thunder-bridge 0.8.0 → 0.8.1

package/dist/index.cjs

@@ -30,19 +30,33 @@ __export(index_exports, {
   REQUEST_IN_FLIGHT: () => REQUEST_IN_FLIGHT,
   ThunderBridge: () => ThunderBridge,
   UnverifiedRecipientError: () => UnverifiedRecipientError,
+  bankTransfer: () => bankTransfer,
+  bankVerifyEndpoint: () => bankVerifyEndpoint,
+  bitstamp: () => bitstamp,
+  coinbase: () => coinbase,
+  coinmate: () => coinmate,
   decodeInvoice: () => decodeInvoice,
+  fioStatement: () => fioStatement,
   invoiceToDataUrl: () => invoiceToDataUrl,
   invoiceToSvg: () => invoiceToSvg,
+  isProblemType: () => isProblemType,
   isProvablyPaid: () => isProvablyPaid,
+  kraken: () => kraken,
   lnurlPayEndpoint: () => lnurlPayEndpoint,
   lnurlToDataUrl: () => lnurlToDataUrl,
   lnurlToSvg: () => lnurlToSvg,
+  medianOf: () => medianOf,
+  minorScaleOf: () => minorScaleOf,
+  minorUnitsOf: () => minorUnitsOf,
+  msatFor: () => msatFor,
   parseWebhook: () => parseWebhook,
   parseWebhookRequest: () => parseWebhookRequest,
   preimageMatchesHash: () => preimageMatchesHash,
   proveOrigin: () => proveOrigin,
   proveSettlement: () => proveSettlement,
   seal: () => seal,
+  spdToDataUrl: () => spdToDataUrl,
+  spdToSvg: () => spdToSvg,
   toLnurl: () => toLnurl,
   unseal: () => unseal,
   verifyWebhookSignature: () => verifyWebhookSignature
@@ -85,10 +99,15 @@ var ProblemError = class extends Error {
     this.detail = problem.detail ?? null;
   }
 };
-var NO_WALLET_AVAILABLE = "urn:problem-type:thunder-bridge-direct:no-wallet-available";
-var REQUEST_IN_FLIGHT = "urn:problem-type:thunder-bridge-direct:request-in-flight";
-var IDEMPOTENCY_KEY_REUSED = "urn:problem-type:thunder-bridge-direct:idempotency-key-reused";
-var PAYMENT_ALREADY_WATCHED = "urn:problem-type:thunder-bridge-direct:payment-already-watched";
+var NAMESPACE = "urn:problem-type:thunder-bridge:";
+var NAMESPACE_BEFORE_THE_RENAME = "urn:problem-type:thunder-bridge-direct:";
+function isProblemType(problem, type) {
+  return problem.type === type || problem.type === type.replace(NAMESPACE, NAMESPACE_BEFORE_THE_RENAME);
+}
+var NO_WALLET_AVAILABLE = "urn:problem-type:thunder-bridge:no-wallet-available";
+var REQUEST_IN_FLIGHT = "urn:problem-type:thunder-bridge:request-in-flight";
+var IDEMPOTENCY_KEY_REUSED = "urn:problem-type:thunder-bridge:idempotency-key-reused";
+var PAYMENT_ALREADY_WATCHED = "urn:problem-type:thunder-bridge:payment-already-watched";
 var IdempotencyConflictError = class extends ProblemError {
   conflict;
   constructor(problem, conflict) {
@@ -540,10 +559,10 @@ function quoteFromWire(body) {
   const minMsat = msatFrom(wire["min_amount"], 0);
   const maxMsat = msatFrom(wire["max_amount"], 0);
   const metadata = text(wire["metadata"]);
-  const refusals2 = refusalsFrom(wire["refusals"]);
+  const refusals3 = refusalsFrom(wire["refusals"]);
   if (lnAddress === null || amountMsat === null || feeMsat === null) return null;
-  if (minMsat === null || maxMsat === null || metadata === null || refusals2 === null) return null;
-  return { lnAddress, amountMsat, feeMsat, minMsat, maxMsat, metadata, refusals: refusals2 };
+  if (minMsat === null || maxMsat === null || metadata === null || refusals3 === null) return null;
+  return { lnAddress, amountMsat, feeMsat, minMsat, maxMsat, metadata, refusals: refusals3 };
 }
 function paymentFromWire(body) {
   const wire = asObject(body);
