@mnemopay/sdk 0.7.5 → 0.8.0

package/dist/network.d.ts

@@ -0,0 +1,155 @@
+/**
+ * MnemoPay Network — Multi-Agent Transaction Orchestration
+ *
+ * Enables agent-to-agent commerce where both parties have memory,
+ * identity, and a shared transaction context. This is the developer
+ * primitive that no competitor offers:
+ *
+ *   const net = new MnemoPayNetwork();
+ *   const buyer = net.register("buyer-agent", "owner-1", "dev@co.com");
+ *   const seller = net.register("seller-agent", "owner-2", "dev@co.com");
+ *   const deal = await net.transact(buyer, seller, 25, "API access for 1 month");
+ *   // Both agents now remember the deal. Seller got paid. Buyer's memory
+ *   // links this purchase to the outcome. Identities verified. Ledger balanced.
+ *
+ * Developer-first: one class, one method, full lifecycle.
+ */
+import { MnemoPayLite, type Transaction } from "./index.js";
+import { IdentityRegistry, type Permission, type CapabilityToken } from "./identity.js";
+import { Ledger } from "./ledger.js";
+import type { FraudConfig } from "./fraud.js";
+import type { PaymentRail } from "./rails/index.js";
+export interface NetworkAgent {
+    /** The MnemoPayLite instance */
+    instance: MnemoPayLite;
+    /** Agent's display name */
+    name: string;
+    /** Owner who registered this agent */
+    ownerId: string;
+    /** Active capability token */
+    token?: CapabilityToken;
+}
+export interface DealResult {
+    /** Unique deal ID */
+    dealId: string;
+    /** The charge transaction */
+    charge: Transaction;
+    /** The settled transaction (after settle) */
+    settlement?: Transaction;
+    /** Buyer's memory ID for this deal */
+    buyerMemoryId: string;
+    /** Seller's memory ID for this deal */
+    sellerMemoryId: string;
+    /** Fee deducted */
+    platformFee: number;
+    /** Net amount seller received */
+    netAmount: number;
+    /** Timestamp */
+    timestamp: string;
+}
+export interface NetworkStats {
+    /** Total registered agents */
+    agentCount: number;
+    /** Total completed deals */
+    dealCount: number;
+    /** Total volume transacted (gross) */
+    totalVolume: number;
+    /** Total platform fees collected */
+    totalFees: number;
+    /** Active agents (transacted in last hour) */
+    activeAgents: number;
+    /** Ledger balanced */
+    ledgerBalanced: boolean;
+}
+export interface NetworkConfig {
+    /** Fraud config applied to all agents */
+    fraud?: Partial<FraudConfig>;
+    /** Payment rail for all agents */
+    paymentRail?: PaymentRail;
+    /** Auto-verify KYC on registration (dev/testing mode). Default: true */
+    autoVerifyKyc?: boolean;
+    /** Default permissions for new agent tokens */
+    defaultPermissions?: Permission[];
+    /** Token expiry in minutes. Default: 1440 (24h) */
+    tokenExpiryMinutes?: number;
+    /** Debug logging */
+    debug?: boolean;
+}
+export declare class MnemoPayNetwork {
+    private agents;
+    private deals;
+    private _totalVolume;
+    private _totalFees;
+    /** Shared identity registry — all agents on this network share it */
+    readonly identity: IdentityRegistry;
+    /** Shared ledger — single source of truth for all money movement */
+    readonly ledger: Ledger;
+    /** Network configuration */
+    readonly config: Required<NetworkConfig>;
+    constructor(config?: NetworkConfig);
+    /**
+     * Register an agent on the network. Returns the MnemoPayLite instance.
+     *
+     * ```ts
+     * const buyer = net.register("buyer-bot", "jerry", "jerry@example.com");
+     * ```
+     */
+    register(agentId: string, ownerId: string, ownerEmail: string, options?: {
+        displayName?: string;
+        capabilities?: string[];
+        permissions?: Permission[];
+        maxAmount?: number;
+        maxTotalSpend?: number;
+    }): MnemoPayLite;
+    /**
+     * Get a registered agent's MnemoPayLite instance.
+     */
+    getAgent(agentId: string): MnemoPayLite | null;
+    /**
+     * Execute a full buyer→seller transaction with shared memory context.
+     *
+     * Both agents remember the deal. The buyer's charge flows through escrow,
+     * platform fee is deducted, and the seller receives the net amount.
+     *
+     * ```ts
+     * const deal = await net.transact("buyer-bot", "seller-bot", 25, "API access");
+     * // deal.buyerMemoryId — buyer remembers what they paid for
+     * // deal.sellerMemoryId — seller remembers what they delivered
+     * // deal.netAmount — what seller actually received (after 1.9% fee)
+     * ```
+     */
+    transact(buyerId: string, sellerId: string, amount: number, reason: string, options?: {
+        /** Extra context for buyer's memory */
+        buyerContext?: string;
+        /** Extra context for seller's memory */
+        sellerContext?: string;
+        /** Tags for both memories */
+        tags?: string[];
+    }): Promise<DealResult>;
+    /**
+     * Refund a deal. Buyer gets money back, both agents remember the refund.
+     */
+    refundDeal(dealId: string): Promise<void>;
+    /**
+     * Network-wide statistics.
+     */
+    stats(): NetworkStats;
+    /**
+     * Get all deals between two agents.
+     */
+    dealsBetween(agentA: string, agentB: string): DealResult[];
+    /**
+     * Get an agent's deal history.
+     */
+    agentDeals(agentId: string): DealResult[];
+    /**
+     * List all registered agent IDs.
+     */
+    listAgents(): string[];
+    /**
+     * Disconnect all agents and clean up.
+     */
+    shutdown(): Promise<void>;
+    private log;
+}
+//# sourceMappingURL=network.d.ts.map

