<?php

declare(strict_types=1);

/**
 * FinoviaPay Telegram Bot - International Transfer Verification Functions
 * Phase 1: Verification-only access flow for International Transfers
 */

if (!function_exists('botIntTransferStatePrefix')) {
    function botIntTransferStatePrefix(): string
    {
        return 'INT_TRANSFER_VERIFY_';
    }
}

if (!function_exists('botIntTransferAllowedVerificationStates')) {
    function botIntTransferAllowedVerificationStates(): array
    {
        return [
            'INT_TRANSFER_VERIFY_INTRO',
            'INT_TRANSFER_VERIFY_FULL_NAME',
            'INT_TRANSFER_VERIFY_DOB',
            'INT_TRANSFER_VERIFY_COUNTRY',
            'INT_TRANSFER_VERIFY_NATIONALITY',
            'INT_TRANSFER_VERIFY_OCCUPATION',
            'INT_TRANSFER_VERIFY_SOURCE_OF_FUNDS',
            'INT_TRANSFER_VERIFY_MONTHLY_VOLUME',
            'INT_TRANSFER_VERIFY_PURPOSE',
            'INT_TRANSFER_VERIFY_RELATIONSHIP',
            'INT_TRANSFER_VERIFY_DOC_NUMBER',
            'INT_TRANSFER_VERIFY_DOC_FRONT',
            'INT_TRANSFER_VERIFY_DOC_BACK',
            'INT_TRANSFER_VERIFY_SELFIE',
            'INT_TRANSFER_VERIFY_VIDEO',
            'INT_TRANSFER_VERIFY_REVIEW',
        ];
    }
}

if (!function_exists('botIntTransferResolveUserId')) {
    function botIntTransferResolveUserId(array $state): int
    {
        $candidates = [
            $state['identified_user_id'] ?? null,
            $state['user_id'] ?? null,
            $state['user']['id'] ?? null,
            $state['blocked_user']['id'] ?? null,
        ];

        foreach ($candidates as $candidate) {
            if (is_numeric($candidate) && (int)$candidate > 0) {
                return (int)$candidate;
            }
        }

        return 0;
    }
}

if (!function_exists('botIntTransferGetLatestVerification')) {
    function botIntTransferGetLatestVerification(PDO $pdo, int $userId): ?array
    {
        if ($userId <= 0) {
            return null;
        }

        $sql = "SELECT * FROM bot_int_transfer_verifications WHERE user_id = :user_id ORDER BY id DESC LIMIT 1";
        $stmt = $pdo->prepare($sql);
        $stmt->execute([':user_id' => $userId]);
        $row = $stmt->fetch(PDO::FETCH_ASSOC);

        return is_array($row) ? $row : null;
    }
}

if (!function_exists('botIsIntTransferEnabled')) {
    function botIsIntTransferEnabled(PDO $pdo, int $userId): bool
    {
        $row = botIntTransferGetLatestVerification($pdo, $userId);
        if (!$row) {
            return false;
        }

        return (int)($row['service_enabled'] ?? 0) === 1;
    }
}

if (!function_exists('botIntTransferMaskDocumentNumber')) {
    function botIntTransferMaskDocumentNumber(?string $documentNumber): string
    {
        $value = trim((string)$documentNumber);
        if ($value === '') {
            return 'Not Provided';
        }

        $length = mb_strlen($value);
        if ($length <= 4) {
            return str_repeat('*', $length);
        }

        return str_repeat('*', max(0, $length - 4)) . mb_substr($value, -4);
    }
}

if (!function_exists('botIntTransferGenerateReference')) {
    function botIntTransferGenerateReference(): string
    {
        try {
            $random = strtoupper(bin2hex(random_bytes(3)));
        } catch (Throwable $e) {
            $random = strtoupper(substr(md5((string)microtime(true)), 0, 6));
        }

        return 'ITV-' . date('Ymd') . '-' . $random;
    }
}

if (!function_exists('botIntTransferTableHasColumn')) {
    function botIntTransferTableHasColumn(PDO $pdo, string $table, string $column): bool
    {
        static $cache = [];
        $key = strtolower($table . '.' . $column);
        if (array_key_exists($key, $cache)) {
            return $cache[$key];
        }

        try {
            $stmt = $pdo->prepare("SHOW COLUMNS FROM `{$table}` LIKE :column");
            $stmt->execute([':column' => $column]);
            $cache[$key] = (bool)$stmt->fetch(PDO::FETCH_ASSOC);
        } catch (Throwable $e) {
            $cache[$key] = false;
        }

        return $cache[$key];
    }
}

if (!function_exists('botIntTransferExtractTelegramIdentity')) {
    function botIntTransferExtractTelegramIdentity(array $state, $chatId): array
    {
        $chatIdValue = null;
        if (is_scalar($chatId) && trim((string)$chatId) !== '') {
            $chatIdValue = (string)$chatId;
        }

        $userCandidates = [
            $state['telegram_user_id'] ?? null,
            $state['telegram_from_id'] ?? null,
            $state['from_id'] ?? null,
            $state['from']['id'] ?? null,
            $state['telegram']['user_id'] ?? null,
        ];

        $usernameCandidates = [
            $state['telegram_username'] ?? null,
            $state['username'] ?? null,
            $state['from']['username'] ?? null,
            $state['telegram']['username'] ?? null,
        ];

        $telegramUserId = null;
        foreach ($userCandidates as $candidate) {
            if (is_scalar($candidate) && trim((string)$candidate) !== '') {
                $telegramUserId = (string)$candidate;
                break;
            }
        }

        $telegramUsername = null;
        foreach ($usernameCandidates as $candidate) {
            if (is_scalar($candidate) && trim((string)$candidate) !== '') {
                $telegramUsername = ltrim(trim((string)$candidate), '@');
                break;
            }
        }

        return [
            'telegram_chat_id' => $chatIdValue,
            'telegram_user_id' => $telegramUserId,
            'telegram_username' => $telegramUsername,
        ];
    }
}


if (!function_exists('botIntTransferDownloadTelegramFile')) {
    function botIntTransferDownloadTelegramFile(string $fileId, string $prefix = 'int_transfer'): ?array
    {
        global $token;

        if ($fileId === '' || !function_exists('botTelegramApiRequest') || empty($token)) {
            return null;
        }

