/* ============================================================ CurrencyDesk OS — New Transaction (guided, type-aware) A single counter flow that reshapes itself to the job: exchange, remittance, cheque, money order, bill payment. The right rail is a live "before you post" checklist + deal ticket, so a teller trained once just fills until everything turns green. Compliance (ID at $3k, LCTR at $10k, structuring, purpose/source capture) is part of the checklist, not an afterthought. Exposed as window.CDOS.TxModal — the Ledger prefers it when present. ============================================================ */ (function () { const { useState, useMemo, useRef, useEffect } = React; const { CD, Ic, CCY, reportingLimit, TODAY, crossRate, fmt, num, mkRef, nowTime, newTx, priceDeal, spreadOf, sellUnitCad, CommitBtn } = window.CDOS; /* ---- Texts (SMS) hold redemption: read the quote store, validate, write back on post ---- */ const TG_RKEY = 'cdos_tg_requests_v2', TG_LKEY = 'cdos_tg_log_v2'; const tgRead = () => { try { return JSON.parse(localStorage.getItem(TG_RKEY) || '[]') || []; } catch (e) { return []; } }; const tgDigits = (p) => (p || '').replace(/\D/g, '').slice(-10); const tgContactName = (phone) => { try { const cs = JSON.parse(localStorage.getItem('cdos_tg_contacts_v2') || '[]') || []; const hit = cs.find(c => c.name && tgDigits(c.phone) === tgDigits(phone)); return hit ? hit.name : ''; } catch (e) { return ''; } }; function tgFind(refRaw) { const norm = (s) => (s || '').toUpperCase().replace(/[^A-Z0-9]/g, ''); const q = norm(refRaw); if (!q) return { err: 'Enter the ref from their text.' }; const list = tgRead(); const digits = q.replace(/[^0-9]/g, ''); let r = list.find(x => norm(x.ref) === q); if (!r && digits.length >= 2) r = list.find(x => norm(x.ref).endsWith(digits)); return r ? { r } : { err: 'No text quote matches that ref — the last digits are enough.' }; } function tgRedeem(tqRef, ledgerRef) { try { const t = new Date().toLocaleTimeString('en-CA', { hour: 'numeric', minute: '2-digit' }); let phone = ''; const next = tgRead().map(x => x.ref === tqRef ? (phone = x.phone, { ...x, status: 'collected', ledgerRef, thread: [...(x.thread || []), { d: 'sys', t: 'Redeemed at the counter \u2192 ' + ledgerRef + ' \u00b7 ' + t }] }) : x); localStorage.setItem(TG_RKEY, JSON.stringify(next)); const lg = (() => { try { return JSON.parse(localStorage.getItem(TG_LKEY) || '[]') || []; } catch (e) { return []; } })(); lg.unshift({ t: Date.now(), kind: 'System', dir: 'sys', to: phone, detail: tqRef + ' redeemed at the counter \u2192 ' + ledgerRef }); localStorage.setItem(TG_LKEY, JSON.stringify(lg.slice(0, 400))); window.dispatchEvent(new Event('cdos_tg_sync')); } catch (e) {} } const stamp = () => new Date().toLocaleString('en-CA', { hour12: false }).replace(',', ''); const ID_TYPES = ["Driver's Licence", 'Passport', 'Provincial ID', 'PR Card', 'Business Number']; const FLAG = { CAD: '🇨🇦', USD: '🇺🇸', EUR: '🇪🇺', GBP: '🇬🇧', INR: '🇮🇳', PHP: '🇵🇭', CNY: '🇨🇳', MXN: '🇲🇽', AED: '🇦🇪' }; const ccyLabel = (c) => (FLAG[c] ? FLAG[c] + ' ' : '') + c; const CCY_NAME = { CAD: 'Canadian Dollar', USD: 'US Dollar', EUR: 'Euro', GBP: 'British Pound', INR: 'Indian Rupee', PHP: 'Philippine Peso', CNY: 'Chinese Yuan', MXN: 'Mexican Peso', AED: 'UAE Dirham' }; // mirror the staff-published rate-board order so this picker matches the board // (reorder currencies on the Rate Board and they reorder here too). function boardOrderedCCY() { try { const order = JSON.parse(localStorage.getItem('yorkfx_board_order') || 'null'); if (Array.isArray(order) && order.length) { const rank = {}; order.forEach((c, i) => { rank[c] = i; }); return [...CCY].sort((a, b) => (rank[a] != null ? rank[a] : 999) - (rank[b] != null ? rank[b] : 999)); } } catch (e) {} return CCY; } // remittance destinations → payout currency const DEST = [ { country: 'Philippines', ccy: 'PHP', flag: '🇵🇭' }, { country: 'India', ccy: 'INR', flag: '🇮🇳' }, { country: 'China', ccy: 'CNY', flag: '🇨🇳' }, { country: 'Mexico', ccy: 'MXN', flag: '🇲🇽' }, { country: 'UAE', ccy: 'AED', flag: '🇦🇪' }, { country: 'United States', ccy: 'USD', flag: '🇺🇸' }, { country: 'United Kingdom', ccy: 'GBP', flag: '🇬🇧' }, { country: 'Eurozone', ccy: 'EUR', flag: '🇪🇺' }, ]; // the six jobs, each with its own identity const TYPE_META = { 'Currency Exchange': { icon: 'coins', short: 'Exchange', blurb: 'Buy or sell foreign cash over the counter.' }, 'Remittance — Send': { icon: 'send', short: 'Send money', blurb: 'Send funds abroad to a beneficiary.' }, 'Remittance — Receive':{ icon: 'wallet', short: 'Pay out', blurb: 'Pay out an incoming transfer to a recipient.' }, 'Cheque Cashing': { icon: 'receipt', short: 'Cash cheque', blurb: 'Cash a cheque, less fee, with a clearing hold.' }, 'Money Order': { icon: 'card', short: 'Money order', blurb: 'Issue a money order to a named payee.' }, 'Bill Payment': { icon: 'filetext', short: 'Pay a bill', blurb: 'Take a payment on behalf of a biller.' }, }; const TYPE_LIST = Object.keys(TYPE_META); /* ---------- tiny shared bits ---------- */ const inSty = { border: `1px solid ${CD.line}`, background: 'var(--cd-panel)', borderRadius: 9 }; function Lbl({ children, hint }) { return
{children}{hint && {hint}}
; } /* ---------- currency picker (custom dropdown, board-ordered) ---------- Native { onFile(e.target.files[0]); setPick(false); }} /> {pick && ReactDOM.createPortal(
setPick(false)}>
e.stopPropagation()} className="w-full" style={{ maxWidth: 360, background: CD.paper, borderRadius: 14, border: `1px solid ${CD.ink}`, boxShadow: '0 24px 60px var(--cd-scrim)', overflow: 'hidden' }}>
{title || 'Add image'}
, document.body)} {cam && ReactDOM.createPortal(
{title || 'Photograph it'}
{err ?
{err}
:
, document.body)} ); } function Money({ value, onChange, ccy, onCcy, big, readOnly, accent, autoFocus }) { return (
{readOnly ?