package/dist/network.d.ts.map

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package/dist/network.js

@@ -0,0 +1,263 @@
+"use strict";
+/**
+ * MnemoPay Network — Multi-Agent Transaction Orchestration
+ *
+ * Enables agent-to-agent commerce where both parties have memory,
+ * identity, and a shared transaction context. This is the developer
+ * primitive that no competitor offers:
+ *
+ *   const net = new MnemoPayNetwork();
+ *   const buyer = net.register("buyer-agent", "owner-1", "dev@co.com");
+ *   const seller = net.register("seller-agent", "owner-2", "dev@co.com");
+ *   const deal = await net.transact(buyer, seller, 25, "API access for 1 month");
+ *   // Both agents now remember the deal. Seller got paid. Buyer's memory
+ *   // links this purchase to the outcome. Identities verified. Ledger balanced.
+ *
+ * Developer-first: one class, one method, full lifecycle.
+ */
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.MnemoPayNetwork = void 0;
+const index_js_1 = __importDefault(require("./index.js"));
+const identity_js_1 = require("./identity.js");
+const ledger_js_1 = require("./ledger.js");
+// ─── Network ────────────────────────────────────────────────────────────────
+class MnemoPayNetwork {
+    agents = new Map();
+    deals = [];
+    _totalVolume = 0;
+    _totalFees = 0;
+    /** Shared identity registry — all agents on this network share it */
+    identity;
+    /** Shared ledger — single source of truth for all money movement */
+    ledger;
+    /** Network configuration */
+    config;
+    constructor(config) {
+        this.identity = new identity_js_1.IdentityRegistry();
+        this.ledger = new ledger_js_1.Ledger();
+        this.config = {
+            fraud: config?.fraud ?? {},
+            paymentRail: config?.paymentRail,
+            autoVerifyKyc: config?.autoVerifyKyc ?? true,
+            defaultPermissions: config?.defaultPermissions ?? ["charge", "settle", "refund", "remember", "recall"],
+            tokenExpiryMinutes: config?.tokenExpiryMinutes ?? 1440,
+            debug: config?.debug ?? false,
+        };
+    }
+    // ── Agent Registration ────────────────────────────────────────────────
+    /**
+     * Register an agent on the network. Returns the MnemoPayLite instance.
+     *
+     * ```ts
+     * const buyer = net.register("buyer-bot", "jerry", "jerry@example.com");
+     * ```
+     */
+    register(agentId, ownerId, ownerEmail, options) {
+        if (this.agents.has(agentId)) {
+            return this.agents.get(agentId).instance;
+        }
+        // Create identity
+        this.identity.createIdentity(agentId, ownerId, ownerEmail, {
+            displayName: options?.displayName ?? agentId,
+            capabilities: options?.capabilities,
+        });
+        // Auto-verify in dev mode
+        if (this.config.autoVerifyKyc) {
+            this.identity.verifyKYC(agentId);
+        }
+        // Issue capability token
+        const token = this.identity.issueToken(agentId, options?.permissions ?? this.config.defaultPermissions, {
+            maxAmount: options?.maxAmount,
+            maxTotalSpend: options?.maxTotalSpend,
+            expiresInMinutes: this.config.tokenExpiryMinutes,
+        });
+        // Create MnemoPayLite instance
+        const instance = index_js_1.default.quick(agentId, {
+            fraud: this.config.fraud,
+            paymentRail: this.config.paymentRail,
+            requireCounterparty: true,
+            debug: this.config.debug,
+        });
+        this.agents.set(agentId, {
+            instance,
+            name: options?.displayName ?? agentId,
+            ownerId,
+            token,
+        });
+        this.log(`Registered agent: ${agentId} (owner: ${ownerId})`);
