feat(creator): risk assessment, forum integration, tax export, and trust badges

src/components/creator/CommunityForumPanel.tsx

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+import { DEFAULT_FORUM_URL, newTopicUrl, sortTopicsByActivity, topicUrl, type ForumTopic } from "@/lib/creatorForum";
+
+interface Props {
+  topics: ForumTopic[];
+  baseUrl?: string;
+}
+
+export default function CommunityForumPanel({ topics, baseUrl = DEFAULT_FORUM_URL }: Props) {
+  const config = { baseUrl };
+  return (
+    <section aria-label="Creator community forum" className="w-full rounded-lg border p-4 sm:p-6">
+      <div className="flex flex-col gap-2 sm:flex-row sm:items-center sm:justify-between">
+        <h3 className="text-base font-semibold">Creator community</h3>
+        <a
+          href={newTopicUrl(config, "")}
+          target="_blank"
+          rel="noopener noreferrer"
+          className="rounded bg-blue-600 px-3 py-1 text-center text-sm text-white"
+        >
+          Start a discussion
+        </a>
+      </div>
+      {topics.length === 0 ? (
+        <p className="mt-3 text-sm text-gray-500">No discussions yet.</p>
+      ) : (
+        <ul className="mt-3 divide-y text-sm">
+          {sortTopicsByActivity(topics).map((t) => (
+            <li key={t.id} className="flex justify-between gap-4 py-2">
+              <a href={topicUrl(config, t)} target="_blank" rel="noopener noreferrer" className="truncate hover:underline">
+                {t.title}
+              </a>
+              <span className="shrink-0 text-gray-500">{t.replies} replies</span>
+            </li>
+          ))}
+        </ul>
+      )}
+    </section>
+  );
+}

src/components/creator/CreatorTrustBadges.tsx

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+import { getTrustBadges, getTrustTier, type CreatorProfile, type TrustTier } from "@/lib/creatorVerification";
+
+const TIER_STYLES: Record<TrustTier, string> = {
+  unverified: "bg-gray-100 text-gray-700",
+  verified: "bg-blue-100 text-blue-800",
+  trusted: "bg-green-100 text-green-800",
+};
+
+export default function CreatorTrustBadges({ profile }: { profile: CreatorProfile }) {
+  const tier = getTrustTier(profile);
+  const badges = getTrustBadges(profile);
+  return (
+    <div aria-label="Creator trust signals" className="flex flex-wrap items-center gap-2">
+      <span className={`rounded-full px-2.5 py-0.5 text-xs font-semibold capitalize ${TIER_STYLES[tier]}`}>{tier}</span>
+      {badges.map((b) => (
+        <span key={b.id} className="rounded-full border px-2.5 py-0.5 text-xs text-gray-700">
+          ✓ {b.label}
+        </span>
+      ))}
+    </div>
+  );
+}

src/components/creator/TaxReportExport.tsx

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+"use client";
+
+import { useState } from "react";
+import { buildTaxReportCsv, summarizeTaxYear, type TaxablePayment } from "@/lib/creatorTaxReport";
+
+interface Props {
+  payments: TaxablePayment[];
+}
+
+export default function TaxReportExport({ payments }: Props) {
+  const years = Array.from(new Set(payments.map((p) => new Date(p.paidAt).getUTCFullYear()))).sort((a, b) => b - a);
+  const [year, setYear] = useState(years[0] ?? new Date().getUTCFullYear());
+  const summary = summarizeTaxYear(payments, year);
+
+  const handleExport = () => {
+    const blob = new Blob([buildTaxReportCsv(payments, year)], { type: "text/csv;charset=utf-8" });
+    const url = URL.createObjectURL(blob);
+    const a = document.createElement("a");
+    a.href = url;
+    a.download = `tax-report-${year}.csv`;
+    a.click();
+    URL.revokeObjectURL(url);
+  };
+
+  return (
+    <section aria-label="Tax report export" className="w-full rounded-lg border p-4 sm:p-6">
+      <div className="flex flex-col gap-3 sm:flex-row sm:items-center sm:justify-between">
+        <h3 className="text-base font-semibold">Tax report</h3>
+        <div className="flex gap-2">
+          <select
+            aria-label="Tax year"
+            value={year}
+            onChange={(e) => setYear(Number(e.target.value))}
+            className="rounded border px-2 py-1 text-sm"
+          >
+            {(years.length ? years : [year]).map((y) => (
+              <option key={y} value={y}>
+                {y}
+              </option>
+            ))}
+          </select>
+          <button
+            type="button"
+            onClick={handleExport}
+            disabled={summary.count === 0}
+            className="rounded bg-blue-600 px-3 py-1 text-sm text-white disabled:opacity-50"
+          >
+            Export CSV
+          </button>
+        </div>
+      </div>
+      <dl className="mt-3 grid grid-cols-2 gap-2 text-sm sm:grid-cols-4">
+        <div><dt className="text-gray-500">Payments</dt><dd>{summary.count}</dd></div>
+        <div><dt className="text-gray-500">Gross</dt><dd>{summary.gross}</dd></div>
+        <div><dt className="text-gray-500">Fees</dt><dd>{summary.fees}</dd></div>
+        <div><dt className="text-gray-500">Net</dt><dd>{summary.net}</dd></div>
+      </dl>
+    </section>
+  );
+}

