@firela/api-types 0.0.0-canary.52154bb3 → 0.0.0-canary.54e42bbc

package/src/generated/schemas.gen.ts

@@ -6,18 +6,12 @@ export const $CreateAccountDto = {
     path: {
       type: 'string',
       description: 'Account path (hierarchical, colon-separated)',
-      example: 'Assets:CN:Bank:ICBC:Checking'
-    },
-    displayName: {
-      type: 'string',
-      description:
-        'Display name to distinguish accounts at the same path (default: "")',
-      example: '工资卡'
+      example: 'Assets:CN:ICBC:Checking'
     },
     openDate: {
       format: 'date-time',
       type: 'string',
-      description: 'Account open date',
+      description: 'Account open date (server defaults to today)',
       example: '2024-01-01'
     },
     currencies: {
@@ -45,26 +39,22 @@ export const $CreateAccountDto = {
     templatePath: {
       type: 'string',
       description: 'Reference to account-standards template path',
-      example: 'Assets:CN:Bank:ICBC:Checking'
+      example: 'Assets:CN:Checking'
     },
     isCustom: {
       type: 'boolean',
       description: 'Whether this is a custom (user-created) account',
       default: false
     },
-    i18nKey: {
-      type: 'string',
-      description: 'i18n key for display name (overrides template)',
-      example: 'account.custom.mybank'
-    },
     icon: {
       type: 'string',
       description: 'Icon identifier (overrides template)',
       example: 'bank-custom'
     },
-    openMeta: {
+    openDirectiveMeta: {
       type: 'object',
-      description: 'Additional metadata',
+      description:
+        'Open directive metadata (NOT an opening-balance amount — use the opening-balance endpoint)',
       example: {
         branch: 'Downtown',
         accountNumber: '1234'
@@ -76,7 +66,7 @@ export const $CreateAccountDto = {
       example: 'c98e5d4a-2f71-4a5a-bb3c-92c9f231d5e2'
     }
   },
-  required: ['path', 'openDate']
+  required: ['path']
 } as const;
 
 export const $AccountResponseDto = {
@@ -90,13 +80,7 @@ export const $AccountResponseDto = {
     path: {
       type: 'string',
       description: 'Account path (hierarchical, colon-separated)',
-      example: 'Assets:CN:Bank:ICBC:Checking'
-    },
-    displayName: {
-      type: 'string',
-      description:
-        'Display name distinguishing multiple accounts at the same path',
-      example: '工资卡'
+      example: 'Assets:CN:ICBC:Checking'
     },
     type: {
       type: 'string',
@@ -104,6 +88,49 @@ export const $AccountResponseDto = {
       enum: ['Assets', 'Liabilities', 'Income', 'Expenses', 'Equity'],
       example: 'Assets'
     },
+    assetSubClass: {
+      type: 'string',
+      description:
+        'Account-level asset sub-class (product type, e.g. STOCK/DEPOSIT/CREDIT_CARD/PERSONAL_LOAN). Computed from the account path via the asset-classifier (ADR-0077). Null for non-asset accounts (Income/Expenses/Equity) or unmatched paths.',
+      enum: [
+        'DEPOSIT',
+        'CASH',
+        'MONEY_MARKET_FUND',
+        'STOCK',
+        'ETF',
+        'MUTUAL_FUND',
+        'EQUITY_COMPENSATION',
+        'GOVERNMENT_BOND',
+        'CORPORATE_BOND',
+        'BOND_FUND',
+        'PRIMARY_RESIDENCE',
+        'INVESTMENT_PROPERTY',
+        'REIT',
+        'GOLD',
+        'SILVER',
+        'PRECIOUS_METAL',
+        'PRECIOUS_METAL_FUND',
+        'COMMODITY',
+        'COMMODITY_FUND',
+        'CRYPTOCURRENCY',
+        'RETIREMENT_ACCOUNT',
+        'HEALTH_ACCOUNT',
+        'EDUCATION_ACCOUNT',
+        'INSURANCE',
+        'PRIVATE_EQUITY',
+        'HEDGE_FUND',
+        'COLLECTIBLES',
+        'MORTGAGE',
+        'STUDENT_LOAN',
+        'CREDIT_CARD',
+        'PERSONAL_LOAN',
+        'ACCOUNTS_PAYABLE',
+        'TAX_PAYABLE',
+        'OTHER'
+      ],
+      nullable: true,
+      example: 'STOCK'
+    },
     status: {
       type: 'string',
       description: 'Account status',
@@ -145,26 +172,26 @@ export const $AccountResponseDto = {
     templatePath: {
       type: 'string',
       description: 'Template path reference',
-      example: 'Assets:CN:Bank:ICBC:Checking'
+      example: 'Assets:CN:Checking'
     },
     isCustom: {
       type: 'boolean',
       description: 'Whether this is a custom (user-created) account',
       example: false
     },
-    i18nKey: {
+    displayName: {
       type: 'string',
-      description: 'i18n key for display name',
-      example: 'account.assets.cn.bank.icbc.checking'
+      description: 'Localized display name (ADR-0114, read-time projection)',
+      example: 'Checking'
     },
     icon: {
       type: 'string',
       description: 'Icon identifier',
       example: 'bank-icbc'
     },
-    openMeta: {
+    openDirectiveMeta: {
       type: 'object',
-      description: 'Account metadata',
+      description: 'Open directive metadata (ADR-0115 Decision 9)',
       example: {
         branch: 'Downtown'
       }
@@ -192,7 +219,6 @@ export const $AccountResponseDto = {
   required: [
     'id',
     'path',
-    'displayName',
     'type',
     'status',
     'openDate',
@@ -225,11 +251,6 @@ export const $AccountListResponseDto = {
 export const $UpdateAccountDto = {
   type: 'object',
   properties: {
-    displayName: {
-      type: 'string',
-      description: 'Display name to distinguish accounts at the same path',
-      example: '招行工资卡'
-    },
     currencies: {
       description: 'Allowed currencies (null = no restriction)',
       example: ['CNY', 'USD'],
@@ -251,19 +272,15 @@ export const $UpdateAccountDto = {
         'NONE'
       ]
     },
-    i18nKey: {
-      type: 'string',
-      description: 'i18n key for display name',
-      example: 'account.custom.mybank'
-    },
     icon: {
       type: 'string',
       description: 'Icon identifier',
       example: 'bank-custom'
     },
-    openMeta: {
+    openDirectiveMeta: {
       type: 'object',
-      description: 'Additional metadata (merged with existing)',
+      description:
+        'Open directive metadata (merged with existing; NOT an opening-balance amount)',
       example: {
         branch: 'Uptown'
       }
@@ -310,13 +327,47 @@ export const $ReopenAccountDto = {
   }
 } as const;
 
+export const $CreateOpeningBalanceDto = {
+  type: 'object',
+  properties: {
+    amount: {
+      type: 'number',
+      description: 'Opening balance amount (non-negative)',
+      example: 1000
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency code',
+      example: 'CNY'
+    },
+    date: {
+      format: 'date-time',
+      type: 'string',
+      description: 'Opening-balance date (defaults to now)',
+      example: '2024-01-01'
+    }
+  },
+  required: ['amount', 'currency']
+} as const;
+
+export const $OpeningBalanceResultDto = {
+  type: 'object',
+  properties: {
+    transactionId: {
+      type: 'string',
+      description: 'Created opening-balance transaction id.'
+    }
+  },
+  required: ['transactionId']
+} as const;
+
 export const $AccountStandardResponseDto = {
   type: 'object',
   properties: {
     path: {
       type: 'string',
       description: 'Account path (hierarchical, colon-separated)',
-      example: 'Assets:CN:Bank:ICBC:Checking'
+      example: 'Assets:CN:Checking'
     },
     type: {
       type: 'string',
@@ -324,11 +375,6 @@ export const $AccountStandardResponseDto = {
       enum: ['Assets', 'Liabilities', 'Income', 'Expenses', 'Equity'],
       example: 'Assets'
     },
-    i18nKey: {
-      type: 'string',
-      description: 'i18n key for localized display name',
-      example: 'account.assets.cn.bank.icbc.checking'
-    },
     name: {
       type: 'string',
       description: 'Short localized display name',
@@ -351,9 +397,47 @@ export const $AccountStandardResponseDto = {
       type: 'string',
       description: 'Icon identifier for UI display',
       example: 'bank-icbc'
+    },
+    productCategory: {
+      type: 'string',
+      description:
+        'Onboarding product category (coarse grouping derived from assetSubClass)',
+      enum: [
+        'cash',
+        'investment',
+        'credit_card',
+        'loan',
+        'payable_tax',
+        'other'
+      ],
+      example: 'investment'
+    },
+    assetClass: {
+      type: 'string',
+      description:
+        'Asset class (LIQUIDITY/EQUITY/.../LIABILITY), derived at read time from classification rules',
+      enum: [
+        'LIQUIDITY',
+        'EQUITY',
+        'FIXED_INCOME',
+        'PRECIOUS_METALS',
+        'COMMODITY',
+        'INSURANCE',
+        'ALTERNATIVE_INVESTMENT',
+        'PERSONAL_ASSETS',
+        'LIABILITY',
+        'REAL_ESTATE',
+        'INDEX'
+      ]
+    },
+    assetSubClass: {
+      type: 'string',
+      description:
+        'Asset sub-class (product type, derived at read time from classification rules)',
+      example: 'STOCK'
     }
   },
-  required: ['path', 'type', 'i18nKey', 'description', 'tags', 'icon']
+  required: ['path', 'type', 'description', 'tags', 'icon', 'productCategory']
 } as const;
 
 export const $AccountStandardListResponseDto = {
@@ -383,18 +467,13 @@ export const $AccountStandardListResponseDto = {
 export const $TemplateMetadataDto = {
   type: 'object',
   properties: {
-    extendable: {
-      type: 'boolean',
-      description: 'Whether this path can be extended',
-      example: true
-    },
     rootType: {
       type: 'string',
       description: 'Root account type',
       example: 'Assets'
     }
   },
-  required: ['extendable', 'rootType']
+  required: ['rootType']
 } as const;
 
 export const $TemplateMetadataResponseDto = {
@@ -533,7 +612,7 @@ export const $CreatePostingDto = {
       type: 'string',
       description:
         'Account name in Beancount format (must start with uppercase, colon-separated)',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     units: {
       type: 'string',
@@ -660,13 +739,39 @@ export const $CreateTransactionDto = {
   required: ['date', 'narration', 'postings']
 } as const;
 
+export const $CostDetailDto = {
+  type: 'object',
+  properties: {
+    number: {
+      type: 'string',
+      description: 'Per-unit cost basis (mirrors engine Cost.number)',
+      example: '240'
+    },
+    currency: {
+      type: 'string',
+      description: 'Cost currency',
+      example: 'USD'
+    },
+    date: {
+      type: 'string',
+      description: 'Lot acquisition date (ISO yyyy-mm-dd)',
+      example: '2024-01-15'
+    },
+    label: {
+      type: 'string',
+      description: 'Lot label',
+      example: 'lot-2024-01'
+    }
+  }
+} as const;
+
 export const $PostingResponseDto = {
   type: 'object',
   properties: {
     account: {
       type: 'string',
       description: 'Account name',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     units: {
       type: 'string',
@@ -678,6 +783,15 @@ export const $PostingResponseDto = {
       type: 'string',
       description: 'Currency',
       example: 'USD'
+    },
+    cost: {
+      description:
+        'Booking-resolved cost (mirrors engine Cost). Undefined when the posting has no cost basis.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/CostDetailDto'
+        }
+      ]
     }
   },
   required: ['account']
@@ -1023,7 +1137,7 @@ export const $PostingDetailDto = {
     account: {
       type: 'string',
       description: 'Fully-qualified Beancount account path',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     units: {
       type: 'string',
@@ -1051,6 +1165,15 @@ export const $PostingDetailDto = {
       description: 'Cost date',
       example: '2024-01-15'
     },
+    cost: {
+      description:
+        'Booking-resolved cost (mirrors engine Cost). Undefined when the posting has no cost basis.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/CostDetailDto'
+        }
+      ]
+    },
     priceAmount: {
       type: 'string',
       description: 'Price amount',
@@ -1203,6 +1326,77 @@ export const $TransactionDetailDto = {
   ]
 } as const;
 
+export const $BalanceByCurrencyDto = {
+  type: 'object',
+  properties: {
+    currency: {
+      type: 'string',
+      description: 'ISO 4217 currency code',
+      example: 'CNY'
+    },
+    balance: {
+      type: 'string',
+      description: 'Balance amount',
+      example: '50000.00'
+    }
+  },
+  required: ['currency', 'balance']
+} as const;
+
+export const $ExchangeRateWarningDto = {
+  type: 'object',
+  properties: {
+    type: {
+      type: 'string',
+      description: 'Warning type',
+      example: 'MISSING_EXCHANGE_RATE'
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency without exchange rate',
+      example: 'EUR'
+    },
+    totalAmount: {
+      type: 'string',
+      description: 'Total amount affected',
+      example: '1000.00'
+    }
+  },
+  required: ['type', 'currency', 'totalAmount']
+} as const;
+
+export const $TransactionListSummaryDto = {
+  type: 'object',
+  properties: {
+    totalAmount: {
+      type: 'string',
+      description:
+        'Partial converted total in base currency (rated currencies only, raw Beancount sign). When warnings is non-empty this excludes currencies missing an FX rate; may be "0.00" if ALL non-base currencies lack a rate. Converted at the dateTo (or current) available rate.',
+      example: '-6000.00'
+    },
+    currency: {
+      type: 'string',
+      description: 'Base currency (ISO 4217)',
+      example: 'CNY'
+    },
+    balanceByCurrency: {
+      description: 'Raw (unconverted) balance per currency',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/BalanceByCurrencyDto'
+      }
+    },
+    warnings: {
+      description: 'Currencies missing an FX rate (omitted when empty)',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/ExchangeRateWarningDto'
+      }
+    }
+  },
+  required: ['totalAmount', 'currency', 'balanceByCurrency']
+} as const;
+
 export const $TransactionListResponseDto = {
   type: 'object',
   properties: {
@@ -1227,6 +1421,15 @@ export const $TransactionListResponseDto = {
       type: 'number',
       description: 'Number of items skipped',
       example: 0
+    },
+    summary: {
+      description:
+        'Amount summary for the full filtered set (#514). Present only when the request has a single account OR category viewpoint; omitted for search-only / plain-list / dual-perspective requests.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/TransactionListSummaryDto'
+        }
+      ]
     }
   },
   required: ['data', 'total', 'limit', 'offset']
@@ -1326,7 +1529,7 @@ export const $BalanceResponseDto = {
     account: {
       type: 'string',
       description: 'Account name',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     balance: {
       type: 'string',
@@ -1353,7 +1556,7 @@ export const $MultiCurrencyBalanceResponseDto = {
     account: {
       type: 'string',
       description: 'Account name',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     balances: {
       type: 'object',
@@ -1409,7 +1612,7 @@ export const $TransactionSummaryDto = {
     accountName: {
       type: 'string',
       description: 'Source account name (first posting)',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     sourceType: {
       type: 'string',
@@ -1811,7 +2014,8 @@ export const $ResolveResultDto = {
     },
     resolutionId: {
       type: 'string',
-      description: 'Resolution ID for undo'
+      description:
+        'Resolution ID for undo. Absent when the resolver rejected the decision (review stayed PENDING).'
     },
     canUndo: {
       type: 'boolean',
@@ -1829,7 +2033,7 @@ export const $ResolveResultDto = {
       example: 'rule_01HXK5V8N2M3P4Q5R6S7T8U9V0'
     }
   },
-  required: ['success', 'resolutionId', 'canUndo', 'undoDeadline']
+  required: ['success']
 } as const;
 
 export const $UndoResultDto = {
@@ -2700,56 +2904,213 @@ export const $UpdateCommodityDto = {
   }
 } as const;
 