{value}
: onChange(e.target.value)} inputMode="decimal" autoFocus={autoFocus} placeholder="0.00" className="flex-1 min-w-0 px-3 py-2.5 font-semibold text-right outline-none" style={{ fontVariantNumeric: 'tabular-nums', fontSize: big ? 22 : 16 }} />}
); } /* ---------- customer combobox (search / add with inline KYC) ---------- */ function CustomerPicker({ label, hint, value, query, setQuery, onPick, names, clients, onAddNew, onClear, idRequired }) { const [open, setOpen] = useState(false); const wrap = useRef(null); useEffect(() => { const h = (e) => { if (wrap.current && !wrap.current.contains(e.target)) setOpen(false); }; document.addEventListener('mousedown', h); return () => document.removeEventListener('mousedown', h); }, []); const shown = names.filter(n => n.toLowerCase().includes((query || '').toLowerCase())); return (
{label}
setOpen(true)} onChange={e => { setQuery(e.target.value); setOpen(true); }} placeholder="Type a name…" className="w-full outline-none text-sm bg-transparent" /> {query && }
{open && (
{shown.map(n => { const c = clients[n] || {}; const ver = (() => { try { return ((window.CDOS.KYC && window.CDOS.KYC.checksFor(n)) || []).some(k => (k.template === 'verify' || k.template === 'plus') && k.status === 'completed' && k.result && k.result.decision === 'approved'); } catch (e) { return false; } })(); const st = (!c.idType) ? 'missing ID' : (c.idExpiry && c.idExpiry < TODAY ? 'ID expired' : ver ? 'verified' : 'ID on file'); const ok = st === 'verified'; const onfile = st === 'ID on file'; return ( ); })} {shown.length === 0 &&
No match.
}
)}
); } /* ---------- known-customer snapshot ---------- */ function CustomerCard({ name, rec, live, settings }) { const s = useMemo(() => { const h = live.filter(r => r.customer === name); const cadOf = (a, c) => c === 'CAD' ? (+a || 0) : (+a || 0) / (crossRate('CAD', c) || 1); const winDays = (settings && settings.structuringDays) || 30; const cutoff = new Date(Date.now() - winDays * 86400000).toISOString().slice(0, 10); let total = 0, windowCad = 0; const cc = {}; h.forEach(r => { const cad = cadOf(r.inAmt, r.inCcy); total += cad; if (r.date >= cutoff) windowCad += cad; const c = (r.outCcy && r.outCcy !== 'CAD') ? r.outCcy : (r.inCcy !== 'CAD' ? r.inCcy : null); if (c) cc[c] = (cc[c] || 0) + 1; }); const last = h.reduce((m, r) => r.date > m ? r.date : m, ''); const days = last ? Math.round((Date.parse(TODAY) - Date.parse(last)) / 86400000) : null; return { count: h.length, total, windowCad, winDays, days, top: Object.keys(cc).sort((a, b) => cc[b] - cc[a])[0] || null }; }, [name, live, settings]); const idMissing = !rec || !rec.idType || !rec.idNum; const idExpired = rec && rec.idExpiry && rec.idExpiry < TODAY; const idOk = !idMissing && !idExpired; // green ONLY after a real provider verification (Verified / Verified Plus). // A typed / scanned ID with no KYC is amber “ID on file” — present, not verified. const verified = (() => { try { const ch = (window.CDOS.KYC && window.CDOS.KYC.checksFor(name)) || []; return ch.some(c => (c.template === 'verify' || c.template === 'plus') && c.status === 'completed' && c.result && c.result.decision === 'approved'); } catch (e) { return false; } })(); const badge = idMissing ? { t: 'No ID', c: CD.flag, bg: CD.flagSoft, ic: 'alert' } : idExpired ? { t: 'ID expired', c: CD.flag, bg: CD.flagSoft, ic: 'alert' } : verified ? { t: 'ID verified', c: CD.green, bg: CD.greenSoft, ic: 'checkcircle' } : { t: 'ID on file', c: CD.amber, bg: CD.amberSoft, ic: 'id' }; const initials = name.split(/\s+/).map(w => w[0]).slice(0, 2).join('').toUpperCase(); const line = reportingLimit(settings).amount; const over = line != null && s.windowCad >= line; const near = line != null && !over && s.windowCad >= line * 0.7; const lastLbl = s.days == null ? 'First visit' : s.days === 0 ? 'In today already' : s.days === 1 ? 'Yesterday' : `${s.days} days ago`; return (
{initials}
{name}{s.count >= 3 && Regular}
{s.count > 0 ? `${s.count} deal${s.count !== 1 ? 's' : ''} · ${lastLbl}` : 'No prior deals here'}
{badge.t}
0 ? `${fmt(s.total, 'CAD')} lifetime` : 'new'} tone={CD.ink} divider />
); } function CCstat({ label, value, sub, tone, divider }) { return (
{label}
{value}
{sub &&
{sub}
}
); } /* ---------- present-to-customer fullscreen quote ---------- */ function PresentQuote({ q, onClose }) { useEffect(() => { const h = (e) => { if (e.key === 'Escape') onClose(); }; document.addEventListener('keydown', h); return () => document.removeEventListener('keydown', h); }, [onClose]); return ReactDOM.createPortal(
{q.biz}
{q.title}
{q.tag}
{q.giveLbl}
{q.give}
{q.rateLine &&
{q.rateLine}
}
{q.getLbl}
{q.get}
{q.foot}
, document.body); } /* ---------- checklist row ---------- */ function Check({ ok, warn, label, sub }) { const tone = ok ? CD.green : warn ? CD.amber : CD.faint; const ic = ok ? 'checkcircle' : warn ? 'alert' : 'circle'; return (
{ok ? : warn ? : null}
{label}
{sub &&
{sub}
}
); } /* ===================================================================== MAIN ===================================================================== */ function TxModal({ rows, clients, setClients, setRows, settings, me, log, onClose, onDone, prefillClient, rateVersion, cheques, setCheques, chequeSchedule, onOpenCheques, serverBacked, onServerPosted }) { const live = useMemo(() => rows.filter(r => r.status !== 'void'), [rows]); const names = useMemo(() => { const s = new Set(Object.keys(clients)); live.forEach(r => r.customer && s.add(r.customer)); return Array.from(s).sort(); }, [clients, live]); const [type, setType] = useState('Currency Exchange'); const meta = TYPE_META[type]; /* ---- the key that says "this attempt, and no other" ---- The idempotency key used to be built from `ref` — mkRef(TODAY, seq), where seq counts THIS browser's rows for today. That number restarts at 1 whenever local state does, so the second money order ever posted from a freshly signed-in till carried the same key as the first: the ledger recognised it as a replay, returned the first deal's response, and moved no cash. The screen said posted, the drawer never changed, and nothing anywhere said so. One key per ticket instead. It survives a refusal — a deal the ledger REFUSED leaves no idempotency row behind, so re-submitting the corrected ticket under the same key is exactly right — and a new ticket gets a new one. */ const attempt = useRef(null); const attemptKey = () => { if (!attempt.current) attempt.current = (window.crypto && window.crypto.randomUUID) ? window.crypto.randomUUID() : 'k' + Date.now().toString(36) + Math.random().toString(36).slice(2); return attempt.current; }; // customer const [customer, setCustomer] = useState(prefillClient || ''); const [query, setQuery] = useState(prefillClient || ''); const [addFlow, setAddFlow] = useState(false); // launches the KYC scan-ID walk-through const [quickChk, setQuickChk] = useState(null); // tier string → opens the SendModal chooser // exchange const [inCcy, setInCcy] = useState('CAD'); const [outCcy, setOutCcy] = useState('USD'); const [inAmt, setInAmt] = useState(''); const [override, setOverride] = useState(false); const [manualRate, setManualRate] = useState(''); const [lock, setLock] = useState(null); const [nowMs, setNowMs] = useState(Date.now()); const [fee, setFee] = useState(settings && settings.defaultFee != null ? String(settings.defaultFee) : ''); // remittance const [dest, setDest] = useState(DEST[0]); const [benName, setBenName] = useState(''); const [purpose, setPurpose] = useState(''); const [recvRef, setRecvRef] = useState(''); // remittance-receive tracking ref // cheque const [chequeNumber, setChequeNumber] = useState(''); const [maker, setMaker] = useState(''); const [draweeBank, setDraweeBank] = useState(''); const [chequeTypeId, setChequeTypeId] = useState('payroll'); const [chequeImage, setChequeImage] = useState(null); const [endorsed, setEndorsed] = useState(false); // money order / bill const [payee, setPayee] = useState(''); const [biller, setBiller] = useState(''); const [account, setAccount] = useState(''); // compliance capture + margin override const [cap, setCap] = useState({ source: '', thirdParty: false, thirdPartyName: '' }); const [marginAck, setMarginAck] = useState(false); const [marginReason, setMarginReason] = useState(''); const [memo, setMemo] = useState(''); const [present, setPresent] = useState(false); // Texts hold redemption — the ref the customer reads at the counter const [tqIn, setTqIn] = useState(''); const [tq, setTq] = useState(null); const [tqErr, setTqErr] = useState(''); const [tqOpen, setTqOpen] = useState(false); const [serverQuote, setServerQuote] = useState(null); const [serverBusy, setServerBusy] = useState(false); const [serverError, setServerError] = useState(''); useEffect(() => { const h = (e) => { if (e.key === 'Escape' && !present) onClose(); }; document.addEventListener('keydown', h); return () => document.removeEventListener('keydown', h); }, [onClose, present]); useEffect(() => { if (!lock) return; const t = setInterval(() => setNowMs(Date.now()), 1000); return () => clearInterval(t); }, [lock]); const amtN = parseFloat(inAmt) || 0; const isExchange = type === 'Currency Exchange'; const isSend = type === 'Remittance — Send'; const isReceive = type === 'Remittance — Receive'; const isCheque = type === 'Cheque Cashing'; const isMO = type === 'Money Order'; const isBill = type === 'Bill Payment'; // remittance send: customer pays CAD, beneficiary gets payout ccy const payoutCcy = isSend ? dest.ccy : outCcy; const lockLive = lock && lock.until > nowMs ? lock : null; useEffect(() => { if (lock && lock.until <= nowMs) setLock(null); }, [nowMs, lock]); // pricing: exchange uses both legs; send uses CAD→payout; receive/mo/bill are face-value const priceArgs = isExchange ? { inCcy, outCcy, inAmt: amtN, settings, lockedRate: lockLive && !override ? lockLive.rate : null, overrideRate: override && manualRate !== '' ? manualRate : null } : isSend ? { inCcy: 'CAD', outCcy: payoutCcy, inAmt: amtN, settings, lockedRate: null, overrideRate: null } : null; const pricing = useMemo(() => priceArgs ? priceDeal(priceArgs) : { rate: 1, outAmt: amtN, midRate: null, marginCad: 0, side: null, midCadIn: amtN, deskRate: 1, outAmtRaw: amtN }, [JSON.stringify(priceArgs), rateVersion]); const rateN = pricing.rate; useEffect(() => { setServerQuote(null); setServerError(''); }, [customer, inCcy, outCcy, inAmt, fee, override, manualRate, lock && lock.rate]); // cheque fee/hold from shared schedule const _K = window.CDOS._cheques; const chequeSched = chequeSchedule || (_K ? _K.defaultSchedule() : []); const chequeType = chequeSched.find(t => t.id === chequeTypeId) || chequeSched[0] || { feePct: 0, feeMin: 0, holdDays: 0, label: 'Cheque' }; const chequeFee = isCheque && _K ? +_K.feeFor(amtN, chequeType).toFixed(2) : (parseFloat(fee) || 0); // what the customer receives / what we collect, per type const feeN = parseFloat(fee) || 0; const out = isExchange ? { amt: pricing.outAmt, ccy: outCcy } : isSend ? { amt: pricing.outAmt, ccy: payoutCcy } : isCheque ? { amt: +(amtN - chequeFee).toFixed(2), ccy: 'CAD' } : isReceive ? { amt: amtN, ccy: outCcy } : { amt: amtN, ccy: 'CAD' }; // MO / Bill: face value out // CAD-equivalent of the cash the customer hands over (threshold basis) const collectCad = isExchange ? (inCcy === 'CAD' ? amtN : amtN / (crossRate('CAD', inCcy) || 1)) : (isMO || isBill) ? amtN + feeN : isCheque ? amtN : amtN; // send/receive amounts are in CAD or treated as CAD-equiv const inCadEquiv = isExchange ? (inCcy === 'CAD' ? amtN : amtN / (crossRate('CAD', inCcy) || 1)) : amtN; // margin (exchange + send carry FX spread; others are fee-only) const spreadCadLive = (isExchange || isSend) ? (pricing.marginCad || 0) : 0; const profitCad = +(spreadCadLive + (isCheque ? chequeFee : feeN)).toFixed(2); const marginBasis = (isExchange || isSend) ? (pricing.midCadIn || 0) : inCadEquiv; const marginPct = marginBasis > 0 ? (profitCad / marginBasis) * 100 : 0; const mFloor = settings && settings.marginFloorPct != null ? +settings.marginFloorPct : 0.5; const mTarget = settings && settings.marginTargetPct != null ? +settings.marginTargetPct : 1.0; const mEnforce = (settings && settings.marginEnforce) || 'block'; const belowFloor = amtN > 0 && (isExchange || isSend) && marginPct < mFloor; const needOverride = belowFloor && mEnforce === 'block'; // ---- compliance ---- // resolve the live regime pack FIRST — the reportable threshold and ID-required // floor must come from settings (via getRegime), not the bare fallback constants, // so this screen never drifts from the Ledger/Compliance desk when the owner // tunes them in Settings → Compliance & jurisdiction. const limit = reportingLimit(settings); const regime = window.CDOS.getRegime ? window.CDOS.getRegime(settings) : { largeCode: limit.code, threshold: limit.amount, idAt: 3000 }; const TH = limit.amount; const idFloor = regime.idAt || 3000; const rec = clients[customer]; const kyc = (!rec || !rec.idType || !rec.idNum) ? 