src/components/invoice/RiskAssessmentPanel.tsx

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+"use client";
+
+import { assessInvoiceRisk, type RiskInput, type RiskLevel } from "@/lib/invoiceRiskAssessment";
+
+const LEVEL_STYLES: Record<RiskLevel, string> = {
+  low: "bg-green-100 text-green-800",
+  medium: "bg-amber-100 text-amber-800",
+  high: "bg-red-100 text-red-800",
+};
+
+export default function RiskAssessmentPanel(props: RiskInput) {
+  const { score, level, factors } = assessInvoiceRisk(props);
+  return (
+    <section aria-label="Risk assessment" className="w-full rounded-lg border p-4 sm:p-6">
+      <div className="flex flex-wrap items-center justify-between gap-2">
+        <h3 className="text-base font-semibold">Risk assessment</h3>
+        <span className={`rounded-full px-3 py-1 text-sm font-medium ${LEVEL_STYLES[level]}`}>
+          {level} risk · {score}/100
+        </span>
+      </div>
+      {factors.length > 0 ? (
+        <ul className="mt-3 space-y-1 text-sm">
+          {factors.map((f) => (
+            <li key={f.id} className="flex justify-between gap-4">
+              <span>{f.label}</span>
+              <span className="text-gray-500">+{f.points}</span>
+            </li>
+          ))}
+        </ul>
+      ) : (
+        <p className="mt-3 text-sm text-gray-500">No risk factors detected.</p>
+      )}
+    </section>
+  );
+}

src/lib/creatorForum.test.ts

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+import { describe, it, expect } from "vitest";
+import { newTopicUrl, sortTopicsByActivity, topicUrl } from "./creatorForum";
+
+const config = { baseUrl: "https://forum.example.com/" };
+
+describe("creatorForum", () => {
+  it("builds topic URLs without double slashes", () => {
+    expect(topicUrl(config, { id: 42, slug: "tips" })).toBe("https://forum.example.com/t/tips/42");
+  });
+
+  it("builds an encoded new-topic URL", () => {
+    expect(newTopicUrl(config, "Help & tips")).toBe("https://forum.example.com/new-topic?title=Help+%26+tips&category=creators");
+  });
+
+  it("sorts topics by most recent activity", () => {
+    const topics = [
+      { id: 1, title: "a", slug: "a", replies: 0, lastActivity: "2025-01-01T00:00:00Z" },
+      { id: 2, title: "b", slug: "b", replies: 3, lastActivity: "2025-06-01T00:00:00Z" },
+    ];
+    expect(sortTopicsByActivity(topics).map((t) => t.id)).toEqual([2, 1]);
+  });
+});

