@securelend/sdk 0.1.0-beta.5 → 0.2.0-beta.0

package/dist/types/index.js

@@ -2,6 +2,197 @@
 
 var zod = require('zod');
 
+// src/types/index.ts
+var OUTCOME_STATES = [
+  "viewed",
+  "info_requested",
+  "declined",
+  "term_sheet",
+  "approved",
+  "funded",
+  "withdrawn"
+];
+var DECLINE_REASON_CODES = [
+  "outside_credit_box",
+  "industry",
+  "time_in_business",
+  "dscr",
+  "collateral",
+  "amount",
+  "state",
+  "credit_score",
+  "docs_incomplete",
+  "capacity",
+  "other"
+];
+var SHARE_SCOPES = ["summary", "memo", "checks", "documents"];
+var FEEDBACK_TYPES = [
+  "rating",
+  "edit",
+  "comment",
+  "approve",
+  "reject",
+  "regenerate"
+];
+var FEEDBACK_TARGETS = [
+  "memo_section",
+  "memo",
+  "tool",
+  "decision",
+  "lead_match"
+];
+var EVENT_TYPES = [
+  "lead.created",
+  "lead.matched",
+  "lead.notified",
+  "package.shared",
+  "package.opened",
+  "consent.revoked",
+  "outcome.recorded",
+  "credit_box.updated",
+  "feedback.recorded"
+];
+var leadSchema = zod.z.object({
+  id: zod.z.string(),
+  tenantId: zod.z.string().nullable().optional(),
+  status: zod.z.string().nullable().optional(),
+  productType: zod.z.string().nullable().optional(),
+  amount: zod.z.number().nullable().optional(),
+  legalName: zod.z.string().nullable().optional(),
+  email: zod.z.string().nullable().optional(),
+  caseId: zod.z.string().nullable().optional(),
+  lenders: zod.z.array(
+    zod.z.object({
+      id: zod.z.string().nullable().optional(),
+      name: zod.z.string().optional(),
+      tenantId: zod.z.string().nullable().optional()
+    }).passthrough()
+  ).optional(),
+  createdAt: zod.z.string().optional(),
+  updatedAt: zod.z.string().optional()
+}).passthrough();
+var leadListSchema = zod.z.object({
+  items: zod.z.array(leadSchema),
+  tenantId: zod.z.string().optional()
+}).passthrough();
+var uploadResultSchema = zod.z.object({
+  key: zod.z.string().optional(),
+  filename: zod.z.string().optional(),
+  documentType: zod.z.string().optional(),
+  applicationId: zod.z.string().optional()
+}).passthrough();
+var matchComponentsSchema = zod.z.object({
+  rules: zod.z.number().nullable().optional(),
+  fit: zod.z.number().nullable().optional(),
+  outcome: zod.z.number().nullable().optional(),
+  sba: zod.z.number().nullable().optional(),
+  samples: zod.z.number().nullable().optional()
+}).passthrough();
+var lenderMatchSchema = zod.z.object({
+  lenderId: zod.z.string().nullable().optional(),
+  score: zod.z.number().nullable().optional(),
+  components: matchComponentsSchema.nullable().optional(),
+  generationId: zod.z.string().nullable().optional()
+}).passthrough();
+var matchListSchema = zod.z.object({
+  leadId: zod.z.string(),
+  generationId: zod.z.string().nullable().optional(),
+  lenders: zod.z.array(lenderMatchSchema)
+}).passthrough();
+var packageSchema = zod.z.object({
+  packageId: zod.z.string().optional(),
+  caseId: zod.z.string().optional(),
+  id: zod.z.string().optional(),
+  generationId: zod.z.string().nullable().optional(),
+  auth: zod.z.string().optional(),
+  error: zod.z.string().optional(),
+  deskUrl: zod.z.string().optional()
+}).passthrough();
+var shareConsentSchema = zod.z.object({
+  id: zod.z.string(),
+  leadId: zod.z.string(),
+  packageId: zod.z.string(),
+  packageVersion: zod.z.number(),
+  lenderId: zod.z.string().optional(),
+  scope: zod.z.array(zod.z.string()),
+  expiresAt: zod.z.string(),
+  revokedAt: zod.z.string().nullable().optional(),
+  borrowerRef: zod.z.string().optional(),
+  grantedAt: zod.z.string().optional()
+}).passthrough();
+var shareReceiptSchema = zod.z.object({
+  id: zod.z.string(),
+  consentId: zod.z.string(),
+  event: zod.z.string(),
+  createdAt: zod.z.string(),
+  lenderId: zod.z.string().optional()
+}).passthrough();
+var leadOutcomeSchema = zod.z.object({
+  id: zod.z.string(),
+  leadId: zod.z.string(),
+  lenderId: zod.z.string(),
+  state: zod.z.string(),
+  reasonCode: zod.z.string().nullable().optional(),
+  reasonText: zod.z.string().nullable().optional(),
+  fundedAmount: zod.z.number().nullable().optional(),
+  fundedOn: zod.z.string().nullable().optional(),
+  surface: zod.z.string().optional(),
+  feedbackId: zod.z.string().nullable().optional(),
+  matchGenerationId: zod.z.string().nullable().optional(),
+  createdAt: zod.z.string().optional()
+}).passthrough();
+var creditBoxSchema = zod.z.object({
+  version: zod.z.number(),
+  lenderId: zod.z.string().optional(),
+  criteria: zod.z.record(zod.z.unknown()).optional(),
+  capacityPerWeek: zod.z.number().nullable().optional(),
+  status: zod.z.string(),
+  pausedUntil: zod.z.string().nullable().optional(),
+  createdAt: zod.z.string().optional()
+}).passthrough();
+var creditBoxViewSchema = zod.z.object({
+  current: creditBoxSchema.nullable(),
+  versions: zod.z.array(creditBoxSchema)
+}).passthrough();
+var feedbackEventSchema = zod.z.object({
+  id: zod.z.string(),
+  generationId: zod.z.string().nullable().optional(),
+  caseId: zod.z.string().nullable().optional(),
+  surface: zod.z.string().optional(),
+  type: zod.z.string(),
+  rating: zod.z.number().nullable().optional(),
+  comment: zod.z.string().nullable().optional(),
+  targetKind: zod.z.string().optional(),
+  targetKey: zod.z.string().optional(),
+  createdAt: zod.z.string().optional()
+}).passthrough();
+var feedbackCreatedSchema = zod.z.object({
+  id: zod.z.string()
+}).passthrough();
+var liquidityCellSchema = zod.z.object({
+  key: zod.z.string(),
+  leads: zod.z.number(),
+  matchRate: zod.z.number().nullable().optional(),
+  responseRate48h: zod.z.number().nullable().optional(),
+  medianResponseMs: zod.z.number().nullable().optional(),
+  termSheetRate: zod.z.number().nullable().optional(),
+  fundedRate: zod.z.number().nullable().optional(),
+  fundedAmount: zod.z.number().nullable().optional(),
+  lenderCount: zod.z.number().optional()
+}).passthrough();
+var liquidityReportSchema = zod.z.object({
+  view: zod.z.string(),
+  groupBy: zod.z.string(),
+  cells: zod.z.array(liquidityCellSchema)
+}).passthrough();
+var secureLendEventSchema = zod.z.object({
+  type: zod.z.string(),
+  id: zod.z.string(),
+  createdAt: zod.z.string(),
+  tenantId: zod.z.string(),
+  data: zod.z.record(zod.z.unknown()).optional()
+}).passthrough();
+
 // src/types/index.ts
 var anyObjectSchema = zod.z.object({}).passthrough();
 var CreditTier = /* @__PURE__ */ ((CreditTier2) => {
@@ -577,8 +768,14 @@ var leaseVsPurchaseResponseSchema = zod.z.object({
 exports.ApplicationStatus = ApplicationStatus;
 exports.ApplicationType = ApplicationType;
 exports.CreditTier = CreditTier;
+exports.DECLINE_REASON_CODES = DECLINE_REASON_CODES;
+exports.EVENT_TYPES = EVENT_TYPES;
+exports.FEEDBACK_TARGETS = FEEDBACK_TARGETS;
+exports.FEEDBACK_TYPES = FEEDBACK_TYPES;
+exports.OUTCOME_STATES = OUTCOME_STATES;
 exports.ProductType = ProductType;
 exports.ProviderStatus = ProviderStatus;
+exports.SHARE_SCOPES = SHARE_SCOPES;
 exports.anyOfferSchema = anyOfferSchema;
 exports.applicationProviderSchema = applicationProviderSchema;
 exports.autoLoanSearchSchema = autoLoanSearchSchema;
@@ -593,23 +790,36 @@ exports.businessCreditCardSearchSchema = businessCreditCardSearchSchema;
 exports.businessLoanSearchSchema = businessLoanSearchSchema;
 exports.createBusinessApplicationSchema = createBusinessApplicationSchema;
 exports.createPersonalApplicationSchema = createPersonalApplicationSchema;
+exports.creditBoxSchema = creditBoxSchema;
+exports.creditBoxViewSchema = creditBoxViewSchema;
 exports.creditCardOfferSchema = creditCardOfferSchema;
 exports.displayOfferFormResponseSchema = displayOfferFormResponseSchema;
 exports.displayOfferFormSchema = displayOfferFormSchema;
 exports.displayUploadDocumentsFormResponseSchema = displayUploadDocumentsFormResponseSchema;
 exports.displayUploadDocumentsFormSchema = displayUploadDocumentsFormSchema;
 exports.documentTypeEnum = documentTypeEnum;
+exports.feedbackCreatedSchema = feedbackCreatedSchema;
+exports.feedbackEventSchema = feedbackEventSchema;
 exports.getMultipleOffersSchema = getMultipleOffersSchema;
 exports.getOfferSchema = getOfferSchema;
+exports.leadListSchema = leadListSchema;
+exports.leadOutcomeSchema = leadOutcomeSchema;
+exports.leadSchema = leadSchema;
 exports.leaseVsPurchaseResponseSchema = leaseVsPurchaseResponseSchema;
 exports.leaseVsPurchaseSchema = leaseVsPurchaseSchema;
+exports.lenderMatchSchema = lenderMatchSchema;
+exports.liquidityCellSchema = liquidityCellSchema;
+exports.liquidityReportSchema = liquidityReportSchema;
 exports.loanComparisonResponseSchema = loanComparisonResponseSchema;
 exports.loanOfferSchema = loanOfferSchema;
 exports.loanPaymentResponseSchema = loanPaymentResponseSchema;
 exports.loanPaymentSchema = loanPaymentSchema;
+exports.matchComponentsSchema = matchComponentsSchema;
+exports.matchListSchema = matchListSchema;
 exports.mortgagePaymentResponseSchema = mortgagePaymentResponseSchema;
 exports.mortgagePaymentSchema = mortgagePaymentSchema;
 exports.mortgageSearchSchema = mortgageSearchSchema;
+exports.packageSchema = packageSchema;
 exports.personalApplicantSchema = personalApplicantSchema;
 exports.personalApplicationSchema = personalApplicationSchema;
 exports.personalBankingComparisonResponseSchema = personalBankingComparisonResponseSchema;
@@ -622,10 +832,14 @@ exports.personalLoanSearchSchema = personalLoanSearchSchema;
 exports.savingsComparisonResponseSchema = savingsComparisonResponseSchema;
 exports.savingsOfferSchema = savingsOfferSchema;
 exports.savingsSearchSchema = savingsSearchSchema;
+exports.secureLendEventSchema = secureLendEventSchema;
+exports.shareConsentSchema = shareConsentSchema;
+exports.shareReceiptSchema = shareReceiptSchema;
 exports.studentLoanSearchSchema = studentLoanSearchSchema;
 exports.submitDocumentsResponseSchema = submitDocumentsResponseSchema;
 exports.submitDocumentsSchema = submitDocumentsSchema;
 exports.trackOfferStatusResponseSchema = trackOfferStatusResponseSchema;
 exports.trackOfferStatusSchema = trackOfferStatusSchema;
+exports.uploadResultSchema = uploadResultSchema;
 //# sourceMappingURL=index.js.map
 //# sourceMappingURL=index.js.map

package/dist/types/index.js.map

