usertrust 1.3.0 → 1.5.0

package/dist/ledger/client.js

@@ -71,6 +71,11 @@ export class TrustTBClient {
                 }
             }));
         }, 30_000);
+        // Do not let the health-check timer keep the Node event loop alive. Without
+        // this, a process that forgets to call destroy() can never exit — and the
+        // beforeExit cleanup net (which only fires on an otherwise-empty loop) never
+        // runs. The timer still fires while the loop is busy.
+        this.healthCheckInterval.unref?.();
     }
     isConnectionError(err) {
         if (!(err instanceof Error))
@@ -248,6 +253,57 @@ export class TrustTBClient {
         }
         return accountId;
     }
+    /**
+     * Create a per-session budget wallet that TigerBeetle balance-enforces.
+     *
+     * The account carries `debits_must_not_exceed_credits` and is seeded with
+     * `seedCredits` usertokens via an ALLOCATION transfer from the treasury (the
+     * mint). Any pending debit against this wallet is atomically REJECTED by TB
+     * once cumulative (debits_pending + debits_posted) would exceed the seed —
+     * surfaced by createPendingTransfer as a {@link TBTransferError}.
+     *
+     * Returns a FRESH, non-deterministic account id (tbId()) every call, so
+     * re-initialising across processes never double-funds a shared deterministic
+     * account (which would inflate the enforced budget on every restart).
+     */
+    async createFundedBudgetWallet(seedCredits) {
+        const treasury = this.getTreasuryId(); // throws if treasury not initialized
+        const accountId = tbId();
+        const account = {
+            id: accountId,
+            debits_pending: 0n,
+            debits_posted: 0n,
+            credits_pending: 0n,
+            credits_posted: 0n,
+            user_data_128: 0n,
+            user_data_64: 0n,
+            user_data_32: 0,
+            reserved: 0,
+            ledger: LEDGER_USERTOKENS,
+            code: CODE_USER_WALLET,
+            flags: AccountFlags.debits_must_not_exceed_credits | AccountFlags.history,
+            timestamp: 0n,
+        };
+        const errors = await this.withReconnect(() => this.client.createAccounts([account]));
+        if (errors.length > 0) {
+            const err = errors[0];
+            if (!err)
+                throw new Error("Unknown account/transfer error");
+            throw new Error(`Failed to create budget wallet: ${CreateAccountError[err.result] ?? err.result}`);
+        }
+        // Fund from the treasury mint. The account id is fresh, so this seeding
+        // transfer runs exactly once per wallet.
+        const seed = Number.isFinite(seedCredits) && seedCredits > 0 ? Math.floor(seedCredits) : 0;
+        if (seed > 0) {
+            await this.immediateTransfer({
+                debitAccountId: treasury,
+                creditAccountId: accountId,
+                amount: seed,
+                code: XFER_ALLOCATION,
+            });
+        }
+        return accountId;
+    }
     setAccountMapping(userId, accountId) {
         this.accountMap.set(userId, accountId);
     }

package/dist/ledger/client.js.map

@@ -1 +1 @@
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package/dist/ledger/pricing.d.ts

