mercore starter

.env.local.example

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+# Environment Variables
+BASIC_AUTH_USERNAME=user
+BASIC_AUTH_PASSWORD=password
+
+#swagger Configuration
+SWAGGER_URL="/documentation"
+API_URL="/swagger.json"
+
+# Database Configuration
+DATABASE_USER=firstadvance
+DATABASE_PASSWORD=FirstAdvance!
+DATABASE_HOST=dev-data.simbrellang.net
+DATABASE_PORT=10532
+DATABASE_NAME=firstadvancedev
+
+# DATABASE_HOST=10.20.30.60
+# DATABASE_USER=firstadvance
+# DATABASE_PASSWORD=firstadvance
+# DATABASE_NAME=firstadvancedev
+# DATABASE_PORT=5432
+
+# Flask Configuration
+FLASK_APP=wsgi.py
+FLASK_ENV=development
+APP_PORT=4500
+
+
+# Bank Call Service Connection
+SIMBRELLA_BASE_URL="https://bank-emulator.dev.simbrellang.net"
+VALID_APP_ID=app1
+VALID_API_KEY=test-api-key-12345
+
+
+# Event Bus Broker Configuration
+KAFKA_BROKER="10.0.0.246:9092"

.example.env

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+VALID_APP_ID=**********
+VALID_API_KEY=*************
+BASIC_AUTH_USERNAME=******
+BASIC_AUTH_PASSWORD=******
+
+
+SWAGGER_URL="/documentation"
+API_URL="/swagger.json"
+
+JWT_SECRET_KEY=******
+JWT_ACCESS_TOKEN_EXPIRES=******
+JWT_REFRESH_TOKEN_EXPIRES=******
+
+
+DATABASE_USER=*****
+DATABASE_PASSWORD=*****
+DATABASE_HOST=******
+DATABASE_PORT=******
+DATABASE_NAME=*****
+
+# Flask Configuration
+FLASK_APP=wsgi.py
+FLASK_ENV=development
+APP_PORT=4500
+
+SIMBRELLA_BASE_URL=***************

.gitignore

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+__pycache__/
+.env
+app.log
+.DS_Store
+migrations/__pycache__/
+migrations/*.pycg
+./vscode
+.vscode/settings.json

.idea/.gitignore

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+# Default ignored files
+/shelf/
+/workspace.xml
+# Editor-based HTTP Client requests
+/httpRequests/
+# Datasource local storage ignored files
+/dataSources/
+/dataSources.local.xml

.idea/digifi-BankToProductCore.iml

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+<?xml version="1.0" encoding="UTF-8"?>
+<module type="WEB_MODULE" version="4">
+  <component name="NewModuleRootManager">
+    <content url="file://$MODULE_DIR$" />
+    <orderEntry type="jdk" jdkName="Python 3.11" jdkType="Python SDK" />
+    <orderEntry type="sourceFolder" forTests="false" />
+  </component>
+</module>

.idea/inspectionProfiles/Project_Default.xml

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+<component name="InspectionProjectProfileManager">
+  <profile version="1.0">
+    <option name="myName" value="Project Default" />
+    <inspection_tool class="Eslint" enabled="true" level="WARNING" enabled_by_default="true" />
+    <inspection_tool class="PyPackageRequirementsInspection" enabled="true" level="WARNING" enabled_by_default="true">
+      <option name="ignoredPackages">
+        <value>
+          <list size="15">
+            <item index="0" class="java.lang.String" itemvalue="httpx" />
+            <item index="1" class="java.lang.String" itemvalue="flask-migrate" />
+            <item index="2" class="java.lang.String" itemvalue="flask-swagger-ui" />
+            <item index="3" class="java.lang.String" itemvalue="alembic" />
+            <item index="4" class="java.lang.String" itemvalue="confluent-kafka" />
+            <item index="5" class="java.lang.String" itemvalue="Flask-Cors" />
+            <item index="6" class="java.lang.String" itemvalue="flask-jwt-extended" />
+            <item index="7" class="java.lang.String" itemvalue="python-dateutil" />
+            <item index="8" class="java.lang.String" itemvalue="flask-sqlalchemy" />
+            <item index="9" class="java.lang.String" itemvalue="psycopg2-binary" />
+            <item index="10" class="java.lang.String" itemvalue="python-dotenv" />
+            <item index="11" class="java.lang.String" itemvalue="marshmallow" />
+            <item index="12" class="java.lang.String" itemvalue="gunicorn" />
+            <item index="13" class="java.lang.String" itemvalue="Flask-Marshmallow" />
+            <item index="14" class="java.lang.String" itemvalue="Flask" />
+          </list>
+        </value>
+      </option>
+    </inspection_tool>
+  </profile>
+</component>

.idea/misc.xml

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+<?xml version="1.0" encoding="UTF-8"?>
+<project version="4">
+  <component name="Black">
+    <option name="sdkName" value="Python 3.11" />
+  </component>
+  <component name="ProjectRootManager" version="2" project-jdk-name="Python 3.11" project-jdk-type="Python SDK" />
+</project>

.idea/modules.xml

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+<?xml version="1.0" encoding="UTF-8"?>
+<project version="4">
+  <component name="ProjectModuleManager">
+    <modules>
+      <module fileurl="file://$PROJECT_DIR$/.idea/digifi-BankToProductCore.iml" filepath="$PROJECT_DIR$/.idea/digifi-BankToProductCore.iml" />
+    </modules>
+  </component>
+</project>

.idea/php.xml

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+<?xml version="1.0" encoding="UTF-8"?>
+<project version="4">
+  <component name="MessDetectorOptionsConfiguration">
+    <option name="transferred" value="true" />
+  </component>
+  <component name="PHPCSFixerOptionsConfiguration">
+    <option name="transferred" value="true" />
+  </component>
+  <component name="PHPCodeSnifferOptionsConfiguration">
+    <option name="highlightLevel" value="WARNING" />
+    <option name="transferred" value="true" />
+  </component>
+  <component name="PhpStanOptionsConfiguration">
+    <option name="transferred" value="true" />
+  </component>
+  <component name="PsalmOptionsConfiguration">
+    <option name="transferred" value="true" />
+  </component>
+</project>

.idea/vcs.xml

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+<?xml version="1.0" encoding="UTF-8"?>
+<project version="4">
+  <component name="VcsDirectoryMappings">
+    <mapping directory="$PROJECT_DIR$" vcs="Git" />
+  </component>
+</project>

Dockerfile

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+# Use an official Python runtime as a parent image
+FROM python:3.9-slim
+
+# Set the working directory in the container
+WORKDIR /app
+
+# Copy the current directory contents into the container at /app
+COPY . /app
+
+# Install dependencies
+RUN pip install --no-cache-dir -r requirements.txt
+
+# Expose port 5000 for the Flask app
+EXPOSE 5000
+
+# Set environment variables
+ENV FLASK_APP=app.py
+ENV FLASK_RUN_HOST=0.0.0.0
+
+#RUN chmod +x scripts/entrypoint.sh
+#
+#ENTRYPOINT ["scripts/entrypoint.sh"]
+
+CMD ["sh", "-c", \
+    "echo 'Starting Gunicorn server...' && \
+    exec gunicorn -w 4 -b 0.0.0.0:5000 wsgi:wsgi_app"]
+
+

README.md

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+# Setup
+
+This guide provides instructions on how to set up and run the application.
+
+## Prerequisites
+
+Ensure you have the following installed on your system:
+- **Docker**: Install Docker from [docker.com](https://www.docker.com/get-started)
+- **Docker Compose**: Docker Compose is included with Docker Desktop (for macOS/Windows) or can be installed separately on Linux.
+
+## Steps to Set Up the Application
+
+### 1. Clone the Repository
+
+First, clone the repository to your local machine:
+
+```bash
+git clone https://github.com/username/repository.git
+cd repository
+```
+
+
+### 2. Configure Environment Variables
+
+Instead of creating a new `.env` file, rename the provided `.env.example` file and update the necessary variables:
+
+```bash
+cp .env.example .env
+```
+
+Then, open the `.env` file and **update the following variables with your actual configuration:**
+
+- Database credentials:
+  ```ini
+  DATABASE_USER=your_database_username
+  DATABASE_PASSWORD=your_database_password
+  DATABASE_NAME=your_database_name
+  DATABASE_PORT=5432
+  ```
+- App ID and API Key:
+  ```ini
+  APP_ID=your_app_id
+  API_KEY=your_api_key
+  ```
+
+This ensures that the application is properly configured with your environment variables.
+
+> **Optional:** Change file permissions for the entrypoint script
+
+```bash
+chmod +x scripts/entrypoint.sh
+```
+
+---
+
+
+### 3. Run the Application with Docker Compose
+
+Once you have the repository cloned, you can easily set up and run the application using Docker Compose. Simply execute the following command:
+
+```bash
+docker-compose up --build
+```
+
+This command will build the Docker image and start the Flask application in a container. By default, the application will be accessible at `http://localhost:4500`.
+
+### 4. Health Check
+
+You can check if the Flask application is running by accessing the `/health` endpoint. To perform a health check, run the following command:
+
+```bash
+curl http://localhost:4500/health
+```
+
+If the application is running properly, you should receive a response similar to this:
+
+```json
+{
+  "status": "ok"
+}
+```
+
+
+### 5. Documentation
+
+You can check the Swagger Doc by accessing the `/documentation` endpoint. Run the following command:
+
+```bash
+curl http://localhost:4500/documentation
+```
+
+
+### 6. Stop the Application
+
+To stop the application, use:
+
+```bash
+docker-compose down
+```
+
+This will stop and remove the containers created by Docker Compose.

SQL/site_data.sql

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+
+CREATE TABLE transactions (
+        id SERIAL,
+        transaction_id VARCHAR(50) NOT NULL,
+        account_id VARCHAR(50) NOT NULL,
+        type VARCHAR(50) NOT NULL,
+        channel VARCHAR(8) NOT NULL,
+        created_at timestamp with time zone DEFAULT now(),
+        updated_at timestamp with time zone DEFAULT now()
+);
+ALTER TABLE ONLY transactions
+    ADD CONSTRAINT transactions_id_key UNIQUE (id);
+
+

app.py

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+from app import create_app
+
+app = create_app()
+
+if __name__ == "__main__":
+    app.run(host="0.0.0.0", port=5000, debug=True)

app/__init__.py

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+from flask import Flask
+import os
+from flask_swagger_ui import get_swaggerui_blueprint
+from flask_cors import CORS
+from app.config import Config
+from app.api.routes import api
+from app.errors import register_error_handlers
+from flask_sqlalchemy import SQLAlchemy
+from flask_migrate import Migrate
+from app.extensions import db, migrate
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    get_jwt_identity,
+)
+
+
+def create_app():
+    """Factory function to create a Flask app instance"""
+    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")
+
+    # Register blueprints
+    app.register_blueprint(api)
+
+    swagger_ui_blueprint = get_swaggerui_blueprint(SWAGGER_URL, API_URL)
+    app.register_blueprint(swagger_ui_blueprint, url_prefix=SWAGGER_URL)
+
+    # Error Handlers
+    register_error_handlers(app)
+
+    from . import models
+
+    # Database and Migrations
+    db.init_app(app)
+
+    migrate.init_app(app, db)
+
+    return app

app/api/enums/__init__.py

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+from .transaction_type import TransactionType
+from .loan_status import LoanStatus

app/api/enums/loan_status.py

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+from enum import Enum
+
+class LoanStatus(str, Enum):
+    PENDING = "pending"
+    ACTIVE = "active"
+    ACTIVE_PARTIAL = "active_partial"
+    START_REPAY = "start_repay"
+    REPAID = "repaid"

app/api/enums/transaction_type.py

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+from enum import Enum
+
+class TransactionType(str, Enum):
+    ELIGIBILITY_CHECK = "eligibility_check"
+    CUSTOMER_CONSENT = "customer_consent"
+    LOAN_STATUS = "loan_status"
+    NOTIFICATION_CALLBACK = "notification_callback"
+    PROVIDE_LOAN = "provide_loan"
+    REPAYMENT = "repayment"
+    SELECT_OFFER = "select_offer"

app/api/helpers/response_helper.py

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+from flask import jsonify
+from typing import Optional, Union, Dict, List, Any
+
+
+class ResponseHelper:
+    """
+    A helper class for building standardized JSON responses using resultCode and resultDescription.
+    """
+
+    @staticmethod
+    def build_response(
+        result_code: str,
+        result_description: str,
+        data: Optional[Union[Dict, List, str]] = None
+    ) -> Dict[str, Any]:
+        response = {
+            "resultCode": result_code,
+            "resultDescription": result_description
+        }
+
+        if isinstance(data, dict):
+            response.update(data)
+
+        return jsonify(response)
+
+    @staticmethod
+    def success(
+        result_description: str = "Successful",
+        result_code: str = "0",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def error(
+        result_description: str = "An error occurred",
+        result_code: str = "01",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def created(
+        result_description: str = "Resource created successfully",
+        result_code: str = "00",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def updated(
+        result_description: str = "Resource updated successfully",
+        result_code: str = "00",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def internal_server_error(
+        result_description: str = "Internal Server Error",
+        result_code: str = "500",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def unauthorized(
+        result_description: str = "Unauthorized",
+        result_code: str = "401",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def forbidden(
+        result_description: str = "Forbidden",
+        result_code: str = "403",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def not_found(
+        result_description: str = "Resource not found",
+        result_code: str = "404",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def unprocessable_entity(
+        result_description: str = "Unprocessable entity",
+        result_code: str = "422",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def method_not_allowed(
+        result_description: str = "Method Not Allowed",
+        result_code: str = "405",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)
+
+    @staticmethod
+    def bad_request(
+        result_description: str = "Bad Request",
+        result_code: str = "400",
+        data: Optional[Dict[str, Any]] = None
+    ) -> Dict[str, Any]:
+        return ResponseHelper.build_response(result_code, result_description, data)

app/api/integrations/__init__.py

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+from .simbrella import SimbrellaIntegration
+from .kafka import KafkaIntegration

app/api/integrations/kafka.py

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+from confluent_kafka import Producer
+import json
+import logging
+from app.config import settings
+
+logger = logging.getLogger(__name__)
+
+
+class KafkaIntegration:
+    _producer = None
+    _config = {
+        "bootstrap.servers": settings.KAFKA_BROKER,
+        "client.id": "loan-service-producer",
+        "acks": "all",
+        "retries": 3,
+        "debug": "broker,topic,msg",
+    }
+
+    @staticmethod
+    def _get_producer():
+        """Kafka producer"""
+        if not KafkaIntegration._producer:
+            KafkaIntegration._producer = Producer(KafkaIntegration._config)
+
+            logger.info(
+                f"Connected to Kafka broker at {KafkaIntegration._config['bootstrap.servers']}"
+            )
+
+        return KafkaIntegration._producer
+
+
+    @staticmethod
+    def delivery_report(err, msg):
+        """Called once for each message produced"""
+        if err is not None:
+
+            logger.error(f'Message delivery failed: {err}')
+            raise RuntimeError(f"Message delivery failed: {err}")
+        
+        else:
+            logger.debug(f'Message delivered to {msg.topic()} [{msg.partition()}] @ offset {msg.offset()}')
+
+
+
+    @staticmethod
+    def send_loan_request(loan_data, request_id, topic):
+        """
+        Send loan request to topic
+
+        Args:
+            loan_data: Loan request payload as dict
+            request_id: Unique request identifier (used as Kafka key)
+        """
+        try:
+
+            # Proceed to send loan request to Kafka
+            producer = KafkaIntegration._get_producer()
+
+            # Sending loan request message to Kafka
+            producer.produce(
+                topic=topic,
+                key=str(request_id),
+                value=json.dumps(loan_data).encode("utf-8"),
+                callback=KafkaIntegration.delivery_report,
+
+            )
+
+            producer.poll(0)
+
+            logger.info(f"Loan request {request_id} queued for processing")
+
+        except Exception as e:
+            logger.error(
+                f"Failed to send loan request to Kafka: {str(e)}", exc_info=True
+            )
+            raise Exception(f"Failed to send loan request to Kafka: {str(e)}")
+
+    @staticmethod
+    def flush():
+        """Shutdown"""
+        producer = KafkaIntegration._get_producer()
+        producer.flush()

app/api/integrations/simbrella.py

@@ -0,0 +1,45 @@
+import httpx
+import json
+from app.utils.logger import logger
+from app.config import settings
+import logging
+
+
+class SimbrellaIntegration:
+    BASE_URL = settings.SIMBRELLA_BASE_URL
+    ENDPOINT_RAC_CHECKS = settings.SIMBRELLA_ENDPOINT_RAC_CHECKS
+
+    @staticmethod
+    def rac_check(customer_id, account_id, transaction_id):
+        """
+        Calls the RACCheck endpoit
+        """
+        url = f"{SimbrellaIntegration.BASE_URL}/{SimbrellaIntegration.ENDPOINT_RAC_CHECKS}"
+        logger.info(f"Contacting Rack Checks EndPoint: {str(url)}", exc_info=True)
+
+        payload = {
+            "customerId": customer_id,
+            "accountId": account_id,
+            "transactionId": str(transaction_id),
+            "fbnTransactionId": str(transaction_id),
+            "countryCode": "NG",
+            "channel": "USSD"
+        }
+
+        headers = {
+            "Content-Type": "application/json",
+            "x-api-key": f"{settings.VALID_API_KEY}",
+            "App-Id": f"{settings.VALID_APP_ID}",
+        }
+
+        try:
+            response = httpx.post(url, json=payload, headers=headers, timeout=10.0)
+
+            logger.info(f"This is Response: {str(response)}", exc_info=True)
+
+            return response
+           
+        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)}")
+  

app/api/middlewares/__init__.py

@@ -0,0 +1,4 @@
+from .verify_api_key import require_api_key
+from .app_id_checker import require_app_id
+from .cors import enforce_json
+from .basic_auth import require_auth

app/api/middlewares/app_id_checker.py

@@ -0,0 +1,27 @@
+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+
+
+VALID_APP_ID = Config.VALID_APP_ID
+
+def require_app_id(f):
+    """Decorator to enforce App-ID validation."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        app_id = request.headers.get("App-ID")
+
+        if not app_id:
+            logger.error("Unauthorized access: Missing App-ID.")
+            return jsonify({"message": "Invalid request"}), 400
+
+
+        if app_id != VALID_APP_ID:
+            logger.error(f"Unauthorized access: Invalid App-ID {app_id}.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/middlewares/basic_auth.py

