finprim 0.1.1 → 0.1.2

package/README.md

@@ -20,10 +20,15 @@ finprim is the open source version of what your team has already written three t
 - ✅ UK sort code and account number validation
 - ✅ BIC/SWIFT validation
 - ✅ Card number validation (Luhn, network detection, formatting)
+- ✅ EU VAT number format validation (member states)
+- ✅ US ABA routing number validation
+- ✅ Loan/EMI calculation and schedule
+- ✅ Format-only helpers (IBAN, sort code, account number) for display
 - ✅ Currency validation and formatting with locale support
 - ✅ Branded types for compile-time correctness
 - ✅ Zod schemas out of the box
 - ✅ Optional React hooks for form inputs
+- ✅ Optional NestJS validation pipes
 - ✅ Zero dependencies at the core
 - ✅ Tree-shakeable ESM and CJS builds
 - ✅ Fully typed
@@ -56,6 +61,13 @@ import {
   validateBIC,
   validateCardNumber,
   validateCurrencyCode,
+  validateEUVAT,
+  validateUSRoutingNumber,
+  formatIBAN,
+  formatSortCode,
+  formatUKAccountNumber,
+  calculateEMI,
+  getLoanSchedule,
 } from 'finprim'
 
 const iban = validateIBAN('GB29NWBK60161331926819')
@@ -69,6 +81,19 @@ const account = validateUKAccountNumber('31926819')
 
 const card = validateCardNumber('4532015112830366')
 // { valid: true, value: '...', formatted: '4532 0151 1283 0366', network: 'Visa', last4: '0366' }
+
+const vat = validateEUVAT('DE123456789')
+// { valid: true, value: 'DE123456789', formatted: 'DE 123456789', countryCode: 'DE' }
+
+const routing = validateUSRoutingNumber('021000021')
+// { valid: true, value: '021000021', formatted: '021000021' }
+
+formatIBAN('GB29NWBK60161331926819')        // 'GB29 NWBK 6016 1331 9268 19'
+formatSortCode('601613')                    // '60-16-13'
+formatUKAccountNumber('31926819')           // '3192 6819'
+
+const emi = calculateEMI(100_000, 10, 12)   // monthly payment
+const schedule = getLoanSchedule(100_000, 10, 12)  // array of { month, payment, principal, interest, balance }
 ```
 
 ### Currency Formatting
@@ -101,7 +126,7 @@ if (iban.valid) {
 ### Zod Schemas
 
 ```ts
-import { ibanSchema, sortCodeSchema, accountNumberSchema, currencySchema } from 'finprim/zod'
+import { ibanSchema, sortCodeSchema, accountNumberSchema, currencySchema, vatSchema, routingNumberSchema } from 'finprim/zod'
 
 const PaymentSchema = z.object({
   iban: ibanSchema,
@@ -132,6 +157,20 @@ function PaymentForm() {
 }
 ```
 
+### NestJS Pipes
+
+```ts
+import { IbanValidationPipe, SortCodeValidationPipe, createValidationPipe } from 'finprim/nest'
+import { validateIBAN } from 'finprim'
+
+@Get('iban/:iban')
+findByIban(@Param('iban', IbanValidationPipe) iban: string) {
+  return this.service.findByIban(iban)
+}
+
+const MyPipe = createValidationPipe(validateIBAN)
+```
+
 ---
 
 ## API Reference
@@ -146,8 +185,25 @@ function PaymentForm() {
 | `validateCurrencyCode(input)` | `string` | `ValidationResult<CurrencyCode>` |
 | `validateBIC(input)` | `string` | `ValidationResult<BIC>` |
 | `validateCardNumber(input)` | `string` | `CardValidationResult` (includes `network`, `last4` when valid) |
+| `validateEUVAT(input)` | `string` | `VATValidationResult` (includes `countryCode` when valid) |
+| `validateUSRoutingNumber(input)` | `string` | `ValidationResult<RoutingNumber>` |
 
-### Formatting
+### Formatting & display
+
+| Function | Input | Returns |
+|----------|-------|---------|
+| `formatIBAN(input)` | `string` | `string` (space-separated, no validation) |
+| `formatSortCode(input)` | `string` | `string` (XX-XX-XX) |
+| `formatUKAccountNumber(input)` | `string` | `string` (XXXX XXXX) |
+
+### Loan
+
+| Function | Input | Returns |
+|----------|-------|---------|
+| `calculateEMI(principal, annualRatePercent, months)` | `number`, `number`, `number` | `number` |
