polaris-task-force/src/lib/banking/index.ts

import type { BankAccount, BankTransaction } from "@/payload-types";

export type BankAccountType = "treasury" | "faction" | "personal";

export type BankTransactionType =
  | "deposit"
  | "withdrawal"
  | "transfer"
  | "payment"
  | "fee"
  | "salary"
  | "adjustment";

export interface ApplyTransactionInput {
  type: BankTransactionType;
  fromAccountId?: number;
  toAccountId?: number;
  amount: number;
  fee?: number;
  memo?: string;
  actorId?: number;
}

type PayloadType = Awaited<ReturnType<typeof import("payload").getPayload>>;

async function getAccountOrThrow(payload: PayloadType, id: number): Promise<BankAccount> {
  const account = (await payload
    .findByID({ collection: "bank-accounts", id, depth: 0, overrideAccess: true })
    .catch(() => null)) as unknown as BankAccount | null;
  if (!account) throw new Error("Account not found.");
  return account;
}

export async function getMainCurrencyId(payload: PayloadType): Promise<number | null> {
  try {
    const gameRules = await payload.findGlobal({ slug: "game-rules", depth: 0 });
    const currency = gameRules.mainCurrency;
    if (typeof currency === "number") return currency;
    if (currency && typeof currency === "object" && "id" in currency) {
      return (currency.id as number) ?? null;
    }
    return null;
  } catch {
    return null;
  }
}

export async function getMainCurrencyName(payload: PayloadType): Promise<string | null> {
  const currencyId = await getMainCurrencyId(payload);
  if (!currencyId) return null;
  try {
    const resource = (await payload.findByID({
      collection: "resources",
      id: currencyId,
      depth: 0,
      overrideAccess: true,
    })) as unknown as { name?: string | null; codeName?: string | null } | null;
    if (!resource) return null;
    return resource.name || resource.codeName || null;
  } catch {
    return null;
  }
}

export async function createAccount(
  payload: PayloadType,
  input: {
    name: string;
    accountType: BankAccountType;
    ownerFactionId?: number;
    ownerUserId?: number;
  },
): Promise<BankAccount> {
  const { name, accountType, ownerFactionId, ownerUserId } = input;
  const currencyId = await getMainCurrencyId(payload);
  if (!currencyId) {
    throw new Error("No main currency is set in Game Rules.");
  }
  return (await payload.create({
    collection: "bank-accounts",
    data: {
      name,
      accountType,
      ownerFaction: ownerFactionId ?? null,
      ownerUser: ownerUserId ?? null,
      currency: currencyId,
      balance: 0,
      status: "open",
    },
    overrideAccess: true,
    depth: 0,
  })) as unknown as BankAccount;
}

export async function ensurePersonalAccount(
  payload: PayloadType,
  userId: number,
): Promise<BankAccount> {
  const existing = (await payload.find({
    collection: "bank-accounts",
    where: {
      and: [{ accountType: { equals: "personal" } }, { ownerUser: { equals: userId } }],
    },
    limit: 1,
    depth: 0,
    overrideAccess: true,
  })) as unknown as { docs: BankAccount[] };
  if (existing.docs.length > 0) return existing.docs[0];

  const user = (await payload
    .findByID({
      collection: "users",
      id: userId,
      depth: 0,
      overrideAccess: true,
    })
    .catch(() => null)) as unknown as { username?: string; displayName?: string } | null;
  const label = user?.displayName || user?.username || `User ${userId}`;

  return createAccount(payload, {
    name: `${label}'s Account`,
    accountType: "personal",
    ownerUserId: userId,
  });
}

export async function applyTransaction(
  payload: PayloadType,
  input: ApplyTransactionInput,
): Promise<BankTransaction> {
  const { type, fromAccountId, toAccountId, amount, fee = 0, memo, actorId } = input;

  if (!fromAccountId && !toAccountId) {
    throw new Error("A transaction must involve at least one account.");
  }
  if (amount <= 0) {
    throw new Error("Amount must be greater than zero.");
  }
  if (type === "transfer" && (!fromAccountId || !toAccountId)) {
    throw new Error("A transfer requires both a source and a destination account.");
  }

  const totalDebit = amount + fee;

  const fromAccount = fromAccountId ? await getAccountOrThrow(payload, fromAccountId) : null;
  const toAccount = toAccountId ? await getAccountOrThrow(payload, toAccountId) : null;

  for (const account of [fromAccount, toAccount]) {
    if (account && account.status === "closed") {
      throw new Error(`Account "${account.name}" is closed.`);
    }
    if (account && account.status === "frozen") {
      throw new Error(`Account "${account.name}" is frozen.`);
    }
  }

  if (fromAccount && (fromAccount.balance ?? 0) < totalDebit) {
    throw new Error(
      `Insufficient funds in "${fromAccount.name}". Available: ${(fromAccount.balance ?? 0).toLocaleString()}, needed: ${totalDebit.toLocaleString()}.`,
    );
  }

  const timestamp = new Date().toISOString();

  const transaction = (await payload.create({
    collection: "bank-transactions",
    data: {
      transactionNumber: "",
      type,
      fromAccount: fromAccountId ?? null,
      toAccount: toAccountId ?? null,
      amount,
      fee: fee ?? 0,
      memo: memo ?? null,
      actor: actorId ?? null,
      status: "completed",
      timestamp,
    },
    overrideAccess: true,
    depth: 0,
  })) as unknown as BankTransaction;

  const fromNewBalance = fromAccount ? (fromAccount.balance ?? 0) - totalDebit : 0;
  const toNewBalance = toAccount ? (toAccount.balance ?? 0) + amount : 0;

  const entries: {
    account: number;
    transaction: number;
    type: BankTransactionType;
    amount: number;
    balanceAfter: number;
    memo: string;
    timestamp: string;
  }[] = [];

  if (fromAccount) {
    entries.push({
      account: fromAccount.id,
      transaction: transaction.id,
      type,
      amount: -totalDebit,
      balanceAfter: fromNewBalance,
      memo: memo ?? `${type} — out`,
      timestamp,
    });
  }
  if (toAccount) {
    entries.push({
      account: toAccount.id,
      transaction: transaction.id,
      type,
      amount,
      balanceAfter: toNewBalance,
      memo: memo ?? `${type} — in`,
      timestamp,
    });
  }

  for (const entry of entries) {
    await payload.create({
      collection: "ledger-entries",
      data: entry,
      overrideAccess: true,
      depth: 0,
    });
  }

  if (fromAccount) {
    await payload.update({
      collection: "bank-accounts",
      id: fromAccount.id,
      data: { balance: fromNewBalance },
      overrideAccess: true,
    });
  }
  if (toAccount) {
    await payload.update({
      collection: "bank-accounts",
      id: toAccount.id,
      data: { balance: toNewBalance },
      overrideAccess: true,
    });
  }

  return transaction;
}