-export const $CreateRecurringRuleDto = {
+export const $CreateBeanPriceDto = {
   type: 'object',
   properties: {
-    name: {
-      type: 'string',
-      description: 'Rule name (unique per user)',
-      maxLength: 100
-    },
-    icon: {
+    currency: {
       type: 'string',
-      description: 'Icon emoji',
-      maxLength: 10
+      description: 'Currency being priced (e.g., USD, AAPL, BTC)',
+      example: 'USD'
     },
-    frequency: {
+    quoteCurrency: {
       type: 'string',
-      description: 'Recurring frequency',
-      enum: [
-        'WEEKLY',
-        'BIWEEKLY',
-        'MONTHLY',
-        'BIMONTHLY',
-        'QUARTERLY',
-        'YEARLY',
-        'CUSTOM'
-      ]
+      description: 'Quote currency (pricing currency, e.g., CNY, EUR)',
+      example: 'CNY'
     },
-    expectedAmount: {
+    amount: {
       type: 'number',
-      description: 'Expected amount (positive number)',
+      description:
+        'Price amount (MUST be >= 0 per Beancount spec, supports up to 15 decimal places). Zero allowed for conversion entries, negative strictly prohibited.',
+      example: 175.5,
       minimum: 0
     },
-    expectedDay: {
-      type: 'number',
-      description: 'Expected day of month (1-31)',
-      minimum: 1,
-      maximum: 31
-    },
-    customIntervalDays: {
-      type: 'number',
-      description: 'Custom interval in days (required for CUSTOM frequency)',
-      minimum: 1
-    },
-    currency: {
+    date: {
       type: 'string',
-      description: 'Currency code',
-      default: 'CNY',
-      maxLength: 10
+      description: 'Price date (ISO 8601 format)',
+      example: '2024-11-05'
     },
-    matchPayeePattern: {
-      type: 'string',
+    metadata: {
+      type: 'object',
+      description:
+        'Metadata (validated by Zod schema, max field lengths enforced)',
+      example: {
+        source: 'MANUAL',
+        note: 'Bank valuation report',
+        confidence: 0.95
+      }
+    }
+  },
+  required: ['currency', 'quoteCurrency', 'amount', 'date']
+} as const;
+
+export const $PriceResponseDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string',
+      description: 'Unique identifier',
+      example: 'uuid-123-456'
+    },
+    userId: {
+      type: 'string',
+      description: 'User ID (owner of the price)',
+      example: 'user-123'
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency being priced (e.g., USD, AAPL, BTC)',
+      example: 'BTC'
+    },
+    quoteCurrency: {
+      type: 'string',
+      description: 'Quote currency (pricing currency, e.g., USD, CNY)',
+      example: 'USD'
+    },
+    amount: {
+      type: 'number',
+      description:
+        'Price amount (corresponds to Beancount Amount.number). Supports up to 15 decimal places.',
+      example: 50000
+    },
+    date: {
+      type: 'string',
+      description:
+        'Price date (ISO 8601 format). Represents the date this price was valid.',
+      example: '2024-01-01',
+      format: 'date'
+    },
+    meta: {
+      type: 'object',
+      description:
+        'Metadata (corresponds to Beancount meta field). Contains source, confidence, note, etc.',
+      example: {
+        source: 'MANUAL',
+        note: 'User-defined price',
+        confidence: 1
+      }
+    },
+    createdAt: {
+      format: 'date-time',
+      type: 'string',
+      description: 'Creation timestamp',
+      example: '2024-11-03T10:00:00Z'
+    },
+    updatedAt: {
+      format: 'date-time',
+      type: 'string',
+      description: 'Last update timestamp',
+      example: '2024-11-03T10:00:00Z'
+    }
+  },
+  required: [
+    'id',
+    'userId',
+    'currency',
+    'quoteCurrency',
+    'amount',
+    'date',
+    'meta',
+    'createdAt',
+    'updatedAt'
+  ]
+} as const;
+
+export const $PriceListResponseDto = {
+  type: 'object',
+  properties: {
+    items: {
+      description: 'List of prices',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/PriceResponseDto'
+      }
+    },
+    total: {
+      type: 'number',
+      description: 'Total number of prices',
+      example: 42
+    }
+  },
+  required: ['items', 'total']
+} as const;
+
+export const $UpdateBeanPriceDto = {
+  type: 'object',
+  properties: {
+    currency: {
+      type: 'string',
+      description: 'Currency being priced'
+    },
+    quoteCurrency: {
+      type: 'string',
+      description: 'Quote currency (pricing currency)'
+    },
+    amount: {
+      type: 'number',
+      description: 'Price amount (MUST be >= 0 per Beancount spec)',
+      minimum: 0
+    },
+    date: {
+      type: 'string',
+      description: 'Price date (ISO 8601 format)'
+    },
+    metadata: {
+      type: 'object',
+      description: 'Metadata'
+    }
+  }
+} as const;
+
+export const $CreateRecurringRuleDto = {
+  type: 'object',
+  properties: {
+    name: {
+      type: 'string',
+      description: 'Rule name (unique per user)',
+      maxLength: 100
+    },
+    icon: {
+      type: 'string',
+      description: 'Icon emoji',
+      maxLength: 10
+    },
+    frequency: {
+      type: 'string',
+      description: 'Recurring frequency',
+      enum: [
+        'WEEKLY',
+        'BIWEEKLY',
+        'MONTHLY',
+        'BIMONTHLY',
+        'QUARTERLY',
+        'YEARLY',
+        'CUSTOM'
+      ]
+    },
+    expectedAmount: {
+      type: 'number',
+      description: 'Expected amount (positive number)',
+      minimum: 0
+    },
+    expectedDay: {
+      type: 'number',
+      description: 'Expected day of month (1-31)',
+      minimum: 1,
+      maximum: 31
+    },
+    customIntervalDays: {
+      type: 'number',
+      description: 'Custom interval in days (required for CUSTOM frequency)',
+      minimum: 1
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency code',
+      default: 'CNY',
+      maxLength: 10
+    },
+    matchPayeePattern: {
+      type: 'string',
       description: 'Payee matching pattern (supports wildcards)',
       maxLength: 200
     },
@@ -3471,517 +3832,498 @@ export const $ForecastResponseDto = {
   ]
 } as const;
 
-export const $CreateTransactionRuleDto = {
+export const $CurrencyBalanceDto = {
   type: 'object',
   properties: {
-    name: {
+    currency: {
       type: 'string',
-      minLength: 1,
-      maxLength: 100
+      description: 'ISO 4217 currency code',
+      example: 'CNY'
     },
-    description: {
+    balance: {
       type: 'string',
-      maxLength: 500
-    },
-    narrationKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
-    },
-    payeeKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
+      description: 'Balance amount',
+      example: '500000.00'
+    }
+  },
+  required: ['currency', 'balance']
+} as const;
+
+export const $TimeSeriesPointDto = {
+  type: 'object',
+  properties: {
+    date: {
+      type: 'string',
+      description: 'Date in YYYY-MM-DD format',
+      example: '2024-06-15'
     },
-    categoryKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
+    value: {
+      type: 'string',
+      description: 'Value at this date (in base currency)',
+      example: '500000.00'
     },
-    methodKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      description: 'Payment method keywords (e.g., HuaBei, YuEBao)',
-      type: 'array'
+    change: {
+      type: 'object',
+      description: 'Change from previous point',
+      example: '5000.00'
     },
-    categoryAccount: {
+    assets: {
       type: 'string',
-      maxLength: 200,
-      description:
-        'Destination account for expenses/income (e.g., Expenses:Food:Coffee)'
+      description: 'Total assets at this date (in base currency)',
+      example: '494338.00'
     },
-    matchLogic: {
+    liabilities: {
       type: 'string',
-      enum: ['OR', 'AND'],
-      default: 'OR'
-    },
-    amountMin: {
-      type: 'number',
-      minimum: 0,
-      description: 'Minimum transaction amount (inclusive)'
+      description: 'Total liabilities at this date (in base currency)',
+      example: '310098.00'
     },
-    amountMax: {
-      type: 'number',
-      minimum: 0,
-      description: 'Maximum transaction amount (inclusive)'
-    },
-    priority: {
-      type: 'number',
-      default: 50,
-      minimum: 0,
-      maximum: 1000
-    },
-    additionalTags: {
+    byCurrency: {
+      description: 'Multi-currency breakdown for this point',
+      type: 'array',
       items: {
-        type: 'array'
-      },
-      maxItems: 20,
-      type: 'array'
-    },
-    additionalMetadata: {
-      type: 'object'
-    },
-    upsertByPayee: {
-      type: 'boolean',
-      description:
-        'If true, update existing rule with matching payeeKeywords[0] instead of creating new rule'
+        $ref: '#/components/schemas/CurrencyBalanceDto'
+      }
     }
   },
-  required: ['name', 'matchLogic', 'priority']
+  required: ['date', 'value']
 } as const;
 
-export const $AmountRangeDto = {
+export const $TrendSummaryDto = {
   type: 'object',
   properties: {
-    min: {
-      type: 'number',
-      description: 'Minimum amount'
+    startValue: {
+      type: 'string',
+      description: 'Value at start of period',
+      example: '450000.00'
     },
-    max: {
-      type: 'number',
-      description: 'Maximum amount'
+    endValue: {
+      type: 'string',
+      description: 'Value at end of period',
+      example: '500000.00'
+    },
+    totalChange: {
+      type: 'string',
+      description: 'Total change over period',
+      example: '50000.00'
+    },
+    totalChangePercentage: {
+      type: 'string',
+      description: 'Total change percentage',
+      example: '+11.11%'
     }
-  }
+  },
+  required: ['startValue', 'endValue', 'totalChange', 'totalChangePercentage']
 } as const;
 
-export const $TransactionRuleResponseDto = {
+export const $MultiCurrencyPointDto = {
   type: 'object',
   properties: {
-    id: {
-      type: 'string',
-      description: 'Rule ID'
-    },
-    name: {
-      type: 'string',
-      description: 'Rule name'
-    },
-    description: {
+    date: {
       type: 'string',
-      description: 'Rule description'
-    },
-    narrationKeywords: {
-      description: 'Keywords to match in transaction narration',
-      type: 'array',
-      items: {
-        type: 'string'
-      }
-    },
-    payeeKeywords: {
-      description: 'Keywords to match in payee name',
-      type: 'array',
-      items: {
-        type: 'string'
-      }
+      description: 'Date in YYYY-MM-DD format',
+      example: '2024-06-15'
     },
-    categoryKeywords: {
-      description: 'Keywords to match in category',
+    byCurrency: {
+      description: 'Balances by currency',
       type: 'array',
       items: {
-        type: 'string'
+        $ref: '#/components/schemas/CurrencyBalanceDto'
       }
-    },
-    methodKeywords: {
-      description: 'Keywords to match in payment method',
+    }
+  },
+  required: ['date', 'byCurrency']
+} as const;
+
+export const $PortfolioTrendsResponseDto = {
+  type: 'object',
+  properties: {
+    series: {
+      description: 'Time series data points',
       type: 'array',
       items: {
-        type: 'string'
+        $ref: '#/components/schemas/TimeSeriesPointDto'
       }
     },
-    categoryAccount: {
-      type: 'string',
-      description: 'Destination account for categorization'
-    },
-    matchLogic: {
-      type: 'string',
-      description: 'Keyword matching logic',
-      enum: ['OR', 'AND'],
-      example: 'OR'
-    },
-    amountRange: {
-      description: 'Amount range for matching',
+    summary: {
+      description: 'Period summary',
       allOf: [
         {
-          $ref: '#/components/schemas/AmountRangeDto'
+          $ref: '#/components/schemas/TrendSummaryDto'
         }
       ]
     },
-    priority: {
-      type: 'number',
-      description: 'Rule priority (0-1000, higher = first match)',
-      example: 50
-    },
-    enabled: {
-      type: 'boolean',
-      description: 'Whether the rule is enabled'
-    },
-    learningSource: {
+    period: {
       type: 'string',
-      description: 'Learning source: NLP, REVIEW_CENTER, or null for manual',
-      enum: ['NLP', 'REVIEW_CENTER'],
-      nullable: true,
-      example: 'REVIEW_CENTER'
+      description: 'Period requested',
+      example: '6m'
     },
-    autoApplyEnabled: {
-      type: 'boolean',
-      description: 'Whether auto-apply is enabled for this rule'
+    granularity: {
+      type: 'string',
+      description: 'Data granularity',
+      example: 'month'
     },
-    confirmationCount: {
-      type: 'number',
-      description: 'Number of confirmations for NLP-learned rules',
-      example: 3
+    currency: {
+      type: 'string',
+      description: 'Base currency for converted values',
+      example: 'CNY'
     },
-    additionalTags: {
-      description: 'Additional tags',
+    byCurrency: {
+      description:
+        'Multi-currency time series (each point has currency breakdown)',
       type: 'array',
       items: {
-        type: 'string'
+        $ref: '#/components/schemas/MultiCurrencyPointDto'
       }
     },
-    additionalMetadata: {
-      type: 'object',
-      description: 'Additional metadata',
-      additionalProperties: {
-        type: 'string'
+    warnings: {
+      description: 'Exchange rate warnings',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/ExchangeRateWarningDto'
       }
-    },
-    createdAt: {
-      format: 'date-time',
-      type: 'string',
-      description: 'Created timestamp'
-    },
-    updatedAt: {
-      format: 'date-time',
-      type: 'string',
-      description: 'Updated timestamp'
     }
   },
-  required: [
-    'id',
-    'name',
-    'narrationKeywords',
-    'payeeKeywords',
-    'categoryKeywords',
-    'methodKeywords',
-    'matchLogic',
-    'priority',
-    'enabled',
-    'autoApplyEnabled',
-    'confirmationCount',
-    'additionalTags',
-    'createdAt',
-    'updatedAt'
-  ]
+  required: ['series', 'summary', 'period', 'granularity', 'currency']
 } as const;
 
