# Gemfile (once published)
gem "dinie"

require "dinie"

client = Dinie::Client.new(client_id: "dinie_ci_…", client_secret: "…")

customer = client.customers.create(
  email: "ana@example.com",
  phone: "+5511999999999",
  cpf: "123.456.789-09",
  cnpj: "12.345.678/0001-95"
)

customer.id      # => "cust_…"
customer.status  # => "pending_kyc"

client = Dinie::Client.new(
  client_id:     "dinie_ci_…",   # or ENV["DINIE_CLIENT_ID"]
  client_secret: "…",            # or ENV["DINIE_CLIENT_SECRET"]
  base_url:      nil,            # or ENV["DINIE_BASE_URL"]; default https://api.dinie.com.br/api/v3
  timeout:       30,            # per-request timeout, in SECONDS
  max_retries:   3,            # retries after the first attempt
  idempotency:   true,        # auto X-Idempotency-Key on POST/PATCH
  log_level:     :off         # :off | :error | :warn | :info | :debug (or ENV["DINIE_LOG"])
)

fast = client.with_options(timeout: 5)

client = Dinie::Client.new(client_id: ENV["DINIE_CLIENT_ID"], client_secret: ENV["DINIE_CLIENT_SECRET"])

# 1. Register the customer.
customer = client.customers.create(
  email: "ana@example.com",
  phone: "+5511999999999",
  cpf:   "123.456.789-09",
  cnpj:  "12.345.678/0001-95"
)

# 2. Dinie runs KYC + underwriting. When the customer is approved, a `credit_offer.available`
#    webhook fires. Read the offers (they are NOT created by you):
offer = client.customers.credit_offers.list(customer.id).first
# …or fetch a known offer directly:
offer = client.credit_offers.retrieve("co_…")

offer.approved_amount        # => 25000.0  (Money — a Float, BRL)
offer.monthly_interest_rate  # => 4.5

# 3. Simulate the offer for the amount and term the customer wants.
simulation = client.credit_offers.create_simulation(
  offer.id,
  requested_amount:  25_000.0,
  installment_count: 12
)

simulation.installment_amount  # => 2_343.21
simulation.total_amount        # => 28_118.52

# 4. Contract the loan from the accepted simulation.
loan = client.loans.create(
  credit_offer_id:    offer.id,
  simulation_id:      simulation.id,
  installment_count:  simulation.installment_count,
  installment_amount: simulation.installment_amount,
  first_due_date:     "2026-07-10"  # ISO-8601 date
)

loan.id          # => "ln_…"
loan.status      # => "awaiting_signatures"
loan.signing_url # => CCB signature URL (present while awaiting signatures)

# Later, inspect the amortization schedule:
client.loans.transactions.list(loan.id).each do |installment|
  puts "#{installment.due_date}: #{installment.amount_due} (#{installment.status})"
end

# Iterate every customer across all pages:
client.customers.list(limit: 50).each do |customer|
  puts customer.id
end

# Page-by-page, for manual control:
client.customers.list.each_page do |page|
  process(page.data)        # Array<Dinie::Customer>
  page.has_more             # => true / false
end

# Just the first N, fetched lazily (only as many pages as needed):
top = client.customers.list.first(10)

# In your Rack / Rails / Sinatra handler:
event = Dinie::Webhooks.extract(
  headers: request.headers.to_h,   # must include webhook-id / webhook-timestamp / webhook-signature
  body:    request.raw_post,       # the RAW body, before JSON parsing
  secret:  ENV["DINIE_WEBHOOK_SECRET"]  # "whsec_…" (or an Array of secrets during rotation)
)

case event
when Dinie::Events::CustomerActive
  activate_customer(event.data.id)
when Dinie::Events::CreditOfferAvailable
  notify_offer(event.data.customer_id, event.data.approved_amount)
when Dinie::Events::LoanActive
  release_funds(event.data.id)
when Dinie::Events::LoanPaymentReceived
  record_payment(event.data.id, event.data.payment.amount)
else
  Rails.logger.info("Unhandled Dinie event: #{event.type}")
end

begin
  client.credit_offers.retrieve("co_does_not_exist")
rescue Dinie::NotFoundError => e
  warn "Not found (#{e.code}) — request #{e.request_id}"
rescue Dinie::ValidationError => e
  warn "Invalid: #{e.detail}"          # RFC 9457 Problem Details
rescue Dinie::RateLimitError
  # transient — the SDK already retried with backoff; back off further if you see this
rescue Dinie::APIStatusError => e
  warn "API error #{e.status}: #{e.title}"
rescue Dinie::APIConnectionError
  # network/DNS/timeout — no response was received
end

rl = client.rate_limit            # => Dinie::RateLimit or nil
rl&.remaining                     # => 87
rl&.reset_at                      # => 2026-06-02 12:00:30 UTC (a Time)