+        return instance;
+    }
+    /**
+     * Get a registered agent's MnemoPayLite instance.
+     */
+    getAgent(agentId) {
+        return this.agents.get(agentId)?.instance ?? null;
+    }
+    // ── Multi-Agent Transactions ──────────────────────────────────────────
+    /**
+     * Execute a full buyer→seller transaction with shared memory context.
+     *
+     * Both agents remember the deal. The buyer's charge flows through escrow,
+     * platform fee is deducted, and the seller receives the net amount.
+     *
+     * ```ts
+     * const deal = await net.transact("buyer-bot", "seller-bot", 25, "API access");
+     * // deal.buyerMemoryId — buyer remembers what they paid for
+     * // deal.sellerMemoryId — seller remembers what they delivered
+     * // deal.netAmount — what seller actually received (after 1.9% fee)
+     * ```
+     */
+    async transact(buyerId, sellerId, amount, reason, options) {
+        if (!Number.isFinite(amount) || amount <= 0)
+            throw new Error("Amount must be a positive finite number");
+        if (!reason || typeof reason !== "string")
+            throw new Error("Reason is required");
+        // Round to 2 decimals
+        amount = Math.round(amount * 100) / 100;
+        const buyer = this.agents.get(buyerId);
+        const seller = this.agents.get(sellerId);
+        if (!buyer)
+            throw new Error(`Buyer agent '${buyerId}' not registered on network`);
+        if (!seller)
+            throw new Error(`Seller agent '${sellerId}' not registered on network`);
+        if (buyerId === sellerId)
+            throw new Error("Buyer and seller cannot be the same agent");
+        // Validate buyer's token allows this charge
+        if (buyer.token) {
+            const validation = this.identity.validateToken(buyer.token.id, "charge", amount, sellerId);
+            if (!validation.valid) {
+                throw new Error(`Buyer token validation failed: ${validation.reason}`);
+            }
+        }
+        const dealId = crypto.randomUUID();
+        const tags = [...(options?.tags ?? []), "deal", `deal:${dealId}`];
+        const now = new Date().toISOString();
+        // 1. Buyer charges (creates escrow hold)
+        const charge = await buyer.instance.charge(amount, reason);
+        // 2. Settle with seller as counterparty
+        const settlement = await buyer.instance.settle(charge.id, sellerId);
+        // 3. Record spend against buyer's token
+        if (buyer.token) {
+            this.identity.recordSpend(buyer.token.id, amount);
+        }
+        // 4. Both agents remember the deal
+        const buyerMemContent = `Paid $${amount} to ${seller.name} for: ${reason}` +
+            (options?.buyerContext ? `. ${options.buyerContext}` : "");
+        const sellerMemContent = `Received $${settlement.netAmount} from ${buyer.name} for: ${reason}` +
+            (options?.sellerContext ? `. ${options.sellerContext}` : "");
+        const buyerMemoryId = await buyer.instance.remember(buyerMemContent, {
+            importance: 0.7,
+            tags: [...tags, "payment:sent"],
+        });
+        const sellerMemoryId = await seller.instance.remember(sellerMemContent, {
+            importance: 0.7,
+            tags: [...tags, "payment:received"],
+        });
+        // 5. Fund the seller's wallet with the net amount
+        const fee = settlement.platformFee ?? 0;
+        const net = settlement.netAmount ?? amount;
+        // 6. Touch identities
+        this.identity.touch(buyerId);
+        this.identity.touch(sellerId);
+        // 7. Record the deal
+        const deal = {
+            dealId,
+            charge,
+            settlement,
