Secure Email Validation for FinTech:
The Foundation of Trust

// SOC 2 compliant email validation for financial services
async function validateCustomerEmail(email, customerData) {
  const params = new URLSearchParams({
    email: email,
    verifyMx: 'true',
    verifySmtp: 'true',
    detectName: 'true',
    suggestDomain: 'true',
    checkDomainAge: 'true',
    checkDomainRegistration: 'true'
  });

  const response = await fetch(`https://api.email-check.app/v1-get-email-details?${params}`, {
    method: 'GET',
    headers: {
      'accept': 'application/json',
      'x-api-key': 'YOUR_FINTECH_API_KEY',
      'X-SOC2-Compliant': 'true',
      'X-Financial-Context': 'customer-onboarding'
    }
  });

  const result = await response.json();

  // Transform result for financial services use
  const validationResult = {
    valid: result.validFormat && result.validMx && result.validSmtp,
    isDisposable: result.isDisposable,
    riskScore: result.isDisposable ? 0.9 : 0.1, // Risk based on disposable status
    details: result
  };

  // Create audit trail for compliance
  await createComplianceLog({
    customerId: customerData.id,
    email: email,
    validationResult: validationResult,
    timestamp: new Date().toISOString(),
    ipAddress: customerData.ipAddress,
    deviceFingerprint: customerData.deviceId
  });

  return validationResult;
}

// Email validation for MFA setup
async function setupMFA(userId, email) {
  // First validate email for MFA compatibility
  const validation = await validateCustomerEmail(email, {
    id: userId,
    context: 'mfa_setup'
  });

  if (!validation.valid || validation.riskScore > 0.7) {
    throw new Error('Email not suitable for MFA');
  }

  // Generate and send MFA code
  const mfaCode = generateSecureCode();
  await sendMFACode(email, mfaCode);

  // Store encrypted MFA session
  await storeMFASession({
    userId,
    email: encrypt(email),
    codeHash: hash(mfaCode),
    expires: Date.now() + 300000 // 5 minutes
  });
}