Add attribution note

Signed-off-by: Zach Gollwitzer <zach@maybe.co>

.cursor/rules/cursor_rules.mdc

@@ -0,0 +1,53 @@
+---
+description: Guidelines for creating and maintaining Cursor rules to ensure consistency and effectiveness.
+globs: .cursor/rules/*.mdc
+alwaysApply: true
+---
+
+- **Required Rule Structure:**
+  ```markdown
+  ---
+  description: Clear, one-line description of what the rule enforces
+  globs: path/to/files/*.ext, other/path/**/*
+  alwaysApply: boolean
+  ---
+
+  - **Main Points in Bold**
+    - Sub-points with details
+    - Examples and explanations
+  ```
+
+- **File References:**
+  - Use `[filename](mdc:path/to/file)` ([filename](mdc:filename)) to reference files
+  - Example: [prisma.mdc](mdc:.cursor/rules/prisma.mdc) for rule references
+  - Example: [schema.prisma](mdc:prisma/schema.prisma) for code references
+
+- **Code Examples:**
+  - Use language-specific code blocks
+  ```typescript
+  // ✅ DO: Show good examples
+  const goodExample = true;
+  
+  // ❌ DON'T: Show anti-patterns
+  const badExample = false;
+  ```
+
+- **Rule Content Guidelines:**
+  - Start with high-level overview
+  - Include specific, actionable requirements
+  - Show examples of correct implementation
+  - Reference existing code when possible
+  - Keep rules DRY by referencing other rules
+
+- **Rule Maintenance:**
+  - Update rules when new patterns emerge
+  - Add examples from actual codebase
+  - Remove outdated patterns
+  - Cross-reference related rules
+
+- **Best Practices:**
+  - Use bullet points for clarity
+  - Keep descriptions concise
+  - Include both DO and DON'T examples
+  - Reference actual code over theoretical examples
+  - Use consistent formatting across rules 

.cursor/rules/project-conventions.mdc

@@ -66,54 +66,7 @@ All code should maximize readability and simplicity.
   - Example 1: be mindful of loading large data payloads in global layouts
   - Example 2: Avoid N+1 queries
 
-### Convention 5: Use Minitest + Fixtures for testing, minimize fixtures
-
-Due to the open-source nature of this project, we have chosen Minitest + Fixtures for testing to maximize familiarity and predictability.
-
-- Always use Minitest and fixtures for testing.
-- Keep fixtures to a minimum.  Most models should have 2-3 fixtures maximum that represent the "base cases" for that model.  "Edge cases" should be created on the fly, within the context of the test which it is needed.
-- For tests that require a large number of fixture records to be created, use Rails helpers such as [entries_test_helper.rb](mdc:test/support/entries_test_helper.rb) to act as a "factory" for creating these.  For a great example of this, check out [forward_calculator_test.rb](mdc:test/models/account/balance/forward_calculator_test.rb)
-- Take a minimal approach to testing—only test the absolutely critical code paths that will significantly increase developer confidence
-
-#### Convention 5a: Write minimal, effective tests
-
-- Use system tests sparingly as they increase the time to complete the test suite
-- Only write tests for critical and important code paths
-- Write tests as you go, when required
-- Take a practical approach to testing.  Tests are effective when their presence _significantly increases confidence in the codebase_.
-
-Below are examples of necessary vs. unnecessary tests:
-
-```rb
-# GOOD!!
-# Necessary test - in this case, we're testing critical domain business logic
-test "syncs balances" do
-  Holding::Syncer.any_instance.expects(:sync_holdings).returns([]).once
-
-  @account.expects(:start_date).returns(2.days.ago.to_date)
-
-  Balance::ForwardCalculator.any_instance.expects(:calculate).returns(
-    [
-      Balance.new(date: 1.day.ago.to_date, balance: 1000, cash_balance: 1000, currency: "USD"),
-      Balance.new(date: Date.current, balance: 1000, cash_balance: 1000, currency: "USD")
-    ]
-  )
-
-  assert_difference "@account.balances.count", 2 do
-    Balance::Syncer.new(@account, strategy: :forward).sync_balances
-  end
-end
-
-# BAD!!
-# Unnecessary test - in this case, this is simply testing ActiveRecord's functionality
-test "saves balance" do 
-  balance_record = Balance.new(balance: 100, currency: "USD")
-
-  assert balance_record.save
-end
-```
-
-### Convention 6: Use ActiveRecord for complex validations, DB for simple ones, keep business logic out of DB
+### Convention 5: Use ActiveRecord for complex validations, DB for simple ones, keep business logic out of DB
 
 - Enforce `null` checks, unique indexes, and other simple validations in the DB
 - ActiveRecord validations _may_ mirror the DB level ones, but not 100% necessary.  These are for convenience when error handling in forms.  Always prefer client-side form validation when possible.

.cursor/rules/self_improve.mdc

@@ -0,0 +1,72 @@
+---
+description: Guidelines for continuously improving Cursor rules based on emerging code patterns and best practices.
+globs: **/*
+alwaysApply: true
+---
+
+- **Rule Improvement Triggers:**
+  - New code patterns not covered by existing rules
+  - Repeated similar implementations across files
+  - Common error patterns that could be prevented
+  - New libraries or tools being used consistently
+  - Emerging best practices in the codebase
+
+- **Analysis Process:**
+  - Compare new code with existing rules
+  - Identify patterns that should be standardized
+  - Look for references to external documentation
+  - Check for consistent error handling patterns
+  - Monitor test patterns and coverage
+
+- **Rule Updates:**
+  - **Add New Rules When:**
+    - A new technology/pattern is used in 3+ files
+    - Common bugs could be prevented by a rule
+    - Code reviews repeatedly mention the same feedback
+    - New security or performance patterns emerge
+
+  - **Modify Existing Rules When:**
+    - Better examples exist in the codebase
+    - Additional edge cases are discovered
+    - Related rules have been updated
+    - Implementation details have changed
+
+- **Example Pattern Recognition:**
+  ```typescript
+  // If you see repeated patterns like:
+  const data = await prisma.user.findMany({
+    select: { id: true, email: true },
+    where: { status: 'ACTIVE' }
+  });
+  
+  // Consider adding to [prisma.mdc](mdc:.cursor/rules/prisma.mdc):
+  // - Standard select fields
+  // - Common where conditions
+  // - Performance optimization patterns
+  ```
+
+- **Rule Quality Checks:**
+  - Rules should be actionable and specific
+  - Examples should come from actual code
+  - References should be up to date
+  - Patterns should be consistently enforced
+
+- **Continuous Improvement:**
+  - Monitor code review comments
+  - Track common development questions
+  - Update rules after major refactors
+  - Add links to relevant documentation
+  - Cross-reference related rules
+
+- **Rule Deprecation:**
+  - Mark outdated patterns as deprecated
+  - Remove rules that no longer apply
+  - Update references to deprecated rules
+  - Document migration paths for old patterns
+
+- **Documentation Updates:**
+  - Keep examples synchronized with code
+  - Update references to external docs
+  - Maintain links between related rules
+  - Document breaking changes
+Follow [cursor_rules.mdc](mdc:.cursor/rules/cursor_rules.mdc) for proper rule formatting and structure.

.cursor/rules/stimulus_conventions.mdc

@@ -0,0 +1,64 @@
+---
+description: 
+globs: 
+alwaysApply: false
+---
+This rule describes how to write Stimulus controllers.
+
+- **Use declarative actions, not imperative event listeners**
+  - Instead of assigning a Stimulus target and binding it to an event listener in the initializer, always write Controllers + ERB views declaratively by using Stimulus actions in ERB to call methods in the Stimulus JS controller.  Below are good vs. bad code.
+
+  BAD code:
+
+  ```js
+  // BAD!!!! DO NOT DO THIS!!
+  // Imperative - controller does all the work
+  export default class extends Controller {
+    static targets = ["button", "content"]
+
+    connect() {
+      this.buttonTarget.addEventListener("click", this.toggle.bind(this))
+    }
+
+    toggle() {
+      this.contentTarget.classList.toggle("hidden")
+      this.buttonTarget.textContent = this.contentTarget.classList.contains("hidden") ? "Show" : "Hide"
+    }
+  }
+  ```
+
+  GOOD code:
+
+  ```erb
+  <!-- Declarative - HTML declares what happens -->
+
+  <div data-controller="toggle">
+    <button data-action="click->toggle#toggle" data-toggle-target="button">Show</button>
+    <div data-toggle-target="content" class="hidden">Hello World!</div>
+  </div>
+  ```
+
+  ```js
+  // Declarative - controller just responds
+  export default class extends Controller {
+    static targets = ["button", "content"]
+
+    toggle() {
+      this.contentTarget.classList.toggle("hidden")
+      this.buttonTarget.textContent = this.contentTarget.classList.contains("hidden") ? "Show" : "Hide"
+    }
+  }
+  ```
+
+- **Keep Stimulus controllers lightweight and simple**
+  - Always aim for less than 7 controller targets. Any more is a sign of too much complexity.
+  - Use private methods and expose a clear public API
+
+- **Keep Stimulus controllers focused on what they do best**
+  - Domain logic does NOT belong in a Stimulus controller
+  - Stimulus controllers should aim for a single responsibility, or a group of highly related responsibilities
+  - Make good use of Stimulus's callbacks, actions, targets, values, and classes
+
+- **Component controllers should not be used outside the component**
+  - If a Stimulus controller is in the app/components directory, it should only be used in its component view. It should not be used anywhere in app/views.
+

.cursor/rules/testing.mdc

@@ -0,0 +1,87 @@
+---
+description: 
+globs: test/**
+alwaysApply: false
+---
+Use this rule to learn how to write tests for the Maybe codebase.
+
+Due to the open-source nature of this project, we have chosen Minitest + Fixtures for testing to maximize familiarity and predictability.
+
+- **General testing rules**
+  - Always use Minitest and fixtures for testing, NEVER rspec or factories
+  - Keep fixtures to a minimum.  Most models should have 2-3 fixtures maximum that represent the "base cases" for that model.  "Edge cases" should be created on the fly, within the context of the test which it is needed.
+  - For tests that require a large number of fixture records to be created, use Rails helpers to help create the records needed for the test, then inline the creation. For example, [entries_test_helper.rb](mdc:test/support/entries_test_helper.rb) provides helpers to easily do this.
+
+- **Write minimal, effective tests**
+  - Use system tests sparingly as they increase the time to complete the test suite
+  - Only write tests for critical and important code paths
+  - Write tests as you go, when required
+  - Take a practical approach to testing.  Tests are effective when their presence _significantly increases confidence in the codebase_.
+
+  Below are examples of necessary vs. unnecessary tests:
+
+  ```rb
+  # GOOD!!
+  # Necessary test - in this case, we're testing critical domain business logic
+  test "syncs balances" do
+    Holding::Syncer.any_instance.expects(:sync_holdings).returns([]).once
+
+    @account.expects(:start_date).returns(2.days.ago.to_date)
+
+    Balance::ForwardCalculator.any_instance.expects(:calculate).returns(
+      [
+        Balance.new(date: 1.day.ago.to_date, balance: 1000, cash_balance: 1000, currency: "USD"),
+        Balance.new(date: Date.current, balance: 1000, cash_balance: 1000, currency: "USD")
+      ]
+    )
+
+    assert_difference "@account.balances.count", 2 do
+      Balance::Syncer.new(@account, strategy: :forward).sync_balances
+    end
+  end
+
+  # BAD!!
+  # Unnecessary test - in this case, this is simply testing ActiveRecord's functionality
+  test "saves balance" do 
+    balance_record = Balance.new(balance: 100, currency: "USD")
+
+    assert balance_record.save
+  end
+  ```
+
+- **Test boundaries correctly**
+  - Distinguish between commands and query methods. Test output of query methods; test that commands were called with the correct params. See an example below:
+
+  ```rb
+  class ExampleClass
+    def do_something
+      result = 2 + 2
+
+      CustomEventProcessor.process_result(result)
+
+      result
+    end
+  end
+
+  class ExampleClass < ActiveSupport::TestCase
+    test "boundaries are tested correctly" do 
+      result = ExampleClass.new.do_something
+
+      # GOOD - we're only testing that the command was received, not internal implementation details
+      # The actual tests for CustomEventProcessor belong in a different test suite!
+      CustomEventProcessor.expects(:process_result).with(4).once
+
+      # GOOD - we're testing the implementation of ExampleClass inside its own test suite
+      assert_equal 4, result
+    end
+  end
+  ```
+
+  - Never test the implementation details of one class in another classes test suite
+
+- **Stubs and mocks**
+  - Use `mocha` gem 
+  - Always prefer `OpenStruct` when creating mock instances, or in complex cases, a mock class
+  - Only mock what's necessary. If you're not testing return values, don't mock a return value.
+
+

.cursor/rules/view_conventions.mdc

@@ -0,0 +1,100 @@
+---
+description: 
+globs: app/views/**,app/javascript/**,app/components/**/*.js
+alwaysApply: false
+---
+Use this rule to learn how to write ERB views, partials, and Stimulus controllers should be incorporated into them.
+
+- **Component vs. Partial Decision Making**
+  - **Use ViewComponents when:**
+    - Element has complex logic or styling patterns
+    - Element will be reused across multiple views/contexts
+    - Element needs structured styling with variants/sizes (like buttons, badges)
+    - Element requires interactive behavior or Stimulus controllers
+    - Element has configurable slots or complex APIs
+    - Element needs accessibility features or ARIA support
+  
+  - **Use Partials when:**
+    - Element is primarily static HTML with minimal logic
+    - Element is used in only one or few specific contexts
+    - Element is simple template content (like CTAs, static sections)
+    - Element doesn't need variants, sizes, or complex configuration
+    - Element is more about content organization than reusable functionality
+
+- **Prefer components over partials**
+  - If there is a component available for the use case in app/components, use it
+  - If there is no component, look for a partial
+  - If there is no partial, decide between component or partial based on the criteria above
+
+- **Examples of Component vs. Partial Usage**
+  ```erb
+  <%# Component: Complex, reusable with variants and interactivity %>
+  <%= render DialogComponent.new(variant: :drawer) do |dialog| %>
+    <% dialog.with_header(title: "Account Settings") %>
+    <% dialog.with_body { "Dialog content here" } %>
+  <% end %>
+  
+  <%# Component: Interactive with complex styling options %>
+  <%= render ButtonComponent.new(text: "Save Changes", variant: "primary", confirm: "Are you sure?") %>
+  
+  <%# Component: Reusable with variants %>
+  <%= render FilledIconComponent.new(icon: "credit-card", variant: :surface) %>
+  
+  <%# Partial: Static template content %>
+  <%= render "shared/logo" %>
+  
+  <%# Partial: Simple, context-specific content with basic styling %>
+  <%= render "shared/trend_change", trend: @account.trend, comparison_label: "vs last month" %>
+  
+  <%# Partial: Simple divider/utility %>
+  <%= render "shared/ruler", classes: "my-4" %>
+  
+  <%# Partial: Simple form utility %>
+  <%= render "shared/form_errors", model: @account %>
+  ```
+
+- **Keep domain logic out of the views**
+   ```erb
+    <%# BAD!!! %>
+
+    <%# This belongs in the component file, not the template file! %>
+    <% button_classes = { class: "bg-blue-500 hover:bg-blue-600" } %>
+
+    <%= tag.button class: button_classes do %>
+      Save Account
+    <% end %>
+
+    <%# GOOD! %>
+
+    <%= tag.button class: computed_button_classes do %>
+      Save Account
+    <% end %>
+    ```
+
+- **Stimulus Integration in Views**
+  - Always use the **declarative approach** when integrating Stimulus controllers
+  - The ERB template should declare what happens, the Stimulus controller should respond
+  - Refer to [stimulus_conventions.mdc](mdc:.cursor/rules/stimulus_conventions.mdc) to learn how to incorporate them into 
+
+  GOOD Stimulus controller integration into views:
+
+  ```erb
+  <!-- Declarative - HTML declares what happens -->
+
+  <div data-controller="toggle">
+    <button data-action="click->toggle#toggle" data-toggle-target="button">Show</button>
+    <div data-toggle-target="content" class="hidden">Hello World!</div>
+  </div>
+  ```
+
+- **Stimulus Controller Placement Guidelines**
+  - **Component controllers** (in `app/components/`) should only be used within their component templates
+  - **Global controllers** (in `app/javascript/controllers/`) can be used across any view
+  - Pass data from Rails to Stimulus using `data-*-value` attributes, not inline JavaScript
+  - Use Stimulus targets to reference DOM elements, not manual `getElementById` calls
+
+- **Naming Conventions**
+  - **Components**: Use `ComponentName` suffix (e.g., `ButtonComponent`, `DialogComponent`, `FilledIconComponent`)
+  - **Partials**: Use underscore prefix (e.g., `_trend_change.html.erb`, `_form_errors.html.erb`, `_sync_indicator.html.erb`)
+  - **Shared partials**: Place in `app/views/shared/` directory for reusable content
+  - **Context-specific partials**: Place in relevant controller view directory (e.g., `accounts/_account_sidebar_tabs.html.erb`)

.env.example

@@ -51,6 +51,14 @@ APP_DOMAIN=
 # Disable enforcing SSL connections
 # DISABLE_SSL=true
 
+# Active Record Encryption Keys (Optional)
+# These keys are used to encrypt sensitive data like API keys in the database.
+# If not provided, they will be automatically generated based on your SECRET_KEY_BASE.
+# You can generate your own keys by running: rails db:encryption:init
+# ACTIVE_RECORD_ENCRYPTION_PRIMARY_KEY=
+# ACTIVE_RECORD_ENCRYPTION_DETERMINISTIC_KEY=
+# ACTIVE_RECORD_ENCRYPTION_KEY_DERIVATION_SALT=
+
 # ======================================================================================================
 # Active Storage Configuration - responsible for storing file uploads
 # ======================================================================================================

.github/workflows/ci.yml

@@ -80,6 +80,7 @@ jobs:
       PLAID_CLIENT_ID: foo
       PLAID_SECRET: bar
       DATABASE_URL: postgres://postgres:postgres@localhost:5432
+      REDIS_URL: redis://localhost:6379
       RAILS_ENV: test
 
     services:
@@ -92,6 +93,12 @@ jobs:
           - 5432:5432
         options: --health-cmd="pg_isready" --health-interval=10s --health-timeout=5s --health-retries=3
 
+      redis:
+        image: redis
+        ports:
+          - 6379:6379
+        options: --health-cmd="redis-cli ping" --health-interval=10s --health-timeout=5s --health-retries=3
+
     steps:
       - name: Install packages
         run: sudo apt-get update && sudo apt-get install --no-install-recommends -y google-chrome-stable curl libvips postgresql-client libpq-dev

.gitignore

@@ -70,4 +70,39 @@ node_modules
 
 compose.yml
 
-plaid_test_accounts/
+plaid_test_accounts/
+
+# Added by Claude Task Master
+# Logs
+logs
+*.log
+npm-debug.log*
+yarn-debug.log*
+yarn-error.log*
+dev-debug.log
+# Dependency directories
+node_modules/
+# Environment variables
+.env
+# Editor directories and files
+.vscode
+*.suo
+*.ntvs*
+*.njsproj
+*.sln
+*.sw?
+*.roo*
+# OS specific
+# Task files
+.taskmaster/
+tasks.json
+.taskmaster/tasks/
+.taskmaster/reports/
+.taskmaster/state.json
+*.mcp.json
+scripts/
+.cursor/mcp.json
+.taskmasterconfig
+.windsurfrules
+.cursor/rules/dev_workflow.mdc
+.cursor/rules/taskmaster.mdc

