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============================================================\n// SMEFlow — Val.town State Store + Mock APIs\n// ============================================================\n// Deploy as a single val on val.town\n// Endpoints:\n// POST /application — Create new (from PAN lookup)\n// GET /application/:id — Fetch full state\n// PATCH /application/:id — Update fields\n// GET /applications — List all\n// DELETE /application/:id — Delete\n// GET /lookup/:pan — PAN lookup (returns pre-seeded profile)\n// GET /profiles — List all test PANs\n// DELETE /reset — Reset to seed data\n// ============================================================\n\nimport { blob } from \"https://esm.town/v/std/blob\";\n\nconst STORE_KEY = \"smeflow_applications\";\nconst PROFILES_KEY = \"smeflow_profiles\";\n\n// ============================================================\n// 5 TEST PROFILES — Complete pre-seeded data\n// ============================================================\n\nconst TEST_PROFILES = {\n // ──────────────────────────────────────────────────────────\n // PROFILE 1: Clean Manufacturer (ETB) → Expected: GREEN\n // ──────────────────────────────────────────────────────────\n \"AAAPK1234A\": {\n pan: \"AAAPK1234A\",\n entity: {\n name: \"Kaveri Textiles Pvt Ltd\",\n constitution: \"Private Limited Company\",\n industry_code: \"17\",\n industry: \"Textiles - Manufacturing\",\n line_of_activity: \"Cotton textile manufacturing and export\",\n date_of_incorporation: \"2016-04-15\",\n vintage_years: 8,\n registered_address: {\n street: \"14, SIPCOT Industrial Complex\",\n city: \"Coimbatore\",\n state: \"Tamil Nadu\",\n pin: \"641049\",\n },\n gstin: \"33AAAPK1234A1Z5\",\n udyam: \"TN-33-0012345\",\n msme_category: \"Small\",\n relationship: \"ETB\",\n cbs_id: \"CUB-00451234\",\n existing_exposure: 2500000,\n internal_rating: \"A\",\n kyc_status: \"Verified\",\n ews_flags: [],\n },\n facility: {\n type: \"Working Capital\",\n product: \"OLCC\",\n requested_amount: 8000000,\n tenor_months: 12,\n purpose:\n \"Working capital for raw material purchase and operational expenses\",\n repayment_frequency: \"Monthly\",\n },\n key_persons: [\n {\n name: \"Rajesh Kumar\",\n pan: \"BKRPK5678B\",\n aadhaar_last4: \"4521\",\n designation: \"Managing Director\",\n shareholding_pct: 60,\n experience_years: 15,\n qualification: \"MBA - Textile Management\",\n cibil_score: 750,\n dob: \"1978-06-12\",\n },\n {\n name: \"Priya Kumar\",\n pan: \"CKRPK9012C\",\n aadhaar_last4: \"7832\",\n designation: \"Director\",\n shareholding_pct: 40,\n experience_years: 10,\n qualification: \"B.Com\",\n cibil_score: 740,\n dob: \"1982-09-25\",\n },\n ],\n co_obligant: null,\n guarantor: null,\n related_parties: [],\n bureau: {\n cmr_rank: 3,\n cibil_scores: { \"BKRPK5678B\": 750, \"CKRPK9012C\": 740 },\n dpd_90plus_last_12m: false,\n written_off: false,\n suit_filed: false,\n existing_funded_facilities: 2,\n total_external_exposure: 3500000,\n enquiry_count_6m: 1,\n },\n bank_statement: {\n period: \"Apr 2024 - Mar 2025\",\n months: 12,\n credit_summation: 21500000,\n average_balance: 850000,\n cheque_bounce_pct: 1.2,\n cash_deposit_pct: 8,\n emi_outflow_monthly: 45000,\n salary_credits: false,\n peak_balance: 2100000,\n min_balance: 180000,\n neft_rtgs_credit_pct: 78,\n },\n gst: {\n gstin: \"33AAAPK1234A1Z5\",\n filing_status: \"Regular\",\n monthly_sales: [\n { month: \"Apr-23\", amount: 1650000 },\n { month: \"May-23\", amount: 1720000 },\n { month: \"Jun-23\", amount: 1580000 },\n { month: \"Jul-23\", amount: 1810000 },\n { month: \"Aug-23\", amount: 1750000 },\n { month: \"Sep-23\", amount: 1900000 },\n { month: \"Oct-23\", amount: 1950000 },\n { month: \"Nov-23\", amount: 1680000 },\n { month: \"Dec-23\", amount: 1820000 },\n { month: \"Jan-24\", amount: 1760000 },\n { month: \"Feb-24\", amount: 1880000 },\n { month: \"Mar-24\", amount: 2000000 },\n { month: \"Apr-24\", amount: 1780000 },\n { month: \"May-24\", amount: 1850000 },\n { month: \"Jun-24\", amount: 1700000 },\n { month: \"Jul-24\", amount: 1920000 },\n { month: \"Aug-24\", amount: 1860000 },\n { month: \"Sep-24\", amount: 2050000 },\n { month: \"Oct-24\", amount: 2100000 },\n { month: \"Nov-24\", amount: 1800000 },\n { month: \"Dec-24\", amount: 1950000 },\n { month: \"Jan-25\", amount: 1900000 },\n { month: \"Feb-25\", amount: 2020000 },\n { month: \"Mar-25\", amount: 2150000 },\n ],\n rolling_12m_sales: 23330000,\n prev_12m_sales: 21500000,\n growth_rate_pct: 8.5,\n },\n financials: {\n fy_2023: {\n gross_sales: 20500000,\n net_sales: 20100000,\n ebitda: 2870000,\n ebitda_pct: 14.0,\n pat: 1640000,\n pat_pct: 8.0,\n total_assets: 15200000,\n net_worth: 8500000,\n total_debt: 6200000,\n current_ratio: 1.45,\n debt_equity: 0.73,\n interest_cost: 520000,\n },\n fy_2024: {\n gross_sales: 22000000,\n net_sales: 21600000,\n ebitda: 3300000,\n ebitda_pct: 15.0,\n pat: 1920000,\n pat_pct: 8.7,\n total_assets: 16800000,\n net_worth: 9800000,\n total_debt: 6500000,\n current_ratio: 1.52,\n debt_equity: 0.66,\n interest_cost: 540000,\n },\n projected_fy_2025: {\n gross_sales: 24000000,\n net_sales: 23500000,\n ebitda: 3720000,\n ebitda_pct: 15.5,\n pat: 2200000,\n },\n },\n eligibility: {\n method: \"MPBF (Nayak Committee)\",\n base_revenue: 23330000,\n growth_rate_pct: 8.5,\n growth_rate_capped_pct: 8.5,\n projected_revenue: 25312550,\n wc_requirement: 6328138,\n borrower_margin: 1265628,\n mpbf: 5062510,\n eligible_amount: 5062510,\n calculation_breakdown: {\n source: \"GST rolling 12 months\",\n base_revenue_source: \"Last 12M GST sales = 2,33,30,000\",\n growth_source: \"Rolling 12M growth = 8.5% (within 20% cap)\",\n projected: \"2,33,30,000 × 1.085 = 2,53,12,550\",\n wc_req: \"2,53,12,550 × 25% = 63,28,138\",\n margin: \"2,53,12,550 × 5% = 12,65,628\",\n mpbf: \"63,28,138 − 12,65,628 = 50,62,510\",\n },\n },\n pricing: {\n base_rate: 9.00,\n credit_risk_premium: 1.25,\n business_risk_premium: 0.50,\n total_spread: 1.75,\n security_coverage_adj: -0.20,\n priority_sector_adj: -0.50,\n final_spread: 1.05,\n recommended_roi: 10.05,\n processing_fee_pct: 0.50,\n },\n security: {\n primary: {\n type: \"Hypothecation\",\n description: \"Hypothecation of stock-in-trade and book debts\",\n value: 8500000,\n },\n collateral: {\n type: \"Land & Building\",\n description:\n \"Factory premises at SIPCOT Industrial Complex, Coimbatore\",\n market_value: 12000000,\n guideline_value: 8500000,\n existing_charge: false,\n },\n coverage_ratio_pct: 150,\n primary_margin_pct: 25,\n },\n gating: {\n rbi_negative: false,\n internal_negative: false,\n npa_last_12m: false,\n director_relationship: false,\n vintage_ok: true,\n exposure_within_limit: true,\n msme_turnover_ok: true,\n gst_applicability_ok: true,\n cooling_period_ok: true,\n all_passed: true,\n },\n expected_outcome: \"GREEN\",\n },\n\n // ──────────────────────────────────────────────────────────\n // PROFILE 2: Borderline Trader (NTB) → Expected: AMBER\n // ──────────────────────────────────────────────────────────\n \"BBBPT5678B\": {\n pan: \"BBBPT5678B\",\n entity: {\n name: \"Priya Trading Co\",\n constitution: \"Partnership\",\n industry_code: \"46\",\n industry: \"Retail - Hardware & Paints\",\n line_of_activity: \"Wholesale and retail trading of hardware and paints\",\n date_of_incorporation: \"2022-01-10\",\n vintage_years: 3,\n registered_address: {\n street: \"Shop 