        $meta = botTelegramApiRequest('getFile', ['file_id' => $fileId]);
        if (!is_array($meta) || empty($meta['ok']) || empty($meta['result']['file_path'])) {
            return null;
        }

        $telegramPath = (string)$meta['result']['file_path'];
        $ext = strtolower((string)pathinfo($telegramPath, PATHINFO_EXTENSION));
        if ($ext === '') {
            $ext = 'jpg';
        }

        $dir = __DIR__ . '/uploads/int_transfer_verification';
        if (!is_dir($dir)) {
            @mkdir($dir, 0775, true);
        }
        if (!is_dir($dir) || !is_writable($dir)) {
            return null;
        }

        try {
            $random = bin2hex(random_bytes(4));
        } catch (Throwable $e) {
            $random = substr(md5((string)microtime(true)), 0, 8);
        }

        $safePrefix = preg_replace('/[^a-zA-Z0-9_\-]/', '_', $prefix);
        $filename = $safePrefix . '_' . date('Ymd_His') . '_' . $random . '.' . $ext;
        $absolutePath = $dir . '/' . $filename;
        $downloadUrl = "https://api.telegram.org/file/bot{$token}/{$telegramPath}";
        $binary = @file_get_contents($downloadUrl);

        if ($binary === false) {
            return null;
        }

        if (@file_put_contents($absolutePath, $binary) === false) {
            return null;
        }

        return [
            'absolute_path' => $absolutePath,
            'relative_path' => 'uploads/int_transfer_verification/' . $filename,
            'filename' => $filename,
            'telegram_file_id' => $fileId,
        ];
    }
}

if (!function_exists('botIntTransferVerificationKeyboard')) {
    function botIntTransferVerificationKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [
                    ['text' => '✅ Start Int Transfer Verification', 'callback_data' => 'int_transfer_start_verification'],
                ],
                [
                    ['text' => '📊 Verification Status', 'callback_data' => 'int_transfer_verification_status'],
                ],
                [
                    ['text' => '🆘 Int Transfer Help', 'callback_data' => 'int_transfer_help'],
                ],
                [
                    ['text' => '⬅️ Back', 'callback_data' => 'transfer_management_menu'],
                ],
            ],
        ];
    }
}

if (!function_exists('botIntTransferFullServiceKeyboard')) {
    function botIntTransferFullServiceKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [['text' => '🌍 Make a Int Transfer', 'callback_data' => 'int_transfer_make_transfer']],
                [['text' => '📈 Int Transfer Limit Management', 'callback_data' => 'int_transfer_limits']],
                [['text' => '🧾 Int Transfer History', 'callback_data' => 'int_transfer_history']],
                [['text' => '📡 Int Transfer Status', 'callback_data' => 'int_transfer_status']],
                [['text' => '🆘 Int Support / Help', 'callback_data' => 'int_transfer_help']],
                [['text' => '⬅️ Back', 'callback_data' => 'transfer_management_menu']],
            ],
        ];
    }
}

if (!function_exists('botIntTransferDocTypeKeyboard')) {
    function botIntTransferDocTypeKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [
                    ['text' => '🪪 National ID Card', 'callback_data' => 'int_transfer_doc_type_national_id_card'],
                ],
                [
                    ['text' => '📘 Passport', 'callback_data' => 'int_transfer_doc_type_passport'],
                ],
                [
                    ['text' => '🏠 Residence Permit', 'callback_data' => 'int_transfer_doc_type_residence_permit'],
                ],
                [
                    ['text' => '❌ Cancel Verification', 'callback_data' => 'int_transfer_cancel_verification'],
                ],
            ],
        ];
    }
}

if (!function_exists('botIntTransferYesNoKeyboard')) {
    function botIntTransferYesNoKeyboard(string $yesCallback, string $noCallback): array
    {
        return [
            'inline_keyboard' => [
                [
                    ['text' => 'Yes', 'callback_data' => $yesCallback],
                    ['text' => 'No', 'callback_data' => $noCallback],
                ],
                [
                    ['text' => '❌ Cancel Verification', 'callback_data' => 'int_transfer_cancel_verification'],
                ],
            ],
        ];
    }
}

if (!function_exists('botIntTransferSelfieKeyboard')) {
    function botIntTransferSelfieKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [['text' => '⏭️ Skip Selfie', 'callback_data' => 'int_transfer_skip_selfie']],
                [['text' => '❌ Cancel Verification', 'callback_data' => 'int_transfer_cancel_verification']],
            ],
        ];
    }
}

if (!function_exists('botIntTransferReviewKeyboard')) {
    function botIntTransferReviewKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [['text' => '✅ Submit Verification', 'callback_data' => 'int_transfer_submit_verification']],
                [['text' => '🔄 Cancel and Restart', 'callback_data' => 'int_transfer_restart_verification']],
                [['text' => '❌ Cancel', 'callback_data' => 'int_transfer_cancel_verification']],
            ],
        ];
    }
}

if (!function_exists('botIntTransferSubmittedKeyboard')) {
    function botIntTransferSubmittedKeyboard(): array
    {
        return [
            'inline_keyboard' => [
                [['text' => '📊 Check Status', 'callback_data' => 'int_transfer_verification_status']],
                [['text' => '⬅️ Back', 'callback_data' => 'int_transfer_management_menu']],
            ],
        ];
    }
}

if (!function_exists('botIntTransferSetStep')) {
    function botIntTransferSetStep(array &$states, string $stateFile, $chatId, string $step): void
    {
        if (!isset($states[$chatId]) || !is_array($states[$chatId])) {
            $states[$chatId] = [];
        }
        $states[$chatId]['step'] = $step;
        saveStates($states, $stateFile);
    }
}

if (!function_exists('botIntTransferClearDraft')) {
    function botIntTransferClearDraft(array &$states, string $stateFile, $chatId): void
    {
        if (!isset($states[$chatId]) || !is_array($states[$chatId])) {
            return;
        }

        unset($states[$chatId]['int_transfer_verification']);
        saveStates($states, $stateFile);
    }
}

if (!function_exists('botIntTransferSaveDraftField')) {
    function botIntTransferSaveDraftField(array &$states, string $stateFile, $chatId, string $field, $value): void
    {
        if (!isset($states[$chatId]) || !is_array($states[$chatId])) {
            $states[$chatId] = [];
        }

        if (!isset($states[$chatId]['int_transfer_verification']) || !is_array($states[$chatId]['int_transfer_verification'])) {
            $states[$chatId]['int_transfer_verification'] = [];
        }

