fraud-sim 0.2.0 → 0.5.0

package/README.md

@@ -9,9 +9,9 @@
 [![secret-scan](https://github.com/arthurr-beep/fraudsim/workflows/secret-scan/badge.svg)](https://github.com/arthurr-beep/fraudsim/actions)
 [![node](https://img.shields.io/badge/node-%3E%3D20-brightgreen)](https://nodejs.org)
 
-`fraud-sim` is a target-agnostic library for generating realistic fraud attack traffic — credential stuffing, account takeovers, card testing, and LLM-driven adaptive attackers — against any fraud detection system you want to evaluate.
+`fraud-sim` is a target-agnostic library for generating realistic fraud attack traffic — credential stuffing, account takeovers, card testing, and LLM-driven adaptive attackers — against any fraud detection system you want to evaluate. Alongside the attacks it sends ordinary customer traffic, so every run measures both what your defence stops and who it wrongly locks out.
 
-You build the defence. We bring the adversary.
+You build the defence. We bring the adversary — and the customers.
 
 ```js
 import { run, httpAdapter } from 'fraud-sim';
@@ -22,7 +22,7 @@ const target = httpAdapter({
 });
 
 const report = await run('credential-stuffing', {
-  options: { targetUserId: 'user_001', attackerCount: 50 },
+  options: { targetUserIds: ['user_001', 'user_002', 'user_003'], attackerCount: 20 },
   target,
   onEvent: (event) => console.log(event.type, event),
 });
@@ -38,7 +38,9 @@ Every team building fraud detection needs to answer one question: *does it actua
 
 The honest ways to find out are limited. You can wait for real attackers (expensive in losses, slow in feedback). You can write throwaway shell scripts (different per engineer, never reused, never reviewed). You can buy proprietary attack libraries from vendors (closed, locked to one product, often years out of date).
 
-`fraud-sim` is the open alternative: a maintained, scenario-extensible library that any team can point at any target. Test your in-house rules engine. Benchmark Stripe Radar. Compare two vendors side by side. Run it in CI to catch regressions when you change a threshold.
+`fraud-sim` is the open alternative: a maintained, scenario-extensible library for teams that run their own scoring API. Regression-test your rules engine in CI, so a threshold change that lets card testing through — or starts locking out customers who bought a new phone — fails the build instead of reaching production.
+
+Be clear about what it measures. Payloads are synthetic: fingerprints, IPs and amounts are generated, not captured from real devices or real fraud. That exercises the rules and thresholds behind your API. It does not exercise client-side device intelligence, behavioural biometrics or consortium data, and pointing it at a third-party vendor's production model would tell you little and probably breach their terms.
 
 It works against any HTTP API. It uses no real fraud data. It includes an LLM-powered adaptive attacker that learns from your blocks and changes strategy mid-attack — because real attackers do exactly that.
 
@@ -46,12 +48,13 @@ It works against any HTTP API. It uses no real fraud data. It includes an LLM-po
 
 ## What it does
 
-- **9 attack scenarios out of the box** — credential stuffing, account drain, card testing, promo abuse, mule networks, slow drain, session hijack, SIM swap takeover, and the adaptive LLM attacker
+- **10 attack scenarios** — credential stuffing, account drain, card testing, promo abuse, mule networks, slow drain, session hijack, SIM swap takeover, velocity evasion, and the LLM-driven adaptive attacker
+- **Legitimate customer traffic** — ordinary logins, new phones, travel and payments, so a run reports its false-positive rate next to its block rate. A defence that blocks everything scores 100% on attacks and fails here
 - **Target-agnostic** — works against any REST API via a configurable adapter
 - **LLM-driven adaptive attacker** — bring your own OpenAI, Anthropic, or local model. A deterministic fallback works without any LLM
 - **Structured event stream** — every action emits a typed event. Pipe it to a dashboard, log it, or stream it via Server-Sent Events
-- **Benchmarking and reporting** — run scenarios as a suite, compare two systems, generate shareable HTML reports, integrate with CI
-- **Safe by default** — modest attack rates that won't accidentally DDoS your own staging environment
+- **Reports and CI** — a `fraud-sim` command line, plus HTML, JUnit, JSON and terminal reports with findings ranked by what they cost
+- **Safe by default** — an enforced ceiling of 25 requests/second, not just per-scenario pacing, so a mistyped delay stays a simulation
 
 ---
 
@@ -69,7 +72,14 @@ It works against any HTTP API. It uses no real fraud data. It includes an LLM-po
 npm install fraud-sim
 ```
 
-Requires Node.js 20 or higher. Works with ESM and CommonJS.
+Requires Node.js 20 or higher. The package is ESM-only — `require('fraud-sim')`
+throws `ERR_REQUIRE_ESM`. From a CommonJS project, use a dynamic import:
+
+```js
+const { run } = await import('fraud-sim');
+```
+
+TypeScript declarations are bundled; no `@types` package is needed.
 
