@etherisc/gif-next 0.0.2-da06f3b-803 → 0.0.2-da09ec0-359

package/contracts/instance/service/PolicyServiceManager.sol

@@ -16,7 +16,7 @@ contract PolicyServiceManager is ProxyManager {
     constructor(
         address registryAddress
     )
-        ProxyManager()
+        ProxyManager(registryAddress)
     {
         PolicyService svc = new PolicyService();
         bytes memory data = abi.encode(registryAddress, address(this));
@@ -39,7 +39,7 @@ contract PolicyServiceManager is ProxyManager {
         //    address(_productService));
 
         // implies that after this constructor call only upgrade functionality is available
-        _isDeployed = true;
+        // _isDeployed = true;
     }
 
     //--- view functions ----------------------------------------------------//

package/contracts/instance/service/PoolService.sol

@@ -6,25 +6,30 @@ import {IRegistry} from "../../registry/IRegistry.sol";
 import {IInstance} from "../../instance/IInstance.sol";
 import {IBundle} from "../../instance/module/IBundle.sol";
 import {TokenHandler} from "../../instance/module/ITreasury.sol";
-import {ISetup} from "../module/ISetup.sol";
+import {IComponents} from "../module/IComponents.sol";
 import {IPolicy} from "../module/IPolicy.sol";
 
 import {IVersionable} from "../../shared/IVersionable.sol";
 import {Versionable} from "../../shared/Versionable.sol";
 import {INftOwnable} from "../../shared/INftOwnable.sol";
 
+import {Amount, AmountLib} from "../../types/Amount.sol";
+import {Fee, FeeLib} from "../../types/Fee.sol";
 import {NftId, NftIdLib, zeroNftId} from "../../types/NftId.sol";
 import {ObjectType, POOL, BUNDLE} from "../../types/ObjectType.sol";
-import {POOL_OWNER_ROLE, RoleId} from "../../types/RoleId.sol";
+import {PUBLIC_ROLE, POOL_OWNER_ROLE, POLICY_SERVICE_ROLE, RoleId} from "../../types/RoleId.sol";
 import {Fee, FeeLib} from "../../types/Fee.sol";
 import {Version, VersionLib} from "../../types/Version.sol";
 import {KEEP_STATE, StateId} from "../../types/StateId.sol";
+import {Seconds} from "../../types/Seconds.sol";
 import {TimestampLib, zeroTimestamp} from "../../types/Timestamp.sol";
+import {Version, VersionLib} from "../../types/Version.sol";
 
 import {IService} from "../../shared/IService.sol";
 import {Service} from "../../shared/Service.sol";
 import {BundleManager} from "../BundleManager.sol";
 import {ComponentService} from "../base/ComponentService.sol";
+import {IBundleService} from "./IBundleService.sol";
 import {IPoolService} from "./IPoolService.sol";
 import {IRegistryService} from "../../registry/IRegistryService.sol";
 import {InstanceService} from "../InstanceService.sol";
@@ -39,8 +44,9 @@ contract PoolService is
     IPoolService 
 {
     using NftIdLib for NftId;
+    using AmountLib for Amount;
 
-    address internal _registryAddress;
+    IBundleService internal _bundleService;
 
     function _initialize(
         address owner, 
@@ -55,12 +61,14 @@ contract PoolService is
         (registryAddress, initialOwner) = abi.decode(data, (address, address));
         // TODO while PoolService is not deployed in PoolServiceManager constructor
         //      owner is PoolServiceManager deployer
-        _initializeService(registryAddress, owner);
+        initializeService(registryAddress, address(0), owner);
+
+        _bundleService = IBundleService(getRegistry().getServiceAddress(BUNDLE(), getVersion().toMajorPart()));
 
-        _registerInterface(type(IPoolService).interfaceId);
+        registerInterface(type(IPoolService).interfaceId);
     }
 
-    function getDomain() public pure override(Service, IService) returns(ObjectType) {
+    function getDomain() public pure override returns(ObjectType) {
         return POOL();
     }
 
