feat: add guarded savings agent tools

convex/balances.test.ts

@@ -0,0 +1,178 @@
+/// <reference types="vite/client" />
+
+import { convexTest } from "convex-test";
+import { makeFunctionReference } from "convex/server";
+import { describe, expect, test } from "vitest";
+import type { Id } from "./_generated/dataModel";
+import schema from "./schema";
+
+const modules = import.meta.glob("./**/*.ts");
+delete modules["./balances.test.ts"];
+
+const listLatest = makeFunctionReference<"query">("bank/balances:listLatest");
+const upsertAccountBalance = makeFunctionReference<"mutation">(
+  "bank/internal:upsertAccountBalance",
+);
+
+type LatestBalanceRow = {
+  accountId: Id<"accounts">;
+  accountName: string;
+  balance: number | null;
+  status: string;
+  errorMessage?: string;
+};
+
+async function seedBalanceFixture() {
+  const t = convexTest(schema, modules);
+
+  const seeded = await t.run(async (ctx) => {
+    const userId = await ctx.db.insert("users", {
+      name: "Balance User",
+      email: "balance@example.com",
+    });
+    const otherUserId = await ctx.db.insert("users", {
+      name: "Other User",
+      email: "other-balance@example.com",
+    });
+    const accountId = await ctx.db.insert("accounts", {
+      userId,
+      name: "Girokonto",
+      type: "giro",
+      iban: "DE89370400440532013000",
+      openingBalance: 125,
+      currency: "EUR",
+      isArchived: false,
+      externalId: "giro-1",
+    });
+    const archivedAccountId = await ctx.db.insert("accounts", {
+      userId,
+      name: "Altes Konto",
+      type: "giro",
+      openingBalance: 50,
+      currency: "EUR",
+      isArchived: true,
+      externalId: "old-1",
+    });
+    const otherAccountId = await ctx.db.insert("accounts", {
+      userId: otherUserId,
+      name: "Hidden Konto",
+      type: "giro",
+      openingBalance: 999,
+      currency: "EUR",
+      isArchived: false,
+      externalId: "hidden-1",
+    });
+
+    return { userId, accountId, archivedAccountId, otherUserId, otherAccountId };
+  });
+
+  return {
+    t,
+    seeded,
+    asUser: t.withIdentity({
+      subject: `${seeded.userId}|test-session`,
+      tokenIdentifier: `test:${seeded.userId}`,
+    }),
+  };
+}
+
+describe("bank/balances.listLatest", () => {
+  test("returns a missing state for active accounts without live balance snapshots", async () => {
+    const { asUser, seeded } = await seedBalanceFixture();
+
+    const result = await asUser.query(listLatest, {});
+
+    expect(result).toEqual([
+      {
+        accountId: seeded.accountId,
+        accountName: "Girokonto",
+        accountType: "giro",
+        iban: "DE89370400440532013000",
+        externalId: "giro-1",
+        balance: null,
+        currency: "EUR",
+        provider: null,
+        fetchedAt: null,
+        status: "missing",
+      },
+    ]);
+  });
+
+  test("returns the newest live balance without mutating openingBalance", async () => {
+    const { t, asUser, seeded } = await seedBalanceFixture();
+
+    await t.mutation(upsertAccountBalance, {
+      userId: seeded.userId,
+      accountId: seeded.accountId as Id<"accounts">,
+      externalId: "giro-1",
+      provider: "fints",
+      balance: 900,
+      currency: "EUR",
+      fetchedAt: 1_780_000_000_000,
+      status: "fresh",
+    });
+    await t.mutation(upsertAccountBalance, {
+      userId: seeded.userId,
+      accountId: seeded.accountId as Id<"accounts">,
+      externalId: "giro-1",
+      provider: "comdirect",
+      balance: 1234.56,
+      currency: "EUR",
+      asOf: "2026-06-23",
+      fetchedAt: 1_780_000_060_000,
+      status: "fresh",
+    });
+
+    const result = await asUser.query(listLatest, {});
+    const account = await t.run((ctx) => ctx.db.get(seeded.accountId));
+
+    expect(result).toMatchObject([
+      {
+        accountId: seeded.accountId,
+        accountName: "Girokonto",
+        balance: 1234.56,
+        currency: "EUR",
+        provider: "comdirect",
+        fetchedAt: 1_780_000_060_000,
+        asOf: "2026-06-23",
+        status: "fresh",
+      },
+    ]);
+    expect(account?.openingBalance).toBe(125);
+  });
+
+  test("can include archived accounts for settings and preserves error snapshots", async () => {
+    const { t, asUser, seeded } = await seedBalanceFixture();
+
+    await t.mutation(upsertAccountBalance, {
+      userId: seeded.userId,
+      accountId: seeded.archivedAccountId as Id<"accounts">,
+      externalId: "old-1",
+      provider: "fints",
+      balance: 50,
+      currency: "EUR",
+      fetchedAt: 1_780_000_060_000,
+      status: "error",
+      errorMessage: "HKSAL wird nicht unterstuetzt",
+    });
+
+    const defaultResult = await asUser.query(listLatest, {});
+    const settingsResult = await asUser.query(listLatest, { includeArchived: true });
+
+    expect(defaultResult.map((row: LatestBalanceRow) => row.accountId)).toEqual([
+      seeded.accountId,
+    ]);
+    expect(settingsResult).toHaveLength(2);
+    expect(
+      settingsResult.find(
+        (row: LatestBalanceRow) => row.accountId === seeded.archivedAccountId,
+      ),
+    )
+      .toMatchObject({
+        accountName: "Altes Konto",
+        balance: 50,
+        status: "error",
+        errorMessage: "HKSAL wird nicht unterstuetzt",
+      });
+  });
+});