@warmio/contracts 3.0.5 → 3.0.7

package/dist/financial-context-artifact-protocol.d.ts

@@ -1,5 +1,4 @@
 import { z } from 'zod';
-import { financialContextSchema, transactionMonthSchema } from './schemas/financial-context.js';
 export declare const FINANCIAL_CONTEXT_PROTOCOL_VERSION: 2;
 export declare const financialContextAccessEpochSchema: z.ZodObject<{
     user_revision: z.ZodString;
@@ -78,12 +77,1369 @@ export declare const financialContextAdmissionSchema: z.ZodObject<{
     };
 }>;
 export type FinancialContextAdmission = z.infer<typeof financialContextAdmissionSchema>;
-type FinancialContextArtifactHashContent = {
+export declare const financialContextInterpretationSchema: z.ZodObject<{
+    transfers: z.ZodUnion<[z.ZodLiteral<0>, z.ZodLiteral<1>]>;
+    merchants: z.ZodLiteral<0>;
+}, "strict", z.ZodTypeAny, {
+    transfers: 0 | 1;
+    merchants: 0;
+}, {
+    transfers: 0 | 1;
+    merchants: 0;
+}>;
+declare const financialContextArtifactHashInputSchema: z.ZodEffects<z.ZodObject<{
+    user_id: z.ZodString;
+    access_epoch: z.ZodObject<{
+        user_revision: z.ZodString;
+        household: z.ZodNullable<z.ZodObject<{
+            id: z.ZodEffects<z.ZodString, string, string>;
+            revision: z.ZodString;
+        }, "strict", z.ZodTypeAny, {
+            id: string;
+            revision: string;
+        }, {
+            id: string;
+            revision: string;
+        }>>;
+    }, "strict", z.ZodTypeAny, {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    }, {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    }>;
+    context: z.ZodObject<{
+        version: z.ZodEnum<["v1"]>;
+        updated_at: z.ZodString;
+        currency: z.ZodEnum<["USD"]>;
+        status: z.ZodObject<{
+            position: z.ZodNullable<z.ZodObject<{
+                date: z.ZodNullable<z.ZodString>;
+                net_worth: z.ZodNullable<z.ZodNumber>;
+                cash: z.ZodNullable<z.ZodNumber>;
+                debt: z.ZodNullable<z.ZodNumber>;
+                investments: z.ZodNullable<z.ZodNumber>;
+                other_assets: z.ZodNullable<z.ZodNumber>;
+                total_assets: z.ZodNullable<z.ZodNumber>;
+            }, "strict", z.ZodTypeAny, {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            }, {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            }>>;
+            accounts: z.ZodArray<z.ZodObject<{
+                id: z.ZodString;
+                name: z.ZodString;
+                source: z.ZodNullable<z.ZodEnum<["plaid", "manual", "csv_import"]>>;
+                type: z.ZodEnum<["depository", "credit", "loan", "investment", "brokerage", "other"]>;
+                subtype: z.ZodNullable<z.ZodString>;
+                group: z.ZodNullable<z.ZodEnum<["cash", "debt", "investments", "other"]>>;
+                institution: z.ZodNullable<z.ZodString>;
+                mask: z.ZodNullable<z.ZodString>;
+                balance: z.ZodNullable<z.ZodNumber>;
+                available: z.ZodNullable<z.ZodNumber>;
+                currency: z.ZodNullable<z.ZodString>;
+                updated_at: z.ZodNullable<z.ZodString>;
+            }, "strict", z.ZodTypeAny, {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }, {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }>, "many">;
+        }, "strict", z.ZodTypeAny, {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        }, {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        }>;
+        transactions: z.ZodObject<{
+            total: z.ZodNumber;
+            months: z.ZodArray<z.ZodObject<{
+                month: z.ZodString;
+                count: z.ZodNumber;
+            }, "strict", z.ZodTypeAny, {
+                month: string;
+                count: number;
+            }, {
+                month: string;
+                count: number;
+            }>, "many">;
+        }, "strict", z.ZodTypeAny, {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        }, {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        }>;
+        recurring: z.ZodArray<z.ZodObject<{
+            id: z.ZodString;
+            account_id: z.ZodNullable<z.ZodString>;
+            direction: z.ZodNullable<z.ZodEnum<["inflow", "outflow"]>>;
+            frequency: z.ZodNullable<z.ZodEnum<["WEEKLY", "BIWEEKLY", "MONTHLY", "QUARTERLY", "SEMI_ANNUALLY", "ANNUALLY"]>>;
+            status: z.ZodNullable<z.ZodEnum<["active", "inactive", "dismissed"]>>;
+            merchant: z.ZodNullable<z.ZodString>;
+            amount: z.ZodNullable<z.ZodNumber>;
+            next_date: z.ZodNullable<z.ZodString>;
+            excluded_from_subscriptions: z.ZodOptional<z.ZodBoolean>;
+        }, "strict", z.ZodTypeAny, {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }, {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }>, "many">;
+        budgets: z.ZodArray<z.ZodObject<{
+            id: z.ZodString;
+            name: z.ZodString;
+            type: z.ZodEnum<["category", "merchant"]>;
+            period: z.ZodEnum<["weekly", "biweekly", "monthly"]>;
+            status: z.ZodEnum<["under", "warning", "over"]>;
