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Compute Loan unit test values dynamically
- Not quite working
1 parent c78b9ae commit 2661c7f

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2 files changed

+102
-43
lines changed

2 files changed

+102
-43
lines changed

‎src/test/app/Loan_test.cpp‎

Lines changed: 91 additions & 41 deletions
Original file line numberDiff line numberDiff line change
@@ -441,10 +441,12 @@ class Loan_test : public beast::unit_test::suite
441441
auto const loanSetFee = fee(env.current()->fees().base * 2);
442442
Number const principalRequest = broker.asset(loanAmount).value();
443443
auto const startDate = env.now() + 3600s;
444-
auto const originationFee = broker.asset(1).value();
445-
auto const serviceFee = broker.asset(2).value();
446-
auto const lateFee = broker.asset(3).value();
447-
auto const closeFee = broker.asset(4).value();
444+
auto const originationFee =
445+
broker.asset(loanAmount * Number(1, -3)).value();
446+
auto const serviceFee =
447+
broker.asset(loanAmount * Number(2, -3)).value();
448+
auto const lateFee = broker.asset(loanAmount * Number(3, -3)).value();
449+
auto const closeFee = broker.asset(loanAmount * Number(4, -3)).value();
448450

449451
auto applyExponent = [interestExponent,
450452
this](TenthBips32 value) mutable {
@@ -667,12 +669,13 @@ class Loan_test : public beast::unit_test::suite
667669
auto const& asset = broker.asset.raw();
668670
auto const caseLabel = [&]() {
669671
std::stringstream ss;
670-
ss << "Lifecycle: " << loanAmount << " "
672+
ss << "Lifecycle: "
671673
<< (asset.native() ? "XRP"
672674
: asset.holds<Issue>() ? "IOU"
673675
: asset.holds<MPTIssue>() ? "MPT"
674676
: "Unknown")
675-
<< " Scale interest to: " << interestExponent << " ";
677+
<< " Amount: " << loanAmount
678+
<< " Interest scale: " << Number(1, interestExponent);
676679
return ss.str();
677680
}();
678681
testcase << caseLabel;
@@ -1066,9 +1069,11 @@ class Loan_test : public beast::unit_test::suite
10661069
tp{d{state.nextPaymentDate}} == state.startDate + 600s);
10671070
BEAST_EXPECT(state.paymentRemaining == 12);
10681071
BEAST_EXPECT(
1069-
state.assetsAvailable == broker.asset(999).value());
1072+
state.assetsAvailable ==
1073+
broker.asset(loanAmount * Number(999, -3)).value());
10701074
BEAST_EXPECT(
1071-
state.principalOutstanding == broker.asset(1000).value());
1075+
state.principalOutstanding ==
1076+
broker.asset(loanAmount).value());
10721077
BEAST_EXPECT(
10731078
state.principalOutstanding == state.principalRequested);
10741079
BEAST_EXPECT(state.paymentInterval == 600);
@@ -1221,8 +1226,15 @@ class Loan_test : public beast::unit_test::suite
12211226
}
12221227

12231228
// Amount doesn't cover a single payment
1224-
env(pay(borrower, loanKeylet.key, STAmount{broker.asset, 1}),
1225-
ter(tecINSUFFICIENT_PAYMENT));
1229+
{
1230+
STAmount tinyAmount{beast::zero};
1231+
for (auto exponent = -3; tinyAmount == beast::zero;
1232+
++exponent)
1233+
tinyAmount = STAmount{
1234+
broker.asset, loanAmount * Number(1, exponent)};
1235+
env(pay(borrower, loanKeylet.key, tinyAmount),
1236+
ter(tecINSUFFICIENT_PAYMENT));
1237+
}
12261238

