//! Zero-Knowledge Financial Proofs //! //! Prove financial statements without revealing actual numbers. //! All proofs are generated in the browser - private data never leaves. //! //! # ⚠️ SECURITY WARNING ⚠️ //! //! **THIS IS A DEMONSTRATION IMPLEMENTATION - NOT PRODUCTION READY** //! //! The cryptographic primitives in this module are SIMPLIFIED for educational //! purposes and API demonstration. They do NOT provide real security: //! //! - Custom hash function (not SHA-256) //! - Simplified Pedersen commitments (not elliptic curve based) //! - Mock bulletproof verification (does not verify mathematical properties) //! //! ## For Production Use //! //! Replace with battle-tested cryptographic libraries: //! ```toml //! bulletproofs = "4.0" # Real bulletproofs //! curve25519-dalek = "4.0" # Elliptic curve operations //! merlin = "3.0" # Fiat-Shamir transcripts //! sha2 = "0.10" # Cryptographic hash //! ``` //! //! ## Supported Proofs (API Demo) //! //! - **Range Proofs**: Prove a value is within a range //! - **Comparison Proofs**: Prove value A > value B //! - **Aggregate Proofs**: Prove sum/average meets criteria //! - **History Proofs**: Prove statements about transaction history //! //! ## Cryptographic Basis (Production) //! //! Real implementation would use Bulletproofs for range proofs (no trusted setup). //! Pedersen commitments on Ristretto255 curve hide values while allowing verification. use serde::{Deserialize, Serialize}; use std::collections::HashMap; // ============================================================================ // Core Types // ============================================================================ /// A committed value - hides the actual number /// /// # Security Note /// In production, this would be a Ristretto255 point: `C = v·G + r·H` #[derive(Debug, Clone, Serialize, Deserialize)] pub struct Commitment { /// The commitment point (in production: compressed Ristretto255) pub point: [u8; 32], // NOTE: Blinding factor removed from struct to prevent accidental leakage. // Prover must track blindings separately in a secure manner. } /// A zero-knowledge proof #[derive(Debug, Clone, Serialize, Deserialize)] pub struct ZkProof { /// Proof type identifier pub proof_type: ProofType, /// The actual proof bytes pub proof_data: Vec, /// Public inputs (what the verifier needs) pub public_inputs: PublicInputs, /// Timestamp when proof was generated pub generated_at: u64, /// Expiration (proofs can be time-limited) pub expires_at: Option, } /// Types of proofs we can generate #[derive(Debug, Clone, Serialize, Deserialize, PartialEq)] pub enum ProofType { /// Prove: value ∈ [min, max] Range, /// Prove: value_a > value_b (or ≥, <, ≤) Comparison, /// Prove: income ≥ multiplier × expense Affordability, /// Prove: all values in set ≥ 0 (no overdrafts) NonNegative, /// Prove: sum of values ≤ threshold SumBound, /// Prove: average of values meets criteria AverageBound, /// Prove: membership in a set (e.g., verified accounts) SetMembership, } /// Public inputs that verifier sees #[derive(Debug, Clone, Serialize, Deserialize)] pub struct PublicInputs { /// Commitments to hidden values pub commitments: Vec, /// Public threshold/bound values pub bounds: Vec, /// Statement being proven (human readable) pub statement: String, /// Optional: institution that signed the source data pub attestation: Option, } /// Attestation from a trusted source (e.g., Plaid) #[derive(Debug, Clone, Serialize, Deserialize)] pub struct Attestation { /// Who attested (e.g., "plaid.com") pub issuer: String, /// Signature over the commitments pub signature: Vec, /// When the attestation was made pub timestamp: u64, } /// Result of proof verification #[derive(Debug, Clone, Serialize, Deserialize)] pub struct VerificationResult { pub valid: bool, pub statement: String, pub verified_at: u64, pub error: Option, } // ============================================================================ // Pedersen Commitments (Simplified) // ============================================================================ /// Pedersen commitment scheme /// C = v*G + r*H where v=value, r=blinding, G,H=generator points pub struct PedersenCommitment; impl PedersenCommitment { /// Create a commitment to a value pub fn commit(value: u64, blinding: &[u8; 32]) -> Commitment { // Simplified: In production, use curve25519-dalek let mut point = [0u8; 32]; // Hash(value || blinding) as simplified commitment let mut hasher = Sha256::new(); hasher.update(&value.to_le_bytes()); hasher.update(blinding); let hash = hasher.finalize(); point.copy_from_slice(&hash[..32]); Commitment { point, } } /// Generate random blinding factor pub fn random_blinding() -> [u8; 32] { use rand::Rng; let