@mnemopay/sdk 0.9.3 → 1.0.0

package/dist/fico.d.ts

@@ -0,0 +1,136 @@
+/**
+ * Agent FICO — Credit Score for AI Agents
+ *
+ * Mirrors human FICO (300-850 range) but adapted for agent behavior.
+ * Five components weighted identically to FICO's public methodology:
+ *
+ *   1. Payment History    (35%) — on-time settlements, disputes, late payments
+ *   2. Credit Utilization (20%) — spend vs budget cap, sweet spot 10-30%
+ *   3. History Length      (15%) — account age weighted by activity density
+ *   4. Behavior Diversity  (15%) — counterparties, categories, amount range
+ *   5. Fraud Record        (15%) — fraud flags, disputes lost, warnings
+ *
+ * Score is deterministic given inputs. No randomness, no hidden state.
+ * All parameters are from published FICO methodology + agent-specific adaptations.
+ *
+ * References:
+ *   - FICO Score Open Access: myfico.com/credit-education
+ *   - Fair Isaac Corporation, "Understanding FICO Scores" (2024)
+ *   - MnemoPay Master Strategy, Part 3.3 (April 2026)
+ */
+export interface FICOTransaction {
+    id: string;
+    amount: number;
+    status: "pending" | "completed" | "refunded" | "disputed" | "expired";
+    createdAt: Date;
+    completedAt?: Date;
+    counterpartyId?: string;
+    reason: string;
+    riskScore?: number;
+}
+export interface FICOInput {
+    /** All transactions for this agent */
+    transactions: FICOTransaction[];
+    /** Account creation timestamp */
+    createdAt: Date;
+    /** Total confirmed fraud flags */
+    fraudFlags: number;
+    /** Total dispute count (regardless of outcome) */
+    disputeCount: number;
+    /** Disputes resolved against this agent */
+    disputesLost: number;
+    /** Warnings issued by fraud system */
+    warnings: number;
+    /** Budget cap per period (for utilization). Default $5000 */
+    budgetCap?: number;
+    /** Budget period in days. Default 30 */
+    budgetPeriodDays?: number;
+    /** Memory count (used for diversity scoring) */
+    memoriesCount?: number;
+}
+export interface FICOComponent {
+    /** Raw component score 0-100 */
+    score: number;
+    /** Weight applied to this component */
+    weight: number;
+    /** Weighted contribution to final score */
+    weighted: number;
+    /** Factors that contributed to this score */
+    factors: string[];
+}
+export interface FICOResult {
+    /** Final FICO score 300-850 */
+    score: number;
+    /** Rating: exceptional | very_good | good | fair | poor */
+    rating: "exceptional" | "very_good" | "good" | "fair" | "poor";
+    /** Trust level for platform decisions */
+    trustLevel: "full" | "high" | "standard" | "reduced" | "minimal";
+    /** Recommended fee rate based on score */
+    feeRate: number;
+    /** Whether HITL (human-in-the-loop) approval is recommended */
+    requiresHITL: boolean;
+    /** Breakdown of all five components */
+    components: {
+        paymentHistory: FICOComponent;
+        creditUtilization: FICOComponent;
+        historyLength: FICOComponent;
+        behaviorDiversity: FICOComponent;
+        fraudRecord: FICOComponent;
+    };
+    /** Number of transactions used for scoring */
+    transactionCount: number;
+    /** Whether this score is considered stable (50+ transactions) */
+    stable: boolean;
+    /** Score confidence 0-1 (increases with more data) */
+    confidence: number;
+    /** ISO timestamp */
+    generatedAt: string;
+}
+export interface FICOConfig {
+    /** Weight for payment history. Default 0.35 */
+    w1: number;
+    /** Weight for credit utilization. Default 0.20 */
+    w2: number;
+    /** Weight for history length. Default 0.15 */
+    w3: number;
+    /** Weight for behavior diversity. Default 0.15 */
+    w4: number;
+    /** Weight for fraud record. Default 0.15 */
+    w5: number;
+    /** Minimum transactions for stable score. Default 50 */
+    minStableTransactions: number;
+    /** Days for full history length score. Default 365 */
+    fullHistoryDays: number;
+    /** Recency half-life in days for payment history. Default 90 */
+    recencyHalfLifeDays: number;
+    /** Max expected unique counterparties for diversity. Default 20 */
+    maxExpectedCounterparties: number;
+    /** Max expected unique categories for diversity. Default 10 */
+    maxExpectedCategories: number;
+}
+export declare const DEFAULT_FICO_CONFIG: FICOConfig;
+export declare class AgentFICO {
+    readonly config: FICOConfig;
+    constructor(config?: Partial<FICOConfig>);
+    /**
+     * Compute Agent FICO score from transaction history and agent metadata.
