@profullstack/coinpay 0.8.0 → 0.10.0

package/src/finances.js

@@ -0,0 +1,511 @@
+/**
+ * Finances — the merchant's money in one place.
+ *
+ * Read-side wrappers over the CoinPay API for everything that has a dollar
+ * sign on it: linked bank and card accounts (SimpleFIN / Plaid), the ledger,
+ * crypto payments, card payments, escrows, invoices and payouts. Plus
+ * `buildFinanceSnapshot`, a pure function that turns those responses into the
+ * headline numbers a dashboard wants (earnings, commission paid, refunds,
+ * cashflow, outstanding invoices, escrow held).
+ *
+ * Every call needs the merchant session token (`coinpay login`), not a
+ * business API key: the bank-data routes deliberately refuse API keys.
+ */
+
+const CRYPTO_SUCCESS = new Set(['confirmed', 'completed', 'forwarded', 'forwarding']);
+const CRYPTO_FAILED = new Set(['failed', 'expired', 'forwarding_failed', 'settle_failed', 'settlement_failed']);
+const CRYPTO_PENDING = new Set(['pending', 'detected', 'confirming']);
+const CARD_SUCCESS = new Set(['completed', 'succeeded']);
+const CARD_FAILED = new Set(['failed', 'canceled', 'cancelled', 'requires_payment_method']);
+const CARD_REFUNDED = new Set(['refunded', 'partially_refunded']);
+
+function query(params) {
+  const search = new URLSearchParams();
+  for (const [key, value] of Object.entries(params)) {
+    if (value === undefined || value === null || value === '') continue;
+    search.set(key, String(value));
+  }
+  const s = search.toString();
+  return s ? `?${s}` : '';
+}
+
+/** Map a day window onto the analytics `period` values the API understands. */
+export function periodForDays(days) {
+  if (!Number.isFinite(days) || days <= 0) return 'all';
+  if (days <= 7) return '7d';
+  if (days <= 30) return '30d';
+  if (days <= 90) return '90d';
+  if (days <= 365) return '1y';
+  return 'all';
+}
+
+// ── Bank & card accounts (SimpleFIN / Plaid) ──
+
+/** Balance sheet + cashflow headline. `days` sets the cashflow window. */
+export async function getFinanceSummary(client, { days = 30, includeHidden = false } = {}) {
+  const data = await client.request(`/finances/summary${query({ days, hidden: includeHidden ? 1 : undefined })}`);
+  return data.summary;
+}
+
+/** Every linked account with its current balance. */
+export async function listFinanceAccounts(client, { includeHidden = false } = {}) {
+  const data = await client.request(`/finances/accounts${query({ hidden: includeHidden ? 1 : undefined })}`);
+  return data.accounts || [];
+}
+
+/**
+ * Every transaction in the window, not just the first page.
+ *
+ * The API caps a page well below what it will report as `total` (ask for 5000
+ * and you get 500), so a single call quietly returns a partial ledger. That is
+ * fine for a dashboard and useless for books: a report that silently drops
+ * two thirds of the year cannot be reconciled against anything, and nothing in
+ * the output would say so.
+ */
+export async function listAllFinanceTransactions(client, { startDate, endDate, pageSize = 500, max = 20000 } = {}) {
+  const rows = [];
+  let offset = 0;
+  let total = 0;
+
+  for (;;) {
+    // Both bounds are forwarded. An end date that was accepted here and
+    // dropped on the way to the API would return rows past the window and
+    // report the window as complete.
+    const page = await listFinanceTransactions(client, { limit: pageSize, offset, startDate, endDate });
+    const batch = page?.rows ?? [];
+    total = Number(page?.total) || total;
+    rows.push(...batch);
+    offset += batch.length;
+    // Stop on a short page as well as on the count: a `total` that disagrees
+    // with what is actually returned must not spin this forever.
+    if (!batch.length || rows.length >= total || rows.length >= max) break;
+  }
+
+  return { rows, total: total || rows.length, complete: rows.length >= total };
+}
+
