@oriro/orirocli 0.1.11 → 0.1.12

package/skills/craft/godmode/references/data-gcp.md

@@ -1,1038 +1,1038 @@
-# Data & GCP Expert Reference — PostgreSQL, Prisma, Cloud SQL, Schedulers
-
-## Table of Contents
-
-1. [PostgreSQL 15/16 Expert Tier](#1-postgresql-1516-expert-tier)
-2. [Prisma ORM 5.x Deep Reference](#2-prisma-orm-5x-deep-reference)
-3. [Cloud SQL Configuration](#3-cloud-sql-configuration)
-4. [Connection Pooling & Management](#4-connection-pooling--management)
-5. [Zero-Downtime Migrations](#5-zero-downtime-migrations)
-6. [Data Modeling for Fintech](#6-data-modeling-for-fintech)
-7. [Cloud Scheduler — All 61 Jobs](#7-cloud-scheduler--all-61-jobs)
-8. [BigQuery & Analytics](#8-bigquery--analytics)
-9. [Backup, PITR & Disaster Recovery](#9-backup-pitr--disaster-recovery)
-10. [Performance & Monitoring](#10-performance--monitoring)
-11. [Row-Level Security & Multi-Tenancy](#11-row-level-security--multi-tenancy)
-12. [Pub/Sub & Event-Driven Architecture](#12-pubsub--event-driven-architecture)
-13. [GCP Secret Manager Operations](#13-gcp-secret-manager-operations)
-14. [<project> DB Schema Reference](#14-<project>-db-schema-reference)
-
----
-
-## 1. PostgreSQL 15/16 Expert Tier
-
-**PostgreSQL 15 highlights relevant to <project>:**
-
-- `MERGE` statement (upsert with conditions)
-- `row_pattern_recognition` — for fraud pattern detection in sequences
-- Improved JSON path queries
-- Logical replication improvements for Cloud SQL cross-region replicas
-
-**PostgreSQL 16 highlights:**
-
-- Parallel query improvements
-- `pg_stat_io` — detailed I/O statistics
-- Logical replication from standbys
-- `to_char()` improvements
-
-**Index types and when to use each:**
-| Type | Use case |
-|------|---------|
-| B-tree (default) | Equality, range, sorting — general purpose |
-| GIN | JSONB containment, array operators, full-text search |
-| GiST | Geometric data, full-text, exclusion constraints |
-| BRIN | Very large tables with naturally ordered data (time-series, logs) |
-| Hash | Equality only, faster than B-tree for large equals lookups |
-| Partial | Index only rows matching a WHERE clause (e.g., active records only) |
-
-**<project> critical indexes:**
-
-```sql
--- ACH challenges: frequent lookup by userId + status
-CREATE INDEX CONCURRENTLY idx_ach_challenge_user_status
-  ON "AchChallenge"("userId", "status", "createdAt" DESC);
-
--- UPI fraud checks: lookup by VPA + time window
-CREATE INDEX CONCURRENTLY idx_upi_fraud_vpa_created
-  ON "UpiFraudCheck"("vpa", "createdAt" DESC);
-
--- Unit accounts: lookup by userId
-CREATE INDEX CONCURRENTLY idx_unit_account_user
-  ON "UnitAccount"("userId") WHERE "active" = true;
-
--- Guardian devices: lookup by userId
-CREATE INDEX CONCURRENTLY idx_guardian_device_user
-  ON "GuardianDevice"("userId", "lastSeen" DESC);
-
--- Threat intelligence: full-text search on threat content
-CREATE INDEX CONCURRENTLY idx_threat_content_fts
-  ON "Threat" USING GIN(to_tsvector('english', "content"));
-```
-
-**EXPLAIN ANALYZE — reading query plans:**
-
-```sql
-EXPLAIN (ANALYZE, BUFFERS, FORMAT TEXT)
-SELECT * FROM "AchChallenge"
-WHERE "userId" = 'user_id' AND "status" = 'PENDING';
-```
-
-Key metrics:
-
-- `Seq Scan` → needs an index
-- `Index Scan` → good
-- `Bitmap Heap Scan` → good for range queries
-- `rows=X (actual X)` → large discrepancy = stale statistics → `ANALYZE tablename`
-
-**VACUUM and autovacuum:**
-Cloud SQL runs autovacuum by default. Monitor bloat:
-
-```sql
-SELECT relname, n_dead_tup, n_live_tup,
-  round(n_dead_tup::numeric/nullif(n_live_tup,0)*100, 2) as dead_pct
-FROM pg_stat_user_tables
-ORDER BY n_dead_tup DESC;
-```
-
-If dead_pct > 10% on hot tables: `VACUUM ANALYZE tablename;`
-
-**JSONB operations for <project> threat data:**
-
-```sql
--- Query JSONB field
-SELECT * FROM "ThreatFeed" WHERE "metadata"->>'severity' = 'HIGH';
-
--- Update JSONB field
-UPDATE "ThreatFeed"
-SET "metadata" = "metadata" || '{"reviewed": true}'::jsonb
-WHERE id = 'feed_id';
-
--- JSONB array contains
-SELECT * FROM "ThreatFeed" WHERE "tags" @> '["ransomware"]'::jsonb;
-
--- Index for JSONB containment
-CREATE INDEX CONCURRENTLY idx_threat_metadata_gin
-  ON "ThreatFeed" USING GIN("metadata");
-```
-
----
-
-## 2. Prisma ORM 5.x Deep Reference
-
-**Prisma 5 key features:**
-
-- Faster query engine (Rust-based)
-- `prismaSchemaFolder` for multi-file schemas
-- `jsonProtocol` for edge/Cloudflare Workers
-- `relationJoins` preview feature for JOIN-based queries (vs N+1)
-- Typed SQL (`prisma/sql/` directory for raw SQL with types)
-
-**Schema best practices:**
-
-```prisma
-// schema.prisma
-generator client {
-  provider        = "prisma-client-js"
-  previewFeatures = ["relationJoins", "typedSql"]
-}
-
-datasource db {
-  provider  = "postgresql"
-  url       = env("DATABASE_URL")
-  directUrl = env("DIRECT_URL") // for migrations (bypasses pgBouncer)
-}
-
-// Audit trail mixin pattern
-model AchChallenge {
-  id          String   @id @default(cuid())
-  userId      String
-  status      ChallengeStatus @default(PENDING)
-  options     String[] // ["3", "7", "9"]
-  correctOption String
-  attempts    Int      @default(0)
-  expiresAt   DateTime
-  resolvedAt  DateTime?
-  webhookSent Boolean  @default(false)
-  createdAt   DateTime @default(now())
-  updatedAt   DateTime @updatedAt
-
-  user        User     @relation(fields: [userId], references: [id])
-
-  @@index([userId, status])
-  @@index([expiresAt]) // for cleanup scheduler
-}
-
-enum ChallengeStatus {
-  PENDING
-  APPROVED
-  DECLINED
-  EXPIRED
-  LOCKED
-}
-```
-
-**Transaction patterns:**
-
-```typescript
-// Interactive transaction (multiple operations, rollback on error)
-const result = await prisma.$transaction(
-  async (tx) => {
-    const challenge = await tx.achChallenge.update({
-      where: { id: challengeId },
-      data: { status: "APPROVED", resolvedAt: new Date() },
-    });
-
-    await tx.achAuditLog.create({
-      data: { challengeId, action: "APPROVED", userId },
-    });
-
-    return challenge;
-  },
-  {
-    timeout: 10000, // 10 second timeout
-    isolationLevel: Prisma.TransactionIsolationLevel.ReadCommitted,
-  },
-);
-```
-
-**Batch operations (better performance):**
-
-```typescript
-// createMany — single INSERT with multiple rows
-await prisma.threatFeed.createMany({
-  data: threats,
-  skipDuplicates: true,
-});
-
-// updateMany — single UPDATE
-await prisma.achChallenge.updateMany({
-  where: { status: "PENDING", expiresAt: { lt: new Date() } },
-  data: { status: "EXPIRED" },
-});
-
-// deleteMany with limit (safer for large deletes)
-await prisma.$executeRaw`
-  DELETE FROM "AchChallenge" 
-  WHERE id IN (
-    SELECT id FROM "AchChallenge" 
-    WHERE "createdAt" < NOW() - INTERVAL '90 days'
-    LIMIT 1000
-  )
-`;
-```
-
-**Pagination (cursor-based for large datasets):**
-
-```typescript
-// First page
-const firstPage = await prisma.achChallenge.findMany({
-  take: 20,
-  orderBy: { createdAt: "desc" },
-});
-
-// Next page (cursor pagination — no offset drift)
-const nextPage = await prisma.achChallenge.findMany({
-  take: 20,
-  skip: 1, // skip the cursor itself
-  cursor: { id: lastId },
-  orderBy: { createdAt: "desc" },
-});
-```
-
-**Raw SQL with type safety (Prisma 5 typedSql):**
-
-```sql
--- prisma/sql/getActiveChallenges.sql
-SELECT ac.*, u.email FROM "AchChallenge" ac
-JOIN "User" u ON ac."userId" = u.id
-WHERE ac.status = $1 AND ac."expiresAt" > NOW()
-ORDER BY ac."createdAt" DESC
-LIMIT $2;
-```
-
-```typescript
-import { getActiveChallenges } from "@prisma/client/sql";
-const challenges = await prisma.$queryRawTyped(getActiveChallenges("PENDING", 50));
-```
-
-**Connection management in Cloud Run:**
-
-```typescript
-// Singleton pattern — critical for Cloud Run (multiple instances)
-import { PrismaClient } from "@prisma/client";
-
-const globalForPrisma = globalThis as unknown as { prisma: PrismaClient };
-export const prisma =
-  globalForPrisma.prisma ??
