Onboarding & KYC

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interface OnboardUserInput {
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  platformUserId: string;
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  email: string;
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  firstName: string;
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  lastName: string;
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  birthDate?: string;
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  country?: string;        // ISO 3166-1 alpha-2
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  companyName?: string;     // Business onboarding
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  companyRegistrationNumber?: string;
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}
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// Usage
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const result = await baas.onboardUser({
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  platformUserId: 'usr_abc123',
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  email: 'user@example.com',
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  firstName: 'Marie',
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  lastName: 'Dupont',
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  birthDate: '1990-05-15',
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  country: 'FR',
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});
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// result.onboardingUrl -> redirect user here

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interface OnboardUserResult {
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  onboardingUrl: string;      // URL hosted onboarding (Swan/Treezor)
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  providerUserId: string;     // ID utilisateur chez le BaaS provider
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  status: 'PENDING' | 'IN_PROGRESS' | 'APPROVED' | 'REJECTED';
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  expiresAt?: string;         // Expiration de l'URL d'onboarding
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}

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import { swanClient } from './client';
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export async function initiateSwanOnboarding(input: OnboardUserInput) {
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  const mutation = `
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    mutation OnboardIndividualAccountHolder($input: OnboardIndividualAccountHolderInput!) {
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      onboardIndividualAccountHolder(input: $input) {
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        ... on OnboardIndividualAccountHolderSuccessPayload {
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          onboarding {
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            id
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            onboardingUrl
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            statusInfo {
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              status
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            }
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          }
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        }
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        ... on ValidationRejection {
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          message
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          fields { path message }
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        }
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      }
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    }
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  `;
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  const variables = {
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    input: {
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      email: input.email,
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      language: 'fr',
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      redirectUrl: `${process.env.APP_URL}/banking/onboarding/callback`,
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      accountName: `${input.firstName} ${input.lastName}`,
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      accountCountry: input.country || 'FRA',
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    },
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  };
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  const result = await swanClient.request(mutation, variables);
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  return {
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    onboardingUrl: result.onboarding.onboardingUrl,
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    providerUserId: result.onboarding.id,
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    status: 'PENDING' as const,
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  };
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}

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import { useState } from 'react';
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import { View, Text, ActivityIndicator } from 'react-native';
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import { openBrowserAsync } from '@swan-io/react-native-browser';
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import { useAuth } from '@/src/hooks/useAuth';
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import { api } from '@/src/services/api';
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export default function BankingOnboardingScreen() {
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  const { token } = useAuth();
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  const [loading, setLoading] = useState(false);
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  const [status, setStatus] = useState<string | null>(null);
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  const startOnboarding = async () => {
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    setLoading(true);
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    try {
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      const { data } = await api.post('/wallet/onboarding', {
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        kycLevel: 2,
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      });
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      if (data.onboardingUrl) {
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        await openBrowserAsync(data.onboardingUrl, {
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          dismissButtonStyle: 'close',
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          onClose: () => refreshOnboardingStatus(),
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        });
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      }
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    } catch (error) {
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      console.error('Onboarding failed:', error);
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    } finally {
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      setLoading(false);
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    }
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  };
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  const refreshOnboardingStatus = async () => {
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    const { data } = await api.get('/wallet/onboarding/status');
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    setStatus(data.status);
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  };
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  return (
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    <View style={{ flex: 1, padding: 16 }}>
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      <Text style={{ fontSize: 24, fontWeight: 'bold' }}>
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        Verification bancaire
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      </Text>
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      <Text style={{ marginTop: 8, color: '#666' }}>
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        Completez la verification pour activer votre compte IBAN.
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      </Text>
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      {/* Onboarding button and status display */}
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    </View>
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  );
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}

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// POST /api/v1/mobile/wallet/onboarding
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const response = await fetch('/api/v1/mobile/wallet/onboarding', {
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  method: 'POST',
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  headers: {
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    'Content-Type': 'application/json',
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    'Authorization': `Bearer ${token}`,
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  },
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  body: JSON.stringify({ kycLevel: 2 }),
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});
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const { onboardingUrl, status } = await response.json();
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// onboardingUrl: "https://identity.swan.io/onboarding/..."
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// status: "PENDING"

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// GET /api/v1/mobile/wallet/onboarding/status
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const response = await fetch('/api/v1/mobile/wallet/onboarding/status', {
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  headers: {
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    'Authorization': `Bearer ${token}`,
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  },
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});
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const { status, updatedAt, details } = await response.json();
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// status: "APPROVED" | "PENDING" | "IN_PROGRESS" | "REJECTED"
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// updatedAt: "2025-03-15T14:30:00Z"
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// details: { kycLevel1: "APPROVED", kycLevel2: "APPROVED" }

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export enum OnboardingErrorCode {
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  IDENTITY_VERIFICATION_FAILED = 'IDENTITY_VERIFICATION_FAILED',
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  DOCUMENT_EXPIRED = 'DOCUMENT_EXPIRED',
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  AML_SCREENING_FAILED = 'AML_SCREENING_FAILED',
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  PROVIDER_UNAVAILABLE = 'PROVIDER_UNAVAILABLE',
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  ONBOARDING_EXPIRED = 'ONBOARDING_EXPIRED',
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  DUPLICATE_ACCOUNT = 'DUPLICATE_ACCOUNT',
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}
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export function handleOnboardingError(code: OnboardingErrorCode): {
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  retryable: boolean;
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  userMessage: string;
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} {
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  switch (code) {
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    case OnboardingErrorCode.IDENTITY_VERIFICATION_FAILED:
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      return {
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        retryable: true,
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        userMessage: 'La verification a echoue. Veuillez re-soumettre vos documents.',
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      };
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    case OnboardingErrorCode.DOCUMENT_EXPIRED:
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      return {
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        retryable: true,
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        userMessage: 'Votre document est expire. Fournissez un document valide.',
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      };
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    case OnboardingErrorCode.AML_SCREENING_FAILED:
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      return {
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        retryable: false,
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        userMessage: 'Votre compte ne peut pas etre ouvert. Contactez le support.',
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      };
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    case OnboardingErrorCode.PROVIDER_UNAVAILABLE:
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      return {
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        retryable: true,
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        userMessage: 'Service temporairement indisponible. Reessayez plus tard.',
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      };
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    case OnboardingErrorCode.ONBOARDING_EXPIRED:
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      return {
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        retryable: true,
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        userMessage: 'Votre session a expire. Veuillez recommencer l\'onboarding.',
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      };
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    case OnboardingErrorCode.DUPLICATE_ACCOUNT:
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      return {
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        retryable: false,
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        userMessage: 'Un compte existe deja avec ces informations.',
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      };
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  }
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}