+            amount: z.ZodNumber;
+            spent: z.ZodNumber;
+            remaining: z.ZodNumber;
+            used_percent: z.ZodNumber;
+        }, "strict", z.ZodTypeAny, {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }, {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }>, "many">;
+        goals: z.ZodArray<z.ZodObject<{
+            id: z.ZodString;
+            name: z.ZodString;
+            category: z.ZodString;
+            status: z.ZodEnum<["not_started", "in_progress", "on_track", "behind", "completed"]>;
+            target: z.ZodNumber;
+            current: z.ZodNumber;
+            progress_percent: z.ZodNumber;
+            target_date: z.ZodNullable<z.ZodString>;
+        }, "strict", z.ZodTypeAny, {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }, {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }>, "many">;
+        snapshots: z.ZodArray<z.ZodObject<{
+            date: z.ZodString;
+            net_worth: z.ZodNullable<z.ZodNumber>;
+            cash: z.ZodNullable<z.ZodNumber>;
+            debt: z.ZodNullable<z.ZodNumber>;
+            income: z.ZodNullable<z.ZodNumber>;
+            expenses: z.ZodNullable<z.ZodNumber>;
+            cash_flow: z.ZodNullable<z.ZodNumber>;
+            savings_rate: z.ZodNullable<z.ZodNumber>;
+            investments: z.ZodNullable<z.ZodNumber>;
+            assets: z.ZodNullable<z.ZodNumber>;
+            health_score: z.ZodNullable<z.ZodNumber>;
+            health_score_model_version: z.ZodNullable<z.ZodLiteral<3>>;
+        }, "strict", z.ZodTypeAny, {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }, {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }>, "many">;
+        liabilities: z.ZodArray<z.ZodObject<{
+            account_id: z.ZodNullable<z.ZodString>;
+            type: z.ZodNullable<z.ZodEnum<["credit", "student", "mortgage", "other"]>>;
+            balance: z.ZodNullable<z.ZodNumber>;
+            minimum_payment: z.ZodNullable<z.ZodNumber>;
+            due_date: z.ZodNullable<z.ZodString>;
+            interest_rate: z.ZodNullable<z.ZodNumber>;
+            rate_type: z.ZodNullable<z.ZodEnum<["fixed", "variable"]>>;
+            overdue: z.ZodNullable<z.ZodBoolean>;
+        }, "strict", z.ZodTypeAny, {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }, {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }>, "many">;
+        holdings: z.ZodArray<z.ZodObject<{
+            account_id: z.ZodNullable<z.ZodString>;
+            symbol: z.ZodNullable<z.ZodString>;
+            name: z.ZodNullable<z.ZodString>;
+            type: z.ZodNullable<z.ZodEnum<["cash", "derivative", "equity", "etf", "fixed_income", "mutual_fund", "other"]>>;
+            quantity: z.ZodNullable<z.ZodNumber>;
+            value: z.ZodNullable<z.ZodNumber>;
+            cost_basis: z.ZodNullable<z.ZodNumber>;
+        }, "strict", z.ZodTypeAny, {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }, {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }>, "many">;
+        health: z.ZodNullable<z.ZodObject<{
+            score: z.ZodNumber;
+            model_version: z.ZodLiteral<3>;
+            record_count: z.ZodNumber;
+            label: z.ZodEnum<["Needs Attention", "Good", "Strong"]>;
+            level: z.ZodEnum<["strong", "good", "fair", "poor", "critical"]>;
+            summary: z.ZodString;
+            data_completeness: z.ZodNumber;
+            pillars: z.ZodNullable<z.ZodObject<{
+                spend: z.ZodNullable<z.ZodNumber>;
+                save: z.ZodNullable<z.ZodNumber>;
+                borrow: z.ZodNullable<z.ZodNumber>;
+                build: z.ZodNullable<z.ZodNumber>;
+            }, "strict", z.ZodTypeAny, {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            }, {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            }>>;
+        }, "strict", z.ZodTypeAny, {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        }, {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        }>>;
+    }, "strict", z.ZodTypeAny, {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    }, {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    }>;
+    months: z.ZodArray<z.ZodObject<{
+        month: z.ZodString;
+        start_date: z.ZodString;
+        end_date: z.ZodString;
+        count: z.ZodNumber;
+        items: z.ZodArray<z.ZodObject<{
+            id: z.ZodString;
+            account_id: z.ZodNullable<z.ZodString>;
+            date: z.ZodNullable<z.ZodString>;
+            amount: z.ZodNumber;
+            merchant: z.ZodNullable<z.ZodString>;
+            name: z.ZodNullable<z.ZodString>;
+            category: z.ZodNullable<z.ZodString>;
+            subcategory: z.ZodNullable<z.ZodString>;
+            pending: z.ZodNullable<z.ZodBoolean>;
+            currency: z.ZodNullable<z.ZodString>;
+            is_internal_transfer: z.ZodOptional<z.ZodNullable<z.ZodBoolean>>;
+            transfer_pair_id: z.ZodOptional<z.ZodNullable<z.ZodString>>;
+            transfers_interpretation_version: z.ZodOptional<z.ZodUnion<[z.ZodLiteral<0>, z.ZodLiteral<1>]>>;
