Laravel Multi-Currency Wallet Management Package

A comprehensive Laravel package for managing multi-currency wallets with advanced features including multiple balance types, transfers, fees, discounts, and configurable exchange rates. Perfect for e-commerce, fintech, and any application requiring robust financial transaction management.

🚀 Production-Ready Package with 270+ passing tests, PHPStan level 8 compliance, and optimized DB::transaction usage for enterprise-grade performance and reliability.

✨ Key Features

• 🏦 Multi-Currency Support: Manage wallets for various currencies with configurable exchange rates
• 💰 Multiple Balance Types: Support for Available, Pending, Frozen, and Trial balances
• 🔄 Advanced Transfers: Transfer between wallets with fees, discounts, and status tracking
• 🎯 Polymorphic Relations: Flexible model associations - attach wallets to any model
• 📊 Transaction Tracking: Comprehensive transaction history with metadata support
• ⚙️ Configurable Architecture: Runtime configuration with extensible interfaces
• 🔒 Type Safety: Built with PHP 8.1+ features and strict typing
• 🧪 Fully Tested: 100% test coverage with 270+ passing tests using Pest framework
• 📝 Event System: Rich event system for wallet operations
• 🎨 Clean Architecture: SOLID principles with repository and service patterns
• 🏷️ PHP Attributes: Easy configuration using PHP 8.1+ attributes
• ⚡ Bulk Operations: High-performance bulk transaction processing with DB::transaction
• 🗃️ Database Agnostic: Compatible with MySQL, PostgreSQL, SQLite, and SQL Server
• 🎛️ Operation Validation: Attribute-based operation validation and logging
• 🔄 Enhanced Events: Comprehensive event system for all operations
• 📈 Wallet Statistics: Built-in analytics and reconciliation tools
• 🚀 Production Ready: PHPStan level 8 compliance and enterprise-grade features
• 🔧 Clean Code: Laravel Pint formatted with PSR standards
• 🛠️ Helper Functions: Rich set of global helper functions for common operations
• 🔍 Debugging Tools: Comprehensive debugging and monitoring utilities
• 📊 Analytics: Built-in performance metrics and reporting
• 🔐 Type Safety: Strict type checking with value objects and validation

📚 Documentation

Comprehensive documentation is available in the /docs directory:

• 📖 Getting Started - Installation and basic setup
• 🚀 Advanced Features - Bulk operations, events, and more
• 📋 API Reference - Complete method documentation
• ⚙️ Configuration - Detailed configuration options
• 💡 Examples - Real-world usage examples
• ✅ Best Practices - Production tips and recommendations
• ❓ FAQ - Frequently asked questions

📋 Requirements

• PHP 8.1+
• Laravel 10.0+

🚀 Installation

Install the package via Composer:

composer require hwallet/laravel-multi-wallet

Publish and run the migrations:

php artisan vendor:publish --provider="HWallet\LaravelMultiWallet\LaravelMultiWalletServiceProvider" --tag="migrations"
php artisan migrate

Optionally, publish the configuration file:

php artisan vendor:publish --provider="HWallet\LaravelMultiWallet\LaravelMultiWalletServiceProvider" --tag="config"

🎯 Quick Start

1. Add the HasWallets trait to your model

use HWallet\LaravelMultiWallet\Traits\HasWallets;

class User extends Authenticatable
{
    use HasWallets;
    
    // ... your model code
}

2. Enhanced Configuration with PHP Attributes

You can now use PHP attributes to configure wallet behavior directly on your models:

use HWallet\LaravelMultiWallet\Attributes\WalletConfiguration;
use HWallet\LaravelMultiWallet\Traits\HasWallets;

#[WalletConfiguration(
    defaultCurrency: 'USD',
    allowedCurrencies: ['USD', 'EUR', 'GBP'],
    autoCreateWallet: true,
    walletName: 'Primary Wallet',
    enableEvents: true,
    enableAuditLog: true,
    transactionLimits: ['min_amount' => 0.01, 'max_amount' => 10000.00],
    walletLimits: ['max_balance' => 100000.00],
    enableBulkOperations: true,
    uniquenessEnabled: true,
    exchangeRateConfig: ['provider' => 'default'],
    webhookSettings: ['url' => 'https://api.example.com/webhook'],
    notificationSettings: ['email' => true, 'sms' => false],
    securitySettings: ['require_2fa' => false, 'auto_freeze_suspicious' => true]
)]
class User extends Authenticatable
{
    use HasWallets;
    
    // ... your model code
}

3. Create and manage wallets

$user = User::find(1);

// Create a basic wallet
$wallet = $user->createWallet('USD', 'Main Wallet');

// Create with metadata
$wallet = $user->createWallet('EUR', 'European Wallet', [
    'description' => 'For European transactions',
    'meta' => ['region' => 'EU', 'priority' => 'high']
]);

// Credit the wallet
$transaction = $wallet->credit(100.00, 'available', [
    'description' => 'Initial deposit',
    'reference' => 'DEP-001'
]);

// Check balance
echo $wallet->getBalance('available'); // 100.00

4. Transfer between users

$sender = User::find(1);
$recipient = User::find(2);

// Simple transfer
$transfer = $sender->transferTo($recipient, 50.00, 'USD');

// Transfer with fee and metadata
$transfer = $sender->transferTo($recipient, 100.00, 'USD', [
    'fee' => 2.50,
    'description' => 'Payment for services',
    'reference' => 'TXN-12345'
]);

echo $transfer->getNetAmount(); // 102.50 (amount + fee)
echo $transfer->status->value; // 'confirmed'

🛠️ Helper Functions

The package provides a comprehensive set of global helper functions for common wallet operations:

Currency and Amount Formatting

// Format amounts with currency symbols
echo wallet_format_amount(1234.56, 'USD'); // $1,234.56
echo wallet_format_amount(1234.56, 'EUR'); // €1,234.56
echo wallet_format_amount(1234.56, 'GBP'); // £1,234.56

// Check currency support
if (wallet_is_currency_supported('USD')) {
    echo "USD is supported";
}

// Validate amounts within limits
if (wallet_validate_amount(100, 50, 200)) {
    echo "Amount is within limits";
}

// Calculate fees
$fee = wallet_calculate_fee(1000, 2.5); // 2.5% fee = 25.0
$fee = wallet_calculate_fee(1000, 0, 5.0); // Fixed fee = 5.0
$fee = wallet_calculate_fee(1000, 1.5, 2.0); // Both = 17.0

// Round amounts
$rounded = wallet_round_amount(123.456789, 2); // 123.46

// Calculate percentages
$result = wallet_calculate_percentage(1000, 15); // 150.0

Wallet Operations

// Format balance summary
$formatted = wallet_format_balance_summary($wallet);
// Returns: ['available' => '$1,000.00', 'pending' => '$0.00', ...]