@@ -79,32 +87,317 @@ contract PoolService is
             POOL_OWNER_ROLE());
 
         IPoolComponent pool = IPoolComponent(poolAddress);
-        IRegistry.ObjectInfo memory poolInfo = getRegistryService().registerPool(pool, owner);
+        IRegistry.ObjectInfo memory registryInfo = getRegistryService().registerPool(pool, owner);
         pool.linkToRegisteredNftId();
-        poolNftId = poolInfo.nftId;
+        poolNftId = registryInfo.nftId;
+
+        // amend component info with pool specific token handler
+        IComponents.ComponentInfo memory componentInfo = pool.getComponentInfo();
+        componentInfo.tokenHandler = new TokenHandler(address(componentInfo.token));
+
+        // save amended component info with instance
+        instance.getInstanceStore().createPoolSetup(poolNftId, componentInfo);
+
+        bytes4[][] memory selectors = new bytes4[][](2);
+        selectors[0] = new bytes4[](1);
+        selectors[1] = new bytes4[](1);
+
+        selectors[0][0] = IPoolComponent.setFees.selector;
+        selectors[1][0] = IPoolComponent.verifyApplication.selector;
+
+        RoleId[] memory roles = new RoleId[](2);
+        roles[0] = POOL_OWNER_ROLE();
+        roles[1] = POLICY_SERVICE_ROLE();
+
+        getInstanceService().createGifTarget(
+            instanceNftId, 
+            poolAddress, 
+            pool.getName(), 
+            selectors, 
+            roles);
+    }
+
+
+    function setMaxCapitalAmount(Amount maxCapitalAmount)
+        external
+        virtual
+    {
+        (NftId poolNftId,, IInstance instance) = _getAndVerifyCallingComponentAndInstance(POOL());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
+        IComponents.PoolInfo memory poolInfo = abi.decode(componentInfo.data, (IComponents.PoolInfo));
+        Amount previousMaxCapitalAmount = poolInfo.maxCapitalAmount;
+
+        poolInfo.maxCapitalAmount = maxCapitalAmount;
+        componentInfo.data = abi.encode(poolInfo);
+        instance.getInstanceStore().updatePoolSetup(poolNftId, componentInfo, KEEP_STATE());
+
+        emit LogPoolServiceMaxCapitalAmountUpdated(poolNftId, previousMaxCapitalAmount, maxCapitalAmount);
+    }
+
+    function setBundleOwnerRole(RoleId bundleOwnerRole)
+        external
+        virtual
+    {
+        (NftId poolNftId,, IInstance instance) = _getAndVerifyCallingComponentAndInstance(POOL());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
+        IComponents.PoolInfo memory poolInfo = abi.decode(componentInfo.data, (IComponents.PoolInfo));
 
-        instance.createPoolSetup(poolNftId, pool.getSetupInfo());
-        getInstanceService().createGifTarget(instanceNftId, poolAddress, pool.getName());
-        getInstanceService().grantPoolDefaultPermissions(instanceNftId, poolAddress, pool.getName());
+        // bundle owner role may only be set once per pool
+        if(poolInfo.bundleOwnerRole != PUBLIC_ROLE()) {
+            revert ErrorPoolServiceBundleOwnerRoleAlreadySet(poolNftId);
+        }
+
+        poolInfo.bundleOwnerRole = bundleOwnerRole;
+        componentInfo.data = abi.encode(poolInfo);
+        instance.getInstanceStore().updatePoolSetup(poolNftId, componentInfo, KEEP_STATE());
+
+        emit LogPoolServiceBundleOwnerRoleSet(poolNftId, bundleOwnerRole);
     }
 