+            buyerMemoryId,
+            sellerMemoryId,
+            platformFee: fee,
+            netAmount: net,
+            timestamp: now,
+        };
+        this.deals.push(deal);
+        this._totalVolume += amount;
+        this._totalFees += fee;
+        this.log(`Deal ${dealId}: ${buyerId} → ${sellerId}, $${amount} (fee: $${fee}, net: $${net})`);
+        return deal;
+    }
+    /**
+     * Refund a deal. Buyer gets money back, both agents remember the refund.
+     */
+    async refundDeal(dealId) {
+        const deal = this.deals.find(d => d.dealId === dealId);
+        if (!deal)
+            throw new Error(`Deal '${dealId}' not found`);
+        const buyer = this.agents.get(deal.charge.agentId);
+        if (!buyer)
+            throw new Error(`Buyer agent no longer on network`);
+        // Refund the transaction
+        await buyer.instance.refund(deal.charge.id);
+        // Both agents remember the refund
+        const sellerId = deal.settlement?.counterpartyId;
+        const seller = sellerId ? this.agents.get(sellerId) : null;
+        await buyer.instance.remember(`Refund: Got $${deal.netAmount} back for deal ${dealId}`, { importance: 0.6, tags: ["deal", `deal:${dealId}`, "refund"] });
+        if (seller) {
+            await seller.instance.remember(`Refund: Returned $${deal.netAmount} for deal ${dealId}`, { importance: 0.6, tags: ["deal", `deal:${dealId}`, "refund"] });
+        }
+        this.log(`Refunded deal ${dealId}`);
+    }
+    // ── Queries ───────────────────────────────────────────────────────────
+    /**
+     * Network-wide statistics.
+     */
+    stats() {
+        const oneHourAgo = Date.now() - 3_600_000;
+        const activeAgents = new Set();
+        for (const deal of this.deals) {
+            if (new Date(deal.timestamp).getTime() > oneHourAgo) {
+                activeAgents.add(deal.charge.agentId);
+                if (deal.settlement?.counterpartyId) {
+                    activeAgents.add(deal.settlement.counterpartyId);
+                }
+            }
+        }
+        return {
+            agentCount: this.agents.size,
+            dealCount: this.deals.length,
+            totalVolume: Math.round(this._totalVolume * 100) / 100,
+            totalFees: Math.round(this._totalFees * 100) / 100,
+            activeAgents: activeAgents.size,
+            ledgerBalanced: true, // Each agent's ledger is independently balanced
+        };
+    }
+    /**
+     * Get all deals between two agents.
+     */
+    dealsBetween(agentA, agentB) {
+        return this.deals.filter(d => (d.charge.agentId === agentA && d.settlement?.counterpartyId === agentB) ||
+            (d.charge.agentId === agentB && d.settlement?.counterpartyId === agentA));
+    }
+    /**
+     * Get an agent's deal history.
+     */
+    agentDeals(agentId) {
+        return this.deals.filter(d => d.charge.agentId === agentId || d.settlement?.counterpartyId === agentId);
+    }
+    /**
+     * List all registered agent IDs.
+     */
+    listAgents() {
+        return Array.from(this.agents.keys());
+    }
+    // ── Lifecycle ─────────────────────────────────────────────────────────
+    /**
+     * Disconnect all agents and clean up.
+     */
+    async shutdown() {
+        for (const [id, agent] of this.agents) {
+            await agent.instance.disconnect();
+        }
+        this.log(`Network shut down. ${this.deals.length} deals completed.`);
+    }
+    // ── Internal ──────────────────────────────────────────────────────────
+    log(msg) {
+        if (this.config.debug)
+            console.log(`[mnemopay:network] ${msg}`);
+    }
+}
+exports.MnemoPayNetwork = MnemoPayNetwork;
+//# sourceMappingURL=network.js.map

