feat: add guarded savings agent tools

convex/schema.ts

@@ -24,6 +24,51 @@ const chatCitation = v.object({
   marker: v.string(),
   sourceId: v.string(),
 });
+const agentActionPlanStatus = v.union(
+  v.literal("pending"),
+  v.literal("applied"),
+  v.literal("dismissed"),
+  v.literal("expired"),
+);
+const agentActionPlanKind = v.union(
+  v.literal("bulk_recategory"),
+  v.literal("category_changes"),
+);
+const agentActionPlanOperation = v.union(
+  v.object({
+    type: v.literal("set_transaction_category"),
+    transactionId: v.id("transactions"),
+    fromCategoryId: v.optional(v.id("categories")),
+    toCategoryId: v.id("categories"),
+  }),
+  v.object({
+    type: v.literal("create_category"),
+    name: v.string(),
+    kind: categoryKind,
+    block: v.optional(expenseBlock),
+    color: v.string(),
+    icon: v.optional(v.string()),
+    sortOrder: v.number(),
+  }),
+  v.object({
+    type: v.literal("update_category"),
+    categoryId: v.id("categories"),
+    name: v.optional(v.string()),
+    kind: v.optional(categoryKind),
+    block: v.optional(expenseBlock),
+    color: v.optional(v.string()),
+    icon: v.optional(v.string()),
+    sortOrder: v.optional(v.number()),
+  }),
+);
+const agentActionPlanPreviewRow = v.object({
+  date: v.optional(v.string()),
+  description: v.string(),
+  amount: v.optional(v.number()),
+  currentCategoryName: v.optional(v.string()),
+  targetCategoryName: v.optional(v.string()),
+  action: v.optional(v.string()),
+});
 
 export default defineSchema({
   ...authTables,
@@ -41,6 +86,22 @@ export default defineSchema({
     .index("by_user", ["userId"])
     .index("by_user_external", ["userId", "externalId"]),
 
+  accountBalances: defineTable({
+    userId: v.id("users"),
+    accountId: v.id("accounts"),
+    externalId: v.string(),
+    provider: v.union(v.literal("comdirect"), v.literal("fints")),
+    balance: v.number(),
+    currency: v.string(),
+    asOf: v.optional(v.string()),
+    fetchedAt: v.number(),
+    status: v.union(v.literal("fresh"), v.literal("stale"), v.literal("error")),
+    errorMessage: v.optional(v.string()),
+  })
+    .index("by_user", ["userId"])
+    .index("by_user_account", ["userId", "accountId"])
+    .index("by_user_provider_fetched", ["userId", "provider", "fetchedAt"]),
+
   categories: defineTable({
     userId: v.id("users"),
     name: v.string(),
@@ -214,4 +275,20 @@ export default defineSchema({
     sources: v.optional(v.array(chatSource)),
     citations: v.optional(v.array(chatCitation)),
   }).index("by_user_session_created", ["userId", "sessionId", "createdAt"]),
+
+  agentActionPlans: defineTable({
+    userId: v.id("users"),
+    sessionId: v.id("chatSessions"),
+    kind: agentActionPlanKind,
+    status: agentActionPlanStatus,
+    summary: v.string(),
+    affectedCount: v.number(),
+    createdAt: v.number(),
+    expiresAt: v.number(),
+    operations: v.array(agentActionPlanOperation),
+    previewRows: v.array(agentActionPlanPreviewRow),
+    resultSummary: v.optional(v.string()),
+  })
+    .index("by_user_session_status_created", ["userId", "sessionId", "status", "createdAt"])
+    .index("by_user_status_expires", ["userId", "status", "expiresAt"]),
 });