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accounted/lib/auth/mfa.ts
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TypeScript

/**
* MFA (Multi-Factor Authentication) helpers.
*
* MFA is only required on the hosted version, never for self-hosted deployments.
* Enforcement is application-side (middleware + API routes), not RLS.
*/
import { flagEnabled, isSelfHosted } from '@/lib/env/public-flags'
export function isMfaRequired(): boolean {
if (isSelfHosted()) return false
return flagEnabled(process.env.NEXT_PUBLIC_REQUIRE_MFA)
}
/**
* A time-boxed exemption: `app_metadata.mfa_exempt_until` holds an ISO
* timestamp, and the gate is skipped only while that instant is in the
* future. app_metadata is written only through the service role (never from a
* browser session), so this is an operator switch for the one kind of account
* that must be usable by someone who cannot enrol an authenticator: Google's
* OAuth verification reviewers, who log in with credentials we hand them and
* treat any second factor as an "authentication blocker".
*
* Time-boxed rather than a boolean so a forgotten flag cannot outlive the
* review: the exemption dies on its own. Anything malformed enforces MFA.
*/
export function isMfaExemptionActive(
user: { app_metadata?: Record<string, unknown> },
now: Date = new Date(),
): boolean {
const until = user.app_metadata?.mfa_exempt_until
if (typeof until !== 'string') return false
const expires = Date.parse(until)
if (Number.isNaN(expires)) return false
return expires > now.getTime()
}
/**
* Check if MFA should be enforced for a specific user.
* BankID-linked users skip TOTP because BankID is inherently 2FA.
* A live, time-boxed exemption (see isMfaExemptionActive) also skips it.
*/
export function shouldEnforceMfa(user: { app_metadata?: Record<string, unknown> }): boolean {
if (!isMfaRequired()) return false
if (user.app_metadata?.bankid_linked) return false
if (isMfaExemptionActive(user)) return false
return true
}