EIP-DRAFT: Collateralized Trade Deal Standard for Invoice Financing¶

interface ICollateralizedTradeDeal {
    enum OperationMode { STANDARD, ADVANCED, CUSTOM }

    struct TradeDeal {
        string name;
        string symbol;
        uint256 interestRate; // In basis points (100 = 1%)
        uint256 collateralToInterestRatio;
        bool active;
        address nftAddress;
        address collateralAddress;
        address interestAddress;
        address usdcAddress;
        OperationMode operationMode;
        uint256[] requiredClaimTopics;
    }

    // Events
    event TradeDealCreated(uint256 indexed tradeDealId, string name, string symbol, uint256 interestRate, uint256 collateralToInterestRatio, bool active, address nftAddress, address collateralAddress, address interestAddress, address usdcAddress, OperationMode operationMode);
    event TradeDealFullyFunded(uint256 indexed tradeDealId, uint256 fundingTarget);
    event TradeDealFundingWithdrawn(uint256 indexed tradeDealId, address indexed recipient, uint256 amount);
    event TradeDealRepaid(uint256 indexed tradeDealId, address indexed repayer, uint256 amount, bool fullyRepaid);
    event CollateralTokensDistributed(uint256 indexed tradeDealId, address indexed recipient, uint256 amount);
    event CollateralTokensRedeemed(uint256 indexed tradeDealId, address indexed redeemer, uint256 collateralAmount, uint256 usdcAmount);
    event InterestDistributedForTradeDeal(uint256 indexed tradeDealId, uint256 totalInterest, uint256 invoicePoolInterest, uint256 interestInterest, uint256 interestTokensMinted);
    event InvoiceDepositedToTradeDeal(uint256 indexed tradeDealId, uint256 indexed tokenId);
    event InvoiceWithdrawnFromTradeDeal(uint256 indexed tradeDealId, uint256 indexed tokenId);
    event USDCDepositedToTradeDeal(uint256 indexed tradeDealId, uint256 amount, address depositor);
    event TradeDealRequiredClaimTopicsSet(uint256 indexed tradeDealId, uint256[] claimTopics);

    // Core Functions
    function createTradeDeal(string memory name, string memory symbol, uint256 interestRate, uint256 collateralToInterestRatio, uint256[] memory requiredClaimTopics, address collateralAddress, address interestAddress, address usdcAddress, OperationMode operationMode) external returns (uint256);
    function updateTradeDeal(uint256 tradeDealId, string memory name, string memory symbol, uint256 interestRate, uint256 collateralToInterestRatio, address collateralAddress, address interestAddress, address usdcAddress) external;
    function activateTradeDeal(uint256 tradeDealId) external;
    function deactivateTradeDeal(uint256 tradeDealId) external;

    // Funding Operations
    function tdDepositUSDC(uint256 tradeDealId, uint256 amount) external;
    function tdWithdrawUSDC(uint256 tradeDealId, uint256 amount) external;
    function withdrawTradeDealFundingForBorrower(uint256 tradeDealId, address borrowerAddress) external;

    // Collateral Operations
    function tdDepositInvoice(uint256 tradeDealId, uint256 tokenId) external;
    function tdWithdrawInvoice(uint256 tradeDealId, uint256 tokenId) external;

    // Repayment Operations
    function repayTradeDeal(uint256 tradeDealId, uint256 amount) external;
    function repayTradeDealForBorrower(uint256 tradeDealId, address borrower, uint256 amount) external;
    function redeemCollateralTokens(uint256 tradeDealId, uint256 collateralAmount) external;

    // Interest Distribution
    function tdDistributeInterest(uint256 tradeDealId) external;

    // Access Control
    function setTradeDealRequiredClaimTopics(uint256 tradeDealId, uint256[] memory claimTopics) external;
    function getTradeDealRequiredClaimTopics(uint256 tradeDealId) external view returns (uint256[] memory);

    // View Functions
    function getTradeDealInfo(uint256 tradeDealId) external view returns (string memory name, string memory symbol, uint256 interestRate, uint256 collateralToInterestRatio, bool active, OperationMode operationMode);
    function getTradeDealFullStatus(uint256 tradeDealId) external view returns (uint256 fundingTarget, uint256 currentBalance, bool isFunded, bool isFundingWithdrawn, uint256 totalDebt, uint256 repaidAmount, bool isRepaid);
    function isTradeDealParticipant(uint256 tradeDealId, address user) external view returns (bool);
    function isTradeDealFunded(uint256 tradeDealId) external view returns (bool);
    function isTradeDealRepaid(uint256 tradeDealId) external view returns (bool);
    function getAllTradeDealIds() external view returns (uint256[] memory);
}

// 1. Create Trade Deal
uint256 tradeDealId = createTradeDeal("Invoice Deal #1", "ID1", 500, 10000, claimTopics, collateralToken, interestToken, usdcToken, OperationMode.STANDARD);

// 2. Deposit Invoices as Collateral
tdDepositInvoice(tradeDealId, invoiceTokenId);

// 3. Fund the Deal
tdDepositUSDC(tradeDealId, fundingAmount);

// 4. Withdraw Funding (when fully funded)
withdrawTradeDealFundingForBorrower(tradeDealId, borrowerAddress);

// 5. Distribute Interest (periodically)
tdDistributeInterest(tradeDealId);

// 6. Repay the Deal
repayTradeDeal(tradeDealId, repaymentAmount);

// 7. Redeem Collateral Tokens
redeemCollateralTokens(tradeDealId, collateralAmount);

function calculateInterest(uint256 principal, uint256 rate, uint256 timeElapsed) internal pure returns (uint256) {
    // rate is in basis points (100 = 1%)
    // timeElapsed is in seconds
    // Returns interest for the time period
    return (principal * rate * timeElapsed) / (10000 * 365 days);
}

function distributeCollateralTokens(uint256 tradeDealId, address recipient, uint256 usdcAmount) internal {
    TradeDeal storage deal = tradeDeals[tradeDealId];
    uint256 collateralAmount = usdcAmount; // 1:1 ratio, can be customized

    IERC20Mint(deal.collateralAddress).mintTo(recipient, collateralAmount);
    emit CollateralTokensDistributed(tradeDealId, recipient, collateralAmount);
}