        $states[$chatId]['int_transfer_verification'][$field] = $value;
        saveStates($states, $stateFile);
    }
}

if (!function_exists('botIntTransferGetDraft')) {
    function botIntTransferGetDraft(array $states, $chatId): array
    {
        $draft = $states[$chatId]['int_transfer_verification'] ?? [];
        return is_array($draft) ? $draft : [];
    }
}

if (!function_exists('botIntTransferResetVerificationSession')) {
    function botIntTransferResetVerificationSession(array &$states, string $stateFile, $chatId): void
    {
        botIntTransferClearDraft($states, $stateFile, $chatId);
        if (!isset($states[$chatId]) || !is_array($states[$chatId])) {
            $states[$chatId] = [];
        }
        $states[$chatId]['step'] = 'int_transfer_management_menu';
        saveStates($states, $stateFile);
    }
}

if (!function_exists('botShowIntTransferManagementMenu')) {
    function botShowIntTransferManagementMenu(PDO $pdo, array &$states, string $stateFile, $chatId): void
    {
        $state = $states[$chatId] ?? [];
        $userId = botIntTransferResolveUserId($state);

        if ($userId > 0 && botIsIntTransferEnabled($pdo, $userId)) {
            $message = "🌍 <b>International Transfer Management</b>\n\n"
                . "Your International Transfer service is active on your FinoviaPay profile. "
                . "Please select one of the available service options below.";
            $states[$chatId]['step'] = 'int_transfer_management_menu';
            saveStates($states, $stateFile);
            sendMessage($chatId, $message, botIntTransferFullServiceKeyboard());
            return;
        }

        $message = "🌍 <b>International Transfer Management</b>\n\n"
            . "International Transfer services are not enabled by default.\n\n"
            . "Before activation, you are required to complete a mandatory verification process, including:\n"
            . "• Basic AML information\n"
            . "• Identity document verification\n"
            . "• Short video identity confirmation\n\n"
            . "Please choose one of the options below to proceed.";

        $states[$chatId]['step'] = 'int_transfer_management_menu';
        saveStates($states, $stateFile);
        sendMessage($chatId, $message, botIntTransferVerificationKeyboard());
    }
}

if (!function_exists('botShowIntTransferHelp')) {
    function botShowIntTransferHelp($chatId): void
    {
        $message = "🆘 <b>International Transfer Help</b>\n\n"
            . "To activate International Transfer services, you must first complete the required compliance verification.\n\n"
            . "<b>This includes:</b>\n"
            . "• Basic AML information\n"
            . "• Identity document verification\n"
            . "• Short video confirmation\n\n"
            . "<b>Important guidance:</b>\n"
            . "• Please provide accurate information only\n"
            . "• Ensure your document images are clear and readable\n"
            . "• Record your video in good lighting\n"
            . "• Your face and document must be clearly visible\n\n"
            . "You may use the verification option to begin your request.";

        sendMessage($chatId, $message, botIntTransferVerificationKeyboard());
    }
}

if (!function_exists('botFormatIntTransferVerificationStatus')) {
    function botFormatIntTransferVerificationStatus(?array $verification): string
    {
        if (!$verification) {
            return "📊 <b>Verification Status</b>\n\n"
                . "No International Transfer verification request has been submitted yet.\n\n"
                . "Please start your verification to proceed.";
        }

        $status = strtoupper(trim((string)($verification['status'] ?? 'PENDING_REVIEW')));
        $reference = htmlspecialchars((string)($verification['reference_code'] ?? 'Not Available'), ENT_QUOTES, 'UTF-8');
        $serviceEnabled = (int)($verification['service_enabled'] ?? 0) === 1 ? 'Enabled' : 'Not Enabled';
        $createdAtRaw = trim((string)($verification['created_at'] ?? ''));
        $submittedAt = $createdAtRaw !== '' ? date('d M Y H:i', strtotime($createdAtRaw)) : 'Not Available';
        $notes = trim((string)($verification['admin_notes'] ?? ''));

        $statusMessage = [
            'PENDING_REVIEW' => 'Your verification request has been submitted successfully and is currently awaiting compliance review.',
            'UNDER_REVIEW' => 'Your verification request is currently under review by our compliance team.',
            'ADDITIONAL_INFO_REQUIRED' => 'Additional information is required before your request can be completed.',
            'APPROVED' => 'Your verification request has been approved successfully.',
            'REJECTED' => 'Your verification request could not be approved at this time.',
            'CANCELLED' => 'Your verification request has been cancelled.',
        ][$status] ?? 'Your latest verification request has been recorded in our system.';

