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1 //! Multi-Currency Payment Processing Engine
2 //!
3 //! Handles payouts in multiple currencies for ZephyrFS volunteers
4
5 use anyhow::Result;
6 use serde::{Deserialize, Serialize};
7 use std::collections::{HashMap, VecDeque};
8 use chrono::{DateTime, Utc, Duration};
9
10 /// Multi-currency payment processor
11 #[derive(Debug, Clone, Serialize, Deserialize)]
12 pub struct PaymentProcessor {
13 /// Supported payment methods
14 pub payment_methods: HashMap<PaymentMethod, PaymentMethodConfig>,
15 /// Exchange rates for currency conversion
16 pub exchange_rates: HashMap<Currency, f64>,
17 /// Payment processing fees
18 pub fee_structure: PaymentFeeStructure,
19 /// Pending payments queue
20 pub pending_payments: VecDeque<PaymentRequest>,
21 /// Payment history
22 pub payment_history: HashMap<String, Vec<PaymentRecord>>,
23 /// Minimum payout thresholds
24 pub min_payout_thresholds: HashMap<Currency, u64>,
25 /// Processor configuration
26 pub config: ProcessorConfig,
27 }
28
29 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
30 pub enum PaymentMethod {
31 Cryptocurrency(CryptoNetwork),
32 BankTransfer(BankTransferType),
33 DigitalWallet(WalletProvider),
34 StableCoin(StableCoinType),
35 }
36
37 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
38 pub enum CryptoNetwork {
39 Bitcoin,
40 Ethereum,
41 Polygon,
42 BinanceSmartChain,
43 Solana,
44 Cardano,
45 ZephyrCoin, // Native token
46 }
47
48 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
49 pub enum BankTransferType {
50 ACH, // US
51 SEPA, // Europe
52 FasterPayments, // UK
53 Interac, // Canada
54 PIX, // Brazil
55 UPI, // India
56 }
57
58 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
59 pub enum WalletProvider {
60 PayPal,
61 Wise,
62 Revolut,
63 CashApp,
64 Venmo,
65 Zelle,
66 }
67
68 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
69 pub enum StableCoinType {
70 USDC,
71 USDT,
72 DAI,
73 BUSD,
74 }
75
76 #[derive(Debug, Clone, Hash, Eq, PartialEq, Serialize, Deserialize)]
77 pub enum Currency {
78 USD,
79 EUR,
80 GBP,
81 CAD,
82 AUD,
83 BRL,
84 INR,
85 JPY,
86 ZephyrCoin,
87 Bitcoin,
88 Ethereum,
89 }
90
91 #[derive(Debug, Clone, Serialize, Deserialize)]
92 pub struct PaymentMethodConfig {
93 pub enabled: bool,
94 pub min_amount: u64,
95 pub max_amount: u64,
96 pub processing_time_hours: u32,
97 pub supported_currencies: Vec<Currency>,
98 pub geographic_restrictions: Vec<String>, // ISO country codes
99 pub requires_kyc: bool,
100 pub fee_structure: MethodFeeStructure,
101 }
102
103 #[derive(Debug, Clone, Serialize, Deserialize)]
104 pub struct MethodFeeStructure {
105 pub fixed_fee: u64, // Fixed fee in cents/wei
106 pub percentage_fee: f64, // Percentage fee (0.01 = 1%)
107 pub network_fee: u64, // Blockchain network fees
108 pub exchange_fee: f64, // Currency conversion fee
109 }
110
111 #[derive(Debug, Clone, Serialize, Deserialize)]
112 pub struct PaymentFeeStructure {
113 /// Base processing fee (0.5%)
114 pub base_processing_fee: f64,
115 /// Currency conversion fees
116 pub conversion_fees: HashMap<Currency, f64>,
117 /// Express processing fee (1%)
118 pub express_fee: f64,
119 /// KYC verification fee
120 pub kyc_fee: u64,
121 }
122
123 #[derive(Debug, Clone, Serialize, Deserialize)]
124 pub struct PaymentRequest {
125 pub request_id: String,
126 pub volunteer_id: String,
127 pub amount_tokens: u64,
128 pub target_currency: Currency,
129 pub payment_method: PaymentMethod,
130 pub recipient_info: RecipientInfo,
131 pub priority: PaymentPriority,
132 pub created_at: DateTime<Utc>,
