Comptes & Virements SEPA

1
interface BaaSAccount {
2
  providerAccountId: string;
3
  platformUserId: string;
4
  status: 'PENDING' | 'ACTIVE' | 'SUSPENDED' | 'CLOSED';
5
  currency: string;     // ISO 4217
6
  iban?: string;        // FR76 3000 4028 ...
7
  bic?: string;         // SWNBFR22
8
  balanceCents: number; // 100 = 1.00 EUR
9
  createdAt: string;
10
}

1
const account = await baas.createAccount({
2
  platformUserId: 'usr_123',
3
  currency: 'EUR',
4
  country: 'FR',
5
  accountName: 'Compte principal',
6
  accountHolderId: 'swan_holder_abc', // From onboarding
7
});
8
// account.iban -> FR76 3000 4028 7900 0123 4567 890

1
const transfer = await baas.initiateTransfer({
2
  fromAccountId: 'acc_123',
3
  toIban: 'FR76 1234 5678 9012 3456 7890 123',
4
  beneficiaryName: 'Jean Dupont',
5
  amountCents: 15000, // 150.00 EUR
6
  label: 'Remboursement diner',
7
  mode: 'InstantWithFallback', // Recommended
8
  consentRedirectUrl: 'https://app.yanipay.com/consent/callback',
9
});
10
11
// transfer.id -> 'txn_abc123'
12
// transfer.status -> 'ConsentPending'
13
// transfer.consentUrl -> 'https://swan.io/consent/...'
14
// Redirect user to transfer.consentUrl for SCA approval

1
// Ordre permanent a montant fixe
2
const standingOrder = await baas.createStandingOrder({
3
  fromAccountId: 'acc_123',
4
  toIban: 'FR76 9876 5432 1098 7654 3210 987',
5
  beneficiaryName: 'Loyer SCI Dupont',
6
  amountCents: 85000, // 850.00 EUR
7
  label: 'Loyer mensuel',
8
  period: 'Monthly',
9
  method: 'Fixed',
10
  firstExecutionDate: '2025-02-01',
11
  lastExecutionDate: '2025-12-01', // Optional
12
  consentRedirectUrl: 'https://app.yanipay.com/consent/callback',
13
});
14
15
// Ordre permanent FullBalance (vider le compte)
16
const sweepOrder = await baas.createStandingOrder({
17
  fromAccountId: 'acc_456',
18
  toIban: 'FR76 1111 2222 3333 4444 5555 666',
19
  beneficiaryName: 'Compte epargne principal',
20
  label: 'Transfert epargne hebdo',
21
  period: 'Weekly',
22
  method: 'FullBalance', // Transfere la totalite du solde
23
  firstExecutionDate: '2025-01-06',
24
  consentRedirectUrl: 'https://app.yanipay.com/consent/callback',
25
});

1
// Ajouter un beneficiaire
2
const beneficiary = await baas.addBeneficiary({
3
  accountId: 'acc_123',
4
  name: 'Jean Dupont',
5
  iban: 'FR76 1234 5678 9012 3456 7890 123',
6
  label: 'Jean - Compte courant',
7
  consentRedirectUrl: 'https://app.yanipay.com/consent/callback',
8
});
9
// beneficiary.id -> 'ben_xyz789'
10
// beneficiary.status -> 'ConsentPending' | 'Enabled'
11
12
// Lister les beneficiaires
13
const beneficiaries = await baas.listBeneficiaries({
14
  accountId: 'acc_123',
15
});
16
// beneficiaries -> [{ id, name, iban, status, createdAt }, ...]
17
18
// Supprimer un beneficiaire
19
await baas.deleteBeneficiary({
20
  beneficiaryId: 'ben_xyz789',
21
});

1
// Creer un IBAN virtuel
2
const virtualIban = await baas.createVirtualIban({
3
  accountId: 'acc_123',
4
  label: 'Facture client #2024-001',
5
});
6
// virtualIban.iban -> 'FR76 3000 4028 7900 9999 8888 777'
7
// virtualIban.bic -> 'SWNBFR22'
8
// virtualIban.id -> 'viban_abc'
9
10
// Lister les IBAN virtuels
11
const virtualIbans = await baas.listVirtualIbans({
12
  accountId: 'acc_123',
13
});
14
15
// Supprimer un IBAN virtuel
16
await baas.deleteVirtualIban({
17
  virtualIbanId: 'viban_abc',
18
});

1
// Lister les releves disponibles
2
const statements = await baas.listStatements({
3
  accountId: 'acc_123',
4
  year: 2025,
5
});
6
// statements -> [
7
//   { id: 'stmt_jan', period: '2025-01', format: 'pdf', status: 'Available' },
8
//   { id: 'stmt_feb', period: '2025-02', format: 'pdf', status: 'Available' },
9
//   ...
10
// ]
11
12
// Telecharger un releve
13
const pdf = await baas.downloadStatement({
14
  statementId: 'stmt_jan',
15
  format: 'pdf', // 'pdf' | 'csv'
16
});
17
// pdf -> Buffer (contenu du fichier)
18
19
// Generer un releve personnalise
20
const customStatement = await baas.generateStatement({
21
  accountId: 'acc_123',
22
  startDate: '2025-01-15',
23
  endDate: '2025-02-15',
24
  format: 'csv',
25
});