        $lines = [
            "📊 <b>Verification Status</b>",
            '',
            $statusMessage,
            '',
            "<b>Reference ID:</b> {$reference}",
            "<b>Current Status:</b> " . htmlspecialchars($status, ENT_QUOTES, 'UTF-8'),
            "<b>Service Access:</b> {$serviceEnabled}",
            "<b>Submitted On:</b> " . htmlspecialchars($submittedAt, ENT_QUOTES, 'UTF-8'),
        ];

        if ($notes !== '') {
            $lines[] = '<b>Compliance Note:</b> ' . htmlspecialchars($notes, ENT_QUOTES, 'UTF-8');
        }

        if ((int)($verification['service_enabled'] ?? 0) === 1) {
            $lines[] = '';
            $lines[] = 'You may now access International Transfer services through your FinoviaPay Telegram Banking Desk.';
        }

        return implode("\n", $lines);
    }
}

if (!function_exists('botShowIntTransferVerificationStatus')) {
    function botShowIntTransferVerificationStatus(PDO $pdo, array $states, $chatId): void
    {
        $state = $states[$chatId] ?? [];
        $userId = botIntTransferResolveUserId($state);
        $verification = $userId > 0 ? botIntTransferGetLatestVerification($pdo, $userId) : null;
        sendMessage($chatId, botFormatIntTransferVerificationStatus($verification), botIntTransferVerificationKeyboard());
    }
}

if (!function_exists('botBuildIntTransferReviewMessage')) {
    function botBuildIntTransferReviewMessage(array $draft): string
    {
        $selfieStatus = !empty($draft['selfie_file_id']) ? 'Received' : 'Skipped';
        $frontStatus = !empty($draft['document_front_file_id']) ? 'Received' : 'Pending';
        $backStatus = !empty($draft['document_back_file_id']) ? 'Received' : 'Pending';
        $videoStatus = !empty($draft['video_file_id']) ? 'Received' : 'Pending';

        return "📑 <b>Verification Summary</b>\n\n"
            . "Please review your submitted information carefully:\n\n"
            . "• <b>Full Name:</b> " . htmlspecialchars((string)($draft['full_name'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Date of Birth:</b> " . htmlspecialchars((string)($draft['date_of_birth'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Country of Residence:</b> " . htmlspecialchars((string)($draft['country_of_residence'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Nationality:</b> " . htmlspecialchars((string)($draft['nationality'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Occupation:</b> " . htmlspecialchars((string)($draft['occupation'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Source of Funds:</b> " . htmlspecialchars((string)($draft['source_of_funds'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Expected Monthly Volume:</b> " . htmlspecialchars((string)($draft['expected_monthly_volume_eur'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . " EUR\n"
            . "• <b>Transfer Purpose:</b> " . htmlspecialchars((string)($draft['transfer_purpose'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Beneficiary Relationship:</b> " . htmlspecialchars((string)($draft['beneficiary_relationship'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Politically Exposed Person:</b> " . htmlspecialchars(strtoupper((string)($draft['is_pep'] ?? 'Not Provided')), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Third-Party Transactions:</b> " . htmlspecialchars(strtoupper((string)($draft['is_third_party'] ?? 'Not Provided')), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Legal Funds Confirmed:</b> " . htmlspecialchars(strtoupper((string)($draft['legal_funds_confirmed'] ?? 'Not Provided')), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Prior Transfer Experience:</b> " . htmlspecialchars(strtoupper((string)($draft['prior_transfer_experience'] ?? 'Not Provided')), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Document Type:</b> " . htmlspecialchars((string)($draft['document_type'] ?? 'Not Provided'), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Document Number:</b> " . htmlspecialchars(botIntTransferMaskDocumentNumber((string)($draft['document_number'] ?? '')), ENT_QUOTES, 'UTF-8') . "\n"
            . "• <b>Document Front:</b> {$frontStatus}\n"
            . "• <b>Document Back:</b> {$backStatus}\n"
            . "• <b>Selfie:</b> {$selfieStatus}\n"
            . "• <b>Video Verification:</b> {$videoStatus}\n\n"
            . "⚠️ <b>Declaration:</b> By proceeding, you confirm that all provided information is accurate and complete. "
            . "Providing false or misleading information may result in the rejection of your request.";
    }
}

if (!function_exists('botValidateIntTransferFullName')) {
    function botValidateIntTransferFullName(string $value): bool
    {
        $value = trim($value);
        return mb_strlen($value) >= 3;
    }
}

if (!function_exists('botValidateIntTransferDob')) {
    function botValidateIntTransferDob(string $value): bool
    {
        $value = trim($value);
        if (!preg_match('/^(\d{2})\/(\d{2})\/(\d{4})$/', $value, $matches)) {
            return false;
        }

        return checkdate((int)$matches[2], (int)$matches[1], (int)$matches[3]);
    }
}

if (!function_exists('botValidateIntTransferSimpleText')) {
    function botValidateIntTransferSimpleText(string $value, int $minLength = 2): bool
    {
        return mb_strlen(trim($value)) >= $minLength;
    }
}

if (!function_exists('botValidateIntTransferAmount')) {
    function botValidateIntTransferAmount(string $value): bool
    {
        $normalized = str_replace([',', ' '], ['', ''], trim($value));
        return is_numeric($normalized) && (float)$normalized > 0;
    }
}

if (!function_exists('botPromptIntTransferVerificationStart')) {
    function botPromptIntTransferVerificationStart(array &$states, string $stateFile, $chatId): void
    {
        botIntTransferClearDraft($states, $stateFile, $chatId);
        botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_INTRO');

        $message = "🌍 <b>International Transfer Service Activation</b>\n\n"
            . "Thank you for your interest in activating International Transfer services with FinoviaPay.\n\n"
            . "For your security and to comply with international regulatory requirements, this service is not enabled by default.\n\n"
            . "Before activation, all customers are required to complete a mandatory verification process, which includes:\n\n"
            . "• Basic AML information\n"
            . "• Identity document verification\n"
            . "• Short video identity confirmation\n\n"
            . "⏱ <b>Estimated completion time:</b> 2–3 minutes\n"
            . "🕒 <b>Review time:</b> 24–72 hours\n\n"
            . "Please choose an option below to proceed.";

        sendMessage($chatId, $message, [
            'inline_keyboard' => [
                [['text' => '✅ Continue Verification', 'callback_data' => 'int_transfer_continue_verification']],
                [['text' => '❌ Cancel', 'callback_data' => 'int_transfer_cancel_verification']],
            ],
        ]);
    }
}

