@fluid-app/fluid-cli-payments 0.0.0-stage → 0.1.0

package/dist/index.mjs.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.mjs","names":[],"sources":["../src/fields.ts","../src/requirements.ts","../src/types.ts","../src/api.ts","../src/mask.ts","../src/assign.ts","../src/summary.ts","../src/walk.ts","../src/index.ts"],"sourcesContent":["// The payments onboarding field schema, as the admin app's form and the\n// onboarding endpoints define it. Requirement rules mirror the admin's\n// `components/Onboarding/utils/validation.ts`, which is what decides whether\n// the form can be submitted; the server only checks types.\n\nexport type Group =\n  | \"info\"\n  | \"underwriting\"\n  | \"entity\"\n  | \"bank\"\n  | \"owner\"\n  | \"country\";\n\nexport type StepId =\n  | \"business-type\"\n  | \"business-info\"\n  | \"legal-entities\"\n  | \"bank-accounts\"\n  | \"personal-info\"\n  | \"relevant-persons\"\n  | \"countries\"\n  | \"underwriting\"\n  | \"terms-and-conditions\";\n\nexport const STEPS: ReadonlyArray<{ id: StepId; name: string }> = [\n  { id: \"business-type\", name: \"The Basics\" },\n  { id: \"business-info\", name: \"Business Info\" },\n  { id: \"legal-entities\", name: \"Legal Entities\" },\n  { id: \"bank-accounts\", name: \"Bank Accounts\" },\n  { id: \"personal-info\", name: \"Personal Info\" },\n  { id: \"relevant-persons\", name: \"Relevant Persons\" },\n  { id: \"countries\", name: \"Countries\" },\n  { id: \"underwriting\", name: \"Underwriting\" },\n  { id: \"terms-and-conditions\", name: \"Terms & Conditions\" },\n];\n\nexport type FieldType =\n  | \"boolean\"\n  | \"string\"\n  | \"text\"\n  | \"yes_no\"\n  | \"date\"\n  | \"email\"\n  | \"url\"\n  | \"phone\"\n  | \"number\"\n  | \"percent\"\n  | \"enum\"\n  | \"country\"\n  | \"currency\"\n  | \"mcc\"\n  | \"business_type\"\n  | \"file\"\n  | \"files\"\n  | \"link_or_file\";\n\nexport type Requirement = \"always\" | \"conditional\" | \"optional\";\n\nexport interface FieldDef {\n  /** The key passed to `--set` or `--file`, e.g. `entity.legal_name`. */\n  key: string;\n  group: Group;\n  type: FieldType;\n  label: string;\n  required: Requirement;\n  /** For conditional fields: when the field becomes required. */\n  when?: string;\n  options?: readonly string[];\n  /** Masked in every output. */\n  sensitive?: boolean;\n  /** Sent as a string, for numeric answers the API stores as text. */\n  sendAsText?: boolean;\n  step: StepId;\n}\n\nconst f = (\n  key: string,\n  type: FieldType,\n  label: string,\n  step: StepId,\n  required: Requirement = \"always\",\n  extra: Partial<FieldDef> = {},\n): FieldDef => ({\n  key,\n  group: key.split(\".\")[0] as Group,\n  type,\n  label,\n  required,\n  step,\n  ...extra,\n});\n\nconst MLM = \"underwriting.company_is_mlm is true\";\nconst HEALTH = \"underwriting.sells_health_supplements is true\";\n\nconst INGREDIENTS = [\n  [\"kratom\", \"Kratom\"],\n  [\"ephedra\", \"Ephedra\"],\n  [\"cannabis\", \"Cannabis\"],\n  [\"cbd\", \"CBD\"],\n  [\"aristolochia\", \"Aristolochia\"],\n  [\"germanium\", \"Germanium\"],\n] as const;\n\nconst DISEASE_CLAIMS = [\n  [\"cancer\", \"cancer\"],\n  [\"impotency\", \"impotency\"],\n  [\"alzheimers\", \"Alzheimer's\"],\n  [\"memory_loss\", \"memory loss\"],\n] as const;\n\nexport const FIELDS: readonly FieldDef[] = [\n  // ---------------------------------------------------------------- basics\n  f(\n    \"info.beneficial_individual_owner\",\n    \"boolean\",\n    \"Does any individual own 25% or more of the business?\",\n    \"business-type\",\n  ),\n  f(\n    \"info.user_is_owner\",\n    \"boolean\",\n    \"Are you one of those owners?\",\n    \"business-type\",\n    \"conditional\",\n    { when: \"info.beneficial_individual_owner is true\" },\n  ),\n  f(\n    \"info.beneficial_business_owner\",\n    \"boolean\",\n    \"Does another business own 25% or more of the business?\",\n    \"business-type\",\n  ),\n  f(\n    \"info.other_legal_entities\",\n    \"boolean\",\n    \"Does the business operate through more than one legal entity?\",\n    \"business-type\",\n  ),\n  f(\n    \"info.user_has_authority\",\n    \"boolean\",\n    \"Are you authorised to act for the business?\",\n    \"business-type\",\n  ),\n  f(\n    \"info.user_is_signatory\",\n    \"boolean\",\n    \"Are you an authorised signatory?\",\n    \"business-type\",\n  ),\n  f(\n    \"info.operates_internationally\",\n    \"boolean\",\n    \"Does the business sell outside its home country?\",\n    \"business-type\",\n    \"optional\",\n  ),\n  f(\n    \"info.business_structure_complexity\",\n    \"enum\",\n    \"Ownership structure\",\n    \"business-type\",\n    \"optional\",\n    { options: [\"simple\", \"complex\"] },\n  ),\n  f(\n    \"underwriting.company_is_mlm\",\n    \"boolean\",\n    \"Is the business a direct-sales (MLM) company? Turns on the MLM questions.\",\n    \"business-type\",\n    \"optional\",\n  ),\n\n  // -------------------------------------------------------------- entities\n  f(\"entity.legal_name\", \"string\", \"Legal company name\", \"business-info\"),\n  f(\n    \"entity.trading_name\",\n    \"string\",\n    \"Trading (DBA) name\",\n    \"business-info\",\n    \"optional\",\n  ),\n  f(\n    \"entity.classification\",\n    \"business_type\",\n    \"Business type, from `options business-types`\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.business_identification_number\",\n    \"string\",\n    \"Business tax ID: EIN in the US, VAT ID in VAT countries\",\n    \"business-info\",\n    \"always\",\n    { sensitive: true },\n  ),\n  f(\n    \"entity.registration_number\",\n    \"string\",\n    \"Business registration number\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.date_of_incorporation\",\n    \"date\",\n    \"Date of incorporation (YYYY-MM-DD)\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.phone\",\n    \"phone\",\n    \"Business phone, at least 8 digits\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.phone_country_code\",\n    \"string\",\n    \"Phone country code, e.g. +1\",\n    \"business-info\",\n    \"optional\",\n  ),\n  f(\n    \"entity.website\",\n    \"url\",\n    \"Website, starting with http:// or https://\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.primary_mcc\",\n    \"mcc\",\n    \"Primary merchant category code, from `options mcc-codes`\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.secondary_mcc\",\n    \"mcc\",\n    \"Secondary merchant category code\",\n    \"business-info\",\n    \"optional\",\n  ),\n  f(\"entity.address1\", \"string\", \"Registered street address\", \"business-info\"),\n  f(\n    \"entity.address2\",\n    \"string\",\n    \"Registered address line 2\",\n    \"business-info\",\n    \"optional\",\n  ),\n  f(\"entity.city\", \"string\", \"Registered city\", \"business-info\"),\n  f(\n    \"entity.province\",\n    \"string\",\n    \"Registered state or province\",\n    \"business-info\",\n  ),\n  f(\"entity.postal_code\", \"string\", \"Registered postal code\", \"business-info\"),\n  f(\n    \"entity.country_iso\",\n    \"country\",\n    \"Registered country (ISO code, e.g. US)\",\n    \"business-info\",\n  ),\n  f(\n    \"entity.business_registration_certificate\",\n    \"file\",\n    \"Business registration certificate\",\n    \"business-info\",\n  ),\n  f(\"entity.business_license\", \"file\", \"Business license\", \"business-info\"),\n  f(\n    \"entity.articles_of_incorporation\",\n    \"file\",\n    \"Articles of incorporation\",\n    \"business-info\",\n  ),\n  f(\"entity.w_9\", \"file\", \"IRS form W-9\", \"business-info\", \"conditional\", {\n    when: \"entity.country_iso is US\",\n  }),\n  f(\n    \"entity.last_3_months_processing_statements\",\n    \"files\",\n    \"Last three months of card processing statements\",\n    \"business-info\",\n    \"optional\",\n  ),\n\n  // --------------------------------------------------------- bank accounts\n  f(\"bank.bank_name\", \"string\", \"Bank name\", \"bank-accounts\"),\n  f(\"bank.holder_name\", \"string\", \"Account holder name\", \"bank-accounts\"),\n  f(\n    \"bank.account_number\",\n    \"string\",\n    \"Account number or IBAN\",\n    \"bank-accounts\",\n    \"always\",\n    { sensitive: true },\n  ),\n  f(\n    \"bank.routing_number\",\n    \"string\",\n    \"Routing number\",\n    \"bank-accounts\",\n    \"conditional\",\n    { when: \"bank.country_iso is US\", sensitive: true },\n  ),\n  f(\n    \"bank.swift_bic\",\n    \"string\",\n    \"SWIFT/BIC code\",\n    \"bank-accounts\",\n    \"conditional\",\n    { when: \"bank.country_iso is not US\" },\n  ),\n  f(\"bank.country_iso\", \"country\", \"Bank country (ISO code)\", \"bank-accounts\"),\n  f(\n    \"bank.currency_iso\",\n    \"currency\",\n    \"Account currency (ISO code, e.g. USD)\",\n    \"bank-accounts\",\n  ),\n  f(\"bank.city\", \"string\", \"Bank city\", \"bank-accounts\"),\n  f(\n    \"bank.entity_id\",\n    \"number\",\n    \"Legal entity the account belongs to (defaults to the primary entity)\",\n    \"bank-accounts\",\n    \"optional\",\n  ),\n  f(\n    \"bank.last_3_months_bank_statements\",\n    \"files\",\n    \"Last three months of bank statements\",\n    \"bank-accounts\",\n  ),\n  f(\n    \"bank.bank_letter_or_voided_check\",\n    \"file\",\n    \"Bank letter or voided check\",\n    \"bank-accounts\",\n  ),\n\n  // ---------------------------------------------------------------- owners\n  f(\"owner.full_name\", \"string\", \"Full legal name\", \"personal-info\"),\n  f(\"owner.work_email\", \"email\", \"Work email\", \"personal-info\"),\n  f(\n    \"owner.date_of_birth\",\n    \"date\",\n    \"Date of birth (YYYY-MM-DD)\",\n    \"personal-info\",\n    \"always\",\n    { sensitive: true },\n  ),\n  f(\"owner.place_of_birth\", \"string\", \"Place of birth\", \"personal-info\"),\n  f(\"owner.nationality\", \"country\", \"Nationality (ISO code)\", \"personal-info\"),\n  f(\n    \"owner.country_iso\",\n    \"country\",\n    \"Country of residence (ISO code)\",\n    \"personal-info\",\n  ),\n  f(\"owner.street_address\", \"string\", \"Home street address\", \"personal-info\"),\n  f(\"owner.city\", \"string\", \"Home city\", \"personal-info\"),\n  f(\"owner.state\", \"string\", \"Home state or province\", \"personal-info\"),\n  f(\"owner.postcode\", \"string\", \"Home postcode\", \"personal-info\"),\n  f(\"owner.phone\", \"phone\", \"Phone\", \"personal-info\"),\n  f(\n    \"owner.identification_number\",\n    \"string\",\n    \"Personal ID number (SSN in the US)\",\n    \"personal-info\",\n    \"always\",\n    { sensitive: true },\n  ),\n  f(\"owner.position\", \"string\", \"Job title\", \"personal-info\"),\n  f(\n    \"owner.native_name\",\n    \"string\",\n    \"Name in native script\",\n    \"personal-info\",\n    \"optional\",\n  ),\n  f(\n    \"owner.is_managing_director\",\n    \"boolean\",\n    \"Managing director\",\n    \"relevant-persons\",\n    \"optional\",\n  ),\n  f(\n    \"owner.is_beneficial_owner\",\n    \"boolean\",\n    \"Owns 25% or more\",\n    \"relevant-persons\",\n    \"optional\",\n  ),\n  f(\n    \"owner.percent_ownership\",\n    \"percent\",\n    \"Ownership percentage, 25 or more for a beneficial owner\",\n    \"relevant-persons\",\n    \"conditional\",\n    { when: \"owner.is_beneficial_owner is true\" },\n  ),\n  f(\n    \"owner.is_authorized_signatory\",\n    \"boolean\",\n    \"Authorised signatory\",\n    \"relevant-persons\",\n    \"optional\",\n  ),\n  f(\n    \"owner.onboarding_contact\",\n    \"boolean\",\n    \"The person filling in the form (one per company)\",\n    \"personal-info\",\n    \"optional\",\n  ),\n  f(\n    \"owner.entity_id\",\n    \"number\",\n    \"Legal entity the person belongs to (defaults to the primary entity)\",\n    \"relevant-persons\",\n    \"optional\",\n  ),\n  f(\n    \"owner.government_issued_ids\",\n    \"files\",\n    \"Government ID: passport photo page, or the front and back of a driver's license or national ID. Pass --id-type.\",\n    \"personal-info\",\n  ),\n  f(\n    \"owner.proof_of_residence\",\n    \"file\",\n    \"Proof of residence, such as a utility bill\",\n    \"personal-info\",\n  ),\n\n  // ------------------------------------------------------------- countries\n  f(\n    \"country.<ISO>.currency\",\n    \"currency\",\n    \"Currency customers pay in for that country\",\n    \"countries\",\n  ),\n  f(\n    \"country.<ISO>.settlement_currency\",\n    \"currency\",\n    \"Currency payouts settle in\",\n    \"countries\",\n  ),\n  f(\n    \"country.<ISO>.entity_id\",\n    \"number\",\n    \"Legal entity that sells in that country (defaults to the primary entity)\",\n    \"countries\",\n  ),\n  f(\n    \"country.<ISO>.entity_legally_registered\",\n    \"boolean\",\n    \"The entity is legally registered to sell there; must be true\",\n    \"countries\",\n  ),\n\n  // ---------------------------------------------------------- underwriting\n  f(\n    \"underwriting.company_description\",\n    \"text\",\n    \"What the company does\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.management_stability\",\n    \"text\",\n    \"How long the management team has been in place\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.uses_third_party_accounting\",\n    \"yes_no\",\n    \"Uses a third-party accounting firm (Yes - firm name / No)\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.financials_audited\",\n    \"boolean\",\n    \"Financial statements are audited (true or false). The six financial statements are required either way.\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.projected_annual_sales_volume\",\n    \"number\",\n    \"Projected annual sales volume\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.average_order_value\",\n    \"number\",\n    \"Average order value\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.cit_share_percentage\",\n    \"percent\",\n    \"% of sales that are one-time purchases (CIT); CIT + MIT = 100\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.mit_share_percentage\",\n    \"percent\",\n    \"% of sales that are subscriptions (MIT); CIT + MIT = 100\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.balance_sheet_year1\",\n    \"file\",\n    \"Balance sheet, most recent year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.balance_sheet_year2\",\n    \"file\",\n    \"Balance sheet, previous year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.income_statement_year1\",\n    \"file\",\n    \"Income statement, most recent year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.income_statement_year2\",\n    \"file\",\n    \"Income statement, previous year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.cash_flow_year1\",\n    \"file\",\n    \"Cash flow statement or P&L, most recent year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.cash_flow_year2\",\n    \"file\",\n    \"Cash flow statement or P&L, previous year\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.has_compliance_officer\",\n    \"yes_no\",\n    \"Has a compliance officer (Yes - name / No)\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.compliance_officer_responsibilities\",\n    \"text\",\n    \"The compliance officer's responsibilities\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.distributor_monitoring_policies\",\n    \"text\",\n    \"How the company monitors its members' activity\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.suspicious_activity_escalation_process\",\n    \"text\",\n    \"How suspicious activity is escalated\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.retains_outside_legal_counsel\",\n    \"yes_no\",\n    \"Retains outside legal counsel (Yes - firm / No)\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.investigations_description\",\n    \"text\",\n    'Past or current regulatory investigations, or \"None\"',\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.negative_media_events\",\n    \"text\",\n    'Negative