Merchant External Accounts

{
  name: 'Chile Settlement Account',
  kind: 'BANK',
  countrySymbol: 'CL',
  currencySymbol: 'CLP',
  entity: 'BANCO_CHILE',          // Required: BANCO_CHILE, BCI, SANTANDER_CHILE, etc.
  accountNumber: '12345678',      // Required
  isDefault: true,
  isVirtual: false
}

{
  name: 'Colombia Settlement Account',
  kind: 'BANK',
  countrySymbol: 'CO',
  currencySymbol: 'COP',
  entity: 'BANCOLOMBIA',          // Required: BANCOLOMBIA, DAVIVIENDA, BOGOTA, etc.
  accountNumber: '1234567890',    // Required
  type: 'CHECKING',               // Required: 'CHECKING' or 'SAVINGS'
  rail: 'BANK',                   // Optional: states accountNumber is a bank account, not a Bre-B key
  isDefault: true,
  isVirtual: false
}

{
  name: 'Brazil Settlement Account',
  kind: 'BANK',
  countrySymbol: 'BR',
  currencySymbol: 'BRL',
  accountNumber: '12345-6',       // Required (OR pixKey)
  // entity: '001'                // Optional (deduced from accountNumber)
  isDefault: true,
  isVirtual: false
}

{
  name: 'Mexico Settlement Account',
  kind: 'BANK',
  countrySymbol: 'MX',
  currencySymbol: 'MXN',
  accountNumber: '012345678901234567',  // Required: CLABE (18 digits)
  // entity: 'BBVA_MEXICO'              // Optional (deduced from accountNumber)
  isDefault: true,
  isVirtual: false
}

{
  name: 'Argentina Settlement Account',
  kind: 'BANK',
  countrySymbol: 'AR',
  currencySymbol: 'ARS',
  accountNumber: '0123456789012345678901',  // Required: CVU or CBU or alias
  // entity: 'BANCO_NACION'                 // Optional (deduced from accountNumber)
  isDefault: true,
  isVirtual: false
}

{
  name: 'Peru Settlement Account',
  kind: 'BANK',
  countrySymbol: 'PE',
  currencySymbol: 'PEN',
  accountNumber: '01234567890123456789',  // Required: CCI format
  // entity: 'BCP'                        // Optional (deduced from accountNumber)
  isDefault: true,
  isVirtual: false
}

{
  name: 'Bolivia Settlement Account',
  kind: 'BANK',
  countrySymbol: 'BO',
  currencySymbol: 'BOB',
  accountNumber: '1234567890',  // Required
  // entity: 'BNB'              // Optional (deduced from accountNumber)
  isDefault: true,
  isVirtual: false
}

{
  name: 'US Settlement Account',
  kind: 'BANK',
  countrySymbol: 'US',
  currencySymbol: 'USD',
  accountNumber: '123456789',      // Required
  routingNumber: '021000021',      // Required
  // entity: 'CHASE'               // Optional (deduced from routingNumber)
  isDefault: true,
  isVirtual: false
}

async function getMerchantBankAccounts(token, orgId, merchantId) {
  const response = await axios.get(
    `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts`,
    {
      params: { kind: 'BANK' },  // Filter for bank accounts only
      headers: { 'Authorization': `Bearer ${token}` }
    }
  );
  
  console.log('External bank accounts:');
  response.data.forEach(account => {
    console.log(`- ${account.currencySymbol}: ${account.entity} ****${account.accountNumber.slice(-4)}`);
    console.log(`  Default: ${account.isDefault}, Status: ${account.status}`);
  });
  
  return response.data;
}
 
const accounts = await getMerchantBankAccounts(token, orgId, merchantId);

async function getExternalWallets(token, orgId, merchantId) {
  const response = await axios.get(
    `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts`,
    {
      params: { kind: 'CRYPTO' },  // Filter for crypto wallets only
      headers: { 'Authorization': `Bearer ${token}` }
    }
  );
  
  console.log('External crypto wallets:');
  response.data.forEach(wallet => {
    console.log(`- ${wallet.currencySymbol} (${wallet.network})`);
    console.log(`  Address: ${wallet.address}`);
    console.log(`  Default: ${wallet.isDefault}, Status: ${wallet.status}`);
  });
  
  return response.data;
}
 
const wallets = await getExternalWallets(token, orgId, merchantId);