12, Gandhi Market Complex\",\n city: \"Salem\",\n state: \"Tamil Nadu\",\n pin: \"636001\",\n },\n gstin: \"33BBBPT5678B1Z3\",\n udyam: \"TN-33-0034567\",\n msme_category: \"Micro\",\n relationship: \"NTB\",\n cbs_id: null,\n existing_exposure: 0,\n internal_rating: null,\n kyc_status: null,\n ews_flags: [],\n },\n facility: {\n type: \"Combined\",\n products: [\"OLCC\", \"OSL-EMI\"],\n wc_requested: 4000000,\n tl_requested: 2000000,\n total_requested: 6000000,\n tl_tenor_months: 60,\n tl_purpose: \"Purchase of commercial vehicle for delivery\",\n wc_purpose: \"Working capital for inventory build-up\",\n repayment_frequency: \"Monthly\",\n },\n key_persons: [\n {\n name: \"Priya Venkatesh\",\n pan: \"DPRVN3456D\",\n aadhaar_last4: \"9123\",\n designation: \"Managing Partner\",\n shareholding_pct: 50,\n experience_years: 5,\n qualification: \"B.Com\",\n cibil_score: 680,\n dob: \"1990-03-18\",\n },\n {\n name: \"Venkatesh Raman\",\n pan: \"EPRVN7890E\",\n aadhaar_last4: \"3456\",\n designation: \"Partner\",\n shareholding_pct: 50,\n experience_years: 8,\n qualification: \"Diploma in Business\",\n cibil_score: 695,\n dob: \"1985-11-05\",\n },\n ],\n co_obligant: null,\n guarantor: null,\n related_parties: [],\n bureau: {\n cmr_rank: 5,\n cibil_scores: { \"DPRVN3456D\": 680, \"EPRVN7890E\": 695 },\n dpd_90plus_last_12m: false,\n written_off: false,\n suit_filed: false,\n existing_funded_facilities: 1,\n total_external_exposure: 1200000,\n enquiry_count_6m: 4,\n },\n bank_statement: {\n period: \"Apr 2024 - Mar 2025\",\n months: 12,\n credit_summation: 7800000,\n average_balance: 220000,\n cheque_bounce_pct: 5.8,\n cash_deposit_pct: 32,\n emi_outflow_monthly: 22000,\n salary_credits: false,\n peak_balance: 580000,\n min_balance: 35000,\n neft_rtgs_credit_pct: 45,\n },\n gst: {\n gstin: \"33BBBPT5678B1Z3\",\n filing_status: \"Regular\",\n monthly_sales: [\n { month: \"Apr-23\", amount: 580000 },\n { month: \"May-23\", amount: 620000 },\n { month: \"Jun-23\", amount: 550000 },\n { month: \"Jul-23\", amount: 690000 },\n { month: \"Aug-23\", amount: 640000 },\n { month: \"Sep-23\", amount: 710000 },\n { month: \"Oct-23\", amount: 750000 },\n { month: \"Nov-23\", amount: 680000 },\n { month: \"Dec-23\", amount: 720000 },\n { month: \"Jan-24\", amount: 660000 },\n { month: \"Feb-24\", amount: 700000 },\n { month: \"Mar-24\", amount: 760000 },\n { month: \"Apr-24\", amount: 650000 },\n { month: \"May-24\", amount: 700000 },\n { month: \"Jun-24\", amount: 620000 },\n { month: \"Jul-24\", amount: 750000 },\n { month: \"Aug-24\", amount: 710000 },\n { month: \"Sep-24\", amount: 780000 },\n { month: \"Oct-24\", amount: 820000 },\n { month: \"Nov-24\", amount: 740000 },\n { month: \"Dec-24\", amount: 790000 },\n { month: \"Jan-25\", amount: 720000 },\n { month: \"Feb-25\", amount: 770000 },\n { month: \"Mar-25\", amount: 830000 },\n ],\n rolling_12m_sales: 8880000,\n prev_12m_sales: 8060000,\n growth_rate_pct: 10.2,\n },\n financials: {\n fy_2023: {\n gross_sales: 7500000,\n net_sales: 7350000,\n ebitda: 525000,\n ebitda_pct: 7.0,\n pat: 300000,\n pat_pct: 4.0,\n total_assets: 4200000,\n net_worth: 1800000,\n total_debt: 2200000,\n current_ratio: 1.15,\n debt_equity: 1.22,\n interest_cost: 210000,\n },\n fy_2024: {\n gross_sales: 8200000,\n net_sales: 8050000,\n ebitda: 615000,\n ebitda_pct: 7.5,\n pat: 370000,\n pat_pct: 4.5,\n total_assets: 4800000,\n net_worth: 2100000,\n total_debt: 2500000,\n current_ratio: 1.18,\n debt_equity: 1.19,\n interest_cost: 240000,\n },\n projected_fy_2025: {\n gross_sales: 9200000,\n net_sales: 9000000,\n ebitda: 736000,\n ebitda_pct: 8.0,\n pat: 460000,\n },\n },\n eligibility: {\n wc: {\n method: \"MPBF (Nayak Committee)\",\n base_revenue: 8880000,\n growth_rate_pct: 10.2,\n growth_rate_capped_pct: 10.2,\n projected_revenue: 9785760,\n wc_requirement: 2446440,\n borrower_margin: 489288,\n mpbf: 1957152,\n eligible_amount: 1957152,\n calculation_breakdown: {\n source: \"GST rolling 12 months\",\n base_revenue_source: \"Last 12M GST sales = 88,80,000\",\n growth_source: \"Rolling 12M growth = 10.2% (within 20% cap)\",\n projected: \"88,80,000 × 1.102 = 97,85,760\",\n wc_req: \"97,85,760 × 25% = 24,46,440\",\n margin: \"97,85,760 × 5% = 4,89,288\",\n mpbf: \"24,46,440 − 4,89,288 = 19,57,152\",\n },\n },\n tl: {\n method: \"DSCR-based\",\n projected_sales_yr1: 9200000,\n pbdit_pct: 7.5,\n tax_rate_pct: 25,\n operating_cf: 517500,\n existing_obligations_annual: 264000,\n min_dscr: 1.2,\n available_cf: 167250,\n max_emi: 13937,\n eligible_amount: 680000,\n proposed_dscr: 1.3,\n historical_dscr: 1.8,\n calculation_breakdown: {\n ocf: \"92,00,000 × 7.5% × (1-0.25) = 5,17,500\",\n existing: \"EMI 22,000/m = 2,64,000/yr\",\n available: \"5,17,500/1.2 − 2,64,000 = 1,67,250\",\n max_emi: \"1,67,250/12 = 13,937\",\n eligible: \"PV of 13,937/m for 60m at 11.5% = ~6,80,000\",\n },\n },\n },\n pricing: {\n base_rate: 9.00,\n credit_risk_premium: 2.50,\n business_risk_premium: 1.00,\n total_spread: 3.50,\n security_coverage_adj: 0.00,\n priority_sector_adj: -0.50,\n tenure_premium: 0.25,\n final_spread: 3.25,\n recommended_roi: 12.25,\n processing_fee_pct: 1.00,\n },\n security: {\n primary: {\n type: \"Hypothecation\",\n description: \"Hypothecation of stock-in-trade\",\n value: 3500000,\n },\n collateral: {\n type: \"Land & Building\",\n description: \"Residential property at Salem\",\n market_value: 4500000,\n guideline_value: 3200000,\n existing_charge: false,\n },\n coverage_ratio_pct: 108,\n primary_margin_pct: 20,\n },\n gating: {\n rbi_negative: false,\n internal_negative: false,\n npa_last_12m: false,\n director_relationship: false,\n vintage_ok: true,\n exposure_within_limit: true,\n msme_turnover_ok: true,\n gst_applicability_ok: true,\n cooling_period_ok: true,\n all_passed: true,\n },\n expected_outcome: \"AMBER\",\n },\n\n // ──────────────────────────────────────────────────────────\n // PROFILE 3: Stressed Services (ETB) → Expected: AMBER + deviations\n // ──────────────────────────────────────────────────────────\n \"CCCRS9012C\": {\n pan: \"CCCRS9012C\",\n entity: {\n name: \"Ravi IT Services LLP\",\n constitution: \"Limited Liability Partnership\",\n industry_code: \"62\",\n industry: \"Professional & Technical Services\",\n line_of_activity: \"IT staffing and project-based consulting\",\n date_of_incorporation: \"2019-08-20\",\n vintage_years: 5,\n registered_address: {\n street: \"3rd Floor, Tech Park Tower\",\n city: \"Chennai\",\n state: \"Tamil Nadu\",\n pin: \"600032\",\n },\n gstin: \"33CCCRS9012C1Z1\",\n udyam: \"TN-33-0056789\",\n msme_category: \"Small\",\n relationship: \"ETB\",\n cbs_id: \"CUB-00789456\",\n existing_exposure: 5000000,\n internal_rating: \"BB\",\n kyc_status: \"Verified\",\n ews_flags: [\"Declining account balance trend\", \"SMA-0 flag in Q3\"],\n },\n facility: {\n type: \"Term Loan\",\n product: \"OSL-EMI\",\n requested_amount: 10000000,\n tenor_months: 84,\n purpose: \"Business expansion - new office setup and equipment\",\n repayment_frequency: \"Monthly\",\n },\n key_persons: [\n {\n name: \"Ravi Shankar\",\n pan: \"FRSHN1234F\",\n aadhaar_last4: \"6789\",\n designation: \"Designated Partner\",\n shareholding_pct: 70,\n experience_years: 12,\n qualification: \"B.Tech, MBA\",\n cibil_score: 620,\n dob: \"1982-01-15\",\n },\n {\n name: \"Meena Shankar\",\n pan: \"GMSHN5678G\",\n aadhaar_last4: \"0123\",\n designation: \"Partner\",\n shareholding_pct: 