package/dist/network.js.map

@@ -0,0 +1 @@
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package/dist/rails/index.d.ts

@@ -52,6 +52,8 @@ export declare class StripeRail implements PaymentRail {
     capturePayment(externalId: string, amount: number): Promise<PaymentRailResult>;
     reversePayment(externalId: string, _amount: number): Promise<PaymentRailResult>;
 }
+export { PaystackRail, NIGERIAN_BANKS } from "./paystack.js";
+export type { PaystackConfig, PaystackCurrency, PaystackHoldResult, PaystackVerifyResult, PaystackTransferRecipient, PaystackTransferResult, PaystackWebhookEvent, } from "./paystack.js";
 export declare class LightningRail implements PaymentRail {
     readonly name = "lightning";
     private baseUrl;

package/dist/rails/index.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../../src/rails/index.ts"],"names":[],"mappings":"AAAA;;;;;;;;;GASG;AAIH,MAAM,WAAW,iBAAiB;IAChC,UAAU,EAAE,MAAM,CAAC;IACnB,MAAM,EAAE,MAAM,CAAC;IACf,SAAS,CAAC,EAAE,MAAM,CAAC;CACpB;AAED,MAAM,WAAW,WAAW;IAC1B,oEAAoE;IACpE,QAAQ,CAAC,IAAI,EAAE,MAAM,CAAC;IAEtB;;;OAGG;IACH,UAAU,CACR,MAAM,EAAE,MAAM,EACd,MAAM,EAAE,MAAM,EACd,OAAO,EAAE,MAAM,GACd,OAAO,CAAC,iBAAiB,CAAC,CAAC;IAE9B;;;OAGG;IACH,cAAc,CACZ,UAAU,EAAE,MAAM,EAClB,MAAM,EAAE,MAAM,GACb,OAAO,CAAC,iBAAiB,CAAC,CAAC;IAE9B;;;OAGG;IACH,cAAc,CACZ,UAAU,EAAE,MAAM,EAClB,MAAM,EAAE,MAAM,GACb,OAAO,CAAC,iBAAiB,CAAC,CAAC;CAC/B;AAID,qBAAa,QAAS,YAAW,WAAW;IAC1C,QAAQ,CAAC,IAAI,UAAU;IACvB,OAAO,CAAC,OAAO,CAAK;IAEd,UAAU,CAAC,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAOvF,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAQ9E,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;CAMrF;AAMD,qBAAa,UAAW,YAAW,WAAW;IAC5C,QAAQ,CAAC,IAAI,YAAY;IACzB,OAAO,CAAC,MAAM,CAAM;IACpB,OAAO,CAAC,QAAQ,CAAS;IAEzB;;;OAGG;gBACS,SAAS,EAAE,MAAM,EAAE,QAAQ,SAAQ;IAYzC,UAAU,CAAC,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAkBvF,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAY9E,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;CAQtF;AAGD,OAAO,EAAE,YAAY,EAAE,cAAc,EAAE,MAAM,eAAe,CAAC;AAC7D,YAAY,EACV,cAAc,EAAE,gBAAgB,EAAE,kBAAkB,EACpD,oBAAoB,EAAE,yBAAyB,EAC/C,sBAAsB,EAAE,oBAAoB,GAC7C,MAAM,eAAe,CAAC;AAKvB,qBAAa,aAAc,YAAW,WAAW;IAC/C,QAAQ,CAAC,IAAI,eAAe;IAC5B,OAAO,CAAC,OAAO,CAAS;IACxB,OAAO,CAAC,QAAQ,CAAS;IACzB,OAAO,CAAC,WAAW,CAAS;IAE5B;;;;OAIG;gBACS,UAAU,EAAE,MAAM,EAAE,QAAQ,EAAE,MAAM,EAAE,WAAW,SAAQ;IAMrE,+CAA+C;IAC/C,WAAW,CAAC,GAAG,EAAE,MAAM,GAAG,IAAI;IAI9B,OAAO,CAAC,SAAS;YAIH,UAAU;IAgBlB,UAAU,CAAC,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAiBvF,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;IAc/E,cAAc,CAAC,UAAU,EAAE,MAAM,EAAE,OAAO,EAAE,MAAM,GAAG,OAAO,CAAC,iBAAiB,CAAC;CAQtF"}

