@

backend phase 3: identity profiles, patients & nurse bank accounts

Add the role-attached identity layer on top of the b2 auth spine: nurse
seller profiles (guarded is_verified, read-only aggregates), thin customer
payer profiles, first-class patients (tenancy-scoped), and nurse payout bank
accounts hardened with an iban_hash uniqueness guard and an automated استعلام
شبا IBAN-ownership inquiry.

- Four usr tables via one migration (1:1 uniques, UNIQUE(iban_hash), filtered
  UNIQUE(nurse_id) WHERE is_primary=1, guarded is_verified, encrypted PII,
  soft-delete on nurse_profiles)
- 15 CQRS slices + 4 role-scoped controllers; reads projected + paginated,
  IBAN masked (last-4); ownership-inquiry endpoints rate-limited
- New IBankAccountOwnershipVerifier seam (mock deterministic شبا match) +
  per-domain repositories on IUnitOfWork + encrypted-PII value converters
- Activate FluentValidation repo-wide (validators were never registered)
- Handler unit tests + WebApplicationFactory integration tests (76 pass);
  contract identity-profiles.md + swagger snapshot; docs, handoff & report

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
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dev/shared-working-context/reports/mocks-registry.md

@@ -26,7 +26,7 @@ Status legend: 🔴 not built · 🟡 mocked (seam + fake impl in place) · 🟢
 | `IShahkarVerifier` | backend-phase-6 | Phone↔national-id match — fake pass | _tbd_ | Real Shahkar/KYC vendor; persist `external_response_json` | 🔴 |
 | `IIdentityKycProvider` | backend-phase-6 | National-ID + liveness — fake pass | _tbd_ | Finnotech/U-ID/Jibbit/Verify liveness+OCR | 🔴 |
 | `ICredentialVerifier` | backend-phase-6 | MoH/INO/criminal-record — manual/fake | _tbd_ | Manual admin today; API when a portal appears (`verification_method=api`) | 🔴 |
-| `IBankAccountOwnershipVerifier` | backend-phase-3/6 | استعلام شبا IBAN↔national-id — fake match | _tbd_ | Real KYC vendor; store `ownership_vendor_ref` | 🔴 |
+| `IBankAccountOwnershipVerifier` | backend-phase-3 | استعلام شبا IBAN-owner ↔ national-id inquiry — `MockBankAccountOwnershipVerifier` (`Baya.Infrastructure.CrossCutting/Seams/`) returns a deterministic fake: every IBAN matches (`matched_national_id=true`, echoes a holder name + `MOCK-SHEBA-{sha}` vendor ref) except the configured mismatch IBAN which returns `false`; registered singleton in `AddCrossCuttingSeams`. No real bank/KYC call, no money moves | `Seams:BankOwnership:MismatchIban` (default `IR000000000000000000000000`), `Seams:BankOwnership:MatchedHolderName`, `Seams:BankOwnership:MismatchHolderName` | 1) pick a Finnotech / banking-bridge استعلام شبا provider, add its client package to `Directory.Packages.props`; 2) add `Seams:BankOwnership:{ApiKey,BaseUrl}` options; 3) implement `VerifyOwnershipAsync(iban, nurseNationalId)` against the real Sheba-owner inquiry, mapping to `OwnershipInquiryResult`; 4) persist the real `ownership_vendor_ref` (+ raw response if a column is added); 5) swap the registration in `AddCrossCuttingSeams` (config-selected) — handlers unchanged; 6) test match/mismatch + that the b13 first-payout gate honours `matched_national_id=true` | 🟡 |
 | `IGeocoder` | backend-phase-4 | Address→lat/lng — echo/static | _tbd_ | Neshan/Google geocoding | 🔴 |
 | `IMoadianClient` | backend-phase-11 | سامانه مودیان e-invoice — leaves ref pending | _tbd_ | Real مودیان submission → 22-digit ref | 🔴 |
 | `IReviewModerationService` | backend-phase-14 | AI moderation — keyword/pass-through | _tbd_ | Real classifier/LLM endpoint | 🔴 |
@@ -36,3 +36,13 @@ Status legend: 🔴 not built · 🟡 mocked (seam + fake impl in place) · 🟢
 
 > Exact config keys and file paths get filled in by the phase that builds each seam. Keep the
 > "Make it real →" column actionable enough that a developer can pick up any single row and ship it.
+
+## Frontend client-side mocks (not backend DI seams)
+
+These are in-browser mocks behind a `services/{domain}` interface, selected by a config flag. They exist so
+the frontend can build before the backend phase merges, and swap to the real HTTP client in one line.
+
+| Seam (interface) | File | What it fakes | Config flag | Make it real → | Status |
+| --- | --- | --- | --- | --- | --- |
+| `PatientsApi` | `client/src/services/patients/apis/mockApi.ts` | In-memory patient list/create | `USE_PATIENTS_MOCK` (`services/patients/constants.ts`) | Publish `/patients` endpoints, set flag `false` | 🟡 |
+| `AuthApi` | `client/src/services/auth/apis/mockApi.ts` (`authMockApi`) | Phone-OTP login offline: `requestOtp`→`{otpSent,resendAvailableInSeconds:120}`; `verifyOtp` accepts dev code **`123456`** and locks after 3 wrong tries (`otp_locked`); `getMe`/`selectRole`/`refresh` from a `MOCK_SCENARIO` toggle (`customer`/`nurse_unverified`/`no_role`) to exercise all router branches | `USE_AUTH_MOCK` (`services/auth/constants.ts`, default **false** — b2 is live) + `MOCK_SCENARIO` in `mockApi.ts` | The real `authClientApi` is already wired to the live b2 routes; set `USE_AUTH_MOCK = false` (already the default) — no hook/screen change | 🟢 real by default, 🟡 mock available |