finance-duck/internal/app/banking_settings.go

package app

import (
	"bytes"
	"context"
	"crypto/sha256"
	"encoding/hex"
	"encoding/json"
	"errors"
	"io"
	"os"
	"path/filepath"

	"finance-duck/internal/banking"
	"finance-duck/internal/domain"
)

// Scope binds operational sessions to an application generation. It is committed
// with credentials, so a crash before saving sync-state cannot revive old sessions.
type bankingSettings struct {
	AppID       string `json:"app_id"`
	RedirectURL string `json:"redirect_url"`
	PrivateKey  string `json:"private_key"`
	Disabled    bool   `json:"disabled"`
	Scope       string `json:"scope"`
}

func (a *App) clearBankingSessions(scope string) {
	a.ops.Sessions = nil
	a.ops.Consents = make(map[string]Consent)
	a.ops.AccountSync = make(map[string]string)
	a.ops.LastSync = ""
	a.ops.SyncError = ""
	a.ops.BankingScope = scope
}

func (a *App) loadBankingSettings() error {
	path := filepath.Join(a.dir, "state", "enablebanking.json")
	f, err := os.Open(path)
	var cfg bankingSettings
	var provider *banking.EnableBanking
	fromEnvironment := os.IsNotExist(err)
	if fromEnvironment {
		cfg.AppID = os.Getenv("ENABLEBANKING_APP_ID")
		cfg.RedirectURL = os.Getenv("ENABLEBANKING_REDIRECT_URL")
		keyFile := os.Getenv("ENABLEBANKING_KEY_FILE")
		cfg.Disabled = cfg.AppID == "" && cfg.RedirectURL == "" && keyFile == ""
		if !cfg.Disabled {
			if cfg.AppID == "" || cfg.RedirectURL == "" || keyFile == "" {
				return errors.New("Enable Banking requires APP_ID, KEY_FILE and REDIRECT_URL environment variables")
			}
			key, e := os.Open(keyFile)
			if e != nil {
				return errors.New("cannot read Enable Banking private key")
			}
			b, e := io.ReadAll(io.LimitReader(key, banking.MaxPrivateKeyPEM+1))
			key.Close()
			if e != nil {
				return errors.New("cannot read Enable Banking private key")
			}
			cfg.PrivateKey = string(b)
		}
		// A stable environment identity detects app-ID changes on restart while
		// retaining sessions through key or callback rotation of the same app.
		hash := sha256.Sum256([]byte(cfg.AppID))
		cfg.Scope = "env_" + hex.EncodeToString(hash[:])
	} else {
		if err != nil {
			return errors.New("cannot read saved Enable Banking settings")
		}
		defer f.Close()
		const limit = 256 * 1024 // Allows JSON escaping of a maximum-size PEM.
		b, e := io.ReadAll(io.LimitReader(f, limit+1))
		invalid := errors.New("invalid saved Enable Banking settings")
		if e != nil || len(b) > limit {
			return invalid
		}
		decoder := json.NewDecoder(bytes.NewReader(b))
		if token, e := decoder.Token(); e != nil || token != json.Delim('{') {
			return invalid
		}
		seen := make(map[string]bool, 5)
		for decoder.More() {
			token, e := decoder.Token()
			name, ok := token.(string)
			if e != nil || !ok || seen[name] {
				return invalid
			}
			seen[name] = true
			value, e := decoder.Token()
			if e != nil {
				return invalid
			}
			if name == "disabled" {
				cfg.Disabled, ok = value.(bool)
			} else {
				var text string
				text, ok = value.(string)
				switch name {
				case "app_id":
					cfg.AppID = text
				case "redirect_url":
					cfg.RedirectURL = text
				case "private_key":
					cfg.PrivateKey = text
				case "scope":
					cfg.Scope = text
				default:
					return invalid
				}
			}
			if !ok {
				return invalid
			}
		}
		if token, e := decoder.Token(); e != nil || token != json.Delim('}') {
			return invalid
		}
		if _, e := decoder.Token(); e != io.EOF || len(seen) != 5 || cfg.Scope == "" || len(cfg.Scope) > 256 {
			return invalid
		}
		if cfg.Disabled && (cfg.AppID != "" || cfg.RedirectURL != "" || cfg.PrivateKey != "") {
			return invalid
		}
	}
	if !cfg.Disabled {
		provider, err = banking.NewEnableBanking(cfg.AppID, []byte(cfg.PrivateKey), cfg.RedirectURL)
		if err != nil {
			return errors.New("invalid Enable Banking settings")
		}
	}
	if a.ops.BankingScope != cfg.Scope {
		if a.ops.BankingScope == "" && fromEnvironment && !cfg.Disabled {
			// Legacy sessions predate Settings and belong to the validated env app.
			a.ops.BankingScope = cfg.Scope
		} else {
			a.clearBankingSessions(cfg.Scope)
		}
		// Fail closed if legacy binding or mismatch invalidation cannot persist.
		if err = a.saveOps(); err != nil {
			return errors.New("cannot bind Enable Banking sessions")
		}
	}
	a.bankingSettings = cfg
	a.callbackURL = cfg.RedirectURL
	if provider != nil {
		a.bank = provider
	}
	return nil
}

func (a *App) SaveBankingSettings(ctx context.Context, appID string, privateKey *string, redirectURL string) (State, error) {
	a.mu.Lock()
	defer a.mu.Unlock()
	key := ""
	if privateKey != nil {
		key = *privateKey
	} else if !a.bankingSettings.Disabled && appID == a.bankingSettings.AppID {
		key = a.bankingSettings.PrivateKey
	}
	if key == "" {
		return State{}, errors.New("an Enable Banking private key is required for this application")
	}
	provider, err := banking.NewEnableBanking(appID, []byte(key), redirectURL)
	if err != nil {
		return State{}, err
	}
	cfg := bankingSettings{AppID: appID, PrivateKey: key, RedirectURL: redirectURL, Scope: a.bankingSettings.Scope}
	if a.bankingSettings.Disabled || appID != a.bankingSettings.AppID || cfg.Scope == "" {
		cfg.Scope = domain.NewID("bank")
	}
	return a.persistBankingSettings(ctx, cfg, provider)
}

func (a *App) RemoveBankingSettings(ctx context.Context) (State, error) {
	a.mu.Lock()
	defer a.mu.Unlock()
	return a.persistBankingSettings(ctx, bankingSettings{Disabled: true, Scope: domain.NewID("bank")}, nil)
}

// Caller holds mu. Only the credential file must commit: an older sync-state
// remains unusable because its scope differs. The next operational save or Open
// writes the cleared sessions, without a fallible two-file transaction here.
func (a *App) persistBankingSettings(ctx context.Context, cfg bankingSettings, provider *banking.EnableBanking) (State, error) {
	b, err := json.MarshalIndent(cfg, "", "  ")
	if err != nil {
		return State{}, errors.New("cannot encode Enable Banking settings")
	}
	if err = atomicFile(filepath.Join(a.dir, "state", "enablebanking.json"), append(b, '\n')); err != nil {
		return State{}, errors.New("cannot save Enable Banking settings")
	}
	if cfg.Scope != a.ops.BankingScope {
		a.clearBankingSessions(cfg.Scope)
	}
	a.authStates = make(map[string]authorization)
	a.bankingSettings = cfg
	a.callbackURL = cfg.RedirectURL
	a.bank = nil
	if provider != nil {
		a.bank = provider
	}
	return a.snapshot(ctx)
}