'missing' : (rec.idExpiry && rec.idExpiry < TODAY ? 'expired' : 'ok'); /* Null-safe: with no threshold the honest answer is "cannot say", and coercing it makes `>= null` mean `>= 0` — every deal reportable. A compliance screen that flags everything gets ignored, which is how a real reportable transaction walks past somebody. */ const single = TH != null && inCadEquiv >= TH; const idRequired = single || inCadEquiv >= idFloor || isSend; // remittance always needs sender ID const idOk = kyc === 'ok'; const recentTotal = useMemo(() => { if (!customer) return 0; return live.filter(o => o.customer === customer).reduce((s, o) => s + (o.inCcy === 'CAD' ? (+o.inAmt || 0) : (+o.inAmt || 0) / (crossRate('CAD', o.inCcy) || 1)), 0) + inCadEquiv; }, [customer, live, inCadEquiv]); const structuring = TH != null && !single && customer && recentTotal >= TH; // ---- per-type requirement checklist (the "make it green" list) ---- const reqs = []; reqs.push({ key: 'amt', ok: amtN > 0, label: isCheque ? 'Cheque amount entered' : 'Amount entered' }); if (isSend) { reqs.push({ key: 'ben', ok: !!benName.trim(), label: 'Beneficiary name' }); reqs.push({ key: 'dest', ok: !!dest, label: `Destination — ${dest.flag} ${dest.country}` }); } if (isReceive) reqs.push({ key: 'ref', ok: !!recvRef.trim(), label: 'Transfer / tracking reference' }); if (isCheque) { reqs.push({ key: 'cn', ok: !!chequeNumber.trim(), label: 'Cheque number' }); reqs.push({ key: 'mk', ok: !!maker.trim(), label: 'Maker (who wrote it)' }); reqs.push({ key: 'img', ok: !!chequeImage, soft: true, warn: !chequeImage, label: 'Cheque image on file', sub: !chequeImage ? 'Scan the cheque so it can be cleared / followed up (recommended)' : null }); } if (isMO) reqs.push({ key: 'payee', ok: !!payee.trim(), label: 'Payee name' }); if (isBill) { reqs.push({ key: 'biller', ok: !!biller.trim(), label: 'Biller' }); reqs.push({ key: 'acct', ok: !!account.trim(), label: 'Account number' }); } // identity const custLabel = isSend ? 'Sender' : isReceive ? 'Recipient' : isMO ? 'Purchaser' : isBill ? 'Payer' : 'Customer'; if (idRequired) reqs.push({ key: 'id', ok: !!customer && idOk, warn: !!customer && !idOk, label: `${custLabel} identified`, sub: !customer ? `ID required ${single ? `over ${limit.label}` : isSend ? 'for remittance' : 'over ' + fmt(idFloor, 'CAD')} — search or add them` : !idOk ? `Their ID is ${kyc} — fix on the client file` : null }); else reqs.push({ key: 'cust', ok: !!customer.trim(), label: customer.trim() ? `${custLabel}: ${customer}` : `${custLabel} name`, sub: !customer.trim() ? 'A name is required — ID not needed at this amount, but capture who this is' : 'No ID needed at this amount' }); // reportable capture if (single) { const capOk = purpose.trim() && cap.source.trim() && (!cap.thirdParty || cap.thirdPartyName.trim()); reqs.push({ key: 'cap', ok: capOk, warn: !capOk, label: `${regime.largeCode} details captured`, sub: !capOk ? 'Purpose, source of funds & third-party — fill below' : 'Pre-fills the filing in Compliance' }); } if (serverBacked && isExchange && !single) { const serverFactsOk = purpose.trim() && cap.source.trim(); reqs.push({ key: 'server-facts', ok: serverFactsOk, warn: !serverFactsOk, label: 'Ledger facts captured', sub: !serverFactsOk ? 'Purpose and source of funds are required for an authoritative post' : null }); } if (needOverride) reqs.push({ key: 'mgn', ok: marginAck && marginReason.trim(), warn: true, label: 'Below-floor margin — needs a reason', sub: marginAck && marginReason.trim() ? null : 'Acknowledge & give a reason below' }); const hardReqs = reqs.filter(r => !r.soft); const allGreen = hardReqs.every(r => r.ok); const canSave = amtN > 0 && allGreen; const remaining = hardReqs.filter(r => !r.ok).length; // ---- actions ---- const resetPricing = () => { setLock(null); setOverride(false); setManualRate(''); }; const swap = () => { setInCcy(outCcy); setOutCcy(inCcy); resetPricing(); }; const lockRate = () => { const mins = (settings && settings.rateLockMins) || 15; setOverride(false); setManualRate(''); setLock({ rate: pricing.deskRate, until: Date.now() + mins * 60000, ref: 'Q-' + String(TODAY).slice(2).replace(/-/g, '') + '-' + String(live.filter(r => r.date === TODAY).length + 1).padStart(3, '0'), mins }); }; const lockSecs = lockLive ? Math.max(0, Math.round((lockLive.until - nowMs) / 1000)) : 0; const lockClock = `${Math.floor(lockSecs / 60)}:${String(lockSecs % 60).padStart(2, '0')}`; const onPick = (n) => { setCustomer(n); setQuery(n); }; const onAddNew = () => setAddFlow(true); const onClear = () => { setQuery(''); setCustomer(''); }; const applyTqWith = (val) => { const { r, err } = tgFind(val); if (err) { setTqErr(err); return; } if (r.status === 'collected' || r.status === 'closed') { setTqErr(r.ref + (r.status === 'collected' ? ' was already collected' + (r.ledgerRef ? ' (' + r.ledgerRef + ')' : '') + '.' : ' is closed — no live quote.')); return; } if (r.status === 'expired' || ((r.status === 'held' || r.status === 'verified') && r.holdUntil && r.holdUntil <= Date.now())) { setTqErr(r.ref + ' — the hold has expired. Re-quote from the Texts app, or price at today’s board.'); return; } if (r.kind === 'order' && r.status !== 'order_arrived') { setTqErr(r.ref + ' is a currency order still in transit — redeem it once the stock arrives.'); return; } if (r.status === 'new' || r.status === 'order_new') { setTqErr(r.ref + ' hasn’t been quoted yet — answer it in the Texts app first.'); return; } if (CCY.indexOf(r.ccy) < 0) { setTqErr(r.ccy + ' isn’t on your board — price this one by hand.'); return; } const held = (r.status === 'held' || r.status === 'verified') && r.rate > 0 && r.total > 0; setInCcy('CAD'); setOutCcy(r.ccy); if (held) { setInAmt(String(r.total)); setOverride(false); setManualRate(''); setLock({ rate: r.amount / r.total, until: r.holdUntil, ref: r.ref }); } else { const est = Math.round(r.amount * sellUnitCad(r.ccy, settings) * 100) / 100; setInAmt(String(est)); setLock(null); setOverride(false); setManualRate(''); } const nm = r.name || tgContactName(r.phone); if (nm) { setCustomer(nm); setQuery(nm); } setMemo(m => m || ('Texts ' + r.ref + ' · ' + r.phone)); setTq({ ref: r.ref, phone: r.phone, name: r.name, ccy: r.ccy, amount: r.amount, rate: r.rate, holdUntil: r.holdUntil, kind: r.kind, held }); setTqErr(''); setTqIn(''); setTqOpen(false); }; const applyTq = () => applyTqWith(tqIn); const clearTq = () => { setTq(null); setLock(null); setTqErr(''); setTqOpen(false); }; // hand-pricing usually means the customer is showing a texted quote — offer the ref box useEffect(() => { if (override && !tq) setTqOpen(true); }, [override]); // a ref handed over by the Texts app (Start transaction) — apply on mount useEffect(() => { const p = window.