NestJS banking API with Currency Cloud, IFX, compliance sync, and native KMS/MPC/CEX/DEX integration.

Bank Integration

The Lux Bank is a NestJS/TypeScript API that handles fiat on/off ramp, payment processing, client management, and regulatory compliance. It natively integrates with KMS, MPC, CEX, and DEX for a unified trading experience.

Architecture

app.lux.financial (Frontend)
         |
    Bank API (NestJS)
         |
    +----+----+----+----+
    |    |    |    |    |
  CEX  DEX  KMS  MPC  Payment Providers
                        |
                  +-----+-----+
                  |           |
            CurrencyCloud    IFX

Services

ComplianceSyncService

Bridges bank compliance data to the CEX engine:

// Auto-sync on account changes
await complianceSyncService.syncAccountToCex(client);

// Sync after risk assessment update
await complianceSyncService.syncRiskAssessmentToCex(client, riskAssessment);

Synced fields: jurisdiction, country, client type, KYC level, AML status, accreditation, PEP status, source of funds, adverse media, FATF high-risk, EDD status, tax residency, trading limits.

Auto-sync: Hourly scheduled sync of all accounts via @Cron.

TradingService

Native integration with all trading infrastructure:

// KMS signing
const sig = await tradingService.kmsSign(keyId, payload);

// MPC threshold signing
const sig = await tradingService.mpcSign(walletId, txHash, 'ethereum');

// Smart order router (auto-selects best venue)
const result = await tradingService.submitOrder(accountId, {
  symbol: 'BTC-USD',
  side: 'buy',
  type: 'limit',
  quantity: 1.5,
  price: 45000,
});
// result.venue = 'cex' | 'dex'

// Force venue
const cexOrder = await tradingService.submitOrder(accountId, order, 'cex');
const dexOrder = await tradingService.submitOrder(accountId, order, 'dex');

Smart Order Router

The submitOrder method compares CEX and DEX order books in parallel:

Buy orders: Routes to venue with lowest ask price

Sell orders: Routes to venue with highest bid price

Fallback: Defaults to CEX if only one venue has liquidity

Account Model

The Account entity includes full compliance fields:

// Trading compliance
jurisdiction: string      // US, UK, EU, SG, HK, IM, AE, ...
tradingClientType: string // individual, institutional, broker_dealer
kycLevel: number          // 0-3
accredited: boolean       // SEC accredited investor
professional: boolean     // MiFID professional client

// PEP / EDD
pepStatus: string         // direct, related, former
pepReviewedAt: Date
sourceOfFunds: string     // employment, investments, ...
sofVerified: boolean
adverseMedia: boolean
highRiskCountry: boolean
eddRequired: boolean
taxResidency: string      // ISO country code

Jurisdiction Inference

The Client entity automatically infers regulatory jurisdiction from country:

US territories (PR, VI, GU) -> US

Isle of Man (IM) -> IM (own FSA regime, not UK)

Crown Dependencies (GG, JE) -> UK (FCA oversight)

EU member states (27 countries) -> EU

30+ additional jurisdictions mapped individually

Payment Providers

Provider	Use Case
Currency Cloud	FX, international payments, multi-currency accounts
IFX	Institutional FX, large-value transfers
OpenPayd	EU banking, SEPA, card processing

Configuration

Env Var	Description
`CEX_BASE_URL`	CEX API endpoint (default: `http://localhost:8080`)
`CEX_API_KEY`	Bearer token for CEX auth
`CEX_SYNC_ENABLED`	Enable compliance sync (`true`/`false`)
`DEX_BASE_URL`	DEX RPC endpoint
`DEX_API_KEY`	Bearer token for DEX auth
`KMS_BASE_URL`	KMS API endpoint
`KMS_API_KEY`	Bearer token for KMS auth
`MPC_BASE_URL`	MPC API endpoint
`MPC_API_KEY`	Bearer token for MPC auth

Source

Bank API: luxfi/bank/app/api/src/

Trading services: luxfi/bank/app/api/src/trading/

Models: luxfi/bank/pkg/models/src/

Account entity: pkg/models/src/users/entities/account.entity.ts

Client entity: pkg/models/src/clients/entities/client.entity.ts

Bank Integration

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