@@ -5,6 +5,7 @@
  *
  * Canonical pricing source for supported LLM models.
  */
+import type { CostBasis, EndpointClass, RateSource, TrustConfig } from "../shared/types.js";
 export interface ModelRates {
     inputPer1k: number;
     outputPer1k: number;
@@ -25,11 +26,64 @@ export declare function modelsForProvider(provider: string): string[];
  * then FALLBACK_RATE for unknown models.
  */
 export declare function getModelRates(model: string, customRates?: Record<string, ModelRates>): ModelRates;
+/**
+ * Emit the once-per-process cloud-scope "unknown model" warning for
+ * unknownModelPolicy "warn". Shared by trust() and createGovernor() so both
+ * governance paths log identical text and share a single dedup set. Idempotent
+ * per model string; the receipt's meter.rateSource "fallback" marker is set by
+ * the caller independently of this dedup.
+ */
+export declare function warnUnknownModel(model: string): void;
+/**
+ * Compute usertoken cost from explicit rates.
+ * Applies the same non-finite/negative clamp and >=1 floor as estimateCost —
+ * the floor is per-call and load-bearing (zero-amount ledger transfers are
+ * invalid; it is what makes a {0,0}-rate local call settle at exactly 1
+ * nominal usertoken).
+ */
+export declare function costFromRates(rates: ModelRates, inputTokens: number, outputTokens: number): number;
 /**
  * Estimate cost in usertokens for a model call.
  * Returns at least 1 (floor to prevent zero-amount transfers).
  */
 export declare function estimateCost(model: string, inputTokens: number, outputTokens: number, customRates?: Record<string, ModelRates>): number;
+/** A matched model-pattern entry: the pattern key that won and its value. */
+export interface ModelPatternMatch<T> {
+    pattern: string;
+    value: T;
+}
+/**
+ * Match a model string against a record keyed by exact models or TRAILING-star
+ * globs ("llama3.3*"; "*" matches everything). Exact match beats any glob;
+ * among globs the longest prefix wins. This is the model-pattern matcher (A2) —
+ * hostname patterns use a different leading-star syntax, implemented in detect.ts.
+ *
+ * Used by local.models, anomaly tokenRate.perModel.
+ */
+export declare function matchModelPattern<T>(model: string, patterns: Record<string, T>): ModelPatternMatch<T> | undefined;
+/** Result of scope-aware rate resolution. */
+export interface RateResolution {
+    rates: ModelRates;
+    scope: EndpointClass;
+    costBasis: CostBasis;
+    rateSource: RateSource;
+    /** true when cloud scope missed table+custom+prefix and fell back. */
+    unknown: boolean;
+}
+/**
+ * Resolve rates for a model within an endpoint scope. Never throws —
+ * unknownModelPolicy enforcement lives in the callers (govern/headless).
+ *
+ * Local scope: local.models exact match → longest trailing-* glob →
+ * local.defaultRate (rateSource "local-default"). NEVER FALLBACK_RATE, never
+ * the cloud table, never `unknown: true` (A5). costBasis is "usd-proxy" when
+ * local.rateClass is "amortized-usd", else "nominal".
+ *
+ * Cloud scope: delegates to the existing getModelRates(model, customRates)
+ * semantics, including the callers' pricing==="custom" gate on customRates;
+ * costBasis "usd-proxy"; unknown=true iff the result came from FALLBACK_RATE.
+ */
+export declare function resolveRates(model: string, scope: EndpointClass, config: TrustConfig): RateResolution;
 /**
  * Estimate input token count from a messages array.
  * Heuristic: ~4 chars/token with a 1.5x safety margin so the PENDING

