ray-finance 0.1.0

package/dist/scoring/index.js

@@ -0,0 +1,375 @@
+/**
+ * Calculate and store the daily score for a given date (defaults to yesterday).
+ * Should run during daily sync, after transactions are updated.
+ */
+export function calculateDailyScore(db, dateStr) {
+    const date = dateStr || new Date(Date.now() - 24 * 60 * 60 * 1000).toISOString().slice(0, 10);
+    const nextDate = new Date(new Date(date).getTime() + 24 * 60 * 60 * 1000).toISOString().slice(0, 10);
+    // Count restaurant/fast food/coffee visits
+    const restaurants = db.prepare(`SELECT COUNT(*) as cnt, COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE (date = ? OR (date = ? AND pending = 1)) AND amount > 0
+     AND category = 'FOOD_AND_DRINK'
+     AND (subcategory LIKE '%RESTAURANT%' OR subcategory LIKE '%FAST_FOOD%' OR subcategory LIKE '%COFFEE%')`).get(date, nextDate);
+    // Count shopping purchases
+    const shopping = db.prepare(`SELECT COUNT(*) as cnt, COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE (date = ? OR (date = ? AND pending = 1)) AND amount > 0
+     AND category = 'GENERAL_MERCHANDISE'`).get(date, nextDate);
+    // Total food spend
+    const food = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE (date = ? OR (date = ? AND pending = 1)) AND amount > 0
+     AND category = 'FOOD_AND_DRINK'`).get(date, nextDate);
+    // Total discretionary spend (exclude fixed bills, transfers, loan payments)
+    const totalSpend = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE (date = ? OR (date = ? AND pending = 1)) AND amount > 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS',
+       'LOAN_PAYMENTS_CAR_PAYMENT', 'LOAN_PAYMENTS_PERSONAL_LOAN_PAYMENT',
+       'RENT_AND_UTILITIES', 'RENT_AND_UTILITIES_RENT')`).get(date, nextDate);
+    // Get budget pace for food
+    const now = new Date(date);
+    const daysInMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0).getDate();
+    const foodBudget = db.prepare(`SELECT monthly_limit FROM budgets WHERE category = 'FOOD_AND_DRINK'`)
+        .get();
+    const dailyFoodBudget = (foodBudget?.monthly_limit || 900) / daysInMonth;
+    // Check if all budgets are on pace
+    const dayOfMonth = now.getDate();
+    const monthPct = dayOfMonth / daysInMonth;
+    const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+    const budgets = db.prepare(`SELECT category, monthly_limit FROM budgets`).all();
+    const controllable = ["FOOD_AND_DRINK", "GENERAL_MERCHANDISE", "ENTERTAINMENT", "PERSONAL_CARE", "TRANSPORTATION"];
+    let allOnPace = true;
+    for (const b of budgets) {
+        if (!controllable.includes(b.category))
+            continue;
+        const spent = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+       WHERE category = ? AND date BETWEEN ? AND ? AND amount > 0`).get(b.category, monthStart, date);
+        if (spent.total / b.monthly_limit > monthPct + 0.05) {
+            allOnPace = false;
+            break;
+        }
+    }
+    const isZeroSpend = totalSpend.total === 0;
+    // --- Calculate score ---
+    let score = 50; // Base
+    // No restaurants: +15
+    if (restaurants.cnt === 0)
+        score += 15;
+    // Each restaurant visit: -10
+    else
+        score -= restaurants.cnt * 10;
+    // No shopping: +15
+    if (shopping.cnt === 0)
+        score += 15;
+    // Each shopping purchase: -10
+    else
+        score -= shopping.cnt * 10;
+    // Food under daily pace: +10
+    if (food.total <= dailyFoodBudget)
+        score += 10;
+    // Food way over (2x pace): -5
+    else if (food.total > dailyFoodBudget * 2)
+        score -= 5;
+    // Total discretionary under $50: +10
+    if (totalSpend.total > 0 && totalSpend.total < 50)
+        score += 10;
+    // Zero-spend day: +25 (jackpot)
+    if (isZeroSpend)
+        score += 25;
+    // Clamp
+    score = Math.max(0, Math.min(100, score));
+    // --- Streaks (look at previous day's record) ---
+    const prev = db.prepare(`SELECT no_restaurant_streak, no_shopping_streak, on_pace_streak FROM daily_scores
+     WHERE date < ? ORDER BY date DESC LIMIT 1`).get(date);
+    const noRestaurantStreak = restaurants.cnt === 0 ? (prev?.no_restaurant_streak || 0) + 1 : 0;
+    const noShoppingStreak = shopping.cnt === 0 ? (prev?.no_shopping_streak || 0) + 1 : 0;
+    const onPaceStreak = allOnPace ? (prev?.on_pace_streak || 0) + 1 : 0;
+    // Store
+    db.prepare(`INSERT INTO daily_scores (date, score, restaurant_count, shopping_count, food_spend, total_spend, zero_spend, no_restaurant_streak, no_shopping_streak, on_pace_streak)
