import { NextResponse } from 'next/server' import { withConnectorAuth, type ConnectorContext } from '@/lib/connect/hosted/with-connector-auth' import { getAuthorizationHeader } from '@/lib/connect/upstreams/enable-banking-jwt' import { reserveUpstream } from '@/lib/connect/hosted/upstream-budget' import { activateByPendingState, countHeldConnections, createPendingConnection, deletePendingConnectionById, findByAccountUid, findByHandle, findPendingByState, revokeByHandle, touchConnection, } from '@/lib/connect/hosted/ledger' import { signConnectorState, verifyConnectorState } from '@/lib/connect/hosted/state' /** * Enable Banking proxy for self-hosted instances (WS3 PR5). * * The instance calls this with its connector key; the proxy adds Arcim's EB * JWT and forwards to Enable Banking. The instance never holds the EB * credential; the bank session id it gets back rests on the instance. This * route is what makes that split safe: a strict path allowlist (never an open * passthrough), per-key + global rate budget on every upstream call, a * per-company connection quota checked at authorize time, and an ownership * ledger so an instance can only use sessions/accounts it obtained through its * own key. * * Consent handoff: POST /auth's redirect_url is rewritten to OUR hosted EB * callback (already registered with EB), and the upstream `state` is replaced * by a signed connector state carrying the instance's own return URL. The * hosted EB callback (app/api/extensions/enable-banking/callback) detects that * signed state and 302s the browser back to the instance with the code, so no * new redirect URI has to be registered at Enable Banking per instance. */ /** * The EB base URL must be https (http only for loopback dev): forwardToEb * sends Arcim's EB JWT in Authorization, so a plaintext override would ship * the credential unencrypted. Resolved lazily so a bad env fails the request * (500 via the wrapper), never the build. */ function ebBaseUrl(): string { const raw = ( process.env.ENABLE_BANKING_API_URL_PRODUCTION || process.env.ENABLE_BANKING_API_URL || 'https://api.enablebanking.com' ).replace(/\/+$/, '') const url = new URL(raw) const loopback = url.hostname === 'localhost' || url.hostname === '127.0.0.1' if (url.protocol !== 'https:' && !(url.protocol === 'http:' && loopback)) { throw new Error('ENABLE_BANKING_API_URL must be https: the EB JWT is sent in Authorization') } return raw } const COMPANY_HEADER = 'x-connector-company' const FETCH_TIMEOUT_MS = 30_000 function requireScope(ctx: ConnectorContext): NextResponse | null { if (ctx.key.scopes.includes('bank_sync')) return null return NextResponse.json( { error: 'This connector key does not include bank sync', code: 'CONNECTOR_SCOPE_MISSING' }, { status: 403 }, ) } function companyRef(request: Request): string | null { return request.headers.get(COMPANY_HEADER)?.trim() || null } async function budgetOr429(ctx: ConnectorContext): Promise { const budget = await reserveUpstream(ctx.supabase, 'bank') if (budget.ok) return null ctx.log.warn('bank connector budget exhausted', { scope: budget.scope }) return NextResponse.json( { error: 'Bank connector is busy, try again shortly', code: 'CONNECTOR_RATE_LIMITED', scope: budget.scope }, { status: 429, headers: { 'Retry-After': String(budget.retryAfterSec) } }, ) } // Statuses that must carry no body (RFC 9110). new Response(text, {status:204}) // throws in undici, so pass a null body through for these. const NULL_BODY_STATUS = new Set([204, 205, 304]) interface EbResult { status: number ok: boolean /** null for the RFC 9110 bodyless statuses. */ text: string | null contentType: string | null } /** * Forward a request to Enable Banking with Arcim's JWT and read the body * INSIDE the timeout window: clearing the timer at headers-received left an * upstream that stalls mid-body holding the request open forever. */ async function forwardToEb(method: string, path: string, body?: unknown): Promise { const controller = new AbortController() const timeout = setTimeout(() => controller.abort(), FETCH_TIMEOUT_MS) try { const res = await fetch(`${ebBaseUrl()}${path}`, { method, signal: controller.signal, // A followed redirect would resend the EB JWT to the redirect target. redirect: 'error', headers: { Authorization: getAuthorizationHeader(), 'Content-Type': 'application/json', Accept: 'application/json', }, ...(body !