+     * Deterministic: same inputs always produce the same score.
+     */
+    compute(input: FICOInput): FICOResult;
+    private _computePaymentHistory;
+    private _computeCreditUtilization;
+    private _computeHistoryLength;
+    private _computeBehaviorDiversity;
+    private _computeFraudRecord;
+    private _validateInput;
+    /**
+     * Serialize FICO result for storage/transmission.
+     * Strips non-essential data to reduce payload.
+     */
+    static serialize(result: FICOResult): string;
+    /**
+     * Deserialize with validation — never trust stored scores.
+     */
+    static deserialize(json: string): FICOResult;
+}
+//# sourceMappingURL=fico.d.ts.map

package/dist/fico.d.ts.map

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package/dist/fico.js

@@ -0,0 +1,424 @@
+"use strict";
+/**
+ * Agent FICO — Credit Score for AI Agents
+ *
+ * Mirrors human FICO (300-850 range) but adapted for agent behavior.
+ * Five components weighted identically to FICO's public methodology:
+ *
+ *   1. Payment History    (35%) — on-time settlements, disputes, late payments
+ *   2. Credit Utilization (20%) — spend vs budget cap, sweet spot 10-30%
+ *   3. History Length      (15%) — account age weighted by activity density
+ *   4. Behavior Diversity  (15%) — counterparties, categories, amount range
+ *   5. Fraud Record        (15%) — fraud flags, disputes lost, warnings
+ *
+ * Score is deterministic given inputs. No randomness, no hidden state.
+ * All parameters are from published FICO methodology + agent-specific adaptations.
+ *
+ * References:
+ *   - FICO Score Open Access: myfico.com/credit-education
+ *   - Fair Isaac Corporation, "Understanding FICO Scores" (2024)
+ *   - MnemoPay Master Strategy, Part 3.3 (April 2026)
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.AgentFICO = exports.DEFAULT_FICO_CONFIG = void 0;
+exports.DEFAULT_FICO_CONFIG = {
+    w1: 0.35,
+    w2: 0.20,
+    w3: 0.15,
+    w4: 0.15,
+    w5: 0.15,
+    minStableTransactions: 50,
+    fullHistoryDays: 365,
+    recencyHalfLifeDays: 90,
+    maxExpectedCounterparties: 20,
+    maxExpectedCategories: 10,
+};
+// ─── Score Interpretation ───────────────────────────────────────────────────
+const SCORE_TIERS = [
+    { min: 800, rating: "exceptional", trustLevel: "full", feeRate: 0.010, hitl: false },
+    { min: 740, rating: "very_good", trustLevel: "high", feeRate: 0.013, hitl: false },
+    { min: 670, rating: "good", trustLevel: "standard", feeRate: 0.015, hitl: false },
+    { min: 580, rating: "fair", trustLevel: "reduced", feeRate: 0.019, hitl: false },
+    { min: 300, rating: "poor", trustLevel: "minimal", feeRate: 0.025, hitl: true },
+];
+function interpretScore(score) {
+    const clamped = Math.max(300, Math.min(850, score));
+    for (const tier of SCORE_TIERS) {
+        if (clamped >= tier.min) {
+            return { rating: tier.rating, trustLevel: tier.trustLevel, feeRate: tier.feeRate, requiresHITL: tier.hitl };
+        }
+    }
+    // Fallback (should never reach)
+    return { rating: "poor", trustLevel: "minimal", feeRate: 0.025, requiresHITL: true };
+}
+// ─── Agent FICO Engine ──────────────────────────────────────────────────────
+class AgentFICO {
+    config;
+    constructor(config) {
+        this.config = { ...exports.DEFAULT_FICO_CONFIG, ...config };
+        // Validate weights sum to 1.0 (within floating point tolerance)
+        const weightSum = this.config.w1 + this.config.w2 + this.config.w3 + this.config.w4 + this.config.w5;
+        if (Math.abs(weightSum - 1.0) > 0.001) {
+            throw new Error(`FICO weights must sum to 1.0, got ${weightSum.toFixed(4)}`);
+        }
+        // Validate all weights are positive
+        if (this.config.w1 <= 0 || this.config.w2 <= 0 || this.config.w3 <= 0 || this.config.w4 <= 0 || this.config.w5 <= 0) {
+            throw new Error("All FICO weights must be positive");
+        }
+    }
+    /**
+     * Compute Agent FICO score from transaction history and agent metadata.