if (!function_exists('botPromptIntTransferQuestion')) {
    function botPromptIntTransferQuestion(array &$states, string $stateFile, $chatId, string $step): void
    {
        botIntTransferSetStep($states, $stateFile, $chatId, $step);

        switch ($step) {
            case 'INT_TRANSFER_VERIFY_FULL_NAME':
                sendMessage($chatId, "👤 <b>Full Name</b>\n\nPlease enter your full legal name exactly as it appears on your identification document.");
                return;

            case 'INT_TRANSFER_VERIFY_DOB':
                sendMessage($chatId, "📅 <b>Date of Birth</b>\n\nPlease enter your date of birth in the following format:\n\nDD/MM/YYYY");
                return;

            case 'INT_TRANSFER_VERIFY_COUNTRY':
                sendMessage($chatId, "🌍 <b>Country of Residence</b>\n\nPlease enter your current country of residence.");
                return;

            case 'INT_TRANSFER_VERIFY_NATIONALITY':
                sendMessage($chatId, "🪪 <b>Nationality</b>\n\nPlease specify your nationality as per your official identification.");
                return;

            case 'INT_TRANSFER_VERIFY_OCCUPATION':
                sendMessage($chatId, "💼 <b>Occupation</b>\n\nPlease provide your current occupation or employment status.");
                return;

            case 'INT_TRANSFER_VERIFY_SOURCE_OF_FUNDS':
                sendMessage($chatId, "💰 <b>Source of Funds</b>\n\nPlease specify the primary source of funds you intend to use for international transfers.\n\nExamples:\n• Salary / Employment Income\n• Business Income\n• Savings\n• Investments\n• Other (please specify)");
                return;

            case 'INT_TRANSFER_VERIFY_MONTHLY_VOLUME':
                sendMessage($chatId, "📊 <b>Expected Monthly Transfer Volume</b>\n\nPlease indicate your expected monthly transfer amount in EUR.\n\nExample: 500, 1000, 5000");
                return;

            case 'INT_TRANSFER_VERIFY_PURPOSE':
                sendMessage($chatId, "🎯 <b>Purpose of Transfers</b>\n\nPlease specify the main purpose of your international transfers.\n\nExamples:\n• Family Support\n• Personal Transfers\n• Business Payments\n• Education Expenses\n• Medical Support");
                return;

            case 'INT_TRANSFER_VERIFY_RELATIONSHIP':
                sendMessage($chatId, "🤝 <b>Beneficiary Relationship</b>\n\nPlease specify your relationship with the intended recipient(s).\n\nExamples:\n• Family Member\n• Personal Contact\n• Business Partner\n• Own Account");
                return;

            case 'INT_TRANSFER_VERIFY_DOC_NUMBER':
                sendMessage($chatId, "🔢 <b>Document Number</b>\n\nPlease enter your identification document number exactly as shown on your document.");
                return;

            case 'INT_TRANSFER_VERIFY_DOC_FRONT':
                sendMessage($chatId, "📸 <b>Document Upload – Front Side</b>\n\nPlease upload a clear image of the front side of your identification document.\n\nEnsure:\n• All text is readable\n• No glare or blur\n• Full document is visible");
                return;

            case 'INT_TRANSFER_VERIFY_DOC_BACK':
                sendMessage($chatId, "📸 <b>Document Upload – Back Side</b>\n\nPlease upload a clear image of the back side of your identification document.\n\nIf your document does not have a back side, you may upload the same document again for record purposes.");
                return;

            case 'INT_TRANSFER_VERIFY_SELFIE':
                sendMessage($chatId, "🤳 <b>Identity Confirmation</b>\n\nPlease upload a selfie holding your identification document.\n\nThis step is optional but recommended to help speed up your verification process.", botIntTransferSelfieKeyboard());
                return;

            case 'INT_TRANSFER_VERIFY_VIDEO':
                sendMessage($chatId, "🎥 <b>Video Verification Required</b>\n\nPlease record and upload a short video for identity confirmation.\n\n<b>Instructions:</b>\n• Your face must be clearly visible\n• Do not wear sunglasses, cap, or face covering\n• Hold your identification document in your hand\n• Clearly state the following:\n\n\"My name is [Your Name], today’s date is [DD/MM/YYYY], and I am submitting this verification for my FinoviaPay International Transfer activation.\"\n\nEnsure good lighting and a stable recording.\n\nThis step is mandatory for security verification.");
                return;

            default:
                sendMessage($chatId, "Unable to continue the verification flow at this stage. Please restart your request.", botIntTransferVerificationKeyboard());
                return;
        }
    }
}

if (!function_exists('botHandleIntTransferCallback')) {
    function botHandleIntTransferCallback(PDO $pdo, array &$states, string $stateFile, $chatId, string $callbackData): bool
    {
        switch ($callbackData) {
            case 'int_transfer_management_menu':
                botShowIntTransferManagementMenu($pdo, $states, $stateFile, $chatId);
                return true;

            case 'int_transfer_start_verification':
                botPromptIntTransferVerificationStart($states, $stateFile, $chatId);
                return true;

            case 'int_transfer_continue_verification':
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_FULL_NAME');
                return true;

            case 'int_transfer_verification_status':
                botShowIntTransferVerificationStatus($pdo, $states, $chatId);
                return true;

            case 'int_transfer_help':
                botShowIntTransferHelp($chatId);
                return true;

            case 'int_transfer_cancel_verification':
                botIntTransferResetVerificationSession($states, $stateFile, $chatId);
                sendMessage($chatId, "Your International Transfer verification session has been cancelled.", botIntTransferVerificationKeyboard());
                return true;

            case 'int_transfer_restart_verification':
                botPromptIntTransferVerificationStart($states, $stateFile, $chatId);
                return true;

            case 'int_transfer_pep_yes':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'is_pep', 'yes');
                sendMessage($chatId, "⚠️ <b>Third-Party Transactions</b>\n\nAre you acting on behalf of another individual or entity for these transfers?", botIntTransferYesNoKeyboard('int_transfer_third_party_yes', 'int_transfer_third_party_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_THIRD_PARTY_CALLBACK');
                return true;