== undefined ? { body: JSON.stringify(body) } : {}), }) const text = NULL_BODY_STATUS.has(res.status) ? null : await res.text() return { status: res.status, ok: res.ok, text, contentType: res.headers.get('content-type') } } finally { clearTimeout(timeout) } } function passthrough(res: EbResult): NextResponse { if (res.text === null) { return new NextResponse(null, { status: res.status }) } return new NextResponse(res.text, { status: res.status, headers: { 'Content-Type': res.contentType ?? 'application/json' }, }) } function pathOf(request: Request): string { const idx = request.url.indexOf('/api/connect/bank') const rest = idx === -1 ? '' : request.url.slice(idx + '/api/connect/bank'.length) return rest.split('?')[0].replace(/\/+$/, '') || '/' } function queryOf(request: Request): string { const q = request.url.indexOf('?') return q === -1 ? '' : request.url.slice(q) } const HOSTED_EB_CALLBACK = () => `${(process.env.NEXT_PUBLIC_APP_URL || 'http://localhost:3000').replace(/\/+$/, '')}/api/extensions/enable-banking/callback` export const GET = withConnectorAuth('connect.bank', async (request, ctx) => { const scopeError = requireScope(ctx) if (scopeError) return scopeError const path = pathOf(request) // GET /aspsps — bank list. Rate-budgeted, no ownership. if (path === '/aspsps') { const blocked = await budgetOr429(ctx) if (blocked) return blocked return passthrough(await forwardToEb('GET', `/aspsps${queryOf(request)}`)) } // GET /sessions/{id} — must own the session. const sessionMatch = /^\/sessions\/([^/]+)$/.exec(path) if (sessionMatch) { const sessionId = decodeURIComponent(sessionMatch[1]) const owned = await findByHandle(ctx.supabase, { keyId: ctx.key.id, service: 'bank', handle: sessionId }) if (!owned) return notOwned() const blocked = await budgetOr429(ctx) if (blocked) return blocked await touchConnection(ctx.supabase, owned.id) return passthrough(await forwardToEb('GET', `/sessions/${encodeURIComponent(sessionId)}`)) } // GET /accounts/{uid}/balances|transactions — must own the account. const acctMatch = /^\/accounts\/([^/]+)\/(balances|transactions)$/.exec(path) if (acctMatch) { const uid = decodeURIComponent(acctMatch[1]) const owned = await findByAccountUid(ctx.supabase, { keyId: ctx.key.id, accountUid: uid }) if (!owned) return notOwned() const blocked = await budgetOr429(ctx) if (blocked) return blocked await touchConnection(ctx.supabase, owned.id) return passthrough(await forwardToEb('GET', `/accounts/${encodeURIComponent(uid)}/${acctMatch[2]}${queryOf(request)}`)) } return notAllowed() }) export const POST = withConnectorAuth('connect.bank', async (request, ctx) => { const scopeError = requireScope(ctx) if (scopeError) return scopeError const path = pathOf(request) const cref = companyRef(request) // POST /auth — start a bank authorization for one company. if (path === '/auth') { if (!cref) return missingCompany() let payload: Record try { payload = (await request.json()) as Record } catch { return NextResponse.json({ error: 'Invalid JSON', code: 'BAD_REQUEST' }, { status: 400 }) } const instanceReturn = typeof payload.redirect_url === 'string' ? payload.redirect_url : null if (!instanceReturn || !isOnInstance(instanceReturn, ctx.key.instanceUrl)) { return NextResponse.json( { error: 'redirect_url must be on the connector key\'s instance', code: 'CONNECTOR_REDIRECT_INVALID' }, { status: 400 }, ) } // Per-company connection quota (the sold package). Counting alone is a // TOCTOU race under concurrent /auth calls, so the pending row doubles as // a reservation: fast-reject on the pre-count, insert, then RE-count and // roll the own row back when over the limit. Fresh pending rows reserve // quota for the 15-minute consent window (see countHeldConnections). const quotaExceeded = () => NextResponse.json( { error: 'Bank connection quota reached for this company', code: 'CONNECTOR_QUOTA_EXCEEDED', limit: ctx.key.limits.bank_connections_per_company, }, { status: 403 }, ) const held = await countHeldConnections(ctx.supabase, ctx.key.id, 'bank', cref) if (held >= ctx.key.limits.bank_connections_per_company) return quotaExceeded() const blocked = await budgetOr429(ctx) if (blocked) return blocked const instanceState = typeof payload.state === 'string' ? payload.state : '' const signedState = signConnectorState({ kid: ctx.key.id, svc: 'bank', ret: instanceReturn, st: instanceState, cref }) const provider = typeof (payload.aspsp as { name?: string } | undefined)?.name === 'string' ? String((payload.aspsp as { name: string }).name) : null const pendingId = await createPendingConnection(ctx.supabase, { keyId: ctx.key.id, service: 'bank', companyRef: cref, provider, pendingState: signedState, }) const heldAfter = await countHeldConnections(ctx.supabase, ctx.key.id, 'bank', cref) if (heldAfter > ctx.key.limits.bank_connections_per_company) { await deletePendingConnectionById(ctx.supabase, pendingId) return quotaExceeded() } // Rewrite the redirect to OUR registered callback and swap in the signed state. const ebBody = { ...payload, redirect_url: HOSTED_EB_CALLBACK(), state: signedState } return passthrough(await forwardToEb('POST', '/auth', ebBody)) } // POST /sessions — finalize after consent, record the session in the ledger. if (path === '/sessions') { let payload: Record try { payload = (await request.json()) as Record } catch { return NextResponse.json({ error: 'Invalid JSON', code: 'BAD_REQUEST' }, { status: 400 }) } // The instance sends back the signed connector state it received. The // code is only exchanged AGAINST that state's own pending row: verified // signature, this key, bank service, and the row still pending. Without // the binding, a code could be exchanged under a foreign or consumed // state, minting an upstream session the ledger never records. const pendingState = typeof payload.connector_state === 'string' ? payload.connector_state : null if (!pendingState) { return NextResponse.json({ error: 'Missing connector_state', code: 'BAD_REQUEST' }, { status: 400 }) } const verified = verifyConnectorState(pendingState) if (!verified.ok) { return NextResponse.json({ error: 'Invalid connector state', code: 'CONNECTOR_STATE_INVALID' }, { status: 400 }) } if (verified.payload.kid !== ctx.key.id || verified.payload.svc !== 'bank') { return NextResponse.json({ error: 'State does not belong to this key', code: 'CONNECTOR_STATE_INVALID' }, { status: 403 }) } const pendingRow = await findPendingByState(ctx.supabase, { keyId: ctx.key.id, pendingState }) if (!pendingRow) return notOwned() const blocked = await budgetOr429(ctx) if (blocked) return blocked const ebRes = await forwardToEb('POST', '/sessions', { code: payload.code }) if (ebRes.ok && ebRes.text !== null) { try { const session = JSON.parse(ebRes.text) as { session_id?: string; accounts?: Array<{ uid?: string }> } if (session.session_id) { const accountUids = (session.accounts ?? []) .map((a) => a.uid) .filter((u): u is string => typeof u === 'string') const activated = await activateByPendingState(ctx.supabase, { keyId: ctx.key.id, pendingState, handle: session.session_id, accountUids, }) if (!activated) { // The pending row was consumed between the precheck and now (a // concurrent replay of the same state). An unrecorded upstream // session must not be handed out: close it and refuse. await forwardToEb('DELETE', `/sessions/${encodeURIComponent(session.session_id)}`) return NextResponse.json( { error: 'Connector state already consumed', code: 'CONNECTOR_STATE_CONSUMED' }, { status: 409 }, ) } } } catch (err) { ctx.log.warn('could not record session in ledger', { err: err instanceof Error ? err.message : String(err) }) } } return passthrough(ebRes) } return notAllowed() }) export const DELETE = withConnectorAuth('connect.bank', async (request, ctx) => { const scopeError = requireScope(ctx) if (scopeError) return scopeError const path = pathOf(request) const sessionMatch = /^\/sessions\/([^/]+)$/.exec(path) if (!sessionMatch) return notAllowed() const sessionId = decodeURIComponent(sessionMatch[1]) const owned = await findByHandle(ctx.supabase, { keyId: ctx.key.id, service: 'bank', handle: sessionId }) if (!owned) return notOwned() const blocked = await budgetOr429(ctx) if (blocked) return blocked const res = await forwardToEb('DELETE', `/sessions/${encodeURIComponent(sessionId)}`) // Revoke the ledger row only when the upstream delete actually took (or the // session is already gone upstream): revoking on a transient EB error would // leave the remote session alive but permanently unreachable via the proxy. if (res.ok || res.status === 404) { await revokeByHandle(ctx.supabase, { keyId: ctx.key.id, service: 'bank', handle: sessionId }) } return passthrough(res) }) function isOnInstance(url: string, instanceUrl: string | null): boolean { if (!instanceUrl) return false try { return new URL(url).origin === new URL(instanceUrl).origin } catch { return false } } function notAllowed(): NextResponse { return NextResponse.json({ error: 'Not allowed', code: 'CONNECTOR_PATH_NOT_ALLOWED' }, { status: 403 }) } function notOwned(): NextResponse { return NextResponse.json({ error: 'Unknown connection for this key', code: 'CONNECTOR_NOT_OWNED' }, { status: 404 }) } function missingCompany(): NextResponse { return NextResponse.json({ error: 'Missing X-Connector-Company header', code: 'CONNECTOR_COMPANY_MISSING' }, { status: 400 }) }