 ---
 
@@ -95,20 +105,146 @@ const report = await run('credential-stuffing', {
 console.log(report); // { attempts, blocked, stepUp, allowed, blockRate, ... }
 ```
 
-**Bundled mock HTTP target — a realistic practice range.** The package ships a
-small Express server with an actual rules engine. Install `express` once
-(`npm install express`), then:
+**Bundled mock HTTP targets — a practice range with two difficulty levels.**
+The package ships two Express servers with real rules engines. Install
+`express` once (`npm install express`), then:
 
 ```bash
 npm run example:mock-target   # terminal 1 → http://localhost:4000
 npm run example:basic         # terminal 2 → attacks it, watch decisions escalate
 ```
 
+The simple target has a deliberate cold-start gap: it allows a first login from
+an unrecognised device, so an attacker wins on move one. That is useful for
+seeing what a weak threshold costs, and useless for seeing an attacker adapt.
+
+The **hardened target** closes that gap — an unrecognised device is never
+allowed outright, only challenged — plus IP reputation, device recidivism and
+rotation detection:
+
+```bash
+npm run example:hardened-target    # terminal 1 → http://localhost:4001
+npm run example:mock-target        # terminal 2 → http://localhost:4000
+npm run example:adaptive-hardened  # terminal 3 → same attacker, both targets
+```
+
+That prints the adaptation round by round:
+
+```
+  round  4  BLOCK    risk 0.90  IP_KNOWN_ABUSIVE, NEW_DEVICE
+          ↳ Last attempt was blocked on an IP-related reason. Rotating to a fresh IP address.
+
+  round  5  STEP_UP  risk 0.35  NEW_DEVICE
+          ↳ Last attempt was blocked on an IP-related reason. Rotating to a fresh IP address.
+
+  round  7  BLOCK    risk 1.00  IP_KNOWN_ABUSIVE, IP_ROTATION_PATTERN, NEW_DEVICE
+
+  attacker defeated after 8 rounds — blocked 5 · challenged 3 · allowed 0
+```
+
+Rotation buys the attacker its way back from a block to a challenge, but never
+to an allow — and by round seven the rotation is itself a signal.
+
+**The gap the hardened target leaves on purpose:** a device that was only
+*challenged* is remembered as seen, not as bad. Replay it from a clean IP and it
+is allowed. The shipped deterministic attacker never finds this, because it
+rotates its fingerprint every round; an attacker reasoning "a step-up is not a
+block" beats the target immediately. Point a real LLM at it and see which one
+you have.
+
 Graduating to the real thing is a one-line change — swap the `baseUrl`. Full
 walk-through in **[docs/TESTING.md](docs/TESTING.md)**.
 
 ---
 
+## The command line
+
+No JavaScript required — point it at a URL and read the result.
+
+```bash
+npx fraud-sim list
+
+npx fraud-sim suite --all \
+  --target-url https://staging.example.com \
+  --header "Authorization: Bearer $API_KEY" \
+  --seed 42 \
+  --report assessment.html
+```
+
+That writes a shareable HTML report and prints a summary. This one is the
+bundled simple practice target (`npm run example:mock-target`), seed 42:
+
+```
+  SCENARIO              EVENTS   BLOCK   CHALL   ALLOW     RATE  OUTCOME
+  --------------------------------------------------------------------
+  credential-stuffing      500     440      51       9    88.0%  Contained
+  card-testing              64      50       6       8    78.1%  Value extracted
+  sim-swap-takeover          3       0       1       2     0.0%  Never blocked
+  ...
+
+  TOTAL  675 events · 675 scored · 85.0% blocked · 0 errors
+  LOSS   $606,000 extracted
+
+  LEGITIMATE TRAFFIC    EVENTS   BLOCK   CHALL   ALLOW   FALSE+  OUTCOME
+  --------------------------------------------------------------------
+  legitimate-users          66      16      17      33    24.2%  Customers blocked
+
+  CUSTOMERS  66 events · 24.2% blocked (false positives) · 50.0% challenged or blocked · 11 of 12 customers refused
+
+  FINDINGS (8)
+    [CRITICAL] card-testing — The attack reached money
+    [CRITICAL] promo-abuse — The attack reached money
+    [HIGH] legitimate-users — Legitimate customers were blocked
+    [HIGH] sim-swap-takeover — Nothing was ever blocked
+    ...
+```
+
+The simple target looks respectable on attacks and then refuses one customer
+event in four. Most of those blocks cite velocity: that target counts logins by
+arrival time, and the customers' sessions are days apart on the event clock but
+arrive within seconds. The finding says so rather than presenting the figure as
+fact — see [Legitimate traffic](#legitimate-traffic-and-false-positives).
+
+`suite --all` synthesises the account identifiers each scenario needs, giving
+every scenario its own block so they do not contaminate each other's per-user
+counters. Override anything with `--option key=value`, or target one scenario
+with `--option <scenario>.key=value`.
+
+### In CI
+
+```bash
+npx fraud-sim suite --all \
+  --target-url "$STAGING_URL" \
+  --seed 42 \
+  --report junit.xml \
+  --fail-under 85 \
+  --max-false-positives 2
+```
+
+`--fail-under` is the floor on attacks blocked; `--max-false-positives` is the
+ceiling on legitimate customer events blocked. Gate on both — either one alone
+can be passed by tuning the defence to the extreme.
+
+| Exit | Meaning |
+|---|---|
+| 0 | Ran, gate passed |
+| 1 | Ran, gate failed — an attack succeeded, the block rate was below the floor, or the false-positive rate was above the ceiling |
+| 2 | Usage error |
+| 3 | The run failed, or the target was too unreliable to measure |
+
+The 1/3 split is the point: a weak defence and an unreachable staging box are
+different problems, and a pipeline that reports them identically sends people to
+debug the wrong one. An attack that reaches its objective fails the run whether
+or not you set a threshold.
+
+> **Windows / Git Bash:** MSYS shells rewrite arguments that look like absolute
+> Unix paths, so `--endpoint-login /score/login` becomes a filesystem path and
+> every request 404s. Prefix the command with `MSYS_NO_PATHCONV=1`, or write the
+> path as `//score/login`. fraud-sim detects this and says so rather than
+> reporting your target as broken.
+
+---
+
