Migrating from Stripe Issuing to Naive

import Stripe from "stripe";

const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!);

// 1. Create the cardholder (KYC entity)
const cardholder = await stripe.issuing.cardholders.create({
  type: "individual",
  name: "John Doe",
  email: "john@acme.com",
  billing: {
    address: {
      line1: "123 Main St",
      city: "San Francisco",
      state: "CA",
      postal_code: "94105",
      country: "US",
    },
  },
});

// 2. Issue a virtual card with spending controls, funded from your Issuing balance
const card = await stripe.issuing.cards.create({
  cardholder: cardholder.id,
  type: "virtual",
  currency: "usd",
  spending_controls: {
    spending_limits: [{ amount: 10000, interval: "monthly" }], // $100/mo
  },
});

// 3. Reveal the PAN/CVC (requires PCI compliance or Stripe Elements)
const full = await stripe.issuing.cards.retrieve(card.id, {
  expand: ["number", "cvc"],
});
// full.number, full.cvc, full.exp_month, full.exp_year

import { Naive } from "@usenaive-sdk/server";

const naive = new Naive({ apiKey: process.env.NAIVE_API_KEY! });
const client = naive.forUser("user_123"); // same id space as your own users
const base = "https://api.usenaive.ai/v1/users/user_123";
const auth = { Authorization: `Bearer ${process.env.NAIVE_API_KEY}`, "Content-Type": "application/json" };

// 1. Create the cardholder for this identity (required for managed_virtual)
await fetch(`${base}/cards/cardholder`, {
  method: "POST", headers: auth,
  body: JSON.stringify({
    firstName: "John", lastName: "Doe", email: "john@acme.com",
    billingLine1: "123 Main St", billingCity: "San Francisco",
    billingState: "CA", billingPostalCode: "94105",
    dobDay: 15, dobMonth: 6, dobYear: 1990,
  }),
});

// 2. Issue a card — funded via hosted checkout, returns checkout_url
const created = await client.cards.create({
  name: "Ops Card",
  spending_limit_cents: 10000, // $100 funded cap
  provider: "managed_virtual",
});
// open created.checkout_url to fund, then issue:
await fetch(`${base}/cards/${created.card.id}/check-payment`, { method: "POST", headers: auth });

// 3. Reveal the PAN/CVC once active
const details = await (await fetch(`${base}/cards/${created.card.id}/details`, { headers: auth })).json();
// details.number, details.cvc, details.exp_month, details.exp_year

// You pre-fund your Issuing balance (Treasury / top-ups) out of band;
// the card is spendable as soon as it is created and your balance covers it.
const card = await stripe.issuing.cards.create({
  cardholder: "ich_123", type: "virtual", currency: "usd",
  spending_controls: { spending_limits: [{ amount: 50000, interval: "monthly" }] },
});

// Each card is funded by its own checkout; top-up later the same way.
const created = await client.cards.create({ name: "Ads", spending_limit_cents: 50000, provider: "managed_virtual" });
// → created.checkout_url  (fund it), then:
//   POST /v1/users/{id}/cards/{cardId}/check-payment  → status: "active"
//   POST /v1/users/{id}/cards/{cardId}/top-up { amount_cents }  → another checkout_url

// One cardholder per customer; isolates cards, and only cards.
const ch = await stripe.issuing.cardholders.create({ type: "individual", name: "Acme Bot", billing });
await stripe.issuing.cards.create({ cardholder: ch.id, type: "virtual", currency: "usd" });

// The inbox, the secrets, the OAuth grants, the KYC for this customer's agent
// live in entirely separate systems with their own tenancy.

import { isPendingApproval } from "@usenaive-sdk/server";

// One tenant user per customer; isolates *every* primitive.
const acme = await naive.users.create({ external_id: dbCustomer.id, email: dbCustomer.email });
const client = naive.forUser(acme.id);

// Same identity owns the card…
const card = await client.cards.create({ name: "Ops", spending_limit_cents: 25000, provider: "managed_virtual" });
if (isPendingApproval(card)) { /* surface card.approval_id to a human */ }

// …and the inbox, the secrets, the connections, the KYC — one handle.
const inbox = await client.email.createInbox({ local_part: "billing" });
await client.vault.put("internal.api_key", "key_xyz");
await client.connections.connect("quickbooks", { callbackUrl });