+| `getLoanSchedule(principal, annualRatePercent, months)` | `number`, `number`, `number` | `LoanScheduleEntry[]` |
+
+### Formatting (currency)
 
 | Function | Input | Returns |
 |----------|-------|---------|
@@ -165,6 +221,7 @@ Validation results include a `formatted` string when valid (e.g. IBAN and card n
 | `finprim` | Core validators and formatters | none |
 | `finprim/zod` | Zod schemas | `zod` |
 | `finprim/react` | React hooks | `react` |
+| `finprim/nest` | NestJS validation pipes | `@nestjs/common` |
 
 ---
 
@@ -182,8 +239,11 @@ Validation results include a `formatted` string when valid (e.g. IBAN and card n
 
 - [x] SWIFT / BIC validation
 - [x] Luhn algorithm for card number validation
-- [ ] EU VAT number validation
-- [ ] NestJS pipe integration
+- [x] EU VAT number validation
+- [x] NestJS pipe integration
+- [x] US routing number validation
+- [x] Loan/EMI calculation
+- [x] Format-only helpers
 - [ ] More locale coverage
 
 ---
@@ -202,6 +262,15 @@ npm run dev
 
 ---
 
+## Security
+
+- **Input length**: All string validators reject input longer than 256 characters to limit memory and CPU use.
+- **Type checking**: Validators require non-empty strings; numeric helpers (e.g. loan/currency) require finite numbers and sane bounds.
+- **No sensitive logging**: The library does not log or persist input; use it in a way that avoids logging full card or account numbers.
+- **Format helpers**: `formatIBAN`, `formatSortCode`, and `formatUKAccountNumber` cap input length and accept only strings to avoid abuse.
+
+---
+
 ## License
 
 MIT

package/dist/{card-D3WC2rzV.d.mts → card-D2-7wbam.d.mts}

@@ -8,6 +8,8 @@ type AccountNumber = Brand<string, 'AccountNumber'>;
 type CurrencyCode = Brand<string, 'CurrencyCode'>;
 type BIC = Brand<string, 'BIC'>;
 type CardNumber = Brand<string, 'CardNumber'>;
+type VATNumber = Brand<string, 'VATNumber'>;
+type RoutingNumber = Brand<string, 'RoutingNumber'>;
 type SupportedCurrency = 'GBP' | 'EUR' | 'USD' | 'JPY' | 'CHF' | 'CAD' | 'AUD' | 'NZD';
 type ValidationSuccess<T> = {
     valid: true;
@@ -20,6 +22,7 @@ type ValidationFailure = {
 };
 type ValidationResult<T> = ValidationSuccess<T> | ValidationFailure;
 declare function isValidationSuccess<T>(result: ValidationResult<T>): result is ValidationSuccess<T>;
+declare function isValidationFailure<T>(result: ValidationResult<T>): result is ValidationFailure;
 type IBANValidationSuccess = ValidationSuccess<IBAN> & {
     countryCode: string;
 };
@@ -33,6 +36,10 @@ type MoneyResult = {
     valid: false;
     error: string;
 };
+type VATValidationSuccess = ValidationSuccess<VATNumber> & {
+    countryCode: string;
+};
+type VATValidationResult = VATValidationSuccess | ValidationFailure;
 
 type CardNetwork = 'Visa' | 'Mastercard' | 'Amex' | 'Discover' | 'Unknown';
 type CardValidationResult = {
@@ -47,4 +54,4 @@ type CardValidationResult = {
 };
 declare function validateCardNumber(input: string): CardValidationResult;
 
-export { type AccountNumber as A, type BIC as B, type CurrencyCode as C, type IBANValidationResult as I, type MoneyResult as M, type SortCode as S, type ValidationResult as V, type SupportedCurrency as a, type CardNetwork as b, type CardNumber as c, type CardValidationResult as d, type IBAN as e, type IBANValidationSuccess as f, type ValidationFailure as g, type ValidationSuccess as h, isValidationSuccess as i, validateCardNumber as v };
+export { type AccountNumber as A, type BIC as B, type CurrencyCode as C, type IBANValidationResult as I, type MoneyResult as M, type RoutingNumber as R, type SortCode as S, type ValidationResult as V, type SupportedCurrency as a, type VATValidationResult as b, type CardNetwork as c, type CardNumber as d, type CardValidationResult as e, type IBAN as f, type IBANValidationSuccess as g, type VATNumber as h, type VATValidationSuccess as i, type ValidationFailure as j, type ValidationSuccess as k, isValidationFailure as l, isValidationSuccess as m, validateCardNumber as v };