+
     function setFees(
         Fee memory poolFee,
         Fee memory stakingFee,
         Fee memory performanceFee
     )
         external
-        override
+        virtual
+    {
+        (NftId poolNftId,, IInstance instance) = _getAndVerifyCallingComponentAndInstance(POOL());
+        InstanceReader instanceReader = instance.getInstanceReader();
+
+        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
+        IComponents.PoolInfo memory poolInfo = abi.decode(componentInfo.data, (IComponents.PoolInfo));
+
+        poolInfo.poolFee = poolFee;
+        poolInfo.stakingFee = stakingFee;
+        poolInfo.performanceFee = performanceFee;
+        componentInfo.data = abi.encode(poolInfo);
+        instance.getInstanceStore().updatePoolSetup(poolNftId, componentInfo, KEEP_STATE());
+
+        // TODO add logging
+    }
+
+
+    function createBundle(
+        address owner, // initial bundle owner
+        Fee memory fee, // fees deducted from premium that go to bundle owner
+        Amount stakingAmount, // staking amount - staking fees result in initial bundle capital
+        Seconds lifetime, // initial duration for which new policies are covered
+        bytes calldata filter // optional use case specific criteria that define if a policy may be covered by this bundle
+    )
+        external 
+        virtual
+        returns(NftId bundleNftId)
     {
-        (IRegistry.ObjectInfo memory poolInfo, IInstance instance) = _getAndVerifyComponentInfoAndInstance(POOL());
+        (NftId poolNftId,, IInstance instance) = _getAndVerifyCallingComponentAndInstance(POOL());
         InstanceReader instanceReader = instance.getInstanceReader();
-        NftId poolNftId = poolInfo.nftId;
 
-        ISetup.PoolSetupInfo memory poolSetupInfo = instanceReader.getPoolSetupInfo(poolNftId);
-        poolSetupInfo.poolFee = poolFee;
-        poolSetupInfo.stakingFee = stakingFee;
-        poolSetupInfo.performanceFee = performanceFee;
+        // pool fee book keeping
+        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
+        Amount stakingNetAmount = _processStakingFees(componentInfo, stakingAmount);
+
+        bundleNftId = _bundleService.create(
+            instance,
+            poolNftId,
+            owner,
+            fee,
+            stakingNetAmount,
+            lifetime,
+            filter);
+
+        // collect tokens from bundle owner
+        _transferStakingAmount(componentInfo, owner, stakingAmount);
+
+        emit LogPoolServiceBundleCreated(instance.getNftId(), poolNftId, bundleNftId);
+    }
+
+
+    function closeBundle(NftId bundleNftId)
+        external
+        virtual
+    {
+        (NftId poolNftId,, IInstance instance) = _getAndVerifyCallingComponentAndInstance(POOL());
+
+        // TODO book keeping for pool collateral released outside of retention level
+
+        // releasing collateral in bundle
+        _bundleService.close(instance, bundleNftId);
+
+        // TODO get performance fee for pool, transfer of remaining funds + bundle fees to bundle owner
+
+        emit LogPoolServiceBundleClosed(instance.getNftId(), poolNftId, bundleNftId);
+    }
+
+    function processSale(
+        NftId bundleNftId, 
+        IPolicy.Premium memory premium, 
+        Amount actualAmountTransferred
+    ) 
+        external
+        virtual
+    {
+        IRegistry registry = getRegistry();
+        IRegistry.ObjectInfo memory bundleObjectInfo = registry.getObjectInfo(bundleNftId);
+        IRegistry.ObjectInfo memory poolObjectInfo = registry.getObjectInfo(bundleObjectInfo.parentNftId);
+        IRegistry.ObjectInfo memory instanceObjectInfo = registry.getObjectInfo(poolObjectInfo.parentNftId);
+        IInstance instance = IInstance(instanceObjectInfo.objectAddress);
+
+        Amount poolFeeAmount = AmountLib.toAmount(premium.poolFeeFixAmount + premium.poolFeeVarAmount);
+        Amount bundleFeeAmount = AmountLib.toAmount(premium.bundleFeeFixAmount + premium.bundleFeeVarAmount);
+        Amount expectedTransferAmount = AmountLib.toAmount(premium.netPremiumAmount) + poolFeeAmount + bundleFeeAmount;
+        if (!(actualAmountTransferred == expectedTransferAmount)) {
+            revert ErrorPoolServiceInvalidTransferAmount(expectedTransferAmount, actualAmountTransferred);
+        }
         