@@ -638,15 +657,15 @@ function msatFrom(value, least) {
 }
 function refusalsFrom(value) {
   if (!Array.isArray(value)) return null;
-  const refusals2 = [];
+  const refusals3 = [];
   for (const entry of value) {
     const failure = asObject(entry);
     const address = failure === null ? null : text(failure["address"]);
     const reason = failure?.["reason"];
     if (address === null || typeof reason !== "string" || !REASONS.has(reason)) return null;
-    refusals2.push({ address, reason });
+    refusals3.push({ address, reason });
   }
-  return refusals2;
+  return refusals3;
 }
 function secondsFrom(value) {
   if (typeof value !== "string") return null;
@@ -675,6 +694,14 @@ var ThunderBridge = class {
     this.verify = options?.verify ?? true;
     this.token = options?.token ?? null;
   }
+  /**
+   * Whether a token was given, which is what makes an instance yours: a gateway
+   * started with `GATEWAY_TOKEN` answers nobody else, so anything you hand it
+   * stays between you and it
+   */
+  get isPrivate() {
+    return this.token !== null;
+  }
   /**
    * Ask the gateway for an invoice payable to the first address on your list
    * that can issue a provable one, throws `NoWalletAvailableError` when none can
@@ -725,6 +752,26 @@ var ThunderBridge = class {
     if (!response.ok) throw await problemFrom(response);
     return this.checked(await paymentFrom(response));
   }
+  /**
+   * Read back a payment the gateway is only watching, null when it has never
+   * heard of it. A watched payment carries no address, amount or invoice, so
+   * `getPayment` refuses it and this reads the shape both rails share
+   */
+  async getWatched(id) {
+    const response = await fetch(`${this.baseUrl}/incoming-payments/${encodeURIComponent(id)}`, {
+      headers: this.reading()
+    });
+    if (response.status === 404) return null;
+    if (!response.ok) throw await problemFrom(response);
+    const watched = triggerEventFromWire(await response.json().catch(() => null));
+    if (watched === null) {
+      throw new ProblemError({
+        status: response.status,
+        title: "The gateway answered with something that is not a payment"
+      });
+    }
+    return this.proven(watched);
+  }
   /**
    * List what this gateway is watching, newest first. Only a gateway started
    * with `GATEWAY_TOKEN` serves this, because on a shared one it would hand
@@ -756,7 +803,36 @@ var ThunderBridge = class {
    * one that has answered is followed until its own expiry, so the wait always
    * ends by itself
    */
-  waitForPayment(id, options) {
+  async waitForPayment(id, options) {
+    const payment = paymentFromWire(await this.followed(id, options));
+    if (payment === null) {
+      throw new ProblemError({
+        status: 200,
+        title: `payment ${id} is watched rather than minted here, read it with waitForWatched`
+      });
+    }
+    return this.checked(payment);
+  }
+  /**
+   * Follow a payment the gateway is only watching, one it did not mint, until it
+   * is paid or expired.
+   *
+   * A watched payment carries no address, no amount and no invoice, because the
+   * gateway was told none of them, so it reads back as the shape a trigger
+   * streams rather than as a `Payment`. That is every bank transfer, and every
+   * Lightning invoice registered with `watchPayment` instead of `createPayment`.