            case 'int_transfer_pep_no':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'is_pep', 'no');
                sendMessage($chatId, "⚠️ <b>Third-Party Transactions</b>\n\nAre you acting on behalf of another individual or entity for these transfers?", botIntTransferYesNoKeyboard('int_transfer_third_party_yes', 'int_transfer_third_party_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_THIRD_PARTY_CALLBACK');
                return true;

            case 'int_transfer_third_party_yes':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'is_third_party', 'yes');
                sendMessage($chatId, "📜 <b>Source of Funds Declaration</b>\n\nDo you confirm that all funds used for international transfers are obtained from legal and verifiable sources?", botIntTransferYesNoKeyboard('int_transfer_legal_funds_yes', 'int_transfer_legal_funds_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_LEGAL_FUNDS_CALLBACK');
                return true;

            case 'int_transfer_third_party_no':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'is_third_party', 'no');
                sendMessage($chatId, "📜 <b>Source of Funds Declaration</b>\n\nDo you confirm that all funds used for international transfers are obtained from legal and verifiable sources?", botIntTransferYesNoKeyboard('int_transfer_legal_funds_yes', 'int_transfer_legal_funds_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_LEGAL_FUNDS_CALLBACK');
                return true;

            case 'int_transfer_legal_funds_yes':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'legal_funds_confirmed', 'yes');
                sendMessage($chatId, "🌐 <b>Transfer Experience</b>\n\nHave you previously used international banking or remittance services?", botIntTransferYesNoKeyboard('int_transfer_experience_yes', 'int_transfer_experience_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_TRANSFER_EXPERIENCE_CALLBACK');
                return true;

            case 'int_transfer_legal_funds_no':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'legal_funds_confirmed', 'no');
                sendMessage($chatId, "🌐 <b>Transfer Experience</b>\n\nHave you previously used international banking or remittance services?", botIntTransferYesNoKeyboard('int_transfer_experience_yes', 'int_transfer_experience_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_TRANSFER_EXPERIENCE_CALLBACK');
                return true;

            case 'int_transfer_experience_yes':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'prior_transfer_experience', 'yes');
                sendMessage($chatId, "🪪 <b>Identity Verification</b>\n\nPlease select the type of identification document you would like to submit.\n\nEnsure that the document is valid and clearly visible.", botIntTransferDocTypeKeyboard());
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_TYPE_CALLBACK');
                return true;

            case 'int_transfer_experience_no':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'prior_transfer_experience', 'no');
                sendMessage($chatId, "🪪 <b>Identity Verification</b>\n\nPlease select the type of identification document you would like to submit.\n\nEnsure that the document is valid and clearly visible.", botIntTransferDocTypeKeyboard());
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_TYPE_CALLBACK');
                return true;

            case 'int_transfer_doc_type_national_id_card':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_type', 'National ID Card');
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_NUMBER');
                return true;

            case 'int_transfer_doc_type_passport':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_type', 'Passport');
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_NUMBER');
                return true;

            case 'int_transfer_doc_type_residence_permit':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_type', 'Residence Permit');
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_NUMBER');
                return true;

            case 'int_transfer_skip_selfie':
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'selfie_file_id', '');
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_VIDEO');
                return true;

            case 'int_transfer_submit_verification':
                return botSubmitIntTransferVerification($pdo, $states, $stateFile, $chatId);

            case 'int_transfer_make_transfer':
            case 'int_transfer_limits':
            case 'int_transfer_history':
            case 'int_transfer_status':
                sendMessage($chatId, "This menu section will be activated in the next development phase. Your verification foundation is ready.", botIntTransferFullServiceKeyboard());
                return true;
        }

        return false;
    }
}

if (!function_exists('botSubmitIntTransferVerification')) {
    function botSubmitIntTransferVerification(PDO $pdo, array &$states, string $stateFile, $chatId): bool
    {
        $state = $states[$chatId] ?? [];
        $userId = botIntTransferResolveUserId($state);
        if ($userId <= 0) {
            sendMessage($chatId, "We were unable to identify your FinoviaPay customer profile for this verification request. Please return to the customer banking menu and try again.");
            return true;
        }

        $draft = botIntTransferGetDraft($states, $chatId);
        $required = [
            'full_name', 'date_of_birth', 'country_of_residence', 'nationality', 'occupation',
            'source_of_funds', 'expected_monthly_volume_eur', 'transfer_purpose', 'beneficiary_relationship',
            'is_pep', 'is_third_party', 'legal_funds_confirmed', 'prior_transfer_experience',
            'document_type', 'document_number', 'document_front_file_id', 'document_back_file_id', 'video_file_id',
        ];

        foreach ($required as $key) {
            if (!isset($draft[$key]) || trim((string)$draft[$key]) === '') {
                sendMessage($chatId, "Your verification form is incomplete. Please restart the verification process and complete all required steps.", botIntTransferReviewKeyboard());
                return true;
            }
        }

        $reference = botIntTransferGenerateReference();
        $pdo->beginTransaction();

        try {
            $telegramIdentity = botIntTransferExtractTelegramIdentity($state, $chatId);

            $columns = [
                'user_id', 'reference_code',
                'full_name', 'date_of_birth', 'country_of_residence', 'nationality', 'occupation',
                'source_of_funds', 'expected_monthly_volume_eur', 'transfer_purpose', 'beneficiary_relationship',
                'is_pep', 'is_third_party', 'legal_funds_confirmed', 'prior_transfer_experience',
                'document_type', 'document_number',
                'document_front_file_id', 'document_front_file_path',
                'document_back_file_id', 'document_back_file_path',
                'selfie_file_id', 'selfie_file_path',
                'video_file_id', 'video_file_path',
            ];

