Add payment risk scoring

tests/test_risk_scoring.py

@@ -0,0 +1,53 @@
+from datetime import datetime, timedelta, timezone
+from decimal import Decimal
+import unittest
+
+from src.application.domain.entities.user import UserEntity
+from src.application.services.risk_scoring import RiskScoringService
+
+
+class RiskScoringServiceTests(unittest.TestCase):
+    def test_individual_without_kyc_is_rejected_before_payment(self):
+        service = RiskScoringService()
+        user = UserEntity(
+            id="user_1",
+            account_type="individual",
+            kyc_verified=False,
+            created_at=datetime.now(timezone.utc) - timedelta(days=10),
+        )
+
+        assessment = service.assess_order(user=user, total_price=Decimal("1000.00"), recent_order_count=0)
+
+        self.assertEqual(assessment.decision, "reject")
+        self.assertIn("kyc_not_completed", assessment.reasons)
+
+    def test_recent_new_high_value_individual_goes_to_manual_review(self):
+        service = RiskScoringService()
+        user = UserEntity(
+            id="user_1",
+            account_type="individual",
+            kyc_verified=True,
+            created_at=datetime.now(timezone.utc) - timedelta(hours=2),
+        )
+
+        assessment = service.assess_order(user=user, total_price=Decimal("250000.00"), recent_order_count=6)
+
+        self.assertEqual(assessment.decision, "manual_review")
+        self.assertGreaterEqual(assessment.score, 60)
+        self.assertIn("new_account", assessment.reasons)
+        self.assertIn("large_amount", assessment.reasons)
+        self.assertIn("velocity_spike", assessment.reasons)
+
+    def test_legal_entity_is_not_scored(self):
+        service = RiskScoringService()
+        user = UserEntity(id="org_1", account_type="legal_entity", kyc_verified=False)
+
+        assessment = service.assess_order(user=user, total_price=Decimal("999999.00"), recent_order_count=99)
+
+        self.assertEqual(assessment.decision, "skip")
+        self.assertEqual(assessment.score, 0)
+        self.assertEqual(assessment.reasons, [])
+
+
+if __name__ == "__main__":
+    unittest.main()