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{ z } from \"zod\";\n\n// A generic schema for application data, which can be any of the search schemas\nconst anyObjectSchema = z.object({}).passthrough();\n\n// Shared Enums\nexport enum CreditTier {\n  PRIME = \"PRIME\",\n  NEAR_PRIME = \"NEAR_PRIME\",\n  SUBPRIME = \"SUBPRIME\",\n  DEEP_SUBPRIME = \"DEEP_SUBPRIME\",\n  UNKNOWN = \"UNKNOWN\",\n}\n\nexport enum ProductType {\n  INSTALLMENT_LOAN = \"INSTALLMENT_LOAN\",\n  LINE_OF_CREDIT = \"LINE_OF_CREDIT\",\n  SHORT_TERM_CREDIT = \"SHORT_TERM_CREDIT\",\n  BNPL = \"BNPL\",\n  MORTGAGE = \"MORTGAGE\",\n  AUTO_LOAN = \"AUTO_LOAN\",\n  AUTO_REFINANCE = \"AUTO_REFINANCE\",\n  STUDENT_LOAN = \"STUDENT_LOAN\",\n  STUDENT_LOAN_REFINANCE = \"STUDENT_LOAN_REFINANCE\",\n  BUSINESS_LOAN = \"BUSINESS_LOAN\",\n  BUSINESS_BANKING = \"BUSINESS_BANKING\",\n  BUSINESS_CREDIT_CARD = \"BUSINESS_CREDIT_CARD\",\n  PERSONAL_BANKING = \"PERSONAL_BANKING\",\n  SAVINGS_ACCOUNT = \"SAVINGS_ACCOUNT\",\n  PERSONAL_CREDIT_CARD = \"PERSONAL_CREDIT_CARD\",\n}\n\n// Lender Directory Related Types\nexport interface Lender {\n  lender_id: string;\n  canonical_name: string;\n  entity_type: string;\n  product_types: string[];\n  credit_tier_target: string[];\n  amount_min?: number;\n  amount_max?: number;\n  states_served?: string[];\n  funding_speed?: string;\n  brand_status: string;\n  exclusion_reason?: string;\n  source: string;\n  updated_at: string;\n  gsi1pks: string[];\n  lanes?: string[];\n  primary_lane?: string;\n  lane_pk?: string;\n}\n\nexport interface LenderSearchCriteria {\n  creditScore?: number;\n  creditTier?: CreditTier;\n  loanAmount: number;\n  state?: string;\n  productType: ProductType;\n  includeReviewStatus?: boolean; // Include lenders with REVIEW status\n}\n\n// Loan Offer Related Types\n\nconst moneySchema = z.object({\n  amount: z.number(),\n  currency: z.string().length(3).optional(),\n});\n\nexport type Money = z.infer<typeof moneySchema>;\n\nexport interface BankAccountOffer {\n  id: string;\n  providerName: string;\n  providerLogo?: string;\n  accountName: string;\n  monthlyFee: number;\n  minBalance: number;\n  interestRate: number; // APY\n  features: string[];\n  isSecureLendTenant?: boolean;\n  applicationUrl?: string;\n}\n\nexport interface CreditCardOffer {\n  id: string;\n  issuerName: string;\n  issuerLogo?: string;\n  cardName: string;\n  apr: {\n    min: number;\n    max: number;\n  };\n  annualFee: number;\n  rewards: {\n    type: \"cash_back\" | \"points\" | \"miles\";\n    summary: string;\n    signupBonus?: string;\n  };\n  isSecureLendTenant?: boolean;\n  applicationUrl?: string;\n}\n\nexport const bankAccountOfferSchema = z.object({\n  id: z.string(),\n  providerName: z.string(),\n  providerLogo: z.string().optional(),\n  accountName: z.string(),\n  monthlyFee: z.number(),\n  minBalance: z.number(),\n  interestRate: z.number(),\n  features: z.array(z.string()),\n  isSecureLendTenant: z.boolean().optional(),\n  applicationUrl: z.string().url().optional(),\n});\n\nexport const 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\"PENDING\", // Not yet sent\n  SUBMITTED = \"SUBMITTED\", // Sent to provider\n  REFERRED = \"REFERRED\", // Sent via affiliate link\n  ERROR = \"ERROR\", // Failed to send\n  RECEIVED = \"RECEIVED\", // Provider acknowledged\n}\n\nexport const personalApplicantSchema = z.object({\n  firstName: z.string().describe(\"The applicant's first name.\"),\n  lastName: z.string().describe(\"The applicant's last name.\"),\n  email: z.string().email().describe(\"The applicant's email address.\"),\n  phone: z.string().optional().describe(\"The applicant's phone number.\"),\n});\n\n// Published Schema Aligned Types\n\nconst lenderSchema = z.object({\n  id: z.string(),\n  name: z.string(),\n  type: z.string(),\n  logoUrl: z.string().url().optional(),\n});\n\nconst productSchema = z.object({\n  name: z.string(),\n  type: z.string(),\n  description: z.string().optional(),\n});\n\nconst loanTermsSchema = z.object({\n  amount: moneySchema,\n  interestRate: z.object({\n    type: z.enum([\"fixed\", \"variable\"]),\n    rate: z.number().optional(), // rate might not always be available if only APR is given\n    apr: z.number(),\n  }),\n  termMonths: z.number().int(),\n  payment: z.object({\n    frequency: z.string().optional(),\n    amount: moneySchema,\n  }),\n  totalCost: moneySchema.optional(),\n  repayment: z\n    .object({\n      totalRepaymentAmount: z.number(),\n      costOfFinancing: z.number(),\n    })\n    .optional(),\n});\n\nconst loanFeesSchema = z\n  .object({\n    origination: z\n      .object({\n        amount: moneySchema.optional(),\n        percentage: z.number().optional(),\n      })\n      .optional(),\n  })\n  .optional();\n\nconst matchingSchema = z\n  .object({\n    approvalProbability: z.number().min(0).max(1).optional(),\n    matchScore: z.number().min(0).max(100).optional(),\n    matchReasons: z.array(z.string()).optional(),\n  })\n  .optional();\n\nconst processSchema = z.object({\n  applicationMethod: z.string(),\n  applicationUrl: z.string().url().optional(),\n  fundingSpeed: z\n    .object({\n      description: z.string(),\n    })\n    .optional(),\n});\n\nexport const loanOfferSchema = z.object({\n  offerId: z.string(),\n  lender: lenderSchema,\n  product: productSchema,\n  terms: loanTermsSchema,\n  fees: loanFeesSchema,\n  matching: matchingSchema,\n  process: processSchema.optional(),\n  // Additional fields for UI that were in the old schema\n  lenderInfo: z.string().optional(),\n  badges: z.array(z.string()).optional(),\n  isSecureLendTenant: z.boolean().optional(),\n});\n\nexport type LoanOffer = z.infer<typeof loanOfferSchema>;\n\n// Adapter Interface\nexport interface PersonalLenderAdapter {\n  readonly name: string;\n  search(params: PersonalLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface BusinessLenderAdapter {\n  readonly name: string;\n  search(params: BusinessLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface MortgageLenderAdapter {\n  readonly name: string;\n  search(params: MortgageSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface AutoLenderAdapter {\n  readonly name: string;\n  search(params: AutoLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface StudentLenderAdapter {\n  readonly name: string;\n  search(params: StudentLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface BusinessCreditCardAdapter {\n  readonly name: string;\n  search(\n    params: BusinessCreditCardSearchParams,\n  ): Promise<BusinessCreditCardOffer[]>;\n}\n\nexport interface BusinessBankingAdapter {\n  readonly name: string;\n  search(\n    params: BusinessBankingSearchSchema & {\n      maxResults?: number;\n      includeReviewStatus?: boolean;\n    },\n  ): Promise<BusinessBankingOffer[]>;\n}\n\nexport interface PersonalBankingAdapter {\n  readonly name: string;\n  search(params: PersonalBankingSearchSchema): Promise<PersonalBankingOffer[]>;\n}\n\nexport interface SavingsAdapter {\n  readonly name: string;\n  search(params: SavingsSearchSchema): Promise<SavingsOffer[]>;\n}\n\nexport interface PersonalCreditCardAdapter {\n  readonly name: string;\n  search(\n    params: PersonalCreditCardSearchSchema,\n  ): Promise<PersonalCreditCardOffer[]>;\n}\n\n// Zod Schemas for Tool Input/Output\nexport const personalLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(100000)\n    .describe(\"The desired loan amount in USD (e.g., 25000).\"),\n  purpose: z\n    .enum([\n      \"debt_consolidation\",\n      \"home_improvement\",\n      \"major_purchase\",\n      \"medical\",\n      \"vacation\",\n      \"other\",\n    ])\n    .describe(\"The purpose of the loan.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  monthlyIncome: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"Applicant's gross monthly income in USD.\"),\n  employmentStatus: z\n    .enum([\"employed\", \"self_employed\", \"retired\", \"unemployed\"])\n    .optional()\n    .describe(\"The applicant's employment status.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The applicant's state of residence (2-letter code).\"),\n});\nexport type PersonalLoanSearchParams = z.infer<typeof personalLoanSearchSchema>;\n\n// Generic schema for business loan data\nexport const businessLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .describe(\"The desired loan amount, e.g., 50000 for $50,000.\"),\n  purpose: z\n    .string()\n    .describe(\"The reason for the loan, e.g., 'working capital'.\"),\n  annualRevenue: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The business's gross annual revenue in USD.\"),\n  industry: z\n    .string()\n    .optional()\n    .describe(\"The industry the business operates in, e.g., 'technology'.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The state where the business is located (2-letter code).\"),\n});\nexport type BusinessLoanSearchParams = z.infer<typeof businessLoanSearchSchema>;\n\nexport const mortgageSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(50000)\n    .max(2000000)\n    .describe(\"The desired mortgage loan amount in USD.\"),\n  homePrice: z\n    .number()\n    .min(50000)\n    .max(5000000)\n    .optional()\n    .describe(\"The purchase price of the home in USD.\"),\n  downPayment: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The amount of the down payment in USD.\"),\n  creditScore: z\n    .number()\n    .min(500)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (500-850).\"),\n  loanType: z\n    .enum([\"conventional\", \"fha\", \"va\", \"jumbo\", \"refinance\"])\n    .describe(\"The type of mortgage loan.\"),\n  propertyType: z\n    .enum([\"primary\", \"secondary\", \"investment\"])\n    .optional()\n    .describe(\"The intended use of the property.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The state where the property is located (2-letter code).\"),\n});\nexport type MortgageSearchParams = z.infer<typeof mortgageSearchSchema>;\n\nexport const autoLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(100000)\n    .describe(\"The desired auto loan amount in USD.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  isNew: z\n    .boolean()\n    .describe(\"Specifies if the vehicle is new (true) or used (false).\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The applicant's state of residence (2-letter code).\"),\n});\nexport type AutoLoanSearchParams = z.infer<typeof autoLoanSearchSchema>;\n\nexport const studentLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(250000)\n    .describe(\"The total amount needed for the student loan in USD.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The student's estimated credit score (300-850).