133 pub scheduled_for: Option<DateTime<Utc>>,
134 pub metadata: HashMap<String, String>,
135 }
136
137 #[derive(Debug, Clone, Serialize, Deserialize)]
138 pub struct RecipientInfo {
139 pub wallet_address: Option<String>,
140 pub bank_account: Option<BankAccountInfo>,
141 pub digital_wallet: Option<DigitalWalletInfo>,
142 pub kyc_verified: bool,
143 pub tax_info: Option<TaxInfo>,
144 }
145
146 #[derive(Debug, Clone, Serialize, Deserialize)]
147 pub struct BankAccountInfo {
148 pub account_holder: String,
149 pub account_number: String,
150 pub routing_number: String,
151 pub bank_name: String,
152 pub swift_code: Option<String>,
153 pub iban: Option<String>,
154 pub country_code: String,
155 }
156
157 #[derive(Debug, Clone, Serialize, Deserialize)]
158 pub struct DigitalWalletInfo {
159 pub provider: WalletProvider,
160 pub wallet_id: String,
161 pub verified: bool,
162 }
163
164 #[derive(Debug, Clone, Serialize, Deserialize)]
165 pub struct TaxInfo {
166 pub tax_id: String,
167 pub tax_country: String,
168 pub tax_exempt: bool,
169 pub withholding_rate: f64,
170 }
171
172 #[derive(Debug, Clone, Serialize, Deserialize)]
173 pub enum PaymentPriority {
174 Standard,
175 Express,
176 Immediate,
177 }
178
179 #[derive(Debug, Clone, Serialize, Deserialize)]
180 pub struct PaymentRecord {
181 pub payment_id: String,
182 pub request_id: String,
183 pub volunteer_id: String,
184 pub amount_tokens: u64,
185 pub amount_paid: u64,
186 pub currency: Currency,
187 pub payment_method: PaymentMethod,
188 pub status: PaymentStatus,
189 pub fees_paid: u64,
190 pub exchange_rate: f64,
191 pub processed_at: DateTime<Utc>,
192 pub confirmation_hash: Option<String>,
193 pub error_message: Option<String>,
194 }
195
196 #[derive(Debug, Clone, Serialize, Deserialize)]
197 pub enum PaymentStatus {
198 Pending,
199 Processing,
200 Completed,
201 Failed,
202 Cancelled,
203 RequiresAction,
204 }
205
206 #[derive(Debug, Clone, Serialize, Deserialize)]
207 pub struct ProcessorConfig {
208 pub batch_processing_enabled: bool,
209 pub batch_size: usize,
210 pub processing_interval_minutes: u32,
211 pub max_retries: u32,
212 pub retry_delay_minutes: u32,
213 pub auto_currency_conversion: bool,
214 pub fraud_detection_enabled: bool,
215 }
216
217 impl Default for PaymentFeeStructure {
218 fn default() -> Self {
219 let mut conversion_fees = HashMap::new();
220 conversion_fees.insert(Currency::USD, 0.005);
221 conversion_fees.insert(Currency::EUR, 0.005);
222 conversion_fees.insert(Currency::GBP, 0.005);
223 conversion_fees.insert(Currency::Bitcoin, 0.01);
224 conversion_fees.insert(Currency::Ethereum, 0.008);
225 conversion_fees.insert(Currency::ZephyrCoin, 0.0);
226
227 Self {
228 base_processing_fee: 0.005, // 0.5%
229 conversion_fees,
230 express_fee: 0.01, // 1%
231 kyc_fee: 500, // $5 equivalent
232 }
233 }
234 }
235
236 impl Default for ProcessorConfig {
237 fn default() -> Self {
238 Self {
239 batch_processing_enabled: true,
240 batch_size: 100,
241 processing_interval_minutes: 30,
242 max_retries: 3,
243 retry_delay_minutes: 60,
244 auto_currency_conversion: true,
245 fraud_detection_enabled: true,
246 }
247 }
248 }
249
250 impl PaymentProcessor {
251 /// Create new payment processor
252 pub fn new() -> Self {
253 let mut processor = Self {
254 payment_methods: HashMap::new(),
255 exchange_rates: HashMap::new(),
256 fee_structure: PaymentFeeStructure::default(),
257 pending_payments: VecDeque::new(),
258 payment_history: HashMap::new(),
259 min_payout_thresholds: HashMap::new(),
260 config: ProcessorConfig::default(),
261 };
262
263 processor.initialize_payment_methods();
