ojamoto_models 1.0.9 → 1.0.11

package/migrations/2026000047-add-cac-verified-to-user-kyc.js

@@ -0,0 +1,39 @@
+"use strict";
+
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    await queryInterface.addColumn("users", "cac_verified", {
+      type: Sequelize.BOOLEAN,
+      allowNull: false,
+      defaultValue: false,
+      after: "nin_verified",
+      comment: "Business sellers only",
+    });
+
+    await queryInterface.addColumn("kyc_verifications", "cac_data_json", {
+      type: Sequelize.JSON,
+      allowNull: true,
+      after: "bank_data_json",
+      comment: "Raw CAC API response from provider",
+    });
+
+    await queryInterface.addColumn(
+      "kyc_verifications",
+      "verification_attempts",
+      {
+        type: Sequelize.INTEGER,
+        allowNull: false,
+        defaultValue: 0,
+        after: "cac_data_json",
+      },
+    );
+  },
+  async down(queryInterface) {
+    await queryInterface.removeColumn("users", "cac_verified");
+    await queryInterface.removeColumn("kyc_verifications", "cac_data_json");
+    await queryInterface.removeColumn(
+      "kyc_verifications",
+      "verification_attempts",
+    );
+  },
+};

package/migrations/2026000048-update-platform-fee-tnx-pin-limit.js

@@ -0,0 +1,87 @@
+"use strict";
+
+const { SELLER_TIER } = require("../services/constants");
+
+module.exports = {
+  async up(queryInterface, Sequelize) {
+    // seller tiers
+    await queryInterface.addColumn("seller_profiles", "tier", {
+      type: Sequelize.ENUM(...Object.values(SELLER_TIER)),
+      allowNull: true,
+      defaultValue: SELLER_TIER.TIER_1,
+      after: "verification_status",
+    });
+
+    // escrow units + fee snapshot
+    await queryInterface.addColumn("escrows", "units", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+      defaultValue: 1,
+      after: "currency",
+    });
+
+    await queryInterface.addColumn("escrows", "unit_price", {
+      type: Sequelize.DECIMAL(15, 2),
+      allowNull: true,
+      defaultValue: 0.0,
+      after: "units",
+      comment: "Price per unit at time of order",
+    });
+
+    await queryInterface.addColumn("escrows", "fee_percentage_applied", {
+      type: Sequelize.DECIMAL(5, 4),
+      allowNull: true,
+      defaultValue: 0.05,
+      after: "unit_price",
+      comment: "Seller's tier fee rate frozen at order time",
+    });
+
+    // funding fee — what the user was actually charged vs what we credit
+    await queryInterface.addColumn("wallet_transactions", "charged_amount", {
+      type: Sequelize.DECIMAL(15, 2),
+      allowNull: true,
+      after: "currency",
+      comment:
+        "Gross amount charged at the gateway (amount + funding fee) - deposits only",
+    });
+
+    await queryInterface.addColumn("wallet_transactions", "funding_fee", {
+      type: Sequelize.DECIMAL(15, 2),
+      allowNull: true,
+      after: "charged_amount",
+    });
+
+    // PIN lockout
+    await queryInterface.addColumn("users", "pin_failed_attempts", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+      defaultValue: 0,
+      after: "transaction_pin_hash",
+    });
+
+    await queryInterface.addColumn("users", "pin_locked_until", {
+      type: Sequelize.DATE,
+      allowNull: true,
+      after: "pin_failed_attempts",
+    });
+
+    await queryInterface.addColumn("users", "pin_locked_permanently", {
+      type: Sequelize.BOOLEAN,
+      allowNull: true,
+      defaultValue: false,
+      after: "pin_locked_until",
+    });
+  },
+
+  async down(queryInterface) {
+    await queryInterface.removeColumn("seller_profiles", "tier");
+    await queryInterface.removeColumn("escrows", "units");
+    await queryInterface.removeColumn("escrows", "unit_price");
+    await queryInterface.removeColumn("escrows", "fee_percentage_applied");
+    await queryInterface.removeColumn("wallet_transactions", "charged_amount");
+    await queryInterface.removeColumn("wallet_transactions", "funding_fee");
+    await queryInterface.removeColumn("users", "pin_failed_attempts");
+    await queryInterface.removeColumn("users", "pin_locked_until");
+    await queryInterface.removeColumn("users", "pin_locked_permanently");
+  },
+};

package/models/Escrow.js

@@ -84,6 +84,24 @@ module.exports = (sequelize) => {
         allowNull: false,
         defaultValue: "NGN",
       },
+      units: {
+        type: DataTypes.INTEGER,
+        allowNull: false,
+        defaultValue: 1,
+      },
+      unit_price: {
+        type: DataTypes.DECIMAL(15, 2),
+        allowNull: false,
+        defaultValue: 0.0,
+        comment: "Price per unit at time of order. Amount = unit_price * units",
+      },
+      fee_percentage_applied: {
+        type: DataTypes.DECIMAL(15, 2),
+        allowNull: false,
+        defaultValue: 0.05,
+        comment:
+          "Fee rate determined by seller's tier. 5% - T1, 4.5% - T2, 4% - T3",
+      },
       status: {
         type: DataTypes.ENUM(...Object.values(ESCROW_STATUS)),
         allowNull: false,

