npm - @splitin/verification-adapter-plaid-idv - Versions diffs - 0.1.0-beta.0 - Mend

@splitin/verification-adapter-plaid-idv 0.1.0-beta.0

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package/dist/index.js.map ADDED Viewed

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{ ProviderError } from '@splitin/verification-adapter-sdk';\n\nexport interface PlaidIdvAdapterConfiguration {\n clientId: string;\n secret: string;\n templateId: string;\n clientName: string;\n webhookUrl?: string;\n}\n\n/**\n * CLI/env mapping helper. 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'').trim().toLowerCase()) {\n case 'active':\n case 'pending': return { status: 'pending_user_input', reasonCodes: [] };\n case 'processing': return { status: 'processing', reasonCodes: [] };\n case 'success':\n case 'passed': return { status: 'verified', reasonCodes: [] };\n case 'pending_review':\n case 'review_needed': return { status: 'manual_review_required', reasonCodes: ['plaid_pending_review'] };\n case 'failed': return { status: 'failed', reasonCodes: ['plaid_verification_failed'] };\n case 'expired': return { status: 'expired', reasonCodes: ['plaid_attempt_expired'] };\n case 'canceled':\n case 'cancelled': return { status: 'canceled', reasonCodes: ['plaid_attempt_canceled'] };\n default: return { status: 'manual_review_required', reasonCodes: ['plaid_status_ambiguous'] };\n }\n}\n","export function constantTimeEqual(left: string, right: string): boolean {\n const maxLength = Math.max(left.length, right.length);\n let difference = left.length ^ right.length;\n for (let index = 0; index < maxLength; index += 1) {\n difference |= (left.charCodeAt(index) || 0) ^ (right.charCodeAt(index) || 0);\n }\n return difference === 0;\n}\n\nexport async function sha256Hex(crypto: Crypto, value: string | Uint8Array): Promise<string> {\n const bytes = typeof value === 'string' ? new TextEncoder().encode(value) : value;\n const digest = new Uint8Array(await crypto.subtle.digest('SHA-256', Uint8Array.from(bytes)));\n return Array.from(digest, (byte) => byte.toString(16).padStart(2, '0')).join('');\n}\n","export type PlaidVerificationJwk = JsonWebKey & {\n alg?: string;\n kid?: string;\n use?: string;\n created_at?: number | string | null;\n expired_at?: number | string | null;\n};\n\nexport class PlaidWebhookVerificationError extends Error {\n constructor(public readonly code: string, message: string) {\n super(message);\n this.name = 'PlaidWebhookVerificationError';\n }\n}\n\ninterface CachedKey {\n key: PlaidVerificationJwk;\n fetchedAtMs: number;\n}\n\nexport interface PlaidVerificationKeyCacheOptions {\n ttlMs?: number;\n now?: () => number;\n}\n\n/**\n * Per-isolate JWK cache. Keyed by kid, expires on a bounded local TTL and\n * Plaid's expired_at, and coalesces concurrent misses. Fetch failures never\n * return a stale key.\n */\nexport class PlaidVerificationKeyCache {\n private readonly entries = new Map<string, CachedKey>();\n private readonly inFlight = new Map<string, Promise<PlaidVerificationJwk>>();\n private readonly ttlMs: number;\n private readonly now: () => number;\n\n constructor(options: PlaidVerificationKeyCacheOptions = {}) {\n this.ttlMs = Math.min(Math.max(options.ttlMs ?? 15 * 60_000, 10_000), 60 * 60_000);\n this.now = options.now ?? Date.now;\n }\n\n async get(\n keyId: string,\n loader: (keyId: string) => Promise<PlaidVerificationJwk>,\n ): Promise<PlaidVerificationJwk> {\n assertKeyId(keyId);\n const nowMs = this.now();\n const cached = this.entries.get(keyId);\n if (cached && nowMs - cached.fetchedAtMs < this.ttlMs && !isExpired(cached.key, nowMs)) {\n validatePlaidJwk(cached.key, keyId, nowMs);\n return cached.key;\n }\n this.entries.delete(keyId);\n\n const existing = this.inFlight.get(keyId);\n if (existing) return existing;\n\n const pending = (async () => {\n const key = await loader(keyId);\n validatePlaidJwk(key, keyId, this.now());\n this.entries.set(keyId, { key, fetchedAtMs: this.now() });\n return key;\n })();\n this.inFlight.set(keyId, pending);\n try {\n return await pending;\n } finally {\n this.inFlight.delete(keyId);\n }\n }\n\n clear(keyId?: string): void {\n if (keyId) this.entries.delete(keyId);\n else this.entries.clear();\n }\n}\n\nexport function assertKeyId(keyId: string): void {\n if (!