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✨ server: add card limit update handler #898

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8a49726
✨ server: add card limit case update
aguxez Mar 16, 2026
08c3448
✨ server: support card limit inquiry flow
aguxez Mar 20, 2026
19c66f7
✨ server: add card limit support to persona
aguxez Apr 8, 2026
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5 changes: 5 additions & 0 deletions .changeset/clear-cobras-sip.md
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Original file line number Diff line number Diff line change
@@ -0,0 +1,5 @@
---
"@exactly/server": patch
---

✨ add card limit case update
118 changes: 107 additions & 11 deletions server/api/kyc.ts
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Original file line number Diff line number Diff line change
Expand Up @@ -41,7 +41,7 @@ export default new Hono()
"query",
object({
countryCode: optional(literal("true")),
scope: optional(picklist(["basic", "bridge", "manteca"])),
scope: optional(picklist(["basic", "bridge", "cardLimit", "manteca"])),
}),
validatorHook(),
),
Expand All @@ -59,6 +59,40 @@ export default new Hono()
setUser({ id: account });
setContext("exa", { credential });

if (scope === "cardLimit") {
if (!credential.pandaId) return c.json({ code: "bad kyc" }, 400);
if (await getPendingInquiryTemplate(credentialId, "basic")) return c.json({ code: "not started" }, 200);
let templateId: Awaited<ReturnType<typeof getPendingInquiryTemplate>>;
try {
templateId = await getPendingInquiryTemplate(credentialId, "cardLimit");
} catch (error: unknown) {
if (error instanceof Error && error.message === scopeValidationErrors.NOT_SUPPORTED) {
return c.json({ code: "not supported" }, 400);
}
throw error;
}
const template = getCardLimitTemplate(credentialId, templateId);
if (!template) return c.json({ code: "not started" }, 200);
const cardLimitInquiry = await getInquiry(credentialId, template);
if (!cardLimitInquiry) return c.json({ code: "not started" }, 200);
switch (cardLimitInquiry.attributes.status) {
case "approved":
return c.json({ code: "ok" }, 200);
case "completed":
case "needs_review":
return c.json({ code: "processing" }, 400);
case "created":
case "pending":
case "expired":
return c.json({ code: "not started" }, 200);
case "failed":
case "declined":
return c.json({ code: "bad kyc" }, 400);
default:
throw new Error("unknown inquiry status");
}
}

if (scope === "basic" && credential.pandaId) {
if (c.req.valid("query").countryCode) {
const personaAccount = await getAccount(credentialId, scope).catch((error: unknown) => {
Expand Down Expand Up @@ -113,7 +147,7 @@ export default new Hono()
case "declined":
return c.json({ code: "bad kyc", legacy: "kyc not approved" }, 400);
default:
throw new Error("Unknown inquiry status");
throw new Error("unknown inquiry status");
}
},
)
Expand All @@ -124,7 +158,7 @@ export default new Hono()
"json",
object({
redirectURI: optional(string()),
scope: optional(picklist(["basic", "bridge", "manteca"])),
scope: optional(picklist(["basic", "bridge", "cardLimit", "manteca"])),
}),
validatorHook({ debug }),
),
Expand All @@ -141,6 +175,56 @@ export default new Hono()
setUser({ id: parse(Address, credential.account) });
setContext("exa", { credential });