-export const $TransactionRuleListResponseDto = {
+export const $CashFlowPointDto = {
   type: 'object',
   properties: {
-    data: {
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/TransactionRuleResponseDto'
-      }
+    month: {
+      type: 'string',
+      description: 'Month key (YYYY-MM)',
+      example: '2024-03'
     },
-    total: {
-      type: 'number',
-      description: 'Total count of rules'
+    income: {
+      type: 'string',
+      description: 'Income in base currency (absolute, converted)',
+      example: '10000.00'
     },
-    limit: {
-      type: 'number',
-      description: 'Results per page'
+    expense: {
+      type: 'string',
+      description: 'Expense in base currency (absolute, converted)',
+      example: '5000.00'
     },
-    offset: {
-      type: 'number',
-      description: 'Pagination offset'
+    netSavings: {
+      type: 'string',
+      description: 'netSavings = income − expense (savings positive)',
+      example: '5000.00'
     }
   },
-  required: ['data', 'total', 'limit', 'offset']
+  required: ['month', 'income', 'expense', 'netSavings']
 } as const;
 
-export const $ValidateRuleDto = {
+export const $CashFlowTrendSummaryDto = {
   type: 'object',
   properties: {
-    name: {
+    totalIncome: {
       type: 'string',
-      minLength: 1,
-      maxLength: 100
+      description: 'Total income across the period',
+      example: '60000.00'
     },
-    description: {
+    totalExpense: {
       type: 'string',
-      maxLength: 500
+      description: 'Total expense across the period',
+      example: '30000.00'
     },
-    narrationKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
+    totalNetSavings: {
+      type: 'string',
+      description: 'income − expense across the period',
+      example: '30000.00'
     },
-    payeeKeywords: {
+    averageMonthlyNetSavings: {
+      type: 'string',
+      description:
+        'totalNetSavings divided by the window length (N months, incl. zero-filled)',
+      example: '5000.00'
+    }
+  },
+  required: [
+    'totalIncome',
+    'totalExpense',
+    'totalNetSavings',
+    'averageMonthlyNetSavings'
+  ]
+} as const;
+
+export const $CashFlowTrendsResponseDto = {
+  type: 'object',
+  properties: {
+    series: {
+      description:
+        'Monthly cash-flow series (fixed N-month window, zero-filled)',
+      type: 'array',
       items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
-    },
-    categoryKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      type: 'array'
+        $ref: '#/components/schemas/CashFlowPointDto'
+      }
     },
-    methodKeywords: {
-      items: {
-        type: 'array'
-      },
-      maxItems: 50,
-      description: 'Payment method keywords (e.g., HuaBei, YuEBao)',
-      type: 'array'
+    summary: {
+      description: 'Period totals',
+      allOf: [
+        {
+          $ref: '#/components/schemas/CashFlowTrendSummaryDto'
+        }
+      ]
     },
-    categoryAccount: {
+    period: {
       type: 'string',
-      maxLength: 200,
-      description:
-        'Destination account for expenses/income (e.g., Expenses:Food:Coffee)'
+      description: 'Period requested',
+      example: '6m'
     },
-    matchLogic: {
+    granularity: {
       type: 'string',
-      enum: ['OR', 'AND'],
-      default: 'OR'
-    },
-    amountMin: {
-      type: 'number',
-      minimum: 0,
-      description: 'Minimum transaction amount (inclusive)'
-    },
-    amountMax: {
-      type: 'number',
-      minimum: 0,
-      description: 'Maximum transaction amount (inclusive)'
+      description: 'Data granularity (v1 returns month buckets)',
+      example: 'month'
     },
-    priority: {
-      type: 'number',
-      default: 50,
-      minimum: 0,
-      maximum: 1000
+    currency: {
+      type: 'string',
+      description: 'Base currency for converted values',
+      example: 'CNY'
     },
-    additionalTags: {
+    warnings: {
+      description: 'Exchange rate warnings (e.g. missing rate for a currency)',
+      type: 'array',
       items: {
-        type: 'array'
-      },
-      maxItems: 20,
-      type: 'array'
-    },
-    additionalMetadata: {
-      type: 'object'
-    },
-    upsertByPayee: {
-      type: 'boolean',
-      description:
-        'If true, update existing rule with matching payeeKeywords[0] instead of creating new rule'
+        $ref: '#/components/schemas/ExchangeRateWarningDto'
+      }
     }
   },
-  required: ['name', 'matchLogic', 'priority']
+  required: ['series', 'summary', 'period', 'granularity', 'currency']
 } as const;
 
-export const $ValidateRuleResponseDto = {
+export const $GenerateSnapshotBody = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $GenerateSnapshotResponse = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $BackfillSnapshotsBody = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $BackfillSnapshotsResponse = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $DeleteOwnUserDto = {
   type: 'object',
   properties: {
-    valid: {
-      type: 'boolean',
-      description: 'Whether the rule configuration is valid',
-      example: true
-    },
-    errors: {
-      description: 'List of validation errors (empty if valid)',
-      example: [],
-      items: {
-        type: 'array'
-      },
-      type: 'array'
-    },
-    warnings: {
-      description: 'List of validation warnings (non-blocking issues)',
-      example: [
-        'No account constraints specified - rule will match any account'
-      ],
-      items: {
-        type: 'array'
-      },
-      type: 'array'
+    accessToken: {
+      type: 'string',
+      description: 'Access token for user verification',
+      example: 'abc123xyz'
     }
   },
-  required: ['valid', 'errors', 'warnings']
+  required: ['accessToken']
 } as const;
 
-export const $BulkCreateRulesDto = {
+export const $UserSettingsResponseDto = {
   type: 'object',
   properties: {
-    rules: {
-      items: {
-        type: 'array'
-      },
-      description: 'Array of rules to import',
-      type: 'array'
-    },
-    conflictStrategy: {
+    baseCurrency: {
       type: 'string',
-      enum: ['replace', 'skip'],
-      default: 'skip',
       description:
-        'Conflict handling strategy: skip (default) ignores duplicates, replace soft-deletes existing rule'
+        'Base currency (ISO 4217) for net-worth/report aggregation. Independent of region (ADR-0006).',
+      example: 'USD',
+      nullable: true
     }
   },
-  required: ['rules', 'conflictStrategy']
+  required: ['baseCurrency']
 } as const;
 
-export const $BulkCreateRulesResponseDto = {
+export const $UserResponseDto = {
   type: 'object',
   properties: {
-    successCount: {
-      type: 'number',
-      description: 'Number of successfully created rules'
-    },
-    failureCount: {
-      type: 'number',
-      description: 'Number of failed rules'
+    id: {
+      type: 'string',
+      description: 'User ID'
     },
-    errors: {
-      type: 'array',
-      description: 'Error details for failed rules',
-      items: {
-        type: 'object',
-        properties: {
-          index: {
-            type: 'number'
-          },
-          message: {
-            type: 'string'
-          }
-        }
-      }
+    role: {
+      type: 'string',
+      description: 'Assigned user role'
     },
-    createdRuleIds: {
-      description: 'IDs of successfully created rules',
+    permissions: {
+      description: 'Permission strings',
       type: 'array',
       items: {
         type: 'string'
       }
+    },
+    settings: {
+      description: 'User settings',
+      allOf: [
+        {
+          $ref: '#/components/schemas/UserSettingsResponseDto'
+        }
+      ]
     }
   },
-  required: ['successCount', 'failureCount', 'errors', 'createdRuleIds']
+  required: ['id', 'role', 'permissions', 'settings']
 } as const;
 
-export const $ExportRulesResponseDto = {
+export const $SignupDto = {
   type: 'object',
   properties: {
-    exportedAt: {
+    turnstileToken: {
       type: 'string',
-      description: 'Export timestamp'
-    },
-    userId: {
+      description:
+        'Cloudflare Turnstile verification token (optional when Turnstile disabled)',
+      example: '0.abc123def456...'
+    }
+  }
+} as const;
+
+export const $SignupResponseDto = {
+  type: 'object',
+  properties: {
+    authToken: {
       type: 'string',
-      description: 'User ID'
+      description: 'JWT auth token',
+      example: 'eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...'
     },
-    ruleCount: {
-      type: 'number',
-      description: 'Number of exported rules'
+    accessToken: {
+      type: 'string',
+      description: 'Auto-generated access token'
     },
-    rules: {
-      type: 'array',
-      description: 'Exported rules'
+    role: {
+      type: 'string',
+      description: 'Assigned user role',
+      enum: ['USER', 'ADMIN', 'DEMO', 'INACTIVE', 'PAID', 'OPS']
     }
   },
-  required: ['exportedAt', 'userId', 'ruleCount', 'rules']
+  required: ['authToken', 'accessToken', 'role']
 } as const;
 
-export const $RuleStatisticsResponseDto = {
+export const $UpdateUserSettingDto = {
   type: 'object',
   properties: {
-    period: {
-      type: 'string',
-      description: 'Statistics time period',
-      enum: ['7d', '30d', '90d']
-    },
-    totalRules: {
+    secId: {
       type: 'number',
-      description: 'Total number of rules'
+      description: 'Security ID'
     },
-    rulesWithMatches: {
+    annualInterestRate: {
       type: 'number',
-      description: 'Number of rules with at least one match'
+      description: 'Annual interest rate',
+      example: 0.05
     },
-    totalMatches: {
-      type: 'number',
-      description: 'Total number of matches across all rules'
+    currency: {
+      type: 'string',
+      description: 'Currency code',
+      example: 'USD'
     },
-    averageConfidence: {
+    baseCurrency: {
+      type: 'string',
+      description: 'Base currency code',
+      example: 'USD'
+    },
+    benchmark: {
+      type: 'string',
+      description: 'Benchmark symbol',
+      example: 'SPY'
+    },
+    colorScheme: {
+      type: 'string',
+      description: 'Color scheme',
+      enum: ['DARK', 'LIGHT']
+    },
+    dateRange: {
+      type: 'string',
+      description: 'Date range filter',
+      example: '1y'
+    },
+    emergencyFund: {
       type: 'number',
-      description: 'Average confidence score across all matches',
-      example: 0.82
+      description: 'Emergency fund amount',
+      example: 10000
     },
-    ruleStats: {
+    'filters.accounts': {
+      description: 'Account filter IDs',
       type: 'array',
-      description: 'Per-rule statistics',
       items: {
-        type: 'object',
-        properties: {
-          ruleId: {
-            type: 'string'
-          },
-          ruleName: {
-            type: 'string'
-          },
-          matchCount: {
-            type: 'number'
-          },
-          averageConfidence: {
-            type: 'number'
-          }
-        }
+        type: 'string'
+      }
+    },
+    'filters.assetClasses': {
+      description: 'Asset class filters',
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    },
+    'filters.dataSource': {
+      type: 'string',
+      description: 'Data source filter'
+    },
+    'filters.symbol': {
+      type: 'string',
+      description: 'Symbol filter'
+    },
+    'filters.tags': {
+      description: 'Tag filters',
+      type: 'array',
+      items: {
+        type: 'string'
       }
+    },
+    isExperimentalFeatures: {
+      type: 'boolean',
+      description: 'Enable experimental features'
+    },
+    isRestrictedView: {
+      type: 'boolean',
+      description: 'Enable restricted view mode'
+    },
+    language: {
+      type: 'string',
+      description: 'Language code',
+      example: 'en'
+    },
+    locale: {
+      type: 'string',
+      description: 'Locale code',
+      example: 'en-US'
+    },
+    projectedTotalAmount: {
+      type: 'number',
+      description: 'Projected total amount',
+      example: 1000000
+    },
+    retirementDate: {
+      type: 'string',
+      description: 'Retirement date in ISO 8601 format',
+      example: '2050-01-01'
+    },
+    savingsRate: {
+      type: 'number',
+      description: 'Savings rate percentage',
+      example: 0.2
+    },
+    viewMode: {
+      type: 'string',
+      description: 'View mode',
+      enum: ['DEFAULT', 'ZEN']
+    }
+  }
+} as const;
+
+export const $UpdatePropertyDto = {
+  type: 'object',
+  properties: {
+    value: {
+      type: 'string',
+      description: 'Property value'
     }
   },
-  required: [
-    'period',
-    'totalRules',
-    'rulesWithMatches',
-    'totalMatches',
-    'averageConfidence',
-    'ruleStats'
-  ]
+  required: ['value']
 } as const;
 
-export const $UpdateTransactionRuleDto = {
+export const $CreateTransactionRuleDto = {
   type: 'object',
   properties: {
     name: {
@@ -4030,7 +4372,8 @@ export const $UpdateTransactionRuleDto = {
     },
     matchLogic: {
       type: 'string',
-      enum: ['OR', 'AND']
+      enum: ['OR', 'AND'],
+      default: 'OR'
     },
     amountMin: {
       type: 'number',
@@ -4044,13 +4387,10 @@ export const $UpdateTransactionRuleDto = {
     },
     priority: {
       type: 'number',
+      default: 50,
       minimum: 0,
       maximum: 1000
     },
-    enabled: {
-      type: 'boolean',
-      description: 'Enable or disable the rule'
-    },
     additionalTags: {
       items: {
         type: 'array'
@@ -4060,211 +4400,1028 @@ export const $UpdateTransactionRuleDto = {
     },
     additionalMetadata: {
       type: 'object'
-    }
-  }
-} as const;
-
-export const $TestRuleDto = {
-  type: 'object',
-  properties: {
-    narration: {
-      type: 'string',
-      minLength: 1,
-      maxLength: 500
-    },
-    payee: {
-      type: 'string',
-      maxLength: 200
-    },
-    categoryAccount: {
-      type: 'string',
-      maxLength: 200
-    },
-    amount: {
-      type: 'number'
     },
-    currency: {
-      type: 'string',
-      maxLength: 10
+    upsertByPayee: {
+      type: 'boolean',
+      description:
+        'If true, update existing rule with matching payeeKeywords[0] instead of creating new rule'
     }
   },
-  required: ['narration']
+  required: ['name', 'matchLogic', 'priority']
 } as const;
 