CLAUDE.md

@@ -0,0 +1,273 @@
+# CLAUDE.md
+
+This file provides guidance to Claude Code (claude.ai/code) when working with code in this repository.
+
+## Common Development Commands
+
+### Development Server
+- `bin/dev` - Start development server (Rails, Sidekiq, Tailwind CSS watcher)
+- `bin/rails server` - Start Rails server only
+- `bin/rails console` - Open Rails console
+
+### Testing
+- `bin/rails test` - Run all tests
+- `bin/rails test:db` - Run tests with database reset
+- `bin/rails test:system` - Run system tests only (use sparingly - they take longer)
+- `bin/rails test test/models/account_test.rb` - Run specific test file
+- `bin/rails test test/models/account_test.rb:42` - Run specific test at line
+
+### Linting & Formatting
+- `bin/rubocop` - Run Ruby linter
+- `npm run lint` - Check JavaScript/TypeScript code
+- `npm run lint:fix` - Fix JavaScript/TypeScript issues
+- `npm run format` - Format JavaScript/TypeScript code
+- `bin/brakeman` - Run security analysis
+
+### Database
+- `bin/rails db:prepare` - Create and migrate database
+- `bin/rails db:migrate` - Run pending migrations
+- `bin/rails db:rollback` - Rollback last migration
+- `bin/rails db:seed` - Load seed data
+
+### Setup
+- `bin/setup` - Initial project setup (installs dependencies, prepares database)
+
+## Pre-Pull Request CI Workflow
+
+ALWAYS run these commands before opening a pull request:
+
+1. **Tests** (Required):
+   - `bin/rails test` - Run all tests (always required)
+   - `bin/rails test:system` - Run system tests (only when applicable, they take longer)
+
+2. **Linting** (Required):
+   - `bin/rubocop -f github -a` - Ruby linting with auto-correct
+   - `bundle exec erb_lint ./app/**/*.erb -a` - ERB linting with auto-correct
+
+3. **Security** (Required):
+   - `bin/brakeman --no-pager` - Security analysis
+
+Only proceed with pull request creation if ALL checks pass.
+
+## General Development Rules
+
+### Authentication Context
+- Use `Current.user` for the current user. Do NOT use `current_user`.
+- Use `Current.family` for the current family. Do NOT use `current_family`.
+
+### Development Guidelines
+- Prior to generating any code, carefully read the project conventions and guidelines
+- Ignore i18n methods and files. Hardcode strings in English for now to optimize speed of development
+- Do not run `rails server` in your responses
+- Do not run `touch tmp/restart.txt`
+- Do not run `rails credentials`
+- Do not automatically run migrations
+
+## High-Level Architecture
+
+### Application Modes
+The Maybe app runs in two distinct modes:
+- **Managed**: The Maybe team operates and manages servers for users (Rails.application.config.app_mode = "managed")
+- **Self Hosted**: Users host the Maybe app on their own infrastructure, typically through Docker Compose (Rails.application.config.app_mode = "self_hosted")
+
+### Core Domain Model
+The application is built around financial data management with these key relationships:
+- **User** → has many **Accounts** → has many **Transactions**
+- **Account** types: checking, savings, credit cards, investments, crypto, loans, properties
+- **Transaction** → belongs to **Category**, can have **Tags** and **Rules**
+- **Investment accounts** → have **Holdings** → track **Securities** via **Trades**
+
+### API Architecture
+The application provides both internal and external APIs:
+- Internal API: Controllers serve JSON via Turbo for SPA-like interactions
+- External API: `/api/v1/` namespace with Doorkeeper OAuth and API key authentication
+- API responses use Jbuilder templates for JSON rendering
+- Rate limiting via Rack Attack with configurable limits per API key
+
+### Sync & Import System
+Two primary data ingestion methods:
+1. **Plaid Integration**: Real-time bank account syncing
+   - `PlaidItem` manages connections
+   - `Sync` tracks sync operations
+   - Background jobs handle data updates
+2. **CSV Import**: Manual data import with mapping
+   - `Import` manages import sessions
+   - Supports transaction and balance imports
+   - Custom field mapping with transformation rules
+
+### Background Processing
+Sidekiq handles asynchronous tasks:
+- Account syncing (`SyncAccountsJob`)
+- Import processing (`ImportDataJob`)
+- AI chat responses (`CreateChatResponseJob`)
+- Scheduled maintenance via sidekiq-cron
+
+### Frontend Architecture
+- **Hotwire Stack**: Turbo + Stimulus for reactive UI without heavy JavaScript
+- **ViewComponents**: Reusable UI components in `app/components/`
+- **Stimulus Controllers**: Handle interactivity, organized alongside components
+- **Charts**: D3.js for financial visualizations (time series, donut, sankey)
+- **Styling**: Tailwind CSS v4.x with custom design system
+  - Design system defined in `app/assets/tailwind/maybe-design-system.css`
+  - Always use functional tokens (e.g., `text-primary` not `text-white`)
+  - Prefer semantic HTML elements over JS components
+  - Use `icon` helper for icons, never `lucide_icon` directly
+
+### Multi-Currency Support
+- All monetary values stored in base currency (user's primary currency)
+- Exchange rates fetched from Synth API
+- `Money` objects handle currency conversion and formatting
+- Historical exchange rates for accurate reporting
+
+### Security & Authentication
+- Session-based auth for web users
+- API authentication via:
+  - OAuth2 (Doorkeeper) for third-party apps
+  - API keys with JWT tokens for direct API access
+- Scoped permissions system for API access
+- Strong parameters and CSRF protection throughout
+
+### Testing Philosophy
+- Comprehensive test coverage using Rails' built-in Minitest
+- Fixtures for test data (avoid FactoryBot)
+- Keep fixtures minimal (2-3 per model for base cases)
+- VCR for external API testing
+- System tests for critical user flows (use sparingly)
+- Test helpers in `test/support/` for common scenarios
+- Only test critical code paths that significantly increase confidence
+- Write tests as you go, when required
+
+### Performance Considerations
+- Database queries optimized with proper indexes
+- N+1 queries prevented via includes/joins
+- Background jobs for heavy operations
+- Caching strategies for expensive calculations
+- Turbo Frames for partial page updates
+
+### Development Workflow
+- Feature branches merged to `main`
+- Docker support for consistent environments
+- Environment variables via `.env` files
+- Lookbook for component development (`/lookbook`)
+- Letter Opener for email preview in development
+
+## Project Conventions
+
+### Convention 1: Minimize Dependencies
+- Push Rails to its limits before adding new dependencies
+- Strong technical/business reason required for new dependencies
+- Favor old and reliable over new and flashy
+
+### Convention 2: Skinny Controllers, Fat Models
+- Business logic in `app/models/` folder, avoid `app/services/`
+- Use Rails concerns and POROs for organization
+- Models should answer questions about themselves: `account.balance_series` not `AccountSeries.new(account).call`
+
+### Convention 3: Hotwire-First Frontend
+- **Native HTML preferred over JS components**
+  - Use `<dialog>` for modals, `<details><summary>` for disclosures
+- **Leverage Turbo frames** for page sections over client-side solutions
+- **Query params for state** over localStorage/sessions
+- **Server-side formatting** for currencies, numbers, dates
+- **Always use `icon` helper** in `application_helper.rb`, NEVER `lucide_icon` directly
+
+### Convention 4: Optimize for Simplicity
+- Prioritize good OOP domain design over performance
+- Focus performance only on critical/global areas (avoid N+1 queries, mindful of global layouts)
+
+### Convention 5: Database vs ActiveRecord Validations
+- Simple validations (null checks, unique indexes) in DB
+- ActiveRecord validations for convenience in forms (prefer client-side when possible)
+- Complex validations and business logic in ActiveRecord
+
+## TailwindCSS Design System
+
+### Design System Rules
+- **Always reference `app/assets/tailwind/maybe-design-system.css`** for primitives and tokens
+- **Use functional tokens** defined in design system:
+  - `text-primary` instead of `text-white`
+  - `bg-container` instead of `bg-white`
+  - `border border-primary` instead of `border border-gray-200`
+- **NEVER create new styles** in design system files without permission
+- **Always generate semantic HTML**
+
+## Component Architecture
+
+### ViewComponent vs Partials Decision Making
+
+**Use ViewComponents when:**
+- Element has complex logic or styling patterns
+- Element will be reused across multiple views/contexts
+- Element needs structured styling with variants/sizes
+- Element requires interactive behavior or Stimulus controllers
+- Element has configurable slots or complex APIs
+- Element needs accessibility features or ARIA support
+
+**Use Partials when:**
+- Element is primarily static HTML with minimal logic
+- Element is used in only one or few specific contexts
+- Element is simple template content
+- Element doesn't need variants, sizes, or complex configuration
+- Element is more about content organization than reusable functionality
+
+**Component Guidelines:**
+- Prefer components over partials when available
+- Keep domain logic OUT of view templates
+- Logic belongs in component files, not template files
+
+### Stimulus Controller Guidelines
+
+**Declarative Actions (Required):**
+```erb
+<!-- GOOD: Declarative - HTML declares what happens -->
+<div data-controller="toggle">
+  <button data-action="click->toggle#toggle" data-toggle-target="button">Show</button>
+  <div data-toggle-target="content" class="hidden">Hello World!</div>
+</div>
+```
+
+**Controller Best Practices:**
+- Keep controllers lightweight and simple (< 7 targets)
+- Use private methods and expose clear public API
+- Single responsibility or highly related responsibilities
+- Component controllers stay in component directory, global controllers in `app/javascript/controllers/`
+- Pass data via `data-*-value` attributes, not inline JavaScript
+
+## Testing Philosophy
+
+### General Testing Rules
+- **ALWAYS use Minitest + fixtures** (NEVER RSpec or factories)
+- Keep fixtures minimal (2-3 per model for base cases)
+- Create edge cases on-the-fly within test context
+- Use Rails helpers for large fixture creation needs
+
+### Test Quality Guidelines
+- **Write minimal, effective tests** - system tests sparingly
+- **Only test critical and important code paths**
+- **Test boundaries correctly:**
+  - Commands: test they were called with correct params
+  - Queries: test output
+  - Don't test implementation details of other classes
+
+### Testing Examples
+
+```ruby
+# GOOD - Testing critical domain business logic
+test "syncs balances" do
+  Holding::Syncer.any_instance.expects(:sync_holdings).returns([]).once
+  assert_difference "@account.balances.count", 2 do
+    Balance::Syncer.new(@account, strategy: :forward).sync_balances
+  end
+end
+
+# BAD - Testing ActiveRecord functionality
+test "saves balance" do 
+  balance_record = Balance.new(balance: 100, currency: "USD")
+  assert balance_record.save
+end
+```
+
+### Stubs and Mocks
+- Use `mocha` gem
+- Prefer `OpenStruct` for mock instances
+- Only mock what's necessary

Gemfile

@@ -23,7 +23,11 @@ gem "lucide-rails", github: "maybe-finance/lucide-rails"
 gem "stimulus-rails"
 gem "turbo-rails"
 gem "view_component"
-gem "lookbook", ">= 2.3.7"
+
+# https://github.com/lookbook-hq/lookbook/issues/712
+# TODO: Remove max version constraint when fixed
+gem "lookbook", "2.3.11"
+
 gem "hotwire_combobox"
 
 # Background Jobs
@@ -37,7 +41,7 @@ gem "sentry-ruby"
 gem "sentry-rails"
 gem "sentry-sidekiq"
 gem "logtail-rails"
-gem "skylight"
+gem "skylight", groups: [ :production ]
 
 # Active Storage
 gem "aws-sdk-s3", "~> 1.177.0", require: false
@@ -47,6 +51,11 @@ gem "image_processing", ">= 1.2"
 gem "ostruct"
 gem "bcrypt", "~> 3.1"
 gem "jwt"
+gem "jbuilder"
+
+# OAuth & API Security
+gem "doorkeeper"
+gem "rack-attack", "~> 6.6"
 gem "faraday"
 gem "faraday-retry"
 gem "faraday-multipart"
@@ -63,6 +72,7 @@ gem "plaid"
 gem "rotp", "~> 6.3"
 gem "rqrcode", "~> 3.0"
 gem "activerecord-import"
+gem "rubyzip", "~> 2.3"
 
 # State machines
 gem "aasm"
@@ -80,6 +90,10 @@ group :development, :test do
   gem "dotenv-rails"
 end
 
+if ENV["BENCHMARKING_ENABLED"]
+  gem "dotenv-rails", groups: [ :production ]
+end
+
 group :development do
   gem "hotwire-livereload"
   gem "letter_opener"
@@ -87,6 +101,8 @@ group :development do
   gem "web-console"
   gem "faker"
   gem "benchmark-ips"
+  gem "stackprof"
+  gem "derailed_benchmarks"
   gem "foreman"
 end
 

Gemfile.lock

@@ -8,7 +8,7 @@ GIT
 GEM
   remote: https://rubygems.org/
   specs:
-    aasm (5.5.0)
+    aasm (5.5.1)
       concurrent-ruby (~> 1.0)
     actioncable (7.2.2.1)
       actionpack (= 7.2.2.1)
@@ -63,7 +63,7 @@ GEM
       activemodel (= 7.2.2.1)
       activesupport (= 7.2.2.1)
       timeout (>= 0.4.0)
-    activerecord-import (2.1.0)
+    activerecord-import (2.2.0)
       activerecord (>= 4.2)
     activestorage (7.2.2.1)
       actionpack (= 7.2.2.1)
@@ -89,27 +89,27 @@ GEM
       activerecord (>= 4.2)
       activesupport
     ast (2.4.3)
-    aws-eventstream (1.3.2)
-    aws-partitions (1.1105.0)
-    aws-sdk-core (3.224.0)
+    aws-eventstream (1.4.0)
+    aws-partitions (1.1113.0)
+    aws-sdk-core (3.225.1)
       aws-eventstream (~> 1, >= 1.3.0)
       aws-partitions (~> 1, >= 1.992.0)
       aws-sigv4 (~> 1.9)
       base64
       jmespath (~> 1, >= 1.6.1)
       logger
-    aws-sdk-kms (1.101.0)
-      aws-sdk-core (~> 3, >= 3.216.0)
+    aws-sdk-kms (1.104.0)
+      aws-sdk-core (~> 3, >= 3.225.0)
       aws-sigv4 (~> 1.5)
     aws-sdk-s3 (1.177.0)
       aws-sdk-core (~> 3, >= 3.210.0)
       aws-sdk-kms (~> 1)
       aws-sigv4 (~> 1.5)
-    aws-sigv4 (1.11.0)
+    aws-sigv4 (1.12.0)
       aws-eventstream (~> 1, >= 1.0.2)
-    base64 (0.2.0)
+    base64 (0.3.0)
     bcrypt (3.1.20)
-    benchmark (0.4.0)
+    benchmark (0.4.1)
     benchmark-ips (2.14.0)
     better_html (2.1.1)
       actionview (>= 6.0)
@@ -118,11 +118,11 @@ GEM
       erubi (~> 1.4)
       parser (>= 2.4)
       smart_properties
-    bigdecimal (3.1.9)
+    bigdecimal (3.2.2)
     bindex (0.8.1)
     bootsnap (1.18.6)
       msgpack (~> 1.2)
-    brakeman (7.0.2)
+    brakeman (7.1.0)
       racc
     builder (3.3.0)
     capybara (3.40.0)
@@ -138,7 +138,7 @@ GEM
       logger (~> 1.5)
     chunky_png (1.4.0)
     climate_control (1.2.0)
-    concurrent-ruby (1.3.4)
+    concurrent-ruby (1.3.5)
     connection_pool (2.5.3)
     crack (1.0.0)
       bigdecimal
@@ -149,17 +149,37 @@ GEM
       unicode (>= 0.4.4.5)
     css_parser (1.21.1)
       addressable
-    csv (3.3.4)
+    csv (3.3.5)
     date (3.4.1)
-    debug (1.10.0)
+    debug (1.11.0)
       irb (~> 1.10)
       reline (>= 0.3.8)
+    derailed_benchmarks (2.2.1)
+      base64
+      benchmark-ips (~> 2)
+      bigdecimal
+      drb
+      get_process_mem
+      heapy (~> 0)
+      logger
+      memory_profiler (>= 0, < 2)
+      mini_histogram (>= 0.3.0)
+      mutex_m
+      ostruct
+      rack (>= 1)
+      rack-test
+      rake (> 10, < 14)
+      ruby-statistics (>= 4.0.1)
+      ruby2_keywords
+      thor (>= 0.19, < 2)
     docile (1.4.1)
+    doorkeeper (5.8.2)
+      railties (>= 5)
     dotenv (3.1.8)
     dotenv-rails (3.1.8)
       dotenv (= 3.1.8)
       railties (>= 6.1)
-    drb (2.2.1)
+    drb (2.2.3)
     erb (5.0.1)
     erb_lint (0.9.0)
       activesupport
@@ -172,17 +192,17 @@ GEM
     et-orbi (1.2.11)
       tzinfo
     event_stream_parser (1.0.0)
-    faker (3.5.1)
+    faker (3.5.2)
       i18n (>= 1.8.11, < 2)
-    faraday (2.13.1)
+    faraday (2.13.2)
       faraday-net_http (>= 2.0, < 3.5)
       json
       logger
-    faraday-multipart (1.1.0)
+    faraday-multipart (1.1.1)
       multipart-post (~> 2.0)
-    faraday-net_http (3.4.0)
+    faraday-net_http (3.4.1)
       net-http (>= 0.5.0)
-    faraday-retry (2.3.1)
+    faraday-retry (2.3.2)
       faraday (~> 2.0)
     ffi (1.17.2-aarch64-linux-gnu)
     ffi (1.17.2-aarch64-linux-musl)
@@ -196,9 +216,14 @@ GEM
     fugit (1.11.1)
       et-orbi (~> 1, >= 1.2.11)
       raabro (~> 1.4)
+    get_process_mem (1.0.0)
+      bigdecimal (>= 2.0)
+      ffi (~> 1.0)
     globalid (1.2.1)
       activesupport (>= 6.1)
-    hashdiff (1.1.2)
+    hashdiff (1.2.0)
+    heapy (0.2.0)
+      thor
     highline (3.1.2)
       reline
     hotwire-livereload (2.0.0)
@@ -243,9 +268,12 @@ GEM
       pp (>= 0.6.0)
       rdoc (>= 4.0.0)
       reline (>= 0.4.2)
+    jbuilder (2.13.0)
+      actionview (>= 5.0.0)
+      activesupport (>= 5.0.0)
     jmespath (1.6.2)
-    json (2.12.0)
-    jwt (2.10.1)
+    json (2.12.2)
+    jwt (2.10.2)
       base64
     language_server-protocol (3.17.0.5)
     launchy (3.1.1)
@@ -273,7 +301,7 @@ GEM
     loofah (2.24.1)
       crass (~> 1.0.2)
       nokogiri (>= 1.12.0)
-    lookbook (2.3.9)
+    lookbook (2.3.11)
       activemodel
       css_parser
       htmlbeautifier (~> 1.3)
@@ -292,7 +320,9 @@ GEM
       net-smtp
     marcel (1.0.4)
     matrix (0.4.2)
+    memory_profiler (1.1.0)
     method_source (1.1.0)
+    mini_histogram (0.3.1)
     mini_magick (5.2.0)
       benchmark
       logger
@@ -302,6 +332,7 @@ GEM
       ruby2_keywords (>= 0.0.5)
     msgpack (1.8.0)
     multipart-post (2.4.1)
+    mutex_m (0.3.0)
     net-http (0.6.0)
       uri
     net-imap (0.5.8)
@@ -333,14 +364,14 @@ GEM
     octokit (10.0.0)
       faraday (>= 1, < 3)
       sawyer (~> 0.9)
-    ostruct (0.6.1)
-    pagy (9.3.4)
+    ostruct (0.6.2)
+    pagy (9.3.5)
     parallel (1.27.0)
     parser (3.3.8.0)
       ast (~> 2.4.1)
       racc
     pg (1.5.9)
-    plaid (39.0.0)
+    plaid (41.0.0)
       faraday (>= 1.0.1, < 3.0)
       faraday-multipart (>= 1.0.1, < 2.0)
     platform_agent (1.0.1)
@@ -363,8 +394,10 @@ GEM
       nio4r (~> 2.0)
     raabro (1.4.0)
     racc (1.8.1)
-    rack (3.1.15)
-    rack-mini-profiler (3.3.1)
+    rack (3.1.16)
+    rack-attack (6.7.0)
+      rack (>= 1.0, < 4)
+    rack-mini-profiler (4.0.0)
       rack (>= 1.2.0)
     rack-session (2.1.1)
       base64 (>= 0.1.0)
@@ -387,7 +420,7 @@ GEM
       activesupport (= 7.2.2.1)
       bundler (>= 1.15.0)
       railties (= 7.2.2.1)
-    rails-dom-testing (2.2.0)
+    rails-dom-testing (2.3.0)
       activesupport (>= 5.0.0)
       minitest
       nokogiri (>= 1.6)
@@ -409,19 +442,19 @@ GEM
       thor (~> 1.0, >= 1.2.2)
       zeitwerk (~> 2.6)
     rainbow (3.1.1)
-    rake (13.2.1)
+    rake (13.3.0)
     rb-fsevent (0.11.2)
     rb-inotify (0.11.1)
       ffi (~> 1.0)
     rbs (3.9.4)
       logger
-    rdoc (6.14.0)
+    rdoc (6.14.2)
       erb
       psych (>= 4.0.0)
     redcarpet (3.6.1)
     redis (5.4.0)
       redis-client (>= 0.22.0)
-    redis-client (0.24.0)
+    redis-client (0.25.0)
       connection_pool
     regexp_parser (2.10.0)
     reline (0.6.1)
@@ -433,7 +466,7 @@ GEM
       chunky_png (~> 1.0)
       rqrcode_core (~> 2.0)
     rqrcode_core (2.0.0)
-    rubocop (1.75.6)
+    rubocop (1.76.1)
       json (~> 2.3)
       language_server-protocol (~> 3.17.0.2)
       lint_roller (~> 1.1.0)
@@ -441,10 +474,10 @@ GEM
       parser (>= 3.3.0.2)
       rainbow (>= 2.2.2, < 4.0)
       regexp_parser (>= 2.9.3, < 3.0)
-      rubocop-ast (>= 1.44.0, < 2.0)
+      rubocop-ast (>= 1.45.0, < 2.0)
       ruby-progressbar (~> 1.7)
       unicode-display_width (>= 2.4.0, < 4.0)
-    rubocop-ast (1.44.1)
+    rubocop-ast (1.45.1)
       parser (>= 3.3.7.2)
       prism (~> 1.4)
     rubocop-performance (1.25.0)
@@ -461,19 +494,20 @@ GEM
       rubocop (>= 1.72)
       rubocop-performance (>= 1.24)
       rubocop-rails (>= 2.30)
-    ruby-lsp (0.23.20)
+    ruby-lsp (0.24.1)
       language_server-protocol (~> 3.17.0)
       prism (>= 1.2, < 2.0)
-      rbs (>= 3, < 4)
+      rbs (>= 3, < 5)
       sorbet-runtime (>= 0.5.10782)
-    ruby-lsp-rails (0.4.3)
-      ruby-lsp (>= 0.23.18, < 0.24.0)
+    ruby-lsp-rails (0.4.6)
+      ruby-lsp (>= 0.24.0, < 0.25.0)
     ruby-openai (8.1.0)
       event_stream_parser (>= 0.3.0, < 2.0.0)
       faraday (>= 1)
       faraday-multipart (>= 1)
     ruby-progressbar (1.13.0)
-    ruby-vips (2.2.3)
+    ruby-statistics (4.1.0)
+    ruby-vips (2.2.4)
       ffi (~> 1.12)
       logger
     ruby2_keywords (0.0.5)
@@ -482,22 +516,22 @@ GEM
       addressable (>= 2.3.5)
       faraday (>= 0.17.3, < 3)
     securerandom (0.4.1)
-    selenium-webdriver (4.32.0)
+    selenium-webdriver (4.34.0)
       base64 (~> 0.2)
       logger (~> 1.4)
       rexml (~> 3.2, >= 3.2.5)
       rubyzip (>= 1.2.2, < 3.0)
       websocket (~> 1.0)
-    sentry-rails (5.24.0)
+    sentry-rails (5.26.0)
       railties (>= 5.0)
-      sentry-ruby (~> 5.24.0)
-    sentry-ruby (5.24.0)
+      sentry-ruby (~> 5.26.0)
+    sentry-ruby (5.26.0)
       bigdecimal
       concurrent-ruby (~> 1.0, >= 1.0.2)
-    sentry-sidekiq (5.24.0)
-      sentry-ruby (~> 5.24.0)
+    sentry-sidekiq (5.26.0)
+      sentry-ruby (~> 5.26.0)
       sidekiq (>= 3.0)
-    sidekiq (8.0.3)
+    sidekiq (8.0.5)
       connection_pool (>= 2.5.0)
       json (>= 2.9.0)
       logger (>= 1.6.2)
@@ -517,26 +551,27 @@ GEM
     skylight (6.0.4)
       activesupport (>= 5.2.0)
     smart_properties (1.17.0)
-    sorbet-runtime (0.5.12117)
+    sorbet-runtime (0.5.12163)
+    stackprof (0.2.27)
     stimulus-rails (1.3.4)
       railties (>= 6.0.0)
     stringio (3.1.7)
-    stripe (15.1.0)
+    stripe (15.3.0)
     tailwindcss-rails (4.2.3)
       railties (>= 7.0.0)
       tailwindcss-ruby (~> 4.0)
-    tailwindcss-ruby (4.1.7)
-    tailwindcss-ruby (4.1.7-aarch64-linux-gnu)
-    tailwindcss-ruby (4.1.7-aarch64-linux-musl)
-    tailwindcss-ruby (4.1.7-arm64-darwin)
-    tailwindcss-ruby (4.1.7-x86_64-darwin)
-    tailwindcss-ruby (4.1.7-x86_64-linux-gnu)
-    tailwindcss-ruby (4.1.7-x86_64-linux-musl)
+    tailwindcss-ruby (4.1.8)
+    tailwindcss-ruby (4.1.8-aarch64-linux-gnu)
+    tailwindcss-ruby (4.1.8-aarch64-linux-musl)
+    tailwindcss-ruby (4.1.8-arm64-darwin)
+    tailwindcss-ruby (4.1.8-x86_64-darwin)
+    tailwindcss-ruby (4.1.8-x86_64-linux-gnu)
+    tailwindcss-ruby (4.1.8-x86_64-linux-musl)
     terminal-table (4.0.0)
       unicode-display_width (>= 1.1.1, < 4)
     thor (1.3.2)
     timeout (0.4.3)
-    turbo-rails (2.0.13)
+    turbo-rails (2.0.16)
       actionpack (>= 7.1.0)
       railties (>= 7.1.0)
     tzinfo (2.0.6)
@@ -549,10 +584,10 @@ GEM
     useragent (0.16.11)
     vcr (6.3.1)
       base64
-    vernier (1.7.1)
-    view_component (3.22.0)
+    vernier (1.8.0)
+    view_component (3.23.2)
       activesupport (>= 5.2.0, < 8.1)
-      concurrent-ruby (= 1.3.4)
+      concurrent-ruby (~> 1)
       method_source (~> 1.0)
     web-console (4.2.1)
       actionview (>= 6.0.0)
@@ -564,7 +599,7 @@ GEM
       crack (>= 0.3.2)
       hashdiff (>= 0.4.0, < 2.0.0)
     websocket (1.2.11)
-    websocket-driver (0.7.7)
+    websocket-driver (0.8.0)
       base64
       websocket-extensions (>= 0.1.0)
     websocket-extensions (0.1.5)
@@ -596,6 +631,8 @@ DEPENDENCIES
   climate_control
   csv
   debug
+  derailed_benchmarks
+  doorkeeper
   dotenv-rails
   erb_lint
   faker
@@ -610,10 +647,11 @@ DEPENDENCIES
   importmap-rails
   inline_svg
   intercom-rails
+  jbuilder
   jwt
   letter_opener
   logtail-rails
-  lookbook (>= 2.3.7)
+  lookbook (= 2.3.11)
   lucide-rails!
   mocha
   octokit
@@ -623,6 +661,7 @@ DEPENDENCIES
   plaid
   propshaft
   puma (>= 5.0)
+  rack-attack (~> 6.6)
   rack-mini-profiler
   rails (~> 7.2.2)
   rails-settings-cached
@@ -633,6 +672,7 @@ DEPENDENCIES
   rubocop-rails-omakase
   ruby-lsp-rails
   ruby-openai
+  rubyzip (~> 2.3)
   selenium-webdriver
   sentry-rails
   sentry-ruby
@@ -641,6 +681,7 @@ DEPENDENCIES
   sidekiq-cron
   simplecov
   skylight
+  stackprof
   stimulus-rails
   stripe
   tailwindcss-rails

README.md

@@ -1,42 +1,21 @@
 
-<img width="1190" alt="maybe_hero" src="https://github.com/user-attachments/assets/13fc5ef4-ce0f-4073-a163-9dbc3eb4c8e5" />
+<img width="1190" alt="maybe_hero" src="https://github.com/user-attachments/assets/5ed08763-a9ee-42b2-a436-e05038fcf573" />
 
 # Maybe: The personal finance app for everyone
 
-<b>Get
-involved: [Discord](https://link.maybe.co/discord) • [Website](https://maybefinance.com) • [Issues](https://github.com/maybe-finance/maybe/issues)</b>
-
-## Backstory
-
-We spent the better part of 2021/2022 building a personal finance + wealth
-management app called, Maybe. Very full-featured, including an "Ask an Advisor"
-feature which connected users with an actual CFP/CFA to help them with their
-finances (all included in your subscription).
-
-The business end of things didn't work out, and so we shut things down mid-2023.
-
-We spent the better part of $1,000,000 building the app (employees +
-contractors, data providers/services, infrastructure, etc.).
-
-We're now reviving the product as a fully open-source project. The goal is to
-let you run the app yourself, for free, and use it to manage your own finances
-and eventually offer a hosted version of the app for a small monthly fee.
+> [!IMPORTANT]
+> This repository is no longer actively maintained. You can read more about this in our [final release](https://github.com/maybe-finance/maybe/releases/tag/v0.6.0).
 
