@riocrypto/common-server 1.0.2881 → 1.0.2882

package/build/helpers/payin-destinations.d.ts

@@ -11,8 +11,18 @@ export interface PayinBankDetails {
     RFC?: string;
     bankAddress?: string;
     NIT?: string;
+    largeTransferCCI?: string;
 }
 export declare const PER_USER_PAYIN_PROCESSORS: Processor[];
+/**
+ * Per-operation ceiling of the CCE's immediate transfer service, set by the BCRP.
+ *
+ * A virtual CCI accepts nothing but immediate transfers, so a payment above this
+ * cannot be sent to one at all: the payer's bank has to use deferred CCE or LBTR,
+ * and both are refused by a CCIV. Those payments go to the principal account
+ * instead, which is why the ceiling decides which CCI a customer is shown.
+ */
+export declare const CCE_IMMEDIATE_CEILING_BY_FIAT: Partial<Record<Fiat, number>>;
 export declare const normalizeCci: (cci: string) => string;
 /**
  * Whether a CCI is one of Rio's own Peru accounts.
@@ -24,12 +34,14 @@ export declare const normalizeCci: (cci: string) => string;
  * order happened to be awaiting the same amount.
  */
 export declare const isRioOwnPeruAccountCci: (cci?: string) => boolean;
-export declare const getPayinBankDetails: ({ mongoose, processor, fiat, country, user, }: {
+export declare const getPayinBankDetails: ({ mongoose, processor, fiat, country, user, amount, requireSharedAlfinAccount, }: {
     mongoose: Mongoose;
     processor: Processor;
     fiat: Fiat;
     country: Country;
     user: User;
+    amount?: number | undefined;
+    requireSharedAlfinAccount?: boolean | undefined;
 }) => Promise<PayinBankDetails>;
 export interface PayinDestination {
     processor: Processor;