@@ -0,0 +1,30 @@
+from functools import wraps
+from flask import request, jsonify
+import base64
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+def require_auth(f):
+    @wraps(f)
+    def decorated(*args, **kwargs):
+        auth = request.headers.get('Authorization')
+        if not auth or not check_auth(auth):
+            return jsonify({"message": "Invalid request"}), 401
+        return f(*args, **kwargs)
+    return decorated
+
+def check_auth(auth_header):
+    if not auth_header:
+        return False
+    try:
+        auth_type, credentials = auth_header.split()
+        if auth_type.lower() != "basic":
+            return False
+
+        decoded_credentials = base64.b64decode(credentials).decode("utf-8")
+        user, pwd = decoded_credentials.split(":", 1)
+        return user == USERNAME and pwd == PASSWORD
+    except Exception:
+        return False

app/api/middlewares/cors.py

@@ -0,0 +1,7 @@
+from flask import request, jsonify
+
+
+def enforce_json():
+    """Middleware to enforce JSON Content-Type for incoming requests"""
+    if request.method in ["POST", "PUT", "PATCH"] and request.content_type != "application/json":
+        return jsonify({"message": "Invalid request"}), 400

app/api/middlewares/verify_api_key.py

@@ -0,0 +1,25 @@
+from functools import wraps
+from flask import request, jsonify
+from app.utils.logger import logger
+from app.config import Config
+
+# Load valid API key from environment variables (fallback for testing)
+VALID_API_KEY = Config.VALID_API_KEY
+
+def require_api_key(f):
+    """Decorator to enforce API key authentication."""
+    @wraps(f)
+    def decorated_function(*args, **kwargs):
+        api_key = request.headers.get("X-API-KEY")
+
+        if not api_key:
+            logger.error("Unauthorized access: Missing API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        if api_key != VALID_API_KEY:
+            logger.error("Unauthorized access: Invalid API key.")
+            return jsonify({"message": "Invalid request"}), 400
+
+        return f(*args, **kwargs)
+
+    return decorated_function

app/api/routes/__init__.py

@@ -0,0 +1 @@
+from .routes import api 

app/api/routes/routes.py

@@ -0,0 +1,149 @@
+from flask import Blueprint, request, jsonify, send_from_directory
+from app.api.services import (
+    LoginService,
+    EligibilityCheckService,
+    SelectOfferService,
+    ProvideLoanService,
+    LoanStatusService,
+    RepaymentService,
+    CustomerConsentService,
+    NotificationCallbackService,
+    AuthorizationService,
+)
+from app.utils.logger import logger
+from app.api.middlewares import enforce_json, require_auth
+import os
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    get_jwt_identity,
+    create_refresh_token,
+)
+
+
+api = Blueprint("api", __name__)
+
+
+@api.before_request
+def cors_middleware():
+    """Middleware applied globally to all API routes in this blueprint"""
+    return enforce_json()
+
+
+# Swagger JSON file
+@api.route("/swagger.json", methods=["GET"])
+def swagger_json():
+    swagger_dir = os.path.join("swagger")
+    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)
+
+# EligibilityCheck Endpoint
+@api.route("/Login", methods=["POST"])
+@jwt_required()
+def merms_login():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = LoginService.process_request(data)
+    return response
+
+
+# EligibilityCheck Endpoint
+@api.route("/EligibilityCheck", methods=["POST"])
+@jwt_required()
+def eligibility_check():
+    data = request.get_json()
+    # logger.info(f"EligibilityCheck request received: {data}")
+    response = EligibilityCheckService.process_request(data)
+    return response
+
+
+# SelectOffer Endpoint
+@api.route("/SelectOffer", methods=["POST"])
+@jwt_required()
+def select_offer():
+    data = request.get_json()
+    # logger.info(f"SelectOffer request received: {data}")
+    response = SelectOfferService.process_request(data)
+    return response
+
+
+# ProvideLoan Endpoint
+@api.route("/ProvideLoan", methods=["POST"])
+@jwt_required()
+def provide_loan():
+    data = request.get_json()
+    # logger.info(f"ProvideLoan request received: {data}")
+    response = ProvideLoanService.process_request(data)
+    return response
+
+
+# LoanStatus Endpoint
+@api.route("/LoanStatus", methods=["POST"])
+@jwt_required()
+def loan_status():
+    data = request.get_json()
+    # logger.info(f"LoanStatus request received: {data}")
+    response = LoanStatusService.process_request(data)
+    return response
+
+
+# Repayment Endpoint
+@api.route("/Repayment", methods=["POST"])
+@jwt_required()
+def repayment():
+    data = request.get_json()
+    logger.error(f"HERE 0000a **** ")
+    # logger.info(f"Repayment request received: {data}")
+    response = RepaymentService.process_request(data)
+    return response
+
+
+# CustomerConsent Endpoint
+@api.route("/CustomerConsent", methods=["POST"])
+@jwt_required()
+def customer_consent():
+    data = request.get_json()
+    # logger.info(f"CustomerConsent request received: {data}")
+    response = CustomerConsentService.process_request(data)
+    return response
+
+
+# NotificationCallback Endpoint
+@api.route("/NotificationCallback", methods=["POST"])
+@jwt_required()
+def notification_callback():
+    data = request.get_json()
+    # logger.info(f"NotificationCallback request received: {data}")
+    response = NotificationCallbackService.process_request(data)
+    return response
+
+
+# Health Check Endpoint
+@api.route("/health", methods=["GET"])
+def health_check():
+    return {"status": "ok"}, 200
+
+
+# Authorize endpoint
+@api.route("/Authorize", methods=["POST"])
+def authorize():
+    data = request.get_json()
+    # logger.info(f"Authorize request received: {data}")
+    response = AuthorizationService.process_request(data)
+    return response
+
+
+# Authorize refresh endpoint
+@api.route("/AuthorizeRefresh", methods=["POST"])
+@jwt_required(refresh=True)
+def refresh():
+    data = request.get_json()
+    # logger.info(f"Authorize refresh request received: {data}")
+    response = AuthorizationService.process_refresh_request()
+    return response

app/api/schemas/authorization.py

@@ -0,0 +1,6 @@
+from marshmallow import Schema, fields
+
+
+class AuthorizeRequestSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)

app/api/schemas/customer_consent.py

@@ -0,0 +1,11 @@
+from marshmallow import Schema, fields
+
+# Customer Consent Schema
+class CustomerConsentSchema(Schema):
+    type = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    requestTime = fields.DateTime(required=True, format="%Y-%m-%d %H:%M:%S.%f")
+    consentType = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/eligibility_check.py

@@ -0,0 +1,10 @@
+from marshmallow import Schema, fields
+
+class EligibilityCheckSchema(Schema):
+    transactionId = fields.Str(required=True)
+    countryCode = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/loan_status.py

@@ -0,0 +1,9 @@
+from marshmallow import Schema, fields
+
+# Loan Information Schema
+class LoanStatusSchema(Schema):
+    transactionId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    channel = fields.Str(required=True)

app/api/schemas/login.py

@@ -0,0 +1,5 @@
+from marshmallow import Schema, fields
+
+class LoginSchema(Schema):
+    username = fields.Str(required=True)
+    password = fields.Str(required=True)

app/api/schemas/notification_callback.py

@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Notification Callback Schema
+class NotificationCallbackSchema(Schema):
+    fbnTransactionId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    debtId = fields.Str(required=True)
+    transactionType = fields.Str(required=True)
+    amountProvided = fields.Float(required=True)
+    amountCollected = fields.Float(required=True)
+    responseCode = fields.Str(required=True)
+    responseDescription = fields.Str(required=True)

app/api/schemas/provide_loan.py

@@ -0,0 +1,16 @@
+from marshmallow import Schema, fields
+
+# Provide Loan Schema
+class ProvideLoanSchema(Schema):
+    type = fields.Str(required=False)
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=False)
+    # productId = fields.Str(required=True)
+    # lienAmount = fields.Float(required=True)
+    requestedAmount = fields.Float(required=True)
+    collectionType = fields.Int(required=True)
+    offerId = fields.Str(required=True)
+    channel = fields.Str(required=True)

app/api/schemas/repayment.py

@@ -0,0 +1,12 @@
+from marshmallow import Schema, fields
+
+# Repayment Schema
+class RepaymentSchema(Schema):
+    type = fields.Str(required=False)
+    msisdn = fields.Str(required=False) #optional
+    debtId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    loanRef = fields.Str(required=True)
+    initiatedBy = fields.Str(required=False)

app/api/schemas/select_offer.py

@@ -0,0 +1,14 @@
+from marshmallow import Schema, fields
+
+# Select Offer Schema
+class SelectOfferSchema(Schema):
+    requestId = fields.Str(required=True)
+    transactionId = fields.Str(required=True)
+    customerId = fields.Str(required=True)
+    accountId = fields.Str(required=True)
+    msisdn = fields.Str(required=True)
+    requestedAmount = fields.Float(required=True)
+    productId = fields.Str(required=True)
+    offerId = fields.Str(required=True)
+    channel = fields.Str(required=True)
+

app/api/services/__init__.py

@@ -0,0 +1,10 @@
+from app.api.services.eligibility_check import EligibilityCheckService
+from app.api.services.select_offer import SelectOfferService
+from app.api.services.provide_loan import ProvideLoanService
+from app.api.services.loan_status import LoanStatusService
+from app.api.services.repayment import RepaymentService
+from app.api.services.customer_consent import CustomerConsentService
+from app.api.services.notification_callback import NotificationCallbackService
+from app.api.services.authorization import AuthorizationService
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.services.login import LoginService

app/api/services/authorization.py

@@ -0,0 +1,102 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.utils.logger import logger
+from app.api.schemas.authorization import AuthorizeRequestSchema
+from app.api.helpers.response_helper import ResponseHelper
+from flask_jwt_extended import (
+    JWTManager,
+    jwt_required,
+    create_access_token,
+    create_refresh_token,
+    get_jwt_identity,
+)
+from app.config import Config
+
+USERNAME = Config.BASIC_AUTH_USERNAME
+PASSWORD = Config.BASIC_AUTH_PASSWORD
+
+
+class AuthorizationService(BaseService):
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Authorization request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing Authorization request")
+
+            if not data:
+                return ResponseHelper.bad_request(result_description="Missing JSON in request")
+
+            # Validate input data using the Authorization schema
+            schema = AuthorizeRequestSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            if (
+                validated_data["username"] != USERNAME
+                or validated_data["password"] != PASSWORD
+            ):
+                return ResponseHelper.unauthorized(result_description="Invalid credentials")
+
+            access_token = create_access_token(identity=validated_data["username"])
+            refresh_token = create_refresh_token(identity=validated_data["username"])
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+                "refresh_token": refresh_token,
+            }
+
+            return ResponseHelper.success(
+                data={"data": response_data}, result_description="Authorization processed successfully"
+            )
+
+        except ValidationError as e:
+            logger.error(f"Validation error: {e}")
+            return ResponseHelper.bad_request(result_description=f"Validation error: {e}")
+
+        except Exception as e:
+            logger.error(f"Error processing Authorization request: {e}")
+            return ResponseHelper.internal_server_error(
+                result_description=f"Error processing Authorization request: {e}"
+            )
+
+    @staticmethod
+    def process_refresh_request():
+        """
+        Process the RefreshToken request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing RefreshToken request")
+
+            identity = get_jwt_identity()
+            access_token = create_access_token(identity=identity)
+
+            # Simulated processing logic
+            response_data = {
+                "access_token": access_token,
+            }
+
+            return ResponseHelper.success(
+                data={"data": response_data}, result_description="RefreshToken processed successfully"
+            )
+
+        except Exception as e:
+            logger.error(f"Error processing RefreshToken request: {e}")
+            return ResponseHelper.internal_server_error(
+                result_description=f"Error processing RefreshToken request: {e}"
+            )

app/api/services/base_service.py

@@ -0,0 +1,175 @@
+from app.models import Customer, Account, Transaction
+from app.api.enums import TransactionType
+from flask import jsonify
+from marshmallow import ValidationError
+import logging
+from app.api.integrations import KafkaIntegration
+
+logger = logging.getLogger(__name__)
+
+class BaseService:
+    TRANSACTION_TYPE = None
+
+    @classmethod
+    def validate_data(cls, data, schema):
+        """
+        Validate input data based on the provided schema.
+        """
+        logger.info(f"Processing {cls.TRANSACTION_TYPE} request")
+        return schema.load(data)
+
+    @classmethod
+    def get_or_create_customer(cls, validated_data):
+        
+        """
+        Check if a customer exists; if not, create one.
+        """
+
+        customer = Customer.query.filter_by(id=validated_data.get("customerId")).first()
+        if not customer:
+            customer = Customer.create_customer(
+                id=validated_data.get("customerId"),
+                msisdn=validated_data.get("msisdn"),
+                country_code=validated_data.get("countryCode"),
+                account_id=validated_data.get("accountId"),
+            )
+        return customer
+
+    @classmethod
+    def validate_account_ownership(cls, account_id, customer_id):
+        """
+        Check if the provided account belongs to the customer.
+        """
+        is_valid = Account.is_valid_account(account_id, customer_id)
+        return is_valid
+
+    @classmethod
+    def log_transaction(cls, validated_data):
+        """
+        Create a new transaction.
+        """
+        channel = "USSD" if validated_data.get("channel") is None else validated_data.get("channel")
+
+        return Transaction.create_transaction(
+            transaction_id = validated_data.get("transactionId"),
+            customer_id =  validated_data.get('customerId', None),
+            account_id = validated_data.get("accountId", None),  
+            type = cls.TRANSACTION_TYPE,
+            channel = channel,
+        )
+    
+    @classmethod
+    def async_send_to_kafka(cls, loan_data, request_id, topic):
+        KafkaIntegration.send_loan_request(loan_data = loan_data, request_id = request_id, topic = topic)
+        KafkaIntegration.flush()
+
+
+    @classmethod
+    def calculate_charges(cls, offer, amount):
+        """
+        Calculates and returns the charges for the given offer and amount.
+        
+        Args:
+            offer (Offer): The offer object that contains the charges.
+            amount (float): The requested loan amount.
+        
+        Returns:
+            dict: A dictionary containing the calculated charges.
+        """
+        if not offer or not offer.charges:
+            logger.error(f"No charges found for offer ID {offer.id}")
+            return {"error": "No charges found for the offer"}
+
+        loan_charges = offer.charges
+        tenor = offer.schedule # offer.tenor // 30 # Convert to months
+        interest =  cls.get_charge_detail(rates = offer.interest_rate, charges = loan_charges, code = "INTEREST", amount = amount)
+        management = cls.get_charge_detail(rates = offer.management_rate,  charges = loan_charges, code = "MGTFEE", amount = amount)
+        insurance = cls.get_charge_detail(rates = offer.insurance_rate, charges = loan_charges, code = "INSURANCE", amount = amount)
+        vat = cls.get_charge_detail(rates = offer.vat_rate, charges = loan_charges, code = "VAT", amount = amount, management_fee = management["fee"])
+
+        # Separate fees into upfront and postpaid
+        upfront_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] == 0
+        ]
+
+        postpaid_fees = [
+            fee["fee"]
+            for fee in [interest, management, insurance, vat]
+            if fee["due_days"] != 0
+        ]
+        vat_test  = vat["fee"]
+        logger.info(f"VAT fee ==  *************** : {vat_test}")
+
+        # Up-front payment: (only those fees due immediately i.e due_days == 0)
+        # upfront_payment = sum(upfront_fees)
+        if offer.schedule == 1:
+            upfront_payment = vat["fee"] + management["fee"] + insurance["fee"] + interest["fee"]
+            interest_amount = interest["fee"]
+            repayment_amount = amount
+        else:
+            upfront_payment = vat["fee"] + insurance["fee"]+management["fee"]
+            interest_amount = interest["fee"]*offer.schedule
+            repayment_amount = amount +  interest_amount
+
+
+        # Repayment amount: (principal + only those fees not due immediately i.e due_days != 0)
+       # repayment_amount = amount + (sum(postpaid_fees) * tenor)
+
+        # Total amount: (upfront_payment + repayment_amount)
+        total_amount = upfront_payment + repayment_amount
+
+        # Calculate the installment amount
+        installment_amount = repayment_amount / offer.schedule
+
+        return {
+            "interest": interest,
+            "interest_amount": interest_amount,
+            "management": management,
+            "insurance": insurance,
+            "vat": vat,
+            "upfront_payment": round(upfront_payment, 2),
+            "repayment_amount": round(repayment_amount, 2),
+            "installment_amount": round(installment_amount, 2),
+            "total_amount": round(total_amount, 2)
+        }
+
+    
+    @classmethod
+    def get_charge_detail(cls, rates, charges, code, amount, management_fee= 0.0):
+        """
+        Get details for a specific charge code from a list of loan charges.
+
+        Returns default values if not found.
+        """
+        fee = 0.0
+
+        if code == "VAT" and management_fee > 0:
+            fee = management_fee * rates / 100
+        else:
+            fee = amount * rates / 100
+
+        return {
+            "rate": rates,
+            "fee": round(fee, 2),
+            "due_days": 30,
+            "code": code,
+            "description" :  "have no idea how to get this yet"
+        }
+
+        # if charge.code == code:
+        #     if code == "VAT" and management_fee > 0:
+        #         fee = management_fee * rates / 100
+        #     else:
+        #         fee = amount * rates / 100
+        #
+        #     return {
+        #         "rate": rates,
+        #         "fee": round(fee, 2),
+        #         "due_days": charge.due
+        #     }
+            
+       # return {"rate": 0, "fee": 0, "due_days": 0}
+
+