/^[A-Za-z0-9_-]{1,256}$/.test(keyId)) {\n throw new PlaidWebhookVerificationError('INVALID_KEY_ID', 'Webhook key ID is invalid');\n }\n}\n\nexport function validatePlaidJwk(key: PlaidVerificationJwk, keyId: string, nowMs: number): void {\n if (!key || key.kid !== keyId || key.kty !== 'EC' || key.crv !== 'P-256'\n || key.alg !== 'ES256' || key.use !== 'sig'\n || typeof key.x !== 'string' || typeof key.y !== 'string'\n || !/^[A-Za-z0-9_-]{40,64}$/.test(key.x) || !/^[A-Za-z0-9_-]{40,64}$/.test(key.y)) {\n throw new PlaidWebhookVerificationError('INVALID_KEY', 'Webhook verification key is invalid');\n }\n const nowSeconds = Math.floor(nowMs / 1000);\n const createdAt = timestampSeconds(key.created_at);\n if (createdAt === null || createdAt > nowSeconds + 60) {\n throw new PlaidWebhookVerificationError('INVALID_KEY', 'Webhook verification key creation time is invalid');\n }\n if (isExpired(key, nowMs)) {\n throw new PlaidWebhookVerificationError('EXPIRED_KEY', 'Webhook verification key is expired');\n }\n}\n\nfunction isExpired(key: PlaidVerificationJwk, nowMs: number): boolean {\n if (key.expired_at == null) return false;\n const expiry = timestampSeconds(key.expired_at);\n return expiry === null || expiry <= Math.floor(nowMs / 1000);\n}\n\nfunction timestampSeconds(value: number | string | null | undefined): number | null {\n if (typeof value === 'number') return Number.isInteger(value) && value > 0 ? value : null;\n if (typeof value !== 'string' || !value) return null;\n const numeric = Number(value);\n if (Number.isInteger(numeric) && numeric > 0) return numeric;\n const parsed = Date.parse(value);\n return Number.isFinite(parsed) ? Math.floor(parsed / 1000) : null;\n}\n","import { decodeProtectedHeader, importJWK, jwtVerify, type JWTPayload } from 'jose';\n\nimport { ProviderError } from '@splitin/verification-adapter-sdk';\n\nimport { constantTimeEqual, sha256Hex } from './webhook-crypto.ts';\nimport {\n PlaidWebhookVerificationError,\n assertKeyId,\n validatePlaidJwk,\n type PlaidVerificationJwk,\n} from './webhook-key-cache.ts';\n\nexport interface VerifyPlaidWebhookOptions {\n rawBody: Uint8Array;\n verificationHeader: string | null;\n getKey: (keyId: string) => Promise<PlaidVerificationJwk>;\n crypto: Crypto;\n nowMs?: number;\n maxTokenAgeSeconds?: number;\n maxFutureSkewSeconds?: number;\n}\n\nexport async function verifyPlaidWebhook(options: VerifyPlaidWebhookOptions): Promise<{\n bodySha256: string;\n issuedAt: number;\n keyId: string;\n}> {\n try {\n return await verifyPlaidWebhookInner(options);\n } catch (error) {\n if (error instanceof ProviderError) throw error;\n const code = error instanceof PlaidWebhookVerificationError ? error.code : 'INVALID_SIGNATURE';\n const retryable = code === 'KEY_FETCH_FAILED';\n throw new ProviderError(\n retryable ? 'RETRYABLE_PROVIDER_FAILURE' : 'SIGNATURE_INVALID',\n 'Plaid webhook signature is invalid.',\n {\n retryable,\n safeCode: `plaid_webhook_${code.toLowerCase()}`,\n cause: error,\n },\n );\n }\n}\n\nasync function verifyPlaidWebhookInner(options: VerifyPlaidWebhookOptions): Promise<{\n bodySha256: string;\n issuedAt: number;\n keyId: string;\n}> {\n const token = options.verificationHeader?.trim();\n if (!token) {\n throw new PlaidWebhookVerificationError('MISSING_HEADER', 'Missing Plaid-Verification header');\n }\n\n const parts = token.split('.');\n if (parts.length !== 3 || parts.some((part) => part.length === 0)) {\n throw new PlaidWebhookVerificationError('MALFORMED_JWT', 'Malformed webhook verification token');\n }\n\n let header: ReturnType<typeof decodeProtectedHeader>;\n try {\n header = decodeProtectedHeader(token);\n } catch {\n throw new PlaidWebhookVerificationError('MALFORMED_JWT', 'Malformed webhook verification token');\n }\n if (header.alg !