package/build/helpers/payin-destinations.js

@@ -9,7 +9,7 @@ var __awaiter = (this && this.__awaiter) || function (thisArg, _arguments, P, ge
     });
 };
 Object.defineProperty(exports, "__esModule", { value: true });
-exports.getPayinDestinations = exports.getPayinBankDetails = exports.isRioOwnPeruAccountCci = exports.normalizeCci = exports.PER_USER_PAYIN_PROCESSORS = void 0;
+exports.getPayinDestinations = exports.getPayinBankDetails = exports.isRioOwnPeruAccountCci = exports.normalizeCci = exports.CCE_IMMEDIATE_CEILING_BY_FIAT = exports.PER_USER_PAYIN_PROCESSORS = void 0;
 const common_1 = require("@riocrypto/common");
 const rio_bank_account_1 = require("../models/rio-bank-account");
 const STP_deposit_CLABE_1 = require("../models/STP-deposit-CLABE");
@@ -33,13 +33,32 @@ const PERU_COMPANY_ADDRESS = "Calle General de la Fuente, Edificio 393, dep. 102
 const PERU_RUC = "20610425713";
 // Rio's Alfin Cuenta Vista per currency. A CCIV is reachable only through the
 // interbank clearing house, so a customer who banks at Alfin cannot pay one from
-// inside Alfin and needs the underlying account number. Note that a payment sent
-// here carries no CCIV, so Alfin raises no payin notification for it: it is only
-// picked up by the treasury statement import and has to be matched by hand.
+// inside Alfin and needs the underlying account number. A payment sent here
+// carries no CCIV, so Alfin raises no payin notification for it: it is picked up
+// by the treasury statement import and attributed from there.
 const ALFIN_ACCOUNT_NUMBER_BY_FIAT = {
     [common_1.Fiat.PEN]: "01818233900001",
     [common_1.Fiat.USD]: "01818233900002",
 };
+// The same accounts as CCIs, for payers at another bank. An account number is
+// only addressable from inside Alfin, so this is what a customer needs when the
+// payment cannot go to their CCIV.
+const ALFIN_PRINCIPAL_CCI_BY_FIAT = {
+    [common_1.Fiat.PEN]: "05810001818233900196",
+    [common_1.Fiat.USD]: "05810001818233900294",
+};
+/**
+ * Per-operation ceiling of the CCE's immediate transfer service, set by the BCRP.
+ *
+ * A virtual CCI accepts nothing but immediate transfers, so a payment above this
+ * cannot be sent to one at all: the payer's bank has to use deferred CCE or LBTR,
+ * and both are refused by a CCIV. Those payments go to the principal account
+ * instead, which is why the ceiling decides which CCI a customer is shown.
+ */
+exports.CCE_IMMEDIATE_CEILING_BY_FIAT = {
+    [common_1.Fiat.PEN]: 30000,
+    [common_1.Fiat.USD]: 10000,
+};
 const INTERBANK_PERU_CCI_BY_FIAT = {
     [common_1.Fiat.PEN]: "003-200-003004741070-36",
     [common_1.Fiat.USD]: "003-200-003004741088-38",
@@ -144,8 +163,10 @@ const getStaticPayinBankDetails = (processor, fiat) => {
 // Looks up (and by default creates) the user's own destination on a per-user
 // rail. With `provision` false it reports what exists without calling out to the
 // provider, which is what the whitelisting list needs so that merely viewing the
-// page does not allocate account numbers at Fintoc or Alfin.
-const getPerUserPayinBankDetails = ({ mongoose, processor, fiat, userId, provision, }) => __awaiter(void 0, void 0, void 0, function* () {
+// page does not allocate account numbers at Fintoc or Alfin. `amount` is the sum
+// the customer will send in one transfer, which on Alfin decides whether their
+// virtual CCI can receive it at all.
+const getPerUserPayinBankDetails = ({ mongoose, processor, fiat, userId, provision, amount, requireSharedAlfinAccount, }) => __awaiter(void 0, void 0, void 0, function* () {
     if (processor === common_1.Processor.SPEI_STP) {
         const STPDepositCLABE = (0, STP_deposit_CLABE_1.buildSTPDepositCLABE)(mongoose);
         const existing = yield STPDepositCLABE.findOne({ userId });
@@ -191,22 +212,34 @@ const getPerUserPayinBankDetails = ({ mongoose, processor, fiat, userId, provisi
         };
     }
     if (processor === common_1.Processor.Alfin) {
-        const AlfinVirtualCci = (0, alfin_virtual_cci_1.buildAlfinVirtualCci)(mongoose);
-        const existing = yield AlfinVirtualCci.findOne({ userId, fiat });
-        let CCIV = existing === null || existing === void 0 ? void 0 : existing.CCIV;
-        if (!CCIV) {
-            if (!provision) {
-                return undefined;
+        // Above the immediate-transfer ceiling the customer is given the principal
+        // account's CCI rather than their own virtual one. Showing the CCIV there
+        // would be showing them the one destination their bank cannot pay: the
+        // transfer has to go out on a rail a CCIV refuses, so it would never arrive.
+        const ceiling = exports.CCE_IMMEDIATE_CEILING_BY_FIAT[fiat];
+        const exceedsCcivCeiling = amount !== undefined && ceiling !== undefined && amount > ceiling;
+        const usePrincipalAccount = Boolean(requireSharedAlfinAccount) || exceedsCcivCeiling;
+        let CCI = usePrincipalAccount
+            ? ALFIN_PRINCIPAL_CCI_BY_FIAT[fiat]
+            : undefined;
+        if (!usePrincipalAccount) {
+            const AlfinVirtualCci = (0, alfin_virtual_cci_1.buildAlfinVirtualCci)(mongoose);
+            const existing = yield AlfinVirtualCci.findOne({ userId, fiat });
+            CCI = existing === null || existing === void 0 ? void 0 : existing.CCIV;
+            if (!CCI) {
+                if (!provision) {
+                    return undefined;
+                }
+                const clusterClient = yield (0, cluster_client_1.buildClusterClient)();
+                CCI = (yield clusterClient.generateAlfinVirtualCci(userId, fiat)).CCIV;
             }
-            const clusterClient = yield (0, cluster_client_1.buildClusterClient)();
-            CCIV = (yield clusterClient.generateAlfinVirtualCci(userId, fiat)).CCIV;
         }
         return {
             bankName: "Alfin Banco",
             companyName: PERU_COMPANY_NAME,
             companyAddress: PERU_COMPANY_ADDRESS,
             accountNumber: ALFIN_ACCOUNT_NUMBER_BY_FIAT[fiat],
-            CCI: CCIV,
+            CCI,
             RUC: PERU_RUC,
         };
     }
@@ -215,7 +248,7 @@ const getPerUserPayinBankDetails = ({ mongoose, processor, fiat, userId, provisi
 // The account a customer must pay into to fund a buy order on a given rail.
 // A custom Rio bank account replaces the rail's own destination outright, which
 // is why routing has to know that account's processor - see resolveProcessor.
-const getPayinBankDetails = ({ mongoose, processor, fiat, country, user, }) => __awaiter(void 0, void 0, void 0, function* () {
+const getPayinBankDetails = ({ mongoose, processor, fiat, country, user, amount, requireSharedAlfinAccount, }) => __awaiter(void 0, void 0, void 0, function* () {
     var _a, _b, _c;
     const rioBankAccountId = (_c = (_b = (_a = user.rioBankAccount) === null || _a === void 0 ? void 0 : _a[country]) === null || _b === void 0 ? void 0 : _b[fiat]) === null || _c === void 0 ? void 0 : _c.id;
     if (rioBankAccountId) {
@@ -243,6 +276,8 @@ const getPayinBankDetails = ({ mongoose, processor, fiat, country, user, }) => _
             fiat,
             userId: user.id,
             provision: true,
+            amount,
+            requireSharedAlfinAccount,
         });
         return details || {};
     }
@@ -280,6 +315,12 @@ const getPayinDestinations = ({ mongoose, user, country, fiat, processors, provi
                 userId: user.id,
                 provision,
             });
+            // A customer who may only send to accounts their bank has on file has to
+            // have both Alfin CCIs on it before they place an order, since which one
+            // they are given depends on how much that order is for.
+            if (processor === common_1.Processor.Alfin && bankDetails) {
+                bankDetails.largeTransferCCI = ALFIN_PRINCIPAL_CCI_BY_FIAT[fiat];
+            }
         }
         else {
             bankDetails = getStaticPayinBankDetails(processor, fiat);

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@riocrypto/common-server",
-  "version": "1.0.2881",
+  "version": "1.0.2882",
   "description": "",
   "main": "./build/index.js",
   "types": "./build/index.d.ts",