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Pure-algorithm out of the box; BCRA lookups v","maintainers":[{"name":"naza-ar","email":"clementenaza@gmail.com"}],"readme":"# @ar-agents/banking\n\n> Argentine banking primitives for [Vercel AI SDK 6+](https://sdk.vercel.ai) agents: CBU/CVU validation, bank/PSP lookup, and BCRA Central de Deudores.\n\n[![npm version](https://img.shields.io/npm/v/@ar-agents/banking.svg)](https://www.npmjs.com/package/@ar-agents/banking)\n[![npm downloads](https://img.shields.io/npm/dm/@ar-agents/banking.svg)](https://www.npmjs.com/package/@ar-agents/banking)\n[![license](https://img.shields.io/npm/l/@ar-agents/banking.svg)](./LICENSE)\n[![bundle size](https://img.shields.io/bundlephobia/minzip/@ar-agents/banking.svg)](https://bundlephobia.com/package/@ar-agents/banking)\n[![npm provenance](https://img.shields.io/badge/npm%20provenance-SLSA%20v1-7C3AED?logo=npm)](https://docs.npmjs.com/generating-provenance-statements)\n\n> **Reading this as an agent?** Skip to [AGENTS.md](./AGENTS.md) for tool selection rules, result schemas to memorize, error patterns, and AR banking context.\n\n## At a glance\n\n| What | Value |\n| --- | --- |\n| Tools shipped | 5: `validate_cbu`, `lookup_bank_by_code`, `list_banks`, `list_psps`, `lookup_credit_situation` |\n| Pure-algorithm | `validate_cbu` + `lookup_bank_by_code` + bank/PSP lists work with **zero setup** (no API key) |\n| External adapter | `BcraPublicApiAdapter` (default: public BCRA API, no auth) for credit-situation lookups |\n| Banks + PSPs covered | All 60+ AR banks (Galicia, Nación, BBVA, Santander…) + 20+ PSPs (Mercado Pago, Ualá, Naranja X, Modo, Cuenta DNI…) |\n| Test coverage | 54 unit tests, 90% statements, 100% functions |\n| Bundle | 5.3 KB ESM brotli'd |\n| Runtime | Edge Runtime + Node 18+ (pure compute, no `node:crypto`) |\n\nBuilt for agents that need to:\n\n- **Validate CBUs/CVUs** before initiating transfers (catch typos before they cost you a chargeback)\n- **Identify the bank or PSP** behind a CBU (Galicia, Nación, Mercado Pago, Ualá, Naranja X…)\n- **Check BCRA credit situation** for B2B counterparty risk (factoring, supplier onboarding)\n\nShips with **pure-algorithm tools that always work** (no API key, no setup) and a **pluggable BCRA adapter** for credit lookups.\n\n---\n\n## Install\n\n```bash\npnpm add @ar-agents/banking\n# peer deps: ai >=6, zod >=3\n```\n\n## Quick start\n\n```ts\nimport { Experimental_Agent as Agent, stepCountIs } from \"ai\";\nimport { bankingTools, BcraPublicApiAdapter } from \"@ar-agents/banking\";\n\nconst agent = new Agent({\n  model: \"anthropic/claude-sonnet-4-6\",\n  tools: bankingTools({\n    bcra: new BcraPublicApiAdapter(), // optional: for credit lookups\n  }),\n  stopWhen: stepCountIs(6),\n});\n\nconst { text } = await agent.generate({\n  prompt: \"Validá este CBU: 0070123145678901234564\",\n});\n// → \"Es un CBU válido. Banco: Banco Galicia, sucursal 0123, cuenta 4567890123456.\"\n```\n\nWithout a BCRA adapter, the credit-lookup tool stays callable but returns\n`{ available: false, error: \"<setup instructions>\" }` instead of crashing.\n\n---\n\n## Tools\n\n| Tool                       | Pure? | What it does                                             |\n| -------------------------- | ----- | -------------------------------------------------------- |\n| `validate_cbu`             | ✓     | Validate CBU/CVU + identify bank/PSP                     |\n| `lookup_bank_by_code`      | ✓     | Resolve a 3-digit bank code or 7-digit CVU prefix → name |\n| `list_banks`               | ✓     | Enumerate all known banks (for dropdowns)                |\n| `list_psps`                | ✓     | Enumerate all known PSPs/fintechs (for dropdowns)        |\n| `lookup_credit_situation`  |:     | BCRA Central de Deudores lookup (requires adapter)       |\n\nSee [AGENTS.md](./AGENTS.md) for detailed selection guidance and result schemas.\n\n---\n\n## CBU/CVU algorithm\n\nCBU = Clave Bancaria Uniforme (traditional bank accounts).\nCVU = Clave Virtual Uniforme (PSPs / fintechs / digital wallets).\n\nBoth are 22 digits with the BCRA dual mod-10 check-digit algorithm:\n\n- **Block 1 (8 digits)**: `BBB-SSSS-V₁`: entity (3) + branch (4) + check (1)\n- **Block 2 (14 digits)**: `<account-13>-V₂`: account (13) + check (1)\n\nThe algorithm is implemented in `src/cbu.ts` and exposed via `parseCbu()`,\n`isValidCbu()`, and `computeBlockCheckDigit()`. Pure functions, sub-millisecond,\nno I/O.\n\n---\n\n## BCRA Central de Deudores\n\nFor B2B agents that need credit-risk signal on a counterparty CUIT:\n\n```ts\nimport { bankingTools, BcraPublicApiAdapter } from \"@ar-agents/banking\";\n\nconst tools = bankingTools({\n  bcra: new BcraPublicApiAdapter({\n    requestTimeoutMs: 15_000,\n    maxRetries: 2,\n    onCall: (e) => console.log(e), // observability hook\n  }),\n});\n```\n\nThe default adapter hits BCRA's public REST endpoint\n(`api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/{cuit}`): no auth required,\nrespect their rate limits. You can swap in your own adapter for caching, NOSIS,\nEquifax, or a private mirror.\n\nReturns a normalized `BcraDeudaResult` with the worst situation code (1–6),\ntotal outstanding debt across all entities, and per-entity breakdown.\n\nSee `BcraSituation` in [`src/types.ts`](./src/types.ts) for the situation-code\nreference (1=normal, 5=irrecuperable, etc.).\n\n---\n\n## License\n\nMIT © Nazareno Clemente\n\n## Stability\n\nThis package is **pre-1.0**. Per [npm convention](https://docs.npmjs.com/about-semantic-versioning), **0.x minor versions may include breaking changes**. We document every breaking change in `CHANGELOG.md` under the corresponding minor bump and flag it explicitly. To avoid surprises:\n\n```bash\n# Pin to exact version (recommended for production):\npnpm add @ar-agents/<package>@<exact-version>\n```\n\nWe commit to **no breaking changes within a patch version**, and we publish `1.0.0` once the public API has stabilized across at least two consecutive minor releases.\n","readmeFilename":"README.md"}