+            merchants_interpretation_version: z.ZodOptional<z.ZodLiteral<0>>;
+        }, "strict", z.ZodTypeAny, {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }, {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }>, "many">;
+    }, "strict", z.ZodTypeAny, {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }, {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }>, "many">;
+    interpretation: z.ZodOptional<z.ZodObject<{
+        transfers: z.ZodUnion<[z.ZodLiteral<0>, z.ZodLiteral<1>]>;
+        merchants: z.ZodLiteral<0>;
+    }, "strict", z.ZodTypeAny, {
+        transfers: 0 | 1;
+        merchants: 0;
+    }, {
+        transfers: 0 | 1;
+        merchants: 0;
+    }>>;
+}, "strict", z.ZodTypeAny, {
+    user_id: string;
+    access_epoch: {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    };
+    context: {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    };
+    months: {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
+}, {
+    user_id: string;
+    access_epoch: {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    };
+    context: {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    };
+    months: {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
+}>, {
+    user_id: string;
+    access_epoch: {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    };
+    context: {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    };
+    months: {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
+}, {
     user_id: string;
-    access_epoch: FinancialContextAccessEpoch;
-    context: z.infer<typeof financialContextSchema>;
-    months: Array<z.infer<typeof transactionMonthSchema>>;
-};
+    access_epoch: {
+        user_revision: string;
+        household: {
+            id: string;
+            revision: string;
+        } | null;
+    };
+    context: {
+        version: "v1";
+        updated_at: string;
+        currency: "USD";
+        status: {
+            position: {
+                date: string | null;
+                net_worth: number | null;
+                cash: number | null;
+                debt: number | null;
+                investments: number | null;
+                other_assets: number | null;
+                total_assets: number | null;
+            } | null;
+            accounts: {
+                id: string;
+                name: string;
+                source: "csv_import" | "manual" | "plaid" | null;
+                type: "brokerage" | "credit" | "depository" | "investment" | "loan" | "other";
+                subtype: string | null;
+                group: "cash" | "debt" | "investments" | "other" | null;
+                institution: string | null;
+                mask: string | null;
+                balance: number | null;
+                available: number | null;
+                currency: string | null;
+                updated_at: string | null;
+            }[];
+        };
+        transactions: {
+            total: number;
+            months: {
+                month: string;
+                count: number;
+            }[];
+        };
+        recurring: {
+            id: string;
+            account_id: string | null;
+            direction: "inflow" | "outflow" | null;
+            frequency: "ANNUALLY" | "BIWEEKLY" | "MONTHLY" | "QUARTERLY" | "SEMI_ANNUALLY" | "WEEKLY" | null;
+            status: "active" | "dismissed" | "inactive" | null;
+            merchant: string | null;
+            amount: number | null;
+            next_date: string | null;
+            excluded_from_subscriptions?: boolean | undefined;
+        }[];
+        budgets: {
+            id: string;
+            name: string;
+            type: "category" | "merchant";
+            period: "biweekly" | "monthly" | "weekly";
+            status: "over" | "under" | "warning";
+            amount: number;
+            spent: number;
+            remaining: number;
+            used_percent: number;
+        }[];
+        goals: {
+            id: string;
+            name: string;
+            category: string;
+            status: "behind" | "completed" | "in_progress" | "not_started" | "on_track";
+            target: number;
+            current: number;
+            progress_percent: number;
+            target_date: string | null;
+        }[];
+        snapshots: {
+            date: string;
+            net_worth: number | null;
+            cash: number | null;
+            debt: number | null;
+            income: number | null;
+            expenses: number | null;
+            cash_flow: number | null;
+            savings_rate: number | null;
+            investments: number | null;
+            assets: number | null;
+            health_score: number | null;
+            health_score_model_version: 3 | null;
+        }[];
+        liabilities: {
+            account_id: string | null;
+            type: "credit" | "mortgage" | "other" | "student" | null;
+            balance: number | null;
+            minimum_payment: number | null;
+            due_date: string | null;
+            interest_rate: number | null;
+            rate_type: "fixed" | "variable" | null;