-export const $TestRuleResponseDto = {
+export const $AmountRangeDto = {
   type: 'object',
   properties: {
-    ruleId: {
-      type: 'string',
-      description: 'Rule ID that was tested'
-    },
-    matches: {
-      type: 'boolean',
-      description: 'Whether the rule matched the test data'
-    },
-    confidence: {
+    min: {
       type: 'number',
-      description: 'Match confidence score (0-1)',
-      example: 0.85
+      description: 'Minimum amount'
     },
-    matchDetails: {
-      type: 'object',
-      description: 'Details of which fields matched',
-      example: {
-        narration: true,
-        payee: false,
-        categoryAccount: false
-      }
-    }
-  },
-  required: ['ruleId', 'matches', 'confidence', 'matchDetails']
-} as const;
-
-export const $DeleteOwnUserDto = {
-  type: 'object',
-  properties: {
-    accessToken: {
-      type: 'string',
-      description: 'Access token for user verification',
-      example: 'abc123xyz'
-    }
-  },
-  required: ['accessToken']
-} as const;
-
-export const $SignupDto = {
-  type: 'object',
-  properties: {
-    turnstileToken: {
-      type: 'string',
-      description:
-        'Cloudflare Turnstile verification token (optional when Turnstile disabled)',
-      example: '0.abc123def456...'
+    max: {
+      type: 'number',
+      description: 'Maximum amount'
     }
   }
 } as const;
 
-export const $UpdateUserSettingDto = {
+export const $TransactionRuleResponseDto = {
   type: 'object',
   properties: {
-    secId: {
-      type: 'number',
-      description: 'Security ID'
-    },
-    annualInterestRate: {
-      type: 'number',
-      description: 'Annual interest rate',
-      example: 0.05
-    },
-    currency: {
-      type: 'string',
-      description: 'Currency code',
-      example: 'USD'
-    },
-    baseCurrency: {
-      type: 'string',
-      description: 'Base currency code',
-      example: 'USD'
-    },
-    benchmark: {
+    id: {
       type: 'string',
-      description: 'Benchmark symbol',
-      example: 'SPY'
+      description: 'Rule ID'
     },
-    colorScheme: {
+    name: {
       type: 'string',
-      description: 'Color scheme',
-      enum: ['DARK', 'LIGHT']
+      description: 'Rule name'
     },
-    dateRange: {
+    description: {
       type: 'string',
-      description: 'Date range filter',
-      example: '1y'
-    },
-    emergencyFund: {
-      type: 'number',
-      description: 'Emergency fund amount',
-      example: 10000
+      description: 'Rule description'
     },
-    'filters.accounts': {
-      description: 'Account filter IDs',
+    narrationKeywords: {
+      description: 'Keywords to match in transaction narration',
       type: 'array',
       items: {
         type: 'string'
       }
     },
-    'filters.assetClasses': {
-      description: 'Asset class filters',
+    payeeKeywords: {
+      description: 'Keywords to match in payee name',
       type: 'array',
       items: {
         type: 'string'
       }
     },
-    'filters.dataSource': {
-      type: 'string',
-      description: 'Data source filter'
-    },
-    'filters.symbol': {
-      type: 'string',
-      description: 'Symbol filter'
-    },
-    'filters.tags': {
-      description: 'Tag filters',
+    categoryKeywords: {
+      description: 'Keywords to match in category',
       type: 'array',
       items: {
         type: 'string'
       }
     },
-    isExperimentalFeatures: {
-      type: 'boolean',
-      description: 'Enable experimental features'
+    methodKeywords: {
+      description: 'Keywords to match in payment method',
+      type: 'array',
+      items: {
+        type: 'string'
+      }
     },
-    isRestrictedView: {
+    categoryAccount: {
+      type: 'string',
+      description: 'Destination account for categorization'
+    },
+    matchLogic: {
+      type: 'string',
+      description: 'Keyword matching logic',
+      enum: ['OR', 'AND'],
+      example: 'OR'
+    },
+    amountRange: {
+      description: 'Amount range for matching',
+      allOf: [
+        {
+          $ref: '#/components/schemas/AmountRangeDto'
+        }
+      ]
+    },
+    priority: {
+      type: 'number',
+      description: 'Rule priority (0-1000, higher = first match)',
+      example: 50
+    },
+    enabled: {
       type: 'boolean',
-      description: 'Enable restricted view mode'
+      description: 'Whether the rule is enabled'
     },
-    language: {
+    learningSource: {
       type: 'string',
-      description: 'Language code',
-      example: 'en'
+      description: 'Learning source: NLP, REVIEW_CENTER, or null for manual',
+      enum: ['NLP', 'REVIEW_CENTER'],
+      nullable: true,
+      example: 'REVIEW_CENTER'
     },
-    locale: {
+    autoApplyEnabled: {
+      type: 'boolean',
+      description: 'Whether auto-apply is enabled for this rule'
+    },
+    confirmationCount: {
+      type: 'number',
+      description: 'Number of confirmations for NLP-learned rules',
+      example: 3
+    },
+    additionalTags: {
+      description: 'Additional tags',
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    },
+    additionalMetadata: {
+      type: 'object',
+      description: 'Additional metadata',
+      additionalProperties: {
+        type: 'string'
+      }
+    },
+    createdAt: {
+      format: 'date-time',
       type: 'string',
-      description: 'Locale code',
-      example: 'en-US'
+      description: 'Created timestamp'
     },
-    projectedTotalAmount: {
+    updatedAt: {
+      format: 'date-time',
+      type: 'string',
+      description: 'Updated timestamp'
+    }
+  },
+  required: [
+    'id',
+    'name',
+    'narrationKeywords',
+    'payeeKeywords',
+    'categoryKeywords',
+    'methodKeywords',
+    'matchLogic',
+    'priority',
+    'enabled',
+    'autoApplyEnabled',
+    'confirmationCount',
+    'additionalTags',
+    'createdAt',
+    'updatedAt'
+  ]
+} as const;
+
+export const $TransactionRuleListResponseDto = {
+  type: 'object',
+  properties: {
+    data: {
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/TransactionRuleResponseDto'
+      }
+    },
+    total: {
       type: 'number',
-      description: 'Projected total amount',
-      example: 1000000
+      description: 'Total count of rules'
+    },
+    limit: {
+      type: 'number',
+      description: 'Results per page'
+    },
+    offset: {
+      type: 'number',
+      description: 'Pagination offset'
+    }
+  },
+  required: ['data', 'total', 'limit', 'offset']
+} as const;
+
+export const $ValidateRuleDto = {
+  type: 'object',
+  properties: {
+    name: {
+      type: 'string',
+      minLength: 1,
+      maxLength: 100
+    },
+    description: {
+      type: 'string',
+      maxLength: 500
+    },
+    narrationKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    payeeKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    categoryKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    methodKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      description: 'Payment method keywords (e.g., HuaBei, YuEBao)',
+      type: 'array'
+    },
+    categoryAccount: {
+      type: 'string',
+      maxLength: 200,
+      description:
+        'Destination account for expenses/income (e.g., Expenses:Food:Coffee)'
+    },
+    matchLogic: {
+      type: 'string',
+      enum: ['OR', 'AND'],
+      default: 'OR'
+    },
+    amountMin: {
+      type: 'number',
+      minimum: 0,
+      description: 'Minimum transaction amount (inclusive)'
+    },
+    amountMax: {
+      type: 'number',
+      minimum: 0,
+      description: 'Maximum transaction amount (inclusive)'
+    },
+    priority: {
+      type: 'number',
+      default: 50,
+      minimum: 0,
+      maximum: 1000
+    },
+    additionalTags: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 20,
+      type: 'array'
+    },
+    additionalMetadata: {
+      type: 'object'
+    },
+    upsertByPayee: {
+      type: 'boolean',
+      description:
+        'If true, update existing rule with matching payeeKeywords[0] instead of creating new rule'
+    }
+  },
+  required: ['name', 'matchLogic', 'priority']
+} as const;
+
+export const $ValidateRuleResponseDto = {
+  type: 'object',
+  properties: {
+    valid: {
+      type: 'boolean',
+      description: 'Whether the rule configuration is valid',
+      example: true
+    },
+    errors: {
+      description: 'List of validation errors (empty if valid)',
+      example: [],
+      items: {
+        type: 'array'
+      },
+      type: 'array'
+    },
+    warnings: {
+      description: 'List of validation warnings (non-blocking issues)',
+      example: [
+        'No account constraints specified - rule will match any account'
+      ],
+      items: {
+        type: 'array'
+      },
+      type: 'array'
+    }
+  },
+  required: ['valid', 'errors', 'warnings']
+} as const;
+
+export const $BulkCreateRulesDto = {
+  type: 'object',
+  properties: {
+    rules: {
+      items: {
+        type: 'array'
+      },
+      description: 'Array of rules to import',
+      type: 'array'
+    },
+    conflictStrategy: {
+      type: 'string',
+      enum: ['replace', 'skip'],
+      default: 'skip',
+      description:
+        'Conflict handling strategy: skip (default) ignores duplicates, replace soft-deletes existing rule'
+    }
+  },
+  required: ['rules', 'conflictStrategy']
+} as const;
+
+export const $BulkCreateRulesResponseDto = {
+  type: 'object',
+  properties: {
+    successCount: {
+      type: 'number',
+      description: 'Number of successfully created rules'
+    },
+    failureCount: {
+      type: 'number',
+      description: 'Number of failed rules'
+    },
+    errors: {
+      type: 'array',
+      description: 'Error details for failed rules',
+      items: {
+        type: 'object',
+        properties: {
+          index: {
+            type: 'number'
+          },
+          message: {
+            type: 'string'
+          }
+        }
+      }
+    },
+    createdRuleIds: {
+      description: 'IDs of successfully created rules',
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    }
+  },
+  required: ['successCount', 'failureCount', 'errors', 'createdRuleIds']
+} as const;
+
+export const $ExportRulesResponseDto = {
+  type: 'object',
+  properties: {
+    exportedAt: {
+      type: 'string',
+      description: 'Export timestamp'
+    },
+    userId: {
+      type: 'string',
+      description: 'User ID'
+    },
+    ruleCount: {
+      type: 'number',
+      description: 'Number of exported rules'
+    },
+    rules: {
+      type: 'array',
+      description: 'Exported rules'
+    }
+  },
+  required: ['exportedAt', 'userId', 'ruleCount', 'rules']
+} as const;
+
+export const $RuleStatisticsResponseDto = {
+  type: 'object',
+  properties: {
+    period: {
+      type: 'string',
+      description: 'Statistics time period',
+      enum: ['7d', '30d', '90d']
+    },
+    totalRules: {
+      type: 'number',
+      description: 'Total number of rules'
+    },
+    rulesWithMatches: {
+      type: 'number',
+      description: 'Number of rules with at least one match'
+    },
+    totalMatches: {
+      type: 'number',
+      description: 'Total number of matches across all rules'
+    },
+    averageConfidence: {
+      type: 'number',
+      description: 'Average confidence score across all matches',
+      example: 0.82
+    },
+    ruleStats: {
+      type: 'array',
+      description: 'Per-rule statistics',
+      items: {
+        type: 'object',
+        properties: {
+          ruleId: {
+            type: 'string'
+          },
+          ruleName: {
+            type: 'string'
+          },
+          matchCount: {
+            type: 'number'
+          },
+          averageConfidence: {
+            type: 'number'
+          }
+        }
+      }
+    }
+  },
+  required: [
+    'period',
+    'totalRules',
+    'rulesWithMatches',
+    'totalMatches',
+    'averageConfidence',
+    'ruleStats'
+  ]
+} as const;
+
+export const $UpdateTransactionRuleDto = {
+  type: 'object',
+  properties: {
+    name: {
+      type: 'string',
+      minLength: 1,
+      maxLength: 100
+    },
+    description: {
+      type: 'string',
+      maxLength: 500
+    },
+    narrationKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    payeeKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    categoryKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      type: 'array'
+    },
+    methodKeywords: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 50,
+      description: 'Payment method keywords (e.g., HuaBei, YuEBao)',
+      type: 'array'
+    },
+    categoryAccount: {
+      type: 'string',
+      maxLength: 200,
+      description:
+        'Destination account for expenses/income (e.g., Expenses:Food:Coffee)'
+    },
+    matchLogic: {
+      type: 'string',
+      enum: ['OR', 'AND']
+    },
+    amountMin: {
+      type: 'number',
+      minimum: 0,
+      description: 'Minimum transaction amount (inclusive)'
+    },
+    amountMax: {
+      type: 'number',
+      minimum: 0,
+      description: 'Maximum transaction amount (inclusive)'
+    },
+    priority: {
+      type: 'number',
+      minimum: 0,
+      maximum: 1000
+    },
+    enabled: {
+      type: 'boolean',
+      description: 'Enable or disable the rule'
+    },
+    additionalTags: {
+      items: {
+        type: 'array'
+      },
+      maxItems: 20,
+      type: 'array'
+    },
+    additionalMetadata: {
+      type: 'object'
+    }
+  }
+} as const;
+
+export const $TestRuleDto = {
+  type: 'object',
+  properties: {
+    narration: {
+      type: 'string',
+      minLength: 1,
+      maxLength: 500
+    },
+    payee: {
+      type: 'string',
+      maxLength: 200
+    },
+    categoryAccount: {
+      type: 'string',
+      maxLength: 200
+    },
+    amount: {
+      type: 'number'
+    },
+    currency: {
+      type: 'string',
+      maxLength: 10
+    }
+  },
+  required: ['narration']
+} as const;
+
+export const $TestRuleResponseDto = {
+  type: 'object',
+  properties: {
+    ruleId: {
+      type: 'string',
+      description: 'Rule ID that was tested'
+    },
+    matches: {
+      type: 'boolean',
+      description: 'Whether the rule matched the test data'
+    },
+    confidence: {
+      type: 'number',
+      description: 'Match confidence score (0-1)',
+      example: 0.85
+    },
+    matchDetails: {
+      type: 'object',
+      description: 'Details of which fields matched',
+      example: {
+        narration: true,
+        payee: false,
+        categoryAccount: false
+      }
+    }
+  },
+  required: ['ruleId', 'matches', 'confidence', 'matchDetails']
+} as const;
+
+export const $CategoryCatalogEntryDto = {
+  type: 'object',
+  properties: {
+    slug: {
+      type: 'string',
+      description: 'Category slug (single source-of-truth)',
+      example: 'food'
+    },
+    scenario: {
+      type: 'string',
+      description: 'Display scenario group (maps to frontend picker _scenario)',
+      enum: [
+        'expense',
+        'income',
+        'investment',
+        'banking',
+        'transfer',
+        'payment'
+      ],
+      example: 'expense'
+    },
+    icon: {
+      type: 'string',
+      description: 'Lucide icon name',
+      example: 'utensils'
+    },
+    regions: {
+      description: "Applicable regions ('*' = all, 'cn' = CN-only)",
+      example: ['*'],
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    }
+  },
+  required: ['slug', 'scenario', 'icon', 'regions']
+} as const;
+
+export const $CategoryCatalogListResponseDto = {
+  type: 'object',
+  properties: {
+    items: {
+      description: 'Category entries (region-scoped, query-filtered)',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/CategoryCatalogEntryDto'
+      }
+    },
+    total: {
+      type: 'number',
+      description:
+        'Total category entries for the region (before query filtering)',
+      example: 30
+    },
+    region: {
+      type: 'string',
+      description: 'Region code',
+      example: 'cn'
+    }
+  },
+  required: ['items', 'total', 'region']
+} as const;
+
+export const $CreateBeanEventDto = {
+  type: 'object',
+  properties: {
+    date: {
+      type: 'string',
+      description: 'Life event date (ISO 8601)',
+      example: '2024-03-15'
+    },
+    type: {
+      type: 'string',
+      description:
+        'Life event type (e.g., "employer", "location", "marital-status") — user-defined, no enum constraint at engine layer',
+      example: 'employer'
+    },
+    description: {
+      type: 'string',
+      description:
+        'Life event description. Empty string is a VALID value (distinct from absence).',
+      example: 'Acme Corp'
+    },
+    meta: {
+      type: 'object',
+      description:
+        'Product-side metadata (lives in BeanEvent.meta JSON, never in engine Event fields)',
+      example: {
+        note: 'Promotion'
+      }
+    }
+  },
+  required: ['date', 'type', 'description']
+} as const;
+
+export const $EventResponseDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string',
+      description: 'Unique identifier',
+      example: 'uuid-123-456'
+    },
+    userId: {
+      type: 'string',
+      description: 'User ID (owner of the life event)',
+      example: 'user-123'
+    },
+    date: {
+      type: 'string',
+      description: 'Life event date (ISO 8601 format)',
+      example: '2024-03-15',
+      format: 'date'
+    },
+    type: {
+      type: 'string',
+      description:
+        'Life event type (user-defined, e.g., "employer", "location")',
+      example: 'employer'
+    },
+    description: {
+      type: 'string',
+      description:
+        'Life event description. May be an empty string (a valid value distinct from absence).',
+      example: 'Acme Corp'
+    },
+    meta: {
+      type: 'object',
+      description: 'Product-side metadata (free-form JSON)',
+      example: {
+        note: 'Promotion'
+      }
+    },
+    createdAt: {
+      format: 'date-time',
+      type: 'string',
+      description: 'Creation timestamp',
+      example: '2024-03-15T10:00:00Z'
+    },
+    updatedAt: {
+      format: 'date-time',
+      type: 'string',
+      description:
+        'Last update timestamp. Also emitted as the ETag response header for If-Match optimistic concurrency.',
+      example: '2024-03-15T10:00:00Z'
+    }
+  },
+  required: [
+    'id',
+    'userId',
+    'date',
+    'type',
+    'description',
+    'meta',
+    'createdAt',
+    'updatedAt'
+  ]
+} as const;
+
+export const $EventListResponseDto = {
+  type: 'object',
+  properties: {
+    items: {
+      description: 'List of life events',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/EventResponseDto'
+      }
+    },
+    total: {
+      type: 'number',
+      description: 'Total number of life events matching the query',
+      example: 42
+    }
+  },
+  required: ['items', 'total']
+} as const;
+
+export const $UpdateBeanEventDto = {
+  type: 'object',
+  properties: {
+    date: {
+      type: 'string',
+      description: 'Life event date (ISO 8601)'
+    },
+    type: {
+      type: 'string',
+      description: 'Life event type (user-defined)'
+    },
+    description: {
+      type: 'string',
+      description:
+        'Life event description. Empty string is a VALID value (distinct from absence).'
+    },
+    meta: {
+      type: 'object',
+      description: 'Product-side metadata (free-form JSON)'
+    }
+  }
+} as const;
+
+export const $OnboardingAccountDto = {
+  type: 'object',
+  properties: {
+    path: {
+      type: 'string',
+      description:
+        'Account path (Assets/Liabilities only; format validated by the account service)',
+      example: 'Assets:Checking'
+    },
+    currency: {
+      type: 'string',
+      description: 'ISO 4217 currency code (3 letters)',
+      example: 'USD'
+    },
+    openingBalance: {
+      type: 'string',
+      description:
+        'Opening balance as a non-negative Decimal string (e.g. "1000.00")',
+      example: '1000.00'
+    },
+    platformId: {
+      type: 'string',
+      description:
+        'Platform ID to bind the account to (references Platform.id); omit for unbound',
+      example: 'c98e5d4a-2f71-4a5a-bb3c-92c9f231d5e2'
+    }
+  },
+  required: ['path', 'currency']
+} as const;
+
+export const $OnboardingDto = {
+  type: 'object',
+  properties: {
+    accounts: {
+      description: 'Asset/Liability accounts to register with opening balances',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/OnboardingAccountDto'
+      }
+    },
+    skipAssetRegistration: {
+      type: 'boolean',
+      description:
+        'Skip asset registration; only bootstrap the core account set',
+      default: false
+    }
+  }
+} as const;
+
+export const $ActualBalanceDto = {
+  type: 'object',
+  properties: {
+    amount: {
+      type: 'string',
+      description:
+        'Actual balance amount as a decimal string (preserves precision for tolerance inference).',
+      example: '1234.56'
+    },
+    ccy: {
+      type: 'string',
+      description: 'Currency code (ISO 4217 or commodity ticker).',
+      example: 'CNY'
+    }
+  },
+  required: ['amount', 'ccy']
+} as const;
+
+export const $ComputeReconciliationDto = {
+  type: 'object',
+  properties: {
+    accountId: {
+      type: 'string',
+      description: 'BeanAccount id to reconcile.'
+    },
+    asOfDate: {
+      type: 'string',
+      description: 'Assertion date (ISO 8601, e.g. "2026-07-24").',
+      example: '2026-07-24'
+    },
+    actualBalance: {
+      description: 'Actual balance from the external statement.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/ActualBalanceDto'
+        }
+      ]
+    }
+  },
+  required: ['accountId', 'asOfDate', 'actualBalance']
+} as const;
+
+export const $ReconciliationComputeResultDto = {
+  type: 'object',
+  properties: {
+    accountId: {
+      type: 'string'
+    },
+    asOfDate: {
+      type: 'string'
+    },
+    bookBalance: {
+      type: 'string',
+      description: 'System-computed book balance (decimal string).'
+    },
+    actualBalance: {
+      type: 'string',
+      description: 'User-entered actual balance (decimal string).'
+    },
+    currency: {
+      type: 'string'
+    },
+    diff: {
+      type: 'string',
+      description: 'Diff = book − actual (decimal string).'
+    },
+    tolerance: {
+      type: 'string',
+      description: 'Applied tolerance (decimal string).'
+    },
+    withinTolerance: {
+      type: 'boolean',
+      description: 'true when |diff| ≤ tolerance.'
+    },
+    suggestedAction: {
+      type: 'string',
+      enum: ['assert', 'pad'],
+      description:
+        'Suggested next action: assert when within tolerance, pad otherwise.'
+    }
+  },
+  required: [
+    'accountId',
+    'asOfDate',
+    'bookBalance',
+    'actualBalance',
+    'currency',
+    'diff',
+    'tolerance',
+    'withinTolerance',
+    'suggestedAction'
+  ]
+} as const;
+
+export const $AssertReconciliationDto = {
+  type: 'object',
+  properties: {
+    accountId: {
+      type: 'string',
+      description: 'BeanAccount id to reconcile.'
+    },
+    asOfDate: {
+      type: 'string',
+      description: 'Assertion date (ISO 8601, e.g. "2026-07-24").',
+      example: '2026-07-24'
+    },
+    actualBalance: {
+      description: 'Actual balance from the external statement.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/ActualBalanceDto'
+        }
+      ]
+    },
+    tolerance: {
+      type: 'string',
+      description:
+        'Optional explicit tolerance override. Omit to infer from amount precision (Beancount default).',
+      example: '0.01'
+    }
+  },
+  required: ['accountId', 'asOfDate', 'actualBalance']
+} as const;
+
+export const $ReconciliationRecordDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string'
+    },
+    accountId: {
+      type: 'string'
+    },
+    date: {
+      type: 'string'
+    },
+    amount: {
+      type: 'string',
+      description: 'Asserted (actual) amount.'
+    },
+    currency: {
+      type: 'string'
+    },
+    tolerance: {
+      type: 'string'
+    },
+    diffAmount: {
+      type: 'string',
+      description: 'book − actual.'
+    },
+    diffCurrency: {
+      type: 'string'
+    },
+    createdAt: {
+      type: 'string'
+    }
+  },
+  required: ['id', 'accountId', 'date', 'amount', 'currency', 'createdAt']
+} as const;
+
+export const $PadReconciliationDto = {
+  type: 'object',
+  properties: {
+    accountId: {
+      type: 'string',
+      description: 'BeanAccount id to reconcile.'
     },
-    retirementDate: {
+    asOfDate: {
       type: 'string',
-      description: 'Retirement date in ISO 8601 format',
-      example: '2050-01-01'
+      description: 'Assertion date (ISO 8601, e.g. "2026-07-24").',
+      example: '2026-07-24'
     },
-    savingsRate: {
-      type: 'number',
-      description: 'Savings rate percentage',
-      example: 0.2
+    actualBalance: {
+      description: 'Actual balance from the external statement.',
+      allOf: [
+        {
+          $ref: '#/components/schemas/ActualBalanceDto'
+        }
+      ]
     },
-    viewMode: {
+    sourceAccount: {
       type: 'string',
-      description: 'View mode',
-      enum: ['DEFAULT', 'ZEN']
+      description:
+        'Pad source account. Defaults to Equity:Opening-Balances (official Beancount convention).',
+      example: 'Equity:Opening-Balances',
+      default: 'Equity:Opening-Balances'
     }
-  }
+  },
+  required: ['accountId', 'asOfDate', 'actualBalance']
 } as const;
 