\"),\n  coSignerCreditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\n      \"The co-signer's estimated credit score (300-850), if applicable.\",\n    ),\n  degreeType: z\n    .enum([\"undergraduate\", \"graduate\", \"mba\", \"medical\", \"law\"])\n    .describe(\"The type of degree the loan is for.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The student's state of residence (2-letter code).\"),\n});\nexport type StudentLoanSearchParams = z.infer<typeof studentLoanSearchSchema>;\n\n// Schemas for Business Credit Card Comparison\nexport const businessCreditCardSearchSchema = z.object({\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  annualRevenue: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The business's annual revenue in USD.\"),\n  businessAgeInYears: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The age of the business in years.\"),\n});\nexport type BusinessCreditCardSearchParams = z.infer<\n  typeof businessCreditCardSearchSchema\n>;\n\nexport const businessCreditCardOfferSchema = z.object({\n  cardId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  creditScoreRange: z.string(),\n  welcomeBonus: z.string(),\n  terms: z.object({\n    apr: z.number(),\n    annualFee: z.number(),\n    creditLimit: moneySchema,\n  }),\n});\nexport type BusinessCreditCardOffer = z.infer<\n  typeof businessCreditCardOfferSchema\n>;\n\nexport const businessCreditCardComparisonResponseSchema = z.object({\n  offers: z.array(businessCreditCardOfferSchema),\n  searchCriteria: businessCreditCardSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type BusinessCreditCardComparisonResponse = z.infer<\n  typeof businessCreditCardComparisonResponseSchema\n>;\n\n// Schemas for Business Banking Comparison\nexport const businessBankingSearchSchema = z.object({\n  industry: z.string().optional().describe(\"The business's industry.\"),\n  monthlyTransactions: z\n    .number()\n    .optional()\n    .describe(\"Estimated number of monthly transactions.\"),\n});\nexport type BusinessBankingSearchSchema = z.infer<\n  typeof businessBankingSearchSchema\n>;\n\nexport const businessBankingOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  monthlyFee: z.string(),\n  bonus: z.string(),\n});\nexport type BusinessBankingOffer = z.infer<typeof businessBankingOfferSchema>;\n\nexport const businessBankingComparisonResponseSchema = z.object({\n  offers: z.array(businessBankingOfferSchema),\n  searchCriteria: businessBankingSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type BusinessBankingComparisonResponse = z.infer<\n  typeof businessBankingComparisonResponseSchema\n>;\n\n// Schemas for Personal Banking Comparison\nexport const personalBankingSearchSchema = z.object({\n  features: z\n    .array(z.string())\n    .optional()\n    .describe(\"Desired account features.\"),\n});\nexport type PersonalBankingSearchSchema = z.infer<\n  typeof personalBankingSearchSchema\n>;\n\nexport const personalBankingOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  bonus: z.string(),\n  monthlyFee: z.string(),\n  overdraftRating: z.number().min(0).max(5),\n});\nexport type PersonalBankingOffer = z.infer<typeof personalBankingOfferSchema>;\n\nexport const personalBankingComparisonResponseSchema = z.object({\n  offers: z.array(personalBankingOfferSchema),\n  searchCriteria: personalBankingSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type PersonalBankingComparisonResponse = z.infer<\n  typeof personalBankingComparisonResponseSchema\n>;\n\n// Schemas for Savings Account Comparison\nexport const savingsSearchSchema = z.object({\n  initialDeposit: z\n    .number()\n    .optional()\n    .describe(\"The initial deposit amount in USD.\"),\n});\nexport type SavingsSearchSchema = z.infer<typeof savingsSearchSchema>;\n\nexport const savingsOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  minBalanceForApy: z.string(),\n  monthlyFee: z.string(),\n});\nexport type SavingsOffer = z.infer<typeof savingsOfferSchema>;\n\nexport const savingsComparisonResponseSchema = z.object({\n  offers: z.array(savingsOfferSchema),\n  searchCriteria: savingsSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type SavingsAccountComparisonResponse = z.infer<\n  typeof savingsComparisonResponseSchema\n>;\n\n// Schemas for Personal Credit Card Comparison\nexport const personalCreditCardSearchSchema = z.object({\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  rewardsType: z\n    .enum([\"cash_back\", \"travel\", \"points\"])\n    .optional()\n    .describe(\"Preferred rewards type.\"),\n});\nexport type PersonalCreditCardSearchSchema = z.infer<\n  typeof personalCreditCardSearchSchema\n>;\n\nexport const personalCreditCardOfferSchema = z.object({\n  cardId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  rewardsRate: z.string(),\n  introOffer: z.string(),\n  recommendedCreditScore: z.string(),\n  terms: z.object({\n    apr: z.object({\n      purchase: z.number(),\n      balanceTransfer: z.number(),\n      penalty: z.number().optional(),\n    }),\n    fees: z.object({\n      annual: z.number(),\n    }),\n  }),\n  applicationUrl: z.string().url().optional(),\n});\nexport type PersonalCreditCardOffer = z.infer<\n  typeof personalCreditCardOfferSchema\n>;\n\nexport const personalCreditCardComparisonResponseSchema = z.object({\n  offers: z.array(personalCreditCardOfferSchema),\n  searchCriteria: personalCreditCardSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type PersonalCreditCardComparisonResponse = z.infer<\n  typeof personalCreditCardComparisonResponseSchema\n>;\n\nexport const loanComparisonResponseSchema = z.object({\n  offers: z.array(loanOfferSchema),\n  summary: z.object({\n    totalOffers: z.number().int(),\n    bestRate: z.number(),\n    bestApprovalProbability: z.number().optional(),\n    fastestFunding: z.string().optional(),\n  }),\n  searchCriteria: z\n    .union([\n      personalLoanSearchSchema,\n      businessLoanSearchSchema,\n      mortgageSearchSchema,\n      autoLoanSearchSchema,\n      studentLoanSearchSchema,\n    ])\n    .optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type LoanComparisonResponse = z.infer<\n  typeof loanComparisonResponseSchema\n>;\n\nexport const applicationProviderSchema = z.object({\n  providerId: z.string(),\n  providerName: z.string(),\n  status: z.nativeEnum(ProviderStatus),\n  submittedAt: z.string().optional(),\n  providerApplicationId: z.string().optional(),\n  referralUrl: z.string().url().optional(),\n  error: z.string().optional(),\n});\n\nexport const personalApplicationSchema = z.object({\n  id: z.string(),\n  createdAt: z.string(),\n  updatedAt: z.string(),\n  applicationType: z.nativeEnum(ApplicationType),\n  productType: z.union([z.nativeEnum(ProductType), z.string()]),\n  status: z.nativeEnum(ApplicationStatus),\n  applicant: personalApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z.array(applicationProviderSchema),\n  email: z.string().email(),\n  widget: z.string().optional(),\n});\n\n// Application & Lead Types\n\nexport interface ApplicationProvider {\n  providerId: string;\n  providerName: string;\n  status: ProviderStatus;\n  submittedAt?: string;\n  providerApplicationId?: string;\n  referralUrl?: string;\n  error?: string;\n}\n\nexport interface PersonalApplicant {\n  firstName: string;\n  lastName: string;\n  email: string;\n  phone?: string;\n}\n\nexport interface BusinessApplicant {\n  businessName: string;\n  ein?: string;\n  contact: PersonalApplicant;\n}\n\nexport interface Application<TApplicant, TData> {\n  id: string; // PK\n  createdAt: string;\n  updatedAt: string;\n  applicationType: ApplicationType;\n  productType: ProductType | string;\n  status: ApplicationStatus;\n  applicant: TApplicant;\n  applicationData: TData;\n  providers: ApplicationProvider[];\n  email: string; // For GSI\n  widget?: string;\n}\n\nexport type PersonalApplication = Application<\n  PersonalApplicant,\n  Record<string, unknown>\n>;\nexport type BusinessApplication = Application<\n  BusinessApplicant,\n  Record<string, unknown>\n>;\nexport type GenericApplication = Application<\n  PersonalApplicant | BusinessApplicant,\n  Record<string, unknown>\n>;\n\n// Zod schemas for validation\n\nexport const createPersonalApplicationSchema = z.object({\n  productType: z.nativeEnum(ProductType),\n  applicant: personalApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z\n    .array(z.object({ providerId: z.string(), providerName: z.string() }))\n    .optional(),\n});\nexport type CreatePersonalApplicationDTO = z.infer<\n  typeof createPersonalApplicationSchema\n>;\n\nexport const displayOfferFormSchema = z.object({\n  sessionId: z\n    .string()\n    .optional()\n    .describe(\"The session ID from a previous search to retrieve all offers.\"),\n  offerId: z\n    .string()\n    .optional()\n    .describe(\"The specific offer ID to pre-select in the form.\"),\n});\nexport type DisplayOfferFormParams = z.infer<typeof displayOfferFormSchema>;\n\nexport const anyOfferSchema = z.union([\n  loanOfferSchema,\n  businessCreditCardOfferSchema,\n  businessBankingOfferSchema,\n  personalBankingOfferSchema,\n  savingsOfferSchema,\n  personalCreditCardOfferSchema,\n]);\n\nexport const displayOfferFormResponseSchema = z.object({\n  offer: anyOfferSchema,\n  allOffers: z.array(anyOfferSchema),\n  applicationData: anyObjectSchema,\n  productType: z.string(),\n  widget: z.string().optional(),\n});\nexport type DisplayOfferFormResponse = z.infer<\n  typeof displayOfferFormResponseSchema\n>;\n\nexport const getOfferSchema = z.object({\n  productType: z\n    .nativeEnum(ProductType)\n    .describe(\"The type of financial product being applied for.\"),\n  applicant: personalApplicantSchema.describe(\n    \"Personal details of the applicant.\",\n  ),\n  applicationData: anyObjectSchema.describe(\n    \"The original search parameters or form data for the application.\",\n  ),\n  provider: z\n    .object({\n      providerId: z.string().describe(\"The ID of the selected provider.\"),\n      providerName: z.string().describe(\"The name of the selected provider.\"),\n    })\n    .describe(\"The selected provider to submit the application to.\"),\n});\nexport type GetOfferParams = z.infer<typeof getOfferSchema>;\n\nexport const getMultipleOffersSchema = z.object({\n  productType: z\n    .nativeEnum(ProductType)\n    .describe(\"The type of financial product being applied for.\"),\n  applicant: personalApplicantSchema.describe(\n    \"Personal details of the applicant.