mut rng = rand::thread_rng(); let mut blinding = [0u8; 32]; rng.fill(&mut blinding); blinding } /// Verify a commitment opens to a value (only prover can do this) pub fn verify_opening(commitment: &Commitment, value: u64, blinding: &[u8; 32]) -> bool { let expected = Self::commit(value, blinding); commitment.point == expected.point } } // Simple SHA256 for commitments struct Sha256 { data: Vec, } impl Sha256 { fn new() -> Self { Self { data: Vec::new() } } fn update(&mut self, data: &[u8]) { self.data.extend_from_slice(data); } fn finalize(self) -> [u8; 32] { // Simplified hash - in production use sha2 crate let mut result = [0u8; 32]; for (i, chunk) in self.data.chunks(32).enumerate() { for (j, &byte) in chunk.iter().enumerate() { result[(i + j) % 32] ^= byte.wrapping_mul((i + j + 1) as u8); } } // Mix more for i in 0..32 { result[i] = result[i] .wrapping_add(result[(i + 7) % 32]) .wrapping_mul(result[(i + 13) % 32] | 1); } result } } // ============================================================================ // Range Proofs (Bulletproofs-style) // ============================================================================ /// Bulletproof-style range proof /// Proves: value ∈ [0, 2^n) without revealing value pub struct RangeProof; impl RangeProof { /// Generate a range proof /// Proves: committed_value ∈ [min, max] pub fn prove(value: u64, min: u64, max: u64, blinding: &[u8; 32]) -> Result { // Validate range if value < min || value > max { return Err("Value not in range".to_string()); } // Create commitment let commitment = PedersenCommitment::commit(value, blinding); // Generate proof data (simplified Bulletproof) // In production: use bulletproofs crate let proof_data = Self::generate_bulletproof(value, min, max, blinding); Ok(ZkProof { proof_type: ProofType::Range, proof_data, public_inputs: PublicInputs { commitments: vec![commitment], bounds: vec![min, max], statement: format!("Value is between {} and {}", min, max), attestation: None, }, generated_at: current_timestamp(), expires_at: Some(current_timestamp() + 86400 * 30), // 30 days }) } /// Verify a range proof pub fn verify(proof: &ZkProof) -> VerificationResult { if proof.proof_type != ProofType::Range { return VerificationResult { valid: false, statement: proof.public_inputs.statement.clone(), verified_at: current_timestamp(), error: Some("Wrong proof type".to_string()), }; } // Verify the bulletproof (simplified) let valid = Self::verify_bulletproof( &proof.proof_data, &proof.public_inputs.commitments[0], proof.public_inputs.bounds[0], proof.public_inputs.bounds[1], ); VerificationResult { valid, statement: proof.public_inputs.statement.clone(), verified_at: current_timestamp(), error: if valid { None } else { Some("Proof verification failed".to_string()) }, } } // Simplified bulletproof generation fn generate_bulletproof(value: u64, min: u64, max: u64, blinding: &[u8; 32]) -> Vec { let mut proof = Vec::new(); // Encode shifted value (value - min) let shifted = value - min; let range = max - min; // Number of bits needed let bits = (64 - range.leading_zeros()) as usize; // Generate bit commitments (simplified) for i in 0..bits { let bit = (shifted >> i) & 1; let bit_blinding = Self::derive_bit_blinding(blinding, i); let bit_commitment = PedersenCommitment::commit(bit, &bit_blinding); proof.extend_from_slice(&bit_commitment.point); } // Add challenge response (Fiat-Shamir) let challenge = Self::fiat_shamir_challenge(&proof, blinding); proof.extend_from_slice(&challenge); proof } // Simplified bulletproof verification fn verify_bulletproof( proof_data: &[u8], commitment: &Commitment, min: u64, max: u64, ) -> bool { let range = max - min; let bits = (64 - range.leading_zeros()) as usize; // Check proof has correct structure let expected_len = bits * 32 + 32; // bit commitments + challenge if proof_data.len() != expected_len { return false; } // Verify structure (simplified - real bulletproofs do much more) // In production: verify inner product argument // Check challenge is properly formed let challenge_start = bits * 32; let _challenge = &proof_data[challenge_start..]; // Simplified: just check it's not all zeros proof_data.iter().any(|&b| b != 0) } fn derive_bit_blinding(base_blinding: &[u8; 32], bit_index: usize) -> [u8; 32] { let mut result = *base_blinding; result[0] ^= bit_index as u8; result[31] ^= (bit_index >> 8) as u8; result } fn fiat_shamir_challenge(transcript: &[u8], blinding: &[u8; 32]) -> [u8; 32] { let mut hasher = Sha256::new(); hasher.update(transcript); hasher.update(blinding); hasher.finalize() } } // ============================================================================ // Financial Proof Builder // ============================================================================ /// Builder for common financial proofs pub struct FinancialProofBuilder { /// Monthly income values income: Vec, /// Monthly expenses by category expenses: HashMap>, /// Account balances over time balances: Vec, /// Blinding factors (kept secret) blindings: HashMap, } impl FinancialProofBuilder { pub fn new() -> Self { Self { income: Vec::new(), expenses: HashMap::new(), balances: Vec::new(), blindings: HashMap::new(), } } /// Add monthly income data pub fn with_income(mut self, monthly_income: Vec) -> Self { self.income = monthly_income; self } /// Add expense category data pub fn with_expenses(mut self, category: &str, monthly: Vec) -> Self { self.expenses.insert(category.to_string(), monthly); self } /// Add balance history pub fn with_balances(mut self, daily_balances: Vec) -> Self { self.balances = daily_balances; self } // ======================================================================== // Proof Generation // ======================================================================== /// Prove: income ≥ threshold pub fn prove_income_above(&self, threshold: u64) -> Result { let avg_income = self.income.iter().sum::() / self.income.len().max(1) as u64; let blinding = self.get_or_create_blinding("income"); RangeProof::prove(avg_income, threshold, u64::MAX / 2, &blinding) .map(|mut p| { p.public_inputs.statement = format!( "Average monthly income ≥ ${}", threshold ); p }) } /// Prove: income ≥ multiplier × rent (affordability) pub fn prove_affordability(&self, rent: u64, multiplier: u64) -> Result { let avg_income = self.income.iter().sum::() / self.income.len().max(1) as u64; let required = rent * multiplier; if avg_income < required { return Err("Income does not meet affordability requirement".to_string()); } let blinding = self.get_or_create_blinding("affordability"); // Prove income ≥ required RangeProof::prove(avg_income, required, u64::MAX / 2, &blinding) .map(|mut p| { p.proof_type = ProofType::Affordability; p.public_inputs.statement = format!( "Income ≥ {}× monthly rent of ${}", multiplier, rent ); p.public_inputs.bounds = vec![rent, multiplier]; p }) } /// Prove: no overdrafts (all balances ≥ 0) for N days pub fn prove_no_overdrafts(&self, days: usize) -> Result { let relevant_balances = if days < self.balances.len() { &self.balances[self.balances.len() - days..] } else { &self.balances[..] }; // Check all balances are non-negative let min_balance = *relevant_balances.iter().min().unwrap_or(&0); if min_balance < 0 { return Err("Overdraft detected in period".to_string()); } let blinding = self.get_or_create_blinding("no_overdraft"); // Prove minimum balance ≥ 0 RangeProof::prove(min_balance as u64, 0, u64::MAX / 2, &blinding) .map(|mut p| { p.proof_type = ProofType::NonNegative; p.public_inputs.statement = format!( "No overdrafts in the past {} days", days ); p.public_inputs.bounds = vec![days as u64, 0]; p }) } /// Prove: savings ≥ threshold pub fn prove_savings_above(&self, threshold: u64) -> Result { let current_balance = *self.balances.last().unwrap_or(&0); if current_balance < threshold as i64 { return Err("Savings below threshold".to_string()); } let blinding = self.get_or_create_blinding("savings"); RangeProof::prove(current_balance as u64, threshold, u64::MAX / 2, &blinding) .map(|mut p| { p.public_inputs.statement = format!( "Current savings ≥ ${}", threshold ); p }) } /// Prove: average spending in category ≤ budget pub fn prove_budget_compliance( &self, category: &str, budget: u64, ) -> Result { let expenses = self.expenses.get(category) .ok_or_else(|| format!("No data for category: {}", category))?; let avg_spending = expenses.iter().sum::() / expenses.len().max(1) as u64; if avg_spending > budget { return Err("Average spending exceeds budget".to_string()); } let blinding = self.get_or_create_blinding(&format!("budget_{}", category)); // Prove spending ≤ budget (equivalent to: spending ∈ [0, budget]) RangeProof::prove(avg_spending, 0, budget, &blinding) .map(|mut p| { p.proof_type = ProofType::SumBound; p.public_inputs.statement = format!( "Average {} spending ≤ ${}/month", category, budget ); p }) } /// Prove: debt-to-income ratio ≤ threshold% pub fn prove_debt_ratio(&self, monthly_debt: u64, max_ratio: u64) -> Result { let avg_income = self.income.iter().sum::() / self.income.len().max(1) as u64; // ratio = (debt * 100) / income let actual_ratio = (monthly_debt * 100) / avg_income.max(1); if actual_ratio > max_ratio { return Err("Debt ratio exceeds maximum".to_string()); } let blinding = self.get_or_create_blinding("debt_ratio"); RangeProof::prove(actual_ratio, 0, max_ratio, &blinding) .map(|mut p| { p.public_inputs.statement = format!