nigig-org/REVIEWS/adr/0002-payment-crate-ownership.md
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fix(pay): validate money at the persistence boundary (B6)
B6 is the last unfinished P0 on the review's priority table.

## Why the boundary and not the format

The obvious reading of B6 is "change f64 to Money on disk", which is a data
migration and belongs with the SQLite move. But measuring first shows the
stored representation is not where the damage is:

- The f64 round trip is exact. 1500.0, 1500.5, 0.1+0.2, 1e20 and
  12345678.995 all write and re-read bit-identically.
- The read path is the damage. parts[2].parse().unwrap_or(0.0) turned any
  unreadable amount into a confident KSh 0 row.
- And NaN gets in. "NaN" and "inf" both parse as f64 and the writer emits
  them back verbatim, so they survive a round trip. One corrupt SMS then
  poisons every total it enters, permanently — once a NaN is in a sum,
  every comparison against that sum is false.

## What changed

validate_money refuses three classes, on parse, on load and on save:
non-finite; negative (direction lives in TransactionType, so a negative
amount is a contradiction); and beyond 2^53, where f64 can no longer
represent consecutive shillings.

A row whose amount cannot be trusted is skipped with a log line rather than
zeroed. Dropping a row is visible and recoverable by rescanning the inbox;
a silent KSh 0 is neither. balance and cost are optional context, so they
degrade to None rather than discarding the row, but can no longer be NaN.

The writer refuses to persist an invalid amount, which is what stops a
poisoned value becoming permanent.

Smaller parse fix: "Ksh ,5" used to read as 5. A separator before any digit
means the text is not the expected shape, and guessing is worse than
declining.

## The parser had no tests

parser.rs — the file deciding what every observed amount is — had zero
tests. It now has 13: validation, extraction, end-to-end parsing, and
unicode/NUL bodies that must not panic on a byte-index slice.

M-Pesa harness: 7 -> 24 tests.

## Verifying the tests can fail

validate_money was reduced to Some(value) and the harness re-run: 4 tests
failed. A guard that cannot fail is decoration.

## Validation

  mpesa harness: 24 tests                                        pass
  domain  : 137 tests --locked, fmt, clippy -D warnings, bench   pass
  storage : 36 + 41 sqlcipher --locked, fmt, clippy              pass
  platform: 56 + 64 ussd --locked, fmt, clippy, mock guard       pass
  nigig-pay-ui: cargo test --lib                                 pass (61)
  nigig-pay-ui / nigig-pay / nigig-mpesa / nigig-core: check     pass
  authorization / batch / settlement-tick guards                 pass
  defect injection: 4 tests fail with validation removed         pass

## What B6 still leaves open

MpesaTransaction::amount is still f64 on disk. That is deliberate and now
bounded: nothing untrustworthy can enter or leave the store, so the
remaining exposure is precision within the validated range, which for
whole-shilling amounts under 2^53 is none. Converting the field means
rewriting the PSV format and migrating existing files. ADR 0002 records B6
as partially addressed with the migration deferred to the SQLite move.
2026-07-29 04:48:50 +00:00

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Markdown

# ADR 0002: Canonical ownership of the payment path
- **Status:** Accepted
- **Date:** 2026-07-27
- **Review item:** 1.3, 1.4 (Phase 1, `NIGIG_PAY_CONSOLIDATED_REVIEW.md`)
- **Related:** ADR 0001
## Context
Review item A5 described a "fork farm": three copies each of the SMS parser,
the transaction store, the pending store and the payment flow handler, spread
across `nigig-core`, `nigig-pay`, `nigig-pay-ui` and `nigig-mpesa`. The stated
consequence was semantic drift — one caller writing a record another never
reads.
That table is now **stale**. Re-verified at this commit:
| Component | Copies the review claimed | Copies today | Location |
|---|---|---|---|
| `parser.rs` (M-Pesa SMS) | 3 | **1** | `nigig-core/src/persistence/mpesa/` |
| `store.rs` | 3 | **1** | `nigig-core/src/persistence/mpesa/` |
| `pending_store.rs` | 3+ | **1** | `nigig-core/src/persistence/mpesa/` |
| `pay_flow_handler.rs` | 3 | **1** | `nigig-pay-ui/src/pay_flow/` |
| `classifier.rs` | — | **1** | `nigig-core/src/persistence/mpesa/` |
(The second `parser.rs` in the tree belongs to `pdf-cos` and is unrelated.)
The duplicates were collapsed by earlier upstream work. What remains is not
de-duplication but **ownership**: saying which crate owns which concern, and
making that boundary machine-checked so the fork farm cannot regrow.
## Decision
The payment path has four layers, with strictly one-way dependencies:
```
nigig-pay-domain pure types, state machine, validation, evidence,
reconciliation, fee policy. No I/O, no platform, no UI.
nigig-pay-storage SQLite repositories, migrations, audit trail, encryption
at rest. Depends on domain only.
nigig-pay-platform (not yet created) trait implementations for Android:
gateway, biometrics, SMS source, key provider.
nigig-pay-ui Makepad widgets. Presentation only. Owns no transaction
nigig-pay state and calls no platform API directly.
```
Rules:
1. **`nigig-pay-domain` is the only owner of payment semantics.** Money
arithmetic, state transitions, validation, fee policy, evidence handling
and reconciliation live here and nowhere else.
2. **`nigig-pay-storage` is the only owner of payment persistence.** No other
crate may open a payment database or write a payment record.
3. **Neither may depend on a UI framework.** Enforced in CI by a Makepad
import check and by `deny.toml`, which bans the `makepad-*` crates from the
dependency graph outright.
4. **`nigig-core`'s `persistence/mpesa/` remains the tracker-side owner** of
observed M-Pesa history — the parser, classifier and history store. It is
the *observation* path, not the *payment* path, which is consistent with
ADR 0001. It must not grow payment-initiation logic.
5. **`nigig-pay-ui` owns presentation only.** Its surviving
`pay_flow_handler.rs` thread-local is scheduled for replacement by
`PaymentCoordinator` under Phase 6.
## Known violations, deliberately not yet fixed
These are recorded rather than silently tolerated. All live in
`nigig-core/src/persistence/mpesa/`, which is currently commented out of the
workspace as broken (`depends on robius-directories`), so changes there cannot
be compiled or tested in a standalone checkout.
- **B6 — `f64` money.** Nine `f64` sites in the observation path, including
`MpesaTransaction::amount`. Must migrate to `nigig_pay_domain::Money`.
*Partially addressed.* The UI accumulators now use exact `PeriodSummary`
arithmetic, and the persistence boundary validates: a non-finite, negative
or beyond-`2^53` amount is refused on parse, on load and on save, rather
than becoming a silent `KSh 0` or a `NaN` that poisons every total it
enters. What remains is the stored representation itself, which is a data
migration and belongs with the SQLite move.
- **B1 — classification discarded.** `store.rs` parses `category`,
`sub_category`, `status` and `confidence` from disk and then overwrites them
with `Default::default()`, so every user categorisation is lost on reload.
- **B4 — lossy PSV escaping.** `clean`/`restore` are not bijective:
`"JOHN~DOE"` round-trips to `"JOHN|DOE"`.
Each is a one-file fix, blocked only on `nigig-core` becoming buildable.
## Consequences
- New payment logic has exactly one correct home, and a reviewer can point at
this ADR when it appears elsewhere.
- The domain/UI boundary is enforced by tooling, not convention, so it cannot
erode quietly.
- The observation path keeps its own types for now. Unifying it with `Money`
is tracked as B6 rather than pretended to be done.