app/api/services/customer_consent.py

@@ -0,0 +1,60 @@
+from flask import request, jsonify
+from app.api.helpers.response_helper import ResponseHelper
+from app.api.services.base_service import BaseService
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.schemas.customer_consent import CustomerConsentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType 
+from app.extensions import db
+
+
+class CustomerConsentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.CUSTOMER_CONSENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the CustomerConsent request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = CustomerConsentService.validate_data(data, CustomerConsentSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+
+                if(CustomerConsentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    
+                    transaction = CustomerConsentService.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")
+
+
+                db.session.commit()
+                return ResponseHelper.success(result_description="Request is received")
+            
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/eligibility_check.py

@@ -0,0 +1,198 @@
+from flask import session, jsonify
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.services.base_service import BaseService
+from app.api.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+from app.api.enums import TransactionType
+from app.api.integrations import SimbrellaIntegration
+from app.extensions import db
+from app.models import Offer, RACCheck
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.helpers.response_helper import ResponseHelper
+
+import random
+
+
+class EligibilityCheckService(BaseService):
+    TRANSACTION_TYPE = TransactionType.ELIGIBILITY_CHECK 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the EligibilityCheck request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+
+                validated_data = EligibilityCheckService.validate_data(data, EligibilityCheckSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+                transactionId = validated_data.get('transactionId')
+                msisdn = validated_data.get('msisdn')
+
+                customer = EligibilityCheckService.get_or_create_customer(validated_data = validated_data)
+
+                if (EligibilityCheckService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                
+                    transaction = EligibilityCheckService.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")
+                
+                db.session.flush()
+
+                # Determine Loan count
+                is_eligible = EligibilityCheckService.check_loan_limits(customer_id)
+
+                if not is_eligible:
+                    return ResponseHelper.error(result_description="Max loan count reached")
+                
+                # Call RACCheck
+                response = SimbrellaIntegration.rac_check(
+                    customer_id = customer_id,
+                    account_id = account_id,
+                    transaction_id = transaction.transaction_id,
+                )
+
+                # this chek for error is not valid
+                if response.status_code != 200:
+                    return ResponseHelper.error(result_description="RACCheck failed")
+                
+                response = response.json()
+
+                logger.info(f"This is Response (from Eligibility Check): {str(response)}", exc_info=True)
+
+                
+                if not response or response['responseCode'] != '00':
+
+                    if response:
+                        logger.error(f"{response['responseMessage']}")
+
+                    return ResponseHelper.error(result_description=f"RACCheck failed")
+
+                rack_checks_response = response['data']['racResponse']
+
+                rac_check = RACCheck.add_rac_check(
+                    customer_id = customer_id,
+                    account_id = account_id,
+                    transaction_id = transaction.transaction_id,
+                    data = rack_checks_response
+                    )
+
+                if not rac_check:
+                    logger.error(f"Failed to save RACCheck")
+                    return ResponseHelper.error(result_description="Failed to save RACCheck.")
+
+                # -----------------TIME FOR ANALYSIS TO REGISTER OFFER ----------------------
+                # eligible_offers = []
+                try:
+                  eligible_offers = OfferAnalysis.decide_offer(
+                        transaction_id=transactionId,
+                        rac_check=rac_check,
+                        validated_data=validated_data,
+                        customer_id=customer_id,
+                        rack_checks_response =rack_checks_response
+                    )
+                except ValueError as ve:
+                    logger.error(str(ve))
+                    return ResponseHelper.error(result_description= str(ve))
+# -----------------------------------------------------------------------
+#                 s = Offer.get_all_offers()
+
+                # eligible_offers = []
+
+                # for offer in offers:
+                #     # Determine an approved amount
+                #     random_float = random.random() # temporary to play data
+                #     approved_amount = min(offer.max_amount, offer.max_amount * random_float) #temporary for now
+                #     approved_amount = round(approved_amount, 2)
+                #
+                #     transaction_offer = TransactionOffer.create_transaction_offer(
+                #         customer_id = customer.id,
+                #         transaction_id = transaction.transaction_id,
+                #         offer_id = offer.id,
+                #         min_amount = offer.min_amount,
+                #         max_amount = offer.max_amount,
+                #         eligible_amount = approved_amount,
+                #         product_id = offer.product_id,
+                #         tenor = offer.tenor
+                #     )
+                #
+                #     # Visible offer ID: offer_id + padded(transaction_offer.id)
+                #     padded_id = str(transaction_offer.id).zfill(6)
+                #     public_offer_id = f"{offer.id}{padded_id}"
+                #
+                #     eligible_offers.append({
+                #         "offerId": public_offer_id,
+                #         "product_id": offer.product_id,
+                #         "min_amount": offer.min_amount,
+                #         "max_amount": approved_amount,
+                #         "tenor": offer.tenor
+                #     })
+
+                # Simulate processing
+                response_data = {
+                    "customerId": customer_id,
+                    "transactionId": transactionId,
+                    "countryCode": "NG",
+                    "msisdn": msisdn,
+                    "eligibleOffers": eligible_offers,
+                    "accountId": account_id
+                    }
+
+                return ResponseHelper.success(data=response_data)
+        
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()
+        
+
+    @staticmethod
+    def check_loan_limits(customer_id):
+        """
+        Checks if a customer has exceeded the loan limits for given offer.
+        """  
+        loan = Loan.get_customer_last_loan(customer_id)
+
+        if not loan:
+            return True
+        
+        offer_id = loan.offer_id[:5]
+
+        offer = Offer.get_offer_by_id(offer_id)
+        if not offer:
+            logger.error(f"Offer not found for offer_id: {offer_id} (customer_id: {customer_id})")
+            return False
+
+        daily_count = Loan.get_daily_loan_count(customer_id, offer.product_id)
+        
+        
+        logger.info(f"daily_count: {daily_count}, Max: {offer.max_daily_loans}")
+
+        if offer.max_daily_loans is not None and daily_count >= offer.max_daily_loans:
+            return False
+        
+
+        return True

app/api/services/loan_status.py

@@ -0,0 +1,81 @@
+from flask import request, jsonify
+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.services.base_service import BaseService
+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 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Loan Information request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                # Validate data
+                validated_data = LoanStatusService.validate_data(data, LoanStatusSchema())
+
+                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')
+
+                if(LoanStatusService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    # Get loans
+                    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")
+
+                total_debt_amount = sum(
+                    loan.get("currentLoanAmount") or 0
+                    for loan in loans
+                    )
+
+                # Simulated processing logic
+                response_data = {
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "transactionId": transactionId,
+                    "loans": loans,
+                    "totalDebtAmount": total_debt_amount,
+                }
+
+                db.session.commit()
+                return ResponseHelper.success(data=response_data)
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/login.py

@@ -0,0 +1,137 @@
+from flask import session, jsonify
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.services.base_service import BaseService
+from app.api.schemas.eligibility_check import EligibilityCheckSchema
+from marshmallow import ValidationError
+from app.api.enums import TransactionType
+from app.api.integrations import SimbrellaIntegration
+from app.extensions import db
+from app.models import Offer, RACCheck, Members
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.helpers.response_helper import ResponseHelper
+from werkzeug.security import generate_password_hash, check_password_hash
+from app.api.schemas.login import LoginSchema
+import datetime
+import jwt
+import random
+from app.config import Config
+
+
+class LoginService(BaseService):
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Login request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+
+                validated_data = LoginService.validate_data(data, LoginSchema())
+                username = validated_data.get('username')
+                password = validated_data.get('password')
+
+                member = Members.get_member_by_username(username)
+                # pass22 = generate_password_hash(password)
+                # logger.info("Password generated = >  {}".format(pass22) )
+
+                pass_check =  check_password_hash(member.password, password)
+                logger.info("Password check: {}".format(pass_check))
+                if not member or not pass_check:
+                    invalid_data = {
+                        "error_message": "invalid username or password",
+                        "message_key": "invalid_username_or_password",
+                    }
+                    return ResponseHelper.success(data=invalid_data)
+
+                user_data = {}
+                user_data["id"] = member.id,
+                user_data["member_id"]= member.id,
+                user_data["uid"] = str(member.uid),
+
+                user_token = jwt.encode(
+                        {"user": user_data, 'exp' : datetime.datetime.utcnow() + datetime.timedelta(minutes=3330)},
+                        Config.JWT_SECRET_KEY,
+                        algorithm="HS256"
+                    )
+
+                # Simulate processing
+                response_data = {
+                    "member_id": member.id,
+                    "uid":  str(member.uid),
+                    "username": member.username,
+                    "account_name": member.account_name,
+                    "firstname":member.firstname,
+                    "lastname": member.lastname,
+                    "room":  member.uid,
+                    "token": user_token
+                }
+
+                # user = {}
+                # user_data = {}
+                # user_data["id"] = result_data["member_id"]
+                # user_data["member_id"] =result_data["member_id"]
+                # user_data["uid"] = result_data["uid"]
+
+                # token should expire after 24 hrs
+                # user["token"] = jwt.encode(
+                #     {"user": user_data, 'exp' : datetime.datetime.utcnow() + datetime.timedelta(minutes=3330)},
+                #     Config.JWT_SECRET_KEY,
+                #     algorithm="HS256"
+                # )
+                # user["room"] = result_data["uid"]
+                # response_data = {
+                #     "message": "Successfully fetched auth token",
+                #     "data": user_data
+                # }
+
+                return ResponseHelper.success(data=response_data)
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()
+
+    @staticmethod
+    def check_loan_limits(customer_id):
+        """
+        Checks if a customer has exceeded the loan limits for given offer.
+        """
+        loan = Loan.get_customer_last_loan(customer_id)
+
+        if not loan:
+            return True
+
+        offer_id = loan.offer_id[:5]
+
+        offer = Offer.get_offer_by_id(offer_id)
+        if not offer:
+            logger.error(f"Offer not found for offer_id: {offer_id} (customer_id: {customer_id})")
+            return False
+
+        daily_count = Loan.get_daily_loan_count(customer_id, offer.product_id)
+
+        logger.info(f"daily_count: {daily_count}, Max: {offer.max_daily_loans}")
+
+        if offer.max_daily_loans is not None and daily_count >= offer.max_daily_loans:
+            return False
+
+        return True

app/api/services/notification_callback.py

@@ -0,0 +1,47 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.utils.logger import logger
+from app.api.schemas.notification_callback import NotificationCallbackSchema
+from app.extensions import db
+from app.api.helpers.response_helper import ResponseHelper
+
+class NotificationCallbackService(BaseService):
+    TRANSACTION_TYPE = TransactionType.NOTIFICATION_CALLBACK 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the NotificationCallback request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing NotificationCallback request")
+
+            # Validate input data using the NotificationCallback schema
+            schema = NotificationCallbackSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            return ResponseHelper.success()
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/offer_analysis.py

