#!/usr/bin/env bash
# Full withdraw + pay cycle; clear BLOCKERS when the path cannot finish.
# Skips remaining steps if overall budget exceeded (E2E_TIMEOUT, default 90s).
set -euo pipefail
ROOT=$(cd "$(dirname "$0")" && pwd)
# shellcheck source=lib.sh
source "$ROOT/lib.sh"

: "${E2E_TIMEOUT:=180}"  # ATM ladder + wirewatch lag needs room (was 55 — too tight)
: "${E2E_PAY_SECS:=22}"  # hard reserve for handle-uri + settle (do not starve pay)
: "${E2E_SETTLE_ROUNDS:=18}"
: "${E2E_SETTLE_SLEEP:=3}"
E2E_START=$(date +%s)
BAL_BEFORE="(not captured)"
BAL_AFTER="(not captured)"
E2E_REPORTED=0
e2e_left() { echo $(( E2E_TIMEOUT - ($(date +%s) - E2E_START) )); }
e2e_over() { [ "$(e2e_left)" -le 0 ]; }

# Fixed short timeout — used even when e2e budget is exhausted / on EXIT
# stdout only for JSON; logs go to stderr file so balance parse stays clean
wcli_bal_snap() {
  local out="$1"
  if [ -z "${WALLET_CLI:-}" ] || [ ! -f "${WDB:-}" ]; then
    echo "(no wallet)" >"$out"
    return 1
  fi
  local err="${out}.err"
  if command -v perl >/dev/null 2>&1; then
    perl -e 'alarm shift; exec @ARGV' 10 \
      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
      >"$out" 2>"$err" || true
  else
    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults balance \
      >"$out" 2>"$err" || true
  fi
  [ -s "$out" ]
}

fmt_bal() {
  python3 -c '
import json,re,sys
raw=open(sys.argv[1]).read() if sys.argv[1] else ""
if not raw.strip() or raw.strip().startswith("(no"):
  print(raw.strip() or "(empty)"); sys.exit(0)
# extract first JSON object with "balances"
d=None
for m in re.finditer(r"\{", raw):
  try:
    d=json.loads(raw[m.start():])
    if isinstance(d, dict) and "balances" in d:
      break
  except Exception:
    d=None
if not isinstance(d, dict):
  print(re.sub(r"\s+"," ", raw)[:200]); sys.exit(0)
parts=[]
for b in d.get("balances") or []:
  cur=(b.get("scopeInfo") or {}).get("currency") or "?"
  parts.append("%s avail=%s pendingIn=%s" % (cur, b.get("available"), b.get("pendingIncoming")))
print("; ".join(parts) if parts else "(no balances)")
' "${1:-/dev/null}" 2>/dev/null || echo "(unreadable)"
}

# Numeric available for currency CUR (from balance file or fresh wallet snap)
wallet_avail_num() {
  local f="${1:-}"
  if [ -z "$f" ] || [ ! -s "$f" ]; then
    f="$SCRATCH/bal-live.out"
    wcli_bal_snap "$f" || wcli balance >"$f" 2>&1 || true
  fi
  python3 -c '
import json,re,sys
cur=sys.argv[2]
raw=open(sys.argv[1]).read() if sys.argv[1] else ""
d=None
for m in re.finditer(r"\{", raw):
  try:
    d=json.loads(raw[m.start():])
    if isinstance(d, dict) and "balances" in d: break
  except Exception:
    d=None
if isinstance(d, dict):
  for b in d.get("balances") or []:
    c=(b.get("scopeInfo") or {}).get("currency") or ""
    av=b.get("available") or ""
    if c==cur or av.startswith(cur+":"):
      try:
        print(float(av.split(":",1)[1])); sys.exit(0)
      except Exception:
        pass
# text fallback
m=re.search(r"%s:([0-9]+(?:\.[0-9]+)?)" % re.escape(cur), raw)
print(float(m.group(1)) if m else 0.0)
' "${f:-/dev/null}" "${CUR:-GOA}" 2>/dev/null || echo 0
}

# Wait for spendable balance (settlement / wirewatch lag). Returns 0 if avail > min.
# Emphasizes timing, not hard failure, while waiting.
wait_wallet_balance() {
  local min_n="${1:-0}"
  local rounds="${2:-15}"
  local sleep_s="${3:-3}"
  local r av
  info "wallet settle wait" "up to ${rounds}×${sleep_s}s for avail>${min_n} ${CUR} (wirewatch lag is common)"
  for r in $(seq 1 "$rounds"); do
    wcli run-until-done >"$SCRATCH/settle-run.out" 2>&1 || true
    wcli_bal_snap "$SCRATCH/bal-live.out" || wcli balance >"$SCRATCH/bal-live.out" 2>&1 || true
    av=$(wallet_avail_num "$SCRATCH/bal-live.out")
    if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > float(sys.argv[2]) else 1)" "$av" "$min_n" 2>/dev/null; then
      ok "wallet balance ready" "avail=${CUR}:${av} after ~$((r * sleep_s))s settle wait"
      info "balance" "$(fmt_bal "$SCRATCH/bal-live.out")"
      return 0
    fi
    if [ "$r" = "1" ] || [ "$((r % 3))" = "0" ]; then
      info "settlement lag" "round $r/${rounds}: avail=${CUR}:${av} (still waiting — not an error yet)"
    fi
    # gentle wirewatch nudge mid-wait (local only)
    if [ "$r" = "4" ] || [ "$r" = "8" ]; then
      if [ "${E2E_REMOTE:-0}" != "1" ] && koopa_ssh_ok; then
        koopa_ssh_run 8 \
          'podman exec taler-hacktivism-exchange-ansible systemctl restart taler-exchange-wirewatch 2>/dev/null || true' \
          >/dev/null 2>&1 || true
      fi
    fi
    sleep "$sleep_s"
  done
  av=$(wallet_avail_num "$SCRATCH/bal-live.out")
  warn "settlement lag" "after ${rounds}×${sleep_s}s still avail=${CUR}:${av} — coins may still be in flight"
  return 1
}

print_balances() {
  section "e2e · wallet balances"
  info "BALANCE before" "$BAL_BEFORE"
  # refresh after if we can
  if [ -n "${SCRATCH:-}" ]; then
    wcli_bal_snap "$SCRATCH/bal-end.out" || true
    if [ -s "$SCRATCH/bal-end.out" ]; then
      BAL_AFTER=$(fmt_bal "$SCRATCH/bal-end.out")
    fi
  fi
  info "BALANCE after " "$BAL_AFTER"
}

e2e_finish() {
  local code="${1:-1}"
  if [ "$E2E_REPORTED" = "1" ]; then
    return "$code"
  fi
  E2E_REPORTED=1
  print_balances
  summary || true
  return "$code"
}

e2e_skip_rest() {
  local why="$1"
  warn "e2e timeout" "budget ${E2E_TIMEOUT}s exceeded — $why"
  blocker "e2e-timeout" "skipped remaining steps after ${E2E_TIMEOUT}s ($why)"
  section "e2e · report"
  info "WITHDRAW" "incomplete (timeout)"
  info "PAY" "SKIPPED (timeout)"
  # If we already started a withdrawal, dig inside for missing coins
  if [ -n "${WID:-}" ]; then
    dig_when_no_coins 2>/dev/null || true
  fi
  e2e_finish 1
  exit 1
}