-  new PrismaClient({
-    log: process.env.NODE_ENV === "development" ? ["query", "error", "warn"] : ["error"],
-    datasources: {
-      db: {
-        url: process.env.DATABASE_URL,
-      },
-    },
-  });
-if (process.env.NODE_ENV !== "production") globalForPrisma.prisma = prisma;
-```
-
-**Prisma migration commands:**
-
-```bash
-# Create migration (development)
-npx prisma migrate dev --name add_unit_account
-
-# Apply migrations (production — use in Cloud Build/deployment)
-npx prisma migrate deploy
-
-# Reset DB (development only — destroys all data)
-npx prisma migrate reset
-
-# Check migration status
-npx prisma migrate status
-
-# Generate Prisma client after schema change
-npx prisma generate
-
-# Introspect existing DB (for legacy schemas)
-npx prisma db pull
-
-# Push schema without migration (for rapid prototyping)
-npx prisma db push
-```
-
-**Never run `prisma migrate dev` in production.** Always use `prisma migrate deploy`.
-
----
-
-## 3. Cloud SQL Configuration
-
-**<project> Cloud SQL:**
-
-- Instance: Cloud SQL PostgreSQL 15 (check Console for exact version)
-- Primary: us-central1
-- Read replicas: us-east1, asia-south1
-- GCP project: <gcp-project>
-
-**Connection string format:**
-
-```
-postgresql://USER:PASSWORD@HOST:5432/DATABASE?sslmode=require
-```
-
-**Cloud SQL with Cloud Run — authentication options:**
-
-**Option 1: Cloud SQL Auth Proxy (recommended for production):**
-
-- Uses IAM authentication, no password needed
-- Socket-based connection: `/cloudsql/PROJECT:REGION:INSTANCE`
-- URL format: `postgresql://user@localhost/db?host=/cloudsql/PROJECT:REGION:INSTANCE`
-
-**Option 2: Private IP (Cloud Run VPC Connector):**
-
-- Cloud Run → VPC Connector → Cloud SQL private IP
-- Requires VPC connector setup (additional cost)
-
-**Option 3: SSL with public IP (current <project> setup):**
-
-- `?sslmode=require` in DATABASE_URL
-- Cloud SQL uses SSL certificates for secure connections
-- IP is whitelisted or Cloud SQL Auth Proxy handles auth
-
-**Instance settings to check/optimize:**
-
-- Max connections: default varies by tier (db-standard-1 = 100, db-standard-2 = 200)
-- Recommended max connections = (RAM in GB × 100) - 10 reserved
-- Storage auto-increase: ON (prevents instance going read-only when disk fills)
-- Maintenance window: choose low-traffic time (e.g., Sunday 3am UTC)
-- High availability: enable for production (standby in same region, failover ~30s)
-
-**Viewing current connections:**
-
-```sql
-SELECT count(*), state, wait_event_type, wait_event
-FROM pg_stat_activity
-GROUP BY state, wait_event_type, wait_event
-ORDER BY count DESC;
-```
-
-**Connection limits by Cloud SQL tier:**
-| Tier | vCPUs | RAM | Max connections |
-|------|-------|-----|-----------------|
-| db-f1-micro | shared | 0.6GB | 25 |
-| db-g1-small | shared | 1.7GB | 100 |
-| db-standard-1 | 1 | 3.75GB | 100 |
-| db-standard-2 | 2 | 7.5GB | 200 |
-| db-standard-4 | 4 | 15GB | 400 |
-
----
-
-## 4. Connection Pooling & Management
-
-**Problem with Cloud Run + Prisma:**
-Each Cloud Run instance creates a Prisma client with connection pool.
-Cloud Run can spin up many instances → can exhaust PostgreSQL max connections.
-
-**Solution 1: PgBouncer (recommended for production at scale):**
-Deploy PgBouncer as a Cloud Run sidecar or separate service.
-
-- Transaction pooling: most efficient for API servers
-- One PgBouncer handles 1000s of app connections → 10-50 DB connections
-
-**Solution 2: Prisma Data Proxy / Accelerate (managed):**
-Prisma's managed connection pooler.
-
-```typescript
-// Install: npm install @prisma/extension-accelerate
-import { withAccelerate } from "@prisma/extension-accelerate";
-const prisma = new PrismaClient().$extends(withAccelerate());
-```
-
-**Solution 3: Reduce Prisma pool size (immediate fix for <project>):**
-
-```
-DATABASE_URL="postgresql://...?connection_limit=5&pool_timeout=20"
-```
-
-- `connection_limit`: max connections per Prisma instance
-- `pool_timeout`: seconds to wait for connection before error
-- With 10 Cloud Run instances × 5 connections = 50 total connections (safe)
-
-**Cloud Run recommended settings:**
-
-```
-Max instances: 10 (prevents connection exhaustion)
-Min instances: 1 (keeps one warm for fast response)
-Concurrency: 80 (requests per instance)
-connection_limit in DATABASE_URL: 5
-```
-
-**Detecting connection exhaustion:**
-
-```sql
-SELECT count(*) FROM pg_stat_activity;
--- If close to max_connections: connection pool is exhausted
--- Check: SHOW max_connections;
-```
-
-**PgBouncer configuration (transaction mode):**
-
-```ini
-[databases]
-<project> = host=CLOUD_SQL_HOST port=5432 dbname=<project>
-
-[pgbouncer]
-pool_mode = transaction
-max_client_conn = 1000
-default_pool_size = 20
-server_idle_timeout = 600
-```
-
----
-
-## 5. Zero-Downtime Migrations
-
-**Expand-Contract pattern (for columns that need type changes or renames):**
-
-**Phase 1 — Expand (add new, keep old):**
-
-```sql
-ALTER TABLE "User" ADD COLUMN "phoneNumberNew" TEXT;
-```
-
-**Phase 2 — Migrate data (backfill):**
-
-```sql
-UPDATE "User" SET "phoneNumberNew" = "phoneNumber"
-WHERE "phoneNumberNew" IS NULL AND "phoneNumber" IS NOT NULL;
--- Do in batches to avoid lock:
--- UPDATE "User" SET "phoneNumberNew" = "phoneNumber"
--- WHERE id IN (SELECT id FROM "User" WHERE "phoneNumberNew" IS NULL LIMIT 1000)
-```
-
-**Phase 3 — Deploy code using new column:**
-Application reads both columns, writes to both.
-
-**Phase 4 — Contract (drop old column):**
-
-```sql
-ALTER TABLE "User" DROP COLUMN "phoneNumber";
-```
-
-**Safe migration operations (no table lock):**
-
-- `ADD COLUMN` (without default) ✅
-- `ADD COLUMN ... DEFAULT NULL` ✅
-- `ADD INDEX CONCURRENTLY` ✅
-- `DROP INDEX CONCURRENTLY` ✅
-- `CREATE TABLE` ✅
-- `DROP TABLE` ✅
-- Rename with multiple deployments ✅
-
-**Dangerous migration operations (cause table lock):**
-
-- `ADD COLUMN ... DEFAULT non-null` on large table ⚠️ (rewrites table)
-- `ALTER COLUMN TYPE` on existing data ⚠️
-- `ADD CONSTRAINT` without `NOT VALID` ⚠️
-- `DROP COLUMN` (but usually fast) ⚠️
-
-**Adding NOT NULL column safely:**
-
-```sql
--- Step 1: Add nullable
-ALTER TABLE "AchChallenge" ADD COLUMN "bankCode" TEXT;
--- Step 2: Backfill
-UPDATE "AchChallenge" SET "bankCode" = 'UNKNOWN' WHERE "bankCode" IS NULL;
--- Step 3: Add constraint (use NOT VALID to skip scan)
-ALTER TABLE "AchChallenge" ALTER COLUMN "bankCode" SET NOT NULL;
-```
-
-**Prisma migration for zero-downtime:**
-Create the migration SQL manually to use CONCURRENTLY:
-
-```bash
-npx prisma migrate dev --create-only --name add_bank_code
-# Edit the generated SQL to add CONCURRENTLY
-npx prisma migrate deploy
-```
-
----
-
-## 6. Data Modeling for Fintech
-
-**Core entities for <project>:**
-
-**Users and accounts:**
-
-```prisma
-model User {
-  id             String    @id @default(cuid())
-  email          String    @unique
-  emailVerified  DateTime?
-  phone          String?
-  region         String    @default("US") // "US" | "IN"
-  kycStatus      KycStatus @default(PENDING)
-  lockoutUntil   DateTime?
-  failedAttempts Int       @default(0)
-  createdAt      DateTime  @default(now())
-  updatedAt      DateTime  @updatedAt
-
-  achChallenges  AchChallenge[]
-  unitAccount    UnitAccount?