-export const $UpdatePropertyDto = {
+export const $PadResultDto = {
   type: 'object',
   properties: {
-    value: {
+    transactionId: {
       type: 'string',
-      description: 'Property value'
+      description: 'Created pad adjusting transaction id.'
     }
   },
-  required: ['value']
+  required: ['transactionId']
 } as const;
 
 export const $FileImportDto = {
@@ -4433,7 +5590,7 @@ export const $IdentifyResultDto = {
     account: {
       type: 'string',
       description: 'Default account used by this importer',
-      example: 'Assets:Alipay:Balance'
+      example: 'Assets:CN:Alipay:Balance'
     },
     message: {
       type: 'string',
@@ -4450,7 +5607,7 @@ export const $MapperDefaultsDto = {
     sourceAccount: {
       type: 'string',
       description: 'Source account for transactions (Beancount format)',
-      example: 'Assets:Alipay:Balance'
+      example: 'Assets:CN:Alipay:Balance'
     },
     currency: {
       type: 'string',
@@ -4487,7 +5644,7 @@ export const $MapperDefaultsDto = {
       description:
         'Payment method to source account mapping. Maps payment method keywords to Beancount account paths. Used by Alipay/WeChat importers to determine sourceAccount based on payment method (e.g., HuaBei, CreditCard).',
       example: {
-        HuaBei: 'Liabilities:Alipay:Huabei',
+        HuaBei: 'Liabilities:CN:CreditLine',
         CreditCard: 'Liabilities:CreditCard'
       }
     }
@@ -4619,8 +5776,9 @@ export const $UpdateMapperDefaultsDto = {
     sourceAccount: {
       type: 'string',
       description: 'Source account for transactions (Beancount format)',
-      example: 'Assets:Alipay:Balance',
-      pattern: '^[A-Z][a-zA-Z0-9-]*:[a-zA-Z0-9-:]+$'
+      example: 'Assets:CN:Alipay:Balance',
+      pattern:
+        '^(Assets|Liabilities|Income|Expenses|Equity)(:[A-Za-z0-9][A-Za-z0-9-]*)+$'
     },
     currency: {
       type: 'string',
@@ -4634,20 +5792,22 @@ export const $UpdateMapperDefaultsDto = {
       type: 'string',
       description: 'Default expense account (optional)',
       example: 'Expenses:Unknown',
-      pattern: '^[A-Z][a-zA-Z0-9-]*:[a-zA-Z0-9-:]+$'
+      pattern:
+        '^(Assets|Liabilities|Income|Expenses|Equity)(:[A-Za-z0-9][A-Za-z0-9-]*)+$'
     },
     incomeAccount: {
       type: 'string',
       description: 'Default income account (optional)',
       example: 'Income:Unknown',
-      pattern: '^[A-Z][a-zA-Z0-9-]*:[a-zA-Z0-9-:]+$'
+      pattern:
+        '^(Assets|Liabilities|Income|Expenses|Equity)(:[A-Za-z0-9][A-Za-z0-9-]*)+$'
     },
     methodAccountMapping: {
       type: 'object',
       description:
         'Payment method to source account mapping. Maps payment method keywords to Beancount account paths. Used by Alipay/WeChat importers to determine sourceAccount based on payment method (e.g., HuaBei, CreditCard).',
       example: {
-        HuaBei: 'Liabilities:Alipay:Huabei',
+        HuaBei: 'Liabilities:CN:CreditLine',
         CreditCard: 'Liabilities:CreditCard'
       }
     }
@@ -4682,119 +5842,13 @@ export const $UpdateImporterConfigDto = {
   }
 } as const;
 
