fix: consolidate credit tier resolution into CreditScoringService and…

src/modules/credit-scoring/credit-scoring.service.ts

@@ -8,8 +8,47 @@ export interface AssessParams {
   creditUtilization: number;
 }
 
+export interface CreditTier {
+  minScore: number;
+  tier: 'gold' | 'silver' | 'bronze' | 'starter';
+  interestRate: number;
+  maxCredit: number;
+}
+
+/**
+ * Authoritative credit tier definitions matching the parameters-contract
+ * deployed on Stellar testnet. The contracts enforce these exact values —
+ * the API must match, not the reverse.
+ *
+ * Source: context/architecture-context.md → StepFi-Contracts → Reputation → Credit Tiers
+ */
+export const CREDIT_TIERS: readonly CreditTier[] = [
+  { minScore: 90, tier: 'gold', interestRate: 4, maxCredit: 10_000 },
+  { minScore: 75, tier: 'silver', interestRate: 6, maxCredit: 5_000 },
+  { minScore: 60, tier: 'bronze', interestRate: 8, maxCredit: 2_500 },
+  { minScore: 0, tier: 'starter', interestRate: 10, maxCredit: 1_000 },
+] as const;
+
 @Injectable()
 export class CreditScoringService {
+  /**
+   * Resolves a reputation score to its canonical credit tier, interest rate,
+   * and credit limit. This is the single source of truth for tier resolution
+   * across the entire API.
+   */
+  resolveTier(score: number): { tier: CreditTier['tier']; interestRate: number; maxCredit: number } {
+    const normalizedScore = Math.max(0, Math.min(100, score));
+
+    for (const tier of CREDIT_TIERS) {
+      if (normalizedScore >= tier.minScore) {
+        return { tier: tier.tier, interestRate: tier.interestRate, maxCredit: tier.maxCredit };
+      }
+    }
+
+    // Should never reach here, but return starter as the lowest tier
+    return { tier: 'starter', interestRate: 10, maxCredit: 1_000 };
+  }
+
   assess(params: AssessParams): CreditAssessmentResultDto {
     const { amount, reputationScore, maxCredit, creditUtilization } = params;
     const reasons: string[] = [];

src/modules/loans/dto/available-credit-response.dto.ts

@@ -16,7 +16,7 @@ export class AvailableCreditResponseDto {
   @ApiProperty({
     description: 'Reputation tier derived from the on-chain score',
     example: 'silver',
-    enum: ['gold', 'silver', 'bronze', 'poor'],
+    enum: ['gold', 'silver', 'bronze', 'starter'],
   })
   reputationTier: ReputationTier;
 

src/modules/loans/loans.service.ts

@@ -340,7 +340,7 @@ export class LoansService {
       });
     }
 
-    const { maxCredit, tier } = this.mapScoreToCreditTier(reputationScore);
+    const { tier, maxCredit } = this.creditScoringService.resolveTier(reputationScore);
 
     const client = this.supabaseService.getServiceRoleClient();
     const { data: activeLoans, error } = await client
@@ -670,23 +670,4 @@ export class LoansService {
 
     return this.creditScoringService.assess(params);
   }
-
-  private mapScoreToCreditTier(score: number): {
-    tier: ReputationTier;
-    maxCredit: number;
-  } {
-    if (score >= 90) {
-      return { tier: 'gold', maxCredit: 5000 };
-    }
-
-    if (score >= 75) {
-      return { tier: 'silver', maxCredit: 3000 };
-    }
-
-    if (score >= 60) {
-      return { tier: 'bronze', maxCredit: 1500 };
-    }
-
-    return { tier: 'poor', maxCredit: 500 };
-  }
 }

src/modules/reputation/dto/reputation-response.dto.ts

@@ -1,7 +1,7 @@
 import { ApiProperty } from '@nestjs/swagger';
 
 /** Reputation tier based on on-chain score */
-export type ReputationTier = 'gold' | 'silver' | 'bronze' | 'poor';
+export type ReputationTier = 'gold' | 'silver' | 'bronze' | 'starter';
 
 /**
  * DTO for the reputation score response.
@@ -24,9 +24,9 @@ export class ReputationResponseDto {
   score: number;
 
   @ApiProperty({
-    description: 'Reputation tier derived from score (gold, silver, bronze, poor)',
+    description: 'Reputation tier derived from score (gold, silver, bronze, starter)',
     example: 'silver',
-    enum: ['gold', 'silver', 'bronze', 'poor'],
+    enum: ['gold', 'silver', 'bronze', 'starter'],
   })
   tier: ReputationTier;
 

src/modules/reputation/reputation.service.ts

@@ -4,11 +4,12 @@ import { Cache } from 'cache-manager';
 import { ConfigService } from '@nestjs/config';
 import { SupabaseService } from '../../database/supabase.client';
 import { ReputationContractClient } from '../../stellar/contracts/clients/reputation.client';
+import { CREDIT_TIERS } from '../credit-scoring/credit-scoring.service';
 
 export interface Reputation {
     wallet: string;
     score: number;
-    tier: 'gold' | 'silver' | 'bronze' | 'poor';
+    tier: 'gold' | 'silver' | 'bronze' | 'starter';
     interestRate: number;
     maxCredit: number;
     lastUpdated: string;
@@ -94,29 +95,17 @@ export class ReputationService implements OnModuleInit {
     }
 
     private mapToReputation(wallet: string, score: number, lastUpdated: string): Reputation {
-        let tier: 'gold' | 'silver' | 'bronze' | 'poor';
-        let interestRate: number;
-        let maxCredit: number;
-
-        if (score >= 90) {
-            tier = 'gold';
-            interestRate = 5;
-            maxCredit = 5000;
-        } else if (score >= 75) {
-            tier = 'silver';
-            interestRate = 8;
-            maxCredit = 3000;
-        } else if (score >= 60) {
-            tier = 'bronze';
-            interestRate = 9;
-            maxCredit = 1500;
-        } else {
-            tier = 'poor';
-            interestRate = 12;
-            maxCredit = 500;
-        }
-
-        return { wallet, score, tier, interestRate, maxCredit, lastUpdated };
+        const normalizedScore = Math.max(0, Math.min(100, score));
+        const matchedTier = CREDIT_TIERS.find((t) => normalizedScore >= t.minScore) ?? CREDIT_TIERS[CREDIT_TIERS.length - 1];
+
+        return {
+            wallet,
+            score,
+            tier: matchedTier.tier,
+            interestRate: matchedTier.interestRate,
+            maxCredit: matchedTier.maxCredit,
+            lastUpdated,
+        };
     }
 
     async invalidateReputation(wallet: string): Promise<void> {

test/e2e/modules/loans/loans.e2e-spec.ts

@@ -227,7 +227,7 @@ describe('LoansController (e2e)', () => {
       jest.spyOn(app.get(ReputationService), 'getReputationScore').mockResolvedValue({
         wallet: validWallet,
         score: 40,
-        tier: 'poor',
+        tier: 'starter',
         interestRate: 12,
         maxCredit: 500,
         lastUpdated: '2026-03-23T00:00:00.000Z',

test/e2e/modules/reputation/reputation.e2e-spec.ts

@@ -92,7 +92,7 @@ describe('ReputationController (e2e)', () => {
       const body = JSON.parse(res.payload);
       expect(body.success).toBe(true);
       expect(body.data.score).toBe(50);
-      expect(body.data.tier).toBe('poor');
+      expect(body.data.tier).toBe('starter');
     }, 10000);
 
     it('should return 400 for an invalid wallet address', async () => {