// 1. Get quote
const quote = await axios.post(
  `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/quotes`,
  {
    orderType: 'ONRAMP',
    executable: true,
    originCurrencySymbol: 'COP',
    destinationCurrencySymbol: 'USDC',
    amountIn: 1000000,  // 1M COP
    network: 'ETHEREUM'  // Required for ONRAMP/OFFRAMP
  },
  { headers: { 'Authorization': `Bearer ${token}` } }
);
 
// 2. Create deal with external wallet as destination
const deal = await axios.post(
  `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/deals`,
  {
    destinationAccountId: usdcWallet.id,  // Your external wallet ID
    quoteId: quote.data.id
  },
  { headers: { 'Authorization': `Bearer ${token}` } }
);
 
console.log('ONRAMP deal created');
console.log('Crypto will be sent to:', usdcWallet.address);
console.log('Network:', usdcWallet.network);

async function withdrawToExternalBank(token, orgId, merchantId, withdrawalData) {
  // Check virtual account balance first
  const balances = await axios.get(
    `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts/balances`,
    { headers: { 'Authorization': `Bearer ${token}` } }
  );
  
  const copBalance = balances.data.find(b => b.currencySymbol === 'COP');
  
  if (copBalance.availableBalance < withdrawalData.amount) {
    throw new Error('Insufficient balance for withdrawal');
  }
  
  // Create withdrawal order
  const withdrawal = await axios.post(
    `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/withdrawals`,
    {
      currency: 'COP',
      amount: withdrawalData.amount,
      destinationAccountId: withdrawalData.bankAccountId,  // Your external bank account
      description: 'Withdrawal to company account'
    },
    { headers: { 'Authorization': `Bearer ${token}` } }
  );
  
  console.log('Withdrawal initiated:', withdrawal.data.id);
  console.log('Amount:', withdrawal.data.amount, 'COP');
  console.log('Status:', withdrawal.data.status); // "PROCESSING"
  console.log('ETA:', withdrawal.data.estimatedSettlement);
  
  return withdrawal.data;
}
 
const withdrawal = await withdrawToExternalBank(token, orgId, merchantId, {
  amount: 5000000,  // 5M COP
  bankAccountId: bankAccount.id
});

// Setup external bank accounts for each currency
const copAccount = await axios.post(
  `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts`,
  {
    name: 'Bancolombia COP',
    kind: 'BANK',
    isDefault: true,
    countrySymbol: 'CO',
    currencySymbol: 'COP',
    entity: 'BANCOLOMBIA',
    accountNumber: '1234567890',
    type: 'CHECKING'
  },
  { headers: { 'Authorization': `Bearer ${token}` } }
);
 
const brlAccount = await axios.post(
  `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts`,
  {
    name: 'Brazil BRL',
    kind: 'BANK',
    isDefault: false,
    countrySymbol: 'BR',
    currencySymbol: 'BRL',
    accountNumber: '12345-6'  // Bank deduced automatically
  },
  { headers: { 'Authorization': `Bearer ${token}` } }
);
 
const mxnAccount = await axios.post(
  `https://api-sandbox.koywe.com/api/v1/organizations/${orgId}/merchants/${merchantId}/accounts`,
  {
    name: 'Mexico MXN',
    kind: 'BANK',
    isDefault: false,
    countrySymbol: 'MX',
    currencySymbol: 'MXN',
    accountNumber: '012345678901234567'  // CLABE - bank deduced
  },
  { headers: { 'Authorization': `Bearer ${token}` } }
);
 
console.log('Multi-currency external accounts configured');
console.log('All accounts auto-linked to merchant business information');

// USDC on multiple networks
const usdcEthereum = await addExternalCryptoWallet(token, orgId, merchantId, {
  name: 'USDC - Ethereum Main',
  currency: 'USDC',
  network: 'ETHEREUM',
  address: '0x...',
  isDefault: true
});
 
const usdcPolygon = await addExternalCryptoWallet(token, orgId, merchantId, {
  name: 'USDC - Polygon Low Fees',
  currency: 'USDC',
  network: 'POLYGON',
  address: '0x...',
  isDefault: false
});
 
// Different stablecoins
const usdtTron = await addExternalCryptoWallet(token, orgId, merchantId, {
  name: 'USDT - Tron',
  currency: 'USDT',
  network: 'TRON',
  address: 'T...',
  isDefault: false
});
 
console.log('Multi-network external wallets configured');