@@ -0,0 +1,250 @@
+from decimal import Decimal
+from app.models import Offer, TransactionOffer
+from app.models.loan import Loan
+import random
+import logging
+
+from app.config import Config
+
+RAC_TRUE_CHECK_RULES = Config.rac_true_rules
+RAC_FALSE_CHECK_RULES = Config.rac_false_rules
+RAC_SALARY_PAYMENTS = Config.rac_salary_payments
+
+logger = logging.getLogger(__name__)
+
+class OfferAnalysis:
+
+    @staticmethod
+    def get_offer(transaction_id, rac_response, validated_data):
+        customer_id = validated_data.get("customerId")
+        product_id = validated_data.get("productId")
+        offer_id = validated_data.get("offerId")
+
+        transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+        logger.info(f"customer_id ==  *************** : {customer_id}")
+        logger.info(f"product_id  ==  *************** : {product_id}")
+        logger.info(f"offer_id    ==  *************** : {offer_id}")
+        logger.info(f"transaction_offer_id    ==  *************** : {transaction_offer_id}")
+
+        transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, product_id)
+
+        if not transaction_offer:
+            raise ValueError("Invalid Transaction Offer.")
+
+        eligible_amount =  transaction_offer.eligible_amount
+        offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+        if not offer:
+            raise ValueError("Invalid Offer.")
+        original_transaction =  transaction_id
+
+        return transaction_offer, offer, eligible_amount, original_transaction
+    @staticmethod
+    def _analyze_rack_checks(rack_response, offer):
+        logger.info(f"This is PayLoad for ANALYSYS ***** : {str(rack_response)}", exc_info=True)
+        logger.info(f"RACk TRUE RULES    {str(RAC_TRUE_CHECK_RULES)}", exc_info=True)
+        logger.info(f"RACk FALSE RULES   {str(RAC_FALSE_CHECK_RULES)}", exc_info=True)
+        logger.info(f"RACk SALARY PAYMENTS   {str(RAC_SALARY_PAYMENTS)}", exc_info=True)
+
+        if not isinstance(rack_response, dict) or not offer :
+            raise ValueError("Invalid RAC response format.")
+        
+
+        
+        failed_true_rules = []
+        failed_false_rules = []
+        salaries = []
+
+        # Expects true
+        for rule in RAC_TRUE_CHECK_RULES:
+            if not rack_response.get(rule, False):
+                failed_true_rules.append(rule)
+
+        # Expects false
+        for rule in RAC_FALSE_CHECK_RULES:
+            if rack_response.get(rule, True):
+                failed_false_rules.append(rule)
+
+
+        # Salary rules
+        for key in RAC_SALARY_PAYMENTS:
+            value = rack_response.get(key)
+
+           
+            if isinstance(value, Decimal):
+                 # Only use values greater than 0
+                if value > 0:
+                    salaries.append(value)
+            elif isinstance(value, (int, float, str)):
+                try:
+                    value = Decimal(str(value))
+                    if value > 0:
+                        salaries.append(value)
+                except:
+                    logger.warning(f"Could not convert value of {key} to Decimal: {value}")
+
+
+        if failed_true_rules or failed_false_rules or not salaries:
+            logger.warning(f"Failed TRUE rules: {failed_true_rules}")
+            logger.warning(f"Failed FALSE rules: {failed_false_rules}")
+            logger.warning("No salary records found in RAC response.")
+            raise ValueError(f"RAC analysis failed")
+        
+
+
+        logger.info(f"These are the salary amounts ***** : {str(salaries)}", exc_info=True)
+
+        #Least salary in the last 6 months
+        min_salary = min(salaries)
+
+        # Check consistency rule
+        consistent_income = rack_response.get("rule7_consistent_salary_amount", False)
+
+         # Determine percentage based on offer tenor
+        tenor = offer.tenor
+        
+        if tenor == 30 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.5")
+            logger.info("Applying 50% of least salary in 6 months due to 1-month offer tenor with stable income.")
+        elif tenor == 90 and consistent_income:
+            eligible_amount = min_salary * Decimal("0.75")
+            logger.info("Applying 75% of least salary in 6 months due to 3-months offer tenor with stable income.")
+           
+        else:  # Income is not consistent
+            eligible_amount = 0
+            logger.info("Applying no percentage on least salary due unstable income.")
+            
+
+
+        logger.info(f"Calculated eligible amount from RAC: {eligible_amount} based on {'stable' if consistent_income else 'unstable'} income.")
+
+        return eligible_amount.quantize(Decimal("1.00"))  
+    
+        # "racResponse": {
+        #     "accountStatus": true,
+        #     "bvnValidated": true,
+        #     "creditBureauCheck": false,
+        #     "crmsCheck": true,
+        #     "hasLien": false,
+        #     "hasPastDueLoan": false,
+        #     "hasSalaryAccount": true,
+        #     "isWhitelisted": true,
+        #     "noBouncedCheck": true
+        # },
+        #
+
+        '''
+        30 days
+        Eligibility amount (monthly SOL) - Adoption of 50% of the least salary inflow in the past 6 months
+        to determine loan eligibility for potential customers.
+
+        3 months
+        Adoption of 75% of the least salary inflow in the past 6 months to determine loan eligibility for
+        potential customers" for customers that have unstable income.   3 months
+        '''
+        # rac_true_rules
+
+        return 0
+
+    @staticmethod
+    def decide_offer(transaction_id, rac_check, validated_data, customer_id, rack_checks_response):
+        eligible_offers = []
+        # if we have active offers - we have to feed off it
+        logger.info(f"**RACK ANALYSIS** {customer_id}")
+        # Analyze Rack Checks
+        # new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response)  #--> We need detail analysis
+
+        # we can now find the origin transactions
+        # Find the last loan - it will have original_transaction
+        last_customer_loan = Loan.get_customer_last_loan(customer_id)
+        # logger.info(f"{last_customer_loan}")
+
+        if last_customer_loan:
+            original_transaction = last_customer_loan.original_transaction or last_customer_loan.transaction_id
+            logger.info(f"transaction_id |-| original_transaction === > {transaction_id} {original_transaction}")
+            original_loan  = Loan.get_customer_original_loan(customer_id, original_transaction)
+            if original_loan is not None:
+                logger.info(f"original_loan === > {original_loan}")
+                logger.info(f"loan_offer_id === > {original_loan.offer_id}")
+
+                original_offer_id = str(original_loan.offer_id[:5])  # The last part is str
+                transaction_offer_id = int(original_loan.offer_id[5:])  # The last part is int
+                original_transaction_offer = TransactionOffer.is_valid_transaction_offer(transaction_offer_id, customer_id, original_loan.product_id)
+
+                active_loans = Loan.get_active_loans_by_original_transaction(original_transaction)
+                sum_active_loans = sum(loan.current_loan_amount for loan in active_loans)
+                logger.info(f"sum_active_loans === > {sum_active_loans}")
+                real_eligible_amount = original_loan.eligible_amount - sum_active_loans
+
+                if real_eligible_amount < original_transaction_offer.min_amount:
+                    logger.error(f"Max eligible amount ({real_eligible_amount}) is less than the minimum offer amount ({original_transaction_offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+                transaction_offer = TransactionOffer.create_transaction_offer(
+                    customer_id=customer_id,
+                    transaction_id=transaction_id,
+                    original_transaction=original_transaction,
+                    offer_id=original_offer_id,
+                    min_amount=original_transaction_offer.min_amount,
+                    max_amount=original_transaction_offer.max_amount,
+                    eligible_amount=real_eligible_amount,
+                    product_id=original_loan.product_id,
+                    tenor=original_loan.tenor
+                )
+
+                # Visible offer ID: offer_id + padded(transaction_offer.id)
+                padded_id = str(transaction_offer.id).zfill(6)
+                public_offer_id = f"{original_offer_id}{padded_id}"
+
+                eligible_offers.append({
+                    "offerId": public_offer_id,
+                    "product_id": original_transaction_offer.product_id,
+                    "min_amount": original_transaction_offer.min_amount,
+                    "max_amount": round(real_eligible_amount, 2),
+                    "tenor": original_loan.tenor
+                })
+                return eligible_offers
+
+
+        offers = Offer.get_all_offers()
+
+
+        for offer in offers:
+           
+            new_eligible_amount = OfferAnalysis._analyze_rack_checks(rack_checks_response, offer)
+
+
+            approved_amount = new_eligible_amount 
+            approved_amount = round(approved_amount, 2)
+
+            if approved_amount < offer.min_amount:
+                    logger.error(f"Max eligible amount ({approved_amount}) is less than the minimum offer amount ({offer.min_amount}).")
+                    raise ValueError("You are not eligible for a loan at this time.")
+
+
+            transaction_offer = TransactionOffer.create_transaction_offer(
+                customer_id=customer_id,
+                transaction_id=transaction_id,
+                original_transaction=transaction_id,
+                offer_id=offer.id,
+                min_amount=offer.min_amount,
+                max_amount=offer.max_amount,
+                eligible_amount=approved_amount,
+                product_id=offer.product_id,
+                tenor=offer.tenor
+            )
+
+            # Visible offer ID: offer_id + padded(transaction_offer.id)
+            padded_id = str(transaction_offer.id).zfill(6)
+            public_offer_id = f"{offer.id}{padded_id}"
+
+            eligible_offers.append({
+                "offerId": public_offer_id,
+                "product_id": offer.product_id,
+                "min_amount": offer.min_amount,
+                "max_amount": approved_amount,
+                "tenor": offer.tenor
+            })
+
+        return eligible_offers

app/api/services/provide_loan.py

@@ -0,0 +1,198 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.integrations.kafka import KafkaIntegration
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType   
+from app.models.customer import Customer
+from app.models.loan_charge import LoanCharge
+from app.utils.logger import logger
+from app.api.schemas.provide_loan import ProvideLoanSchema
+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
+from dateutil.relativedelta import relativedelta
+from app.models import LoanRepaymentSchedule 
+from app.api.services.offer_analysis import OfferAnalysis
+from app.api.helpers.response_helper import ResponseHelper
+
+class ProvideLoanService(BaseService):
+    TRANSACTION_TYPE = TransactionType.PROVIDE_LOAN 
+
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the ProvideLoan request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = ProvideLoanService.validate_data(data, ProvideLoanSchema())
+                account_id = validated_data.get('accountId')
+                customer_id =  validated_data.get('customerId')
+                request_id =  validated_data.get('requestId')
+                collection_type =  validated_data.get('collectionType')
+                transaction_id = validated_data.get('transactionId')
+                offer_id = validated_data.get('offerId')
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
+                channel = validated_data.get('channel')
+
+                customer = Customer.is_valid_customer(customer_id)
+
+                if (ProvideLoanService.validate_account_ownership(account_id = account_id, customer_id = customer_id)): 
+
+                    rac_response = RACCheck.get_rac_check(customer_id = customer_id, account_id = account_id)
+
+                    try:
+                      transaction_offer, offer, eligible_amount, original_transaction = OfferAnalysis.get_offer(
+                            transaction_id=transaction_id,
+                            rac_response=rac_response,  
+                            validated_data=validated_data
+                        )
+                    except ValueError as ve:
+                        logger.error(str(ve))
+                        return ResponseHelper.error(result_description=str(ve))
+
+
+                    if(amount < transaction_offer.min_amount):
+                        return ResponseHelper.error(result_description="The amount is less than the minimum allowed transaction amount.")
+                    elif amount > transaction_offer.max_amount:
+                        return ResponseHelper.error(result_description="The amount is greater than the maximum allowed transaction amount.")
+
+                    
+                    # transaction_offer_id =  int(offer_id[5:]) # The last part is int
+
+                    # transaction_offer =  TransactionOffer.is_valid_transaction_offer(transaction_offer_id)
+                    
+                    # if not transaction_offer:
+                    #     logger.error(f"Invalid Transaction Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Transaction Offer."
+                    #     }), 400
+
+                    # eligible_amount =  transaction_offer.eligible_amount
+                    # offer = Offer.is_valid_offer( transaction_offer.offer_id)
+
+                    # if not offer:
+                    #     logger.error(f"Invalid Offer")
+                    #     return jsonify({
+                    #         "message": "Invalid Offer."
+                    #     }), 400
+                    
+                    
+                    # Log Transaction
+                    transaction = ProvideLoanService.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.")
+                    
+
+                    db.session.flush()
+
+                    charges = ProvideLoanService.calculate_charges(offer, amount)
+                    upfront_fee = charges["upfront_payment"]
+                    repayment_amount = charges["repayment_amount"]
+                    #installment_amount = charges["installment_amount"]
+                    num_schedules = offer.schedule
+
+                    upfront_payment = charges["upfront_payment"]
+                    total_amount = charges["total_amount"]
+                    installment_amount = charges["installment_amount"]
+                    interest = charges["interest"]
+                    management = charges["management"]
+                    insurance = charges["insurance"]
+                    vat = charges["vat"]
+                    
+                    padded_id = str(transaction_id).zfill(12)
+                    loan_ref = f"{padded_id}{channel}{offer.product_id}"
+
+
+                    # Save the loan details
+                    loan = Loan.create_loan(
+                        customer_id = customer_id,
+                        account_id = account_id,
+                        offer_id = offer_id,
+                        product_id = offer.product_id,
+                        collection_type = collection_type,
+                        transaction_id = validated_data.get('transactionId'),
+                        original_transaction = transaction_offer.original_transaction,
+                        initial_loan_amount = validated_data.get('requestedAmount'),
+                        upfront_fee = upfront_fee,
+                        repayment_amount = repayment_amount,
+                        installment_amount = installment_amount,
+                        eligible_amount=eligible_amount,
+                        status = LoanStatus.ACTIVE,
+                        tenor = offer.tenor,
+                        reference = loan_ref
+                    )
+
+                    if not loan:
+                        logger.error(f"Failed to save loan details")
+                        
+                        return ResponseHelper.error(result_description="Failed to save loan details.")
+
+                    db.session.flush()
+                    current_product_id = offer.product_id
+                    schedule = LoanRepaymentSchedule.add_repayment_schedule(loan = loan, num_schedules = num_schedules, transaction_id = transaction_id)
+
+
+                    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.")
+
+                    # charges = Charge.get_offer_charges(offer.id)
+
+                    # logger.info(f"{charges}")
+                    
+                    loan_id = loan.id
+
+                    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")
+            
+                
+            
+                response_data = {
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
+                    "loanRef": loan_ref,
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "msisdn": customer.msisdn
+                    }
+
+                # KafkaIntegration.send_loan_request(loan_data = response_data, request_id = request_id)
+                # Call Kafka in a background thread
+                thread = Thread(target=ProvideLoanService.async_send_to_kafka, args=(response_data, request_id, "PROCESS_PAYMENT"))
+                thread.start()
+
+                db.session.commit()
+                return ResponseHelper.success(data=response_data)
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/repayment.py

@@ -0,0 +1,103 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.enums.loan_status import LoanStatus
+from app.api.helpers.response_helper import ResponseHelper
+from app.models import Repayment
+from app.models.customer import Customer
+from app.models.loan import Loan
+from app.utils.logger import logger
+from app.api.schemas.repayment import RepaymentSchema
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType 
+from threading import Thread
+from app.extensions import db
+
+class RepaymentService(BaseService):
+    TRANSACTION_TYPE = TransactionType.REPAYMENT 
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the Repayment request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = RepaymentService.validate_data(data, RepaymentSchema())
+
+                customer_id =  validated_data.get('customerId')
+                request_id =  validated_data.get('requestId')
+                loan_id = validated_data.get('debtId')
+                account_id = validated_data.get('accountId')
+                loan_ref = validated_data.get('loanRef')
+                # customer = Customer.get_customer_with_loan_list(customer_id)
+                transaction_id  = validated_data.get('transactionId')
+                initiated_by = validated_data.get('initiatedBy')
+                logger.error(f"HERE 0002a **** ")
+                if(RepaymentService.validate_account_ownership(account_id = account_id, customer_id = customer_id)):
+                    logger.error(f"HERE 0001a **** ")
+                    # Check loan exists
+                    loan = Loan.get_customer_loan(loan_id = loan_id, customer_id = customer_id)
+
+                    # Save the repayment details  
+                    repayment = Repayment.create_repayment(
+                        customer_id = customer_id,
+                        loan = loan,
+                        transaction_id = transaction_id
+                    )
+
+                    if not repayment:
+                        logger.error(f"Failed to save repayment details")
+                        return ResponseHelper.error(result_description="Failed to save repayment details.")
+
+                    #Update Loan status
+                    Loan.update_status(loan_id = loan_id, status = LoanStatus.START_REPAY) # repay started bu user
+                    transaction = RepaymentService.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:
+                    logger.error(f"Invalid Customer or AccountID {account_id} to CustomerID{customer_id} ")
+                    return ResponseHelper.error(result_description="Invalid Customer or Account")
+
+                # Simulated processing logic
+                # TODO start using repayment_id instead if id or Id
+                response_data = {
+                    "Id": repayment.id,
+                    "repayment_id": repayment.id,
+                    "initiated_by": repayment.initiated_by,
+                    "transactionId": transaction_id,
+                    "customerId": customer_id,
+                    "productId": loan.product_id,
+                    "loanRef": loan_ref,
+                    "debtId": loan_id
+                }
+
+                # Call Kafka in a background thread
+                thread = Thread(target=RepaymentService.async_send_to_kafka, args=(response_data, request_id, "LOAN_REPAYMENT"))
+                thread.start()
+
+                db.session.commit()
+                return ResponseHelper.success(data=response_data)
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()

app/api/services/select_offer.py

@@ -0,0 +1,168 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.api.helpers.response_helper import ResponseHelper
+from app.api.services.base_service import BaseService
+from app.api.enums import TransactionType
+from app.models.transaction_offers import TransactionOffer
+from app.utils.logger import logger
+from app.api.schemas.select_offer import SelectOfferSchema
+from app.extensions import db
+from app.models import Offer
+from datetime import date
+from dateutil.relativedelta import relativedelta
+
+class SelectOfferService(BaseService):
+    TRANSACTION_TYPE = TransactionType.SELECT_OFFER
+
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SelectOffer request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            with db.session.begin():
+                validated_data = SelectOfferService.validate_data(
+                    data, SelectOfferSchema()
+                )
+                account_id = validated_data.get("accountId")
+                customer_id = validated_data.get("customerId")
+                amount = validated_data.get("requestedAmount")
+                product_id = validated_data.get("productId")
+                transaction_offer_id = validated_data.get("offerId")
+                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",
+
+                if SelectOfferService.validate_account_ownership(
+                    account_id=account_id, customer_id=customer_id
+                ):
+                    transaction = SelectOfferService.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")
+
+                # Get the offer by product ID
+                offer = Offer.get_offer_by_product_id(product_id)
+
+                transaction_offer = TransactionOffer.get_transaction_offer(transaction_offer_id=offer_id)
+
+                if not transaction_offer:
+                    logger.error(f"offer {offer_id} not found for customer {customer_id} and transaction {transaction_id}.")
+                    return ResponseHelper.error(result_description="Offer not found.")
+
+                db.session.flush()
+
+                if amount < transaction_offer.min_amount:
+                    logger.error(f"The amount {amount} is less than the minimum allowed offer amount {transaction_offer.min_amount}.")
+                    return ResponseHelper.error(result_description="The amount is less than the minimum allowed offer amount.")
+                elif amount > transaction_offer.eligible_amount:
+                    logger.error(f"The amount {amount} is greater than the eligible offer amount {transaction_offer.eligible_amount}.")
+                    return ResponseHelper.error(result_description="The amount is greater than the eligible offer amount.")
+
+                    
+
+                charges = SelectOfferService.calculate_charges(offer, amount)
+                upfront_payment = charges["upfront_payment"]
+                total_amount = charges["total_amount"]
+                installment_amount = charges["installment_amount"]
+                interest = charges["interest"]
+                management = charges["management"]
+                insurance = charges["insurance"]
+                vat = charges["vat"]
+                repayment_amount = charges["repayment_amount"]
+                interest_amount = charges["interest_amount"]
+
+
+                # Calculate the repayment dates
+                tenor = offer.tenor
+                start_date = date.today()
+
+                # Convert tenor to months
+                months = offer.schedule # tenor  // 30
+
+                recommended_repayment_dates = [
+                    (start_date + relativedelta(months=i + 1)).isoformat()
+                    for i in range(months)
+                ]
+
+            
+
+                offers = [
+                    {
+                        "offerId": transaction_offer_id,
+                        "productId": product_id,
+                        "amount": amount,
+                        "upfrontPayment": upfront_payment,
+                        "interestRate": offer.interest_rate,
+                        "interestFee": interest_amount,
+                        "managementRate": offer.management_rate,
+                        "managementFee": management["fee"],
+                        "insuranceRate": offer.insurance_rate,
+                        "insuranceFee": insurance["fee"],
+                        "VATRate": offer.vat_rate,
+                        "VATAmount": vat["fee"],
+                        "recommendedRepaymentDates": recommended_repayment_dates,
+                        "repaymentAmount": repayment_amount,
+                        "installmentAmount": installment_amount,
+                        "totalRepaymentAmount": total_amount,
+                    }
+                ]
+
+                # "offerId": offer.id,
+                # "productId": product_id,
+                # "amount": amount,
+                # "upfrontPayment": upfront_payment,
+                # "interestRate": interest["rate"],
+                # "managementRate": management["rate"],
+                # "managementFee": management["fee"],
+                # "insuranceRate": insurance["rate"],
+                # "insuranceFee": insurance["fee"],
+                # "VATRate": vat["rate"],
+                # "VATAmount": vat["fee"],
+                # "recommendedRepaymentDates": recommended_repayment_dates,
+                # "installmentAmount": installment_amount,
+                # "totalRepaymentAmount": total_amount,
+                #
+                # Business logic - selecting an offer
+                response_data = {
+                    "outstandingDebtAmount": 0,
+                    "requestId": request_id,
+                    "transactionId": transaction_id,
+                    "customerId": customer_id,
+                    "accountId": account_id,
+                    "loan": offers,
+                }
+
+                db.session.commit()
+                return ResponseHelper.success(data=response_data)
+
+        except ValidationError as err:
+
+            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:
+            logger.error(f"{getattr(err, 'messages', str(err))}")
+            db.session.rollback()
+            return ResponseHelper.error(result_description=str(err))
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            db.session.rollback()
+            return ResponseHelper.internal_server_error()
+        