+/** The ledger, newest first. Returns `{ rows, total, limit, offset }`. */
+export async function listFinanceTransactions(client, filters = {}) {
+  return client.request(
+    `/finances/transactions${query({
+      account: filters.accountId,
+      search: filters.search,
+      category: filters.category,
+      start: filters.startDate,
+      end: filters.endDate,
+      pending: filters.includePending === false ? 0 : undefined,
+      limit: filters.limit,
+      offset: filters.offset,
+    })}`,
+  );
+}
+
+/**
+ * Correct one account: which side of the books it is on, what kind it is, or
+ * whether it counts at all.
+ *
+ * Every field here is an operator correction stored beside the imported value,
+ * never over it, so the next sync re-deriving its guess cannot clobber the
+ * correction. Pass `null` for an override to hand the account back to the
+ * heuristic. Balances and transactions are deliberately not writable.
+ */
+export async function updateFinanceAccount(client, accountId, { kind, scope, hidden } = {}) {
+  const body = {};
+  if (kind !== undefined) body.kind_override = kind;
+  if (scope !== undefined) body.scope_override = scope;
+  if (hidden !== undefined) body.is_hidden = hidden;
+  if (Object.keys(body).length === 0) throw new Error('Nothing to update');
+  const data = await client.request(`/finances/accounts/${encodeURIComponent(accountId)}`, {
+    method: 'PATCH',
+    body: JSON.stringify(body),
+  });
+  return data.account;
+}
+
+/** Linked institutions and their last sync outcome. */
+export async function listFinanceConnections(client) {
+  return client.request('/finances/connections');
+}
+
+/**
+ * Pull fresh balances and transactions from the bank bridge. This spends
+ * request budget (SimpleFIN allows ~24/day per connection), so it is a
+ * deliberate action, never something a screen does on its own.
+ */
+export async function syncFinances(client, { days, connectionId } = {}) {
+  return client.request('/finances/sync', {
+    method: 'POST',
+    body: JSON.stringify({ days, connectionId }),
+  });
+}
+
+// ── Payments, cards, payouts ──
+
+/** Merchant dashboard headline (plan, commission rate, recent payments). */
+export async function getDashboardStats(client, { businessId } = {}) {
+  return client.request(`/dashboard/stats${query({ business_id: businessId })}`);
+}
+
+/** Crypto + card analytics for a period (`7d`, `30d`, `90d`, `1y`, `all`). */
+export async function getFinanceAnalytics(client, { period = '30d', businessId } = {}) {
+  const data = await client.request(`/stripe/analytics${query({ period, business_id: businessId })}`);
+  return data.analytics;
+}
+
+/** Crypto payments across every business the merchant can see. */
+export async function listCryptoPayments(client, { limit = 100, offset = 0, status, businessId, dateFrom, dateTo } = {}) {
+  return client.request(`/payments${query({ limit, offset, status, business_id: businessId, date_from: dateFrom, date_to: dateTo })}`);
+}
+
+/** Card (Stripe) charges across every business the merchant can see. */
+export async function listCardTransactions(client, { limit = 100, offset = 0, status, businessId, dateFrom, dateTo } = {}) {
+  return client.request(`/stripe/transactions${query({ limit, offset, status, business_id: businessId, date_from: dateFrom, date_to: dateTo })}`);
+}
+
+/** Card payouts to the merchant's bank. */
+export async function listCardPayouts(client, { limit = 50, offset = 0, status } = {}) {
+  return client.request(`/stripe/payouts${query({ limit, offset, status })}`);
+}
+
+// ── Snapshot ──
+
+function num(value) {
+  const n = typeof value === 'number' ? value : parseFloat(value ?? '');
+  return Number.isFinite(n) ? n : 0;
+}
+
+function within(dateLike, since) {
+  if (!since) return true;
+  const t = new Date(dateLike || 0).getTime();
+  return Number.isFinite(t) && t >= since.getTime();
+}