# Area e2e-### — withdraw + pay cycle
set_area e2e
section "e2e · prerequisites"
info "e2e budget" "${E2E_TIMEOUT}s (set E2E_TIMEOUT= to change)"

# Remote domains (not koopa): public path only, tiny amounts, abort on login/KYC
: "${E2E_REMOTE:=0}"
if [ "${LOCAL_STACK:-1}" != "1" ]; then
  E2E_REMOTE=1
  SKIP_SSH=1
  E2E_FAKE_INCOMING=0
fi

# Currency for amounts / balance checks
CUR="${EXPECT_CURRENCY:-}"
if [ -z "$CUR" ]; then
  CUR=$(curl -skS -m 8 "$BANK_PUBLIC/config" 2>/dev/null | python3 -c 'import sys,json
try: print(json.load(sys.stdin).get("currency") or "")
except Exception: print("")' 2>/dev/null || true)
fi
[ -z "$CUR" ] && CUR=$(curl -skS -m 8 "$EXCHANGE_PUBLIC/config" 2>/dev/null | python3 -c 'import sys,json
try: print(json.load(sys.stdin).get("currency") or "")
except Exception: print("")' 2>/dev/null || true)
[ -z "$CUR" ] && CUR="GOA"

# ---------------------------------------------------------------------------
# Variable amounts
#   Withdraw = typical ATM notes only (Bankomat): 20 / 50 / 100 / 200 …
#   Pay      = several smaller purchase amounts
# Env:
#   E2E_WITHDRAW_VALUES="20 50 100"   # bare numbers → prefixed with CUR
#   E2E_PAY_VALUES="0.01 0.05 0.5 1 2 5"
#   E2E_VARIABLE=0                    # single fixed WITHDRAW_AMT / PAY_AMT
#   E2E_ATM_MAX=N                     # try at most N ATM withdraws (budget)
# ---------------------------------------------------------------------------
: "${E2E_VARIABLE:=1}"
: "${E2E_ATM_MAX:=4}"
if [ "$E2E_REMOTE" = "1" ]; then
  # remote: still ATM-shaped but smaller notes; keep cheap
  : "${E2E_WITHDRAW_VALUES:=10 20 50}"
  : "${E2E_PAY_VALUES:=0.01 0.05 0.1 1}"
else
  # local GOA: classic ATM denominations
  : "${E2E_WITHDRAW_VALUES:=20 50 100 200}"
  : "${E2E_PAY_VALUES:=0.01 0.05 0.1 0.5 1 2 5 10}"
fi

# Build CUR:amount lists
build_amt_list() {
  local cur="$1"; shift
  local v out=""
  for v in "$@"; do
    case "$v" in
      *:*) out="${out}${out:+ }$v" ;;
      *)   out="${out}${out:+ }${cur}:${v}" ;;
    esac
  done
  printf '%s' "$out"
}
# shellcheck disable=SC2086
WITHDRAW_LIST=$(build_amt_list "$CUR" $E2E_WITHDRAW_VALUES)
# shellcheck disable=SC2086
PAY_LIST=$(build_amt_list "$CUR" $E2E_PAY_VALUES)

if [ "$E2E_VARIABLE" != "1" ]; then
  if [ "$E2E_REMOTE" = "1" ]; then
    WITHDRAW_LIST="${WITHDRAW_AMT:-${CUR}:20}"
    PAY_LIST="${PAY_AMT:-${CUR}:0.01}"
  else
    WITHDRAW_LIST="${WITHDRAW_AMT:-${CUR}:20}"
    PAY_LIST="${PAY_AMT:-${CUR}:0.01}"
  fi
fi

# Credit = sum of planned ATM withdraws + small buffer for fees
CREDIT_AMT=$(python3 -c '
import sys
cur=sys.argv[1]
vals=sys.argv[2].split()
s=0.0
for a in vals:
  try: s += float(a.split(":",1)[-1])
  except Exception: pass
buf = max(10.0, s * 0.05)
print("%s:%g" % (cur, s + buf))
' "$CUR" "$WITHDRAW_LIST" 2>/dev/null || echo "${CUR}:100")

# First withdraw/pay for legacy single-step labels
WITHDRAW_AMT=$(printf '%s' "$WITHDRAW_LIST" | awk '{print $1}')
PAY_AMT=$(printf '%s' "$PAY_LIST" | awk '{print $1}')

# More wall time when running ATM ladder
if [ "$E2E_VARIABLE" = "1" ]; then
  n_w=$(printf '%s' "$WITHDRAW_LIST" | wc -w | tr -d ' ')
  n_p=$(printf '%s' "$PAY_LIST" | wc -w | tr -d ' ')
  need=$(( 40 + n_w * 35 + n_p * 20 ))
  if [ "${E2E_TIMEOUT}" -lt "$need" ]; then
    E2E_TIMEOUT=$need
  fi
  # cap ATM attempts
  WITHDRAW_LIST=$(printf '%s' "$WITHDRAW_LIST" | tr ' ' '\n' | head -n "$E2E_ATM_MAX" | tr '\n' ' ' | sed 's/ *$//')
fi

BANK_HOST=$(python3 -c 'from urllib.parse import urlparse; print(urlparse("'"$BANK_PUBLIC"'").hostname or "bank")' 2>/dev/null || echo bank)

SCRATCH=$(mktemp -d)
WDB="$SCRATCH/wallet.sqlite3"
export PATH="/opt/homebrew/bin:/usr/local/bin:$PATH"
# Always dump balances on any exit (timeout, blocker, signal, success)
trap 'ec=$?; e2e_finish "$ec"; rm -rf "$SCRATCH"; exit "$ec"' EXIT