// Get user wallet summary
$summary = wallet_get_user_summary($user);
// Returns: ['wallets' => [...], 'total_balance' => 1500.0, 'currencies' => ['USD', 'EUR']]

Advanced Helper Class Methods

use HWallet\LaravelMultiWallet\Helpers\WalletHelpers;

$helpers = app(WalletHelpers::class);

// Validate currency codes
$helpers->isValidCurrency('USD'); // true
$helpers->isValidCurrency('INVALID'); // false

// Get currency symbols
$helpers->getCurrencySymbol('USD'); // $
$helpers->getCurrencySymbol('EUR'); // €

// Calculate transaction fees with strategies
$fee = $helpers->calculateTransactionFee(1000, 'percentage', 2.5); // 25.0
$fee = $helpers->calculateTransactionFee(1000, 'fixed', 10.0); // 10.0

// Tiered fee calculation
$fee = $helpers->calculateTransactionFee(1000, 'tiered', [
    'tiers' => [
        ['min' => 0, 'max' => 500, 'rate' => 1.0],
        ['min' => 500, 'max' => 1000, 'rate' => 2.0],
        ['min' => 1000, 'max' => null, 'rate' => 3.0]
    ]
]); // 30.0

// Validate metadata
$helpers->validateMetadata(['purpose' => 'savings']); // true
$helpers->validateMetadata(['password' => 'secret']); // false

// Calculate balance statistics
$stats = $helpers->calculateBalanceStatistics([$wallet1, $wallet2]);
// Returns: ['total' => 1500.0, 'average' => 750.0, 'min' => 500.0, 'max' => 1000.0]

// Handle precision calculations
$sum = $helpers->addAmounts(0.1, 0.2); // 0.3 (properly handled)

// Format multiple currencies
$formatted = $helpers->formatMultipleCurrencies([
    ['amount' => 100, 'currency' => 'USD'],
    ['amount' => 200, 'currency' => 'EUR']
]);
// Returns: ['$100.00', '€200.00']

🔍 Debugging and Monitoring Utilities

The package includes comprehensive debugging and monitoring tools:

Wallet Debugging

use HWallet\LaravelMultiWallet\Utils\WalletUtils;

// Debug wallet state
$debug = WalletUtils::debugWallet($wallet);
// Returns detailed wallet information including balances, transactions, metadata

// Validate wallet integrity
$validation = WalletUtils::validateWalletIntegrity($wallet);
// Returns: ['valid' => true, 'issues' => [], 'warnings' => []]

// Reconcile wallet balances
$result = WalletUtils::reconcileWallet($wallet);
// Returns: ['reconciled' => true, 'changes' => [...], 'summary' => '...']

// Get audit trail
$trail = WalletUtils::getWalletAuditTrail($wallet, 50);
// Returns collection of transactions and transfers with metadata

// Export wallet data
$export = WalletUtils::exportWalletData($wallet);
// Returns comprehensive wallet data for backup/analysis

Performance Monitoring

// Get performance metrics
$metrics = WalletUtils::getWalletPerformanceMetrics($wallet);
// Returns: ['transaction_count' => 150, 'average_transaction_amount' => 75.5, ...]

// Get wallet statistics
$stats = WalletUtils::getWalletStats($wallet);
// Returns: ['total_transactions' => 100, 'total_credits' => 50, ...]

// Analyze transaction patterns
$patterns = WalletUtils::analyzeTransactionPatterns($wallet, 30);
// Returns: ['transaction_frequency' => 2.5, 'amount_patterns' => [...], ...]

// Detect anomalies
$anomalies = WalletUtils::detectAnomalies($wallet);
// Returns: ['detected' => true, 'anomalies' => [...], 'score' => 20]

Health Monitoring

// Check wallet health
$health = WalletUtils::checkWalletHealth($wallet);
// Returns: ['healthy' => true, 'score' => 85, 'issues' => [], 'recommendations' => []]

// Monitor activity
$monitoring = WalletUtils::monitorWalletActivity($wallet);
// Returns: ['activity_level' => 'medium', 'risk_score' => 25, ...]

// Generate alerts
$alerts = WalletUtils::generateAlerts($wallet);
// Returns: ['alerts' => [...], 'severity' => 'low', 'recommendations' => [...]]

Bulk Operations and Maintenance

// Perform bulk operations
$result = WalletUtils::bulkOperation([$wallet1, $wallet2], 'credit', ['amount' => 100]);
// Returns: ['successful' => 2, 'failed' => 0, 'errors' => []]

// Clean up old data
$cleanup = WalletUtils::cleanupOldData($wallet, ['days' => 90]);
// Returns: ['cleaned' => true, 'removed_count' => 150, 'size_freed' => 153600]

// Optimize wallet performance
$optimization = WalletUtils::optimizeWallet($wallet);
// Returns: ['optimized' => true, 'improvements' => [...], 'performance_gain' => '15%']

// Validate data integrity
$integrity = WalletUtils::validateDataIntegrity($wallet);
// Returns: ['valid' => true, 'checksums' => [...], 'consistency' => 'good']

🔐 Type Safety System

The package includes a comprehensive type safety system with value objects and strict validation:

Type Creation and Validation

use HWallet\LaravelMultiWallet\Types\WalletTypes;

// Create type-safe amounts
$amount = WalletTypes::createAmount(100.50);
echo $amount->getValue(); // 100.50
echo $amount->isPositive(); // true

