SQLALCHEMY_DATABASE_URI

app/__init__.py

@@ -22,17 +22,19 @@ def create_app():
     # import oracledb
 
     # oracledb.init_oracle_client(lib_dir=None) 
-    app = Flask(__name__)
-
-    # Load configuration
-    app.config.from_object(Config)
-
-    CORS(app)
-    JWTManager(app)
-    CORS(app, supports_credentials=True)
-
 
     try:
+
+        app = Flask(__name__)
+
+        # Load configuration
+        app.config.from_object(Config)
+
+        CORS(app)
+
+        JWTManager(app)
+        CORS(app, supports_credentials=True)
+
         # Swagger Doc
         SWAGGER_URL = app.config.get("SWAGGER_URL")
         API_URL = app.config.get("API_URL")
@@ -43,11 +45,6 @@ def create_app():
         swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
         app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
 
-    except Exception as e:
-        print(f"Swagger Unexpected error occurred: {e}")
-
-
-    try:
         # Error Handlers
         register_error_handlers(app)
 

app/api/integrations/simbrella.py

@@ -8,7 +8,6 @@ import logging
 class SimbrellaIntegration:
     BASE_URL = settings.SIMBRELLA_BASE_URL
     ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
-    HEALTH_ENDPOINT = settings.SIMBRELLA_HEALTH
 
     @staticmethod
     def rac_check(customer_id, account_id, transaction_id):
@@ -43,21 +42,4 @@ class SimbrellaIntegration:
         except Exception as e:
             logger.error(f"RACCheck API call failed: {str(e)}", exc_info=True)
             raise Exception(f"RACCheck API call failed: {str(e)}")
-        
-    @staticmethod
-    def health_check():
-        """
-        Health check for Simbrella Service
-        """
-       
-        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.HEALTH_ENDPOINT}"
-        logger.info(f"Simbrella Health Check URL: {url}")
-        
-        try:
-            response = httpx.get(url, timeout=10.0)
-            logger.info(f"Simbrella Health Check Response: {response.text}")
-            return response
-        except Exception as e:
-            logger.error(f"Simbrella Health Check API call failed: {str(e)}", exc_info=True)
-            raise
   

app/api/routes/routes.py

@@ -1,7 +1,4 @@
-from re import S
-from sqlite3 import DatabaseError
 from app.api.integrations.events_service import EventServiceIntegration
-from app.api.integrations.simbrella import SimbrellaIntegration
 from flask import Blueprint, request, jsonify, send_from_directory
 from app.api.services import (
     EligibilityCheckService,
@@ -26,6 +23,7 @@ from flask_jwt_extended import (
 from sqlalchemy import text
 from app.extensions import db
 from app.config import settings
+from urllib.parse import urlparse
 
 
 api = Blueprint("api", __name__)
@@ -44,10 +42,10 @@ def swagger_json():
     return send_from_directory(swagger_dir, "digifi_swagger.json")
 
 
-@api.route("/swagger/<path:filename>")
-def serve_paths(filename):
-    swagger_dir = os.path.join("swagger")
-    return send_from_directory(swagger_dir, filename)
+# @api.route("/swagger/<path:filename>")
+# def serve_paths(filename):
+#     swagger_dir = os.path.join("swagger")
+#     return send_from_directory(swagger_dir, filename)
 
 
 # EligibilityCheck Endpoint
@@ -120,6 +118,7 @@ def notification_callback():
     response = NotificationCallbackService.process_request(data)
     return response
 
+
 # Health Check Endpoint
 @api.route("/health", methods=["GET"])
 def health_check():
@@ -127,11 +126,9 @@ def health_check():
     response = {}
     db_status = "Connection Successful"
     events_service_status = "Connection Successful"
-    emulator_status = "Connection Successful"
     errors = []
     status = "ok"
 
-
     # Extract the database URI
     try:
         db_uri = db.engine.url.render_as_string(hide_password=False)
@@ -143,7 +140,7 @@ def health_check():
     # Check database connection
     try:
         logger.info(f"Database Health == : {SQLALCHEMY_DATABASE_URI}")
-        db.session.execute(text("SELECT table_name FROM user_tables ORDER BY table_name"))
+        db.session.execute(text("SELECT 1"))
     except Exception as e:
         db_status = "Connection Failed"
         errors.append(f"Database Error: {str(e)}")
@@ -161,31 +158,16 @@ def health_check():
 
 
     except Exception as e:
-        events_service_status = "Connection Failed"
+        events_service_status = "Connection Successful"
         status = "failed"
         errors.append(f"Events Service connection failed: {str(e)}")
 