+
+function round2(n) {
+  return Math.round(n * 100) / 100;
+}
+
+/** USD value of a crypto payment's fee, pro-rated from the crypto amounts. */
+export function cryptoFeeUsd(payment) {
+  const fee = num(payment.fee_amount);
+  const crypto = num(payment.amount_crypto ?? payment.crypto_amount);
+  const usd = num(payment.amount_usd ?? payment.amount);
+  if (fee > 0 && crypto > 0 && usd > 0) return (fee / crypto) * usd;
+  return 0;
+}
+
+/**
+ * Turn raw API responses into the numbers a dashboard shows.
+ *
+ * Pure: no I/O, so it is unit-testable and the TUI can re-run it on every
+ * refresh without touching the network. Any input may be missing (a route
+ * that failed) and the corresponding section is then empty rather than the
+ * whole snapshot failing.
+ */
+export function buildFinanceSnapshot(raw = {}, { days = 30, now = new Date() } = {}) {
+  const since = Number.isFinite(days) && days > 0 ? new Date(now.getTime() - days * 86400000) : null;
+  const errors = { ...(raw.errors || {}) };
+
+  // ── Crypto payments ──
+  const payments = raw.payments?.payments || [];
+  const windowPayments = payments.filter((p) => within(p.created_at, since));
+  const cryptoOk = windowPayments.filter((p) => CRYPTO_SUCCESS.has(String(p.status).toLowerCase()));
+  const cryptoFailed = windowPayments.filter((p) => CRYPTO_FAILED.has(String(p.status).toLowerCase()));
+  const cryptoPending = windowPayments.filter((p) => CRYPTO_PENDING.has(String(p.status).toLowerCase()));
+  const crypto = {
+    volumeUsd: round2(cryptoOk.reduce((s, p) => s + num(p.amount_usd), 0)),
+    feesUsd: round2(cryptoOk.reduce((s, p) => s + cryptoFeeUsd(p), 0)),
+    successful: cryptoOk.length,
+    failed: cryptoFailed.length,
+    pending: cryptoPending.length,
+    total: windowPayments.length,
+    byChain: {},
+    // The list is a page; the server-side analytics below cover the full window.
+    partial: Boolean(raw.payments?.pagination?.has_more),
+  };
+  for (const p of cryptoOk) {
+    const chain = p.currency || 'unknown';
+    crypto.byChain[chain] = round2((crypto.byChain[chain] || 0) + num(p.amount_usd));
+  }
+
+  // ── Card payments ──
+  const cardTx = raw.cardTransactions?.transactions || [];
+  const windowCards = cardTx.filter((t) => within(t.created_at, since));
+  const cardOk = windowCards.filter((t) => CARD_SUCCESS.has(String(t.status).toLowerCase()));
+  const cardFailed = windowCards.filter((t) => CARD_FAILED.has(String(t.status).toLowerCase()));
+  const cardRefunded = windowCards.filter((t) => CARD_REFUNDED.has(String(t.status).toLowerCase()));
+  const cents = (t, key) => num(t[key]) / 100;
+  const card = {
+    volumeUsd: round2(cardOk.reduce((s, t) => s + cents(t, 'amount_cents'), 0)),
+    platformFeesUsd: round2(cardOk.reduce((s, t) => s + cents(t, 'platform_fee_amount'), 0)),
+    stripeFeesUsd: round2(cardOk.reduce((s, t) => s + cents(t, 'stripe_fee_amount'), 0)),
+    netUsd: round2(cardOk.reduce((s, t) => s + cents(t, 'net_to_merchant'), 0)),
+    refundedUsd: round2(cardRefunded.reduce((s, t) => s + cents(t, 'amount_cents'), 0)),
+    successful: cardOk.length,
+    failed: cardFailed.length,
+    refunded: cardRefunded.length,
+    total: windowCards.length,
+    partial: Boolean(raw.cardTransactions?.pagination?.has_more),
+  };
+
+  // ── Server-side analytics (complete over the window, unlike the pages above) ──
+  const analytics = raw.analytics || null;
+  const series = (analytics?.series?.points || []).map((pt) => ({
+    label: pt.label,
+    volumeUsd: num(pt.total_volume_usd),
+    cryptoUsd: num(pt.crypto_volume_usd),
+    cardUsd: num(pt.card_volume_usd),
+    commissionUsd: num(pt.total_commission_usd),
+    count: num(pt.total_count),
+  }));
+
+  const grossVolumeUsd = analytics
+    ? num(analytics.combined?.total_volume_usd)
+    : round2(crypto.volumeUsd + card.volumeUsd);
+  const commissionUsd = analytics
