feat(realunit): adjust KYC level requirements based on amount (#2771)

- KYC Level 20 is now sufficient for amounts up to 1000 CHF
- KYC Level 50 is still required for amounts above 1000 CHF
- EUR amounts are converted to CHF for the limit check
- Uses existing Config.tradingLimits.monthlyDefaultWoKyc threshold

Author: TaprootFreak

src/subdomains/supporting/realunit/dto/realunit.dto.ts

@@ -1,6 +1,6 @@
 import { ApiProperty, ApiPropertyOptional } from '@nestjs/swagger';
 import { Type } from 'class-transformer';
-import { IsEnum, IsNumber, IsOptional, IsString } from 'class-validator';
+import { IsEnum, IsNumber, IsOptional, IsPositive, IsString } from 'class-validator';
 import { FeeDto } from 'src/subdomains/supporting/payment/dto/fee.dto';
 import { QuoteError } from 'src/subdomains/supporting/payment/dto/transaction-helper/quote-error.enum';
 import { PriceStep } from 'src/subdomains/supporting/pricing/domain/entities/price';
@@ -272,6 +272,7 @@ export enum RealUnitBuyCurrency {
 export class RealUnitBuyDto {
   @ApiProperty({ description: 'Amount in fiat currency' })
   @IsNumber()
+  @IsPositive()
   @Type(() => Number)
   amount: number;
 

src/subdomains/supporting/realunit/realunit.service.ts

@@ -199,9 +199,23 @@ export class RealUnitService {
     const userData = user.userData;
     const currencyName = dto.currency ?? 'CHF';
 
-    // 1. KYC Level 50 required for RealUnit
-    if (userData.kycLevel < KycLevel.LEVEL_50) {
-      throw new BadRequestException('KYC Level 50 required for RealUnit');
+    // 1. KYC Level check - Level 20 for amounts <= 1000 CHF, Level 50 for higher amounts
+    const currency = await this.fiatService.getFiatByName(currencyName);
+    const amountChf =
+      currencyName === 'CHF'
+        ? dto.amount
+        : (await this.pricingService.getPrice(currency, PriceCurrency.CHF, PriceValidity.ANY)).convert(dto.amount);
+
+    const maxAmountForLevel20 = Config.tradingLimits.monthlyDefaultWoKyc;
+    const requiresLevel50 = amountChf > maxAmountForLevel20;
+    const requiredLevel = requiresLevel50 ? KycLevel.LEVEL_50 : KycLevel.LEVEL_20;
+
+    if (userData.kycLevel < requiredLevel) {
+      throw new BadRequestException(
+        requiresLevel50
+          ? `KYC Level 50 required for amounts above ${maxAmountForLevel20} CHF`
+          : 'KYC Level 20 required for RealUnit',
+      );
     }
 
     // 2. Registration required
@@ -214,10 +228,7 @@ export class RealUnitService {
     const realuAsset = await this.getRealuAsset();
     const buy = await this.buyService.createBuy(user, user.address, { asset: realuAsset }, true);
 
-    // 4. Get currency
-    const currency = await this.fiatService.getFiatByName(currencyName);
-
-    // 5. Call BuyService to get payment info (handles fees, rates, IBAN creation, QR codes, etc.)
+    // 4. Call BuyService to get payment info (handles fees, rates, IBAN creation, QR codes, etc.)
     const buyPaymentInfo = await this.buyService.toPaymentInfoDto(user.id, buy, {
       amount: dto.amount,
       targetAmount: undefined,
@@ -227,7 +238,7 @@ export class RealUnitService {
       exactPrice: false,
     });
 
-    // 6. Override recipient info with RealUnit company address
+    // 5. Override recipient info with RealUnit company address
     const { bank: realunitBank } = GetConfig().blockchain.realunit;
     const response: RealUnitPaymentInfoDto = {
       id: buyPaymentInfo.id,
@@ -523,6 +534,12 @@ export class RealUnitService {
       });
 
       await this.kycService.saveKycStepUpdate(kycStep.complete());
+
+      // Set KYC Level 20 if not already higher (same as NATIONALITY_DATA step)
+      if (kycStep.userData.kycLevel < KycLevel.LEVEL_20) {
+        await this.userDataService.updateUserDataInternal(kycStep.userData, { kycLevel: KycLevel.LEVEL_20 });
+      }
+
       return true;
     } catch (error) {
       const message = error?.response?.data ? JSON.stringify(error.response.data) : error?.message || error;