== 'ES256') {\n throw new PlaidWebhookVerificationError('WRONG_ALGORITHM', 'Webhook token must use ES256');\n }\n if (typeof header.kid !== 'string' || !header.kid) {\n throw new PlaidWebhookVerificationError('MISSING_KEY_ID', 'Webhook token is missing its key ID');\n }\n assertKeyId(header.kid);\n\n let jwk: PlaidVerificationJwk;\n try {\n jwk = await options.getKey(header.kid);\n } catch (error) {\n if (error instanceof PlaidWebhookVerificationError) throw error;\n throw new PlaidWebhookVerificationError('KEY_FETCH_FAILED', 'Unable to retrieve webhook verification key');\n }\n\n const nowMs = options.nowMs ?? Date.now();\n validatePlaidJwk(jwk, header.kid, nowMs);\n\n let payload: JWTPayload;\n try {\n const key = await importJWK(jwk, 'ES256');\n const result = await jwtVerify(token, key, {\n algorithms: ['ES256'],\n currentDate: new Date(nowMs),\n });\n payload = result.payload;\n } catch {\n throw new PlaidWebhookVerificationError('INVALID_SIGNATURE', 'Webhook signature is invalid');\n }\n\n if (!Number.isInteger(payload.iat)) {\n throw new PlaidWebhookVerificationError('MISSING_ISSUED_AT', 'Webhook token is missing a valid issued-at time');\n }\n const nowSeconds = Math.floor(nowMs / 1000);\n const maxAge = options.maxTokenAgeSeconds ?? 300;\n const futureSkew = options.maxFutureSkewSeconds ?? 60;\n if (nowSeconds - payload.iat! > maxAge) {\n throw new PlaidWebhookVerificationError('STALE_TOKEN', 'Webhook token is older than five minutes');\n }\n if (payload.iat! - nowSeconds > futureSkew) {\n throw new PlaidWebhookVerificationError('FUTURE_TOKEN', 'Webhook token issued-at time is in the future');\n }\n\n const claimedBodyHash = payload.request_body_sha256;\n if (typeof claimedBodyHash !== 'string' || !/^[a-f0-9]{64}$/i.test(claimedBodyHash)) {\n throw new PlaidWebhookVerificationError('MISSING_BODY_HASH', 'Webhook token is missing a valid body hash');\n }\n const bodySha256 = await sha256Hex(options.crypto, options.rawBody);\n if (!constantTimeEqual(bodySha256.toLowerCase(), claimedBodyHash.toLowerCase())) {\n throw new PlaidWebhookVerificationError('BODY_MISMATCH', 'Webhook body does not match its signed digest');\n }\n\n return { bodySha256, issuedAt: payload.iat!, keyId: header.kid };\n}\n","import {\n ProviderError,\n ProviderUnavailableError,\n VERIFICATION_ADAPTER_CONTRACT_VERSION,\n isOpaqueSubjectReference,\n metadataContainsForbiddenIdentifier,\n type NormalizedProviderEvent,\n type NormalizedProviderSnapshot,\n type ProviderAttemptCommand,\n type ProviderAttemptResult,\n type ProviderLaunchEnvelope,\n type ProviderOperation,\n type ProviderOperationResult,\n type ProviderRedactionCommand,\n type ProviderRedactionResult,\n type ProviderResourceCommand,\n type ProviderResumeCommand,\n type ProviderRetryCommand,\n type ProviderRuntimeContext,\n type VerificationAdapterV1,\n type VerifiedWebhookEnvelope,\n} from '@splitin/verification-adapter-sdk';\n\nimport {\n type PlaidIdvAdapterConfiguration,\n validatePlaidIdvConfiguration,\n} from './configuration.ts';\nimport {\n PLAID_API_VERSION,\n PLAID_DISCLOSURE,\n PLAID_HOSTED_HOST,\n PLAID_IDV_WEBHOOK_CODES,\n PLAID_IDV_WEBHOOK_TYPE,\n PLAID_NORMALIZATION_VERSION,\n PLAID_PRODUCTION_HOST,\n PLAID_SANDBOX_HOST,\n} from './constants.ts';\nimport { plaidIdvProviderManifest } from './manifest.ts';\nimport { normalizePlaidIdentityStatus } from './status.ts';\nimport { sha256Hex } from './webhook-crypto.ts';\nimport {\n PlaidVerificationKeyCache,\n type PlaidVerificationJwk,\n} from './webhook-key-cache.ts';\nimport { verifyPlaidWebhook } from './webhook.ts';\n\ninterface PlaidIdentitySnapshot {\n id: string;\n client_user_id: string;\n status: string;\n created_at?: string;\n completed_at?: string | null;\n shareable_url?: string | null;\n}\n\nexport class PlaidIdvVerificationAdapter implements VerificationAdapterV1<PlaidIdvAdapterConfiguration> {\n readonly contractVersion = VERIFICATION_ADAPTER_CONTRACT_VERSION;\n readonly manifest = plaidIdvProviderManifest;\n