-        instance.updatePoolSetup(poolNftId, poolSetupInfo, KEEP_STATE());
+        // update pool fee balance
+        if (poolFeeAmount.gtz()) {
+            IComponents.ComponentInfo memory poolComponentInfo = instance.getInstanceReader().getComponentInfo(poolObjectInfo.nftId);
+            poolComponentInfo.feeAmount = poolComponentInfo.feeAmount.add(poolFeeAmount);
+            instance.getInstanceStore().updatePoolSetup(poolObjectInfo.nftId, poolComponentInfo, KEEP_STATE());
+        }
+
+        if (bundleFeeAmount.gtz()) {
+            _bundleService.updateBundleFees(instance, bundleNftId, bundleFeeAmount);
+        }
+    }
+
+    function lockCollateral(
+        IInstance instance, 
+        NftId productNftId,
+        NftId applicationNftId,
+        IPolicy.PolicyInfo memory applicationInfo,
+        Amount premiumAmount // premium amount after product and distribution fees
+    )
+        external
+        virtual
+        // TODO add restricted and granting for policy service
+    {
+        InstanceReader instanceReader = instance.getInstanceReader();
+        NftId poolNftId = instanceReader.getProductSetupInfo(productNftId).poolNftId;
+        NftId bundleNftId = applicationInfo.bundleNftId;
+
+        // TODO move this check to application creation and don't repeat this here
+        // ensure that pool for bundle from application matches with pool for product of application
+        IBundle.BundleInfo memory bundleInfo = instanceReader.getBundleInfo(bundleNftId);
+        if(bundleInfo.poolNftId != poolNftId) {
+            revert ErrorPoolServiceBundlePoolMismatch(bundleInfo.poolNftId, poolNftId);
+        }
+
+        IComponents.ComponentInfo memory componentInfo = instanceReader.getComponentInfo(poolNftId);
+        IComponents.PoolInfo memory poolInfo = abi.decode(componentInfo.data, (IComponents.PoolInfo));
+
+        // TODO add correct required collateral calculation (collateralization level mibht be != 1, retention level might be < 1)
+        Amount collateralAmount = applicationInfo.sumInsuredAmount;
+
+        // TODO add correct net premium calculation (pool fee might be > 0)
+        Amount premiumAfterPoolFeeAmount = premiumAmount;
+
+        // lock collateral amount from involvedd bundle
+        _bundleService.lockCollateral(
+            instance,
+            applicationNftId, 
+            bundleNftId,
+            collateralAmount,
+            premiumAfterPoolFeeAmount);
+
+        // also verify/confirm application by pool if necessary
+        if(poolInfo.isVerifyingApplications) {
+            address poolAddress = getRegistry().getObjectInfo(poolNftId).objectAddress;
+            IPoolComponent(poolAddress).verifyApplication(
+                applicationNftId, 
+                applicationInfo.applicationData, 
+                bundleNftId,
+                bundleInfo.filter,
+                collateralAmount);
+        }
+    }
+
+
+    function reduceCollateral(
+        IInstance instance, 
+        NftId policyNftId, 
+        IPolicy.PolicyInfo memory policyInfo,
+        Amount payoutAmount
+    )
+        external
+        virtual
+        // TODO add restricted and granting for claim service
+    {
+        _bundleService.releaseCollateral(
+            instance, 
+            policyNftId, 
+            policyInfo.bundleNftId, 
+            payoutAmount);
     }
-}
+
+
+    /// @dev releases the remaining collateral linked to the specified policy
+    /// may only be called by the policy service for unlocked pool components
+    function releaseCollateral(
+        IInstance instance, 
+        NftId policyNftId, 
+        IPolicy.PolicyInfo memory policyInfo
+    )
+        external
+        virtual
+        // TODO add restricted and granting for policy service
+    {
+        _bundleService.releaseCollateral(
+            instance, 
+            policyNftId, 
+            policyInfo.bundleNftId, 
+            policyInfo.sumInsuredAmount - policyInfo.claimAmount);
+
+        _bundleService.unlinkPolicy(
+            instance, 
+            policyNftId);
+    }
+
+
+    function _processStakingFees(
+        IComponents.ComponentInfo memory componentInfo, 
+        Amount stakingAmount
+    )
+        internal
+        returns (Amount stakingNetAmount)
+    {
+        stakingNetAmount = stakingAmount;
+
+        // check if any staking fees apply
+        Fee memory stakingFee = abi.decode(componentInfo.data, (IComponents.PoolInfo)).stakingFee;
+        if (FeeLib.gtz(stakingFee)) {
+            (Amount feeAmount, Amount netAmount) = FeeLib.calculateFee(stakingFee, stakingAmount);
+            stakingNetAmount = netAmount;
+
+            // TODO update fee balance for pool
+        }
+    }
+
+
+    // TODO create (I)TreasuryService that deals with all gif related token transfers
+    /// @dev transfers the specified amount from the bundle owner to the pool's wallet
+    function _transferStakingAmount(
+        IComponents.ComponentInfo memory componentInfo,
+        address bundleOwner,
+        Amount stakingAmount
+    )
+        internal
+    {
+        TokenHandler tokenHandler = componentInfo.tokenHandler;
+        address poolWallet = componentInfo.wallet;
+
+        if(stakingAmount.gtz()) {
+            tokenHandler.transfer(
+                bundleOwner,
+                poolWallet,
+                stakingAmount
+            );
+        }
+    }
+
+}