package/dist/ledger/pricing.d.ts.map

@@ -1 +1 @@
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+{"version":3,"file":"pricing.d.ts","sourceRoot":"","sources":["../../src/ledger/pricing.ts"],"names":[],"mappings":"AAGA;;;;;;GAMG;AAEH,OAAO,KAAK,EAAE,SAAS,EAAE,aAAa,EAAE,UAAU,EAAE,WAAW,EAAE,MAAM,oBAAoB,CAAC;AAE5F,MAAM,WAAW,UAAU;IAC1B,UAAU,EAAE,MAAM,CAAC;IACnB,WAAW,EAAE,MAAM,CAAC;CACpB;AAED;;;GAGG;AACH,eAAO,MAAM,aAAa,EAAE,MAAM,CAAC,MAAM,EAAE,UAAU,CA0CpD,CAAC;AAEF,sFAAsF;AACtF,eAAO,MAAM,qBAAqB,eAAe,CAAC;AAKlD,+DAA+D;AAC/D,eAAO,MAAM,aAAa,EAAE,UAAiD,CAAC;AAiB9E,2EAA2E;AAC3E,wBAAgB,iBAAiB,CAAC,QAAQ,EAAE,MAAM,GAAG,MAAM,EAAE,CAO5D;AAED;;;GAGG;AACH,wBAAgB,aAAa,CAAC,KAAK,EAAE,MAAM,EAAE,WAAW,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,UAAU,CAAC,GAAG,UAAU,CAsBjG;AAKD;;;;;;GAMG;AACH,wBAAgB,gBAAgB,CAAC,KAAK,EAAE,MAAM,GAAG,IAAI,CAMpD;AAED;;;;;;GAMG;AACH,wBAAgB,aAAa,CAC5B,KAAK,EAAE,UAAU,EACjB,WAAW,EAAE,MAAM,EACnB,YAAY,EAAE,MAAM,GAClB,MAAM,CAUR;AAED;;;GAGG;AACH,wBAAgB,YAAY,CAC3B,KAAK,EAAE,MAAM,EACb,WAAW,EAAE,MAAM,EACnB,YAAY,EAAE,MAAM,EACpB,WAAW,CAAC,EAAE,MAAM,CAAC,MAAM,EAAE,UAAU,CAAC,GACtC,MAAM,CAER;AAID,6EAA6E;AAC7E,MAAM,WAAW,iBAAiB,CAAC,CAAC;IACnC,OAAO,EAAE,MAAM,CAAC;IAChB,KAAK,EAAE,CAAC,CAAC;CACT;AAED;;;;;;;GAOG;AACH,wBAAgB,iBAAiB,CAAC,CAAC,EAClC,KAAK,EAAE,MAAM,EACb,QAAQ,EAAE,MAAM,CAAC,MAAM,EAAE,CAAC,CAAC,GACzB,iBAAiB,CAAC,CAAC,CAAC,GAAG,SAAS,CAiBlC;AAED,6CAA6C;AAC7C,MAAM,WAAW,cAAc;IAC9B,KAAK,EAAE,UAAU,CAAC;IAClB,KAAK,EAAE,aAAa,CAAC;IACrB,SAAS,EAAE,SAAS,CAAC;IACrB,UAAU,EAAE,UAAU,CAAC;IACvB,sEAAsE;IACtE,OAAO,EAAE,OAAO,CAAC;CACjB;AAED;;;;;;;;;;;;GAYG;AACH,wBAAgB,YAAY,CAC3B,KAAK,EAAE,MAAM,EACb,KAAK,EAAE,aAAa,EACpB,MAAM,EAAE,WAAW,GACjB,cAAc,CAiDhB;AA6BD;;;;GAIG;AACH,wBAAgB,mBAAmB,CAAC,QAAQ,EAAE,OAAO,EAAE,GAAG,MAAM,CAqC/D"}