if (scope === "cardLimit") {
if (await getPendingInquiryTemplate(credentialId, "basic")) return c.json({ code: "not started" }, 400);
let templateId: Awaited<ReturnType<typeof getPendingInquiryTemplate>>;
try {
templateId = await getPendingInquiryTemplate(credentialId, "cardLimit");
} catch (error: unknown) {
if (error instanceof Error && error.message === scopeValidationErrors.NOT_SUPPORTED) {
return c.json({ code: "not supported" }, 400);
}
throw error;
}
const template = getCardLimitTemplate(credentialId, templateId);
if (!template) return c.json({ code: "not started" }, 400);
const cardLimitInquiry = await getInquiry(credentialId, template);
if (!cardLimitInquiry) {
const account = await getAccount(credentialId, "basic").catch((error: unknown) => {
captureException(error, { level: "error", contexts: { details: { credentialId, scope: "cardLimit" } } });
});
const { data } = await createInquiry(
credentialId,
template,
redirectURI,
account
? { "name-first": account.attributes["name-first"], "name-last": account.attributes["name-last"] }
: undefined,
);
return c.json(await generateInquiryTokens(data.id), 200);
}
switch (cardLimitInquiry.attributes.status) {
case "approved":
captureException(new Error("inquiry approved but account not updated"), {
level: "error",
contexts: { inquiry: { templateId: template, referenceId: credentialId } },
});
return c.json({ code: "already approved" }, 400);
case "completed":
case "needs_review":
return c.json({ code: "processing" }, 400);
case "pending":
case "created":
case "expired":
return c.json(await generateInquiryTokens(cardLimitInquiry.id), 200);
case "failed":
case "declined":
return c.json({ code: "failed" }, 400);
default:
throw new Error("unknown inquiry status");
}
}

let inquiryTemplateId: Awaited<ReturnType<typeof getPendingInquiryTemplate>>;
try {
inquiryTemplateId = await getPendingInquiryTemplate(credentialId, scope);
Expand All @@ -157,8 +241,7 @@ export default new Hono()
const inquiry = await getInquiry(credentialId, inquiryTemplateId);
if (!inquiry) {
const { data } = await createInquiry(credentialId, inquiryTemplateId, redirectURI);
const { inquiryId, sessionToken } = await generateInquiryTokens(data.id);
return c.json({ inquiryId, sessionToken }, 200);
return c.json(await generateInquiryTokens(data.id), 200);
}

switch (inquiry.attributes.status) {
Expand All @@ -173,15 +256,13 @@ export default new Hono()
return c.json({ code: "failed", legacy: "kyc failed" }, 400);
case "completed":
case "needs_review":
return c.json({ code: "failed", legacy: "kyc failed" }, 400); // TODO send a different response
return c.json({ code: "processing", legacy: "kyc failed" }, 400);
case "pending":
case "created":
case "expired": {
const { inquiryId, sessionToken } = await generateInquiryTokens(inquiry.id);
return c.json({ inquiryId, sessionToken }, 200);
}
case "expired":
return c.json(await generateInquiryTokens(inquiry.id), 200);
default:
throw new Error("Unknown inquiry status");
throw new Error("unknown inquiry status");
}
},
);
Expand Down Expand Up @@ -212,6 +293,21 @@ async function isLegacy(
});
}

function getCardLimitTemplate(
credentialId: string,
inquiryTemplateId: Awaited<ReturnType<typeof getPendingInquiryTemplate>>,
) {
if (inquiryTemplateId === PANDA_TEMPLATE) {
captureException(new Error("cardLimit: basic not found in Persona despite pandaId set"), {
level: "error",
contexts: { credential: { credentialId } },
});
return null;
}
if (!inquiryTemplateId) throw new Error("unexpected: no template for cardLimit");
return inquiryTemplateId;
}

async function generateInquiryTokens(inquiryId: string): Promise<{ inquiryId: string; sessionToken: string }> {
const { meta: sessionTokenMeta } = await resumeInquiry(inquiryId);
return { inquiryId, sessionToken: sessionTokenMeta["session-token"] };
Expand Down
72 changes: 68 additions & 4 deletions server/hooks/persona.ts
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Original file line number Diff line number Diff line change
Expand Up @@ -10,7 +10,9 @@ import {
literal,
looseObject,
minLength,
minValue,
nullable,
number,
object,
optional,
picklist,
Expand All @@ -23,13 +25,16 @@ import {

import { Address } from "@exactly/common/validation";