media coverage, or \"None\"',\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.bbb_rating\",\n    \"string\",\n    'Better Business Bureau rating, or \"N/A\"',\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.trustpilot_rating\",\n    \"string\",\n    'Trustpilot rating, or \"N/A\"',\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.terms_and_conditions\",\n    \"link_or_file\",\n    \"Storefront terms & conditions: a URL (.link) or a file\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.refund_or_return_policy\",\n    \"link_or_file\",\n    \"Refund or return policy: a URL (.link) or a file\",\n    \"underwriting\",\n  ),\n  f(\n    \"underwriting.privacy_policy\",\n    \"link_or_file\",\n    \"Privacy policy: a URL (.link) or a file\",\n    \"underwriting\",\n  ),\n\n  // MLM questions\n  f(\n    \"underwriting.mlm_ownership_structure\",\n    \"text\",\n    \"How the business is owned and controlled\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.mlm_ownership_structure_file\",\n    \"file\",\n    \"Ownership chart\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.commission_payment_method\",\n    \"text\",\n    \"How commissions are paid\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.commission_payment_channels\",\n    \"text\",\n    \"Channels commissions are paid through\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.commission_payment_countries\",\n    \"text\",\n    \"Countries commissions are paid in\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.compensation_plan\",\n    \"files\",\n    \"Compensation plan\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.recruiter_commission_for_recruiting\",\n    \"yes_no\",\n    \"Members earn commission just for recruiting (Yes - details / No)\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.all_distributors_can_profit\",\n    \"yes_no\",\n    \"Every member can profit (Yes / No - details)\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.provides_average_compensation_report\",\n    \"yes_no\",\n    \"Publishes an average compensation report (Yes / No)\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.income_disclosure_statement\",\n    \"link_or_file\",\n    \"Income disclosure statement\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_identification_requirements\",\n    \"text\",\n    \"How members are identified at sign-up\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_pii_collected\",\n    \"text\",\n    \"Personal data collected from members\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_due_diligence\",\n    \"text\",\n    \"Due diligence on new members\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_country_restrictions\",\n    \"text\",\n    \"Countries members may not operate in\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_decline_termination_reasons\",\n    \"text\",\n    \"Reasons a member is declined or terminated\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_cross_border_sales\",\n    \"yes_no\",\n    \"Members may sell internationally (Yes - details / No)\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_training_description\",\n    \"text\",\n    \"Training given to members\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_policies\",\n    \"link_or_file\",\n    \"Member policies and procedures\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.sample_distributor_agreement\",\n    \"link_or_file\",\n    \"Sample member agreement\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.business_opportunity_disclosures\",\n    \"link_or_file\",\n    \"Business opportunity disclosures\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.fulfillment_agreement\",\n    \"link_or_file\",\n    \"Fulfillment agreement\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.manufacturing_agreement\",\n    \"link_or_file\",\n    \"Manufacturing agreement\",\n    \"underwriting\",\n    \"conditional\",\n    { when: MLM },\n  ),\n  f(\n    \"underwriting.distributor_retention_turnover_rates\",\n    \"text\",\n    \"Member retention and turnover rates\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.owners_principals_list\",\n    \"text\",\n    \"Owners and principals\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.product_service_description\",\n    \"text\",\n    \"Products and services sold\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.revenue_from_recruiting_percentage\",\n    \"percent\",\n    \"% of revenue from recruiting\",\n    \"underwriting\",\n    \"optional\",\n    { sendAsText: true },\n  ),\n  f(\n    \"underwriting.revenue_from_website_percentage\",\n    \"percent\",\n    \"% of revenue from the website\",\n    \"underwriting\",\n    \"optional\",\n    { sendAsText: true },\n  ),\n  f(\n    \"underwriting.retail_sales_outside_downline_percentage\",\n    \"percent\",\n    \"% of retail sales to people outside the downline\",\n    \"underwriting\",\n    \"optional\",\n    { sendAsText: true },\n  ),\n  f(\n    \"underwriting.compliance_monitoring_processes\",\n    \"text\",\n    \"Compliance monitoring processes\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.signup_fees_description\",\n    \"text\",\n    \"Sign-up fees\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.training_types_description\",\n    \"text\",\n    \"Types of training offered\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.purchase_requirements_description\",\n    \"text\",\n    \"Purchase requirements for members\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.ftc_compliance_description\",\n    \"text\",\n    \"How the company complies with FTC guidance\",\n    \"underwriting\",\n    \"optional\",\n  ),\n\n  // Health products\n  f(\n    \"underwriting.sells_health_supplements\",\n    \"boolean\",\n    \"Sells health products or supplements. Turns on the health questions.\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  f(\n    \"underwriting.is_product_manufacturer\",\n    \"yes_no\",\n    \"Manufactures its own products (Yes / No - manufacturer)\",\n    \"underwriting\",\n    \"conditional\",\n    { when: HEALTH },\n  ),\n  f(\n    \"underwriting.marketing_methods_description\",\n    \"text\",\n    \"How the products are marketed\",\n    \"underwriting\",\n    \"conditional\",\n    { when: HEALTH },\n  ),\n  f(\n    \"underwriting.cancellation_methods_description\",\n    \"text\",\n    \"How customers cancel subscriptions\",\n    \"underwriting\",\n    \"conditional\",\n    { when: HEALTH },\n  ),\n  f(\n    \"underwriting.scientific_studies_description\",\n    \"text\",\n    \"Scientific studies or evidence behind the products\",\n    \"underwriting\",\n    \"conditional\",\n    { when: HEALTH },\n  ),\n  f(\n    \"underwriting.health_product_lawsuit_history\",\n    \"text\",\n    'Lawsuits or investigations about the products, or \"None\"',\n    \"underwriting\",\n    \"conditional\",\n    { when: HEALTH },\n  ),\n  ...INGREDIENTS.flatMap(([id, label]) => [\n    f(\n      `underwriting.contains_${id}`,\n      \"boolean\",\n      `A product contains ${label}`,\n      \"underwriting\",\n      \"optional\",\n    ),\n    f(\n      `underwriting.${id}_product_names`,\n      \"text\",\n      `Products containing ${label}`,\n      \"underwriting\",\n      \"conditional\",\n      { when: `underwriting.contains_${id} is true` },\n    ),\n  ]),\n  f(\n    \"underwriting.contains_none_listed\",\n    \"boolean\",\n    \"No product contains any listed ingredient. With health products, one contains_* must be true.\",\n    \"underwriting\",\n    \"optional\",\n  ),\n  ...DISEASE_CLAIMS.flatMap(([id, label]) => [\n    f(\n      `underwriting.claims_${id}_treatment`,\n      \"boolean\",\n      `A product claims to treat ${label}`,\n      \"underwriting\",\n      \"optional\",\n    ),\n    f(\n      `underwriting.${id}_treatment_products`,\n      \"text\",\n      `Products claiming to treat ${label}`,\n      \"underwriting\",\n      \"conditional\",\n      { when: `underwriting.claims_${id}_treatment is true` },\n    ),\n  ]),\n  f(\n    \"underwriting.claims_no_diseases\",\n    \"boolean\",\n    \"No product claims to treat a disease. With health products, one claims_* must be true.\",\n    \"underwriting\",\n    \"optional\",\n  ),\n];\n\nexport const INGREDIENT_IDS = INGREDIENTS.map(([id, label]) => ({ id, label }));\nexport const DISEASE_CLAIM_IDS = DISEASE_CLAIMS.map(([id, label]) => ({\n  id,\n  label,\n}));\n\nexport const ID_TYPES = [\"passport\", \"license\", \"national_id\"] as const;\nexport type IdType = (typeof ID_TYPES)[number];\n\n/** Document uploads are refused above this size. */\nexport const MAX_UPLOAD_BYTES = 10 * 1024 * 1024;\n\nconst BY_KEY = new Map(FIELDS.map((field) => [field.key, field]));\n\n/** The definition for a `--set`/`--file` key, normalising a country key\n *  like `country.us.currency` to its `country.<ISO>.currency` entry. */\nexport function fieldFor(key: string): FieldDef | undefined {\n  const country = /^country\\.([A-Za-z]{2})\\.(\\w+)$/.exec(key);\n  if (country) return BY_KEY.get(`country.<ISO>.${country[2]}`);\n  return BY_KEY.get(key);\n}\n\nexport function isSensitive(key: string): boolean {\n  return fieldFor(key)?.sensitive === true;\n}\n\n/** Strip the group prefix: `entity.legal_name` -> `legal_name`. */\nexport function attributeOf(key: string): string {\n  return key.slice(key.indexOf(\".\") + 1);\n}\n","// What still stands between a company and submitting its payments\n// onboarding. Ported from the admin app's validation\n// (`components/Onboarding/utils/validation.ts`), which is what blocks the\n// \"Accept and Continue\" button; the API itself only checks types.\n\nimport {\n  DISEASE_CLAIM_IDS,\n  fieldFor,\n  INGREDIENT_IDS,\n  STEPS,\n  type StepId,\n} from \"./fields.js\";\nimport type {\n  BankAccount,\n  Entity,\n  FileRef,\n  Owner,\n  Snapshot,\n  UnderwritingInfo,\n} from \"./types.js\";\n\nexport interface Target {\n  entity?: number;\n  bank?: number;\n  owner?: number;\n}\n\nexport interface Missing {\n  step: StepId;\n  /** The `--set`/`--file` key that fixes it. */\n  field: string;\n  message: string;\n  /** Which record the field belongs to; absent when the record doesn't\n   *  exist yet and `set` will create it. */\n  target?: Target;\n  /** A ready-made fragment for `fluid payments onboarding set`. */\n  fix: string;\n}\n\nexport interface StepReport {\n  id: StepId;\n  name: string;\n  complete: boolean;\n  missing: number;\n}\n\n/** The server's step keys. Submission means all of these are 100 and the\n *  terms are agreed (`PaymentsStatus::IndexAction#onboarding_completed?`). */\nexport const SERVER_STEP_KEYS = [\n  \"basic_info\",\n  \"business_info\",\n  \"legal_entities\",\n  \"bank_accounts_i\",\n  \"bank_accounts_ii\",\n  \"personal_info\",\n  \"relevant_persons\",\n  \"countries\",\n  \"underwriting\",\n] as const;\n\nconst filled = (value: unknown): boolean =>\n  typeof value === \"string\"\n    ? value.trim() !== \"\"\n    : value !== null && value !== undefined && value !== false;\n\nconst hasFiles = (value: unknown): boolean =>\n  Array.isArray(value) && value.length > 0;\n\nfunction targetFlag(target?: Target): string {\n  if (!target) return \"\";\n  if (target.entity !== undefined) return `--entity ${target.entity} `;\n  if (target.bank !== undefined) return `--bank ${target.bank} `;\n  if (target.owner !== undefined) return `--owner ${target.owner} `;\n  return \"\";\n}\n\nfunction fixFor(field: string, target?: Target): string {\n  const type = fieldFor(field)?.type;\n  const prefix = targetFlag(target);\n  if (type === \"file\" || type === \"files\") {\n    const idType =\n      field === \"owner.government_issued_ids\"\n        ? \" --id-type <passport|license|national_id>\"\n        : \"\";\n    return `${prefix}--file ${field}=<path>${idType}`;\n  }\n  if (type === \"link_or_file\") {\n    return `${prefix}--set ${field}.link=<url>  (or --file ${field}=<path>)`;\n  }\n  return `${prefix}--set ${field}=<value>`;\n}\n\nclass Collector {\n  readonly items: Missing[] = [];\n\n  add(step: StepId, field: string, message: string, target?: Target): void {\n    const key = `${step}|${field}|${JSON.stringify(target ?? {})}`;\n    if (\n      this.items.some(\n        (m) => `${m.step}|${m.field}|${JSON.stringify(m.target ?? {})}` === key,\n      )\n    )\n      return;\n    this.items.push({\n      step,\n      field,\n      message,\n      ...(target ? { target } : {}),\n      fix: fixFor(field, target),\n    });\n  }\n}\n\nconst VAT_COUNTRIES = new Set([\n  \"GB\",\n  \"DE\",\n  \"FR\",\n  \"IT\",\n  \"ES\",\n  \"NL\",\n  \"BE\",\n  \"AT\",\n  \"SE\",\n  \"DK\",\n  \"FI\",\n  \"NO\",\n  \"CH\",\n  \"PL\",\n  \"CZ\",\n  \"HU\",\n  \"RO\",\n  \"BG\",\n  \"HR\",\n  \"SI\",\n  \"SK\",\n  \"EE\",\n  \"LV\",\n  \"LT\",\n  \"MT\",\n  \"CY\",\n  \"LU\",\n  \"IE\",\n  \"PT\",\n  \"GR\",\n]);\n\nexport function primaryEntity(entities: readonly Entity[]): Entity | undefined {\n  return entities.find((e) => e.primary === true) ?? entities[0];\n}\n\nexport function onboardingContact(owners: readonly Owner[]): Owner | undefined {\n  return owners.find((o) => o.onboarding_contact === true);\n}\n\nexport function primaryBankAccount(\n  snapshot: Pick<Snapshot, \"entities\" | \"bankAccounts\">,\n): BankAccount | undefined {\n  const explicit = snapshot.bankAccounts.find((a) => a.primary === true);\n  if (explicit) return explicit;\n  const entity = primaryEntity(snapshot.entities);\n  return entity\n    ? snapshot.bankAccounts.find((a) => a.entity_id === entity.id)\n    : undefined;\n}\n\nfunction entityCountry(entity: Partial<Entity>): string {\n  return String(\n    entity.country_iso || entity.registered_address?.[\"country_code\"] || \"\",\n  ).toUpperCase();\n}\n\nfunction checkEntity(\n  c: Collector,\n  step: StepId,\n  entity: Partial<Entity>,\n  target?: Target,\n): void {\n  const value = (attr: string) => entity[attr];\n  const nested: Record<string, string> = {\n    province: \"state\",\n    country_iso: \"country_code\",\n  };\n  const address = (attr: string) =>\n    filled(value(attr))\n      ? value(attr)\n      : entity.registered_address?.[nested[attr] ?? attr];\n\n  const required: Array<[string, string]> = [\n    [\"legal_name\", \"Legal company name is required\"],\n    [\"classification\", \"Business type is required\"],\n    [\"registration_number\", \"Business registration number is required\"],\n    [\"date_of_incorporation\", \"Date of incorporation is required\"],\n    [\"phone\", \"Phone number is required\"],\n    [\"website\", \"Website is required\"],\n    [\"primary_mcc\", \"Primary MCC is required\"],\n  ];\n  for (const [attr, message] of required) {\n    if (!filled(value(attr))) c.add(step, `entity.${attr}`, message, target);\n  }\n  const addressFields: Array<[string, string]> = [\n    [\"address1\", \"Street address is required\"],\n    [\"city\", \"City is required\"],\n    [\"province\", \"State/Province is required\"],\n    [\"postal_code\", \"Postal code is required\"],\n    [\"country_iso\", \"Country is required\"],\n  ];\n  for (const [attr, message] of addressFields) {\n    if (!filled(address(attr))) c.add(step, `entity.${attr}`, message, target);\n  }\n\n  const country = entityCountry(entity);\n  if (!filled(value(\"business_identification_number\"))) {\n    c.add(\n      step,\n      \"entity.business_identification_number\",\n      country === \"US\"\n        ? \"Employer Identification Number (EIN) is required\"\n        : VAT_COUNTRIES.has(country)\n          ? \"VAT ID is required\"\n          : \"Business tax ID is required\",\n      target,\n    );\n  }\n  const files: Array<[string, string]> = [\n    [\n      \"business_registration_certificate\",\n      \"Business registration certificate is required\",\n    ],\n    [\"business_license\", \"Business license is required\"],\n    [\"articles_of_incorporation\", \"Articles of incorporation is required\"],\n  ];\n  if (country === \"US\") files.push([\"w_9\", \"W-9 is required for US entities\"]);\n  for (const [base, message] of files) {\n    if (!filled(value(`${base}_file_url`)))\n      c.add(step, `entity.