- Ya
- 28 Mei 2026, 23:53 UTC
- Mwandishi
- Kamo
- Ahadi ya
- 87da074
T1.1 Stripe disbursement strategy: TREASURY (stub — requires SDK upgrade or raw HTTP) / CONNECTED_ACCOUNT (Transfer.create — works in SDK 28.2.0) / MANUAL. Default CONNECTED_ACCOUNT via **************** **************** updated to new DisbursementRequest API. The previous Payout.create call was incorrect — Payouts go to the connected account's OWN bank, not a third party's. CONNECTED_ACCOUNT uses Transfer.create + relies on the borrower owning a connected Express account (lighter than Treasury onboarding). T1.2 Collision-resistant loan number generation: 6-char Crockford base32 suffix derived from nanoTime ⊕ ThreadLocalRandom, backed by the (org_id, loan_number) unique constraint with 5-attempt retry. Replaces **************** 1000000) which collided ~0.01% at 100k loans/year. T1.3 Paged cron queries — no more findAll().stream().filter(): - **************** paged 500/batch via **************** and findByStatusAndKind - **************** paged 500/batch - ReconciliationJob: paged by status, per-batch @Transactional - **************** paged via **************** - InterestAccrualJob: paged by status, per-batch @Transactional - YearEndTaxJob: paged via **************** T1.4 LoanMetrics gauge uses loanRepository.countByStatus(s) instead of findByStatus(s).size() — O(1) COUNT(*) instead of full-table materialization on every Prometheus scrape. T1.5 **************** no longer accepts null email/name. Fetches Member via memberRepository + extracts getNameFirst/getNameLast + reflectively reads the email list (defensive against EmbEmail shape across shared-lib versions). Customers now created with real contact details. T1.6 markDisbursementSucceeded handles LOC. For REVOLVING_LOC the line opens with currentBalance = 0 + principalBalance = 0; balance only grows via LoanDraw. INSTALLMENT path unchanged. lastAccrualDate set to today for both kinds. T1.7 **************** now sums every scheduled payment from **************** per Reg Z Appendix J. financeCharge correctly subtracts the amount-financed (principal − origination fee) per §1026.18(b). Replaces the 1.10× placeholder that produced incorrect federal disclosures. T1.8 lastAccrualDate threaded through accrual + payoff quote: InterestAccrualJob.accrueBatch reads Loan.lastAccrualDate, computes days-since (capped at 30 for sanity), accrues N days, then updates lastAccrualDate to today. **************** does the same for payoff-quote precision. T1.9 HMAC-sign proxy headers: new ProxyHmacFilter validates **************** LOS_PROXY_HMAC_SECRET) with ±60s timestamp skew. Webhooks + actuator bypass. Disabled by default for local dev; production sets los.proxy-hmac.enabled=true + a strong shared secret (also referenced as env var in configmap). SecurityConfig wires the filter before **************** and adds HSTS + frameOptions(DENY) + contentTypeOptions security headers. T1.10 ReconciliationJob drift guard: if |cached − ledger| > $1000, logs + emits STATE_RULE_VIOLATION_DETECTED audit and DOES NOT correct (manual intervention required). Below threshold, silently corrects. Prevents reconciliation from "fixing" to a corrupt ledger. All 30 unit tests pass.