+            overdue: boolean | null;
+        }[];
+        holdings: {
+            account_id: string | null;
+            symbol: string | null;
+            name: string | null;
+            type: "cash" | "derivative" | "equity" | "etf" | "fixed_income" | "mutual_fund" | "other" | null;
+            quantity: number | null;
+            value: number | null;
+            cost_basis: number | null;
+        }[];
+        health: {
+            score: number;
+            model_version: 3;
+            record_count: number;
+            label: "Good" | "Needs Attention" | "Strong";
+            level: "critical" | "fair" | "good" | "poor" | "strong";
+            summary: string;
+            data_completeness: number;
+            pillars: {
+                spend: number | null;
+                save: number | null;
+                borrow: number | null;
+                build: number | null;
+            } | null;
+        } | null;
+    };
+    months: {
+        month: string;
+        start_date: string;
+        end_date: string;
+        count: number;
+        items: {
+            id: string;
+            account_id: string | null;
+            date: string | null;
+            amount: number;
+            merchant: string | null;
+            name: string | null;
+            category: string | null;
+            subcategory: string | null;
+            pending: boolean | null;
+            currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
+        }[];
+    }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
+}>;
 export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodObject<{
     protocol_version: z.ZodLiteral<2>;
     user_id: z.ZodString;
@@ -741,6 +2097,10 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: z.ZodNullable<z.ZodString>;
             pending: z.ZodNullable<z.ZodBoolean>;
             currency: z.ZodNullable<z.ZodString>;
+            is_internal_transfer: z.ZodOptional<z.ZodNullable<z.ZodBoolean>>;
+            transfer_pair_id: z.ZodOptional<z.ZodNullable<z.ZodString>>;
+            transfers_interpretation_version: z.ZodOptional<z.ZodUnion<[z.ZodLiteral<0>, z.ZodLiteral<1>]>>;
+            merchants_interpretation_version: z.ZodOptional<z.ZodLiteral<0>>;
         }, "strict", z.ZodTypeAny, {
             id: string;
             account_id: string | null;
@@ -752,6 +2112,10 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }, {
             id: string;
             account_id: string | null;
@@ -763,6 +2127,10 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }>, "many">;
     }, "strict", z.ZodTypeAny, {
         month: string;
@@ -780,6 +2148,10 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }, {
         month: string;
@@ -797,8 +2169,22 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }>, "many">;
+    interpretation: z.ZodOptional<z.ZodObject<{
+        transfers: z.ZodUnion<[z.ZodLiteral<0>, z.ZodLiteral<1>]>;
+        merchants: z.ZodLiteral<0>;
+    }, "strict", z.ZodTypeAny, {
+        transfers: 0 | 1;
+        merchants: 0;
+    }, {
+        transfers: 0 | 1;
+        merchants: 0;
+    }>>;
     meta: z.ZodObject<{
         version: z.ZodEnum<["v1"]>;
         user_id: z.ZodString;
@@ -996,8 +2382,16 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
     meta: {
         version: "v1";
         user_id: string;
@@ -1157,8 +2551,16 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
     meta: {
         version: "v1";
         user_id: string;
@@ -1318,8 +2720,16 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
     meta: {
         version: "v1";
         user_id: string;
@@ -1479,8 +2889,16 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
             subcategory: string | null;
             pending: boolean | null;
             currency: string | null;
+            is_internal_transfer?: boolean | null | undefined;
+            transfer_pair_id?: string | null | undefined;
+            transfers_interpretation_version?: 0 | 1 | undefined;
+            merchants_interpretation_version?: 0 | undefined;
         }[];
     }[];
+    interpretation?: {
+        transfers: 0 | 1;
+        merchants: 0;
+    } | undefined;
     meta: {
         version: "v1";
         user_id: string;
@@ -1499,7 +2917,7 @@ export declare const financialContextArtifactEnvelopeSchema: z.ZodEffects<z.ZodO
     status?: "rebuilt" | undefined;
 }>;
 export type FinancialContextArtifactEnvelope = z.infer<typeof financialContextArtifactEnvelopeSchema>;
-export type FinancialContextArtifactHashInput = FinancialContextArtifactHashContent;
+export type FinancialContextArtifactHashInput = z.infer<typeof financialContextArtifactHashInputSchema>;
 export declare function compareFinancialContextAccessEpochs(left: FinancialContextAccessEpoch, right: FinancialContextAccessEpoch): FinancialContextAccessEpochComparison;
 export declare function financialContextAccessEpochsEqual(left: FinancialContextAccessEpoch, right: FinancialContextAccessEpoch): boolean;
 export declare function canonicalFinancialContextArtifactJson(input: FinancialContextArtifactHashInput): string;