+   */
+  async waitForWatched(id, options) {
+    const watched = triggerEventFromWire(await this.followed(id, options));
+    if (watched === null) {
+      throw new ProblemError({
+        status: 200,
+        title: "The gateway answered with something that is not a payment"
+      });
+    }
+    return this.proven(watched);
+  }
+  followed(id, options) {
     const base = this.baseUrl.replace(/^http/, "ws");
     const direct = `${base}/ws/incoming-payments/${encodeURIComponent(id)}`;
     return new Promise((resolve2, reject) => {
@@ -809,13 +885,13 @@ var ThunderBridge = class {
         socket = opened;
         opened.onmessage = (event) => {
           try {
-            const payment = paymentFromWire(JSON.parse(String(event.data)));
-            if (payment === null) return;
-            expiresAt = payment.expiresAt;
+            const frame = JSON.parse(String(event.data));
+            const watched = triggerEventFromWire(frame);
+            if (watched === null) return;
+            expiresAt = watched.expiresAt;
             attempt = 1;
-            if (!TERMINAL.has(payment.status)) return;
-            const checked = this.checked(payment);
-            settle(() => resolve2(checked));
+            if (!TERMINAL.has(watched.status)) return;
+            settle(() => resolve2(frame));
           } catch (refused) {
             settle(() => reject(refused));
           }
@@ -826,6 +902,49 @@ var ThunderBridge = class {
       void connect();
     });
   }
+  /**
+   * Wait on several payments and keep the first one that is really paid, then stop
+   * waiting on the losers, which closes their sockets.
+   *
+   * This is how one order offers two rails. A Lightning invoice and a bank
+   * transfer for the same thing are two payments here, and the payer picks one, so
+   * what you want is the one that arrives and nothing further from the other.
+   *
+   * A leg that expires is a loser, not a winner, which is the whole reason this is
+   * not a race: `waitForPayment` ends on `paid` and on `expired` alike, and a
+   * Lightning invoice expires in an hour while a bank transfer takes days. `null`
+   * means every leg ended without being paid.
+   *
+   * Stopping the wait is not revoking the invoice. Nobody can revoke one, because
+   * the recipient's own wallet minted it, so a payer who pays the loser afterwards
+   * really does pay twice and that shows up on `followTrigger` as a second
+   * settlement to refund.
+   */
+  async firstToSettle(ids, options) {
+    if (ids.length === 0) return null;
+    const stopLosers = new AbortController();
+    const signal = options?.signal ? AbortSignal.any([stopLosers.signal, options.signal]) : stopLosers.signal;
+    let refused = null;
+    try {
+      const winner = await new Promise((resolve2) => {
+        let waiting = ids.length;
+        const lost = () => {
+          waiting -= 1;
+          if (waiting === 0) resolve2(null);
+        };
+        for (const id of ids) {
+          this.waitForWatched(id, { ...options, signal }).then((watched) => watched.status === "paid" ? resolve2(watched) : lost()).catch((failure) => {
+            refused ??= failure;
+            lost();
+          });
+        }
+      });
+      if (winner === null && refused !== null) throw refused;
+      return winner;
+    } finally {
+      stopLosers.abort();
+    }
+  }
   /**
    * Hand over an invoice you obtained yourself so the gateway watches it without
    * being told the address or the amount. It can then only refuse everyone
