open-standards/openpay/crates/op-payouts/tests/fednow_payout.rs
Transaction Science 7ef14c2ea9 ingest wave B: 3 crates · op-payouts + smart-byte-nostr + eoc-streaming
OpenPay (1 crate, 2174 LOC, 14 tests)
  op-payouts          Multi-rail payout engine. Visa Direct, Mastercard Send,
                      ACH credits (NACHA), Fedwire + SWIFT MT103 + ISO 20022
                      pacs.008, SEPA SCT + SCT Inst (mod-97 IBAN), UK FPS,
                      FedNow, RTP, PayPal, Wise. Crypto: USDC/USDT on
                      ETH/Polygon/Base/Solana + BTC + Lightning with real
                      ERC-20 transfer(address,uint256) calldata. Offline-pure
                      drivers (emit wire payloads — operators transmit).

Smart Byte (1 crate, 2605 LOC, 38 tests)
  smart-byte-nostr    Nostr adapter. NIP-01 canonical event id + BIP-340
                      Schnorr sign/verify; from-scratch bech32 + NIP-19 TLV
                      (npub/nsec/note/nprofile/nevent/nrelay); NIP-04 legacy
                      AES-256-CBC DMs; NIP-44 v2 HKDF-SHA256→ChaCha20+HMAC
                      with bucketed padding; NIP-17 gift-wrap (kind 1059) +
                      seal (kind 13) + rumor (kind 14); NIP-05/11/13/26/65.
                      Relay client message vocabulary (REQ/EVENT/CLOSE/AUTH/
                      EOSE/OK/NOTICE/CLOSED) + in-memory router.

EOC (1 crate, 2024 LOC, 30 tests)
  eoc-streaming       Token-by-token + tool-call streaming primitives.
                      SSE framing (data: lines); Anthropic event mapper
                      (message_start/content_block_*/message_delta/stop/ping);
                      OpenAI delta mapper; Vercel AI SDK mapper. Bounded-channel
                      backpressure with watermarks; CancelToken propagation;
                      Last-Event-ID resumable streams; per-stream joule meter.

Co-Authored-By: Claude Opus 4.7 <[email protected]>
2026-05-24 13:39:09 -04:00

64 lines
2.1 KiB
Rust

//! Integration: FedNow payout shape + cap enforcement.
use op_core::{Currency, Money};
use op_payouts::fednow::{FedNowDriver, FEDNOW_MAX_AMOUNT_USD};
use op_payouts::{
Beneficiary, BeneficiaryAccount, Error, FundingSource, Payout, PayoutMethod, PayoutRequest,
PayoutStatus,
};
fn driver() -> FedNowDriver {
FedNowDriver {
sender_aba: "021000021".to_string(),
sender_account: "0000123456".to_string(),
sender_name: "Acme Inc".to_string(),
}
}
fn req(amount: Money) -> PayoutRequest {
PayoutRequest {
idempotency_key: "33333333-3333-4333-8333-333333333333".to_string(),
method: PayoutMethod::FedNow,
amount,
beneficiary: Beneficiary {
name: "John Doe".to_string(),
address: None,
account: BeneficiaryAccount::UsBank {
aba: "121000358".to_string(),
account: "9876543210".to_string(),
account_type: "CHECKING".to_string(),
},
kyc_ref: None,
},
funding: FundingSource::Prefunded {
account_ref: "fednow-settlement".to_string(),
},
memo: None,
}
}
#[test]
fn fednow_builds_pacs008_xml() {
let amount = Money::from_minor(2_500_00, Currency::USD); // $2,500
let res = driver().submit(&req(amount)).expect("offline build");
assert_eq!(res.status, PayoutStatus::PreparedOffline);
let xml = String::from_utf8(res.wire_payload.expect("payload")).expect("utf8");
assert!(xml.contains("<Cd>FDN</Cd>"));
assert!(xml.contains("Ccy=\"USD\""));
assert!(xml.contains("2500.00"));
assert!(xml.contains("<MmbId>121000358</MmbId>"));
}
#[test]
fn fednow_rejects_above_cap() {
let amount = Money::from_minor(FEDNOW_MAX_AMOUNT_USD + 1, Currency::USD);
let err = driver().submit(&req(amount)).unwrap_err();
assert!(matches!(err, Error::LimitViolation { rail: "fednow", .. }));
}
#[test]
fn fednow_rejects_non_usd() {
let amount = Money::from_minor(2_500_00, Currency::EUR);
let err = driver().submit(&req(amount)).unwrap_err();
assert!(matches!(err, Error::LimitViolation { rail: "fednow", .. }));
}