{
  "openapi": "3.1.0",
  "info": {
    "title": "Furlpay Core API",
    "version": "0.1.0",
    "description": "The Stripe + Coinbase of stablecoins & fractional investing. All endpoints run in sandbox/mock mode by default.",
    "contact": { "name": "Furlpay Developers", "url": "https://furlpay.app/developer" }
  },
  "servers": [
    { "url": "http://localhost:3000", "description": "Local sandbox" },
    { "url": "https://api.furlpay.app", "description": "Production" }
  ],
  "security": [{ "bearerAuth": [] }],
  "tags": [
    { "name": "Auth" }, { "name": "Wallets" }, { "name": "Banking" },
    { "name": "Cards" }, { "name": "Investing" }, { "name": "Swaps" },
    { "name": "Compliance" }, { "name": "Webhooks" }
  ],
  "paths": {
    "/api/auth/webauthn": {
      "post": {
        "tags": ["Auth"],
        "summary": "Passkey challenge / registration / login",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/WebAuthnRequest" } } } },
        "responses": { "200": { "description": "Challenge or session token" } }
      }
    },
    "/api/wallets": {
      "get": {
        "tags": ["Wallets"],
        "summary": "Get Safe balances and active modules",
        "responses": { "200": { "description": "Wallet state", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/Wallet" } } } } }
      }
    },
    "/api/wallets/transfer": {
      "post": {
        "tags": ["Wallets"],
        "summary": "Gas-sponsored L2 stablecoin transfer",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/TransferRequest" } } } },
        "responses": {
          "200": { "description": "Transaction hash" },
          "403": { "description": "Blocked by AML policy" }
        }
      }
    },
    "/api/banking": {
      "get": { "tags": ["Banking"], "summary": "List virtual accounts", "responses": { "200": { "description": "Accounts" } } },
      "post": {
        "tags": ["Banking"],
        "summary": "Provision a virtual local account",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "properties": { "currency": { "type": "string", "enum": ["USD", "EUR", "GBP", "INR"] } }, "required": ["currency"] } } } },
        "responses": { "200": { "description": "Account details" } }
      }
    },
    "/api/cards": {
      "get": { "tags": ["Cards"], "summary": "List cards", "responses": { "200": { "description": "Cards" } } },
      "patch": { "tags": ["Cards"], "summary": "Update card", "responses": { "200": { "description": "Updated card" } } }
    },
    "/api/cards/settings": {
      "post": {
        "tags": ["Cards"],
        "summary": "Real-time card controls (freeze / limits / channels / priority)",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/CardSettings" } } } },
        "responses": { "200": { "description": "Success" } }
      }
    },
    "/api/investing/order": {
      "post": {
        "tags": ["Investing"],
        "summary": "Place a fractional stock/ETF order",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/OrderRequest" } } } },
        "responses": { "200": { "description": "Order result" } }
      }
    },
    "/api/investing/portfolio": {
      "get": { "tags": ["Investing"], "summary": "Holdings, dividends & performance", "responses": { "200": { "description": "Portfolio" } } }
    },
    "/api/swaps": {
      "post": {
        "tags": ["Swaps"],
        "summary": "Cheapest cross-chain swap route (Li.Fi / 1inch)",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/SwapRequest" } } } },
        "responses": { "200": { "description": "Swap quote" } }
      }
    },
    "/api/compliance/kyc": {
      "post": { "tags": ["Compliance"], "summary": "Persona / Sumsub identity verification", "responses": { "200": { "description": "KYC result" } } }
    },
    "/api/compliance/travel-rule": {
      "post": { "tags": ["Compliance"], "summary": "FATF Travel Rule metadata (Notabene / TRUST)", "responses": { "200": { "description": "Travel Rule payload" } } }
    },
    "/api/webhooks/marqeta": {
      "post": { "tags": ["Webhooks"], "summary": "Card authorization request (JIT funding)", "responses": { "200": { "description": "Approve/decline" } } }
    },
    "/api/webhooks/bridge": {
      "post": { "tags": ["Webhooks"], "summary": "Stablecoin deposit / payout state change", "responses": { "200": { "description": "Received" } } }
    }
  },
  "components": {
    "securitySchemes": {
      "bearerAuth": { "type": "http", "scheme": "bearer", "bearerFormat": "API key" }
    },
    "schemas": {
      "WebAuthnRequest": {
        "type": "object",
        "properties": {
          "action": { "type": "string", "enum": ["register", "login"] },
          "credential": { "type": "object", "nullable": true }
        },
        "required": ["action"]
      },
      "Wallet": {
        "type": "object",
        "properties": {
          "safeAddress": { "type": "string" },
          "modules": { "type": "array", "items": { "type": "object" } },
          "balances": { "type": "array", "items": { "$ref": "#/components/schemas/Balance" } }
        }
      },
      "Balance": {
        "type": "object",
        "properties": {
          "token": { "type": "string", "enum": ["USDC", "USDT", "EURC", "PYUSD"] },
          "amount": { "type": "string" },
          "chain": { "type": "string" }
        }
      },
      "TransferRequest": {
        "type": "object",
        "properties": {
          "safeAddress": { "type": "string" },
          "destination": { "type": "string" },
          "amount": { "type": "number" },
          "token": { "type": "string" },
          "chain": { "type": "string" },
          "signature": { "type": "string" }
        },
        "required": ["destination", "amount", "signature"]
      },
      "CardSettings": {
        "type": "object",
        "properties": {
          "cardId": { "type": "string" },
          "freeze": { "type": "boolean" },
          "limits": { "type": "object", "properties": { "daily": { "type": "number" }, "perPurchase": { "type": "number" } } },
          "priority": { "type": "array", "items": { "type": "string" } }
        },
        "required": ["cardId"]
      },
      "OrderRequest": {
        "type": "object",
        "properties": {
          "symbol": { "type": "string" },
          "side": { "type": "string", "enum": ["buy", "sell"] },
          "notional": { "type": "number" },
          "type": { "type": "string", "enum": ["market", "limit"] }
        },
        "required": ["symbol", "side", "notional"]
      },
      "SwapRequest": {
        "type": "object",
        "properties": {
          "fromToken": { "type": "string" },
          "toToken": { "type": "string" },
          "fromChain": { "type": "string" },
          "toChain": { "type": "string" },
          "amountIn": { "type": "number" }
        },
        "required": ["fromToken", "toToken", "fromChain", "amountIn"]
      }
    }
  }
}