30,\n experience_years: 6,\n qualification: \"MCA\",\n cibil_score: 645,\n dob: \"1988-07-30\",\n },\n ],\n co_obligant: null,\n guarantor: {\n name: \"Shankar Raman\",\n pan: \"HSRMN9012H\",\n relationship: \"Father\",\n cibil_score: 710,\n property: \"Residential house in Chennai, market value 85L\",\n },\n related_parties: [],\n bureau: {\n cmr_rank: 7,\n cibil_scores: { \"FRSHN1234F\": 620, \"GMSHN5678G\": 645 },\n dpd_90plus_last_12m: false,\n written_off: false,\n suit_filed: false,\n existing_funded_facilities: 3,\n total_external_exposure: 8500000,\n enquiry_count_6m: 6,\n },\n bank_statement: {\n period: \"Apr 2024 - Mar 2025\",\n months: 12,\n credit_summation: 14200000,\n average_balance: 380000,\n cheque_bounce_pct: 8.5,\n cash_deposit_pct: 5,\n emi_outflow_monthly: 95000,\n salary_credits: false,\n peak_balance: 1200000,\n min_balance: 45000,\n neft_rtgs_credit_pct: 82,\n },\n gst: {\n gstin: \"33CCCRS9012C1Z1\",\n filing_status: \"Regular\",\n monthly_sales: [\n { month: \"Apr-23\", amount: 1400000 },\n { month: \"May-23\", amount: 1350000 },\n { month: \"Jun-23\", amount: 1300000 },\n { month: \"Jul-23\", amount: 1450000 },\n { month: \"Aug-23\", amount: 1380000 },\n { month: \"Sep-23\", amount: 1500000 },\n { month: \"Oct-23\", amount: 1420000 },\n { month: \"Nov-23\", amount: 1280000 },\n { month: \"Dec-23\", amount: 1350000 },\n { month: \"Jan-24\", amount: 1200000 },\n { month: \"Feb-24\", amount: 1250000 },\n { month: \"Mar-24\", amount: 1320000 },\n { month: \"Apr-24\", amount: 1180000 },\n { month: \"May-24\", amount: 1220000 },\n { month: \"Jun-24\", amount: 1100000 },\n { month: \"Jul-24\", amount: 1250000 },\n { month: \"Aug-24\", amount: 1200000 },\n { month: \"Sep-24\", amount: 1300000 },\n { month: \"Oct-24\", amount: 1150000 },\n { month: \"Nov-24\", amount: 1080000 },\n { month: \"Dec-24\", amount: 1120000 },\n { month: \"Jan-25\", amount: 1050000 },\n { month: \"Feb-25\", amount: 1100000 },\n { month: \"Mar-25\", amount: 1150000 },\n ],\n rolling_12m_sales: 13900000,\n prev_12m_sales: 16200000,\n growth_rate_pct: -14.2,\n },\n financials: {\n fy_2023: {\n gross_sales: 17000000,\n net_sales: 16800000,\n ebitda: 2040000,\n ebitda_pct: 12.0,\n pat: 1020000,\n pat_pct: 6.0,\n total_assets: 12500000,\n net_worth: 5500000,\n total_debt: 6800000,\n current_ratio: 1.08,\n debt_equity: 1.24,\n interest_cost: 680000,\n },\n fy_2024: {\n gross_sales: 15500000,\n net_sales: 15200000,\n ebitda: 1550000,\n ebitda_pct: 10.0,\n pat: 620000,\n pat_pct: 4.0,\n total_assets: 12800000,\n net_worth: 5200000,\n total_debt: 7400000,\n current_ratio: 0.95,\n debt_equity: 1.42,\n interest_cost: 750000,\n },\n projected_fy_2025: {\n gross_sales: 14500000,\n net_sales: 14200000,\n ebitda: 1450000,\n ebitda_pct: 10.0,\n pat: 500000,\n },\n },\n eligibility: {\n method: \"DSCR-based\",\n projected_sales_yr1: 14500000,\n pbdit_pct: 10.0,\n tax_rate_pct: 25,\n operating_cf: 1087500,\n existing_obligations_annual: 1140000,\n min_dscr: 1.2,\n available_cf: -233750,\n max_emi: 0,\n eligible_amount: 0,\n proposed_dscr: 0.9,\n historical_dscr: 1.1,\n note:\n \"Negative available CF. Existing obligations exceed capacity at min DSCR. Eligible amount is effectively 0 under standard norms. Requires deviation approval.\",\n calculation_breakdown: {\n ocf: \"1,45,00,000 × 10% × (1-0.25) = 10,87,500\",\n existing: \"EMI 95,000/m = 11,40,000/yr\",\n available: \"10,87,500/1.2 − 11,40,000 = -2,33,750\",\n note:\n \"Cannot service new debt without restructuring existing obligations\",\n },\n },\n pricing: {\n base_rate: 9.00,\n credit_risk_premium: 3.50,\n business_risk_premium: 1.50,\n total_spread: 5.00,\n security_coverage_adj: 0.10,\n priority_sector_adj: -0.50,\n tenure_premium: 0.50,\n final_spread: 5.10,\n recommended_roi: 14.10,\n processing_fee_pct: 1.00,\n },\n security: {\n primary: {\n type: \"Hypothecation\",\n description: \"Hypothecation of IT equipment and furniture\",\n value: 3500000,\n },\n collateral: {\n type: \"Land & Building\",\n description: \"Office unit in Tech Park, Chennai (leased, not owned)\",\n market_value: 0,\n guideline_value: 0,\n existing_charge: false,\n note: \"Leased premises - cannot be offered as collateral\",\n },\n guarantor_property: {\n description: \"Residential house, Chennai (guarantor-owned)\",\n market_value: 8500000,\n guideline_value: 6000000,\n },\n coverage_ratio_pct: 72,\n primary_margin_pct: 15,\n },\n gating: {\n rbi_negative: false,\n internal_negative: false,\n npa_last_12m: false,\n director_relationship: false,\n vintage_ok: true,\n exposure_within_limit: true,\n msme_turnover_ok: true,\n gst_applicability_ok: true,\n cooling_period_ok: true,\n all_passed: true,\n },\n expected_outcome: \"AMBER\",\n },\n\n // ──────────────────────────────────────────────────────────\n // PROFILE 4: New Business (NTC) → Expected: AMBER (NTC)\n // ──────────────────────────────────────────────────────────\n \"DDDNB3456D\": {\n pan: \"DDDNB3456D\",\n entity: {\n name: \"Arjun Enterprises\",\n constitution: \"Proprietorship\",\n industry_code: \"56\",\n industry: \"Food & Beverages\",\n line_of_activity: \"Catering and food delivery services\",\n date_of_incorporation: \"2024-07-01\",\n vintage_years: 0.7,\n registered_address: {\n street: \"45, Anna Nagar Main Road\",\n city: \"Madurai\",\n state: \"Tamil Nadu\",\n pin: \"625020\",\n },\n gstin: \"33DDDNB3456D1Z9\",\n udyam: \"TN-33-0078901\",\n msme_category: \"Micro\",\n relationship: \"NTB\",\n cbs_id: null,\n existing_exposure: 0,\n internal_rating: null,\n kyc_status: null,\n ews_flags: [],\n },\n facility: {\n type: \"Working Capital\",\n product: \"Secured OD\",\n requested_amount: 1500000,\n tenor_months: 12,\n purpose: \"Working capital for catering business operations\",\n repayment_frequency: \"Monthly\",\n },\n key_persons: [\n {\n name: \"Arjun Murugan\",\n pan: \"IARMN5678I\",\n aadhaar_last4: \"2345\",\n designation: \"Proprietor\",\n shareholding_pct: 100,\n experience_years: 2,\n qualification: \"12th Pass\",\n cibil_score: -1,\n dob: \"1996-12-10\",\n },\n ],\n co_obligant: null,\n guarantor: null,\n related_parties: [],\n bureau: {\n cmr_rank: null,\n cmr_note: \"No commercial bureau history\",\n cibil_scores: { \"IARMN5678I\": -1 },\n cibil_note: \"New to Credit - no consumer bureau history\",\n dpd_90plus_last_12m: false,\n written_off: false,\n suit_filed: false,\n existing_funded_facilities: 0,\n total_external_exposure: 0,\n enquiry_count_6m: 0,\n },\n bank_statement: {\n period: \"Jul 2024 - Mar 2025\",\n months: 9,\n credit_summation: 2200000,\n average_balance: 85000,\n cheque_bounce_pct: 2.0,\n cash_deposit_pct: 55,\n emi_outflow_monthly: 0,\n salary_credits: false,\n peak_balance: 210000,\n min_balance: 12000,\n neft_rtgs_credit_pct: 25,\n },\n gst: {\n gstin: \"33DDDNB3456D1Z9\",\n filing_status: \"Regular\",\n monthly_sales: [\n { month: \"Jul-24\", amount: 220000 },\n { month: \"Aug-24\", amount: 250000 },\n { month: \"Sep-24\", amount: 280000 },\n { month: \"Oct-24\", amount: 310000 },\n { month: \"Nov-24\", amount: 290000 },\n { month: \"Dec-24\", amount: 340000 },\n { month: \"Jan-25\", amount: 320000 },\n { month: \"Feb-25\", amount: 350000 },\n { month: \"Mar-25\", amount: 380000 },\n ],\n rolling_9m_sales: 2740000,\n annualized_sales: 3653333,\n growth_rate_pct: null,\n growth_note: \"Standard industry growth applied (vintage < 18 months)\",\n },\n financials: {\n note:\n \"No audited financials available. Business commenced July 2024. Only GST and bank statement data available.