app/config.py

@@ -0,0 +1,86 @@
+import os
+from datetime import timedelta
+
+class Config:
+    """Base configuration for Flask app"""
+    JWT_SECRET_KEY =  os.getenv("JWT_SECRET_KEY", "")
+
+    SWAGGER_URL = os.getenv("SWAGGER_URL", "/documentation")
+    API_URL = os.getenv("API_URL", "/swagger.json")
+
+    DEBUG = True
+    BASIC_AUTH_USERNAME = os.environ.get("BASIC_AUTH_USERNAME", "user")
+    BASIC_AUTH_PASSWORD = os.environ.get("BASIC_AUTH_PASSWORD", "password")
+
+    # Database Configuration
+    DATABASE_USER = os.environ.get("DATABASE_USER")
+    DATABASE_PASSWORD = os.environ.get("DATABASE_PASSWORD")
+    DATABASE_HOST = os.environ.get("DATABASE_HOST")
+    DATABASE_PORT = os.environ.get("DATABASE_PORT", 5432)
+    DATABASE_NAME = os.environ.get("DATABASE_NAME")
+
+    # Database Connection
+    SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
+    SQLALCHEMY_TRACK_MODIFICATIONS = False
+
+
+    JWT_SECRET_KEY = os.getenv("JWT_SECRET_KEY", "secret-key")
+    JWT_ACCESS_TOKEN_EXPIRES = os.getenv("JWT_ACCESS_TOKEN_EXPIRES", timedelta(hours=1))
+    JWT_REFRESH_TOKEN_EXPIRES = os.getenv(
+        "JWT_REFRESH_TOKEN_EXPIRES", timedelta(days=30)
+    )
+
+    # KAFKA_BROKER = 'dev-events.simbrellang.net:9085'
+    KAFKA_BROKER = os.getenv("KAFKA_BROKER", "dev-events.simbrellang.net:9085")
+
+   # 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")
+
+    RAC_RESULT_accountStatus = os.environ.get("RAC_RESULT_accountStatus", "true")
+    RAC_RESULT_bvnValidated = os.environ.get("RAC_RESULT_bvnValidated", "true")
+    RAC_RESULT_creditBureauCheck = os.environ.get("RAC_RESULT_creditBureauCheck", "false")
+    RAC_RESULT_crmsCheck = os.environ.get("RAC_RESULT_crmsCheck", "true")
+    RAC_RESULT_hasLien = os.environ.get("RAC_RESULT_hasLien", "false")
+    RAC_RESULT_hasPastDueLoan = os.environ.get("RAC_RESULT_hasPastDueLoan", "false")
+    RAC_RESULT_hasSalaryAccount = os.environ.get("RAC_RESULT_hasSalaryAccount", "true")
+    RAC_RESULT_isWhitelisted = os.environ.get("RAC_RESULT_isWhitelisted", "true")
+    RAC_RESULT_noBouncedCheck = os.environ.get("RAC_RESULT_noBouncedCheck", "true")
+
+    rac_true_rules = [
+        "rule1_45day_sal",
+        "rule2_2m_sal",
+        "rule3_no_bounced_check",
+        "rule4_current_loan_payments",
+        "rule5_no_past_due_fadv_loan",
+        "rule6_no_past_due_other_loan",
+        "rule7_consistent_salary_amount",
+        "rule8_whitelisted",
+        "rule9_regular_account",
+        "rule10_bvn_validation",
+        "rule11_CRC_no_delinquency",
+        "rule12_CRMS_no_delinquency",
+        "rule13_BVN_ignore",
+        "rule14_no_lien",
+        "rule15_null_ignore"
+    ]
+    
+    rac_false_rules = [
+
+    ]
+
+    rac_salary_payments = [
+        "salarypaymenT_1",
+        "salarypaymenT_2",
+        "salarypaymenT_3",
+        "salarypaymenT_4",
+        "salarypaymenT_5",
+        "salarypaymenT_6"
+    ]
+
+
+
+
+settings = Config()

app/errors/__init__.py

@@ -0,0 +1 @@
+from .handlers import register_error_handlers

app/errors/handlers.py

@@ -0,0 +1,24 @@
+from werkzeug.exceptions import HTTPException
+from flask import jsonify
+from app.api.helpers.response_helper import ResponseHelper
+
+def register_error_handlers(app):
+    @app.errorhandler(HTTPException)
+    def handle_http_exception(e):
+        return ResponseHelper.error(result_description=e.description, result_code=e.code )
+    
+    @app.errorhandler(405)
+    def method_not_allowed(error):
+        return ResponseHelper.method_not_allowed()
+
+    @app.errorhandler(404)
+    def not_found(error):
+        return ResponseHelper.not_found()
+
+    @app.errorhandler(400)
+    def bad_request(error):
+        return ResponseHelper.bad_request()
+
+    @app.errorhandler(415)
+    def unsupported_media_type(error):
+        return ResponseHelper.error(result_description="Unsupported Media Type", result_code="415")

app/extensions.py

@@ -0,0 +1,5 @@
+from flask_sqlalchemy import SQLAlchemy
+from flask_migrate import Migrate
+
+db = SQLAlchemy()
+migrate = Migrate()

app/models/__init__.py

@@ -0,0 +1,18 @@
+from .customer import Customer
+from .account import Account
+from .loan import Loan
+from .transaction import Transaction
+from .repayment import Repayment
+from .loan_charge import LoanCharge
+from .offer import Offer
+from .charge import Charge
+from .rac_checks import RACCheck
+from .loan_repayment_schedule import LoanRepaymentSchedule
+from .transaction_offers import TransactionOffer
+from .repayments_data import RepaymentsData
+from .salary import Salary
+from .members import Members
+
+
+
+__all__ = ['Members','Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge', 'RACCheck', 'LoanRepaymentSchedule', 'TransactionOffer', 'RepaymentsData', 'Salary']

app/models/account.py

@@ -0,0 +1,52 @@
+from datetime import datetime, timezone
+from sqlalchemy.orm import relationship
+from app.extensions import db
+from sqlalchemy.exc import IntegrityError
+from sqlalchemy.sql import func
+
+class Account(db.Model):
+    __tablename__ = 'accounts'
+
+    id = db.Column(db.String(50), primary_key=True)  
+    customer_id = db.Column(db.String(50), nullable=False)
+    account_type = db.Column(db.String(50))
+    status = db.Column(db.String(20), default='active')
+    lien_amount = db.Column(db.Float, default=0.0)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == Account.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="accounts",
+    )
+
+    @classmethod
+    def create_account(cls, id, customer_id, account_type, status='active'):
+        account = cls(
+            id=id,
+            customer_id=customer_id,
+            account_type=account_type,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+        )
+
+        try:
+            db.session.add(account)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+        return account
+
+    @classmethod
+    def is_valid_account(cls, account_id, customer_id):
+        account = cls.query.filter_by(id=account_id, customer_id=customer_id).first()
+        if not account:
+            return False
+        if account.lien_amount > 0:
+            return False
+        return account
+
+    def __repr__(self):
+        return f'<Account {self.id}>'
+    

app/models/charge.py

@@ -0,0 +1,97 @@
+from datetime import datetime, timezone, timedelta
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from sqlalchemy.sql import func
+
+
+class Charge(db.Model):
+    __tablename__ = 'charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    offer_id = db.Column(db.String(50), nullable=False)
+    code = db.Column(db.String(50), nullable=False)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due = db.Column(db.Integer, nullable=False)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    offer = relationship(
+        "Offer",
+        primaryjoin="Charge.offer_id == Offer.id",
+        foreign_keys=[offer_id],
+        back_populates="charges",
+    )
+
+    @classmethod
+    def add_charges(cls, offer_id, charges):
+        """
+        Add charges to an offer.
+
+        Args:
+            offer_id (int): ID of the offer to associate charges with.
+            charges (list): A list of dictionaries with keys:
+            code (str), amount (float), percent (float), description (str), due (int)
+        """
+        if not charges or not isinstance(charges, list):
+            raise ValueError("Charges must be a non-empty list of dictionaries")
+
+        if offer_id is None:
+            raise ValueError("offer_id cannot be None")
+
+        offer_charges = []
+       
+
+        for charge in charges:
+            code = charge.get("code")
+            percent = charge.get("percent", 0.0)
+            description = charge.get("description", "")
+            due_days = charge.get("due", 0)
+
+            existing = cls.query.filter_by(offer_id=offer_id, code=code).first()
+
+            if existing:
+                continue
+
+            charge_obj = cls(
+                offer_id = offer_id,
+                code = code,
+                percent = percent,
+                description = description,
+                due = due_days,
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
+            )
+
+            db.session.add(charge_obj)
+            offer_charges.append(charge_obj)
+
+        return offer_charges
+    
+    @classmethod
+    def get_offer_charges(cls, offer_id):
+        """
+        Get all charges for a particular offer as a dictionary
+
+        Args:
+            offer_id (str): The offer ID.
+        """
+        if not offer_id:
+            raise ValueError("offer_id not found")
+
+        charges = cls.query.filter_by(offer_id=offer_id).all()
+        
+        return charges
+
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'offerId': self.offer_id,
+            'code': self.code,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due
+        }
+
+    def __repr__(self):
+        return f"<Charge {self.id} - Offer {self.offer_id} - {self.code}>"

app/models/customer.py

@@ -0,0 +1,90 @@
+from datetime import datetime, timezone
+from sqlalchemy.orm import relationship
+#
+# from app.api.services.offer_analysis import logger
+from app.extensions import db
+from app.models.account import Account
+from sqlalchemy.exc import IntegrityError
+from sqlalchemy.sql import func
+# from app.utils.logger import logger
+
+class Customer(db.Model):
+    __tablename__ = 'customers'
+
+    id = db.Column(db.String(50), primary_key=True) 
+    msisdn = db.Column(db.String(20), unique=True, nullable=False)
+    country_code = db.Column(db.String(3), nullable=False)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    accounts = relationship(
+        "Account",
+        primaryjoin="Customer.id == Account.customer_id",
+        foreign_keys="Account.customer_id",
+        back_populates="customer",
+    )
+
+    loans = relationship(
+        "Loan",
+        primaryjoin="Customer.id == Loan.customer_id",
+        foreign_keys="Loan.customer_id", 
+        back_populates="customer",
+    )
+
+    transaction_offers = relationship(
+        "TransactionOffer",
+        primaryjoin="Customer.id == TransactionOffer.customer_id",
+        foreign_keys="TransactionOffer.customer_id",
+        back_populates="customer",
+    )
+
+    @classmethod
+    def is_valid_customer(cls, customer_id):
+        customer = cls.query.filter_by(id=customer_id).first()
+        if not customer:
+            return False
+        return customer
+
+    @classmethod
+    def create_customer(cls, id, msisdn, country_code, account_id, account_type='savings'):
+        if cls.query.filter_by(id=id).first():
+            raise ValueError("Customer already exists")
+        elif Account.query.filter_by(id=account_id).first():
+            raise ValueError("Account already exists")
+        elif cls.query.filter_by(msisdn=msisdn).first():
+            raise ValueError("msisdn already exists")
+        
+        # Create the customer
+        customer = cls(
+            id=id,
+            msisdn=msisdn,
+            country_code=country_code,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+            )
+        try: 
+            db.session.add(customer)
+            
+            # Create an associated account
+            account = Account.create_account(
+                id=account_id,
+                customer_id=id,
+                account_type=account_type
+            )
+            
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+        return customer
+    
+    @classmethod
+    def get_customer_with_loan_list(cls, customer_id):
+        """
+        Get customer by  ID.
+        """
+        customer = cls.query.filter_by(id=customer_id).first()
+
+        if not customer:
+            raise ValueError(f"Customer does not exist")        
+        return customer
+
+    def __repr__(self):
+        return f'<Customer {self.id}>'