${base}`, message, target);\n  }\n\n  const website = String(value(\"website\") ?? \"\").trim();\n  if (website && !/^https?:\\/\\//.test(website)) {\n    c.add(\n      step,\n      \"entity.website\",\n      \"Website must start with http:// or https://\",\n      target,\n    );\n  }\n  const phone = String(value(\"phone\") ?? \"\").trim();\n  if (phone && !/^[\\d\\s\\-+()]{8,}$/.test(phone)) {\n    c.add(\n      step,\n      \"entity.phone\",\n      \"Phone number must have at least 8 digits\",\n      target,\n    );\n  }\n}\n\nfunction checkBank(\n  c: Collector,\n  account: Partial<BankAccount>,\n  target?: Target,\n): void {\n  const step: StepId = \"bank-accounts\";\n  const required: Array<[string, string]> = [\n    [\"bank_name\", \"Bank name is required\"],\n    [\"holder_name\", \"Account holder name is required\"],\n    [\"account_number\", \"Account number is required\"],\n    [\"country_iso\", \"Bank country is required\"],\n    [\"currency_iso\", \"Currency is required\"],\n    [\"city\", \"Bank city is required\"],\n  ];\n  for (const [attr, message] of required) {\n    if (!filled(account[attr])) c.add(step, `bank.${attr}`, message, target);\n  }\n  if (!filled(account[\"bank_letter_or_voided_check_file_url\"])) {\n    c.add(\n      step,\n      \"bank.bank_letter_or_voided_check\",\n      \"Bank letter or voided check is required\",\n      target,\n    );\n  }\n  const country = String(account.country_iso ?? \"\").toUpperCase();\n  if (country === \"US\") {\n    if (!filled(account[\"routing_number\"]))\n      c.add(\n        step,\n        \"bank.routing_number\",\n        \"Routing number is required for US accounts\",\n        target,\n      );\n  } else if (country) {\n    if (!filled(account[\"swift_bic\"]))\n      c.add(\n        step,\n        \"bank.swift_bic\",\n        \"SWIFT/BIC is required outside the US\",\n        target,\n      );\n  } else {\n    c.add(\n      step,\n      \"bank.routing_number\",\n      \"Routing number (US) or SWIFT/BIC (elsewhere) is required once the country is set\",\n      target,\n    );\n  }\n  const statements =\n    filled(account[\"last_3_months_bank_statements_file_url\"]) ||\n    hasFiles(account.last_3_months_bank_statements);\n  if (!statements)\n    c.add(\n      step,\n      \"bank.last_3_months_bank_statements\",\n      \"Last 3 months of bank statements are required\",\n      target,\n    );\n}\n\nfunction checkOwner(\n  c: Collector,\n  step: StepId,\n  owner: Partial<Owner>,\n  target?: Target,\n): void {\n  const required: Array<[string, string]> = [\n    [\"full_name\", \"Full name is required\"],\n    [\"work_email\", \"Work email is required\"],\n    [\"date_of_birth\", \"Date of birth is required\"],\n    [\"place_of_birth\", \"Place of birth is required\"],\n    [\"nationality\", \"Nationality is required\"],\n    [\"country_iso\", \"Country of residence is required\"],\n    [\"street_address\", \"Street address is required\"],\n    [\"city\", \"City is required\"],\n    [\"state\", \"State/Province is required\"],\n    [\"postcode\", \"Postcode is required\"],\n    [\"phone\", \"Phone number is required\"],\n    [\"identification_number\", \"Identification number is required\"],\n    [\"position\", \"Job title is required\"],\n  ];\n  for (const [attr, message] of required) {\n    if (!filled(owner[attr])) c.add(step, `owner.${attr}`, message, target);\n  }\n  const email = String(owner[\"work_email\"] ?? \"\").trim();\n  if (email && !/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$/.test(email)) {\n    c.add(\n      step,\n      \"owner.work_email\",\n      \"Work email is not a valid address\",\n      target,\n    );\n  }\n\n  const ids: FileRef[] = Array.isArray(owner.government_issued_ids)\n    ? owner.government_issued_ids\n    : [];\n  if (ids.length === 0) {\n    c.add(\n      step,\n      \"owner.government_issued_ids\",\n      \"Government-issued ID is required\",\n      target,\n    );\n  } else {\n    const type = ids[0]?.file_type;\n    if ((type === \"license\" || type === \"national_id\") && ids.length === 1) {\n      c.add(\n        step,\n        \"owner.government_issued_ids\",\n        `Upload both the front and back of the ${type === \"license\" ? \"driver's license\" : \"national ID\"}`,\n        target,\n      );\n    }\n  }\n  if (!filled(owner[\"proof_of_residence_file_url\"])) {\n    c.add(\n      step,\n      \"owner.proof_of_residence\",\n      \"Proof of residence is required\",\n      target,\n    );\n  }\n\n  if (owner.is_beneficial_owner === true) {\n    const raw = String(owner.percent_ownership ?? \"\").trim();\n    const pct = raw === \"\" ? Number.NaN : Number.parseFloat(raw);\n    if (raw === \"\") {\n      c.add(\n        step,\n        \"owner.percent_ownership\",\n        \"Ownership percentage is required for a beneficial owner\",\n        target,\n      );\n    } else if (Number.isNaN(pct) || pct < 25 || pct > 100) {\n      c.add(\n        step,\n        \"owner.percent_ownership\",\n        \"A beneficial owner must own between 25% and 100%\",\n        target,\n      );\n    }\n  }\n}\n\nconst POLICY_FIELDS = [\n  \"terms_and_conditions\",\n  \"refund_or_return_policy\",\n  \"privacy_policy\",\n] as const;\nconst MLM_DOCUMENTS = [\n  \"distributor_policies\",\n  \"sample_distributor_agreement\",\n  \"business_opportunity_disclosures\",\n  \"income_disclosure_statement\",\n  \"fulfillment_agreement\",\n  \"manufacturing_agreement\",\n] as const;\nconst ALWAYS_TEXT = [\n  \"company_description\",\n  \"management_stability\",\n  \"uses_third_party_accounting\",\n  \"has_compliance_officer\",\n  \"compliance_officer_responsibilities\",\n  \"distributor_monitoring_policies\",\n  \"suspicious_activity_escalation_process\",\n  \"retains_outside_legal_counsel\",\n  \"investigations_description\",\n  \"negative_media_events\",\n  \"bbb_rating\",\n  \"trustpilot_rating\",\n  \"projected_annual_sales_volume\",\n  \"average_order_value\",\n] as const;\nconst MLM_TEXT = [\n  \"mlm_ownership_structure\",\n  \"commission_payment_method\",\n  \"commission_payment_channels\",\n  \"commission_payment_countries\",\n  \"recruiter_commission_for_recruiting\",\n  \"all_distributors_can_profit\",\n  \"provides_average_compensation_report\",\n  \"distributor_identification_requirements\",\n  \"distributor_pii_collected\",\n  \"distributor_due_diligence\",\n  \"distributor_country_restrictions\",\n  \"distributor_decline_termination_reasons\",\n  \"distributor_cross_border_sales\",\n  \"distributor_training_description\",\n] as const;\nconst HEALTH_TEXT = [\n  \"is_product_manufacturer\",\n  \"marketing_methods_description\",\n  \"cancellation_methods_description\",\n  \"scientific_studies_description\",\n  \"health_product_lawsuit_history\",\n] as const;\nconst FINANCIAL_FILES = [\n  \"balance_sheet_year1\",\n  \"balance_sheet_year2\",\n  \"income_statement_year1\",\n  \"income_statement_year2\",\n  \"cash_flow_year1\",\n  \"cash_flow_year2\",\n] as const;\n\nfunction linkOrFile(u: UnderwritingInfo, field: string): boolean {\n  const obj = (u[field] ?? {}) as FileRef;\n  return (\n    filled(obj.link) || filled(obj.file_url) || filled(u[`${field}_file_url`])\n  );\n}\n\nfunction checkUnderwriting(c: Collector, u: UnderwritingInfo): void {\n  const step: StepId = \"underwriting\";\n  const isMlm = u[\"company_is_mlm\"] === true;\n  const add = (attr: string, message = \"This field is required\") =>\n    c.add(step, `underwriting.${attr}`, message);\n\n  for (const attr of ALWAYS_TEXT) if (!filled(u[attr])) add(attr);\n  if (typeof u[\"financials_audited\"] !== \"boolean\") add(\"financials_audited\");\n  for (const base of FINANCIAL_FILES)\n    if (!filled(u[`${base}_file_url`])) add(base);\n\n  const cit = String(u[\"cit_share_percentage\"] ?? \"\").trim();\n  const mit = String(u[\"mit_share_percentage\"] ?? \"\").trim();\n  if (!cit)\n    add(\"cit_share_percentage\", \"% one-time purchases (CIT) is required\");\n  if (!mit) add(\"mit_share_percentage\", \"% subscriptions (MIT) is required\");\n  if (cit && mit) {\n    const citN = Number.parseFloat(cit);\n    const mitN = Number.parseFloat(mit);\n    if (Number.isNaN(citN) || citN < 0 || citN > 100)\n      add(\"cit_share_percentage\", \"CIT must be between 0 and 100\");\n    if (Number.isNaN(mitN) || mitN < 0 || mitN > 100)\n      add(\"mit_share_percentage\", \"MIT must be between 0 and 100\");\n    if (\n      !Number.isNaN(citN) &&\n      !Number.isNaN(mitN) &&\n      Math.abs(citN + mitN - 100) > 0.01\n    ) {\n      add(\"cit_share_percentage\", \"CIT and MIT must total 100\");\n    }\n  }\n\n  for (const field of POLICY_FIELDS) {\n    if (!linkOrFile(u, field))\n      add(field, \"A URL or an uploaded file is required\");\n  }\n\n  if (isMlm) {\n    for (const attr of MLM_TEXT) if (!filled(u[attr])) add(attr);\n    if (!filled(u[\"mlm_ownership_structure_file_url\"]))\n      add(\"mlm_ownership_structure_file\", \"An ownership chart is required\");\n    for (const field of MLM_DOCUMENTS) {\n      if (!linkOrFile(u, field))\n        add(field, \"A URL or an uploaded file is required\");\n    }\n    if (\n      !hasFiles(u[\"compensation_plan\"]) &&\n      !filled(u[\"compensation_plan_file_url\"])\n    ) {\n      add(\"compensation_plan\", \"Compensation plan is required\");\n    }\n    for (const attr of [\n      \"revenue_from_recruiting_percentage\",\n      \"revenue_from_website_percentage\",\n      \"retail_sales_outside_downline_percentage\",\n    ]) {\n      const raw = String(u[attr] ?? \"\").trim();\n      if (raw) {\n        const n = Number.parseFloat(raw);\n        if (Number.isNaN(n) || n < 0 || n > 100)\n          add(attr, \"Must be a number between 0 and 100\");\n      }\n    }\n  }\n\n  if (u[\"sells_health_supplements\"] === true) {\n    for (const attr of HEALTH_TEXT) if (!filled(u[attr])) add(attr);\n    const anyIngredient =\n      INGREDIENT_IDS.some(({ id }) => u[`contains_${id}`] === true) ||\n      u[\"contains_none_listed\"] === true;\n    if (!anyIngredient)\n      add(\n        \"contains_none_listed\",\n        \"Set one contains_* field, or contains_none_listed=true\",\n      );\n    for (const { id, label } of INGREDIENT_IDS) {\n      if (u[`contains_${id}`] === true && !filled(u[`${id}_product_names`])) {\n        add(`${id}_product_names`, `List the products containing ${label}`);\n      }\n    }\n    const anyClaim =\n      DISEASE_CLAIM_IDS.some(\n        ({ id }) => u[`claims_${id}_treatment`] === true,\n      ) || u[\"claims_no_diseases\"] === true;\n    if (!anyClaim)\n      add(\n        \"claims_no_diseases\",\n        \"Set one claims_* field, or claims_no_diseases=true\",\n      );\n    for (const { id, label } of DISEASE_CLAIM_IDS) {\n      if (\n        u[`claims_${id}_treatment`] === true &&\n        !filled(u[`${id}_treatment_products`])\n      ) {\n        add(\n          `${id}_treatment_products`,\n          `List the products claiming to treat ${label}`,\n        );\n      }\n    }\n  }\n}\n\n/** Every required field still missing, in form order. */\nexport function missingFields(\n  snapshot: Omit<Snapshot, \"companyId\" | \"version\">,\n): Missing[] {\n  const c = new Collector();\n  const info = snapshot.info ?? {};\n\n  // The Basics\n  for (const key of [\n    \"beneficial_individual_owner\",\n    \"beneficial_business_owner\",\n    \"other_legal_entities\",\n    \"user_has_authority\",\n    \"user_is_signatory\",\n  ]) {\n    if (typeof info[key] !== \"boolean\")\n      c.add(\"business-type\", `info.${key}`, \"Answer true or false\");\n  }\n  if (\n    info.beneficial_individual_owner === true &&\n    typeof info.user_is_owner !== \"boolean\"\n  ) {\n    c.add(\"business-type\", \"info.user_is_owner\", \"Answer true or false\");\n  }\n\n  // Business info: the primary entity. Legal entities: every other one.\n  const primary = primaryEntity(snapshot.entities);\n  checkEntity(\n    c,\n    \"business-info\",\n    primary ?? {},\n    primary ? { entity: primary.id } : undefined,\n  );\n  for (const entity of snapshot.entities) {\n    if (entity !== primary)\n      checkEntity(c, \"legal-entities\", entity, { entity: entity.id });\n  }\n\n  // Bank accounts: the primary entity needs one; every account must be complete.\n  const primaryAccount = primaryBankAccount(snapshot);\n  checkBank(\n    c,\n    primaryAccount ?? {},\n    primaryAccount ? { bank: primaryAccount.id } : undefined,\n  );\n  for (const account of snapshot.bankAccounts) {\n    if (account !== primaryAccount) checkBank(c, account, { bank: account.id });\n  }\n\n  // Personal info: the person filling in the form. Relevant persons: everyone else.\n  const contact = onboardingContact(snapshot.owners);\n  checkOwner(\n    c,\n    \"personal-info\",\n    contact ?? {},\n    contact ? { owner: contact.id } : undefined,\n  );\n  for (const owner of snapshot.owners) {\n    if (owner !== contact)\n      checkOwner(c, \"relevant-persons\", owner, { owner: owner.id });\n  }\n\n  // Countries\n  const countries = info.countries_info ?? [];\n  const entityIds = new Set(snapshot.entities.map((e) => e.id));\n  if (countries.length === 0) {\n    c.add(\n      \"countries\",\n      \"country.<ISO>.currency\",\n      \"Add at least one country the company sells in\",\n    );\n  }\n  for (const entry of countries) {\n    const iso = entry.country_iso;\n    if (!filled(entry.currency))\n      c.add(\"countries\", `country.${iso}.currency`, \"Currency is required\");\n    if (!filled(entry.settlement_currency))\n      c.add(\n        \"countries\",\n        `country.${iso}.settlement_currency`,\n        \"Settlement currency is required\",\n      );\n    if (!entry.entity_id || !entityIds.has(entry.entity_id))\n      c.add(\n        \"countries\",\n        `country.${iso}.entity_id`,\n        \"Choose the legal entity that sells there\",\n      );\n    if (entry.entity_legally_registered !== true) {\n      c.add(\n        \"countries\",\n        `country.${iso}.entity_legally_registered`,\n        \"Confirm the entity is legally registered there (true)\",\n      );\n    }\n  }\n\n  checkUnderwriting(c, (info.underwriting_info ?? {}) as UnderwritingInfo);\n  return c.items;\n}\n\nexport function termsAgreed(snapshot: Pick<Snapshot, \"info\">): boolean {\n  return (\n    snapshot.info.terms_and_conditions_info?.terms_and_conditions_agreed ===\n    true\n  );\n}\n\n/** Same rule the server uses to call the form submitted. */\nexport function isSubmitted(snapshot: Pick<Snapshot, \"info\">): boolean {\n  if (!termsAgreed(snapshot)) return false;\n  const steps = snapshot.info.onboarding_steps ?? {};\n  return SERVER_STEP_KEYS.every((key) => Number(steps[key]) === 100);\n}\n\nexport type OnboardingStatus = \"not_started\" | \"in_progress\" | \"submitted\";\n\nexport function statusOf(\n  snapshot: Omit<Snapshot, \"companyId\" | \"version\">,\n): OnboardingStatus {\n  if (isSubmitted(snapshot)) return \"submitted\";\n  const info = snapshot.info;\n  const started =\n    snapshot.entities.length > 0 ||\n    snapshot.bankAccounts.length > 0 ||\n    snapshot.owners.length > 0 ||\n    typeof info.beneficial_individual_owner === \"boolean\" ||\n    Object.keys(info.underwriting_info ?? {}).length > 0;\n  return started ? \"in_progress\" : \"not_started\";\n}\n\nexport function stepReports(\n  snapshot: Omit<Snapshot, \"companyId\" | \"version\">,\n  missing: readonly Missing[],\n): StepReport[] {\n  return STEPS.map((step) => {\n    const count =\n      step.id === \"terms-and-conditions\"\n        ? termsAgreed(snapshot)\n          ? 