commerce: refund lifecycle as a flow-on-sx flow (20 tests) — Phase 5 backlog complete

refund.sx — refund as a second flow-on-sx flow (request -> approve -> settle)
with two suspension points (approval = human/policy decision, settle =
provider). refund-begin! records :refund-requested and suspends at approval;
refund-approve! advances to settle; refund-settle! records :refunded
(idempotent) and completes; refund-reject! records :refund-rejected and cancels.
Only :refunded moves the books. Reuses order.sx flow helpers. Completes the
Phase 5 backlog. Total 278/278 across 17 suites.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

lib/commerce/refund.sx

@@ -0,0 +1,97 @@
+;; lib/commerce/refund.sx — refund lifecycle as a second flow-on-sx flow.
+;;
+;; A refund is request → approve → settle, with TWO genuine suspension points:
+;; approval (a human/policy decision) and settlement (the provider issuing the
+;; refund). Like order.sx the flow is pure orchestration carrying only the
+;; order-id; the SX driver does all ledger IO and reuses order.sx's generic flow
+;; helpers (order-flow-waiting/-resume/-status, order-susp-id).
+;;
+;;   refund-begin!   → ledger :refund-requested, flow suspends at 'approve
+;;   refund-approve! → resume past approval, flow suspends at 'settle
+;;   refund-settle!  → ledger :refunded (idempotent), flow completes
+;;   refund-reject!  → ledger :refund-rejected, flow cancelled
+;;
+;; Only :refunded moves the books (recon.sx), so a requested-but-unsettled or
+;; rejected refund leaves reconciliation unchanged.
+
+(define
+  refund-flow-src
+  "(defflow refund-lifecycle (lambda (oid) (begin (request (quote approve) oid) (request (quote settle) oid))))")
+
+(define
+  refund-make-env
+  (fn
+    ()
+    (let
+      ((env (flow-make-env)))
+      (begin (flow-run-in env refund-flow-src) env))))
+
+;; Register the refund flow into an existing (e.g. order) env.
+(define
+  refund-flow-load!
+  (fn (env) (begin (flow-run-in env refund-flow-src) env)))
+
+(define
+  refund-flow-start
+  (fn
+    (env oid)
+    (flow-run-in env (str "(flow/start refund-lifecycle \"" oid "\")"))))
+
+;; --- ledger writes ---
+
+(define
+  refund-request
+  (fn
+    (b oid ref at amount)
+    (persist/append-once
+      b
+      (order-stream oid)
+      (str "refund-req/" ref)
+      :refund-requested at
+      {:amount amount :ref ref})))
+
+;; --- lifecycle ---
+
+;; Open a refund: record the request, start the flow, suspend at approval.
+(define
+  refund-begin!
+  (fn
+    (env b oid ref at amount)
+    (begin
+      (refund-request b oid ref at amount)
+      (order-susp-id (refund-flow-start env oid)))))
+
+(define
+  refund-approve!
+  (fn
+    (env id)
+    (if
+      (= (order-flow-waiting env id) "approve")
+      (begin (order-flow-resume env id :approved) :approved)
+      :not-pending-approval)))
+
+(define
+  refund-reject!
+  (fn
+    (env b oid id at reason)
+    (if
+      (= (order-flow-waiting env id) "approve")
+      (begin
+        (persist/append b (order-stream oid) :refund-rejected at {:reason reason})
+        (flow-run-in env (str "(flow/cancel " id ")"))
+        :rejected)
+      :not-pending-approval)))
+
+;; Settle (provider issued the refund): idempotent — only acts while waiting on
+;; settle, so a replayed provider callback returns :already-settled.
+(define
+  refund-settle!
+  (fn
+    (env b id oid ref at amount)
+    (if
+      (= (order-flow-waiting env id) "settle")
+      (begin
+        (order-refund b oid ref at amount)
+        (order-flow-resume env id :settled)
+        :settled)
+      :already-settled)))