TypeScript prototype of the Decider pattern. (F# version: https://github.com/akhansari/EsBankAccount)

EsBankAccount.ts

import * as assert from "assert";

/** Decider Pattern **/

type Transaction = {
    amount: number
    date: Date
}

type Deposited = Transaction & {
    kind: "deposited"
}

type Withdrawn = Transaction & {
    kind: "withdrawn"
}

type Closed = {
    kind: "closed"
    closedOn: Date
}

export type Event_ =
    | Deposited
    | Withdrawn
    | Closed

type State = {
    Balance: number
    IsClosed: boolean
}

export module State {
    export const initial: Readonly<State> = {
        Balance: 0,
        IsClosed: false,
    }
}

export const evolve = (state: Readonly<State>, event: Readonly<Event_>): Readonly<State> => {
    switch (event.kind) {
        case "deposited":
            return { ...state, Balance: state.Balance + event.amount }
        case "withdrawn":
            return { ...state, Balance: state.Balance - event.amount }
        case "closed":
            return { ...state, IsClosed: true }
    }
}

export type Command =
    | { kind: "deposit", amount: number, date: Date }
    | { kind: "withdraw", amount: number, date: Date }
    | { kind: "close", date: Date }

export module Command {
    export const deposit = (amount: number, date: Date): Command =>
        ({ kind: "deposit", amount: amount, date: date })
    export const withdraw = (amount: number, date: Date): Command =>
        ({ kind: "withdraw", amount: amount, date: date })
    export const close = (date: Date): Command =>
        ({ kind: "close", date: date })
}

export const decide = (command: Readonly<Command>) => (state: Readonly<State>): ReadonlyArray<Event_> => {
    switch (command.kind) {
        case "deposit":
            return [ { kind: "deposited", amount: command.amount, date: command.date } ]
        case "withdraw":
            return [ { kind: "withdrawn", amount: command.amount, date: command.date } ]
        case "close":
            const events: Event_[] = []
            if (state.Balance > 0) {
                events.push({ kind: "withdrawn", amount: state.Balance, date: command.date })
            }
            events.push({ kind: "closed", closedOn: command.date })
            return events
    }
}

/** Tests **/

function deciderSpec<S, C, E>(
    initialState: Readonly<S>,
    evolve: (s: Readonly<S>, e: Readonly<E>) => Readonly<S>,
    decide: (c: Readonly<C>) => (s: Readonly<S>) => ReadonlyArray<E>) {

    const spec: { State: Readonly<S>, Outcome: ReadonlyArray<E> } = {
        State: initialState,
        Outcome: [],
    }

    return {
        given(events: ReadonlyArray<E>)  {
            spec.State = events.reduce(evolve, spec.State)
            return this
        },
        when(command: Readonly<C>) {
            const events = decide(command)(spec.State)
            spec.State = events.reduce(evolve, spec.State)
            spec.Outcome = events
            return this
        },
        then(expectedEvents: ReadonlyArray<E>) {
            assert.deepStrictEqual(spec.Outcome, expectedEvents)
            return this
        },
    }
}

const test = (message: string, fn: Function): void => {
    try {
        fn()
        console.log(" ✅  " + message)
    } catch (e) {
        console.error(" ❌  " + message)
        console.error(e)
    }
}

const anyDate = new Date(2000, 1, 1)

test("make a deposit", () => {
    deciderSpec(State.initial, evolve, decide)
        .when(Command.deposit(5, anyDate))
        .then([ { kind: "deposited", amount: 5, date: anyDate } ])
})

test("make a withdrawal", () => {
    deciderSpec(State.initial, evolve, decide)
        .when(Command.withdraw(5, anyDate))
        .then([ { kind: "withdrawn", amount: 5, date: anyDate } ])
})

test("close the account and withdraw the remaining amount", () => {
    deciderSpec(State.initial, evolve, decide)
        .given([
            { kind: "deposited", amount: 50, date: anyDate },
        ])
        .when(Command.deposit(50, anyDate))
        .when(Command.close(anyDate))
        .then([
            { kind: "withdrawn", amount: 100, date: anyDate },
            { kind: "closed", closedOn: anyDate },
        ])
})

@cjjohansen It's a complicated question, because this bank account example is oversimplified.
I'm not an expert of banking system, but for sure we are in a fully asynchronous system.
Normally we do a request and once the remote system acknowledge the transfer then we can make a withdrawal.
It makes sens to have a MoneyTransferRequest stream to persist different steps and especially all legal events.
So there shouldn't be any change in the BankAccount stream.