package/contracts/instance/service/PoolServiceManager.sol

@@ -16,7 +16,7 @@ contract PoolServiceManager is ProxyManager {
     constructor(
         address registryAddress
     )
-        ProxyManager()
+        ProxyManager(registryAddress)
     {
         PoolService poolSrv = new PoolService();
         bytes memory data = abi.encode(registryAddress, address(this));

package/contracts/instance/service/PricingService.sol

@@ -0,0 +1,275 @@
+// SPDX-License-Identifier: Apache-2.0
+pragma solidity ^0.8.19;
+
+import {Seconds} from "../../types/Seconds.sol";
+import {UFixed, UFixedLib} from "../../types/UFixed.sol";
+import {ObjectType} from "../../types/ObjectType.sol";
+import {NftId} from "../../types/NftId.sol";
+import {Fee} from "../../types/Fee.sol";
+import {ReferralId} from "../../types/Referral.sol";
+import {RiskId} from "../../types/RiskId.sol";
+import {PRODUCT, DISTRIBUTION, PRICE} from "../../types/ObjectType.sol";
+import {Amount} from "../../types/Amount.sol";
+import {IRegistry} from "../../registry/IRegistry.sol";
+
+import {IProductComponent} from "../../components/IProductComponent.sol";
+
+import {IInstance} from "../IInstance.sol";
+import {InstanceReader} from "../InstanceReader.sol";
+import {IComponents} from "../module/IComponents.sol";
+import {IPolicy} from "../module/IPolicy.sol";
+import {IBundle} from "../module/IBundle.sol";
+import {ISetup} from "../module/ISetup.sol";
+import {IDistribution} from "../module/IDistribution.sol";
+
+import {ComponentService} from "../base/ComponentService.sol";
+
+import {IPricingService} from "./IPricingService.sol";
+import {IDistributionService} from "./IDistributionService.sol";
+
+
+contract PricingService is 
+    ComponentService, 
+    IPricingService
+{
+    using UFixedLib for UFixed;
+
+    IDistributionService internal _distributionService;
+
+
+    function _initialize(
+        address owner, 
+        bytes memory data
+    )
+        internal
+        virtual override
+        initializer()
+    {
+        // TODO check this, might no longer be the way, refactor if necessary
+        address registryAddress;
+        address initialOwner;
+        (registryAddress, initialOwner) = abi.decode(data, (address, address));
+
+        initializeService(registryAddress, address(0), owner);
+        registerInterface(type(IPricingService).interfaceId);
+
+        _distributionService = IDistributionService(_getServiceAddress(DISTRIBUTION()));
+    }
+
+
+    function getDomain() public pure override returns(ObjectType) {
+        return PRICE();
+    }
+
+    /// @dev calculates the premium amount for the specified attributes
+    /// also returns the various fee components involved with creating a policy
+    function calculatePremium(
+        NftId productNftId,
+        RiskId riskId,
+        Amount sumInsuredAmount,
+        Seconds lifetime,
+        bytes memory applicationData,
+        NftId bundleNftId,
+        ReferralId referralId
+    )
+        external
+        view
+        virtual override
+        returns (
+            IPolicy.Premium memory premium
+        )
+    {
+        InstanceReader reader;
+        Amount netPremiumAmount;
+
+        {
+            // verify product
+            (
+                IRegistry.ObjectInfo memory productInfo, 
+                IInstance instance
+            ) = _getAndVerifyComponentInfoAndInstance(productNftId, PRODUCT());
+
+            reader = instance.getInstanceReader();
+
+            // calculate net premium
+            netPremiumAmount = IProductComponent(productInfo.objectAddress).calculateNetPremium(