264 processor.initialize_exchange_rates();
265 processor.initialize_payout_thresholds();
266
267 processor
268 }
269
270 /// Initialize supported payment methods
271 fn initialize_payment_methods(&mut self) {
272 // Cryptocurrency methods
273 self.payment_methods.insert(
274 PaymentMethod::Cryptocurrency(CryptoNetwork::ZephyrCoin),
275 PaymentMethodConfig {
276 enabled: true,
277 min_amount: 1_000_000_000_000_000_000, // 1 ZEPH
278 max_amount: 1_000_000 * 1_000_000_000_000_000_000, // 1M ZEPH
279 processing_time_hours: 1,
280 supported_currencies: vec![Currency::ZephyrCoin],
281 geographic_restrictions: vec![],
282 requires_kyc: false,
283 fee_structure: MethodFeeStructure {
284 fixed_fee: 0,
285 percentage_fee: 0.0,
286 network_fee: 100_000_000_000_000, // 0.0001 ZEPH
287 exchange_fee: 0.0,
288 },
289 },
290 );
291
292 self.payment_methods.insert(
293 PaymentMethod::Cryptocurrency(CryptoNetwork::Ethereum),
294 PaymentMethodConfig {
295 enabled: true,
296 min_amount: 10_000_000_000_000_000, // 0.01 ETH
297 max_amount: 1000 * 1_000_000_000_000_000_000, // 1000 ETH
298 processing_time_hours: 1,
299 supported_currencies: vec![Currency::Ethereum, Currency::USD],
300 geographic_restrictions: vec![],
301 requires_kyc: false,
302 fee_structure: MethodFeeStructure {
303 fixed_fee: 0,
304 percentage_fee: 0.003,
305 network_fee: 5_000_000_000_000_000, // ~$10 gas fee
306 exchange_fee: 0.005,
307 },
308 },
309 );
310
311 // Bank transfer methods
312 self.payment_methods.insert(
313 PaymentMethod::BankTransfer(BankTransferType::ACH),
314 PaymentMethodConfig {
315 enabled: true,
316 min_amount: 1000, // $10
317 max_amount: 1_000_000_00, // $10,000
318 processing_time_hours: 48,
319 supported_currencies: vec![Currency::USD],
320 geographic_restrictions: vec!["US".to_string()],
321 requires_kyc: true,
322 fee_structure: MethodFeeStructure {
323 fixed_fee: 100, // $1
324 percentage_fee: 0.001,
325 network_fee: 0,
326 exchange_fee: 0.005,
327 },
328 },
329 );
330
331 self.payment_methods.insert(
332 PaymentMethod::BankTransfer(BankTransferType::SEPA),
333 PaymentMethodConfig {
334 enabled: true,
335 min_amount: 1000, // €10
336 max_amount: 1_000_000_00, // €10,000
337 processing_time_hours: 24,
338 supported_currencies: vec![Currency::EUR],
339 geographic_restrictions: vec!["EU".to_string()],
340 requires_kyc: true,
341 fee_structure: MethodFeeStructure {
342 fixed_fee: 50, // €0.50
343 percentage_fee: 0.001,
344 network_fee: 0,
345 exchange_fee: 0.005,
346 },
347 },
348 );
349
350 // Digital wallet methods
351 self.payment_methods.insert(
352 PaymentMethod::DigitalWallet(WalletProvider::PayPal),
353 PaymentMethodConfig {
354 enabled: true,
355 min_amount: 500, // $5
356 max_amount: 500_000_00, // $5,000
357 processing_time_hours: 2,
358 supported_currencies: vec![Currency::USD, Currency::EUR, Currency::GBP],
359 geographic_restrictions: vec![], // Global
360 requires_kyc: true,
361 fee_structure: MethodFeeStructure {
362 fixed_fee: 30, // $0.30
363 percentage_fee: 0.029, // 2.9%
364 network_fee: 0,
365 exchange_fee: 0.035, // 3.5% for currency conversion
366 },
367 },
368 );
369
370 // Stablecoin methods
371 self.payment_methods.insert(
372 PaymentMethod::StableCoin(StableCoinType::USDC),
373 PaymentMethodConfig {
374 enabled: true,
375 min_amount: 1_000_000, // 1 USDC
376 max_amount: 100_000 * 1_000_000, // 100k USDC
377 processing_time_hours: 1,
378 supported_currencies: vec![Currency::USD],
379 geographic_restrictions: vec![],
380 requires_kyc: false,
381 fee_structure: MethodFeeStructure {
382 fixed_fee: 0,