import database, { credentials } from "../database/index";
import { createUser } from "../utils/panda";
import database, { cards, credentials } from "../database/index";
import { createUser, updateCard } from "../utils/panda";
import { addCapita, deriveAssociateId } from "../utils/pax";
import {
addDocument,
ADDRESS_TEMPLATE,
CARD_LIMIT_CASE_TEMPLATE,
CARD_LIMIT_TEMPLATE,
CRYPTOMATE_TEMPLATE,
getInquiryById,
headerValidator,
MANTECA_TEMPLATE_EXTRA_FIELDS,
MANTECA_TEMPLATE_WITH_ID_CLASS,
Expand Down Expand Up @@ -184,6 +189,29 @@ export default new Hono().post(
}),
transform((payload) => ({ template: "manteca" as const, ...payload })),
),
pipe(
object({
data: object({
type: literal("case"),
id: string(),
attributes: object({
status: picklist(["Approved", "Declined", "Open", "Pending"]),
fields: looseObject({
cardLimitUsd: optional(
object({ type: literal("integer"), value: nullable(pipe(number(), minValue(1))) }),
),
}),
}),
relationships: object({
caseTemplate: object({ data: object({ id: literal(CARD_LIMIT_CASE_TEMPLATE) }) }),
inquiries: object({
data: array(object({ type: literal("inquiry"), id: string() })),
}),
}),
}),
}),
transform((payload) => ({ template: "cardLimit" as const, ...payload })),
),
pipe(
object({
data: object({
Expand All @@ -192,7 +220,12 @@ export default new Hono().post(
relationships: object({
inquiryTemplate: object({
data: object({
id: picklist([ADDRESS_TEMPLATE, CRYPTOMATE_TEMPLATE, MANTECA_TEMPLATE_EXTRA_FIELDS]),
id: picklist([
ADDRESS_TEMPLATE,
CARD_LIMIT_TEMPLATE,
CRYPTOMATE_TEMPLATE,
MANTECA_TEMPLATE_EXTRA_FIELDS,
]),
}),
}),
}),
Expand All @@ -210,7 +243,38 @@ export default new Hono().post(
const payload = c.req.valid("json").data.attributes.payload;

if (payload.template === "ignored") return c.json({ code: "ok" }, 200);

if (payload.template === "cardLimit") {
getActiveSpan()?.setAttribute(SEMANTIC_ATTRIBUTE_SENTRY_OP, "persona.case.card-limit");
if (payload.data.attributes.status !== "Approved") return c.json({ code: "ok" }, 200);
const cardLimitUsd = payload.data.attributes.fields.cardLimitUsd?.value;
if (cardLimitUsd == null) return c.json({ code: "no limit" }, 200);
const inquiry = payload.data.relationships.inquiries.data[0];
if (!inquiry?.id) return c.json({ code: "no inquiry" }, 200);
const {
data: {
attributes: { "reference-id": referenceId },
},
} = await getInquiryById(inquiry.id);
const credential = await database.query.credentials.findFirst({
columns: { pandaId: true },
where: eq(credentials.id, referenceId),
with: { cards: { columns: { id: true }, where: eq(cards.status, "ACTIVE"), limit: 1 } },
});
if (!credential) {
captureException(new Error("no credential"), { level: "error", contexts: { credential: { referenceId } } });
return c.json({ code: "no credential" }, 200);
}
if (!credential.pandaId) return c.json({ code: "no panda" }, 200);
if (!credential.cards[0]) {
captureException(new Error("no card"), { level: "error", contexts: { card: { referenceId } } });
return c.json({ code: "no card" }, 200);
}
await updateCard({
id: credential.cards[0].id,
limit: { amount: cardLimitUsd * 100, frequency: "per7DayPeriod" },
});
return c.json({ code: "ok" }, 200);
}
if (payload.template === "manteca") {
getActiveSpan()?.setAttribute(SEMANTIC_ATTRIBUTE_SENTRY_OP, "persona.inquiry.manteca");
await addDocument(payload.data.attributes.referenceId, {
Expand Down
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