Sync files with t-0-network/backend

sdk/src/t0_provider_sdk/proto/ivms101/v1/ivms/ivms101.proto

@@ -155,7 +155,7 @@ message LocalNaturalPersonNameId {
 
 // Constraint: ValidAddress
 // There must be at least one occurrence of the element addressLine or (streetName and
-// buildingName and/or buildingNumber).
+// buildingName and/or buildingNumber)
 message Address {
 
   // Definition: Identifies the nature of the address.
@@ -250,7 +250,7 @@ message Address {
       max_items: 7,
       items: {
         string: {
-          max_len: 70,
+          max_len: 255,
           pattern: "^$|^.*\\S.*$"  // allow empty, disallow whitespace-only
         }
       }
@@ -338,7 +338,10 @@ message LegalPerson {
   LegalPersonName name = 1 [(buf.validate.field).required = true];
 
   // Definition: The address of the legal person.
-  repeated Address geographic_addresses = 2 [json_name = "geographicAddress"];
+  repeated Address geographic_addresses = 2 [
+    json_name = "geographicAddress",
+    (buf.validate.field).repeated.min_items = 1
+  ];
 
   // Definition: The unique identification number applied by the VASP to customer.
   // NOTE The specification has a descrepency in that 5.2.9.3.3 specifies an element

sdk/src/t0_provider_sdk/proto/tzero/v1/common/payment_method.proto

@@ -11,7 +11,7 @@ enum PaymentMethodType {
   PAYMENT_METHOD_TYPE_SEPA = 10;
   PAYMENT_METHOD_TYPE_SWIFT = 20;
   PAYMENT_METHOD_TYPE_ACH = 50;
-  PAYMENT_METHOD_TYPE_WIRE = 60;
+  PAYMENT_METHOD_TYPE_DOMESTIC_WIRE = 60;
   PAYMENT_METHOD_TYPE_FPS = 70;
 
   PAYMENT_METHOD_TYPE_M_PESA = 80 [deprecated = true]; // deprecated in favor of PAYMENT_METHOD_TYPE_AFRICAN_MOBILE_MONEY
@@ -48,9 +48,9 @@ message PaymentDetails {
     // United States
     Ach ach = 50;
 
-    // Wire - Domestic electronic funds transfer
+    // DomesticWire - US domestic wire transfer
     // United States
-    Wire wire = 60;
+    DomesticWire domestic_wire = 60;
 
     // FPS (Faster Payments Service)
     // United Kingdom
@@ -408,8 +408,8 @@ message PaymentDetails {
     }
   }
 
-  message Wire {
-    option (payment_method_type) = PAYMENT_METHOD_TYPE_WIRE;
+  message DomesticWire {
+    option (payment_method_type) = PAYMENT_METHOD_TYPE_DOMESTIC_WIRE;
 
     string bank_name = 10 [(buf.validate.field).string = {
       min_len: 1,
@@ -421,10 +421,11 @@ message PaymentDetails {
       max_len: 140
     }];
 
-    string swift_code = 30 [(buf.validate.field).string = {
-      min_len: 8,
-      max_len: 11,
-      pattern: "^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$"
+    // ABA routing number (9 digits)
+    string routing_number = 30 [(buf.validate.field).string = {
+      min_len: 9,
+      max_len: 9,
+      pattern: "^[0-9]{9}$"
     }];
 
     string account_number = 40 [(buf.validate.field).string = {

sdk/src/t0_provider_sdk/proto/tzero/v1/payment/network.proto

@@ -15,7 +15,6 @@ import "buf/validate/validate.proto";
  * All methods of this service are idempotent, meaning they are safe to retry and multiple calls with the same parameters will have no additional effect.
  */
 service NetworkService {
-
   /**
     * Used by the provider to publish pay-in and pay-out quotes (FX rates) into the network.
     * These quotes include tiered pricing bands and an expiration timestamp.

sdk/src/t0_provider_sdk/proto/tzero/v1/payment/provider.proto

@@ -129,6 +129,8 @@ message AppendLedgerEntriesRequest {
     ACCOUNT_TYPE_FEE_EXPENSE = 60; // Reflects the fees that the provider has to pay for the services provided by the network.
     ACCOUNT_TYPE_SETTLEMENT_IN = 80;
     ACCOUNT_TYPE_SETTLEMENT_OUT = 90;
+    ACCOUNT_TYPE_PAYMENT_INTENT_IN = 100;
+    ACCOUNT_TYPE_PAYMENT_INTENT_OUT = 110;
   }
 }
 