+    ? num(analytics.combined?.total_fees_usd)
+    : round2(crypto.feesUsd + card.platformFeesUsd);
+
+  // ── Escrow ──
+  const escrows = raw.escrows?.escrows || raw.escrows?.data || (Array.isArray(raw.escrows) ? raw.escrows : []);
+  const escrowStatus = (e) => String(e.status || '').toLowerCase();
+  const escrowRefunded = escrows.filter((e) => escrowStatus(e) === 'refunded' && within(e.settled_at || e.refunded_at || e.updated_at, since));
+  const escrowHeld = escrows.filter((e) => ['funded', 'disputed', 'pending_release'].includes(escrowStatus(e)));
+  const escrowReleased = escrows.filter((e) => ['released', 'settled', 'completed'].includes(escrowStatus(e)) && within(e.settled_at || e.released_at || e.updated_at, since));
+  const escrowFeeUsd = (e) => {
+    if (!e.fee_tx_hash) return 0;
+    const fee = num(e.fee_amount);
+    const amount = num(e.amount);
+    return fee > 0 && amount > 0 ? (fee / amount) * num(e.amount_usd) : 0;
+  };
+  const escrow = {
+    heldUsd: round2(escrowHeld.reduce((s, e) => s + num(e.amount_usd), 0)),
+    held: escrowHeld.length,
+    releasedUsd: round2(escrowReleased.reduce((s, e) => s + num(e.amount_usd), 0)),
+    released: escrowReleased.length,
+    refundedUsd: round2(escrowRefunded.reduce((s, e) => s + num(e.amount_usd), 0)),
+    refunded: escrowRefunded.length,
+    feesUsd: round2(escrowReleased.reduce((s, e) => s + escrowFeeUsd(e), 0)),
+    total: escrows.length,
+  };
+
+  // ── Invoices ──
+  const invoices = raw.invoices?.invoices || raw.invoices?.data || (Array.isArray(raw.invoices) ? raw.invoices : []);
+  const invStatus = (i) => String(i.status || '').toLowerCase();
+  const isOverdue = (i) => ['sent', 'overdue'].includes(invStatus(i)) && i.due_date && new Date(i.due_date).getTime() < now.getTime();
+  const invoiceTotals = { draft: 0, outstanding: 0, overdue: 0, paid: 0, cancelled: 0 };
+  const invoiceCounts = { draft: 0, outstanding: 0, overdue: 0, paid: 0, cancelled: 0 };
+  for (const inv of invoices) {
+    const amount = num(inv.amount);
+    const status = invStatus(inv);
+    let bucket;
+    if (status === 'draft') bucket = 'draft';
+    else if (status === 'paid') {
+      if (!within(inv.paid_at || inv.updated_at, since)) continue;
+      bucket = 'paid';
+    } else if (status === 'cancelled' || status === 'canceled') bucket = 'cancelled';
+    else if (isOverdue(inv)) bucket = 'overdue';
+    else bucket = 'outstanding';
+    invoiceTotals[bucket] = round2(invoiceTotals[bucket] + amount);
+    invoiceCounts[bucket] += 1;
+  }
+
+  // ── Payouts (card rail → bank) ──
+  const payouts = raw.payouts?.payouts || [];
+  const windowPayouts = payouts.filter((p) => within(p.created_at, since));
+  const payout = {
+    paidUsd: round2(windowPayouts.filter((p) => String(p.status).toLowerCase() === 'paid').reduce((s, p) => s + num(p.amount_cents) / 100, 0)),
+    pendingUsd: round2(windowPayouts.filter((p) => ['pending', 'in_transit'].includes(String(p.status).toLowerCase())).reduce((s, p) => s + num(p.amount_cents) / 100, 0)),
+    count: windowPayouts.length,
+  };
+
+  // ── Bank & cards ──
+  const summary = raw.summary || null;
+  const accounts = (raw.accounts || []).slice().sort((a, b) => Math.abs(num(b.display_balance ?? b.balance)) - Math.abs(num(a.display_balance ?? a.balance)));
+  const primary = summary?.totals?.find((t) => t.currency === summary.primaryCurrency) || summary?.totals?.[0] || null;
+  const bank = {
+    currency: summary?.primaryCurrency || primary?.currency || 'USD',
+    assets: round2(num(primary?.assets)),
+    liabilities: round2(num(primary?.liabilities)),
+    net: round2(num(primary?.net)),
+    accountCount: summary?.accountCount ?? accounts.length,
+    hiddenCount: summary?.hiddenCount ?? 0,
+    transactionCount: summary?.transactionCount ?? 0,
+    cashflow: {
+      moneyIn: round2(num(summary?.cashflow?.moneyIn)),