-  upiAccounts    UpiLinkedAccount[]
-  guardianDevices GuardianDevice[]
-
-  @@index([email])
-  @@index([phone])
-}
-```
-
-**Immutable audit trail (append-only, never update):**
-
-```prisma
-model TransactionAuditLog {
-  id          String   @id @default(cuid())
-  userId      String
-  eventType   String   // "ACH_APPROVED" | "UPI_BLOCKED" | "GUARDIAN_ALERT"
-  entityId    String   // challengeId, transactionId
-  entityType  String   // "AchChallenge" | "UpiTransaction"
-  metadata    Json     // full snapshot of event data
-  ipAddress   String?
-  userAgent   String?
-  createdAt   DateTime @default(now())
-
-  @@index([userId, createdAt])
-  @@index([entityId])
-  // NO updatedAt — this table is append-only
-}
-```
-
-**Soft deletes (never hard-delete financial records):**
-
-```prisma
-model UnitAccount {
-  id              String    @id @default(cuid())
-  userId          String    @unique
-  unitCustomerId  String    @unique
-  unitAccountId   String    @unique
-  routingNumber   String
-  accountNumber   String    // encrypted at rest
-  nickname        String?
-  status          String    @default("ACTIVE")
-  active          Boolean   @default(true)
-  deletedAt       DateTime? // soft delete
-  createdAt       DateTime  @default(now())
-  updatedAt       DateTime  @updatedAt
-}
-```
-
-**Idempotency keys (prevent duplicate transactions):**
-
-```prisma
-model IdempotencyKey {
-  id           String   @id @default(cuid())
-  key          String   @unique // UUID from client
-  operation    String   // "ACH_CHALLENGE" | "UPI_PAYMENT"
-  response     Json?    // cached response
-  createdAt    DateTime @default(now())
-  expiresAt    DateTime // TTL: 24 hours
-
-  @@index([key])
-  @@index([expiresAt]) // for cleanup
-}
-```
-
-**Fraud signal modeling:**
-
-```prisma
-model FraudSignal {
-  id          String   @id @default(cuid())
-  userId      String?  // null for anonymous signals
-  signalType  String   // "VELOCITY", "AMOUNT_SPIKE", "GEO_ANOMALY"
-  score       Float    // 0.0-1.0 fraud probability
-  features    Json     // model input features
-  decision    String   // "ALLOW" | "CHALLENGE" | "BLOCK"
-  entityId    String   // transaction/challenge this triggered on
-  createdAt   DateTime @default(now())
-
-  @@index([userId, createdAt])
-  @@index([signalType, score])
-}
-```
-
----
-
-## 7. Cloud Scheduler — All 61 Jobs
-
-**<project> scheduler architecture:**
-All 61 jobs hit Cloud Run endpoints secured by `CRON_SECRET` header.
-Pattern: `Authorization: Bearer ${CRON_SECRET}` or `X-Cron-Secret: ${CRON_SECRET}`
-
-**Critical scheduler jobs and their timing:**
-| Job | Schedule | Description |
-|-----|----------|-------------|
-| feed-fetch | `*/9 * * * *` | Fetch threat intelligence feeds |
-| offline-settlement | `*/5 * * * *` | Process pending offline UPI settlements |
-| offline-settlement-india | `*/5 * * * *` (IST) | India UPI settlement (IST timezone) |
-| uptime-monitor | `*/5 * * * *` | Health check all 3 regions |
-| shield-evolution-agent | `0 * * * *` | Hourly AI threat model update |
-| news-crawler | `*/30 * * * *` | Financial security news crawl |
-| github-crawler | `0 * * * *` | GitHub security advisory crawl |
-| regulatory-crawler | `*/6 * * * *` | Regulatory update check |
-| daily-digest | `0 6 * * *` | Daily threat digest email (6am UTC) |
-| backup-verify | `0 */6 * * *` | Verify DB backup integrity |
-| sitemap-submit | `0 9 * * 1` | Weekly GSC sitemap submission |
-| feed-discovery | `0 3 * * 0` | Weekly new feed source discovery |
-| ach-challenge-expiry | `*/1 * * * *` | Expire stale ACH challenges (60s TTL) |
-
-**ACH challenge expiry job (new — needed for ACH Shield):**
-
-```typescript
-// POST /api/cron/expire-ach-challenges
-export async function POST(request: Request) {
-  const secret = request.headers.get("x-cron-secret");
-  if (secret !== process.env.CRON_SECRET) return new Response("Unauthorized", { status: 401 });
-
-  const expired = await prisma.achChallenge.updateMany({
-    where: {
-      status: "PENDING",
-      expiresAt: { lt: new Date() },
-    },
-    data: { status: "EXPIRED" },
-  });
-
-  return Response.json({ expired: expired.count });
-}
-```
-
-**Cloud Scheduler job configuration:**
-
-```bash
-gcloud scheduler jobs create http expire-ach-challenges \
-  --location=us-central1 \
-  --schedule="* * * * *" \
-  --uri="https://<project>.com/api/cron/expire-ach-challenges" \
-  --http-method=POST \
-  --headers="X-Cron-Secret=${CRON_SECRET}" \
-  --time-zone="UTC" \
-  --attempt-deadline="30s" \
-  --min-backoff=5s \
-  --max-backoff=60s \
-  --max-retry-attempts=3
-```
-
-**IST timezone for India jobs:**
-`--time-zone="Asia/Kolkata"` — UTC+5:30
-
-**Scheduler retry config:**
-
-- `max-retry-attempts`: 3 for critical jobs, 0 for idempotent crawlers
-- `attempt-deadline`: set based on expected job duration + buffer
-- Monitor failures: Cloud Console → Cloud Scheduler → job → View logs
-
----
-
-## 8. BigQuery & Analytics
-
-**When to use BigQuery vs Cloud SQL:**
-
-- Cloud SQL: operational data, transactions, real-time queries
-- BigQuery: analytics, aggregations, historical reporting, ML
-
-**Streaming inserts from Cloud Run:**
-
-```typescript
-import { BigQuery } from "@google-cloud/bigquery";
-const bq = new BigQuery({ projectId: "<gcp-project>" });
-
-// Stream fraud signals to BigQuery for analytics
-await bq
-  .dataset("<project>_analytics")
-  .table("fraud_signals")
-  .insert([
-    {
-      userId: signal.userId,
-      signalType: signal.signalType,
-      score: signal.score,
-      createdAt: signal.createdAt.toISOString(),
-      // BigQuery timestamp format: YYYY-MM-DDTHH:MM:SS.fffZ
-    },
-  ]);
-```
-
-**BigQuery tables for <project>:**
-
-```sql
--- Fraud signals table
-CREATE TABLE `<project>_analytics.fraud_signals`
-PARTITION BY DATE(created_at)
-OPTIONS (partition_expiration_days = 365)
-AS SELECT ... ;
-
--- Daily aggregates (for dashboard)
-CREATE TABLE `<project>_analytics.daily_metrics`
-PARTITION BY report_date
-AS SELECT
-  DATE(created_at) as report_date,
-  COUNT(*) as total_challenges,
-  COUNTIF(status = 'APPROVED') as approved,
-  COUNTIF(status = 'DECLINED') as declined,
-  COUNTIF(status = 'EXPIRED') as expired,
-  AVG(CASE WHEN resolved_at IS NOT NULL
-    THEN TIMESTAMP_DIFF(resolved_at, created_at, SECOND) END) as avg_resolution_seconds
-FROM `<project>_analytics.ach_challenges`
-GROUP BY 1;
-```
-
-**Cost optimization:**
-
-- Partition all tables by date (partition pruning = pay only for queried partitions)
-- Cluster frequently filtered columns: `CLUSTER BY userId, signalType`
-- Use approximate aggregation: `APPROX_COUNT_DISTINCT()` vs `COUNT(DISTINCT)`
-- Preview query cost before running: check "This query will process X GB"
-
----
-
-## 9. Backup, PITR & Disaster Recovery
-
-**Cloud SQL automated backups:**
-
-- Enabled by default on Cloud SQL
-- Retention: 7 days (default) — increase to 30 days for production
-- Takes ~30 minutes, no performance impact
-- Stored in the same region as the instance
-
-**Point-in-Time Recovery (PITR):**
-
-- Allows restore to any second within the backup window
-- Requires binary logging enabled (on by default in Cloud SQL)
-- Use case: accidental `DELETE` or data corruption
-- Recovery time: 30-60 minutes for a 10GB database
-
-**Enabling extended backup retention:**
-
-```bash
-gcloud sql instances patch INSTANCE_NAME \
-  --backup-retention-count=30 \
-  --enable-bin-log \
-  --retained-backups-count=30
-```
-
-**Manual backup before risky migrations:**
-
-```bash
-gcloud sql backups create \
-  --instance=INSTANCE_NAME \
-  --description="Pre-migration backup $(date +%Y-%m-%d)"
-```
-
-**Cross-region backup (for additional safety):**
-Enable in Cloud SQL instance settings → Backups → Enable cross-region backups
-Copies backups to another region automatically.