@@ -950,13 +1069,13 @@ async function paymentFrom(response) {
 async function problemFrom(response) {
   const problem = await response.json().catch(() => ({}));
   const document = { ...problem, status: response.status };
-  if (problem.type === NO_WALLET_AVAILABLE) {
+  if (isProblemType(problem, NO_WALLET_AVAILABLE)) {
     return new NoWalletAvailableError(document, refusals(problem.wallets));
   }
-  if (problem.type === REQUEST_IN_FLIGHT) {
+  if (isProblemType(problem, REQUEST_IN_FLIGHT)) {
     return new IdempotencyConflictError(document, "request-in-flight");
   }
-  if (problem.type === IDEMPOTENCY_KEY_REUSED) {
+  if (isProblemType(problem, IDEMPOTENCY_KEY_REUSED)) {
     return new IdempotencyConflictError(document, "key-reused");
   }
   return new ProblemError(document);
@@ -973,7 +1092,7 @@ var VERSION = "v1";
 var IV_BYTES = 12;
 var MIN_SECRET_CHARS = 32;
 var MAX_PLAIN_BYTES = 3e3;
-var INFO = new TextEncoder().encode("thunder-bridge-direct/sealed");
+var INFO = new TextEncoder().encode("thunder-bridge/sealed");
 async function seal(secret, plaintext) {
   const body = new TextEncoder().encode(plaintext);
   if (body.length > MAX_PLAIN_BYTES) {
@@ -1095,18 +1214,18 @@ async function resolve(addresses, amountMsat) {
 }
 async function firstThatServes(addresses, attempt) {
   const deadline = AbortSignal.timeout(RESOLVE_TIMEOUT_MS);
-  const refusals2 = [];
+  const refusals3 = [];
   for (const address of addresses) {
     if (deadline.aborted) break;
     try {
-      return { won: await attempt(address, deadline), refusals: refusals2 };
+      return { won: await attempt(address, deadline), refusals: refusals3 };
     } catch (refusal) {
       if (!(refusal instanceof WalletRefused)) throw refusal;
       console.warn(`wallet ${address} refused, ${refusal.reason}: ${refusal.message}`);
-      refusals2.push({ address, reason: refusal.reason });
+      refusals3.push({ address, reason: refusal.reason });
     }
   }
-  throw new NoWalletAvailable(refusals2);
+  throw new NoWalletAvailable(refusals3);
 }
 async function probe(address, amountMsat, deadline) {
   const [user, domain] = splitAddress(address);
@@ -1331,7 +1450,7 @@ async function mintBlind(config, address, amountMsat) {
   return { bolt11: resolved.bolt11, verifyUrl: resolved.verifyUrl };
 }
 function alreadyWatched(refused) {
-  return refused instanceof ProblemError && refused.type === PAYMENT_ALREADY_WATCHED;
+  return refused instanceof ProblemError && isProblemType(refused, PAYMENT_ALREADY_WATCHED);
 }
 function sign(secret, address, amountMsat, nonce) {
   return hmacHex(secret, `${address}|${amountMsat}|${nonce}`);
@@ -1346,6 +1465,355 @@ function refuse(reason) {
   return Response.json({ status: "ERROR", reason });
 }
 
+// src/currency.ts
+var ISO_4217_MINOR_UNITS = {
+  BHD: 3,
+  BIF: 0,
+  CLP: 0,
+  CZK: 2,
+  DJF: 0,
+  EUR: 2,
+  GBP: 2,
+  ISK: 0,
+  IQD: 3,
+  JOD: 3,
+  JPY: 0,
+  KRW: 0,
+  KWD: 3,
+  LYD: 3,
+  OMR: 3,
+  PLN: 2,
+  PYG: 0,
+  RWF: 0,
+  TND: 3,
+  UGX: 0,
+  USD: 2,
+  VND: 0,
+  VUV: 0,
+  XAF: 0,
+  XOF: 0,
+  XPF: 0
+};
+function minorUnitsOf(currency) {
+  const digits = ISO_4217_MINOR_UNITS[currency.toUpperCase()];
+  if (digits === void 0) {
+    throw new Error(
+      `${currency.toUpperCase()} is not a currency this knows the ISO 4217 minor unit of`
+    );
+  }
+  return digits;
+}
+function minorScaleOf(currency) {
+  return 10 ** minorUnitsOf(currency);
+}
+
+// src/bank.ts
+var DEFAULT_CURRENCY = "CZK";