// Amount arithmetic
$sum = $amount->add(WalletTypes::createAmount(50.00)); // 150.50
$difference = $amount->subtract(WalletTypes::createAmount(25.00)); // 75.50
$product = $amount->multiply(2); // 201.00
$quotient = $amount->divide(2); // 50.25

// Currency validation
$currency = WalletTypes::createCurrency('USD');
echo $currency->getCode(); // USD
echo $currency->__toString(); // USD

// ID validation
$walletId = WalletTypes::createWalletId(123);
$transactionId = WalletTypes::createTransactionId(456);
$transferId = WalletTypes::createTransferId(789);

// Metadata with sanitization
$metadata = WalletTypes::createWalletMetadata([
    'purpose' => 'savings',
    'password' => 'secret123' // This will be sanitized out
]);

// Balance summaries
$summary = WalletTypes::createBalanceSummary([
    'available' => 1000.00,
    'pending' => 50.00,
    'frozen' => 0.00,
    'trial' => 25.00,
    'total' => 1075.00
]);

// Configuration objects
$config = WalletTypes::createWalletConfiguration([
    'default_currency' => 'USD',
    'allowed_currencies' => ['USD', 'EUR', 'GBP'],
    'transaction_limits' => ['min_amount' => 0.01, 'max_amount' => 10000.00]
]);

Type Comparisons and Operations

// Amount comparisons
$amount1 = WalletTypes::createAmount(100.00);
$amount2 = WalletTypes::createAmount(50.00);

$amount1->greaterThan($amount2); // true
$amount2->lessThan($amount1); // true
$amount1->equals(WalletTypes::createAmount(100.00)); // true

// Currency comparisons
$usd1 = WalletTypes::createCurrency('USD');
$usd2 = WalletTypes::createCurrency('USD');
$eur = WalletTypes::createCurrency('EUR');

$usd1->equals($usd2); // true
$usd1->equals($eur); // false

// ID comparisons
$id1 = WalletTypes::createWalletId(123);
$id2 = WalletTypes::createWalletId(123);
$id3 = WalletTypes::createWalletId(456);

$id1->equals($id2); // true
$id1->equals($id3); // false

📊 Reporting and Analytics

Generate comprehensive reports for analysis and auditing:

// Generate summary report
$report = WalletUtils::generateSummaryReport($user);
// Returns: ['user_info' => [...], 'wallet_summary' => [...], 'balance_summary' => [...]]

// Generate detailed report
$report = WalletUtils::generateDetailedReport($user, [
    'include_transactions' => true,
    'include_transfers' => true
]);
// Returns: ['user_info' => [...], 'wallets' => [...], 'transactions' => [...]]

// Generate audit report
$report = WalletUtils::generateAuditReport($user, ['days' => 30]);
// Returns: ['period' => [...], 'audit_trail' => [...], 'summary' => [...]]

// Generate performance report
$report = WalletUtils::generatePerformanceReport($user);
// Returns: ['performance_metrics' => [...], 'recommendations' => [...]]

🚀 High-Performance Bulk Operations with Transaction Safety

The package provides enterprise-grade bulk operations optimized for production environments with DB::transaction support for data integrity:

Bulk Credit Operations

use HWallet\LaravelMultiWallet\Services\BulkWalletManager;

$bulkManager = app(BulkWalletManager::class);

// Bulk credit multiple wallets
$operations = [
    ['wallet_id' => 1, 'amount' => 100.00, 'balance_type' => 'available', 'meta' => ['ref' => 'BULK-001']],
    ['wallet_id' => 2, 'amount' => 200.00, 'balance_type' => 'available', 'meta' => ['ref' => 'BULK-002']],
    ['wallet_id' => 3, 'amount' => 150.00, 'balance_type' => 'pending', 'meta' => ['ref' => 'BULK-003']],
];

$result = $bulkManager->bulkCredit($operations);

// Check results
if ($result['success']) {
    echo "Successfully processed {$result['successful_operations']} operations";
} else {
    echo "Failed operations: {$result['failed_operations']}";
    foreach ($result['errors'] as $error) {
        echo "Error at index {$error['index']}: {$error['error']}";
    }
}

Bulk Debit Operations

// Bulk debit with validation
$operations = [
    ['wallet_id' => 1, 'amount' => 50.00, 'balance_type' => 'available'],
    ['wallet_id' => 2, 'amount' => 75.00, 'balance_type' => 'available'],
];

$result = $bulkManager->bulkDebit($operations);

// The system automatically validates sufficient funds
// and rolls back all operations if any fail

Bulk Transfer Operations

// Bulk transfers between wallets
$operations = [
    [
        'from_wallet_id' => 1,
        'to_wallet_id' => 4,
        'amount' => 100.00,
        'options' => ['fee' => 2.00, 'description' => 'Bulk transfer 1']
    ],
    [
        'from_wallet_id' => 2,
        'to_wallet_id' => 5,
        'amount' => 150.00,
        'options' => ['fee' => 3.00, 'description' => 'Bulk transfer 2']
    ],
];

$result = $bulkManager->bulkTransfer($operations);

Using Bulk Operations via Traits

You can also use bulk operations directly through the HasWallets trait:

$user = User::find(1);

// Bulk credit user's wallets
$operations = [
    ['currency' => 'USD', 'amount' => 100.00],
    ['currency' => 'EUR', 'amount' => 200.00],
];

$result = $user->bulkCreditWallets($operations);

// Bulk debit operations
$result = $user->bulkDebitWallets($operations);

// Bulk freeze operations
$freezeOperations = [
    ['currency' => 'USD', 'amount' => 50.00, 'description' => 'Security freeze'],
    ['currency' => 'EUR', 'amount' => 75.00, 'description' => 'Risk assessment'],
];

$result = $user->bulkFreezeWallets($freezeOperations);

// Bulk unfreeze operations
$result = $user->bulkUnfreezeWallets($freezeOperations);

Enterprise Bulk Operation Features

• 🔒 Transaction Safety: All bulk operations use DB::transaction for ACID compliance
• ⚡ High Performance: Optimized for processing thousands of operations efficiently
• 🔍 Validation: Each operation is validated before execution with detailed error reporting
• 📊 Error Handling: Comprehensive error reporting with operation-level failures
• 📡 Event Support: Rich event system for monitoring and auditing
• 🔄 Rollback Support: Automatic rollback on failure (all-or-nothing mode)
• 🎯 Partial Success: Optional partial success mode for fault tolerance
• 📈 Batch Processing: Configurable batch sizes for memory optimization
• 🧪 Fully Tested: 100% test coverage for all bulk operations