\",\n fy_2024: null,\n fy_2023: null,\n projected_fy_2025: {\n gross_sales: 4000000,\n ebitda: 240000,\n ebitda_pct: 6.0,\n pat: 140000,\n },\n },\n eligibility: {\n method: \"MPBF (Nayak Committee) - Low Vintage\",\n base_revenue: 3653333,\n growth_rate_pct: 8.0,\n growth_note: \"Standard industry growth for F&B sector\",\n projected_revenue: 3945600,\n wc_requirement: 986400,\n borrower_margin: 197280,\n mpbf: 789120,\n eligible_amount: 789120,\n calculation_breakdown: {\n source: \"Annualized GST (9 months)\",\n base_revenue_source: \"9M GST annualized = 27,40,000 × 12/9 = 36,53,333\",\n growth_source: \"Standard F&B industry growth = 8%\",\n projected: \"36,53,333 × 1.08 = 39,45,600\",\n wc_req: \"39,45,600 × 25% = 9,86,400\",\n margin: \"39,45,600 × 5% = 1,97,280\",\n mpbf: \"9,86,400 − 1,97,280 = 7,89,120\",\n },\n },\n pricing: {\n base_rate: 9.00,\n credit_risk_premium: 3.00,\n business_risk_premium: 1.50,\n total_spread: 4.50,\n security_coverage_adj: 0.20,\n priority_sector_adj: -0.50,\n final_spread: 4.20,\n recommended_roi: 13.20,\n processing_fee_pct: 1.00,\n },\n security: {\n primary: {\n type: \"Hypothecation\",\n description: \"Hypothecation of catering equipment and utensils\",\n value: 800000,\n },\n collateral: {\n type: \"Fixed Deposit\",\n description: \"FD with Canara Bank\",\n value: 500000,\n existing_charge: false,\n },\n coverage_ratio_pct: 87,\n primary_margin_pct: 20,\n },\n gating: {\n rbi_negative: false,\n internal_negative: false,\n npa_last_12m: false,\n director_relationship: false,\n vintage_ok: true,\n vintage_note: \"8 months - above 6 month minimum for WC\",\n exposure_within_limit: true,\n msme_turnover_ok: true,\n gst_applicability_ok: true,\n cooling_period_ok: true,\n all_passed: true,\n },\n expected_outcome: \"AMBER\",\n },\n\n // ──────────────────────────────────────────────────────────\n // PROFILE 5: Toxic Profile → Expected: RED\n // ──────────────────────────────────────────────────────────\n \"EEETX7890E\": {\n pan: \"EEETX7890E\",\n entity: {\n name: \"Zenith Industries\",\n constitution: \"Proprietorship\",\n industry_code: \"25\",\n industry: \"Plastic Goods - Manufacturing\",\n line_of_activity: \"Plastic container manufacturing\",\n date_of_incorporation: \"2023-03-15\",\n vintage_years: 2,\n registered_address: {\n street: \"Plot 78, Industrial Estate\",\n city: \"Tiruchirappalli\",\n state: \"Tamil Nadu\",\n pin: \"620015\",\n },\n gstin: \"33EEETX7890E1Z7\",\n udyam: \"TN-33-0090123\",\n msme_category: \"Micro\",\n relationship: \"NTB\",\n cbs_id: null,\n existing_exposure: 0,\n internal_rating: null,\n kyc_status: null,\n ews_flags: [],\n },\n facility: {\n type: \"Working Capital\",\n product: \"OLCC\",\n requested_amount: 5000000,\n tenor_months: 12,\n purpose: \"Working capital for raw material and operations\",\n repayment_frequency: \"Monthly\",\n },\n key_persons: [\n {\n name: \"Karthik Raj\",\n pan: \"JKRAJ1234J\",\n aadhaar_last4: \"5678\",\n designation: \"Proprietor\",\n shareholding_pct: 100,\n experience_years: 3,\n qualification: \"B.E. Mechanical\",\n cibil_score: 540,\n dob: \"1992-05-22\",\n },\n ],\n co_obligant: null,\n guarantor: null,\n related_parties: [],\n bureau: {\n cmr_rank: 9,\n cibil_scores: { \"JKRAJ1234J\": 540 },\n dpd_90plus_last_12m: true,\n written_off: true,\n written_off_amount: 350000,\n suit_filed: false,\n existing_funded_facilities: 2,\n total_external_exposure: 2800000,\n enquiry_count_6m: 9,\n },\n bank_statement: {\n period: \"Apr 2024 - Mar 2025\",\n months: 12,\n credit_summation: 4800000,\n average_balance: 65000,\n cheque_bounce_pct: 18.5,\n cash_deposit_pct: 48,\n emi_outflow_monthly: 42000,\n salary_credits: false,\n peak_balance: 280000,\n min_balance: 5000,\n neft_rtgs_credit_pct: 28,\n },\n gst: {\n gstin: \"33EEETX7890E1Z7\",\n filing_status: \"Irregular\",\n monthly_sales: [\n { month: \"Apr-23\", amount: 450000 },\n { month: \"May-23\", amount: 420000 },\n { month: \"Jun-23\", amount: 380000 },\n { month: \"Jul-23\", amount: 510000 },\n { month: \"Aug-23\", amount: 470000 },\n { month: \"Sep-23\", amount: 490000 },\n { month: \"Oct-23\", amount: 440000 },\n { month: \"Nov-23\", amount: 400000 },\n { month: \"Dec-23\", amount: 350000 },\n { month: \"Jan-24\", amount: 380000 },\n { month: \"Feb-24\", amount: 360000 },\n { month: \"Mar-24\", amount: 410000 },\n { month: \"Apr-24\", amount: 350000 },\n { month: \"May-24\", amount: 320000 },\n { month: \"Jun-24\", amount: 280000 },\n { month: \"Jul-24\", amount: 350000 },\n { month: \"Aug-24\", amount: 310000 },\n { month: \"Sep-24\", amount: 340000 },\n { month: \"Oct-24\", amount: 290000 },\n { month: \"Nov-24\", amount: 260000 },\n { month: \"Dec-24\", amount: 300000 },\n { month: \"Jan-25\", amount: 270000 },\n { month: \"Feb-25\", amount: 250000 },\n { month: \"Mar-25\", amount: 280000 },\n ],\n rolling_12m_sales: 3600000,\n prev_12m_sales: 5060000,\n growth_rate_pct: -28.9,\n },\n financials: {\n fy_2023: null,\n fy_2024: {\n gross_sales: 5200000,\n net_sales: 5000000,\n ebitda: 260000,\n ebitda_pct: 5.0,\n pat: -120000,\n pat_pct: -2.3,\n total_assets: 3200000,\n net_worth: 400000,\n total_debt: 2800000,\n current_ratio: 0.72,\n debt_equity: 7.0,\n interest_cost: 380000,\n },\n projected_fy_2025: {\n gross_sales: 4000000,\n ebitda: 200000,\n ebitda_pct: 5.0,\n pat: -80000,\n },\n },\n eligibility: {\n method: \"N/A - Application expected to fail at gating (CMR 9)\",\n eligible_amount: 0,\n note:\n \"CMR rank 9 triggers automatic rejection at gating. Written-off account and 90+ DPD also trigger rejection independently.\",\n },\n pricing: {\n note: \"Pricing not applicable - application rejected at gating\",\n },\n security: {\n primary: {\n type: \"Hypothecation\",\n description: \"Hypothecation of plastic moulds and machinery\",\n value: 1500000,\n },\n collateral: null,\n coverage_ratio_pct: 30,\n primary_margin_pct: 10,\n },\n gating: {\n rbi_negative: false,\n internal_negative: false,\n npa_last_12m: false,\n director_relationship: false,\n vintage_ok: true,\n exposure_within_limit: true,\n msme_turnover_ok: true,\n gst_applicability_ok: true,\n cooling_period_ok: true,\n cmr_reject: true,\n cmr_rank: 9,\n written_off_reject: true,\n dpd_90plus_reject: true,\n all_passed: false,\n rejection_reasons: [\n \"CMR rank 9 (threshold: <= 8)\",\n \"Written-off account found (amount: 3,50,000)\",\n \"90+ DPD in last 12 months\",\n ],\n },\n expected_outcome: \"RED\",\n },\n};\n\n// ============================================================\n// HELPER FUNCTIONS\n// ============================================================\n\nasync function getStore() {\n try {\n return await blob.getJSON(STORE_KEY) || {};\n } catch {\n return {};\n }\n}\n\nasync function setStore(data) {\n await blob.setJSON(STORE_KEY, data);\n}\n\nasync function getProfiles() {\n return TEST_PROFILES;\n}\n\nfunction generateId() {\n return \"SME-\" + Date.now().toString(36).toUpperCase() +\n Math.random().toString(36).substring(2, 6).toUpperCase();\n}\n\nfunction corsHeaders() {\n return {\n \"Access-Control-Allow-Origin\": \"*\",\n \"Access-Control-Allow-Methods\": \"GET, POST, PATCH, DELETE, OPTIONS\",\n \"Access-Control-Allow-Headers\": \"Content-Type\",\n \"Content-Type\": \"application/json\",\n };\n}\n\nfunction json(data, status = 200) {\n return