-
-**Restore procedure:**
-
-```bash
-# List available backups
-gcloud sql backups list --instance=INSTANCE_NAME
-
-# Restore to a new instance (never restore to production directly)
-gcloud sql instances create RESTORED_INSTANCE \
-  --source-instance=INSTANCE_NAME \
-  --backup-run-id=BACKUP_ID \
-  --region=us-central1
-
-# After verification, use Cloud SQL proxy to query restored instance
-```
-
-**Recovery time objectives for <project>:**
-
-- RTO (Recovery Time Objective): < 1 hour
-- RPO (Recovery Point Objective): < 5 minutes (PITR to last checkpoint)
-- HA (High Availability): 99.95% SLA with Cloud SQL HA enabled
-
----
-
-## 10. Performance & Monitoring
-
-**Key metrics to monitor (Cloud SQL Insights):**
-
-- Query latency: P50, P95, P99
-- Active connections
-- CPU utilization: alert at 70%
-- Memory usage: alert at 85%
-- Disk utilization: alert at 80%
-- Replication lag (for replicas): alert at > 30 seconds
-
-**pg_stat_statements (slow query analysis):**
-
-```sql
--- Top 10 slowest queries
-SELECT
-  round(total_exec_time::numeric, 2) as total_ms,
-  round(mean_exec_time::numeric, 2) as mean_ms,
-  calls,
-  round((total_exec_time / sum(total_exec_time) OVER ()) * 100, 2) as pct,
-  query
-FROM pg_stat_statements
-ORDER BY total_exec_time DESC
-LIMIT 10;
-```
-
-**Cloud SQL Query Insights:**
-
-- Cloud Console → Cloud SQL → instance → Query insights
-- Shows top queries by CPU, latency, count
-- Execution plan visualization
-- No setup needed — enabled by default
-
-**Connection pool monitoring:**
-
-```sql
--- Current connections by state
-SELECT state, count(*)
-FROM pg_stat_activity
-GROUP BY state;
-
--- Long-running queries (> 5 minutes)
-SELECT pid, now() - pg_stat_activity.query_start AS duration, query, state
-FROM pg_stat_activity
-WHERE (now() - pg_stat_activity.query_start) > interval '5 minutes';
-```
-
-**Killing a blocking query:**
-
-```sql
-SELECT pg_cancel_backend(pid); -- graceful cancel
-SELECT pg_terminate_backend(pid); -- force terminate
-```
-
-**Cloud Monitoring alerting policies:**
-
-```bash
-# Create alert for high CPU
-gcloud monitoring policies create \
-  --notification-channels=CHANNEL_ID \
-  --display-name="Cloud SQL CPU > 70%" \
-  --condition-threshold-filter='resource.type="cloudsql_database"' \
-  --condition-threshold-value=0.7 \
-  --condition-threshold-comparison=COMPARISON_GT
-```
-
----
-
-## 11. Row-Level Security & Multi-Tenancy
-
-**RLS for <project> (isolate user data):**
-
-```sql
--- Enable RLS on sensitive tables
-ALTER TABLE "AchChallenge" ENABLE ROW LEVEL SECURITY;
-
--- Policy: users can only see their own challenges
-CREATE POLICY user_isolation ON "AchChallenge"
-  FOR ALL
-  USING (current_setting('app.current_user_id') = "userId");
-
--- Set user context at query time (via Prisma middleware)
-SET LOCAL app.current_user_id = 'user_id_here';
-```
-
-**Prisma middleware to set user context:**
-
-```typescript
-prisma.$use(async (params, next) => {
-  if (currentUserId) {
-    await prisma.$executeRaw`SET LOCAL app.current_user_id = ${currentUserId}`;
-  }
-  return next(params);
-});
-```
-
-**Note:** RLS adds overhead. For <project>'s current scale, application-level isolation
-(WHERE userId = currentUser.id) is sufficient. Use RLS as defense-in-depth for highly sensitive tables.
-
----
-
-## 12. Pub/Sub & Event-Driven Architecture
-
-**When to use Pub/Sub vs direct DB writes:**
-
-- High-volume events: fraud signals, threat feeds, audit logs → Pub/Sub
-- Real-time webhooks that might fail: ACH notifications → Pub/Sub with retry
-- Cross-service communication: feed-fetch → feed-processor
-
-**<project> Pub/Sub topics:**
-
-```bash
-# Create topics
-gcloud pubsub topics create threat-feeds-ingestion
-gcloud pubsub topics create ach-webhook-delivery
-gcloud pubsub topics create fraud-signals
-
-# Create subscriptions with retry
-gcloud pubsub subscriptions create ach-webhook-processor \
-  --topic=ach-webhook-delivery \
-  --ack-deadline=60 \
-  --min-retry-delay=10s \
-  --max-retry-delay=600s \
-  --dead-letter-topic=ach-webhook-dlq \
-  --max-delivery-attempts=5
-```
-
-**Publishing from Next.js:**
-
-```typescript
-import { PubSub } from "@google-cloud/pubsub";
-const pubsub = new PubSub({ projectId: "<gcp-project>" });
-
-await pubsub.topic("ach-webhook-delivery").publish(
-  Buffer.from(
-    JSON.stringify({
-      challengeId,
-      bankWebhookUrl,
-      decision: "APPROVED",
-      timestamp: new Date().toISOString(),
-    }),
-  ),
-);
-```
-
----
-
-## 13. GCP Secret Manager Operations
-
-**All <project> secrets:**
-DATABASE_URL, NEXTAUTH_SECRET, RESEND_API_KEY, STRIPE_SECRET_KEY, STRIPE_WEBHOOK_SECRET, CRON_SECRET, TELEGRAM_BOT_TOKEN, TELEGRAM_CHANNEL_ID, NVD_API_KEY, SHIELD_SIGNING_KEY, TG_MASTER_KEY, ADMIN_EMAIL, FIREBASE_SERVICE_ACCOUNT_KEY, BANK_WEBHOOK_SECRET, UNIT_API_KEY, UNIT_WEBHOOK_SECRET, UNIT_DEPOSIT_PRODUCT_ID
-
-**Common operations:**
-
-```bash
-# Read a secret
-gcloud secrets versions access latest --secret=SECRET_NAME --project=<gcp-project>
-
-# Update a secret (creates new version)
-echo -n "new_value" | gcloud secrets versions add SECRET_NAME --data-file=-
-
-# List versions
-gcloud secrets versions list SECRET_NAME
-
-# Deploy new secret version to all Cloud Run regions
-# (Cloud Run reads latest version on cold start — use revision deploy to force refresh)
-gcloud run deploy <project> \
-  --image LATEST_IMAGE \
-  --region us-central1 \
-  --update-secrets SECRET_NAME=SECRET_NAME:latest
-```
-
-**Adding a new secret:**
-
-```bash
-gcloud secrets create NEW_SECRET_NAME \
-  --project=<gcp-project> \
-  --replication-policy="automatic"
-
-echo -n "secret_value" | gcloud secrets versions add NEW_SECRET_NAME --data-file=-
-
-# Grant Cloud Run service account access
-gcloud secrets add-iam-policy-binding NEW_SECRET_NAME \
-  --member="serviceAccount:<email>" \
-  --role="roles/secretmanager.secretAccessor"
-```
-
-**Secret rotation pattern:**
-
-1. Add new version: `gcloud secrets versions add`
-2. Deploy new Cloud Run revision (picks up new version)
-3. Verify new version works
-4. Disable old version: `gcloud secrets versions disable VERSION_ID --secret=SECRET_NAME`
-
----
-
-## 14. <project> DB Schema Reference
-
-**Current DB tables (55+):**
-
-**Core auth/user:** User, Account, Session, VerificationToken (NextAuth)
-
-**ACH Shield:**
-
-- AchChallenge (id, userId, status, options[], correctOption, attempts, expiresAt, resolvedAt, webhookSent)
-- UnitAccount (id, userId, unitCustomerId, unitAccountId, routingNumber, accountNumber, nickname, status, active)
-
-**UPI Shield:**
-
-- UpiLinkedAccount (id, userId, vpa, bankName, active, deletedAt)
-- UpiFraudCheck (id, userId, vpa, amount, decision, score, blockedReason)
-- UpiTransaction (id, userId, vpa, amount, status, offlineToken, settledAt)
-
-**Guardian:**
-
-- GuardianDevice (id, userId, platform, hostname, agentVersion, lastSeen, status)
-- GuardianHeartbeat (id, deviceId, threats[], metrics{})
-- GuardianAlert (id, deviceId, alertType, severity, detail, acknowledgedAt)
-
-**SENTINEL:**
-
-- ThreatFeed (id, feedId, title, content, severity, tags[], metadata{}, publishedAt)
-- FeedRegistry (id, name, url, type, active, lastFetchAt, errorCount)
-- FraudSignal (id, userId, signalType, score, features{}, decision, entityId)
-
-**Offline UPI:**
-
-- OfflineToken (id, userId, amount, vpa, encryptedPayload, expiresAt, used)
-- MeshSettlement (id, tokenId, transportType, settledAt, npciRef)
-
-**Schema migration for new tables (April 15, 2026 migration):**
-
-- UnitAccount: created ✅
-- GuardianDevice: confirmed ✅
-- UpiLinkedAccount additions: ✅
-- UpiFraudCheck field additions: ✅
-
-**Checking migration status:**
-
-```bash
-npx prisma migrate status
-# or
-gcloud sql databases list --instance=INSTANCE_NAME
-```
