- Ya
- 28 Mei 2026, 21:37 UTC
- Mwandishi
- Kamo
- Ahadi ya
- a8c11bd
Observability: - micrometer-registry-prometheus on the classpath - /actuator/prometheus exposed via management config (both local + k8s configmap) - LoanMetrics service: **************** **************** los_charge_off_total, los_disbursement_total, los_loan_status_count{status} gauge, **************** histogram - Counters wired into LoanPaymentPostingService + LoanChargeOffService Math + tests: - 21 unit tests covering AmortizationEngine (level payment, APR Newton- Raphson, monthly due-date progression, principal+interest invariant, bad-input guards), InterestAccrualEngine (ACT_365 / ACT_360 DPR, one-day / thirty-day accrual, LOC ADB), PaymentAllocator (fees→interest →principal order, partials, overpayment, nulls) - **Fixes 100x interest-rate bug** in **************** — divisor was 36500/36000 instead of 3,650,000/3,600,000 (annualRate fraction needs both /10000 bps→fraction AND /365 days), so accrued interest was 100× too high. Test added that would have caught it. Real Stripe identifiers (no more placeholders): - StripeConnectController.onboard now persists LoanOrgStripeConnect on successful Stripe Account creation; .status returns onboarding state - New StripeIdResolver: connectedAccountIdForOrg() + lazy getOrCreateBorrowerCustomerId() (idempotency-keyed Customer.create under the connected account, persists to Loan.stripeCustomerId) - AutoDebitRunJob.fireAchDebit + .fireDisbursement now resolve real IDs through StripeIdResolver instead of "acct_placeholder_*" Reminder cadence: - ReminderSchedulingJob: nightly sweep emits PAYMENT_DUE_3_DAYS, PAYMENT_DUE_TODAY, PAYMENT_LATE_DAY_1/5/15, OFFER_EXPIRING (24h before expiresAt), STATEMENT_AVAILABLE (on generation). Dedup-keyed via **************** so reruns are idempotent. Year-end tax: - YearEndTaxJob (cron 06:00 Jan 5): produces 1099-C for charge-offs ≥$600 + 1099-INT for borrower-credit interest > $10. PDFBox-rendered form, stored to MediaService, recorded as LoanDisclosure with form/year metadata so reruns are idempotent. - Loan.tax1099CEligible auto-set on charge-off confirm when amount ≥ $600