@@ -272,6 +274,7 @@ message UpdatePaymentRequest {
       REASON_NO_QUOTE_AFTER_AML_APPROVAL = 1; // AML review completed, but the pay-out provider no longer has a valid quote available.
       REASON_QUOTE_REJECTED_AFTER_AML_APPROVAL = 2; // AML review completed and a new quote was required, but the pay-in provider rejected the updated quote (e.g. due to rate change after AML delay).
       REASON_AML_RISK_CHECK_FAILED = 3; // Payment was rejected by the pay-out provider because the AML / risk checks failed.
+      REASON_CREDIT_LIMIT_EXCEEDED_AFTER_AML_APPROVAL = 4; // AML review completed and a new quote was found, but the updated settlement amount exceeds the credit limit between the pay-in and pay-out providers.
     }
   }
 

sdk/src/t0_provider_sdk/proto/tzero/v1/payment_intent/beneficiary.proto

@@ -0,0 +1,95 @@
+syntax = "proto3";
+
+package tzero.v1.payment_intent;
+
+import "tzero/v1/common/common.proto";
+import "tzero/v1/common/payment_method.proto";
+import "buf/validate/validate.proto";
+
+/**
+ * BeneficiaryService must be implemented by beneficiary providers to receive
+ * notifications about payment intent status changes.
+ *
+ * Beneficiary providers are those who:
+ * - Create payment intents via CreatePaymentIntent
+ * - Receive settlement (in settlement currency via configured blockchain network)
+ * - Need to be notified of payment status changes
+ *
+ * The network calls this service to notify the beneficiary when:
+ * - Funds have been received from the payer by pay-in provider
+ */
+service BeneficiaryService {
+  /**
+   * PaymentIntentUpdate notifies the beneficiary provider of status changes.
+   *
+   * Idempotency: This endpoint must be idempotent. The network may retry
+   * delivery in case of failures or timeouts.
+   */
+  rpc PaymentIntentUpdate(PaymentIntentUpdateRequest) returns (PaymentIntentUpdateResponse) {
+    option idempotency_level = IDEMPOTENT;
+  };
+}
+
+/**
+ * Notification of a payment intent status change.
+ */
+message PaymentIntentUpdateRequest {
+  /**
+   * The payment intent ID this update relates to.
+   * Matches the ID returned in CreatePaymentIntentResponse.
+   */
+  uint64 payment_intent_id = 10 [(buf.validate.field).uint64.gt = 0];
+
+  /**
+   * The type of update.
+   */
+  oneof update {
+    /**
+     * Funds were received from the payer by pay-in provider.
+     */
+    FundsReceived funds_received = 20;
+  }
+
+  /**
+   * Notification that funds were received from the payer by pay-in provider.
+   *
+   */
+  message FundsReceived {
+    /**
+     * The settlement amount credited to your balance.
+     * This is calculated as: source_amount / rate
+     *
+     * Note: Fees are NOT deducted from this amount. Fees are tracked
+     * separately and settled in periodic fee settlements.
+     */
+    tzero.v1.common.Decimal settlement_amount = 10;
+
+    /**
+     * The exchange rate used for settlement.
+     */
+    tzero.v1.common.Decimal rate = 20;
+
+    /**
+     * The fiat amount received from the end-user.
+     * Matches the amount originally requested in CreatePaymentIntent.
+     */
+    tzero.v1.common.Decimal payment_amount = 30;
+
+    /*
+     * The payment method used for the pay-in
+     */
+    tzero.v1.common.PaymentMethodType payment_method = 40;
+
+    /*
+     * Unique transaction reference identifying the pay-in transaction
+     */
+    string transaction_reference = 50;
+  }
+}
+
+/**
+ * Acknowledgment of receiving the payment intent update.
+ * Empty response indicates successful processing.
+ * Return an error status code if processing failed and retry is needed.
+ */
+message PaymentIntentUpdateResponse {}