package/models/KycVerification.js

@@ -37,6 +37,15 @@ module.exports = (sequelize) => {
         allowNull: true,
         comment: "Resolved account name and bank details",
       },
+      cac_data_json: {
+        type: DataTypes.JSON,
+        allowNull: true,
+      },
+      verification_attempts: {
+        type: DataTypes.INTEGER,
+        allowNull: false,
+        defaultValue: 0,
+      },
       verification_status: {
         type: DataTypes.ENUM(...Object.values(KYC_STATUS)),
         allowNull: false,

package/models/SellerProfile.js

@@ -4,6 +4,7 @@ const { Model, DataTypes } = require("sequelize");
 const {
   SELLER_VERIFICATION_STATUS,
   SELLER_TYPE,
+  SELLER_TIER,
 } = require("../services/constants");
 
 module.exports = (sequelize) => {
@@ -76,6 +77,11 @@ module.exports = (sequelize) => {
         allowNull: false,
         defaultValue: SELLER_VERIFICATION_STATUS.UNVERIFIED,
       },
+      tier: {
+        type: DataTypes.ENUM(...Object.values(SELLER_TIER)),
+        allowNull: false,
+        defaultValue: SELLER_TIER.TIER_1,
+      },
     },
     {
       sequelize,

package/models/User.js

@@ -160,6 +160,20 @@ module.exports = (sequelize) => {
         type: DataTypes.STRING(255),
         allowNull: true,
       },
+      pin_failed_attempts: {
+        type: DataTypes.INTEGER,
+        allowNull: false,
+        defaultValue: 0,
+      },
+      pin_locked_until: {
+        type: DataTypes.DATE,
+        allowNull: true,
+      },
+      pin_locked_permanently: {
+        type: DataTypes.BOOLEAN,
+        allowNull: false,
+        defaultValue: false,
+      },
       is_transaction_pin_set: {
         type: DataTypes.BOOLEAN,
         defaultValue: false,
@@ -184,7 +198,13 @@ module.exports = (sequelize) => {
       nin_verified: {
         type: DataTypes.BOOLEAN,
         defaultValue: false,
-        comment: "Sellers only",
+        comment: "Buyers and Individual Sellers",
+      },
+      cac_verified: {
+        type: DataTypes.BOOLEAN,
+        allowNull: false,
+        defaultValue: false,
+        comment: "Business sellers only",
       },
       bank_verified: {
         type: DataTypes.BOOLEAN,

package/models/WalletTransaction.js

@@ -58,6 +58,16 @@ module.exports = (sequelize) => {
         allowNull: false,
         defaultValue: "NGN",
       },
+      charged_amount: {
+        type: DataTypes.DECIMAL(15, 2),
+        allowNull: true,
+        comment:
+          "Gross amount charged at the gateway (amount + funding fee) - deposits only",
+      },
+      funding_fee: {
+        type: DataTypes.DECIMAL(15, 2),
+        allowNull: true,
+      },
       reference: {
         type: DataTypes.STRING(100),
         allowNull: false,

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ojamoto_models",
-  "version": "1.0.9",
+  "version": "1.0.11",
   "main": "index.js",
   "scripts": {
     "migrate:up": "npx sequelize-cli db:migrate",

package/services/constants.js

@@ -32,6 +32,8 @@ module.exports = {
   SELLER_BADGE: {
     TOP_RATED: "TOP_RATED",
     TRUSTED_SELLER: "TRUSTED_SELLER",
+    VERIFIED_SELLER: "VERIFIED_SELLER",
+    PREMIUM_SELLER: "PREMIUM_SELLER",
   },
 
   // - addresses.label ───────────────────────────────────────────────────────────
@@ -76,6 +78,27 @@ module.exports = {
     SUSPENDED: "SUSPENDED",
   },
 
+  // Wallet funding fee - passed on to the user at top-up time 0.8%
+  FUNDING_FEE_PERCENTAGE: 0.008,
+
+  // - seller_profiles.tier ─────────────────────────────────────────────────
+  SELLER_TIER: {
+    TIER_1: "TIER_1",
+    TIER_2: "TIER_2",
+    TIER_3: "TIER_3",
+  },
+
+  SELLER_TIER_CONFIG: {
+    TIER_1: { fee_percentage: 0.05, listing_limit: 10, requires_kyc: false },
+    TIER_2: { fee_percentage: 0.045, listing_limit: 100, requires_kyc: true },
+    TIER_3: { fee_percentage: 0.04, listing_limit: null, requires_kyc: true },
+  },
+
+  PIN_LOCK: {
+    MAX_ATTEMPTS_BEFORE_LOCK: 3,
+    LOCK_DURATION_HOURS: 24,
+  },
+
   // - products.condition ───────────────────────────────────────────────────
   PRODUCT_CONDITION: {
     NEW: "NEW",