<?php

/**
 * =========================================
 * DEMOBANK TOKEN REASONS
 * =========================================
 * Used by admin when generating tokens
 * and for audit/security tracking.
 */

function getTokenReasons() {

    return [

        "LOW_RISK" => [
            "label" => "Low Risk Transaction",
            "description" => "Standard verification required for routine transfer."
        ],

        "MEDIUM_RISK" => [
            "label" => "Medium Risk Transaction",
            "description" => "Additional verification required due to amount or destination."
        ],

        "HIGH_RISK" => [
            "label" => "High Risk Transaction",
            "description" => "Enhanced security checks required before approval."
        ],

        "INTERNATIONAL_TRANSFER" => [
            "label" => "International Transfer Verification",
            "description" => "Cross-border transaction requiring compliance validation."
        ],

        "NEW_BENEFICIARY" => [
            "label" => "New Beneficiary Check",
            "description" => "First-time recipient requires identity verification."
        ],

        "SUSPICIOUS_ACTIVITY" => [
            "label" => "Suspicious Activity Detected",
            "description" => "Security system flagged unusual transaction pattern."
        ],

        "MANUAL_REVIEW" => [
            "label" => "Manual Admin Review",
            "description" => "Transaction requires manual approval from admin."
        ],

        "LARGE_AMOUNT" => [
            "label" => "Large Amount Transaction",
            "description" => "High-value transfer requiring multi-step authorization."
        ]
    ];
}

/**
 * Get a single reason by key
 */
function getTokenReason($key) {

    $reasons = getTokenReasons();

    return $reasons[$key] ?? [
        "label" => "Unknown Reason",
        "description" => "No description available."
    ];
}