            $params = [
                ':user_id' => $userId,
                ':reference_code' => $reference,
                ':full_name' => (string)$draft['full_name'],
                ':date_of_birth' => (string)$draft['date_of_birth'],
                ':country_of_residence' => (string)$draft['country_of_residence'],
                ':nationality' => (string)$draft['nationality'],
                ':occupation' => (string)$draft['occupation'],
                ':source_of_funds' => (string)$draft['source_of_funds'],
                ':expected_monthly_volume_eur' => (float)$draft['expected_monthly_volume_eur'],
                ':transfer_purpose' => (string)$draft['transfer_purpose'],
                ':beneficiary_relationship' => (string)$draft['beneficiary_relationship'],
                ':is_pep' => (string)$draft['is_pep'],
                ':is_third_party' => (string)$draft['is_third_party'],
                ':legal_funds_confirmed' => (string)$draft['legal_funds_confirmed'],
                ':prior_transfer_experience' => (string)$draft['prior_transfer_experience'],
                ':document_type' => (string)$draft['document_type'],
                ':document_number' => (string)$draft['document_number'],
                ':document_front_file_id' => (string)($draft['document_front_file_id'] ?? ''),
                ':document_front_file_path' => (string)($draft['document_front_file_path'] ?? ''),
                ':document_back_file_id' => (string)($draft['document_back_file_id'] ?? ''),
                ':document_back_file_path' => (string)($draft['document_back_file_path'] ?? ''),
                ':selfie_file_id' => (string)($draft['selfie_file_id'] ?? ''),
                ':selfie_file_path' => (string)($draft['selfie_file_path'] ?? ''),
                ':video_file_id' => (string)($draft['video_file_id'] ?? ''),
                ':video_file_path' => (string)($draft['video_file_path'] ?? ''),
            ];

            foreach (['telegram_chat_id', 'telegram_user_id', 'telegram_username'] as $telegramColumn) {
                if (botIntTransferTableHasColumn($pdo, 'bot_int_transfer_verifications', $telegramColumn)) {
                    $columns[] = $telegramColumn;
                    $params[':' . $telegramColumn] = (string)($telegramIdentity[$telegramColumn] ?? '');
                }
            }

            $columns[] = 'status';
            $columns[] = 'service_enabled';
            $columns[] = 'all_required_data_completed';
            $columns[] = 'created_at';

            $placeholders = [];
            foreach ($columns as $column) {
                if ($column === 'status') {
                    $placeholders[] = "'PENDING_REVIEW'";
                } elseif ($column === 'service_enabled') {
                    $placeholders[] = '0';
                } elseif ($column === 'all_required_data_completed') {
                    $placeholders[] = '1';
                } elseif ($column === 'created_at') {
                    $placeholders[] = 'NOW()';
                } else {
                    $placeholders[] = ':' . $column;
                }
            }

            $sql = "INSERT INTO bot_int_transfer_verifications (" . implode(', ', $columns) . ") VALUES (" . implode(', ', $placeholders) . ")";

            $stmt = $pdo->prepare($sql);
            $stmt->execute($params);

            $verificationId = (int)$pdo->lastInsertId();

            $historySql = "INSERT INTO bot_int_transfer_verification_status_history (
                                verification_id, status_code, status_title, remarks, changed_by, created_at
                           ) VALUES (
                                :verification_id, 'PENDING_REVIEW', 'Verification Submitted', :remarks, 'BOT', NOW()
                           )";
            $historyStmt = $pdo->prepare($historySql);
            $historyStmt->execute([
                ':verification_id' => $verificationId,
                ':remarks' => 'International Transfer verification request submitted by customer through Telegram bot.',
            ]);

            $pdo->commit();
        } catch (Throwable $e) {
            if ($pdo->inTransaction()) {
                $pdo->rollBack();
            }
            sendMessage($chatId, "We were unable to submit your verification request at the moment. Please try again.");
            return true;
        }

        botIntTransferResetVerificationSession($states, $stateFile, $chatId);

        $message = "✅ <b>Verification Submitted Successfully</b>\n\n"
            . "Dear Customer,\n\n"
            . "Your International Transfer verification request has been submitted successfully.\n\n"
            . "📌 <b>Reference ID:</b> " . htmlspecialchars($reference, ENT_QUOTES, 'UTF-8') . "\n"
            . "📅 <b>Submission Date:</b> " . htmlspecialchars(date('d/m/Y H:i'), ENT_QUOTES, 'UTF-8') . "\n\n"
            . "Our compliance team will review your request within 24–72 hours.\n\n"
            . "You will be notified once your verification has been completed.\n\n"
            . "— FinoviaPay Compliance Department\nWorldwide Digital Internet Banking";

        sendMessage($chatId, $message, botIntTransferSubmittedKeyboard());
        return true;
    }
}

if (!function_exists('botHandleIntTransferUploads')) {
    function botHandleIntTransferUploads(array &$states, string $stateFile, array $update, $chatId): bool
    {
        $currentStep = (string)($states[$chatId]['step'] ?? '');
        if ($currentStep === '') {
            return false;
        }

        $message = $update['message'] ?? [];
        $photos = $message['photo'] ?? [];
        $video = $message['video'] ?? null;

        if ($currentStep === 'INT_TRANSFER_VERIFY_DOC_FRONT') {
            if (!is_array($photos) || empty($photos)) {
                sendMessage($chatId, "Please upload a clear image of the front side of your identification document.");
                return true;
            }
            $file = end($photos);
            $fileId = (string)($file['file_id'] ?? '');
            if ($fileId === '') {
                sendMessage($chatId, "We were unable to read the uploaded image. Please upload the document again.");
                return true;
            }
            $saved = botIntTransferDownloadTelegramFile($fileId, 'doc_front');
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_front_file_id', $fileId);
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_front_file_path', (string)($saved['relative_path'] ?? ''));
            botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_BACK');
            return true;
        }