__cdosTqPrefill; if (p) { window.__cdosTqPrefill = null; applyTqWith(String(p)); } }, []); const getServerQuote = async () => { if (!canSave || !window.CDOS.Backend) return; setServerBusy(true); setServerError(''); try { const synced = await window.CDOS.Backend.syncCustomer(customer, rec); setClients(list => ({ ...list, [customer]: { ...(list[customer] || {}), ledgerCustomerId: synced.customerId, ledgerExternalRef: synced.externalRef } })); let quote = await window.CDOS.Backend.createQuote({ customerId: synced.customerId, from: inCcy, to: outCcy, inputAmount: window.CDOS.Backend.asMoney(amtN), feeCad: window.CDOS.Backend.asMoney(feeN), direction: inCcy === 'CAD' ? 'customer_buy_foreign' : 'customer_sell_foreign', }); if ((override || lockLive) && Math.abs(Number(quote.customerRate) - rateN) > 0.000000000001) { quote = await window.CDOS.Backend.overrideQuote(quote.quoteId, { customerRate: String(rateN), reason: marginReason.trim() || (tq ? `Text quote ${tq.ref}` : lockLive ? `Rate lock ${lockLive.ref || ''}`.trim() : 'Manual counter rate'), }); } setServerQuote(quote); } catch (error) { setServerError(error.message || 'The server quote could not be created.'); } finally { setServerBusy(false); } }; const postServerQuote = async () => { if (!serverQuote || serverBusy || !window.CDOS.Backend) return; setServerBusy(true); setServerError(''); try { const posted = await window.CDOS.Backend.postQuote(serverQuote.quoteId, { idempotencyKey: `web:${serverQuote.quoteId}`, purpose: purpose.trim(), sourceOfFunds: cap.source.trim(), thirdParty: !!cap.thirdParty, thirdPartyName: cap.thirdParty ? cap.thirdPartyName.trim() : undefined, }); const row = window.CDOS.Backend.transactionToRow(posted, customer, { purpose: purpose.trim(), sourceOfFunds: cap.source.trim(), thirdParty: !!cap.thirdParty, thirdPartyName: cap.thirdParty ? cap.thirdPartyName.trim() : '' }); setRows(current => window.CDOS.Backend.mergeRows(current, [row])); log('Transaction recorded', `${posted.transactionRef} · Exchange · ${customer} · ${posted.inputAmount} ${posted.from} · server ledger`); if (tq) { tgRedeem(tq.ref, posted.transactionRef); log('Text quote redeemed', tq.ref + ' → ' + posted.transactionRef + ' · ' + tq.phone); } if (onServerPosted) { try { await onServerPosted(); } catch (refreshError) { log && log('Ledger refresh failed', refreshError.message || 'The posted transaction will refresh on the next ledger open'); } } onDone && onDone(row.id); } catch (error) { if (error.code === 'QUOTE_EXPIRED' || error.code === 'QUOTE_NOT_ACTIVE') setServerQuote(null); setServerError(error.message || 'The transaction was not posted.'); } finally { setServerBusy(false); } }; /* ---- money order and bill payment reach the ledger ---- Both are cash over the counter against a promise the desk then owes — a biller waiting to be remitted, a payee waiting to present an instrument — and both used to be a row in an array and nothing else. The drawer on the server never moved, so a day of them left the till and the book disagreeing by exactly what the shop had taken in. The ledger goes first and the browser row follows it. What is booked as earned is the fee and only the fee; the obligation is carried at the face the desk undertook to deliver. See docs/OBLIGATION_LINES.md. Deliberately narrow: this posts the two lines it names and leaves every other type on the path it was already on. A cheque is the other agent's, an exchange goes through the frozen-quote path above, and a remittance is posted from the Transfers app where its corridor, partner and beneficiary actually live. */ const postObligationDeal = async (ref) => { const B = window.CDOS.Backend; const synced = await B.syncCustomer(customer, rec); setClients(list => ({ ...list, [customer]: { ...(list[customer] || {}), ledgerCustomerId: synced.customerId, ledgerExternalRef: synced.externalRef } })); const capture = { purpose: purpose.trim(), sourceOfFunds: cap.source.trim(), thirdParty: !!cap.thirdParty, thirdPartyName: cap.thirdParty ? cap.thirdPartyName.trim() : undefined }; return isMO ? B.postMoneyOrder({ idempotencyKey: 'web:mo:' + attemptKey(), customerId: synced.customerId, reference: ref, faceAmount: B.asMoney(amtN), feeAmount: B.asMoney(feeN), payee: payee.trim(), /* The desk's own reference stands in for the instrument's serial. This screen has no serial field — a money order is issued from a pre-printed book and its number is on the paper — so what is recorded is the reference the desk can actually produce, not a number nobody typed. Named as a missing field in docs/OBLIGATION_LINES.md. */ serial: ref, ...capture, }) : B.postBillPayment({ idempotencyKey: 'web:bill:' + attemptKey(), customerId: synced.customerId, reference: ref, billAmount: B.asMoney(amtN), feeAmount: B.asMoney(feeN), biller: biller.trim(), accountRef: account.trim(), ...capture, }); }; /* ---- a cheque cashed from this ticket is the same cheque ---- The Cheques desk posts to the ledger; this screen used to write a browser row and a local cheque record, so the very same act — a customer cashing a payroll cheque — reached the book from one screen and not from the other. That is not a missing feature, it is two implementations of one rule, and the drawer disagrees with itself depending on which door the customer came through. So it calls the SAME service, through the same module that owns the cheque record, and maps the server's answer with the same `fromServer` the register uses. Nothing about a cheque is decided here: the hold date, the reference and the net are the server's, and this screen contributes the capture the teller typed. See docs/CHEQUE_CASHING.md. */ const postCheque = async () => { const book = _K.ledger(); const synced = await window.CDOS.Backend.syncCustomer(customer.trim(), rec); setClients(list => ({ ...list, [customer]: { ...