+      moneyOut: round2(num(summary?.cashflow?.moneyOut)),
+      net: round2(num(summary?.cashflow?.net)),
+      transactions: summary?.cashflow?.transactions ?? 0,
+    },
+    byKind: summary?.byKind || [],
+    byInstitution: (summary?.byInstitution || []).slice().sort((a, b) => (b.assets + b.liabilities) - (a.assets + a.liabilities)),
+    topCategories: summary?.topCategories || [],
+    newestTransaction: summary?.newestTransaction || null,
+    accounts,
+    creditCards: accounts.filter((a) => (a.effective_kind || a.kind) === 'credit'),
+    connections: raw.connections?.connections || [],
+    plaidEnabled: Boolean(raw.connections?.plaidEnabled),
+    ledger: raw.transactions?.rows || [],
+    ledgerTotal: raw.transactions?.total ?? 0,
+    /**
+     * Whether the ledger above is the whole window or one page of it.
+     *
+     * Carried rather than inferred from lengths: a caller cannot tell a short
+     * final page from a truncated one, and anything printing a coverage line
+     * has to know which it is holding before it makes a claim about the period.
+     */
+    ledgerComplete: raw.transactions?.complete ?? ((raw.transactions?.rows?.length ?? 0) >= (raw.transactions?.total ?? 0)),
+  };
+
+  const refundsUsd = round2(card.refundedUsd + escrow.refundedUsd);
+  const stats = raw.stats || null;
+
+  // Debt against income. Computed server-side, because it needs six months of
+  // rows and the ledger this snapshot carries is one page of the window.
+  // Absent when the summary route failed, and the screen says so rather than
+  // drawing zeros.
+  const position = summary?.position || null;
+
+  return {
+    generatedAt: now.toISOString(),
+    windowDays: days,
+    plan: stats?.plan || null,
+    businesses: stats?.businesses || [],
+    earnings: {
+      grossVolumeUsd: round2(grossVolumeUsd),
+      cryptoVolumeUsd: analytics ? num(analytics.crypto?.total_volume_usd) : crypto.volumeUsd,
+      cardVolumeUsd: analytics ? num(analytics.card?.total_volume_usd) : card.volumeUsd,
+      commissionUsd: round2(commissionUsd),
+      stripeFeesUsd: card.stripeFeesUsd,
+      refundsUsd,
+      netUsd: round2(grossVolumeUsd - commissionUsd - card.stripeFeesUsd - refundsUsd),
+      transactions: analytics ? num(analytics.combined?.successful_transactions) : crypto.successful + card.successful,
+      failed: analytics ? num(analytics.combined?.failed_transactions) : crypto.failed + card.failed,
+      failureRate: analytics ? num(analytics.combined?.failure_rate) : 0,
+    },
+    series,
+    crypto,
+    card,
+    escrow,
+    invoices: { totals: invoiceTotals, counts: invoiceCounts, rows: invoices },
+    payout,
+    bank,
+    position,
+    recent: {
+      payments: payments.slice(0, 50),
+      cards: cardTx.slice(0, 50),
+      escrows: escrows.slice(0, 50),
+    },
+    errors,
+  };
+}
+
+/**
+ * Fetch everything and build a snapshot. Routes fail independently: a 500
+ * from one of them lands in `snapshot.errors[name]` and its section is empty.
+ */
+export async function collectFinanceSnapshot(client, { days = 30, limit = 100, businessId, allTransactions = false } = {}) {
+  const since = Number.isFinite(days) && days > 0 ? new Date(Date.now() - days * 86400000).toISOString() : undefined;
+  const sources = {
+    summary: () => getFinanceSummary(client, { days }),
+    accounts: () => listFinanceAccounts(client),
+    // The dashboard wants one page and wants it now; a report wants the whole
+    // window, because a document that silently holds a fifth of the year
+    // cannot be reconciled against anything.
+    transactions: () => (allTransactions
+      ? listAllFinanceTransactions(client, { startDate: since })
+      : listFinanceTransactions(client, { limit, startDate: since })),
+    connections: () => listFinanceConnections(client),
+    stats: () => getDashboardStats(client, { businessId }),