-export const $CreatePlatformDto = {
-  type: 'object',
-  properties: {
-    name: {
-      type: 'string',
-      description: 'Platform name',
-      example: 'Binance'
-    },
-    canonical: {
-      type: 'string',
-      description: 'Platform canonical identifier (lowercase, kebab-case)',
-      example: 'binance'
-    },
-    aliases: {
-      description: 'Platform aliases (multi-language names for lookup)',
-      example: ['Binance', 'Binance Exchange', 'BNB'],
-      type: 'array',
-      items: {
-        type: 'string'
-      }
-    },
-    url: {
-      type: 'string',
-      description: 'Platform URL',
-      example: 'https://www.binance.com'
-    },
-    type: {
-      type: 'string',
-      description: 'Platform type',
-      enum: [
-        'BANK',
-        'BROKERAGE',
-        'CRYPTO_EXCHANGE',
-        'PAYMENT',
-        'INVESTMENT',
-        'INSURANCE',
-        'OTHER'
-      ],
-      example: 'CRYPTO_EXCHANGE'
-    },
-    logoUrl: {
-      type: 'string',
-      description: 'Platform logo URL',
-      example: 'https://example.com/logos/binance.png'
-    },
-    isActive: {
-      type: 'boolean',
-      description: 'Whether the platform is active',
-      default: true
-    }
-  },
-  required: ['name', 'canonical', 'aliases', 'url', 'type']
-} as const;
-
-export const $UpdatePlatformDto = {
-  type: 'object',
-  properties: {
-    name: {
-      type: 'string',
-      description: 'Platform name',
-      example: 'Binance'
-    },
-    canonical: {
-      type: 'string',
-      description: 'Platform canonical identifier (lowercase, kebab-case)',
-      example: 'binance'
-    },
-    aliases: {
-      description: 'Platform aliases (multi-language names for lookup)',
-      example: ['Binance', 'Binance Exchange', 'BNB'],
-      type: 'array',
-      items: {
-        type: 'string'
-      }
-    },
-    url: {
-      type: 'string',
-      description: 'Platform URL',
-      example: 'https://www.binance.com'
-    },
-    type: {
-      type: 'string',
-      description: 'Platform type',
-      enum: [
-        'BANK',
-        'BROKERAGE',
-        'CRYPTO_EXCHANGE',
-        'PAYMENT',
-        'INVESTMENT',
-        'INSURANCE',
-        'OTHER'
-      ],
-      example: 'CRYPTO_EXCHANGE'
-    },
-    logoUrl: {
-      type: 'string',
-      description: 'Platform logo URL',
-      example: 'https://example.com/logos/binance.png'
-    },
-    isActive: {
-      type: 'boolean',
-      description: 'Whether the platform is active'
-    }
-  }
-} as const;
-
 export const $ProviderSyncConfigDto = {
   type: 'object',
   properties: {
     sourceAccount: {
       type: 'string',
       description: 'Source account for the first posting',
-      example: 'Assets:Bank:Chase'
+      example: 'Assets:US:Chase:Checking'
     },
     defaultCurrency: {
       type: 'string',
@@ -4803,26 +5857,29 @@ export const $ProviderSyncConfigDto = {
     },
     defaultExpenseAccount: {
       type: 'string',
-      description: 'Default expense account for the second posting',
+      description:
+        'Default expense account for the second posting. Omit when no real default exists; the pipeline routes to Review via the Uncategorized sentinel (#618).',
       example: 'Expenses:Unknown'
     },
     defaultIncomeAccount: {
       type: 'string',
-      description: 'Default income account for the second posting',
+      description:
+        'Default income account for the second posting. Omit when no real default exists; the pipeline routes to Review via the Uncategorized sentinel (#618).',
       example: 'Income:Unknown'
     },
     filterPending: {
       type: 'boolean',
       description: 'Filter pending transactions',
       default: true
+    },
+    externalAccountId: {
+      type: 'string',
+      description:
+        'External account ID for per-batch providers (e.g. GoCardless). Overrides sourceAccount when an ExternalAccountLink mapping exists.',
+      example: 'acc_gocardless_001'
     }
   },
-  required: [
-    'sourceAccount',
-    'defaultCurrency',
-    'defaultExpenseAccount',
-    'defaultIncomeAccount'
-  ]
+  required: ['sourceAccount', 'defaultCurrency']
 } as const;
 
 export const $ProviderSyncDto = {
@@ -4930,18 +5987,189 @@ export const $SupportedProvidersResponseDto = {
         type: 'string'
       }
     }
-  },
-  required: ['providers']
-} as const;
-
-export const $ParserTelemetryReportDto = {
-  type: 'object',
-  properties: {}
-} as const;
-
-export const $UncoveredFormatMissDto = {
-  type: 'object',
-  properties: {}
+  },
+  required: ['providers']
+} as const;
+
+export const $CreateExternalAccountLinkDto = {
+  type: 'object',
+  properties: {
+    provider: {
+      type: 'string',
+      enum: [
+        'plaid',
+        'teller',
+        'truelayer',
+        'gocardless',
+        'simplefin',
+        'yodlee',
+        'beancount-direct',
+        'parsed-bill'
+      ],
+      example: 'plaid',
+      description: 'Open Banking provider (whitelist)'
+    },
+    externalAccountId: {
+      type: 'string',
+      example: 'acc-plaid-001',
+      description: 'External account ID from the provider'
+    },
+    beanAccountId: {
+      type: 'string',
+      example: '550e8400-e29b-41d4-a716-446655440000',
+      description: 'Target BeanAccount ID (must belong to the JWT user)'
+    }
+  },
+  required: ['provider', 'externalAccountId', 'beanAccountId']
+} as const;
+
+export const $ExternalAccountLinkResponseDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string'
+    },
+    provider: {
+      type: 'string'
+    },
+    externalAccountId: {
+      type: 'string'
+    },
+    beanAccountId: {
+      type: 'string'
+    },
+    isActive: {
+      type: 'boolean'
+    },
+    createdAt: {
+      type: 'string'
+    },
+    updatedAt: {
+      type: 'string'
+    }
+  },
+  required: [
+    'id',
+    'provider',
+    'externalAccountId',
+    'beanAccountId',
+    'isActive',
+    'createdAt',
+    'updatedAt'
+  ]
+} as const;
+
+export const $ExternalAccountLinkListResponseDto = {
+  type: 'object',
+  properties: {
+    items: {
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/ExternalAccountLinkResponseDto'
+      }
+    },
+    total: {
+      type: 'number'
+    },
+    provider: {
+      type: 'string',
+      description: 'Filter by provider (query param)'
+    }
+  },
+  required: ['items', 'total']
+} as const;
+
+export const $ParserTelemetryReportDto = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $UncoveredFormatMissDto = {
+  type: 'object',
+  properties: {}
+} as const;
+
+export const $ClientParsedDataDto = {
+  type: 'object',
+  properties: {
+    amount: {
+      type: 'number',
+      description: 'Transaction amount',
+      example: 35
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency code',
+      example: 'CNY'
+    },
+    date: {
+      type: 'string',
+      description: 'Transaction date (ISO 8601)',
+      example: '2026-08-15'
+    },
+    payee: {
+      type: 'string',
+      description: 'Payee/merchant name',
+      example: 'Starbucks'
+    },
+    narration: {
+      type: 'string',
+      description: 'Transaction narration'
+    },
+    category: {
+      type: 'string',
+      description: 'Category slug',
+      example: 'food_restaurant'
+    },
+    incomeType: {
+      type: 'string',
+      description: 'Income type',
+      example: 'Salary'
+    },
+    incomeSource: {
+      type: 'string',
+      description: 'Income source',
+      example: 'Anthropic Inc.'
+    },
+    symbol: {
+      type: 'string',
+      description: 'Security symbol code (e.g., 600519, AAPL)',
+      example: 'AAPL'
+    },
+    quantity: {
+      type: 'number',
+      description: 'Quantity of shares/units',
+      example: 100
+    },
+    price: {
+      type: 'number',
+      description: 'Unit price per share/unit',
+      example: 1900
+    },
+    investmentAction: {
+      type: 'string',
+      description: 'Investment action',
+      enum: ['buy', 'sell'],
+      example: 'buy'
+    },
+    paymentSource: {
+      type: 'string',
+      description: 'Payment source: asset (default) or liability (credit card)',
+      enum: ['asset', 'liability'],
+      example: 'asset'
+    },
+    liabilityHint: {
+      type: 'string',
+      description: 'Liability account hint (CreditCard/Huabei/Baitiao)',
+      example: 'CreditCard'
+    },
+    warning: {
+      type: 'string',
+      description:
+        'Display-only warning from the prior response; accepted but ignored.',
+      example: 'Cross-currency settlement applies.'
+    }
+  }
 } as const;
 
 export const $ProcessNlpDto = {
@@ -4949,10 +6177,17 @@ export const $ProcessNlpDto = {
   properties: {
     message: {
       type: 'string',
-      description: 'Natural language text describing a transaction (Chinese)',
-      example: 'yesterday Starbucks spent 35 yuan',
+      description:
+        'Natural language text describing a transaction. Optional when `confirm` is true (structured confirm); otherwise required.',
+      example: 'Starbucks 35',
       maxLength: 500
     },
+    confirm: {
+      type: 'boolean',
+      description:
+        'Structured confirm signal — bypasses NL confirm-word matching when true. Send parsedData field edits alongside. The NL word-list path is the fallback.',
+      example: true
+    },
     sessionId: {
       type: 'string',
       description:
@@ -4960,17 +6195,32 @@ export const $ProcessNlpDto = {
       example: 'session_abc123'
     },
     parsedData: {
-      type: 'object',
       description:
         'Parsed data from previous NLP response for session recovery. Send back the parsedData received in confirm_payee/confirm responses.',
       example: {
         amount: 35,
         currency: 'CNY',
         payee: 'Starbucks'
-      }
+      },
+      allOf: [
+        {
+          $ref: '#/components/schemas/ClientParsedDataDto'
+        }
+      ]
+    },
+    selectedRuleId: {
+      type: 'string',
+      description:
+        'confirm_rule echo-back: rule id selected from the prior confirm_rule response (matchedRule.id or alternatives[i].ruleId). Applied directly when the session is confirming_rule — no NL re-parse.',
+      example: 'rule_abc123'
+    },
+    selectedAccount: {
+      type: 'string',
+      description:
+        'confirm_account echo-back: account path selected from the prior confirm_account response (suggestedAccount, similarAccounts[i], or a typed path). Applied directly when the session is confirming_account — no NL re-parse.',
+      example: 'Expenses:Food:Coffee'
     }
-  },
-  required: ['message']
+  }
 } as const;
 
 export const $NlpTransactionInfoDto = {
@@ -5292,7 +6542,8 @@ export const $NlpAccountConfirmationDataDto = {
     },
     suggestedAccount: {
       type: 'string',
-      description: 'Suggested replacement account',
+      description:
+        'Suggested replacement account (omitted when no clear candidate)',
       example: 'Expenses:Food:Drinks'
     },
     similarAccounts: {
@@ -5314,7 +6565,6 @@ export const $NlpAccountConfirmationDataDto = {
   },
   required: [
     'invalidAccount',
-    'suggestedAccount',
     'similarAccounts',
     'errorMessage',
     'transactionContext'
@@ -5483,11 +6733,12 @@ export const $NlpSuggestedAccountDto = {
     account: {
       type: 'string',
       description: 'Suggested account path',
-      example: 'Assets:Bank:Checking'
+      example: 'Assets:Checking'
     },
     confidence: {
       type: 'number',
-      description: 'Confidence score for this suggestion (0-1)',
+      description:
+        'Confidence score for this suggestion (0-1). Present = predicted (confirm/confirm_rule/confirm_account); omitted = actual persisted account (created). (#586)',
       example: 0.9
     }
   },
@@ -5523,23 +6774,31 @@ export const $NlpDefaultAccountsDto = {
   properties: {
     asset: {
       type: 'string',
-      description: 'Default asset account',
-      example: 'Assets:Bank:Checking'
+      description:
+        'Default OPEN asset account (MRU when multiple), or null when none/ambiguous',
+      example: 'Assets:Checking',
+      nullable: true
     },
     expense: {
       type: 'string',
-      description: 'Default expense account',
-      example: 'Expenses:Uncategorized'
+      description:
+        'Default OPEN expense account (MRU when multiple), or null when none/ambiguous',
+      example: 'Expenses:Food:Coffee',
+      nullable: true
     },
     income: {
       type: 'string',
-      description: 'Default income account',
-      example: 'Income:Uncategorized'
+      description:
+        'Default OPEN income account (MRU when multiple), or null when none/ambiguous',
+      example: 'Income:Salary',
+      nullable: true
     },
     liability: {
       type: 'string',
-      description: 'Default liability account',
-      example: 'Liabilities:CreditCard'
+      description:
+        'Default OPEN liability account (MRU when multiple), or null when none/ambiguous',
+      example: 'Liabilities:CreditCard',
+      nullable: true
     }
   },
   required: ['asset', 'expense', 'income', 'liability']
@@ -5564,7 +6823,8 @@ export const $NlpResponseDto = {
         'confirm_rule',
         'confirm_account',
         'confirm_payee',
-        'cancel'
+        'cancel',
+        'aborted'
       ]
     },
     intent: {
@@ -5578,7 +6838,7 @@ export const $NlpResponseDto = {
       type: 'string',
       description:
         'Asset sub-type (only present when intent is "asset"). Determines which asset-related form to render.',
-      enum: ['transfer', 'banking', 'investment'],
+      enum: ['transfer', 'banking', 'investment', 'lend', 'lend_collect'],
       example: 'investment'
     },
     liabilitySubType: {
@@ -5726,7 +6986,7 @@ export const $NlpResponseDto = {
     },
     suggestedAccounts: {
       description:
-        'Suggested accounts for this transaction. Contains recommended source and destination accounts based on the detected intent and rules.',
+        'Suggested accounts for this transaction (#586). confirm/confirm_rule/confirm_account: predicted (source/destination carry confidence); created: actual persisted accounts (confidence omitted). confirm_account destination is the suggested replacement, never the invalid account.',
       allOf: [
         {
           $ref: '#/components/schemas/NlpSuggestedAccountsDto'
@@ -5735,7 +6995,7 @@ export const $NlpResponseDto = {
     },
     defaultAccounts: {
       description:
-        'Default accounts for the user/region. These are fallback accounts used when no specific suggestion is available.',
+        'Default fallback accounts for the user/region (#586). v1 returns universal constants; per-user personalization is planned.',
       allOf: [
         {
           $ref: '#/components/schemas/NlpDefaultAccountsDto'
@@ -5743,24 +7003,285 @@ export const $NlpResponseDto = {
       ]
     }
   },
-  required: ['status', 'action']
+  required: ['status', 'action']
+} as const;
+
+export const $PlatformListItemDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string',
+      description: 'Global platform ID'
+    },
+    name: {
+      type: 'string',
+      description: 'Platform name'
+    },
+    url: {
+      type: 'string',
+      description: 'Platform URL'
+    },
+    type: {
+      type: 'string',
+      description: 'Platform type',
+      enum: [
+        'BANK',
+        'BROKERAGE',
+        'CRYPTO_EXCHANGE',
+        'PAYMENT',
+        'INVESTMENT',
+        'INSURANCE',
+        'OTHER'
+      ]
+    },
+    canonical: {
+      type: 'string',
+      description: 'Canonical identifier in ACCOUNT_RE format (e.g., "icbc")'
+    },
+    suggestedSegment: {
+      type: 'string',
+      description:
+        'Suggested path segment — canonical PascalCased per hyphen-part, hyphens preserved (e.g. "Apple-Pay")'
+    },
+    logoUrl: {
+      type: 'string',
+      description: 'Logo URL',
+      nullable: true
+    },
+    countryCode: {
+      type: 'string',
+      description: 'ISO 3166-1 alpha-2 (UPPERCASE); null = global platform',
+      example: 'CN',
+      nullable: true
+    },
+    category: {
+      type: 'string',
+      description:
+        'Region-aware category (institution vocab, e.g. DigitalWallet/Bank). null = no region-aware suggestion; fall back to type.',
+      nullable: true,
+      example: 'DigitalWallet'
+    },
+    isBound: {
+      type: 'boolean',
+      description: 'Whether user has accounts using this platform'
+    }
+  },
+  required: [
+    'id',
+    'name',
+    'url',
+    'type',
+    'canonical',
+    'suggestedSegment',
+    'logoUrl',
+    'countryCode',
+    'category',
+    'isBound'
+  ]
+} as const;
+
+export const $PlatformMatchResultDto = {
+  type: 'object',
+  properties: {
+    id: {
+      type: 'string',
+      description: 'Global platform ID'
+    },
+    name: {
+      type: 'string',
+      description: 'Platform name (e.g., "ICBC")'
+    },
+    canonical: {
+      type: 'string',
+      description: 'Canonical identifier in ACCOUNT_RE format (e.g., "icbc")'
+    },
+    type: {
+      type: 'string',
+      description: 'Platform type',
+      enum: [
+        'BANK',
+        'BROKERAGE',
+        'CRYPTO_EXCHANGE',
+        'PAYMENT',
+        'INVESTMENT',
+        'INSURANCE',
+        'OTHER'
+      ]
+    },
+    suggestedSegment: {
+      type: 'string',
+      description:
+        'Suggested path segment — canonical PascalCased per hyphen-part, hyphens preserved (e.g. "Apple-Pay")'
+    },
+    logoUrl: {
+      type: 'string',
+      description: 'Logo URL',
+      nullable: true
+    },
+    countryCode: {
+      type: 'string',
+      description: 'ISO 3166-1 alpha-2 (UPPERCASE); null = global platform',
+      example: 'CN',
+      nullable: true
+    },
+    category: {
+      type: 'string',
+      description:
+        'Region-aware category (institution vocab, e.g. DigitalWallet/Bank). null = no region-aware suggestion; fall back to type.',
+      nullable: true,
+      example: 'DigitalWallet'
+    },
+    matchType: {
+      type: 'string',
+      description: "How this row matched: 'exact' > 'prefix' > 'substring'",
+      enum: ['exact', 'prefix', 'substring']
+    }
+  },
+  required: [
+    'id',
+    'name',
+    'canonical',
+    'type',
+    'suggestedSegment',
+    'logoUrl',
+    'countryCode',
+    'category',
+    'matchType'
+  ]
+} as const;
+
+export const $PlatformMatchResponseDto = {
+  type: 'object',
+  properties: {
+    platforms: {
+      description: 'Ranked matches, best tier first (at most 10 rows)',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/PlatformMatchResultDto'
+      }
+    },
+    matchType: {
+      type: 'string',
+      description:
+        "Overall match quality — top row's tier, or 'none' when no hits",
+      enum: ['none', 'exact', 'prefix', 'substring']
+    },
+    total: {
+      type: 'number',
+      description: 'Total matches before LIMIT (truncation transparency)'
+    },
+    hasMore: {
+      type: 'boolean',
+      description: 'true when total > platforms.length (more matches exist)'
+    }
+  },
+  required: ['platforms', 'matchType', 'total', 'hasMore']
+} as const;
+
+export const $CreatePlatformDto = {
+  type: 'object',
+  properties: {
+    name: {
+      type: 'string',
+      description: 'Platform name',
+      example: 'Binance'
+    },
+    canonical: {
+      type: 'string',
+      description: 'Platform canonical identifier (lowercase, kebab-case)',
+      example: 'binance'
+    },
+    aliases: {
+      description: 'Platform aliases (multi-language names for lookup)',
+      example: ['Binance', 'Binance Exchange', 'BNB'],
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    },
+    url: {
+      type: 'string',
+      description: 'Platform URL',
+      example: 'https://www.binance.com'
+    },
+    type: {
+      type: 'string',
+      description: 'Platform type',
+      enum: [
+        'BANK',
+        'BROKERAGE',
+        'CRYPTO_EXCHANGE',
+        'PAYMENT',
+        'INVESTMENT',
+        'INSURANCE',
+        'OTHER'
+      ],
+      example: 'CRYPTO_EXCHANGE'
+    },
+    logoUrl: {
+      type: 'string',
+      description: 'Platform logo URL',
+      example: 'https://example.com/logos/binance.png'
+    },
+    isActive: {
+      type: 'boolean',
+      description: 'Whether the platform is active',
+      default: true
+    }
+  },
+  required: ['name', 'canonical', 'aliases', 'url', 'type']
 } as const;
 