(list[customer] || {}), ledgerCustomerId: synced.customerId, ledgerExternalRef: synced.externalRef } })); const posted = await book.cashCheque({ idempotencyKey: `web-chq:${synced.customerId}:${chequeNumber.trim()}:${window.CDOS.Backend.asMoney(amtN)}:${Date.now()}`, customerId: synced.customerId, chequeNumber: chequeNumber.trim(), maker: maker.trim(), draweeBank: draweeBank.trim() || undefined, chequeType: chequeType.id, typeLabel: chequeType.label, currency: 'CAD', faceAmount: window.CDOS.Backend.asMoney(amtN), feeAmount: window.CDOS.Backend.asMoney(chequeFee), holdDays: chequeType.holdDays || 0, endorsed: endorsed, }); /* The image never leaves the browser — see the note in 017_cheque_cashing.sql about not putting a megabyte of JPEG inside a SERIALIZABLE money transaction — so it is carried onto the mapped record rather than being lost on the way through. */ const mapped = _K.fromServer(Object.assign({ customerName: customer.trim() }, posted.cheque)); if (chequeImage) mapped.image = chequeImage; setCheques && setCheques(list => [mapped, ...(list || []).filter(c => c.chequeId !== mapped.chequeId)]); return { transactionId: posted.transactionId, transactionRef: posted.transactionRef, obligationId: null }; }; const record = async () => { if (!canSave || serverBusy) return; const seq = live.filter(r => r.date === TODAY).length + 1; let ref = mkRef(TODAY, seq); let posted = null; const chequeOnLedger = serverBacked && isCheque && _K && _K.ledger(); if (chequeOnLedger) { setServerBusy(true); setServerError(''); try { posted = await postCheque(); ref = posted.transactionRef; } catch (error) { setServerError(error.message || 'The cheque was not cashed.'); setServerBusy(false); return; } setServerBusy(false); } else if (serverBacked && (isMO || isBill) && window.CDOS.Backend) { setServerBusy(true); setServerError(''); try { posted = await postObligationDeal(ref); ref = posted.transactionRef; } catch (error) { /* Nothing was written anywhere. There is no offline mode — docs/CASH_OWNERSHIP_INVARIANTS.md — so a deal the ledger refused is a deal that did not happen, and recording it here would be inventing money. */ setServerError(error.message || 'The transaction was not posted.'); setServerBusy(false); return; } setServerBusy(false); } const base = { ref, type, customer: customer || 'Walk-in (no client)', teller: me.name, createdBy: me.name, createdAt: stamp(), capture: single ? { purpose: purpose.trim(), source: cap.source.trim(), thirdParty: cap.thirdParty, thirdPartyName: cap.thirdPartyName.trim(), by: me.name, at: stamp() } : null, marginOverride: needOverride ? { by: me.name, at: stamp(), pct: +marginPct.toFixed(2), reason: marginReason.trim() } : null, thread: memo ? [{ ts: stamp(), user: me.name, text: memo }] : [], notes: memo }; let tx; if (isExchange) { tx = newTx({ ...base, inCcy, inAmt: amtN, rate: rateN, outCcy, outAmt: pricing.outAmt, fee: feeN, midRate: pricing.midRate, spreadCad: pricing.marginCad, side: pricing.side, priced: override ? 'override' : (lockLive ? 'locked' : 'desk'), quoteRef: tq ? tq.ref : (lockLive ? lockLive.ref : null), quotePhone: tq ? tq.phone : null, quoteVia: tq ? 'texts' : null, marginPct: +marginPct.toFixed(2), profitCad, lockedUntil: lockLive ? new Date(lockLive.until).toLocaleString('en-CA', { hour12: false }).replace(',', '') : null }); } else if (isSend) { tx = newTx({ ...base, beneficiary: `${benName.trim()} · ${dest.country}`, inCcy: 'CAD', inAmt: amtN, rate: rateN, outCcy: payoutCcy, outAmt: pricing.outAmt, fee: feeN, midRate: pricing.midRate, spreadCad: pricing.marginCad, side: pricing.side, marginPct: +marginPct.toFixed(2), profitCad, notes: purpose || memo }); } else if (isReceive) { tx = newTx({ ...base, inCcy: outCcy, inAmt: amtN, rate: 1, outCcy, outAmt: amtN, fee: feeN, profitCad, notes: `Ref ${recvRef.trim()}${memo ? ' · ' + memo : ''}` }); } else if (isCheque) { tx = newTx({ ...base, inCcy: 'CAD', inAmt: amtN, rate: 1, outCcy: 'CAD', outAmt: +(amtN - chequeFee).toFixed(2), fee: chequeFee, profitCad: chequeFee, notes: `${chequeType.label} cheque #${chequeNumber.trim()}${memo ? ' · ' + memo : ''}` }); } else if (isMO) { tx = newTx({ ...base, beneficiary: payee.trim(), inCcy: 'CAD', inAmt: amtN, rate: 1, outCcy: 'CAD', outAmt: amtN, fee: feeN, profitCad: feeN, notes: `Money order to ${payee.trim()}${memo ? ' · ' + memo : ''}` }); } else { // bill tx = newTx({ ...base, beneficiary: biller.trim(), inCcy: 'CAD', inAmt: amtN, rate: 1, outCcy: 'CAD', outAmt: amtN, fee: feeN, profitCad: feeN, notes: `Bill: ${biller.trim()} · acct ${account.trim()}${memo ? ' · ' + memo : ''}` }); } /* Where the ledger holds it, the browser row carries the book's own names for the deal and for the promise it left behind, so the two can be joined. It carries no cash figure of its own. */ if (posted) { tx.serverTransactionId = posted.transactionId; tx.serverObligationId = posted.obligationId; } // house auto-tag rules (Settings → Tagged) — applied once, as the deal posts const _atOver = +((settings || {}).autoTagOver) > 0 && collectCad >= +settings.autoTagOver; const _atRiskLvl = (window.CDOS && window.CDOS.normalizeRisk) ? window.CDOS.normalizeRisk(rec && (rec.risk || rec.riskRating)) : (/enhanced|high/i.test(String((rec && (rec.risk || rec.riskRating)) || '')) ? 'High' : 'Normal'); const _atRisk = !!(settings || {}).autoTagRisk && rec && (_atRiskLvl === 'Medium' || _atRiskLvl === 'High'); const _atNew = !!(settings || {}).autoTagNew && customer && !live.some(o => o.customer === customer); if (_atOver || _atRisk || _atNew) { tx.tagged = true; tx.tagInfo = { by: 'Auto-rule', at: stamp(), note: _atOver ? `Auto-tagged: at/over ${fmt(+settings.autoTagOver, 'CAD')}` : _atRisk ? `Auto-tagged: ${rec.risk || 'risk'} risk client` : 'Auto-tagged: first deal for a new client' }; } setRows(r => [tx, ...r]); /* The local cheque register is written HERE only when the ledger did not take it — `postCheque` above has already put the server's own record in place, and minting a second one beside it is the two-books problem in miniature. */ if (isCheque && setCheques && _K && !posted) { const net = +(amtN - chequeFee).toFixed(2); const holdUntil = _K.addDays(TODAY, chequeType.holdDays || 0); const seqC = (cheques || []).filter(c => c.receivedDate === TODAY).length + 1; const cref = 'CHQ-' + String(TODAY).slice(2).replace(/-/g, '') + '-' + String(seqC).padStart(3, '0'); setCheques(listv => [{ id: 'c' + Date.now(), ref: cref, chequeNumber: chequeNumber.trim(), maker: maker.trim(), draweeBank: draweeBank.trim(), customer: customer || 'Walk-in (no client)', typeId: chequeType.id, typeLabel: chequeType.label, ccy: 'CAD', amount: amtN, feeCad: chequeFee, netCad: net, endorsed: endorsed, image: chequeImage, holdDays: chequeType.holdDays || 0, receivedDate: TODAY, holdUntil, status: 'held', nsf: false, fraud: false, timeline: [{ status: 'held', ts: stamp(), by: me.name, note: `Cashed at the till · ${(chequeType.holdDays || 0) === 0 ? 