0\n          : 1\n        : missing.filter((m) => m.step === step.id).length;\n    return {\n      id: step.id,\n      name: step.name,\n      complete: count === 0,\n      missing: count,\n    };\n  });\n}\n","// Wire shapes of the onboarding endpoints, kept to the fields the plugin reads.\n\nexport class OnboardingError extends Error {\n  constructor(\n    message: string,\n    readonly details?: unknown,\n  ) {\n    super(message);\n    this.name = \"OnboardingError\";\n  }\n}\n\nexport interface FileRef {\n  file_url?: string | null;\n  file_name?: string | null;\n  file_type?: string | null;\n  link?: string | null;\n}\n\nexport type UnderwritingInfo = Record<string, unknown>;\n\nexport interface CountryInfo {\n  entity_id: number;\n  currency: string;\n  settlement_currency: string;\n  entity_legally_registered: boolean;\n  country_id: number;\n  country_iso: string;\n}\n\nexport interface OnboardingInfo {\n  beneficial_individual_owner?: boolean | null;\n  user_is_owner?: boolean | null;\n  beneficial_business_owner?: boolean | null;\n  other_legal_entities?: boolean | null;\n  user_has_authority?: boolean | null;\n  user_is_signatory?: boolean | null;\n  onboarding_steps?: Record<string, number> | null;\n  underwriting_info?: UnderwritingInfo | null;\n  terms_and_conditions_info?: {\n    terms_and_conditions_agreed?: boolean | null;\n    terms_and_conditions_agreed_at?: string | null;\n    terms_and_condition_signer_name?: string | null;\n    terms_and_condition_signer_email?: string | null;\n  } | null;\n  countries_info?: CountryInfo[] | null;\n  [key: string]: unknown;\n}\n\nexport interface Entity {\n  id: number;\n  legal_name?: string | null;\n  primary?: boolean | null;\n  status?: string | null;\n  country_iso?: string | null;\n  registered_address?: Record<string, string | null> | null;\n  [key: string]: unknown;\n}\n\nexport interface BankAccount {\n  id: number;\n  entity_id: number;\n  primary?: boolean | null;\n  country_iso?: string | null;\n  last_3_months_bank_statements?: FileRef[] | null;\n  [key: string]: unknown;\n}\n\nexport interface Owner {\n  id: number;\n  entity_id?: number | null;\n  full_name?: string | null;\n  onboarding_contact?: boolean | null;\n  is_beneficial_owner?: boolean | null;\n  percent_ownership?: string | number | null;\n  government_issued_ids?: FileRef[] | null;\n  [key: string]: unknown;\n}\n\n/** Everything the onboarding form is built from. */\nexport interface Snapshot {\n  companyId: number;\n  info: OnboardingInfo;\n  /** Sent back on a save so a concurrent edit answers 409 instead of being\n   *  overwritten. Null on servers that predate it. */\n  version: number | null;\n  entities: Entity[];\n  bankAccounts: BankAccount[];\n  owners: Owner[];\n}\n","// Calls to the onboarding endpoints the admin app's /settings/onboarding\n// form uses (`/api/companies/:company_id/...`).\n\nimport { readFile } from \"node:fs/promises\";\nimport { basename, extname } from \"node:path\";\n\nimport type { Plan } from \"./assign.js\";\nimport { attributeOf, MAX_UPLOAD_BYTES, type IdType } from \"./fields.js\";\nimport {\n  isSubmitted,\n  missingFields,\n  onboardingContact,\n  primaryBankAccount,\n  primaryEntity,\n  SERVER_STEP_KEYS,\n} from \"./requirements.js\";\nimport {\n  OnboardingError,\n  type BankAccount,\n  type CountryInfo,\n  type Entity,\n  type FileRef,\n  type OnboardingInfo,\n  type Owner,\n  type Snapshot,\n} from \"./types.js\";\n\n/** The slice of the CLI's API client these calls use. */\nexport interface OnboardingClient {\n  get<T>(endpoint: string, params?: Record<string, unknown>): Promise<T>;\n  post<T>(endpoint: string, body?: unknown): Promise<T>;\n  put<T>(endpoint: string, body?: unknown): Promise<T>;\n  delete<T>(endpoint: string): Promise<T>;\n  requestWithFormData<T>(\n    endpoint: string,\n    formData: FormData,\n    options?: { method?: \"POST\" | \"PUT\" | \"PATCH\" },\n  ): Promise<T>;\n}\n\nexport interface LocalFile {\n  name: string;\n  bytes: Uint8Array;\n}\n\nexport type FileReader = (path: string) => Promise<LocalFile>;\n\nexport const readLocalFile: FileReader = async (path) => {\n  let bytes: Uint8Array;\n  try {\n    bytes = await readFile(path);\n  } catch {\n    throw new OnboardingError(`Can't read ${path}.`);\n  }\n  return { name: basename(path), bytes };\n};\n\ninterface CompanyMeWire {\n  data?: { company?: { id?: number } };\n  company?: { id?: number };\n}\n\n/** The company the token acts for. */\nexport async function currentCompanyId(\n  client: OnboardingClient,\n): Promise<number> {\n  const me = await client.get<CompanyMeWire>(\"/api/company/v1/companies/me\");\n  const id = me.data?.company?.id ?? me.company?.id;\n  if (typeof id !== \"number\")\n    throw new OnboardingError(\n      \"Couldn't tell which company this token belongs to.\",\n    );\n  return id;\n}\n\nconst base = (companyId: number) => `/api/companies/${companyId}`;\n\n/** Where to find the form in the admin when no URL can be worked out. */\nexport const ONBOARDING_FORM_PATH = \"Settings > Onboarding\";\n\n/**\n * The admin's onboarding form for the environment the CLI talks to: the\n * admin host sits beside the API host (api.fluid.app → admin.fluid.app,\n * api.fluid-staging.app → admin.fluid-staging.app). Null for an API host\n * that doesn't follow that pattern, such as a local server.\n */\nexport function onboardingFormUrl(\n  apiBase: string = process.env[\"FLUID_API_BASE\"] ?? \"https://api.fluid.app\",\n): string | null {\n  try {\n    const url = new URL(apiBase);\n    if (!url.hostname.startsWith(\"api.\")) return null;\n    return `${url.protocol}//admin.${url.hostname.slice(4)}/settings/onboarding`;\n  } catch {\n    return null;\n  }\n}\n\n/** Where a person submits: the form's URL, or where to find it. */\nexport function onboardingFormLocation(): string {\n  return onboardingFormUrl() ?? `${ONBOARDING_FORM_PATH} in the admin`;\n}\n\n/**\n * Whether the token is a person's sign-in. Submitting records who accepted\n * the terms, so it needs one: `fluid login` with email does, while a company\n * API token has no person behind it and `/api/me` refuses it.\n */\nexport async function signedInAsPerson(\n  client: OnboardingClient,\n): Promise<boolean> {\n  try {\n    await client.get(\"/api/me\");\n    return true;\n  } catch (error) {\n    const status = (error as { status?: unknown }).status;\n    if (status === 401 || status === 403) return false;\n    throw error;\n  }\n}\n\ninterface InfoWire {\n  company: {\n    id: number;\n    onboarding_info: OnboardingInfo | null;\n    onboarding_info_version?: number | null;\n  };\n}\n\nexport async function loadSnapshot(\n  client: OnboardingClient,\n  companyId: number,\n): Promise<Snapshot> {\n  const [info, entities, banks, owners] = await Promise.all([\n    client.get<InfoWire>(`${base(companyId)}/onboarding_info`),\n    client.get<{ entities?: Entity[] }>(`${base(companyId)}/entities`),\n    client.get<{ bank_accounts?: BankAccount[] }>(\n      `${base(companyId)}/bank_accounts`,\n    ),\n    client.get<{ owners?: Owner[] }>(`${base(companyId)}/owners`),\n  ]);\n  return {\n    companyId,\n    info: info.company.onboarding_info ?? {},\n    version: info.company.onboarding_info_version ?? null,\n    entities: entities.entities ?? [],\n    bankAccounts: banks.bank_accounts ?? [],\n    owners: owners.owners ?? [],\n  };\n}\n\nexport async function termsUrl(\n  client: OnboardingClient,\n  companyId: number,\n): Promise<string | null> {\n  try {\n    const res = await client.get<{ terms_and_conditions?: { url?: string } }>(\n      `${base(companyId)}/onboarding_info/terms_and_conditions`,\n    );\n    return res.terms_and_conditions?.url ?? null;\n  } catch {\n    return null;\n  }\n}\n\ninterface ProviderWire {\n  display_name?: string;\n  integration_class?: string;\n  provider_type?: string;\n  onboarding_status?: string;\n  onboarding_time_estimate?: string | null;\n}\n\nexport interface ProviderStatus {\n  name: string;\n  type: string | null;\n  onboardingStatus: string | null;\n  timeEstimate: string | null;\n}\n\n/** Per-processor progress after submission. Null when the token can't read\n *  payment accounts. */\nexport async function providerStatuses(\n  client: OnboardingClient,\n  companyId: number,\n): Promise<ProviderStatus[] | null> {\n  try {\n    const res = await client.get<{\n      providers?: { psps?: ProviderWire[]; apms?: ProviderWire[] };\n    }>(`${base(companyId)}/payments_status`);\n    return [...(res.providers?.psps ?? []), ...(res.providers?.apms ?? [])].map(\n      (p) => ({\n        name: p.display_name ?? p.integration_class ?? \"unknown\",\n        type: p.provider_type ?? null,\n        onboardingStatus: p.onboarding_status ?? null,\n        timeEstimate: p.onboarding_time_estimate ?? null,\n      }),\n    );\n  } catch (error) {\n    const status = (error as { status?: number }).status;\n    if (status === 401 || status === 403) return null;\n    throw error;\n  }\n}\n\nconst CONTENT_TYPES: Record<string, string> = {\n  \".pdf\": \"application/pdf\",\n  \".png\": \"image/png\",\n  \".jpg\": \"image/jpeg\",\n  \".jpeg\": \"image/jpeg\",\n  \".heic\": \"image/heic\",\n  \".webp\": \"image/webp\",\n  \".doc\": \"application/msword\",\n  \".docx\":\n    \"application/vnd.openxmlformats-officedocument.wordprocessingml.document\",\n};\n\ninterface UploadWire {\n  url: string;\n  filename: string;\n}\n\n/** Upload one document. Returns the stored reference; the signed URL is\n *  never printed. */\nexport async function uploadDocument(\n  client: OnboardingClient,\n  companyId: number,\n  file: LocalFile,\n  documentType: string,\n): Promise<{ file_url: string; file_name: string }> {\n  if (file.bytes.byteLength > MAX_UPLOAD_BYTES) {\n    throw new OnboardingError(`${file.name} is over the 10 MB upload limit.`);\n  }\n  const form = new FormData();\n  const type =\n    CONTENT_TYPES[extname(file.name).toLowerCase()] ??\n    \"application/octet-stream\";\n  form.append(\n    \"file\",\n    new Blob([new Uint8Array(file.bytes)], { type }),\n    file.name,\n  );\n  form.append(\"document_type\", documentType);\n  const res = await client.requestWithFormData<UploadWire>(\n    `${base(companyId)}/onboarding_info/upload_document`,\n    form,\n    { method: \"POST\" },\n  );\n  return { file_url: res.url, file_name: res.filename || file.name };\n}\n\n/** `--entity 12`, `--entity new`, or nothing for the default record. */\nexport type TargetArg = number | \"new\" | undefined;\n\nexport function parseTarget(flag: string, raw: string | undefined): TargetArg {\n  if (raw === undefined) return undefined;\n  if (raw === \"new\") return \"new\";\n  const id = Number(raw);\n  if (!Number.isInteger(id) || id <= 0)\n    throw new OnboardingError(`${flag} takes a record id or \"new\".`);\n  return id;\n}\n\nexport interface Targets {\n  entity?: TargetArg;\n  bank?: TargetArg;\n  owner?: TargetArg;\n  idType?: IdType;\n  /** Replace a multi-file document's files instead of adding to them. */\n  replaceFiles?: boolean;\n}\n\nexport interface SavedRecord {\n  record: \"entity\" | \"bank\" | \"owner\" | \"onboarding_info\";\n  id: number | null;\n  action: \"created\" | \"updated\";\n}\n\nfunction findOr<T extends { id: number }>(\n  records: readonly T[],\n  id: number,\n  label: string,\n): T {\n  const found = records.find((r) => r.id === id);\n  if (!found)\n    throw new OnboardingError(\n      `No ${label} with id ${id}. Run \\`fluid payments onboarding show\\` for the ids.`,\n    );\n  return found;\n}\n\nconst DOCUMENT_TYPES: Record<string, string> = {\n  government_issued_ids: \"government_id\",\n  mlm_ownership_structure_file: \"organizational_chart\",\n  refund_or_return_policy: \"refund_return_policy\",\n  sample_distributor_agreement: \"distributor_agreement\",\n  income_disclosure_statement: \"income_disclosure\",\n};\n\nconst documentTypeOf = (attr: string) =>\n  DOCUMENT_TYPES[attr] ?? attr.replace(/_year\\d$/, \"\").replace(/_file$/, \"\");\n\n/**\n * Save a plan. Order matters: an entity first, because bank accounts,\n * people, and countries default to the primary entity; the onboarding info\n * last, carrying the revision it was read at.\n */\nexport async function applyPlan(\n  client: OnboardingClient,\n  snapshot: Snapshot,\n  plan: Plan,\n  targets: Targets,\n  readLocal: FileReader = readLocalFile,\n): Promise<SavedRecord[]> {\n  const companyId = snapshot.companyId;\n  const saved: SavedRecord[] = [];\n  const filesFor = (group: string) =>\n    plan.files.filter((f) => f.field.group === group);\n\n  // ---- resolve the records each group writes to, before uploading anything\n  const entityTouched =\n    Object.keys(plan.entity).length > 0 || filesFor(\"entity\").length > 0;\n  const bankTouched =\n    Object.keys(plan.bank).length > 0 || filesFor(\"bank\").length > 0;\n  const ownerTouched =\n    Object.keys(plan.owner).length > 0 || filesFor(\"owner\").length > 0;\n\n  let entity: Entity | undefined;\n  if (targets.entity !== \"new\" && targets.entity !== undefined)\n    entity = findOr(snapshot.entities, targets.entity, \"entity\");\n  else if (targets.entity === undefined)\n    entity = primaryEntity(snapshot.entities);\n  if (\n    entityTouched &&\n    !entity &&\n    typeof plan.entity[\"legal_name\"] !== \"string\"\n  ) {\n    throw new OnboardingError(\"Creating an entity needs entity.legal_name.\");\n  }\n\n  let bank: BankAccount | undefined;\n  if (targets.bank !== \"new\" && targets.bank !== undefined)\n    bank = findOr(snapshot.bankAccounts, targets.bank, \"bank account\");\n  else if (targets.bank === undefined) bank = primaryBankAccount(snapshot);\n\n  let owner: Owner | undefined;\n  if (targets.owner !== \"new\" && targets.owner !== undefined)\n    owner = findOr(snapshot.owners, targets.owner, \"person\");\n  else if (targets.owner === undefined)\n    owner = onboardingContact(snapshot.owners);\n  if (ownerTouched && !owner && typeof plan.owner[\"full_name\"] !== \"string\") {\n    throw new OnboardingError(\"Adding a person needs owner.full_name.\");\n  }\n\n  const idFiles = plan.files.filter(\n    (f) => f.key === \"owner.government_issued_ids\",\n  );\n  if (idFiles.length > 0 && !targets.idType) {\n    throw new OnboardingError(\n      \"Uploading a government ID needs --id-type passport, license, or national_id.\",\n    );\n  }\n\n  // ---- check everything that can fail locally before writing anything, so\n  // a bad plan leaves the form untouched\n  const willHaveEntity =\n    entity !== undefined || entityTouched || snapshot.entities.length > 0;\n  const entityFirst = (what: string) =>\n    new OnboardingError(\n      `Add the legal entity first (--set entity.legal_name=...), then ${what}.`,\n    );\n  if (\n    bankTouched &&\n    !bank &&\n    plan.bank[\"entity_id\"] === undefined &&\n    !willHaveEntity\n  )\n    throw entityFirst(\"add a bank account\");\n  if (\n    ownerTouched &&\n    !owner &&\n    plan.owner[\"entity_id\"] === undefined &&\n    !willHaveEntity\n  )\n    throw entityFirst(\"add a person\");\n  const existingCountries = snapshot.info.countries_info ?? [];\n  const newIsos = Object.keys(plan.countries).filter(\n    (iso) => !existingCountries.some((c) => c.country_iso === iso),\n  );\n  if (\n    newIsos.some((iso) => plan.countries[iso]?.[\"entity_id\"] === undefined) &&\n    !willHaveEntity\n  )\n    throw entityFirst(\"add a country\");\n  const catalogue = newIsos.length > 0 ? await listCountries(client) : [];\n  for (const iso of newIsos) {\n    if (!catalogue.some((c) => c.iso.toUpperCase() === iso)) {\n      throw new OnboardingError(\n        `${iso} isn't a country Fluid knows. Run \\`fluid payments onboarding options countries\\`.`,\n      );\n    }\n  }\n\n  // ---- upload documents and turn them into attribute changes\n  const entityPatch: Record<string, unknown> = { ...plan.entity };\n  const bankPatch: Record<string, unknown> = { ...plan.bank };\n  const ownerPatch: Record<string, unknown> = { ...plan.owner };\n  const underwritingPatch: Record<string, unknown> = { ...plan.underwriting };\n  const existingUnderwriting = (snapshot.info.underwriting_info ??