 ## Maybe Hosting
 
-There are 2 primary ways to use the Maybe app:
+Maybe is a fully working personal finance app that can be [self hosted with Docker](docs/hosting/docker.md).
 
-1. Managed (easiest) - we're in alpha and release invites in our Discord
-2. [Self-host with Docker](docs/hosting/docker.md)
+## Forking and Attribution
 
-## Contributing
+This repo is no longer maintained. You’re free to fork it under the AGPLv3. To stay compliant and avoid trademark issues:
 
-Before contributing, you'll likely find it helpful
-to [understand context and general vision/direction](https://github.com/maybe-finance/maybe/wiki).
-
-Once you've done that, please visit
-our [contributing guide](https://github.com/maybe-finance/maybe/blob/main/CONTRIBUTING.md)
-to get started!
+- Be sure to include the original [AGPLv3 license](https://github.com/maybe-finance/maybe/blob/main/LICENSE) and clearly state in your README that your fork is based on Maybe Finance but is **not affiliated with or endorsed by** Maybe Finance Inc.
+- "Maybe" is a trademark of Maybe Finance Inc. and therefore, use of it is NOT allowed in forked repositories (or the logo)
 
 ## Local Development Setup
 
@@ -59,7 +38,7 @@ bin/setup
 bin/dev
 
 # Optionally, load demo data
-rake demo_data:reset
+rake demo_data:default
 ```
 
 And visit http://localhost:3000 to see the app. You can use the following
@@ -70,14 +49,6 @@ credentials to log in (generated by DB seed):
 
 For further instructions, see guides below.
 
-### Multi-currency support
-
-If you'd like multi-currency support, there are a few extra steps to follow.
-
-1. Sign up for an API key at [Synth](https://synthfinance.com). It's a Maybe
-   product and the free plan is sufficient for basic multi-currency support.
-2. Add your API key to your `.env` file.
-
 ### Setup Guides
 
 - [Mac dev setup guide](https://github.com/maybe-finance/maybe/wiki/Mac-Dev-Setup-Guide)
@@ -85,10 +56,6 @@ If you'd like multi-currency support, there are a few extra steps to follow.
 - [Windows dev setup guide](https://github.com/maybe-finance/maybe/wiki/Windows-Dev-Setup-Guide)
 - Dev containers - visit [this guide](https://code.visualstudio.com/docs/devcontainers/containers) to learn more
 
-## Repo Activity
-
-![Repo Activity](https://repobeats.axiom.co/api/embed/7866c9790deba0baf63ca1688b209130b306ea4e.svg "Repobeats analytics image")
-
 ## Copyright & license
 
 Maybe is distributed under

app/assets/tailwind/application.css

@@ -39,7 +39,7 @@
 .combobox {
   .hw-combobox__main__wrapper,
   .hw-combobox__input {
-    @apply w-full;
+    @apply bg-container text-primary w-full;
   }
 
   .hw-combobox__main__wrapper {
@@ -53,6 +53,10 @@
   .hw-combobox__label {
     @apply block text-xs text-gray-500 peer-disabled:text-gray-400;
   }
+  
+  .hw-combobox__option {
+    @apply bg-container hover:bg-container-hover;
+  }
 
   .hw_combobox__pagination__wrapper {
     @apply h-px;

app/assets/tailwind/maybe-design-system.css

@@ -334,6 +334,19 @@
     }
   }
 
+  /* New form field structure components */
+  .form-field__header {
+    @apply flex items-center justify-between gap-2;
+  }
+
+  .form-field__body {
+    @apply flex flex-col gap-1;
+  }
+
+  .form-field__actions {
+    @apply flex items-center gap-1;
+  }
+
   .form-field__label {
     @apply block text-xs text-secondary peer-disabled:text-subdued;
   }
@@ -347,10 +360,6 @@
     @apply transition-opacity duration-300;
     @apply placeholder:text-subdued;
 
-    &select {
-      @apply pr-8;
-    }
-
     @variant theme-dark {
       &::-webkit-calendar-picker-indicator {
         filter: invert(1);
@@ -358,6 +367,14 @@
       }
     }
   }
+  
+  select.form-field__input {
+    @apply pr-10 appearance-none;
+    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3e%3cpath stroke='%236b7280' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3e%3c/svg%3e");
+    background-position: right -0.15rem center;
+    background-repeat: no-repeat;
+    background-size: 1.25rem 1.25rem;
+  }
 
   .form-field__radio {
     @apply text-primary;
@@ -425,7 +442,5 @@
     @variant theme-dark {
       fill: var(--color-white);
     }
-
   }
-}
-
+}

app/components/DS/alert.html.erb

@@ -0,0 +1,7 @@
+<div class="<%= container_classes %>">
+  <%= helpers.icon icon_name, size: "sm", color: icon_color, class: "shrink-0" %>
+
+  <div class="flex-1 text-sm">
+    <%= message %>
+  </div>
+</div>

app/components/DS/alert.rb

@@ -0,0 +1,52 @@
+class DS::Alert < DesignSystemComponent
+  def initialize(message:, variant: :info)
+    @message = message
+    @variant = variant
+  end
+
+  private
+    attr_reader :message, :variant
+
+    def container_classes
+      base_classes = "flex items-start gap-3 p-4 rounded-lg border"
+
+      variant_classes = case variant
+      when :info
+        "bg-blue-50 text-blue-700 border-blue-200 theme-dark:bg-blue-900/20 theme-dark:text-blue-400 theme-dark:border-blue-800"
+      when :success
+        "bg-green-50 text-green-700 border-green-200 theme-dark:bg-green-900/20 theme-dark:text-green-400 theme-dark:border-green-800"
+      when :warning
+        "bg-yellow-50 text-yellow-700 border-yellow-200 theme-dark:bg-yellow-900/20 theme-dark:text-yellow-400 theme-dark:border-yellow-800"
+      when :error, :destructive
+        "bg-red-50 text-red-700 border-red-200 theme-dark:bg-red-900/20 theme-dark:text-red-400 theme-dark:border-red-800"
+      end
+
+      "#{base_classes} #{variant_classes}"
+    end
+
+    def icon_name
+      case variant
+      when :info
+        "info"
+      when :success
+        "check-circle"
+      when :warning
+        "alert-triangle"
+      when :error, :destructive
+        "x-circle"
+      end
+    end
+
+    def icon_color
+      case variant
+      when :success
+        "success"
+      when :warning
+        "warning"
+      when :error, :destructive
+        "destructive"
+      else
+        "blue-600"
+      end
+    end
+end

app/components/DS/button.html.erb

@@ -1,6 +1,6 @@
 <%= container do %>
   <% if icon && (icon_position != :right) %>
-    <%= helpers.icon(icon, size: size, color: icon_color) %>
+    <%= helpers.icon(icon, size: size, color: icon_color, class: icon_classes) %>
   <% end %>
 
   <% unless icon_only? %>

app/components/DS/button.rb

@@ -2,7 +2,7 @@
 
 # An extension to `button_to` helper.  All options are passed through to the `button_to` helper with some additional
 # options available.
-class ButtonComponent < ButtonishComponent
+class DS::Button < DS::Buttonish
   attr_reader :confirm
 
   def initialize(confirm: nil, **opts)

app/components/DS/buttonish.rb

@@ -1,11 +1,11 @@
-class ButtonishComponent < ViewComponent::Base
+class DS::Buttonish < DesignSystemComponent
   VARIANTS = {
     primary: {
       container_classes: "text-inverse bg-inverse hover:bg-inverse-hover disabled:bg-gray-500 theme-dark:disabled:bg-gray-400",
       icon_classes: "fg-inverse"
     },
     secondary: {
-      container_classes: "text-secondary bg-gray-50 theme-dark:bg-gray-700 hover:bg-gray-100 theme-dark:hover:bg-gray-600 disabled:bg-gray-200 theme-dark:disabled:bg-gray-600",
+      container_classes: "text-primary bg-gray-50 theme-dark:bg-gray-700 hover:bg-gray-100 theme-dark:hover:bg-gray-600 disabled:bg-gray-200 theme-dark:disabled:bg-gray-600",
       icon_classes: "fg-primary"
     },
     destructive: {
@@ -71,7 +71,7 @@ class ButtonishComponent < ViewComponent::Base
   end
 
   def call
-    raise NotImplementedError, "ButtonishComponent is an abstract class and cannot be instantiated directly."
+    raise NotImplementedError, "Buttonish is an abstract class and cannot be instantiated directly."
   end
 
   def container_classes(override_classes = nil)

app/components/DS/dialog.html.erb

@@ -1,7 +1,7 @@
 <%= wrapper_element do %>
   <%= tag.dialog class: "w-full h-full bg-transparent theme-dark:backdrop:bg-alpha-black-900 backdrop:bg-overlay #{drawer? ? "lg:p-3" : "lg:p-1"}", **merged_opts do %>
     <%= tag.div class: dialog_outer_classes do %>
-      <%= tag.div class: dialog_inner_classes, data: { dialog_target: "content" } do %>
+      <%= tag.div class: dialog_inner_classes, data: { DS__dialog_target: "content" } do %>
         <div class="grow overflow-y-auto py-4 space-y-4 flex flex-col">
           <% if header? %>
             <%= header %>

app/components/DS/dialog.rb

@@ -1,9 +1,9 @@
-class DialogComponent < ViewComponent::Base
+class DS::Dialog < DesignSystemComponent
   renders_one :header, ->(title: nil, subtitle: nil, hide_close_icon: false, **opts, &block) do
     content_tag(:header, class: "px-4 flex flex-col gap-2", **opts) do
       title_div = content_tag(:div, class: "flex items-center justify-between gap-2") do
         title = content_tag(:h2, title, class: class_names("font-medium text-primary", drawer? ? "text-lg" : "")) if title
-        close_icon = render ButtonComponent.new(variant: "icon", class: "ml-auto", icon: "x", tabindex: "-1", data: { action: "dialog#close" }) unless hide_close_icon
+        close_icon = render DS::Button.new(variant: "icon", class: "ml-auto", icon: "x", tabindex: "-1", data: { action: "DS--dialog#close" }) unless hide_close_icon
         safe_join([ title, close_icon ].compact)
       end
 
@@ -19,16 +19,16 @@ class DialogComponent < ViewComponent::Base
 
   renders_many :actions, ->(cancel_action: false, **button_opts) do
     merged_opts = if cancel_action
-      button_opts.merge(type: "button", data: { action: "modal#close" })
+      button_opts.merge(type: "button", data: { action: "DS--dialog#close" })
     else
       button_opts
     end
 
-    render ButtonComponent.new(**merged_opts)
+    render DS::Button.new(**merged_opts)
   end
 
   renders_many :sections, ->(title:, **disclosure_opts, &block) do
-    render DisclosureComponent.new(title: title, align: :right, **disclosure_opts) do
+    render DS::Disclosure.new(title: title, align: :right, **disclosure_opts) do
       block.call
     end
   end
@@ -99,11 +99,11 @@ class DialogComponent < ViewComponent::Base
     merged_opts = opts.dup
     data = merged_opts.delete(:data) || {}
 
-    data[:controller] = [ "dialog", "hotkey", data[:controller] ].compact.join(" ")
-    data[:dialog_auto_open_value] = auto_open
-    data[:dialog_reload_on_close_value] = reload_on_close
-    data[:action] = [ "mousedown->dialog#clickOutside", data[:action] ].compact.join(" ")
-    data[:hotkey] = "esc:dialog#close"
+    data[:controller] = [ "DS--dialog", "hotkey", data[:controller] ].compact.join(" ")
+    data[:DS__dialog_auto_open_value] = auto_open
+    data[:DS__dialog_reload_on_close_value] = reload_on_close
+    data[:action] = [ "mousedown->DS--dialog#clickOutside", data[:action] ].compact.join(" ")
+    data[:hotkey] = "esc:DS--dialog#close"
     merged_opts[:data] = data
 
     merged_opts

app/components/DS/disclosure.html.erb

@@ -0,0 +1,27 @@
+<details class="group" <%= "open" if open %>>
+  <%= tag.summary class: class_names(
+    "px-3 py-2 rounded-xl cursor-pointer flex items-center justify-between bg-surface"
+  ) do %>
+    <% if summary_content? %>
+      <%= summary_content %>
+    <% else %>
+      <div class="flex items-center gap-3">
+        <% if align == :left %>
+          <%= helpers.icon "chevron-right", class: "group-open:transform group-open:rotate-90" %>
+        <% end %>
+
+        <%= tag.span class: class_names("font-medium", align == :left ? "text-sm text-primary" : "text-xs uppercase text-secondary") do %>
+          <%= title %>
+        <% end %>
+      </div>
+
+      <% if align == :right %>
+        <%= helpers.icon "chevron-down", class: "group-open:transform group-open:rotate-180" %>
+      <% end %>
+    <% end %>
+  <% end %>
+
+  <div class="mt-2">
+    <%= content %>
+  </div>
+</details>

app/components/DS/disclosure.rb

@@ -1,9 +1,9 @@
-class DisclosureComponent < ViewComponent::Base
+class DS::Disclosure < DesignSystemComponent
   renders_one :summary_content
 
   attr_reader :title, :align, :open, :opts
 
-  def initialize(title:, align: "right", open: false, **opts)
+  def initialize(title: nil, align: "right", open: false, **opts)
     @title = title
     @align = align.to_sym
     @open = open

app/components/DS/filled_icon.rb

@@ -1,4 +1,4 @@
-class FilledIconComponent < ViewComponent::Base
+class DS::FilledIcon < DesignSystemComponent
   attr_reader :icon, :text, :hex_color, :size, :rounded, :variant
 
   VARIANTS = %i[default text surface container inverse].freeze

app/components/DS/link.html.erb

@@ -1,7 +1,6 @@
 <%= link_to href, **merged_opts do %>
   <% if icon && (icon_position != "right") %>
     <%= helpers.icon(icon, size: size, color: icon_color) %>
-
   <% end %>
 
   <% unless icon_only? %>
@@ -10,6 +9,5 @@
 
   <% if icon && icon_position == "right" %>
     <%= helpers.icon(icon, size: size, color: icon_color) %>
-
   <% end %>
 <% end %>

app/components/DS/link.rb

@@ -1,6 +1,6 @@
 # An extension to `link_to` helper.  All options are passed through to the `link_to` helper with some additional
 # options available.
-class LinkComponent < ButtonishComponent
+class DS::Link < DS::Buttonish
   attr_reader :frame
 
   VARIANTS = VARIANTS.reverse_merge(

app/components/DS/menu.html.erb

@@ -1,17 +1,17 @@
-<%= tag.div data: { controller: "menu", menu_placement_value: placement, menu_offset_value: offset, testid: testid } do %>
+<%= tag.div data: { controller: "DS--menu", DS__menu_placement_value: placement, DS__menu_offset_value: offset, testid: testid } do %>
   <% if variant == :icon %>
-    <%= render ButtonComponent.new(variant: "icon", icon: icon_vertical ? "more-vertical" : "more-horizontal", data: { menu_target: "button" }) %>
+    <%= render DS::Button.new(variant: "icon", icon: icon_vertical ? "more-vertical" : "more-horizontal", data: { DS__menu_target: "button" }) %>
   <% elsif variant == :button %>
     <%= button %>
   <% elsif variant == :avatar %>
-    <button data-menu-target="button">
+    <button data-DS--menu-target="button">
       <div class="w-9 h-9 cursor-pointer">
         <%= render "settings/user_avatar", avatar_url: avatar_url, initials: initials %>
       </div>
     </button>
   <% end %>
 
-  <div data-menu-target="content" class="px-2 lg:px-0 max-w-full hidden z-50">
+  <div data-DS--menu-target="content" class="px-2 lg:px-0 max-w-full hidden z-50">
     <div class="mx-auto min-w-[200px] shadow-border-xs bg-container rounded-lg">
       <%= header %>
 

app/components/DS/menu.rb

@@ -1,15 +1,15 @@
 # frozen_string_literal: true
 
-class MenuComponent < ViewComponent::Base
+class DS::Menu < DesignSystemComponent
   attr_reader :variant, :avatar_url, :initials, :placement, :offset, :icon_vertical, :no_padding, :testid
 
   renders_one :button, ->(**button_options, &block) do
-    options_with_target = button_options.merge(data: { menu_target: "button" })
+    options_with_target = button_options.merge(data: { DS__menu_target: "button" })
 
     if block
       content_tag(:button, **options_with_target, &block)
     else
-      ButtonComponent.new(**options_with_target)
+      DS::Button.new(**options_with_target)
     end
   end
 
@@ -19,7 +19,7 @@ class MenuComponent < ViewComponent::Base
 
   renders_one :custom_content
 
-  renders_many :items, MenuItemComponent
+  renders_many :items, DS::MenuItem
 
   VARIANTS = %i[icon button avatar].freeze
 

app/components/DS/menu_item.rb

@@ -1,4 +1,4 @@
-class MenuItemComponent < ViewComponent::Base
+class DS::MenuItem < DesignSystemComponent
   VARIANTS = %i[link button divider].freeze
 
   attr_reader :variant, :text, :icon, :href, :method, :destructive, :confirm, :frame, :opts

app/components/DS/tab.rb

@@ -1,4 +1,4 @@
-class TabComponent < ViewComponent::Base
+class DS::Tab < DesignSystemComponent
   attr_reader :id, :label
 
   def initialize(id:, label:)

app/components/DS/tabs.html.erb

@@ -0,0 +1,18 @@
+<%= tag.div data: {
+  controller: "DS--tabs",
+  testid: testid,
+  DS__tabs_session_key_value: session_key,
+  DS__tabs_url_param_key_value: url_param_key,
+  DS__tabs_nav_btn_active_class: active_btn_classes,
+  DS__tabs_nav_btn_inactive_class: inactive_btn_classes
+} do %>
+  <% if unstyled? %>
+    <%= content %>
+  <% else %>
+    <%= nav %>
+
+    <% panels.each do |panel| %>
+      <%= panel %>
+    <% end %>
+  <% end %>
+<% end %>

app/components/DS/tabs.rb

@@ -1,6 +1,6 @@
-class TabsComponent < ViewComponent::Base
+class DS::Tabs < DesignSystemComponent
   renders_one :nav, ->(classes: nil) do
-    Tabs::NavComponent.new(
+    DS::Tabs::Nav.new(
       active_tab: active_tab,
       active_btn_classes: active_btn_classes,
       inactive_btn_classes: inactive_btn_classes,
@@ -13,7 +13,7 @@ class TabsComponent < ViewComponent::Base
     content_tag(
       :div,
       class: ("hidden" unless tab_id == active_tab),
-      data: { id: tab_id, tabs_target: "panel" },
+      data: { id: tab_id, DS__tabs_target: "panel" },
       &block
     )
   end

app/components/DS/tabs/nav.rb

@@ -1,4 +1,4 @@
-class Tabs::NavComponent < ViewComponent::Base
+class DS::Tabs::Nav < DesignSystemComponent
   erb_template <<~ERB
     <%= tag.nav class: classes do %>
       <% btns.each  do |btn| %>
@@ -12,7 +12,7 @@ class Tabs::NavComponent < ViewComponent::Base
       :button, label, id: id,
       type: "button",
       class: class_names(btn_classes, id == active_tab ? active_btn_classes : inactive_btn_classes, classes),
-      data: { id: id, action: "tabs#show", tabs_target: "navBtn" },
+      data: { id: id, action: "DS--tabs#show", DS__tabs_target: "navBtn" },
       &block
     )
   end

app/components/DS/tabs/panel.rb

@@ -1,4 +1,4 @@
-class Tabs::PanelComponent < ViewComponent::Base
+class DS::Tabs::Panel < DesignSystemComponent
   attr_reader :tab_id
 
   def initialize(tab_id:)

app/components/DS/toggle.rb

@@ -1,4 +1,4 @@
-class ToggleComponent < ViewComponent::Base
+class DS::Toggle < DesignSystemComponent
   attr_reader :id, :name, :checked, :disabled, :checked_value, :unchecked_value, :opts
 
   def initialize(id:, name: nil, checked: false, disabled: false, checked_value: "1", unchecked_value: "0", **opts)

app/components/DS/tooltip.html.erb

@@ -0,0 +1,9 @@
+<span data-controller="DS--tooltip" data-DS--tooltip-placement-value="<%= placement %>" data-DS--tooltip-offset-value="<%= offset %>" data-DS--tooltip-cross-axis-value="<%= cross_axis %>" class="inline-flex">
+  <%= helpers.icon icon_name, size: size, color: color %>
+
+  <div role="tooltip" data-DS--tooltip-target="tooltip" class="hidden absolute z-50 bg-gray-700 text-sm px-1.5 py-1 rounded-md">
+    <div class="fg-inverse font-normal max-w-[200px]">
+      <%= tooltip_content %>
+    </div>
+  </div>
+</span>

app/components/DS/tooltip.rb

@@ -0,0 +1,17 @@
+class DS::Tooltip < ApplicationComponent
+  attr_reader :placement, :offset, :cross_axis, :icon_name, :size, :color
+
+  def initialize(text: nil, placement: "top", offset: 10, cross_axis: 0, icon: "info", size: "sm", color: "default")
+    @text = text
+    @placement = placement
+    @offset = offset
+    @cross_axis = cross_axis
+    @icon_name = icon
+    @size = size
+    @color = color
+  end
+
+  def tooltip_content
+    content? ? content : @text
+  end
+end

app/components/DS/tooltip_controller.js

@@ -0,0 +1,87 @@
+import {
+  autoUpdate,
+  computePosition,
+  flip,
+  offset,
+  shift,
+} from "@floating-ui/dom";
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["tooltip"];
+  static values = {
+    placement: { type: String, default: "top" },
+    offset: { type: Number, default: 10 },
+    crossAxis: { type: Number, default: 0 },
+  };
+
+  connect() {
+    this._cleanup = null;
+    this.boundUpdate = this.update.bind(this);
+    this.addEventListeners();
+  }
+
+  disconnect() {
+    this.removeEventListeners();
+    this.stopAutoUpdate();
+  }
+
+  addEventListeners() {
+    this.element.addEventListener("mouseenter", this.show);
+    this.element.addEventListener("mouseleave", this.hide);
+  }
+
+  removeEventListeners() {
+    this.element.removeEventListener("mouseenter", this.show);
+    this.element.removeEventListener("mouseleave", this.hide);
+  }
+
+  show = () => {
+    this.tooltipTarget.classList.remove("hidden");
+    this.startAutoUpdate();
+    this.update();
+  };
+
+  hide = () => {
+    this.tooltipTarget.classList.add("hidden");
+    this.stopAutoUpdate();
+  };
+
+  startAutoUpdate() {
+    if (!this._cleanup) {
+      const reference = this.element.querySelector("[data-icon]");
+      this._cleanup = autoUpdate(
+        reference || this.element,
+        this.tooltipTarget,
+        this.boundUpdate
+      );
+    }
+  }
+
+  stopAutoUpdate() {
+    if (this._cleanup) {
+      this._cleanup();
+      this._cleanup = null;
+    }
+  }
+
+  update() {
+    const reference = this.element.querySelector("[data-icon]");
+    computePosition(reference || this.element, this.tooltipTarget, {
+      placement: this.placementValue,
+      middleware: [
+        offset({
+          mainAxis: this.offsetValue,
+          crossAxis: this.crossAxisValue,
+        }),
+        flip(),
+        shift({ padding: 5 }),
+      ],
+    }).then(({ x, y }) => {
+      Object.assign(this.tooltipTarget.style, {
+        left: `${x}px`,
+        top: `${y}px`,
+      });
+    });
+  }
+}

app/components/UI/account/activity_date.html.erb

@@ -0,0 +1,42 @@
+<%= tag.div id: id, data: { bulk_select_target: "group" }, class: "bg-container-inset rounded-xl p-1 w-full" do %>
+  <details class="group">
+    <summary>
+      <div class="py-2 px-4 flex items-center justify-between font-medium text-xs text-secondary">
+        <div class="flex pl-0.5 items-center gap-4">
+          <%= check_box_tag "#{date}_entries_selection",
+                          class: ["checkbox checkbox--light", "hidden": entries.size == 0],
+                          id: "selection_entry_#{date}",
+                          data: { action: "bulk-select#toggleGroupSelection" } %>
+
+          <p class="uppercase space-x-1.5">
+            <%= tag.span I18n.l(date, format: :long) %>
+            <span>&middot;</span>
+            <%= tag.span entries.size %>
+          </p>
+        </div>
+
+        <div class="flex items-center gap-4">
+          <div class="flex items-center gap-2">
+            <span class="font-medium"><%= end_balance_money.format %></span>
+            <%= render DS::Tooltip.new(text: "The end of day balance, after all transactions and adjustments", placement: "left", size: "sm") %>
+          </div>
+          <%= helpers.icon "chevron-down", class: "group-open:rotate-180" %>
+        </div>
+      </div>
+    </summary>
+
+    <div class="p-4">
+      <% if balance %>
+        <%= render UI::Account::BalanceReconciliation.new(balance: balance, account: account) %>
+      <% else %>
+        <p class="text-sm text-secondary">No balance data available for this date</p>
+      <% end %>
+    </div>
+  </details>
+
+  <div class="bg-container shadow-border-xs rounded-lg">
+    <% entries.each do |entry| %>
+      <%= render entry, view_ctx: "account" %>
+    <% end %>
+  </div>
+<% end %>

app/components/UI/account/activity_date.rb

@@ -0,0 +1,31 @@
+class UI::Account::ActivityDate < ApplicationComponent
+  attr_reader :account, :data
+
+  delegate :date, :entries, :balance, :transfers, to: :data
+
+  def initialize(account:, data:)
+    @account = account
+    @data = data
+  end
+
+  def id
+    dom_id(account, "entries_#{date}")
+  end
+
+  def broadcast_channel
+    account
+  end
+
+  def end_balance_money
+    balance&.end_balance_money || Money.new(0, account.currency)
+  end
+
+  def broadcast_refresh!
+    Turbo::StreamsChannel.broadcast_replace_to(
+      broadcast_channel,
+      target: id,
+      renderable: self,
+      layout: false
+    )
+  end
+end

app/components/UI/account/activity_feed.html.erb

@@ -0,0 +1,94 @@
+<%= turbo_frame_tag dom_id(account, "entries") do %>
+  <div class="bg-container p-5 shadow-border-xs rounded-xl">
+    <div class="flex items-center justify-between mb-4" data-testid="activity-menu">
+      <%= tag.h2 "Activity", class: "font-medium text-lg" %>
+
+      <% if account.manual? %>
+        <%= render DS::Menu.new(variant: "button") do |menu| %>
+          <% menu.with_button(text: "New", variant: "secondary", icon: "plus") %>
+
+          <% menu.with_item(
+              variant: "link",
+              text: "New balance",
+              icon: "circle-dollar-sign",
+              href: new_valuation_path(account_id: account.id),
+              data: { turbo_frame: :modal }) %>
+
+          <% unless account.crypto? %>
+            <% menu.with_item(
+                variant: "link",
+                text: "New transaction",
+                icon: "credit-card",
+                href: account.investment? ? new_trade_path(account_id: account.id) : new_transaction_path(account_id: account.id),
+                data: { turbo_frame: :modal }) %>
+          <% end %>
+        <% end %>
+      <% end %>
+    </div>
+
+    <div>
+      <%= form_with url: account_path(account),