\",\n  ),\n  applicationData: anyObjectSchema.describe(\n    \"The original search parameters or form data for the application.\",\n  ),\n  providers: z\n    .array(\n      z.object({\n        providerId: z.string().describe(\"The ID of the selected provider.\"),\n        providerName: z.string().describe(\"The name of the selected provider.\"),\n      }),\n    )\n    .min(1)\n    .describe(\"The list of selected providers to submit the application to.\"),\n});\nexport type GetMultipleOffersParams = z.infer<typeof getMultipleOffersSchema>;\n\nexport const trackOfferStatusSchema = z\n  .object({\n    applicationId: z\n      .string()\n      .optional()\n      .describe(\"The unique ID of the application to track.\"),\n    email: z\n      .string()\n      .email()\n      .optional()\n      .describe(\"The email address of the applicant to find applications for.\"),\n  })\n  .refine((data) => data.applicationId || data.email, {\n    message: \"Either applicationId or email must be provided.\",\n  });\nexport type TrackOfferStatusParams = z.infer<typeof trackOfferStatusSchema>;\n\nexport const trackOfferStatusResponseSchema = z.object({\n  applications: z.array(personalApplicationSchema),\n  widget: z.string().optional(),\n});\nexport type TrackOfferStatusResponse = z.infer<\n  typeof trackOfferStatusResponseSchema\n>;\n\nexport const businessApplicantSchema = z.object({\n  businessName: z.string(),\n  ein: z.string().optional(),\n  contact: personalApplicantSchema,\n});\n\nexport const createBusinessApplicationSchema = z.object({\n  productType: z.nativeEnum(ProductType),\n  applicant: businessApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z\n    .array(z.object({ providerId: z.string(), providerName: z.string() }))\n    .optional(),\n});\nexport type CreateBusinessApplicationDTO = z.infer<\n  typeof createBusinessApplicationSchema\n>;\n\nexport const documentTypeEnum = z.enum([\n  \"articles-of-incorporation\",\n  \"balance-sheet\",\n  \"bank-statement\",\n  \"business-license\",\n  \"business-plan\",\n  \"contract\",\n  \"drivers-license\",\n  \"financial-statement\",\n  \"identity-document\",\n  \"invoice\",\n  \"lease-agreement\",\n  \"other-business-document\",\n  \"other-personal-document\",\n  \"passport\",\n  \"profit-and-loss-statement\",\n  \"proof-of-address\",\n  \"proof-of-income\",\n  \"property-document\",\n  \"purchase-order\",\n  \"tax-return\",\n  \"utility-bill\",\n  \"vehicle-document\",\n  \"voided-check\",\n]);\nexport type DocumentType = z.infer<typeof documentTypeEnum>;\n\nexport const displayUploadDocumentsFormSchema = z.object({\n  applicationId: z\n    .string()\n    .optional()\n    .describe(\"Pre-fill the application ID for the document upload form.\"),\n});\nexport type DisplayUploadDocumentsFormParams = z.infer<\n  typeof displayUploadDocumentsFormSchema\n>;\n\nexport const submitDocumentsSchema = z.object({\n  applicationId: z\n    .string()\n    .describe(\"The ID of the application to associate the document with.\"),\n  fileName: z.string().describe(\"The original name of the file.\"),\n  documentType: documentTypeEnum.describe(\"The category of the document.\"),\n  _openai_meta: z\n    .object({})\n    .passthrough()\n    .optional()\n    .describe(\"Internal metadata from OpenAI (automatically injected)\"),\n});\nexport type SubmitDocumentsParams = z.infer<typeof submitDocumentsSchema>;\n\nexport const submitDocumentsResponseSchema = z.object({\n  success: z.boolean(),\n  message: z.string(),\n  uploadUrl: z.string().url().optional(),\n  uploadFields: z.record(z.string(), z.string()).optional(),\n  documentId: z.string().optional(),\n  widget: z.string().optional(),\n});\nexport type SubmitDocumentsResponse = z.infer<\n  typeof submitDocumentsResponseSchema\n>;\n\nexport const displayUploadDocumentsFormResponseSchema = z.object({\n  widget: z.string().optional(),\n});\nexport type DisplayUploadDocumentsFormResponse = z.infer<\n  typeof displayUploadDocumentsFormResponseSchema\n>;\n\n// Schemas for Calculator Tools\nexport const loanPaymentSchema = z.object({\n  loanAmount: z\n    .number()\n    .describe(\"The total amount of the loan in USD.\")\n    .positive(\"Loan amount must be positive.\"),\n  interestRate: z\n    .number()\n    .describe(\"The annual interest rate (e.g., 5 for 5%).\")\n    .min(0, \"Interest rate cannot be negative.\"),\n  loanTermInMonths: z\n    .number()\n    .describe(\"The duration of the loan in months.\")\n    .positive(\"Loan term must be positive.\")\n    .int(),\n});\nexport type LoanPaymentParams = z.infer<typeof loanPaymentSchema>;\n\nexport const loanPaymentResponseSchema = z.object({\n  monthlyPayment: z.number().describe(\"The calculated monthly payment amount.\"),\n  totalPayment: z\n    .number()\n    .describe(\"The total amount to be paid over the life of the loan.\"),\n  totalInterest: z\n    .number()\n    .describe(\"The total interest paid over the life of the loan.\"),\n  widget: z.string().optional(),\n});\nexport type LoanCalculationResponse = z.infer<typeof loanPaymentResponseSchema>;\n\nexport const mortgagePaymentSchema = z.object({\n  propertyValue: z\n    .number()\n    .describe(\"The total value of the property in USD.\")\n    .positive(\"Property value must be positive.\"),\n  downPayment: z\n    .number()\n    .describe(\"The amount paid upfront in USD.\")\n    .min(0, \"Down payment cannot be negative.\"),\n  interestRate: z\n    .number()\n    .describe(\"The annual interest rate (e.g., 3.5 for 3.5%).\")\n    .min(0, \"Interest rate cannot be negative.\"),\n  loanTermInYears: z\n    .number()\n    .describe(\"The duration of the loan in years.\")\n    .positive(\"Loan term must be positive.\")\n    .int(),\n  propertyTaxRate: z\n    .number()\n    .describe(\n      \"The annual property tax rate as a percentage (e.g., 1.2 for 1.2%).\",\n    )\n    .min(0, \"Property tax rate cannot be negative.\"),\n  homeInsurance: z\n    .number()\n    .describe(\"The annual home insurance cost in USD.\")\n    .min(0, \"Home insurance cannot be negative.\"),\n});\nexport type MortgagePaymentParams = z.infer<typeof mortgagePaymentSchema>;\n\nexport const mortgagePaymentResponseSchema = z.object({\n  loanAmount: z.number().describe(\"The total loan amount after down payment.\"),\n  principalAndInterest: z\n    .number()\n    .describe(\"The monthly payment for principal and interest.\"),\n  monthlyPropertyTax: z\n    .number()\n    .describe(\"The estimated monthly property tax payment.\"),\n  monthlyHomeInsurance: z\n    .number()\n    .describe(\"The estimated monthly home insurance payment.\"),\n  totalMonthlyPayment: z\n    .number()\n    .describe(\"The total estimated monthly payment (PITI).\"),\n  widget: z.string().optional(),\n});\nexport type MortgageCalculationResponse = z.infer<\n  typeof mortgagePaymentResponseSchema\n>;\n\n// Schemas for Lease vs. Purchase Calculator\nexport const leaseVsPurchaseSchema = z.object({\n  // Purchase details\n  purchasePrice: z\n    .number()\n    .positive(\"Purchase price must be positive.\")\n    .describe(\"Total price of the vehicle for purchase in USD.\"),\n  downPayment: z\n    .number()\n    .min(0, \"Down payment cannot be negative.\")\n    .describe(\"Upfront payment amount for purchase in USD.\"),\n  loanTermInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"Loan duration in months for purchase.\"),\n  interestRate: z\n    .number()\n    .min(0, \"Interest rate cannot be negative.\")\n    .describe(\"Annual interest rate for purchase loan (e.g., 5 for 5%).\"),\n  salesTaxRate: z\n    .number()\n    .min(0, \"Sales tax rate cannot be negative.\")\n    .describe(\"Sales tax rate as a percentage (e.g., 7.5 for 7.5%).\"),\n\n  // Lease details\n  leaseTermInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"Lease duration in months.\"),\n  monthlyLeasePayment: z\n    .number()\n    .positive()\n    .describe(\"Monthly payment for the lease in USD.\"),\n  moneyFactor: z\n    .number()\n    .positive(\"Money factor must be positive.\")\n    .describe(\"The money factor for the lease (similar to interest rate).\"),\n  acquisitionFee: z\n    .number()\n    .min(0)\n    .default(0)\n    .describe(\"Fee charged by the lessor to initiate the lease in USD.\"),\n  securityDeposit: z\n    .number()\n    .min(0)\n    .default(0)\n    .describe(\"Refundable deposit paid at the start of the lease in USD.\"),\n\n  // Common details\n  residualValuePercentage: z\n    .number()\n    .min(0)\n    .max(100, \"Residual value percentage cannot exceed 100.\")\n    .describe(\n      \"Estimated value of the vehicle at the end of the lease, as a percentage of MSRP.\",\n    ),\n  expectedOwnershipInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"How long you plan to keep the vehicle, in months.\"),\n});\nexport type LeaseVsPurchaseParams = z.infer<typeof leaseVsPurchaseSchema>;\n\nexport const leaseVsPurchaseResponseSchema = z.object({\n  purchaseAnalysis: z.object({\n    totalLoanPayment: z.number(),\n    totalInterestPaid: z.number(),\n    totalSalesTax: z.number(),\n    equityAfterOwnership: z.number(),\n    totalCostOfOwnership: z.number(),\n    monthlyPayment: z.number(),\n  }),\n  leaseAnalysis: z.object({\n    totalLeasePayments: z.number(),\n    totalUpfrontCosts: z.number(),\n    totalCostOfLeasing: z.number(),\n  }),\n  comparison: z.object({\n    purchaseCostIsLowerBy: z.number(),\n    leaseCostIsLowerBy: z.number(),\n    recommendation: z.string(),\n  }),\n  widget: z.string().optional(),\n});\nexport type LeaseVsPurchaseResponse = z.infer<\n  typeof leaseVsPurchaseResponseSchema\n>;\n\n// ============================================================================\n// SDK Config\n// ============================================================================\n\nexport interface SecureLendConfig {\n  /** API Key for authentication. */\n  apiKey?: string;\n  /** MCP Server URL (default: https://mcp.securelend.ai/mcp) */\n  serverUrl?: string;\n}\n"]}