readonly provider = 'plaid' as const;\n readonly environment: 'sandbox' | 'production';\n readonly runtime: ProviderRuntimeContext<PlaidIdvAdapterConfiguration>;\n private readonly verificationKeyCache: PlaidVerificationKeyCache;\n\n constructor(runtime: ProviderRuntimeContext<PlaidIdvAdapterConfiguration>) {\n this.runtime = runtime;\n this.environment = runtime.environment;\n this.verificationKeyCache = new PlaidVerificationKeyCache({\n now: () => this.runtime.now().getTime(),\n });\n this.validateConfiguration();\n }\n\n validateConfiguration(): void {\n validatePlaidIdvConfiguration(this.runtime.configuration);\n }\n\n async createAttempt(command: ProviderAttemptCommand): Promise<ProviderAttemptResult> {\n this.assertCommand(command);\n this.requireIdempotencyKey('create', command.attemptId, command.idempotencyKey);\n const identity = await this.call<PlaidIdentitySnapshot>('create', '/identity_verification/create', {\n client_user_id: command.subjectReference,\n template_id: this.runtime.configuration.templateId,\n is_shareable: true,\n gave_consent: false,\n is_idempotent: true,\n });\n return this.toAttemptResult(command.attemptId, identity, 'create');\n }\n\n async resumeAttempt(command: ProviderResumeCommand): Promise<ProviderLaunchEnvelope> {\n const identity = await this.getIdentity(command.providerResourceId, 'resume');\n this.assertSubject(identity.client_user_id);\n return this.createLaunch(command.attemptId, identity, 'resume');\n }\n\n async retrieveAttempt(command: ProviderResourceCommand): Promise<NormalizedProviderSnapshot> {\n return this.normalizeSnapshot(await this.getIdentity(command.providerResourceId, 'retrieve'));\n }\n\n async retryAttempt(command: ProviderRetryCommand): Promise<ProviderAttemptResult> {\n this.assertCommand(command);\n this.requireIdempotencyKey('retry', command.attemptId, command.idempotencyKey);\n if (!command.previousProviderResourceId) {\n return this.createAttempt(command);\n }\n const previous = await this.getIdentity(command.previousProviderResourceId, 'retry');\n this.assertSubject(previous.client_user_id);\n if (previous.client_user_id !== command.subjectReference) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'The prior Plaid attempt does not match this subject.', {\n safeCode: 'plaid_subject_mismatch',\n });\n }\n const normalized = normalizePlaidIdentityStatus(previous.status);\n if (normalized.status === 'pending_user_input' || normalized.status === 'created') {\n return this.toAttemptResult(command.attemptId, previous, 'retry');\n }\n if (normalized.status === 'processing') {\n throw new ProviderError('RETRYABLE_PROVIDER_FAILURE', 'Plaid is still processing this attempt.', {\n retryable: true,\n retryAfterSeconds: 15,\n safeCode: 'plaid_attempt_processing',\n });\n }\n if (normalized.status === 'manual_review_required' || normalized.status === 'verified') {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'Plaid review state cannot be retried.', {\n safeCode: normalized.status === 'verified'\n ? 'plaid_attempt_already_verified'\n : 'plaid_manual_review_pending',\n });\n }\n const identity = await this.call<PlaidIdentitySnapshot>('retry', '/identity_verification/retry', {\n client_user_id: command.subjectReference,\n template_id: this.runtime.configuration.templateId,\n strategy: 'reset',\n });\n const result = await this.toAttemptResult(command.attemptId, identity, 'retry');\n result.linkedResources = [{\n resourceType: 'identity_verification',\n resourceId: requiredProviderId(previous.id),\n relationshipCode: 'retried_from',\n providerStatus: requiredStatus(previous.status),\n occurredAt: safeDate(previous.created_at, this.runtime.now()),\n }];\n return result;\n }\n\n async cancelAttempt(_command: ProviderResourceCommand): Promise<ProviderOperationResult> {\n throw new ProviderError('UNSUPPORTED_CAPABILITY', 'Plaid Identity Verification does not expose a cancel API.', {\n safeCode: 'plaid_cancel_unsupported',\n });\n }\n\n async redactSubject(_command: ProviderRedactionCommand): Promise<ProviderRedactionResult> {\n return { completed: true, retryable: false, disposition: 'not_applicable' };\n }\n\n async verifyWebhook(request: Request): Promise<VerifiedWebhookEnvelope> {\n const rawBody = new Uint8Array(await request.arrayBuffer());\n if (rawBody.byteLength === 0 || rawBody.byteLength > 1_048_576) {\n throw new ProviderError('SIGNATURE_INVALID', 'Plaid webhook body size is invalid.', {\n safeCode: 'plaid_webhook_body_invalid',\n });\n }\n const verified = await verifyPlaidWebhook({\n rawBody,\n verificationHeader: request.headers.get('Plaid-Verification'),\n crypto: this.runtime.crypto,\n nowMs: this.runtime.now().getTime(),\n getKey: async (keyId) => this.verificationKeyCache.get(\n keyId,\n async (uncachedKeyId) => this.getVerificationKey(uncachedKeyId),\n ),\n });\n return {\n providerEventKey: `plaid_${verified.bodySha256}`,\n receivedAt: this.runtime.now().toISOString(),\n bodySha256: verified.bodySha256,\n signatureIssuedAt: new Date(verified.issuedAt * 1000).toISOString(),\n opaquePayload: rawBody,\n };\n }\n\n async normalizeWebhook(input: VerifiedWebhookEnvelope): Promise<NormalizedProviderEvent> {\n let webhook: Record<string, unknown>;\n try {\n webhook = JSON.parse(new TextDecoder().decode(input.opaquePayload)) as Record<string, unknown>;\n } catch {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'Plaid webhook JSON is invalid.', {\n safeCode: 'plaid_webhook_payload_invalid',\n });\n }\n const webhookType = requiredText(webhook.webhook_type, 'webhook_type');\n const webhookCode = requiredText(webhook.webhook_code, 'webhook_code');\n if (webhookType !== PLAID_IDV_WEBHOOK_TYPE || !PLAID_IDV_WEBHOOK_CODES.has(webhookCode)) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'Plaid webhook is outside Identity Verification scope.', {\n safeCode: 'plaid_webhook_scope_denied',\n });\n }\n const providerResourceId = requiredProviderId(webhook.identity_verification_id);\n const webhookEnvironment = requiredText(webhook.environment, 'environment');\n if (webhookEnvironment !== this.environment) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'Plaid webhook environment does not match the configured adapter.', {\n safeCode: 'plaid_environment_mismatch',\n });\n }\n const status = typeof webhook.status === 'string' ? normalizePlaidIdentityStatus(webhook.status) : null;\n const providerEventKey = `plaid_${await sha256Hex(this.runtime.crypto, [\n this.environment,\n webhookType,\n webhookCode,\n providerResourceId,\n input.bodySha256,\n ].join(':'))}`;\n return {\n providerEventKey,\n providerResourceId,\n eventType: status ? `verification.provider_event.${status.status}` : 'verification.provider_event.processing',\n providerEventType: `${webhookType}.${webhookCode}`,\n canonicalStatus: status?.status,\n occurredAt: input.receivedAt,\n normalizedReasonCodes: status?.reasonCodes ?? ['plaid_webhook_requires_reconciliation'],\n safeMetadata: {\n adapter_version: this.manifest.adapterVersion,\n normalization_version: PLAID_NORMALIZATION_VERSION,\n provider_event_category: webhookCode.toLowerCase(),\n provider_environment: this.environment,\n },\n };\n }\n\n private assertCommand(command: ProviderAttemptCommand): void {\n if (command.packageCode !== 'human_idv') {\n throw new ProviderError('UNSUPPORTED_CAPABILITY', 'Plaid Identity Verification does not support this package.', {\n safeCode: 'unsupported_package',\n });\n }\n this.assertSubject(command.subjectReference);\n if (metadataContainsForbiddenIdentifier(command.metadata)) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'Attempt metadata contains a forbidden identifier.', {\n safeCode: 'forbidden_identifier',\n });\n }\n }\n\n private assertSubject(value: string): void {\n if (!isOpaqueSubjectReference(value)) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', 'The subject reference is not an opaque identifier.', {\n safeCode: 'subject_reference_invalid',\n });\n }\n }\n\n private async getIdentity(providerResourceId: string, operation: ProviderOperation): Promise<PlaidIdentitySnapshot> {\n return this.call<PlaidIdentitySnapshot>(operation, '/identity_verification/get', {\n identity_verification_id: requiredProviderId(providerResourceId),\n });\n }\n\n private async toAttemptResult(\n attemptId: string,\n identity: PlaidIdentitySnapshot,\n operation: ProviderOperation,\n ): Promise<ProviderAttemptResult> {\n const normalized = normalizePlaidIdentityStatus(identity.status);\n return {\n attemptId,\n providerResourceId: requiredProviderId(identity.id),\n providerStatus: requiredStatus(identity.status),\n canonicalStatus: normalized.status,\n launch: await this.createLaunch(attemptId, identity, operation),\n };\n }\n\n private normalizeSnapshot(identity: PlaidIdentitySnapshot): NormalizedProviderSnapshot {\n const normalized = normalizePlaidIdentityStatus(identity.status);\n const unknownStatus = normalized.reasonCodes.includes('plaid_status_ambiguous');\n if (unknownStatus) {\n this.runtime.logger.error('verification_provider_status_unknown', {\n provider: this.provider,\n environment: this.environment,\n safe_code: 'PLAID_STATUS_UNRECOGNIZED',\n });\n }\n return {\n providerResourceId: requiredProviderId(identity.id),\n providerStatus: requiredStatus(identity.status),\n canonicalStatus: normalized.status,\n occurredAt: safeDate(identity.completed_at ?? identity.created_at, this.runtime.now()),\n normalizedReasonCodes: normalized.reasonCodes,\n safeMetadata: {\n source: 'retrieve',\n adapter_version: this.manifest.adapterVersion,\n normalization_version: PLAID_NORMALIZATION_VERSION,\n ...(unknownStatus ? { unknown_reason: 'provider_status_not_allowlisted' } : {}),\n },\n };\n }\n\n private async createLaunch(\n attemptId: string,\n identity: PlaidIdentitySnapshot,\n operation: ProviderOperation,\n ): Promise<ProviderLaunchEnvelope> {\n this.assertSubject(identity.client_user_id);\n const payload: Record<string, unknown> = {\n user: { client_user_id: identity.client_user_id },\n client_name: this.runtime.configuration.clientName,\n products: ['identity_verification'],\n country_codes: ['US'],\n language: 'en',\n identity_verification: { template_id: this.runtime.configuration.templateId, gave_consent: false },\n };\n if (this.runtime.configuration.webhookUrl) payload.webhook = this.runtime.configuration.webhookUrl;\n const result = await this.call<{ link_token?: unknown; expiration?: unknown }>(operation, '/link/token/create', payload);\n if (typeof result.link_token !== 'string' || result.link_token.length < 8) {\n throw new ProviderUnavailableError('Plaid did not return launch material.', {\n safeCode: 'plaid_launch_material_missing',\n });\n }\n const canonical = normalizePlaidIdentityStatus(identity.status).status;\n const hostedUrl = safeHttpsUrl(identity.shareable_url, PLAID_HOSTED_HOST);\n return {\n attemptId,\n canonicalStatus: canonical,\n presentation: 'embedded',\n launcherKey: 'plaid_link',\n providerDisclosure: PLAID_DISCLOSURE,\n transientSecret: result.link_token,\n transientSecretExpiresAt: safeDate(result.expiration, new Date(this.runtime.now().getTime() + 30 * 60_000)),\n hostedUrl,\n hostedFallbackExpiresAt: hostedUrl\n ? safeDate(result.expiration, new Date(this.runtime.now().getTime() + 30 * 60_000))\n : undefined,\n continuationReference: requiredProviderId(identity.id),\n };\n }\n\n private async getVerificationKey(keyId: string): Promise<PlaidVerificationJwk> {\n const response = await this.call<{ key?: PlaidVerificationJwk }>(\n 'webhook_verify',\n '/webhook_verification_key/get',\n { key_id: keyId },\n );\n if (!response.key || response.key.kid !