package/dist/{card-D3WC2rzV.d.ts → card-D2-7wbam.d.ts}

@@ -8,6 +8,8 @@ type AccountNumber = Brand<string, 'AccountNumber'>;
 type CurrencyCode = Brand<string, 'CurrencyCode'>;
 type BIC = Brand<string, 'BIC'>;
 type CardNumber = Brand<string, 'CardNumber'>;
+type VATNumber = Brand<string, 'VATNumber'>;
+type RoutingNumber = Brand<string, 'RoutingNumber'>;
 type SupportedCurrency = 'GBP' | 'EUR' | 'USD' | 'JPY' | 'CHF' | 'CAD' | 'AUD' | 'NZD';
 type ValidationSuccess<T> = {
     valid: true;
@@ -20,6 +22,7 @@ type ValidationFailure = {
 };
 type ValidationResult<T> = ValidationSuccess<T> | ValidationFailure;
 declare function isValidationSuccess<T>(result: ValidationResult<T>): result is ValidationSuccess<T>;
+declare function isValidationFailure<T>(result: ValidationResult<T>): result is ValidationFailure;
 type IBANValidationSuccess = ValidationSuccess<IBAN> & {
     countryCode: string;
 };
@@ -33,6 +36,10 @@ type MoneyResult = {
     valid: false;
     error: string;
 };
+type VATValidationSuccess = ValidationSuccess<VATNumber> & {
+    countryCode: string;
+};
+type VATValidationResult = VATValidationSuccess | ValidationFailure;
 
 type CardNetwork = 'Visa' | 'Mastercard' | 'Amex' | 'Discover' | 'Unknown';
 type CardValidationResult = {
@@ -47,4 +54,4 @@ type CardValidationResult = {
 };
 declare function validateCardNumber(input: string): CardValidationResult;
 
-export { type AccountNumber as A, type BIC as B, type CurrencyCode as C, type IBANValidationResult as I, type MoneyResult as M, type SortCode as S, type ValidationResult as V, type SupportedCurrency as a, type CardNetwork as b, type CardNumber as c, type CardValidationResult as d, type IBAN as e, type IBANValidationSuccess as f, type ValidationFailure as g, type ValidationSuccess as h, isValidationSuccess as i, validateCardNumber as v };
+export { type AccountNumber as A, type BIC as B, type CurrencyCode as C, type IBANValidationResult as I, type MoneyResult as M, type RoutingNumber as R, type SortCode as S, type ValidationResult as V, type SupportedCurrency as a, type VATValidationResult as b, type CardNetwork as c, type CardNumber as d, type CardValidationResult as e, type IBAN as f, type IBANValidationSuccess as g, type VATNumber as h, type VATValidationSuccess as i, type ValidationFailure as j, type ValidationSuccess as k, isValidationFailure as l, isValidationSuccess as m, validateCardNumber as v };

package/dist/index.d.mts

@@ -1,8 +1,11 @@
-import { I as IBANValidationResult, V as ValidationResult, A as AccountNumber, S as SortCode, a as SupportedCurrency, M as MoneyResult, C as CurrencyCode, B as BIC } from './card-D3WC2rzV.mjs';
-export { b as CardNetwork, c as CardNumber, d as CardValidationResult, e as IBAN, f as IBANValidationSuccess, g as ValidationFailure, h as ValidationSuccess, i as isValidationSuccess, v as validateCardNumber } from './card-D3WC2rzV.mjs';
+import { I as IBANValidationResult, V as ValidationResult, A as AccountNumber, S as SortCode, a as SupportedCurrency, M as MoneyResult, C as CurrencyCode, B as BIC, b as VATValidationResult, R as RoutingNumber } from './card-D2-7wbam.mjs';
+export { c as CardNetwork, d as CardNumber, e as CardValidationResult, f as IBAN, g as IBANValidationSuccess, h as VATNumber, i as VATValidationSuccess, j as ValidationFailure, k as ValidationSuccess, l as isValidationFailure, m as isValidationSuccess, v as validateCardNumber } from './card-D2-7wbam.mjs';
 
+declare function formatIBAN(input: string): string;
 declare function validateIBAN(input: string): IBANValidationResult;
 
