Adds GET /customer/wallet/transfer/recipient?phone= and
POST /customer/wallet/transfer (docs/prd-point-coin.md F5, Q4, Q16,
PC-402).
The recipient is found by phone number and must be an active customer of
the same organization, not the walk-in customer and not the sender. A
number of another organization answers 404 like an unknown one, so the
check does not reveal who uses the app elsewhere. The recipient check
returns the name and number masked ("Bu*** Sa***", "08**-****-1234").
The organization's transfer settings apply: transfers turned off, the
minimum, the maximum per transaction and the daily limit per currency,
which starts over at midnight WIB. Everything the request alone can get
wrong is refused before the PIN, so it costs no attempt; the PIN then
refuses a transfer held for 24 hours after a PIN reset.
Both wallets are locked in customer_id order, so transfers in opposite
directions cannot deadlock, and the daily limit is summed under the lock.
TRANSFER_OUT takes from the sender's lots in K9 order and TRANSFER_IN
gives the recipient lots with exactly the same expiries, pointing back at
the sender's lots. The rows share a group, reference each other and name
the other customer; descriptions carry only the masked name.
The Idempotency-Key header is required. A retry is recognised under the
lock before the daily limit, so it replays instead of counting twice; the
same key towards another recipient is refused.
The recipient is told by WhatsApp after the commit, as PIN locks are:
NotificationService only reaches staff devices, there is no push channel
to customers yet. A failure to send is logged, never undoes the transfer.
Transfers must not be released before note N3 (legal) is closed.
Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
Adds GET /customer/wallet/exchange/preview?coins= and
POST /customer/wallet/exchange (docs/prd-point-coin.md F4, K3, PC-401).
The customer exchanges a multiple of the organization's coin_amount and
gets (coins / coin_amount) x point_amount EnakPoint, approved by their PIN
(K8). A malformed amount is refused before the PIN is checked, so it costs
no attempt. In one transaction the wallet is locked, EXCHANGE_OUT takes the
EnakCoin in K9 order and EXCHANGE_IN adds the EnakPoint; the two rows share
a group, point at each other and both freeze the rate in their metadata.
The EnakPoint are split over the EnakCoin lots they came from, each part
keeping its lot's expiry and pointing back at it, so exchanging cannot
extend a balance's life. The split takes floor(coins so far x rate) per
lot, which adds up exactly because the total is a multiple of coin_amount.
EnakPoint have no validity of their own until the expiry model is decided
(N4), so the EnakCoin lot is for now the only bound.
The Idempotency-Key header (or X-Idempotency-Key) is required. A retry
with the same key is recognised under the wallet lock and replayed with
the ids and rate the first attempt froze, even if the rate has changed
since; the same key for another amount is refused.
Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
efrilm
