name: loan-servicing-workflow
title: Loan Servicing Default-To-Cure Workflow
description: >-
  Composed Naftiko workflow that orchestrates a borrower who has fallen behind
  on payments: identify delinquency in MSP, document a Promise To Pay, run a
  loss-mitigation evaluation, and post the catch-up payment when received.
  Demonstrates composition across MSP DX, Servicing Digital, and Loss Mitigation.
version: '0.1.0'
created: '2026-05-23'

steps:
  - id: identify-delinquent-loan
    capability: msp-dx
    operation: get-msp-loan
    inputs:
      loanNumber: "{{ input.loanNumber }}"
    outputs:
      delinquencyDays: "$.delinquencyDays"
      principalBalance: "$.principalBalance"
      borrowerName: "$.borrower.lastName"
    guard:
      when: "delinquencyDays > 0"

  - id: capture-promise-to-pay
    capability: msp-dx
    operation: create-promise-to-pay
    inputs:
      loanNumber: "{{ input.loanNumber }}"
      promiseAmount: "{{ input.promiseAmount }}"
      promiseDate: "{{ input.promiseDate }}"
      reasonCode: "{{ input.reasonCode }}"
      channel: "{{ input.channel | default: 'Inbound Call' }}"

  - id: evaluate-loss-mitigation
    capability: msp-dx
    operation: list-loss-mitigation-cases
    inputs:
      loanNumber: "{{ input.loanNumber }}"
    guard:
      when: "delinquencyDays >= 60"

  - id: post-catchup-payment
    capability: msp-dx
    operation: post-msp-payment
    inputs:
      loanNumber: "{{ input.loanNumber }}"
      amount: "{{ input.promiseAmount }}"
      effectiveDate: "{{ input.actualPaymentDate }}"
      paymentMethod: "{{ input.paymentMethod | default: 'ACH' }}"
    guard:
      when: "actualPaymentDate is present"

governance:
  - Idempotent payment posting via paymentId
  - PII redaction in observability layer
  - Reason codes constrained to the published P2P reason taxonomy
  - All operations audited under servicer/investor scope