+    analytics: () => getFinanceAnalytics(client, { period: periodForDays(days), businessId }),
+    payments: () => listCryptoPayments(client, { limit, businessId, dateFrom: since }),
+    cardTransactions: () => listCardTransactions(client, { limit, businessId, dateFrom: since }),
+    // Raw route on purpose: the SDK's listEscrows camel-cases fields and the
+    // snapshot reads the API's snake_case shape like every other source.
+    escrows: () => client.request(`/escrow${query({ limit })}`),
+    invoices: () => client.request('/invoices'),
+    payouts: () => listCardPayouts(client, { limit }),
+  };
+
+  const names = Object.keys(sources);
+  const settled = await Promise.allSettled(names.map((name) => sources[name]()));
+  const raw = { errors: {} };
+  settled.forEach((result, i) => {
+    if (result.status === 'fulfilled') raw[names[i]] = result.value;
+    else raw.errors[names[i]] = result.reason?.message || String(result.reason);
+  });
+
+  // One failing source is a hole in the picture; every source failing means
+  // the API or the session is gone, and a page of zeros would be a lie.
+  if (Object.keys(raw.errors).length === names.length) {
+    const first = raw.errors[names[0]];
+    throw new Error(`Could not load finances: ${first}`);
+  }
+
+  return buildFinanceSnapshot(raw, { days });
+}
+
+/**
+ * Subscribe to the merchant's live payment stream (server-sent events).
+ *
+ * Takes the API base URL and the merchant session token explicitly (the
+ * client keeps its key private). `onEvent` receives parsed events (`connected`, `heartbeat`, `payment_*`).
+ * Returns a function that closes the stream. Reconnects itself with backoff
+ * until closed, so a dropped connection is a gap, not the end.
+ */
+export function subscribeToPayments({ baseUrl, token, onEvent, onStatus, businessId } = {}) {
+  if (!baseUrl || !token) throw new Error('subscribeToPayments needs baseUrl and token');
+  baseUrl = baseUrl.replace(/\/$/, '');
+  let closed = false;
+  let controller = null;
+  let attempt = 0;
+
+  const status = (s, detail) => { try { onStatus?.(s, detail); } catch { /* listener error */ } };
+
+  async function connect() {
+    while (!closed) {
+      controller = new AbortController();
+      try {
+        status('connecting');
+        const res = await fetch(`${baseUrl}/realtime/payments${query({ businessId })}`, {
+          headers: { Authorization: `Bearer ${token}`, Accept: 'text/event-stream' },
+          signal: controller.signal,
+        });
+        if (!res.ok || !res.body) throw new Error(`HTTP ${res.status}`);
+        attempt = 0;
+        status('connected');
+        const reader = res.body.getReader();
+        const decoder = new TextDecoder();
+        let buffer = '';
+        for (;;) {
+          const { value, done } = await reader.read();
+          if (done) break;
+          buffer += decoder.decode(value, { stream: true });
+          let idx;
+          while ((idx = buffer.indexOf('\n\n')) !== -1) {
+            const chunk = buffer.slice(0, idx);
+            buffer = buffer.slice(idx + 2);
+            const data = chunk.split('\n').filter((l) => l.startsWith('data:')).map((l) => l.slice(5).trim()).join('\n');
+            if (!data) continue;
+            try { onEvent?.(JSON.parse(data)); } catch { /* not JSON */ }
+          }
+        }
+        if (!closed) status('disconnected');
+      } catch (err) {
+        if (closed) return;
+        status('error', err?.message || String(err));
+      }
+      if (closed) return;
+      attempt += 1;
+      const delay = Math.min(30000, 1000 * 2 ** Math.min(attempt, 5));
+      await new Promise((r) => setTimeout(r, delay));
+    }
+  }
+
+  void connect();
+
+  return () => {
+    closed = true;
+    try { controller?.abort(); } catch { /* already gone */ }
+    status('closed');
+  };
+}