+                sumInsuredAmount,
+                riskId,
+                lifetime,
+                applicationData
+            );
+        }
+
+        {
+            // get configurations for all involed objects
+            ISetup.ProductSetupInfo memory productSetup = reader.getProductSetupInfo(productNftId);
+
+            bytes memory componentData = reader.getComponentInfo(productSetup.poolNftId).data;
+            IComponents.PoolInfo memory poolInfo = abi.decode(componentData, (IComponents.PoolInfo));
+
+            IBundle.BundleInfo memory bundleInfo = reader.getBundleInfo(bundleNftId);
+            if(bundleInfo.poolNftId != productSetup.poolNftId) {
+                revert ErrorIPricingServiceBundlePoolMismatch(bundleNftId, bundleInfo.poolNftId, productSetup.poolNftId);
+            }
+
+            NftId distributionNftId = productSetup.distributionNftId;
+            ISetup.DistributionSetupInfo memory distSetup = reader.getDistributionSetupInfo(distributionNftId);
+
+            // calculate premium, order is important
+            premium = _getFixedFeeAmounts(
+                netPremiumAmount,
+                productSetup,
+                poolInfo,
+                distSetup,
+                bundleInfo
+            );
+
+            premium = _calculateVariableFeeAmounts(
+                premium,
+                productSetup,
+                poolInfo,
+                distSetup,
+                bundleInfo
+            );
+
+            premium = _calculateDistributionOwnerFeeAmount(
+                premium,
+                distSetup,
+                referralId,
+                distributionNftId,
+                reader
+            );
+
+            // sanity check to validate the fee calculation
+            if (premium.distributionOwnerFeeFixAmount < distSetup.minDistributionOwnerFee.fixedFee) {
+                revert ErrorIPricingServiceFeeCalculationMismatch( 
+                    premium.distributionFeeFixAmount,
+                    premium.distributionFeeVarAmount,
+                    premium.distributionOwnerFeeFixAmount,
+                    premium.distributionOwnerFeeVarAmount,
+                    premium.commissionAmount,
+                    premium.discountAmount
+                );
+            }
+
+            if ((premium.distributionFeeVarAmount) != (premium.discountAmount + premium.distributionOwnerFeeVarAmount + premium.commissionAmount)) {
+                revert ErrorIPricingServiceFeeCalculationMismatch(
+                    premium.distributionFeeFixAmount,
+                    premium.distributionFeeVarAmount,
+                    premium.distributionOwnerFeeFixAmount,
+                    premium.distributionOwnerFeeVarAmount,
+                    premium.commissionAmount,
+                    premium.discountAmount
+                );
+            }
+        }
+    }
+
+    // internal functions
+    function _getFixedFeeAmounts(
+        Amount netPremiumAmount,
+        ISetup.ProductSetupInfo memory productInfo,
+        IComponents.PoolInfo memory poolInfo,
+        ISetup.DistributionSetupInfo memory distInfo,
+        IBundle.BundleInfo memory bundleInfo
+    )
+        internal
+        view
+        returns (
+            IPolicy.Premium memory premium
+        )
+    {
+        // initial premium amount is the net premium
+        premium.netPremiumAmount = netPremiumAmount.toInt();
+        premium.fullPremiumAmount = netPremiumAmount.toInt();
+
+        uint256 t = productInfo.productFee.fixedFee;
+        premium.productFeeFixAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = poolInfo.poolFee.fixedFee;