+              id: "entries-search",
+              scope: :q,
+              method: :get,
+              data: { controller: "auto-submit-form" } do |form| %>
+        <div class="flex gap-2 mb-4">
+          <div class="grow">
+            <div class="flex items-center px-3 py-2 gap-2 border border-secondary rounded-lg focus-within:ring-gray-100 focus-within:border-gray-900">
+              <%= helpers.icon("search") %>
+
+              <%= hidden_field_tag :account_id, account.id %>
+
+              <%= form.search_field :search,
+                            placeholder: "Search entries by name",
+                            value: search,
+                            class: "form-field__input placeholder:text-sm placeholder:text-secondary",
+                            "data-auto-submit-form-target": "auto" %>
+            </div>
+          </div>
+        </div>
+      <% end %>
+    </div>
+
+    <% if activity_dates.empty? %>
+      <p class="text-secondary text-sm p-4">No entries yet</p>
+    <% else %>
+      <%= tag.div id: dom_id(account, "entries_bulk_select"),
+                data: {
+                  controller: "bulk-select",
+                  bulk_select_singular_label_value: "entry",
+                  bulk_select_plural_label_value: "entries"
+                } do %>
+        <div id="entry-selection-bar" data-bulk-select-target="selectionBar" class="flex justify-center hidden">
+          <%= render "entries/selection_bar" %>
+        </div>
+
+        <div class="grid bg-container-inset rounded-xl grid-cols-12 items-center uppercase text-xs font-medium text-secondary px-5 py-3 mb-4">
+          <div class="pl-0.5 col-span-8 flex items-center gap-4">
+            <%= check_box_tag "selection_entry",
+                              class: "checkbox checkbox--light",
+                              data: { action: "bulk-select#togglePageSelection" } %>
+            <p>Date</p>
+          </div>
+
+          <%= tag.p "Amount", class: "col-span-4 justify-self-end" %>
+        </div>
+
+        <div>
+          <div class="space-y-4">
+            <% activity_dates.each do |activity_date_data| %>
+              <%= render UI::Account::ActivityDate.new(
+                    account: account,
+                    data: activity_date_data
+                  ) %>
+            <% end %>
+          </div>
+
+          <div class="p-4 bg-container rounded-bl-lg rounded-br-lg">
+            <%= render "shared/pagination", pagy: pagy %>
+          </div>
+        </div>
+      <% end %>
+    <% end %>
+  </div>
+<% end %>

app/components/UI/account/activity_feed.rb

@@ -0,0 +1,35 @@
+class UI::Account::ActivityFeed < ApplicationComponent
+  attr_reader :feed_data, :pagy, :search
+
+  def initialize(feed_data:, pagy:, search: nil)
+    @feed_data = feed_data
+    @pagy = pagy
+    @search = search
+  end
+
+  def id
+    dom_id(account, :activity_feed)
+  end
+
+  def broadcast_channel
+    account
+  end
+
+  def broadcast_refresh!
+    Turbo::StreamsChannel.broadcast_replace_to(
+      broadcast_channel,
+      target: id,
+      renderable: self,
+      layout: false
+    )
+  end
+
+  def activity_dates
+    feed_data.entries_by_date
+  end
+
+  private
+    def account
+      feed_data.account
+    end
+end

app/components/UI/account/balance_reconciliation.html.erb

@@ -0,0 +1,22 @@
+<div class="space-y-3">
+  <% reconciliation_items.each_with_index do |item, index| %>
+    <% if item[:style] == :subtotal %>
+      <hr class="border border-primary">
+    <% end %>
+
+    <dl class="flex gap-4 items-center text-sm text-primary">
+      <dt class="flex items-center gap-2">
+        <%= item[:label] %>
+        <%= render DS::Tooltip.new(text: item[:tooltip], placement: "left", size: "sm") %>
+      </dt>
+      <hr class="grow border-dashed <%= item[:style] == :final ? "border-primary" : "border-secondary" %>">
+      <dd class="<%= item[:style] == :start || item[:style] == :final ? "font-bold" : item[:style] == :subtotal ? "font-medium" : "" %>">
+        <%= item[:value].format %>
+      </dd>
+    </dl>
+
+    <% if item[:style] == :adjustment %>
+      <hr class="border border-primary">
+    <% end %>
+  <% end %>
+</div>

app/components/UI/account/balance_reconciliation.rb

@@ -0,0 +1,155 @@
+class UI::Account::BalanceReconciliation < ApplicationComponent
+  attr_reader :balance, :account
+
+  def initialize(balance:, account:)
+    @balance = balance
+    @account = account
+  end
+
+  def reconciliation_items
+    case account.accountable_type
+    when "Depository", "OtherAsset", "OtherLiability"
+      default_items
+    when "CreditCard"
+      credit_card_items
+    when "Investment"
+      investment_items
+    when "Loan"
+      loan_items
+    when "Property", "Vehicle"
+      asset_items
+    when "Crypto"
+      crypto_items
+    else
+      default_items
+    end
+  end
+
+  private
+
+    def default_items
+      items = [
+        { label: "Start balance", value: balance.start_balance_money, tooltip: "The account balance at the beginning of this day", style: :start },
+        { label: "Net cash flow", value: net_cash_flow, tooltip: "Net change in balance from all transactions during the day", style: :flow }
+      ]
+
+      if has_adjustments?
+        items << { label: "End balance", value: end_balance_before_adjustments, tooltip: "The calculated balance after all transactions", style: :subtotal }
+        items << { label: "Adjustments", value: total_adjustments, tooltip: "Manual reconciliations or other adjustments", style: :adjustment }
+      end
+
+      items << { label: "Final balance", value: balance.end_balance_money, tooltip: "The final account balance for the day", style: :final }
+      items
+    end
+
+    def credit_card_items
+      items = [
+        { label: "Start balance", value: balance.start_balance_money, tooltip: "The balance owed at the beginning of this day", style: :start },
+        { label: "Charges", value: balance.cash_outflows_money, tooltip: "New charges made during the day", style: :flow },
+        { label: "Payments", value: balance.cash_inflows_money * -1, tooltip: "Payments made to the card during the day", style: :flow }
+      ]
+
+      if has_adjustments?
+        items << { label: "End balance", value: end_balance_before_adjustments, tooltip: "The calculated balance after all transactions", style: :subtotal }
+        items << { label: "Adjustments", value: total_adjustments, tooltip: "Manual reconciliations or other adjustments", style: :adjustment }
+      end
+
+      items << { label: "Final balance", value: balance.end_balance_money, tooltip: "The final balance owed for the day", style: :final }
+      items
+    end
+
+    def investment_items
+      items = [
+        { label: "Start balance", value: balance.start_balance_money, tooltip: "The total portfolio value at the beginning of this day", style: :start }
+      ]
+
+      # Change in brokerage cash (includes deposits, withdrawals, and cash from trades)
+      items << { label: "Change in brokerage cash", value: net_cash_flow, tooltip: "Net change in cash from deposits, withdrawals, and trades", style: :flow }
+
+      # Change in holdings from trading activity
+      items << { label: "Change in holdings (buys/sells)", value: net_non_cash_flow, tooltip: "Impact on holdings from buying and selling securities", style: :flow }
+
+      # Market price changes
+      items << { label: "Change in holdings (market price activity)", value: balance.net_market_flows_money, tooltip: "Change in holdings value from market price movements", style: :flow }
+
+      if has_adjustments?
+        items << { label: "End balance", value: end_balance_before_adjustments, tooltip: "The calculated balance after all activity", style: :subtotal }
+        items << { label: "Adjustments", value: total_adjustments, tooltip: "Manual reconciliations or other adjustments", style: :adjustment }
+      end
+
+      items << { label: "Final balance", value: balance.end_balance_money, tooltip: "The final portfolio value for the day", style: :final }
+      items
+    end
+
+    def loan_items
+      items = [
+        { label: "Start principal", value: balance.start_balance_money, tooltip: "The principal balance at the beginning of this day", style: :start },
+        { label: "Net principal change", value: net_non_cash_flow, tooltip: "Principal payments and new borrowing during the day", style: :flow }
+      ]
+
+      if has_adjustments?
+        items << { label: "End principal", value: end_balance_before_adjustments, tooltip: "The calculated principal after all transactions", style: :subtotal }
+        items << { label: "Adjustments", value: balance.non_cash_adjustments_money, tooltip: "Manual reconciliations or other adjustments", style: :adjustment }
+      end
+
+      items << { label: "Final principal", value: balance.end_balance_money, tooltip: "The final principal balance for the day", style: :final }
+      items
+    end
+
+    def asset_items # Property/Vehicle
+      items = [
+        { label: "Start value", value: balance.start_balance_money, tooltip: "The asset value at the beginning of this day", style: :start },
+        { label: "Net value change", value: net_total_flow, tooltip: "All value changes including improvements and depreciation", style: :flow }
+      ]
+
+      if has_adjustments?
+        items << { label: "End value", value: end_balance_before_adjustments, tooltip: "The calculated value after all changes", style: :subtotal }
+        items << { label: "Adjustments", value: total_adjustments, tooltip: "Manual value adjustments or appraisals", style: :adjustment }
+      end
+
+      items << { label: "Final value", value: balance.end_balance_money, tooltip: "The final asset value for the day", style: :final }
+      items
+    end
+
+    def crypto_items
+      items = [
+        { label: "Start balance", value: balance.start_balance_money, tooltip: "The crypto holdings value at the beginning of this day", style: :start }
+      ]
+
+      items << { label: "Buys", value: balance.cash_outflows_money * -1, tooltip: "Crypto purchases during the day", style: :flow } if balance.cash_outflows != 0
+      items << { label: "Sells", value: balance.cash_inflows_money, tooltip: "Crypto sales during the day", style: :flow } if balance.cash_inflows != 0
+      items << { label: "Market changes", value: balance.net_market_flows_money, tooltip: "Value changes from market price movements", style: :flow } if balance.net_market_flows != 0
+
+      if has_adjustments?
+        items << { label: "End balance", value: end_balance_before_adjustments, tooltip: "The calculated balance after all activity", style: :subtotal }
+        items << { label: "Adjustments", value: total_adjustments, tooltip: "Manual reconciliations or other adjustments", style: :adjustment }
+      end
+
+      items << { label: "Final balance", value: balance.end_balance_money, tooltip: "The final crypto holdings value for the day", style: :final }
+      items
+    end
+
+    def net_cash_flow
+      balance.cash_inflows_money - balance.cash_outflows_money
+    end
+
+    def net_non_cash_flow
+      balance.non_cash_inflows_money - balance.non_cash_outflows_money
+    end
+
+    def net_total_flow
+      net_cash_flow + net_non_cash_flow + balance.net_market_flows_money
+    end
+
+    def total_adjustments
+      balance.cash_adjustments_money + balance.non_cash_adjustments_money
+    end
+
+    def has_adjustments?
+      balance.cash_adjustments != 0 || balance.non_cash_adjustments != 0
+    end
+
+    def end_balance_before_adjustments
+      balance.end_balance_money - total_adjustments
+    end
+end

app/components/UI/account/chart.html.erb

@@ -0,0 +1,58 @@
+<div id="<%= dom_id(account, :chart) %>" class="bg-container shadow-border-xs rounded-xl space-y-2">
+  <div class="flex justify-between flex-col-reverse lg:flex-row gap-2 px-4 pt-4 mb-2">
+    <div class="space-y-2 w-full">
+      <div class="flex items-center gap-1">
+        <%= tag.p title, class: "text-sm font-medium text-secondary" %>
+
+        <% if account.investment? %>
+          <%= render "investments/value_tooltip", balance: account.balance_money, holdings: holdings_value_money, cash: account.cash_balance_money %>
+        <% end %>
+      </div>
+      <div class="flex flex-row gap-2 items-baseline">
+        <%= tag.p view_balance_money.format, class: "text-primary text-3xl font-medium truncate" %>
+
+        <% if converted_balance_money %>
+          <%= tag.p converted_balance_money.format, class: "text-sm font-medium text-secondary" %>
+        <% end %>
+      </div>
+    </div>
+
+    <%= form_with url: account_path(account), method: :get, data: { controller: "auto-submit-form" } do |form| %>
+      <div class="flex items-center gap-2">
+        <% if account.investment? %>
+          <%= form.select :chart_view,
+            [["Total value", "balance"], ["Holdings", "holdings_balance"], ["Cash", "cash_balance"]],
+            { selected: view },
+            class: "bg-container border border-secondary rounded-lg text-sm pr-7 cursor-pointer text-primary focus:outline-hidden focus:ring-0",
+            data: { "auto-submit-form-target": "auto" } %>
+        <% end %>
+
+        <%= form.select :period,
+                    Period.as_options,
+                    { selected: period.key },
+                    data: { "auto-submit-form-target": "auto" },
+                    class: "bg-container border border-secondary rounded-lg px-3 py-2 text-sm pr-7 cursor-pointer text-primary focus:outline-hidden focus:ring-0" %>
+      </div>
+    <% end %>
+  </div>
+
+  <%= turbo_frame_tag dom_id(@account, :chart_details) do %>
+    <div class="px-4">
+      <%= render partial: "shared/trend_change", locals: { trend: trend, comparison_label: period.comparison_label } %>
+    </div>
+
+    <div class="h-64 pb-4">
+      <% if series.any? %>
+        <div
+        id="lineChart"
+        class="w-full h-full"
+        data-controller="time-series-chart"
+        data-time-series-chart-data-value="<%= series.to_json %>"></div>
+      <% else %>
+        <div class="w-full h-full flex items-center justify-center">
+          <p class="text-secondary text-sm">No data available</p>
+        </div>
+      <% end %>
+    </div>
+  <% end %>
+</div>

app/components/UI/account/chart.rb

@@ -0,0 +1,72 @@
+class UI::Account::Chart < ApplicationComponent
+  attr_reader :account
+
+  def initialize(account:, period: nil, view: nil)
+    @account = account
+    @period = period
+    @view = view
+  end
+
+  def period
+    @period ||= Period.last_30_days
+  end
+
+  def holdings_value_money
+    account.balance_money - account.cash_balance_money
+  end
+
+  def view_balance_money
+    case view
+    when "balance"
+      account.balance_money
+    when "holdings_balance"
+      holdings_value_money
+    when "cash_balance"
+      account.cash_balance_money
+    end
+  end
+
+  def title
+    case account.accountable_type
+    when "Investment", "Crypto"
+      case view
+      when "balance"
+        "Total account value"
+      when "holdings_balance"
+        "Holdings value"
+      when "cash_balance"
+        "Cash value"
+      end
+    when "Property", "Vehicle"
+      "Estimated #{account.accountable_type.humanize.downcase} value"
+    when "CreditCard", "OtherLiability"
+      "Debt balance"
+    when "Loan"
+      "Remaining principal balance"
+    else
+      "Balance"
+    end
+  end
+
+  def foreign_currency?
+    account.currency != account.family.currency
+  end
+
+  def converted_balance_money
+    return nil unless foreign_currency?
+
+    account.balance_money.exchange_to(account.family.currency, fallback_rate: 1)
+  end
+
+  def view
+    @view ||= "balance"
+  end
+
+  def series
+    account.balance_series(period: period, view: view)
+  end
+
+  def trend
+    series.trend
+  end
+end

app/components/UI/account_page.html.erb

@@ -0,0 +1,29 @@
+<%= turbo_stream_from account %>
+
+<%= turbo_frame_tag id do %>
+  <%= tag.div class: "space-y-4 pb-32" do %>
+    <%= render "accounts/show/header", account: account, title: title, subtitle: subtitle %>
+
+    <%= render UI::Account::Chart.new(account: account, period: chart_period, view: chart_view) %>
+
+    <div class="min-h-[800px]" data-testid="account-details">
+      <% if tabs.count > 1 %>
+        <%= render DS::Tabs.new(active_tab: active_tab, url_param_key: "tab") do |tabs_container| %>
+          <% tabs_container.with_nav(classes: "max-w-fit") do |nav| %>
+            <% tabs.each do |tab| %>
+              <% nav.with_btn(id: tab, label: tab.to_s.humanize, classes: "px-6") %>
+            <% end %>
+          <% end %>
+
+          <% tabs.each do |tab| %>
+            <% tabs_container.with_panel(tab_id: tab) do %>
+              <%= tab_content_for(tab) %>
+            <% end %>
+          <% end %>
+        <% end %>
+      <% else %>
+        <%= tab_content_for(tabs.first) %>
+      <% end %>
+    </div>
+  <% end %>
+<% end %>

app/components/UI/account_page.rb

@@ -0,0 +1,59 @@
+class UI::AccountPage < ApplicationComponent
+  attr_reader :account, :chart_view, :chart_period
+
+  renders_one :activity_feed, ->(feed_data:, pagy:, search:) { UI::Account::ActivityFeed.new(feed_data: feed_data, pagy: pagy, search: search) }
+
+  def initialize(account:, chart_view: nil, chart_period: nil, active_tab: nil)
+    @account = account
+    @chart_view = chart_view
+    @chart_period = chart_period
+    @active_tab = active_tab
+  end
+
+  def id
+    dom_id(account, :container)
+  end
+
+  def broadcast_channel
+    account
+  end
+
+  def broadcast_refresh!
+    Turbo::StreamsChannel.broadcast_replace_to(broadcast_channel, target: id, renderable: self, layout: false)
+  end
+
+  def title
+    account.name
+  end
+
+  def subtitle
+    return nil unless account.property?
+
+    account.property.address
+  end
+
+  def active_tab
+    tabs.find { |tab| tab == @active_tab&.to_sym } || tabs.first
+  end
+
+  def tabs
+    case account.accountable_type
+    when "Investment"
+      [ :activity, :holdings ]
+    when "Property", "Vehicle", "Loan"
+      [ :activity, :overview ]
+    else
+      [ :activity ]
+    end
+  end
+
+  def tab_content_for(tab)
+    case tab
+    when :activity
+      activity_feed
+    when :holdings, :overview
+      # Accountable is responsible for implementing the partial in the correct folder
+      render "#{account.accountable_type.downcase.pluralize}/tabs/#{tab}", account: account
+    end
+  end
+end

app/components/application_component.rb

@@ -0,0 +1,4 @@
+class ApplicationComponent < ViewComponent::Base
+  # These don't work as expected with helpers.turbo_frame_tag, etc., so we include them here
+  include Turbo::FramesHelper, Turbo::StreamsHelper
+end

app/components/design_system_component.rb

@@ -0,0 +1,2 @@
+class DesignSystemComponent < ViewComponent::Base
+end

app/components/disclosure_component.html.erb

@@ -1,25 +0,0 @@
-<details class="group" <%= "open" if open %>>
-  <%= tag.summary class: class_names(
-    "px-3 py-2 rounded-xl cursor-pointer flex items-center justify-between bg-surface"
-  ) do %>
-    <div class="flex items-center gap-3">
-      <% if align == :left %>
-        <%= helpers.icon "chevron-right", class: "group-open:transform group-open:rotate-90" %>
-      <% end %>
-
-      <%= tag.span class: class_names("font-medium", align == :left ? "text-sm text-primary" : "text-xs uppercase text-secondary") do %>
-        <%= title %>
-      <% end %>
-    </div>
-
-    <% if align == :right %>
-      <%= helpers.icon "chevron-down", class: "group-open:transform group-open:rotate-180" %>
-    <% elsif summary_content? %>
-      <%= summary_content %>
-    <% end %>
-  <% end %>
-
-  <div class="mt-2">
-    <%= content %>
-  </div>
-</details>

app/components/tabs_component.html.erb

@@ -1,18 +0,0 @@
-<%= tag.div data: {
-  controller: "tabs",
-  testid: testid,
-  tabs_session_key_value: session_key,
-  tabs_url_param_key_value: url_param_key,
-  tabs_nav_btn_active_class: active_btn_classes,
-  tabs_nav_btn_inactive_class: inactive_btn_classes
-} do %>
-  <% if unstyled? %>
-    <%= content %>
-  <% else %>
-    <%= nav %>
-
-    <% panels.each do |panel| %>
-      <%= panel %>
-    <% end %>
-  <% end %>
-<% end %>

app/controllers/accountable_sparklines_controller.rb

@@ -2,21 +2,24 @@ class AccountableSparklinesController < ApplicationController
   def show
     @accountable = Accountable.from_type(params[:accountable_type]&.classify)
 
-    @series = Rails.cache.fetch(cache_key) do
-      account_ids = family.accounts.active.where(accountable_type: @accountable.name).pluck(:id)
+    etag_key = cache_key
 
-      builder = Balance::ChartSeriesBuilder.new(
-        account_ids: account_ids,
-        currency: family.currency,
-        period: Period.last_30_days,
-        favorable_direction: @accountable.favorable_direction,
-        interval: "1 day"
-      )
+    # Use HTTP conditional GET so the client receives 304 Not Modified when possible.
+    if stale?(etag: etag_key, last_modified: family.latest_sync_completed_at)
+      @series = Rails.cache.fetch(etag_key, expires_in: 24.hours) do
+        builder = Balance::ChartSeriesBuilder.new(
+          account_ids: account_ids,
+          currency: family.currency,
+          period: Period.last_30_days,
+          favorable_direction: @accountable.favorable_direction,
+          interval: "1 day"
+        )
 
-      builder.balance_series
+        builder.balance_series
+      end
+
+      render layout: false
     end
-
-    render layout: false
   end
 
   private
@@ -24,7 +27,15 @@ class AccountableSparklinesController < ApplicationController
       Current.family
     end
 
+    def accountable
+      Accountable.from_type(params[:accountable_type]&.classify)
+    end
+
+    def account_ids
+      family.accounts.visible.where(accountable_type: accountable.name).pluck(:id)
+    end
+
     def cache_key
-      family.build_cache_key("#{@accountable.name}_sparkline")
+      family.build_cache_key("#{@accountable.name}_sparkline", invalidate_on_data_updates: true)
     end
 end

app/controllers/accounts_controller.rb

@@ -1,5 +1,5 @@
 class AccountsController < ApplicationController
-  before_action :set_account, only: %i[sync chart sparkline]
+  before_action :set_account, only: %i[sync sparkline toggle_active show destroy]
   include Periodable
 
   def index
@@ -9,6 +9,22 @@ class AccountsController < ApplicationController
     render layout: "settings"
   end
 
+  def sync_all
+    family.sync_later
+    redirect_to accounts_path, notice: "Syncing accounts..."
+  end
+
+  def show
+    @chart_view = params[:chart_view] || "balance"
+    @tab = params[:tab]
+    @q = params.fetch(:q, {}).permit(:search)
+    entries = @account.entries.search(@q).reverse_chronological
+
+    @pagy, @entries = pagy(entries, limit: params[:per_page] || "10")
+
+    @activity_feed_data = Account::ActivityFeedData.new(@account, @entries)
+  end
+
   def sync
     unless @account.syncing?
       @account.sync_later
@@ -17,13 +33,33 @@ class AccountsController < ApplicationController
     redirect_to account_path(@account)
   end
 
-  def chart
-    @chart_view = params[:chart_view] || "balance"
-    render layout: "application"
+  def sparkline
+    etag_key = @account.family.build_cache_key("#{@account.id}_sparkline", invalidate_on_data_updates: true)
+
+    # Short-circuit with 304 Not Modified when the client already has the latest version.
+    # We defer the expensive series computation until we know the content is stale.
+    if stale?(etag: etag_key, last_modified: @account.family.latest_sync_completed_at)
+      @sparkline_series = @account.sparkline_series
+      render layout: false
+    end
   end
 
-  def sparkline
-    render layout: false
+  def toggle_active
+    if @account.active?
+      @account.disable!
+    elsif @account.disabled?
+      @account.enable!
+    end
+    redirect_to accounts_path
+  end
+
+  def destroy
+    if @account.linked?
+      redirect_to account_path(@account), alert: "Cannot delete a linked account"
+    else
+      @account.destroy_later
+      redirect_to accounts_path, notice: "Account scheduled for deletion"
+    end
   end
 
   private

app/controllers/api/v1/accounts_controller.rb

@@ -0,0 +1,59 @@
+# frozen_string_literal: true
+
+class Api::V1::AccountsController < Api::V1::BaseController
+  include Pagy::Backend
+
+  # Ensure proper scope authorization for read access
+  before_action :ensure_read_scope
+
+  def index
+    # Test with Pagy pagination
+    family = current_resource_owner.family
+    accounts_query = family.accounts.visible.alphabetically
+
+    # Handle pagination with Pagy
+    @pagy, @accounts = pagy(
+      accounts_query,
+      page: safe_page_param,
+      limit: safe_per_page_param
+    )
+
+    @per_page = safe_per_page_param
+
+    # Rails will automatically use app/views/api/v1/accounts/index.json.jbuilder
+    render :index
+  rescue => e