package/dist/ledger/pricing.js

@@ -59,6 +59,10 @@ const PROVIDER_MODEL_MAP = {
 };
 /** Return all PRICING_TABLE model keys that belong to a given provider. */
 export function modelsForProvider(provider) {
+    // Object.hasOwn guards against inherited Object.prototype keys: a provider
+    // name like "constructor" must resolve to nothing, not Object's constructor.
+    if (!Object.hasOwn(PROVIDER_MODEL_MAP, provider))
+        return [];
     const prefixes = PROVIDER_MODEL_MAP[provider];
     if (!prefixes)
         return [];
@@ -69,14 +73,21 @@ export function modelsForProvider(provider) {
  * then FALLBACK_RATE for unknown models.
  */
 export function getModelRates(model, customRates) {
-    if (customRates) {
+    // Object.hasOwn guards both direct lookups against inherited Object.prototype
+    // members: a model string like "constructor"/"__proto__"/"toString" would
+    // otherwise resolve to a Function/object, survive the truthiness check, and
+    // yield NaN cost (NaN then defeats the Math.max(1, ...) floor and poisons the
+    // ledger). Prefix matching below is already own-key-only (SORTED_TABLE).
+    if (customRates && Object.hasOwn(customRates, model)) {
         const custom = customRates[model];
         if (custom)
             return custom;
     }
-    const exact = PRICING_TABLE[model];
-    if (exact)
-        return exact;
+    if (Object.hasOwn(PRICING_TABLE, model)) {
+        const exact = PRICING_TABLE[model];
+        if (exact)
+            return exact;
+    }
     // Prefix match — longest key first prevents partial matches
     for (const [key, rates] of SORTED_TABLE) {
         if (model.startsWith(key))
@@ -84,15 +95,130 @@ export function getModelRates(model, customRates) {
     }
     return FALLBACK_RATE;
 }
+/** Models already warned about — unknownModelPolicy "warn" fires once per model per process. */
+const warnedUnknownModels = new Set();
+/**
+ * Emit the once-per-process cloud-scope "unknown model" warning for
+ * unknownModelPolicy "warn". Shared by trust() and createGovernor() so both
+ * governance paths log identical text and share a single dedup set. Idempotent
+ * per model string; the receipt's meter.rateSource "fallback" marker is set by
+ * the caller independently of this dedup.
+ */
+export function warnUnknownModel(model) {
+    if (warnedUnknownModels.has(model))
+        return;
+    warnedUnknownModels.add(model);
+    console.warn(`[usertrust] unknown model "${model}": metering at FALLBACK_RATE (sonnet-class); add it to customRates or set unknownModelPolicy`);
+}
+/**
+ * Compute usertoken cost from explicit rates.
+ * Applies the same non-finite/negative clamp and >=1 floor as estimateCost —
+ * the floor is per-call and load-bearing (zero-amount ledger transfers are
+ * invalid; it is what makes a {0,0}-rate local call settle at exactly 1
+ * nominal usertoken).
+ */
+export function costFromRates(rates, inputTokens, outputTokens) {
+    // Defend against non-finite/negative token counts (garbage `max_tokens`, or
+    // provider usage that reports a negative/NaN value): any count that is not a
+    // finite number >= 0 is treated as 0. A NaN would otherwise poison budget
+    // state permanently; a negative would collapse a real cost to the floor of 1.
+    const inTok = Number.isFinite(inputTokens) && inputTokens > 0 ? inputTokens : 0;
+    const outTok = Number.isFinite(outputTokens) && outputTokens > 0 ? outputTokens : 0;
+    const inputCost = (inTok / 1000) * rates.inputPer1k;
+    const outputCost = (outTok / 1000) * rates.outputPer1k;
+    return Math.max(1, Math.ceil(inputCost + outputCost));
+}
 /**
  * Estimate cost in usertokens for a model call.
  * Returns at least 1 (floor to prevent zero-amount transfers).
  */
 export function estimateCost(model, inputTokens, outputTokens, customRates) {
-    const rates = getModelRates(model, customRates);
-    const inputCost = (inputTokens / 1000) * rates.inputPer1k;
-    const outputCost = (outputTokens / 1000) * rates.outputPer1k;
-    return Math.max(1, Math.ceil(inputCost + outputCost));
+    return costFromRates(getModelRates(model, customRates), inputTokens, outputTokens);
+}
+/**
+ * Match a model string against a record keyed by exact models or TRAILING-star
+ * globs ("llama3.3*"; "*" matches everything). Exact match beats any glob;
+ * among globs the longest prefix wins. This is the model-pattern matcher (A2) —
+ * hostname patterns use a different leading-star syntax, implemented in detect.ts.
+ *
+ * Used by local.models, anomaly tokenRate.perModel.
+ */
+export function matchModelPattern(model, patterns) {
+    // Object.hasOwn guards against inherited Object.prototype keys
+    // (model "constructor" must not resolve to a Function).
+    if (Object.hasOwn(patterns, model)) {
+        return { pattern: model, value: patterns[model] };
+    }
+    let best;
+    let bestLen = -1;
+    for (const [pattern, value] of Object.entries(patterns)) {
+        if (!pattern.endsWith("*"))
+            continue;
+        const prefix = pattern.slice(0, -1);
+        if (model.startsWith(prefix) && prefix.length > bestLen) {
+            best = { pattern, value };
+            bestLen = prefix.length;
+        }
+    }
+    return best;
+}
+/**
+ * Resolve rates for a model within an endpoint scope. Never throws —
+ * unknownModelPolicy enforcement lives in the callers (govern/headless).
+ *
+ * Local scope: local.models exact match → longest trailing-* glob →
+ * local.defaultRate (rateSource "local-default"). NEVER FALLBACK_RATE, never
+ * the cloud table, never `unknown: true` (A5). costBasis is "usd-proxy" when
+ * local.rateClass is "amortized-usd", else "nominal".
+ *
+ * Cloud scope: delegates to the existing getModelRates(model, customRates)
+ * semantics, including the callers' pricing==="custom" gate on customRates;
+ * costBasis "usd-proxy"; unknown=true iff the result came from FALLBACK_RATE.
+ */
+export function resolveRates(model, scope, config) {
+    if (scope === "local") {
+        const costBasis = config.local.rateClass === "amortized-usd" ? "usd-proxy" : "nominal";
+        const match = matchModelPattern(model, config.local.models);
+        if (match !== undefined) {
+            return { rates: match.value, scope, costBasis, rateSource: "local-model", unknown: false };
+        }
+        return {
+            rates: config.local.defaultRate,
+            scope,
+            costBasis,
+            rateSource: "local-default",
+            unknown: false,
+        };
+    }
+    // Cloud scope — mirrors getModelRates(model, customRates) exactly, including
+    // the pricing==="custom" gate applied at the existing govern/headless call sites.
+    // Object.hasOwn guards both lookups so a model string like "constructor"/
+    // "__proto__" resolves to FALLBACK_RATE, never an inherited prototype member.
+    const customRates = config.pricing === "custom" ? config.customRates : undefined;
+    if (customRates && Object.hasOwn(customRates, model)) {
+        const custom = customRates[model];
+        if (custom) {
+            return { rates: custom, scope, costBasis: "usd-proxy", rateSource: "custom", unknown: false };
+        }
+    }
+    if (Object.hasOwn(PRICING_TABLE, model)) {
+        const exact = PRICING_TABLE[model];
+        if (exact) {
+            return { rates: exact, scope, costBasis: "usd-proxy", rateSource: "table", unknown: false };
+        }
+    }
+    for (const [key, rates] of SORTED_TABLE) {
+        if (model.startsWith(key)) {
+            return { rates, scope, costBasis: "usd-proxy", rateSource: "table", unknown: false };
+        }
+    }
+    return {
+        rates: FALLBACK_RATE,
+        scope,
+        costBasis: "usd-proxy",
+        rateSource: "fallback",
+        unknown: true,
+    };
 }
 /**
  * Estimate the block-level token count for a non-text content block.

