Complete Integration Example

class AccrueOnboarding {
  constructor(config) {
    this.config = config;
    this.kycRequiredOps = [
      'deposit_funds',
      'create_payment',
      'withdraw_funds'
    ];
  }

  // Phase 1: Instant onboarding
  async quickStart(customer, internalId) {
    try {
      // Create user and wallet immediately
      const userId = await this.createUser(customer);
      const walletId = await this.createWallet(userId);

      // User can now link accounts and receive rewards
      await this.saveToDatabase({
        internalId,
        accrueUserId: userId,
        walletId,
        kycStatus: 'NotStarted',
        phase: 'quick_start_complete'
      });

      return {
        success: true,
        userId,
        walletId,
        capabilities: {
          canLinkAccounts: true,
          canReceiveRewards: true,
          canDeposit: false,  // Requires KYC
          canPurchase: false  // Requires KYC
        }
      };
    } catch (error) {
      return this.handleError(error);
    }
  }

  // Phase 2: Enable banking when needed
  async enableBanking(userId, triggeredBy) {
    // Check if already verified
    const status = await this.getKycStatus(userId);
    if (status === 'Approved') {
      return { alreadyEnabled: true };
    }

    // Start KYC process
    await this.acceptDisclosures(userId);

    return {
      kycInitiated: true,
      triggeredBy,
      message: 'Complete verification in your wallet to continue',
      estimatedTime: '2-5 minutes'
    };
  }

  // Smart operation handler
  async performOperation(userId, operation, params) {
    // Check if this operation needs KYC
    if (this.kycRequiredOps.includes(operation)) {
      const status = await this.getKycStatus(userId);

      if (status !== 'Approved') {
        // Trigger Phase 2
        const result = await this.enableBanking(userId, operation);
        return {
          success: false,
          requiresKyc: true,
          kycStatus: status,
          ...result
        };
      }
    }

    // Perform the operation
    return await this.executeOperation(operation, params);
  }

  // Webhook handler for status updates
  async handleWebhook(event) {
    const userId = event.included[0].id;
    const topic = event.attributes.topic;

    const handlers = {
      ApplicationApproved: () => this.onKycApproved(userId),
      ApplicationDeclined: () => this.onKycDenied(userId),
      ApplicationAwaitingDocuments: () => this.onDocumentsNeeded(userId)
    };

    const handler = handlers[topic];
    if (handler) await handler();
  }

  async onKycApproved(userId) {
    await this.updateStatus(userId, 'Approved');
    await this.enableAllFeatures(userId);
    await this.notifyUser(userId, {
      title: '✓ Verification Complete',
      message: 'You can now deposit funds and make purchases!',
      features: ['deposit', 'purchase', 'withdraw']
    });
  }
}