const API_BASE_URL = ''

const wait = (duration: number) => new Promise<void>((resolve) => { setTimeout(() => resolve(), duration) })

// API_BASE_URL 为空时使用本地演示数据；接入后端后仅需替换各方法内部实现。
export async function requestSmsCode(phone: string): Promise<boolean> {
	if (API_BASE_URL.length == 0) { await wait(350); return phone.length >= 11 }
	return true
}

export async function submitAssessment(payload: UTSJSONObject): Promise<string> {
	if (API_BASE_URL.length == 0) {
		await wait(650)
		uni.setStorageSync('latestAssessment', payload)
		return 'ASSESSMENT-DEMO-001'
	}
	return ''
}

export async function fetchMatches(): Promise<UTSJSONObject[]> {
	await wait(320)
	return [
		{ rank: 1, bank: '招商银行·闪电贷', amount: '50万', rate: '3.85%', term: '12-36期', score: 96 },
		{ rank: 2, bank: '平安银行·新一贷', amount: '30万', rate: '4.20%', term: '12-60期', score: 91 },
		{ rank: 3, bank: '建设银行·快e贷', amount: '20万', rate: '4.35%', term: '12-36期', score: 88 }
	]
}

export async function sendAssistantMessage(message: string): Promise<string> {
	await wait(600)
	return '结合您的评估结果，建议优先选择年化利率较低、可随借随还的产品，并重点确认提前还款规则。'
}

export { API_BASE_URL }