async function createPlugin(ctx) {
  return {
    async execute(action, input) {
      if (action !== "send_challenge") {
        throw new Error(`Unknown action: ${action}`);
      }
      const payload = input && input.payload ? input.payload : {};
      const recipient = input && input.recipient ? String(input.recipient) : "";
      if (!recipient) {
        throw new Error("recipient missing");
      }
      const entry = {
        at: new Date().toISOString(),
        via: "rms.auth.otp_email",
        to: recipient,
        from: String(ctx.getSetting("from", ctx.env.SMTP_FROM || "noreply@arcg.at")),
        subject: String(payload.subject || "ARCG OTP"),
        text: String(payload.text || ""),
        html: String(payload.html || "")
      };
      await ctx.appendMailOutbox(entry);
      return { ok: true, delivered: true, transport: "otp-email-plugin" };
    },
    async health() {
      return { ok: true };
    }
  };
}

module.exports = {
  createPlugin
};