383 percentage_fee: 0.001,
384 network_fee: 2_000_000_000_000_000, // ~$2 gas fee
385 exchange_fee: 0.001,
386 },
387 },
388 );
389 }
390
391 /// Initialize exchange rates (would fetch from APIs in production)
392 fn initialize_exchange_rates(&mut self) {
393 self.exchange_rates.insert(Currency::ZephyrCoin, 0.10); // $0.10 per ZEPH
394 self.exchange_rates.insert(Currency::USD, 1.0);
395 self.exchange_rates.insert(Currency::EUR, 0.85);
396 self.exchange_rates.insert(Currency::GBP, 0.73);
397 self.exchange_rates.insert(Currency::Bitcoin, 45000.0);
398 self.exchange_rates.insert(Currency::Ethereum, 2500.0);
399 }
400
401 /// Initialize minimum payout thresholds
402 fn initialize_payout_thresholds(&mut self) {
403 self.min_payout_thresholds.insert(Currency::ZephyrCoin, 10 * 1_000_000_000_000_000_000); // 10 ZEPH
404 self.min_payout_thresholds.insert(Currency::USD, 1000); // $10
405 self.min_payout_thresholds.insert(Currency::EUR, 850); // €8.50
406 self.min_payout_thresholds.insert(Currency::Bitcoin, 22222); // ~$10 worth
407 self.min_payout_thresholds.insert(Currency::Ethereum, 400000); // ~$10 worth
408 }
409
410 /// Submit payment request
411 pub fn submit_payment_request(&mut self, mut request: PaymentRequest) -> Result<String> {
412 // Validate payment method
413 let method_config = self.payment_methods.get(&request.payment_method)
414 .ok_or_else(|| anyhow::anyhow!("Payment method not supported"))?;
415
416 if !method_config.enabled {
417 return Err(anyhow::anyhow!("Payment method temporarily disabled"));
418 }
419
420 // Convert amount to target currency
421 let amount_in_currency = self.convert_tokens_to_currency(
422 request.amount_tokens,
423 &request.target_currency,
424 )?;
425
426 // Check minimum threshold
427 if let Some(&min_threshold) = self.min_payout_thresholds.get(&request.target_currency) {
428 if amount_in_currency < min_threshold {
429 return Err(anyhow::anyhow!(
430 "Amount below minimum payout threshold: {} < {}",
431 amount_in_currency, min_threshold
432 ));
433 }
434 }
435
436 // Check method limits
437 if amount_in_currency < method_config.min_amount || amount_in_currency > method_config.max_amount {
438 return Err(anyhow::anyhow!(
439 "Amount outside payment method limits: {} not in [{}, {}]",
440 amount_in_currency, method_config.min_amount, method_config.max_amount
441 ));
442 }
443
444 // Validate recipient info
445 self.validate_recipient_info(&request.recipient_info, &request.payment_method)?;
446
447 // Generate request ID
448 request.request_id = format!("pay_{}_{}",
449 chrono::Utc::now().timestamp(),
450 &request.volunteer_id[..8]
451 );
452
453 self.pending_payments.push_back(request.clone());
454
455 tracing::info!("Payment request submitted: {} for {} tokens",
456 request.request_id, request.amount_tokens);
457
458 Ok(request.request_id)
459 }
460
461 /// Convert tokens to target currency
462 fn convert_tokens_to_currency(&self, tokens: u64, target_currency: &Currency) -> Result<u64> {
463 if *target_currency == Currency::ZephyrCoin {
464 return Ok(tokens);
465 }
466
467 let zeph_rate = self.exchange_rates.get(&Currency::ZephyrCoin)
468 .ok_or_else(|| anyhow::anyhow!("ZephyrCoin exchange rate not available"))?;
469
470 let target_rate = self.exchange_rates.get(target_currency)
471 .ok_or_else(|| anyhow::anyhow!("Target currency exchange rate not available"))?;
472
473 // Convert tokens to USD value, then to target currency
474 let usd_value = (tokens as f64 / 1_000_000_000_000_000_000.0) * zeph_rate;
475 let target_value = usd_value / target_rate;
476
477 // Convert to smallest units (cents, wei, etc.)