+        premium.poolFeeFixAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = bundleInfo.fee.fixedFee;
+        premium.bundleFeeFixAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = distInfo.distributionFee.fixedFee;
+        premium.distributionFeeFixAmount = t;
+        premium.fullPremiumAmount += t;
+    }
+
+    function _calculateVariableFeeAmounts(
+        IPolicy.Premium memory premium,
+        ISetup.ProductSetupInfo memory productInfo,
+        IComponents.PoolInfo memory poolInfo,
+        ISetup.DistributionSetupInfo memory distInfo,
+        IBundle.BundleInfo memory bundleInfo
+    )
+        internal
+        view
+        returns (
+            IPolicy.Premium memory intermadiatePremium
+        )
+    {
+        UFixed netPremiumAmount = UFixedLib.toUFixed(premium.netPremiumAmount);
+
+        uint256 t = (netPremiumAmount * productInfo.productFee.fractionalFee).toInt();
+        premium.productFeeVarAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = (netPremiumAmount * poolInfo.poolFee.fractionalFee).toInt();
+        premium.poolFeeVarAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = (netPremiumAmount * bundleInfo.fee.fractionalFee).toInt();
+        premium.bundleFeeVarAmount = t;
+        premium.fullPremiumAmount += t;
+
+        t = (netPremiumAmount * distInfo.distributionFee.fractionalFee).toInt();
+        premium.distributionFeeVarAmount = t;
+        premium.fullPremiumAmount += t;
+
+        return premium;
+    }
+
+    function _calculateDistributionOwnerFeeAmount(
+        IPolicy.Premium memory premium,
+        ISetup.DistributionSetupInfo memory distInfo,
+        ReferralId referralId,
+        NftId distributionNftId,
+        InstanceReader reader
+    )
+        internal
+        view 
+        returns (IPolicy.Premium memory finalPremium)
+    {
+        // if the referral is not valid, then the distribution owner gets everything
+        if (! _distributionService.referralIsValid(distributionNftId, referralId)) {
+            premium.distributionOwnerFeeFixAmount = premium.distributionFeeFixAmount;
+            premium.distributionOwnerFeeVarAmount = premium.distributionFeeVarAmount;
+            premium.premiumAmount = premium.fullPremiumAmount;
+            return premium;
+        }
+
+        Fee memory minDistributionOwnerFee = distInfo.minDistributionOwnerFee;
+
+        // if the referral is valid, the the commission and discount are calculated based in the full premium
+        // the remaing amount goes to the distribution owner
+        {
+            IDistribution.ReferralInfo memory referralInfo = reader.getReferralInfo(referralId);
+            IDistribution.DistributorInfo memory distributorInfo = reader.getDistributorInfo(referralInfo.distributorNftId);
+            IDistribution.DistributorTypeInfo memory distributorTypeInfo = reader.getDistributorTypeInfo(distributorInfo.distributorType);
+
+            uint256 commissionAmount = UFixedLib.toUFixed(premium.netPremiumAmount).mul(distributorTypeInfo.commissionPercentage).toInt();
+            premium.commissionAmount = commissionAmount;
+            premium.discountAmount = UFixedLib.toUFixed(premium.fullPremiumAmount).mul(referralInfo.discountPercentage).toInt();
+            premium.distributionOwnerFeeFixAmount = distInfo.minDistributionOwnerFee.fixedFee;
+            premium.distributionOwnerFeeVarAmount = premium.distributionFeeVarAmount - commissionAmount - premium.discountAmount;
+            premium.premiumAmount = premium.fullPremiumAmount - premium.discountAmount;
+        }
+
+        return premium; 
+    }
+}