📖 Comprehensive Guide

Balance Types

The package supports four distinct balance types for advanced financial management:

$wallet = $user->createWallet('USD', 'Main Wallet');

// Available Balance - Ready for use
$wallet->credit(1000.00, 'available');
echo $wallet->getBalance('available'); // 1000.00

// Pending Balance - Funds awaiting confirmation
$wallet->moveToPending(200.00, 'Processing payment');
$wallet->confirmPending(200.00, 'Payment confirmed');

// Frozen Balance - Temporarily locked funds
$wallet->freeze(100.00, 'Security review');
$wallet->unfreeze(100.00, 'Review completed');

// Trial Balance - Promotional or test credits
$wallet->addTrialBalance(50.00, 'Welcome bonus');
$wallet->convertTrialToAvailable(25.00, 'Trial period ended');

// Get comprehensive balance summary
$summary = $wallet->getBalanceSummary();
/*
[
    'available' => 825.00,
    'pending' => 0.00,
    'frozen' => 0.00,
    'trial' => 25.00,
    'total' => 850.00
]
*/

Advanced Transfer Operations

use HWallet\LaravelMultiWallet\Services\WalletManager;

$manager = app(WalletManager::class);
$fromWallet = $user1->getWallet('USD', 'Main');
$toWallet = $user2->getWallet('USD', 'Savings');

// Transfer with fee and discount
$transfer = $manager->transfer($fromWallet, $toWallet, 100.00, [
    'fee' => 5.00,        // Service fee
    'discount' => 2.00,   // Loyalty discount
    'description' => 'Discounted transfer',
    'meta' => ['promo_code' => 'SAVE20']
]);

// Check transfer details
echo $transfer->getGrossAmount();      // 100.00 (original amount)
echo $transfer->getFee();              // 5.00
echo $transfer->getDiscount();         // 2.00
echo $transfer->getNetAmount();        // 103.00 (100 + 5 - 2)
echo $transfer->getTransferredAmount(); // 100.00 (amount received)

// Transfer status management
$transfer->markAsPending();
$transfer->markAsConfirmed();
$transfer->markAsRejected();

Working with Multiple Currencies

// Configure exchange rates in config/multi-wallet.php
$user->createWallet('USD', 'US Dollar Wallet');
$user->createWallet('EUR', 'Euro Wallet');
$user->createWallet('GBP', 'British Pound Wallet');

// Get wallets by currency
$usdWallet = $user->getWallet('USD');
$eurWallet = $user->getWallet('EUR');

// Get all wallets
$allWallets = $user->wallets;

// Get wallets by currency
$usdWallets = $user->getWalletsByCurrency('USD');

// Check total balance across all currencies
$totalUsd = $user->getTotalBalance('USD');
$totalEur = $user->getTotalBalance('EUR');

Event System

The package dispatches events for all major operations:

use HWallet\LaravelMultiWallet\Events\WalletCreated;
use HWallet\LaravelMultiWallet\Events\TransactionCreated;
use HWallet\LaravelMultiWallet\Events\TransferCompleted;

// Listen to wallet events
Event::listen(WalletCreated::class, function ($event) {
    Log::info('New wallet created', [
        'wallet_id' => $event->wallet->id,
        'holder' => $event->wallet->holder_type,
        'currency' => $event->wallet->currency
    ]);
});

Event::listen(TransferCompleted::class, function ($event) {
    // Send notification, update analytics, etc.
    Notification::send($event->transfer->to, new TransferReceived($event->transfer));
});

Enhanced Event System

The package includes a comprehensive event system for all wallet operations:

Available Events

• Wallet Events: WalletCreated, WalletUpdated, WalletDeleted, WalletFrozen, WalletUnfrozen
• Transaction Events: TransactionCreated, TransactionConfirmed, TransactionFailed, TransactionReversed
• Transfer Events: TransferInitiated, TransferCompleted, TransferFailed, TransferRejected
• Balance Events: WalletBalanceChanged, WalletLimitExceeded, WalletReconciled
• Operation Events: WalletOperationStarted, WalletOperationCompleted, WalletOperationFailed
• Bulk Events: BulkOperationStarted, BulkOperationCompleted, BulkOperationFailed
• Configuration Events: WalletConfigurationChanged, ExchangeRateUpdated
• Security Events: SuspiciousActivityDetected

Event Usage Examples

use HWallet\LaravelMultiWallet\Events\WalletBalanceChanged;
use HWallet\LaravelMultiWallet\Events\TransactionCreated;
use HWallet\LaravelMultiWallet\Events\SuspiciousActivityDetected;
use HWallet\LaravelMultiWallet\Events\BulkOperationStarted;
use HWallet\LaravelMultiWallet\Events\BulkOperationCompleted;
use HWallet\LaravelMultiWallet\Events\BulkOperationFailed;

// Listen for balance changes
Event::listen(WalletBalanceChanged::class, function ($event) {
    // Send notification to user
    $user = $event->wallet->holder;
    Mail::to($user)->send(new BalanceChangedNotification($event));
});

// Monitor transaction creation
Event::listen(TransactionCreated::class, function ($event) {
    // Log transaction for audit
    AuditLog::create([
        'action' => 'transaction_created',
        'wallet_id' => $event->transaction->wallet_id,
        'amount' => $event->transaction->amount,
        'type' => $event->transaction->type->value,
    ]);
});

// Handle suspicious activity
Event::listen(SuspiciousActivityDetected::class, function ($event) {
    // Freeze wallet and notify security team
    $event->wallet->freeze($event->wallet->getBalance('available'), 'Suspicious activity detected');
    SecurityTeam::notify($event);
});

// Monitor bulk operations
Event::listen(BulkOperationStarted::class, function ($event) {
    Log::info("Bulk operation started: {$event->operationType} with {$event->operationCount} operations");
});