# Abort cleanly on login / KYC / registration barriers (esp. remote domains)
e2e_abort_auth() {
  local step="$1" msg="$2"
  warn "$step" "$msg"
  blocker "$step" "abort (login/KYC): $msg"
  section "e2e · report"
  info "ABORTED" "login or KYC blocked further e2e — not retrying"
  info "hint" "remote e2e needs open bank registration + credit path; set E2E_BANK_ADMIN_PASS / E2E_MERCHANT_TOKEN if you have them"
  e2e_finish 1
  exit 1
}

is_auth_kyc_body() {
  # stdin or file arg: true if looks like login/KYC barrier
  local f="${1:-}"
  local t
  if [ -n "$f" ] && [ -f "$f" ]; then t=$(head -c 800 "$f" 2>/dev/null || true)
  else t=$(cat 2>/dev/null || true); fi
  printf '%s' "$t" | grep -qiE 'kyc|legitim|login required|unauthorized|forbidden|captcha|challenge|tan_|not.?allowed|registration.?disabled|admin.?only|permission.?denied|401|403'
}

WALLET_CLI=$(find_wallet_cli) || {
  blocker "prereq" "taler-wallet-cli not found (set WALLET_CLI=)"
  exit 1
}
ok "wallet-cli ($WALLET_CLI)"
info "e2e mode" "$([ "$E2E_REMOTE" = "1" ] && echo "remote/public domain (no SSH)" || echo "local koopa stack")"
info "currency" "$CUR"
info "ATM withdraw ladder" "$WITHDRAW_LIST  (credit $CREDIT_AMT)"
info "pay ladder" "$PAY_LIST"
info "e2e budget" "${E2E_TIMEOUT}s"

# Local stack: koopa secrets. Remote: only explicit env (never leak local passwords to foreign banks).
if [ "$E2E_REMOTE" = "1" ]; then
  ADMIN_PASS="${E2E_BANK_ADMIN_PASS:-}"
  MPW="${E2E_MERCHANT_TOKEN:-${MERCHANT_TOKEN:-}}"
else
  ADMIN_PASS="${E2E_BANK_ADMIN_PASS:-$(read_secret "taler-bank/bank-admin-password.txt" || true)}"
  MPW="${E2E_MERCHANT_TOKEN:-${MERCHANT_TOKEN:-$(read_secret "taler-merchant/merchant-goa-demo-cp4zqk-password.txt" || true)}}"
fi
if [ -n "$ADMIN_PASS" ]; then
  ok "bank admin secret"
elif [ "$E2E_REMOTE" = "1" ]; then
  warn "bank admin secret" "missing — will try public registration only"
else
  blocker "prereq" "bank admin password missing (SECRETS_ROOT or koopa /root)"
  exit 1
fi
if [ -n "$MPW" ]; then
  ok "merchant secret (instance ${MERCHANT_INSTANCE})"
elif [ "$E2E_REMOTE" = "1" ]; then
  warn "merchant secret" "missing — order create may fail (set E2E_MERCHANT_TOKEN)"
else
  blocker "prereq" "merchant instance password missing"
  exit 1
fi

# Public reachability gates (remote: soft-skip if bank/merchant absent)
for pair in \
  "bank|$BANK_PUBLIC/config" \
  "exchange|$EXCHANGE_PUBLIC/config" \
  "exchange-keys|$EXCHANGE_PUBLIC/keys" \
  "bank-integration|$BANK_PUBLIC/taler-integration/config" \
  "merchant|$MERCHANT_PUBLIC/config"
do
  IFS='|' read -r name url <<<"$pair"
  code=$(http_code "$url")
  if [ "$code" = "200" ]; then
    ok "reachable $name"
  else
    if [ "$E2E_REMOTE" = "1" ] && [[ "$name" == bank* || "$name" == merchant ]]; then
      warn "reachable $name" "HTTP $code — e2e may abort"
    else
      blocker "prereq" "$name HTTP $code ($url) — cannot start payment cycle"
    fi
  fi
done
# Remote: need at least bank+exchange+merchant for a full cycle
if [ "$E2E_REMOTE" = "1" ]; then
  bc=$(http_code "$BANK_PUBLIC/config")
  ec=$(http_code "$EXCHANGE_PUBLIC/config")
  mc=$(http_code "$MERCHANT_PUBLIC/config")
  if [ "$bc" != "200" ] || [ "$ec" != "200" ]; then
    e2e_abort_auth "prereq" "bank/exchange not publicly usable (bank=$bc exchange=$ec) — skip e2e"
  fi
  if [ "$mc" != "200" ]; then
    warn "prereq" "merchant HTTP $mc — will try withdraw only if possible"
  fi
fi
if [ "${#BLOCKERS[@]}" -gt 0 ]; then
  exit 1
fi

USER="mon$(date +%s | tail -c 6)"
USER_PW=$(python3 -c 'import secrets;print(secrets.token_urlsafe(10))')
info "e2e user" "$USER  withdraw=$WITHDRAW_AMT pay=$PAY_AMT"
BANK="$BANK_PUBLIC"
INST="$MERCHANT_INSTANCE"

# $1 = max seconds for this call (optional); rest = wallet-cli args
wcli() {
  local maxc=12
  if [[ "${1:-}" =~ ^[0-9]+$ ]]; then
    maxc=$1
    shift
  fi
  e2e_over && return 124
  local cap
  cap=$(e2e_left)
  [ "$cap" -gt "$maxc" ] && cap=$maxc
  [ "$cap" -lt 3 ] && return 124
  if command -v perl >/dev/null 2>&1; then
    perl -e 'alarm shift; exec @ARGV' "$cap" \
      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
  else
    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
  fi
}

# Pay must not be starved: use reserved seconds even if global budget is tight
wcli_pay() {
  local cap=$E2E_PAY_SECS
  local left
  left=$(e2e_left)
  if [ "$left" -gt "$cap" ]; then
    cap=$E2E_PAY_SECS
  elif [ "$left" -ge 8 ]; then
    cap=$left
  else
    # still try once with floor 12s so Alarm clock is not the blocker
    cap=12
  fi
  info "pay wallet cap" "${cap}s"
  if command -v perl >/dev/null 2>&1; then
    perl -e 'alarm shift; exec @ARGV' "$cap" \
      node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
  else
    node "$WALLET_CLI" --wallet-db="$WDB" --no-throttle --skip-defaults "$@"
  fi
}