-    # Check Emulator health
-    try:
-        emulator_response = SimbrellaIntegration.health_check()
-
-        if emulator_response.status_code != 200:
-            emulator_status = "Connection Failed"
-            status = "failed"
-            errors.append(f"Emulator response: {emulator_response.text}")
-
-    except Exception as e:
-        emulator_status = "Connection Failed"
-        status = "failed"
-        errors.append(f"Emulator connection failed: {str(e)}")
-
 
     response = {
         "status": status,
         "db_status": db_status,
-        "events_service_status": events_service_status,
-        "emulator_status": emulator_status,
         "db_uri": db_uri,
+        "events_service_status": events_service_status,
         "errors": errors or None
     }
 

app/api/services/loan_status.py

@@ -3,15 +3,15 @@ from marshmallow import ValidationError
 from app.api.enums.loan_status import LoanStatus
 from app.models import Customer
 from app.utils.logger import logger
-from app.api.schemas.loan_status import LoanStatusSchema
+from app.api.schemas.loan_status import LoanStatusSchema 
 from app.api.services.base_service import BaseService
-from app.api.enums import TransactionType
+from app.api.enums import TransactionType   
 from app.extensions import db
 from app.api.helpers.response_helper import ResponseHelper
 
 
 class LoanStatusService(BaseService):
-    TRANSACTION_TYPE = TransactionType.LOAN_STATUS
+    TRANSACTION_TYPE = TransactionType.LOAN_STATUS 
 
     @staticmethod
     def process_request(data):
@@ -27,56 +27,30 @@ class LoanStatusService(BaseService):
         try:
             with db.session.begin():
                 # Validate data
-                validated_data = LoanStatusService.validate_data(
-                    data, LoanStatusSchema()
-                )
+                validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
 
-                customer_id = validated_data.get("customerId")
+                customer_id =  validated_data.get('customerId')
 
                 logger.info(f"Looking for customer *** {customer_id}")
                 customer = Customer.get_customer_with_loan_list(customer_id)
+                
+                transactionId = validated_data.get('transactionId')
+                account_id = validated_data.get('accountId')
 
-                transactionId = validated_data.get("transactionId")
-                account_id = validated_data.get("accountId")
-
-                if LoanStatusService.validate_account_ownership(
-                    account_id=account_id, customer_id=customer_id
-                ):
+                if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
                     # Get loans
-                    customer_loans = customer.loans
-                    loans = [
-                        loan.to_dict()
-                        for loan in customer_loans
-                        if loan.status in [LoanStatus.ACTIVE, LoanStatus.START_REPAY, LoanStatus.ACTIVE_PARTIAL]
-                    ]
-
-                    transaction = LoanStatusService.log_transaction(
-                        validated_data=validated_data
-                    )
+                    loans = [loan.to_dict() for loan in customer.loans if loan.status == LoanStatus.ACTIVE]
+                    transaction = LoanStatusService.log_transaction(validated_data = validated_data)
                     if not transaction:
                         logger.error(f"Failed to log transaction")
-                        return ResponseHelper.error(
-                            result_description="Failed to log transaction."
-                        )
-                else:
-                    return ResponseHelper.error(
-                        result_description="Invalid Customer or Account"
-                    )
+                        return ResponseHelper.error(result_description="Failed to log transaction.")
+                else:  
+                    return ResponseHelper.error(result_description="Invalid Customer or Account")
 
-                # CONFIRM IF THE TOTAL DEBT IF FOR ONLY ACTIVE LOANS OR ALL LOANS
                 total_debt_amount = sum(
-                    loan.get("currentLoanAmount") or 0 for loan in loans
-                )
-                
-                total_outstanding_amount = sum(
-                    loan.get("currentLoanAmount") or 0 for loan in loans
-                )
-
-                total_active_loan_amount = sum(
-                    loan.get("repaymentAmount") or 0 for loan in loans
-                )
-
-                total_settled_amount = total_active_loan_amount - total_outstanding_amount
+                    loan.get("currentLoanAmount") or 0
+                    for loan in loans
+                    )
 