+     VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+     ON CONFLICT(date) DO UPDATE SET
+       score=excluded.score, restaurant_count=excluded.restaurant_count,
+       shopping_count=excluded.shopping_count, food_spend=excluded.food_spend,
+       total_spend=excluded.total_spend, zero_spend=excluded.zero_spend,
+       no_restaurant_streak=excluded.no_restaurant_streak,
+       no_shopping_streak=excluded.no_shopping_streak,
+       on_pace_streak=excluded.on_pace_streak`).run(date, score, restaurants.cnt, shopping.cnt, food.total, totalSpend.total, isZeroSpend ? 1 : 0, noRestaurantStreak, noShoppingStreak, onPaceStreak);
+    return {
+        date,
+        score,
+        restaurant_count: restaurants.cnt,
+        shopping_count: shopping.cnt,
+        food_spend: food.total,
+        total_spend: totalSpend.total,
+        zero_spend: isZeroSpend,
+        no_restaurant_streak: noRestaurantStreak,
+        no_shopping_streak: noShoppingStreak,
+        on_pace_streak: onPaceStreak,
+    };
+}
+/**
+ * Check and unlock any new achievements. Returns newly unlocked ones.
+ */
+export function checkAchievements(db) {
+    const newlyUnlocked = [];
+    const definitions = [
+        {
+            key: "clean_week",
+            name: "Clean Week",
+            description: "7 consecutive days with all budgets on pace",
+            check: () => {
+                const row = db.prepare(`SELECT on_pace_streak FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+                return row?.on_pace_streak >= 7;
+            },
+        },
+        {
+            key: "home_chef",
+            name: "Home Chef",
+            description: "14-day no-restaurant streak",
+            check: () => {
+                const row = db.prepare(`SELECT no_restaurant_streak FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+                return row?.no_restaurant_streak >= 14;
+            },
+        },
+        {
+            key: "no_restaurant_7",
+            name: "Kitchen Hero",
+            description: "7-day no-restaurant streak",
+            check: () => {
+                const row = db.prepare(`SELECT no_restaurant_streak FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+                return row?.no_restaurant_streak >= 7;
+            },
+        },
+        {
+            key: "no_shopping_7",
+            name: "Window Shopper",
+            description: "7 days with zero shopping purchases",
+            check: () => {
+                const row = db.prepare(`SELECT no_shopping_streak FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+                return row?.no_shopping_streak >= 7;
+            },
+        },
+        {
+            key: "no_shopping_14",
+            name: "Detoxed",
+            description: "14 days with zero shopping purchases",
+            check: () => {
+                const row = db.prepare(`SELECT no_shopping_streak FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+                return row?.no_shopping_streak >= 14;
+            },
+        },
+        {
+            key: "zero_hero",
+            name: "Zero Hero",
+            description: "A zero-spend day",
+            check: () => {
+                const row = db.prepare(`SELECT COUNT(*) as cnt FROM daily_scores WHERE zero_spend = 1`).get();
+                return row?.cnt >= 1;
+            },
+        },
+        {
+            key: "zero_hero_5",
+            name: "Monk Mode",
+            description: "5 zero-spend days in a single month",
+            check: () => {
+                const now = new Date();
+                const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+                const row = db.prepare(`SELECT COUNT(*) as cnt FROM daily_scores WHERE zero_spend = 1 AND date >= ?`).get(monthStart);
+                return row?.cnt >= 5;
+            },
+        },
+        {
+            key: "debt_crusher",
+            name: "Debt Crusher",
+            description: "$1,000+ paid toward credit card in a single month",
+            check: () => {
+                const now = new Date();
+                const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+                const row = db.prepare(`SELECT COALESCE(SUM(ABS(amount)), 0) as total FROM transactions
+           WHERE account_id IN (SELECT account_id FROM accounts WHERE type = 'credit')
+           AND amount < 0 AND date >= ? AND category != 'TRANSFER_IN'`).get(monthStart);
+                return row?.total >= 1000;
+            },
+        },
+        {
+            key: "food_discipline",
+            name: "Half Marathon",
+            description: "Food budget under target for a full month",