'no hold' : chequeType.holdDays + '-day hold'}${chequeImage ? ' · image on file' : ''}` }], txId: tx.id, txRef: ref, createdBy: me.name }, ...(listv || [])]); } log('Transaction recorded', `${ref} · ${meta.short} · ${customer || 'walk-in'} · ${num(amtN)} ${isExchange ? inCcy : 'CAD'}${single ? ' · REPORTABLE' : ''}${needOverride ? ' · below-floor' : ''}`); if (tq && isExchange) { tgRedeem(tq.ref, ref); log('Text quote redeemed', tq.ref + ' → ' + ref + ' · ' + tq.phone); } /* The drawer just moved on the server, so the screen behind this modal is showing yesterday's figure until it is told. */ if (posted && onServerPosted) { try { await onServerPosted(); } catch (refreshError) { log && log('Ledger refresh failed', refreshError.message || 'The drawer will refresh on the next ledger open'); } } onDone && onDone(tx.id); }; // present-quote payload (exchange + send) const presentQ = isSend ? { biz: (settings && (settings.operatingName || settings.bizName)) || 'CurrencyDesk', title: 'Send money', tag: `${dest.flag} ${dest.country}`, giveLbl: 'You pay', give: `${num(amtN)} CAD`, rateLine: `1 CAD = ${num(rateN)} ${payoutCcy}`, getLbl: `${benName || 'Beneficiary'} receives`, get: `${num(out.amt)} ${payoutCcy}`, foot: feeN > 0 ? `Includes ${fmt(feeN, 'CAD')} fee` : 'No service fee' } : { biz: (settings && (settings.operatingName || settings.bizName)) || 'CurrencyDesk', title: 'Your quote', tag: pricing.side === 'buy' ? `We buy ${inCcy}` : pricing.side === 'sell' ? `We sell ${outCcy}` : `${inCcy} → ${outCcy}`, giveLbl: 'You give', give: `${num(amtN)} ${inCcy}`, rateLine: `1 ${inCcy} = ${num(rateN)} ${outCcy}`, getLbl: 'You receive', get: `${num(out.amt)} ${outCcy}`, foot: feeN > 0 ? `Includes ${fmt(feeN, 'CAD')} service fee` : (lockLive ? `Rate held ${lockClock}` : 'Rate as quoted now') }; /* ---------------- render ---------------- */ return ReactDOM.createPortal((
e.stopPropagation()} className="w-full flex flex-col" style={{ maxWidth: 940, maxHeight: 'calc(100vh - 32px)', background: CD.paper, border: `1px solid ${CD.ink}`, borderRadius: 16, boxShadow: '0 24px 70px var(--cd-scrim)', overflow: 'hidden' }}> {/* header */}
New transaction
{meta.short} · {me.name} · {TODAY}
{/* type selector */}
{TYPE_LIST.map(t => { const on = type === t; const m = TYPE_META[t]; return ( ); })}
{meta.blurb}
{/* body: form | rail */}
{/* LEFT — the form */}
{/* customer (sender/purchaser/payer) */} { setQuery(v); setCustomer(v); }} onPick={onPick} names={names} clients={clients} onAddNew={onAddNew} onClear={onClear} idRequired={idRequired} /> {customer && clients[customer] && } {/* The customer's ID, where the teller actually is when the question comes up. Covered until it is clicked, and the click writes a server audit row — same component, same rules, as the client file's. Renders nothing at all when the name resolves to no record with a scan on it. */} {customer && window.CDOS.ClientIdViewer && React.createElement(window.CDOS.ClientIdViewer, { name: customer, rec: clients[customer], log, compact: true })} {customer && clients[customer] && window.CDOS.KYC && window.CDOS.KYC.VerificationNudge && React.createElement(window.CDOS.KYC.VerificationNudge, { key: customer + ':' + single + ':' + idRequired, name: customer, rec: clients[customer], settings, amountCad: inCadEquiv, idRequired: idRequired && kyc !== 'ok', onRun: (tpl) => setQuickChk(tpl) })} {/* ---------------- EXCHANGE ---------------- */} {isExchange && (
Customer pays in { setInCcy(v); resetPricing(); }} big autoFocus />
{pricing.side === 'buy' ? `We buy ${inCcy}` : pricing.side === 'sell' ? `We sell ${outCcy}` : 'Cross'} 1 {inCcy} = {rateN ? num(rateN) : '—'} {outCcy}
Customer receives { setOutCcy(v); resetPricing(); }} readOnly accent={CD.green} big />
Rate
{ if (!override && !lockLive) { setManualRate(num(pricing.deskRate)); setOverride(true); } }} onChange={e => { setLock(null); setOverride(true); setManualRate(e.target.value); }} inputMode="decimal" title="Type to hand-price this deal" className="w-full text-sm px-2.5 py-2 outline-none text-right bg-transparent" style={{ fontVariantNumeric: 'tabular-nums', color: CD.ink, cursor: 'text' }} />{lockLive && !override && {lockClock}}
Fee (CAD) setFee(e.target.value)} inputMode="decimal" placeholder="0.00" className="w-full text-sm px-2.5 py-2 outline-none text-right" style={{ ...inSty, fontVariantNumeric: 'tabular-nums' }} />
{!tq ? : Priced by {tq.ref}}
)} {/* Texts hold redemption — pops in from the Text quote button, or when hand-pricing */} {isExchange && tq && (
{tq.ref} · {tq.name || tq.phone}{tq.name ? ' · ' + tq.phone : ''}
{tq.held ? (lockLive ? `Held rate applied — ${num(tq.amount)} ${tq.ccy} at the texted price. Posting marks it collected in Texts.` : 'The hold just expired — repriced at today’s board.') : 'Order pickup — today’s board rate applies. Posting marks it collected in Texts.'}
)} {isExchange && !tq && tqOpen && (
The customer has a texted quote. They asked your website for a rate and got it by SMS with a ref like TQ-1044. Enter it — their held rate, amounts and name fill in, and posting marks it collected.
{ setTqIn(e.target.value); setTqErr(''); }} onKeyDown={e => { if (e.key === 'Enter') applyTq(); }} placeholder="TQ-1044" className="text-[12.5px] px-2.5 py-1.5 outline-none flex-none" style={{ border: `1px solid ${tqErr ? CD.flag : CD.line}`, borderRadius: 7, fontFamily: 'Space Mono, monospace', width: 120, background: 'var(--cd-panel)', letterSpacing: '0.03em' }} /> {tqErr || 'Any format works — the last digits are enough.'}
)} {/* ---------------- REMITTANCE — SEND ---------------- */} {isSend && (
Send to
Pays out in {dest.ccy}
Beneficiary name setBenName(e.target.value)} placeholder="Who receives the money" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Customer pays (CAD)
1 CAD = {num(rateN)} {payoutCcy}
{benName || 'Beneficiary'} receives
Fee (CAD) setFee(e.target.value)} inputMode="decimal" placeholder="0.00" className="w-full text-sm px-2.5 py-2 outline-none text-right" style={{ ...inSty, fontVariantNumeric: 'tabular-nums' }} />
Purpose setPurpose(e.target.value)} placeholder="Family support, etc." className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
{onOpenCheques == null && null}
Need partner routing, tracking PIN & settlement? Use the Transfers desk — this is the quick over-the-counter record.