( "Debt-to-income ratio ≤ {}%", max_ratio ); p }) } // ======================================================================== // Helpers // ======================================================================== fn get_or_create_blinding(&self, key: &str) -> [u8; 32] { // In real impl, would store and reuse blindings // For now, generate deterministically from key let mut blinding = [0u8; 32]; for (i, c) in key.bytes().enumerate() { blinding[i % 32] ^= c; } // Add randomness let random = PedersenCommitment::random_blinding(); for i in 0..32 { blinding[i] ^= random[i]; } blinding } } impl Default for FinancialProofBuilder { fn default() -> Self { Self::new() } } // ============================================================================ // Composite Proofs (Multiple Statements) // ============================================================================ /// A bundle of proofs for rental application #[derive(Debug, Clone, Serialize, Deserialize)] pub struct RentalApplicationProof { /// Prove income meets requirement pub income_proof: ZkProof, /// Prove no overdrafts pub stability_proof: ZkProof, /// Prove savings buffer pub savings_proof: Option, /// Application metadata pub metadata: ApplicationMetadata, } #[derive(Debug, Clone, Serialize, Deserialize)] pub struct ApplicationMetadata { pub applicant_id: String, pub property_id: Option, pub generated_at: u64, pub expires_at: u64, } impl RentalApplicationProof { /// Create a complete rental application proof bundle pub fn create( builder: &FinancialProofBuilder, rent: u64, income_multiplier: u64, stability_days: usize, savings_months: Option, ) -> Result { let income_proof = builder.prove_affordability(rent, income_multiplier)?; let stability_proof = builder.prove_no_overdrafts(stability_days)?; let savings_proof = if let Some(months) = savings_months { Some(builder.prove_savings_above(rent * months)?) } else { None }; Ok(Self { income_proof, stability_proof, savings_proof, metadata: ApplicationMetadata { applicant_id: generate_anonymous_id(), property_id: None, generated_at: current_timestamp(), expires_at: current_timestamp() + 86400 * 30, // 30 days }, }) } /// Verify all proofs in the bundle pub fn verify(&self) -> Vec { let mut results = vec![ RangeProof::verify(&self.income_proof), RangeProof::verify(&self.stability_proof), ]; if let Some(ref savings_proof) = self.savings_proof { results.push(RangeProof::verify(savings_proof)); } results } /// Check if application is valid (all proofs pass) pub fn is_valid(&self) -> bool { self.verify().iter().all(|r| r.valid) } } // ============================================================================ // Helpers // ============================================================================ fn current_timestamp() -> u64 { std::time::SystemTime::now() .duration_since(std::time::UNIX_EPOCH) .map(|d| d.as_secs()) .unwrap_or(0) } fn generate_anonymous_id() -> String { use rand::Rng; let mut rng = rand::thread_rng(); let mut bytes = [0u8; 16]; rng.fill(&mut bytes); hex::encode(bytes) } // ============================================================================ // Tests // ============================================================================ #[cfg(test)] mod tests { use super::*; #[test] fn test_range_proof() { let value = 5000u64; let blinding = PedersenCommitment::random_blinding(); let proof = RangeProof::prove(value, 3000, 10000, &blinding).unwrap(); let result = RangeProof::verify(&proof); assert!(result.valid); } #[test] fn test_income_proof() { let builder = FinancialProofBuilder::new() .with_income(vec![6500, 6500, 6800, 6500]); // ~$6500/month // Prove income ≥ $5000 let proof = builder.prove_income_above(5000).unwrap(); let result = RangeProof::verify(&proof); assert!(result.valid); assert!(result.statement.contains("5000")); } #[test] fn test_affordability_proof() { let builder = FinancialProofBuilder::new() .with_income(vec![6500, 6500, 6500, 6500]); // Prove can afford $2000 rent (need 3x = $6000) let proof = builder.prove_affordability(2000, 3).unwrap(); let result = RangeProof::verify(&proof); assert!(result.valid); } #[test] fn test_no_overdraft_proof() { let builder = FinancialProofBuilder::new() .with_balances(vec![1000, 800, 1200, 500, 900, 1100, 1500]); let proof = builder.prove_no_overdrafts(7).unwrap(); let result = RangeProof::verify(&proof); assert!(result.valid); } #[test] fn test_rental_application() { let builder = FinancialProofBuilder::new() .with_income(vec![6500, 6500, 6500, 6500]) .with_balances(vec![5000, 5200, 4800, 5100, 5300, 5000, 5500]); let application = RentalApplicationProof::create( &builder, 2000, // rent 3, // income multiplier 30, // stability days Some(2), // 2 months savings ).unwrap(); assert!(application.is_valid()); } }