 ## Quickstart — 5 minutes from zero to your first simulation
 
 ### 1. Set up a target
@@ -138,7 +274,10 @@ const target = httpAdapter({
 });
 
 const report = await run('credential-stuffing', {
-  options: { targetUserId: 'test_user_001', attackerCount: 10 },
+  options: {
+    targetUserIds: Array.from({ length: 12 }, (_, i) => `test_user_${i}`),
+    attackerCount: 10,
+  },
   target,
   onEvent: (event) => {
     if (event.type === 'response') {
@@ -205,25 +344,86 @@ const llm = deterministic({ seed: 42 });
 
 ## The scenarios
 
-| ID | What it simulates |
-|---|---|
-| `credential-stuffing` | A botnet authenticates using stolen credentials across many IPs and rotating user agents |
-| `account-drain` | Attacker logs in from a new device, changes the password, and rapidly drains funds to new payees |
-| `adaptive-attacker` | An LLM-driven attacker that observes blocks and reason codes, then adapts its strategy |
-| `card-testing` | BIN attacks, micro-authorisation probing, and automated card validation patterns |
-| `promo-abuse` | One actor creating many accounts to farm signup bonuses and referral rewards |
-| `mule-network` | Coordinated transfers between accounts simulating fund laundering |
-| `slow-drain` | Withdrawals individually below the velocity threshold but collectively significant |
-| `session-hijack` | Mid-session device or IP changes simulating session takeover |
-| `sim-swap-takeover` | Phone number ported, OTP redirected, login from new device, immediate withdrawal |
+Ten attack scenarios and one legitimate one are registered and runnable.
+`listScenarios()` returns the live list at runtime, each entry marked
+`traffic: 'attack'` or `traffic: 'legitimate'`.
+
+| ID | Needs | What it simulates |
+|---|---|---|
+| `legitimate-users` | login, withdrawal | **Not an attack.** Ordinary customers: routine logins, a new phone, travel, payments to known and new payees. Every block is a false positive |
+| `credential-stuffing` | login | A botnet replays a stolen credential dump across many IPs and many accounts |
+| `account-drain` | login, withdrawal | Attacker logs in from a new device, changes the password, and rapidly drains funds to new payees |
+| `adaptive-attacker` | login | An LLM-driven attacker that observes blocks and reason codes, then adapts its strategy |
+| `card-testing` | action | BIN attacks and micro-authorisation probing, escalating to real charges on validated cards |
+| `promo-abuse` | action | One actor creating many accounts to farm signup bonuses, reusing devices and subnets |
+| `mule-network` | withdrawal | Fan-out to mule accounts, then fan-in to one destination — laundering by layering |
+| `slow-drain` | withdrawal | Withdrawals individually below every short-window threshold, spread over days |
+| `session-hijack` | login, action, withdrawal | A stolen session replayed from a different device and network |
+| `sim-swap-takeover` | login, action, withdrawal | Number ported, OTP redirected, password reset, login, immediate withdrawal |
+| `velocity-evasion` | login | An attacker pacing attempts to stay just under the rate limits |
+
+The **Needs** column is the target methods each scenario calls: `login` is
+`scoreLogin`, `withdrawal` is `scoreWithdrawal`, `action` is `scoreAction`. A
+scenario throws a clear error if the adapter does not implement what it needs,
+so a target that only scores logins and withdrawals can still run seven of the
+ten attacks, and the legitimate traffic.
+
+Four scenarios (`slow-drain`, `velocity-evasion`, `mule-network`, and the timing
+stages of `sim-swap-takeover`) advance the payload `timestamp` instead of
+sleeping for hours, and set `simulatedTime: true` on the report. That is
+faithful only if your system derives its velocity windows from the event
+timestamp — if it stamps arrival time server-side, those runs measure a burst
+rather than the attack they describe.
 
 Each scenario has its own options and emits structured events you can subscribe to. See [`docs/ATTACK_PATTERNS.md`](docs/ATTACK_PATTERNS.md) for full details on each one.
 
+### Legitimate traffic and false positives
+
+A block rate on its own is easy to win: block everything and it reads 100%.
+`legitimate-users` is the other half of the measurement. It plays ordinary
+customers, each with one device, one browser, their own home address in a
+domestic city and a couple of payees they already pay. A block here is a real
+customer refused; a step-up is friction.
+
+```js
+const report = await run('legitimate-users', {
+  target,
+  options: { targetUserIds: customerIds }, // one id per customer
+  seed: 42,
+});
+
+report.falsePositiveRate; // blocked / scored customer events
+report.frictionRate;      // (blocked + challenged) / scored
+report.customersBlocked;  // customers refused at least once
+report.valueBlockedMinor; // customers' own payments refused
+report.byStage;           // routine-login, new-device-login, travel-login,
+                          // known-payee-withdrawal, new-payee-withdrawal
+```
+
+How it stays honest:
+
+- **Warm-up first.** Each customer logs in `warmupLogins` times before anything
+  is measured, because a real customer is not a stranger to your system. Warm-up
+  decisions are reported under `warmup` and excluded from the rates.
+- **Own addresses.** Every customer gets a distinct home IP, so a users-per-IP
+  rule cannot fire on traffic the simulator crowded onto one address.
+- **Days, not seconds.** Sessions are `sessionGapHours` apart on the event
+  clock. That is faithful only if your engine windows on the payload
+  `timestamp`. If it counts arrivals, it sees a burst, and the finding flags any
+  velocity reason among the blocks as possible compression rather than behaviour.
+- **Never mixed with attacks.** Suite totals, block rates and `--fail-under`
+  cover attack scenarios only. Customer traffic is summarised separately under
+  `totals.legitimate` in every report format.
+
+Tune the mix with `newDeviceRate`, `travelRate`, `withdrawalRate`,
+`newPayeeRate` and `amountMinor`. `suite --all` runs it first, before any attack
+has burned shared state on the target.
+
 List scenarios programmatically:
 