+     * Deterministic: same inputs always produce the same score.
+     */
+    compute(input) {
+        // Input validation — reject garbage, clamp edge cases
+        this._validateInput(input);
+        const now = Date.now();
+        const txs = input.transactions;
+        // 1. Payment History (35%)
+        const paymentHistory = this._computePaymentHistory(txs, now);
+        // 2. Credit Utilization (20%)
+        const creditUtilization = this._computeCreditUtilization(txs, input.budgetCap ?? 5000, input.budgetPeriodDays ?? 30, now);
+        // 3. History Length (15%)
+        const historyLength = this._computeHistoryLength(input.createdAt, txs, now);
+        // 4. Behavior Diversity (15%)
+        const behaviorDiversity = this._computeBehaviorDiversity(txs, input.memoriesCount ?? 0);
+        // 5. Fraud Record (15%)
+        const fraudRecord = this._computeFraudRecord(input.fraudFlags, input.disputeCount, input.disputesLost, input.warnings);
+        // Weighted composite: 0-100 scale
+        const composite = paymentHistory.score * this.config.w1 +
+            creditUtilization.score * this.config.w2 +
+            historyLength.score * this.config.w3 +
+            behaviorDiversity.score * this.config.w4 +
+            fraudRecord.score * this.config.w5;
+        // Map 0-100 to 300-850 range
+        // 0 → 300, 100 → 850
+        const rawScore = 300 + (composite / 100) * 550;
+        const score = Math.round(Math.max(300, Math.min(850, rawScore)));
+        const interpretation = interpretScore(score);
+        const totalTx = txs.length;
+        const stable = totalTx >= this.config.minStableTransactions;
+        // Confidence: logarithmic growth, reaches 0.9 at minStableTransactions
+        const confidence = totalTx === 0 ? 0 : Math.min(1, Math.log(1 + totalTx) / Math.log(1 + this.config.minStableTransactions * 2));
+        return {
+            score,
+            ...interpretation,
+            components: {
+                paymentHistory: { ...paymentHistory, weight: this.config.w1, weighted: Math.round(paymentHistory.score * this.config.w1 * 100) / 100 },
+                creditUtilization: { ...creditUtilization, weight: this.config.w2, weighted: Math.round(creditUtilization.score * this.config.w2 * 100) / 100 },
+                historyLength: { ...historyLength, weight: this.config.w3, weighted: Math.round(historyLength.score * this.config.w3 * 100) / 100 },
+                behaviorDiversity: { ...behaviorDiversity, weight: this.config.w4, weighted: Math.round(behaviorDiversity.score * this.config.w4 * 100) / 100 },
+                fraudRecord: { ...fraudRecord, weight: this.config.w5, weighted: Math.round(fraudRecord.score * this.config.w5 * 100) / 100 },
+            },
+            transactionCount: totalTx,
+            stable,
+            confidence: Math.round(confidence * 1000) / 1000,
+            generatedAt: new Date().toISOString(),
+        };
+    }
+    // ── Component 1: Payment History (35%) ──────────────────────────────────
+    _computePaymentHistory(txs, now) {
+        const factors = [];
+        if (txs.length === 0) {
+            factors.push("No transaction history");
+            return { score: 50, factors }; // Neutral starting point
+        }
+        const completed = txs.filter(t => t.status === "completed");
+        const refunded = txs.filter(t => t.status === "refunded");
+        const disputed = txs.filter(t => t.status === "disputed");
+        const expired = txs.filter(t => t.status === "expired");
+        // Base: success rate (completed / total non-pending)
+        const nonPending = txs.filter(t => t.status !== "pending");
+        const successRate = nonPending.length > 0 ? completed.length / nonPending.length : 0;
