Congratulations! Your loan application {{loanId}} has been approved for {{amount}} {{currency}}.
Funds will be disbursed shortly.
', + '["borrowerName", "loanId", "amount", "currency"]'), + + ('loan_approved_sms', 'loan_status_update', 'sms', null, + '๐ Congratulations {{borrowerName}}! Your loan {{loanId}} has been approved for {{amount}} {{currency}}.', + '["borrowerName", "loanId", "amount", "currency"]'), + + ('payment_reminder_email', 'payment_reminder', 'email', '๐ Payment Reminder Due Soon', + 'This is a reminder that your payment of {{amount}} {{currency}} for loan {{loanId}} is due on {{dueDate}}.
', + '["borrowerName", "amount", "currency", "loanId", "dueDate"]'), + + ('payment_reminder_sms', 'payment_reminder', 'sms', null, + '๐ Hi {{borrowerName}}, reminder: payment of {{amount}} {{currency}} for loan {{loanId}} is due on {{dueDate}}.', + '["borrowerName", "amount", "currency", "loanId", "dueDate"]'), + + ('payment_overdue_email', 'payment_overdue', 'email', 'โ ๏ธ Payment Overdue - {{daysOverdue}} days', + 'Your payment of {{amount}} {{currency}} for loan {{loanId}} is {{daysOverdue}} days overdue. Please pay immediately.
', + '["borrowerName", "amount", "currency", "loanId", "daysOverdue"]'), + + ('payment_overdue_sms', 'payment_overdue', 'sms', null, + 'โ ๏ธ {{borrowerName}}, your payment of {{amount}} {{currency}} for loan {{loanId}} is {{daysOverdue}} days overdue. Please pay immediately.', + '["borrowerName", "amount", "currency", "loanId", "daysOverdue"]') + `); + + // Create function to update updated_at timestamp + pgm.createTrigger( + "notification_preferences", + "update_notification_preferences_updated_at", + { + when: "BEFORE", + operation: "UPDATE", + function: { name: "update_updated_at_column" }, + }, + ); + + pgm.createTrigger( + "notification_templates", + "update_notification_templates_updated_at", + { + when: "BEFORE", + operation: "UPDATE", + function: { name: "update_updated_at_column" }, + }, + ); +}; + +/** + * @param {import('node-pg-migrate').MigrationBuilder} pgm + */ +exports.down = (pgm) => { + // Drop triggers + pgm.dropTrigger( + "notification_preferences", + "update_notification_preferences_updated_at", + ); + pgm.dropTrigger( + "notification_templates", + "update_notification_templates_updated_at", + ); + + // Drop tables + pgm.dropTable("notification_templates"); + pgm.dropTable("notification_logs"); + pgm.dropTable("notification_preferences"); + + // Remove columns from user_profiles + pgm.dropColumns("user_profiles", [ + "phone", + "phone_verified", + "email_verified", + ]); +}; diff --git a/backend/migrations/1777000000007_loan-events-composite-indexes.js b/backend/migrations/1777000000007_loan-events-composite-indexes.js deleted file mode 100644 index abecf0d0..00000000 --- a/backend/migrations/1777000000007_loan-events-composite-indexes.js +++ /dev/null @@ -1,105 +0,0 @@ -/** - * @type {import('node-pg-migrate').ColumnDefinitions | undefined} - */ -export const shorthands = undefined; - -/** - * Adds composite and partial indexes to `loan_events` to cover the six - * most expensive query patterns identified in loanController, poolController, - * and defaultChecker. - * - * All indexes use CREATE INDEX IF NOT EXISTS so the migration is safe to run - * multiple times (idempotent). - * - * Index rationale - * --------------- - * idx_loan_events_borrower_event_type (borrower, event_type) - * Covers the getBorrowerLoans GROUP BY query: - * WHERE borrower = $1 AND loan_id IS NOT NULL GROUP BY loan_id - * and the pool stats query: - * WHERE event_type IN ('Deposit', 'Withdraw') AND borrower = $1 - * - * idx_loan_events_loan_id_event_type (loan_id, event_type) - * Covers getLoanDetails and the defaultChecker sub-query: - * WHERE loan_id = $1 ORDER BY ledger_closed_at - * WHERE e.loan_id = a.loan_id AND e.event_type IN ('LoanRepaid', 'LoanDefaulted') - * - * idx_loan_events_event_type_loan_id (event_type, loan_id) - * Covers the defaultChecker CTE: - * WHERE event_type = 'LoanApproved' AND loan_id IS NOT NULL GROUP BY loan_id - * - * idx_loan_events_ledger (ledger) - * Covers indexer state-tracking queries; declared IF NOT EXISTS because the - * original schema migration already created this single-column index. - * - * idx_loan_events_pool_deposits_withdraws partial (borrower) WHERE event_type IN ('Deposit','Withdraw') - * Narrow partial index for the pool controller query that filters on both - * event type and borrower โ smallest possible index for highest selectivity. - * - * @param pgm {import('node-pg-migrate').MigrationBuilder} - * @returns {void} - */ -export const up = (pgm) => { - // (borrower, event_type) โ borrower loan list + pool stats with borrower filter - pgm.createIndex("loan_events", ["borrower", "event_type"], { - name: "idx_loan_events_borrower_event_type", - ifNotExists: true, - }); - - // (loan_id, event_type) โ loan detail fetch + defaultChecker repayment sub-query - pgm.createIndex("loan_events", ["loan_id", "event_type"], { - name: "idx_loan_events_loan_id_event_type", - ifNotExists: true, - }); - - // (event_type, loan_id) โ defaultChecker approved-loans CTE - pgm.createIndex("loan_events", ["event_type", "loan_id"], { - name: "idx_loan_events_event_type_loan_id", - ifNotExists: true, - }); - - // (ledger) โ already exists from the initial schema migration; declared - // IF