+declare function formatSortCode(input: string): string;
+declare function formatUKAccountNumber(input: string): string;
 declare function validateUKSortCode(input: string): ValidationResult<SortCode>;
 declare function validateUKAccountNumber(input: string): ValidationResult<AccountNumber>;
 
@@ -13,4 +16,18 @@ declare function parseMoney(input: string): MoneyResult;
 
 declare function validateBIC(input: string): ValidationResult<BIC>;
 
-export { AccountNumber, BIC, CurrencyCode, IBANValidationResult, MoneyResult, SUPPORTED_CURRENCIES, SortCode, SupportedCurrency, ValidationResult, formatCurrency, parseMoney, validateBIC, validateCurrencyCode, validateIBAN, validateUKAccountNumber, validateUKSortCode };
+declare function validateEUVAT(input: string): VATValidationResult;
+
+declare function validateUSRoutingNumber(input: string): ValidationResult<RoutingNumber>;
+
+type LoanScheduleEntry = {
+    month: number;
+    payment: number;
+    principal: number;
+    interest: number;
+    balance: number;
+};
+declare function calculateEMI(principal: number, annualRatePercent: number, months: number): number;
+declare function getLoanSchedule(principal: number, annualRatePercent: number, months: number): LoanScheduleEntry[];
+
+export { AccountNumber, BIC, CurrencyCode, IBANValidationResult, type LoanScheduleEntry, MoneyResult, RoutingNumber, SUPPORTED_CURRENCIES, SortCode, SupportedCurrency, VATValidationResult, ValidationResult, calculateEMI, formatCurrency, formatIBAN, formatSortCode, formatUKAccountNumber, getLoanSchedule, parseMoney, validateBIC, validateCurrencyCode, validateEUVAT, validateIBAN, validateUKAccountNumber, validateUKSortCode, validateUSRoutingNumber };

package/dist/index.d.ts

@@ -1,8 +1,11 @@
-import { I as IBANValidationResult, V as ValidationResult, A as AccountNumber, S as SortCode, a as SupportedCurrency, M as MoneyResult, C as CurrencyCode, B as BIC } from './card-D3WC2rzV.js';
-export { b as CardNetwork, c as CardNumber, d as CardValidationResult, e as IBAN, f as IBANValidationSuccess, g as ValidationFailure, h as ValidationSuccess, i as isValidationSuccess, v as validateCardNumber } from './card-D3WC2rzV.js';
+import { I as IBANValidationResult, V as ValidationResult, A as AccountNumber, S as SortCode, a as SupportedCurrency, M as MoneyResult, C as CurrencyCode, B as BIC, b as VATValidationResult, R as RoutingNumber } from './card-D2-7wbam.js';
+export { c as CardNetwork, d as CardNumber, e as CardValidationResult, f as IBAN, g as IBANValidationSuccess, h as VATNumber, i as VATValidationSuccess, j as ValidationFailure, k as ValidationSuccess, l as isValidationFailure, m as isValidationSuccess, v as validateCardNumber } from './card-D2-7wbam.js';
 
+declare function formatIBAN(input: string): string;
 declare function validateIBAN(input: string): IBANValidationResult;
 
+declare function formatSortCode(input: string): string;
+declare function formatUKAccountNumber(input: string): string;
 declare function validateUKSortCode(input: string): ValidationResult<SortCode>;
 declare function validateUKAccountNumber(input: string): ValidationResult<AccountNumber>;
 
@@ -13,4 +16,18 @@ declare function parseMoney(input: string): MoneyResult;
 
 declare function validateBIC(input: string): ValidationResult<BIC>;
 
-export { AccountNumber, BIC, CurrencyCode, IBANValidationResult, MoneyResult, SUPPORTED_CURRENCIES, SortCode, SupportedCurrency, ValidationResult, formatCurrency, parseMoney, validateBIC, validateCurrencyCode, validateIBAN, validateUKAccountNumber, validateUKSortCode };
+declare function validateEUVAT(input: string): VATValidationResult;
+
+declare function validateUSRoutingNumber(input: string): ValidationResult<RoutingNumber>;
+