# When coins never become available: run inside + targeted bank/exchange dig
dig_when_no_coins() {
  section "e2e · coins missing — inside dig"
  info "reason" "wallet empty after withdraw path (often wirewatch timing) — probing bank + exchange"
  if [ -n "${WID:-}" ]; then
    curl -sS -m 6 -o "$SCRATCH/wd-dig.json" \
      "$BANK_PUBLIC/taler-integration/withdrawal-operation/${WID}" 2>/dev/null || true
    info "backend withdrawal-operation" "$(python3 -c '
import json
try:
 d=json.load(open("'"$SCRATCH"'/wd-dig.json"))
 print("status=%s transfer_done=%s selection_done=%s amount=%s reserve=%s" % (
  d.get("status"), d.get("transfer_done"), d.get("selection_done"),
  d.get("amount"), (d.get("selected_reserve_pub") or "-")[:24]))
except Exception as e:
 print("unreadable", e)
' 2>/dev/null)"
  fi
  # Full component inside report (capped SSH; ignore its exit)
  if [ "${SKIP_SSH}" != "1" ] && [ -x "$ROOT/check_inside.sh" ]; then
    info "inside" "running check_inside.sh …"
    # subshell so its PASS_N/FAIL_N/summary don't poison ours; still print to stdout
    (
      # shellcheck disable=SC2030
      "$ROOT/check_inside.sh" || true
    ) || true
  else
    warn "inside" "skipped (SKIP_SSH=1 or check_inside.sh missing)"
  fi
  # Extra targeted: wirewatch + recent journal + bank→exchange path
  if koopa_ssh_ok; then
    section "e2e · coins missing — exchange/bank focus"
    DIG=$(koopa_ssh_bash 15 <<'REMOTE' || true
set +e
emit() { printf 'D|%s|%s\n' "$1" "$(printf '%s' "$2" | tr '\n' ' ' | head -c 220)"; }
EX=$(podman ps --format '{{.Names}}' | grep -i exchange | head -1)
BANK=$(podman ps --format '{{.Names}}' | grep -iE 'hacktivism-bank|taler-bank' | head -1)
[ -z "$BANK" ] && BANK=$(podman ps --format '{{.Names}}' | grep -i bank | head -1)
if [ -n "$EX" ]; then
  podman exec "$EX" pgrep -af taler-exchange-wirewatch 2>/dev/null | head -1 | \
    { read -r l; [ -n "$l" ] && emit OK "wirewatch: $l" || emit ERROR "wirewatch not running"; }
  podman exec "$EX" pgrep -af taler-exchange-transfer 2>/dev/null | head -1 | \
    { read -r l; [ -n "$l" ] && emit OK "transfer: $l" || emit WARN "transfer not running"; }
  podman exec "$EX" pgrep -af taler-exchange-aggregator 2>/dev/null | head -1 | \
    { read -r l; [ -n "$l" ] && emit OK "aggregator: $l" || emit WARN "aggregator not running"; }
  # last wirewatch log lines if journal available
  j=$(podman exec "$EX" bash -c 'journalctl -u "taler-exchange-wirewatch*" -n 8 --no-pager 2>/dev/null | tail -5' 2>/dev/null | tr '\n' ';' | head -c 280)
  [ -n "$j" ] && emit INFO "wirewatch journal: $j"
  # reserve lookup via exchange if tools exist (best-effort)
  c=$(curl -sS -m 3 -o /dev/null -w '%{http_code}' http://127.0.0.1:9011/keys 2>/dev/null || echo 000)
  emit INFO "exchange /keys HTTP $c"
else
  emit ERROR "no exchange container"
fi
if [ -n "$BANK" ]; then
  podman exec "$BANK" pgrep -af 'MainKt serve|libeufin-bank serve' 2>/dev/null | head -1 | \
    { read -r l; [ -n "$l" ] && emit OK "libeufin: $l" || emit ERROR "libeufin not running"; }
  c=$(curl -sS -m 3 -o /dev/null -w '%{http_code}' http://127.0.0.1:9012/taler-integration/config 2>/dev/null || echo 000)
  emit INFO "bank integration /config HTTP $c"
else
  emit ERROR "no bank container"
fi
REMOTE
)
    while IFS= read -r line; do
      case "$line" in
        D\|*)
          IFS="|" read -r _ lvl msg <<<"$line"
          case "$lvl" in
            OK) ok "dig $msg" ;;
            ERROR) err "dig" "$msg" ;;
            WARN) warn "dig" "$msg" ;;
            INFO) info "dig" "$msg" ;;
          esac
          ;;
      esac
    done <<<"$DIG"
  fi
}

# Baseline wallet balance (empty DB) — always shown even if we abort later
wcli_bal_snap "$SCRATCH/bal-before.out" || true
BAL_BEFORE=$(fmt_bal "$SCRATCH/bal-before.out")
info "BALANCE before" "$BAL_BEFORE"

# ---------------------------------------------------------------------------
section "e2e · bank (account · credit · withdraw)"
# ---------------------------------------------------------------------------
AT=""
if [ -n "${ADMIN_PASS:-}" ]; then
  AT=$(curl -sS -m 15 -u "admin:${ADMIN_PASS}" -H 'Content-Type: application/json' \
    -d '{"scope":"readwrite"}' \
    "$BANK/accounts/admin/token" 2>"$SCRATCH/at.err" | python3 -c 'import sys,json;print(json.load(sys.stdin).get("access_token",""))' 2>/dev/null || true)
fi
if [ -n "$AT" ]; then
  ok "admin token"
elif [ "$E2E_REMOTE" = "1" ]; then
  warn "admin token" "unavailable — trying open registration"
else
  if is_auth_kyc_body "$SCRATCH/at.err"; then
    e2e_abort_auth "bank-auth" "admin login blocked (KYC/auth) — $(head -c 80 "$SCRATCH/at.err" 2>/dev/null)"
  fi
  blocker "bank-auth" "admin token failed — check admin password / bank up ($(head -c 80 "$SCRATCH/at.err" 2>/dev/null))"
  exit 1
fi

# Create account: with admin bearer if we have it, else unauthenticated registration (demo banks)
if [ -n "$AT" ]; then
  code=$(curl -sS -m 15 -o "$SCRATCH/acc.json" -w '%{http_code}' -X POST \
    -H "Authorization: Bearer $AT" -H 'Content-Type: application/json' \
    -d "{\"username\":\"${USER}\",\"password\":\"${USER_PW}\",\"name\":\"Monitoring\",\"is_public\":false,\"is_taler_exchange\":false,\"debit_threshold\":\"${CUR}:1000\"}" \
    "$BANK/accounts")
else
  code=$(curl -sS -m 15 -o "$SCRATCH/acc.json" -w '%{http_code}' -X POST \
    -H 'Content-Type: application/json' \
    -d "{\"username\":\"${USER}\",\"password\":\"${USER_PW}\",\"name\":\"Monitoring\",\"is_public\":false,\"is_taler_exchange\":false,\"debit_threshold\":\"${CUR}:1000\"}" \
    "$BANK/accounts")
fi
if [ "$code" = "200" ] || [ "$code" = "201" ]; then
  ok "create account $USER"
elif [ "$code" = "401" ] || [ "$code" = "403" ] || is_auth_kyc_body "$SCRATCH/acc.json"; then
  e2e_abort_auth "bank-account" "registration/login blocked HTTP $code — $(head -c 100 "$SCRATCH/acc.json" | tr '\n' ' ')"
else
  if [ "$E2E_REMOTE" = "1" ]; then
    e2e_abort_auth "bank-account" "POST /accounts HTTP $code — cannot open account on this domain"
  fi
  blocker "bank-account" "POST /accounts HTTP $code — $(head -c 100 "$SCRATCH/acc.json" | tr '\n' ' ')"
  exit 1
fi