                 # Simulated processing logic
                 response_data = {
@@ -85,11 +59,6 @@ class LoanStatusService(BaseService):
                     "transactionId": transactionId,
                     "loans": loans,
                     "totalDebtAmount": total_debt_amount,
-                    "summary": {
-                        "totalSettledAmount": total_settled_amount,
-                        "totalOutstandingAmount": total_outstanding_amount,
-                        "totalActiveLoanAmount": total_active_loan_amount,
-                    }
                 }
 
                 db.session.commit()
@@ -99,11 +68,9 @@ class LoanStatusService(BaseService):
 
             logger.error(f"Validation Error: {getattr(err, 'messages', str(err))}")
             db.session.rollback()
-            return ResponseHelper.unprocessable_entity(
-                result_description="Validation exception"
-            )
-
-        except ValueError as err:
+            return ResponseHelper.unprocessable_entity(result_description="Validation exception")
+        
+        except  ValueError as err:
             logger.error(f"{getattr(err, 'messages', str(err))}")
             db.session.rollback()
             return ResponseHelper.error(result_description=str(err))
@@ -111,4 +78,4 @@ class LoanStatusService(BaseService):
         except Exception as e:
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
-            return ResponseHelper.internal_server_error()
+            return ResponseHelper.internal_server_error()

app/api/services/provide_loan.py

@@ -1,4 +1,3 @@
-from gettext import install
 from flask import request, jsonify
 from marshmallow import ValidationError
 from app.api.integrations.kafka import KafkaIntegration
@@ -12,7 +11,7 @@ from threading import Thread
 from app.models import Loan, Offer, Charge , TransactionOffer, RACCheck
 from app.api.enums import LoanStatus
 from app.extensions import db
-from datetime import datetime, timezone, timedelta
+from datetime import datetime, timezone
 from dateutil.relativedelta import relativedelta
 from app.api.integrations import EventServiceIntegration
 from app.models import LoanRepaymentSchedule 
@@ -144,10 +143,10 @@ class ProvideLoanService(BaseService):
 
                     db.session.flush()
                     current_product_id = offer.product_id
-                    schedules = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
 
 
-                    if not schedules:
+                    if not schedule:
                         logger.error(f"Failed to create repayment schedule for loan ID {loan.id}")
                         return ResponseHelper.error(result_description="Failed to generate loan repayment schedule.")
 
@@ -159,27 +158,20 @@ class ProvideLoanService(BaseService):
 
                     loan_charges = LoanCharge.create_charges_for_loan(loan_id = loan_id, transaction_id = transaction_id, referenced_amount = 800, charges = charges)
 
+
                     
                 else: 
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
-
-                charge_schedule_items = ProvideLoanService.get_charge_schedule_items(
-                    loan_charges=loan_charges,
-                    offer=offer,
-                    loan_ref=loan_ref,
-                    amount=amount,
-                    schedules=schedules
-                    )
-               
+                
+            
                 response_data = {
                     "requestId": request_id,
                     "transactionId": transaction_id,
                     "loanRef": loan_ref,
                     "customerId": customer_id,
                     "accountId": account_id,
-                    "msisdn": customer.msisdn,
-                    "schedule": charge_schedule_items,
+                    "msisdn": customer.msisdn
                     }
                 
 
@@ -215,80 +207,4 @@ class ProvideLoanService(BaseService):
         response = EventServiceIntegration.direct_loan(transaction_id=transaction_id)
         return response
     
-    @classmethod
-    def get_charge_schedule_items(cls, loan_charges, offer, loan_ref, amount, schedules):
-        now = datetime.now(timezone.utc)
-        due_date = now + timedelta(days=offer.tenor)
-        id_counter = 1
-
-        charge_schedule_items = []
-        
-        charge_schedule_items.append({
-                "id": id_counter,
-                "dueDate": due_date.isoformat(),
-                "amountDue": amount,
-                "componentName": "PRINCIPAL",
-                "startDate": now.isoformat(),
-        })
-
-        interest_amount = 0.0
-
-        for charge in loan_charges:
-
-            code = charge.code.upper()
-
-            if code == "INTEREST":
-                interest_amount = float(charge.amount)
-                continue 
-
-
-            item = {
-                "id": id_counter,
-                "dueDate": charge.due_date.isoformat(),
-                "amountDue": float(charge.amount),
-                "componentName": charge.code.upper(),  # e.g. INTEREST, MGMT_FEE, VAT_FEE
-                "startDate": charge.created_at.isoformat(),
-            }
-
-            if charge.code.upper() == "VAT":
-                item["loanRef"] = loan_ref
-
-            charge_schedule_items.append(item)
-            id_counter += 1
-
-
-        num_schedules = len(schedules)
-        if num_schedules > 0:
-            principal_per_schedule = amount / num_schedules
-        else:
-            principal_per_schedule = 0.0
-
-
-        for schedule in schedules:
-            default = {
-                "id":  id_counter,
-                "installmentNo": schedule.installment_number,
-                "dueDate": schedule.due_date.isoformat(),
-                "amountDue": round(principal_per_schedule, 2),
-                "componentName": "DEFAULT",
-                "startDate": schedule.created_at.isoformat(),
-            }
-
-            charge_schedule_items.append(default)
-            id_counter += 1
-
-            interest = {
-                "id": id_counter,
-                "dueDate": schedule.due_date.isoformat(),
-                "amountDue": round(interest_amount, 2),
-                "componentName": "INTEREST",
-                "startDate": schedule.created_at.isoformat(),
-                "loanRef": loan_ref
-            }
-
-            charge_schedule_items.append(interest)
-            id_counter += 1
-
-        return charge_schedule_items
-
-
+    