+# Data & GCP Expert Reference — PostgreSQL, Prisma, Cloud SQL, Schedulers
+
+## Table of Contents
+
+1. [PostgreSQL 15/16 Expert Tier](#1-postgresql-1516-expert-tier)
+2. [Prisma ORM 5.x Deep Reference](#2-prisma-orm-5x-deep-reference)
+3. [Cloud SQL Configuration](#3-cloud-sql-configuration)
+4. [Connection Pooling & Management](#4-connection-pooling--management)
+5. [Zero-Downtime Migrations](#5-zero-downtime-migrations)
+6. [Data Modeling for Fintech](#6-data-modeling-for-fintech)
+7. [Cloud Scheduler — All 61 Jobs](#7-cloud-scheduler--all-61-jobs)
+8. [BigQuery & Analytics](#8-bigquery--analytics)
+9. [Backup, PITR & Disaster Recovery](#9-backup-pitr--disaster-recovery)
+10. [Performance & Monitoring](#10-performance--monitoring)
+11. [Row-Level Security & Multi-Tenancy](#11-row-level-security--multi-tenancy)
+12. [Pub/Sub & Event-Driven Architecture](#12-pubsub--event-driven-architecture)
+13. [GCP Secret Manager Operations](#13-gcp-secret-manager-operations)
+14. [<project> DB Schema Reference](#14-<project>-db-schema-reference)
+
+---
+
+## 1. PostgreSQL 15/16 Expert Tier
+
+**PostgreSQL 15 highlights relevant to <project>:**
+
+- `MERGE` statement (upsert with conditions)
+- `row_pattern_recognition` — for fraud pattern detection in sequences
+- Improved JSON path queries
+- Logical replication improvements for Cloud SQL cross-region replicas
+
+**PostgreSQL 16 highlights:**
+
+- Parallel query improvements
+- `pg_stat_io` — detailed I/O statistics
+- Logical replication from standbys
+- `to_char()` improvements
+
+**Index types and when to use each:**
+| Type | Use case |
+|------|---------|
+| B-tree (default) | Equality, range, sorting — general purpose |
+| GIN | JSONB containment, array operators, full-text search |
+| GiST | Geometric data, full-text, exclusion constraints |
+| BRIN | Very large tables with naturally ordered data (time-series, logs) |
+| Hash | Equality only, faster than B-tree for large equals lookups |
+| Partial | Index only rows matching a WHERE clause (e.g., active records only) |
+
+**<project> critical indexes:**
+
+```sql
+-- ACH challenges: frequent lookup by userId + status
+CREATE INDEX CONCURRENTLY idx_ach_challenge_user_status
+  ON "AchChallenge"("userId", "status", "createdAt" DESC);
+
+-- UPI fraud checks: lookup by VPA + time window
+CREATE INDEX CONCURRENTLY idx_upi_fraud_vpa_created
+  ON "UpiFraudCheck"("vpa", "createdAt" DESC);
+
+-- Unit accounts: lookup by userId
+CREATE INDEX CONCURRENTLY idx_unit_account_user
+  ON "UnitAccount"("userId") WHERE "active" = true;
+
+-- Guardian devices: lookup by userId
+CREATE INDEX CONCURRENTLY idx_guardian_device_user
+  ON "GuardianDevice"("userId", "lastSeen" DESC);
+
+-- Threat intelligence: full-text search on threat content
+CREATE INDEX CONCURRENTLY idx_threat_content_fts
+  ON "Threat" USING GIN(to_tsvector('english', "content"));
+```
+
+**EXPLAIN ANALYZE — reading query plans:**
+
+```sql
+EXPLAIN (ANALYZE, BUFFERS, FORMAT TEXT)
+SELECT * FROM "AchChallenge"
+WHERE "userId" = 'user_id' AND "status" = 'PENDING';
+```
+
+Key metrics:
+
+- `Seq Scan` → needs an index
+- `Index Scan` → good
+- `Bitmap Heap Scan` → good for range queries
+- `rows=X (actual X)` → large discrepancy = stale statistics → `ANALYZE tablename`
+
+**VACUUM and autovacuum:**
+Cloud SQL runs autovacuum by default. Monitor bloat:
+
+```sql
+SELECT relname, n_dead_tup, n_live_tup,
+  round(n_dead_tup::numeric/nullif(n_live_tup,0)*100, 2) as dead_pct
+FROM pg_stat_user_tables
+ORDER BY n_dead_tup DESC;
+```
+
+If dead_pct > 10% on hot tables: `VACUUM ANALYZE tablename;`
+
+**JSONB operations for <project> threat data:**
+
+```sql
+-- Query JSONB field
+SELECT * FROM "ThreatFeed" WHERE "metadata"->>'severity' = 'HIGH';
+
+-- Update JSONB field
+UPDATE "ThreatFeed"
+SET "metadata" = "metadata" || '{"reviewed": true}'::jsonb
+WHERE id = 'feed_id';
+
+-- JSONB array contains
+SELECT * FROM "ThreatFeed" WHERE "tags" @> '["ransomware"]'::jsonb;
+
+-- Index for JSONB containment
+CREATE INDEX CONCURRENTLY idx_threat_metadata_gin
+  ON "ThreatFeed" USING GIN("metadata");
+```
+
+---
+
+## 2. Prisma ORM 5.x Deep Reference
+
+**Prisma 5 key features:**
+
+- Faster query engine (Rust-based)
+- `prismaSchemaFolder` for multi-file schemas
+- `jsonProtocol` for edge/Cloudflare Workers
+- `relationJoins` preview feature for JOIN-based queries (vs N+1)
+- Typed SQL (`prisma/sql/` directory for raw SQL with types)
+
+**Schema best practices:**
+
+```prisma
+// schema.prisma
+generator client {
+  provider        = "prisma-client-js"
+  previewFeatures = ["relationJoins", "typedSql"]
+}
+
+datasource db {
+  provider  = "postgresql"
+  url       = env("DATABASE_URL")
+  directUrl = env("DIRECT_URL") // for migrations (bypasses pgBouncer)
+}
+
+// Audit trail mixin pattern
+model AchChallenge {
+  id          String   @id @default(cuid())
+  userId      String
+  status      ChallengeStatus @default(PENDING)
+  options     String[] // ["3", "7", "9"]
+  correctOption String
+  attempts    Int      @default(0)
+  expiresAt   DateTime
+  resolvedAt  DateTime?
+  webhookSent Boolean  @default(false)
+  createdAt   DateTime @default(now())
+  updatedAt   DateTime @updatedAt
+
+  user        User     @relation(fields: [userId], references: [id])
+
+  @@index([userId, status])
+  @@index([expiresAt]) // for cleanup scheduler
+}
+
+enum ChallengeStatus {
+  PENDING
+  APPROVED
+  DECLINED
+  EXPIRED
+  LOCKED
+}
+```
+
+**Transaction patterns:**
+
+```typescript
+// Interactive transaction (multiple operations, rollback on error)
+const result = await prisma.$transaction(
+  async (tx) => {
+    const challenge = await tx.achChallenge.update({
+      where: { id: challengeId },
+      data: { status: "APPROVED", resolvedAt: new Date() },
+    });
+
+    await tx.achAuditLog.create({
+      data: { challengeId, action: "APPROVED", userId },
+    });
+
+    return challenge;
+  },
+  {
+    timeout: 10000, // 10 second timeout
+    isolationLevel: Prisma.TransactionIsolationLevel.ReadCommitted,
+  },
+);
+```
+
+**Batch operations (better performance):**
+
+```typescript
+// createMany — single INSERT with multiple rows
+await prisma.threatFeed.createMany({
+  data: threats,
+  skipDuplicates: true,
+});
+
+// updateMany — single UPDATE
+await prisma.achChallenge.updateMany({
+  where: { status: "PENDING", expiresAt: { lt: new Date() } },
+  data: { status: "EXPIRED" },
+});
+
+// deleteMany with limit (safer for large deletes)
+await prisma.$executeRaw`
+  DELETE FROM "AchChallenge" 
+  WHERE id IN (
+    SELECT id FROM "AchChallenge" 
+    WHERE "createdAt" < NOW() - INTERVAL '90 days'
+    LIMIT 1000
+  )
+`;
+```
+
+**Pagination (cursor-based for large datasets):**
+
+```typescript
+// First page
+const firstPage = await prisma.achChallenge.findMany({
+  take: 20,
+  orderBy: { createdAt: "desc" },
+});
+
+// Next page (cursor pagination — no offset drift)
+const nextPage = await prisma.achChallenge.findMany({
+  take: 20,
+  skip: 1, // skip the cursor itself
+  cursor: { id: lastId },
+  orderBy: { createdAt: "desc" },
+});
+```
+
+**Raw SQL with type safety (Prisma 5 typedSql):**
+
+```sql
+-- prisma/sql/getActiveChallenges.sql
+SELECT ac.*, u.email FROM "AchChallenge" ac
+JOIN "User" u ON ac."userId" = u.id
+WHERE ac.status = $1 AND ac."expiresAt" > NOW()
+ORDER BY ac."createdAt" DESC
+LIMIT $2;
+```
+
+```typescript
+import { getActiveChallenges } from "@prisma/client/sql";
+const challenges = await prisma.$queryRawTyped(getActiveChallenges("PENDING", 50));
+```
+
+**Connection management in Cloud Run:**
+
+```typescript
+// Singleton pattern — critical for Cloud Run (multiple instances)
+import { PrismaClient } from "@prisma/client";
+
+const globalForPrisma = globalThis as unknown as { prisma: PrismaClient };
+export const prisma =
+  globalForPrisma.prisma ??