package/dist/ledger/pricing.js.map

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package/dist/policy/default-rules.d.ts

@@ -2,12 +2,27 @@
  * Default Policy Rules
  *
  * Sensible defaults for financial governance:
- * 1. Block zero-budget calls (budget <= 0 → deny, hard)
- * 2. Warn on high-cost operations (estimated_cost > 1000 → warn, soft)
- * 3. Block if budget exceeded (budget_remaining < estimated_cost → deny, hard)
+ * 1. Block calls that would overshoot remaining budget PRE-spend
+ *    (budget_remaining_after < 0 → deny, hard). budget_remaining_after is the
+ *    derived field budget_remaining - estimated_cost, injected by the governor.
+ * 2. Block if budget already exhausted (budget_remaining <= 0 → deny, hard).
+ * 3. Warn on high-cost operations (estimated_cost > 1000 → warn, soft).
  */
 import type { GateRule } from "./gate.js";
 export declare const DEFAULT_RULES: GateRule[];
+/**
+ * Merge platform default rules with user-supplied rules.
+ *
+ * Contract: **defaults are ALWAYS enforced.** This is a safe concat —
+ * `[...defaults, ...userRules]` — so user policy can only ADD deny/warn rules on
+ * top of the platform guarantees; it can never remove or disable a default.
+ *
+ * There is deliberately NO id-based override or `enabled: false` escape hatch
+ * for defaults: a user rule that reuses a default's id is simply appended as an
+ * additional rule and the original default remains active. Priority still
+ * governs evaluation order inside {@link evaluatePolicy}.
+ */
+export declare function mergePolicies(defaults: GateRule[], userRules: GateRule[]): GateRule[];
 /**
  * Custom condition check for budget-exceeded rule.
  * The default rules use two `exists` conditions as a prerequisite;