+            check: () => {
+                const now = new Date();
+                const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1).toISOString().slice(0, 10);
+                const lastMonthEnd = new Date(now.getFullYear(), now.getMonth(), 0).toISOString().slice(0, 10);
+                const budget = db.prepare(`SELECT monthly_limit FROM budgets WHERE category = 'FOOD_AND_DRINK'`).get();
+                if (!budget)
+                    return false;
+                const spent = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+           WHERE category = 'FOOD_AND_DRINK' AND date BETWEEN ? AND ? AND amount > 0`).get(lastMonthStart, lastMonthEnd);
+                return spent?.total <= budget.monthly_limit;
+            },
+        },
+        {
+            key: "net_worth_500k",
+            name: "Half Millionaire",
+            description: "Net worth crossed $500,000",
+            check: () => {
+                const row = db.prepare(`SELECT net_worth FROM net_worth_history ORDER BY date DESC LIMIT 1`).get();
+                return row?.net_worth >= 500000;
+            },
+        },
+        {
+            key: "bnpl_plan_done",
+            name: "One Down",
+            description: "A BNPL plan completed",
+            check: () => {
+                const now = new Date();
+                const thisMonthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+                const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1).toISOString().slice(0, 10);
+                const lastMonthEnd = new Date(now.getFullYear(), now.getMonth(), 0).toISOString().slice(0, 10);
+                const lastMonth = db.prepare(`SELECT DISTINCT merchant_name FROM transactions
+           WHERE category = 'LOAN_PAYMENTS' AND (merchant_name LIKE '%Affirm%' OR name LIKE '%PAYMTHLY%')
+           AND date BETWEEN ? AND ? AND amount > 0`).all(lastMonthStart, lastMonthEnd);
+                const thisMonth = db.prepare(`SELECT DISTINCT merchant_name FROM transactions
+           WHERE category = 'LOAN_PAYMENTS' AND (merchant_name LIKE '%Affirm%' OR name LIKE '%PAYMTHLY%')
+           AND date >= ? AND amount > 0`).all(thisMonthStart);
+                const thisMonthNames = new Set(thisMonth.map(r => r.merchant_name));
+                return lastMonth.some(r => !thisMonthNames.has(r.merchant_name));
+            },
+        },
+        {
+            key: "emergency_2k",
+            name: "Safety Net",
+            description: "Emergency fund hit $2,000",
+            check: () => {
+                const goal = db.prepare(`SELECT current_amount FROM goals WHERE name LIKE '%Emergency%'`).get();
+                return goal?.current_amount >= 2000;
+            },
+        },
+        {
+            key: "score_90_streak_3",
+            name: "On Fire",
+            description: "Score of 90+ three days in a row",
+            check: () => {
+                const rows = db.prepare(`SELECT score FROM daily_scores ORDER BY date DESC LIMIT 3`).all();
+                return rows.length >= 3 && rows.every(r => r.score >= 90);
+            },
+        },
+        {
+            key: "avg_score_80",
+            name: "Consistent",
+            description: "Average score of 80+ over a full month",
+            check: () => {
+                const now = new Date();
+                const lastMonthStart = new Date(now.getFullYear(), now.getMonth() - 1, 1).toISOString().slice(0, 10);
+                const lastMonthEnd = new Date(now.getFullYear(), now.getMonth(), 0).toISOString().slice(0, 10);
+                const row = db.prepare(`SELECT AVG(score) as avg_score, COUNT(*) as cnt FROM daily_scores WHERE date BETWEEN ? AND ?`).get(lastMonthStart, lastMonthEnd);
+                return row?.cnt >= 20 && row?.avg_score >= 80;
+            },
+        },
+    ];
+    for (const def of definitions) {
+        // Skip if already unlocked
+        const existing = db.prepare(`SELECT 1 FROM achievements WHERE key = ?`).get(def.key);
+        if (existing)
+            continue;
+        if (def.check()) {
+            db.prepare(`INSERT INTO achievements (key, name, description) VALUES (?, ?, ?)`).run(def.key, def.name, def.description);
+            newlyUnlocked.push({
+                key: def.key,
+                name: def.name,
+                description: def.description,
+                unlocked_at: new Date().toISOString(),
+            });
+        }
+    }
+    return newlyUnlocked;
+}
+/**
+ * Get monthly savings compared to the earliest full month of transaction data (dynamic baseline).