+var DEFAULT_LOOK_BACK_SECS = 7 * 24 * 60 * 60;
+var IBAN = /^[A-Z]{2}[0-9]{2}[0-9A-Z]{8,30}$/;
+var FORBIDDEN_IN_SPD = "*";
+async function bankTransfer(params) {
+  const currency = params.currency ?? DEFAULT_CURRENCY;
+  refuseUnusable(params, currency);
+  const spd = shortPaymentDescriptor(params, currency);
+  const subject = subjectOf(params.reference, params.amountMinor, currency);
+  const polling = new URL(params.verifyUrl);
+  polling.searchParams.set("ref", params.reference);
+  polling.searchParams.set("minor", String(params.amountMinor));
+  polling.searchParams.set("cc", currency);
+  polling.searchParams.set("sig", await hmacHex(params.secret, `verify|${subject}`));
+  const verifyUrl = polling.toString();
+  const watched = await params.gateway.watchPayment({
+    paymentHash: hashOf(await hmacHex(params.secret, `preimage|${subject}`)),
+    verifyUrl,
+    expiresAt: params.expiresAt,
+    trigger: params.trigger,
+    sealed: params.sealed
+  });
+  return { id: watched.id, paymentHash: watched.paymentHash, verifyUrl, spd };
+}
+function bankVerifyEndpoint(config) {
+  return async (request) => {
+    const asked = readQuery(new URL(request.url));
+    if (asked === null) return Response.json({ settled: false }, { status: 400 });
+    const subject = subjectOf(asked.reference, asked.amountMinor, asked.currency);
+    const expected = await hmacHex(config.secret, `verify|${subject}`);
+    if (!equalInConstantTime(asked.signature, expected)) {
+      return Response.json({ settled: false }, { status: 403 });
+    }
+    const since = unixNow() - (config.lookBackSecs ?? DEFAULT_LOOK_BACK_SECS);
+    const landed = (await config.statement(since)).some((credit) => pays(credit, asked));
+    if (!landed) return Response.json({ settled: false });
+    return Response.json({
+      settled: true,
+      preimage: await hmacHex(config.secret, `preimage|${subject}`)
+    });
+  };
+}
+function readQuery(url) {
+  const reference = url.searchParams.get("ref");
+  const minor = Number(url.searchParams.get("minor"));
+  const currency = url.searchParams.get("cc");
+  const signature = url.searchParams.get("sig");
+  if (!reference || !currency || !signature) return null;
+  if (!Number.isInteger(minor) || minor <= 0) return null;
+  return { reference, amountMinor: minor, currency, signature };
+}
+function pays(credit, asked) {
+  return credit.amountMinor === asked.amountMinor && credit.currency.toUpperCase() === asked.currency.toUpperCase() && credit.reference.toUpperCase().includes(asked.reference.toUpperCase());
+}
+function subjectOf(reference, amountMinor, currency) {
+  return `${reference}|${amountMinor}|${currency.toUpperCase()}`;
+}
+function hashOf(preimage) {
+  return bytesToHex(sha256(hexToBytes(preimage)));
+}
+function shortPaymentDescriptor(params, currency) {
+  const fields = [
+    `ACC:${params.iban}`,
+    `AM:${major(params.amountMinor, currency)}`,
+    `CC:${currency.toUpperCase()}`,
+    `MSG:${params.reference}`
+  ];
+  if (params.variableSymbol) fields.push(`X-VS:${params.variableSymbol}`);
+  return `SPD*1.0*${fields.join("*")}`;
+}
+function major(amountMinor, currency) {
+  return (amountMinor / minorScaleOf(currency)).toFixed(minorUnitsOf(currency));
+}
+function refuseUnusable(params, currency) {
+  if (!params.gateway.isPrivate && params.allowPublicGateway !== true) {
+    throw new Error(
+      "this gateway has no token, so it is not yours, and its operator would read the amount and the reference off every verify URL. Give it a token or say allowPublicGateway"
