Fintech & Payments

{
  "title": "KYC Attestation",
  "description": "Identity verification attestation — no raw PII included",
  "properties": {
    "kycLevel": {
      "type": "string",
      "enum": ["basic", "enhanced", "institutional"],
      "description": "Level of KYC verification completed"
    },
    "kycProvider": {
      "type": "string",
      "description": "Name of the KYC provider (e.g. 'Jumio', 'Onfido')"
    },
    "verifiedAt": {
      "type": "string",
      "format": "date-time"
    },
    "countryCode": {
      "type": "string",
      "description": "ISO 3166-1 alpha-2 country code"
    },
    "isOver18": {
      "type": "boolean"
    },
    "isOver21": {
      "type": "boolean"
    }
  },
  "required": ["kycLevel", "kycProvider", "verifiedAt", "isOver18"]
}

// kyc-webhook.js  — called when your KYC provider sends a completion event
const { getPartnerJwt } = require('./lib/jwt');
// issuer-controlled helpers backed by your signing keys
const { buildVc, signVc, encryptToHolder } = require('./lib/credential');

const AIR_API_ORIGIN = 'https://air.api.sandbox.air3.com';
const BASE_URL = 'https://api.sandbox.mocachain.org/v1';

async function issueKycCredential({ userEmail, kycResult }) {
  if (kycResult.status !== 'APPROVED') return; // only issue on success

  const token = await getPartnerJwt();

  // Resolve the user's AIR Account
  const init = await fetch(`${AIR_API_ORIGIN}/v2/auth/initialize-user`, {
    method: 'POST',
    headers: { 'Content-Type': 'application/json', 'x-partner-id': process.env.PARTNER_ID },
    body: JSON.stringify({ partnerJwt: await getPartnerJwt({ email: userEmail }) }),
  }).then((r) => r.json());

  // Build, sign (SD-JWT VC), and encrypt the credential to the holder
  const schemaId = process.env.KYC_CREDENTIAL_ID;
  const vc = buildVc({
    holderDid: init.did,
    cnf: init.signingKey, // binds the credential to the holder's signing key
    schemaId,
    credentialSubject: {
      kycLevel: kycResult.level,             // "basic" | "enhanced" | "institutional"
      kycProvider: 'YourKYCProvider',
      verifiedAt: new Date().toISOString(),
      countryCode: kycResult.countryCode,    // e.g. "US", "GB"
      isOver18: kycResult.age >= 18,
      isOver21: kycResult.age >= 21,
    },
  });
  const encrypted = encryptToHolder(signVc(vc), init.publicKey);

  // Store the encrypted envelope in DStorage
  const res = await fetch(`${BASE_URL}/dstorage/vcs`, {
    method: 'POST',
    headers: { 'Content-Type': 'application/json', 'x-partner-auth': token },
    body: JSON.stringify({
      holderDid: init.did,
      proofType: 'SD_JWT_VC',
      schemaId,
      expiresAt: vc.expirationDate,
      data: encrypted.encryptedData,
      iv: encrypted.iv,
      authTag: encrypted.authTag,
      encryptedKey: encrypted.dataEncPublicKey,
      externalId: vc.id,
    }),
  });
  if (!res.ok) throw new Error(`KYC credential issuance failed: ${res.status}`);
  return res.json(); // { storagePath }
}

// Express webhook endpoint
app.post('/webhooks/kyc', async (req, res) => {
  const { userEmail, kycResult } = req.body;
  await issueKycCredential({ userEmail, kycResult });
  res.json({ ok: true });
});

// fintech-gate.js  (frontend)
import { AirService } from '@mocanetwork/airkit';

import { AirService, BUILD_ENV } from "@mocanetwork/airkit";

const airService = new AirService({ partnerId: process.env.PARTNER_ID });
await airService.init({ buildEnv: BUILD_ENV.SANDBOX });

async function requireKyc() {
  const result = await airService.verifyCredential({
    programId: process.env.KYC_VERIFY_PROGRAM_ID,
    // Verifier program rule: kycLevel is "enhanced" or "institutional"
  });

  if (result.status !== 'COMPLIANT') {
    throw new Error('KYC_REQUIRED');
  }
  return result;
}

// Gate a high-value transaction
try {
  await requireKyc();
  proceedWithTransaction();
} catch (err) {
  if (err.message === 'KYC_REQUIRED') showKycOnboarding();
}

// age-gate.js  (frontend)
async function requireAgeVerification() {
  const result = await airService.verifyCredential({
    programId: process.env.AGE_18_VERIFY_PROGRAM_ID,
    // Program checks: isOver18 === true  — verifier never sees the actual age/DOB
  });
  return result.status === 'COMPLIANT';
}