if [ -n "$AT" ]; then
  export USER_NAME="$USER" CREDIT_AMT="$CREDIT_AMT" OUT="$SCRATCH/credit.json" BANK_HOST="$BANK_HOST"
  python3 - <<'PY'
import json, os
ALPH = "0123456789ABCDEFGHJKMNPQRSTVWXYZ"
def crock32(b):
  bits = val = 0; o = []
  for byte in b:
    val = (val << 8) | byte; bits += 8
    while bits >= 5:
      bits -= 5; o.append(ALPH[(val >> bits) & 31])
  if bits: o.append(ALPH[(val << (5 - bits)) & 31])
  return "".join(o)
uid = crock32(os.urandom(32))
user = os.environ["USER_NAME"]
host = os.environ.get("BANK_HOST") or "bank"
json.dump({
  "payto_uri": f"payto://x-taler-bank/{host}/{user}?receiver-name={user}&message=mon",
  "amount": os.environ["CREDIT_AMT"],
  "request_uid": uid,
}, open(os.environ["OUT"], "w"))
PY
  curl -sS -m 15 -o "$SCRATCH/credit.out" -H "Authorization: Bearer $AT" \
    -H 'Content-Type: application/json' -d @"$SCRATCH/credit.json" \
    "$BANK/accounts/admin/transactions" >/dev/null || true
  if grep -q row_id "$SCRATCH/credit.out" 2>/dev/null; then
    ok "credit $CREDIT_AMT → $USER"
  else
    if is_auth_kyc_body "$SCRATCH/credit.out"; then
      e2e_abort_auth "bank-credit" "admin credit blocked (KYC/auth)"
    fi
    if [ "$E2E_REMOTE" = "1" ]; then
      e2e_abort_auth "bank-credit" "admin transfer failed — no credit path on remote ($(head -c 80 "$SCRATCH/credit.out" | tr '\n' ' '))"
    fi
    blocker "bank-credit" "admin transfer failed — $(head -c 100 "$SCRATCH/credit.out" | tr '\n' ' ')"
    exit 1
  fi
else
  # No admin: remote demo may start funded or require cash-in — try withdraw later; warn
  warn "bank-credit" "skipped (no admin) — withdraw may fail without balance"
fi

UT=$(curl -sS -m 15 -u "${USER}:${USER_PW}" -H 'Content-Type: application/json' \
  -d '{"scope":"readwrite"}' \
  "$BANK/accounts/${USER}/token" 2>"$SCRATCH/ut.err" | python3 -c 'import sys,json;print(json.load(sys.stdin).get("access_token",""))' 2>/dev/null || true)
if [ -n "$UT" ]; then
  ok "user token"
elif is_auth_kyc_body "$SCRATCH/ut.err" || is_auth_kyc_body /dev/null; then
  e2e_abort_auth "bank-auth" "user token failed (login/KYC) for $USER"
else
  e2e_abort_auth "bank-auth" "user token failed for $USER — $(head -c 80 "$SCRATCH/ut.err" 2>/dev/null)"
fi

# ---------------------------------------------------------------------------
section "e2e · wallet setup (exchange + ToS once)"
# ---------------------------------------------------------------------------
if ! wcli exchanges add "${EXCHANGE_PUBLIC}/" >"$SCRATCH/ex-add.out" 2>&1; then
  if ! grep -qiE 'already|ok' "$SCRATCH/ex-add.out"; then
    blocker "wallet-exchange" "exchanges add failed — $(tail -c 160 "$SCRATCH/ex-add.out" | tr '\n' ' ')"
  else
    ok "wallet exchange known"
  fi
else
  ok "wallet add exchange"
fi
wcli exchanges update "${EXCHANGE_PUBLIC}/" >"$SCRATCH/ex-up.out" 2>&1 || true
if wcli exchanges accept-tos "${EXCHANGE_PUBLIC}/" >"$SCRATCH/ex-tos.out" 2>&1; then
  ok "wallet accept ToS"
else
  if grep -qiE 'pending|tos|terms' "$SCRATCH/ex-tos.out"; then
    blocker "wallet-tos" "accept-tos failed — wallet may refuse withdraw ($(tail -c 120 "$SCRATCH/ex-tos.out" | tr '\n' ' '))"
  else
    warn "wallet accept ToS" "$(tail -c 80 "$SCRATCH/ex-tos.out" | tr '\n' ' ')"
  fi
fi

wd_status() {
  curl -sS -m 8 -o "$SCRATCH/wd-st.json" -w '' \
    "$BANK/taler-integration/withdrawal-operation/${WID}" 2>/dev/null || true
  python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-st.json"));print(d.get("status",""))' 2>/dev/null || true
}
wd_status_detail() {
  python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-st.json"))
print("status=%s reserve=%s exchange=%s" % (
  d.get("status"),
  (d.get("selected_reserve_pub") or "-")[:20],
  (d.get("selected_exchange") or d.get("selected_exchange_account") or "-")[:60],
))' 2>/dev/null || echo "(no status body)"
}

fake_incoming_speedup() {
  [ "${E2E_FAKE_INCOMING}" = "1" ] || return 0
  st=$(wd_status)
  RPUB=$(python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-st.json"));print(d.get("selected_reserve_pub") or "")' 2>/dev/null || true)
  AMT=$(python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-st.json"));print(d.get("amount") or "'"$WITHDRAW_AMT"'")' 2>/dev/null || echo "$WITHDRAW_AMT")
  DEBIT=$(python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-st.json"));print(d.get("sender_wire") or "")' 2>/dev/null || true)
  [ -z "$DEBIT" ] && DEBIT="payto://x-taler-bank/${BANK_HOST}/${USER}?receiver-name=${USER}"
  [ -z "$RPUB" ] && return 0
  [ -z "${AT:-}" ] && return 0
  WG="${BANK}/accounts/exchange/taler-wire-gateway/admin/add-incoming"
  curl -sS -m 10 -o "$SCRATCH/fake-in.json" -w '%{http_code}' -X POST \
    -H "Authorization: Bearer $AT" -H 'Content-Type: application/json' \
    -d "{\"amount\":\"${AMT}\",\"reserve_pub\":\"${RPUB}\",\"debit_account\":\"${DEBIT}\"}" \
    "$WG" >/dev/null || true
  if [ "$E2E_REMOTE" != "1" ] && koopa_ssh_ok; then
    koopa_ssh_run 22 \
      'podman exec taler-hacktivism-exchange-ansible bash -c "runuser -u taler-exchange-wire -- timeout 15 taler-exchange-wirewatch -c /etc/taler-exchange/taler-exchange.conf -t -L INFO 2>&1 | tail -5"' \
      >/dev/null 2>&1 || true
  fi
}

