packages/b2b-credit/
├── src/
│   ├── types.ts            # DealerRecord, InvoiceRecord, CreditEvaluationResult, AgingBucket
│   ├── credit-lockout.ts   # evaluateCreditLimit, isOrderAllowed, assertCreditLimit, CreditLockoutError
│   ├── aging-schedule.ts   # classifyInvoiceAging, calculateAgingSchedule, calculateDealerAging
│   ├── tiered-pricing.ts   # calculateLineItemPricing, calculateOrderPricing, convertToThungEquivalent
│   ├── soa-generator.ts    # generateK80SoaText, generateK80SoaHtml, generateFormalSoaHtml, buildVietQrUrl
│   └── index.ts            # SSoT Barrel Export

import {
  evaluateCreditLimit,
  calculateDealerAging,
  calculateOrderPricing,
  generateK80SoaText,
  buildVietQrUrl,
  DEFAULT_B2B_BANK,
  type DealerRecord,
  type InvoiceRecord,
  type PricingLineItemInput,
} from '@kido/b2b-credit';

// 1. Define Distributor Profile
const dealer: DealerRecord = {
  id: 'dealer-dn-001',
  code: 'DL-MIENTRUNG-01',
  name: 'Tổng Đại Lý Phân Phối Đà Nẵng',
  tier: 'GOLD',
  creditLimit: 500_000_000, // 500M VND Credit Ceiling
  paymentTermDays: 30,      // Net-30 Terms
  gracePeriodDays: 5,       // 5 Days Grace Period before Hard Lock
  isActive: true,
};

// 2. Define Outstanding Ledger Invoices
const today = new Date('2026-11-20T00:00:00Z');
const invoices: InvoiceRecord[] = [
  {
    id: 'inv-101',
    invoiceNumber: 'HD-2026-089',
    dealerId: dealer.id,
    amount: 150_000_000,
    paidAmount: 50_000_000,
    remainingAmount: 100_000_000,
    issueDate: new Date('2026-10-01T00:00:00Z'),
    dueDate: new Date('2026-10-31T00:00:00Z'), // 20 days overdue (D30 bucket)
    status: 'PARTIALLY_PAID',
  },
  {
    id: 'inv-102',
    invoiceNumber: 'HD-2026-112',
    dealerId: dealer.id,
    amount: 120_000_000,
    paidAmount: 0,
    remainingAmount: 120_000_000,
    issueDate: new Date('2026-11-05T00:00:00Z'),
    dueDate: new Date('2026-12-05T00:00:00Z'), // Not overdue (D0 bucket)
    status: 'ISSUED',
  },
];

// 3. Compute Debt Aging Schedule & Loss Provisions
const agingSummary = calculateDealerAging(dealer, invoices, today);
console.log('Aging Summary:', {
  totalOutstanding: `${agingSummary.totalOutstanding.toLocaleString()}₫`, // 220,000,000₫
  totalOverdue: `${agingSummary.totalOverdue.toLocaleString()}₫`,         // 100,000,000₫
  maxOverdueDays: agingSummary.maxOverdueDays,                           // 20 days
  badDebtProvision: `${agingSummary.totalProvisionAmount.toLocaleString()}₫`, // 5% of 100M = 5,000,000₫
});

// 4. Sales Rep attempts to create a new 150M VND wholesale order
const newOrderAmount = 150_000_000;
const creditEvaluation = evaluateCreditLimit({
  dealer,
  currentOutstanding: agingSummary.totalOutstanding,
  oldestOverdueDate: new Date('2026-10-31T00:00:00Z'),
  newOrderAmount,
  asOfDate: today,
});

console.log('Credit Evaluation Decision:', {
  status: creditEvaluation.status,               // 'SOFT_LOCKED' (Exceeds grace period or balance)
  allowed: creditEvaluation.status === 'APPROVED',
  availableCredit: `${creditEvaluation.availableCredit.toLocaleString()}₫`, // 280,000,000₫
  reason: creditEvaluation.reasonMessage,
});

// 5. Generate Instant K80 Thermal Receipt SOA with VietQR
const qrUrl = buildVietQrUrl(
  DEFAULT_B2B_BANK,
  agingSummary.totalOverdue,
  `TT CONG NO ${dealer.code}`
);

const k80Text = generateK80SoaText(dealer, invoices, agingSummary, DEFAULT_B2B_BANK);
console.log('K80 Thermal Statement:\n' + k80Text);
console.log('VietQR Scan URL:', qrUrl);