From fb6af7264fa97a147013c66151068e4a6248804e Mon Sep 17 00:00:00 2001
From: TaprootFreak <142087526+TaprootFreak@users.noreply.github.com>
Date: Fri, 23 Jan 2026 00:32:46 +0100
Subject: [PATCH] fix: Allow EUR invoice generation without KYC Level 50
 (#3041)

Add forInvoice parameter to getBankInfo() to bypass vIBAN requirement
for invoice generation. This allows users without KYC Level 50 to
generate invoice PDFs for EUR transactions.

- buy.service.ts: Add optional forInvoice parameter to getBankInfo()
- buy.controller.ts: Pass forInvoice=true for invoice endpoint
- transaction.controller.ts: Pass forInvoice=true for invoice endpoint
- transaction-helper.ts: Pass forInvoice=true for statement generation
---
 src/subdomains/core/buy-crypto/routes/buy/buy.controller.ts  | 1 +
 src/subdomains/core/buy-crypto/routes/buy/buy.service.ts     | 5 +++--
 .../core/history/controllers/transaction.controller.ts       | 1 +
 .../supporting/payment/services/transaction-helper.ts        | 2 ++
 4 files changed, 7 insertions(+), 2 deletions(-)

diff --git a/src/subdomains/core/buy-crypto/routes/buy/buy.controller.ts b/src/subdomains/core/buy-crypto/routes/buy/buy.controller.ts
index f48058be40..599d1e8afa 100644
--- a/src/subdomains/core/buy-crypto/routes/buy/buy.controller.ts
+++ b/src/subdomains/core/buy-crypto/routes/buy/buy.controller.ts
@@ -178,6 +178,7 @@ export class BuyController {
       buy,
       buy.asset,
       user.wallet,
+      true,
     );
 
     if (!Config.invoice.currencies.includes(currency.name)) {
diff --git a/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts b/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
index ead87290f8..ac3cd4d617 100644
--- a/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
+++ b/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
@@ -355,6 +355,7 @@ export class BuyService {
     buy?: Buy,
     asset?: Asset,
     wallet?: Wallet,
+    forInvoice?: boolean,
   ): Promise<BankInfoDto & { isPersonalIban: boolean; reference?: string }> {
     // asset-specific personal IBAN
     if (
@@ -390,8 +391,8 @@ export class BuyService {
       return this.buildVirtualIbanResponse(virtualIban, selector.userData, buy?.bankUsage);
     }
 
-    // EUR: vIBAN is mandatory
-    if (selector.currency === 'EUR') {
+    // EUR: vIBAN is mandatory (except for invoice generation)
+    if (selector.currency === 'EUR' && !forInvoice) {
       throw new BadRequestException('KycRequired');
     }
 
diff --git a/src/subdomains/core/history/controllers/transaction.controller.ts b/src/subdomains/core/history/controllers/transaction.controller.ts
index 5e0eecb5f8..1c677ad7ad 100644
--- a/src/subdomains/core/history/controllers/transaction.controller.ts
+++ b/src/subdomains/core/history/controllers/transaction.controller.ts
@@ -467,6 +467,7 @@ export class TransactionController {
           buy,
           buy?.asset,
           buy?.user?.wallet,
+          true,
         );
 
         return {
diff --git a/src/subdomains/supporting/payment/services/transaction-helper.ts b/src/subdomains/supporting/payment/services/transaction-helper.ts
index eb2de7212e..04273b6d90 100644
--- a/src/subdomains/supporting/payment/services/transaction-helper.ts
+++ b/src/subdomains/supporting/payment/services/transaction-helper.ts
@@ -540,6 +540,7 @@ export class TransactionHelper implements OnModuleInit {
           buy,
           buy?.asset,
           buy?.user?.wallet,
+          true,
         ));
 
       return {
@@ -601,6 +602,7 @@ export class TransactionHelper implements OnModuleInit {
       buy,
       buy?.asset,
       buy?.user?.wallet,
+      true,
     );
 
     return {