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{ z } from \"zod\";\n\n/**\n * Response enums are plain strings so a new server value does not crash the client.\n * Request checks use the known lists below.\n */\nexport const OUTCOME_STATES = [\n  \"viewed\",\n  \"info_requested\",\n  \"declined\",\n  \"term_sheet\",\n  \"approved\",\n  \"funded\",\n  \"withdrawn\",\n] as const;\n\nexport const DECLINE_REASON_CODES = [\n  \"outside_credit_box\",\n  \"industry\",\n  \"time_in_business\",\n  \"dscr\",\n  \"collateral\",\n  \"amount\",\n  \"state\",\n  \"credit_score\",\n  \"docs_incomplete\",\n  \"capacity\",\n  \"other\",\n] as const;\n\nexport const SHARE_SCOPES = [\"summary\", \"memo\", \"checks\", \"documents\"] as const;\n\nexport const FEEDBACK_TYPES = [\n  \"rating\",\n  \"edit\",\n  \"comment\",\n  \"approve\",\n  \"reject\",\n  \"regenerate\",\n] as const;\n\nexport const FEEDBACK_TARGETS = [\n  \"memo_section\",\n  \"memo\",\n  \"tool\",\n  \"decision\",\n  \"lead_match\",\n] as const;\n\nexport const EVENT_TYPES = [\n  \"lead.created\",\n  \"lead.matched\",\n  \"lead.notified\",\n  \"package.shared\",\n  \"package.opened\",\n  \"consent.revoked\",\n  \"outcome.recorded\",\n  \"credit_box.updated\",\n  \"feedback.recorded\",\n] as const;\n\nexport const leadSchema = z\n  .object({\n    id: z.string(),\n    tenantId: z.string().nullable().optional(),\n    status: z.string().nullable().optional(),\n    productType: z.string().nullable().optional(),\n    amount: z.number().nullable().optional(),\n    legalName: z.string().nullable().optional(),\n    email: z.string().nullable().optional(),\n    caseId: z.string().nullable().optional(),\n    lenders: z\n      .array(\n        z\n          .object({\n            id: z.string().nullable().optional(),\n            name: z.string().optional(),\n            tenantId: z.string().nullable().optional(),\n          })\n          .passthrough(),\n      )\n      .optional(),\n    createdAt: z.string().optional(),\n    updatedAt: z.string().optional(),\n  })\n  .passthrough();\nexport type Lead = z.infer<typeof leadSchema>;\n\nexport const leadListSchema = z\n  .object({\n    items: z.array(leadSchema),\n    tenantId: z.string().optional(),\n  })\n  .passthrough();\n\nexport const uploadResultSchema = z\n  .object({\n    key: z.string().optional(),\n    filename: z.string().optional(),\n    documentType: z.string().optional(),\n    applicationId: z.string().optional(),\n  })\n  .passthrough();\nexport type UploadResult = z.infer<typeof uploadResultSchema>;\n\nexport const matchComponentsSchema = z\n  .object({\n    rules: z.number().nullable().optional(),\n    fit: z.number().nullable().optional(),\n    outcome: z.number().nullable().optional(),\n    sba: z.number().nullable().optional(),\n    samples: z.number().nullable().optional(),\n  })\n  .passthrough();\nexport type MatchComponents = z.infer<typeof matchComponentsSchema>;\n\nexport const lenderMatchSchema = z\n  .object({\n    lenderId: z.string().nullable().optional(),\n    score: z.number().nullable().optional(),\n    components: matchComponentsSchema.nullable().optional(),\n    generationId: z.string().nullable().optional(),\n  })\n  .passthrough();\nexport type LenderMatch = z.infer<typeof lenderMatchSchema>;\n\nexport const matchListSchema = z\n  .object({\n    leadId: z.string(),\n    generationId: z.string().nullable().optional(),\n    lenders: z.array(lenderMatchSchema),\n  })\n  .passthrough();\nexport type MatchList = z.infer<typeof matchListSchema>;\n\nexport const packageSchema = z\n  .object({\n    packageId: z.string().optional(),\n    caseId: z.string().optional(),\n    id: z.string().optional(),\n    generationId: z.string().nullable().optional(),\n    auth: z.string().optional(),\n    error: z.string().optional(),\n    deskUrl: z.string().optional(),\n  })\n  .passthrough();\nexport type PackageRecord = z.infer<typeof packageSchema>;\n\nexport const shareConsentSchema = z\n  .object({\n    id: z.string(),\n    leadId: z.string(),\n    packageId: z.string(),\n    packageVersion: z.number(),\n    lenderId: z.string().optional(),\n    scope: z.array(z.string()),\n    expiresAt: z.string(),\n    revokedAt: z.string().nullable().optional(),\n    borrowerRef: z.string().optional(),\n    grantedAt: z.string().optional(),\n  })\n  .passthrough();\nexport type ShareConsent = z.infer<typeof shareConsentSchema>;\n\nexport const shareReceiptSchema = z\n  .object({\n    id: z.string(),\n    consentId: z.string(),\n    event: z.string(),\n    createdAt: z.string(),\n    lenderId: z.string().optional(),\n  })\n  .passthrough();\nexport type ShareReceipt = z.infer<typeof shareReceiptSchema>;\n\nexport const leadOutcomeSchema = z\n  .object({\n    id: z.string(),\n    leadId: z.string(),\n    lenderId: z.string(),\n    state: z.string(),\n    reasonCode: z.string().nullable().optional(),\n    reasonText: z.string().nullable().optional(),\n    fundedAmount: z.number().nullable().optional(),\n    fundedOn: z.string().nullable().optional(),\n    surface: z.string().optional(),\n    feedbackId: z.string().nullable().optional(),\n    matchGenerationId: z.string().nullable().optional(),\n    createdAt: z.string().optional(),\n  })\n  .passthrough();\nexport type LeadOutcome = z.infer<typeof leadOutcomeSchema>;\n\nexport const creditBoxSchema = z\n  .object({\n    version: z.number(),\n    lenderId: z.string().optional(),\n    criteria: z.record(z.unknown()).optional(),\n    capacityPerWeek: z.number().nullable().optional(),\n    status: z.string(),\n    pausedUntil: z.string().nullable().optional(),\n    createdAt: z.string().optional(),\n  })\n  .passthrough();\nexport type CreditBox = z.infer<typeof creditBoxSchema>;\n\nexport const creditBoxViewSchema = z\n  .object({\n    current: creditBoxSchema.nullable(),\n    versions: z.array(creditBoxSchema),\n  })\n  .passthrough();\nexport type CreditBoxView = z.infer<typeof creditBoxViewSchema>;\n\nexport const feedbackEventSchema = z\n  .object({\n    id: z.string(),\n    generationId: z.string().nullable().optional(),\n    caseId: z.string().nullable().optional(),\n    surface: z.string().optional(),\n    type: z.string(),\n    rating: z.number().nullable().optional(),\n    comment: z.string().nullable().optional(),\n    targetKind: z.string().optional(),\n    targetKey: z.string().optional(),\n    createdAt: z.string().optional(),\n  })\n  .passthrough();\nexport type FeedbackEvent = z.infer<typeof feedbackEventSchema>;\n\nexport const feedbackCreatedSchema = z\n  .object({\n    id: z.string(),\n  })\n  .passthrough();\nexport type FeedbackCreated = z.infer<typeof feedbackCreatedSchema>;\n\nexport const liquidityCellSchema = z\n  .object({\n    key: z.string(),\n    leads: z.number(),\n    matchRate: z.number().nullable().optional(),\n    responseRate48h: z.number().nullable().optional(),\n    medianResponseMs: z.number().nullable().optional(),\n    termSheetRate: z.number().nullable().optional(),\n    fundedRate: z.number().nullable().optional(),\n    fundedAmount: z.number().nullable().optional(),\n    lenderCount: z.number().optional(),\n  })\n  .passthrough();\nexport type LiquidityCell = z.infer<typeof liquidityCellSchema>;\n\nexport const liquidityReportSchema = z\n  .object({\n    view: z.string(),\n    groupBy: z.string(),\n    cells: z.array(liquidityCellSchema),\n  })\n  .passthrough();\nexport type LiquidityMetrics = z.infer<typeof liquidityReportSchema>;\n\nexport const secureLendEventSchema = z\n  .object({\n    type: z.string(),\n    id: z.string(),\n    createdAt: z.string(),\n    tenantId: z.string(),\n    data: z.record(z.unknown()).optional(),\n  })\n  .passthrough();\nexport type SecureLendEvent = z.infer<typeof secureLendEventSchema>;\n\nexport interface LeadCreateInput {\n  confirmed?: boolean;\n  legalName?: string;\n  email?: string;\n  productType?: string;\n  amount?: number;\n  lenders?: Array<{\n    id?: string;\n    name?: string;\n    email?: string;\n    tenantId?: string;\n  }>;\n  [key: string]: unknown;\n}\n\nexport interface LeadListFilter {\n  status?: string;\n}\n\nexport interface UploadFile {\n  filename: string;\n  bytes: Uint8Array;\n  mime?: string;\n  documentType?: string;\n}\n\nexport interface PackageStartInput {\n  borrower: string;\n  amount: number;\n  currency: string;\n  security: \"unsecured\" | \"secured\";\n  guarantees?: Array<Record<string, unknown>>;\n  purpose?: string;\n  tenorMonths?: number;\n  amortisation?: string;\n  pricing?: string;\n}\n\nexport interface ConsentCreateInput {\n  leadId: string;\n  packageId: string;\n  packageVersion: number;\n  lenderIds?: string[];\n  scope?: string[];\n  expiresAt: string;\n  borrowerRef: string;\n}\n\nexport interface OutcomeRecordInput {\n  lenderId?: string;\n  state: string;\n  reasonCode?: string;\n  reasonText?: string;\n  fundedAmount?: number;\n  fundedOn?: string;\n  surface?: string;\n}\n\nexport interface CreditBoxWriteInput {\n  criteria: Record<string, unknown>;\n  capacityPerWeek?: number;\n  lenderId?: string;\n}\n\nexport interface FeedbackSubmitInput {\n  type: string;\n  rating?: number;\n  comment?: string;\n  generationId?: string;\n  caseId?: string;\n  surface?: string;\n  target: { kind: string; key: string };\n  before?: string;\n  after?: string;\n}\n\nexport interface LiquidityQuery {\n  groupBy?: \"product\" | \"amount_band\" | \"state\" | \"naics\" | string;\n  from?: string;\n  to?: string;\n}\n\nexport interface RequestOptions {\n  idempotencyKey?: string;\n}\n","import { z } from \"zod\";\n\n// A generic schema for application data, which can be any of the search schemas\nconst anyObjectSchema = z.object({}).passthrough();\n\n// Shared Enums\nexport enum CreditTier {\n  PRIME = \"PRIME\",\n  NEAR_PRIME = \"NEAR_PRIME\",\n  SUBPRIME = \"SUBPRIME\",\n  DEEP_SUBPRIME = \"DEEP_SUBPRIME\",\n  UNKNOWN = \"UNKNOWN\",\n}\n\nexport enum ProductType {\n  INSTALLMENT_LOAN = \"INSTALLMENT_LOAN\",\n  LINE_OF_CREDIT = \"LINE_OF_CREDIT\",\n  SHORT_TERM_CREDIT = \"SHORT_TERM_CREDIT\",\n  BNPL = \"BNPL\",\n  MORTGAGE = \"MORTGAGE\",\n  AUTO_LOAN = \"AUTO_LOAN\",\n  AUTO_REFINANCE = \"AUTO_REFINANCE\",\n  STUDENT_LOAN = \"STUDENT_LOAN\",\n  STUDENT_LOAN_REFINANCE = \"STUDENT_LOAN_REFINANCE\",\n  BUSINESS_LOAN = \"BUSINESS_LOAN\",\n  BUSINESS_BANKING = \"BUSINESS_BANKING\",\n  BUSINESS_CREDIT_CARD = \"BUSINESS_CREDIT_CARD\",\n  PERSONAL_BANKING = \"PERSONAL_BANKING\",\n  SAVINGS_ACCOUNT = \"SAVINGS_ACCOUNT\",\n  PERSONAL_CREDIT_CARD = \"PERSONAL_CREDIT_CARD\",\n}\n\n// Lender Directory Related Types\nexport interface Lender {\n  lender_id: string;\n  canonical_name: string;\n  entity_type: string;\n  product_types: string[];\n  credit_tier_target: string[];\n  amount_min?: number;\n  amount_max?: number;\n  states_served?: string[];\n  funding_speed?: string;\n  brand_status: string;\n  exclusion_reason?: string;\n  source: string;\n  updated_at: string;\n  gsi1pks: string[];\n  lanes?: string[];\n  primary_lane?: string;\n  lane_pk?: string;\n}\n\nexport interface LenderSearchCriteria {\n  creditScore?: number;\n  creditTier?: CreditTier;\n  loanAmount: number;\n  state?: string;\n  productType: ProductType;\n  includeReviewStatus?: boolean; // Include lenders with REVIEW status\n}\n\n// Loan Offer Related Types\n\nconst moneySchema = z.object({\n  amount: z.number(),\n  currency: z.string().length(3).optional(),\n});\n\nexport type Money = z.infer<typeof moneySchema>;\n\nexport interface BankAccountOffer {\n  id: string;\n  providerName: string;\n  providerLogo?: string;\n  accountName: string;\n  monthlyFee: number;\n  minBalance: number;\n  interestRate: number; // APY\n  features: string[];\n  isSecureLendTenant?: boolean;\n  applicationUrl?: string;\n}\n\nexport interface CreditCardOffer {\n  id: string;\n  issuerName: string;\n  issuerLogo?: string;\n  cardName: string;\n  apr: {\n    min: number;\n    max: number;\n  };\n  annualFee: number;\n  rewards: {\n    type: \"cash_back\" | \"points\" | \"miles\";\n    summary: string;\n    signupBonus?: string;\n  };\n  isSecureLendTenant?: boolean;\n  applicationUrl?: string;\n}\n\nexport const bankAccountOfferSchema = z.object({\n  id: z.string(),\n  providerName: z.string(),\n  providerLogo: z.string().optional(),\n  accountName: z.string(),\n  monthlyFee: z.number(),\n  minBalance: z.number(),\n  interestRate: z.number(),\n  features: z.array(z.string()),\n  isSecureLendTenant: z.boolean().optional(),\n  applicationUrl: z.string().url().optional(),\n});\n\nexport const creditCardOfferSchema = z.object({\n  id: z.string(),\n  issuerName: z.string(),\n  issuerLogo: z.string().optional(),\n  cardName: z.string(),\n  apr: z.object({\n    min: z.number(),\n    max: z.number(),\n  }),\n  annualFee: z.number(),\n  rewards: z.object({\n    type: z.enum([\"cash_back\", \"points\", \"miles\"]),\n    summary: z.string(),\n    signupBonus: z.string().optional(),\n  }),\n  isSecureLendTenant: z.boolean().optional(),\n  applicationUrl: z.string().url().optional(),\n});\n\nexport type Percentage = number; // 0-100\nexport type BasisPoints = number;\nexport type DateString = string; // ISO 8601\n\nexport enum ApplicationType {\n  PERSONAL = \"PERSONAL\",\n  BUSINESS = \"BUSINESS\",\n}\n\nexport enum ApplicationStatus {\n  DRAFT = \"DRAFT\",\n  SUBMITTED = \"SUBMITTED\",\n  IN_REVIEW = \"IN_REVIEW\",\n  ACTION_REQUIRED = \"ACTION_REQUIRED\",\n  APPROVED = \"APPROVED\",\n  DECLINED = \"DECLINED\",\n  CLOSED = \"CLOSED\",\n}\n\nexport enum ProviderStatus {\n  PENDING = \"PENDING\", // Not yet sent\n  SUBMITTED = \"SUBMITTED\", // Sent to provider\n  REFERRED = \"REFERRED\", // Sent via affiliate link\n  ERROR = \"ERROR\", // Failed to send\n  RECEIVED = \"RECEIVED\", // Provider acknowledged\n}\n\nexport const personalApplicantSchema = z.object({\n  firstName: z.string().describe(\"The applicant's first name.\"),\n  lastName: z.string().describe(\"The applicant's last name.\"),\n  email: z.string().email().describe(\"The applicant's email address.\"),\n  phone: z.string().optional().describe(\"The applicant's phone number.\"),\n});\n\n// Published Schema Aligned Types\n\nconst lenderSchema = z.object({\n  id: z.string(),\n  name: z.string(),\n  type: z.string(),\n  logoUrl: z.string().url().optional(),\n});\n\nconst productSchema = z.object({\n  name: z.string(),\n  type: z.string(),\n  description: z.string().optional(),\n});\n\nconst loanTermsSchema = z.object({\n  amount: moneySchema,\n  interestRate: z.object({\n    type: z.enum([\"fixed\", \"variable\"]),\n    rate: z.number().optional(), // rate might not always be available if only APR is given\n    apr: z.number(),\n  }),\n  termMonths: z.number().int(),\n  payment: z.object({\n    frequency: z.string().optional(),\n    amount: moneySchema,\n  }),\n  totalCost: moneySchema.optional(),\n  repayment: z\n    .object({\n      totalRepaymentAmount: z.number(),\n      costOfFinancing: z.number(),\n    })\n    .optional(),\n});\n\nconst loanFeesSchema = z\n  .object({\n    origination: z\n      .object({\n        amount: moneySchema.optional(),\n        percentage: z.number().optional(),\n      })\n      .optional(),\n  })\n  .optional();\n\nconst matchingSchema = z\n  .object({\n    approvalProbability: z.number().min(0).max(1).optional(),\n    matchScore: z.number().min(0).max(100).optional(),\n    matchReasons: z.array(z.string()).optional(),\n  })\n  .optional();\n\nconst processSchema = z.object({\n  applicationMethod: z.string(),\n  applicationUrl: z.string().url().optional(),\n  fundingSpeed: z\n    .object({\n      description: z.string(),\n    })\n    .optional(),\n});\n\nexport const loanOfferSchema = z.object({\n  offerId: z.string(),\n  lender: lenderSchema,\n  product: productSchema,\n  terms: loanTermsSchema,\n  fees: loanFeesSchema,\n  matching: matchingSchema,\n  process: processSchema.optional(),\n  // Additional fields for UI that were in the old schema\n  lenderInfo: z.string().optional(),\n  badges: z.array(z.string()).optional(),\n  isSecureLendTenant: z.boolean().optional(),\n});\n\nexport type LoanOffer = z.infer<typeof loanOfferSchema>;\n\n// Adapter Interface\nexport interface PersonalLenderAdapter {\n  readonly name: string;\n  search(params: PersonalLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface BusinessLenderAdapter {\n  readonly name: string;\n  search(params: BusinessLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface MortgageLenderAdapter {\n  readonly name: string;\n  search(params: MortgageSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface AutoLenderAdapter {\n  readonly name: string;\n  search(params: AutoLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface StudentLenderAdapter {\n  readonly name: string;\n  search(params: StudentLoanSearchParams): Promise<LoanOffer[]>;\n}\n\nexport interface BusinessCreditCardAdapter {\n  readonly name: string;\n  search(\n    params: BusinessCreditCardSearchParams,\n  ): Promise<BusinessCreditCardOffer[]>;\n}\n\nexport interface BusinessBankingAdapter {\n  readonly name: string;\n  search(\n    params: BusinessBankingSearchSchema & {\n      maxResults?: number;\n      includeReviewStatus?: boolean;\n    },\n  ): Promise<BusinessBankingOffer[]>;\n}\n\nexport interface PersonalBankingAdapter {\n  readonly name: string;\n  search(params: PersonalBankingSearchSchema): Promise<PersonalBankingOffer[]>;\n}\n\nexport interface SavingsAdapter {\n  readonly name: string;\n  search(params: SavingsSearchSchema): Promise<SavingsOffer[]>;\n}\n\nexport interface PersonalCreditCardAdapter {\n  readonly name: string;\n  search(\n    params: PersonalCreditCardSearchSchema,\n  ): Promise<PersonalCreditCardOffer[]>;\n}\n\n// Zod Schemas for Tool Input/Output\nexport const personalLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(100000)\n    .describe(\"The desired loan amount in USD (e.g., 25000).\"),\n  purpose: z\n    .enum([\n      \"debt_consolidation\",\n      \"home_improvement\",\n      \"major_purchase\",\n      \"medical\",\n      \"vacation\",\n      \"other\",\n    ])\n    .describe(\"The purpose of the loan.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  monthlyIncome: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"Applicant's gross monthly income in USD.\"),\n  employmentStatus: z\n    .enum([\"employed\", \"self_employed\", \"retired\", \"unemployed\"])\n    .optional()\n    .describe(\"The applicant's employment status.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The applicant's state of residence (2-letter code).\"),\n});\nexport type PersonalLoanSearchParams = z.infer<typeof personalLoanSearchSchema>;\n\n// Generic schema for business loan data\nexport const businessLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .describe(\"The desired loan amount, e.g., 50000 for $50,000.\"),\n  purpose: z\n    .string()\n    .describe(\"The reason for the loan, e.g., 'working capital'.\"),\n  annualRevenue: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The business's gross annual revenue in USD.\"),\n  industry: z\n    .string()\n    .optional()\n    .describe(\"The industry the business operates in, e.g., 'technology'.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The state where the business is located (2-letter code).\"),\n});\nexport type BusinessLoanSearchParams = z.infer<typeof businessLoanSearchSchema>;\n\nexport const mortgageSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(50000)\n    .max(2000000)\n    .describe(\"The desired mortgage loan amount in USD.\"),\n  homePrice: z\n    .number()\n    .min(50000)\n    .max(5000000)\n    .optional()\n    .describe(\"The purchase price of the home in USD.\"),\n  downPayment: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The amount of the down payment in USD.\"),\n  creditScore: z\n    .number()\n    .min(500)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (500-850).\"),\n  loanType: z\n    .enum([\"conventional\", \"fha\", \"va\", \"jumbo\", \"refinance\"])\n    .describe(\"The type of mortgage loan.\"),\n  propertyType: z\n    .enum([\"primary\", \"secondary\", \"investment\"])\n    .optional()\n    .describe(\"The intended use of the property.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The state where the property is located (2-letter code).\"),\n});\nexport type MortgageSearchParams = z.infer<typeof mortgageSearchSchema>;\n\nexport const autoLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(100000)\n    .describe(\"The desired auto loan amount in USD.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  isNew: z\n    .boolean()\n    .describe(\"Specifies if the vehicle is new (true) or used (false).\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The applicant's state of residence (2-letter code).\"),\n});\nexport type AutoLoanSearchParams = z.infer<typeof autoLoanSearchSchema>;\n\nexport const studentLoanSearchSchema = z.object({\n  loanAmount: z\n    .number()\n    .min(1000)\n    .max(250000)\n    .describe(\"The total amount needed for the student loan in USD.\"),\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The student's estimated credit score (300-850).\"),\n  coSignerCreditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\n      \"The co-signer's estimated credit score (300-850), if applicable.\",\n    ),\n  degreeType: z\n    .enum([\"undergraduate\", \"graduate\", \"mba\", \"medical\", \"law\"])\n    .describe(\"The type of degree the loan is for.