+  new PrismaClient({
+    log: process.env.NODE_ENV === "development" ? ["query", "error", "warn"] : ["error"],
+    datasources: {
+      db: {
+        url: process.env.DATABASE_URL,
+      },
+    },
+  });
+if (process.env.NODE_ENV !== "production") globalForPrisma.prisma = prisma;
+```
+
+**Prisma migration commands:**
+
+```bash
+# Create migration (development)
+npx prisma migrate dev --name add_unit_account
+
+# Apply migrations (production — use in Cloud Build/deployment)
+npx prisma migrate deploy
+
+# Reset DB (development only — destroys all data)
+npx prisma migrate reset
+
+# Check migration status
+npx prisma migrate status
+
+# Generate Prisma client after schema change
+npx prisma generate
+
+# Introspect existing DB (for legacy schemas)
+npx prisma db pull
+
+# Push schema without migration (for rapid prototyping)
+npx prisma db push
+```
+
+**Never run `prisma migrate dev` in production.** Always use `prisma migrate deploy`.
+
+---
+
+## 3. Cloud SQL Configuration
+
+**<project> Cloud SQL:**
+
+- Instance: Cloud SQL PostgreSQL 15 (check Console for exact version)
+- Primary: us-central1
+- Read replicas: us-east1, asia-south1
+- GCP project: <gcp-project>
+
+**Connection string format:**
+
+```
+postgresql://USER:PASSWORD@HOST:5432/DATABASE?sslmode=require
+```
+
+**Cloud SQL with Cloud Run — authentication options:**
+
+**Option 1: Cloud SQL Auth Proxy (recommended for production):**
+
+- Uses IAM authentication, no password needed
+- Socket-based connection: `/cloudsql/PROJECT:REGION:INSTANCE`
+- URL format: `postgresql://user@localhost/db?host=/cloudsql/PROJECT:REGION:INSTANCE`
+
+**Option 2: Private IP (Cloud Run VPC Connector):**
+
+- Cloud Run → VPC Connector → Cloud SQL private IP
+- Requires VPC connector setup (additional cost)
+
+**Option 3: SSL with public IP (current <project> setup):**
+
+- `?sslmode=require` in DATABASE_URL
+- Cloud SQL uses SSL certificates for secure connections
+- IP is whitelisted or Cloud SQL Auth Proxy handles auth
+
+**Instance settings to check/optimize:**
+
+- Max connections: default varies by tier (db-standard-1 = 100, db-standard-2 = 200)
+- Recommended max connections = (RAM in GB × 100) - 10 reserved
+- Storage auto-increase: ON (prevents instance going read-only when disk fills)
+- Maintenance window: choose low-traffic time (e.g., Sunday 3am UTC)
+- High availability: enable for production (standby in same region, failover ~30s)
+
+**Viewing current connections:**
+
+```sql
+SELECT count(*), state, wait_event_type, wait_event
+FROM pg_stat_activity
+GROUP BY state, wait_event_type, wait_event
+ORDER BY count DESC;
+```
+
+**Connection limits by Cloud SQL tier:**
+| Tier | vCPUs | RAM | Max connections |
+|------|-------|-----|-----------------|
+| db-f1-micro | shared | 0.6GB | 25 |
+| db-g1-small | shared | 1.7GB | 100 |
+| db-standard-1 | 1 | 3.75GB | 100 |
+| db-standard-2 | 2 | 7.5GB | 200 |
+| db-standard-4 | 4 | 15GB | 400 |
+
+---
+
+## 4. Connection Pooling & Management
+
+**Problem with Cloud Run + Prisma:**
+Each Cloud Run instance creates a Prisma client with connection pool.
+Cloud Run can spin up many instances → can exhaust PostgreSQL max connections.
+
+**Solution 1: PgBouncer (recommended for production at scale):**
+Deploy PgBouncer as a Cloud Run sidecar or separate service.
+
+- Transaction pooling: most efficient for API servers
+- One PgBouncer handles 1000s of app connections → 10-50 DB connections
+
+**Solution 2: Prisma Data Proxy / Accelerate (managed):**
+Prisma's managed connection pooler.
+
+```typescript
+// Install: npm install @prisma/extension-accelerate
+import { withAccelerate } from "@prisma/extension-accelerate";
+const prisma = new PrismaClient().$extends(withAccelerate());
+```
+
+**Solution 3: Reduce Prisma pool size (immediate fix for <project>):**
+
+```
+DATABASE_URL="postgresql://...?connection_limit=5&pool_timeout=20"
+```
+
+- `connection_limit`: max connections per Prisma instance
+- `pool_timeout`: seconds to wait for connection before error
+- With 10 Cloud Run instances × 5 connections = 50 total connections (safe)
+
+**Cloud Run recommended settings:**
+
+```
+Max instances: 10 (prevents connection exhaustion)
+Min instances: 1 (keeps one warm for fast response)
+Concurrency: 80 (requests per instance)
+connection_limit in DATABASE_URL: 5
+```
+
+**Detecting connection exhaustion:**
+
+```sql
+SELECT count(*) FROM pg_stat_activity;
+-- If close to max_connections: connection pool is exhausted
+-- Check: SHOW max_connections;
+```
+
+**PgBouncer configuration (transaction mode):**
+
+```ini
+[databases]
+<project> = host=CLOUD_SQL_HOST port=5432 dbname=<project>
+
+[pgbouncer]
+pool_mode = transaction
+max_client_conn = 1000
+default_pool_size = 20
+server_idle_timeout = 600
+```
+
+---
+
+## 5. Zero-Downtime Migrations
+
+**Expand-Contract pattern (for columns that need type changes or renames):**
+
+**Phase 1 — Expand (add new, keep old):**
+
+```sql
+ALTER TABLE "User" ADD COLUMN "phoneNumberNew" TEXT;
+```
+
+**Phase 2 — Migrate data (backfill):**
+
+```sql
+UPDATE "User" SET "phoneNumberNew" = "phoneNumber"
+WHERE "phoneNumberNew" IS NULL AND "phoneNumber" IS NOT NULL;
+-- Do in batches to avoid lock:
+-- UPDATE "User" SET "phoneNumberNew" = "phoneNumber"
+-- WHERE id IN (SELECT id FROM "User" WHERE "phoneNumberNew" IS NULL LIMIT 1000)
+```
+
+**Phase 3 — Deploy code using new column:**
+Application reads both columns, writes to both.
+
+**Phase 4 — Contract (drop old column):**
+
+```sql
+ALTER TABLE "User" DROP COLUMN "phoneNumber";
+```
+
+**Safe migration operations (no table lock):**
+
+- `ADD COLUMN` (without default) ✅
+- `ADD COLUMN ... DEFAULT NULL` ✅
+- `ADD INDEX CONCURRENTLY` ✅
+- `DROP INDEX CONCURRENTLY` ✅
+- `CREATE TABLE` ✅
+- `DROP TABLE` ✅
+- Rename with multiple deployments ✅
+
+**Dangerous migration operations (cause table lock):**
+
+- `ADD COLUMN ... DEFAULT non-null` on large table ⚠️ (rewrites table)
+- `ALTER COLUMN TYPE` on existing data ⚠️
+- `ADD CONSTRAINT` without `NOT VALID` ⚠️
+- `DROP COLUMN` (but usually fast) ⚠️
+
+**Adding NOT NULL column safely:**
+
+```sql
+-- Step 1: Add nullable
+ALTER TABLE "AchChallenge" ADD COLUMN "bankCode" TEXT;
+-- Step 2: Backfill
+UPDATE "AchChallenge" SET "bankCode" = 'UNKNOWN' WHERE "bankCode" IS NULL;
+-- Step 3: Add constraint (use NOT VALID to skip scan)
+ALTER TABLE "AchChallenge" ALTER COLUMN "bankCode" SET NOT NULL;
+```
+
+**Prisma migration for zero-downtime:**
+Create the migration SQL manually to use CONCURRENTLY:
+
+```bash
+npx prisma migrate dev --create-only --name add_bank_code
+# Edit the generated SQL to add CONCURRENTLY
+npx prisma migrate deploy
+```
+
+---
+
+## 6. Data Modeling for Fintech
+
+**Core entities for <project>:**
+
+**Users and accounts:**
+
+```prisma
+model User {
+  id             String    @id @default(cuid())
+  email          String    @unique
+  emailVerified  DateTime?
+  phone          String?
+  region         String    @default("US") // "US" | "IN"
+  kycStatus      KycStatus @default(PENDING)
+  lockoutUntil   DateTime?
+  failedAttempts Int       @default(0)
+  createdAt      DateTime  @default(now())
+  updatedAt      DateTime  @updatedAt
+
+  achChallenges  AchChallenge[]
+  unitAccount    UnitAccount?