Event::listen(BulkOperationCompleted::class, function ($event) {
    Log::info("Bulk operation completed: {$event->operationType} with {$event->successfulOperations} successful operations");
});

Event::listen(BulkOperationFailed::class, function ($event) {
    Log::error("Bulk operation failed: {$event->operationType} with {$event->failedOperations} failures");
});

Using the Facade

use HWallet\LaravelMultiWallet\Facades\LaravelMultiWallet;

// Create wallet via facade
$wallet = LaravelMultiWallet::createWallet($user, 'USD', 'Main Wallet');

// Transfer between wallets
$transfer = LaravelMultiWallet::transfer($fromWallet, $toWallet, 100.00, [
    'description' => 'Facade transfer'
]);

// Get balance summary
$summary = LaravelMultiWallet::getBalanceSummary($user, 'USD');

Custom Exchange Rate Providers

Implement your own exchange rate logic:

use HWallet\LaravelMultiWallet\Contracts\ExchangeRateProviderInterface;

class ApiExchangeRateProvider implements ExchangeRateProviderInterface
{
    public function getRate(string $from, string $to): float
    {
        // Fetch from external API (e.g., CurrencyLayer, Fixer.io)
        $response = Http::get("https://api.exchangerate-api.com/v4/latest/{$from}");
        return $response->json()['rates'][$to] ?? 1.0;
    }
    
    public function convert(float $amount, string $from, string $to): float
    {
        return $amount * $this->getRate($from, $to);
    }
    
    public function getSupportedCurrencies(): array
    {
        return ['USD', 'EUR', 'GBP', 'JPY', 'CAD', 'AUD'];
    }
}

// Register in service provider
$this->app->singleton(ExchangeRateProviderInterface::class, ApiExchangeRateProvider::class);

📊 Wallet Statistics and Analytics

The package provides built-in analytics and reconciliation tools:

Wallet Statistics

use HWallet\LaravelMultiWallet\Services\WalletManager;

$walletManager = app(WalletManager::class);
$wallet = $user->getWallet('USD');

// Get comprehensive wallet statistics
$stats = $walletManager->getWalletStatistics($wallet);

/*
Returns:
[
    'total_transactions' => 45,
    'total_credits' => 5000.00,
    'total_debits' => 2500.00,
    'total_transfers_sent' => 10,
    'total_transfers_received' => 8,
    'current_balance' => 2500.00,
    'available_balance' => 2000.00,
    'pending_balance' => 300.00,
    'frozen_balance' => 100.00,
    'trial_balance' => 100.00,
]
*/

Wallet Reconciliation

// Check wallet balance integrity
$reconciliation = $walletManager->reconcileWallet($wallet);

if (!$reconciliation['is_balanced']) {
    // Handle discrepancies
    foreach ($reconciliation['differences'] as $balanceType => $difference) {
        Log::warning("Balance discrepancy in {$balanceType}: {$difference['difference']}");
    }
    
    // Auto-fix if needed
    $walletManager->autoReconcileWallet($wallet);
}

User Balance Summary

// Get balance summary across all currencies
$summary = $walletManager->getBalanceSummary($user);

/*
Returns:
[
    [
        'currency' => 'USD',
        'total_wallets' => 3,
        'total_balance' => 5000.00,
        'available_balance' => 4500.00,
        'pending_balance' => 300.00,
        'frozen_balance' => 100.00,
        'trial_balance' => 100.00,
    ],
    [
        'currency' => 'EUR',
        'total_wallets' => 2,
        'total_balance' => 3000.00,
        // ...
    ]
]
*/

🗃️ Database Compatibility

The package is designed to work seamlessly with all major database systems:

Supported Databases

• MySQL: Full support with optimized foreign keys and JSON columns
• PostgreSQL: Native JSON support and advanced indexing
• SQLite: Compatible with text-based JSON storage for testing
• SQL Server: Full compatibility with proper data type handling

Migration Features

The migration files automatically detect your database type and apply appropriate optimizations:

// Automatic JSON column handling
if (config('database.default') === 'sqlite') {
    $table->text('meta')->nullable();  // SQLite compatibility
} else {
    $table->json('meta')->nullable();  // Native JSON for others
}

// Optimal decimal precision for all databases
$table->decimal('balance_available', 20, 8)->default(0);

// Timezone-aware timestamps where supported
if (config('database.default') === 'sqlite') {
    $table->timestamp('created_at')->useCurrent();
} else {
    $table->timestampTz('created_at')->useCurrent();
}

Configuration for Different Databases

// config/database.php

// MySQL configuration
'mysql' => [
    'driver' => 'mysql',
    'host' => env('DB_HOST', '127.0.0.1'),
    'port' => env('DB_PORT', '3306'),
    'database' => env('DB_DATABASE', 'wallet_app'),
    'username' => env('DB_USERNAME', 'root'),
    'password' => env('DB_PASSWORD', ''),
    'charset' => 'utf8mb4',
    'collation' => 'utf8mb4_unicode_ci',
    'options' => [
        PDO::ATTR_EMULATE_PREPARES => false,
        PDO::ATTR_STRINGIFY_FETCHES => false,
    ],
],

// PostgreSQL configuration
'pgsql' => [
    'driver' => 'pgsql',
    'host' => env('DB_HOST', '127.0.0.1'),
    'port' => env('DB_PORT', '5432'),
    'database' => env('DB_DATABASE', 'wallet_app'),
    'username' => env('DB_USERNAME', 'postgres'),
    'password' => env('DB_PASSWORD', ''),
    'charset' => 'utf8',
    'prefix' => '',
    'schema' => 'public',
],

// SQLite configuration (for testing)
'sqlite' => [
    'driver' => 'sqlite',
    'database' => database_path('wallet_app.sqlite'),
    'prefix' => '',
],

🎛️ Advanced Features

Attribute-Based Operation Validation

The package uses PHP attributes to provide operation-level validation and logging:

use HWallet\LaravelMultiWallet\Attributes\WalletOperation;
use HWallet\LaravelMultiWallet\Attributes\BulkOperation;

class CustomWalletService
{
    #[WalletOperation(
        operation: 'custom_credit',
        description: 'Custom credit operation with validation',
        requiresValidation: true,
        logTransaction: true,
        fireEvents: true,
        auditLog: true
    )]
    public function customCredit(Wallet $wallet, float $amount): Transaction
    {
        // Custom validation logic
        if ($amount > 10000) {
            throw new \InvalidArgumentException('Amount exceeds maximum limit');
        }
        
        return $wallet->credit($amount, 'available', [
            'operation' => 'custom_credit',
            'validated_by' => auth()->id(),
        ]);
    }
    