+    Rails.logger.error "AccountsController error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+end
+
+    private
+
+      def ensure_read_scope
+        authorize_scope!(:read)
+      end
+
+
+
+      def safe_page_param
+        page = params[:page].to_i
+        page > 0 ? page : 1
+      end
+
+      def safe_per_page_param
+        per_page = params[:per_page].to_i
+
+        # Default to 25, max 100
+        case per_page
+        when 1..100
+          per_page
+        else
+          25
+        end
+      end
+end

app/controllers/api/v1/auth_controller.rb

@@ -0,0 +1,210 @@
+module Api
+  module V1
+    class AuthController < BaseController
+      include Invitable
+
+      skip_before_action :authenticate_request!
+      skip_before_action :check_api_key_rate_limit
+      skip_before_action :log_api_access
+
+      def signup
+        # Check if invite code is required
+        if invite_code_required? && params[:invite_code].blank?
+          render json: { error: "Invite code is required" }, status: :forbidden
+          return
+        end
+
+        # Validate invite code if provided
+        if params[:invite_code].present? && !InviteCode.exists?(token: params[:invite_code]&.downcase)
+          render json: { error: "Invalid invite code" }, status: :forbidden
+          return
+        end
+
+        # Validate password
+        password_errors = validate_password(params[:user][:password])
+        if password_errors.any?
+          render json: { errors: password_errors }, status: :unprocessable_entity
+          return
+        end
+
+        # Validate device info
+        unless valid_device_info?
+          render json: { error: "Device information is required" }, status: :bad_request
+          return
+        end
+
+        user = User.new(user_signup_params)
+
+        # Create family for new user
+        family = Family.new
+        user.family = family
+        user.role = :admin
+
+        if user.save
+          # Claim invite code if provided
+          InviteCode.claim!(params[:invite_code]) if params[:invite_code].present?
+
+          # Create device and OAuth token
+          device = create_or_update_device(user)
+          token_response = create_oauth_token_for_device(user, device)
+
+          render json: token_response.merge(
+            user: {
+              id: user.id,
+              email: user.email,
+              first_name: user.first_name,
+              last_name: user.last_name
+            }
+          ), status: :created
+        else
+          render json: { errors: user.errors.full_messages }, status: :unprocessable_entity
+        end
+      end
+
+      def login
+        user = User.find_by(email: params[:email])
+
+        if user&.authenticate(params[:password])
+          # Check MFA if enabled
+          if user.otp_required?
+            unless params[:otp_code].present? && user.verify_otp?(params[:otp_code])
+              render json: {
+                error: "Two-factor authentication required",
+                mfa_required: true
+              }, status: :unauthorized
+              return
+            end
+          end
+
+          # Validate device info
+          unless valid_device_info?
+            render json: { error: "Device information is required" }, status: :bad_request
+            return
+          end
+
+          # Create device and OAuth token
+          device = create_or_update_device(user)
+          token_response = create_oauth_token_for_device(user, device)
+
+          render json: token_response.merge(
+            user: {
+              id: user.id,
+              email: user.email,
+              first_name: user.first_name,
+              last_name: user.last_name
+            }
+          )
+        else
+          render json: { error: "Invalid email or password" }, status: :unauthorized
+        end
+      end
+
+      def refresh
+        # Find the refresh token
+        refresh_token = params[:refresh_token]
+
+        unless refresh_token.present?
+          render json: { error: "Refresh token is required" }, status: :bad_request
+          return
+        end
+
+        # Find the access token associated with this refresh token
+        access_token = Doorkeeper::AccessToken.by_refresh_token(refresh_token)
+
+        if access_token.nil? || access_token.revoked?
+          render json: { error: "Invalid refresh token" }, status: :unauthorized
+          return
+        end
+
+        # Create new access token
+        new_token = Doorkeeper::AccessToken.create!(
+          application: access_token.application,
+          resource_owner_id: access_token.resource_owner_id,
+          expires_in: 30.days.to_i,
+          scopes: access_token.scopes,
+          use_refresh_token: true
+        )
+
+        # Revoke old access token
+        access_token.revoke
+
+        # Update device last seen
+        user = User.find(access_token.resource_owner_id)
+        device = user.mobile_devices.find_by(device_id: params[:device][:device_id])
+        device&.update_last_seen!
+
+        render json: {
+          access_token: new_token.plaintext_token,
+          refresh_token: new_token.plaintext_refresh_token,
+          token_type: "Bearer",
+          expires_in: new_token.expires_in,
+          created_at: new_token.created_at.to_i
+        }
+      end
+
+      private
+
+        def user_signup_params
+          params.require(:user).permit(:email, :password, :first_name, :last_name)
+        end
+
+        def validate_password(password)
+          errors = []
+
+          if password.blank?
+            errors << "Password can't be blank"
+            return errors
+          end
+
+          errors << "Password must be at least 8 characters" if password.length < 8
+          errors << "Password must include both uppercase and lowercase letters" unless password.match?(/[A-Z]/) && password.match?(/[a-z]/)
+          errors << "Password must include at least one number" unless password.match?(/\d/)
+          errors << "Password must include at least one special character" unless password.match?(/[!@#$%^&*(),.?":{}|<>]/)
+
+          errors
+        end
+
+        def valid_device_info?
+          device = params[:device]
+          return false if device.nil?
+
+          required_fields = %w[device_id device_name device_type os_version app_version]
+          required_fields.all? { |field| device[field].present? }
+        end
+
+        def create_or_update_device(user)
+          # Handle both string and symbol keys
+          device_data = params[:device].permit(:device_id, :device_name, :device_type, :os_version, :app_version)
+
+          device = user.mobile_devices.find_or_initialize_by(device_id: device_data[:device_id])
+          device.update!(device_data.merge(last_seen_at: Time.current))
+          device
+        end
+
+        def create_oauth_token_for_device(user, device)
+          # Create OAuth application for this device if needed
+          oauth_app = device.create_oauth_application!
+
+          # Revoke any existing tokens for this device
+          device.revoke_all_tokens!
+
+          # Create new access token with 30-day expiration
+          access_token = Doorkeeper::AccessToken.create!(
+            application: oauth_app,
+            resource_owner_id: user.id,
+            expires_in: 30.days.to_i,
+            scopes: "read_write",
+            use_refresh_token: true
+          )
+
+          {
+            access_token: access_token.plaintext_token,
+            refresh_token: access_token.plaintext_refresh_token,
+            token_type: "Bearer",
+            expires_in: access_token.expires_in,
+            created_at: access_token.created_at.to_i
+          }
+        end
+    end
+  end
+end

app/controllers/api/v1/base_controller.rb

@@ -0,0 +1,279 @@
+# frozen_string_literal: true
+
+class Api::V1::BaseController < ApplicationController
+  include Doorkeeper::Rails::Helpers
+
+  # Skip regular session-based authentication for API
+  skip_authentication
+
+  # Skip CSRF protection for API endpoints
+  skip_before_action :verify_authenticity_token
+
+  # Skip onboarding requirements for API endpoints
+  skip_before_action :require_onboarding_and_upgrade
+
+  # Force JSON format for all API requests
+  before_action :force_json_format
+  # Use our custom authentication that supports both OAuth and API keys
+  before_action :authenticate_request!
+  before_action :check_api_key_rate_limit
+  before_action :log_api_access
+
+
+
+  # Override Doorkeeper's default behavior to return JSON instead of redirecting
+  def doorkeeper_unauthorized_render_options(error: nil)
+    { json: { error: "unauthorized", message: "Access token is invalid, expired, or missing" } }
+  end
+
+  # Error handling for common API errors
+  rescue_from ActiveRecord::RecordNotFound, with: :handle_not_found
+  rescue_from Doorkeeper::Errors::DoorkeeperError, with: :handle_unauthorized
+  rescue_from ActionController::ParameterMissing, with: :handle_bad_request
+
+  private
+
+    # Force JSON format for all API requests
+    def force_json_format
+      request.format = :json
+    end
+
+    # Authenticate using either OAuth or API key
+    def authenticate_request!
+      return if authenticate_oauth
+      return if authenticate_api_key
+      render_unauthorized unless performed?
+    end
+
+    # Try OAuth authentication first
+    def authenticate_oauth
+      return false unless request.headers["Authorization"].present?
+
+      # Manually verify the token (bypassing doorkeeper_authorize! which had scope issues)
+      token_string = request.authorization&.split(" ")&.last
+      access_token = Doorkeeper::AccessToken.by_token(token_string)
+
+      # Check token validity and scope (read_write includes read access)
+      has_sufficient_scope = access_token&.scopes&.include?("read") || access_token&.scopes&.include?("read_write")
+
+      unless access_token && !access_token.expired? && has_sufficient_scope
+        render_json({ error: "unauthorized", message: "Access token is invalid, expired, or missing required scope" }, status: :unauthorized)
+        return false
+      end
+
+      # Set the doorkeeper_token for compatibility
+      @_doorkeeper_token = access_token
+
+      if doorkeeper_token&.resource_owner_id
+        @current_user = User.find_by(id: doorkeeper_token.resource_owner_id)
+
+        # If user doesn't exist, the token is invalid (user was deleted)
+        unless @current_user
+          Rails.logger.warn "API OAuth Token Invalid: Access token resource_owner_id #{doorkeeper_token.resource_owner_id} does not exist"
+          render_json({ error: "unauthorized", message: "Access token is invalid - user not found" }, status: :unauthorized)
+          return false
+        end
+      else
+        Rails.logger.warn "API OAuth Token Invalid: Access token missing resource_owner_id"
+        render_json({ error: "unauthorized", message: "Access token is invalid - missing resource owner" }, status: :unauthorized)
+        return false
+      end
+
+      @authentication_method = :oauth
+      setup_current_context_for_api
+      true
+    rescue Doorkeeper::Errors::DoorkeeperError => e
+      Rails.logger.warn "API OAuth Error: #{e.message}"
+      false
+    end
+
+    # Try API key authentication
+    def authenticate_api_key
+      api_key_value = request.headers["X-Api-Key"]
+      return false unless api_key_value
+
+      @api_key = ApiKey.find_by_value(api_key_value)
+      return false unless @api_key && @api_key.active?
+
+      @current_user = @api_key.user
+      @api_key.update_last_used!
+      @authentication_method = :api_key
+      @rate_limiter = ApiRateLimiter.limit(@api_key)
+      setup_current_context_for_api
+      true
+    end
+
+    # Check rate limits for API key authentication
+    def check_api_key_rate_limit
+      return unless @authentication_method == :api_key && @rate_limiter
+
+      if @rate_limiter.rate_limit_exceeded?
+        usage_info = @rate_limiter.usage_info
+        render_rate_limit_exceeded(usage_info)
+        return false
+      end
+
+      # Increment request count for successful API key requests
+      @rate_limiter.increment_request_count!
+
+      # Add rate limit headers to response
+      add_rate_limit_headers(@rate_limiter.usage_info)
+    end
+
+    # Render rate limit exceeded response
+    def render_rate_limit_exceeded(usage_info)
+      response.headers["X-RateLimit-Limit"] = usage_info[:rate_limit].to_s
+      response.headers["X-RateLimit-Remaining"] = "0"
+      response.headers["X-RateLimit-Reset"] = usage_info[:reset_time].to_s
+      response.headers["Retry-After"] = usage_info[:reset_time].to_s
+
+      Rails.logger.warn "API Rate Limit Exceeded: API Key #{@api_key.name} (User: #{@current_user.email}) - #{usage_info[:current_count]}/#{usage_info[:rate_limit]} requests"
+
+      render_json({
+        error: "rate_limit_exceeded",
+        message: "Rate limit exceeded. Try again in #{usage_info[:reset_time]} seconds.",
+        details: {
+          limit: usage_info[:rate_limit],
+          current: usage_info[:current_count],
+          reset_in_seconds: usage_info[:reset_time]
+        }
+      }, status: :too_many_requests)
+    end
+
+    # Add rate limit headers to successful responses
+    def add_rate_limit_headers(usage_info)
+      response.headers["X-RateLimit-Limit"] = usage_info[:rate_limit].to_s
+      response.headers["X-RateLimit-Remaining"] = usage_info[:remaining].to_s
+      response.headers["X-RateLimit-Reset"] = usage_info[:reset_time].to_s
+    end
+
+    # Render unauthorized response
+    def render_unauthorized
+      render_json({ error: "unauthorized", message: "Access token or API key is invalid, expired, or missing" }, status: :unauthorized)
+    end
+
+    # Returns the user that owns the access token or API key
+    def current_resource_owner
+      @current_user
+    end
+
+    # Get current scopes from either authentication method
+    def current_scopes
+      case @authentication_method
+      when :oauth
+        doorkeeper_token&.scopes&.to_a || []
+      when :api_key
+        @api_key&.scopes || []
+      else
+        []
+      end
+    end
+
+    # Check if the current authentication has the required scope
+    # Implements hierarchical scope checking where read_write includes read access
+    def authorize_scope!(required_scope)
+      scopes = current_scopes
+
+      case required_scope.to_s
+      when "read"
+        # Read access requires either "read" or "read_write" scope
+        has_access = scopes.include?("read") || scopes.include?("read_write")
+      when "write"
+        # Write access requires "read_write" scope
+        has_access = scopes.include?("read_write")
+      else
+        # For any other scope, check exact match (backward compatibility)
+        has_access = scopes.include?(required_scope.to_s)
+      end
+
+      unless has_access
+        Rails.logger.warn "API Insufficient Scope: User #{current_resource_owner&.email} attempted to access #{required_scope} but only has #{scopes}"
+        render_json({ error: "insufficient_scope", message: "This action requires the '#{required_scope}' scope" }, status: :forbidden)
+        return false
+      end
+      true
+    end
+
+    # Consistent JSON response method
+    def render_json(data, status: :ok)
+      render json: data, status: status
+    end
+
+    # Error handlers
+    def handle_not_found(exception)
+      Rails.logger.warn "API Record Not Found: #{exception.message}"
+      render_json({ error: "record_not_found", message: "The requested resource was not found" }, status: :not_found)
+    end
+
+    def handle_unauthorized(exception)
+      Rails.logger.warn "API Unauthorized: #{exception.message}"
+      render_json({ error: "unauthorized", message: "Access token is invalid or expired" }, status: :unauthorized)
+    end
+
+    def handle_bad_request(exception)
+      Rails.logger.warn "API Bad Request: #{exception.message}"
+      render_json({ error: "bad_request", message: "Required parameters are missing or invalid" }, status: :bad_request)
+    end
+
+    # Log API access for monitoring and debugging
+    def log_api_access
+      return unless current_resource_owner
+
+      auth_info = case @authentication_method
+      when :oauth
+        "OAuth Token"
+      when :api_key
+        "API Key: #{@api_key.name}"
+      else
+        "Unknown"
+      end
+
+      Rails.logger.info "API Request: #{request.method} #{request.path} - User: #{current_resource_owner.email} (Family: #{current_resource_owner.family_id}) - Auth: #{auth_info}"
+    end
+
+    # Family-based access control helper (to be used by subcontrollers)
+    def ensure_current_family_access(resource)
+      return unless resource.respond_to?(:family_id)
+
+      unless resource.family_id == current_resource_owner.family_id
+        Rails.logger.warn "API Forbidden: User #{current_resource_owner.email} attempted to access resource from family #{resource.family_id}"
+        render_json({ error: "forbidden", message: "Access denied to this resource" }, status: :forbidden)
+        return false
+      end
+
+      true
+    end
+
+    # Manual doorkeeper_token accessor for compatibility with manual token verification
+    def doorkeeper_token
+      @_doorkeeper_token
+    end
+
+    # Set up Current context for API requests since we don't use session-based auth
+    def setup_current_context_for_api
+      # For API requests, we need to create a minimal session-like object
+      # or find/create an actual session for this user to make Current.user work
+      if @current_user
+        # Try to find an existing session for this user, or create a temporary one
+        session = @current_user.sessions.first
+        if session
+          Current.session = session
+        else
+          # Create a temporary session for this API request
+          # This won't be persisted but will allow Current.user to work
+          session = @current_user.sessions.build(
+            user_agent: request.user_agent,
+            ip_address: request.ip
+          )
+          Current.session = session
+        end
+      end
+    end
+
+    # Check if AI features are enabled for the current user
+    def require_ai_enabled
+      unless current_resource_owner&.ai_enabled?
+        render_json({ error: "feature_disabled", message: "AI features are not enabled for this user" }, status: :forbidden)
+      end
+    end
+end

app/controllers/api/v1/chats_controller.rb

@@ -0,0 +1,84 @@
+# frozen_string_literal: true
+
+class Api::V1::ChatsController < Api::V1::BaseController
+  include Pagy::Backend
+  before_action :require_ai_enabled
+  before_action :ensure_read_scope, only: [ :index, :show ]
+  before_action :ensure_write_scope, only: [ :create, :update, :destroy ]
+  before_action :set_chat, only: [ :show, :update, :destroy ]
+
+  def index
+    @pagy, @chats = pagy(Current.user.chats.ordered, items: 20)
+  end
+
+  def show
+    return unless @chat
+    @pagy, @messages = pagy(@chat.messages.ordered, items: 50)
+  end
+
+  def create
+    @chat = Current.user.chats.build(title: chat_params[:title])
+
+    if @chat.save
+      if chat_params[:message].present?
+        @message = @chat.messages.build(
+          content: chat_params[:message],
+          type: "UserMessage",
+          ai_model: chat_params[:model] || "gpt-4"
+        )
+
+        if @message.save
+          AssistantResponseJob.perform_later(@message)
+          render :show, status: :created
+        else
+          @chat.destroy
+          render json: { error: "Failed to create initial message", details: @message.errors.full_messages }, status: :unprocessable_entity
+        end
+      else
+        render :show, status: :created
+      end
+    else
+      render json: { error: "Failed to create chat", details: @chat.errors.full_messages }, status: :unprocessable_entity
+    end
+  end
+
+  def update
+    return unless @chat
+
+    if @chat.update(update_chat_params)
+      render :show
+    else
+      render json: { error: "Failed to update chat", details: @chat.errors.full_messages }, status: :unprocessable_entity
+    end
+  end
+
+  def destroy
+    return unless @chat
+    @chat.destroy
+    head :no_content
+  end
+
+  private
+
+    def ensure_read_scope
+      authorize_scope!(:read)
+    end
+
+    def ensure_write_scope
+      authorize_scope!(:write)
+    end
+
+    def set_chat
+      @chat = Current.user.chats.find(params[:id])
+    rescue ActiveRecord::RecordNotFound
+      render json: { error: "Chat not found" }, status: :not_found
+    end
+
+    def chat_params
+      params.permit(:title, :message, :model)
+    end
+
+    def update_chat_params
+      params.permit(:title)
+    end
+end

app/controllers/api/v1/messages_controller.rb

@@ -0,0 +1,55 @@
+# frozen_string_literal: true
+
+class Api::V1::MessagesController < Api::V1::BaseController
+  before_action :require_ai_enabled
+  before_action :ensure_write_scope, only: [ :create, :retry ]
+  before_action :set_chat
+
+  def create
+    @message = @chat.messages.build(
+      content: message_params[:content],
+      type: "UserMessage",
+      ai_model: message_params[:model] || "gpt-4"
+    )
+
+    if @message.save
+      AssistantResponseJob.perform_later(@message)
+      render :show, status: :created
+    else
+      render json: { error: "Failed to create message", details: @message.errors.full_messages }, status: :unprocessable_entity
+    end
+  end
+
+  def retry
+    last_message = @chat.messages.ordered.last
+
+    if last_message&.type == "AssistantMessage"
+      new_message = @chat.messages.create!(
+        type: "AssistantMessage",
+        content: "",
+        ai_model: last_message.ai_model
+      )
+
+      AssistantResponseJob.perform_later(new_message)
+      render json: { message: "Retry initiated", message_id: new_message.id }, status: :accepted
+    else
+      render json: { error: "No assistant message to retry" }, status: :unprocessable_entity
+    end
+  end
+
+  private
+
+    def ensure_write_scope
+      authorize_scope!(:write)
+    end
+
+    def set_chat
+      @chat = Current.user.chats.find(params[:chat_id])
+    rescue ActiveRecord::RecordNotFound
+      render json: { error: "Chat not found" }, status: :not_found
+    end
+
+    def message_params
+      params.permit(:content, :model)
+    end
+end

app/controllers/api/v1/test_controller.rb

@@ -0,0 +1,47 @@
+# frozen_string_literal: true
+
+# Test controller for API V1 Base Controller functionality
+# This controller is only used for testing the base controller behavior
+class Api::V1::TestController < Api::V1::BaseController
+  def index
+    render_json({ message: "test_success", user: current_resource_owner&.email })
+  end
+
+  def not_found
+    # Trigger RecordNotFound error for testing error handling
+    raise ActiveRecord::RecordNotFound, "Test record not found"
+  end
+
+  def family_access
+    # Test family-based access control
+    # Create a mock resource that belongs to a different family
+    mock_resource = OpenStruct.new(family_id: 999)  # Different family ID
+
+    # Check family access - if it returns false, it already rendered the error
+    if ensure_current_family_access(mock_resource)
+      # If we get here, access was allowed
+      render_json({ family_id: current_resource_owner.family_id })
+    end
+  end
+
+  def scope_required
+    # Test scope authorization - require write scope
+    return unless authorize_scope!("write")
+
+    render_json({
+      message: "scope_authorized",
+      scopes: current_scopes,
+      required_scope: "write"
+    })
+  end
+
+  def multiple_scopes_required
+    # Test read scope requirement
+    return unless authorize_scope!("read")
+
+    render_json({
+      message: "read_scope_authorized",
+      scopes: current_scopes
+    })
+  end
+end

app/controllers/api/v1/transactions_controller.rb

@@ -0,0 +1,327 @@
+# frozen_string_literal: true
+
+class Api::V1::TransactionsController < Api::V1::BaseController
+  include Pagy::Backend
+
+  # Ensure proper scope authorization for read vs write access
+  before_action :ensure_read_scope, only: [ :index, :show ]
+  before_action :ensure_write_scope, only: [ :create, :update, :destroy ]
+  before_action :set_transaction, only: [ :show, :update, :destroy ]
+
+  def index
+    family = current_resource_owner.family
+    transactions_query = family.transactions.visible
+
+    # Apply filters
+    transactions_query = apply_filters(transactions_query)
+
+    # Apply search
+    transactions_query = apply_search(transactions_query) if params[:search].present?
+
+    # Include necessary associations for efficient queries
+    transactions_query = transactions_query.includes(
+      { entry: :account },
+      :category, :merchant, :tags,
+      transfer_as_outflow: { inflow_transaction: { entry: :account } },
+      transfer_as_inflow: { outflow_transaction: { entry: :account } }