# One ATM-style withdraw: create → accept → select → confirm → settle
# returns 0 on wallet balance increase, 1 on soft fail (ladder continues)
e2e_one_withdraw() {
  WITHDRAW_AMT="$1"
  local tag
  tag=$(printf '%s' "$WITHDRAW_AMT" | tr '.:' '__')
  section "e2e · ATM withdraw $WITHDRAW_AMT"
  e2e_over && { warn "ATM withdraw" "budget exhausted — skip $WITHDRAW_AMT"; return 1; }

  curl -sS -m 15 -o "$SCRATCH/wd-$tag.json" -H "Authorization: Bearer $UT" \
    -H 'Content-Type: application/json' \
    -d "{\"amount\":\"${WITHDRAW_AMT}\",\"exchange_url\":\"${EXCHANGE_PUBLIC}/\"}" \
    "$BANK/accounts/${USER}/withdrawals"
  WID=$(python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-'"$tag"'.json"));print(d.get("withdrawal_id") or d.get("id") or "")' 2>/dev/null || true)
  URI=$(python3 -c 'import json;d=json.load(open("'"$SCRATCH"'/wd-'"$tag"'.json"));print(d.get("taler_withdraw_uri") or "")' 2>/dev/null || true)
  URI_CLEAN=$(python3 -c 'import json;u=json.load(open("'"$SCRATCH"'/wd-'"$tag"'.json")).get("taler_withdraw_uri") or "";print(u.replace(":443/","/"))' 2>/dev/null || true)
  if [ -z "$WID" ] || [ -z "$URI_CLEAN" ]; then
    warn "ATM withdraw $WITHDRAW_AMT" "create failed — $(head -c 80 "$SCRATCH/wd-$tag.json" | tr '\n' ' ')"
    return 1
  fi
  ok "ATM withdrawal created $WITHDRAW_AMT ($WID)"
  cp "$SCRATCH/wd-$tag.json" "$SCRATCH/wd.json"

  USE_URI="$URI"
  [ -z "$USE_URI" ] && USE_URI="$URI_CLEAN"
  if wcli withdraw accept-uri --exchange "${EXCHANGE_PUBLIC}/" "$USE_URI" >"$SCRATCH/accept-$tag.out" 2>&1; then
    ok "wallet accept $WITHDRAW_AMT"
  elif [ "$USE_URI" != "$URI_CLEAN" ] && [ -n "$URI_CLEAN" ] \
    && wcli withdraw accept-uri --exchange "${EXCHANGE_PUBLIC}/" "$URI_CLEAN" >"$SCRATCH/accept-$tag.out" 2>&1; then
    ok "wallet accept $WITHDRAW_AMT (no :443)"
  else
    warn "ATM withdraw $WITHDRAW_AMT" "accept-uri failed — $(tail -c 100 "$SCRATCH/accept-$tag.out" | tr '\n' ' ')"
    return 1
  fi
  cp "$SCRATCH/accept-$tag.out" "$SCRATCH/accept.out"

  st=""
  for i in 1 2 3 4; do
    e2e_over && break
    wcli run-until-done >"$SCRATCH/sel-$tag-$i.out" 2>&1 || true
    st=$(wd_status)
    case "$st" in selected|confirmed|aborted) break ;; esac
  done
  if [ "$st" != "selected" ] && [ "$st" != "confirmed" ]; then
    wcli transactions >"$SCRATCH/tx-pre.json" 2>&1 || true
    RPUB=$(python3 -c '
import re
t=open("'"$SCRATCH"'/accept.out").read()+open("'"$SCRATCH"'/tx-pre.json").read()
m=re.search(r"reserve[_ ]?pub[\"=: ]+([A-Z0-9]{40,})", t, re.I)
if not m: m=re.search(r"\"reservePub\"\s*:\s*\"([^\"]+)\"", t)
print(m.group(1) if m else "")
' 2>/dev/null || true)
    EPAYTO=$(curl -sS -m 12 "$EXCHANGE_PUBLIC/keys" 2>/dev/null | python3 -c '
import json,sys
d=json.load(sys.stdin)
acc=d.get("accounts") or []
for a in acc:
  p=a.get("payto_uri") or a.get("payto_address") or ""
  if "x-taler-bank" in p or "exchange" in p:
    print(p); break
else:
  if acc: print(acc[0].get("payto_uri") or "")
' 2>/dev/null || true)
    if [ -n "$RPUB" ] && [ -n "$EPAYTO" ]; then
      curl -sS -m 12 -o "$SCRATCH/sel.json" -X POST \
        -H 'Content-Type: application/json' \
        -d "{\"reserve_pub\":\"$RPUB\",\"selected_exchange\":\"$EPAYTO\"}" \
        "$BANK/taler-integration/withdrawal-operation/${WID}" >/dev/null || true
      st=$(wd_status)
    fi
  fi
  if [ "$st" != "selected" ] && [ "$st" != "confirmed" ]; then
    warn "ATM withdraw $WITHDRAW_AMT" "not selected (status=${st:-?})"
    return 1
  fi
  if [ "$st" != "confirmed" ]; then
    code=$(curl -sS -m 15 -o "$SCRATCH/conf-$tag.json" -w '%{http_code}' -X POST \
      -H "Authorization: Bearer $UT" -H 'Content-Type: application/json' -d '{}' \
      "$BANK/accounts/${USER}/withdrawals/${WID}/confirm")
    case "$code" in
      200|204) ok "bank confirm $WITHDRAW_AMT" ;;
      *) warn "ATM withdraw $WITHDRAW_AMT" "confirm HTTP $code"; return 1 ;;
    esac
  fi
  fake_incoming_speedup

  # Short per-ATM poll; full settle wait happens after the ladder (avoids false FAIL)
  local ok_bal=0 r av
  for r in 1 2 3 4 5 6; do
    wcli run-until-done >"$SCRATCH/run-$tag-$r.out" 2>&1 || true
    wcli_bal_snap "$SCRATCH/bal-$tag.out" || wcli balance >"$SCRATCH/bal-$tag.out" 2>&1 || true
    av=$(wallet_avail_num "$SCRATCH/bal-$tag.out")
    if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > 0 else 1)" "$av" 2>/dev/null; then
      ok_bal=1
      ok "wallet funded after ATM $WITHDRAW_AMT" "avail=${CUR}:${av}"
      info "balance" "$(fmt_bal "$SCRATCH/bal-$tag.out")"
      break
    fi
    sleep 2
  done
  if [ "$ok_bal" = "1" ]; then
    return 0
  fi
  # Bank side often already confirmed — treat as timing lag, not hard fail
  st=$(wd_status)
  if [ "$st" = "confirmed" ]; then
    warn "ATM withdraw $WITHDRAW_AMT" "bank confirmed; wallet not funded yet (settlement timing — will recheck later)"
    return 2
  fi
  warn "ATM withdraw $WITHDRAW_AMT" "no wallet balance yet (status=${st:-?})"
  return 1
}