    #[BulkOperation(
        operation: 'bulk_custom_credit',
        batchSize: 50,
        useTransaction: true,
        validateBeforeExecute: true,
        enableRollback: true
    )]
    public function bulkCustomCredit(array $operations): array
    {
        // Bulk operation with custom logic
        return $this->processBulkOperations($operations);
    }
}

Multi-Model Wallet Support

The package supports wallets for any model type:

// User wallets
class User extends Model
{
    use HasWallets;
}

// Company wallets
#[WalletConfiguration(
    defaultCurrency: 'USD',
    allowedCurrencies: ['USD', 'EUR', 'GBP', 'JPY'],
    walletLimits: ['max_balance' => 1000000.00],
    enableBulkOperations: true
)]
class Company extends Model
{
    use HasWallets;
}

// Product escrow wallets
#[WalletConfiguration(
    defaultCurrency: 'USD',
    autoCreateWallet: true,
    walletName: 'Escrow',
    transactionLimits: ['max_amount' => 50000.00]
)]
class Product extends Model
{
    use HasWallets;
}

// Usage examples
$user = User::find(1);
$company = Company::find(1);
$product = Product::find(1);

// All models can use the same wallet operations
$userWallet = $user->createWallet('USD');
$companyWallet = $company->createWallet('USD');
$escrowWallet = $product->autoCreateWallet(); // Auto-creates based on configuration

// Transfer between different model types
$user->transferTo($company, 1000.00, 'USD', ['description' => 'Service payment']);
$company->transferTo($product, 500.00, 'USD', ['description' => 'Escrow deposit']);

🔧 Complete WalletConfiguration API Reference

The enhanced WalletConfiguration system provides comprehensive control over wallet behavior through PHP attributes and programmatic configuration.

Configuration Methods Reference

<?php

use HWallet\LaravelMultiWallet\Attributes\WalletConfiguration;

#[WalletConfiguration(
    defaultCurrency: 'USD',
    allowedCurrencies: ['USD', 'EUR', 'GBP'],
    balanceTypes: ['available', 'pending', 'frozen', 'trial'],
    autoCreateWallet: true,
    walletName: 'Primary Account',
    metadata: ['priority' => 'high', 'region' => 'global'],
    limits: ['max_wallets' => 5],
    enableEvents: true,
    enableAuditLog: true,
    feeConfiguration: ['default_rate' => 0.02, 'type' => 'percentage'],
    uniquenessEnabled: true,
    uniquenessStrategy: 'currency_holder',
    exchangeRateConfig: ['provider' => 'live_api', 'refresh_interval' => 3600],
    freezeRules: 'auto_freeze_suspicious_activity',
    transactionLimits: [
        'min_amount' => 0.01,
        'max_amount' => 50000.00,
        'daily_limit' => 100000.00
    ],
    walletLimits: [
        'max_balance' => 1000000.00,
        'min_balance' => 0.00
    ],
    enableBulkOperations: true,
    webhookSettings: [
        'url' => 'https://api.example.com/webhooks/wallet',
        'events' => ['transaction_created', 'balance_changed'],
        'secret' => 'webhook_secret_key'
    ],
    notificationSettings: [
        'email' => true,
        'sms' => false,
        'push' => true,
        'templates' => ['balance_low', 'large_transaction']
    ],
    securitySettings: [
        'require_2fa' => false,
        'auto_freeze_suspicious' => true,
        'suspicious_threshold' => 10000.00,
        'fraud_detection' => true
    ]
)]
class AdvancedUser extends User
{
    use HasWallets;
}

Full API Methods Available

<?php

$user = new AdvancedUser();

// === BASIC CONFIGURATION ACCESS ===
$defaultCurrency = $user->getDefaultCurrency();
$defaultWalletName = $user->getDefaultWalletName();
$allowedCurrencies = $user->getAllowedCurrencies();
$enabledBalanceTypes = $user->getEnabledBalanceTypes();

// === LIMITS AND VALIDATION ===
$maxBalance = $user->getMaxBalanceLimit();
$minBalance = $user->getMinBalanceLimit();
$maxTransaction = $user->getMaxTransactionAmount();
$minTransaction = $user->getMinTransactionAmount();
$dailyLimit = $user->getDailyTransactionLimit();

// Validation methods
$isValidAmount = $user->validateTransactionAmount(1000.00);
$isValidBalance = $user->validateWalletBalance(50000.00);

// === FEATURE FLAGS ===
$eventsEnabled = $user->areWalletEventsEnabled();
$auditEnabled = $user->isWalletAuditLogEnabled();
$bulkEnabled = $user->areBulkOperationsEnabled();
$uniquenessEnabled = $user->isUniquenessEnabled();

// === ADVANCED SETTINGS ===
$uniquenessStrategy = $user->getUniquenessStrategy();
$feeSettings = $user->getFeeCalculationSettings();
$exchangeConfig = $user->getExchangeRateConfig();
$webhookSettings = $user->getWebhookSettings();
$notificationSettings = $user->getNotificationSettings();
$securitySettings = $user->getSecuritySettings();
$freezeRules = $user->getFreezeRules();
$metadataSchema = $user->getMetadataSchema();

// === BALANCE TYPE MANAGEMENT ===
$isAvailableEnabled = $user->isBalanceTypeEnabled('available');
$isPendingEnabled = $user->isBalanceTypeEnabled('pending');
$isFrozenEnabled = $user->isBalanceTypeEnabled('frozen');
$isTrialEnabled = $user->isBalanceTypeEnabled('trial');

// === WALLET CREATION WITH VALIDATION ===
$validatedWallet = $user->createWalletWithValidation('USD', 'Validated Wallet');

// === CONFIGURATION INTEGRATION ===
$configInterface = $user->getWalletConfigurationInterface();
$user->syncWithGlobalConfiguration();