+  upiAccounts    UpiLinkedAccount[]
+  guardianDevices GuardianDevice[]
+
+  @@index([email])
+  @@index([phone])
+}
+```
+
+**Immutable audit trail (append-only, never update):**
+
+```prisma
+model TransactionAuditLog {
+  id          String   @id @default(cuid())
+  userId      String
+  eventType   String   // "ACH_APPROVED" | "UPI_BLOCKED" | "GUARDIAN_ALERT"
+  entityId    String   // challengeId, transactionId
+  entityType  String   // "AchChallenge" | "UpiTransaction"
+  metadata    Json     // full snapshot of event data
+  ipAddress   String?
+  userAgent   String?
+  createdAt   DateTime @default(now())
+
+  @@index([userId, createdAt])
+  @@index([entityId])
+  // NO updatedAt — this table is append-only
+}
+```
+
+**Soft deletes (never hard-delete financial records):**
+
+```prisma
+model UnitAccount {
+  id              String    @id @default(cuid())
+  userId          String    @unique
+  unitCustomerId  String    @unique
+  unitAccountId   String    @unique
+  routingNumber   String
+  accountNumber   String    // encrypted at rest
+  nickname        String?
+  status          String    @default("ACTIVE")
+  active          Boolean   @default(true)
+  deletedAt       DateTime? // soft delete
+  createdAt       DateTime  @default(now())
+  updatedAt       DateTime  @updatedAt
+}
+```
+
+**Idempotency keys (prevent duplicate transactions):**
+
+```prisma
+model IdempotencyKey {
+  id           String   @id @default(cuid())
+  key          String   @unique // UUID from client
+  operation    String   // "ACH_CHALLENGE" | "UPI_PAYMENT"
+  response     Json?    // cached response
+  createdAt    DateTime @default(now())
+  expiresAt    DateTime // TTL: 24 hours
+
+  @@index([key])
+  @@index([expiresAt]) // for cleanup
+}
+```
+
+**Fraud signal modeling:**
+
+```prisma
+model FraudSignal {
+  id          String   @id @default(cuid())
+  userId      String?  // null for anonymous signals
+  signalType  String   // "VELOCITY", "AMOUNT_SPIKE", "GEO_ANOMALY"
+  score       Float    // 0.0-1.0 fraud probability
+  features    Json     // model input features
+  decision    String   // "ALLOW" | "CHALLENGE" | "BLOCK"
+  entityId    String   // transaction/challenge this triggered on
+  createdAt   DateTime @default(now())
+
+  @@index([userId, createdAt])
+  @@index([signalType, score])
+}
+```
+
+---
+
+## 7. Cloud Scheduler — All 61 Jobs
+
+**<project> scheduler architecture:**
+All 61 jobs hit Cloud Run endpoints secured by `CRON_SECRET` header.
+Pattern: `Authorization: Bearer ${CRON_SECRET}` or `X-Cron-Secret: ${CRON_SECRET}`
+
+**Critical scheduler jobs and their timing:**
+| Job | Schedule | Description |
+|-----|----------|-------------|
+| feed-fetch | `*/9 * * * *` | Fetch threat intelligence feeds |
+| offline-settlement | `*/5 * * * *` | Process pending offline UPI settlements |
+| offline-settlement-india | `*/5 * * * *` (IST) | India UPI settlement (IST timezone) |
+| uptime-monitor | `*/5 * * * *` | Health check all 3 regions |
+| shield-evolution-agent | `0 * * * *` | Hourly AI threat model update |
+| news-crawler | `*/30 * * * *` | Financial security news crawl |
+| github-crawler | `0 * * * *` | GitHub security advisory crawl |
+| regulatory-crawler | `*/6 * * * *` | Regulatory update check |
+| daily-digest | `0 6 * * *` | Daily threat digest email (6am UTC) |
+| backup-verify | `0 */6 * * *` | Verify DB backup integrity |
+| sitemap-submit | `0 9 * * 1` | Weekly GSC sitemap submission |
+| feed-discovery | `0 3 * * 0` | Weekly new feed source discovery |
+| ach-challenge-expiry | `*/1 * * * *` | Expire stale ACH challenges (60s TTL) |
+
+**ACH challenge expiry job (new — needed for ACH Shield):**
+
+```typescript
+// POST /api/cron/expire-ach-challenges
+export async function POST(request: Request) {
+  const secret = request.headers.get("x-cron-secret");
+  if (secret !== process.env.CRON_SECRET) return new Response("Unauthorized", { status: 401 });
+
+  const expired = await prisma.achChallenge.updateMany({
+    where: {
+      status: "PENDING",
+      expiresAt: { lt: new Date() },
+    },
+    data: { status: "EXPIRED" },
+  });
+
+  return Response.json({ expired: expired.count });
+}
+```
+
+**Cloud Scheduler job configuration:**
+
+```bash
+gcloud scheduler jobs create http expire-ach-challenges \
+  --location=us-central1 \
+  --schedule="* * * * *" \
+  --uri="https://<project>.com/api/cron/expire-ach-challenges" \
+  --http-method=POST \
+  --headers="X-Cron-Secret=${CRON_SECRET}" \
+  --time-zone="UTC" \
+  --attempt-deadline="30s" \
+  --min-backoff=5s \
+  --max-backoff=60s \
+  --max-retry-attempts=3
+```
+
+**IST timezone for India jobs:**
+`--time-zone="Asia/Kolkata"` — UTC+5:30
+
+**Scheduler retry config:**
+
+- `max-retry-attempts`: 3 for critical jobs, 0 for idempotent crawlers
+- `attempt-deadline`: set based on expected job duration + buffer
+- Monitor failures: Cloud Console → Cloud Scheduler → job → View logs
+
+---
+
+## 8. BigQuery & Analytics
+
+**When to use BigQuery vs Cloud SQL:**
+
+- Cloud SQL: operational data, transactions, real-time queries
+- BigQuery: analytics, aggregations, historical reporting, ML
+
+**Streaming inserts from Cloud Run:**
+
+```typescript
+import { BigQuery } from "@google-cloud/bigquery";
+const bq = new BigQuery({ projectId: "<gcp-project>" });
+
+// Stream fraud signals to BigQuery for analytics
+await bq
+  .dataset("<project>_analytics")
+  .table("fraud_signals")
+  .insert([
+    {
+      userId: signal.userId,
+      signalType: signal.signalType,
+      score: signal.score,
+      createdAt: signal.createdAt.toISOString(),
+      // BigQuery timestamp format: YYYY-MM-DDTHH:MM:SS.fffZ
+    },
+  ]);
+```
+
+**BigQuery tables for <project>:**
+
+```sql
+-- Fraud signals table
+CREATE TABLE `<project>_analytics.fraud_signals`
+PARTITION BY DATE(created_at)
+OPTIONS (partition_expiration_days = 365)
+AS SELECT ... ;
+
+-- Daily aggregates (for dashboard)
+CREATE TABLE `<project>_analytics.daily_metrics`
+PARTITION BY report_date
+AS SELECT
+  DATE(created_at) as report_date,
+  COUNT(*) as total_challenges,
+  COUNTIF(status = 'APPROVED') as approved,
+  COUNTIF(status = 'DECLINED') as declined,
+  COUNTIF(status = 'EXPIRED') as expired,
+  AVG(CASE WHEN resolved_at IS NOT NULL
+    THEN TIMESTAMP_DIFF(resolved_at, created_at, SECOND) END) as avg_resolution_seconds
+FROM `<project>_analytics.ach_challenges`
+GROUP BY 1;
+```
+
+**Cost optimization:**
+
+- Partition all tables by date (partition pruning = pay only for queried partitions)
+- Cluster frequently filtered columns: `CLUSTER BY userId, signalType`
+- Use approximate aggregation: `APPROX_COUNT_DISTINCT()` vs `COUNT(DISTINCT)`
+- Preview query cost before running: check "This query will process X GB"
+
+---
+
+## 9. Backup, PITR & Disaster Recovery
+
+**Cloud SQL automated backups:**
+
+- Enabled by default on Cloud SQL
+- Retention: 7 days (default) — increase to 30 days for production
+- Takes ~30 minutes, no performance impact
+- Stored in the same region as the instance
+
+**Point-in-Time Recovery (PITR):**
+
+- Allows restore to any second within the backup window
+- Requires binary logging enabled (on by default in Cloud SQL)
+- Use case: accidental `DELETE` or data corruption
+- Recovery time: 30-60 minutes for a 10GB database
+
+**Enabling extended backup retention:**
+
+```bash
+gcloud sql instances patch INSTANCE_NAME \
+  --backup-retention-count=30 \
+  --enable-bin-log \
+  --retained-backups-count=30
+```
+
+**Manual backup before risky migrations:**
+
+```bash
+gcloud sql backups create \
+  --instance=INSTANCE_NAME \
+  --description="Pre-migration backup $(date +%Y-%m-%d)"
+```
+
+**Cross-region backup (for additional safety):**
+Enable in Cloud SQL instance settings → Backups → Enable cross-region backups
+Copies backups to another region automatically.