# One variable payment amount
e2e_one_pay() {
  PAY_AMT="$1"
  local tag
  tag=$(printf '%s' "$PAY_AMT" | tr '.:' '__')
  section "e2e · pay $PAY_AMT"
  e2e_over && { warn "pay" "budget exhausted — skip $PAY_AMT"; return 1; }
  if [ -z "${MPW:-}" ]; then
    warn "pay $PAY_AMT" "no merchant token"
    return 1
  fi
  AUTH="Authorization: Bearer secret-token:${MPW}"
  curl -skS -m 15 -o "$SCRATCH/ord-$tag.json" -X POST \
    -H "$AUTH" -H 'Content-Type: application/json' \
    -d "{\"order\":{\"summary\":\"monitoring pay ${PAY_AMT}\",\"amount\":\"${PAY_AMT}\",\"fulfillment_message\":\"ok\"},\"create_token\":true}" \
    "${MERCHANT_PUBLIC}/instances/${INST}/private/orders" 2>"$SCRATCH/ord-$tag.err" || true
  if ! grep -q order_id "$SCRATCH/ord-$tag.json" 2>/dev/null; then
    if [ "$E2E_REMOTE" != "1" ] && koopa_ssh_ok; then
      koopa_ssh_run 20 \
        "curl -skS -m 12 -X POST -H 'Authorization: Bearer secret-token:${MPW}' -H 'Content-Type: application/json' -d '{\"order\":{\"summary\":\"monitoring pay\",\"amount\":\"${PAY_AMT}\",\"fulfillment_message\":\"ok\"},\"create_token\":true}' 'https://127.0.0.1:9010/instances/${INST}/private/orders'" \
        >"$SCRATCH/ord-$tag.json" 2>"$SCRATCH/ord-$tag.err" || true
    fi
  fi
  OID=$(python3 -c 'import json,re,sys;t=open(sys.argv[1]).read()
try: print(json.loads(t).get("order_id") or "")
except Exception:
 m=re.search(r"\"order_id\"\s*:\s*\"([^\"]+)\"",t); print(m.group(1) if m else "")
' "$SCRATCH/ord-$tag.json" 2>/dev/null || true)
  OTOK=$(python3 -c 'import json,re,sys;t=open(sys.argv[1]).read()
try: print(json.loads(t).get("token") or "")
except Exception:
 m=re.search(r"\"token\"\s*:\s*\"([^\"]+)\"",t); print(m.group(1) if m else "")
' "$SCRATCH/ord-$tag.json" 2>/dev/null || true)
  if [ -z "$OID" ]; then
    if is_auth_kyc_body "$SCRATCH/ord-$tag.json"; then
      e2e_abort_auth "merchant-order" "merchant auth/KYC on pay $PAY_AMT"
    fi
    warn "pay $PAY_AMT" "order create failed — $(head -c 80 "$SCRATCH/ord-$tag.json" | tr '\n' ' ')"
    return 1
  fi
  ok "merchant order $OID ($PAY_AMT)"
  curl -skS -m 12 -o "$SCRATCH/ord-det-$tag.json" -H "$AUTH" \
    "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
  PAYURI=$(python3 -c 'import json,sys
try: print(json.load(open(sys.argv[1])).get("taler_pay_uri") or "")
except Exception: print("")
' "$SCRATCH/ord-det-$tag.json" 2>/dev/null || true)
  if [ -z "$PAYURI" ] && [ -n "$OTOK" ]; then
    MH=$(python3 -c 'from urllib.parse import urlparse; print(urlparse("'"$MERCHANT_PUBLIC"'").hostname or "taler.hacktivism.ch")' 2>/dev/null || echo "taler.hacktivism.ch")
    PAYURI="taler://pay/${MH}/instances/${INST}/${OID}/?c=${OTOK}"
  fi
  if [ -z "$PAYURI" ]; then
    warn "pay $PAY_AMT" "no pay URI for $OID"
    return 1
  fi
  if ! wcli_pay handle-uri --yes "$PAYURI" >"$SCRATCH/pay-$tag.out" 2>&1; then
    warn "pay $PAY_AMT" "handle-uri failed — $(tail -c 100 "$SCRATCH/pay-$tag.out" | tr '\n' ' ')"
    return 1
  fi
  ok "wallet handle pay $PAY_AMT"
  local r
  for r in 1 2 3; do
    wcli_pay run-until-done >"$SCRATCH/pay-run-$tag.out" 2>&1 || true
    wcli_pay transactions >"$SCRATCH/tx-$tag.out" 2>&1 || true
    curl -skS -m 8 -o "$SCRATCH/ord-paid-$tag.json" -H "$AUTH" \
      "${MERCHANT_PUBLIC}/instances/${INST}/private/orders/${OID}" 2>/dev/null || true
    if grep -qiE 'payment|paid|Payment' "$SCRATCH/tx-$tag.out" 2>/dev/null \
      || grep -qiE 'done|paid|success|Payment' "$SCRATCH/pay-$tag.out" 2>/dev/null \
      || python3 -c 'import json,sys
d=json.load(open(sys.argv[1]))
sys.exit(0 if d.get("paid") is True or str(d.get("order_status","")).lower()=="paid" else 1)
' "$SCRATCH/ord-paid-$tag.json" 2>/dev/null; then
      ok "payment settled $PAY_AMT (order $OID)"
      return 0
    fi
  done
  warn "pay $PAY_AMT" "not settled for order $OID"
  return 1
}

# ---------------------------------------------------------------------------
section "e2e · ATM withdraw ladder"
# ---------------------------------------------------------------------------
WITHDRAW_OK=0
WITHDRAW_OK_N=0
WITHDRAW_LAG_N=0
WITHDRAW_FAIL_N=0
WITHDRAW_REPORT=""
for WITHDRAW_AMT in $WITHDRAW_LIST; do
  e2e_over && { warn "ATM ladder" "time budget low — stopping more ATM withdraws (not a protocol error)"; break; }
  set +e
  e2e_one_withdraw "$WITHDRAW_AMT"
  wc=$?
  set -e
  case "$wc" in
    0)
      WITHDRAW_OK=1
      WITHDRAW_OK_N=$((WITHDRAW_OK_N + 1))
      WITHDRAW_REPORT="${WITHDRAW_REPORT}${WITHDRAW_REPORT:+ }${WITHDRAW_AMT}=OK"
      ;;
    2)
      WITHDRAW_LAG_N=$((WITHDRAW_LAG_N + 1))
      WITHDRAW_REPORT="${WITHDRAW_REPORT}${WITHDRAW_REPORT:+ }${WITHDRAW_AMT}=LAG"
      ;;
    *)
      WITHDRAW_FAIL_N=$((WITHDRAW_FAIL_N + 1))
      WITHDRAW_REPORT="${WITHDRAW_REPORT}${WITHDRAW_REPORT:+ }${WITHDRAW_AMT}=FAIL"
      ;;
  esac
done
info "ATM withdraw summary" "$WITHDRAW_REPORT (ok=$WITHDRAW_OK_N lag=$WITHDRAW_LAG_N fail=$WITHDRAW_FAIL_N)"

