fix(contracts): restore investor tier wrapper and remove duplicate co…

quicklendx-contracts/src/verification.rs

@@ -1279,6 +1279,30 @@ pub fn calculate_investor_risk_score(
     Ok(risk_score)
 }
 
+/// Compute investor tier from the investor record and a risk score.
+///
+/// This wrapper is used by public contract entrypoints and internal business
+/// logic, while the core deterministic tier rules are implemented in the
+/// `compute_investor_tier_from_stats` helper.
+pub fn compute_investor_tier(
+    env: &Env,
+    investor: &Address,
+    risk_score: u32,
+) -> Result<InvestorTier, QuickLendXError> {
+    validate_risk_score(risk_score)?;
+
+    if let Some(verification) = InvestorVerificationStorage::get(env, investor) {
+        return compute_investor_tier_from_stats(
+            verification.total_invested,
+            verification.successful_investments,
+            verification.defaulted_investments,
+            risk_score,
+        );
+    }
+
+    Ok(InvestorTier::Basic)
+}
+
 /// Determine investor tier based on risk score and investment history.
 /// Calculate the investor tier using deterministic performance thresholds.
 ///
@@ -1299,21 +1323,10 @@ pub fn determine_investor_tier(
     investor: &Address,
     risk_score: u32,
 ) -> Result<InvestorTier, QuickLendXError> {
-    validate_risk_score(risk_score)?;
-
-    if let Some(verification) = InvestorVerificationStorage::get(env, investor) {
-        return compute_investor_tier_from_stats(
-            verification.total_invested,
-            verification.successful_investments,
-            verification.defaulted_investments,
-            risk_score,
-        );
-    }
-
-    Ok(InvestorTier::Basic)
+    compute_investor_tier(env, investor, risk_score)
 }
 
-pub fn compute_investor_tier(
+pub fn compute_investor_tier_from_stats(
     total_invested: i128,
     successful_investments: u32,
     defaulted_investments: u32,
@@ -1377,55 +1390,6 @@ pub fn determine_risk_level(risk_score: u32) -> InvestorRiskLevel {
     }
 }
 
-/// Core tier computation using raw counters (total invested, successes, defaults).
-pub fn compute_investor_tier(
-    total_invested: i128,
-    successful_investments: u32,
-    defaulted_investments: u32,
-    risk_score: u32,
-) -> Result<InvestorTier, QuickLendXError> {
-    let total = successful_investments.saturating_add(defaulted_investments);
-    let default_rate = if total > 0 {
-        (defaulted_investments.saturating_mul(100)) / total
-    } else {
-        0u32
-    };
-
-    if risk_score <= 10
-        && total_invested >= 5_000_000
-        && successful_investments >= 50
-        && default_rate <= 5
-    {
-        return Ok(InvestorTier::VIP);
-    }
-
-    if risk_score <= 20
-        && total_invested >= 1_000_000
-        && successful_investments >= 20
-        && default_rate <= 10
-    {
-        return Ok(InvestorTier::Platinum);
-    }
-
-    if risk_score <= 40
-        && total_invested >= 100_000
-        && successful_investments >= 10
-        && default_rate <= 15
-    {
-        return Ok(InvestorTier::Gold);
-    }
-
-    if risk_score <= 60
-        && total_invested >= 10_000
-        && successful_investments >= 3
-        && default_rate <= 25
-    {
-        return Ok(InvestorTier::Silver);
-    }
-
-    Ok(InvestorTier::Basic)
-}
-
 /// Calculate investment limit based on tier and risk level
 pub fn calculate_investment_limit(
     tier: &InvestorTier,
@@ -1670,7 +1634,7 @@ pub fn recompute_investor_tier(
     let risk_score = calculate_investor_risk_score(env, investor, &verification.kyc_data)?;
     validate_risk_score(risk_score)?;
 
-    let tier = compute_investor_tier(
+    let tier = compute_investor_tier_from_stats(
         verification.total_invested,
         verification.successful_investments,
         verification.defaulted_investments,