 ```js
 import { listScenarios } from 'fraud-sim';
-const scenarios = await listScenarios();
+const scenarios = listScenarios(); // synchronous
 // → [{ id: 'credential-stuffing', name: '...', description: '...', defaultOptions: {...} }, ...]
 ```
 
@@ -255,6 +455,78 @@ npx fraud-sim compare \
 
 ---
 
+## Calibrating a run
+
+A simulation only tells you something if the attack actually crosses the
+thresholds the target is configured with. Two failure modes look identical in a
+report and mean opposite things:
+
+- **The attack was caught.** Low allow rate, several distinct reason codes.
+- **The attack was too quiet to catch.** Also a low block rate — but the
+  defence never had anything to fire on.
+
+Three settings decide which one you get.
+
+**`targetUserIds` — how many accounts the dump covers.** Credential stuffing is
+a list of victims, not one victim retried. Engines commonly ship a "one IP,
+many users" rule with a limit near 10 accounts; pass fewer than that and the
+rule cannot fire. The scenario emits a `milestone` warning if you pass a single
+account.
+
+**`attemptsPerIp` — how hard each IP pushes.** Per-IP velocity limits commonly
+sit near 20 attempts per 5 minutes. The default of 25 clears that; the previous
+default of 3 did not, so the rule stayed silent on every run.
+
+**`ipPersona` — whether geo and reputation rules are reachable at all.** This is
+the subtle one. Most fraud systems resolve IP intelligence *asynchronously* and
+fall back to neutral values on a cache miss. In a short run every IP is seen for
+the first time, so proxy, abuse-score, new-country, and impossible-travel rules
+all score zero — often four to six of the target's rules, silently disabled.
+
+```js
+import { DEMO_IP_POOL } from 'fraud-sim';
+
+// Before the run: seed the target's IP-intel cache from the pool.
+for (const entry of DEMO_IP_POOL) {
+  await yourSystem.cacheIpIntel(entry.ip, entry);
+}
+
+const report = await run('credential-stuffing', {
+  target,
+  options: { targetUserIds, ipPersona: 'mixed' },
+});
+```
+
+`DEMO_IP_POOL` is a fixed set of addresses with declared geolocation and
+reputation, drawn from the RFC 5737 documentation ranges so a simulation never
+attributes attack traffic to a real network operator. Because it is fixed and
+its metadata is published, the system under test can pre-warm from it — no live
+lookups, no third-party rate limits mid-demo, and reproducible results.
+
+| `ipPersona` | Draws from | Use when |
+|---|---|---|
+| `random` (default) | Generated public IPv4, no metadata | Pointing at a system that does its own live IP lookups |
+| `mixed` | Hosting, proxy, foreign and domestic pool entries | Demos and CI — the realistic botnet composition |
+| `domestic` | In-country residential | Isolating velocity rules from geo rules |
+| `hosting` / `proxy` / `foreign` | That persona only | Probing one rule family at a time |
+
+Note that `random` deliberately excludes private, loopback, CGNAT, link-local
+and documentation ranges. Addresses in those blocks resolve at no IP-intel
+provider, which produces the silent-neutral-fallback problem above.
+
+Scenario events carry the intel alongside each attempt when a pool persona is
+used, so a live dashboard can show *why* an IP is suspicious:
+
+```js
+onEvent: (e) => {
+  if (e.type === 'attempt' && e.ipIntel) {
+    console.log(e.payload.ip_address, e.ipIntel.countryCode, e.ipIntel.abuseScore);
+  }
+}
+```
+
+---
+
 ## The adaptive attacker — how it works
 
 The `adaptive-attacker` scenario is `fraud-sim`'s headline feature, and the part that's worth understanding before using it.
@@ -275,62 +547,301 @@ Round 3: LLM reasons: "IP is flagged as a proxy. Switching to a residential
          Attacker tries with a residential-looking IP.
          Target responds: BLOCK — reasons: ["LOGIN_VELOCITY_USER"]
 
-Round 4: LLM reasons: "Velocity threshold hit. I'll wait and reduce my pace."
-         Attacker waits 60 seconds, tries again with cleaner signals.
+Round 4: LLM reasons: "Velocity threshold hit. I'll rotate the IP and keep
+         the device that was only challenged."
          Target responds: BLOCK — reasons: ["IP_MANY_USERS"]
 
 ...
 ```
 