+type LoanScheduleEntry = {
+    month: number;
+    payment: number;
+    principal: number;
+    interest: number;
+    balance: number;
+};
+declare function calculateEMI(principal: number, annualRatePercent: number, months: number): number;
+declare function getLoanSchedule(principal: number, annualRatePercent: number, months: number): LoanScheduleEntry[];
+
+export { AccountNumber, BIC, CurrencyCode, IBANValidationResult, type LoanScheduleEntry, MoneyResult, RoutingNumber, SUPPORTED_CURRENCIES, SortCode, SupportedCurrency, VATValidationResult, ValidationResult, calculateEMI, formatCurrency, formatIBAN, formatSortCode, formatUKAccountNumber, getLoanSchedule, parseMoney, validateBIC, validateCurrencyCode, validateEUVAT, validateIBAN, validateUKAccountNumber, validateUKSortCode, validateUSRoutingNumber };

package/dist/index.js

@@ -1,5 +1,42 @@
 'use strict';
 
+// src/_guard.ts
+var MAX_SAFE_INPUT_LENGTH = 256;
+function guardStringInput(input, label = "Input") {
+  if (input == null || typeof input !== "string") {
+    return { ok: false, error: `${label} must be a non-empty string` };
+  }
+  if (input.length === 0) {
+    return { ok: false, error: `${label} must be a non-empty string` };
+  }
+  if (input.length > MAX_SAFE_INPUT_LENGTH) {
+    return {
+      ok: false,
+      error: `${label} must not exceed ${MAX_SAFE_INPUT_LENGTH} characters`
+    };
+  }
+  return { ok: true, value: input };
+}
+function guardNumber(value, options) {
+  const label = options.label ?? "Value";
+  if (typeof value !== "number" || !Number.isFinite(value)) {
+    return { ok: false, error: `${label} must be a finite number` };
+  }
+  if (Number.isNaN(value)) {
+    return { ok: false, error: `${label} must not be NaN` };
+  }
+  if (options.integer && !Number.isInteger(value)) {
+    return { ok: false, error: `${label} must be an integer` };
+  }
+  if (options.min !== void 0 && value < options.min) {
+    return { ok: false, error: `${label} must be at least ${options.min}` };
+  }
+  if (options.max !== void 0 && value > options.max) {
+    return { ok: false, error: `${label} must be at most ${options.max}` };
+  }
+  return { ok: true, value };
+}
+
 // src/iban.ts
 var IBAN_LENGTHS = {
   AL: 28,
@@ -86,11 +123,15 @@ function ibanToDigits(iban) {
 function formatIBANString(iban) {
   return iban.replace(/(.{4})/g, "$1 ").trim();
 }
+function formatIBAN(input) {
+  if (typeof input !== "string") return "";
+  const cleaned = input.replace(/\s/g, "").toUpperCase().slice(0, 34);
+  return formatIBANString(cleaned);
+}
 function validateIBAN(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const cleaned = input.replace(/\s/g, "").toUpperCase();
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/\s/g, "").toUpperCase();
   if (cleaned.length < 4) {
     return { valid: false, error: "IBAN is too short" };
   }
@@ -124,11 +165,22 @@ function validateIBAN(input) {
 }
 
 // src/sortcode.ts
+function formatSortCode(input) {
+  if (typeof input !== "string") return "";
+  const digits = input.replace(/[-\s]/g, "").slice(0, 6);
+  if (digits.length < 6) return digits;
+  return `${digits.slice(0, 2)}-${digits.slice(2, 4)}-${digits.slice(4, 6)}`;
+}
+function formatUKAccountNumber(input) {
+  if (typeof input !== "string") return "";
+  const digits = input.replace(/\s/g, "").slice(0, 8);
+  if (digits.length < 8) return digits;
+  return `${digits.slice(0, 4)} ${digits.slice(4, 8)}`;
+}
 function validateUKSortCode(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const cleaned = input.replace(/[-\s]/g, "");
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/[-\s]/g, "");
   if (!/^\d{6}$/.test(cleaned)) {
     return {
       valid: false,
@@ -143,10 +195,9 @@ function validateUKSortCode(input) {