\n    {}) as Record<string, unknown>;\n\n  const patches: Record<\n    string,\n    { patch: Record<string, unknown>; existing: Record<string, unknown> }\n  > = {\n    entity: { patch: entityPatch, existing: entity ?? {} },\n    bank: { patch: bankPatch, existing: bank ?? {} },\n    owner: { patch: ownerPatch, existing: owner ?? {} },\n    underwriting: { patch: underwritingPatch, existing: existingUnderwriting },\n  };\n\n  for (const [attr, link] of Object.entries(plan.underwritingLinks)) {\n    const current = (underwritingPatch[attr] ??\n      existingUnderwriting[attr] ??\n      {}) as FileRef;\n    underwritingPatch[attr] = { ...current, link };\n  }\n\n  for (const file of plan.files) {\n    const attr = attributeOf(file.key);\n    const target = patches[file.field.group];\n    if (!target) continue;\n    const ref = await uploadDocument(\n      client,\n      companyId,\n      await readLocal(file.path),\n      documentTypeOf(attr),\n    );\n\n    if (file.field.type === \"file\") {\n      target.patch[`${attr}_file_url`] = ref.file_url;\n      target.patch[`${attr}_file_name`] = ref.file_name;\n    } else if (file.field.type === \"link_or_file\") {\n      const current = (target.patch[attr] ??\n        target.existing[attr] ??\n        {}) as FileRef;\n      target.patch[attr] = { ...current, ...ref };\n    } else {\n      const item: FileRef =\n        attr === \"government_issued_ids\"\n          ? { ...ref, file_type: targets.idType }\n          : ref;\n      let current = (target.patch[attr] ??\n        (targets.replaceFiles ? [] : target.existing[attr]) ??\n        []) as FileRef[];\n      // A new kind of ID replaces the old one rather than mixing documents.\n      if (\n        attr === \"government_issued_ids\" &&\n        current.some((c) => c.file_type !== targets.idType)\n      )\n        current = [];\n      target.patch[attr] = [...current, item];\n    }\n  }\n\n  try {\n    // ---- entity\n    if (entityTouched) {\n      if (entity) {\n        const res = await client.put<{ entity: Entity }>(\n          `${base(companyId)}/entities/${entity.id}`,\n          { entity: entityPatch },\n        );\n        entity = res.entity ?? entity;\n        saved.push({ record: \"entity\", id: entity.id, action: \"updated\" });\n      } else {\n        if (\n          snapshot.entities.length === 0 &&\n          entityPatch[\"primary\"] === undefined\n        )\n          entityPatch[\"primary\"] = true;\n        const res = await client.post<{ entity: Entity }>(\n          `${base(companyId)}/entities`,\n          { entity: entityPatch },\n        );\n        entity = res.entity;\n        saved.push({\n          record: \"entity\",\n          id: entity?.id ?? null,\n          action: \"created\",\n        });\n      }\n    }\n    const defaultEntityId = (entity ?? primaryEntity(snapshot.entities))?.id;\n    const needEntity = (what: string): number => {\n      if (defaultEntityId === undefined) {\n        throw new OnboardingError(\n          `Add the legal entity first (--set entity.legal_name=...), then ${what}.`,\n        );\n      }\n      return defaultEntityId;\n    };\n\n    // ---- bank account\n    if (bankTouched) {\n      if (bank) {\n        const res = await client.put<{ bank_account: BankAccount }>(\n          `${base(companyId)}/bank_accounts/${bank.id}`,\n          { bank_account: bankPatch },\n        );\n        saved.push({\n          record: \"bank\",\n          id: res.bank_account?.id ?? bank.id,\n          action: \"updated\",\n        });\n      } else {\n        bankPatch[\"entity_id\"] ??= needEntity(\"add a bank account\");\n        if (\n          snapshot.bankAccounts.length === 0 &&\n          bankPatch[\"primary\"] === undefined\n        )\n          bankPatch[\"primary\"] = true;\n        const res = await client.post<{ bank_account: BankAccount }>(\n          `${base(companyId)}/bank_accounts`,\n          { bank_account: bankPatch },\n        );\n        saved.push({\n          record: \"bank\",\n          id: res.bank_account?.id ?? null,\n          action: \"created\",\n        });\n      }\n    }\n\n    // ---- person\n    if (ownerTouched) {\n      if (owner) {\n        const res = await client.put<{ owner: Owner }>(\n          `${base(companyId)}/owners/${owner.id}`,\n          { owner: ownerPatch },\n        );\n        saved.push({\n          record: \"owner\",\n          id: res.owner?.id ?? owner.id,\n          action: \"updated\",\n        });\n      } else {\n        ownerPatch[\"entity_id\"] ??= needEntity(\"add a person\");\n        if (\n          !onboardingContact(snapshot.owners) &&\n          ownerPatch[\"onboarding_contact\"] === undefined\n        ) {\n          ownerPatch[\"onboarding_contact\"] = true;\n        }\n        const res = await client.post<{ owner: Owner }>(\n          `${base(companyId)}/owners`,\n          { owner: ownerPatch },\n        );\n        saved.push({\n          record: \"owner\",\n          id: res.owner?.id ?? null,\n          action: \"created\",\n        });\n      }\n    }\n\n    // ---- onboarding info: answers, underwriting, countries\n    const info: Record<string, unknown> = { ...plan.info };\n    if (Object.keys(underwritingPatch).length > 0)\n      info[\"underwriting_info\"] = underwritingPatch;\n    if (Object.keys(plan.countries).length > 0) {\n      info[\"countries_info\"] = mergeCountries(\n        existingCountries,\n        catalogue,\n        plan.countries,\n        () => needEntity(\"add a country\"),\n      );\n    }\n    if (Object.keys(info).length > 0) {\n      await putInfo(client, snapshot, info);\n      saved.push({ record: \"onboarding_info\", id: null, action: \"updated\" });\n    }\n  } catch (error) {\n    if (saved.length === 0) throw error;\n    throw partialSave(saved, error);\n  }\n\n  return saved;\n}\n\n/** A write failed after earlier ones in the same `set` were saved. Say\n *  exactly what was kept, so a retry doesn't create a record twice. */\nfunction partialSave(saved: SavedRecord[], error: unknown): OnboardingError {\n  const body = (error as { body?: Record<string, unknown> | null }).body;\n  const reason =\n    typeof body?.[\"error_message\"] === \"string\"\n      ? (body[\"error_message\"] as string)\n      : error instanceof Error\n        ? error.message\n        : String(error);\n  const kept = saved\n    .map((r) => `${r.record}${r.id !== null ? ` ${r.id}` : \"\"} ${r.action}`)\n    .join(\", \");\n  return new OnboardingError(\n    `Partly saved: ${kept}. The next write failed: ${reason} Run \\`fluid payments onboarding show\\`, then retry only what's still missing, targeting created records by id rather than with \"new\".`,\n    {\n      saved,\n      failure: {\n        ...(typeof (error as { status?: unknown }).status === \"number\"\n          ? { status: (error as { status: number }).status }\n          : {}),\n        ...(body?.[\"errors\"] !== undefined ? { errors: body[\"errors\"] } : {}),\n      },\n    },\n  );\n}\n\ninterface CountryWire {\n  id: number;\n  iso: string;\n  name?: string | null;\n  currency_code?: string | null;\n}\n\nexport async function listCountries(\n  client: OnboardingClient,\n): Promise<CountryWire[]> {\n  const res = await client.get<CountryWire[] | { countries?: CountryWire[] }>(\n    \"/api/countries\",\n  );\n  return Array.isArray(res) ? res : (res.countries ?? []);\n}\n\nfunction mergeCountries(\n  existing: readonly CountryInfo[],\n  catalogue: readonly CountryWire[],\n  changes: Plan[\"countries\"],\n  defaultEntity: () => number,\n): CountryInfo[] {\n  const merged = existing.map((c) => ({ ...c }));\n\n  for (const [iso, change] of Object.entries(changes)) {\n    let entry = merged.find((c) => c.country_iso === iso);\n    if (!entry) {\n      const country = catalogue.find((c) => c.iso.toUpperCase() === iso);\n      if (!country)\n        throw new OnboardingError(\n          `${iso} isn't a country Fluid knows. Run \\`fluid payments onboarding options countries\\`.`,\n        );\n      entry = {\n        country_id: country.id,\n        country_iso: iso,\n        entity_id:\n          typeof change[\"entity_id\"] === \"number\"\n            ? change[\"entity_id\"]\n            : defaultEntity(),\n        currency: country.currency_code ?? \"\",\n        settlement_currency: \"\",\n        entity_legally_registered: false,\n      };\n      merged.push(entry);\n    }\n    Object.assign(entry, change);\n  }\n  return merged;\n}\n\nasync function putInfo(\n  client: OnboardingClient,\n  snapshot: Snapshot,\n  info: Record<string, unknown>,\n): Promise<void> {\n  try {\n    await client.put(`${base(snapshot.companyId)}/onboarding_info`, {\n      ...(snapshot.version !== null\n        ? { onboarding_info_version: snapshot.version }\n        : {}),\n      onboarding_info: info,\n    });\n  } catch (error) {\n    if ((error as { status?: number }).status === 409) {\n      throw new OnboardingError(\n        \"Someone else changed the onboarding form since it was read. Run the command again.\",\n      );\n    }\n    throw error;\n  }\n}\n\n/** The step keys the admin app records as complete, in its own spelling. */\nconst COMPLETED_STEP_KEYS = [\n  \"basic_info\",\n  \"business_info\",\n  \"legal_entities\",\n  \"bank_accounts_i\",\n  \"bank_accounts_ii\",\n  \"personal_info\",\n  \"relevant_persons\",\n  \"countries\",\n  \"compliance\",\n  \"terms_and_conditions\",\n];\n\n/** Refuse while required fields are missing, naming each one. */\nexport function assertComplete(snapshot: Snapshot): void {\n  const missing = missingFields(snapshot);\n  if (missing.length > 0) {\n    throw new OnboardingError(\n      `${missing.length} required field(s) are still missing. Run \\`fluid payments onboarding show\\`.`,\n      missing.map((m) => ({\n        field: m.field,\n        ...(m.target ? { target: m.target } : {}),\n        message: m.message,\n      })),\n    );\n  }\n}\n\n/**\n * Submit: mark every step complete and accept the terms, which is the\n * moment the server counts the form as submitted. Refuses while anything is\n * missing.\n */\nexport async function submitOnboarding(\n  client: OnboardingClient,\n  snapshot: Snapshot,\n): Promise<\"submitted\" | \"already_submitted\"> {\n  if (isSubmitted(snapshot)) return \"already_submitted\";\n  assertComplete(snapshot);\n  const steps: Record<string, number> = Object.fromEntries(\n    SERVER_STEP_KEYS.map((key) => [key, 100]),\n  );\n  steps[\"terms_and_conditions\"] = 100;\n  await putInfo(client, snapshot, {\n    onboarding_steps: steps,\n    kyc_flow_current_step: \"terms_and_conditions\",\n    kyc_flow_completed_steps: COMPLETED_STEP_KEYS.join(\",\"),\n    terms_and_conditions_info: { terms_and_conditions_agreed: true },\n  });\n  return \"submitted\";\n}\n\nexport type RemovableRecord = \"entity\" | \"bank\" | \"owner\" | \"country\";\n\nexport async function removeRecord(\n  client: OnboardingClient,\n  snapshot: Snapshot,\n  record: RemovableRecord,\n  id: string,\n): Promise<{ removed: string; id: string }> {\n  const companyId = snapshot.companyId;\n  if (record === \"country\") {\n    const iso = id.toUpperCase();\n    const existing = snapshot.info.countries_info ?? [];\n    if (!existing.some((c) => c.country_iso === iso))\n      throw new OnboardingError(`${iso} isn't on the form.`);\n    await putInfo(client, snapshot, {\n      countries_info: existing.filter((c) => c.country_iso !== iso),\n    });\n    return { removed: \"country\", id: iso };\n  }\n  const numeric = Number(id);\n  if (!Number.isInteger(numeric) || numeric <= 0)\n    throw new OnboardingError(`\"${id}\" isn't a record id.`);\n  const path = { entity: \"entities\", bank: \"bank_accounts\", owner: \"owners\" }[\n    record\n  ];\n  const list = {\n    entity: snapshot.entities,\n    bank: snapshot.bankAccounts,\n    owner: snapshot.owners,\n  }[record];\n  findOr(\n    list as Array<{ id: number }>,\n    numeric,\n    record === \"bank\"\n      ? \"bank account\"\n      : record === \"owner\"\n        ? \"person\"\n        : \"entity\",\n  );\n  await client.delete(`${base(companyId)}/${path}/${numeric}`);\n  return { removed: record, id: String(numeric) };\n}\n\nexport type OptionList =\n  | \"business-types\"\n  | \"mcc-codes\"\n  | \"countries\"\n  | \"currencies\";\nexport const OPTION_LISTS: readonly OptionList[] = [\n  \"business-types\",\n  \"mcc-codes\",\n  \"countries\",\n  \"currencies\",\n];\n\nexport async function listOptions(\n  client: OnboardingClient,\n  list: OptionList,\n  country?: string,\n): Promise<unknown> {\n  switch (list) {\n    case \"business-types\": {\n      const res = await client.get<{ business_types?: unknown[] }>(\n        \"/api/business_types\",\n        country ? { country_code: country.toUpperCase() } : undefined,\n      );\n      return res.business_types ?? [];\n    }\n    case \"mcc-codes\": {\n      const res = await client.get<{ mcc_codes?: unknown[] }>(\"/api/mcc_codes\");\n      return res.mcc_codes ?? [];\n    }\n    case \"countries\":\n      return (await listCountries(client)).map((c) => ({\n        iso: c.iso,\n        name: c.name ?? null,\n        currency: c.currency_code ?? null,\n      }));\n    case \"currencies\": {\n      const res = await client.get<{ currencies?: unknown[] }>(\n        \"/api/currencies\",\n      );\n      return res.currencies ?? [];\n    }\n  }\n}\n","// Onboarding holds tax IDs, bank accounts, and owners' ID numbers and dates\n// of birth. None of it is ever printed in full.\n\nimport { isSensitive } from \"./fields.js\";\n\n/** Keep only the last four characters, e.g. `*****6789`. Short values and\n *  dates are hidden entirely. */\nexport function maskValue(value: unknown): unknown {\n  if (value === null || value === undefined || value === \"\") return value;\n  const text = String(value);\n  if (/^\\d{4}-\\d{2}-\\d{2}/.test(text)) return \"****-**-**\";\n  const visible = text.replace(/[^A-Za-z0-9]/g, \"\");\n  if (visible.length <= 4) return \"****\";\n  return `${\"*\".repeat(Math.min(visible.length - 4, 8))}${visible.slice(-4)}`;\n}\n\n/** Mask a value when its `--set` key is a sensitive field. */\nexport function maskFor(key: string, value: unknown): unknown {\n  return isSensitive(key) ? maskValue(value) : value;\n}\n\n/** Copy of a record with every listed attribute masked. */\nexport function maskAttributes<T extends Record<string, unknown>>(\n  record: T,\n  attributes: readonly string[],\n): T {\n  const copy: Record<string, unknown> = { ...record };\n  for (const attribute of attributes) {\n    if (attribute in copy) copy[attribute] = maskValue(copy[attribute]);\n  }\n  return copy as T;\n}\n","// Turning `--set key=value` and `--file key=path` into per-record changes.\n\nimport {\n  attributeOf,\n  fieldFor,\n  ID_TYPES,\n  type FieldDef,\n  type Group,\n  type IdType,\n} from \"./fields.js\";\nimport { maskFor } from \"./mask.js\";\nimport { OnboardingError } from \"./types.js\";\n\nexport interface Assignment {\n  key: string;\n  value: unknown;\n}\n\nexport interface FileAssignment {\n  key: string;\n  field: FieldDef;\n  path: string;\n}\n\n/** Changes grouped by the record they land on. */\nexport interface Plan {\n  info: Record<string, unknown>;\n  underwriting: Record<string, unknown>;\n  /** `privacy_policy.link=...