478 let target_amount = match target_currency {
479 Currency::USD | Currency::EUR | Currency::GBP => (target_value * 100.0) as u64,
480 Currency::Bitcoin => (target_value * 100_000_000.0) as u64, // Satoshis
481 Currency::Ethereum => (target_value * 1_000_000_000_000_000_000.0) as u64, // Wei
482 _ => (target_value * 1_000_000.0) as u64, // Default 6 decimals
483 };
484
485 Ok(target_amount)
486 }
487
488 /// Validate recipient information
489 fn validate_recipient_info(&self, info: &RecipientInfo, method: &PaymentMethod) -> Result<()> {
490 match method {
491 PaymentMethod::Cryptocurrency(_) => {
492 if info.wallet_address.is_none() {
493 return Err(anyhow::anyhow!("Wallet address required for crypto payments"));
494 }
495 },
496 PaymentMethod::BankTransfer(_) => {
497 if info.bank_account.is_none() {
498 return Err(anyhow::anyhow!("Bank account info required for bank transfers"));
499 }
500 if !info.kyc_verified {
501 return Err(anyhow::anyhow!("KYC verification required for bank transfers"));
502 }
503 },
504 PaymentMethod::DigitalWallet(_) => {
505 if info.digital_wallet.is_none() {
506 return Err(anyhow::anyhow!("Digital wallet info required"));
507 }
508 },
509 PaymentMethod::StableCoin(_) => {
510 if info.wallet_address.is_none() {
511 return Err(anyhow::anyhow!("Wallet address required for stablecoin payments"));
512 }
513 },
514 }
515
516 Ok(())
517 }
518
519 /// Process pending payments
520 pub async fn process_pending_payments(&mut self) -> Result<Vec<PaymentRecord>> {
521 let mut processed = Vec::new();
522 let batch_size = if self.config.batch_processing_enabled {
523 self.config.batch_size
524 } else {
525 1
526 };
527
528 for _ in 0..batch_size {
529 if let Some(request) = self.pending_payments.pop_front() {
530 // Check if scheduled for future
531 if let Some(scheduled_time) = request.scheduled_for {
532 if Utc::now() < scheduled_time {
533 // Put back in queue
534 self.pending_payments.push_front(request);
535 break;
536 }
537 }
538
539 match self.process_single_payment(request).await {
540 Ok(record) => {
541 processed.push(record.clone());
542
543 // Add to history
544 self.payment_history
545 .entry(record.volunteer_id.clone())
546 .or_insert_with(Vec::new)
547 .push(record);
548 },
549 Err(e) => {
550 tracing::error!("Payment processing failed: {}", e);
551 // Could implement retry logic here
552 }
553 }
554 } else {
555 break;
556 }
557 }
558
559 Ok(processed)
560 }
561
562 /// Process single payment
563 async fn process_single_payment(&self, request: PaymentRequest) -> Result<PaymentRecord> {
564 let payment_id = format!("tx_{}_{}",
565 chrono::Utc::now().timestamp_millis(),
566 &request.volunteer_id[..6]
567 );
568
569 // Calculate fees
570 let fees = self.calculate_payment_fees(&request)?;
571
572 // Convert amount
573 let amount_in_currency = self.convert_tokens_to_currency(
574 request.amount_tokens,
575 &request.target_currency,
576 )?;
577
578 let net_amount = amount_in_currency.saturating_sub(fees.total_fee);
579
580 // Execute payment based on method
581 let (status, confirmation_hash, error_message) = match request.payment_method {
582 PaymentMethod::Cryptocurrency(_) => {
583 self.execute_crypto_payment(&request, net_amount).await?
584 },
585 PaymentMethod::BankTransfer(_) => {
586 self.execute_bank_transfer(&request, net_amount).await?
587 },
588 PaymentMethod::DigitalWallet(_) => {
589 self.execute_wallet_payment(&request, net_amount).await?
590 },
591 PaymentMethod::StableCoin(_) => {
592 self.execute_stablecoin_payment(&request, net_amount).await?