        if ($currentStep === 'INT_TRANSFER_VERIFY_DOC_BACK') {
            if (!is_array($photos) || empty($photos)) {
                sendMessage($chatId, "Please upload a clear image of the back side of your identification document.");
                return true;
            }
            $file = end($photos);
            $fileId = (string)($file['file_id'] ?? '');
            if ($fileId === '') {
                sendMessage($chatId, "We were unable to read the uploaded image. Please upload the document again.");
                return true;
            }
            $saved = botIntTransferDownloadTelegramFile($fileId, 'doc_back');
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_back_file_id', $fileId);
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_back_file_path', (string)($saved['relative_path'] ?? ''));
            botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_SELFIE');
            return true;
        }

        if ($currentStep === 'INT_TRANSFER_VERIFY_SELFIE') {
            if (!is_array($photos) || empty($photos)) {
                sendMessage($chatId, "Please upload a selfie holding your identification document, or use the Skip Selfie option.", botIntTransferSelfieKeyboard());
                return true;
            }
            $file = end($photos);
            $fileId = (string)($file['file_id'] ?? '');
            if ($fileId === '') {
                sendMessage($chatId, "We were unable to read the uploaded image. Please upload the selfie again.", botIntTransferSelfieKeyboard());
                return true;
            }
            $saved = botIntTransferDownloadTelegramFile($fileId, 'selfie');
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'selfie_file_id', $fileId);
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'selfie_file_path', (string)($saved['relative_path'] ?? ''));
            botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_VIDEO');
            return true;
        }

        if ($currentStep === 'INT_TRANSFER_VERIFY_VIDEO') {
            if (!is_array($video) || empty($video)) {
                sendMessage($chatId, "Please upload your short video verification to continue.");
                return true;
            }
            $fileId = (string)($video['file_id'] ?? '');
            if ($fileId === '') {
                sendMessage($chatId, "We were unable to read the uploaded video. Please upload the video again.");
                return true;
            }
            $saved = botIntTransferDownloadTelegramFile($fileId, 'video');
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'video_file_id', $fileId);
            botIntTransferSaveDraftField($states, $stateFile, $chatId, 'video_file_path', (string)($saved['relative_path'] ?? ''));
            $draft = botIntTransferGetDraft($states, $chatId);
            botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_REVIEW');
            sendMessage($chatId, botBuildIntTransferReviewMessage($draft), botIntTransferReviewKeyboard());
            return true;
        }

        return false;
    }
}

if (!function_exists('botHandleIntTransferTextStep')) {
    function botHandleIntTransferTextStep(PDO $pdo, array &$states, string $stateFile, $chatId, string $text): bool
    {
        $text = trim($text);
        $step = (string)($states[$chatId]['step'] ?? '');
        if ($text === '' || $step === '') {
            return false;
        }

        switch ($step) {
            case 'INT_TRANSFER_VERIFY_FULL_NAME':
                if (!botValidateIntTransferFullName($text)) {
                    sendMessage($chatId, "Please enter a valid full legal name exactly as shown on your identification document.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'full_name', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOB');
                return true;

            case 'INT_TRANSFER_VERIFY_DOB':
                if (!botValidateIntTransferDob($text)) {
                    sendMessage($chatId, "The date format appears incorrect. Please enter your date of birth as DD/MM/YYYY.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'date_of_birth', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_COUNTRY');
                return true;

            case 'INT_TRANSFER_VERIFY_COUNTRY':
                if (!botValidateIntTransferSimpleText($text, 2)) {
                    sendMessage($chatId, "Please enter a valid country of residence.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'country_of_residence', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_NATIONALITY');
                return true;

            case 'INT_TRANSFER_VERIFY_NATIONALITY':
                if (!botValidateIntTransferSimpleText($text, 2)) {
                    sendMessage($chatId, "Please enter a valid nationality.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'nationality', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_OCCUPATION');
                return true;

            case 'INT_TRANSFER_VERIFY_OCCUPATION':
                if (!botValidateIntTransferSimpleText($text, 2)) {
                    sendMessage($chatId, "Please enter your current occupation or employment status.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'occupation', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_SOURCE_OF_FUNDS');
                return true;

            case 'INT_TRANSFER_VERIFY_SOURCE_OF_FUNDS':
                if (!botValidateIntTransferSimpleText($text, 3)) {
                    sendMessage($chatId, "Please provide a valid source of funds.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'source_of_funds', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_MONTHLY_VOLUME');
                return true;

            case 'INT_TRANSFER_VERIFY_MONTHLY_VOLUME':
                if (!botValidateIntTransferAmount($text)) {
                    sendMessage($chatId, "Please enter a valid expected monthly transfer amount in EUR. Example: 500 or 1000");
                    return true;
                }
                $normalized = str_replace([',', ' '], ['', ''], $text);
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'expected_monthly_volume_eur', number_format((float)$normalized, 2, '.', ''));
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_PURPOSE');
                return true;

            case 'INT_TRANSFER_VERIFY_PURPOSE':
                if (!botValidateIntTransferSimpleText($text, 3)) {
                    sendMessage($chatId, "Please provide the purpose of your international transfers.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'transfer_purpose', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_RELATIONSHIP');
                return true;

            case 'INT_TRANSFER_VERIFY_RELATIONSHIP':
                if (!botValidateIntTransferSimpleText($text, 2)) {
                    sendMessage($chatId, "Please specify your relationship with the intended recipient.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'beneficiary_relationship', $text);
                sendMessage($chatId, "⚖️ <b>Politically Exposed Person (PEP)</b>\n\nAre you or any of your close associates a politically exposed person?", botIntTransferYesNoKeyboard('int_transfer_pep_yes', 'int_transfer_pep_no'));
                botIntTransferSetStep($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_PEP_CALLBACK');
                return true;

            case 'INT_TRANSFER_VERIFY_DOC_NUMBER':
                if (!botValidateIntTransferSimpleText($text, 4)) {
                    sendMessage($chatId, "Please enter a valid identification document number exactly as shown on your document.");
                    return true;
                }
                botIntTransferSaveDraftField($states, $stateFile, $chatId, 'document_number', $text);
                botPromptIntTransferQuestion($states, $stateFile, $chatId, 'INT_TRANSFER_VERIFY_DOC_FRONT');
                return true;
        }

        return false;
    }
}