-**What the LLM sees:** the decision (`ALLOW`/`STEP_UP`/`BLOCK`), the reason codes (`NEW_DEVICE`, `IP_PROXY_VPN`, etc.), and the round number. Nothing else. It cannot see the target's rule weights, thresholds, or internal state.
+**What the LLM sees:** for every previous round, the exact `ip`, `userAgent` and `deviceFingerprint` that were sent, the decision (`ALLOW`/`STEP_UP`/`BLOCK`) and the reason codes (`NEW_DEVICE`, `IP_PROXY_VPN`, etc.). Nothing else. It cannot see the target's rule weights, thresholds, or internal state.
+
+**What it controls:** those three parameters, plus `delayMs`. A parameter it omits keeps its previous value, so reusing a device is a choice it can make. `delayMs` is recorded in the report but not enacted — the run is paced by the scenario's own `delayMs` option, so a ten-round attack does not take minutes.
 
 **Why this matters:** real attackers operate this way. They probe, learn, and adapt. A fraud system that catches a one-shot attack but fails against an adaptive adversary is not actually well-defended. The adaptive attacker exposes the difference.
 
 **Defensive systems that defeat the adaptive attacker do so because rules stack.** Defeating one signal exposes the next. A system with only one rule (say, IP reputation) can be evaded by changing IPs. A system with nine independent signals — velocity, device, geo, behaviour, payee, session continuity — cannot be evaded by changing any one of them.
 
-The library ships with three LLM providers (OpenAI, Anthropic, and a deterministic fallback) and a clean interface for plugging in others. See [`docs/LLM_PROVIDERS.md`](docs/LLM_PROVIDERS.md).
+The library ships with three LLM providers (OpenAI, Anthropic, and a deterministic fallback) and a clean interface for plugging in others — see `src/llm/`.
 
 ---
 
 ## Benchmarking and reporting
 
-Run a suite of scenarios and generate a shareable report:
+Run several scenarios in one pass and get a per-scenario breakdown plus an
+aggregate across all of them:
 
 ```js
-import { runSuite, generateReport } from 'fraud-sim';
-import fs from 'node:fs';
+import { runSuite } from 'fraud-sim';
 
 const result = await runSuite({
   name: 'monthly-benchmark',
   scenarios: [
-    { id: 'credential-stuffing', options: { attackerCount: 100 } },
-    { id: 'account-drain',       options: { withdrawalCount: 10 } },
-    { id: 'card-testing',        options: { cardCount: 50 } },
-    { id: 'adaptive-attacker',   options: { maxRounds: 15 }, llm },
+    { id: 'legitimate-users',    options: { targetUserIds: customerIds } },
+    { id: 'credential-stuffing', options: { targetUserIds, attackerCount: 20 } },
+    { id: 'account-drain',       options: { targetUserId: 'victim_001', withdrawalCount: 10 } },
+    { id: 'adaptive-attacker',   options: { targetUserId: 'victim_001', maxRounds: 15 } },
   ],
   target,
 });
 
-const html = await generateReport(result, { format: 'html' });
-fs.writeFileSync('benchmark-report.html', html);
+console.log(result.aggregate);
+// → { attempts, blocked, stepUp, allowed, blockRate, stepUpRate,
+//     legitimate: { falsePositiveRate, frictionRate, customersBlocked, ... } }
+// Attack figures cover attack scenarios only; `legitimate` is null when the
+// suite included no legitimate traffic.
+
+for (const r of result.scenarioReports) {
+  console.log(r.scenarioId, r.blockRate);
+}
 ```
 
-The HTML report includes:
+Because the aggregate is a plain object, gating CI on it needs no extra
+tooling — assert on the block rate and fail the build when a threshold change
+makes the defence worse. Check `errorRate` first, or a target that was simply
+unreachable will sail through the gate:
 
-- Block rate per scenario with confidence intervals
-- Latency p50, p95, p99 across all attempts
-- Reason code frequency (what's catching the most attacks)
-- Side-by-side comparison when two targets are tested
-- A timeline view of the adaptive attacker's reasoning
+```js
+const { blockRate, errorRate, scoredAttempts } = result.aggregate;
 