new Response(JSON.stringify(data, null, 2), {\n status,\n headers: corsHeaders(),\n });\n}\n\n// ============================================================\n// MAIN HANDLER\n// ============================================================\n\nexport default async function (req: Request): Promise {\n if (req.method === \"OPTIONS\") {\n return new Response(null, { headers: corsHeaders() });\n }\n\n const url = new URL(req.url);\n const path = url.pathname;\n const method = req.method;\n\n try {\n // ── List all test profiles ──\n if (path === \"/profiles\" && method === \"GET\") {\n const profiles = await getProfiles();\n const summary = Object.entries(profiles).map(([pan, p]) => ({\n pan,\n name: p.entity.name,\n industry: p.entity.industry,\n relationship: p.entity.relationship,\n expected_outcome: p.expected_outcome,\n }));\n return json({ profiles: summary });\n }\n\n // ── PAN lookup (returns full pre-seeded profile) ──\n if (path.startsWith(\"/lookup/\") && method === \"GET\") {\n const pan = path.split(\"/lookup/\")[1]?.toUpperCase();\n const profiles = await getProfiles();\n if (!profiles[pan]) {\n return json({ error: \"PAN not found\", pan }, 404);\n }\n return json({ found: true, profile: profiles[pan] });\n }\n\n // ── Create application from PAN ──\n if (path === \"/application\" && method === \"POST\") {\n const body = await req.json();\n const pan = body.pan?.toUpperCase();\n\n if (!pan) return json({ error: \"PAN is required\" }, 400);\n\n const profiles = await getProfiles();\n const profile = profiles[pan];\n if (!profile) {\n return json({ error: \"PAN not found in test profiles\", pan }, 404);\n }\n\n const id = generateId();\n const application = {\n application_id: id,\n created_at: new Date().toISOString(),\n status: \"application_initiated\",\n current_step: 1,\n swimlane: null,\n ...profile,\n // Runtime fields (populated by LLM agents)\n scorecard: null,\n deviations: null,\n term_sheet: null,\n sanction: null,\n queries: [],\n audit_trail: [{\n action: \"application_created\",\n user: body.user || \"branch_officer\",\n timestamp: new Date().toISOString(),\n details: `Application created for PAN ${pan}`,\n }],\n };\n\n const store = await getStore();\n store[id] = application;\n await setStore(store);\n\n return json({\n application_id: id,\n status: \"application_initiated\",\n entity_name: profile.entity.name,\n }, 201);\n }\n\n // ── Get single application ──\n if (path.startsWith(\"/application/\") && method === \"GET\") {\n const id = path.split(\"/application/\")[1];\n const store = await getStore();\n if (!store[id]) return json({ error: \"Application not found\" }, 404);\n return json(store[id]);\n }\n\n // ── Update application ──\n if (path.startsWith(\"/application/\") && method === \"PATCH\") {\n const id = path.split(\"/application/\")[1];\n const store = await getStore();\n if (!store[id]) return json({ error: \"Application not found\" }, 404);\n\n const updates = await req.json();\n\n // Deep merge\n for (const [key, value] of Object.entries(updates)) {\n if (key === \"audit_trail\" && Array.isArray(value)) {\n store[id].audit_trail = [...(store[id].audit_trail || []), ...value];\n } else if (key === \"queries\" && Array.isArray(value)) {\n store[id].queries = [...(store[id].queries || []), ...value];\n } else {\n store[id][key] = value;\n }\n }\n\n store[id].updated_at = new Date().toISOString();\n await setStore(store);\n\n return json({\n updated: true,\n application_id: id,\n status: store[id].status,\n });\n }\n\n // ── List all applications ──\n if (path === \"/applications\" && method === \"GET\") {\n const store = await getStore();\n const list = Object.values(store).map((app) => ({\n application_id: app.application_id,\n entity_name: app.entity?.name,\n pan: app.pan,\n status: app.status,\n current_step: app.current_step,\n swimlane: app.swimlane,\n requested_amount: app.facility?.requested_amount ||\n app.facility?.total_requested,\n created_at: app.created_at,\n updated_at: app.updated_at,\n }));\n return json({\n applications: list.sort((a, b) =>\n new Date(b.created_at) - new Date(a.created_at)\n ),\n });\n }\n\n // ── Delete application ──\n if (path.startsWith(\"/application/\") && method === \"DELETE\") {\n const id = path.split(\"/application/\")[1];\n const store = await getStore();\n delete store[id];\n await setStore(store);\n return json({ deleted: true, application_id: id });\n }\n\n // ── Reset all data ──\n if (path === \"/reset\" && method === \"DELETE\") {\n await setStore({});\n return json({ reset: true, message: \"All applications cleared\" });\n }\n\n return json({ error: \"Not found\", path }, 404);\n } catch (err) {\n return json({ error: err.message }, 500);\n 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{ blob } from \"https://esm.town/v/std/blob\";\n\n// Normalize key to snake_case\nfunction normalizeKey(key: string): string {\n return String(key).toLowerCase().replace(/[\\s-]/g, \"_\");\n}\n\n// Format complex details as readable bullet points\nfunction formatDetails(details: any): string {\n if (typeof details !== \"object\" || details === null) {\n return String(details);\n }\n\n if (Array.isArray(details)) {\n return details.map((v) =>\n typeof v === \"object\" ? JSON.stringify(v) : String(v)\n ).join(\"\\n\");\n }\n\n const lines: string[] = [];\n for (const [key, value] of Object.entries(details)) {\n const label = key.replace(/_/g, \" \").replace(/-/g, \" \")\n .split(\" \").map((w) => w.charAt(0).toUpperCase() + w.slice(1)).join(\" \");\n\n let displayValue: string;\n if (typeof value === \"object\" && value !== null) {\n displayValue = JSON.stringify(value);\n } else if (Array.isArray(value)) {\n displayValue = value.join(\", \");\n } else {\n displayValue = String(value);\n }\n\n lines.push(`• ${label}: ${displayValue}`);\n }\n\n return lines.join(\"\\n\");\n}\n\n// Normalize the raw data_from_user into a clean structure\nfunction normalizeData(rawData: any): Record {\n const collected: Record = {};\n\n // Handle string input (JSON string)\n let parsed = rawData;\n if (typeof rawData === \"string\") {\n try {\n parsed = JSON.parse(rawData);\n } catch {\n // Not valid JSON - treat as plain text\n return { service_requirements: rawData };\n }\n }\n\n // Ensure array\n if (!Array.isArray(parsed)) {\n parsed = parsed ? [parsed] : [];\n }\n\n for (const item of parsed) {\n if (typeof item !== \"object\" || item === null) {\n // Non-object item\n if (!collected.other_data) collected.other_data = [];\n collected.other_data.push(String(item));\n continue;\n }\n\n // Check for categorized format: {\"category\": \"...\", \"details\": {...}}\n if (\"category\" in item && \"details\" in item) {\n const category = normalizeKey(item.category);\n const details = item.details;\n\n // Store formatted details\n if (typeof details === \"object\" && details !== null) {\n collected[category] = formatDetails(details);\n\n // Detect move/migrate actions\n const action = (details.action || \"\").toLowerCase();\n if ([\"migrate\", \"move\", \"relocate\", \"transfer\"].includes(action)) {\n collected.is_move_to_new_address = true;\n }\n } else {\n collected[category] = String(details);\n }\n } else {\n // Flat key-value format: {\"field\": \"value\", ...}\n for (const [key, value] of Object.entries(item)) {\n const normKey = normalizeKey(key);\n\n if (typeof value === \"object\" && value !