+ * If no full month exists yet, returns { saved: 0, ... }.
+ */
+export function getMonthlySavings(db) {
+    const now = new Date();
+    const dayOfMonth = now.getDate();
+    // Find the earliest full month of transaction data
+    const earliest = db.prepare(`SELECT MIN(date) as min_date FROM transactions WHERE amount > 0`).get();
+    if (!earliest.min_date) {
+        return { saved: 0, baselinePace: 0, currentPace: 0, daysCompared: 0, baselineMonth: null };
+    }
+    const earliestDate = new Date(earliest.min_date);
+    // The first full month starts on the 1st of the month after the earliest transaction
+    // unless the earliest transaction IS on the 1st
+    let baselineYear = earliestDate.getFullYear();
+    let baselineMonth = earliestDate.getMonth();
+    if (earliestDate.getDate() > 1) {
+        // Move to next month for a full month
+        baselineMonth += 1;
+        if (baselineMonth > 11) {
+            baselineMonth = 0;
+            baselineYear += 1;
+        }
+    }
+    // Make sure baseline month is fully in the past
+    const baselineEnd = new Date(baselineYear, baselineMonth + 1, 0);
+    if (baselineEnd >= now) {
+        // Baseline month hasn't ended yet
+        return { saved: 0, baselinePace: 0, currentPace: 0, daysCompared: 0, baselineMonth: null };
+    }
+    // Also skip if baseline is the current month
+    if (baselineYear === now.getFullYear() && baselineMonth === now.getMonth()) {
+        return { saved: 0, baselinePace: 0, currentPace: 0, daysCompared: 0, baselineMonth: null };
+    }
+    const baselineStart = `${baselineYear}-${String(baselineMonth + 1).padStart(2, "0")}-01`;
+    const baselineEndStr = baselineEnd.toISOString().slice(0, 10);
+    const daysInBaseline = baselineEnd.getDate();
+    const baselineLabel = `${baselineYear}-${String(baselineMonth + 1).padStart(2, "0")}`;
+    // Baseline: total discretionary spending
+    const baselineTotal = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE date BETWEEN ? AND ? AND amount > 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS',
+       'LOAN_PAYMENTS_CAR_PAYMENT', 'LOAN_PAYMENTS_PERSONAL_LOAN_PAYMENT',
+       'RENT_AND_UTILITIES', 'RENT_AND_UTILITIES_RENT')`).get(baselineStart, baselineEndStr);
+    // Baseline daily pace
+    const baselineDailyPace = baselineTotal.total / daysInBaseline;
+    // This month's actual spend so far
+    const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+    const today = now.toISOString().slice(0, 10);
+    const currentTotal = db.prepare(`SELECT COALESCE(SUM(amount), 0) as total FROM transactions
+     WHERE date BETWEEN ? AND ? AND amount > 0
+     AND category NOT IN ('TRANSFER_OUT', 'TRANSFER_IN', 'LOAN_PAYMENTS',
+       'LOAN_PAYMENTS_CAR_PAYMENT', 'LOAN_PAYMENTS_PERSONAL_LOAN_PAYMENT',
+       'RENT_AND_UTILITIES', 'RENT_AND_UTILITIES_RENT')`).get(monthStart, today);
+    const baselinePaceForDays = baselineDailyPace * dayOfMonth;
+    const saved = baselinePaceForDays - currentTotal.total;
+    return {
+        saved: Math.round(saved * 100) / 100,
+        baselinePace: Math.round(baselinePaceForDays * 100) / 100,
+        currentPace: Math.round(currentTotal.total * 100) / 100,
+        daysCompared: dayOfMonth,
+        baselineMonth: baselineLabel,
+    };
+}
+/**
+ * Get latest score + streaks for display.
+ */
+export function getLatestScore(db) {
+    const row = db.prepare(`SELECT * FROM daily_scores ORDER BY date DESC LIMIT 1`).get();
+    if (!row)
+        return null;
+    return {
+        ...row,
+        zero_spend: row.zero_spend === 1,
+    };
+}
+/**
+ * Get all unlocked achievements.
+ */
+export function getAchievements(db) {
+    return db.prepare(`SELECT * FROM achievements ORDER BY unlocked_at DESC`).all();
+}
+/**
+ * Get average score for current month.