-export const $BalanceByCurrencyDto = {
+export const $UpdatePlatformDto = {
   type: 'object',
   properties: {
-    currency: {
+    name: {
       type: 'string',
-      description: 'ISO 4217 currency code',
-      example: 'CNY'
+      description: 'Platform name',
+      example: 'Binance'
     },
-    balance: {
+    canonical: {
       type: 'string',
-      description: 'Balance amount',
-      example: '50000.00'
+      description: 'Platform canonical identifier (lowercase, kebab-case)',
+      example: 'binance'
+    },
+    aliases: {
+      description: 'Platform aliases (multi-language names for lookup)',
+      example: ['Binance', 'Binance Exchange', 'BNB'],
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    },
+    url: {
+      type: 'string',
+      description: 'Platform URL',
+      example: 'https://www.binance.com'
+    },
+    type: {
+      type: 'string',
+      description: 'Platform type',
+      enum: [
+        'BANK',
+        'BROKERAGE',
+        'CRYPTO_EXCHANGE',
+        'PAYMENT',
+        'INVESTMENT',
+        'INSURANCE',
+        'OTHER'
+      ],
+      example: 'CRYPTO_EXCHANGE'
+    },
+    logoUrl: {
+      type: 'string',
+      description: 'Platform logo URL',
+      example: 'https://example.com/logos/binance.png'
+    },
+    isActive: {
+      type: 'boolean',
+      description: 'Whether the platform is active'
     }
-  },
-  required: ['currency', 'balance']
+  }
 } as const;
 
 export const $NetWorthByCurrencyDto = {
@@ -5832,28 +7353,6 @@ export const $ConvertedNetWorthDto = {
   ]
 } as const;
 
-export const $ExchangeRateWarningDto = {
-  type: 'object',
-  properties: {
-    type: {
-      type: 'string',
-      description: 'Warning type',
-      example: 'MISSING_EXCHANGE_RATE'
-    },
-    currency: {
-      type: 'string',
-      description: 'Currency without exchange rate',
-      example: 'EUR'
-    },
-    totalAmount: {
-      type: 'string',
-      description: 'Total amount affected',
-      example: '1000.00'
-    }
-  },
-  required: ['type', 'currency', 'totalAmount']
-} as const;
-
 export const $NetWorthResponseDto = {
   type: 'object',
   properties: {
@@ -5939,7 +7438,7 @@ export const $AccountItemDto = {
     name: {
       type: 'string',
       description: 'Full account name',
-      example: 'Assets:Bank:CMB:Savings'
+      example: 'Assets:CN:CMB:Savings'
     },
     displayName: {
       type: 'string',
@@ -5955,6 +7454,12 @@ export const $AccountItemDto = {
       type: 'string',
       description: 'Currency code',
       example: 'CNY'
+    },
+    convertedBalance: {
+      type: 'string',
+      description:
+        'FX-converted balance in base currency; omitted when not convertible',
+      example: '50000.00'
     }
   },
   required: ['id', 'name', 'displayName', 'balance', 'currency']
@@ -5981,11 +7486,66 @@ export const $PlatformGroupDto = {
     },
     totalBalance: {
       type: 'string',
-      description: 'Total balance across all accounts in platform',
+      description: 'FX-converted total balance in base currency',
+      example: '100000.00'
+    },
+    balanceByCurrency: {
+      description: 'Raw (unconverted) balances grouped by currency',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/BalanceByCurrencyDto'
+      }
+    },
+    convertedBalance: {
+      type: 'string',
+      description:
+        'Converted balance in base currency (omitted when no currency is convertible)',
       example: '100000.00'
+    },
+    sharePct: {
+      type: 'number',
+      description:
+        'Share of the grand converted total (0-100); 0 when grand total is 0',
+      example: 42.5
+    }
+  },
+  required: [
+    'platformId',
+    'platformName',
+    'accounts',
+    'totalBalance',
+    'balanceByCurrency',
+    'sharePct'
+  ]
+} as const;
+
+export const $AccountExchangeRateWarningDto = {
+  type: 'object',
+  properties: {
+    type: {
+      type: 'string',
+      description: 'Warning type',
+      example: 'MISSING_EXCHANGE_RATE'
+    },
+    currency: {
+      type: 'string',
+      description: 'Currency without exchange rate',
+      example: 'USD'
+    },
+    accounts: {
+      description: 'Affected account paths',
+      type: 'array',
+      items: {
+        type: 'string'
+      }
+    },
+    totalAmount: {
+      type: 'string',
+      description: 'Total amount in this currency',
+      example: '5000.00'
     }
   },
-  required: ['platformId', 'platformName', 'accounts', 'totalBalance']
+  required: ['type', 'currency', 'accounts', 'totalAmount']
 } as const;
 
 export const $AccountsSummaryDto = {
@@ -5998,9 +7558,21 @@ export const $AccountsSummaryDto = {
     totalPlatforms: {
       type: 'number',
       description: 'Total number of platforms'
+    },
+    baseCurrency: {
+      type: 'string',
+      description: 'Base currency for conversion',
+      example: 'CNY'
+    },
+    warnings: {
+      description: 'Per-account exchange rate warnings',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/AccountExchangeRateWarningDto'
+      }
     }
   },
-  required: ['totalAccounts', 'totalPlatforms']
+  required: ['totalAccounts', 'totalPlatforms', 'baseCurrency']
 } as const;
 
 export const $AccountsResponseDto = {
@@ -6035,7 +7607,7 @@ export const $AccountItemWithAssetClassDto = {
     name: {
       type: 'string',
       description: 'Full account name',
-      example: 'Assets:Bank:CMB:Savings'
+      example: 'Assets:CN:CMB:Savings'
     },
     displayName: {
       type: 'string',
@@ -6052,6 +7624,12 @@ export const $AccountItemWithAssetClassDto = {
       description: 'Currency code',
       example: 'CNY'
     },
+    convertedBalance: {
+      type: 'string',
+      description:
+        'FX-converted balance in base currency; omitted when not convertible',
+      example: '50000.00'
+    },
     assetClass: {
       type: 'string',
       description: 'Asset class',
@@ -6131,35 +7709,6 @@ export const $AssetClassGroupDto = {
   required: ['assetClass', 'accounts', 'balanceByCurrency']
 } as const;
 
-export const $AccountExchangeRateWarningDto = {
-  type: 'object',
-  properties: {
-    type: {
-      type: 'string',
-      description: 'Warning type',
-      example: 'MISSING_EXCHANGE_RATE'
-    },
-    currency: {
-      type: 'string',
-      description: 'Currency without exchange rate',
-      example: 'USD'
-    },
-    accounts: {
-      description: 'Affected account paths',
-      type: 'array',
-      items: {
-        type: 'string'
-      }
-    },
-    totalAmount: {
-      type: 'string',
-      description: 'Total amount in this currency',
-      example: '5000.00'
-    }
-  },
-  required: ['type', 'currency', 'accounts', 'totalAmount']
-} as const;
-
 export const $AssetClassSummaryDto = {
   type: 'object',
   properties: {
@@ -6233,7 +7782,7 @@ export const $HoldingAssetClassAccountSliceDto = {
     accountPath: {
       type: 'string',
       description: 'Full account path',
-      example: 'Assets:US:Investments:Brokerage'
+      example: 'Assets:US:Fidelity:Brokerage'
     },
     accountCurrency: {
       type: 'string',
@@ -6405,38 +7954,133 @@ export const $CashFlowResponseDto = {
       description: 'Base currency code',
       example: 'CNY'
     },
-    byCurrency: {
-      description: 'Cash flow grouped by original currency',
-      allOf: [
-        {
-          $ref: '#/components/schemas/CashFlowByCurrencyDto'
-        }
-      ]
+    byCurrency: {
+      description: 'Cash flow grouped by original currency',
+      allOf: [
+        {
+          $ref: '#/components/schemas/CashFlowByCurrencyDto'
+        }
+      ]
+    },
+    converted: {
+      description: 'Converted values in base currency',
+      allOf: [
+        {
+          $ref: '#/components/schemas/ConvertedCashFlowDto'
+        }
+      ]
+    },
+    warnings: {
+      description: 'Exchange rate warnings',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/ExchangeRateWarningDto'
+      }
+    }
+  },
+  required: [
+    'period',
+    'income',
+    'expense',
+    'netSavings',
+    'savingsRate',
+    'currency'
+  ]
+} as const;
+
+export const $CategoryGroupDto = {
+  type: 'object',
+  properties: {
+    category: {
+      type: 'string',
+      description:
+        'Functional category (account-path Group segment); regional and universal account paths merge under it',
+      example: 'Food'
+    },
+    totalExpense: {
+      type: 'string',
+      description:
+        'Converted total for this category in base currency (expense amount when flow=expense, income amount when flow=income)',
+      example: '1200.00'
+    },
+    sharePct: {
+      type: 'number',
+      description: 'Share of grand total (0-100); 0 when grand total is 0',
+      example: 42.5
+    },
+    balanceByCurrency: {
+      description: 'Raw (unconverted) expense per currency',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/BalanceByCurrencyDto'
+      }
+    },
+    convertedBalance: {
+      type: 'string',
+      description:
+        'Converted total in base currency (omitted when FX missing for all currencies in this category)',
+      example: '1200.00'
+    }
+  },
+  required: ['category', 'totalExpense', 'sharePct', 'balanceByCurrency']
+} as const;
+
+export const $ExpensesByCategorySummaryDto = {
+  type: 'object',
+  properties: {
+    totalExpense: {
+      type: 'string',
+      description:
+        'Total across all categories, converted (convertible categories only); expense totals when flow=expense, income totals when flow=income',
+      example: '5000.00'
+    },
+    categoryCount: {
+      type: 'number',
+      description: 'Number of categories',
+      example: 8
+    }
+  },
+  required: ['totalExpense', 'categoryCount']
+} as const;
+
+export const $ExpensesByCategoryResponseDto = {
+  type: 'object',
+  properties: {
+    period: {
+      type: 'string',
+      description: 'Period requested',
+      example: '1m'
+    },
+    baseCurrency: {
+      type: 'string',
+      description: 'Base currency for converted values',
+      example: 'CNY'
+    },
+    groups: {
+      description:
+        'Expense groups by functional category, sorted by converted total desc',
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/CategoryGroupDto'
+      }
     },
-    converted: {
-      description: 'Converted values in base currency',
+    summary: {
+      description: 'Summary statistics',
       allOf: [
         {
-          $ref: '#/components/schemas/ConvertedCashFlowDto'
+          $ref: '#/components/schemas/ExpensesByCategorySummaryDto'
         }
       ]
     },
     warnings: {
-      description: 'Exchange rate warnings',
+      description: 'Exchange rate warnings (e.g. missing rate for a currency)',
       type: 'array',
       items: {
         $ref: '#/components/schemas/ExchangeRateWarningDto'
       }
     }
   },
-  required: [
-    'period',
-    'income',
-    'expense',
-    'netSavings',
-    'savingsRate',
-    'currency'
-  ]
+  required: ['period', 'baseCurrency', 'groups', 'summary']
 } as const;
 