` style edits to link-or-file objects. */\n  underwritingLinks: Record<string, string>;\n  entity: Record<string, unknown>;\n  bank: Record<string, unknown>;\n  owner: Record<string, unknown>;\n  /** Keyed by upper-case ISO code. */\n  countries: Record<string, Record<string, unknown>>;\n  files: FileAssignment[];\n}\n\nexport function emptyPlan(): Plan {\n  return {\n    info: {},\n    underwriting: {},\n    underwritingLinks: {},\n    entity: {},\n    bank: {},\n    owner: {},\n    countries: {},\n    files: [],\n  };\n}\n\nexport function isEmptyPlan(plan: Plan): boolean {\n  return (\n    plan.files.length === 0 &&\n    [\n      plan.info,\n      plan.underwriting,\n      plan.underwritingLinks,\n      plan.entity,\n      plan.bank,\n      plan.owner,\n      plan.countries,\n    ].every((part) => Object.keys(part).length === 0)\n  );\n}\n\nfunction splitAssignment(raw: string, flag: string): [string, string] {\n  const eq = raw.indexOf(\"=\");\n  if (eq <= 0)\n    throw new OnboardingError(\n      `${flag} expects key=value, got \"${raw.split(\"=\")[0]}\".`,\n    );\n  return [raw.slice(0, eq).trim(), raw.slice(eq + 1)];\n}\n\nconst unknownKey = (key: string) =>\n  new OnboardingError(\n    `Unknown field \"${key}\". Run \\`fluid payments onboarding fields\\` for the list.`,\n  );\n\n/** Coerce a raw string to the field's type. Never quotes a sensitive value\n *  back in an error. */\nexport function coerce(field: FieldDef, key: string, raw: string): unknown {\n  const value = raw.trim();\n  const bad = (expected: string) =>\n    new OnboardingError(\n      `${key} must be ${expected}${field.sensitive ? \"\" : `, got \"${value}\"`}.`,\n    );\n\n  switch (field.type) {\n    case \"boolean\":\n      if (/^(true|yes)$/i.test(value)) return true;\n      if (/^(false|no)$/i.test(value)) return false;\n      throw bad(\"true or false\");\n    case \"number\":\n    case \"percent\": {\n      const n = Number(value);\n      if (value === \"\" || Number.isNaN(n)) throw bad(\"a number\");\n      if (field.type === \"percent\" && (n < 0 || n > 100))\n        throw bad(\"between 0 and 100\");\n      return field.sendAsText ? String(n) : n;\n    }\n    case \"mcc\": {\n      const n = Number(value);\n      if (!Number.isInteger(n) || n <= 0)\n        throw bad(\"an MCC value from `options mcc-codes`\");\n      return n;\n    }\n    case \"country\":\n      if (!/^[A-Za-z]{2}$/.test(value)) throw bad(\"a two-letter country code\");\n      return value.toUpperCase();\n    case \"currency\":\n      if (!/^[A-Za-z]{3}$/.test(value))\n        throw bad(\"a three-letter currency code\");\n      return value.toUpperCase();\n    case \"date\":\n      if (!/^\\d{4}-\\d{2}-\\d{2}$/.test(value) || Number.isNaN(Date.parse(value)))\n        throw bad(\"a date as YYYY-MM-DD\");\n      return value;\n    case \"email\":\n      if (!/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$/.test(value))\n        throw bad(\"an email address\");\n      return value;\n    case \"url\":\n      if (!/^https?:\\/\\/\\S+$/.test(value))\n        throw bad(\"a URL starting with http:// or https://\");\n      return value;\n    case \"phone\":\n      if (!/^[\\d\\s\\-+()]{8,}$/.test(value))\n        throw bad(\"a phone number with at least 8 digits\");\n      return value;\n    case \"enum\":\n      if (!field.options?.includes(value))\n        throw bad(`one of ${field.options?.join(\", \")}`);\n      return value;\n    case \"yes_no\":\n      if (!/^(yes|no)\\b/i.test(value))\n        throw bad('\"Yes\", \"No\", or \"Yes - details\"');\n      return value;\n    case \"file\":\n    case \"files\":\n    case \"link_or_file\":\n      throw new OnboardingError(\n        `${key} is a document. Upload it with --file ${key}=<path>.`,\n      );\n    default:\n      if (value === \"\") throw bad(\"non-empty\");\n      return value;\n  }\n}\n\n/** Parse `--set` and `--file` flags into a plan. */\nexport function buildPlan(\n  sets: readonly string[],\n  files: readonly string[],\n): Plan {\n  const plan = emptyPlan();\n\n  for (const raw of sets) {\n    const [key, value] = splitAssignment(raw, \"--set\");\n\n    const link = /^underwriting\\.(\\w+)\\.link$/.exec(key);\n    if (link) {\n      const field = fieldFor(`underwriting.${link[1]}`);\n      if (field?.type !== \"link_or_file\") throw unknownKey(key);\n      const url = value.trim();\n      if (!/^https?:\\/\\/\\S+$/.test(url))\n        throw new OnboardingError(\n          `${key} must be a URL starting with http:// or https://.`,\n        );\n      plan.underwritingLinks[link[1]!] = url;\n      continue;\n    }\n\n    const field = fieldFor(key);\n    if (!field) throw unknownKey(key);\n    const coerced = coerce(field, key, value);\n\n    const country = /^country\\.([A-Za-z]{2})\\.(\\w+)$/.exec(key);\n    if (country) {\n      const iso = country[1]!.toUpperCase();\n      (plan.countries[iso] ??= {})[country[2]!] = coerced;\n      continue;\n    }\n    const group = field.group as Exclude<Group, \"country\">;\n    plan[group][attributeOf(key)] = coerced;\n  }\n\n  for (const raw of files) {\n    const [key, path] = splitAssignment(raw, \"--file\");\n    const field = fieldFor(key);\n    if (!field || ![\"file\", \"files\", \"link_or_file\"].includes(field.type)) {\n      throw new OnboardingError(\n        field\n          ? `${key} isn't a document; use --set.`\n          : `Unknown document \"${key}\". Run \\`fluid payments onboarding fields\\`.`,\n      );\n    }\n    if (!path.trim()) throw new OnboardingError(`--file ${key} needs a path.`);\n    plan.files.push({ key, field, path: path.trim() });\n  }\n\n  return plan;\n}\n\nexport function parseIdType(raw: string | undefined): IdType | undefined {\n  if (raw === undefined) return undefined;\n  if (!(ID_TYPES as readonly string[]).includes(raw)) {\n    throw new OnboardingError(\n      `--id-type must be one of ${ID_TYPES.join(\", \")}.`,\n    );\n  }\n  return raw as IdType;\n}\n\n/** What `set` changed, safe to print: sensitive values masked, documents by\n *  file name only. */\nexport function describePlan(plan: Plan): Record<string, unknown> {\n  const out: Record<string, unknown> = {};\n  const add = (group: string, part: Record<string, unknown>) => {\n    for (const [attr, value] of Object.entries(part)) {\n      const key = `${group}.${attr}`;\n      out[key] = maskFor(key, value);\n    }\n  };\n  add(\"info\", plan.info);\n  add(\"underwriting\", plan.underwriting);\n  for (const [attr, url] of Object.entries(plan.underwritingLinks))\n    out[`underwriting.${attr}.link`] = url;\n  add(\"entity\", plan.entity);\n  add(\"bank\", plan.bank);\n  add(\"owner\", plan.owner);\n  for (const [iso, part] of Object.entries(plan.countries))\n    add(`country.${iso}`, part);\n  for (const file of plan.files) {\n    const name = file.path.split(/[\\\\/]/).pop();\n    const prior = out[file.key];\n    out[file.key] = prior\n      ? [prior, `uploaded ${name}`].flat()\n      : `uploaded ${name}`;\n  }\n  return out;\n}\n","// What `show` prints: status, the steps, what's missing, and the records on\n// the form with every sensitive value masked.\n\nimport { maskValue } from \"./mask.js\";\nimport {\n  missingFields,\n  statusOf,\n  stepReports,\n  termsAgreed,\n  type Missing,\n  type OnboardingStatus,\n  type StepReport,\n} from \"./requirements.js\";\nimport type { Snapshot } from \"./types.js\";\n\nexport interface Summary {\n  companyId: number;\n  status: OnboardingStatus;\n  submitted: boolean;\n  termsAgreed: boolean;\n  /** True when nothing is missing and `submit` will go through. */\n  readyToSubmit: boolean;\n  missingCount: number;\n  steps: StepReport[];\n  missing: Missing[];\n  records: {\n    entities: Array<Record<string, unknown>>;\n    bankAccounts: Array<Record<string, unknown>>;\n    people: Array<Record<string, unknown>>;\n    countries: Array<Record<string, unknown>>;\n  };\n}\n\nexport function summarize(snapshot: Snapshot): Summary {\n  const missing = missingFields(snapshot);\n  const status = statusOf(snapshot);\n  return {\n    companyId: snapshot.companyId,\n    status,\n    submitted: status === \"submitted\",\n    termsAgreed: termsAgreed(snapshot),\n    readyToSubmit: missing.length === 0 && status !== \"submitted\",\n    missingCount: missing.length,\n    steps: stepReports(snapshot, missing),\n    missing,\n    records: {\n      entities: snapshot.entities.map((e) => ({\n        id: e.id,\n        legal_name: e.legal_name ?? null,\n        primary: e.primary === true,\n        status: e.status ?? null,\n        country_iso: e.country_iso ?? null,\n        business_identification_number: maskValue(\n          e[\"business_identification_number\"] ?? null,\n        ),\n      })),\n      bankAccounts: snapshot.bankAccounts.map((b) => ({\n        id: b.id,\n        entity_id: b.entity_id,\n        bank_name: b[\"bank_name\"] ?? null,\n        primary: b.primary === true,\n        country_iso: b.country_iso ?? null,\n        currency_iso: b[\"currency_iso\"] ?? null,\n        account_number: maskValue(b[\"account_number\"] ?? null),\n      })),\n      people: snapshot.owners.map((o) => ({\n        id: o.id,\n        entity_id: o.entity_id ?? null,\n        full_name: o.full_name ?? null,\n        position: o[\"position\"] ?? null,\n        onboarding_contact: o.onboarding_contact === true,\n        is_beneficial_owner: o.is_beneficial_owner === true,\n        percent_ownership: o.percent_ownership ?? null,\n      })),\n      countries: (snapshot.info.countries_info ?? []).map((c) => ({\n        country_iso: c.country_iso,\n        currency: c.currency,\n        settlement_currency: c.settlement_currency,\n        entity_id: c.entity_id,\n        entity_legally_registered: c.entity_legally_registered,\n      })),\n    },\n  };\n}\n","// `fluid payments onboarding walk`: the form as a conversation. It asks\n// for each missing field in form order, saves every answer as it goes, and\n// lets a person go back, skip, jump to any step, or change a saved answer.\n// Answers go through the same parsing and saving as `set`.\n\nimport {\n  applyPlan,\n  listCountries,\n  listOptions,\n  loadSnapshot,\n  onboardingFormLocation,\n  onboardingFormUrl,\n  signedInAsPerson,\n  submitOnboarding,\n  termsUrl,\n  type FileReader,\n  type OnboardingClient,\n} from \"./api.js\";\nimport { buildPlan } from \"./assign.js\";\nimport {\n  FIELDS,\n  fieldFor,\n  ID_TYPES,\n  STEPS,\n  type FieldDef,\n  type IdType,\n  type StepId,\n} from \"./fields.js\";\nimport { maskFor } from \"./mask.js\";\nimport {\n  missingFields,\n  onboardingContact,\n  primaryBankAccount,\n  primaryEntity,\n  type Missing,\n  type Target,\n} from \"./requirements.js\";\nimport { summarize } from \"./summary.js\";\nimport {\n  NAV_HELP,\n  type Choice,\n  type Prompter,\n  type Question,\n} from \"@fluid-app/fluid-cli\";\nimport type { Snapshot } from \"./types.js\";\n\n/** One question: a field, on a particular record when there are several. */\nexport interface Slot {\n  field: string;\n  target?: Target;\n  /** Why it's being asked, when it's missing. */\n  reason?: string;\n}\n\nexport interface WalkResult {\n  answered: number;\n  skipped: string[];\n  status: string;\n  readyToSubmit: boolean;\n  missingCount: number;\n  submitted: boolean;\n  /** Set when everything is filled in but a person has to submit. */\n  submitUrl?: string;\n}\n\nexport interface WalkDeps {\n  api: OnboardingClient;\n  companyId: number;\n  prompter: Prompter;\n  readLocal?: FileReader;\n}\n\nconst slotKey = (slot: Slot) =>\n  `${slot.field}|${JSON.stringify(slot.target ?? {})}`;\n\nconst stepName = (id: StepId) => STEPS.find((s) => s.id === id)?.name ?? id;\n\nconst fromMissing = (m: Missing): Slot => ({\n  field: m.field,\n  ...(m.target ? { target: m.target } : {}),\n  reason: m.message,\n});\n\n// ------------------------------------------------------------ saved values\n\nfunction recordFor(snapshot: Snapshot, slot: Slot): Record<string, unknown> | undefined {\n  const group = slot.field.split(\".\")[0];\n  const t = slot.target ?? {};\n  if (group === \"entity\")\n    return t.entity\n      ? snapshot.entities.find((e) => e.id === t.entity)\n      : primaryEntity(snapshot.entities);\n  if (group === \"bank\")\n    return t.bank\n      ? snapshot.bankAccounts.find((b) => b.id === t.bank)\n      : primaryBankAccount(snapshot);\n  if (group === \"owner\")\n    return t.owner\n      ? snapshot.owners.find((o) => o.id === t.owner)\n      : onboardingContact(snapshot.owners);\n  return undefined;\n}\n\n/** The saved value for a slot, or undefined when there's none. */\nexport function savedValue(snapshot: Snapshot, slot: Slot): unknown {\n  const [group, ...path] = slot.field.split(\".\");\n  const info = snapshot.info ?? {};\n  let node: unknown;\n  if (group === \"info\") node = info;\n  else if (group === \"underwriting\") node = info.underwriting_info ?? {};\n  else if (group === \"country\") {\n    const iso = path.shift()?.toUpperCase();\n    node = (info.countries_info ?? []).find((c) => c.country_iso === iso);\n  } else node = recordFor(snapshot, slot);\n  for (const part of path) {\n    if (node === null || typeof node !== \"object\") return undefined;\n    node = (node as Record<string, unknown>)[part];\n  }\n  return node === null || node === \"\" ? undefined : node;\n}\n\n/** A saved value as one short line, masked when sensitive. */\nexport function display(key: string, value: unknown): string | undefined {\n  if (value === undefined) return undefined;\n  const masked = maskFor(key, value);\n  if (typeof masked === \"boolean\") return masked ? \"Yes\" : \"No\";\n  if (Array.isArray(masked))\n    return masked.map((v) => display(key, v) ?? \"\").filter(Boolean).join(\", \");\n  if (masked && typeof masked === \"object\") {\n    const ref = masked as { file_name?: string | null; link?: string | null };\n    return ref.link ?? ref.file_name ?? undefined;\n  }\n  return String(masked);\n}\n\n// ------------------------------------------------------------- questions\n\ntype OptionFetch = () => Promise<Choice[]>;\n\nfunction optionSource(\n  api: OnboardingClient,\n  snapshot: Snapshot,\n  field: FieldDef,\n): OptionFetch | undefined {\n  switch (field.type) {\n    case \"country\":\n      return async () =>\n        (await listCountries(api)).map((c) => ({\n          title: c.name ? `${c.name} (${c.iso})` : c.iso,\n          value: c.iso,\n        }));\n    case \"currency\":\n      return async () =>\n        ((await listOptions(api, \"currencies\")) as Array<{ code?: string; name?: string }>)\n          .filter((c) => c.code)\n          .map((c) => ({ title: `${c.code} — ${c.name ?? \"\"}`, value: c.code! }));\n    case \"mcc\":\n      return async () =>\n        ((await listOptions(api, \"mcc-codes\")) as Array<{ value?: number; name?: string }>)\n          .filter((c) => c.value !== undefined)\n          .map((c) => ({ title: `${c.name} (${c.value})`, value: String(c.value) }));\n    case \"business_type\": {\n      const country = primaryEntity(snapshot.entities)?.country_iso ?? undefined;\n      return async () =>\n        ((await listOptions(api, \"business-types\", country ?? undefined)) as Array<{\n          value?: string;\n          name?: string;\n        }>)\n          .filter((c) => c.value)\n          .map((c) => ({ title: c.name ?? c.value!, value: c.value! }));\n    }\n    default:\n      return undefined;\n  }\n}\n\nconst TYPE_HINTS: Partial<Record<FieldDef[\"type\"], string>> = {\n  date: \"YYYY-MM-DD\",\n  percent: \"0 to 100\",\n  email: \"name@example.com\",\n  url: \"https://…\",\n  phone: \"with country code\",\n  yes_no: 'Yes, No, or \"Yes - details\"',\n  file: \"path to the file\",\n  files: \"path to the file\",\n  link_or_file: \"a https:// link or a file path\",\n};\n\nasync function questionFor(\n  slot: Slot,\n  field: FieldDef,\n  current: string | undefined,\n  options: Choice[] | undefined,\n  section: string,\n  canGoBack: boolean,\n): Promise<Question> {\n  const base = { section, message: field.label, current, canGoBack };\n  if (field.type === \"boolean\")\n    return {\n      ...base,\n      kind: \"select\",\n      choices: [\n        { title: \"Yes\", value: \"true\" },\n        { title: \"No\", value: \"false\" },\n      ],\n    };\n  if (field.type === \"enum\" && field.options)\n    return {\n      ...base,\n      kind: \"select\",\n      choices: field.options.map((o) => ({ title: o, value: o })),\n    };\n  if (options && options.length > 0)\n    return { ...base, kind: \"search\", choices: options, hint: \"type to filter\" };\n  const hint = [TYPE_HINTS[field.type], slot.reason].filter(Boolean).join(\" · \");\n  return {\n    ...base,\n    kind: field.sensitive ? \"secret\" : \"text\",\n    ...