== null) {\n collected[normKey] = formatDetails(value);\n } else if (Array.isArray(value)) {\n collected[normKey] = value.join(\", \");\n } else if (typeof value === \"boolean\") {\n collected[normKey] = value;\n } else {\n // Append if exists, otherwise set\n if (normKey in collected && typeof collected[normKey] === \"string\") {\n collected[normKey] += \"\\n\" + String(value);\n } else {\n collected[normKey] = String(value);\n }\n }\n }\n }\n }\n\n // Clean up other_data\n if (collected.other_data && Array.isArray(collected.other_data)) {\n collected.other_data = collected.other_data.join(\"\\n\");\n }\n\n return collected;\n}\n\nexport default async function (req: Request): Promise {\n const headers = {\n \"Access-Control-Allow-Origin\": \"*\",\n \"Access-Control-Allow-Methods\": \"GET, POST, DELETE, OPTIONS\",\n \"Access-Control-Allow-Headers\": \"Content-Type\",\n \"Content-Type\": \"application/json\",\n };\n\n if (req.method === \"OPTIONS\") {\n return new Response(null, { headers });\n }\n\n let allData = await blob.getJSON(\"ai_collected_data\") || {};\n\n // POST - Store and normalize data\n if (req.method === \"POST\") {\n try {\n const body = await req.json();\n const requestId = body.request_id;\n\n if (!requestId) {\n return Response.json({ error: \"Missing request_id\", success: false }, {\n status: 400,\n headers,\n });\n }\n\n // Normalize the raw data\n const rawData = body.data_from_user || body.collected_data ||\n body.ai_response || {};\n const normalized = normalizeData(rawData);\n\n // Merge with existing data\n const existing = allData[requestId] || {};\n const existingCollected = existing.collected_data || {};\n const mergedCollected = { ...existingCollected, ...normalized };\n\n // Store\n allData[requestId] = {\n collected_data: mergedCollected,\n collected_at: new Date().toISOString(),\n source: \"ai_agent\",\n fields_collected: Object.keys(mergedCollected),\n update_count: (existing.update_count || 0) + 1,\n };\n\n await blob.setJSON(\"ai_collected_data\", allData);\n\n return Response.json({\n success: true,\n request_id: requestId,\n fields_collected: Object.keys(mergedCollected),\n }, { headers });\n } catch (e) {\n return Response.json({ error: String(e), success: false }, {\n status: 500,\n headers,\n });\n }\n }\n\n // DELETE\n if (req.method === \"DELETE\") {\n const url = new URL(req.url);\n const requestId = url.searchParams.get(\"request_id\");\n\n if (requestId && allData[requestId]) {\n delete allData[requestId];\n await blob.setJSON(\"ai_collected_data\", allData);\n return Response.json({ success: true, deleted: requestId }, { headers });\n }\n\n if (url.searchParams.get(\"all\") === \"true\") {\n await blob.setJSON(\"ai_collected_data\", {});\n return Response.json({ success: true, deleted: \"all\" }, { headers });\n }\n\n return Response.json({ success: false, error: \"Not found\" }, {\n status: 404,\n headers,\n });\n }\n\n // GET\n const url = new URL(req.url);\n const requestId = url.searchParams.get(\"request_id\");\n\n if (requestId) {\n return Response.json(allData[requestId] || null, { headers });\n }\n\n return Response.json(allData, { headers });\n}","label",[133],"e3b96f6a-0531-11f1-a979-42dde27851f2","credflow.ts","bd815076-0273-11f1-a046-42dde27851f2",29,["D",1770584725716],10,"// @valtown/http\nimport { blob } from \"https://esm.town/v/std/blob\";\n\nconst KEY = \"credit_call_data\";\n\n// Define your data type\ntype CallData = {\n application_id: string | null;\n call_objective: string | null;\n call_questions: string[];\n documents_to_request: string[];\n missing_or_unverified_items: any[];\n created_at: string;\n};\n\nexport default async function handler(req: Request) {\n if (req.method === \"POST\") {\n try {\n const data = await req.json();\n const payload: CallData = {\n application_id: data.application_id ?? null,\n call_objective: data.call_objective ?? null,\n call_questions: data.call_questions ?? [],\n documents_to_request: data.documents_to_request ?? [],\n missing_or_unverified_items: data.missing_or_unverified_items ?? [],\n created_at: new Date().toISOString(),\n };\n\n const rawData = await blob.getJSON(KEY);\n let existing: CallData[] = Array.isArray(rawData) ? rawData : [];\n\n existing.push(payload);\n\n await blob.setJSON(KEY, existing);\n\n return new Response(\n JSON.stringify({ status: \"ok\", count: existing.length }),\n { status: 200, headers: { \"Content-Type\": \"application/json\" } },\n );\n } catch (err: any) {\n console.error(\"POST error:\", err);\n return new Response(\n JSON.stringify({ error: err.message || \"Invalid JSON\" }),\n { status: 400, headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n }\n\n if (req.method === \"GET\") {\n const rawData = await blob.getJSON(KEY);\n const data: CallData[] = Array.isArray(rawData) ? rawData : [];\n return new Response(\n JSON.stringify(data),\n { status: 200, headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n\n // 🔥 CLEAR ALL RECORDS\n if (req.method === \"DELETE\") {\n await blob.setJSON(KEY, []);\n return new Response(\n JSON.stringify({ status: \"cleared\" }),\n { status: 200, headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n\n return new Response(\"Method Not Allowed\", { status: 405 });\n}",[144],"93a52604-0509-11f1-b7f9-42dde27851f2","appStatus.ts","fc3c6c86-04f0-11f1-977f-42dde27851f2",28,["D",1770567411504],11,"// @valtown/http\nimport { blob } from \"https://esm.town/v/std/blob\";\n\nconst BLOB_KEY = \"app-status.json\";\n\ntype Item = {\n application_id: string;\n stage: string;\n updated_at: number;\n};\n\nasync function readStore(): Promise {\n try {\n const data = await blob.get(BLOB_KEY);\n if (!data) return [];\n\n const text = await data.text();\n return JSON.parse(text);\n } catch {\n return [];\n }\n}\n\nasync function writeStore(items: Item[]) {\n await blob.set(\n BLOB_KEY,\n new TextEncoder().encode(JSON.stringify(items)),\n );\n}\n\nexport default async function handler(req: Request): Promise {\n // POST — upsert by application_id\n if (req.method === \"POST\") {\n let body;\n try {\n body = await req.json();\n } catch {\n return new Response(\"Invalid JSON\", { status: 400 });\n }\n\n const { application_id, stage } = body ?? {};\n\n if (\n typeof application_id !== \"string\" ||\n typeof stage !== \"string\"\n ) {\n return new Response(\n \"application_id and stage must be strings\",\n { status: 400 },\n );\n }\n\n const items = await readStore();\n\n const updated = items.filter(\n (i) => i.application_id !