\"),\n  state: z\n    .string()\n    .optional()\n    .describe(\"The student's state of residence (2-letter code).\"),\n});\nexport type StudentLoanSearchParams = z.infer<typeof studentLoanSearchSchema>;\n\n// Schemas for Business Credit Card Comparison\nexport const businessCreditCardSearchSchema = z.object({\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  annualRevenue: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The business's annual revenue in USD.\"),\n  businessAgeInYears: z\n    .number()\n    .min(0)\n    .optional()\n    .describe(\"The age of the business in years.\"),\n});\nexport type BusinessCreditCardSearchParams = z.infer<\n  typeof businessCreditCardSearchSchema\n>;\n\nexport const businessCreditCardOfferSchema = z.object({\n  cardId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  creditScoreRange: z.string(),\n  welcomeBonus: z.string(),\n  terms: z.object({\n    apr: z.number(),\n    annualFee: z.number(),\n    creditLimit: moneySchema,\n  }),\n});\nexport type BusinessCreditCardOffer = z.infer<\n  typeof businessCreditCardOfferSchema\n>;\n\nexport const businessCreditCardComparisonResponseSchema = z.object({\n  offers: z.array(businessCreditCardOfferSchema),\n  searchCriteria: businessCreditCardSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type BusinessCreditCardComparisonResponse = z.infer<\n  typeof businessCreditCardComparisonResponseSchema\n>;\n\n// Schemas for Business Banking Comparison\nexport const businessBankingSearchSchema = z.object({\n  industry: z.string().optional().describe(\"The business's industry.\"),\n  monthlyTransactions: z\n    .number()\n    .optional()\n    .describe(\"Estimated number of monthly transactions.\"),\n});\nexport type BusinessBankingSearchSchema = z.infer<\n  typeof businessBankingSearchSchema\n>;\n\nexport const businessBankingOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  monthlyFee: z.string(),\n  bonus: z.string(),\n});\nexport type BusinessBankingOffer = z.infer<typeof businessBankingOfferSchema>;\n\nexport const businessBankingComparisonResponseSchema = z.object({\n  offers: z.array(businessBankingOfferSchema),\n  searchCriteria: businessBankingSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type BusinessBankingComparisonResponse = z.infer<\n  typeof businessBankingComparisonResponseSchema\n>;\n\n// Schemas for Personal Banking Comparison\nexport const personalBankingSearchSchema = z.object({\n  features: z\n    .array(z.string())\n    .optional()\n    .describe(\"Desired account features.\"),\n});\nexport type PersonalBankingSearchSchema = z.infer<\n  typeof personalBankingSearchSchema\n>;\n\nexport const personalBankingOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  bonus: z.string(),\n  monthlyFee: z.string(),\n  overdraftRating: z.number().min(0).max(5),\n});\nexport type PersonalBankingOffer = z.infer<typeof personalBankingOfferSchema>;\n\nexport const personalBankingComparisonResponseSchema = z.object({\n  offers: z.array(personalBankingOfferSchema),\n  searchCriteria: personalBankingSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type PersonalBankingComparisonResponse = z.infer<\n  typeof personalBankingComparisonResponseSchema\n>;\n\n// Schemas for Savings Account Comparison\nexport const savingsSearchSchema = z.object({\n  initialDeposit: z\n    .number()\n    .optional()\n    .describe(\"The initial deposit amount in USD.\"),\n});\nexport type SavingsSearchSchema = z.infer<typeof savingsSearchSchema>;\n\nexport const savingsOfferSchema = z.object({\n  accountId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  apy: z.string(),\n  interestRate: z.string().optional(),\n  minBalanceForApy: z.string(),\n  monthlyFee: z.string(),\n});\nexport type SavingsOffer = z.infer<typeof savingsOfferSchema>;\n\nexport const savingsComparisonResponseSchema = z.object({\n  offers: z.array(savingsOfferSchema),\n  searchCriteria: savingsSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type SavingsAccountComparisonResponse = z.infer<\n  typeof savingsComparisonResponseSchema\n>;\n\n// Schemas for Personal Credit Card Comparison\nexport const personalCreditCardSearchSchema = z.object({\n  creditScore: z\n    .number()\n    .min(300)\n    .max(850)\n    .optional()\n    .describe(\"The applicant's estimated credit score (300-850).\"),\n  rewardsType: z\n    .enum([\"cash_back\", \"travel\", \"points\"])\n    .optional()\n    .describe(\"Preferred rewards type.\"),\n});\nexport type PersonalCreditCardSearchSchema = z.infer<\n  typeof personalCreditCardSearchSchema\n>;\n\nexport const personalCreditCardOfferSchema = z.object({\n  cardId: z.string(),\n  name: z.string(),\n  issuer: z.string(),\n  imageUrl: z.string(),\n  rating: z.number().min(0).max(5),\n  bestFor: z.string(),\n  rewardsRate: z.string(),\n  introOffer: z.string(),\n  recommendedCreditScore: z.string(),\n  terms: z.object({\n    apr: z.object({\n      purchase: z.number(),\n      balanceTransfer: z.number(),\n      penalty: z.number().optional(),\n    }),\n    fees: z.object({\n      annual: z.number(),\n    }),\n  }),\n  applicationUrl: z.string().url().optional(),\n});\nexport type PersonalCreditCardOffer = z.infer<\n  typeof personalCreditCardOfferSchema\n>;\n\nexport const personalCreditCardComparisonResponseSchema = z.object({\n  offers: z.array(personalCreditCardOfferSchema),\n  searchCriteria: personalCreditCardSearchSchema.optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type PersonalCreditCardComparisonResponse = z.infer<\n  typeof personalCreditCardComparisonResponseSchema\n>;\n\nexport const loanComparisonResponseSchema = z.object({\n  offers: z.array(loanOfferSchema),\n  summary: z.object({\n    totalOffers: z.number().int(),\n    bestRate: z.number(),\n    bestApprovalProbability: z.number().optional(),\n    fastestFunding: z.string().optional(),\n  }),\n  searchCriteria: z\n    .union([\n      personalLoanSearchSchema,\n      businessLoanSearchSchema,\n      mortgageSearchSchema,\n      autoLoanSearchSchema,\n      studentLoanSearchSchema,\n    ])\n    .optional(),\n  metadata: z.object({\n    queryId: z.string(),\n    timestamp: z.string(),\n    sessionId: z.string().optional(),\n  }),\n  widget: z.string().optional(),\n});\nexport type LoanComparisonResponse = z.infer<\n  typeof loanComparisonResponseSchema\n>;\n\nexport const applicationProviderSchema = z.object({\n  providerId: z.string(),\n  providerName: z.string(),\n  status: z.nativeEnum(ProviderStatus),\n  submittedAt: z.string().optional(),\n  providerApplicationId: z.string().optional(),\n  referralUrl: z.string().url().optional(),\n  error: z.string().optional(),\n});\n\nexport const personalApplicationSchema = z.object({\n  id: z.string(),\n  createdAt: z.string(),\n  updatedAt: z.string(),\n  applicationType: z.nativeEnum(ApplicationType),\n  productType: z.union([z.nativeEnum(ProductType), z.string()]),\n  status: z.nativeEnum(ApplicationStatus),\n  applicant: personalApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z.array(applicationProviderSchema),\n  email: z.string().email(),\n  widget: z.string().optional(),\n});\n\n// Application & Lead Types\n\nexport interface ApplicationProvider {\n  providerId: string;\n  providerName: string;\n  status: ProviderStatus;\n  submittedAt?: string;\n  providerApplicationId?: string;\n  referralUrl?: string;\n  error?: string;\n}\n\nexport interface PersonalApplicant {\n  firstName: string;\n  lastName: string;\n  email: string;\n  phone?: string;\n}\n\nexport interface BusinessApplicant {\n  businessName: string;\n  ein?: string;\n  contact: PersonalApplicant;\n}\n\nexport interface Application<TApplicant, TData> {\n  id: string; // PK\n  createdAt: string;\n  updatedAt: string;\n  applicationType: ApplicationType;\n  productType: ProductType | string;\n  status: ApplicationStatus;\n  applicant: TApplicant;\n  applicationData: TData;\n  providers: ApplicationProvider[];\n  email: string; // For GSI\n  widget?: string;\n}\n\nexport type PersonalApplication = Application<\n  PersonalApplicant,\n  Record<string, unknown>\n>;\nexport type BusinessApplication = Application<\n  BusinessApplicant,\n  Record<string, unknown>\n>;\nexport type GenericApplication = Application<\n  PersonalApplicant | BusinessApplicant,\n  Record<string, unknown>\n>;\n\n// Zod schemas for validation\n\nexport const createPersonalApplicationSchema = z.object({\n  productType: z.nativeEnum(ProductType),\n  applicant: personalApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z\n    .array(z.object({ providerId: z.string(), providerName: z.string() }))\n    .optional(),\n});\nexport type CreatePersonalApplicationDTO = z.infer<\n  typeof createPersonalApplicationSchema\n>;\n\nexport const displayOfferFormSchema = z.object({\n  sessionId: z\n    .string()\n    .optional()\n    .describe(\"The session ID from a previous search to retrieve all offers.\"),\n  offerId: z\n    .string()\n    .optional()\n    .describe(\"The specific offer ID to pre-select in the form.\"),\n});\nexport type DisplayOfferFormParams = z.infer<typeof displayOfferFormSchema>;\n\nexport const anyOfferSchema = z.union([\n  loanOfferSchema,\n  businessCreditCardOfferSchema,\n  businessBankingOfferSchema,\n  personalBankingOfferSchema,\n  savingsOfferSchema,\n  personalCreditCardOfferSchema,\n]);\n\nexport const displayOfferFormResponseSchema = z.object({\n  offer: anyOfferSchema,\n  allOffers: z.array(anyOfferSchema),\n  applicationData: anyObjectSchema,\n  productType: z.string(),\n  widget: z.string().optional(),\n});\nexport type DisplayOfferFormResponse = z.infer<\n  typeof displayOfferFormResponseSchema\n>;\n\nexport const getOfferSchema = z.object({\n  productType: z\n    .nativeEnum(ProductType)\n    .describe(\"The type of financial product being applied for.\"),\n  applicant: personalApplicantSchema.describe(\n    \"Personal details of the applicant.\",\n  ),\n  applicationData: anyObjectSchema.describe(\n    \"The original search parameters or form data for the application.\",\n  ),\n  provider: z\n    .object({\n      providerId: z.string().describe(\"The ID of the selected provider.\"),\n      providerName: z.string().describe(\"The name of the selected provider.\"),\n    })\n    .describe(\"The selected provider to submit the application to.\"),\n});\nexport type GetOfferParams = z.infer<typeof getOfferSchema>;\n\nexport const getMultipleOffersSchema = z.object({\n  productType: z\n    .nativeEnum(ProductType)\n    .describe(\"The type of financial product being applied for.