+ */
+export function getMonthAvgScore(db) {
+    const now = new Date();
+    const monthStart = new Date(now.getFullYear(), now.getMonth(), 1).toISOString().slice(0, 10);
+    const row = db.prepare(`SELECT AVG(score) as avg FROM daily_scores WHERE date >= ?`).get(monthStart);
+    return row.avg !== null ? Math.round(row.avg) : null;
+}

package/dist/server.d.ts

@@ -0,0 +1,7 @@
+interface LinkResult {
+    url: string;
+    waitForComplete: () => Promise<void>;
+    stop: () => void;
+}
+export declare function startLinkServer(): LinkResult;
+export {};

package/dist/server.js

@@ -0,0 +1,172 @@
+import express from "express";
+import { fileURLToPath } from "url";
+import { dirname, resolve } from "path";
+import { randomUUID } from "crypto";
+import { createLinkToken, exchangeToken } from "./plaid/link.js";
+import { syncBalances, syncTransactions } from "./plaid/sync.js";
+import { plaidClient } from "./plaid/client.js";
+import { CountryCode } from "plaid";
+import { encryptPlaidToken } from "./db/encryption.js";
+import { config } from "./config.js";
+import { getDb } from "./db/connection.js";
+const __filename = fileURLToPath(import.meta.url);
+const __dirname = dirname(__filename);
+// Session map for Plaid Link — maps sessionId → true (single-user, no chatId needed)
+const linkSessions = new Map();
+// Simple rate limiter: track request counts per IP
+const rateLimits = new Map();
+const RATE_LIMIT_WINDOW = 60_000; // 1 minute
+const RATE_LIMIT_MAX = 10; // max requests per window
+function isRateLimited(ip) {
+    const now = Date.now();
+    const entry = rateLimits.get(ip);
+    if (!entry || now > entry.resetAt) {
+        rateLimits.set(ip, { count: 1, resetAt: now + RATE_LIMIT_WINDOW });
+        return false;
+    }
+    entry.count++;
+    return entry.count > RATE_LIMIT_MAX;
+}
+export function startLinkServer() {
+    const app = express();
+    app.use(express.json());
+    // Only allow requests from localhost origin
+    app.use((req, res, next) => {
+        const origin = req.headers.origin || req.headers.referer || "";
+        const ip = req.ip || req.socket.remoteAddress || "";
+        if (req.path.startsWith("/api/")) {
+            // Check origin for API routes
+            if (origin && !origin.startsWith(`http://localhost:${config.port}`) && !origin.startsWith(`http://127.0.0.1:${config.port}`)) {
+                res.status(403).json({ error: "Forbidden" });
+                return;
+            }
+            // Rate limit API routes
+            if (isRateLimited(ip)) {
+                res.status(429).json({ error: "Too many requests" });
+                return;
+            }
+        }
+        next();
+    });
+    app.use(express.static(resolve(__dirname, "public")));
+    const sessionId = randomUUID();
+    linkSessions.set(sessionId, true);
+    let resolveComplete;
+    const completePromise = new Promise((res) => { resolveComplete = res; });
+    // Serve Plaid Link page
+    app.get("/link/:session", (req, res) => {
+        const sid = req.params.session;
+        if (!linkSessions.has(sid)) {
+            res.status(404).send("Link session expired or invalid. Please run 'ray link' again.");
+            return;
+        }
+        res.sendFile(resolve(__dirname, "public", "link.html"));
+    });
+    // Create link token
+    app.post("/api/link-token", async (req, res) => {
+        try {
+            const { session_id } = req.body;
+            if (!linkSessions.has(session_id)) {
+                res.status(404).json({ error: "Invalid or expired session" });
+                return;
+            }
+            const linkToken = await createLinkToken();
+            res.json({ link_token: linkToken });
+        }
+        catch (error) {
+            console.error("Link token error:", error.message);
+            res.status(500).json({ error: "Failed to create link token" });
+        }
+    });
+    // Exchange public token
+    app.post("/api/exchange", async (req, res) => {
+        try {
+            const { public_token, session_id, institution_name } = req.body;
+            if (!linkSessions.has(session_id)) {
+                res.status(404).json({ error: "Invalid or expired session" });
+                return;
+            }
+            const db = getDb();
+            const { accessToken, itemId } = await exchangeToken(public_token);
+            // Encrypt token — refuse to store without encryption
+            if (!config.plaidTokenSecret) {
+                res.status(500).json({ error: "Plaid token secret not configured. Run 'ray setup' to set one." });
+                return;
+            }
+            const encryptedToken = encryptPlaidToken(accessToken, config.plaidTokenSecret);
+            db.prepare(`INSERT INTO institutions (item_id, access_token, name, products)
+         VALUES (?, ?, ?, ?)