+    );
+  }
+  if (!IBAN.test(params.iban)) throw new Error(`${params.iban} is not an IBAN`);
+  if (!Number.isInteger(params.amountMinor) || params.amountMinor <= 0) {
+    throw new Error("amountMinor must be a whole number of minor units above zero");
+  }
+  if (params.reference.length === 0) {
+    throw new Error("a transfer with no reference cannot be found");
+  }
+  if (params.reference.includes(FORBIDDEN_IN_SPD)) {
+    throw new Error("a reference cannot contain an asterisk, it separates the QR fields");
+  }
+  if (params.variableSymbol && !/^[0-9]{1,10}$/.test(params.variableSymbol)) {
+    throw new Error("a variable symbol is up to ten digits");
+  }
+}
+function unixNow() {
+  return Math.floor(Date.now() / 1e3);
+}
+
+// src/fio.ts
+var BASE_URL = "https://fioapi.fio.cz/v1/rest";
+var MINOR_UNITS = 100;
+var MILLIS = 1e3;
+var DATE_CHARS = "2026-08-04".length;
+var DEFAULT_MIN_INTERVAL_SECS = 30;
+var TOO_SOON = 409;
+var BOOKED_AT = "column0";
+var AMOUNT = "column1";
+var CURRENCY = "column14";
+var VARIABLE_SYMBOL = "column5";
+var USER_IDENTIFICATION = "column7";
+var MESSAGE_FOR_RECIPIENT = "column16";
+var PAYER_REFERENCE = "column27";
+var WHERE_A_PAYER_WRITES = [
+  MESSAGE_FOR_RECIPIENT,
+  VARIABLE_SYMBOL,
+  USER_IDENTIFICATION,
+  PAYER_REFERENCE
+];
+function fioStatement(config) {
+  const named = typeof config.token === "string" ? [config.token] : config.token;
+  if (named.length === 0) throw new Error("fioStatement needs at least one token to read with");
+  const usedAt = new Map(named.map((token) => [token, Number.NEGATIVE_INFINITY]));
+  const tokenWindowMs = (config.minIntervalSecs ?? DEFAULT_MIN_INTERVAL_SECS) * MILLIS;
+  const paceMs = tokenWindowMs / usedAt.size;
+  let lastRead = Number.NEGATIVE_INFINITY;
+  let credits = [];
+  return async (sinceUnix) => {
+    const now = Date.now();
+    if (now - lastRead < paceMs) return credits;
+    const idlest = longestUnused(usedAt);
+    if (now - idlest.usedAt < tokenWindowMs) return credits;
+    usedAt.set(idlest.token, now);
+    lastRead = now;
+    const url = [
+      config.baseUrl ?? BASE_URL,
+      "periods",
+      idlest.token,
+      asDate(sinceUnix),
+      asDate(Math.floor(now / MILLIS)),
+      "transactions.json"
+    ].join("/");
+    const answer = await fetch(url, { headers: { accept: "application/json" } });
+    if (answer.status === TOO_SOON) {
+      throw new Error("fio refuses a second read of this token inside its 30 second window");
+    }
+    if (!answer.ok) throw new Error(`fio answered ${answer.status} reading the statement`);
+    const read = await answer.json();
+    credits = (read.accountStatement?.transactionList?.transaction ?? []).filter(isCredit).map(asCredit);
+    return credits;
+  };
+}
+function longestUnused(usedAt) {
+  let token = "";
+  let idleSince = Number.POSITIVE_INFINITY;
+  for (const [candidate, at] of usedAt) {
+    if (at < idleSince) {
+      token = candidate;
+      idleSince = at;
+    }
+  }
+  return { token, usedAt: idleSince };
+}
+function isCredit(transaction) {
+  return numberIn(transaction[AMOUNT]) > 0;
+}
+function asCredit(transaction) {
+  return {
+    amountMinor: Math.round(numberIn(transaction[AMOUNT]) * MINOR_UNITS),
+    currency: textIn(transaction[CURRENCY]),
+    reference: WHERE_A_PAYER_WRITES.map((column) => textIn(transaction[column])).filter((written) => written.length > 0).join(" "),