// === ENHANCED WALLET OPERATIONS ===
$defaultWallet = $user->getDefaultWalletFromConfig();
$autoCreatedWallet = $user->autoCreateWallet();
$multiCurrencyWallets = $user->createWalletsFromConfig();

// === VALIDATION OPERATIONS ===
$canAfford = $user->canAfford(500.00, 'USD', 'available');
$allTransfers = $user->getAllTransfers();
$totalBalance = $user->getTotalBalance('USD');

// === ENHANCED TRANSFER WITH VALIDATION ===
$transfer = $user->transferTo($recipient, 100.00, 'USD', [
    'description' => 'Validated transfer',
    'validate_limits' => true,
    'check_balance_type' => 'available'
]);

Configuration Value Access

<?php

// Direct configuration value access
$configValue = $user->getWalletConfigValue('any_config_key', 'default_value');

// Get all configuration as array
$allConfig = $user->getWalletConfiguration();

// Example configuration checks
if ($user->getWalletConfigValue('require_2fa_for_large_transfers')) {
    // Implement 2FA requirement
}

$suspiciousThreshold = $user->getWalletConfigValue('security_settings.suspicious_threshold', 5000.00);
$webhookUrl = $user->getWalletConfigValue('webhook_settings.url');
$emailNotifications = $user->getWalletConfigValue('notification_settings.email', true);

Global Configuration Override

<?php

use HWallet\LaravelMultiWallet\Contracts\WalletConfigurationInterface;

// Access global configuration
$globalConfig = app(WalletConfigurationInterface::class);

// Override global settings for specific operations
$globalConfig->set('transaction_limits.max_amount', 25000.00);
$globalConfig->merge([
    'security_settings' => [
        'auto_freeze_suspicious' => true,
        'suspicious_threshold' => 15000.00
    ]
]);

// Sync user configuration with updated global settings
$user->syncWithGlobalConfiguration();

⚙️ Configuration

Publish and customize the configuration file:

// config/multi-wallet.php
return [
    // Default settings
    'default_currency' => 'USD',
    'default_balance_type' => 'available',
    
    // Wallet constraints
    'wallet_limits' => [
        'max_balance' => null,           // No limit
        'min_balance' => 0,              // Cannot go negative
        'max_wallets_per_holder' => null // No limit
    ],
    
    // Transaction constraints
    'transaction_limits' => [
        'max_amount' => null,     // No limit
        'min_amount' => 0.01,     // Minimum transaction
    ],
    
    // Transfer settings
    'transfer_settings' => [
        'auto_confirm' => true,           // Auto-confirm transfers
        'max_fee_percentage' => 10,       // Max 10% fee
        'max_discount_percentage' => 100, // Max 100% discount
    ],
    
    // Supported currencies
    'supported_currencies' => [
        'USD', 'EUR', 'GBP', 'JPY', 'CAD', 'AUD', 'CHF', 'CNY'
    ],
    
    // Static exchange rates (use custom provider for dynamic rates)
    'exchange_rates' => [
        'USD_EUR' => 0.85,
        'EUR_USD' => 1.18,
        'USD_GBP' => 0.73,
        'GBP_USD' => 1.37,
    ],
    
    // Database table names
    'table_names' => [
        'wallets' => 'wallets',
        'transactions' => 'transactions',
        'transfers' => 'transfers',
    ],
    
    // Enable/disable features
    'features' => [
        'enforce_uniqueness' => false,    // One wallet per currency per holder
        'soft_deletes' => true,           // Soft delete support
        'uuid_generation' => true,        // Generate UUIDs
    ]
];

🔍 Query Scopes and Relationships

// Transaction queries
$wallet->transactions()
    ->confirmed()
    ->byType('credit')
    ->byBalanceType('available')
    ->where('amount', '>', 100)
    ->get();

// Transfer queries
$user->transfersFrom()
    ->confirmed()
    ->where('created_at', '>=', now()->subDays(30))
    ->get();

$user->transfersTo()
    ->pending()
    ->with(['from', 'deposit', 'withdraw'])
    ->get();

// Wallet queries with relationships
$wallets = Wallet::with(['holder', 'transactions', 'transfersFrom', 'transfersTo'])
    ->where('currency', 'USD')
    ->where('available_balance', '>', 1000)
    ->get();

🧪 Testing

The package includes comprehensive tests. Run them with:

# Run all tests
composer test

# Run with coverage
composer test-coverage

# Run specific test suite
vendor/bin/pest tests/Feature/WalletTest.php

# Run new feature tests
vendor/bin/pest tests/Feature/BulkOperationsTest.php
vendor/bin/pest tests/Feature/WalletAttributesTest.php

# Run with specific groups
./vendor/bin/pest --group=bulk-operations
./vendor/bin/pest --group=attributes
./vendor/bin/pest --group=events

Test Database Setup

// phpunit.xml or pest configuration
<php>
    <env name="DB_CONNECTION" value="sqlite"/>
    <env name="DB_DATABASE" value=":memory:"/>
</php>

Example Test Cases

<?php

// Testing bulk operations
test('it can perform bulk credit operations', function () {
    $operations = [
        ['wallet_id' => 1, 'amount' => 100.00],
        ['wallet_id' => 2, 'amount' => 200.00],
    ];
    
    $result = app(BulkWalletManager::class)->bulkCredit($operations);
    
    expect($result['success'])->toBeTrue();
    expect($result['successful_operations'])->toBe(2);
});

// Testing attributes
test('it can read wallet configuration from attributes', function () {
    $user = new UserWithWalletConfig();
    $config = $user->getWalletConfiguration();
    
    expect($config['default_currency'])->toBe('USD');
    expect($config['auto_create_wallet'])->toBeTrue();
});

📊 Performance Considerations

• Database Indexes: The package creates appropriate indexes for optimal query performance
• Eager Loading: Use with() to avoid N+1 queries when loading relationships
• Batch Operations: For bulk operations, consider using database transactions
• Caching: Consider caching exchange rates and wallet balances for high-traffic applications

// Efficient wallet loading
$users = User::with(['wallets.transactions' => function ($query) {
    $query->confirmed()->latest()->limit(10);
}])->get();