== application_id,\n );\n\n updated.push({\n application_id,\n stage,\n updated_at: Date.now(),\n });\n\n await writeStore(updated);\n\n return new Response(\n JSON.stringify({ ok: true }),\n { headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n\n // GET — list all items\n if (req.method === \"GET\") {\n const items = await readStore();\n return new Response(\n JSON.stringify(items, null, 2),\n { headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n\n // DELETE — clear all\n if (req.method === \"DELETE\") {\n await writeStore([]);\n return new Response(\n JSON.stringify({ ok: true, cleared: true }),\n { headers: { \"Content-Type\": \"application/json\" } },\n );\n }\n\n return new Response(\"Method Not Allowed\", { status: 405 });\n}",[152],"d807a870-2468-11f1-8f14-42dde27851f2",["D",1774016814459],[28],"eb3c776e-17ab-11f1-8331-42dde27851f2","B2C-rooftop-pv.ts","af749256-122f-11f1-8947-42dde27851f2",48,["D",1772616257849],9,"// @valtown/http\n// SIPS Mock Database — DSO B2CFlow Demo\n// Handles: CUPS lookup, Holder ID match, Connection Point status\n\nimport { blob } from \"https://esm.town/v/std/blob\";\n\nconst KEY = \"sips_records\";\n\n// ─────────────────────────────────────────\n// MOCK SIPS RECORDS\n// One wrong CUPS (what the consumer submitted) → INEXISTENT\n// One correct CUPS (what the consumer should have submitted) → EXISTS\n// ─────────────────────────────────────────\nconst SEED_RECORDS: SIPSRecord[] = [\n {\n cups: \"ES0031605077564984WF\", // correct CUPS (from CIE cert)\n holder_id: \"B12345678\",\n holder_name: \"María Elena Rodríguez Fernández\",\n connection_point_status: \"active\",\n pv_rooftop_attributes_allowed: true,\n contracted_capacity_kw: 5.75,\n supply_voltage: \"230 V AC, Single Phase\",\n supply_frequency: \"50 Hz\",\n tariff: \"2.0TD\",\n municipality: \"Madrid\",\n address: \"Calle Mayor, 47, 3rd Floor B\",\n postcode: \"28013\",\n meter_type: \"bidirectional_smart\",\n meter_remote_configurable: true,\n existing_pv_rooftop: false,\n retailer_id: \"RET-00291\",\n retailer_name: \"Endesa Energía S.A.\",\n retailer_email: \"activaciones@endesa.es\",\n },\n // NOTE: ES0039401234568790AB (submitted by consumer) is intentionally\n // NOT in this list → will return INEXISTENT\n];\n\ntype SIPSRecord = {\n cups: string;\n holder_id: string;\n holder_name: string;\n connection_point_status: string;\n pv_rooftop_attributes_allowed: boolean;\n contracted_capacity_kw: number;\n supply_voltage: string;\n supply_frequency: string;\n tariff: string;\n municipality: string;\n address: string;\n postcode: string;\n meter_type: string;\n meter_remote_configurable: boolean;\n existing_pv_rooftop: boolean;\n retailer_id: string;\n retailer_name: string;\n retailer_email: string;\n};\n\n// Seed blob if empty\nasync function getSIPSRecords(): Promise {\n const raw = await blob.getJSON(KEY);\n if (!Array.isArray(raw) || raw.length === 0) {\n await blob.setJSON(KEY, SEED_RECORDS);\n return SEED_RECORDS;\n }\n return raw as SIPSRecord[];\n}\n\nexport default async function handler(req: Request) {\n const url = new URL(req.url);\n const path = url.pathname;\n\n // ─────────────────────────────────────────\n // GET /sips/lookup?cups=ES...\n // Returns full record if found, or INEXISTENT\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && path.endsWith(\"/sips/lookup\")) {\n const cups = url.searchParams.get(\"cups\");\n\n if (!cups) {\n return json({ error: \"Missing required parameter: cups\" }, 400);\n }\n\n const records = await getSIPSRecords();\n const record = records.find((r) => r.cups === cups);\n\n if (!record) {\n return json({\n status: \"INEXISTENT\",\n cups,\n message: \"CUPS not found in SIPS database\",\n }, 200);\n }\n\n return json({\n status: \"EXISTS\",\n cups,\n record,\n }, 200);\n }\n\n // ─────────────────────────────────────────\n // GET /sips/match?cups=ES...&holder_id=B...\n // Checks if CUPS and Holder ID are registered together\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && path.endsWith(\"/sips/match\")) {\n const cups = url.searchParams.get(\"cups\");\n const holder_id = url.searchParams.get(\"holder_id\");\n\n if (!cups || !holder_id) {\n return json(\n { error: \"Missing required parameters: cups, holder_id\" },\n 400,\n );\n }\n\n const records = await getSIPSRecords();\n const record = records.find((r) => r.cups === cups);\n\n if (!record) {\n return json({\n status: \"INEXISTENT\",\n cups,\n message: \"CUPS not found in SIPS database\",\n }, 200);\n }\n\n const match = record.holder_id === holder_id;\n\n return json({\n status: match ? \"MATCH\" : \"MISMATCH\",\n cups,\n holder_id_submitted: holder_id,\n holder_id_registered: record.holder_id,\n message: match\n ? \"CUPS and Holder ID match in SIPS\"\n : `Holder ID mismatch: submitted ${holder_id}, registered ${record.holder_id}`,\n }, 200);\n }\n\n // ─────────────────────────────────────────\n // GET /sips/status?cups=ES...\n // Returns connection point status and whether PV attributes can be added\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && path.endsWith(\"/sips/status\")) {\n const cups = url.searchParams.get(\"cups\");\n\n if (!cups) {\n return json({ error: \"Missing required parameter: cups\" }, 400);\n }\n\n const records = await getSIPSRecords();\n const record = records.find((r) => r.cups === cups);\n\n if (!record) {\n return json({\n status: \"INEXISTENT\",\n cups,\n message: \"CUPS not found in SIPS database\",\n }, 200);\n }\n\n return json({\n status: \"EXISTS\",\n cups,\n connection_point_status: record.connection_point_status,\n pv_rooftop_attributes_allowed: record.pv_rooftop_attributes_allowed,\n existing_pv_rooftop: record.existing_pv_rooftop,\n meter_type: record.meter_type,\n contracted_capacity_kw: record.contracted_capacity_kw,\n meter_remote_configurable: record.meter_remote_configurable,\n message: record.pv_rooftop_attributes_allowed\n ? \"Connection point is active and allows PV rooftop attributes\"\n : \"Connection point does not allow PV rooftop attributes to be added\",\n }, 200);\n }\n\n // ─────────────────────────────────────────\n // POST /sips/update — write activation data back to SIPS\n // Called at Stage 7 after analyst approval\n // ─────────────────────────────────────────\n if (req.method === \"POST\" && path.endsWith(\"/sips/update\")) {\n try {\n const body = await req.json();\n const { cups, ...updates } = body;\n\n if (!cups) {\n return json({ error: \"Missing required field: cups\" }, 400);\n }\n\n const records = await getSIPSRecords();\n const index = records.findIndex((r) => r.cups === cups);\n\n if (index === -1) {\n return json({\n status: \"INEXISTENT\",\n cups,\n message: \"CUPS not found — cannot update\",\n }, 404);\n }\n\n records[index] = { ...records[index], ...updates };\n await blob.setJSON(KEY, records);\n\n return json({\n status: \"UPDATED\",\n cups,\n updatedFields: Object.keys(updates),\n record: records[index],\n }, 200);\n } catch (err: any) {\n return json({ error: err.message || \"Invalid JSON\" }, 400);\n }\n }\n\n // ─────────────────────────────────────────\n // GET /sips/all — return all records (debug/admin)\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && path.endsWith(\"/sips/all\")) {\n const records = await getSIPSRecords();\n return json({ count: records.length, records }, 200);\n }\n\n // ─────────────────────────────────────────\n // GET / — return all records (base domain)\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && (path === \"/\" || path === \"\")) {\n const records = await getSIPSRecords();\n return json({ count: records.length, records }, 200);\n }\n\n // ─────────────────────────────────────────\n // DELETE /sips/reset — reset to seed data\n // ─────────────────────────────────────────\n if (req.method === \"DELETE\" && path.endsWith(\"/sips/reset\")) {\n await blob.setJSON(KEY, SEED_RECORDS);\n return json({ status: \"reset\", count: SEED_RECORDS.length }, 200);\n }\n\n return new Response(\"Not Found\", { status: 404 });\n}\n\n// ─────────────────────────────────────────\n// Helper\n// ─────────────────────────────────────────\nfunction json(data: unknown, status = 200): Response {\n return new Response(JSON.stringify(data), {\n status,\n headers: { \"Content-Type\": \"application/json\" },\n });\n}",[163],"c1d584a0-17bb-11f1-a376-42dde27851f2","B2C-app-status.ts","75604baa-13e7-11f1-9fa7-42dde27851f2",50,["D",1772623060335],7,"// @valtown/http\n// B2CFlow