feat(student): Add SP Investment Vault (attendance-based risk/reward investment system for Spurti Points)

README.md

@@ -149,3 +149,4 @@ This direction can be evaluated through:
 
 This is a general educational motivation engine. It is not only for internships, and it is not only a points table. It is a self-regulated learning support system and research direction that helps students see their progress, stay encouraged, recover from setbacks, and complete any meaningful learning journey.
 Displaying PRODUCT.md.
+

server/config.js

@@ -63,3 +63,15 @@ export const SESSION_THRESHOLDS_MINUTES = {
 };
 
 export const SESSION_THRESHOLDS_PCT = 0.75; // default % of session duration to qualify
+
+// --- SP Investment Vault --------------------------------------------------
+// Configurable plans. Adding a new plan = add a key here, no code changes.
+// attendanceRequirement is a fraction (1.0 = 100% of sessions in the window
+// must be attended). durationDays and bonusRate are captured at start time so
+// changing a plan mid-flight doesn't affect in-progress investments.
+export const INVESTMENT_PLANS = {
+  safe:   { label: 'Safe',    durationDays: 7,  bonusRate: 0.05, attendanceRequirement: 1.0 },
+  growth: { label: 'Growth',  durationDays: 15, bonusRate: 0.15, attendanceRequirement: 1.0 },
+  diamond:{ label: 'Diamond', durationDays: 30, bonusRate: 0.30, attendanceRequirement: 1.0 }
+};
+export const INVESTMENT_MIN_PRINCIPAL = 10;

server/models/InvestmentRecord.js

@@ -0,0 +1,28 @@
+import mongoose from 'mongoose';
+
+const investmentRecordSchema = new mongoose.Schema({
+  email: { type: String, required: true, lowercase: true, trim: true, index: true },
+  studentId: { type: mongoose.Schema.Types.ObjectId, ref: 'Student', index: true },
+  planKey: { type: String, required: true },
+  principal: { type: Number, required: true },
+  bonusRate: { type: Number, required: true },
+  durationDays: { type: Number, required: true },
+  attendanceRequirement: { type: Number, required: true },
+  startDate: { type: Date, required: true, index: true },
+  endDate: { type: Date, required: true, index: true },
+  status: {
+    type: String,
+    enum: ['active', 'completed', 'failed', 'cancelled'],
+    default: 'active',
+    index: true
+  },
+  resolvedAt: { type: Date, default: null },
+  attendedSessions: { type: Number, default: null },
+  requiredSessions: { type: Number, default: null },
+  transactionIds: [{ type: mongoose.Schema.Types.ObjectId, ref: 'SPTransaction' }]
+}, { timestamps: true });
+
+investmentRecordSchema.index({ email: 1, status: 1 });
+investmentRecordSchema.index({ endDate: 1, status: 1 });
+
+export default mongoose.model('InvestmentRecord', investmentRecordSchema);