+    ).reverse_chronological
+
+    # Handle pagination with Pagy
+    @pagy, @transactions = pagy(
+      transactions_query,
+      page: safe_page_param,
+      limit: safe_per_page_param
+    )
+
+    # Make per_page available to the template
+    @per_page = safe_per_page_param
+
+    # Rails will automatically use app/views/api/v1/transactions/index.json.jbuilder
+    render :index
+
+  rescue => e
+    Rails.logger.error "TransactionsController#index error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+  end
+
+  def show
+    # Rails will automatically use app/views/api/v1/transactions/show.json.jbuilder
+    render :show
+
+  rescue => e
+    Rails.logger.error "TransactionsController#show error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+  end
+
+  def create
+    family = current_resource_owner.family
+
+    # Validate account_id is present
+    unless transaction_params[:account_id].present?
+      render json: {
+        error: "validation_failed",
+        message: "Account ID is required",
+        errors: [ "Account ID is required" ]
+      }, status: :unprocessable_entity
+      return
+    end
+
+    account = family.accounts.find(transaction_params[:account_id])
+    @entry = account.entries.new(entry_params_for_create)
+
+    if @entry.save
+      @entry.sync_account_later
+      @entry.lock_saved_attributes!
+      @entry.transaction.lock_attr!(:tag_ids) if @entry.transaction.tags.any?
+
+      @transaction = @entry.transaction
+      render :show, status: :created
+    else
+      render json: {
+        error: "validation_failed",
+        message: "Transaction could not be created",
+        errors: @entry.errors.full_messages
+      }, status: :unprocessable_entity
+    end
+
+  rescue => e
+    Rails.logger.error "TransactionsController#create error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+end
+
+  def update
+    if @entry.update(entry_params_for_update)
+      @entry.sync_account_later
+      @entry.lock_saved_attributes!
+      @entry.transaction.lock_attr!(:tag_ids) if @entry.transaction.tags.any?
+
+      @transaction = @entry.transaction
+      render :show
+    else
+      render json: {
+        error: "validation_failed",
+        message: "Transaction could not be updated",
+        errors: @entry.errors.full_messages
+      }, status: :unprocessable_entity
+    end
+
+  rescue => e
+    Rails.logger.error "TransactionsController#update error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+  end
+
+  def destroy
+    @entry.destroy!
+    @entry.sync_account_later
+
+    render json: {
+      message: "Transaction deleted successfully"
+    }, status: :ok
+
+  rescue => e
+    Rails.logger.error "TransactionsController#destroy error: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+
+    render json: {
+      error: "internal_server_error",
+      message: "Error: #{e.message}"
+    }, status: :internal_server_error
+  end
+
+  private
+
+    def set_transaction
+      family = current_resource_owner.family
+      @transaction = family.transactions.find(params[:id])
+      @entry = @transaction.entry
+    rescue ActiveRecord::RecordNotFound
+      render json: {
+        error: "not_found",
+        message: "Transaction not found"
+      }, status: :not_found
+    end
+
+    def ensure_read_scope
+      authorize_scope!(:read)
+    end
+
+    def ensure_write_scope
+      authorize_scope!(:write)
+    end
+
+    def apply_filters(query)
+      # Account filtering
+      if params[:account_id].present?
+        query = query.joins(:entry).where(entries: { account_id: params[:account_id] })
+      end
+
+      if params[:account_ids].present?
+        account_ids = Array(params[:account_ids])
+        query = query.joins(:entry).where(entries: { account_id: account_ids })
+      end
+
+      # Category filtering
+      if params[:category_id].present?
+        query = query.where(category_id: params[:category_id])
+      end
+
+      if params[:category_ids].present?
+        category_ids = Array(params[:category_ids])
+        query = query.where(category_id: category_ids)
+      end
+
+      # Merchant filtering
+      if params[:merchant_id].present?
+        query = query.where(merchant_id: params[:merchant_id])
+      end
+
+      if params[:merchant_ids].present?
+        merchant_ids = Array(params[:merchant_ids])
+        query = query.where(merchant_id: merchant_ids)
+      end
+
+      # Date range filtering
+      if params[:start_date].present?
+        query = query.joins(:entry).where("entries.date >= ?", Date.parse(params[:start_date]))
+      end
+
+      if params[:end_date].present?
+        query = query.joins(:entry).where("entries.date <= ?", Date.parse(params[:end_date]))
+      end
+
+      # Amount filtering
+      if params[:min_amount].present?
+        min_amount = params[:min_amount].to_f
+        query = query.joins(:entry).where("entries.amount >= ?", min_amount)
+      end
+
+      if params[:max_amount].present?
+        max_amount = params[:max_amount].to_f
+        query = query.joins(:entry).where("entries.amount <= ?", max_amount)
+      end
+
+      # Tag filtering
+      if params[:tag_ids].present?
+        tag_ids = Array(params[:tag_ids])
+        query = query.joins(:tags).where(tags: { id: tag_ids })
+      end
+
+      # Transaction type filtering (income/expense)
+      if params[:type].present?
+        case params[:type].downcase
+        when "income"
+          query = query.joins(:entry).where("entries.amount < 0")
+        when "expense"
+          query = query.joins(:entry).where("entries.amount > 0")
+        end
+      end
+
+      query
+    end
+
+    def apply_search(query)
+      search_term = "%#{params[:search]}%"
+
+      query.joins(:entry)
+           .left_joins(:merchant)
+           .where(
+             "entries.name ILIKE ? OR entries.notes ILIKE ? OR merchants.name ILIKE ?",
+             search_term, search_term, search_term
+           )
+end
+
+    def transaction_params
+      params.require(:transaction).permit(
+        :account_id, :date, :amount, :name, :description, :notes, :currency,
+        :category_id, :merchant_id, :nature, tag_ids: []
+      )
+    end
+
+    def entry_params_for_create
+      entry_params = {
+        name: transaction_params[:name] || transaction_params[:description],
+        date: transaction_params[:date],
+        amount: calculate_signed_amount,
+        currency: transaction_params[:currency] || current_resource_owner.family.currency,
+        notes: transaction_params[:notes],
+        entryable_type: "Transaction",
+        entryable_attributes: {
+          category_id: transaction_params[:category_id],
+          merchant_id: transaction_params[:merchant_id],
+          tag_ids: transaction_params[:tag_ids] || []
+        }
+      }
+
+      entry_params.compact
+    end
+
+    def entry_params_for_update
+      entry_params = {
+        name: transaction_params[:name] || transaction_params[:description],
+        date: transaction_params[:date],
+        notes: transaction_params[:notes],
+        entryable_attributes: {
+          id: @entry.entryable_id,
+          category_id: transaction_params[:category_id],
+          merchant_id: transaction_params[:merchant_id],
+          tag_ids: transaction_params[:tag_ids]
+        }.compact_blank
+      }
+
+      # Only update amount if provided
+      if transaction_params[:amount].present?
+        entry_params[:amount] = calculate_signed_amount
+      end
+
+      entry_params.compact
+    end
+
+    def calculate_signed_amount
+      amount = transaction_params[:amount].to_f
+      nature = transaction_params[:nature]
+
+      case nature&.downcase
+      when "income", "inflow"
+        -amount.abs  # Income is negative
+      when "expense", "outflow"
+        amount.abs   # Expense is positive
+      else
+        amount       # Use as provided
+      end
+    end
+
+    def safe_page_param
+      page = params[:page].to_i
+      page > 0 ? page : 1
+    end
+
+    def safe_per_page_param
+      per_page = params[:per_page].to_i
+      case per_page
+      when 1..100
+        per_page
+      else
+        25  # Default
+      end
+    end
+end

app/controllers/api/v1/usage_controller.rb

@@ -0,0 +1,38 @@
+class Api::V1::UsageController < Api::V1::BaseController
+  # GET /api/v1/usage
+  def show
+    return unless authorize_scope!(:read)
+
+    case @authentication_method
+    when :api_key
+      usage_info = @rate_limiter.usage_info
+      render_json({
+        api_key: {
+          name: @api_key.name,
+          scopes: @api_key.scopes,
+          last_used_at: @api_key.last_used_at,
+          created_at: @api_key.created_at
+        },
+        rate_limit: {
+          tier: usage_info[:tier],
+          limit: usage_info[:rate_limit],
+          current_count: usage_info[:current_count],
+          remaining: usage_info[:remaining],
+          reset_in_seconds: usage_info[:reset_time],
+          reset_at: Time.current + usage_info[:reset_time].seconds
+        }
+      })
+    when :oauth
+      # For OAuth, we don't track detailed usage yet, but we can return basic info
+      render_json({
+        authentication_method: "oauth",
+        message: "Detailed usage tracking is available for API key authentication"
+      })
+    else
+      render_json({
+        error: "invalid_authentication_method",
+        message: "Unable to determine usage information"
+      }, status: :bad_request)
+    end
+  end
+end

app/controllers/concerns/accountable_resource.rb

@@ -2,9 +2,9 @@ module AccountableResource
   extend ActiveSupport::Concern
 
   included do
-    include ScrollFocusable, Periodable
+    include Periodable
 
-    before_action :set_account, only: [ :show, :edit, :update, :destroy ]
+    before_action :set_account, only: [ :show, :edit, :update ]
     before_action :set_link_options, only: :new
   end
 
@@ -27,9 +27,7 @@ module AccountableResource
     @q = params.fetch(:q, {}).permit(:search)
     entries = @account.entries.search(@q).reverse_chronological
 
-    set_focused_record(entries, params[:focused_record_id])
-
-    @pagy, @entries = pagy(entries, limit: params[:per_page] || "10", params: ->(params) { params.except(:focused_record_id) })
+    @pagy, @entries = pagy(entries, limit: params[:per_page] || "10")
   end
 
   def edit
@@ -43,19 +41,27 @@ module AccountableResource
   end
 
   def update
-    @account.update_with_sync!(account_params.except(:return_to))
-    @account.lock_saved_attributes!
-
-    redirect_back_or_to @account, notice: t("accounts.update.success", type: accountable_type.name.underscore.humanize)
-  end
-
-  def destroy
-    if @account.linked?
-      redirect_to account_path(@account), alert: "Cannot delete a linked account"
-    else
-      @account.destroy_later
-      redirect_to accounts_path, notice: t("accounts.destroy.success", type: accountable_type.name.underscore.humanize)
+    # Handle balance update if provided
+    if account_params[:balance].present?
+      result = @account.set_current_balance(account_params[:balance].to_d)
+      unless result.success?
+        @error_message = result.error_message
+        render :edit, status: :unprocessable_entity
+        return
+      end
+      @account.sync_later
     end
+
+    # Update remaining account attributes
+    update_params = account_params.except(:return_to, :balance, :currency)
+    unless @account.update(update_params)
+      @error_message = @account.errors.full_messages.join(", ")
+      render :edit, status: :unprocessable_entity
+      return
+    end
+
+    @account.lock_saved_attributes!
+    redirect_back_or_to account_path(@account), notice: t("accounts.update.success", type: accountable_type.name.underscore.humanize)
   end
 
   private
@@ -74,7 +80,7 @@ module AccountableResource
 
     def account_params
       params.require(:account).permit(
-        :name, :is_active, :balance, :subtype, :currency, :accountable_type, :return_to,
+        :name, :balance, :subtype, :currency, :accountable_type, :return_to,
         accountable_attributes: self.class.permitted_accountable_attributes
       )
     end

app/controllers/concerns/auto_sync.rb

@@ -1,9 +1,9 @@
 module AutoSync
   extend ActiveSupport::Concern
 
-  included do
-    before_action :sync_family, if: :family_needs_auto_sync?
-  end
+  # included do
+  #   before_action :sync_family, if: :family_needs_auto_sync?
+  # end
 
   private
     def sync_family

app/controllers/concerns/onboardable.rb

@@ -25,6 +25,7 @@ module Onboardable
       return false if path.starts_with?("/subscription")
       return false if path.starts_with?("/onboarding")
       return false if path.starts_with?("/users")
+      return false if path.starts_with?("/api")  # Exclude API endpoints from onboarding redirects
 
       [
         new_registration_path,

app/controllers/concerns/scroll_focusable.rb

@@ -1,21 +0,0 @@
-module ScrollFocusable
-  extend ActiveSupport::Concern
-
-  def set_focused_record(record_scope, record_id, default_per_page: 10)
-    return unless record_id.present?
-
-    @focused_record = record_scope.find_by(id: record_id)
-
-    record_index = record_scope.pluck(:id).index(record_id)
-
-    return unless record_index
-
-    page_of_focused_record = (record_index / (params[:per_page]&.to_i || default_per_page)) + 1
-
-    if params[:page]&.to_i != page_of_focused_record
-      (
-        redirect_to(url_for(page: page_of_focused_record, focused_record_id: record_id))
-      )
-    end
-  end
-end

app/controllers/concerns/self_hostable.rb

@@ -3,6 +3,8 @@ module SelfHostable
 
   included do
     helper_method :self_hosted?, :self_hosted_first_login?
+
+    prepend_before_action :verify_self_host_config
   end
 
   private
@@ -13,4 +15,29 @@ module SelfHostable
     def self_hosted_first_login?
       self_hosted? && User.count.zero?
     end
+
+    def verify_self_host_config
+      return unless self_hosted?
+
+      # Special handling for Redis configuration error page
+      if controller_name == "pages" && action_name == "redis_configuration_error"
+        # If Redis is now working, redirect to home
+        if redis_connected?
+          redirect_to root_path, notice: "Redis is now configured properly! You can now setup your Maybe application."
+        end
+
+        return
+      end
+
+      unless redis_connected?
+        redirect_to redis_configuration_error_path
+      end
+    end
+
+    def redis_connected?
+      Redis.new.ping
+      true
+    rescue Redis::CannotConnectError
+      false
+    end
 end

app/controllers/family_exports_controller.rb

@@ -0,0 +1,47 @@
+class FamilyExportsController < ApplicationController
+  include StreamExtensions
+
+  before_action :require_admin
+  before_action :set_export, only: [ :download ]
+
+  def new
+    # Modal view for initiating export
+  end
+
+  def create
+    @export = Current.family.family_exports.create!
+    FamilyDataExportJob.perform_later(@export)
+
+    respond_to do |format|
+      format.html { redirect_to settings_profile_path, notice: "Export started. You'll be able to download it shortly." }
+      format.turbo_stream {
+        stream_redirect_to settings_profile_path, notice: "Export started. You'll be able to download it shortly."
+      }
+    end
+  end
+
+  def index
+    @exports = Current.family.family_exports.ordered.limit(10)
+    render layout: false # For turbo frame
+  end
+
+  def download
+    if @export.downloadable?
+      redirect_to @export.export_file, allow_other_host: true
+    else
+      redirect_to settings_profile_path, alert: "Export not ready for download"
+    end
+  end
+
+  private
+
+    def set_export
+      @export = Current.family.family_exports.find(params[:id])
+    end
+
+    def require_admin
+      unless Current.user.admin?
+        redirect_to root_path, alert: "Access denied"
+      end
+    end
+end

app/controllers/family_merchants_controller.rb

@@ -4,19 +4,19 @@ class FamilyMerchantsController < ApplicationController
   def index
     @breadcrumbs = [ [ "Home", root_path ], [ "Merchants", nil ] ]
 
-    @merchants = Current.family.merchants.alphabetically
+    @family_merchants = Current.family.merchants.alphabetically
 
     render layout: "settings"
   end
 
   def new
-    @merchant = FamilyMerchant.new(family: Current.family)
+    @family_merchant = FamilyMerchant.new(family: Current.family)
   end
 
   def create
-    @merchant = FamilyMerchant.new(merchant_params.merge(family: Current.family))
+    @family_merchant = FamilyMerchant.new(merchant_params.merge(family: Current.family))
 
-    if @merchant.save
+    if @family_merchant.save
       respond_to do |format|
         format.html { redirect_to family_merchants_path, notice: t(".success") }
         format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, family_merchants_path) }
@@ -30,7 +30,7 @@ class FamilyMerchantsController < ApplicationController
   end
 
   def update
-    @merchant.update!(merchant_params)
+    @family_merchant.update!(merchant_params)
     respond_to do |format|
       format.html { redirect_to family_merchants_path, notice: t(".success") }
       format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, family_merchants_path) }
@@ -38,14 +38,13 @@ class FamilyMerchantsController < ApplicationController
   end
 
   def destroy
-    @merchant.destroy!
+    @family_merchant.destroy!
     redirect_to family_merchants_path, notice: t(".success")
   end
 
   private
-
     def set_merchant
-      @merchant = Current.family.merchants.find(params[:id])
+      @family_merchant = Current.family.merchants.find(params[:id])
     end
 
     def merchant_params

app/controllers/pages_controller.rb

@@ -1,10 +1,11 @@
 class PagesController < ApplicationController
-  skip_before_action :authenticate_user!, only: %i[early_access]
   include Periodable
 
+  skip_authentication only: :redis_configuration_error
+
   def dashboard
     @balance_sheet = Current.family.balance_sheet
-    @accounts = Current.family.accounts.active.with_attached_logo
+    @accounts = Current.family.accounts.visible.with_attached_logo
 
     period_param = params[:cashflow_period]
     @cashflow_period = if period_param.present?
@@ -29,6 +30,17 @@ class PagesController < ApplicationController
   def changelog
     @release_notes = github_provider.fetch_latest_release_notes
 
+    # Fallback if no release notes are available
+    if @release_notes.nil?
+      @release_notes = {
+        avatar: "https://github.com/maybe-finance.png",
+        username: "maybe-finance",
+        name: "Release notes unavailable",
+        published_at: Date.current,
+        body: "<p>Unable to fetch the latest release notes at this time. Please check back later or visit our <a href='https://github.com/maybe-finance/maybe/releases' target='_blank'>GitHub releases page</a> directly.</p>"
+      }
+    end
+
     render layout: "settings"
   end
 
@@ -36,12 +48,8 @@ class PagesController < ApplicationController
     render layout: "settings"
   end
 
-  def early_access
-    redirect_to root_path if self_hosted?
-
-    @invite_codes_count = InviteCode.count
-    @invite_code = InviteCode.order("RANDOM()").limit(1).first
-    render layout: false
+  def redis_configuration_error
+    render layout: "blank"
   end
 
   private

app/controllers/properties_controller.rb

@@ -1,21 +1,99 @@
 class PropertiesController < ApplicationController
-  include AccountableResource
+  include AccountableResource, StreamExtensions
 
-  permitted_accountable_attributes(
-    :id, :year_built, :area_unit, :area_value,
-    address_attributes: [ :line1, :line2, :locality, :region, :country, :postal_code ]
-  )
+  before_action :set_property, only: [ :balances, :address, :update_balances, :update_address ]
 
   def new
-    @account = Current.family.accounts.build(
-      currency: Current.family.currency,
-      accountable: Property.new(
-        address: Address.new
-      )
+    @account = Current.family.accounts.build(accountable: Property.new)
+  end
+
+  def create
+    @account = Current.family.accounts.create!(
+      property_params.merge(currency: Current.family.currency, balance: 0, status: "draft")
     )
+
+    redirect_to balances_property_path(@account)
+  end
+
+  def update
+    if @account.update(property_params)
+      @success_message = "Property details updated successfully."
+
+      if @account.active?
+        render :edit
+      else
+        redirect_to balances_property_path(@account)
+      end
+    else
+      @error_message = "Unable to update property details."
+      render :edit, status: :unprocessable_entity
+    end
   end
 
   def edit
-    @account.accountable.address ||= Address.new
   end
+
+  def balances
+  end
+
+  def update_balances
+    result = @account.set_current_balance(balance_params[:balance].to_d)
+
+    if result.success?
+      @success_message = "Balance updated successfully."
+
+      if @account.active?
+        render :balances
+      else
+        redirect_to address_property_path(@account)
+      end
+    else
+      @error_message = result.error_message
+      render :balances, status: :unprocessable_entity
+    end
+  end
+
+  def address
+    @property = @account.property
+    @property.address ||= Address.new
+  end
+
+  def update_address
+    if @account.property.update(address_params)
+      if @account.draft?
+        @account.activate!
+
+        respond_to do |format|
+          format.html { redirect_to account_path(@account) }
+          format.turbo_stream { stream_redirect_to account_path(@account) }
+        end
+      else
+        @success_message = "Address updated successfully."
+        render :address
+      end
+    else
+      @error_message = "Unable to update address. Please check the required fields."
+      render :address, status: :unprocessable_entity
+    end
+  end
+
+  private
+    def balance_params
+      params.require(:account).permit(:balance, :currency)
+    end
+
+    def address_params
+      params.require(:property)
+            .permit(address_attributes: [ :line1, :line2, :locality, :region, :country, :postal_code ])
+    end
+
+    def property_params
+      params.require(:account)
+            .permit(:name, :subtype, :accountable_type, accountable_attributes: [ :id, :year_built, :area_unit, :area_value ])
+    end
+
+    def set_property
+      @account = Current.family.accounts.find(params[:id])
+      @property = @account.property
+    end
 end

app/controllers/settings/api_keys_controller.rb

@@ -0,0 +1,61 @@
+# frozen_string_literal: true
+
+class Settings::ApiKeysController < ApplicationController
+  layout "settings"
+
+  before_action :set_api_key, only: [ :show, :destroy ]
+
+  def show
+    @current_api_key = @api_key
+  end
+
+  def new
+    # Allow regeneration by not redirecting if user explicitly wants to create a new key
+    # Only redirect if user stumbles onto new page without explicit intent
+    redirect_to settings_api_key_path if Current.user.api_keys.active.exists? && !params[:regenerate]
+    @api_key = ApiKey.new
+  end
+
+  def create
+    @plain_key = ApiKey.generate_secure_key
+    @api_key = Current.user.api_keys.build(api_key_params)
+    @api_key.key = @plain_key
+
+    # Temporarily revoke existing keys for validation to pass
+    existing_keys = Current.user.api_keys.active
+    existing_keys.each { |key| key.update_column(:revoked_at, Time.current) }
+
+    if @api_key.save
+      flash[:notice] = "Your API key has been created successfully"
+      redirect_to settings_api_key_path
+    else
+      # Restore existing keys if new key creation failed
+      existing_keys.each { |key| key.update_column(:revoked_at, nil) }
+      render :new, status: :unprocessable_entity
+    end
+  end
+
+  def destroy
+    if @api_key&.revoke!
+      flash[:notice] = "API key has been revoked successfully"
+    else
+      flash[:alert] = "Failed to revoke API key"
+    end
+    redirect_to settings_api_key_path
+  end
+
+  private
+
+    def set_api_key
+      @api_key = Current.user.api_keys.active.first
+    end
+
+    def api_key_params
+      # Convert single scope value to array for storage
+      permitted_params = params.require(:api_key).permit(:name, :scopes)
+      if permitted_params[:scopes].present?
+        permitted_params[:scopes] = [ permitted_params[:scopes] ]
+      end
+      permitted_params
+    end
+end

app/controllers/trades_controller.rb

@@ -1,17 +1,27 @@
 class TradesController < ApplicationController
   include EntryableResource
 
+  # Defaults to a buy trade
+  def new
+    @account = Current.family.accounts.find_by(id: params[:account_id])
+    @model = Current.family.entries.new(
+      account: @account,
+      currency: @account ? @account.currency : Current.family.currency,
+      entryable: Trade.new
+    )
+  end
+
+  # Can create a trade, transaction (e.g. "fees"), or transfer (e.g. "withdrawal")
   def create
-    @entry = build_entry
-
-    if @entry.save
-      @entry.sync_account_later