Application State Store\n// Tracks application lifecycle stage by stage for real-time UI polling\n\nimport { blob } from \"https://esm.town/v/std/blob\";\n\nconst KEY = \"b2cflow_applications\";\n\ntype Stage = {\n stage_number: number;\n stage_name?: string;\n status: \"pending\" | \"in_progress\" | \"completed\" | \"failed\";\n started_at?: string;\n completed_at?: string;\n data: Record | String;\n};\n\ntype Application = {\n application_id: string;\n current_stage: number;\n overall_status:\n | \"submitted\"\n | \"validating\"\n | \"awaiting_info\"\n | \"awaiting_decision\"\n | \"accepted\"\n | \"rejected\"\n | \"activating\"\n | \"activated\"\n | \"closed\";\n created_at: string;\n updated_at: string;\n stages: Stage[];\n};\n\nasync function getApplications(): Promise {\n const raw = await blob.getJSON(KEY);\n return Array.isArray(raw) ? raw : [];\n}\n\nasync function saveApplications(apps: Application[]): Promise {\n await blob.setJSON(KEY, apps);\n}\n\nexport default async function handler(req: Request) {\n const url = new URL(req.url);\n const path = url.pathname;\n\n // ─────────────────────────────────────────\n // GET / — list all applications\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && (path === \"/\" || path === \"\")) {\n const apps = await getApplications();\n return json({ count: apps.length, applications: apps });\n }\n\n // ─────────────────────────────────────────\n // GET /:application_id — get single application\n // ─────────────────────────────────────────\n if (req.method === \"GET\" && path.split(\"/\").length === 2) {\n const application_id = path.split(\"/\")[1];\n const apps = await getApplications();\n const app = apps.find((a) => a.application_id === application_id);\n\n if (!app) {\n return json({ error: \"Application not found\", application_id }, 404);\n }\n\n return json(app);\n }\n\n // ─────────────────────────────────────────\n // POST / — create new application\n // Body: { application_id, ...any initial fields }\n // ─────────────────────────────────────────\n if (req.method === \"POST\" && (path === \"/\" || path === \"\")) {\n try {\n const body = await req.json();\n\n if (!body.application_id) {\n return json({ error: \"Missing required field: application_id\" }, 400);\n }\n\n const apps = await getApplications();\n const exists = apps.find((a) => a.application_id === body.application_id);\n\n if (exists) {\n return json({\n error: \"Application already exists\",\n application_id: body.application_id,\n }, 409);\n }\n\n const newApp: Application = {\n application_id: body.application_id,\n current_stage: 1,\n overall_status: \"submitted\",\n created_at: new Date().toISOString(),\n updated_at: new Date().toISOString(),\n stages: [\n {\n stage_number: 1,\n stage_name: \"Form Submission\",\n status: \"completed\",\n started_at: new Date().toISOString(),\n completed_at: new Date().toISOString(),\n data: body,\n },\n ],\n };\n\n apps.push(newApp);\n await saveApplications(apps);\n\n return json({ status: \"created\", application: newApp }, 201);\n } catch (err: any) {\n return json({ error: err.message || \"Invalid JSON\" }, 400);\n }\n }\n\n // ─────────────────────────────────────────\n // PATCH /:application_id/stage — add or update a stage\n // Body: { stage_number, stage_name?, status, data }\n // ─────────────────────────────────────────\n if (req.method === \"PATCH\" && path.endsWith(\"/stage\")) {\n try {\n const application_id = path.split(\"/\")[1];\n const body = await req.json();\n\n if (!body.stage_number || !body.status || !body.data) {\n return json({\n error: \"Missing required fields: stage_number, status, data\",\n }, 400);\n }\n\n const apps = await getApplications();\n const index = apps.findIndex((a) => a.application_id === application_id);\n\n if (index === -1) {\n return json({ error: \"Application not found\", application_id }, 404);\n }\n\n const app = apps[index];\n const stageIndex = app.stages.findIndex((s) =>\n s.stage_number === body.stage_number\n );\n\n const updatedStage: Stage = {\n stage_number: body.stage_number,\n stage_name: body.stage_name,\n status: body.status,\n started_at: body.status === \"in_progress\"\n ? new Date().toISOString()\n : app.stages[stageIndex]?.started_at,\n completed_at: body.status === \"completed\" || body.status === \"failed\"\n ? new Date().toISOString()\n : undefined,\n data: body.data,\n };\n\n if (stageIndex === -1) {\n // New stage — push\n app.stages.push(updatedStage);\n } else {\n // Existing stage — merge data, update status\n app.stages[stageIndex] = {\n ...app.stages[stageIndex],\n ...updatedStage,\n data: {\n ...app.stages[stageIndex].data,\n ...body.data,\n },\n };\n }\n\n // Update top-level current_stage and overall_status\n app.current_stage = body.stage_number;\n if (body.overall_status) {\n app.overall_status = body.overall_status;\n }\n app.updated_at = new Date().toISOString();\n\n apps[index] = app;\n await saveApplications(apps);\n\n return json({ status: \"updated\", application: app });\n } catch (err: any) {\n return json({ error: err.message || \"Invalid JSON\" }, 400);\n }\n }\n\n // ─────────────────────────────────────────\n // PATCH /:application_id — update top-level fields only\n // Body: { overall_status?, current_stage?, ...any top level fields }\n // ─────────────────────────────────────────\n if (req.method === \"PATCH\" && path.split(\"/\").length === 2) {\n try {\n const application_id = path.split(\"/\")[1];\n const body = await req.json();\n\n const apps = await getApplications();\n const index = apps.findIndex((a) => a.application_id === application_id);\n\n if (index === -1) {\n return json({ error: \"Application not found\", application_id }, 404);\n }\n\n apps[index] = {\n ...apps[index],\n ...body,\n application_id: apps[index].application_id, // prevent overwrite\n stages: apps[index].stages, // prevent overwrite\n created_at: apps[index].created_at, // prevent overwrite\n updated_at: new Date().toISOString(),\n };\n\n await saveApplications(apps);\n\n return json({ status: \"updated\", application: apps[index] });\n } catch (err: any) {\n return json({ error: err.message || \"Invalid JSON\" }, 400);\n }\n }\n\n // ─────────────────────────────────────────\n // DELETE / — clear all applications\n // ─────────────────────────────────────────\n if (req.method === \"DELETE\" && (path === \"/\" || path === \"\")) {\n await saveApplications([]);\n return json({ status: \"cleared\" });\n }\n\n // ─────────────────────────────────────────\n // DELETE /:application_id — delete single application\n // ─────────────────────────────────────────\n if (req.method === \"DELETE\" && path.split(\"/\").length === 2) {\n const application_id = path.split(\"/\")[1];\n const apps = await getApplications();\n const filtered = apps.filter((a) => a.application_id !== application_id);\n\n if (filtered.length === apps.length) {\n return json({ error: \"Application not found\", application_id }, 404);\n }\n\n await saveApplications(filtered);\n return json({ status: \"deleted\", application_id });\n }\n\n return new Response(\"Not Found\", { status: 404 });\n}\n\nfunction json(data: unknown, status = 200): Response {\n return new Response(JSON.stringify(data, null, 2), {\n status,\n headers: { \"Content-Type\": \"application/json\" },\n 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Diff · v56