(hint ? { hint } : {}),\n  };\n}\n\n// ----------------------------------------------------------------- walk\n\nexport async function walkOnboarding(\n  deps: WalkDeps,\n  opts: { step?: StepId } = {},\n): Promise<WalkResult> {\n  const { api, companyId, prompter } = deps;\n  let snapshot = await loadSnapshot(api, companyId);\n  const history: Slot[] = [];\n  const skipped = new Set<string>();\n  const optionCache = new Map<string, Choice[]>();\n  let focus = opts.step;\n  let forced: Slot | undefined;\n  let answered = 0;\n  let submitted = false;\n  let submitUrl: string | undefined;\n\n  prompter.note(NAV_HELP);\n\n  const options = async (field: FieldDef): Promise<Choice[] | undefined> => {\n    const source = optionSource(api, snapshot, field);\n    if (!source) return undefined;\n    const cacheKey = field.type === \"business_type\"\n      ? `${field.type}:${primaryEntity(snapshot.entities)?.country_iso ?? \"\"}`\n      : field.type;\n    if (!optionCache.has(cacheKey)) {\n      try {\n        optionCache.set(cacheKey, await source());\n      } catch {\n        optionCache.set(cacheKey, []); // fall back to typing the value\n      }\n    }\n    return optionCache.get(cacheKey);\n  };\n\n  const countryChoices = async (): Promise<Choice[]> => {\n    if (!optionCache.has(\"country-pick\")) {\n      try {\n        optionCache.set(\n          \"country-pick\",\n          (await listCountries(api)).map((c) => ({\n            title: c.name ? `${c.name} (${c.iso})` : c.iso,\n            value: c.iso,\n          })),\n        );\n      } catch {\n        optionCache.set(\"country-pick\", []);\n      }\n    }\n    return optionCache.get(\"country-pick\")!;\n  };\n\n  const goBack = (): boolean => {\n    const previous = history.pop();\n    if (!previous) {\n      prompter.note(\"This is the first question.\");\n      return false;\n    }\n    skipped.delete(slotKey(previous));\n    forced = previous;\n    return true;\n  };\n\n  /** Save one answer. False (after saying why) when it was refused. */\n  const save = async (slot: Slot, field: FieldDef, raw: string): Promise<boolean> => {\n    const value = raw.trim();\n    let idType: IdType | undefined;\n    try {\n      let plan;\n      if (field.type === \"link_or_file\" && /^https?:\\/\\//i.test(value)) {\n        plan = buildPlan([`${slot.field}.link=${value}`], []);\n      } else if ([\"file\", \"files\", \"link_or_file\"].includes(field.type)) {\n        plan = buildPlan([], [`${slot.field}=${value}`]);\n        if (slot.field === \"owner.government_issued_ids\") {\n          const choice = await prompter.menu(\n            \"Which kind of ID is it?\",\n            ID_TYPES.map((t) => ({ title: t.replace(\"_\", \" \"), value: t })),\n          );\n          if (!choice) return false;\n          idType = choice;\n        }\n      } else {\n        plan = buildPlan([`${slot.field}=${value}`], []);\n      }\n      await applyPlan(\n        api,\n        snapshot,\n        plan,\n        {\n          entity: slot.target?.entity,\n          bank: slot.target?.bank,\n          owner: slot.target?.owner,\n          idType,\n        },\n        deps.readLocal,\n      );\n    } catch (error) {\n      prompter.note(\n        `Not saved: ${error instanceof Error ? error.message : String(error)}`,\n      );\n      return false;\n    }\n    snapshot = await loadSnapshot(api, companyId);\n    return true;\n  };\n\n  /** Pick a field (and a record, when there are several) in a step. */\n  const pickInStep = async (step: StepId): Promise<Slot | null> => {\n    const fields = FIELDS.filter((f) => f.step === step && !f.key.includes(\"<ISO>\"));\n    const slots: Slot[] = fields.map((f) => ({ field: f.key }));\n    for (const country of snapshot.info.countries_info ?? []) {\n      for (const f of FIELDS.filter((x) => x.step === step && x.key.includes(\"<ISO>\")))\n        slots.push({ field: f.key.replace(\"<ISO>\", country.country_iso) });\n    }\n    if (slots.length === 0) {\n      prompter.note(`${stepName(step)} has nothing to change here.`);\n      return null;\n    }\n    const group = slots[0]!.field.split(\".\")[0];\n    let target: Target | undefined;\n    const records =\n      group === \"entity\" ? snapshot.entities\n      : group === \"bank\" ? snapshot.bankAccounts\n      : group === \"owner\" ? snapshot.owners\n      : [];\n    if (records.length > 1) {\n      const id = await prompter.menu(\n        \"Which one?\",\n        records.map((r) => ({\n          title: String(\n            (r as { legal_name?: string }).legal_name ??\n              (r as { full_name?: string }).full_name ??\n              (r as { country_iso?: string }).country_iso ??\n              `#${r.id}`,\n          ),\n          value: String(r.id),\n        })),\n      );\n      if (!id) return null;\n      target = { [group as \"entity\" | \"bank\" | \"owner\"]: Number(id) };\n    }\n    const choice = await prompter.menu(\n      `${stepName(step)}: which answer?`,\n      slots.map((s, i) => {\n        const def = fieldFor(s.field)!;\n        const saved = display(s.field, savedValue(snapshot, { ...s, target }));\n        return {\n          title: `${def.label}${saved ? ` — ${saved}` : \" — (empty)\"}`,\n          value: String(i),\n        };\n      }),\n    );\n    if (choice === null) return null;\n    return { ...slots[Number(choice)]!, ...(target ? { target } : {}) };\n  };\n\n  /** The menu: jump to a step, change an answer, submit, or stop. */\n  const openMenu = async (): Promise<\"stay\" | \"moved\" | \"quit\"> => {\n    const missing = missingFields(snapshot);\n    const action = await prompter.menu(\"What next?\", [\n      { title: \"Continue\", value: \"continue\" },\n      { title: \"Back to the previous question\", value: \"back\", disabled: history.length === 0 },\n      { title: \"Go to a step\", value: \"step\" },\n      { title: \"Add a country\", value: \"country\" },\n      { title: \"Submit\", value: \"submit\", disabled: missing.length > 0 },\n      { title: \"Stop for now (answers are saved)\", value: \"quit\" },\n    ]);\n    if (action === null || action === \"quit\") return \"quit\";\n    if (action === \"back\") return goBack() ? \"moved\" : \"stay\";\n    if (action === \"country\") {\n      // Ask which country, then its questions, as for a new form's first one.\n      forced = { field: \"country.<ISO>.currency\" };\n      return \"moved\";\n    }\n    if (action === \"step\") {\n      const step = await prompter.menu(\n        \"Which step?\",\n        STEPS.filter((s) => s.id !== \"terms-and-conditions\").map((s) => {\n          const left = missing.filter((m) => m.step === s.id).length;\n          return {\n            title: `${left === 0 ? \"✓\" : `${left} left`}  ${s.name}`,\n            value: s.id,\n          };\n        }),\n      );\n      if (step) {\n        const left = missing.filter((m) => m.step === step && !skipped.has(slotKey(fromMissing(m))));\n        if (left.length > 0) {\n          focus = step;\n          return \"moved\";\n        }\n        const slot = await pickInStep(step);\n        if (slot) {\n          forced = slot;\n          return \"moved\";\n        }\n      }\n    }\n    if (action === \"submit\" && (await offerSubmit())) return \"quit\";\n    return \"stay\";\n  };\n\n  /** True when the walk is over: submitted, or handed to the admin form. */\n  const offerSubmit = async (): Promise<boolean> => {\n    if (!(await signedInAsPerson(api))) {\n      submitUrl = onboardingFormUrl() ?? undefined;\n      prompter.note(\n        `Everything is filled in. Submitting records the person who accepts Fluid's terms, so a person has to submit at ${onboardingFormLocation()}, or sign in with \\`fluid login\\` and run this again.`,\n      );\n      return true;\n    }\n    const url = await termsUrl(api, companyId);\n    const choice = await prompter.menu(\n      `Submitting accepts Fluid's payments terms & conditions for the company${url ? ` (${url})` : \"\"}.`,\n      [\n        { title: \"I've read the terms. Submit\", value: \"submit\" },\n        { title: \"Not now\", value: \"later\" },\n      ],\n    );\n    if (choice !== \"submit\") return false;\n    try {\n      await submitOnboarding(api, snapshot);\n    } catch (error) {\n      const status = (error as { status?: number }).status;\n      if (typeof status === \"number\" && status >= 500) {\n        submitUrl = onboardingFormUrl() ?? undefined;\n        prompter.note(`The API couldn't record the acceptance. Submit at ${onboardingFormLocation()}.`);\n        return true;\n      }\n      throw error;\n    }\n    snapshot = await loadSnapshot(api, companyId);\n    submitted = true;\n    prompter.note(\"Submitted. Fluid's team will review it.\");\n    return true;\n  };\n\n  for (;;) {\n    const missing = missingFields(snapshot);\n    let slot = forced;\n    forced = undefined;\n    if (!slot) {\n      const open = missing.filter((m) => !skipped.has(slotKey(fromMissing(m))));\n      let pool = focus ? open.filter((m) => m.step === focus) : open;\n      if (focus && pool.length === 0) {\n        prompter.note(`${stepName(focus)} is done.`);\n        focus = undefined;\n        pool = open;\n      }\n      slot = pool[0] ? fromMissing(pool[0]) : undefined;\n    }\n\n    if (!slot) {\n      if (missing.length === 0) {\n        const choice = await prompter.menu(\"Every required answer is in.\", [\n          { title: \"Submit\", value: \"submit\" },\n          { title: \"Change an answer\", value: \"menu\" },\n          { title: \"Stop for now\", value: \"quit\" },\n        ]);\n        if (choice === \"submit\" && (await offerSubmit())) break;\n        if (choice === \"menu\" && (await openMenu()) !== \"quit\") continue;\n        if (choice === \"submit\") continue;\n        break;\n      }\n      const choice = await prompter.menu(\n        `${skipped.size} skipped question(s) left.`,\n        [\n          { title: \"Go through the skipped questions\", value: \"again\" },\n          { title: \"Menu…\", value: \"menu\" },\n          { title: \"Stop for now\", value: \"quit\" },\n        ],\n      );\n      if (choice === \"again\") {\n        skipped.clear();\n        continue;\n      }\n      if (choice === \"menu\" && (await openMenu()) !== \"quit\") continue;\n      break;\n    }\n\n    // A form with no countries yet asks for `country.<ISO>.…`: pick the\n    // country first, then ask the real question for it.\n    if (slot.field.includes(\"<ISO>\")) {\n      // Countries already on the form are changed from their own step, so\n      // adding one never lands on (and overwrites) an existing country.\n      const existing = new Set(\n        (snapshot.info.countries_info ?? []).map((c) => c.country_iso.toUpperCase()),\n      );\n      const countries = (await countryChoices()).filter((c) => !existing.has(c.value));\n      const reply = await prompter.ask({\n        section: stepName(\"countries\"),\n        message: \"Which country do you sell in? (add more any time with ? → Add a country)\",\n        kind: countries.length > 0 ? \"search\" : \"text\",\n        ...(countries.length > 0\n          ? { choices: countries, hint: \"type to filter\" }\n          : { hint: \"two-letter code, e.g. US\" }),\n        canGoBack: history.length > 0,\n      });\n      if (\"nav\" in reply) {\n        if (reply.nav === \"quit\") break;\n        if (reply.nav === \"back\") {\n          if (!goBack()) forced = slot;\n        } else if (reply.nav === \"skip\") {\n          skipped.add(slotKey(slot));\n          history.push(slot);\n        } else {\n          const after = await openMenu();\n          if (after === \"quit\") break;\n          if (after === \"stay\") forced = slot;\n        }\n        continue;\n      }\n      const iso = reply.value.trim().toUpperCase();\n      if (!/^[A-Z]{2}$/.test(iso)) {\n        prompter.note(\"Pick a country, or type its two-letter code.\");\n        forced = slot;\n        continue;\n      }\n      if (existing.has(iso)) {\n        prompter.note(\n          `${iso} is already on the form. To change it, open the menu and go to the Countries step.`,\n        );\n        forced = slot;\n        continue;\n      }\n      forced = { ...slot, field: slot.field.replace(\"<ISO>\", iso) };\n      continue;\n    }\n\n    const field = fieldFor(slot.field);\n    if (!field) {\n      skipped.add(slotKey(slot));\n      continue;\n    }\n    const step = field.step;\n    const left = missing.filter((m) => m.step === step).length;\n    const current = display(slot.field, savedValue(snapshot, slot));\n    const question = await questionFor(\n      slot,\n      field,\n      current,\n      await options(field),\n      `${stepName(step)}${left > 0 ? ` · ${left} left` : \"\"}`,\n      history.length > 0,\n    );\n    const reply = await prompter.ask(question);\n\n    if (\"nav\" in reply) {\n      if (reply.nav === \"quit\") break;\n      if (reply.nav === \"back\") {\n        if (!goBack()) forced = slot;\n        continue;\n      }\n      if (reply.nav === \"skip\") {\n        skipped.add(slotKey(slot));\n        history.push(slot);\n        continue;\n      }\n      // menu: come back to this question unless the menu moved elsewhere\n      const after = await openMenu();\n      if (after === \"quit\") break;\n      if (after === \"stay\") forced = slot;\n      continue;\n    }\n\n    if (reply.value.trim() === \"\") {\n      if (current !== undefined) {\n        history.push(slot); // Enter keeps the saved answer\n      } else {\n        prompter.note(\"Type an answer, or > to skip.\");\n        forced = slot;\n      }\n      continue;\n    }\n    if (await save(slot, field, reply.value)) {\n      answered += 1;\n      history.push(slot);\n    } else {\n      forced = slot;\n    }\n  }\n\n  const after = summarize(snapshot);\n  return {\n    answered,\n    skipped: [...skipped].map((k) => k.split(\"|\")[0]!),\n    status: after.status,\n    readyToSubmit: after.readyToSubmit,\n    missingCount: after.missingCount,\n    submitted,\n    ...(submitUrl ? { submitUrl } : {}),\n  };\n}\n","import type { Command } from \"commander\";\nimport prompts from \"prompts\";\nimport type { CommandContext, FluidPlugin } from \"@fluid-app/fluid-cli\";\nimport { createDomainCommand } from \"@fluid-app/fluid-cli\";\n\nimport {\n  applyPlan,\n  currentCompanyId,\n  listOptions,\n  loadSnapshot,\n  OPTION_LISTS,\n  parseTarget,\n  providerStatuses,\n  removeRecord,\n  submitOnboarding,\n  termsUrl,\n  assertComplete,\n  onboardingFormLocation,\n  onboardingFormUrl,\n  signedInAsPerson,\n  type OnboardingClient,\n  type OptionList,\n  type RemovableRecord,\n} from \"./api.js\";\nimport { buildPlan, describePlan, isEmptyPlan, parseIdType } from \"./assign.js\";\nimport {\n  FIELDS,\n  ID_TYPES,\n  MAX_UPLOAD_BYTES,\n  STEPS,\n  type Group,\n  type StepId,\n} from \"./fields.js\";\nimport { assertInteractive, terminalPrompter } from \"@fluid-app/fluid-cli\";\nimport { summarize } from \"./summary.js\";\nimport { walkOnboarding } from \"./walk.js\";\nimport { OnboardingError } from \"./types.js\";\n\nasync function client(ctx: CommandContext): Promise<OnboardingClient> {\n  return (await ctx.getClient()) as unknown as OnboardingClient;\n}\n\n/**\n * Changes to the onboarding form need an explicit yes. Scripts and agents\n * pass `--yes`; an interactive terminal is asked. With neither, nothing runs.\n */\nexport async function confirmChange(\n  question: string,\n  yes: boolean,\n  interactive: boolean = Boolean(process.stdin.isTTY),\n): Promise<void> {\n  if (yes) return;\n  if (!interactive)\n    throw new OnboardingError(`${question} Pass --yes to confirm.