demo(payments): add a rolling spend budget to the policy guard - #187
demo(payments): add a rolling spend budget to the policy guard#187mehmetkr-31 wants to merge 1 commit into
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A per-transaction cap is trivially defeated by splitting one payment into many smaller ones (`cap × N`), which the README already noted. This adds the cumulative half: one map of amounts keyed by currency, one window check. `PaymentPolicy` gains an optional `budget`, in the same per-currency subunits as `maxAutonomousAmount`. `evaluateSpendBudget` runs on top of `evaluatePaymentPolicy`, so a payment denied by the cap or the allowlist never consumes the window. `evaluatePaymentPolicy` keeps its signature, behaviour and reasons; the amount parsing and per-currency lookup are extracted into two helpers shared by both. The Payment Service reads the window before returning a payment URL and charges it when the callback settles, so one payment is counted once without tracking per-execution state. The read and the write are a single synchronous step: the handler awaits before policy runs, so a guard that read the total and then wrote it would let two concurrent payments both see the pre-payment total. The README replaces the "not a real spend control" warning with what this still leaves out: in-memory storage, a single instance, denying rather than escalating to a human, and a callback that settles after the card is captured. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>
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WalkthroughChangesPayment budget enforcement
Estimated code review effort: 3 (Moderate) | ~25 minutes Merge Risk: 🟠 High · up to The rolling budget is checked before a payment URL is issued but charged only after settlement, allowing multiple payments started in parallel to exceed the configured spending limit. Callback retries can also count the same payment more than once. This security-control gap should be fixed before merging. Suggested reviewers: 🚥 Pre-merge checks | ✅ 4 | ❌ 1❌ Failed checks (1 warning)
✅ Passed checks (4 passed)
Full details: Docstring CoverageExplanation Docstring coverage is 71.43% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 7 functions across 3 files. (1 skipped: 1 unsupported.)
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Inline comments:
In `@demos/payments/src/payment-service.ts`:
- Line 101: Update the payment URL flow around enforcePaymentPolicy and
getTrustedRecipients to reserve the execution-keyed budget before issuing each
payment URL, then settle or release that reservation idempotently after card
capture succeeds or fails. Preserve the existing policy validation while
ensuring concurrent payment URLs cannot exceed the rolling budget.
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📒 Files selected for processing (4)
demos/payments/README.mddemos/payments/src/payment-policy.test.tsdemos/payments/src/payment-policy.tsdemos/payments/src/payment-service.ts
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Summary
The ~100 line version of #139, per the suggestion when that PR was closed: one map, one window check.
A per-transaction cap is trivially defeated by splitting one payment into many smaller ones (
cap × N), which the demo README already said in its own words. This closes that gap with the smallest thing that shows where the control belongs, and nothing more.Everything stays inside
demos/payments. No new file, no package, schema, or protocol change, no new dependency.What #139 had, and what this drops
spend-ledger.ts, 194 linespayment-policy.tsMapof amounts keyed by currencyWhat changed
payment-policy.ts—PaymentPolicygains an optionalbudget: { windowMs, maxWindowAmount }, in the same per-currency subunit shape as the existingmaxAutonomousAmount.evaluateSpendBudget()runs on top ofevaluatePaymentPolicy, so a payment denied by the per-transaction cap or the allowlist never consumes the window.evaluatePaymentPolicykeeps its exact signature, behaviour and reasons; the amount parsing and the per-currency lookup are extracted into two helpers now shared by both.payment-service.ts— the payment-URL handler reads the window without charging it, and the callback charges it, because that is where the payment settles. That is how one payment is counted once without tracking any per-execution state:The read and the write are one synchronous step. The handler awaits before policy runs, so a guard that read the total and then wrote it would let two concurrent payments both observe the pre-payment total and both pass. That is the one thing from #139 worth keeping, and it is four lines.
README.md— replaces the "not a real spend control" warning with what is still missing: in-memory storage, a single instance, denying rather than escalating to a human, the demo's single autonomous payer, and a callback that settles after the card is captured.Verification
Six new tests: the split attack (three payments at the cap approved, the fourth denied), the denied amount not being recorded, the read-only check not charging the budget, window expiry, per-currency isolation, and the no-budget-configured path.
I did not run the three services over HTTP for this one. The behaviour that needed live verification in #139 was the two-phase reservation lifecycle, and that is what this removes.
AI Usage Disclosure
This contribution was AI-assisted using Claude Code (Opus), used for navigating the closed PR's review discussion, drafting the reduced version and its tests, and running verification. I reviewed the final diff, understand why the budget is charged at the callback rather than at initiation and what that trades away, and take responsibility for the submitted changes.
Summary by CodeRabbit
New Features
Documentation