+        let score = successRate * 100;
+        // Recency weighting: recent transactions matter 2x
+        // Exponential decay: weight = 2^(-days / halfLife)
+        const halfLife = this.config.recencyHalfLifeDays;
+        let recentSuccessWeighted = 0;
+        let recentTotalWeighted = 0;
+        for (const tx of nonPending) {
+            const daysAgo = (now - tx.createdAt.getTime()) / 86_400_000;
+            const weight = Math.pow(2, -daysAgo / halfLife);
+            recentTotalWeighted += weight;
+            if (tx.status === "completed")
+                recentSuccessWeighted += weight;
+        }
+        if (recentTotalWeighted > 0) {
+            const recentRate = recentSuccessWeighted / recentTotalWeighted;
+            // Blend: 60% recency-weighted, 40% lifetime
+            score = (recentRate * 60 + successRate * 40);
+        }
+        // Penalties
+        if (disputed.length > 0) {
+            const penalty = Math.min(30, disputed.length * 10);
+            score -= penalty;
+            factors.push(`${disputed.length} disputed transaction(s) (-${penalty})`);
+        }
+        if (refunded.length > 0 && nonPending.length > 0) {
+            const refundRate = refunded.length / nonPending.length;
+            if (refundRate > 0.1) {
+                const penalty = Math.min(20, Math.round(refundRate * 40));
+                score -= penalty;
+                factors.push(`High refund rate ${(refundRate * 100).toFixed(0)}% (-${penalty})`);
+            }
+        }
+        if (expired.length > 0) {
+            const penalty = Math.min(15, expired.length * 5);
+            score -= penalty;
+            factors.push(`${expired.length} expired transaction(s) (-${penalty})`);
+        }
+        // Bonus for consistent long-term success
+        if (completed.length >= 100 && successRate >= 0.95) {
+            score = Math.min(100, score + 5);
+            factors.push("Excellent long-term track record (+5)");
+        }
+        if (factors.length === 0) {
+            factors.push(`${completed.length}/${nonPending.length} successful (${(successRate * 100).toFixed(0)}%)`);
+        }
+        return { score: clamp(score), factors };
+    }
+    // ── Component 2: Credit Utilization (20%) ───────────────────────────────
+    _computeCreditUtilization(txs, budgetCap, periodDays, now) {
+        const factors = [];
+        if (txs.length === 0) {
+            factors.push("No spending history");
+            return { score: 100, factors }; // No spending = perfect utilization
+        }
+        // Calculate spend in current period
+        const periodStart = now - periodDays * 86_400_000;
+        const recentTxs = txs.filter(t => t.createdAt.getTime() >= periodStart && (t.status === "completed" || t.status === "pending"));
+        const totalSpend = recentTxs.reduce((sum, t) => sum + Math.abs(t.amount), 0);
+        const utilization = budgetCap > 0 ? totalSpend / budgetCap : 0;
+        // FICO-like utilization curve:
+        // 0-10%: 100 (excellent)
+        // 10-30%: 90-100 (sweet spot)
+        // 30-50%: 70-90 (okay)
+        // 50-75%: 40-70 (concerning)
+        // 75-100%: 10-40 (bad)
+        // >100%: 0-10 (over limit)
+        let score;
+        if (utilization <= 0.10) {
+            score = 100;
+            factors.push(`Very low utilization (${(utilization * 100).toFixed(0)}%)`);
+        }
+        else if (utilization <= 0.30) {
+            score = 90 + (0.30 - utilization) / 0.20 * 10;
+            factors.push(`Healthy utilization (${(utilization * 100).toFixed(0)}%)`);
+        }
+        else if (utilization <= 0.50) {
+            score = 70 + (0.50 - utilization) / 0.20 * 20;
+            factors.push(`Moderate utilization (${(utilization * 100).toFixed(0)}%)`);
+        }
