// Process customer refund
const processRefund = async (orderId, customerId, amount) => {
  // Get customer's recipient code
  const recipient = await getCustomerRecipient(customerId);
  
  const transfer = await payvessel.transfer.initiate({
    source: 'balance',
    amount: amount,
    recipient: recipient.recipient_code,
    reason: 'refund',
    reference: `REFUND_${orderId}_${Date.now()}`,
    narration: `Refund for Order #${orderId}`,
    metadata: {
      order_id: orderId,
      customer_id: customerId,
      refund_type: 'order_cancellation',
      processed_by: 'system'
    }
  });
  
  // Update order status
  await updateOrderStatus(orderId, 'refunded');
  
  return transfer.data;
};

// Pay vendor for services
const payVendor = async (invoiceId, vendorId, amount) => {
  const vendor = await getVendor(vendorId);
  
  const transfer = await payvessel.transfer.initiate({
    source: 'balance',
    amount: amount,
    recipient: vendor.recipient_code,
    reason: 'business_payment',
    reference: `VENDOR_${invoiceId}_${Date.now()}`,
    narration: `Payment for Invoice #${invoiceId}`,
    metadata: {
      invoice_id: invoiceId,
      vendor_id: vendorId,
      payment_type: 'invoice_settlement',
      approved_by: 'finance_team'
    }
  });
  
  // Mark invoice as paid
  await markInvoiceAsPaid(invoiceId, transfer.data.reference);
  
  return transfer.data;
};

// Process user withdrawal request
const processWithdrawal = async (userId, withdrawalAmount, recipientCode) => {
  // Verify user has sufficient balance
  const userBalance = await getUserBalance(userId);
  if (userBalance < withdrawalAmount) {
    throw new Error('Insufficient balance');
  }
  
  const transfer = await payvessel.transfer.initiate({
    source: 'balance',
    amount: withdrawalAmount,
    recipient: recipientCode,
    reason: 'withdrawal',
    reference: `WDL_${userId}_${Date.now()}`,
    narration: 'Account Withdrawal',
    metadata: {
      user_id: userId,
      withdrawal_type: 'user_request',
      requested_at: new Date().toISOString()
    }
  });
  
  // Deduct from user balance
  await deductUserBalance(userId, withdrawalAmount);
  
  // Log withdrawal
  await logWithdrawal(userId, transfer.data);
  
  return transfer.data;
};