //    address(_productService));
+
+        // implies that after this constructor call only upgrade functionality is available
+        // _isDeployed = true;
+    }
+
+    //--- view functions ----------------------------------------------------//
+    function getPolicyService()
+        external
+        view
+        returns (PolicyService policyService)
+    {
+        return _policyService;
+    }
+
+}