# Settlement catch-up: bank may have confirmed while wallet was still empty
section "e2e · wallet settlement (timing)"
if ! wait_wallet_balance 0 "${E2E_SETTLE_ROUNDS}" "${E2E_SETTLE_SLEEP}"; then
  if [ "$WITHDRAW_LAG_N" -gt 0 ] || [ "$WITHDRAW_OK_N" -gt 0 ]; then
    warn "settlement timing" "ATM path reached bank confirm (lag=$WITHDRAW_LAG_N ok=$WITHDRAW_OK_N) but wallet empty after wait — TIME lag, not protocol error"
  fi
fi
av_now=$(wallet_avail_num)
if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > 0 else 1)" "$av_now" 2>/dev/null; then
  WITHDRAW_OK=1
  if [ "$WITHDRAW_OK_N" = "0" ]; then
    warn "settlement timing" "coins arrived after ATM ladder (${CUR}:${av_now}) — earlier 'FAIL' was timing lag"
    WITHDRAW_REPORT="${WITHDRAW_REPORT} → late-OK avail=${CUR}:${av_now}"
  fi
  ok "spendable balance for payments" "${CUR}:${av_now}"
else
  if [ "$WITHDRAW_OK" != "1" ]; then
    warn "withdraw" "still no spendable ${CUR} after settle wait"
    # diagnostic dig only — do not treat as hard stop if we can still see bank state
    if [ "$E2E_REMOTE" != "1" ]; then
      dig_when_no_coins || true
    fi
    # one last balance after dig (dig takes wall time — often enough for wirewatch)
    wait_wallet_balance 0 8 3 || true
    av_now=$(wallet_avail_num)
    if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > 0 else 1)" "$av_now" 2>/dev/null; then
      WITHDRAW_OK=1
      warn "settlement timing" "coins present after dig wait (${CUR}:${av_now}) — timing, not blocker"
    else
      blocker "withdraw-settle" "no spendable ${CUR} after ATM ladder + settle wait ($WITHDRAW_LIST)"
      section "e2e · report"
      info "WITHDRAW" "$WITHDRAW_REPORT — no coins after extended wait"
      info "PAY" "SKIPPED (no spendable balance after settle wait)"
      exit 1
    fi
  fi
fi

# ---------------------------------------------------------------------------
section "e2e · variable payments (if balance allows)"
# ---------------------------------------------------------------------------
PAY_OK=0
PAY_OK_N=0
PAY_FAIL_N=0
PAY_SKIP_N=0
PAY_REPORT=""
if [ -z "${MPW:-}" ]; then
  if [ "$E2E_REMOTE" = "1" ]; then
    e2e_abort_auth "merchant-order" "no merchant token — set E2E_MERCHANT_TOKEN"
  fi
  blocker "merchant-order" "no merchant token"
  exit 1
fi

for PAY_AMT in $PAY_LIST; do
  e2e_over && { warn "pay ladder" "time budget low — stopping more payments"; break; }
  av_now=$(wallet_avail_num)
  pay_n=$(python3 -c 'import sys; print(float(sys.argv[1].split(":",1)[-1]))' "$PAY_AMT" 2>/dev/null || echo 0)
  if ! python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) + 1e-12 >= float(sys.argv[2]) else 1)" "$av_now" "$pay_n" 2>/dev/null; then
    warn "pay $PAY_AMT" "skip — insufficient avail ${CUR}:${av_now} (need ${pay_n})"
    PAY_SKIP_N=$((PAY_SKIP_N + 1))
    PAY_REPORT="${PAY_REPORT}${PAY_REPORT:+ }${PAY_AMT}=SKIP(bal)"
    continue
  fi
  set +e
  e2e_one_pay "$PAY_AMT"
  pc=$?
  set -e
  if [ "$pc" = "0" ]; then
    PAY_OK=1
    PAY_OK_N=$((PAY_OK_N + 1))
    PAY_REPORT="${PAY_REPORT}${PAY_REPORT:+ }${PAY_AMT}=OK"
  else
    PAY_FAIL_N=$((PAY_FAIL_N + 1))
    PAY_REPORT="${PAY_REPORT}${PAY_REPORT:+ }${PAY_AMT}=FAIL"
  fi
done
info "pay summary" "$PAY_REPORT (ok=$PAY_OK_N fail=$PAY_FAIL_N skip=$PAY_SKIP_N)"
if [ "$PAY_OK" != "1" ]; then
  av_now=$(wallet_avail_num)
  if python3 -c "import sys; sys.exit(0 if float(sys.argv[1]) > 0 else 1)" "$av_now" 2>/dev/null; then
    warn "pay" "balance ${CUR}:${av_now} but no pay amount completed — check merchant/timing (not necessarily empty wallet)"
  else
    blocker "pay-settle" "no payment succeeded and no spendable balance ($PAY_LIST)"
  fi
fi

section "e2e · report"
info "user" "$USER"
info "ATM withdraws" "$WITHDRAW_REPORT"
info "payments" "$PAY_REPORT"
info "final balance" "$(fmt_bal "$SCRATCH/bal-live.out" 2>/dev/null || echo "(n/a)")"
info "scratch" "$SCRATCH"
# Success if we had coins and at least one pay, OR coins + only pay skips (nothing affordable)
if [ "${#BLOCKERS[@]}" -eq 0 ]; then
  if [ "$WITHDRAW_OK" = "1" ] && [ "$PAY_OK" = "1" ]; then
    exit 0
  fi
  if [ "$WITHDRAW_OK" = "1" ] && [ "$PAY_OK_N" = "0" ] && [ "$PAY_FAIL_N" = "0" ]; then
    warn "pay" "no payment tried/completed — withdraw OK"
    exit 0
  fi
  if [ "$WITHDRAW_OK" = "1" ] && [ "$PAY_OK" != "1" ]; then
    # money there, pays failed → soft exit 1 without inventing blockers if already warned
    exit 1
  fi
fi
exit 1