+    bookedAt: Math.floor(numberIn(transaction[BOOKED_AT]) / MILLIS)
+  };
+}
+function numberIn(cell) {
+  const value = Number(cell?.value ?? Number.NaN);
+  return Number.isFinite(value) ? value : 0;
+}
+function textIn(cell) {
+  const value = cell?.value;
+  return value === null || value === void 0 ? "" : String(value).trim();
+}
+function asDate(unix) {
+  return new Date(unix * MILLIS).toISOString().slice(0, DATE_CHARS);
+}
+
+// src/price.ts
+var MSAT_PER_BTC2 = 1e11;
+var BASIS_POINTS = 1e4;
+var DEFAULT_HOLD_SECS = 60;
+var DEFAULT_MIN_VENUES = 2;
+var DEFAULT_MAX_SPREAD_BPS = 200;
+var MILLIS2 = 1e3;
+function coinbase(baseUrl = "https://api.coinbase.com") {
+  return async (currency) => {
+    const asked = currency.toUpperCase();
+    const answer = await asJson(`${baseUrl}/v2/prices/BTC-${asked}/spot`, "coinbase");
+    const quoted = answer.data;
+    if (quoted?.currency !== asked) {
+      throw new Error(`coinbase quoted ${quoted?.currency} when asked for ${asked}`);
+    }
+    return asMinor(quoted.amount, "coinbase", asked);
+  };
+}
+function kraken(baseUrl = "https://api.kraken.com") {
+  return async (currency) => {
+    const asked = currency.toUpperCase();
+    const answer = await asJson(`${baseUrl}/0/public/Ticker?pair=XBT${asked}`, "kraken");
+    if (answer.error?.length) throw new Error(`kraken refused XBT${asked}: ${answer.error[0]}`);
+    const pairs = Object.values(answer.result ?? {});
+    if (pairs.length !== 1) {
+      throw new Error(`kraken answered ${pairs.length} pairs for XBT${asked}`);
+    }
+    return asMinor(pairs[0]?.c?.[0], "kraken", asked);
+  };
+}
+function bitstamp(baseUrl = "https://www.bitstamp.net") {
+  return async (currency) => {
+    const pair = `btc${currency.toLowerCase()}`;
+    const answer = await asJson(`${baseUrl}/api/v2/ticker/${pair}/`, "bitstamp");
+    if (Array.isArray(answer)) throw new Error(`bitstamp has no ${pair} pair`);
+    return asMinor(answer.last, "bitstamp", currency);
+  };
+}
+function coinmate(baseUrl = "https://coinmate.io") {
+  return async (currency) => {
+    const pair = `BTC_${currency.toUpperCase()}`;
+    const answer = await asJson(`${baseUrl}/api/ticker?currencyPair=${pair}`, "coinmate");
+    if (answer.error !== false) {
+      throw new Error(`coinmate refused ${pair}: ${answer.errorMessage ?? "no reason"}`);
+    }
+    return asMinor(answer.data?.last, "coinmate", currency);
+  };
+}
+function medianOf(tickers = [coinbase(), kraken(), bitstamp(), coinmate()], options = {}) {
+  const holdFor = (options.holdForSecs ?? DEFAULT_HOLD_SECS) * MILLIS2;
+  const minVenues = options.minVenues ?? DEFAULT_MIN_VENUES;
+  const maxSpread = options.maxSpreadBps ?? DEFAULT_MAX_SPREAD_BPS;
+  const held = /* @__PURE__ */ new Map();
+  return async (currency) => {
+    const asked = currency.toUpperCase();
+    const remembered = held.get(asked);
+    if (remembered && Date.now() - remembered.at < holdFor) return remembered.price;
+    const answers = await Promise.allSettled(tickers.map((ticker) => ticker(asked)));
+    const quoted = answers.filter((answer) => answer.status === "fulfilled").map((answer) => answer.value).sort((one, other) => one - other);
+    if (quoted.length < minVenues) {
+      throw new Error(
+        `${quoted.length} of ${tickers.length} venues quoted ${asked}, ${minVenues} wanted: ${refusals2(answers)}`
+      );
+    }
+    const spread = spreadBpsOf(quoted);
+    if (spread > maxSpread) {
+      throw new Error(