 export const $MonetaryDto = {
@@ -6653,409 +8297,243 @@ export const $HoldingPnlRowDto = {
   },
   required: [
     'accountId',
-    'accountPath',
-    'symbol',
-    'chartToken',
-    'assetClass',
-    'units'
-  ]
-} as const;
-
-export const $HoldingPnlWarningDto = {
-  type: 'object',
-  properties: {
-    type: {
-      type: 'string',
-      description: 'Warning type',
-      example: 'MISSING_COST_FX_RATE',
-      enum: [
-        'MISSING_COST_FX_RATE',
-        'MISSING_MARKET_FX_RATE',
-        'MISSING_SALE_PRICE',
-        'MISSING_REALIZED_FX_RATE',
-        'OVERSOLD_LOTS',
-        'NO_PRICE',
-        'MIXED_COST_CURRENCY'
-      ]
-    },
-    symbol: {
-      type: 'object',
-      nullable: true
-    },
-    accountId: {
-      type: 'object',
-      nullable: true
-    },
-    currency: {
-      type: 'object',
-      nullable: true
-    }
-  },
-  required: ['type']
-} as const;
-
-export const $HoldingPnlResponseDto = {
-  type: 'object',
-  properties: {
-    asOfDate: {
-      type: 'string',
-      example: '2026-07-08'
-    },
-    baseCurrency: {
-      type: 'string',
-      example: 'CNY'
-    },
-    method: {
-      type: 'string',
-      description:
-        'Realized-P&L lot-matching method (FIFO or average). Unrealized cost basis remains average regardless of this value (#473).',
-      enum: ['average', 'FIFO'],
-      example: 'average'
-    },
-    rows: {
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/HoldingPnlRowDto'
-      }
-    },
-    warnings: {
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/HoldingPnlWarningDto'
-      }
-    }
-  },
-  required: ['asOfDate', 'baseCurrency', 'method', 'rows', 'warnings']
-} as const;
-
-export const $CreateBeanPriceDto = {
-  type: 'object',
-  properties: {
-    currency: {
-      type: 'string',
-      description: 'Currency being priced (e.g., USD, AAPL, BTC)',
-      example: 'USD'
-    },
-    quoteCurrency: {
-      type: 'string',
-      description: 'Quote currency (pricing currency, e.g., CNY, EUR)',
-      example: 'CNY'
-    },
-    amount: {
-      type: 'number',
-      description:
-        'Price amount (MUST be >= 0 per Beancount spec, supports up to 15 decimal places). Zero allowed for conversion entries, negative strictly prohibited.',
-      example: 175.5,
-      minimum: 0
-    },
-    date: {
-      type: 'string',
-      description: 'Price date (ISO 8601 format)',
-      example: '2024-11-05'
-    },
-    metadata: {
-      type: 'object',
-      description:
-        'Metadata (validated by Zod schema, max field lengths enforced)',
-      example: {
-        source: 'MANUAL',
-        note: 'Bank valuation report',
-        confidence: 0.95
-      }
-    }
-  },
-  required: ['currency', 'quoteCurrency', 'amount', 'date']
-} as const;
-
-export const $PriceResponseDto = {
-  type: 'object',
-  properties: {
-    id: {
-      type: 'string',
-      description: 'Unique identifier',
-      example: 'uuid-123-456'
-    },
-    userId: {
-      type: 'string',
-      description: 'User ID (owner of the price)',
-      example: 'user-123'
-    },
-    currency: {
-      type: 'string',
-      description: 'Currency being priced (e.g., USD, AAPL, BTC)',
-      example: 'BTC'
-    },
-    quoteCurrency: {
-      type: 'string',
-      description: 'Quote currency (pricing currency, e.g., USD, CNY)',
-      example: 'USD'
-    },
-    amount: {
-      type: 'number',
-      description:
-        'Price amount (corresponds to Beancount Amount.number). Supports up to 15 decimal places.',
-      example: 50000
-    },
-    date: {
-      type: 'string',
-      description:
-        'Price date (ISO 8601 format). Represents the date this price was valid.',
-      example: '2024-01-01',
-      format: 'date'
-    },
-    meta: {
-      type: 'object',
-      description:
-        'Metadata (corresponds to Beancount meta field). Contains source, confidence, note, etc.',
-      example: {
-        source: 'MANUAL',
-        note: 'User-defined price',
-        confidence: 1
-      }
-    },
-    createdAt: {
-      format: 'date-time',
-      type: 'string',
-      description: 'Creation timestamp',
-      example: '2024-11-03T10:00:00Z'
-    },
-    updatedAt: {
-      format: 'date-time',
-      type: 'string',
-      description: 'Last update timestamp',
-      example: '2024-11-03T10:00:00Z'
-    }
-  },
-  required: [
-    'id',
-    'userId',
-    'currency',
-    'quoteCurrency',
-    'amount',
-    'date',
-    'meta',
-    'createdAt',
-    'updatedAt'
-  ]
-} as const;
-
-export const $PriceListResponseDto = {
-  type: 'object',
-  properties: {
-    items: {
-      description: 'List of prices',
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/PriceResponseDto'
-      }
-    },
-    total: {
-      type: 'number',
-      description: 'Total number of prices',
-      example: 42
-    }
-  },
-  required: ['items', 'total']
-} as const;
-
-export const $UpdateBeanPriceDto = {
-  type: 'object',
-  properties: {
-    currency: {
-      type: 'string',
-      description: 'Currency being priced'
-    },
-    quoteCurrency: {
-      type: 'string',
-      description: 'Quote currency (pricing currency)'
-    },
-    amount: {
-      type: 'number',
-      description: 'Price amount (MUST be >= 0 per Beancount spec)',
-      minimum: 0
-    },
-    date: {
-      type: 'string',
-      description: 'Price date (ISO 8601 format)'
-    },
-    metadata: {
-      type: 'object',
-      description: 'Metadata'
-    }
-  }
+    'accountPath',
+    'symbol',
+    'chartToken',
+    'assetClass',
+    'units'
+  ]
 } as const;
 
-export const $CurrencyBalanceDto = {
+export const $HoldingPnlWarningDto = {
   type: 'object',
   properties: {
-    currency: {
+    type: {
       type: 'string',
-      description: 'ISO 4217 currency code',
-      example: 'CNY'
+      description: 'Warning type',
+      example: 'MISSING_COST_FX_RATE',
+      enum: [
+        'MISSING_COST_FX_RATE',
+        'MISSING_MARKET_FX_RATE',
+        'MISSING_SALE_PRICE',
+        'MISSING_REALIZED_FX_RATE',
+        'OVERSOLD_LOTS',
+        'NO_PRICE',
+        'MIXED_COST_CURRENCY'
+      ]
     },
-    balance: {
-      type: 'string',
-      description: 'Balance amount',
-      example: '500000.00'
+    symbol: {
+      type: 'object',
+      nullable: true
+    },
+    accountId: {
+      type: 'object',
+      nullable: true
+    },
+    currency: {
+      type: 'object',
+      nullable: true
     }
   },
-  required: ['currency', 'balance']
+  required: ['type']
 } as const;
 
-export const $TimeSeriesPointDto = {
+export const $HoldingPnlResponseDto = {
   type: 'object',
   properties: {
-    date: {
+    asOfDate: {
       type: 'string',
-      description: 'Date in YYYY-MM-DD format',
-      example: '2024-06-15'
+      example: '2026-07-08'
     },
-    value: {
+    baseCurrency: {
       type: 'string',
-      description: 'Value at this date (in base currency)',
-      example: '500000.00'
+      example: 'CNY'
     },
-    change: {
-      type: 'object',
-      description: 'Change from previous point',
-      example: '5000.00'
+    method: {
+      type: 'string',
+      description:
+        'Realized-P&L lot-matching method (FIFO or average). Unrealized cost basis remains average regardless of this value (#473).',
+      enum: ['average', 'FIFO'],
+      example: 'average'
     },
-    byCurrency: {
-      description: 'Multi-currency breakdown for this point',
+    rows: {
       type: 'array',
       items: {
-        $ref: '#/components/schemas/CurrencyBalanceDto'
+        $ref: '#/components/schemas/HoldingPnlRowDto'
+      }
+    },
+    warnings: {
+      type: 'array',
+      items: {
+        $ref: '#/components/schemas/HoldingPnlWarningDto'
       }
     }
   },
-  required: ['date', 'value']
+  required: ['asOfDate', 'baseCurrency', 'method', 'rows', 'warnings']
 } as const;
 
-export const $TrendSummaryDto = {
+export const $AnonymousLoginDto = {
   type: 'object',
   properties: {
-    startValue: {
-      type: 'string',
-      description: 'Value at start of period',
-      example: '450000.00'
-    },
-    endValue: {
-      type: 'string',
-      description: 'Value at end of period',
-      example: '500000.00'
-    },
-    totalChange: {
-      type: 'string',
-      description: 'Total change over period',
-      example: '50000.00'
-    },
-    totalChangePercentage: {
+    accessToken: {
       type: 'string',
-      description: 'Total change percentage',
-      example: '+11.11%'
+      description: 'Access token for anonymous login'
     }
   },
-  required: ['startValue', 'endValue', 'totalChange', 'totalChangePercentage']
+  required: ['accessToken']
 } as const;
 
-export const $MultiCurrencyPointDto = {
+export const $AnonymousLoginResponseDto = {
   type: 'object',
   properties: {
-    date: {
+    authToken: {
       type: 'string',
-      description: 'Date in YYYY-MM-DD format',
-      example: '2024-06-15'
-    },
-    byCurrency: {
-      description: 'Balances by currency',
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/CurrencyBalanceDto'
-      }
+      description: 'JWT auth token',
+      example: 'eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...'
     }
   },
-  required: ['date', 'byCurrency']
+  required: ['authToken']
 } as const;
 
-export const $PortfolioTrendsResponseDto = {
+export const $SymbolSearchResultDto = {
   type: 'object',
   properties: {
-    series: {
-      description: 'Time series data points',
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/TimeSeriesPointDto'
-      }
+    symbol: {
+      type: 'string',
+      example: 'AAPL'
     },
-    summary: {
-      description: 'Period summary',
-      allOf: [
-        {
-          $ref: '#/components/schemas/TrendSummaryDto'
-        }
-      ]
+    name: {
+      type: 'object',
+      example: 'Apple Inc.',
+      nullable: true
     },
-    period: {
-      type: 'string',
-      description: 'Period requested',
-      example: '6m'
+    exchange: {
+      type: 'object',
+      example: 'US',
+      nullable: true
     },
-    granularity: {
-      type: 'string',
-      description: 'Data granularity',
-      example: 'month'
+    assetType: {
+      type: 'object',
+      description: 'OpenBB asset_type (e.g. stock, etf)',
+      example: 'stock',
+      nullable: true
     },
-    currency: {
-      type: 'string',
-      description: 'Base currency for converted values',
-      example: 'CNY'
+    assetClass: {
+      type: 'object',
+      description: 'IGN asset class (region.types.ts ASSET_CLASSES)',
+      example: 'EQUITY',
+      nullable: true
     },
-    byCurrency: {
-      description:
-        'Multi-currency time series (each point has currency breakdown)',
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/MultiCurrencyPointDto'
-      }
+    assetSubClass: {
+      type: 'object',
+      description: 'IGN asset sub-class (region.types.ts ASSET_SUB_CLASSES)',
+      example: 'STOCK',
+      nullable: true
     },
-    warnings: {
-      description: 'Exchange rate warnings',
-      type: 'array',
-      items: {
-        $ref: '#/components/schemas/ExchangeRateWarningDto'
-      }
+    currency: {
+      type: 'object',
+      description: 'Trading currency (extra_data or inferred from exchange)',
+      example: 'USD',
+      nullable: true
     }
   },
-  required: ['series', 'summary', 'period', 'granularity', 'currency']
-} as const;
-
-export const $GenerateSnapshotBody = {
-  type: 'object',
-  properties: {}
-} as const;
-
-export const $GenerateSnapshotResponse = {
-  type: 'object',
-  properties: {}
-} as const;
-
-export const $BackfillSnapshotsBody = {
-  type: 'object',
-  properties: {}
-} as const;
-
-export const $BackfillSnapshotsResponse = {
-  type: 'object',
-  properties: {}
+  required: ['symbol']
 } as const;
 
-export const $AnonymousLoginDto = {
+export const $SymbolQuoteDto = {
   type: 'object',
   properties: {
-    accessToken: {
+    symbol: {
       type: 'string',
-      description: 'Access token for anonymous login'
+      example: 'AAPL'
+    },
+    name: {
+      type: 'object',
+      example: 'Apple Inc.',
+      nullable: true
+    },
+    exchange: {
+      type: 'object',
+      example: 'US',
+      nullable: true
+    },
+    assetType: {
+      type: 'object',
+      description: 'OpenBB asset_type',
+      example: 'stock',
+      nullable: true
+    },
+    assetClass: {
+      type: 'object',
+      description: 'IGN asset class',
+      example: 'EQUITY',
+      nullable: true
+    },
+    assetSubClass: {
+      type: 'object',
+      description: 'IGN asset sub-class',
+      example: 'STOCK',
+      nullable: true
+    },
+    currency: {
+      type: 'object',
+      description: 'Trading currency (extra_data or inferred from exchange)',
+      example: 'USD',
+      nullable: true
+    },
+    price: {
+      type: 'object',
+      description: 'Latest price (Decimal string)',
+      example: '189.84',
+      nullable: true
+    },
+    priceDate: {
+      type: 'object',
+      description: 'Date the price was observed (ISO yyyy-MM-dd)',
+      example: '2026-08-05',
+      nullable: true
+    },
+    changePercent: {
+      type: 'object',
+      description:
+        'Change vs previous close, in percentage points (1.7 == 1.7%). openbb stores change_percent as a normalized decimal; this exposes percentage points for frontend convenience.',
+      example: 1.7,
+      nullable: true
+    },
+    prevClose: {
+      type: 'object',
+      description: 'Previous close (Decimal string)',
+      nullable: true
+    },
+    open: {
+      type: 'object',
+      description: 'Day open (Decimal string)',
+      nullable: true
+    },
+    high: {
+      type: 'object',
+      description: 'Day high (Decimal string)',
+      nullable: true
+    },
+    low: {
+      type: 'object',
+      description: 'Day low (Decimal string)',
+      nullable: true
+    },
+    volume: {
+      type: 'object',
+      description: 'Day volume (Decimal string)',
+      nullable: true
+    },
+    yearHigh: {
+      type: 'object',
+      description: '52-week high (Decimal string)',
+      nullable: true
+    },
+    yearLow: {
+      type: 'object',
+      description: '52-week low (Decimal string)',
+      nullable: true
     }
-  },
-  required: ['accessToken']
+  }
 } as const;