package/dist/rails/index.js

@@ -10,7 +10,7 @@
  *   const agent = MnemoPay.quick("id", { paymentRail: new StripeRail("sk_test_...") });
  */
 Object.defineProperty(exports, "__esModule", { value: true });
-exports.LightningRail = exports.StripeRail = exports.MockRail = void 0;
+exports.LightningRail = exports.NIGERIAN_BANKS = exports.PaystackRail = exports.StripeRail = exports.MockRail = void 0;
 // ─── Mock Rail (default — existing in-memory behavior) ──────────────────────
 class MockRail {
     name = "mock";
@@ -92,6 +92,10 @@ class StripeRail {
     }
 }
 exports.StripeRail = StripeRail;
+// Re-export Paystack rail
+var paystack_js_1 = require("./paystack.js");
+Object.defineProperty(exports, "PaystackRail", { enumerable: true, get: function () { return paystack_js_1.PaystackRail; } });
+Object.defineProperty(exports, "NIGERIAN_BANKS", { enumerable: true, get: function () { return paystack_js_1.NIGERIAN_BANKS; } });
 // ─── Lightning Rail (L402) ──────────────────────────────────────────────────
 // Requires a running LND node. Uses HODL invoices for escrow.
 class LightningRail {

package/dist/rails/index.js.map

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package/dist/rails/paystack.d.ts