+
+**Restore procedure:**
+
+```bash
+# List available backups
+gcloud sql backups list --instance=INSTANCE_NAME
+
+# Restore to a new instance (never restore to production directly)
+gcloud sql instances create RESTORED_INSTANCE \
+  --source-instance=INSTANCE_NAME \
+  --backup-run-id=BACKUP_ID \
+  --region=us-central1
+
+# After verification, use Cloud SQL proxy to query restored instance
+```
+
+**Recovery time objectives for <project>:**
+
+- RTO (Recovery Time Objective): < 1 hour
+- RPO (Recovery Point Objective): < 5 minutes (PITR to last checkpoint)
+- HA (High Availability): 99.95% SLA with Cloud SQL HA enabled
+
+---
+
+## 10. Performance & Monitoring
+
+**Key metrics to monitor (Cloud SQL Insights):**
+
+- Query latency: P50, P95, P99
+- Active connections
+- CPU utilization: alert at 70%
+- Memory usage: alert at 85%
+- Disk utilization: alert at 80%
+- Replication lag (for replicas): alert at > 30 seconds
+
+**pg_stat_statements (slow query analysis):**
+
+```sql
+-- Top 10 slowest queries
+SELECT
+  round(total_exec_time::numeric, 2) as total_ms,
+  round(mean_exec_time::numeric, 2) as mean_ms,
+  calls,
+  round((total_exec_time / sum(total_exec_time) OVER ()) * 100, 2) as pct,
+  query
+FROM pg_stat_statements
+ORDER BY total_exec_time DESC
+LIMIT 10;
+```
+
+**Cloud SQL Query Insights:**
+
+- Cloud Console → Cloud SQL → instance → Query insights
+- Shows top queries by CPU, latency, count
+- Execution plan visualization
+- No setup needed — enabled by default
+
+**Connection pool monitoring:**
+
+```sql
+-- Current connections by state
+SELECT state, count(*)
+FROM pg_stat_activity
+GROUP BY state;
+
+-- Long-running queries (> 5 minutes)
+SELECT pid, now() - pg_stat_activity.query_start AS duration, query, state
+FROM pg_stat_activity
+WHERE (now() - pg_stat_activity.query_start) > interval '5 minutes';
+```
+
+**Killing a blocking query:**
+
+```sql
+SELECT pg_cancel_backend(pid); -- graceful cancel
+SELECT pg_terminate_backend(pid); -- force terminate
+```
+
+**Cloud Monitoring alerting policies:**
+
+```bash
+# Create alert for high CPU
+gcloud monitoring policies create \
+  --notification-channels=CHANNEL_ID \
+  --display-name="Cloud SQL CPU > 70%" \
+  --condition-threshold-filter='resource.type="cloudsql_database"' \
+  --condition-threshold-value=0.7 \
+  --condition-threshold-comparison=COMPARISON_GT
+```
+
+---
+
+## 11. Row-Level Security & Multi-Tenancy
+
+**RLS for <project> (isolate user data):**
+
+```sql
+-- Enable RLS on sensitive tables
+ALTER TABLE "AchChallenge" ENABLE ROW LEVEL SECURITY;
+
+-- Policy: users can only see their own challenges
+CREATE POLICY user_isolation ON "AchChallenge"
+  FOR ALL
+  USING (current_setting('app.current_user_id') = "userId");
+
+-- Set user context at query time (via Prisma middleware)
+SET LOCAL app.current_user_id = 'user_id_here';
+```
+
+**Prisma middleware to set user context:**
+
+```typescript
+prisma.$use(async (params, next) => {
+  if (currentUserId) {
+    await prisma.$executeRaw`SET LOCAL app.current_user_id = ${currentUserId}`;
+  }
+  return next(params);
+});
+```
+
+**Note:** RLS adds overhead. For <project>'s current scale, application-level isolation
+(WHERE userId = currentUser.id) is sufficient. Use RLS as defense-in-depth for highly sensitive tables.
+
+---
+
+## 12. Pub/Sub & Event-Driven Architecture
+
+**When to use Pub/Sub vs direct DB writes:**
+
+- High-volume events: fraud signals, threat feeds, audit logs → Pub/Sub
+- Real-time webhooks that might fail: ACH notifications → Pub/Sub with retry
+- Cross-service communication: feed-fetch → feed-processor
+
+**<project> Pub/Sub topics:**
+
+```bash
+# Create topics
+gcloud pubsub topics create threat-feeds-ingestion
+gcloud pubsub topics create ach-webhook-delivery
+gcloud pubsub topics create fraud-signals
+
+# Create subscriptions with retry
+gcloud pubsub subscriptions create ach-webhook-processor \
+  --topic=ach-webhook-delivery \
+  --ack-deadline=60 \
+  --min-retry-delay=10s \
+  --max-retry-delay=600s \
+  --dead-letter-topic=ach-webhook-dlq \
+  --max-delivery-attempts=5
+```
+
+**Publishing from Next.js:**
+
+```typescript
+import { PubSub } from "@google-cloud/pubsub";
+const pubsub = new PubSub({ projectId: "<gcp-project>" });
+
+await pubsub.topic("ach-webhook-delivery").publish(
+  Buffer.from(
+    JSON.stringify({
+      challengeId,
+      bankWebhookUrl,
+      decision: "APPROVED",
+      timestamp: new Date().toISOString(),
+    }),
+  ),
+);
+```
+
+---
+
+## 13. GCP Secret Manager Operations
+
+**All <project> secrets:**
+DATABASE_URL, NEXTAUTH_SECRET, RESEND_API_KEY, STRIPE_SECRET_KEY, STRIPE_WEBHOOK_SECRET, CRON_SECRET, TELEGRAM_BOT_TOKEN, TELEGRAM_CHANNEL_ID, NVD_API_KEY, SHIELD_SIGNING_KEY, TG_MASTER_KEY, ADMIN_EMAIL, FIREBASE_SERVICE_ACCOUNT_KEY, BANK_WEBHOOK_SECRET, UNIT_API_KEY, UNIT_WEBHOOK_SECRET, UNIT_DEPOSIT_PRODUCT_ID
+
+**Common operations:**
+
+```bash
+# Read a secret
+gcloud secrets versions access latest --secret=SECRET_NAME --project=<gcp-project>
+
+# Update a secret (creates new version)
+echo -n "new_value" | gcloud secrets versions add SECRET_NAME --data-file=-
+
+# List versions
+gcloud secrets versions list SECRET_NAME
+
+# Deploy new secret version to all Cloud Run regions
+# (Cloud Run reads latest version on cold start — use revision deploy to force refresh)
+gcloud run deploy <project> \
+  --image LATEST_IMAGE \
+  --region us-central1 \
+  --update-secrets SECRET_NAME=SECRET_NAME:latest
+```
+
+**Adding a new secret:**
+
+```bash
+gcloud secrets create NEW_SECRET_NAME \
+  --project=<gcp-project> \
+  --replication-policy="automatic"
+
+echo -n "secret_value" | gcloud secrets versions add NEW_SECRET_NAME --data-file=-
+
+# Grant Cloud Run service account access
+gcloud secrets add-iam-policy-binding NEW_SECRET_NAME \
+  --member="serviceAccount:<email>" \
+  --role="roles/secretmanager.secretAccessor"
+```
+
+**Secret rotation pattern:**
+
+1. Add new version: `gcloud secrets versions add`
+2. Deploy new Cloud Run revision (picks up new version)
+3. Verify new version works
+4. Disable old version: `gcloud secrets versions disable VERSION_ID --secret=SECRET_NAME`
+
+---
+
+## 14. <project> DB Schema Reference
+
+**Current DB tables (55+):**
+
+**Core auth/user:** User, Account, Session, VerificationToken (NextAuth)
+
+**ACH Shield:**
+
+- AchChallenge (id, userId, status, options[], correctOption, attempts, expiresAt, resolvedAt, webhookSent)
+- UnitAccount (id, userId, unitCustomerId, unitAccountId, routingNumber, accountNumber, nickname, status, active)
+
+**UPI Shield:**
+
+- UpiLinkedAccount (id, userId, vpa, bankName, active, deletedAt)
+- UpiFraudCheck (id, userId, vpa, amount, decision, score, blockedReason)
+- UpiTransaction (id, userId, vpa, amount, status, offlineToken, settledAt)
+
+**Guardian:**
+
+- GuardianDevice (id, userId, platform, hostname, agentVersion, lastSeen, status)
+- GuardianHeartbeat (id, deviceId, threats[], metrics{})
+- GuardianAlert (id, deviceId, alertType, severity, detail, acknowledgedAt)
+
+**SENTINEL:**
+
+- ThreatFeed (id, feedId, title, content, severity, tags[], metadata{}, publishedAt)
+- FeedRegistry (id, name, url, type, active, lastFetchAt, errorCount)
+- FraudSignal (id, userId, signalType, score, features{}, decision, entityId)
+
+**Offline UPI:**
+
+- OfflineToken (id, userId, amount, vpa, encryptedPayload, expiresAt, used)
+- MeshSettlement (id, tokenId, transportType, settledAt, npciRef)
+
+**Schema migration for new tables (April 15, 2026 migration):**
+
+- UnitAccount: created ✅
+- GuardianDevice: confirmed ✅
+- UpiLinkedAccount additions: ✅
+- UpiFraudCheck field additions: ✅
+
+**Checking migration status:**
+
+```bash
+npx prisma migrate status
+# or
+gcloud sql databases list --instance=INSTANCE_NAME
+```