app/models/loan.py

@@ -0,0 +1,261 @@
+from datetime import datetime, timezone, timedelta
+from itertools import product
+from app.extensions import db
+from app.models.customer import Customer
+from app.models.account import Account
+from sqlalchemy.exc import IntegrityError
+from sqlalchemy.orm import relationship
+from dateutil.relativedelta import relativedelta 
+from datetime import timedelta
+import logging
+from sqlalchemy import and_, or_, not_
+from sqlalchemy.sql import func
+
+logger = logging.getLogger(__name__)
+
+
+class Loan(db.Model):
+    __tablename__ = 'loans'
+
+    id = db.Column(
+        db.Integer,
+        primary_key=True,
+        autoincrement=True,
+    )
+    customer_id = db.Column(db.String(50), nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    original_transaction = db.Column(db.String(50), nullable=True)
+    account_id = db.Column(db.String(50), nullable=False)
+    offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    collection_type = db.Column(db.String(20), nullable=True) 
+    current_loan_amount = db.Column(db.Float, nullable=True)  
+    initial_loan_amount = db.Column(db.Float, nullable=False) 
+    default_penalty_fee = db.Column(db.Float, default=0)  
+    continuous_fee = db.Column(db.Float, default=0)
+    upfront_fee = db.Column(db.Float, nullable=True, default=0.0)
+    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    installment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    status = db.Column(db.String(20), default='pending')
+    tenor = db.Column(db.Integer, nullable=True)
+    due_date = db.Column(db.DateTime, nullable=True) 
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    eligible_amount = db.Column(db.Float, nullable=True, default=0.0)
+    disburse_date = db.Column(db.DateTime, nullable=True)
+    disburse_verify = db.Column(db.DateTime, nullable=True)
+    reference = db.Column(db.String(50), nullable=True)
+    disburse_result = db.Column(db.String(10), nullable=True)
+    disburse_description = db.Column(db.String(100), nullable=True)
+    verify_result = db.Column(db.String(10), nullable=True)
+    verify_description = db.Column(db.String(100), nullable=True)
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == Loan.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="loans",
+    )
+
+    loan_charges = relationship(
+        "LoanCharge",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys="LoanCharge.loan_id",
+        back_populates="loan",
+    )
+
+    loan_repayment_schedules = relationship(
+        "LoanRepaymentSchedule",
+        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
+        foreign_keys="LoanRepaymentSchedule.loan_id",
+        back_populates="loan",
+    )
+
+
+    @classmethod
+    def create_loan(
+        cls,
+        customer_id,
+        account_id,
+        offer_id,
+        product_id,
+        initial_loan_amount,
+        collection_type,
+        transaction_id,
+        original_transaction,
+        upfront_fee,
+        repayment_amount,
+        installment_amount,
+        tenor,
+        eligible_amount,
+        reference,
+        status = "pending",
+    ):
+        # Check if customer exists
+        customer = Customer.is_valid_customer(customer_id)
+        if not customer:
+            raise ValueError("Customer does not exist")
+
+        now = datetime.now(timezone.utc)
+        due_date = now + timedelta(days=tenor)
+
+        # Create and save the loan
+        loan = cls(
+            customer_id = customer_id,
+            account_id = account_id,
+            offer_id = offer_id,
+            product_id = product_id,
+            collection_type = collection_type,
+            transaction_id = transaction_id,
+            original_transaction = original_transaction,
+            initial_loan_amount = initial_loan_amount,
+            current_loan_amount = initial_loan_amount,
+            upfront_fee = upfront_fee,
+            repayment_amount = repayment_amount,
+            installment_amount = installment_amount,
+            due_date=due_date,
+            tenor = tenor,
+            status = status,
+            eligible_amount =eligible_amount,
+            reference = reference,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+        )
+        
+        try:
+            db.session.add(loan)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+        return loan
+
+    @classmethod
+    def has_active_loans(cls, customer_id):
+        active_loans = cls.query.filter_by(
+            customer_id=customer_id,
+            status='active'
+        ).count()
+
+        if active_loans > 0:
+            return False
+        return True
+    
+
+    @classmethod
+    def get_customer_loan(cls, loan_id, customer_id):
+        """
+        Get customer's active loans by loan_id.
+        """
+        loan = cls.query.filter_by(id = loan_id, customer_id = customer_id).first()
+        if not loan:
+            raise ValueError(f"Loan with ID {loan_id} does not exist or does not belong to customer {customer_id}.")        
+        return loan
+
+    @classmethod
+    def get_customer_original_loan(cls, customer_id, original_transaction):
+        """
+        Get customer's original loan  offer.
+        """
+        original_loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.original_transaction==original_transaction, cls.transaction_id==original_transaction )).first()
+        if not original_loan:
+            return None
+
+        logger.info(f" get_customer_original_loan ==>>>>  {original_loan}")
+        return original_loan
+
+    @classmethod
+    def get_customer_last_loan(cls, customer_id):
+        """
+        Get customer's active loans.
+        """
+        logger.info(f"get_customer_last_loan [customer_id] ==>>>>  {customer_id}")
+        # loan = cls.query.filter_by( cls.customer_id == customer_id).first()
+        loan = cls.query.filter(and_( cls.customer_id ==customer_id, cls.status=='active')).first()
+
+        if not loan:
+            return None
+            # loan = {
+            #     "original_transaction":"",
+            #     "eligible_amount": 0,
+            #     "loan_amount": 0,
+            #     "customer_id": customer_id,
+            #     "transaction_id": "",
+            #     "resultDescription": "No Active Loan"
+            # }
+        logger.info(f" get_customer_last_loan ==>>>>  {loan}")
+        return loan
+
+    @classmethod
+    def get_active_loans_by_original_transaction(cls, original_transaction_id):
+        """
+        Get all active loans with the same original_transaction ID.
+        """
+
+        active_loans = cls.query.filter_by(
+        original_transaction=original_transaction_id,
+        # status='active'
+        ).all()
+
+        return active_loans
+
+
+    @classmethod
+    def update_status(cls, loan_id, status):
+        """
+        Update the status of the loan with the given loan_id.
+        """
+        # Retrieve loan 
+        loan = cls.query.get(loan_id)
+        
+        if not loan:
+            raise ValueError(f"Loan with ID {loan_id} does not exist.")
+        
+        if loan.status == status:
+            return
+        
+        # Update loan status and the updated_at timestamp
+        loan.status = status
+
+
+    @classmethod
+    def get_daily_loan_count(cls, customer_id, product_id):
+        """
+        Returns the count of loans created today for a customer.
+        """
+
+        start_of_day = datetime.now(timezone.utc).replace(hour=0, minute=0, second=0, microsecond=0)
+        end_of_day = start_of_day + timedelta(days=1)
+
+        return cls.query.filter_by(
+            customer_id=customer_id,
+            product_id=product_id,      
+            ).filter(
+            cls.created_at >= start_of_day,
+            cls.created_at < end_of_day
+        ).count()
+
+
+    def to_dict(self):
+        """
+        Convert the Loan object to a dictionary format for JSON serialization.
+        """
+        return {
+            'debtId': self.id,
+            'transactionId': self.transaction_id,
+            'loanRef': self.reference,
+            'productId': self.product_id,
+            'initialLoanAmount': self.initial_loan_amount,
+            'currentLoanAmount': self.current_loan_amount,
+            'defaultPenaltyFee': self.default_penalty_fee,
+            'continuousFee': self.continuous_fee,
+            'collectionType': self.collection_type,
+            'upfrontFee': self.upfront_fee,
+            'repaymentAmount': self.repayment_amount,
+            'installmentAmount': self.installment_amount,
+            'status': self.status,
+            'tenor': self.tenor,
+            'dueDate': self.due_date.isoformat() if self.due_date else None,
+            'loanDate': self.created_at.isoformat() if self.created_at else None,
+        }
+    
+    def __repr__(self):
+        return f'<Loan {self.id}>'

app/models/loan_charge.py

@@ -0,0 +1,91 @@
+from datetime import datetime, timezone, timedelta
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from app.utils.logger import logger
+from sqlalchemy.sql import func
+
+
+class LoanCharge(db.Model):
+    __tablename__ = 'loan_charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    code = db.Column(db.String(50), nullable=False) 
+    amount = db.Column(db.Float, default=0.0)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=True)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_charges",
+    )
+
+    @classmethod
+    def create_charges_for_loan(cls, loan_id, transaction_id, charges, referenced_amount = 0.0):
+        """
+        Create loan charges for a given loan.
+
+        Args:
+            loan_id (int): ID of the loan to associate charges with.
+            charges (list): A list of dictionaries with keys: 
+            code (str), amount (float), percent (float), description (str), due (int)
+        """
+        # if not charges or not isinstance(charges, list):
+        #     raise ValueError("Charges must be a non-empty list of dictionaries")
+        
+        if loan_id is None:
+            raise ValueError("loan_id cannot be None")
+
+        loan_charges = []
+        now = datetime.now(timezone.utc)
+
+
+        subset_keys = ['interest', 'management', 'insurance', 'vat']
+        for item in subset_keys:
+            charge =  charges[item]
+            due_days = charge['due_days'] #  getattr(charge, "due_days", 0)
+            amount =  charge['fee'] # getattr(charge, "fee", 0.0)
+            percent =  charge['rate'] # getattr(charge, "rate", 0.0)
+            code =  charge['code'] # getattr(charge, "code","")
+            description =  charge['description'] # getattr(charge, "description", "")
+
+            charge_obj = cls(
+                loan_id = loan_id,
+                transaction_id = transaction_id,
+                code = code,
+                amount = round(amount, 2),
+                percent = percent,
+                description = description,
+                due = due_days,
+                due_date = now + timedelta(days=due_days),
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
+            )
+
+            db.session.add(charge_obj)
+            loan_charges.append(charge_obj)
+
+        return loan_charges
+
+    
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'transactionId': self.transaction_id,
+            'code': self.code,
+            'amount': self.amount,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due,
+        }
+
+    def __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"

app/models/loan_repayment_schedule.py

@@ -0,0 +1,72 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from dateutil.relativedelta import relativedelta
+from sqlalchemy.sql import func
+
+class LoanRepaymentSchedule(db.Model):
+    __tablename__ = 'loan_repayment_schedules'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    product_id = db.Column(db.String(20), nullable=True)
+    installment_number = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=False)
+    installment_amount= db.Column(db.Float, default=0.0)
+    total_repayment_amount = db.Column(db.Float, default=0.0)
+    paid = db.Column(db.Boolean, default=False)
+    paid_at = db.Column(db.DateTime, nullable=True)
+
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_repayment_schedules",
+    )
+
+
+    @classmethod
+    def add_repayment_schedule(cls, loan, num_schedules, transaction_id):
+        """
+        Add repayment schedules for a given loan.
+        """
+        now = datetime.now(timezone.utc)
+        schedules = []
+
+        for i in range(num_schedules):
+            due_date = now + relativedelta(months=i + 1)
+            schedule = LoanRepaymentSchedule(
+                loan_id=loan.id,
+                installment_number=i + 1,
+                due_date=due_date,
+                total_repayment_amount = round(loan.repayment_amount, 2),
+                installment_amount=round(loan.installment_amount, 2),
+                product_id = loan.product_id,
+                transaction_id = transaction_id,
+                created_at=datetime.now(timezone.utc),
+                updated_at=datetime.now(timezone.utc)
+            )
+            
+            db.session.add(schedule)
+            schedules.append(schedule)
+
+        return schedules
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'installmentNumber': self.installment_number,
+            'dueDate': self.due_date.isoformat(),
+            'principalAmount': self.principal_amount,
+            'interestAmount': self.interest_amount,
+            'totalInstallment': self.total_installment,
+            'paid': self.paid,
+            'paidAt': self.paid_at.isoformat() if self.paid_at else None
+        }
+
+    def __repr__(self):
+        return f'<LoanRepaymentSchedule Loan:{self.loan_id} Installment:{self.installment_number}>'

app/models/members.py

@@ -0,0 +1,51 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.sql import func
+
+
+class Members(db.Model):
+    __tablename__ = 'members'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    uid = db.Column(db.String(150), nullable=False)
+    username = db.Column(db.String(25), nullable=False)
+    password = db.Column(db.String(100), nullable=True)
+    loc = db.Column(db.String(20), nullable=True)
+    status = db.Column(db.Integer, default=1)
+    added = db.Column(db.DateTime(timezone=False), server_default=func.now())
+    updated = db.Column(db.DateTime(timezone=False), server_default=func.now(), onupdate=func.now())
+    email = db.Column(db.String(100), nullable=False)
+    account_name = db.Column(db.String(100), nullable=True)
+    firstname = db.Column(db.String(25), nullable=False)
+    lastname = db.Column(db.String(100), nullable=True)
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "uid": self.uid,
+            "username": self.account_id,
+            "account_id": self.username,
+            "password": self.password,
+            "loc": self.loc,
+            "status": self.status,
+            "added": self.added.isoformat() if self.added else None,
+            "updated": self.updated.isoformat() if self.updated else None,
+            "email": self.email,
+            "account_name": self.account_name,
+            "firstname": self.firstname,
+            "lastname": self.lastname
+        }
+
+    def __repr__(self):
+        return f'<Members {self.id} - {self.amount}>'
+
+    @classmethod
+    def get_member_by_username(cls, username):
+        """
+        Return an offer by its ID.
+        """
+        member = cls.query.filter_by(username=str(username)).first()
+
+        if not member:
+            raise ValueError(f"Username =  {username} not found")
+        return member

app/models/offer.py

@@ -0,0 +1,94 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from app.models.charge import Charge
+from sqlalchemy.orm import relationship
+from sqlalchemy.sql import func
+
+class Offer(db.Model):
+    __tablename__ = 'offers'
+
+    id = db.Column(db.String, primary_key=True)
+    product_id = db.Column(db.String, nullable=False)
+    min_amount = db.Column(db.Float, nullable=False)
+    max_amount = db.Column(db.Float, nullable=False)
+    tenor = db.Column(db.Integer, nullable=False)
+    schedule = db.Column(db.Integer, nullable=True)
+    interest_rate = db.Column(db.Float, default=3.0)
+    management_rate = db.Column(db.Float, default=1.0)
+    insurance_rate = db.Column(db.Float, default=1.0)
+    vat_rate = db.Column(db.Float, default=7.5)
+    list_order = db.Column(db.Integer, nullable=True)
+    max_daily_loans = db.Column(db.Integer, nullable=True)
+    max_active_loans = db.Column(db.Integer, nullable=True)
+    max_life_loans = db.Column(db.Integer, nullable=True)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+
+    charges = relationship(
+        "Charge",
+        primaryjoin="Offer.id == Charge.offer_id",
+        foreign_keys="Charge.offer_id",
+        back_populates="offer",
+    )
+
+    @classmethod
+    def get_all_offers(cls):
+        """
+        Return all offers in dictionary format.
+        """
+        offers = cls.query.all()
+
+        if not offers:
+            raise ValueError(f"No available offers")        
+        return offers
+    
+    @classmethod
+    def is_valid_offer(cls, offer_id):
+        offer = cls.query.filter_by(id=str(offer_id)).first()
+
+
+        if not offer:
+            return False
+        return offer
+
+    @classmethod
+    def get_offer_by_id(cls, offer_id):
+        """
+        Return an offer by its ID.
+        """
+        offer = cls.query.filter_by(id=str(offer_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with ID {offer_id} not found")
+        return offer
+
+    @classmethod
+    def get_offer_by_product_id(cls, product_id):
+        """
+        Return an offer by its product ID.
+        """
+        offer = cls.query.filter_by(product_id=str(product_id)).first()
+
+        if not offer:
+            raise ValueError(f"Offer with Product ID {product_id} not found")
+        return offer
+    
+    def to_dict(self):
+        return {
+            "offerId": self.id,
+            "productId": self.product_id,
+            "minAmount": self.min_amount,
+            "maxAmount": self.max_amount,
+            "tenor": self.tenor,
+            "interest_rate": self.interest_rate,
+            "management_rate": self.management_rate,
+            "insurance_rate": self.insurance_rate,
+            "vat_rate": self.vat_rate,
+            "maxDailyLoans": self.max_daily_loans,
+            "maxActiveLoans": self.max_active_loans,
+            "maxLifeLoans": self.max_life_loans
+
+        }
+    
+    def __repr__(self):
+        return f'<LoanOffer {self.id}>'

app/models/rac_checks.py

@@ -0,0 +1,75 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from sqlalchemy.exc import IntegrityError
+from uuid import uuid4
+from sqlalchemy.types import JSON
+from sqlalchemy.sql import func
+
+class RACCheck(db.Model):
+    __tablename__ = 'rac_checks'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    customer_id = db.Column(db.String, nullable=False)
+    account_id = db.Column(db.String, nullable=False)
+    rac_response = db.Column(db.JSON, nullable=False)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    @classmethod
+    def add_rac_check(cls, customer_id, account_id, transaction_id, data = None):
+    
+
+        # Save the response
+        rac_check = cls(
+            customer_id = customer_id,
+            account_id = account_id,
+            transaction_id = transaction_id,
+            rac_response = data,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+        )
+        
+        try:
+            db.session.add(rac_check)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+        return rac_check
+
+
+    @classmethod
+    def get_all_rac_checks(cls):
+        """
+        Return all RAC checks in dictionary format.
+        """
+        rac_checks = cls.query.all()
+
+        if not rac_checks:
+            return None
+        return rac_checks
+    
+    @classmethod
+    def get_rac_check(cls, customer_id, account_id):
+        """
+        Return a RAC check by its ID.
+        """
+        rac_check = cls.query.filter_by( customer_id = customer_id,
+                    account_id = account_id,).first()
+
+        if not rac_check:
+            raise ValueError(f"RAC Check for customer not found")
+        return rac_check
+
+    def to_dict(self):
+        return {
+            "id": str(self.id),
+            "transactionId": str(self.transaction_id),
+            "customerId": self.customer_id,
+            "accountId": self.account_id,
+            "racResponse": self.rac_response,
+            "createdAt": self.created_at.isoformat(),
+            "updatedAt": self.updated_at.isoformat() if self.updated_at else None
+        }
+
+    def __repr__(self):
+        return f'<RACCheck {self.id}>'

app/models/repayment.py

@@ -0,0 +1,80 @@
+from datetime import datetime, timezone
+from app.api.enums.loan_status import LoanStatus
+from app.extensions import db
+from app.models.customer import Customer
+from app.models.loan import Loan
+from sqlalchemy.exc import IntegrityError
+from sqlalchemy.sql import func
+
+
+class Repayment(db.Model):
+    __tablename__ = 'repayments'
+
+    id = db.Column(
+        db.Integer,
+        primary_key=True,
+        autoincrement=True,
+    )
+    loan_id = db.Column(db.String(50), nullable=False)
+    customer_id = db.Column(db.String(50), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    transaction_id = db.Column(db.String(50), nullable=True)
+    # repay_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    repay_date = db.Column(db.DateTime, nullable=True)
+    repay_result = db.Column(db.String(10), nullable=True)
+    repay_description = db.Column(db.String(100), nullable=True)
+    # verify_date = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    verify_date = db.Column(db.DateTime, nullable=True)
+    verify_result = db.Column(db.String(10), nullable=True)
+    verify_description = db.Column(db.String(100), nullable=True)
+    initiated_by = db.Column(db.String(50), nullable=True)
+    salary_amount = db.Column(db.Float, nullable=True, default=0.0)
+
+    @classmethod
+    def create_repayment(cls, customer_id, loan, transaction_id):
+        
+        # Check that the loan is active
+        if loan.status not in [LoanStatus.ACTIVE, LoanStatus.START_REPAY]:
+            raise ValueError(f"Repayment cannot be processed. Loan status: ({loan.status})")
+        
+
+        repayment = cls(
+            customer_id=customer_id,
+            loan_id=loan.id,
+            product_id=loan.product_id,
+            transaction_id = transaction_id,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc),
+            initiated_by='USER_INITIATED'
+        )
+
+        try:
+            db.session.add(repayment)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+
+        return repayment
+    
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "loan_id": self.loan_id,
+            "customer_id": self.customer_id,
+            "product_id": self.product_id,
+            "created_at": self.created_at.isoformat() if self.created_at else None,
+            "updated_at": self.updated_at.isoformat() if self.updated_at else None,
+            "transaction_id": self.transaction_id,
+            "repay_date": self.repay_date.isoformat() if self.repay_date else None,
+            "repay_result": self.repay_result,
+            "repay_description": self.repay_description,
+            "verify_date": self.verify_date.isoformat() if self.verify_date else None,
+            "verify_result": self.verify_result,
+            "verify_description": self.verify_description,
+            "initiated_by": self.initiated_by,
+            "salary_amount": self.salary_amount
+        }
+
+    def __repr__(self):
+        return f'<Repayment {self.id}>'