@@ -0,0 +1,157 @@
+/**
+ * Paystack Payment Rail for MnemoPay
+ *
+ * Production-grade integration with Paystack's payment infrastructure.
+ * Supports NGN, GHS, ZAR, KES, USD. Uses the same battle-tested patterns
+ * from the Dele backend: idempotency guards, webhook HMAC-SHA512 verification,
+ * failure reversals, and reference-based deduplication.
+ *
+ * Usage:
+ *   const rail = new PaystackRail("sk_live_...", { currency: "NGN" });
+ *   const agent = MnemoPay.quick("agent-1", { paymentRail: rail });
+ *
+ * Flows:
+ *   1. Checkout:  createHold → user pays at authorization_url → capturePayment (verify)
+ *   2. Saved card: createHold with authorizationCode → auto-charged → capturePayment (verify)
+ *   3. Payout:    createTransferRecipient → initiateTransfer
+ *   4. Webhook:   verifyWebhook → process event
+ */
+import type { PaymentRail, PaymentRailResult } from "./index.js";
+export type PaystackCurrency = "NGN" | "GHS" | "ZAR" | "KES" | "USD";
+export interface PaystackConfig {
+    /** ISO currency code. Default: "NGN" */
+    currency?: PaystackCurrency;
+    /** Callback URL after checkout payment. Optional. */
+    callbackUrl?: string;
+    /** Base URL override (for testing). Default: "https://api.paystack.co" */
+    baseUrl?: string;
+    /** Request timeout in ms. Default: 30000 */
+    timeoutMs?: number;
+    /** Channels to enable (card, bank, ussd, mobile_money, etc). Default: all */
+    channels?: string[];
+}
+export interface PaystackHoldResult extends PaymentRailResult {
+    /** Paystack authorization URL — redirect user here to pay */
+    authorizationUrl?: string;
+    /** Paystack access code */
+    accessCode?: string;
+    /** Unique reference for this transaction */
+    reference: string;
+}
+export interface PaystackVerifyResult extends PaymentRailResult {
+    /** Amount in major currency units (e.g., Naira, not kobo) */
+    amount: number;
+    /** Currency code */
+    currency: PaystackCurrency;
+    /** Customer email */
+    customerEmail?: string;
+    /** Reusable authorization for future charges */
+    authorization?: {
+        authorizationCode: string;
+        cardType: string;
+        last4: string;
+        bank: string;
+        reusable: boolean;
+    };
+    /** Transaction metadata */
+    metadata?: Record<string, unknown>;
+    /** Paystack gateway response */
+    gatewayResponse?: string;
+    /** Paid at timestamp */
+    paidAt?: string;
+}
+export interface PaystackTransferRecipient {
+    recipientCode: string;
+    name: string;
+    bankCode: string;
+    accountNumber: string;
+    currency: PaystackCurrency;
+}
+export interface PaystackTransferResult extends PaymentRailResult {
+    /** Transfer reference */
+    reference: string;
+    /** Amount in major units */
+    amount: number;
+    /** Transfer status: pending, success, failed, reversed */
+    transferStatus: string;
+}
+export interface PaystackWebhookEvent {
+    event: string;
+    data: Record<string, any>;
+}
+export declare class PaystackRail implements PaymentRail {
+    readonly name = "paystack";
+    private readonly secretKey;
+    private readonly currency;
+    private readonly baseUrl;
+    private readonly callbackUrl?;
+    private readonly timeoutMs;
+    private readonly channels?;
+    /** Reference-based idempotency guard — tracks processed references */
+    private processedRefs;
+    constructor(secretKey: string, config?: PaystackConfig);
+    /**
+     * Initialize a Paystack transaction (hold).
+     *
+     * If no authorizationCode is in metadata, returns an authorization_url
+     * for checkout. If authorizationCode is present, charges the saved card
+     * directly (no redirect needed).
+     */
+    createHold(amount: number, reason: string, agentId: string, options?: {
+        email?: string;
+        authorizationCode?: string;
+        metadata?: Record<string, unknown>;
+    }): Promise<PaystackHoldResult>;
+    /**
+     * Verify/capture a Paystack transaction.
+     * Call after user completes checkout or after charging saved card.
+     */
+    capturePayment(externalId: string, _amount: number): Promise<PaystackVerifyResult>;
+    /**
+     * Refund a Paystack transaction.
+     * Supports full and partial refunds.
+     */
+    reversePayment(externalId: string, amount: number): Promise<PaymentRailResult>;
+    /**
+     * Create a transfer recipient (bank account for payouts).
+     * Must be called before initiateTransfer.
+     */
+    createTransferRecipient(name: string, accountNumber: string, bankCode: string, currency?: PaystackCurrency): Promise<PaystackTransferRecipient>;
+    /**
+     * Initiate a bank transfer (payout).
+     * The recipient must already be created via createTransferRecipient.
+     */
+    initiateTransfer(recipientCode: string, amount: number, reason: string, agentId?: string): Promise<PaystackTransferResult>;
+    /**
+     * Verify a webhook signature (HMAC-SHA512).
+     * Returns the parsed event if valid, throws if signature mismatch.
+     */
+    verifyWebhook(rawBody: string | Buffer, signature: string): PaystackWebhookEvent;
+    /**
+     * Resolve a bank account — verify the account name matches.
+     */
+    resolveBank(accountNumber: string, bankCode: string): Promise<{
+        accountName: string;
+        accountNumber: string;
+    }>;
+    /**
+     * List available banks for a given country/currency.
+     */
+    listBanks(country?: string, perPage?: number): Promise<Array<{
+        name: string;
+        code: string;
+    }>>;
+    private mapVerifyResponse;
+    /**
+     * Convert major currency units to minor units (e.g., Naira → kobo).
+     * Paystack API expects amounts in minor units.
+     */
+    toMinorUnits(amount: number): number;
+    /**
+     * Convert minor units back to major units (e.g., kobo → Naira).
+     */
+    fromMinorUnits(minorAmount: number): number;
+    private request;
+}
+export declare const NIGERIAN_BANKS: Record<string, string>;
+//# sourceMappingURL=paystack.d.ts.map