// Batch operations
DB::transaction(function () use ($transfers) {
    foreach ($transfers as $transferData) {
        $this->processTransfer($transferData);
    }
});

🔐 Security Best Practices

• Validation: Always validate amounts and currencies before operations
• Authorization: Implement proper authorization checks in your controllers
• Audit Trail: All transactions are automatically logged with metadata
• Immutable Records: Transactions are immutable once created

// Example authorization
Gate::define('transfer-funds', function ($user, $fromWallet) {
    return $user->id === $fromWallet->holder_id;
});

// Example validation
$request->validate([
    'amount' => 'required|numeric|min:0.01|max:10000',
    'currency' => 'required|in:USD,EUR,GBP',
    'recipient_id' => 'required|exists:users,id'
]);

🚀 Production Deployment

Before deploying to production:

1. Run migrations: Ensure all database migrations are applied
2. Configure queues: For high-volume applications, queue transaction processing
3. Set up monitoring: Monitor wallet balances and transaction volumes
4. Backup strategy: Implement regular database backups
5. Rate limiting: Implement rate limiting for transfer endpoints
6. Database optimization: Configure appropriate indexes for your database type
7. Event listeners: Set up event listeners for monitoring and notifications
8. Bulk operation limits: Configure appropriate batch sizes for bulk operations

Production Configuration Example

// config/multi-wallet.php
return [
    'default_currency' => 'USD',
    'default_balance_type' => 'available',
    
    // Production-optimized settings
    'wallet_limits' => [
        'max_balance' => 1000000.00,
        'min_balance' => 0,
        'max_wallets_per_holder' => 10
    ],
    
    'transaction_limits' => [
        'max_amount' => 50000.00,
        'min_amount' => 0.01,
    ],
    
    'transfer_settings' => [
        'auto_confirm' => false, // Manual confirmation for security
        'max_fee_percentage' => 5,
        'max_discount_percentage' => 50,
    ],
    
    'bulk_operations' => [
        'max_batch_size' => 100,
        'timeout_seconds' => 300,
        'enable_rollback' => true,
    ],
    
    'events' => [
        'enable_all_events' => true,
        'queue_events' => true, // Use queues for event processing
        'event_ttl' => 3600, // 1 hour TTL for event data
    ],
    
    'security' => [
        'suspicious_activity_threshold' => 10000.00,
        'auto_freeze_on_suspicious' => true,
        'require_2fa_for_large_transfers' => true,
        'large_transfer_threshold' => 5000.00,
    ],
    
    'monitoring' => [
        'enable_audit_log' => true,
        'log_all_transactions' => true,
        'enable_balance_reconciliation' => true,
        'reconciliation_frequency' => 'daily',
    ],
    
    'supported_currencies' => [
        'USD', 'EUR', 'GBP', 'JPY', 'CAD', 'AUD', 'CHF', 'CNY'
    ],
    
    'exchange_rates' => [
        'provider' => 'api', // Use external API for live rates
        'update_frequency' => 'hourly',
        'fallback_rates' => [
            'USD_EUR' => 0.85,
            'EUR_USD' => 1.18,
        ],
    ],
    
    'features' => [
        'enforce_uniqueness' => true,
        'soft_deletes' => true,
        'uuid_generation' => true,
        'enable_attributes' => true,
        'enable_bulk_operations' => true,
    ]
];

Monitoring and Alerting

// Set up event listeners for production monitoring
Event::listen(BulkOperationFailed::class, function ($event) {
    // Send alert to operations team
    Slack::to('#alerts')->send("Bulk operation failed: {$event->operationType}");
});

Event::listen(SuspiciousActivityDetected::class, function ($event) {
    // Immediate security alert
    SecurityTeam::alert($event);
});

Event::listen(WalletLimitExceeded::class, function ($event) {
    // Monitor for potential issues
    Log::warning("Wallet limit exceeded", [
        'wallet_id' => $event->wallet->id,
        'limit_type' => $event->limitType,
        'current_value' => $event->currentValue,
    ]);
});

🤝 Contributing

Contributions are welcome! Please see CONTRIBUTING.md for details.

🔒 Security

If you discover any security-related issues, please email mohamedhabibwork@gmail.com instead of using the issue tracker.

📄 License

The MIT License (MIT). Please see License File for more information.

🙏 Credits

• Mohamed Habib
• All Contributors

📚 Related Packages

• Laravel Cashier - For subscription billing
• Laravel Sanctum - For API authentication
• Spatie Laravel Permission - For role-based access control
• Laravel Horizon - For queue monitoring (recommended for bulk operations)
• Laravel Telescope - For debugging and monitoring

🔄 Migration Guide

From Previous Versions

If you're upgrading from a previous version of the package:

1. Update dependencies:

   composer update hwallet/laravel-multi-wallet
   

2. Publish new migrations:

   php artisan vendor:publish --provider="HWallet\LaravelMultiWallet\LaravelMultiWalletServiceProvider" --tag="migrations"
   php artisan migrate
   

3. Update configuration (if needed):

   php artisan vendor:publish --provider="HWallet\LaravelMultiWallet\LaravelMultiWalletServiceProvider" --tag="config"
   

4. Add attributes to models (optional but recommended):

   use HWallet\LaravelMultiWallet\Attributes\WalletConfiguration;
   
   #[WalletConfiguration(
       defaultCurrency: 'USD',
       autoCreateWallet: true
   )]
   class User extends Authenticatable
   {
       use HasWallets;
   }
   

5. Update event listeners (if you have custom listeners):

   // New events available
   Event::listen(BulkOperationStarted::class, function ($event) {
       // Handle bulk operation start
   });
   
   Event::listen(WalletConfigurationChanged::class, function ($event) {
       // Handle configuration changes
   });
   

Breaking Changes

• PHP 8.1+ Required: The package now requires PHP 8.1 or higher for attribute support
• New Service Provider Registration: The BulkWalletManager is now registered automatically
• Enhanced Event System: New events are available for bulk operations and configuration changes
• Database Compatibility: Migrations now support all major database types automatically

📈 Performance Benchmarks

Bulk Operations Performance

Database Performance

Benchmarks performed on standard hardware with 1000 concurrent users