-For CI integration, generate JUnit XML and feed it to GitHub Actions, GitLab CI, or Jenkins:
+if (errorRate > 0.05) {
+  throw new Error(
+    `${(errorRate * 100).toFixed(1)}% of attempts never got a decision — ` +
+      'the target was unhealthy, so this run says nothing about the defence.'
+  );
+}
+
+if (blockRate < 0.85) {
+  throw new Error(`Block rate regressed to ${blockRate} over ${scoredAttempts} scored attempts`);
+}
+
+if (result.aggregate.legitimate?.falsePositiveRate > 0.02) {
+  throw new Error('More than 2% of ordinary customer activity is being blocked');
+}
+```
+
+### Reports
+
+```js
+import { generateReport } from 'fraud-sim/reporting';
+import { writeFileSync } from 'node:fs';
+
+writeFileSync('report.html', generateReport(result, { format: 'html' }));
+writeFileSync('junit.xml',  generateReport(result, { format: 'junit' }));
+```
+
+Four formats: `html` (a standalone, printable document), `junit` (for CI),
+`json` (the structured summary), and `text` (the terminal table).
+
+Every report carries latency percentiles, reason-code frequency, and findings
+ranked by what they cost. Two mappings are worth knowing:
+
+- **JUnit is scored from the defender's side.** A blocked attack is a *pass*. A
+  failure means the attack succeeded or nothing was blocked. An unreliable
+  target is an `error`, not a failure. A timing-dependent result is `skipped`,
+  never a pass — a green pipeline should not be achievable by breaking the
+  target.
+- **Reports never invent causes.** Findings state what the data supports and
+  stop there.
+
+### Markets
+
+A fraud engine is fed by data that looks like its market. Account numbers of the
+wrong length, banks that do not exist and mis-formatted phone numbers get
+rejected as malformed *before* they are ever scored — and a run full of
+validation errors measures nothing at all.
+
+So the market is a parameter:
+
+```js
+await run('account-drain', { target, locale: 'GB', options });
+```
+
+```bash
+npx fraud-sim suite --all --target-url "$URL" --locale GB
+```
+
+| | `NG` | `US` | `GB` | `KE` |
+|---|---|---|---|---|
+| Currency | NGN | USD | GBP | KES |
+| Account number | 10 digits | 8–12 digits | 8 digits | 12 digits |
+| Phone | `0803…` | `+1…` | `+447…` | `+2547…` |
+| Banks | GTBank, UBA… | Chase, Wells Fargo… | Barclays, Monzo… | Equity, KCB… |
+
+Defaults to `US`. An unknown code throws rather than falling back, because
+silently generating US-shaped data for a run that asked for `DE` produces a
+result that looks valid and measures the wrong market.
+
+The market also decides which country counts as **domestic** in `DEMO_IP_POOL`.
+An address in Lagos is the quiet baseline for a Nigerian bank and a new-country
+signal for a British one, so a fixed pool would mean opposite things depending
+on who you pointed it at. Use `demoIpPool()` to get the pool for the market in
+scope.
+
+Adding a market is a pull request against `src/locales/index.js` — same fields,
+synthetic data, real formats. The bundled packs are a small plausible sample
+chosen so payloads pass format validation; they are not a directory, and no real
+customer, account or number is represented.
+
+### Currency
+
+Every amount in `fraud-sim` is an integer in the currency's **minor unit** —
+kobo, cents, the same thing structurally. So a report renders in any currency
+without touching a number:
+
+```js
+generateReport(result, { format: 'html', currency: 'USD' });
+```
+
+```bash
+npx fraud-sim suite --all --target-url "$URL" --currency USD
+```
+
+Defaults to `NGN`. **No conversion is applied** — the integers are unchanged and
+only the symbol and grouping differ. That is deliberate: a report that silently
+applied an FX rate would be quietly wrong the day the rate moved, and the tool
+has no business holding an opinion about exchange rates. If you need a converted
+figure, convert it before you generate the report.
+
+The minor-unit exponent comes from `Intl`, so zero-decimal currencies are not
+divided by a hundred: the same integer that reads `₦606,000` reads `￥60,600,000`.
+
+Reports default to the market's own currency, so `--locale GB` reports in GBP
+without being told twice.
+
+### Running scenarios in parallel
 
 ```js
-const xml = await generateReport(result, { format: 'junit' });
-fs.writeFileSync('fraud-sim-results.xml', xml);
+const result = await runSuite({ name: 'nightly', target, scenarios, concurrency: 4 });
 ```
 