== keyId) {\n throw new ProviderError('SIGNATURE_INVALID', 'Plaid returned an unknown webhook key.', {\n safeCode: 'plaid_webhook_invalid_key',\n });\n }\n return response.key;\n }\n\n private async call<T>(\n operation: ProviderOperation,\n endpoint: string,\n body: Record<string, unknown>,\n ): Promise<T> {\n if (this.runtime.rateBudget) {\n const budget = await this.runtime.rateBudget.acquire(operation);\n if (!budget.allowed) {\n throw new ProviderError('RATE_LIMITED', 'Plaid rate budget is exhausted.', {\n retryable: true,\n retryAfterSeconds: budget.retryAfterSeconds,\n safeCode: 'plaid_rate_limited',\n });\n }\n }\n const startedAt = this.runtime.now().getTime();\n const controller = new AbortController();\n const timeoutId = setTimeout(() => controller.abort(), 10_000);\n const host = this.environment === 'production' ? PLAID_PRODUCTION_HOST : PLAID_SANDBOX_HOST;\n try {\n const response = await this.runtime.http.fetch(`https://${host}${endpoint}`, {\n method: 'POST',\n headers: {\n 'Content-Type': 'application/json',\n 'PLAID-CLIENT-ID': this.runtime.configuration.clientId,\n 'PLAID-SECRET': this.runtime.configuration.secret,\n 'Plaid-Version': PLAID_API_VERSION,\n },\n body: JSON.stringify(body),\n signal: controller.signal,\n });\n if (!response.ok) {\n const retryAfter = parseRetryAfter(response.headers.get('retry-after'));\n const code = response.status === 401 || response.status === 403 ? 'AUTHENTICATION_FAILED'\n : response.status === 429 ? 'RATE_LIMITED'\n : response.status === 408 || response.status === 504 ? 'TIMEOUT'\n : response.status >= 500 ? 'RETRYABLE_PROVIDER_FAILURE' : 'TERMINAL_INPUT_FAILURE';\n throw new ProviderError(code, 'Plaid request failed.', {\n retryable: response.status === 408 || response.status === 429 || response.status >= 500,\n retryAfterSeconds: retryAfter,\n safeCode: code === 'AUTHENTICATION_FAILED' ? 'plaid_authentication_failed'\n : code === 'RATE_LIMITED' ? 'plaid_rate_limited'\n : code === 'TIMEOUT' ? 'plaid_timeout'\n : code === 'RETRYABLE_PROVIDER_FAILURE' ? 'plaid_provider_failure'\n : 'plaid_terminal_input_failure',\n });\n }\n const result = await response.json().catch(() => {\n throw new ProviderError('UNKNOWN_PROVIDER_STATE', 'Plaid returned a malformed response.', {\n safeCode: 'malformed_provider_response',\n });\n }) as T;\n const unknown = isRecordWithStringStatus(result)\n && normalizePlaidIdentityStatus(result.status).reasonCodes.includes('plaid_status_ambiguous');\n await this.recordObservation(\n operation,\n unknown ? 'unknown_status' : 'success',\n unknown ? 'plaid_unknown_status' : `plaid_${operation}_ok`,\n startedAt,\n );\n return result;\n } catch (error) {\n const failure = error instanceof ProviderError\n ? error\n : error instanceof DOMException && error.name === 'AbortError'\n ? new ProviderError('TIMEOUT', 'Plaid request timed out.', {\n retryable: true, safeCode: 'plaid_timeout',\n })\n : new ProviderError('RETRYABLE_PROVIDER_FAILURE', 'Plaid Identity Verification is temporarily unavailable.', {\n retryable: true, safeCode: 'plaid_provider_failure', cause: error,\n });\n await this.recordObservation(\n operation,\n failure.retryable ? 'retryable_failure' : 'terminal_failure',\n failure.safeCode,\n startedAt,\n );\n throw failure;\n } finally {\n clearTimeout(timeoutId);\n }\n }\n\n private requireIdempotencyKey(operation: ProviderOperation, attemptId: string, suppliedKey?: string): string {\n const key = this.runtime.idempotency.keyFor(operation, attemptId, suppliedKey);\n if (!key || key.length > 255) {\n throw new ProviderError('INVALID_CONFIGURATION', 'Plaid idempotency configuration is invalid.', {\n safeCode: 'plaid_idempotency_invalid',\n });\n }\n return key;\n }\n\n private async recordObservation(\n operation: ProviderOperation,\n outcome: 'success' | 'retryable_failure' | 'terminal_failure' | 'unknown_status',\n safeCode: string,\n startedAt: number,\n ): Promise<void> {\n const observedAt = this.runtime.now();\n const latencyMs = Math.max(0, observedAt.getTime() - startedAt);\n const metadata = {\n provider: this.provider,\n environment: this.environment,\n operation,\n outcome,\n safe_code: safeCode,\n latency_ms: latencyMs,\n };\n try {\n await this.runtime.recordHealth({\n operation, outcome, safeCode, observedAt: observedAt.toISOString(), latencyMs,\n });\n if (outcome === 'success') this.runtime.logger.info('verification_provider_operation', metadata);\n else this.runtime.logger.warn('verification_provider_operation', metadata);\n } catch {\n this.runtime.logger.warn('verification_provider_health_record_failed', {\n provider: this.provider,\n environment: this.environment,\n operation,\n });\n }\n }\n}\n\nfunction requiredProviderId(value: unknown): string {\n if (typeof value !