+        `venues disagree on ${asked} by ${Math.round(spread)} bps, more than the ${maxSpread} allowed: ${quoted.join(", ")}`
+      );
+    }
+    const price = middleOf(quoted);
+    held.set(asked, { at: Date.now(), price });
+    return price;
+  };
+}
+function msatFor(amountMinor, priceMinorPerBtc, options = {}) {
+  if (!Number.isInteger(amountMinor) || amountMinor <= 0) {
+    throw new Error("amountMinor must be a whole number of minor units above zero");
+  }
+  if (!Number.isFinite(priceMinorPerBtc) || priceMinorPerBtc <= 0) {
+    throw new Error(`${priceMinorPerBtc} is not a usable price`);
+  }
+  const spreadBps = options.spreadBps ?? 0;
+  if (!Number.isInteger(spreadBps) || spreadBps < 0) {
+    throw new Error("spreadBps must be a whole number of basis points, none or more");
+  }
+  const wanted = BigInt(amountMinor) * BigInt(MSAT_PER_BTC2) * BigInt(BASIS_POINTS + spreadBps);
+  const per = BigInt(Math.round(priceMinorPerBtc)) * BigInt(BASIS_POINTS);
+  const msat = (wanted + per - 1n) / per;
+  if (msat > BigInt(Number.MAX_SAFE_INTEGER)) {
+    throw new Error(`${amountMinor} at ${priceMinorPerBtc} is more millisatoshi than exist`);
+  }
+  return Number(msat);
+}
+async function asJson(url, venue) {
+  const answer = await fetch(url, { headers: { accept: "application/json" } });
+  if (!answer.ok) throw new Error(`${venue} answered ${answer.status}`);
+  return answer.json();
+}
+function asMinor(quoted, venue, currency) {
+  const major2 = Number(quoted);
+  if (!Number.isFinite(major2) || major2 <= 0) {
+    throw new Error(`${venue} quoted ${String(quoted)} for ${currency.toUpperCase()}`);
+  }
+  return Math.round(major2 * minorScaleOf(currency));
+}
+function spreadBpsOf(sorted) {
+  const lowest = sorted[0] ?? 0;
+  const highest = sorted[sorted.length - 1] ?? 0;
+  return lowest === 0 ? Number.POSITIVE_INFINITY : (highest - lowest) / lowest * BASIS_POINTS;
+}
+function middleOf(sorted) {
+  const middle = Math.floor(sorted.length / 2);
+  if (sorted.length % 2 === 1) return sorted[middle] ?? 0;
+  return Math.round(((sorted[middle - 1] ?? 0) + (sorted[middle] ?? 0)) / 2);
+}
+function refusals2(answers) {
+  return answers.filter((answer) => answer.status === "rejected").map(
+    (answer) => answer.reason instanceof Error ? answer.reason.message : String(answer.reason)
+  ).join("; ");
+}
+
 // src/qr.ts
 var import_uqr = require("uqr");
 var SAFE_COLOR = /^#(?:[0-9a-f]{3,4}|[0-9a-f]{6}|[0-9a-f]{8})$|^rgba?\([\d.,%/\s]+\)$|^[a-z]+$/i;
@@ -1365,6 +1833,12 @@ function lnurlToSvg(endpoint, options) {
 function lnurlToDataUrl(endpoint, options) {
   return asDataUrl(lnurlToSvg(endpoint, options));
 }
+function spdToSvg(spd, options) {
+  return svgOf(spd, options);
+}
+function spdToDataUrl(spd, options) {
+  return asDataUrl(spdToSvg(spd, options));
+}
 function svgOf(scanned, options) {
   const size = options?.size ?? 256;
   const color = options?.color ?? "#000";
@@ -1452,19 +1926,33 @@ function signed(timestamp, body) {
   REQUEST_IN_FLIGHT,
   ThunderBridge,
   UnverifiedRecipientError,
+  bankTransfer,
+  bankVerifyEndpoint,
+  bitstamp,
+  coinbase,
+  coinmate,
   decodeInvoice,
+  fioStatement,
   invoiceToDataUrl,
   invoiceToSvg,
+  isProblemType,
   isProvablyPaid,
+  kraken,
   lnurlPayEndpoint,
   lnurlToDataUrl,
   lnurlToSvg,
+  medianOf,
+  minorScaleOf,
+  minorUnitsOf,
+  msatFor,
   parseWebhook,
   parseWebhookRequest,
   preimageMatchesHash,
   proveOrigin,
   proveSettlement,
   seal,
+  spdToDataUrl,
+  spdToSvg,
   toLnurl,
   unseal,
   verifyWebhookSignature