593 },
594 };
595
596 let record = PaymentRecord {
597 payment_id,
598 request_id: request.request_id,
599 volunteer_id: request.volunteer_id,
600 amount_tokens: request.amount_tokens,
601 amount_paid: net_amount,
602 currency: request.target_currency,
603 payment_method: request.payment_method,
604 status,
605 fees_paid: fees.total_fee,
606 exchange_rate: self.get_exchange_rate(&Currency::ZephyrCoin, &request.target_currency)?,
607 processed_at: Utc::now(),
608 confirmation_hash,
609 error_message,
610 };
611
612 tracing::info!("Payment processed: {} - {} {:?}",
613 record.payment_id, record.amount_paid, record.currency);
614
615 Ok(record)
616 }
617
618 /// Calculate payment fees
619 fn calculate_payment_fees(&self, request: &PaymentRequest) -> Result<PaymentFees> {
620 let method_config = self.payment_methods.get(&request.payment_method)
621 .ok_or_else(|| anyhow::anyhow!("Payment method not found"))?;
622
623 let amount_in_currency = self.convert_tokens_to_currency(
624 request.amount_tokens,
625 &request.target_currency,
626 )?;
627
628 let base_fee = (amount_in_currency as f64 * self.fee_structure.base_processing_fee) as u64;
629 let method_percentage_fee = (amount_in_currency as f64 * method_config.fee_structure.percentage_fee) as u64;
630 let method_fixed_fee = method_config.fee_structure.fixed_fee;
631 let network_fee = method_config.fee_structure.network_fee;
632
633 let exchange_fee = if request.target_currency != Currency::ZephyrCoin {
634 let exchange_rate = method_config.fee_structure.exchange_fee;
635 (amount_in_currency as f64 * exchange_rate) as u64
636 } else {
637 0
638 };
639
640 let express_fee = if matches!(request.priority, PaymentPriority::Express | PaymentPriority::Immediate) {
641 (amount_in_currency as f64 * self.fee_structure.express_fee) as u64
642 } else {
643 0
644 };
645
646 let total_fee = base_fee + method_percentage_fee + method_fixed_fee + network_fee + exchange_fee + express_fee;
647
648 Ok(PaymentFees {
649 base_fee,
650 method_percentage_fee,
651 method_fixed_fee,
652 network_fee,
653 exchange_fee,
654 express_fee,
655 total_fee,
656 })
657 }
658
659 /// Execute cryptocurrency payment
660 async fn execute_crypto_payment(
661 &self,
662 request: &PaymentRequest,
663 amount: u64,
664 ) -> Result<(PaymentStatus, Option<String>, Option<String>)> {
665 // Simulate crypto transaction
666 tokio::time::sleep(tokio::time::Duration::from_millis(100)).await;
667
668 let confirmation_hash = format!("0x{:x}", rand::random::<u64>());
669
670 Ok((PaymentStatus::Completed, Some(confirmation_hash), None))
671 }
672
673 /// Execute bank transfer
674 async fn execute_bank_transfer(
675 &self,
676 request: &PaymentRequest,
677 amount: u64,
678 ) -> Result<(PaymentStatus, Option<String>, Option<String>)> {
679 // Simulate bank transfer processing
680 tokio::time::sleep(tokio::time::Duration::from_millis(500)).await;
681
682 let reference = format!("TXN{}", chrono::Utc::now().timestamp());
683
684 Ok((PaymentStatus::Processing, Some(reference), None))
685 }
686
687 /// Execute digital wallet payment
688 async fn execute_wallet_payment(
689 &self,
690 request: &PaymentRequest,
691 amount: u64,
692 ) -> Result<(PaymentStatus, Option<String>, Option<String>)> {
693 // Simulate wallet payment
694 tokio::time::sleep(tokio::time::Duration::from_millis(200)).await;
695
696 let transaction_id = format!("WLT{}", chrono::Utc::now().timestamp());
697
698 Ok((PaymentStatus::Completed, Some(transaction_id), None))
699 }
700
701 /// Execute stablecoin payment
702 async fn execute_stablecoin_payment(
703 &self,
704 request: &PaymentRequest,
705 amount: u64,
706 ) -> Result<(PaymentStatus, Option<String>, Option<String>)> {