== 'string' || !/^[A-Za-z0-9_.:-]{3,256}$/.test(value)) {\n throw new ProviderError('UNKNOWN_PROVIDER_STATE', 'Plaid resource identifier is invalid.', {\n safeCode: 'malformed_provider_response',\n });\n }\n return value;\n}\n\nfunction requiredStatus(value: unknown): string {\n if (typeof value !== 'string' || value.length < 1 || value.length > 128) {\n throw new ProviderError('UNKNOWN_PROVIDER_STATE', 'Plaid status is invalid.', {\n safeCode: 'malformed_provider_response',\n });\n }\n return value;\n}\n\nfunction requiredText(value: unknown, field: string): string {\n if (typeof value !== 'string' || value.length < 1 || value.length > 128) {\n throw new ProviderError('TERMINAL_INPUT_FAILURE', `Plaid ${field} is invalid.`, {\n safeCode: 'plaid_webhook_payload_invalid',\n });\n }\n return value;\n}\n\nfunction safeDate(value: unknown, fallback: Date): string {\n if (typeof value === 'string') {\n const parsed = Date.parse(value);\n if (Number.isFinite(parsed)) return new Date(parsed).toISOString();\n }\n return fallback.toISOString();\n}\n\nfunction safeHttpsUrl(value: unknown, hostedHost: string): string | undefined {\n if (typeof value !== 'string') return undefined;\n try {\n const url = new URL(value);\n return url.protocol === 'https:' && url.hostname === hostedHost && !url.username && !url.password\n ? url.toString()\n : undefined;\n } catch {\n return undefined;\n }\n}\n\nfunction parseRetryAfter(value: string | null): number | undefined {\n if (!value || !/^\\d{1,6}$/.test(value)) return undefined;\n return Math.min(Number(value), 3600);\n}\n\nfunction isRecordWithStringStatus(value: unknown): value is Record<string, unknown> & { status: string } {\n return Boolean(value) && typeof value === 'object' && !Array.isArray(value)\n && typeof (value as Record<string, unknown>).status === 'string';\n}\n"]}

package/package.json ADDED Viewed

@@ -0,0 +1,56 @@
+{
+  "name": "@splitin/verification-adapter-plaid-idv",
+  "version": "0.1.0-beta.0",
+  "description": "Official Plaid Identity Verification adapter for the Universal Open-Source Verification Adapter SDK. IDV only — not Auth, Identity, Monitor, or payments.",
+  "license": "MIT",
+  "author": "SplitInTech, @ojchavan",
+  "homepage": "https://github.com/splitintech/open-internal-tools/tree/main/verification-adapter-sdk/packages/verification-adapter-plaid-idv#readme",
+  "repository": {
+    "type": "git",
+    "url": "git+https://github.com/splitintech/open-internal-tools.git",
+    "directory": "verification-adapter-sdk/packages/verification-adapter-plaid-idv"
+  },
+  "type": "module",
+  "sideEffects": false,
+  "engines": { "node": ">=20" },
+  "main": "./dist/index.cjs",
+  "module": "./dist/index.js",
+  "types": "./dist/index.d.ts",
+  "exports": {
+    ".": {
+      "types": "./dist/index.d.ts",
+      "import": "./dist/index.js",
+      "require": "./dist/index.cjs"
+    },
+    "./browser": {
+      "types": "./dist/browser.d.ts",
+      "import": "./dist/browser.js",
+      "require": "./dist/browser.cjs"
+    }
+  },
+  "files": ["dist", "LICENSE", "NOTICE", "README.md", "package.json"],
+  "publishConfig": { "access": "public" },
+  "scripts": {
+    "build": "tsup",
+    "test": "vitest run",
+    "typecheck": "tsc --noEmit -p tsconfig.json"
+  },
+  "dependencies": {
+    "@splitin/verification-adapter-sdk": "0.1.0-beta.0",
+    "jose": "^6.1.0"
+  },
+  "peerDependencies": {
+    "react-plaid-link": "^4.0.0"
+  },
+  "peerDependenciesMeta": {
+    "react-plaid-link": { "optional": true }
+  },
+  "optionalPeerDependencies": {
+    "react-plaid-link": "^4.0.0"
+  },
+  "devDependencies": {
+    "tsup": "^8.5.0",
+    "typescript": "^5.8.3",
+    "vitest": "^3.2.4"
+  }
+}