aitbc/cli/utils/kyc_aml_providers.py

#!/usr/bin/env python3
"""
KYC/AML Provider Integration - Simplified for CLI
Basic HTTP client for compliance verification
"""

import json
import hashlib
from datetime import datetime, timedelta
from typing import Dict, List, Optional, Any
from dataclasses import dataclass
from enum import Enum
import logging
import httpx

# Setup logging
logging.basicConfig(level=logging.INFO)
logger = logging.getLogger(__name__)

class KYCProvider(str, Enum):
    """KYC service providers"""
    CHAINALYSIS = "chainalysis"
    SUMSUB = "sumsub"
    ONFIDO = "onfido"
    JUMIO = "jumio"
    VERIFF = "veriff"

class KYCStatus(str, Enum):
    """KYC verification status"""
    PENDING = "pending"
    APPROVED = "approved"
    REJECTED = "rejected"
    FAILED = "failed"
    EXPIRED = "expired"

class AMLRiskLevel(str, Enum):
    """AML risk levels"""
    LOW = "low"
    MEDIUM = "medium"
    HIGH = "high"
    CRITICAL = "critical"

@dataclass
class KYCRequest:
    """KYC verification request"""
    user_id: str
    provider: KYCProvider
    customer_data: Dict[str, Any]
    documents: List[Dict[str, Any]] = None
    verification_level: str = "standard"

@dataclass
class KYCResponse:
    """KYC verification response"""
    request_id: str
    user_id: str
    provider: KYCProvider
    status: KYCStatus
    risk_score: float
    verification_data: Dict[str, Any]
    created_at: datetime
    expires_at: Optional[datetime] = None
    rejection_reason: Optional[str] = None

@dataclass
class AMLCheck:
    """AML screening check"""
    check_id: str
    user_id: str
    provider: str
    risk_level: AMLRiskLevel
    risk_score: float
    sanctions_hits: List[Dict[str, Any]]
    pep_hits: List[Dict[str, Any]]
    adverse_media: List[Dict[str, Any]]
    checked_at: datetime

class SimpleKYCProvider:
    """Simplified KYC provider with basic HTTP calls"""
    
    def __init__(self):
        self.api_keys: Dict[KYCProvider, str] = {}
        self.base_urls: Dict[KYCProvider, str] = {
            KYCProvider.CHAINALYSIS: "https://api.chainalysis.com",
            KYCProvider.SUMSUB: "https://api.sumsub.com",
            KYCProvider.ONFIDO: "https://api.onfido.com",
            KYCProvider.JUMIO: "https://api.jumio.com",
            KYCProvider.VERIFF: "https://api.veriff.com"
        }
    
    def set_api_key(self, provider: KYCProvider, api_key: str):
        """Set API key for provider"""
        self.api_keys[provider] = api_key
        logger.info(f"✅ API key set for {provider}")
    
    def submit_kyc_verification(self, request: KYCRequest) -> KYCResponse:
        """Submit KYC verification to provider"""
        try:
            if request.provider not in self.api_keys:
                raise ValueError(f"No API key configured for {request.provider}")
            
            # Simple HTTP call (no async)
            headers = {
                "Authorization": f"Bearer {self.api_keys[request.provider]}",
                "Content-Type": "application/json"
            }
            
            payload = {
                "userId": request.user_id,
                "customerData": request.customer_data,
                "verificationLevel": request.verification_level
            }
            
            # Mock API response (in production would be real HTTP call)
            response = self._mock_kyc_response(request)
            
            return response
            
        except Exception as e:
            logger.error(f"❌ KYC submission failed: {e}")
            raise
    
    def check_kyc_status(self, request_id: str, provider: KYCProvider) -> KYCResponse:
        """Check KYC verification status"""
        try:
            # Mock status check - in production would call provider API
            hash_val = int(hashlib.md5(request_id.encode()).hexdigest()[:8], 16)
            
            if hash_val % 4 == 0:
                status = KYCStatus.APPROVED
                risk_score = 0.05
            elif hash_val % 4 == 1:
                status = KYCStatus.PENDING
                risk_score = 0.15
            elif hash_val % 4 == 2:
                status = KYCStatus.REJECTED
                risk_score = 0.85
                rejection_reason = "Document verification failed"
            else:
                status = KYCStatus.FAILED
                risk_score = 0.95
                rejection_reason = "Technical error during verification"
            
            return KYCResponse(
                request_id=request_id,
                user_id=request_id.split("_")[1],
                provider=provider,
                status=status,
                risk_score=risk_score,
                verification_data={"provider": provider.value, "checked": True},
                created_at=datetime.now() - timedelta(hours=1),
                rejection_reason=rejection_reason if status in [KYCStatus.REJECTED, KYCStatus.FAILED] else None
            )
            
        except Exception as e:
            logger.error(f"❌ KYC status check failed: {e}")
            raise
    