+    @account = Current.family.accounts.find(params[:account_id])
+    @model = Trade::CreateForm.new(create_params.merge(account: @account)).create
 
+    if @model.persisted?
       flash[:notice] = t("entries.create.success")
 
       respond_to do |format|
-        format.html { redirect_back_or_to account_path(@entry.account) }
-        format.turbo_stream { stream_redirect_back_or_to account_path(@entry.account) }
+        format.html { redirect_back_or_to account_path(@account) }
+        format.turbo_stream { stream_redirect_back_or_to account_path(@account) }
       end
     else
       render :new, status: :unprocessable_entity
@@ -41,11 +51,6 @@ class TradesController < ApplicationController
   end
 
   private
-    def build_entry
-      account = Current.family.accounts.find(params.dig(:entry, :account_id))
-      TradeBuilder.new(create_entry_params.merge(account: account))
-    end
-
     def entry_params
       params.require(:entry).permit(
         :name, :date, :amount, :currency, :excluded, :notes, :nature,
@@ -53,8 +58,8 @@ class TradesController < ApplicationController
       )
     end
 
-    def create_entry_params
-      params.require(:entry).permit(
+    def create_params
+      params.require(:model).permit(
         :date, :amount, :currency, :qty, :price, :ticker, :manual_ticker, :type, :transfer_account_id
       )
     end

app/controllers/transactions_controller.rb

@@ -1,5 +1,5 @@
 class TransactionsController < ApplicationController
-  include ScrollFocusable, EntryableResource
+  include EntryableResource
 
   before_action :store_params!, only: :index
 
@@ -11,39 +11,17 @@ class TransactionsController < ApplicationController
 
   def index
     @q = search_params
-    transactions_query = Current.family.transactions.active.search(@q)
+    @search = Transaction::Search.new(Current.family, filters: @q)
 
-    set_focused_record(transactions_query, params[:focused_record_id], default_per_page: 50)
+    base_scope = @search.transactions_scope
+                       .reverse_chronological
+                       .includes(
+                         { entry: :account },
+                         :category, :merchant, :tags,
+                         :transfer_as_inflow, :transfer_as_outflow
+                       )
 
-    @pagy, @transactions = pagy(
-      transactions_query.includes(
-        { entry: :account },
-        :category, :merchant, :tags,
-        transfer_as_outflow: { inflow_transaction: { entry: :account } },
-        transfer_as_inflow: { outflow_transaction: { entry: :account } }
-      ).reverse_chronological,
-      limit: params[:per_page].presence || default_params[:per_page],
-      params: ->(params) { params.except(:focused_record_id) }
-    )
-
-    # -------------------------------------------------------------------
-    # Cache totals
-    # -------------------------------------------------------------------
-    # Totals calculation is expensive (heavy SQL with grouping). We cache the
-    # result keyed by:
-    #   • Family id
-    #   • The family-level cache key that already embeds entries.maximum(:updated_at)
-    #   • A digest of the current search params so each distinct filter set gets
-    #     its own cache entry.
-    # When any entry is created/updated/deleted, the family cache key changes,
-    # automatically invalidating all related totals.
-
-    params_digest = Digest::MD5.hexdigest(@q.to_json)
-    cache_key     = Current.family.build_cache_key("transactions_totals_#{params_digest}")
-
-    @totals = Rails.cache.fetch(cache_key) do
-      Current.family.income_statement.totals(transactions_scope: transactions_query)
-    end
+    @pagy, @transactions = pagy(base_scope, limit: per_page)
   end
 
   def clear_filter
@@ -66,6 +44,10 @@ class TransactionsController < ApplicationController
     end
 
     updated_params["q"] = q_params.presence
+
+    # Add flag to indicate filters were explicitly cleared
+    updated_params["filter_cleared"] = "1" if updated_params["q"].blank?
+
     Current.session.update!(prev_transaction_page_params: updated_params)
 
     redirect_to transactions_path(updated_params)
@@ -127,6 +109,10 @@ class TransactionsController < ApplicationController
   end
 
   private
+    def per_page
+      params[:per_page].to_i.positive? ? params[:per_page].to_i : 20
+    end
+
     def needs_rule_notification?(transaction)
       return false if Current.user.rule_prompts_disabled
 
@@ -142,7 +128,7 @@ class TransactionsController < ApplicationController
     def entry_params
       entry_params = params.require(:entry).permit(
         :name, :date, :amount, :currency, :excluded, :notes, :nature, :entryable_type,
-        entryable_attributes: [ :id, :category_id, :merchant_id, { tag_ids: [] } ]
+        entryable_attributes: [ :id, :category_id, :merchant_id, :kind, { tag_ids: [] } ]
       )
 
       nature = entry_params.delete(:nature)
@@ -159,7 +145,8 @@ class TransactionsController < ApplicationController
       cleaned_params = params.fetch(:q, {})
               .permit(
                 :start_date, :end_date, :search, :amount,
-                :amount_operator, accounts: [], account_ids: [],
+                :amount_operator, :active_accounts_only,
+                accounts: [], account_ids: [],
                 categories: [], merchants: [], types: [], tags: []
               )
               .to_h
@@ -167,36 +154,6 @@ class TransactionsController < ApplicationController
 
       cleaned_params.delete(:amount_operator) unless cleaned_params[:amount].present?
 
-      # -------------------------------------------------------------------
-      # Performance optimisation
-      # -------------------------------------------------------------------
-      # When a user lands on the Transactions page without an explicit date
-      # filter, the previous behaviour queried *all* historical transactions
-      # for the family.  For large datasets this results in very expensive
-      # SQL (as shown in Skylight) – particularly the aggregation queries
-      # used for @totals.  To keep the UI responsive while still showing a
-      # sensible period of activity, we fall back to the user's preferred
-      # default period (stored on User#default_period, defaulting to
-      # "last_30_days") when **no** date filters have been supplied.
-      #
-      # This effectively changes the default view from "all-time" to a
-      # rolling window, dramatically reducing the rows scanned / grouped in
-      # Postgres without impacting the UX (the user can always clear the
-      # filter).
-      # -------------------------------------------------------------------
-      if cleaned_params[:start_date].blank? && cleaned_params[:end_date].blank?
-        period_key = Current.user&.default_period.presence || "last_30_days"
-
-        begin
-          period = Period.from_key(period_key)
-          cleaned_params[:start_date] = period.start_date
-          cleaned_params[:end_date]   = period.end_date
-        rescue Period::InvalidKeyError
-          # Fallback – should never happen but keeps things safe.
-          cleaned_params[:start_date] = 30.days.ago.to_date
-          cleaned_params[:end_date]   = Date.current
-        end
-      end
 
       cleaned_params
     end
@@ -205,9 +162,9 @@ class TransactionsController < ApplicationController
       if should_restore_params?
         params_to_restore = {}
 
-        params_to_restore[:q] = stored_params["q"].presence || default_params[:q]
-        params_to_restore[:page] = stored_params["page"].presence || default_params[:page]
-        params_to_restore[:per_page] = stored_params["per_page"].presence || default_params[:per_page]
+        params_to_restore[:q] = stored_params["q"].presence || {}
+        params_to_restore[:page] = stored_params["page"].presence || 1
+        params_to_restore[:per_page] = stored_params["per_page"].presence || 50
 
         redirect_to transactions_path(params_to_restore)
       else
@@ -228,12 +185,4 @@ class TransactionsController < ApplicationController
     def stored_params
       Current.session.prev_transaction_page_params
     end
-
-    def default_params
-      {
-        q: {},
-        page: 1,
-        per_page: 50
-      }
-    end
 end

app/controllers/transfer_matches_controller.rb

@@ -2,13 +2,18 @@ class TransferMatchesController < ApplicationController
   before_action :set_entry
 
   def new
-    @accounts = Current.family.accounts.alphabetically.where.not(id: @entry.account_id)
+    @accounts = Current.family.accounts.visible.alphabetically.where.not(id: @entry.account_id)
     @transfer_match_candidates = @entry.transaction.transfer_match_candidates
   end
 
   def create
     @transfer = build_transfer
-    @transfer.save!
+    Transfer.transaction do
+      @transfer.save!
+      @transfer.outflow_transaction.update!(kind: Transfer.kind_for_account(@transfer.outflow_transaction.entry.account))
+      @transfer.inflow_transaction.update!(kind: "funds_movement")
+    end
+
     @transfer.sync_account_later
 
     redirect_back_or_to transactions_path, notice: "Transfer created"

app/controllers/transfers_controller.rb

@@ -1,5 +1,7 @@
 class TransfersController < ApplicationController
-  before_action :set_transfer, only: %i[destroy show update]
+  include StreamExtensions
+
+  before_action :set_transfer, only: %i[show destroy update]
 
   def new
     @transfer = Transfer.new
@@ -10,25 +12,19 @@ class TransfersController < ApplicationController
   end
 
   def create
-    from_account = Current.family.accounts.find(transfer_params[:from_account_id])
-    to_account = Current.family.accounts.find(transfer_params[:to_account_id])
-
-    @transfer = Transfer.from_accounts(
-      from_account: from_account,
-      to_account: to_account,
+    @transfer = Transfer::Creator.new(
+      family: Current.family,
+      source_account_id: transfer_params[:from_account_id],
+      destination_account_id: transfer_params[:to_account_id],
       date: transfer_params[:date],
       amount: transfer_params[:amount].to_d
-    )
-
-    if @transfer.save
-      @transfer.sync_account_later
-
-      flash[:notice] = t(".success")
+    ).create
 
+    if @transfer.persisted?
+      success_message = "Transfer created"
       respond_to do |format|
-        format.html { redirect_back_or_to transactions_path }
-        redirect_target_url = request.referer || transactions_path
-        format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, redirect_target_url) }
+        format.html { redirect_back_or_to transactions_path, notice: success_message }
+        format.turbo_stream { stream_redirect_back_or_to transactions_path, notice: success_message }
       end
     else
       render :new, status: :unprocessable_entity
@@ -54,9 +50,11 @@ class TransfersController < ApplicationController
 
   private
     def set_transfer
-      @transfer = Transfer.find(params[:id])
-
-      raise ActiveRecord::RecordNotFound unless @transfer.belongs_to_family?(Current.family)
+      # Finds the transfer and ensures the family owns it
+      @transfer = Transfer
+                    .where(id: params[:id])
+                    .where(inflow_transaction_id: Current.family.transactions.select(:id))
+                    .first
     end
 
     def transfer_params

app/controllers/valuations_controller.rb

@@ -1,30 +1,70 @@
 class ValuationsController < ApplicationController
-  include EntryableResource
+  include EntryableResource, StreamExtensions
+
+  def confirm_create
+    @account = Current.family.accounts.find(params.dig(:entry, :account_id))
+    @entry = @account.entries.build(entry_params.merge(currency: @account.currency))
+
+    @reconciliation_dry_run = @entry.account.create_reconciliation(
+      balance: entry_params[:amount],
+      date: entry_params[:date],
+      dry_run: true
+    )
+
+    render :confirm_create
+  end
+
+  def confirm_update
+    @entry = Current.family.entries.find(params[:id])
+    @account = @entry.account
+    @entry.assign_attributes(entry_params.merge(currency: @account.currency))
+
+    @reconciliation_dry_run = @entry.account.update_reconciliation(
+      @entry,
+      balance: entry_params[:amount],
+      date: entry_params[:date],
+      dry_run: true
+    )
+
+    render :confirm_update
+  end
 
   def create
     account = Current.family.accounts.find(params.dig(:entry, :account_id))
-    @entry = account.entries.new(entry_params.merge(entryable: Valuation.new))
 
-    if @entry.save
-      @entry.sync_account_later
-
-      flash[:notice] = "Balance created"
+    result = account.create_reconciliation(
+      balance: entry_params[:amount],
+      date: entry_params[:date],
+    )
 
+    if result.success?
       respond_to do |format|
-        format.html { redirect_back_or_to account_path(@entry.account) }
-        format.turbo_stream { stream_redirect_back_or_to(account_path(@entry.account)) }
+        format.html { redirect_back_or_to account_path(account), notice: "Account updated" }
+        format.turbo_stream { stream_redirect_back_or_to(account_path(account), notice: "Account updated") }
       end
     else
+      @error_message = result.error_message
       render :new, status: :unprocessable_entity
     end
   end
 
   def update
-    if @entry.update(entry_params)
-      @entry.sync_account_later
+    # Notes updating is independent of reconciliation, just a simple CRUD operation
+    @entry.update!(notes: entry_params[:notes]) if entry_params[:notes].present?
+
+    if entry_params[:date].present? && entry_params[:amount].present?
+      result = @entry.account.update_reconciliation(
+        @entry,
+        balance: entry_params[:amount],
+        date: entry_params[:date],
+      )
+    end
+
+    if result.nil? || result.success?
+      @entry.reload
 
       respond_to do |format|
-        format.html { redirect_back_or_to account_path(@entry.account), notice: "Balance updated" }
+        format.html { redirect_back_or_to account_path(@entry.account), notice: "Entry updated" }
         format.turbo_stream do
           render turbo_stream: [
             turbo_stream.replace(
@@ -37,13 +77,13 @@ class ValuationsController < ApplicationController
         end
       end
     else
+      @error_message = result.error_message
       render :show, status: :unprocessable_entity
     end
   end
 
   private
     def entry_params
-      params.require(:entry)
-            .permit(:name, :date, :amount, :currency, :notes)
+      params.require(:entry).permit(:date, :amount, :notes)
     end
 end

app/data_migrations/balance_component_migrator.rb

@@ -0,0 +1,59 @@
+class BalanceComponentMigrator
+  def self.run
+    ActiveRecord::Base.transaction do
+      # Step 1: Update flows factor
+      ActiveRecord::Base.connection.execute <<~SQL
+        UPDATE balances SET
+          flows_factor = CASE WHEN a.classification = 'asset' THEN 1 ELSE -1 END
+        FROM accounts a
+        WHERE a.id = balances.account_id
+      SQL
+
+      # Step 2: Set start values using LOCF (Last Observation Carried Forward)
+      ActiveRecord::Base.connection.execute <<~SQL
+        UPDATE balances b1
+        SET
+          start_cash_balance = COALESCE(prev.cash_balance, 0),
+          start_non_cash_balance = COALESCE(prev.balance - prev.cash_balance, 0)
+        FROM balances b1_inner
+        LEFT JOIN LATERAL (
+          SELECT
+            b2.cash_balance,
+            b2.balance
+          FROM balances b2
+          WHERE b2.account_id = b1_inner.account_id
+          AND b2.currency = b1_inner.currency
+          AND b2.date < b1_inner.date
+          ORDER BY b2.date DESC
+          LIMIT 1
+        ) prev ON true
+        WHERE b1.id = b1_inner.id
+      SQL
+
+      # Step 3: Calculate net inflows
+      # A slight workaround to the fact that we can't easily derive inflows/outflows from our current data model, and
+      # the tradeoff not worth it since each new sync will fix it. So instead, we sum up *net* flows, and throw the signed
+      # amount in the "inflows" column, and zero-out the "outflows" column so our math works correctly with incomplete data.
+      ActiveRecord::Base.connection.execute <<~SQL
+        UPDATE balances SET
+          cash_inflows = (cash_balance - start_cash_balance) * flows_factor,
+          cash_outflows = 0,
+          non_cash_inflows = ((balance - cash_balance) - start_non_cash_balance) * flows_factor,
+          non_cash_outflows = 0,
+          net_market_flows = 0
+      SQL
+
+      # Verify data integrity
+      # All end_balance values should match the original balance
+      invalid_count = ActiveRecord::Base.connection.select_value(<<~SQL)
+        SELECT COUNT(*)
+        FROM balances b
+        WHERE ABS(b.balance - b.end_balance) > 0.0001
+      SQL
+
+      if invalid_count > 0
+        raise "Data migration failed validation: #{invalid_count} balances have incorrect end_balance values"
+      end
+    end
+  end
+end

app/helpers/application_helper.rb

@@ -21,7 +21,7 @@ module ApplicationHelper
     if custom
       inline_svg_tag("#{key}.svg", class: icon_classes, **opts)
     elsif as_button
-      render ButtonComponent.new(variant: "icon", class: extra_classes, icon: key, size: size, type: "button", **opts)
+      render DS::Button.new(variant: "icon", class: extra_classes, icon: key, size: size, type: "button", **opts)
     else
       lucide_icon(key, class: icon_classes, **opts)
     end
@@ -110,7 +110,13 @@ module ApplicationHelper
 
   private
     def calculate_total(item, money_method, negate)
-      items = item.reject { |i| i.respond_to?(:entryable) && i.entryable.transfer? }
+      # Filter out transfer-type transactions from entries
+      # Only Entry objects have entryable transactions, Account objects don't
+      items = item.reject do |i|
+        i.is_a?(Entry) &&
+        i.entryable.is_a?(Transaction) &&
+        i.entryable.transfer?
+      end
       total = items.sum(&money_method)
       negate ? -total : total
     end

app/helpers/settings_helper.rb

@@ -1,18 +1,19 @@
 module SettingsHelper
   SETTINGS_ORDER = [
-    { name: I18n.t("settings.settings_nav.profile_label"), path: :settings_profile_path },
-    { name: I18n.t("settings.settings_nav.preferences_label"), path: :settings_preferences_path },
-    { name: I18n.t("settings.settings_nav.security_label"), path: :settings_security_path },
-    { name: I18n.t("settings.settings_nav.self_hosting_label"), path: :settings_hosting_path, condition: :self_hosted? },
-    { name: I18n.t("settings.settings_nav.billing_label"), path: :settings_billing_path, condition: :not_self_hosted? },
-    { name: I18n.t("settings.settings_nav.accounts_label"), path: :accounts_path },
-    { name: I18n.t("settings.settings_nav.imports_label"), path: :imports_path },
-    { name: I18n.t("settings.settings_nav.tags_label"), path: :tags_path },
-    { name: I18n.t("settings.settings_nav.categories_label"), path: :categories_path },
+    { name: "Account", path: :settings_profile_path },
+    { name: "Preferences", path: :settings_preferences_path },
+    { name: "Security", path: :settings_security_path },
+    { name: "Self hosting", path: :settings_hosting_path, condition: :self_hosted? },
+    { name: "API Key", path: :settings_api_key_path },
+    { name: "Billing", path: :settings_billing_path, condition: :not_self_hosted? },
+    { name: "Accounts", path: :accounts_path },
+    { name: "Imports", path: :imports_path },
+    { name: "Tags", path: :tags_path },
+    { name: "Categories", path: :categories_path },
     { name: "Rules", path: :rules_path },
-    { name: I18n.t("settings.settings_nav.merchants_label"), path: :family_merchants_path },
-    { name: I18n.t("settings.settings_nav.whats_new_label"), path: :changelog_path },
-    { name: I18n.t("settings.settings_nav.feedback_label"), path: :feedback_path }
+    { name: "Merchants", path: :family_merchants_path },
+    { name: "What's new", path: :changelog_path },
+    { name: "Feedback", path: :feedback_path }
   ]
 
   def adjacent_setting(current_path, offset)

app/helpers/styled_form_builder.rb

@@ -1,42 +1,38 @@
 class StyledFormBuilder < ActionView::Helpers::FormBuilder
-  # Fields that visually inherit from "text field"
   class_attribute :text_field_helpers, default: field_helpers - [ :label, :check_box, :radio_button, :fields_for, :fields, :hidden_field, :file_field ]
 
-  # Wraps "text" inputs with custom structure + base styles
   text_field_helpers.each do |selector|
     class_eval <<-RUBY_EVAL, __FILE__, __LINE__ + 1
       def #{selector}(method, options = {})
-        merged_options = { class: "form-field__input" }.merge(options)
-        label = build_label(method, options)
-        field = super(method, merged_options)
+        form_options = options.slice(:label, :label_tooltip, :inline, :container_class, :required)
+        html_options = options.except(:label, :label_tooltip, :inline, :container_class)
 
-        build_styled_field(label, field, merged_options)
+        build_field(method, form_options, html_options) do |merged_options|
+          super(method, merged_options)
+        end
       end
     RUBY_EVAL
   end
 
   def radio_button(method, tag_value, options = {})
     merged_options = { class: "form-field__radio" }.merge(options)
-
     super(method, tag_value, merged_options)
   end
 
   def select(method, choices, options = {}, html_options = {})
-    merged_html_options = { class: "form-field__input" }.merge(html_options)
+    field_options = normalize_options(options, html_options)
 
-    label = build_label(method, options.merge(required: merged_html_options[:required]))
-    field = super(method, choices, options, merged_html_options)
-
-    build_styled_field(label, field, options, remove_padding_right: true)
+    build_field(method, field_options, html_options) do |merged_html_options|
+      super(method, choices, options, merged_html_options)
+    end
   end
 
   def collection_select(method, collection, value_method, text_method, options = {}, html_options = {})
-    merged_html_options = { class: "form-field__input" }.merge(html_options)
+    field_options = normalize_options(options, html_options)
 
-    label = build_label(method, options.merge(required: merged_html_options[:required]))
-    field = super(method, collection, value_method, text_method, options, merged_html_options)
-
-    build_styled_field(label, field, options, remove_padding_right: true)
+    build_field(method, field_options, html_options) do |merged_html_options|
+      super(method, collection, value_method, text_method, options, merged_html_options)
+    end
   end
 
   def money_field(amount_method, options = {})
@@ -48,22 +44,15 @@ class StyledFormBuilder < ActionView::Helpers::FormBuilder
     }
   end
 
-  # A custom styled "toggle" switch input.  Underlying input is a `check_box` (uses same API)
   def toggle(method, options = {}, checked_value = "1", unchecked_value = "0")
-    if object
-      id = "#{object.id}_#{object_name}_#{method}"
-      name = "#{object_name}[#{method}]"
-      checked = object.send(method)
-    else
-      id = "#{method}_toggle_id"
-      name = method
-      checked = options[:checked]
-    end
+    field_id = field_id(method)
+    field_name = field_name(method)
+    checked = object ? object.send(method) : options[:checked]
 
     @template.render(
-      ToggleComponent.new(
-        id: id,
-        name: name,
+      DS::Toggle.new(
+        id: field_id,
+        name: field_name,
         checked: checked,
         disabled: options[:disabled],
         checked_value: checked_value,
@@ -74,12 +63,11 @@ class StyledFormBuilder < ActionView::Helpers::FormBuilder
   end
 
   def submit(value = nil, options = {})
-    # Rails superclass logic to extract the submit text
     value, options = nil, value if value.is_a?(Hash)
     value ||= submit_default_value
 
     @template.render(
-      ButtonComponent.new(
+      DS::Button.new(
         text: value,
         data: (options[:data] || {}).merge({ turbo_submits_with: "Submitting..." }),
         full_width: true
@@ -88,16 +76,39 @@ class StyledFormBuilder < ActionView::Helpers::FormBuilder
   end
 
   private
-    def build_styled_field(label, field, options, remove_padding_right: false)
-      if options[:inline]
-        label + field
-      else
-        @template.tag.div class: [ "form-field", options[:container_class], ("pr-0" if remove_padding_right) ] do
-          label + field
+    def build_field(method, options = {}, html_options = {}, &block)
+      if options[:inline] || options[:label] == false
+        return yield({ class: "form-field__input" }.merge(html_options))
+      end
+
+      label_element = build_label(method, options)
+      field_element = yield({ class: "form-field__input" }.merge(html_options))
+
+      container_classes = [ "form-field", options[:container_class] ].compact
+
+      @template.tag.div class: container_classes do
+        if options[:label_tooltip]
+          @template.tag.div(class: "form-field__header") do