src/lib/creatorForum.ts

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+export interface ForumConfig {
+  /** Base URL of the community forum (e.g. a Discourse instance). */
+  baseUrl: string;
+}
+
+export interface ForumTopic {
+  id: number;
+  title: string;
+  slug: string;
+  replies: number;
+  lastActivity: string;
+}
+
+export const DEFAULT_FORUM_URL = process.env.NEXT_PUBLIC_COMMUNITY_FORUM_URL ?? "https://forum.stellarsplit.app";
+
+export function topicUrl(config: ForumConfig, topic: Pick<ForumTopic, "id" | "slug">): string {
+  return `${config.baseUrl.replace(/\/+$/, "")}/t/${encodeURIComponent(topic.slug)}/${topic.id}`;
+}
+
+export function newTopicUrl(config: ForumConfig, title: string, category = "creators"): string {
+  const params = new URLSearchParams({ title, category });
+  return `${config.baseUrl.replace(/\/+$/, "")}/new-topic?${params.toString()}`;
+}
+
+export function sortTopicsByActivity(topics: ForumTopic[]): ForumTopic[] {
+  return [...topics].sort((a, b) => Date.parse(b.lastActivity) - Date.parse(a.lastActivity));
+}

src/lib/creatorTaxReport.test.ts

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+import { describe, it, expect } from "vitest";
+import { buildTaxReportCsv, summarizeTaxYear } from "./creatorTaxReport";
+
+const payments = [
+  { invoiceId: "1", title: "Dinner, split", paidAt: "2025-03-01T00:00:00Z", amount: 100, fee: 1, asset: "XLM" },
+  { invoiceId: "2", title: "Rent", paidAt: "2025-12-31T23:00:00Z", amount: 500, fee: 5, asset: "USDC" },
+  { invoiceId: "3", title: "Old", paidAt: "2024-06-01T00:00:00Z", amount: 999, fee: 9, asset: "XLM" },
+];
+
+describe("creatorTaxReport", () => {
+  it("summarizes only the requested year", () => {
+    expect(summarizeTaxYear(payments, 2025)).toEqual({ year: 2025, gross: 600, fees: 6, net: 594, count: 2 });
+  });
+
+  it("builds a CSV with escaped cells and a totals row", () => {
+    const lines = buildTaxReportCsv(payments, 2025).split("\n");
+    expect(lines[0]).toBe("Invoice ID,Title,Paid At,Asset,Gross,Fee,Net");
+    expect(lines[1]).toBe('1,"Dinner, split",2025-03-01T00:00:00Z,XLM,100,1,99');
+    expect(lines).toHaveLength(4);
+    expect(lines[3]).toBe("TOTAL,,,,600,6,594");
+  });
+});

src/lib/creatorTaxReport.ts

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+export interface TaxablePayment {
+  invoiceId: string;
+  title: string;
+  /** ISO date the payment settled. */
+  paidAt: string;
+  amount: number;
+  fee: number;
+  asset: string;
+}
+
+export interface TaxReportSummary {
+  year: number;
+  gross: number;
+  fees: number;
+  net: number;
+  count: number;
+}
+
+export function filterByTaxYear(payments: TaxablePayment[], year: number): TaxablePayment[] {
+  return payments.filter((p) => new Date(p.paidAt).getUTCFullYear() === year);
+}
+
+export function summarizeTaxYear(payments: TaxablePayment[], year: number): TaxReportSummary {
+  const rows = filterByTaxYear(payments, year);
+  const gross = rows.reduce((s, p) => s + p.amount, 0);
+  const fees = rows.reduce((s, p) => s + p.fee, 0);
+  return { year, gross, fees, net: gross - fees, count: rows.length };
+}
+
+function csvCell(value: string | number): string {
+  const s = String(value);
+  return /[",\n]/.test(s) ? `"${s.replace(/"/g, '""')}"` : s;
+}
+
+export function buildTaxReportCsv(payments: TaxablePayment[], year: number): string {
+  const header = ["Invoice ID", "Title", "Paid At", "Asset", "Gross", "Fee", "Net"];
+  const lines = filterByTaxYear(payments, year).map((p) =>
+    [p.invoiceId, p.title, p.paidAt, p.asset, p.amount, p.fee, p.amount - p.fee].map(csvCell).join(",")
+  );
+  const s = summarizeTaxYear(payments, year);
+  lines.push(["TOTAL", "", "", "", s.gross, s.fees, s.net].map(csvCell).join(","));
+  return [header.join(","), ...lines].join("\n");
+}