NOT EXISTS so this migration stays idempotent if re-run. - pgm.createIndex("loan_events", "ledger", { - name: "idx_loan_events_ledger", - ifNotExists: true, - }); - - // partial index: (borrower) WHERE event_type IN ('Deposit', 'Withdraw') - // Covers the pool controller query for per-borrower deposit/withdrawal totals. - pgm.createIndex("loan_events", "borrower", { - name: "idx_loan_events_pool_deposits_withdraws", - ifNotExists: true, - where: "event_type IN ('Deposit', 'Withdraw')", - }); -}; - -/** - * @param pgm {import('node-pg-migrate').MigrationBuilder} - * @returns {void} - */ -export const down = (pgm) => { - pgm.dropIndex("loan_events", "borrower", { - name: "idx_loan_events_pool_deposits_withdraws", - ifExists: true, - }); - - // The ledger index was created by the original schema migration; skip - // dropping it here so rolling back this migration does not break the - // earlier one. - - pgm.dropIndex("loan_events", ["event_type", "loan_id"], { - name: "idx_loan_events_event_type_loan_id", - ifExists: true, - }); - - pgm.dropIndex("loan_events", ["loan_id", "event_type"], { - name: "idx_loan_events_loan_id_event_type", - ifExists: true, - }); - - pgm.dropIndex("loan_events", ["borrower", "event_type"], { - name: "idx_loan_events_borrower_event_type", - ifExists: true, - }); -}; diff --git a/backend/migrations/1777000000007_unique-loan-status-events.js b/backend/migrations/1777000000007_unique-loan-status-events.js deleted file mode 100644 index cc2cc4d1..00000000 --- a/backend/migrations/1777000000007_unique-loan-status-events.js +++ /dev/null @@ -1,48 +0,0 @@ -/** - * @type {import('node-pg-migrate').ColumnDefinitions | undefined} - */ -export const shorthands = undefined; - -/** - * @param pgm {import('node-pg-migrate').MigrationBuilder} - * @param run {() => void | undefined} - * @returns {PromiseBorderless P2P Lending
+${config?.message || "Your loan application status has been updated."}
+ +Loan ID: ${loanId}
+Amount: ${loanAmount} ${currency}
+If you have any questions, please contact our support team.
+Borderless P2P Lending
+${ + isOverdue + ? `Your payment is ${daysOverdue} days overdue. Please make your payment as soon as possible to avoid additional fees.` + : "You have a payment coming up soon. Please ensure you have sufficient funds available." + }
+ +Loan ID: ${loanId}
+Amount Due: ${amount} ${currency}
+Due Date: ${dueDate}
+ ${isOverdue ? `Days Overdue: ${daysOverdue}
` : ""} +If you have already made this payment, please disregard this notice.
+Borderless P2P Lending
+Great news! Your loan has been approved and the funds have been disbursed to your account.
+ +Loan ID: ${loanId}
+Amount Disbursed: ${amount} ${currency}
+Disbursement Date: ${disbursementDate}
+Please remember to make your payments on time to maintain a good credit score.
+Your verification code is: ${code}
+This code will expire in 10 minutes. Do not share this code with anyone.
+ `, + }); + } + + if ((channel === "sms" || channel === "both") && contactInfo.phone) { + result.smsSent = await this.smsService.sendVerificationCode( + contactInfo.phone, + code, + ); + } + + return result; + } + + public async testNotificationServices(): Promise<{ + email: boolean; + sms: boolean; + errors: string[]; + }> { + const errors: string[] = []; + let emailWorking = false; + let smsWorking = false; + + // Test email service + if (this.emailService.isInitialized()) { + try { + emailWorking = await this.emailService.sendEmail({ + to: "test@example.com", + subject: "Test Email", + html: "This is a test email from RemitLend.
", + }); + } catch (error) { + errors.push(`Email test failed: ${error}`); + } + } else { + errors.push("Email service not initialized"); + } + + // Test SMS service + if (this.smsService.isInitialized()) { + try { + smsWorking = await this.smsService.sendSMS({ + to: "+1234567890", + body: "This is a test SMS from RemitLend.", + }); + } catch (error) { + errors.push(`SMS test failed: ${error}`); + } + } else { + errors.push("SMS service not initialized"); + } + + return { + email: emailWorking, + sms: smsWorking, + errors, + }; + } + + public getServiceStatus(): { + email: boolean; + sms: boolean; + whatsapp: boolean; + } { + return { + email: this.emailService.isInitialized(), + sms: this.smsService.isInitialized(), + whatsapp: + this.smsService.isInitialized() && !!process.env.TWILIO_WHATSAPP_FROM, + }; + } +} diff --git a/backend/src/services/notificationPreferencesService.ts b/backend/src/services/notificationPreferencesService.ts new file mode 100644 index 00000000..3dce1a72 --- /dev/null +++ b/backend/src/services/notificationPreferencesService.ts @@ -0,0 +1,410 @@ +import { query } from "../db/connection.js"; +import logger from "../utils/logger.js"; + +export interface NotificationPreferences { + userId: string; + email: { + enabled: boolean; + loanStatusUpdates: boolean; + paymentReminders: boolean; + paymentOverdue: boolean; + loanDisbursement: boolean; + marketing: boolean; + accountAlerts: boolean; + }; + sms: { + enabled: boolean; + loanStatusUpdates: boolean; + paymentReminders: boolean; + paymentOverdue: boolean; + loanDisbursement: boolean; + marketing: boolean; + accountAlerts: boolean; + useWhatsApp: boolean; + }; + timezone: string; + language: string; +} + +export interface UpdateNotificationPreferencesDTO { + email?: Partial