;; title: pension-funds
;; version:
;; summary:
;; description:
;; Pension Fund Smart Contract
;; Define constants
(define-constant contract-admin tx-sender)
(define-constant ERR-access-denied (err u100))
(define-constant ERR-invalid-deposit-amount (err u101))
(define-constant ERR-fund-balance-too-low (err u102))
(define-constant ERR-withdrawal-criteria-not-met (err u103))
(define-constant ERR-investment-option-not-found (err u104))
(define-constant ERR-employer-not-registered (err u105))
(define-constant ERR-invalid-config-value (err u106))
(define-constant ERR-employer-already-exists (err u107))
(define-constant fund-maturity-period-years u5) ;; 5 years vesting period
(define-constant early-withdrawal-fee-percent u10) ;; 10% penalty
(define-constant maximum-allowable-retirement-age u100)
(define-constant minimum-valid-birth-year u1900)
(define-constant maximum-valid-birth-year u2100)
;; Define variables
(define-data-var retirement-age-threshold uint u65)
(define-data-var next-investment-option-id uint u1)
;; Define data maps
(define-map member-account-balances
{
account-owner: principal,
fund-option-id: uint,
}
{
gross-balance: uint,
available-balance: uint,
}
)
(define-map member-profile-data
principal
{
account-creation-block: uint,
member-birth-year: uint,
member-company: (optional principal),
}
)
(define-map authorized-employers
principal
bool
)
(define-map available-fund-options
uint
{
fund-display-name: (string-ascii 20),
fund-risk-level: uint,
}
)
;; Private functions
(define-private (compute-available-withdrawal-amount
(account-owner principal)
(fund-option-id uint)
)
(match (map-get? member-profile-data account-owner)
member-profile
(let (
(account-balance (default-to {
gross-balance: u0,
available-balance: u0,
}
(map-get? member-account-balances {
account-owner: account-owner,
fund-option-id: fund-option-id,
})
))
(account-age-in-years (/ (- stacks-block-height (get account-creation-block member-profile))
u52560
))
)
(if (>= account-age-in-years fund-maturity-period-years)
(get gross-balance account-balance)
(get available-balance account-balance)
)
)
u0 ;; Return 0 if the participant profile doesn't exist
)
)
(define-private (validate-birth-year-input (birth-year uint))
(and (>= birth-year minimum-valid-birth-year) (<= birth-year maximum-valid-birth-year))
)
(define-private (verify-fund-option-exists (fund-option-id uint))
(is-some (map-get? available-fund-options fund-option-id))
)
;; Public functions
;; Function to create a new pension account
(define-public (create-pension-account (birth-year uint))
(let ((account-owner tx-sender))
(asserts! (is-none (map-get? member-profile-data account-owner))
ERR-access-denied
)
(asserts! (validate-birth-year-input birth-year) ERR-invalid-config-value)
(ok (map-set member-profile-data account-owner {
account-creation-block: stacks-block-height,
member-birth-year: birth-year,
member-company: none,
}))
)
)
;; Function to withdraw funds
;; Read-only functions
;; Get member's account balance
(define-read-only (get-account-balance
(account-owner principal)
(fund-option-id uint)
)
(default-to {
gross-balance: u0,
available-balance: u0,
}
(map-get? member-account-balances {
account-owner: account-owner,
fund-option-id: fund-option-id,
})
)
)
;; Get member's profile information
(define-read-only (get-member-profile (account-owner principal))
(map-get? member-profile-data account-owner)
)
;; Check if member is eligible for retirement
(define-read-only (check-retirement-eligibility (account-owner principal))
(match (get-member-profile account-owner)
member-profile (>= (- stacks-block-height (get account-creation-block member-profile))
(* (var-get retirement-age-threshold) u52560)
)
false
)
)
;; Get fund option details
(define-read-only (get-fund-details (fund-option-id uint))
(map-get? available-fund-options fund-option-id)
)
;; Check if address is authorized employer
(define-read-only (is-employer-authorized (employer-address principal))
(default-to false (map-get? authorized-employers employer-address))
)
;; Contract owner functions
;; Update retirement age threshold
(define-public (update-retirement-age (new-retirement-age uint))
(begin
(asserts! (is-eq tx-sender contract-admin) ERR-access-denied)
(asserts! (<= new-retirement-age maximum-allowable-retirement-age)
ERR-invalid-config-value
)
(ok (var-set retirement-age-threshold new-retirement-age))
)
)
;; Add new investment option
(define-public (add-new-fund-option
(fund-name (string-ascii 20))
(risk-level uint)
)
(let ((fund-option-id (var-get next-investment-option-id)))
(asserts! (is-eq tx-sender contract-admin) ERR-access-denied)
(asserts! (<= risk-level u10) ERR-invalid-config-value)
(asserts! (> (len fund-name) u0) ERR-invalid-config-value)
(ok (begin
(map-set available-fund-options fund-option-id {
fund-display-name: fund-name,
fund-risk-level: risk-level,
})
(var-set next-investment-option-id (+ fund-option-id u1))
fund-option-id
))
)
)
;; Register a new employer
(define-public (add-authorized-employer (employer-address principal))
(begin
(asserts! (is-eq tx-sender contract-admin) ERR-access-denied)
(asserts! (is-none (map-get? authorized-employers employer-address))
ERR-employer-already-exists
)
(ok (map-set authorized-employers employer-address true))
)
)
;; Update employee's employer information
(define-public (link-employee-to-employer
(employee-account principal)
(employer-address principal)
)
(begin
(asserts! (is-employer-authorized tx-sender) ERR-employer-not-registered)
(asserts! (is-employer-authorized employer-address)
ERR-employer-not-registered
)
(asserts! (is-some (map-get? member-profile-data employee-account))
ERR-access-denied
)
(ok (map-set member-profile-data employee-account
(merge (unwrap-panic (map-get? member-profile-data employee-account)) { member-company: (some employer-address) })
))
)
)