`);\n  const answer = await prompts({\n    type: \"confirm\",\n    name: \"ok\",\n    message: question,\n    initial: false,\n  });\n  if (!answer.ok) throw new OnboardingError(\"Cancelled.\");\n}\n\n/**\n * Print a failure as JSON on stderr and exit non-zero. The API's error body\n * names fields and reasons, never the submitted values, so its `errors` are\n * passed through as `details`.\n */\nexport function fail(\n  err: unknown,\n  write: (text: string) => void = (t) => process.stderr.write(t),\n): void {\n  const status =\n    typeof (err as { status?: unknown }).status === \"number\"\n      ? (err as { status: number }).status\n      : undefined;\n  const body = (err as { body?: Record<string, unknown> | null }).body;\n  const apiDetail =\n    body && (body[\"errors\"] ?? body[\"error\"] ?? body[\"error_message\"]);\n  const message =\n    typeof body?.[\"error_message\"] === \"string\"\n      ? (body[\"error_message\"] as string)\n      : typeof apiDetail === \"string\"\n        ? apiDetail\n        : err instanceof Error\n          ? err.message\n          : String(err);\n  const details =\n    err instanceof OnboardingError && err.details !== undefined\n      ? err.details\n      : apiDetail && typeof apiDetail === \"object\"\n        ? apiDetail\n        : undefined;\n  write(\n    JSON.stringify({\n      error: message,\n      ...(status ? { status } : {}),\n      ...(details !== undefined ? { details } : {}),\n    }) + \"\\n\",\n  );\n  process.exitCode = 1;\n}\n\nfunction run(action: () => Promise<void>): Promise<void> {\n  return action().catch((err) => fail(err));\n}\n\nconst collect = (value: string, previous: string[] = []): string[] => [\n  ...previous,\n  value,\n];\n\nconst GROUPS: readonly Group[] = [\n  \"info\",\n  \"entity\",\n  \"bank\",\n  \"owner\",\n  \"country\",\n  \"underwriting\",\n];\n\nexport function registerOnboardingCommands(\n  parent: Command,\n  ctx: CommandContext,\n): void {\n  const onboarding = parent\n    .command(\"onboarding\")\n    .description(\n      \"Payments onboarding (KYC): see what's missing, fill it in, and submit\",\n    );\n\n  onboarding\n    .command(\"show\")\n    .description(\n      \"Status, each step, the required fields still missing, and the records on the form (sensitive values masked)\",\n    )\n    .option(\n      \"--step <id>\",\n      `Only list what's missing in one step: ${STEPS.map((s) => s.id).join(\", \")}`,\n    )\n    .action((opts: { step?: string }) =>\n      run(async () => {\n        if (opts.step && !STEPS.some((s) => s.id === opts.step)) {\n          throw new OnboardingError(\n            `--step must be one of ${STEPS.map((s) => s.id).join(\", \")}.`,\n          );\n        }\n        const api = await client(ctx);\n        const companyId = await currentCompanyId(api);\n        const snapshot = await loadSnapshot(api, companyId);\n        const summary = summarize(snapshot);\n        const missing = opts.step\n          ? summary.missing.filter((m) => m.step === (opts.step as StepId))\n          : summary.missing;\n        ctx.output({\n          ...summary,\n          missing,\n          termsUrl: summary.termsAgreed\n            ? undefined\n            : await termsUrl(api, companyId),\n          providers: summary.submitted\n            ? await providerStatuses(api, companyId)\n            : undefined,\n        });\n      }),\n    );\n\n  onboarding\n    .command(\"fields\")\n    .description(\n      \"The full field schema: keys for --set/--file, types, options, and when each is required\",\n    )\n    .option(\"--group <group>\", `Only one group: ${GROUPS.join(\", \")}`)\n    .option(\n      \"--required\",\n      \"Only fields that are always or conditionally required\",\n      false,\n    )\n    .action((opts: { group?: string; required: boolean }) =>\n      run(async () => {\n        if (opts.group && !(GROUPS as readonly string[]).includes(opts.group)) {\n          throw new OnboardingError(\n            `--group must be one of ${GROUPS.join(\", \")}.`,\n          );\n        }\n        const fields = FIELDS.filter(\n          (f) =>\n            (!opts.group || f.group === opts.group) &&\n            (!opts.required || f.required !== \"optional\"),\n        );\n        ctx.output({\n          steps: STEPS,\n          targets: {\n            entity:\n              \"--entity <id|new>; defaults to the primary legal entity, created if there is none\",\n            bank: \"--bank <id|new>; defaults to the primary bank account, created if there is none\",\n            owner:\n              \"--owner <id|new>; defaults to the onboarding contact (you), created if there is none\",\n            country:\n              \"country.<ISO>.<field>, e.g. country.US.currency=USD; adds the country if it's new\",\n          },\n          documents: {\n            flag: \"--file <key>=<path>\",\n            maxBytes: MAX_UPLOAD_BYTES,\n            multiFile:\n              \"files-type documents add to what's there; pass --replace-files to start over\",\n            governmentIdTypes: ID_TYPES,\n            linkOrFile:\n              \"link_or_file documents take a URL with --set <key>.link=<url> or a file with --file\",\n          },\n          fields,\n        });\n      }),\n    );\n\n  onboarding\n    .command(\"options <list>\")\n    .description(`Values for choice fields: ${OPTION_LISTS.join(\", \")}`)\n    .option(\"--country <iso>\", \"business-types: the types for one country\")\n    .action((list: string, opts: { country?: string }) =>\n      run(async () => {\n        if (!(OPTION_LISTS as readonly string[]).includes(list)) {\n          throw new OnboardingError(\n            `List must be one of ${OPTION_LISTS.join(\", \")}.`,\n          );\n        }\n        ctx.output(\n          await listOptions(\n            await client(ctx),\n            list as OptionList,\n            opts.country,\n          ),\n        );\n      }),\n    );\n\n  onboarding\n    .command(\"set\")\n    .description(\n      \"Save fields and upload documents, then print what's still missing (changes live data)\",\n    )\n    .option(\n      \"--set <key=value>\",\n      \"A field from `fields`, e.g. entity.legal_name=Acme Inc (repeatable)\",\n      collect,\n      [],\n    )\n    .option(\n      \"--file <key=path>\",\n      \"Upload a document, e.g. entity.business_license=./license.pdf (repeatable)\",\n      collect,\n      [],\n    )\n    .option(\"--entity <id|new>\", \"Which legal entity entity.* fields go to\")\n    .option(\"--bank <id|new>\", \"Which bank account bank.* fields go to\")\n    .option(\"--owner <id|new>\", \"Which person owner.* fields go to\")\n    .option(\n      \"--id-type <type>\",\n      `Government ID type for owner.government_issued_ids: ${ID_TYPES.join(\", \")}`,\n    )\n    .option(\n      \"--replace-files\",\n      \"Replace a multi-file document's files instead of adding to them\",\n      false,\n    )\n    .option(\"--yes\", \"Confirm without a prompt\", false)\n    .action(\n      (opts: {\n        set: string[];\n        file: string[];\n        entity?: string;\n        bank?: string;\n        owner?: string;\n        idType?: string;\n        replaceFiles: boolean;\n        yes: boolean;\n      }) =>\n        run(async () => {\n          const plan = buildPlan(opts.set, opts.file);\n          if (isEmptyPlan(plan)) {\n            throw new OnboardingError(\n              \"Pass fields with --set key=value or documents with --file key=path.\",\n            );\n          }\n          const targets = {\n            entity: parseTarget(\"--entity\", opts.entity),\n            bank: parseTarget(\"--bank\", opts.bank),\n            owner: parseTarget(\"--owner\", opts.owner),\n            idType: parseIdType(opts.idType),\n            replaceFiles: opts.replaceFiles,\n          };\n          const api = await client(ctx);\n          const companyId = await currentCompanyId(api);\n          const snapshot = await loadSnapshot(api, companyId);\n          const count = opts.set.length + opts.file.length;\n          await confirmChange(\n            `Save ${count} onboarding change(s) for company ${companyId}?`,\n            opts.yes,\n          );\n          const saved = await applyPlan(api, snapshot, plan, targets);\n          const after = summarize(await loadSnapshot(api, companyId));\n          ctx.output({\n            saved,\n            changed: describePlan(plan),\n            status: after.status,\n            readyToSubmit: after.readyToSubmit,\n            missingCount: after.missingCount,\n            steps: after.steps,\n            missing: after.missing,\n          });\n        }),\n    );\n\n  onboarding\n    .command(\"walk\")\n    .description(\n      \"Answer the form question by question in the terminal: go back, skip, jump to a step, or change an answer; each answer is saved as you go (changes live data)\",\n    )\n    .option(\"--step <id>\", `Start at a step: ${STEPS.map((s) => s.id).join(\", \")}`)\n    .action((opts: { step?: string }) =>\n      run(async () => {\n        assertInteractive(\"`show` to see what's missing and `set` to fill it in\");\n        const step = opts.step as StepId | undefined;\n        if (step && !STEPS.some((s) => s.id === step)) {\n          throw new OnboardingError(\n            `Unknown step \"${step}\". Use one of: ${STEPS.map((s) => s.id).join(\", \")}.`,\n          );\n        }\n        const api = await client(ctx);\n        const companyId = await currentCompanyId(api);\n        ctx.output(\n          await walkOnboarding(\n            { api, companyId, prompter: terminalPrompter() },\n            { step },\n          ),\n        );\n      }),\n    );\n\n  onboarding\n    .command(\"remove <record> <id>\")\n    .description(\n      \"Remove a legal entity, bank account, or person by id, or a country by ISO code (changes live data)\",\n    )\n    .option(\"--yes\", \"Confirm without a prompt\", false)\n    .action((record: string, id: string, opts: { yes: boolean }) =>\n      run(async () => {\n        const records: readonly RemovableRecord[] = [\n          \"entity\",\n          \"bank\",\n          \"owner\",\n          \"country\",\n        ];\n        if (!(records as readonly string[]).includes(record)) {\n          throw new OnboardingError(\n            `Record must be one of ${records.join(\", \")}.`,\n          );\n        }\n        const api = await client(ctx);\n        const snapshot = await loadSnapshot(api, await currentCompanyId(api));\n        await confirmChange(\n          `Remove ${record} ${id} from the onboarding form?`,\n          opts.yes,\n        );\n        ctx.output(\n          await removeRecord(api, snapshot, record as RemovableRecord, id),\n        );\n      }),\n    );\n\n  onboarding\n    .command(\"submit\")\n    .description(\n      \"Accept Fluid's terms and submit the form for review; refused while anything is missing (changes live data)\",\n    )\n    .option(\n      \"--accept-terms\",\n      \"Accept Fluid's payments terms & conditions for the company (required)\",\n      false,\n    )\n    .option(\"--yes\", \"Confirm without a prompt\", false)\n    .action((opts: { acceptTerms: boolean; yes: boolean }) =>\n      run(async () => {\n        const api = await client(ctx);\n        const companyId = await currentCompanyId(api);\n        const snapshot = await loadSnapshot(api, companyId);\n        const before = summarize(snapshot);\n        if (before.submitted) {\n          ctx.output({\n            status: \"submitted\",\n            alreadySubmitted: true,\n            providers: await providerStatuses(api, companyId),\n          });\n          return;\n        }\n        assertComplete(snapshot);\n        if (!(await signedInAsPerson(api))) {\n          // Submitting records who accepted the terms. A company API token\n          // has no person behind it, so hand the last step to the admin form.\n          ctx.output({\n            status: \"ready_to_submit\",\n            submitted: false,\n            submitUrl: onboardingFormUrl(),\n            submitAt: onboardingFormLocation(),\n            reason:\n              \"Every required field is filled in. Submitting records the person who accepts Fluid's terms, so a person has to submit: open the form at submitAt and submit there, or sign in with `fluid login` (email) and run this again.\",\n          });\n          return;\n        }\n        if (!opts.acceptTerms) {\n          const url = await termsUrl(api, companyId);\n          throw new OnboardingError(\n            `Submitting accepts Fluid's payments terms & conditions for the company${url ? ` (${url})` : \"\"}. Read them, then pass --accept-terms.`,\n          );\n        }\n        await confirmChange(\n          `Accept the terms and submit payments onboarding for company ${companyId}?`,\n          opts.yes,\n        );\n        try {\n          await submitOnboarding(api, snapshot);\n        } catch (error) {\n          const status = (error as { status?: number }).status;\n          if (typeof status === \"number\" && status >= 500) {\n            throw new OnboardingError(\n              `The API couldn't record the acceptance. Submit from the onboarding form instead: ${onboardingFormLocation()}`,\n            );\n          }\n          throw error;\n        }\n        ctx.output({\n          status: \"submitted\",\n          submitted: true,\n          providers: await providerStatuses(api, companyId),\n        });\n      }),\n    );\n}\n\nconst plugin: FluidPlugin = {\n  name: \"@fluid-app/fluid-cli-payments\",\n  version: \"0.1.0\",\n  register(ctx) {\n    ctx.program.addCommand(\n      createDomainCommand(\n        \"payments\",\n        \"Payments onboarding: what's missing, fill it in, and submit\",\n        registerOnboardingCommands,\n      ),\n    );\n  },\n};\n\nexport default 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package/package.json

@@ -1,6 +1,84 @@
 {
   "name": "@fluid-app/fluid-cli-payments",
-  "version": "0.0.0-stage",
-  "stub": true,
-  "description": "Temporary package placeholder for staged publishing"
+  "version": "0.1.0",
+  "description": "Fluid CLI plugin for payments onboarding — see what is missing, fill in fields and documents, and submit",
+  "files": [
+    "dist",
+    "README.md"
+  ],
+  "type": "module",
+  "main": "./dist/index.mjs",
+  "types": "./dist/index.d.mts",
+  "exports": {
+    ".": {
+      "import": {
+        "types": "./dist/index.d.mts",
+        "default": "./dist/index.mjs"
+      }
+    }
+  },
+  "publishConfig": {
+    "access": "public"
+  },
+  "dependencies": {
+    "@fluid-app/fluid-cli": "0.1.35",
+    "commander": "^12.0.0",
+    "prompts": "^2.4.2"
+  },
+  "devDependencies": {
+    "@fluid-app/typescript-config": "0.0.0",
+    "@swc/core": "^1.15.18",
+    "@swc/jest": "^0.2.39",
+    "@types/jest": "^29.5.14",
+    "@types/node": "24.10.12",
+    "@types/prompts": "^2.4.9",
+    "jest": "^29.7.0",
+    "tsdown": "^0.21.0",
+    "typescript": "^5"
+  },
+  "engines": {
+    "node": ">=24.0.0"
+  },
+  "nx": {
+    "targets": {
+      "typecheck": {
+        "dependsOn": [
+          {
+            "target": "build",
+            "projects": [
+              "@fluid-app/fluid-cli"
+            ]
+          }
+        ]
+      },
+      "test": {
+        "dependsOn": [
+          {
+            "target": "build",
+            "projects": [
+              "@fluid-app/fluid-cli"
+            ]
+          }
+        ]
+      },
+      "build": {
+        "dependsOn": [
+          "typecheck",
+          {
+            "target": "build",
+            "projects": [
+              "@fluid-app/fluid-cli"
+            ]
+          }
+        ]
+      }
+    }
+  },
+  "scripts": {
+    "build": "tsdown",
+    "dev": "tsdown --watch",
+    "typecheck": "tsgo --noEmit",
+    "lint": "oxlint",
+    "test": "jest"
+  }
 }