+        else if (utilization <= 0.75) {
+            score = 40 + (0.75 - utilization) / 0.25 * 30;
+            factors.push(`High utilization (${(utilization * 100).toFixed(0)}%)`);
+        }
+        else if (utilization <= 1.0) {
+            score = 10 + (1.0 - utilization) / 0.25 * 30;
+            factors.push(`Near-limit utilization (${(utilization * 100).toFixed(0)}%)`);
+        }
+        else {
+            score = Math.max(0, 10 - (utilization - 1.0) * 20);
+            factors.push(`Over budget (${(utilization * 100).toFixed(0)}%)`);
+        }
+        return { score: clamp(score), factors };
+    }
+    // ── Component 3: History Length (15%) ────────────────────────────────────
+    _computeHistoryLength(createdAt, txs, now) {
+        const factors = [];
+        const ageDays = (now - createdAt.getTime()) / 86_400_000;
+        if (ageDays <= 0) {
+            factors.push("Brand new account");
+            return { score: 0, factors };
+        }
+        // Base: linear to fullHistoryDays, then full marks
+        const ageScore = Math.min(100, (ageDays / this.config.fullHistoryDays) * 100);
+        // Activity density: active days / total days
+        // An account that exists for 365 days but only transacted on 10 days
+        // is less trustworthy than one active 200 out of 365 days
+        const activeDays = new Set();
+        for (const tx of txs) {
+            const day = new Date(tx.createdAt).toISOString().slice(0, 10);
+            activeDays.add(day);
+        }
+        const density = Math.min(1, activeDays.size / Math.max(1, ageDays));
+        // Blend: 70% age + 30% density
+        const score = ageScore * 0.7 + (density * 100) * 0.3;
+        if (ageDays < 7)
+            factors.push(`Account is ${Math.floor(ageDays)} day(s) old`);
+        else if (ageDays < 30)
+            factors.push(`Account is ${Math.floor(ageDays / 7)} week(s) old`);
+        else
+            factors.push(`Account is ${Math.floor(ageDays / 30)} month(s) old`);
+        factors.push(`Activity density: ${(density * 100).toFixed(0)}% (${activeDays.size} active days)`);
+        return { score: clamp(score), factors };
+    }
+    // ── Component 4: Behavior Diversity (15%) ───────────────────────────────
+    _computeBehaviorDiversity(txs, memoriesCount) {
+        const factors = [];
+        if (txs.length === 0) {
+            factors.push("No transaction data");
+            return { score: 0, factors };
+        }
+        // A: Unique counterparties
+        const counterparties = new Set();
+        for (const tx of txs) {
+            if (tx.counterpartyId)
+                counterparties.add(tx.counterpartyId);
+        }
+        const cpScore = Math.min(1, counterparties.size / this.config.maxExpectedCounterparties);
+        // B: Unique categories (extracted from reason field)
+        const categories = new Set();
+        for (const tx of txs) {
+            // Extract category from reason: first word or key phrase
+            const cat = extractCategory(tx.reason);
+            if (cat)
+                categories.add(cat);
+        }
+        const catScore = Math.min(1, categories.size / this.config.maxExpectedCategories);
+        // C: Amount range diversity (coefficient of variation)
+        const amounts = txs.filter(t => t.amount > 0).map(t => t.amount);
+        let amountDiversity = 0;
+        if (amounts.length >= 2) {
+            const mean = amounts.reduce((a, b) => a + b, 0) / amounts.length;
+            if (mean > 0) {
+                const variance = amounts.reduce((sum, a) => sum + (a - mean) ** 2, 0) / amounts.length;
+                const cv = Math.sqrt(variance) / mean;
+                // CV of 0.5-1.5 is healthy diversity. Below = too uniform. Above = erratic.