)} {/* ---------------- REMITTANCE — RECEIVE ---------------- */} {isReceive && (
Transfer / tracking reference setRecvRef(e.target.value)} placeholder="MTCN or partner reference" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Pay recipient
Fee (CAD) setFee(e.target.value)} inputMode="decimal" placeholder="0.00" className="w-full text-sm px-2.5 py-2 outline-none text-right" style={{ ...inSty, fontVariantNumeric: 'tabular-nums' }} />
)} {/* ---------------- CHEQUE ---------------- */} {isCheque && (
Cheque type
{chequeSched.map(t => { const on = chequeTypeId === t.id; return ; })}
Cheque amount
Cheque number setChequeNumber(e.target.value)} placeholder="e.g. 004821" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Drawee bank setDraweeBank(e.target.value)} placeholder="e.g. RBC" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Maker (who wrote it) setMaker(e.target.value)} placeholder="Payer name / business" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
{/* image scan + endorsement — everything the clearing desk needs to follow up */}
Cheque image setChequeImage(null)} title="Photograph the cheque" />
Endorsement
{amtN > 0 ? <>Front {fmt(out.amt, 'CAD')} · keep {fmt(chequeFee, 'CAD')}{(chequeType.holdDays || 0) > 0 && _K ? <> · holds to {_K.addDays(TODAY, chequeType.holdDays)} : ' · no hold'} : 'Enter the cheque amount'}
)} {/* ---------------- MONEY ORDER ---------------- */} {isMO && (
Payee setPayee(e.target.value)} placeholder="Who the money order is for" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Face amount
Fee (CAD) setFee(e.target.value)} inputMode="decimal" placeholder="0.00" className="w-full text-sm px-2.5 py-2 outline-none text-right" style={{ ...inSty, fontVariantNumeric: 'tabular-nums' }} />
{amtN > 0 &&
Customer pays {fmt(amtN + feeN, 'CAD')} for a {fmt(amtN, 'CAD')} money order.
}
)} {/* ---------------- BILL PAYMENT ---------------- */} {isBill && (
Biller setBiller(e.target.value)} placeholder="e.g. Toronto Hydro" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Account number setAccount(e.target.value)} placeholder="Biller account #" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
Amount
Fee (CAD) setFee(e.target.value)} inputMode="decimal" placeholder="0.00" className="w-full text-sm px-2.5 py-2 outline-none text-right" style={{ ...inSty, fontVariantNumeric: 'tabular-nums' }} />
{amtN > 0 &&
Customer pays {fmt(amtN + feeN, 'CAD')} — {fmt(amtN, 'CAD')} to biller, {fmt(feeN, 'CAD')} fee.
}
)} {/* reportable capture — shown for every type at/over the line */} {single && (
Reportable — capture for the {regime.largeCode}
This deal is ≥ {limit.label}. Capture now while the customer is here — it pre-fills the filing.
Purpose of transaction setPurpose(e.target.value)} placeholder="e.g. vacation funds, invoice settlement" className="w-full text-sm px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: purpose.trim() ? CD.line : CD.flag }} />
Source of funds setCap(s => ({ ...s, source: e.target.value }))} placeholder="e.g. employment income, savings" className="w-full text-sm px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: cap.source.trim() ? CD.line : CD.flag }} />
Acting for someone else?
{[['no', 'No'], ['yes', 'Yes']].map(([v, l], i) => { const on = (cap.thirdParty ? 'yes' : 'no') === v; return ; })}
{cap.thirdParty && setCap(s => ({ ...s, thirdPartyName: e.target.value }))} placeholder="Name of that person / entity" className="flex-1 min-w-0 text-sm px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: cap.thirdPartyName.trim() ? CD.line : CD.flag }} />}
)} {serverBacked && isExchange && !single && (
Authoritative ledger record
Required for server posting and the permanent audit trail.
Purpose of transaction setPurpose(e.target.value)} placeholder="e.g. vacation funds, invoice settlement" className="w-full text-sm px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: purpose.trim() ? CD.line : CD.flag }} />
Source of funds setCap(s => ({ ...s, source: e.target.value }))} placeholder="e.g. employment income, savings" className="w-full text-sm px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: cap.source.trim() ? CD.line : CD.flag }} />
)} {/* below-floor margin override */} {needOverride && (
Below your {mFloor}% floor{spreadCadLive < 0 ? ' — losing on the rate' : ''}.
{marginAck && setMarginReason(e.target.value)} placeholder="Reason — regular client, price match, volume…" className="w-full text-[12.5px] px-2.5 py-2 outline-none" style={{ ...inSty, borderColor: marginReason.trim() ? CD.line : CD.flag }} />}
)} {/* note */}
Note (optional) setMemo(e.target.value)} placeholder="Anything worth keeping on the record…" className="w-full text-sm px-2.5 py-2 outline-none" style={inSty} />
{/* RIGHT — ticket + checklist */}
{/* deal ticket */}
{meta.short}
{isExchange ? 'Customer gives' : isCheque ? 'Cheque face' : isReceive ? 'Pay out' : 'Customer pays'}
{amtN > 0 ? num(isExchange || isCheque || isReceive ? amtN : amtN + feeN) : '0'} {isExchange ? inCcy : isReceive ? out.ccy : 'CAD'}
{(isExchange || isSend || isCheque) &&
}
{isExchange ? 'Customer receives' : isSend ? `${benName || 'Beneficiary'} gets` : isCheque ? 'Cash out' : isReceive ? 'Recipient gets' : isMO ? 'Money order' : 'To biller'}
{out.amt ? num(out.amt) : '0'} {out.ccy}
{(isExchange || isSend) ? `1 ${isExchange ? inCcy : 'CAD'} = ${num(rateN)} ${out.ccy}` : isCheque ? `${chequeType.holdDays || 0}d hold` : 'Face value'} {isCheque ? `fee ${fmt(chequeFee, 'CAD')}` : feeN > 0 ? `fee ${fmt(feeN, 'CAD')}` : 'no fee'}
{/* margin chip (exchange/send only) */} {(isExchange || isSend) && amtN > 0 && (
= mTarget ? CD.green : CD.amber} /> MARGIN = mTarget ? CD.green : CD.amber, fontVariantNumeric: 'tabular-nums' }}>{fmt(profitCad, 'CAD')} · {marginPct.toFixed(2)}%
)} {/* the checklist */}
Before you post {allGreen ? 'READY' : `${remaining} LEFT`}
{reqs.map(r => )}
{/* compliance note */} {(single || structuring) && (
{single ? `Reportable — a ${regime.largeCode} will be required.` : `Structuring watch — ${customer}'s ${settings.structuringDays}-day total reaches ${fmt(recentTotal, 'CAD')}.`}
)}
{/* rail footer actions */}
{(isExchange || isSend) && } {/* A refusal from the ledger, wherever it came from. The exchange path has its own copy inside the branch below; this one is for the lines that post through `record` — a money order or a bill payment the server turned down, where the teller would otherwise get a button that simply did nothing. */} {serverError && !isExchange &&
Nothing was posted. {serverError}
} {serverBacked && isExchange ? <> {serverQuote &&
Frozen quote · {serverQuote.inputAmount} {serverQuote.from} → {serverQuote.outputAmount} {serverQuote.to} · expires {new Date(serverQuote.expiresAt).toLocaleTimeString('en-CA', { hour: '2-digit', minute: '2-digit', second: '2-digit' })}
} {serverError &&
{serverError}
} : }
{present && setPresent(false)} />} {addFlow && window.CDOS.KYC && React.createElement(window.CDOS.KYC.NewContactFlow, { initialName: (customer || query).trim(), by: me.name, setClients, requireId: idRequired, onClose: () => setAddFlow(false), onDone: (nm) => { setCustomer(nm); setQuery(nm); setAddFlow(false); } })} {quickChk && window.CDOS.KYC && React.createElement(window.CDOS.KYC.SendModal, { subject: customer, kind: (clients[customer] && clients[customer].kind) || 'individual', rec: clients[customer], by: me.name, initialTpl: quickChk, onClose: () => setQuickChk(null) })}
), document.body); } window.CDOS = Object.assign(window.CDOS || {}, { TxModal }); })();