package/src/index.d.ts

@@ -51,6 +51,7 @@ export {
   listInvoices,
   updateInvoice,
   deleteInvoice,
+  publishInvoice,
   sendInvoice,
   getInvoicePaymentData,
   InvoiceStatus,
@@ -146,3 +147,6 @@ export type {
 
 import { CoinPayClient } from './client.js';
 export default CoinPayClient;
+
+export * from './finances.js';
+export * from './finances-reports.js';

package/src/index.js

@@ -78,6 +78,7 @@ import {
   listInvoices,
   updateInvoice,
   deleteInvoice,
+  publishInvoice,
   sendInvoice,
   getInvoicePaymentData,
   InvoiceStatus,
@@ -180,6 +181,23 @@ import {
   CHAIN_IDS,
 } from './x402.js';
 
+import {
+  getFinanceSummary,
+  listFinanceAccounts,
+  listFinanceTransactions,
+  listFinanceConnections,
+  syncFinances,
+  getDashboardStats,
+  getFinanceAnalytics,
+  listCryptoPayments,
+  listCardTransactions,
+  listCardPayouts,
+  buildFinanceSnapshot,
+  collectFinanceSnapshot,
+  subscribeToPayments,
+  periodForDays,
+} from './finances.js';
+
 export {
   // Client
   CoinPayClient,
@@ -209,6 +227,7 @@ export {
   listInvoices,
   updateInvoice,
   deleteInvoice,
+  publishInvoice,
   sendInvoice,
   getInvoicePaymentData,
   InvoiceStatus,
@@ -284,6 +303,22 @@ export {
   // Lightning
   LightningClient,
   
+  // Finances (bank feeds, earnings, commission, refunds)
+  getFinanceSummary,
+  listFinanceAccounts,
+  listFinanceTransactions,
+  listFinanceConnections,
+  syncFinances,
+  getDashboardStats,
+  getFinanceAnalytics,
+  listCryptoPayments,
+  listCardTransactions,
+  listCardPayouts,
+  buildFinanceSnapshot,
+  collectFinanceSnapshot,
+  subscribeToPayments,
+  periodForDays,
+
   // Auth
   registerMerchant,
   loginMerchant,
@@ -309,3 +344,6 @@ export {
 };
 
 export default CoinPayClient;
+
+// Finance reports, sync jobs, coverage and the statement library.
+export * from './finances-reports.js';

package/src/invoices.d.ts

@@ -73,5 +73,6 @@ export function listInvoices(client: CoinPayClient, filters?: ListInvoicesParams
 export function getInvoice(client: CoinPayClient, id: string): Promise<Invoice>;
 export function updateInvoice(client: CoinPayClient, id: string, updates: UpdateInvoiceParams): Promise<Invoice>;
 export function deleteInvoice(client: CoinPayClient, id: string): Promise<Record<string, unknown>>;
+export function publishInvoice(client: CoinPayClient, id: string): Promise<Record<string, unknown>>;
 export function sendInvoice(client: CoinPayClient, id: string): Promise<Record<string, unknown>>;
 export function getInvoicePaymentData(client: CoinPayClient, id: string): Promise<Record<string, unknown>>;

package/src/invoices.js

@@ -7,7 +7,7 @@
  *
  * @example
  * import { CoinPayClient } from '@profullstack/coinpay';
- * import { createInvoice, sendInvoice, getInvoicePaymentData } from '@profullstack/coinpay';
+ * import { createInvoice, publishInvoice, sendInvoice, getInvoicePaymentData } from '@profullstack/coinpay';
  *
  * const client = new CoinPayClient({ apiKey: 'your-key' });
  *
@@ -179,6 +179,19 @@ export async function sendInvoice(client, id) {
   return data;
 }
 
+/**
+ * Publish an invoice without emailing the client.
+ * Generates live payment details that can be shared manually.
+ * @param {CoinPayClient} client
+ * @param {string} id - Draft invoice ID
+ * @returns {Promise<Object>} Publish result with invoice and payment link
+ */
+export async function publishInvoice(client, id) {
+  return client.request(`/invoices/${encodeURIComponent(id)}/publish`, {
+    method: 'POST',
+  });
+}
+
 /**
  * Get invoice payment data (public, no auth required)
  * Used by clients/customers to view payment instructions.

package/src/lightning.js

@@ -26,16 +26,21 @@ export class LightningClient {
 
   /**
    * Enable Lightning for a wallet (provisions an LNbits custodial wallet).
+   *
    * @param {Object} params
    * @param {string} params.wallet_id - Wallet UUID
-   * @param {string} params.mnemonic - BIP39 mnemonic
+   * @param {string} [params.mnemonic] - **Deprecated and ignored.** The server
+   *   required a BIP39 mnemonic here, validated it, and never used it: the
+   *   provisioned wallet is custodial, so there is no signer and nothing to
+   *   derive (NEW-20). The seed reconstructs every key on every chain, and it
+   *   is no longer sent. Stop passing it.
    * @param {string} [params.business_id] - Optional business UUID
    * @returns {Promise<Object>} The provisioned node record
    */
-  async enableWallet({ wallet_id, mnemonic, business_id }) {
+  async enableWallet({ wallet_id, business_id }) {
     return this.#client.request('/lightning/nodes', {
       method: 'POST',
-      body: JSON.stringify({ wallet_id, mnemonic, business_id }),
+      body: JSON.stringify({ wallet_id, business_id }),
     });
   }