+                amountDiversity = cv <= 1.5 ? Math.min(1, cv / 0.8) : Math.max(0, 1 - (cv - 1.5) / 2);
+            }
+        }
+        // D: Memory richness (agents with more memories are more established)
+        const memScore = Math.min(1, memoriesCount / 100);
+        // Weighted blend of all diversity factors
+        const score = (cpScore * 30 + catScore * 25 + amountDiversity * 25 + memScore * 20);
+        factors.push(`${counterparties.size} unique counterparties`);
+        factors.push(`${categories.size} transaction categories`);
+        if (amounts.length >= 2)
+            factors.push(`Amount range: $${Math.min(...amounts).toFixed(2)}-$${Math.max(...amounts).toFixed(2)}`);
+        factors.push(`${memoriesCount} memories stored`);
+        return { score: clamp(score), factors };
+    }
+    // ── Component 5: Fraud Record (15%) ─────────────────────────────────────
+    _computeFraudRecord(fraudFlags, disputeCount, disputesLost, warnings) {
+        const factors = [];
+        // Start at 100, deduct for each negative event
+        // Confirmed fraud = heavy permanent penalty
+        // Lost disputes = moderate penalty
+        // All disputes (even won) = small penalty (frequent disputes are a signal)
+        // Warnings = minor penalty
+        let score = 100;
+        if (fraudFlags > 0) {
+            const penalty = Math.min(80, fraudFlags * 25);
+            score -= penalty;
+            factors.push(`${fraudFlags} confirmed fraud flag(s) (-${penalty})`);
+        }
+        if (disputesLost > 0) {
+            const penalty = Math.min(40, disputesLost * 15);
+            score -= penalty;
+            factors.push(`${disputesLost} dispute(s) lost (-${penalty})`);
+        }
+        if (disputeCount > disputesLost) {
+            const wonOrPending = disputeCount - disputesLost;
+            const penalty = Math.min(10, wonOrPending * 3);
+            score -= penalty;
+            factors.push(`${wonOrPending} other dispute(s) (-${penalty})`);
+        }
+        if (warnings > 0) {
+            const penalty = Math.min(15, warnings * 5);
+            score -= penalty;
+            factors.push(`${warnings} warning(s) (-${penalty})`);
+        }
+        if (factors.length === 0) {
+            factors.push("Clean record");
+        }
+        return { score: clamp(score), factors };
+    }
+    // ── Input Validation ────────────────────────────────────────────────────
+    _validateInput(input) {
+        if (!input || typeof input !== "object") {
+            throw new Error("FICOInput is required");
+        }
+        if (!Array.isArray(input.transactions)) {
+            throw new Error("FICOInput.transactions must be an array");
+        }
+        if (!(input.createdAt instanceof Date) || isNaN(input.createdAt.getTime())) {
+            throw new Error("FICOInput.createdAt must be a valid Date");
+        }
+        if (typeof input.fraudFlags !== "number" || !Number.isFinite(input.fraudFlags) || input.fraudFlags < 0) {
+            throw new Error("FICOInput.fraudFlags must be a non-negative number");
+        }
+        if (typeof input.disputeCount !== "number" || !Number.isFinite(input.disputeCount) || input.disputeCount < 0) {
+            throw new Error("FICOInput.disputeCount must be a non-negative number");
+        }
+        if (typeof input.disputesLost !== "number" || !Number.isFinite(input.disputesLost) || input.disputesLost < 0) {
+            throw new Error("FICOInput.disputesLost must be a non-negative number");
+        }
+        if (input.disputesLost > input.disputeCount) {
+            throw new Error("FICOInput.disputesLost cannot exceed disputeCount");
+        }
+        if (typeof input.warnings !== "number" || !Number.isFinite(input.warnings) || input.warnings < 0) {
+            throw new Error("FICOInput.warnings must be a non-negative number");
+        }
+        if (input.budgetCap !== undefined && (typeof input.budgetCap !== "number" || !Number.isFinite(input.budgetCap) || input.budgetCap <= 0)) {
+            throw new Error("FICOInput.budgetCap must be a positive number");
+        }
+        // Validate individual transactions
+        for (const tx of input.transactions) {
+            if (typeof tx.amount !== "number" || !Number.isFinite(tx.amount)) {
+                throw new Error(`Transaction ${tx.id}: amount must be a finite number`);
+            }
+            if (!(tx.createdAt instanceof Date) || isNaN(tx.createdAt.getTime())) {
+                throw new Error(`Transaction ${tx.id}: createdAt must be a valid Date`);
+            }
+        }
+    }
+    /**
+     * Serialize FICO result for storage/transmission.