\"),\n  applicant: personalApplicantSchema.describe(\n    \"Personal details of the applicant.\",\n  ),\n  applicationData: anyObjectSchema.describe(\n    \"The original search parameters or form data for the application.\",\n  ),\n  providers: z\n    .array(\n      z.object({\n        providerId: z.string().describe(\"The ID of the selected provider.\"),\n        providerName: z.string().describe(\"The name of the selected provider.\"),\n      }),\n    )\n    .min(1)\n    .describe(\"The list of selected providers to submit the application to.\"),\n});\nexport type GetMultipleOffersParams = z.infer<typeof getMultipleOffersSchema>;\n\nexport const trackOfferStatusSchema = z\n  .object({\n    applicationId: z\n      .string()\n      .optional()\n      .describe(\"The unique ID of the application to track.\"),\n    email: z\n      .string()\n      .email()\n      .optional()\n      .describe(\"The email address of the applicant to find applications for.\"),\n  })\n  .refine((data) => data.applicationId || data.email, {\n    message: \"Either applicationId or email must be provided.\",\n  });\nexport type TrackOfferStatusParams = z.infer<typeof trackOfferStatusSchema>;\n\nexport const trackOfferStatusResponseSchema = z.object({\n  applications: z.array(personalApplicationSchema),\n  widget: z.string().optional(),\n});\nexport type TrackOfferStatusResponse = z.infer<\n  typeof trackOfferStatusResponseSchema\n>;\n\nexport const businessApplicantSchema = z.object({\n  businessName: z.string(),\n  ein: z.string().optional(),\n  contact: personalApplicantSchema,\n});\n\nexport const createBusinessApplicationSchema = z.object({\n  productType: z.nativeEnum(ProductType),\n  applicant: businessApplicantSchema,\n  applicationData: anyObjectSchema,\n  providers: z\n    .array(z.object({ providerId: z.string(), providerName: z.string() }))\n    .optional(),\n});\nexport type CreateBusinessApplicationDTO = z.infer<\n  typeof createBusinessApplicationSchema\n>;\n\nexport const documentTypeEnum = z.enum([\n  \"articles-of-incorporation\",\n  \"balance-sheet\",\n  \"bank-statement\",\n  \"business-license\",\n  \"business-plan\",\n  \"contract\",\n  \"drivers-license\",\n  \"financial-statement\",\n  \"identity-document\",\n  \"invoice\",\n  \"lease-agreement\",\n  \"other-business-document\",\n  \"other-personal-document\",\n  \"passport\",\n  \"profit-and-loss-statement\",\n  \"proof-of-address\",\n  \"proof-of-income\",\n  \"property-document\",\n  \"purchase-order\",\n  \"tax-return\",\n  \"utility-bill\",\n  \"vehicle-document\",\n  \"voided-check\",\n]);\nexport type DocumentType = z.infer<typeof documentTypeEnum>;\n\nexport const displayUploadDocumentsFormSchema = z.object({\n  applicationId: z\n    .string()\n    .optional()\n    .describe(\"Pre-fill the application ID for the document upload form.\"),\n});\nexport type DisplayUploadDocumentsFormParams = z.infer<\n  typeof displayUploadDocumentsFormSchema\n>;\n\nexport const submitDocumentsSchema = z.object({\n  applicationId: z\n    .string()\n    .describe(\"The ID of the application to associate the document with.\"),\n  fileName: z.string().describe(\"The original name of the file.\"),\n  documentType: documentTypeEnum.describe(\"The category of the document.\"),\n  _openai_meta: z\n    .object({})\n    .passthrough()\n    .optional()\n    .describe(\"Internal metadata from OpenAI (automatically injected)\"),\n});\nexport type SubmitDocumentsParams = z.infer<typeof submitDocumentsSchema>;\n\nexport const submitDocumentsResponseSchema = z.object({\n  success: z.boolean(),\n  message: z.string(),\n  uploadUrl: z.string().url().optional(),\n  uploadFields: z.record(z.string(), z.string()).optional(),\n  documentId: z.string().optional(),\n  widget: z.string().optional(),\n});\nexport type SubmitDocumentsResponse = z.infer<\n  typeof submitDocumentsResponseSchema\n>;\n\nexport const displayUploadDocumentsFormResponseSchema = z.object({\n  widget: z.string().optional(),\n});\nexport type DisplayUploadDocumentsFormResponse = z.infer<\n  typeof displayUploadDocumentsFormResponseSchema\n>;\n\n// Schemas for Calculator Tools\nexport const loanPaymentSchema = z.object({\n  loanAmount: z\n    .number()\n    .describe(\"The total amount of the loan in USD.\")\n    .positive(\"Loan amount must be positive.\"),\n  interestRate: z\n    .number()\n    .describe(\"The annual interest rate (e.g., 5 for 5%).\")\n    .min(0, \"Interest rate cannot be negative.\"),\n  loanTermInMonths: z\n    .number()\n    .describe(\"The duration of the loan in months.\")\n    .positive(\"Loan term must be positive.\")\n    .int(),\n});\nexport type LoanPaymentParams = z.infer<typeof loanPaymentSchema>;\n\nexport const loanPaymentResponseSchema = z.object({\n  monthlyPayment: z.number().describe(\"The calculated monthly payment amount.\"),\n  totalPayment: z\n    .number()\n    .describe(\"The total amount to be paid over the life of the loan.\"),\n  totalInterest: z\n    .number()\n    .describe(\"The total interest paid over the life of the loan.\"),\n  widget: z.string().optional(),\n});\nexport type LoanCalculationResponse = z.infer<typeof loanPaymentResponseSchema>;\n\nexport const mortgagePaymentSchema = z.object({\n  propertyValue: z\n    .number()\n    .describe(\"The total value of the property in USD.\")\n    .positive(\"Property value must be positive.\"),\n  downPayment: z\n    .number()\n    .describe(\"The amount paid upfront in USD.\")\n    .min(0, \"Down payment cannot be negative.\"),\n  interestRate: z\n    .number()\n    .describe(\"The annual interest rate (e.g., 3.5 for 3.5%).\")\n    .min(0, \"Interest rate cannot be negative.\"),\n  loanTermInYears: z\n    .number()\n    .describe(\"The duration of the loan in years.\")\n    .positive(\"Loan term must be positive.\")\n    .int(),\n  propertyTaxRate: z\n    .number()\n    .describe(\n      \"The annual property tax rate as a percentage (e.g., 1.2 for 1.2%).\",\n    )\n    .min(0, \"Property tax rate cannot be negative.\"),\n  homeInsurance: z\n    .number()\n    .describe(\"The annual home insurance cost in USD.\")\n    .min(0, \"Home insurance cannot be negative.\"),\n});\nexport type MortgagePaymentParams = z.infer<typeof mortgagePaymentSchema>;\n\nexport const mortgagePaymentResponseSchema = z.object({\n  loanAmount: z.number().describe(\"The total loan amount after down payment.\"),\n  principalAndInterest: z\n    .number()\n    .describe(\"The monthly payment for principal and interest.\"),\n  monthlyPropertyTax: z\n    .number()\n    .describe(\"The estimated monthly property tax payment.\"),\n  monthlyHomeInsurance: z\n    .number()\n    .describe(\"The estimated monthly home insurance payment.\"),\n  totalMonthlyPayment: z\n    .number()\n    .describe(\"The total estimated monthly payment (PITI).\"),\n  widget: z.string().optional(),\n});\nexport type MortgageCalculationResponse = z.infer<\n  typeof mortgagePaymentResponseSchema\n>;\n\n// Schemas for Lease vs. Purchase Calculator\nexport const leaseVsPurchaseSchema = z.object({\n  // Purchase details\n  purchasePrice: z\n    .number()\n    .positive(\"Purchase price must be positive.\")\n    .describe(\"Total price of the vehicle for purchase in USD.\"),\n  downPayment: z\n    .number()\n    .min(0, \"Down payment cannot be negative.\")\n    .describe(\"Upfront payment amount for purchase in USD.\"),\n  loanTermInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"Loan duration in months for purchase.\"),\n  interestRate: z\n    .number()\n    .min(0, \"Interest rate cannot be negative.\")\n    .describe(\"Annual interest rate for purchase loan (e.g., 5 for 5%).\"),\n  salesTaxRate: z\n    .number()\n    .min(0, \"Sales tax rate cannot be negative.\")\n    .describe(\"Sales tax rate as a percentage (e.g., 7.5 for 7.5%).\"),\n\n  // Lease details\n  leaseTermInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"Lease duration in months.\"),\n  monthlyLeasePayment: z\n    .number()\n    .positive()\n    .describe(\"Monthly payment for the lease in USD.\"),\n  moneyFactor: z\n    .number()\n    .positive(\"Money factor must be positive.\")\n    .describe(\"The money factor for the lease (similar to interest rate).\"),\n  acquisitionFee: z\n    .number()\n    .min(0)\n    .default(0)\n    .describe(\"Fee charged by the lessor to initiate the lease in USD.\"),\n  securityDeposit: z\n    .number()\n    .min(0)\n    .default(0)\n    .describe(\"Refundable deposit paid at the start of the lease in USD.\"),\n\n  // Common details\n  residualValuePercentage: z\n    .number()\n    .min(0)\n    .max(100, \"Residual value percentage cannot exceed 100.\")\n    .describe(\n      \"Estimated value of the vehicle at the end of the lease, as a percentage of MSRP.\",\n    ),\n  expectedOwnershipInMonths: z\n    .number()\n    .positive()\n    .int()\n    .describe(\"How long you plan to keep the vehicle, in months.\"),\n});\nexport type LeaseVsPurchaseParams = z.infer<typeof leaseVsPurchaseSchema>;\n\nexport const leaseVsPurchaseResponseSchema = z.object({\n  purchaseAnalysis: z.object({\n    totalLoanPayment: z.number(),\n    totalInterestPaid: z.number(),\n    totalSalesTax: z.number(),\n    equityAfterOwnership: z.number(),\n    totalCostOfOwnership: z.number(),\n    monthlyPayment: z.number(),\n  }),\n  leaseAnalysis: z.object({\n    totalLeasePayments: z.number(),\n    totalUpfrontCosts: z.number(),\n    totalCostOfLeasing: z.number(),\n  }),\n  comparison: z.object({\n    purchaseCostIsLowerBy: z.number(),\n    leaseCostIsLowerBy: z.number(),\n    recommendation: z.string(),\n  }),\n  widget: z.string().optional(),\n});\nexport type LeaseVsPurchaseResponse = z.infer<\n  typeof leaseVsPurchaseResponseSchema\n>;\n\n// ============================================================================\n// SDK Config\n// ============================================================================\n\nexport interface SecureLendConfig {\n  /** API Key for authentication. Sent as a bearer token. Never logged. */\n  apiKey?: string;\n  /** Comparison MCP URL (default: https://mcp.securelend.ai/mcp). */\n  serverUrl?: string;\n  /** REST base for leads, packages, outcomes, and feedback. Default: https://securelend.ai */\n  apiBaseUrl?: string;\n  /** Test double for fetch. Not used for comparison tool calls. */\n  fetch?: (input: string, init?: RequestInit) => Promise<Response>;\n}\n\nexport * from \"./platform\";\n"]}