+         ON CONFLICT(item_id) DO UPDATE SET access_token = excluded.access_token`).run(itemId, encryptedToken, institution_name || "Account", JSON.stringify(["transactions"]));
+            // Trigger initial sync (Plaid may not have data ready immediately)
+            const runSync = async () => {
+                await syncBalances(db, accessToken);
+                await syncTransactions(db, itemId, accessToken, null);
+            };
+            try {
+                await runSync();
+            }
+            catch (syncErr) {
+                console.error("Initial sync error, will retry in 30s:", syncErr.message);
+                // Plaid often needs time to prepare data after first link
+                setTimeout(async () => {
+                    try {
+                        await runSync();
+                        console.log("Retry sync succeeded for", institution_name);
+                    }
+                    catch (retryErr) {
+                        console.error("Retry sync also failed:", retryErr.message);
+                        // One more retry after 2 minutes
+                        setTimeout(async () => {
+                            try {
+                                await runSync();
+                                console.log("Final retry sync succeeded for", institution_name);
+                            }
+                            catch (finalErr) {
+                                console.error("Final sync retry failed:", finalErr.message);
+                            }
+                        }, 120_000);
+                    }
+                }, 30_000);
+            }
+            // Fetch institution logo
+            let institutionLogo = null;
+            if (req.body.institution_id) {
+                try {
+                    const { data } = await plaidClient.institutionsGetById({
+                        institution_id: req.body.institution_id,
+                        country_codes: [CountryCode.Us],
+                        options: { include_optional_metadata: true },
+                    });
+                    institutionLogo = data.institution.logo || null;
+                }
+                catch { }
+            }
+            // Clean up session
+            linkSessions.delete(session_id);
+            res.json({ success: true, institution_name: institution_name, institution_logo: institutionLogo });
+            // Signal completion
+            resolveComplete();
+        }
+        catch (error) {
+            console.error("Token exchange error:", error.message);
+            res.status(500).json({ error: "Failed to link account" });
+        }
+    });
+    const server = app.listen(config.port, "127.0.0.1");
+    const url = `http://localhost:${config.port}/link/${sessionId}`;
+    // Auto-expire after 30 minutes
+    const timeout = setTimeout(() => {
+        linkSessions.delete(sessionId);
+        server.close();
+        resolveComplete();
+    }, 30 * 60 * 1000);
+    return {
+        url,
+        waitForComplete: () => completePromise,
+        stop: () => {
+            clearTimeout(timeout);
+            linkSessions.clear();
+            server.close();
+        },
+    };
+}

package/package.json

@@ -0,0 +1,60 @@
+{
+  "name": "ray-finance",
+  "version": "0.1.0",
+  "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
+  "type": "module",
+  "license": "MIT",
+  "author": "Clark Dinnison",
+  "repository": {
+    "type": "git",
+    "url": "https://github.com/cdinnison/ray-finance.git"
+  },
+  "homepage": "https://rayfinance.app",
+  "bugs": {
+    "url": "https://github.com/cdinnison/ray-finance/issues"
+  },
+  "keywords": [
+    "finance",
+    "personal-finance",
+    "cli",
+    "ai",
+    "plaid",
+    "budgeting",
+    "local-first"
+  ],
+  "engines": {
+    "node": ">=18"
+  },
+  "files": [
+    "dist/"
+  ],
+  "bin": {
+    "ray": "./dist/cli/index.js"
+  },
+  "scripts": {
+    "build": "tsc && rm -rf dist/public && cp -r src/public dist/public",
+    "test": "vitest run",
+    "prepublishOnly": "npm run build",
+    "sync": "tsx src/daily-sync.ts"
+  },
+  "dependencies": {
+    "@anthropic-ai/sdk": "^0.74.0",
+    "libsql": "^0.5.0",
+    "chalk": "^5.3.0",
+    "commander": "^13.0.0",
+    "dotenv": "^16.4.0",
+    "express": "^4.21.0",
+    "inquirer": "^12.0.0",
+    "open": "^10.0.0",
+    "ora": "^8.0.0",
+    "plaid": "^28.0.0"
+  },
+  "devDependencies": {
+    "@types/better-sqlite3": "^7.6.0",
+    "@types/express": "^4.17.0",
+    "@types/node": "^22.0.0",
+    "tsx": "^4.7.0",
+    "typescript": "^5.5.0",
+    "vitest": "^3.2.4"
+  }
+}