   };
 }
 function validateUKAccountNumber(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const cleaned = input.replace(/\s/g, "");
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/\s/g, "");
   if (!/^\d{8}$/.test(cleaned)) {
     return {
       valid: false,
@@ -190,14 +241,13 @@ var SYMBOL_MAP = {
   "CHF": "CHF"
 };
 function validateCurrencyCode(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const upper = input.toUpperCase();
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const upper = guarded.value.toUpperCase();
   if (!SUPPORTED_CURRENCIES.includes(upper)) {
     return {
       valid: false,
-      error: `Unsupported currency code: ${input}. Supported: ${SUPPORTED_CURRENCIES.join(", ")}`
+      error: `Unsupported currency code: ${upper}. Supported: ${SUPPORTED_CURRENCIES.join(", ")}`
     };
   }
   return {
@@ -207,6 +257,9 @@ function validateCurrencyCode(input) {
   };
 }
 function formatCurrency(amount, currency, locale) {
+  if (typeof amount !== "number" || !Number.isFinite(amount)) {
+    return "";
+  }
   const resolvedLocale = locale ?? CURRENCY_LOCALES[currency] ?? "en-GB";
   return new Intl.NumberFormat(resolvedLocale, {
     style: "currency",
@@ -216,11 +269,10 @@ function formatCurrency(amount, currency, locale) {
   }).format(amount);
 }
 function parseMoney(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
   let currency;
-  let cleaned = input.trim();
+  let cleaned = guarded.value.trim();
   for (const [symbol, code] of Object.entries(SYMBOL_MAP)) {
     if (cleaned.startsWith(symbol) || cleaned.endsWith(symbol)) {
       currency = code;
@@ -247,10 +299,9 @@ function parseMoney(input) {
 // src/bic.ts
 var BIC_REGEX = /^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$/;
 function validateBIC(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const cleaned = input.replace(/\s/g, "").toUpperCase();
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/\s/g, "").toUpperCase();
   if (cleaned.length !== 8 && cleaned.length !== 11) {
     return {
       valid: false,
@@ -289,10 +340,9 @@ function formatCardNumber(digits, network) {
   return digits.replace(/(.{4})/g, "$1 ").trim();
 }
 function validateCardNumber(input) {
-  if (!input || typeof input !== "string") {
-    return { valid: false, error: "Input must be a non-empty string" };
-  }
-  const digits = input.replace(/[\s-]/g, "");
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const digits = guarded.value.replace(/[\s-]/g, "");
   if (!/^\d+$/.test(digits)) {
     return { valid: false, error: "Card number must contain only digits" };
   }
@@ -326,20 +376,148 @@ function validateCardNumber(input) {
   };
 }
 
+// src/vat.ts
+var EU_VAT_PATTERNS = {
+  AT: /^ATU\d{8}$/,
+  BE: /^BE0?\d{9}$/,
+  BG: /^BG\d{9,10}$/,
+  CY: /^CY\d{8}[A-Z]$/,
+  CZ: /^CZ\d{8,10}$/,
+  DE: /^DE\d{9}$/,
+  DK: /^DK\d{8}$/,
+  EE: /^EE\d{9}$/,
+  EL: /^EL\d{9}$/,
+  ES: /^ES[A-Z0-9]\d{7}[A-Z0-9]$/,
+  FI: /^FI\d{8}$/,
+  FR: /^FR[A-HJ-NP-Z0-9]{2}\d{9}$/,
+  GR: /^GR\d{9}$/,
+  HR: /^HR\d{11}$/,
+  HU: /^HU\d{8}$/,
+  IE: /^IE\d[A-Z0-9]\d{5}[A-Z]$|^IE\d{7}[A-W][A-I0-9]?$/,
+  IT: /^IT\d{11}$/,
+  LT: /^LT\d{9}$|^LT\d{12}$/,
+  LU: /^LU\d{8}$/,
+  LV: /^LV\d{11}$/,
+  MT: /^MT\d{8}$/,
+  NL: /^NL\d{9}B\d{2}$/,
+  PL: /^PL\d{10}$/,
+  PT: /^PT\d{9}$/,
+  RO: /^RO\d{2,10}$/,
+  SE: /^SE\d{12}$/,
+  SI: /^SI\d{8}$/,
+  SK: /^SK\d{10}$/
+};
+function validateEUVAT(input) {
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/\s/g, "").toUpperCase();
+  if (cleaned.length < 4) {
+    return { valid: false, error: "VAT number is too short" };
+  }
+  const countryCode = cleaned.slice(0, 2);
+  const pattern = EU_VAT_PATTERNS[countryCode];
+  if (!pattern) {
