7ef14c2ea9
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]>
106 lines
4 KiB
Rust
106 lines
4 KiB
Rust
//! FedNow payout driver.
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//!
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//! FedNow accepts ISO 20022 `pacs.008.001.08` over FedLine. Per-payment
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//! cap is USD 1,000,000 as of June 2025. This driver is offline-pure;
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//! the operator's FedLine gateway transmits the XML.
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use uuid::Uuid;
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use crate::error::{Error, Result};
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use crate::payout::{
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BeneficiaryAccount, Payout, PayoutRequest, PayoutResult, PayoutStatus,
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};
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use crate::visa_direct::format_amount;
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/// FedNow per-payment cap as of June 2025 (USD).
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pub const FEDNOW_MAX_AMOUNT_USD: i64 = 1_000_000 * 100;
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/// FedNow driver.
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#[derive(Clone, Debug, Default)]
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pub struct FedNowDriver {
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/// Sender's 9-digit ABA RTN (must be a FedNow participant).
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pub sender_aba: String,
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/// Sender's account number.
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pub sender_account: String,
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/// Sender's name (FedNow caps at 140 chars).
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pub sender_name: String,
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}
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impl Payout for FedNowDriver {
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fn rail(&self) -> &'static str {
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"fednow"
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}
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fn submit(&self, req: &PayoutRequest) -> Result<PayoutResult> {
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if req.amount.currency != op_core::Currency::USD {
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return Err(Error::LimitViolation {
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rail: "fednow",
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detail: "FedNow is USD-only".to_string(),
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});
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}
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if !req.amount.is_positive() {
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return Err(Error::LimitViolation {
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rail: "fednow",
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detail: "amount must be positive".to_string(),
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});
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}
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if req.amount.minor_units > FEDNOW_MAX_AMOUNT_USD {
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return Err(Error::LimitViolation {
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rail: "fednow",
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detail: "FedNow per-payment cap is USD 1,000,000".to_string(),
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});
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}
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let (aba, account) = match &req.beneficiary.account {
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BeneficiaryAccount::UsBank { aba, account, .. } => (aba, account),
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_ => return Err(Error::UnsupportedMethod { rail: "fednow" }),
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};
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if aba.len() != 9 || !aba.chars().all(|c| c.is_ascii_digit()) {
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return Err(Error::InvalidBeneficiary {
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rail: "fednow",
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detail: "ABA must be 9 digits".to_string(),
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});
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}
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let amt = format_amount(req.amount);
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let xml = format!(
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"<?xml version=\"1.0\" encoding=\"UTF-8\"?>\
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<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\">\
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<FIToFICstmrCdtTrf><GrpHdr><MsgId>{msg}</MsgId><NbOfTxs>1</NbOfTxs>\
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<SttlmInf><SttlmMtd>CLRG</SttlmMtd><ClrSys><Cd>FDN</Cd></ClrSys></SttlmInf></GrpHdr>\
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<CdtTrfTxInf><PmtId><EndToEndId>{e2e}</EndToEndId><UETR>{uetr}</UETR></PmtId>\
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<IntrBkSttlmAmt Ccy=\"USD\">{amt}</IntrBkSttlmAmt>\
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<Dbtr><Nm>{dn}</Nm></Dbtr>\
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<DbtrAcct><Id><Othr><Id>{da}</Id></Othr></Id></DbtrAcct>\
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<DbtrAgt><FinInstnId><ClrSysMmbId><MmbId>{daba}</MmbId></ClrSysMmbId></FinInstnId></DbtrAgt>\
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<CdtrAgt><FinInstnId><ClrSysMmbId><MmbId>{caba}</MmbId></ClrSysMmbId></FinInstnId></CdtrAgt>\
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<Cdtr><Nm>{cn}</Nm></Cdtr>\
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<CdtrAcct><Id><Othr><Id>{ca}</Id></Othr></Id></CdtrAcct>\
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</CdtTrfTxInf></FIToFICstmrCdtTrf></Document>",
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msg = req.idempotency_key,
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e2e = req.idempotency_key,
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uetr = Uuid::new_v4(),
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dn = self.sender_name,
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da = self.sender_account,
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daba = self.sender_aba,
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caba = aba,
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cn = req.beneficiary.name,
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ca = account,
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);
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Ok(PayoutResult {
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idempotency_key: req.idempotency_key.clone(),
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payout_id: Uuid::now_v7().to_string(),
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status: PayoutStatus::PreparedOffline,
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raw_status: None,
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reason_code: None,
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reason_text: None,
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rail_txn_id: None,
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settled_amount: Some(req.amount),
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wire_payload: Some(xml.into_bytes()),
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})
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}
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fn status(&self, _payout_id: &str) -> Result<PayoutResult> {
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Err(Error::DriverValidation(
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"FedNow status arrives as pacs.002 from the FRB FedLine gateway".to_string(),
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))
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}
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}
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