707 // Simulate stablecoin transfer
708 tokio::time::sleep(tokio::time::Duration::from_millis(150)).await;
709
710 let tx_hash = format!("0x{:x}", rand::random::<u64>());
711
712 Ok((PaymentStatus::Completed, Some(tx_hash), None))
713 }
714
715 /// Get exchange rate between currencies
716 fn get_exchange_rate(&self, from: &Currency, to: &Currency) -> Result<f64> {
717 if from == to {
718 return Ok(1.0);
719 }
720
721 let from_rate = self.exchange_rates.get(from)
722 .ok_or_else(|| anyhow::anyhow!("Exchange rate not found for {:?}", from))?;
723
724 let to_rate = self.exchange_rates.get(to)
725 .ok_or_else(|| anyhow::anyhow!("Exchange rate not found for {:?}", to))?;
726
727 Ok(from_rate / to_rate)
728 }
729
730 /// Get payment history for volunteer
731 pub fn get_payment_history(&self, volunteer_id: &str) -> Vec<&PaymentRecord> {
732 self.payment_history.get(volunteer_id)
733 .map(|records| records.iter().collect())
734 .unwrap_or_default()
735 }
736
737 /// Update exchange rates
738 pub fn update_exchange_rates(&mut self, rates: HashMap<Currency, f64>) {
739 for (currency, rate) in rates {
740 self.exchange_rates.insert(currency, rate);
741 }
742 }
743
744 /// Get supported payment methods for region
745 pub fn get_supported_methods(&self, country_code: &str) -> Vec<&PaymentMethod> {
746 self.payment_methods.iter()
747 .filter(|(_, config)| {
748 config.enabled &&
749 (config.geographic_restrictions.is_empty() ||
750 config.geographic_restrictions.contains(&country_code.to_string()))
751 })
752 .map(|(method, _)| method)
753 .collect()
754 }
755 }
756
757 #[derive(Debug, Clone, Serialize, Deserialize)]
758 struct PaymentFees {
759 pub base_fee: u64,
760 pub method_percentage_fee: u64,
761 pub method_fixed_fee: u64,
762 pub network_fee: u64,
763 pub exchange_fee: u64,
764 pub express_fee: u64,
765 pub total_fee: u64,
766 }
767
768 #[cfg(test)]
769 mod tests {
770 use super::*;
771
772 #[test]
773 fn test_payment_processor_creation() {
774 let processor = PaymentProcessor::new();
775 assert!(!processor.payment_methods.is_empty());
776 assert!(!processor.exchange_rates.is_empty());
777 }
778
779 #[tokio::test]
780 async fn test_payment_submission() {
781 let mut processor = PaymentProcessor::new();
782
783 let request = PaymentRequest {
784 request_id: String::new(),
785 volunteer_id: "test_volunteer".to_string(),
786 amount_tokens: 100 * 1_000_000_000_000_000_000, // 100 ZEPH
787 target_currency: Currency::USD,
788 payment_method: PaymentMethod::DigitalWallet(WalletProvider::PayPal),
789 recipient_info: RecipientInfo {
790 wallet_address: None,
791 bank_account: None,
792 digital_wallet: Some(DigitalWalletInfo {
793 provider: WalletProvider::PayPal,
794 wallet_id: "test@example.com".to_string(),
795 verified: true,
796 }),
797 kyc_verified: true,
798 tax_info: None,
799 },
800 priority: PaymentPriority::Standard,
801 created_at: Utc::now(),
802 scheduled_for: None,
803 metadata: HashMap::new(),
804 };
805
806 let request_id = processor.submit_payment_request(request).unwrap();
807 assert!(!request_id.is_empty());
808 assert_eq!(processor.pending_payments.len(), 1);
809 }
810
811 #[test]
812 fn test_currency_conversion() {
813 let processor = PaymentProcessor::new();
814 let tokens = 100 * 1_000_000_000_000_000_000; // 100 ZEPH
815
816 let usd_amount = processor.convert_tokens_to_currency(tokens, &Currency::USD).unwrap();
817 assert_eq!(usd_amount, 1000); // $10.00 (100 ZEPH * $0.10 * 100 cents)
818
819 let zeph_amount = processor.convert_tokens_to_currency(tokens, &Currency::ZephyrCoin).unwrap();
820 assert_eq!(zeph_amount, tokens); // Same amount in ZEPH
821 }
822 }