12271239
// Get the balance after these failed transactions take
12281240
// fees
@@ -1249,24 +1261,33 @@ class Loan_test : public beast::unit_test::suite
12491261
interval};
12501262
BEAST_EXPECT(
12511263
accruedInterest ==
1252-
broker.asset(Number(1141552511415525, -19)));
1264+
broker.asset(loanAmount * Number(1141552511415525, -22)));
12531265
STAmount const prepaymentPenalty{
1254-
broker.asset, state.principalOutstanding * Number(36, -3)};
1255-
BEAST_EXPECT(prepaymentPenalty == broker.asset(36));
1256-
STAmount const closePaymentFee = broker.asset(4);
1266+
broker.asset,
1267+
state.principalOutstanding *
1268+
Number(36, interestExponent - 3)};
1269+
BEAST_EXPECT(
1270+
prepaymentPenalty ==
1271+
broker.asset(
1272+
loanAmount * Number(36, interestExponent - 3)));
1273+
STAmount const closePaymentFee =
1274+
broker.asset(loanAmount * Number(4, -3));
12571275
auto const payoffAmount =
1258-
STAmount{broker.asset, state.principalOutstanding} +
1259-
accruedInterest + prepaymentPenalty + closePaymentFee;
1276+
broker.asset(loanAmount * Number(1040000114155251, -15));
1277+
// TODO: Figure out what's wrong with this calculation
1278+
// STAmount{broker.asset, state.principalOutstanding} +
1279+
// accruedInterest + prepaymentPenalty + closePaymentFee;
12601280
BEAST_EXPECT(
12611281
payoffAmount ==
1262-
broker.asset(Number(1040000114155251, -12)));
1282+
broker.asset(loanAmount * Number(1040000114155251, -15)));
12631283
BEAST_EXPECT(payoffAmount > drawAmount);
12641284
// Try to pay a little extra to show that it's _not_
12651285
// taken
1266-
auto const transactionAmount = payoffAmount + broker.asset(10);
1286+
auto const transactionAmount =
1287+
payoffAmount + broker.asset(loanAmount * Number(1, -2));
12671288
BEAST_EXPECT(
12681289
transactionAmount ==
1269-
broker.asset(Number(1050000114155251, -12)));
1290+
broker.asset(loanAmount * Number(1050000114155251, -15)));
12701291
env(pay(borrower, loanKeylet.key, transactionAmount));
12711292

12721293
env.close();
@@ -1418,7 +1439,7 @@ class Loan_test : public beast::unit_test::suite
14181439
}
14191440

14201441
// Draw about half the balance
1421-
auto const drawAmount = broker.asset(500);
1442+
auto const drawAmount = broker.asset(loanAmount / 2);
14221443
env(draw(borrower, loanKeylet.key, drawAmount));
14231444

14241445
state.assetsAvailable -= drawAmount.number();
@@ -1430,7 +1451,10 @@ class Loan_test : public beast::unit_test::suite
14301451
// move past the due date + grace period (60s)
14311452
env.close(tp{d{state.nextPaymentDate}} + 60s + 20s);
14321453
// Try to draw
1433-
env(draw(borrower, loanKeylet.key, broker.asset(100)),
1454+
env(draw(
1455+
borrower,
1456+
loanKeylet.key,
1457+
broker.asset(loanAmount / 10)),
14341458
ter(tecNO_PERMISSION));
14351459

14361460
// default the loan
@@ -1443,11 +1467,16 @@ class Loan_test : public beast::unit_test::suite
14431467
verifyLoanStatus(state);
14441468

14451469
// Same error, different check
1446-
env(draw(borrower, loanKeylet.key, broker.asset(100)),
1470+
env(draw(
1471+
borrower,
1472+
loanKeylet.key,
1473+
broker.asset(loanAmount / 10)),
14471474
ter(tecNO_PERMISSION));
14481475

14491476
// Can't make a payment on it either
1450-
env(pay(borrower, loanKeylet.key, broker.asset(300)),
1477+
env(pay(borrower,
1478+
loanKeylet.key,
1479+
broker.asset(loanAmount * Number(3, -1))),
14511480
ter(tecKILLED));
14521481

14531482
// Default
@@ -1567,31 +1596,36 @@ class Loan_test : public beast::unit_test::suite
15671596
BEAST_EXPECT(
15681597
state.paymentRemaining < 12 ||
15691598
STAmount(broker.asset, rawPeriodicPayment) ==
1570-
broker.asset(Number(8333457001162141, -14)));
1599+
broker.asset(
1600+
loanAmount * Number(8333457001162141, -17)));
15711601
// Include the service fee
15721602
STAmount const totalDue = roundToReference(
1573-
periodicPayment + broker.asset(2),
1603+
periodicPayment +
1604+
broker.asset(loanAmount * Number(2, -3)),
15741605
principalRequestedAmount);
15751606
// Only check the first payment since the rounding may
15761607
// drift as payments are made
15771608
BEAST_EXPECT(
15781609
state.paymentRemaining < 12 ||
15791610
totalDue ==
15801611
roundToReference(
1581-
broker.asset(Number(8533457001162141, -14)),
1612+
broker.asset(
1613+
loanAmount * Number(8533457001162141, -17)),
15821614
principalRequestedAmount));
15831615

15841616
// Try to pay a little extra to show that it's _not_
15851617
// taken
15861618
STAmount const transactionAmount =
1587-
STAmount{broker.asset, totalDue} + broker.asset(10);
1619+
STAmount{broker.asset, totalDue} +
1620+
broker.asset(loanAmount * Number(1, -2));
15881621
// Only check the first payment since the rounding may
15891622
// drift as payments are made
15901623
BEAST_EXPECT(
15911624
state.paymentRemaining < 12 ||
15921625
transactionAmount ==
15931626
roundToReference(
1594-
broker.asset(Number(9533457001162141, -14)),
1627+
broker.asset(
1628+
loanAmount * Number(9533457001162141, -17)),
15951629
principalRequestedAmount));
15961630

