chore: implement 'defaults_at'

Author: vindard

core/credit/src/credit_facility/entity.rs

@@ -323,6 +323,8 @@ pub struct CreditFacility {
     pub activated_at: Option<DateTime<Utc>>,
     #[builder(setter(strip_option), default)]
     pub matures_at: Option<DateTime<Utc>>,
+    #[builder(default)]
+    pub defaults_at: Option<DateTime<Utc>>,
 
     #[es_entity(nested)]
     #[builder(default)]
@@ -500,7 +502,9 @@ impl CreditFacility {
     }
 
     pub fn is_defaulted(&self) -> bool {
-        false
+        let now = crate::time::now();
+        self.defaults_at
+            .is_some_and(|defaults_at| now > defaults_at)
     }
 
     pub fn status(&self) -> CreditFacilityStatus {
@@ -563,6 +567,10 @@ impl CreditFacility {
 
         self.activated_at = Some(activated_at);
         self.matures_at = Some(self.terms.duration.maturity_date(activated_at));
+        self.defaults_at = self
+            .terms
+            .interest_overdue_duration
+            .map(|d| d.end_date(self.matures_at.expect("No 'matures_at' date set")));
         let tx_id = LedgerTxId::new();
         self.events.push(CreditFacilityEvent::Activated {
             ledger_tx_id: tx_id,
@@ -1158,12 +1166,18 @@ impl TryFromEvents<CreditFacilityEvent> for CreditFacility {
                         .approval_process_id(*approval_process_id)
                 }
                 CreditFacilityEvent::Activated { activated_at, .. } => {
-                    builder = builder.activated_at(*activated_at).matures_at(
-                        terms
-                            .expect("terms should be set")
-                            .duration
-                            .maturity_date(*activated_at),
-                    )
+                    let matures_at = terms
+                        .expect("terms should be set")
+                        .duration
+                        .maturity_date(*activated_at);
+                    let defaults_at = terms
+                        .expect("terms should be set")
+                        .interest_overdue_duration
+                        .map(|d| d.end_date(matures_at));
+                    builder = builder
+                        .activated_at(*activated_at)
+                        .matures_at(matures_at)
+                        .defaults_at(defaults_at)
                 }
                 CreditFacilityEvent::ApprovalProcessConcluded { .. } => (),
                 CreditFacilityEvent::DisbursalInitiated { .. } => (),

core/credit/src/terms/value.rs

@@ -290,7 +290,7 @@ pub enum InterestDuration {
 }
 
 impl InterestDuration {
-    fn end_date(&self, start_date: DateTime<Utc>) -> DateTime<Utc> {
+    pub fn end_date(&self, start_date: DateTime<Utc>) -> DateTime<Utc> {
         match self {
             Self::Days(days) => start_date
                 .checked_add_days(chrono::Days::new(*days))