+     * Strips non-essential data to reduce payload.
+     */
+    static serialize(result) {
+        return JSON.stringify(result);
+    }
+    /**
+     * Deserialize with validation — never trust stored scores.
+     */
+    static deserialize(json) {
+        const data = JSON.parse(json);
+        if (typeof data.score !== "number" || data.score < 300 || data.score > 850) {
+            throw new Error("Invalid FICO score: must be 300-850");
+        }
+        // Re-clamp all component scores on load (defense in depth)
+        for (const key of ["paymentHistory", "creditUtilization", "historyLength", "behaviorDiversity", "fraudRecord"]) {
+            if (data.components?.[key]) {
+                data.components[key].score = clamp(data.components[key].score);
+            }
+        }
+        return data;
+    }
+}
+exports.AgentFICO = AgentFICO;
+// ─── Helpers ────────────────────────────────────────────────────────────────
+function clamp(score) {
+    return Math.max(0, Math.min(100, Math.round(score * 100) / 100));
+}
+function extractCategory(reason) {
+    if (!reason || typeof reason !== "string")
+        return "unknown";
+    // Normalize and extract first meaningful word
+    const lower = reason.toLowerCase().trim();
+    // Common transaction categories
+    const CATEGORIES = [
+        "purchase", "subscription", "service", "api", "compute", "storage",
+        "transfer", "fee", "refund", "payment", "invoice", "tip", "donation",
+        "license", "hosting", "data", "analysis", "research", "test",
+    ];
+    for (const cat of CATEGORIES) {
+        if (lower.includes(cat))
+            return cat;
+    }
+    // Fallback: first word
+    const firstWord = lower.split(/\s+/)[0]?.replace(/[^a-z]/g, "");
+    return firstWord || "unknown";
+}
+//# sourceMappingURL=fico.js.map

package/dist/fico.js.map

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package/dist/index.d.ts

@@ -346,5 +346,13 @@ export { CommerceEngine, MockCommerceProvider } from "./commerce.js";
 export type { ShoppingMandate, ProductResult, PurchaseOrder, CommerceProvider, SearchOptions, ApprovalCallback } from "./commerce.js";
 export { AdaptiveEngine, DEFAULT_ADAPTIVE_CONFIG } from "./adaptive.js";
 export type { AdaptiveConfig, AgentInsight, BusinessMetrics, AdaptationRecord, AdaptiveEvent, AdaptiveEventType } from "./adaptive.js";
+export { AgentFICO, DEFAULT_FICO_CONFIG } from "./fico.js";
+export type { FICOInput, FICOResult, FICOComponent, FICOConfig, FICOTransaction } from "./fico.js";
+export { MerkleTree } from "./integrity.js";
+export type { MerkleLeaf, MerkleProof, IntegritySnapshot, TamperResult, IntegrityAuditEntry } from "./integrity.js";
+export { BehavioralEngine, DEFAULT_BEHAVIORAL_CONFIG } from "./behavioral.js";
+export type { BehavioralConfig, ProspectValue, CoolingOffResult, CommitmentResult, LossFrame, ReframedExpense, RegretEntry, RegretPrediction, OverconfidenceResult, AssetMetrics, HerdAlert, FinancialGoal, EndowedProgress, TradeEntry } from "./behavioral.js";
+export { EWMADetector, BehaviorMonitor, CanarySystem, DEFAULT_ANOMALY_CONFIG } from "./anomaly.js";
+export type { EWMAState, EWMAAlert, BehaviorFingerprint, HijackDetection, CanaryTransaction, CanaryAlert, AnomalyConfig } from "./anomaly.js";
 export { default as createSandboxServer } from "./mcp/server.js";
 //# sourceMappingURL=index.d.ts.map