+    return { valid: false, error: `Unsupported EU VAT country code: ${countryCode}` };
+  }
+  if (!pattern.test(cleaned)) {
+    return { valid: false, error: `Invalid VAT format for ${countryCode}` };
+  }
+  const formatted = `${countryCode} ${cleaned.slice(2)}`;
+  return {
+    valid: true,
+    value: cleaned,
+    formatted,
+    countryCode
+  };
+}
+
+// src/routing.ts
+function routingChecksum(digits) {
+  if (digits.length !== 9) return false;
+  const sum = 3 * (Number(digits[0]) + Number(digits[3]) + Number(digits[6])) + 7 * (Number(digits[1]) + Number(digits[4]) + Number(digits[7])) + Number(digits[2]) + Number(digits[5]) + Number(digits[8]);
+  return sum % 10 === 0;
+}
+function validateUSRoutingNumber(input) {
+  const guarded = guardStringInput(input);
+  if (!guarded.ok) return { valid: false, error: guarded.error };
+  const cleaned = guarded.value.replace(/\s/g, "");
+  if (!/^\d{9}$/.test(cleaned)) {
+    return {
+      valid: false,
+      error: "US routing number must be exactly 9 digits"
+    };
+  }
+  if (!routingChecksum(cleaned)) {
+    return { valid: false, error: "US routing number checksum is invalid" };
+  }
+  return {
+    valid: true,
+    value: cleaned,
+    formatted: cleaned
+  };
+}
+
+// src/loan.ts
+var MAX_LOAN_MONTHS = 3600;
+function calculateEMI(principal, annualRatePercent, months) {
+  const p = guardNumber(principal, { min: 0, label: "Principal" });
+  const m = guardNumber(months, { min: 1, max: MAX_LOAN_MONTHS, integer: true, label: "Months" });
+  const rate = guardNumber(annualRatePercent, { min: 0, label: "Annual rate" });
+  if (!p.ok || !m.ok || !rate.ok) return 0;
+  if (rate.value === 0) return p.value / m.value;
+  const r = rate.value / 100 / 12;
+  return p.value * (r * (1 + r) ** m.value) / ((1 + r) ** m.value - 1);
+}
+function getLoanSchedule(principal, annualRatePercent, months) {
+  const emi = calculateEMI(principal, annualRatePercent, months);
+  if (emi === 0) return [];
+  const p = guardNumber(principal, { min: 0, label: "Principal" });
+  const m = guardNumber(months, { min: 1, max: MAX_LOAN_MONTHS, integer: true, label: "Months" });
+  const rate = guardNumber(annualRatePercent, { min: 0, label: "Annual rate" });
+  if (!p.ok || !m.ok || !rate.ok) return [];
+  const r = rate.value / 100 / 12;
+  const schedule = [];
+  let balance = p.value;
+  for (let month = 1; month <= m.value; month++) {
+    const interest = balance * r;
+    const principalPayment = emi - interest;
+    balance = Math.max(0, balance - principalPayment);
+    schedule.push({
+      month,
+      payment: emi,
+      principal: principalPayment,
+      interest,
+      balance
+    });
+  }
+  return schedule;
+}
+
 // src/types.ts
 function isValidationSuccess(result) {
   return result.valid === true;
 }
+function isValidationFailure(result) {
+  return result.valid === false;
+}
 
 exports.SUPPORTED_CURRENCIES = SUPPORTED_CURRENCIES;
+exports.calculateEMI = calculateEMI;
 exports.formatCurrency = formatCurrency;
+exports.formatIBAN = formatIBAN;
+exports.formatSortCode = formatSortCode;
+exports.formatUKAccountNumber = formatUKAccountNumber;
+exports.getLoanSchedule = getLoanSchedule;
+exports.isValidationFailure = isValidationFailure;
 exports.isValidationSuccess = isValidationSuccess;
 exports.parseMoney = parseMoney;
 exports.validateBIC = validateBIC;
 exports.validateCardNumber = validateCardNumber;
 exports.validateCurrencyCode = validateCurrencyCode;
+exports.validateEUVAT = validateEUVAT;
 exports.validateIBAN = validateIBAN;
 exports.validateUKAccountNumber = validateUKAccountNumber;
 exports.validateUKSortCode = validateUKSortCode;
+exports.validateUSRoutingNumber = validateUSRoutingNumber;
 //# sourceMappingURL=index.js.map
 //# sourceMappingURL=index.js.map