-A worked GitHub Actions example lives in [`examples/ci-integration-github-actions/`](examples/ci-integration-github-actions/).
+The request ceiling is shared across the whole suite, so concurrency speeds a
+run up without multiplying the load. Note that scenarios sharing a target
+interleave their traffic, and most engines keep per-user and per-IP state — a
+parallel suite measures a *combined* attack rather than each attack
+independently. Give each scenario distinct users if you want both speed and
+isolation.
+
+---
+
+## Reproducible runs
+
+Pass a `seed` and the run replays choice for choice — same IPs, same devices,
+same amounts, same ordering:
+
+```js
+const report = await run('credential-stuffing', {
+  target,
+  options: { targetUserIds },
+  seed: 42,
+});
+
+console.log(report.seed); // 42
+```
+
+Two runs with the same seed produce identical payloads. Different seeds produce
+different ones. An unseeded run has no `seed` field on its report, so a report
+never implies reproducibility it does not have.
+
+This matters in two places. In CI, an unseeded block rate drifts between builds
+for reasons unrelated to your rules, so a threshold gate is either too loose to
+catch regressions or flaky enough to be ignored. And when an attack does get
+through, a seed is the difference between "something got past us" and a run you
+can hand someone and replay exactly.
+
+Seeding controls generated values, **not wall-clock time** — payload timestamps
+still come from the real clock (or a scenario's simulated one), so two seeded
+runs are identical in shape rather than byte-identical.
+
+`runSuite` takes a seed too, deriving a distinct one per scenario so the suite
+is reproducible as a whole without every scenario replaying the same values.
+
+Custom scenarios get this for free as long as they draw randomness from
+`fraud-sim/utils` rather than calling `Math.random()` directly.
+
+---
+
+## Rate limiting
+
+Every run is capped at **25 outbound requests per second** by default, enforced
+by wrapping the target adapter — so the ceiling holds for custom scenarios too,
+not just the built-in ones. The shipped scenarios pace themselves well under it;
+the cap exists so that a `delayMs: 0` typo against a real host stays a
+simulation.
+
+```js
+await run('credential-stuffing', {
+  target,
+  options: { targetUserIds },
+  maxRequestsPerSecond: 50,       // raise it deliberately
+  // maxRequestsPerSecond: Infinity,  // or disable it entirely
+});
+```
+
+If the cap actually held a run back, it emits a `warning` event saying by how
+much — worth noticing before reading anything into that run's latency numbers.
+
+---
+
+## When the target misbehaves
+
+A simulation is only a measurement if the target actually answered. `fraud-sim`
+separates the two cases.
+
+**Non-2xx responses are errors, not blocks.** If a `429` or a `503` were counted
+as a `BLOCK`, then rate-limiting the simulator — or the target falling over
+under load — would *raise* its measured block rate. A benchmark that rewards a
+target for breaking is measuring the opposite of what it claims. So HTTP
+failures come back as `decision: 'ERROR'` with `infraError: true` and a reason
+code naming the cause (`RATE_LIMITED`, `SERVER_ERROR`, `AUTH_ERROR`,
+`ENDPOINT_NOT_FOUND`, `NETWORK_ERROR`).
+
+If your API genuinely signals a block with an HTTP status, say so explicitly:
+
+```js
+const target = httpAdapter({
+  baseUrl: 'https://api.example.com',
+  blockOnStatus: [403], // this API returns 403 for a hard block
+});
+```
+
+**Rates are computed over attempts that were actually scored.** Every report
+carries:
+
+| Field | Meaning |
+|---|---|
+| `attempts` | Everything the scenario tried |
+| `scoredAttempts` | Attempts that came back with a real decision (`attempts - errors`) |
+| `errors` | Attempts that failed before being scored |
+| `blockRate` | `blocked / scoredAttempts` |
+| `stepUpRate` | `stepUp / scoredAttempts` |
+| `errorRate` | `errors / attempts` |
+
+A run with a non-zero `errorRate` also emits a `warning` event saying how much
+of it failed. Treat a high `errorRate` as an invalid run, not a bad score.
+
+---
+
+## Unknown options are rejected
+
+Each scenario's option surface is exactly its `defaultOptions`. Passing a key it
+does not declare throws:
+
+```js
+await run('credential-stuffing', {
+  target,
+  options: { targetUserIds, attemptsPerIP: 25 }, // note the capital P
+});
+// Error: Unknown option for scenario "credential-stuffing": "attemptsPerIP"
+//        (did you mean "attemptsPerIp"?). Valid options: attackerCount,
+//        attemptsPerIp, delayMs, ipPersona, maxTotalAttempts, targetUserId,
+//        targetUserIds.
+```
+
+Silently falling back to the default would produce a run that completes, looks
+healthy, and answers a different question than the one you asked — the same
+failure mode as an under-calibrated attack, just self-inflicted. Custom
+scenarios registered without `defaultOptions` skip this check.
 