app/models/repayments_data.py

@@ -0,0 +1,36 @@
+from datetime import datetime, timezone
+from app.extensions import db
+
+
+class RepaymentsData(db.Model):
+    __tablename__ = "repayments_data"
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    fbn_transaction_id = db.Column(db.String(50), nullable=True)
+    customer_id = db.Column(db.String(50), nullable=True)
+    account_id = db.Column(db.String(50), nullable=True)
+    repayment_amount = db.Column(db.Float, nullable=True, default=0.0)
+    amount_collected = db.Column(db.Float, nullable=True, default=0.0)
+    added_date = db.Column(db.DateTime(timezone=True), default=datetime.now(timezone.utc), nullable=False)
+    response_code = db.Column(db.String(10), nullable=True)
+    response_descr = db.Column(db.String(255), nullable=True)
+    balance = db.Column(db.Float, nullable=True, default=0.0)
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "transaction_id": self.transaction_id,
+            "fbn_transaction_id": self.fbn_transaction_id,
+            "customer_id": self.customer_id,
+            "account_id": self.account_id,
+            "repayment_amount": self.repayment_amount,
+            "amount_collected": self.amount_collected,
+            "added_date": self.added_date.isoformat() if self.added_date else None,
+            "response_code": self.response_code,
+            "response_descr": self.response_descr,
+            "balance": self.balance,
+        }
+
+    def __repr__(self):
+        return f"<RepaymentsData id={self.id}, transaction_id={self.transaction_id}>"

app/models/salary.py

@@ -0,0 +1,31 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.sql import func
+
+class Salary(db.Model):
+    __tablename__ = 'salaries'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    customer_id = db.Column(db.String(50), nullable=False)
+    account_id = db.Column(db.String(50), nullable=True)
+    status = db.Column(db.String(20), default='active')
+    amount = db.Column(db.Float, nullable=False, default=0.0)
+    salary_date = db.Column(db.DateTime(timezone=False), server_default=func.now())
+    created_at = db.Column(db.DateTime(timezone=False), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=False), server_default=func.now(), onupdate=func.now())
+
+    def to_dict(self):
+        return {
+            "id": self.id,
+            "customer_id": self.customer_id,
+            "account_id": self.account_id,
+            "status": self.status,
+            "amount": self.amount,
+            "salary_date": self.salary_date.isoformat() if self.salary_date else None,
+            "created_at": self.created_at.isoformat() if self.created_at else None,
+            "updated_at": self.updated_at.isoformat() if self.updated_at else None
+        }
+
+    def __repr__(self):
+        return f'<Salary {self.id} - {self.amount}>'
+    

app/models/transaction.py

@@ -0,0 +1,57 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from app.models import account
+from sqlalchemy.exc import IntegrityError
+from sqlalchemy import and_, or_, not_
+from sqlalchemy.sql import func
+
+class Transaction(db.Model):
+    __tablename__ = 'transactions'
+    id = db.Column(
+        db.Integer,
+        primary_key=True,
+        autoincrement=True,
+    )
+    transaction_id = db.Column(db.String(50), nullable=False)
+    account_id = db.Column(db.String(50), nullable=True)
+    customer_id = db.Column(db.String(50), nullable=True)
+    type = db.Column(db.String(50), nullable=False)
+    channel = db.Column(db.String(50), nullable=False)
+    phone_number = db.Column(db.String(50), nullable=True)
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    
+    def __repr__(self):
+        return f'<Transaction {self.id}>'
+
+    @classmethod
+    def create_transaction(cls, transaction_id, account_id, customer_id, type, channel):
+
+        # if cls.query.filter_by(transaction_id=transaction_id).first():
+        #     raise ValueError("Duplicate Transaction")
+
+        if cls.query.filter( and_( cls.transaction_id ==transaction_id, cls.type==type) ).first():
+            raise ValueError("Duplicate Transaction")
+
+
+
+        transaction = cls(
+            transaction_id = transaction_id,
+            customer_id = customer_id,
+            account_id = account_id,
+            type = type,
+            channel = channel,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+        )
+
+        try:
+            db.session.add(transaction)
+        except IntegrityError as err:
+            raise ValueError(f"Database integrity error: {err}")
+
+        return transaction
+
+    @classmethod
+    def get_transaction_by_id(cls, transaction_id):
+        return cls.query.get(transaction_id)

app/models/transaction_offers.py

@@ -0,0 +1,115 @@
+from datetime import datetime, timezone, timedelta
+from app.api.enums.loan_status import LoanStatus
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from sqlalchemy.sql import func
+import logging
+logger = logging.getLogger(__name__)
+
+
+
+class TransactionOffer(db.Model):
+    __tablename__ = 'transaction_offers'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    customer_id = db.Column(db.String(50), nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=False)
+    original_transaction = db.Column(db.String(50), nullable=True)
+    offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    min_amount = db.Column(db.Float, nullable=False)
+    max_amount = db.Column(db.Float, nullable=False)
+    eligible_amount = db.Column(db.Float, nullable=True)
+    tenor = db.Column(db.Integer, nullable=True)  # tenor in months, typically
+
+    created_at = db.Column(db.DateTime(timezone=True), server_default=func.now())
+    updated_at = db.Column(db.DateTime(timezone=True), server_default=func.now(), onupdate=func.now())
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == TransactionOffer.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="transaction_offers",
+    )
+
+    @classmethod
+    def is_valid_transaction_offer(cls, transaction_offer, customer_id, product_id):
+        transaction_offer = cls.query.filter_by(
+            id = transaction_offer,
+            customer_id = customer_id,
+            # product_id = product_id
+            # transaction_id = transaction_id,
+            ).first()
+
+
+        if not transaction_offer:
+            return False
+        return transaction_offer
+
+    @classmethod
+    def create_transaction_offer(cls, customer_id, transaction_id, original_transaction, offer_id, min_amount, max_amount, eligible_amount=None, product_id=None, tenor=None):
+        """
+        Class method to create and save a TransactionOffer.
+        """
+        transaction_offer = cls(
+            customer_id=customer_id,
+            transaction_id=transaction_id,
+            original_transaction=original_transaction,
+            offer_id=offer_id,
+            min_amount=min_amount,
+            max_amount=max_amount,
+            eligible_amount=eligible_amount,
+            product_id=product_id,
+            tenor=tenor,
+            created_at=datetime.now(timezone.utc),
+            updated_at=datetime.now(timezone.utc)
+        )
+
+        db.session.add(transaction_offer)
+        db.session.flush()
+
+        return transaction_offer
+    
+    @classmethod
+    def get_lifetime_loan_count(cls, customer_id):
+        """
+        Returns the total number of loans ever created for a customer.
+        """
+        return cls.query.filter_by(customer_id=customer_id).count()
+
+
+    @classmethod
+    def get_latest_transaction_offer(cls, customer_id):
+        """
+        Returns the most recent transaction offer for the given customer based on creation time.
+        """
+        return cls.query.filter_by(customer_id=customer_id) \
+            .order_by(cls.created_at.desc()) \
+            .first()
+    
+    @classmethod
+    def get_transaction_offer(cls, transaction_offer_id):
+        """
+        Returns a transaction offer by its ID.
+        """
+        return cls.query.get(transaction_offer_id)
+
+
+    
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'customerId': self.customer_id,
+            'transactionId': self.transaction_id,
+            'offerId': self.offer_id,
+            'productId': self.product_id,
+            'minAmount': self.min_amount,
+            'maxAmount': self.max_amount,
+            'eligibleAmount': self.eligible_amount,
+            'tenor': self.tenor,
+            'createdAt': self.created_at.isoformat() if self.created_at else None,
+            'updatedAt': self.updated_at.isoformat() if self.updated_at else None,
+        }
+
+    def __repr__(self):
+        return f'<TransactionOffer {self.id}>'

app/swagger/digifi_swagger.json

@@ -0,0 +1,123 @@
+{
+  "openapi": "3.0.3",
+  "info": {
+    "title": "Swagger MERM Core  - OpenAPI 3.0",
+    "description": "This is MERMS Backend Server with the OpenAPI 3.0 specification.  \n\n\nSome useful links:\n- [Product Page](https://www.mermsemr.com/)\n- [Dev Product Web](https://panel.mermsemr.com/)",
+    "termsOfService": "http://swagger.io/terms/",
+    "contact": {
+      "email": "support@chiefsoft.com"
+    },
+    "license": {
+      "name": "Apache 2.0",
+      "url": "http://www.apache.org/licenses/LICENSE-2.0.html"
+    },
+    "version": "1.0.11"
+  },
+  "servers": [
+    {
+      "url": "http://localhost:14700"
+    },
+    {
+      "url": "https://devapi.mermsemr.com"
+    },
+        {
+      "url": "https://api.mermsemr.com"
+    }
+  ],
+  "tags": [
+      {
+      "name": "Authorize",
+      "description": "This feature will be used for authorizing customers.",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.mermsemr.com"
+      }
+    },
+    {
+      "name": "AuthorizeRefresh",
+      "description": "This feature will be used for refreshing authorized customers.",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.mermsemr.com"
+      }
+    },
+    {
+      "name": "Login",
+      "description": "User Login",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.mermsemr.com"
+      }
+    },
+    {
+      "name": "Register",
+      "description": "Register a new user.",
+      "externalDocs": {
+        "description": "Find out more",
+        "url": "https://www.mermsemr.com"
+      }
+    }
+  ],
+  "paths": {
+    "/Authorize": {
+      "$ref": "swagger/paths/Authorize.json"
+    },
+    "/AuthorizeRefresh": {
+      "$ref": "swagger/paths/AuthorizeRefresh.json"
+    },
+    "/Login": {
+      "$ref": "swagger/paths/Login.json"
+    },
+    "/Register": {
+      "$ref": "swagger/paths/SelectOffer.json"
+    }
+  },
+  "components": {
+    "schemas": {
+      "Login": {
+        "$ref": "swagger/schemas/LoginRequest.json"
+      },
+      "LoginResponse": {
+        "$ref": "swagger/schemas/LoginResponse.json"
+      },
+      "Register": {
+        "$ref": "swagger/schemas/SelectOfferRequest.json"
+      },
+      "RegisterResponse": {
+        "$ref": "swagger/schemas/RegisterResponse.json"
+      },
+      "ApiResponse": {
+        "$ref": "swagger/schemas/ApiResponse.json"
+      },
+      "AuthorizeResponse": {
+        "$ref": "swagger/schemas/AuthorizeResponse.json"
+      },
+      "AuthorizeRequest": {
+        "$ref": "swagger/schemas/AuthorizeRequest.json"
+      },
+      "AuthorizeRefreshResponse": {
+        "$ref": "swagger/schemas/AuthorizeRefreshResponse.json"
+      },
+      "AuthorizeRefreshRequest": {
+        "$ref": "swagger/schemas/AuthorizeRefreshRequest.json"
+      }
+    },
+    "securitySchemes": {
+      "basicAuth": {
+        "type": "http",
+        "scheme": "basic"
+      },
+      "bearerAuth": {
+        "type": "http",
+        "scheme": "bearer",
+        "bearerFormat": "JWT"
+      }
+    }
+  },
+  "security": [
+    {
+      "basicAuth": [],
+      "bearerAuth": []
+    }
+  ]
+}

app/swagger/paths/Authorize.json

@@ -0,0 +1,54 @@
+{
+  "post": {
+    "tags": ["Authorize"],
+    "summary": "Customer Authorize Request",
+    "description": "Customer Authorize Request",
+    "operationId": "Authorize",
+    "requestBody": {
+      "required": true,
+      "content": {
+        "application/json": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRequest.json"
+          }
+        },
+        "application/xml": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRequest.json"
+          }
+        },
+        "application/x-www-form-urlencoded": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRequest.json"
+          }
+        }
+      }
+    },
+    "responses": {
+      "200": {
+        "description": "Successful operation",
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/AuthorizeResponse.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/AuthorizeResponse.json"
+            }
+          }
+        }
+      },
+      "400": {
+        "description": "Invalid request parameters"
+      },
+      "422": {
+        "description": "Validation exception"
+      },
+      "500": {
+        "description": "Internal server error"
+      }
+    }
+  }
+}

app/swagger/paths/AuthorizeRefresh.json

@@ -0,0 +1,54 @@
+{
+  "post": {
+    "tags": ["Authorize Refresh"],
+    "summary": "Customer Authorize Refresh Request",
+    "description": "Customer Authorize Refresh Request",
+    "operationId": "AuthorizeRefresh",
+    "requestBody": {
+      "required": true,
+      "content": {
+        "application/json": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRefreshRequest.json"
+          }
+        },
+        "application/xml": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRefreshRequest.json"
+          }
+        },
+        "application/x-www-form-urlencoded": {
+          "schema": {
+            "$ref": "../schemas/AuthorizeRefreshRequest.json"
+          }
+        }
+      }
+    },
+    "responses": {
+      "200": {
+        "description": "Successful operation",
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/AuthorizeRefreshResponse.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/AuthorizeRefreshResponse.json"
+            }
+          }
+        }
+      },
+      "400": {
+        "description": "Invalid request parameters"
+      },
+      "422": {
+        "description": "Validation exception"
+      },
+      "500": {
+        "description": "Internal server error"
+      }
+    }
+  }
+}

app/swagger/paths/CustomerConsent.json

@@ -0,0 +1,56 @@
+{
+    "post": {
+      "tags": [
+        "CustomerConsent"
+      ],
+      "summary": "Customer Consent Request",
+      "description": "Customer Consent Request",
+      "operationId": "CustomerConsent",
+      "requestBody": {
+        "required": true,
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/CustomerConsentRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/CustomerConsentRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/CustomerConsentRequest.json"
+            }
+          }
+        }
+      },
+      "responses": {
+        "200": {
+          "description": "Successful",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/CustomerConsentResponse.json"
+                }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/CustomerConsentResponse.json"
+              }
+            }
+          }
+        },
+        "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/paths/EligibilityCheck.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+        "tags": [
+            "EligibilityCheck"
+        ],
+        "summary": "Start the process - initiate steps to eligibility RAC Checks ",
+        "description": "Initiate Eligibility Check Request",
+        "operationId": "startEligibilityCheck",
+        "requestBody": {
+            "description": "Post JSON to conduct eligibility tests",
+            "content": {
+                "application/json": {
+                    "schema": {
+                        "$ref": "../schemas/EligibilityCheckRequest.json"
+                    }
+                },
+                "application/xml": {
+                    "schema": {
+                        "$ref": "../schemas/EligibilityCheckRequest.json"
+                    }
+                },
+                "application/x-www-form-urlencoded": {
+                    "schema": {
+                        "$ref": "../schemas/EligibilityCheckRequest.json"
+                    }
+                }
+            },
+            "required": true
+        },
+        "responses": {
+            "200": {
+                "description": "Successful operation",
+                "content": {
+                    "application/json": {
+                        "schema": {
+                            "$ref": "../schemas/EligibilityCheckResponse.json"
+                        }
+                    },
+                    "application/xml": {
+                        "schema": {
+                            "$ref": "../schemas/EligibilityCheckResponse.json"
+                        }
+                    }
+                }
+            },
+            "400": {
+                "description": "Invalid request"
+            },
+            "422": {
+                "description": "Validation exception"
+            },
+            "500": {
+                "description": "Internal server error"
+            }
+        }
+    }
+}