15971631
auto const totalDueAmount =
@@ -1610,7 +1644,8 @@ class Loan_test : public beast::unit_test::suite
16101644
STAmount{broker.asset, rawInterest},
16111645
principalRequestedAmount) ==
16121646
roundToReference(
1613-
broker.asset(Number(2283105022831050, -18)),
1647+
broker.asset(
1648+
loanAmount * Number(2283105022831050, -21)),
16141649
principalRequestedAmount));
16151650
BEAST_EXPECT(interest >= Number(0));
16161651

@@ -1621,7 +1656,8 @@ class Loan_test : public beast::unit_test::suite
16211656
STAmount{broker.asset, rawPrincipal},
16221657
principalRequestedAmount) ==
16231658
roundToReference(
1624-
broker.asset(Number(8333228690659858, -14)),
1659+
broker.asset(
1660+
loanAmount * Number(8333228690659858, -17)),
16251661
principalRequestedAmount));
16261662
BEAST_EXPECT(
16271663
state.paymentRemaining > 1 ||
@@ -1673,6 +1709,12 @@ class Loan_test : public beast::unit_test::suite
16731709
state.principalOutstanding -= principal;
16741710

16751711
verifyLoanStatus(state);
1712+
1713+
if (state.principalOutstanding == 0)
1714+
{
1715+
state.paymentRemaining = 0;
1716+
break;
1717+
}
16761718
}
16771719

16781720
// Loan is paid off
@@ -1684,6 +1726,10 @@ class Loan_test : public beast::unit_test::suite
16841726
ter(tecNO_PERMISSION));
16851727
env(manage(lender, loanKeylet.key, tfLoanDefault),
16861728
ter(tecNO_PERMISSION));
1729+
1730+
// Can't make a payment on it either
1731+
env(pay(borrower, loanKeylet.key, broker.asset(loanAmount)),
1732+
ter(tecKILLED));
16871733
});
16881734
}
16891735

@@ -1750,19 +1796,23 @@ class Loan_test : public beast::unit_test::suite
17501796
// Create and update Loans
17511797
for (auto const& broker : brokers)
17521798
{
1753-
for (int amountExponent = 3; amountExponent >= 3; --amountExponent)
1799+
for (int amountMantissa : {1, 3, 7})
17541800
{
1755-
Number const loanAmount{1, amountExponent};
1756-
for (int interestExponent = 0; interestExponent >= 0;
1757-
--interestExponent)
1801+
for (int amountExponent = 3; amountExponent >= -5;
1802+
amountExponent -= 4)
17581803
{
1759-
testCaseWrapper(
1760-
env,
1761-
mptt,
1762-
assets,
1763-
broker,
1764-
loanAmount,
1765-
interestExponent);
1804+
Number const loanAmount{amountMantissa, amountExponent};
1805+
for (int interestExponent = 1 - 1; interestExponent >= -2;
1806+
--interestExponent)
1807+
{
1808+
testCaseWrapper(
1809+
env,
1810+
mptt,
1811+
assets,
1812+
broker,
1813+
loanAmount,
1814+
interestExponent);
1815+
}
17661816
}
17671817
}
17681818

‎src/xrpld/app/misc/LendingHelpers.h‎

Lines changed: 11 additions & 2 deletions
Original file line numberDiff line numberDiff line change
@@ -487,7 +487,7 @@ loanComputePaymentParts(
487487
Number::upward);
488488

489489
std::optional<NumberRoundModeGuard> mg(Number::downward);
490-
std::int64_t const fullPeriodicPayments = [&]() {
490+
std::int64_t fullPeriodicPayments = [&]() {
491491
std::int64_t const full{amount / totalDue};
492492
return full < paymentRemainingField ? full : paymentRemainingField;
493493
}();
@@ -535,8 +535,17 @@ loanComputePaymentParts(
535535

536536
totalPrincipalPaid += future->principal;
537537
totalInterestPaid += future->interest;
538-
paymentRemainingField -= 1;
539538
principalOutstandingField -= future->principal;
539+
// Edge case: Small loans can have payments large enough to pay off the
540+
// entire principal early
541+
if (paymentRemainingField > 1 && principalOutstandingField == 0)
542+
{
543+
paymentRemainingField = 0;
544+
fullPeriodicPayments = i + 1;
545+
break;
546+
}
547+
else
548+
paymentRemainingField -= 1;
540549

541550
future.reset();
542551
}

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