package/dist/policy/default-rules.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"default-rules.d.ts","sourceRoot":"","sources":["../../src/policy/default-rules.ts"],"names":[],"mappings":"AAGA;;;;;;;GAOG;AAEH,OAAO,KAAK,EAAE,QAAQ,EAAE,MAAM,WAAW,CAAC;AAE1C,eAAO,MAAM,aAAa,EAAE,QAAQ,EAkCnC,CAAC;AAEF;;;;;;;;GAQG;AACH,wBAAgB,gBAAgB,CAAC,OAAO,EAAE,MAAM,CAAC,MAAM,EAAE,OAAO,CAAC,GAAG,OAAO,CAK1E"}
+{"version":3,"file":"default-rules.d.ts","sourceRoot":"","sources":["../../src/policy/default-rules.ts"],"names":[],"mappings":"AAGA;;;;;;;;;GASG;AAEH,OAAO,KAAK,EAAE,QAAQ,EAAE,MAAM,WAAW,CAAC;AAE1C,eAAO,MAAM,aAAa,EAAE,QAAQ,EAqCnC,CAAC;AAEF;;;;;;;;;;;GAWG;AACH,wBAAgB,aAAa,CAAC,QAAQ,EAAE,QAAQ,EAAE,EAAE,SAAS,EAAE,QAAQ,EAAE,GAAG,QAAQ,EAAE,CAErF;AAED;;;;;;;;GAQG;AACH,wBAAgB,gBAAgB,CAAC,OAAO,EAAE,MAAM,CAAC,MAAM,EAAE,OAAO,CAAC,GAAG,OAAO,CAK1E"}

package/dist/policy/default-rules.js

@@ -2,26 +2,18 @@
 // Copyright 2026 Usertools, Inc.
 export const DEFAULT_RULES = [
     {
-        id: "block-zero-budget",
-        name: "Block zero-budget calls",
-        description: "Deny any operation when the caller has zero or negative budget",
+        id: "block-budget-overshoot",
+        name: "Block calls that would exceed remaining budget",
+        description: "Deny pre-spend when estimated cost would drive remaining budget below zero",
         priority: 1,
         enabled: true,
         effect: "deny",
         enforcement: "hard",
         severity: "critical",
-        conditions: [{ field: "budget", operator: "lte", value: 0 }],
-    },
-    {
-        id: "warn-high-cost",
-        name: "Warn on high-cost operations",
-        description: "Emit a warning when estimated cost exceeds 1000 tokens",
-        priority: 50,
-        enabled: true,
-        effect: "warn",
-        enforcement: "soft",
-        severity: "medium",
-        conditions: [{ field: "estimated_cost", operator: "gt", value: 1000 }],
+        // budget_remaining_after = budget_remaining - estimated_cost (governor-supplied).
+        // As a hard rule this fails CLOSED: if the governor fails to supply the
+        // derived field, evaluation is indeterminate and the call is denied.
+        conditions: [{ field: "budget_remaining_after", operator: "lt", value: 0 }],
     },
     {
         id: "block-budget-exhausted",
@@ -34,7 +26,33 @@ export const DEFAULT_RULES = [
         severity: "high",
         conditions: [{ field: "budget_remaining", operator: "lte", value: 0 }],
     },
+    {
+        id: "warn-high-cost",
+        name: "Warn on high-cost operations",
+        description: "Emit a warning when estimated cost exceeds 1000 tokens",
+        priority: 50,
+        enabled: true,
+        effect: "warn",
+        enforcement: "soft",
+        severity: "medium",
+        conditions: [{ field: "estimated_cost", operator: "gt", value: 1000 }],
+    },
 ];
+/**
+ * Merge platform default rules with user-supplied rules.
+ *
+ * Contract: **defaults are ALWAYS enforced.** This is a safe concat —
+ * `[...defaults, ...userRules]` — so user policy can only ADD deny/warn rules on
+ * top of the platform guarantees; it can never remove or disable a default.
+ *
+ * There is deliberately NO id-based override or `enabled: false` escape hatch
+ * for defaults: a user rule that reuses a default's id is simply appended as an
+ * additional rule and the original default remains active. Priority still
+ * governs evaluation order inside {@link evaluatePolicy}.
+ */
+export function mergePolicies(defaults, userRules) {
+    return [...defaults, ...userRules];
+}
 /**
  * Custom condition check for budget-exceeded rule.
  * The default rules use two `exists` conditions as a prerequisite;

package/dist/policy/default-rules.js.map

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package/dist/policy/gate.d.ts.map

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