    def _mock_kyc_response(self, request: KYCRequest) -> KYCResponse:
        """Mock KYC response for testing"""
        return KYCResponse(
            request_id=f"{request.provider.value}_{request.user_id}_{int(datetime.now().timestamp())}",
            user_id=request.user_id,
            provider=request.provider,
            status=KYCStatus.PENDING,
            risk_score=0.15,
            verification_data={"provider": request.provider.value, "submitted": True},
            created_at=datetime.now(),
            expires_at=datetime.now() + timedelta(days=30)
        )

class SimpleAMLProvider:
    """Simplified AML provider with basic HTTP calls"""
    
    def __init__(self):
        self.api_keys: Dict[str, str] = {}
    
    def set_api_key(self, provider: str, api_key: str):
        """Set API key for AML provider"""
        self.api_keys[provider] = api_key
        logger.info(f"✅ AML API key set for {provider}")
    
    def screen_user(self, user_id: str, user_data: Dict[str, Any]) -> AMLCheck:
        """Screen user for AML compliance"""
        try:
            # Mock AML screening - in production would call real provider
            hash_val = int(hashlib.md5(f"{user_id}_{user_data.get('email', '')}".encode()).hexdigest()[:8], 16)
            
            if hash_val % 5 == 0:
                risk_level = AMLRiskLevel.CRITICAL
                risk_score = 0.95
                sanctions_hits = [{"list": "OFAC", "name": "Test Sanction", "confidence": 0.9}]
            elif hash_val % 5 == 1:
                risk_level = AMLRiskLevel.HIGH
                risk_score = 0.75
                sanctions_hits = []
            elif hash_val % 5 == 2:
                risk_level = AMLRiskLevel.MEDIUM
                risk_score = 0.45
                sanctions_hits = []
            else:
                risk_level = AMLRiskLevel.LOW
                risk_score = 0.15
                sanctions_hits = []
            
            return AMLCheck(
                check_id=f"aml_{user_id}_{int(datetime.now().timestamp())}",
                user_id=user_id,
                provider="chainalysis_aml",
                risk_level=risk_level,
                risk_score=risk_score,
                sanctions_hits=sanctions_hits,
                pep_hits=[],  # Politically Exposed Persons
                adverse_media=[],
                checked_at=datetime.now()
            )
            
        except Exception as e:
            logger.error(f"❌ AML screening failed: {e}")
            raise

# Global instances
kyc_provider = SimpleKYCProvider()
aml_provider = SimpleAMLProvider()

# CLI Interface Functions
def submit_kyc_verification(user_id: str, provider: str, customer_data: Dict[str, Any]) -> Dict[str, Any]:
    """Submit KYC verification"""
    kyc_provider.set_api_key(KYCProvider(provider), "demo_api_key")
    
    request = KYCRequest(
        user_id=user_id,
        provider=KYCProvider(provider),
        customer_data=customer_data
    )
    
    response = kyc_provider.submit_kyc_verification(request)
    
    return {
        "request_id": response.request_id,
        "user_id": response.user_id,
        "provider": response.provider.value,
        "status": response.status.value,
        "risk_score": response.risk_score,
        "created_at": response.created_at.isoformat()
    }

def check_kyc_status(request_id: str, provider: str) -> Dict[str, Any]:
    """Check KYC verification status"""
    response = kyc_provider.check_kyc_status(request_id, KYCProvider(provider))
    
    return {
        "request_id": response.request_id,
        "user_id": response.user_id,
        "provider": response.provider.value,
        "status": response.status.value,
        "risk_score": response.risk_score,
        "rejection_reason": response.rejection_reason,
        "created_at": response.created_at.isoformat()
    }

def perform_aml_screening(user_id: str, user_data: Dict[str, Any]) -> Dict[str, Any]:
    """Perform AML screening"""
    aml_provider.set_api_key("chainalysis_aml", "demo_api_key")
    
    check = aml_provider.screen_user(user_id, user_data)
    
    return {
        "check_id": check.check_id,
        "user_id": check.user_id,
        "provider": check.provider,
        "risk_level": check.risk_level.value,
        "risk_score": check.risk_score,
        "sanctions_hits": check.sanctions_hits,
        "checked_at": check.checked_at.isoformat()
    }

# Test function
def test_kyc_aml_integration():
    """Test KYC/AML integration"""
    print("🧪 Testing KYC/AML Integration...")
    
    # Test KYC submission
    customer_data = {
        "first_name": "John",
        "last_name": "Doe",
        "email": "john.doe@example.com",
        "date_of_birth": "1990-01-01"
    }
    
    kyc_result = submit_kyc_verification("user123", "chainalysis", customer_data)
    print(f"✅ KYC Submitted: {kyc_result}")
    
    # Test KYC status check
    kyc_status = check_kyc_status(kyc_result["request_id"], "chainalysis")
    print(f"📋 KYC Status: {kyc_status}")
    
    # Test AML screening
    aml_result = perform_aml_screening("user123", customer_data)
    print(f"🔍 AML Screening: {aml_result}")
    
    print("🎉 KYC/AML integration test complete!")

if __name__ == "__main__":
    test_kyc_aml_integration()