app/api/services/select_offer.py

@@ -38,7 +38,6 @@ class SelectOfferService(BaseService):
                 transaction_id = validated_data.get("transactionId")
                 request_id = validated_data.get("requestId")
 
-    
                 offer_id = int(transaction_offer_id[5:])  # The last part is int
 
                 #"offerId": "SAL30001129",

app/config.py

@@ -44,14 +44,8 @@ class Config:
    # SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS", "RACCheck")
     VALID_APP_ID = os.getenv("SIMBRELLA_APP_ID", "app1")
     VALID_API_KEY = os.getenv("SIMBRELLA_API_KEY", "test-api-key-12345")
-
-
     SIMBRELLA_BASE_URL = os.getenv("SIMBRELLA_BASE_URL", "http://127.0.0.1:6337")
     SIMBRELLA_ENDPOINT_RAC_CHECKS = os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/rac-check")
-    SIMBRELLA_HEALTH =  os.getenv("SIMBRELLA_ENDPOINT_RAC_CHECKS","api/system-health-check")
-
-
-
     EVENTS_SERVICE_BASE_URL = os.getenv("EVENTS_SERVICE_BASE_URL","https://event-core.simbrellang.net")
     ENDPOINT_DIRECT_LOAN = os.getenv("ENDPOINT_DIRECT_LOAN","/autocall/direct/loan")
     ENDPOINT_DIRECT_REPAYMENT = os.getenv("ENDPOINT_DIRECT_REPAYMENT","/autocall/direct/repayment")

app/models/loan.py

@@ -246,7 +246,7 @@ class Loan(db.Model):
             'loanRef': self.reference,
             'productId': self.product_id,
             'initialLoanAmount': self.initial_loan_amount,
-            'currentLoanAmount': self.balance,
+            'currentLoanAmount': self.current_loan_amount,
             'defaultPenaltyFee': self.default_penalty_fee,
             'continuousFee': self.continuous_fee,
             'collectionType': self.collection_type,

app/models/repayment.py

@@ -56,12 +56,6 @@ class Repayment(db.Model):
             raise ValueError(f"Database integrity error: {err}")
 
         return repayment
-
-    # Get loan repayments
-    @classmethod
-    def get_repayments_by_id(cls, loan_id):
-        return cls.query.filter_by(loan_id=loan_id).all()
-    
     