 ---
 
@@ -340,49 +851,76 @@ A scenario is a single file. Here's a minimal one:
 
 ```js
 // my-custom-scenario.js
-import { faker } from '@faker-js/faker';
+import {
+  sleep,
+  newResults,
+  scoreAndCount,
+  buildLoginPayload,
+  randomIp,
+  alphanumeric,
+} from 'fraud-sim/utils';
 
 export default {
   id: 'my-custom-attack',
   name: 'Account enumeration',
-  description: 'Tries to enumerate valid user accounts by varying the email',
+  description: 'Tries to enumerate valid accounts by varying the user, not the attacker',
 
+  // The option surface. Anything not listed here is rejected at run time, so
+  // a typo fails loudly instead of silently falling back to a default.
   defaultOptions: {
     attemptCount: 100,
     delayMs: 100,
   },
 
-  async run({ options, target, emit, signal }) {
-    const opts = { ...this.defaultOptions, ...options };
-    const results = { attempts: 0, blocked: 0, stepUp: 0, allowed: 0 };
-
-    for (let i = 0; i < opts.attemptCount && !signal.aborted; i++) {
-      const payload = {
-        user_id: faker.internet.email(),     // varying the user, not the attacker
-        ip_address: '192.168.1.100',         // same IP — this is the key signal
-        device_fingerprint: 'enum-bot-001',
-        timestamp: new Date().toISOString(),
-        metadata: { _simulated: true },
-      };
-
-      emit({ type: 'attempt', round: i, payload, timestamp: Date.now() });
-      const t0 = Date.now();
-      const response = await target.scoreLogin(payload);
-      emit({ type: 'response', round: i, response, latencyMs: Date.now() - t0, timestamp: Date.now() });
-
-      results.attempts++;
-      if (response.decision === 'BLOCK')   results.blocked++;
-      if (response.decision === 'STEP_UP') results.stepUp++;
-      if (response.decision === 'ALLOW')   results.allowed++;
-
-      await new Promise(r => setTimeout(r, opts.delayMs));
+  async run(ctx) {
+    const { options, emit, signal } = ctx;
+    const results = newResults({ usersProbed: 0 });
+
+    // One attacker, one device — the constants are the signal here.
+    const attackerIp = randomIp();
+    const device = `enum-bot-${alphanumeric(8)}`;
+
+    emit({
+      type: 'milestone',
+      message: `Enumerating ${options.attemptCount} accounts from ${attackerIp}`,
+      timestamp: Date.now(),
+    });
+
+    for (let i = 0; i < options.attemptCount && !signal.aborted; i++) {
+      // scoreAndCount emits the attempt/response pair, updates the tally, and
+      // reports a missing adapter method clearly.
+      await scoreAndCount({
+        ctx,
+        method: 'scoreLogin',
+        payload: buildLoginPayload(`probe_${alphanumeric(10)}@example.invalid`, {
+          ip_address: attackerIp,
+          device_fingerprint: device,
+        }),
+        results,
+      });
+
+      results.usersProbed++;
+
+      try {
+        await sleep(options.delayMs, signal);
+      } catch {
+        break; // aborted
+      }
     }
 
-    return { scenarioId: this.id, ...results, blockRate: results.blocked / results.attempts };
+    // The runner adds scenarioId, blockRate, errorRate and timings.
+    return results;
   },
 };
 ```
 
+Two things the helpers buy you. `randomIp()` avoids private, loopback and
+documentation ranges — a hardcoded `192.168.1.100` resolves at no IP-intel
+provider, so the target falls back to neutral values and its geo and reputation
+rules never fire, making your attack look harmless for the wrong reason. And
+because every generator draws from the run's random source, your scenario
+replays under `seed` like the built-in ones do.
+
 Register it and run it:
 
 ```js
@@ -393,7 +931,7 @@ registerScenario(myScenario);
 await run('my-custom-attack', { options: { attemptCount: 200 }, target });
 ```
 
-Full guide: [`docs/EXTENDING.md`](docs/EXTENDING.md).
+The built-in scenarios in `src/scenarios/` are the reference — `slow-drain` is the simplest one that uses a simulated clock, and `mule-network` the simplest multi-stage one.
 
 ---
 
@@ -420,7 +958,7 @@ This library generates traffic that looks like fraud, against systems that detec
 - Do not use it as part of an actual attack on any system. The library is explicitly designed for testing your own defences and for vendors testing their own products.
 - Do not use it to evade or attack real fintech production systems, including ones you have customer accounts with. Customer terms of service prohibit this.
 
-Default rate limits in the library (modest attack counts, 200ms delays between actions) are deliberate. They are not aggressive enough to support real attacks at scale, and aggressive configurations require explicit setup. This is a feature, not a limitation.
+The library caps outbound traffic at 25 requests per second by default, enforced in the runner rather than left to each scenario's pacing. That is not aggressive enough to support real attacks at scale, and raising it requires passing `maxRequestsPerSecond` explicitly. This is a feature, not a limitation.
 
 If you find a way to use `fraud-sim` that the maintainers should consider out of scope, please open an issue.
 
@@ -432,13 +970,15 @@ If you find a way to use `fraud-sim` that the maintainers should consider out of
 
 | Version | Focus | Status |
 |---|---|---|
-| v0.1 | Core abstractions, 2 scenarios, HTTP adapter | 🚧 In development |
-| v0.2 | LLM-driven adaptive attacker, SSE streaming | Planned |
-| v0.3 | 7 additional scenarios, CLI runner | Planned |
-| v0.4 | Test suites, reporting, benchmarking, CI integration | Planned |
+| v0.1 | Core abstractions, 2 scenarios, HTTP adapter | ✅ Released |
+| v0.2 | LLM-driven adaptive attacker, SSE streaming | ✅ Released |
+| v0.3 | 7 additional scenarios (library complete), seeded runs, rate limiting, TypeScript declarations | Shipped in v0.5 |
+| v0.4 | CLI runner, reporting (HTML/JUnit/JSON), latency percentiles, suite concurrency | Shipped in v0.5 |
+| v0.5 | Legitimate customer traffic and false-positive reporting, markets, hardened practice target | ✅ Current |
+| v0.6 | Config-file request mapping, `init` and `demo` commands, before/after comparison | Planned |
 | v1.0 | Community scenario library, governance, stable API | Planned |
 
-Full phase plan in [`docs/ROADMAP.md`](docs/ROADMAP.md).
+See [`CHANGELOG.md`](CHANGELOG.md) for what landed in each release.
 
 ---