+            label_element +
+            @template.tag.div(class: "form-field__actions") do
+              build_tooltip(options[:label_tooltip])
+            end
+          end +
+          @template.tag.div(class: "form-field__body") do
+            field_element
+          end
+        else
+          @template.tag.div(class: "form-field__body") do
+            label_element + field_element
+          end
         end
       end
     end
 
+    def normalize_options(options, html_options)
+      options.merge(required: options[:required] || html_options[:required])
+    end
+
     def build_label(method, options)
       return "".html_safe unless options[:label]
 
@@ -113,4 +124,15 @@ class StyledFormBuilder < ActionView::Helpers::FormBuilder
       return label(method, class: "form-field__label") if label_text == true
       label(method, label_text, class: "form-field__label")
     end
+
+    def build_tooltip(tooltip_text)
+      return nil unless tooltip_text
+
+      @template.tag.div(data: { controller: "tooltip" }) do
+        @template.safe_join([
+          @template.icon("help-circle", size: "sm", color: "default", class: "cursor-help"),
+          @template.tag.div(tooltip_text, role: "tooltip", data: { tooltip_target: "tooltip" }, class: "tooltip bg-gray-700 text-sm p-2 rounded w-64 text-white")
+        ])
+      end
+    end
 end

app/javascript/controllers/auto_submit_form_controller.js

@@ -10,16 +10,14 @@ export default class extends Controller {
 
   connect() {
     this.autoTargets.forEach((element) => {
-      const event =
-        element.dataset.autosubmitTriggerEvent || this.triggerEventValue;
+      const event = this.#getTriggerEvent(element);
       element.addEventListener(event, this.handleInput);
     });
   }
 
   disconnect() {
     this.autoTargets.forEach((element) => {
-      const event =
-        element.dataset.autosubmitTriggerEvent || this.triggerEventValue;
+      const event = this.#getTriggerEvent(element);
       element.removeEventListener(event, this.handleInput);
     });
   }
@@ -33,6 +31,50 @@ export default class extends Controller {
     }, this.#debounceTimeout(target));
   };
 
+  #getTriggerEvent(element) {
+    // Check if element has explicit trigger event set
+    if (element.dataset.autosubmitTriggerEvent) {
+      return element.dataset.autosubmitTriggerEvent;
+    }
+
+    // Check if form has explicit trigger event set
+    if (this.triggerEventValue !== "input") {
+      return this.triggerEventValue;
+    }
+
+    // Otherwise, choose trigger event based on element type
+    const type = element.type || element.tagName;
+
+    switch (type.toLowerCase()) {
+      case "text":
+      case "email":
+      case "password":
+      case "search":
+      case "tel":
+      case "url":
+      case "textarea":
+        return "blur";
+      case "number":
+      case "date":
+      case "datetime-local":
+      case "month":
+      case "time":
+      case "week":
+      case "color":
+        return "change";
+      case "checkbox":
+      case "radio":
+      case "select":
+      case "select-one":
+      case "select-multiple":
+        return "change";
+      case "range":
+        return "input";
+      default:
+        return "blur";
+    }
+  }
+
   #debounceTimeout(element) {
     if (element.dataset.autosubmitDebounceTimeout) {
       return Number.parseInt(element.dataset.autosubmitDebounceTimeout);

app/javascript/controllers/focus_record_controller.js

@@ -1,21 +0,0 @@
-import { Controller } from "@hotwired/stimulus";
-
-// Connects to data-controller="focus-record"
-export default class extends Controller {
-  static values = {
-    id: String,
-  };
-
-  connect() {
-    const element = document.getElementById(this.idValue);
-
-    if (element) {
-      element.scrollIntoView({ behavior: "smooth" });
-
-      // Remove the focused_record_id parameter from URL
-      const url = new URL(window.location);
-      url.searchParams.delete("focused_record_id");
-      window.history.replaceState({}, "", url);
-    }
-  }
-}

app/javascript/controllers/time_series_chart_controller.js

@@ -508,15 +508,57 @@ export default class extends Controller {
   }
 
   get _d3YScale() {
-    const reductionPercent = this.useLabelsValue ? 0.3 : 0.05;
     const dataMin = d3.min(this._normalDataPoints, this._getDatumValue);
     const dataMax = d3.max(this._normalDataPoints, this._getDatumValue);
-    const padding = (dataMax - dataMin) * reductionPercent;
+
+    // Handle edge case where all values are the same
+    if (dataMin === dataMax) {
+      const padding = dataMax === 0 ? 100 : Math.abs(dataMax) * 0.5;
+      return d3
+        .scaleLinear()
+        .rangeRound([this._d3ContainerHeight, 0])
+        .domain([dataMin - padding, dataMax + padding]);
+    }
+
+    const dataRange = dataMax - dataMin;
+    const avgValue = (dataMax + dataMin) / 2;
+
+    // Calculate relative change as a percentage
+    const relativeChange = avgValue !== 0 ? dataRange / Math.abs(avgValue) : 1;
+
+    // Dynamic baseline calculation
+    let yMin;
+    let yMax;
+
+    // For small relative changes (< 10%), use a tighter scale
+    if (relativeChange < 0.1 && dataMin > 0) {
+      // Start axis at a percentage below the minimum, not at 0
+      const baselinePadding = dataRange * 2; // Show 2x the data range below min
+      yMin = Math.max(0, dataMin - baselinePadding);
+      yMax = dataMax + dataRange * 0.5; // Add 50% padding above
+    } else {
+      // For larger changes or when data crosses zero, use more context
+      // Always include 0 when data is negative or close to 0
+      if (dataMin < 0 || (dataMin >= 0 && dataMin < avgValue * 0.1)) {
+        yMin = Math.min(0, dataMin * 1.1);
+      } else {
+        // Otherwise use dynamic baseline
+        yMin = dataMin - dataRange * 0.3;
+      }
+      yMax = dataMax + dataRange * 0.1;
+    }
+
+    // Adjust padding for labels if needed
+    if (this.useLabelsValue) {
+      const extraPadding = (yMax - yMin) * 0.1;
+      yMin -= extraPadding;
+      yMax += extraPadding;
+    }
 
     return d3
       .scaleLinear()
       .rangeRound([this._d3ContainerHeight, 0])
-      .domain([dataMin - padding, dataMax + padding]);
+      .domain([yMin, yMax]);
   }
 
   _setupResizeObserver() {

app/javascript/controllers/turbo_frame_timeout_controller.js

@@ -0,0 +1,42 @@
+import { Controller } from "@hotwired/stimulus"
+
+// Connects to data-controller="turbo-frame-timeout"
+export default class extends Controller {
+  static values = { timeout: { type: Number, default: 10000 } }
+
+  connect() {
+    this.timeoutId = setTimeout(() => {
+      this.handleTimeout()
+    }, this.timeoutValue)
+
+    // Listen for successful frame loads to clear timeout
+    this.element.addEventListener("turbo:frame-load", this.clearTimeout.bind(this))
+  }
+
+  disconnect() {
+    this.clearTimeout()
+  }
+
+  clearTimeout() {
+    if (this.timeoutId) {
+      clearTimeout(this.timeoutId)
+      this.timeoutId = null
+    }
+  }
+
+  handleTimeout() {
+    // Replace loading content with error state
+    this.element.innerHTML = `
+      <div class="flex items-center justify-end gap-1">
+        <div class="w-8 h-4 flex items-center justify-center">
+          <svg xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="text-warning">
+            <path d="m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3Z"/>
+            <path d="M12 9v4"/>
+            <path d="m12 17 .01 0"/>
+          </svg>
+        </div>
+        <p class="font-mono text-right text-xs text-warning">Timeout</p>
+      </div>
+    `
+  }
+} 

app/jobs/family_data_export_job.rb

@@ -0,0 +1,22 @@
+class FamilyDataExportJob < ApplicationJob
+  queue_as :default
+
+  def perform(family_export)
+    family_export.update!(status: :processing)
+
+    exporter = Family::DataExporter.new(family_export.family)
+    zip_file = exporter.generate_export
+
+    family_export.export_file.attach(
+      io: zip_file,
+      filename: family_export.filename,
+      content_type: "application/zip"
+    )
+
+    family_export.update!(status: :completed)
+  rescue => e
+    Rails.logger.error "Family export failed: #{e.message}"
+    Rails.logger.error e.backtrace.join("\n")
+    family_export.update!(status: :failed)
+  end
+end

app/jobs/import_market_data_job.rb

@@ -11,6 +11,8 @@ class ImportMarketDataJob < ApplicationJob
   queue_as :scheduled
 
   def perform(opts)
+    return if Rails.env.development?
+
     opts = opts.symbolize_keys
     mode = opts.fetch(:mode, :full)
     clear_cache = opts.fetch(:clear_cache, false)

app/jobs/security_health_check_job.rb

@@ -2,6 +2,8 @@ class SecurityHealthCheckJob < ApplicationJob
   queue_as :scheduled
 
   def perform
+    return if Rails.env.development?
+
     Security::HealthChecker.check_all
   end
 end

app/models/account.rb

@@ -1,5 +1,5 @@
 class Account < ApplicationRecord
-  include Syncable, Monetizable, Chartable, Linkable, Enrichable
+  include AASM, Syncable, Monetizable, Chartable, Linkable, Enrichable, Anchorable, Reconcileable
 
   validates :name, :balance, :currency, presence: true
 
@@ -18,7 +18,7 @@ class Account < ApplicationRecord
 
   enum :classification, { asset: "asset", liability: "liability" }, validate: { allow_nil: true }
 
-  scope :active, -> { where(is_active: true) }
+  scope :visible, -> { where(status: [ "draft", "active" ]) }
   scope :assets, -> { where(classification: "asset") }
   scope :liabilities, -> { where(classification: "liability") }
   scope :alphabetically, -> { order(:name) }
@@ -30,30 +30,42 @@ class Account < ApplicationRecord
 
   accepts_nested_attributes_for :accountable, update_only: true
 
+  # Account state machine
+  aasm column: :status, timestamps: true do
+    state :active, initial: true
+    state :draft
+    state :disabled
+    state :pending_deletion
+
+    event :activate do
+      transitions from: [ :draft, :disabled ], to: :active
+    end
+
+    event :disable do
+      transitions from: [ :draft, :active ], to: :disabled
+    end
+
+    event :enable do
+      transitions from: :disabled, to: :active
+    end
+
+    event :mark_for_deletion do
+      transitions from: [ :draft, :active, :disabled ], to: :pending_deletion
+    end
+  end
+
   class << self
     def create_and_sync(attributes)
       attributes[:accountable_attributes] ||= {} # Ensure accountable is created, even if empty
       account = new(attributes.merge(cash_balance: attributes[:balance]))
-      initial_balance = attributes.dig(:accountable_attributes, :initial_balance)&.to_d || 0
+      initial_balance = attributes.dig(:accountable_attributes, :initial_balance)&.to_d
 
       transaction do
-        # Create 2 valuations for new accounts to establish a value history for users to see
-        account.entries.build(
-          name: "Current Balance",
-          date: Date.current,
-          amount: account.balance,
-          currency: account.currency,
-          entryable: Valuation.new
-        )
-        account.entries.build(
-          name: "Initial Balance",
-          date: 1.day.ago.to_date,
-          amount: initial_balance,
-          currency: account.currency,
-          entryable: Valuation.new
-        )
-
         account.save!
+
+        manager = Account::OpeningBalanceManager.new(account)
+        result = manager.set_opening_balance(balance: initial_balance || account.balance)
+        raise result.error if result.error
       end
 
       account.sync_later
@@ -61,18 +73,6 @@ class Account < ApplicationRecord
     end
   end
 
-  def syncing?
-    self_syncing = syncs.visible.any?
-
-    # Since Plaid Items sync as a "group", if the item is syncing, even if the account
-    # sync hasn't yet started (i.e. we're still fetching the Plaid data), show it as syncing in UI.
-    if linked?
-      plaid_account&.plaid_item&.syncing? || self_syncing
-    else
-      self_syncing
-    end
-  end
-
   def institution_domain
     url_string = plaid_account&.plaid_item&.institution_url
     return nil unless url_string.present?
@@ -89,57 +89,29 @@ class Account < ApplicationRecord
   end
 
   def destroy_later
-    update!(scheduled_for_deletion: true, is_active: false)
+    mark_for_deletion!
     DestroyJob.perform_later(self)
   end
 
+  # Override destroy to handle error recovery for accounts
+  def destroy
+    super
+  rescue => e
+    # If destruction fails, transition back to disabled state
+    # This provides a cleaner recovery path than the generic scheduled_for_deletion flag
+    disable! if may_disable?
+    raise e
+  end
+
   def current_holdings
-    holdings.where(currency: currency, date: holdings.maximum(:date)).order(amount: :desc)
-  end
-
-  def update_with_sync!(attributes)
-    should_update_balance = attributes[:balance] && attributes[:balance].to_d != balance
-
-    initial_balance = attributes.dig(:accountable_attributes, :initial_balance)
-    should_update_initial_balance = initial_balance && initial_balance.to_d != accountable.initial_balance
-
-    transaction do
-      update!(attributes)
-      update_balance!(attributes[:balance]) if should_update_balance
-      update_inital_balance!(attributes[:accountable_attributes][:initial_balance]) if should_update_initial_balance
-    end
-
-    sync_later
-  end
-
-  def update_balance!(balance)
-    valuation = entries.valuations.find_by(date: Date.current)
-
-    if valuation
-      valuation.update! amount: balance
-    else
-      entries.create! \
-        date: Date.current,
-        name: "Balance update",
-        amount: balance,
-        currency: currency,
-        entryable: Valuation.new
-    end
-  end
-
-  def update_inital_balance!(initial_balance)
-    valuation = first_valuation
-
-    if valuation
-      valuation.update! amount: initial_balance
-    else
-      entries.create! \
-        date: Date.current,
-        name: "Initial Balance",
-        amount: initial_balance,
-        currency: currency,
-        entryable: Valuation.new
-    end
+    holdings.where(currency: currency)
+            .where.not(qty: 0)
+            .where(
+              id: holdings.select("DISTINCT ON (security_id) id")
+                          .where(currency: currency)
+                          .order(:security_id, date: :desc)
+            )
+            .order(amount: :desc)
   end
 
   def start_date
@@ -169,4 +141,23 @@ class Account < ApplicationRecord
   def long_subtype_label
     accountable_class.long_subtype_label_for(subtype) || accountable_class.display_name
   end
+
+  # The balance type determines which "component" of balance is being tracked.
+  # This is primarily used for balance related calculations and updates.
+  #
+  # "Cash" = "Liquid"
+  # "Non-cash" = "Illiquid"
+  # "Investment" = A mix of both, including brokerage cash (liquid) and holdings (illiquid)
+  def balance_type
+    case accountable_type
+    when "Depository", "CreditCard"
+      :cash
+    when "Property", "Vehicle", "OtherAsset", "Loan", "OtherLiability"
+      :non_cash
+    when "Investment", "Crypto"
+      :investment
+    else
+      raise "Unknown account type: #{accountable_type}"
+    end
+  end
 end

app/models/account/activity_feed_data.rb

@@ -0,0 +1,85 @@
+# Data used to build the paginated feed of account "activity" (events like transfers, deposits, withdrawals, etc.)
+# This data object is useful for avoiding N+1 queries and having an easy way to pass around the required data to the
+# activity feed component in controllers and background jobs that refresh it.
+class Account::ActivityFeedData
+  ActivityDateData = Data.define(:date, :entries, :balance, :transfers)
+
+  attr_reader :account, :entries
+
+  def initialize(account, entries)
+    @account = account
+    @entries = entries.to_a
+  end
+
+  def entries_by_date
+    @entries_by_date_objects ||= begin
+      grouped_entries.map do |date, date_entries|
+        ActivityDateData.new(
+          date: date,
+          entries: date_entries,
+          balance: balance_for_date(date),
+          transfers: transfers_for_date(date)
+        )
+      end
+    end
+  end
+
+  private
+    def balance_for_date(date)
+      balances_by_date[date]
+    end
+
+    def transfers_for_date(date)
+      transfers_by_date[date] || []
+    end
+
+    def grouped_entries
+      @grouped_entries ||= entries.group_by(&:date)
+    end
+
+    def balances_by_date
+      @balances_by_date ||= begin
+        return {} if entries.empty?
+
+        dates = grouped_entries.keys
+        account.balances
+          .where(date: dates, currency: account.currency)
+          .index_by(&:date)
+      end
+    end
+
+    def transfers_by_date
+      @transfers_by_date ||= begin
+        return {} if transaction_ids.empty?
+
+        transfers = Transfer
+          .where(inflow_transaction_id: transaction_ids)
+          .or(Transfer.where(outflow_transaction_id: transaction_ids))
+          .to_a
+
+        # Group transfers by the date of their transaction entries
+        result = Hash.new { |h, k| h[k] = [] }
+
+        entries.each do |entry|
+          next unless entry.transaction? && transaction_ids.include?(entry.entryable_id)
+
+          transfers.each do |transfer|
+            if transfer.inflow_transaction_id == entry.entryable_id ||
+               transfer.outflow_transaction_id == entry.entryable_id
+              result[entry.date] << transfer
+            end
+          end
+        end
+
+        # Remove duplicates
+        result.transform_values(&:uniq)
+      end
+    end
+
+    def transaction_ids
+      @transaction_ids ||= entries
+        .select(&:transaction?)
+        .map(&:entryable_id)
+        .compact
+    end
+end

app/models/account/anchorable.rb

@@ -0,0 +1,56 @@
+# All accounts are "anchored" with start/end valuation records, with transactions,
+# trades, and reconciliations between them.
+module Account::Anchorable
+  extend ActiveSupport::Concern
+
+  included do
+    include Monetizable
+
+    monetize :opening_balance
+  end
+
+  def set_opening_anchor_balance(**opts)
+    result = opening_balance_manager.set_opening_balance(**opts)
+    sync_later if result.success?
+    result
+  end
+
+  def opening_anchor_date
+    opening_balance_manager.opening_date
+  end
+
+  def opening_anchor_balance
+    opening_balance_manager.opening_balance
+  end
+
+  def has_opening_anchor?
+    opening_balance_manager.has_opening_anchor?
+  end
+
+  def set_current_balance(balance)
+    result = current_balance_manager.set_current_balance(balance)
+    sync_later if result.success?
+    result
+  end
+
+  def current_anchor_balance
+    current_balance_manager.current_balance
+  end
+
+  def current_anchor_date
+    current_balance_manager.current_date
+  end
+
+  def has_current_anchor?
+    current_balance_manager.has_current_anchor?
+  end
+
+  private
+    def opening_balance_manager
+      @opening_balance_manager ||= Account::OpeningBalanceManager.new(self)
+    end
+
+    def current_balance_manager
+      @current_balance_manager ||= Account::CurrentBalanceManager.new(self)
+    end
+end

app/models/account/chartable.rb

@@ -24,9 +24,9 @@ module Account::Chartable
   end
 
   def sparkline_series
-    cache_key = family.build_cache_key("#{id}_sparkline")
+    cache_key = family.build_cache_key("#{id}_sparkline", invalidate_on_data_updates: true)
 
-    Rails.cache.fetch(cache_key) do
+    Rails.cache.fetch(cache_key, expires_in: 24.hours) do
       balance_series
     end
   end

app/models/account/current_balance_manager.rb

@@ -0,0 +1,141 @@
+class Account::CurrentBalanceManager
+  InvalidOperation = Class.new(StandardError)
+
+  Result = Struct.new(:success?, :changes_made?, :error, keyword_init: true)
+
+  def initialize(account)
+    @account = account
+  end
+
+  def has_current_anchor?
+    current_anchor_valuation.present?
+  end
+
+  # Our system should always make sure there is a current anchor, and that it is up to date.
+  # The fallback is provided for backwards compatibility, but should not be relied on since account.balance is a "cached/derived" value.
+  def current_balance
+    if current_anchor_valuation
+      current_anchor_valuation.entry.amount
+    else
+      Rails.logger.warn "No current balance anchor found for account #{account.id}. Using cached balance instead, which may be out of date."
+      account.balance
+    end
+  end
+
+  def current_date
+    if current_anchor_valuation
+      current_anchor_valuation.entry.date
+    else
+      Date.current
+    end
+  end
+
+  def set_current_balance(balance)
+    if account.linked?
+      result = set_current_balance_for_linked_account(balance)
+    else
+      result = set_current_balance_for_manual_account(balance)
+    end
+
+    # Update cache field so changes appear immediately to the user
+    account.update!(balance: balance)
+
+    result
+  rescue => e
+    Result.new(success?: false, changes_made?: false, error: e.message)
+  end
+
+  private
+    attr_reader :account
+
+    def opening_balance_manager
+      @opening_balance_manager ||= Account::OpeningBalanceManager.new(account)
+    end
+
+    def reconciliation_manager
+      @reconciliation_manager ||= Account::ReconciliationManager.new(account)
+    end
+
+    # Manual accounts do not manage the `current_anchor` valuation (otherwise, user would need to continually update it, which is bad UX)
+    # Instead, we use a combination of "auto-update strategies" to set the current balance according to the user's intent.
+    #
+    # The "auto-update strategies" are:
+    # 1. Value tracking - If the account has a reconciliation already, we assume they are tracking the account value primarily with reconciliations, so we append a new one
+    # 2. Transaction adjustment - If the account doesn't have recons, we assume user is tracking with transactions, so we adjust the opening balance with a delta until it
+    #                             gets us to the desired balance. This ensures we don't append unnecessary reconciliations to the account, which "reset" the value from that
+    #                             date forward (not user's intent).
+    #
+    # For more documentation on these auto-update strategies, see the test cases.
+    def set_current_balance_for_manual_account(balance)
+      # If we're dealing with a cash account that has no reconciliations, use "Transaction adjustment" strategy (update opening balance to "back in" to the desired current balance)
+      if account.balance_type == :cash && account.valuations.reconciliation.empty?
+        adjust_opening_balance_with_delta(new_balance: balance, old_balance: account.balance)
+      else
+        existing_reconciliation = account.entries.valuations.find_by(date: Date.current)
+
+        result = reconciliation_manager.reconcile_balance(balance: balance, date: Date.current, existing_valuation_entry: existing_reconciliation)
+
+        # Normalize to expected result format
+        Result.new(success?: result.success?, changes_made?: true, error: result.error_message)
+      end
+    end
+
+    def adjust_opening_balance_with_delta(new_balance:, old_balance:)
+      delta = new_balance - old_balance
+
+      result = opening_balance_manager.set_opening_balance(balance: account.opening_anchor_balance + delta)
+
+      # Normalize to expected result format
+      Result.new(success?: result.success?, changes_made?: true, error: result.error)
+    end
+
+    # Linked accounts manage "current balance" via the special `current_anchor` valuation.
+    # This is NOT a user-facing feature, and is primarily used in "processors" while syncing
+    # linked account data (e.g. via Plaid)
+    def set_current_balance_for_linked_account(balance)
+      if current_anchor_valuation
+        changes_made = update_current_anchor(balance)
+        Result.new(success?: true, changes_made?: changes_made, error: nil)
+      else
+        create_current_anchor(balance)
+        Result.new(success?: true, changes_made?: true, error: nil)
+      end
+    end
+
+    def current_anchor_valuation
+      @current_anchor_valuation ||= account.valuations.current_anchor.includes(:entry).first
+    end
+
+    def create_current_anchor(balance)
+      account.entries.create!(
+        date: Date.current,
+        name: Valuation.build_current_anchor_name(account.accountable_type),
+        amount: balance,
+        currency: account.currency,
+        entryable: Valuation.new(kind: "current_anchor")
+      )
+    end
+
+    def update_current_anchor(balance)
+      changes_made = false
+
+      ActiveRecord::Base.transaction do
+        # Update associated entry attributes
+        entry = current_anchor_valuation.entry
+
+        if entry.amount != balance
+          entry.amount = balance
+          changes_made = true
+        end
+
+        if entry.date != Date.current
+          entry.date = Date.current
+          changes_made = true
+        end
+
+        entry.save! if entry.changed?
+      end
+
+      changes_made
+    end
+end