     def to_dict(self):
         return {

app/swagger/digifi_swagger.json

@@ -1,7 +1,7 @@
 {
   "openapi": "3.0.3",
   "info": {
-    "title": "Swagger Simbrella Core [10/22/2025] - OpenAPI 3.0",
+    "title": "Swagger Bank Channel to Simbrella FirstAdvance - OpenAPI 3.0",
     "description": "This is a Simbrella FirstAdvance Backend Server with the OpenAPI 3.0 specification.  \n\n\nSome useful links:\n- [Web Simulated Demo Page](https://digifi-salaryloan.chiefsoft.net/)\n- [Web Management Support Portal](https://digifi-office.chiefsoft.net/auth/login)",
     "termsOfService": "http://swagger.io/terms/",
     "contact": {
@@ -28,10 +28,6 @@
     }
   ],
   "tags": [
-    {
-      "name": "Health",
-      "description": "System health check including DB status."
-    },
     {
       "name": "Authorize",
       "description": "This feature will be used for authorizing customers.",
@@ -87,48 +83,13 @@
         "description": "Find out more",
         "url": "https://www.simbrellang.net"
       }
+    },
+    {
+      "name": "Health",
+      "description": "System health check including DB status."
     }
   ],
   "paths": {
-    "/health": {
-      "get": {
-        "tags": ["Health"],
-        "summary": "Health Check",
-        "description": "Returns service health information including DB connection status.",
-        "responses": {
-          "200": {
-            "description": "Health check successful",
-            "content": {
-              "application/json": {
-                "example": {
-                  "status": "ok",
-                  "db_status": "Connection Successful",
-                  "events_service_status":"Connection Successful",
-                  "emulator_status":"Connection Successful",
-                  "db_uri": "postgresql://user:****@localhost:5432/digifi_db",
-                  "error": []
-                }
-              }
-            }
-          },
-          "500": {
-            "description": "Health check failed",
-            "content": {
-              "application/json": {
-                "example": {
-                  "status": "failed",
-                  "db_status": "Connection Failed",
-                  "events_service_status":"Connection Failed",
-                  "emulator_status":"Connection Failed",
-                  "db_uri": "Unavailable",
-                  "error":["could not connect to server: Connection refused"]
-                }
-              }
-            }
-          }
-        }
-      }
-    },
     "/Authorize": {
       "$ref": "swagger/paths/Authorize.json"
     },
@@ -149,6 +110,41 @@
     },
     "/Repayment": {
       "$ref": "swagger/paths/Repayment.json"
+    },
+    "/health": {
+      "get": {
+        "tags": ["Health"],
+        "summary": "Health Check",
+        "description": "Returns service health information including DB connection status.",
+        "responses": {
+          "200": {
+            "description": "Health check successful",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Successful",
+                  "events_service_status": "healthy",
+                  "error": []
+                }
+              }
+            }
+          },
+          "500": {
+            "description": "Health check failed",
+            "content": {
+              "application/json": {
+                "example": {
+                  "status": "ok",
+                  "db_status": "Connection Failed",
+                  "events_service_status": "unhealthy",
+                  "error":["could not connect to server: Connection refused"]
+                }
+              }
+            }
+          }
+        }
+      }
     }
   },
   "components": {

app/swagger/paths/AuthorizeRefresh.json

@@ -1,6 +1,6 @@
 {
   "post": {
-    "tags": ["AuthorizeRefresh"],
+    "tags": ["Authorize Refresh"],
     "summary": "Customer Authorize Refresh Request",
     "description": "Customer Authorize Refresh Request",
     "operationId": "AuthorizeRefresh",

app/swagger/schemas/LoanStatusResponse.json

@@ -102,29 +102,6 @@
       "type": "number",
       "format": "float",
       "example": 30000.0
-    },
-    "summary": {
-      "type": "object",
-      "properties": {
-        "totalOutstandingAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 114450.0,
-          "description": "Total amount still owed across all unpaid loans."
-        },
-        "totalActiveLoanAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 40000.0,
-          "description": "Total principal amount of currently active loans."
-        },
-        "totalSettledAmount": {
-          "type": "number",
-          "format": "float",
-          "example": 80000.0,
-          "description": "Total amount that has been fully repaid."
-        }
-      }
     }
   },
   "xml": {

app/swagger/schemas/ProvideLoanResponse.json

@@ -25,41 +25,6 @@
       "type": "string",
       "example": "98016510058"
     },
-    "schedule": {
-      "type": "array",
-      "description": "List of loan repayment components with due dates and amounts.",
-      "items": {
-        "type": "object",
-        "properties": {
-          "id": {
-            "type": "integer",
-            "example": 1
-          },
-          "amountDue": {
-            "type": "number",
-            "example": 2000.0
-          },
-          "componentName": {
-            "type": "string",
-            "example": "INTEREST"
-          },
-          "dueDate": {
-            "type": "string",
-            "format": "date-time",
-            "example": "2026-01-13T11:36:39.890747+00:00"
-          },
-          "startDate": {
-            "type": "string",
-            "format": "date-time",
-            "example": "2025-10-15T11:36:39.890747+00:00"
-          },
-          "loanRef": {
-            "type": "string",
-            "example": "TRX1760528156816285USSD3MPC"
-          }
-        }
-      }
-    },
     "resultCode": {
       "type": "string",
       "example": "00"

docker-compose.yml

@@ -1,4 +1,3 @@
-version: '3.8'
 services:
   digifi-bank-to-product-core:
     build: .
@@ -12,14 +11,4 @@ services:
       - DATABASE_URL=postgresql+psycopg2://${DATABASE_USER}:${DATABASE_PASSWORD}@${DATABASE_HOST}:${DATABASE_PORT}/${DATABASE_NAME}
     volumes:
       - .:/app
-    restart: always
-    networks:
-      - my_custom_network
-
-
-networks:
-  my_custom_network:
-    driver: bridge
-    ipam:
-      config:
-        - subnet: 10.244.0.0/26
+    restart: always