src/lib/creatorVerification.test.ts

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+import { describe, it, expect } from "vitest";
+import { getTrustBadges, getTrustTier } from "./creatorVerification";
+
+const base = { emailVerified: false, walletVerified: false, kycVerified: false, accountAgeDays: 0, completedInvoices: 0, disputeRate: 0 };
+
+describe("creatorVerification", () => {
+  it("returns no badges and unverified tier for a new profile", () => {
+    expect(getTrustBadges(base)).toEqual([]);
+    expect(getTrustTier(base)).toBe("unverified");
+  });
+
+  it("marks wallet-verified creators as verified", () => {
+    expect(getTrustTier({ ...base, walletVerified: true })).toBe("verified");
+  });
+
+  it("marks fully verified reliable creators as trusted", () => {
+    const p = { emailVerified: true, walletVerified: true, kycVerified: true, accountAgeDays: 365, completedInvoices: 20, disputeRate: 0 };
+    expect(getTrustBadges(p).map((b) => b.id)).toEqual(["email", "wallet", "kyc", "established", "reliable"]);
+    expect(getTrustTier(p)).toBe("trusted");
+  });
+
+  it("withholds the reliable badge when dispute rate is high", () => {
+    expect(getTrustBadges({ ...base, completedInvoices: 20, disputeRate: 0.2 })).toEqual([]);
+  });
+});

src/lib/creatorVerification.ts

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+export interface CreatorProfile {
+  emailVerified: boolean;
+  walletVerified: boolean;
+  kycVerified: boolean;
+  accountAgeDays: number;
+  completedInvoices: number;
+  disputeRate: number; // 0-1
+}
+
+export type BadgeId = "email" | "wallet" | "kyc" | "established" | "reliable";
+
+export interface TrustBadge {
+  id: BadgeId;
+  label: string;
+}
+
+export type TrustTier = "unverified" | "verified" | "trusted";
+
+export function getTrustBadges(p: CreatorProfile): TrustBadge[] {
+  const badges: TrustBadge[] = [];
+  if (p.emailVerified) badges.push({ id: "email", label: "Email verified" });
+  if (p.walletVerified) badges.push({ id: "wallet", label: "Wallet verified" });
+  if (p.kycVerified) badges.push({ id: "kyc", label: "Identity verified" });
+  if (p.accountAgeDays >= 180) badges.push({ id: "established", label: "Established creator" });
+  if (p.completedInvoices >= 10 && p.disputeRate < 0.05) badges.push({ id: "reliable", label: "Reliable payer history" });
+  return badges;
+}
+
+export function getTrustTier(p: CreatorProfile): TrustTier {
+  if (!p.walletVerified) return "unverified";
+  const ids = getTrustBadges(p).map((b) => b.id);
+  return ids.includes("kyc") && ids.includes("reliable") ? "trusted" : "verified";
+}

src/lib/invoiceRiskAssessment.test.ts

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+import { describe, it, expect } from "vitest";
+import { assessInvoiceRisk } from "./invoiceRiskAssessment";
+
+const base = { amount: 100, recipientCount: 2, creatorAccountAgeDays: 365, priorDisputes: 0, deadlineDays: 14 };
+
+describe("assessInvoiceRisk", () => {
+  it("rates a typical invoice as low risk", () => {
+    expect(assessInvoiceRisk(base)).toEqual({ score: 0, level: "low", factors: [] });
+  });
+
+  it("flags medium risk for elevated amount from a young account", () => {
+    const r = assessInvoiceRisk({ ...base, amount: 5_000, creatorAccountAgeDays: 10, priorDisputes: 1, isPrivate: true });
+    expect(r.level).toBe("medium");
+    expect(r.factors.map((f) => f.id)).toEqual(["medium-amount", "young-account", "disputes", "private"]);
+  });
+
+  it("flags high risk and caps score at 100", () => {
+    const r = assessInvoiceRisk({ amount: 50_000, recipientCount: 50, creatorAccountAgeDays: 1, priorDisputes: 5, deadlineDays: 0 });
+    expect(r.level).toBe("high");
+    expect(r.score).toBe(100);
+  });
+});