app/swagger/paths/LoanStatus.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+      "tags": [
+        "LoanStatus"
+      ],
+      "summary": "Loan Information Request ",
+      "description": "Loan Information Request",
+      "operationId": "LoanStatus",
+      "requestBody": {
+        "description": "Post JSON to conduct eligibility tests",
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/LoanStatusRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/LoanStatusRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/LoanStatusRequest.json"
+            }
+          }
+        },
+        "required": true
+      },
+      "responses": {
+        "200": {
+          "description": "Successful operation",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/LoanStatusResponse.json"
+              }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/LoanStatusResponse.json"
+              }
+            }
+          }
+        },
+        "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/paths/Login.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+        "tags": [
+            "Login"
+        ],
+        "summary": "Start the process - initiate steps to eligibility RAC Checks ",
+        "description": "Initiate Login  Request",
+        "operationId": "startLogin",
+        "requestBody": {
+            "description": "Post JSON to conduct eligibility tests",
+            "content": {
+                "application/json": {
+                    "schema": {
+                        "$ref": "../schemas/LoginRequest.json"
+                    }
+                },
+                "application/xml": {
+                    "schema": {
+                        "$ref": "../schemas/LoginRequest.json"
+                    }
+                },
+                "application/x-www-form-urlencoded": {
+                    "schema": {
+                        "$ref": "../schemas/LoginRequest.json"
+                    }
+                }
+            },
+            "required": true
+        },
+        "responses": {
+            "200": {
+                "description": "Successful operation",
+                "content": {
+                    "application/json": {
+                        "schema": {
+                            "$ref": "../schemas/LoginResponse.json"
+                        }
+                    },
+                    "application/xml": {
+                        "schema": {
+                            "$ref": "../schemas/LoginResponse.json"
+                        }
+                    }
+                }
+            },
+            "400": {
+                "description": "Invalid request"
+            },
+            "422": {
+                "description": "Validation exception"
+            },
+            "500": {
+                "description": "Internal server error"
+            }
+        }
+    }
+}

app/swagger/paths/NotificationCallback.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+      "tags": [
+        "NotificationCallback"
+      ],
+      "summary": "Loan Information Request ",
+      "description": "Loan Information Request",
+      "operationId": "NotificationCallback",
+      "requestBody": {
+        "description": "Post JSON to conduct eligibility tests",
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/NotificationCallbackRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/NotificationCallbackRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/NotificationCallbackRequest.json"
+            }
+          }
+        },
+        "required": true
+      },
+      "responses": {
+        "200": {
+          "description": "Successful operation",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/NotificationCallbackResponse.json"
+              }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/NotificationCallbackResponse.json"
+              }
+            }
+          }
+        },
+       "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/paths/ProvideLoan.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+      "tags": [
+        "ProvideLoan"
+      ],
+      "summary": "Provide Loan Request ",
+      "description": "Provide Loan Request",
+      "operationId": "ProvideLoan",
+      "requestBody": {
+        "description": "Post JSON to conduct eligibility tests",
+        "content": {
+          "application/json": {
+            "schema": {
+              "$ref": "../schemas/ProvideLoanRequest.json"
+            }
+          },
+          "application/xml": {
+            "schema": {
+              "$ref": "../schemas/ProvideLoanRequest.json"
+            }
+          },
+          "application/x-www-form-urlencoded": {
+            "schema": {
+              "$ref": "../schemas/ProvideLoanRequest.json"
+            }
+          }
+        },
+        "required": true
+      },
+      "responses": {
+        "200": {
+          "description": "Successful operation",
+          "content": {
+            "application/json": {
+              "schema": {
+                "$ref": "../schemas/ProvideLoanResponse.json"
+              }
+            },
+            "application/xml": {
+              "schema": {
+                "$ref": "../schemas/ProvideLoanResponse.json"
+              }
+            }
+          }
+        },
+        "400": {
+          "description": "Invalid request"
+        },
+        "422": {
+          "description": "Validation exception"
+        },
+        "500": {
+          "description": "Internal server error"
+        }
+      }
+    }
+  }

app/swagger/paths/Repayment.json

@@ -0,0 +1,56 @@
+{
+    "post": {
+        "tags": [
+            "Repayment"
+        ],
+        "summary": "Repayment Request",
+        "description": "Repayment Request",
+        "operationId": "Repayment",
+        "requestBody": {
+            "required": true,
+            "content": {
+                "application/json": {
+                    "schema": {
+                        "$ref": "../schemas/RepaymentRequest.json"
+                    }
+                },
+                "application/xml": {
+                    "schema": {
+                        "$ref": "../schemas/RepaymentRequest.json"
+                    }
+                },
+                "application/x-www-form-urlencoded": {
+                    "schema": {
+                        "$ref": "../schemas/RepaymentRequest.json"
+                    }
+                }
+            }
+        },
+        "responses": {
+            "200": {
+                "description": "Repayment Successful",
+                "content": {
+                    "application/json": {
+                        "schema": {
+                            "$ref": "../schemas/RepaymentResponse.json"
+                        }
+                    },
+                    "application/xml": {
+                        "schema": {
+                            "$ref": "../schemas/RepaymentResponse.json"
+                        }
+                    }
+                }
+            },
+            "400": {
+                "description": "Invalid request"
+            },
+            "422": {
+                "description": "Validation exception"
+            },
+            "500": {
+                "description": "Internal server error"
+            }
+        }
+    }
+}

app/swagger/paths/SelectOffer.json

@@ -0,0 +1,57 @@
+{
+    "post": {
+        "tags": [
+            "SelectOffer"
+        ],
+        "summary": "This method is used the send the offer the customer selected to Simbrella ",
+        "description": "This method is used the send the offer the customer selected to Simbrella",
+        "operationId": "SelectOffer",
+        "requestBody": {
+            "description": "Post JSON to conduct eligibility tests",
+            "content": {
+                "application/json": {
+                    "schema": {
+                        "$ref": "../schemas/SelectOfferRequest.json"
+                    }
+                },
+                "application/xml": {
+                    "schema": {
+                        "$ref": "../schemas/SelectOfferRequest.json"
+                    }
+                },
+                "application/x-www-form-urlencoded": {
+                    "schema": {
+                        "$ref": "../schemas/SelectOfferRequest.json"
+                    }
+                }
+            },
+            "required": true
+        },
+        "responses": {
+            "200": {
+                "description": "Successful operation",
+                "content": {
+                    "application/json": {
+                        "schema": {
+                            "$ref": "../schemas/SelectOfferResponse.json"
+                        }
+                    },
+                    "application/xml": {
+                        "schema": {
+                            "$ref": "../schemas/SelectOfferResponse.json"
+                        }
+                    }
+                }
+            },
+            "400": {
+                "description": "Invalid request"
+            },
+            "422": {
+                "description": "Validation exception"
+            },
+            "500": {
+                "description": "Internal server error"
+            }
+        }
+    }
+}

app/swagger/schemas/ApiResponse.json

@@ -0,0 +1,18 @@
+{
+    "type": "object",
+    "properties": {
+        "code": {
+            "type": "integer",
+            "format": "int32"
+        },
+        "type": {
+            "type": "string"
+        },
+        "message": {
+            "type": "string"
+        }
+    },
+    "xml": {
+        "name": "##default"
+    }
+}

app/swagger/schemas/AuthorizeRefreshRequest.json

@@ -0,0 +1,7 @@
+{
+  "type": "object",
+  "properties": {},
+  "xml": {
+    "name": "AuthorizeRefreshRequest"
+  }
+}

app/swagger/schemas/AuthorizeRefreshResponse.json

@@ -0,0 +1,12 @@
+{
+  "type": "object",
+  "properties": {
+    "access_token": {
+      "type": "string",
+      "example": "access_token"
+    }
+  },
+  "xml": {
+    "name": "AuthorizeRefreshResponse"
+  }
+}

app/swagger/schemas/AuthorizeRequest.json

@@ -0,0 +1,16 @@
+{
+  "type": "object",
+  "properties": {
+    "username": {
+      "type": "string",
+      "example": "user"
+    },
+    "password": {
+      "type": "string",
+      "example": "password"
+    }
+  },
+  "xml": {
+    "name": "AuthorizeRequest"
+  }
+}

app/swagger/schemas/AuthorizeResponse.json

@@ -0,0 +1,16 @@
+{
+  "type": "object",
+  "properties": {
+    "access_token": {
+      "type": "string",
+      "example": "access_token"
+    },
+    "refresh_token": {
+      "type": "string",
+      "example": "refresh_token"
+    }
+  },
+  "xml": {
+    "name": "AuthorizeResponse"
+  }
+}

app/swagger/schemas/CustomerConsentRequest.json

@@ -0,0 +1,37 @@
+{
+    "type": "object",
+    "properties": {
+        "type": {
+            "type": "string",
+            "example": "CustomerConsentRequest"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "20171209232177"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        },
+        "requestTime": {
+            "type": "string",
+            "format": "date-time",
+            "example": "2019-10-18 14:26:21.063"
+        },
+        "consentType": {
+            "type": "string",
+            "example": "Revoke"
+        },
+        "channel": {
+            "type": "string",
+            "example": "USSD"
+        }
+    },
+    "xml": {
+        "name": "CustomerConsentRequest"
+    }
+}

app/swagger/schemas/CustomerConsentResponse.json

@@ -0,0 +1,16 @@
+{
+    "type": "object",
+    "properties": {
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Request is received"
+        }
+    },
+    "xml": {
+        "name": "CustomerConsentResponse"
+    }
+}

app/swagger/schemas/EligibilityCheckRequest.json

@@ -0,0 +1,32 @@
+{
+    "type": "object",
+    "properties": {
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
+        },
+        "countryCode": {
+            "type": "string",
+            "example": "NGR"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "8093451342"
+        },
+        "channel": {
+            "type": "string",
+            "example": "100"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        }
+    },
+    "xml": {
+        "name": "EligibilityCheckRequest"
+    }
+}

app/swagger/schemas/EligibilityCheckResponse.json

@@ -0,0 +1,82 @@
+{
+    "type": "object",
+    "properties": {
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "TX12345"
+        },
+        "countryCode": {
+            "type": "string",
+            "example": "NG"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "eligibleOffers": {
+            "type": "array",
+            "items": {
+                "type": "object",
+                "properties": {
+                    "offerId": {
+                        "type": "string",
+                        "example": "Offer1"
+                    },
+                    "productId": {
+                        "type": "string",
+                        "example": "Product1"
+                    },
+                    "minAamount": {
+                        "type": "number",
+                        "format": "decimal",
+                        "example": 100.00
+                    },
+                    "maxAamount": {
+                        "type": "number",
+                        "format": "decimal",
+                        "example": 1000.00
+                    },
+                    "tenor": {
+                        "type": "integer",
+                        "example": 12
+                    }
+                }
+            },
+            "example": [
+                {
+                    "offerId": "Offer1",
+                    "productId": "Product1",
+                    "minAamount": 100.00,
+                    "maxAamount": 1000.00,
+                    "tenor": 12
+                },
+                {
+                    "offerId": "Offer2",
+                    "productId": "Product2",
+                    "minAamount": 200.00,
+                    "maxAamount": 2000.00,
+                    "tenor": 24
+                }
+            ]
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
+        },
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        }
+    },
+    "xml": {
+        "name": "EligibilityCheckResponse"
+    }
+}

app/swagger/schemas/LoanStatusRequest.json

@@ -0,0 +1,28 @@
+{
+    "type": "object",
+    "properties": {
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "channel": {
+            "type": "string",
+            "example": "USSD"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        }
+    },
+    "xml": {
+        "name": "LoanStatusRequest"
+    }
+}

app/swagger/schemas/LoanStatusResponse.json

@@ -0,0 +1,83 @@
+{
+    "type": "object",
+    "properties": {
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
+        },
+        "loans": {
+            "type": "array",
+            "items": {
+                "type": "object",
+                "properties": {
+                    "debtId": {
+                        "type": "string",
+                        "example": "123456789"
+                    },
+                    "loanDate": {
+                        "type": "string",
+                        "format": "date-time",
+                        "example": "2019-10-18 14:26:21.063"
+                    },
+                    "dueDate": {
+                        "type": "string",
+                        "format": "date-time",
+                        "example": "2019-11-20 14:26:21.063"
+                    },
+                    "currentLoanAmount": {
+                        "type": "integer",
+                        "example": 8500
+                    },
+                    "initialLoanAmount": {
+                        "type": "integer",
+                        "example": 10000
+                    },
+                    "defaultPenaltyFee": {
+                        "type": "integer",
+                        "example": 0
+                    },
+                    "continuousFee": {
+                        "type": "integer",
+                        "example": 0
+                    },
+                    "productId": {
+                        "type": "string",
+                        "example": "101"
+                    },
+                    "installment": {
+            "type": "array",
+            "items": {
+                "type": "object",
+                "properties": {
+                    "amount": {
+                        "type": "number",
+                        "format": "float",
+                        "example": 10000.0
+                    },
+                    "repaymentDate": {
+                        "type": "string",
+                        "example": "2025-04-24 10:31:"
+                    }
+                }
+            }
+        }
+                }
+            }
+        },
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
+        }
+    },
+    "xml": {
+        "name": "LoanStatusResponse"
+    }
+}

app/swagger/schemas/LoginRequest.json

@@ -0,0 +1,16 @@
+{
+    "type": "object",
+    "properties": {
+        "username": {
+            "type": "string",
+            "example": "testaccount"
+        },
+        "password": {
+            "type": "string",
+            "example": "merms.user.panel"
+        }
+    },
+    "xml": {
+        "name": "LoginRequest"
+    }
+}

app/swagger/schemas/LoginResponse.json

@@ -0,0 +1,49 @@
+{
+    "type": "object",
+    "properties": {
+        "member_id": {
+            "type": "string",
+            "example": "200"
+        },
+        "uid": {
+            "type": "string",
+            "example": "8888-999998-9999"
+        },
+        "username": {
+            "type": "string",
+            "example": "username"
+        },
+                "account_name": {
+            "type": "string",
+            "example": "account_name"
+        },
+        "firstname": {
+            "type": "string",
+            "example": "firstname"
+        },
+        "lastname": {
+            "type": "string",
+            "example": "lastname"
+        },
+        "room": {
+            "type": "string",
+            "example": "room"
+        },
+        "token": {
+            "type": "string",
+            "example": "username"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
+        },
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        }
+    },
+    "xml": {
+        "name": "LoginResponse"
+    }
+}
+

app/swagger/schemas/NotificationCallbackRequest.json

@@ -0,0 +1,50 @@
+{
+    "type": "object",
+    "properties": {
+        "fbnTransactionId": {
+            "type": "string",
+            "example": "123456789"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "123456789"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        },
+        "debtId": {
+            "type": "string",
+            "example": "987654321"
+        },
+        "transactionType": {
+            "type": "string",
+            "example": "Disbursement"
+        },
+        "amountProvided": {
+            "type": "number",
+            "format": "float",
+            "example": 1000.00
+        },
+        "amountCollected": {
+            "type": "number",
+            "format": "float",
+            "example": 0.00
+        },
+        "responseCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "responseDescription": {
+            "type": "string",
+            "example": "Successful"
+        }
+    },
+    "xml": {
+        "name": "NotificationCallbackRequest"
+    }
+}

app/swagger/schemas/NotificationCallbackResponse.json

@@ -0,0 +1,16 @@
+{
+    "type": "object",
+    "properties": {
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
+        }
+    },
+    "xml": {
+        "name": "NotificationCallbackResponse"
+    }
+}

app/swagger/schemas/ProvideLoanRequest.json

@@ -0,0 +1,45 @@
+{
+    "type": "object",
+    "properties": {
+        "requestId": {
+            "type": "string",
+            "example": "202111170001371256908"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "requestedAmount": {
+            "type": "number",
+            "format": "decimal",
+            "example": 900
+        },
+        "collectionType": {
+            "type": "integer",
+            "example": 1
+        },
+        "offerId": {
+            "type": "integer",
+            "example": 1127
+        },
+        "channel": {
+            "type": "string",
+            "example": "100"
+        }
+    },
+    "xml": {
+        "name": "ProvideLoanRequest"
+    }
+}

app/swagger/schemas/ProvideLoanResponse.json

@@ -0,0 +1,40 @@
+{
+    "type": "object",
+    "properties": {
+        "requestId": {
+            "type": "string",
+            "example": "202111170001371256908"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "Tr201712RK9232P115"
+        },
+        "loanRef": {
+            "type": "string",
+            "example": "1620029887USSDAMPC"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CN621868"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        },
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "resultCode": {
+            "type": "string",
+            "example": "00"
+        },
+        "resultDescription": {
+            "type": "string",
+            "example": "Successful"
+        }
+    },
+    "xml": {
+        "name": "ProvideLoanResponse"
+    }
+}

app/swagger/schemas/RepaymentRequest.json

@@ -0,0 +1,32 @@
+{
+    "type": "object",
+    "properties": {
+        "msisdn": {
+            "type": "string",
+            "example": "3451342"
+        },
+        "debtId": {
+            "type": "string",
+            "example": "10"
+        },
+        "transactionId": {
+            "type": "string",
+            "example": "20171209232115"
+        },
+        "customerId": {
+            "type": "string",
+            "example": "CID0000025585"
+        },
+        "loanRef": {
+            "type": "string",
+            "example": "Trx5847365252USSD3MPC"
+        },
+        "accountId": {
+            "type": "string",
+            "example": "ACN8263457"
+        }
+    },
+    "xml": {
+        "name": "RepaymentRequest"
+    }
+}