ray-finance 0.2.4 → 0.3.0

package/dist/ai/agent.d.ts

@@ -1,2 +1,10 @@
-import type Database from "better-sqlite3-multiple-ciphers";
-export declare function handleMessage(db: Database.Database, userMessage: string): Promise<string>;
+import type Database from "libsql";
+/** Human-readable labels for tool calls shown in the spinner */
+export declare const TOOL_LABELS: Record<string, string>;
+export type ProgressCallback = (event: {
+    phase: "tool" | "responding";
+    toolName?: string;
+    toolCount: number;
+    elapsedMs: number;
+}) => void;
+export declare function handleMessage(db: Database.Database, userMessage: string, onProgress?: ProgressCallback): Promise<string>;

package/dist/ai/agent.js

@@ -11,7 +11,23 @@ const anthropic = new Anthropic(useManaged()
 function supportsThinking(model) {
     return /sonnet-4|opus-4/i.test(model);
 }
-export async function handleMessage(db, userMessage) {
+/** Human-readable labels for tool calls shown in the spinner */
+export const TOOL_LABELS = {
+    get_net_worth: "Checking net worth",
+    get_accounts: "Reviewing accounts",
+    get_transactions: "Looking at transactions",
+    get_spending_summary: "Analyzing spending",
+    get_budgets: "Reviewing budgets",
+    set_budget: "Setting budget",
+    get_goals: "Checking goals",
+    set_goal: "Setting goal",
+    get_score: "Calculating score",
+    get_recurring: "Finding recurring charges",
+    get_alerts: "Checking alerts",
+    save_memory: "Remembering that",
+    update_context: "Updating your profile",
+};
+export async function handleMessage(db, userMessage, onProgress) {
     // Save incoming message
     saveMessage(db, "user", userMessage);
     // Load conversation context, truncated to fit token budget
@@ -56,6 +72,8 @@ export async function handleMessage(db, userMessage) {
         // Initial API call
         let response = await anthropic.messages.create(apiParams);
         // Agentic tool loop
+        const startTime = Date.now();
+        let toolCount = 0;
         while (response.stop_reason === "tool_use") {
             // Filter out thinking blocks before adding to messages
             const assistantContent = response.content.filter((b) => b.type !== "thinking");
@@ -63,6 +81,13 @@ export async function handleMessage(db, userMessage) {
             const toolResults = [];
             for (const block of assistantContent) {
                 if (block.type === "tool_use") {
+                    toolCount++;
+                    onProgress?.({
+                        phase: "tool",
+                        toolName: block.name,
+                        toolCount,
+                        elapsedMs: Date.now() - startTime,
+                    });
                     const result = await executeTool(db, block.name, block.input);
                     logToolCall(db, block.name, block.input, result, response.usage?.output_tokens);
                     toolResults.push({
@@ -73,6 +98,11 @@ export async function handleMessage(db, userMessage) {
                 }
             }
             messages.push({ role: "user", content: toolResults });
+            onProgress?.({
+                phase: "responding",
+                toolCount,
+                elapsedMs: Date.now() - startTime,
+            });
             response = await anthropic.messages.create(apiParams);
         }
         // Extract text response (filter out thinking blocks), restore PII for display
@@ -83,11 +113,19 @@ export async function handleMessage(db, userMessage) {
         return responseText || "I looked into that but couldn't formulate a response. Could you try rephrasing?";
     }
     catch (error) {
-        // Log full error internally but don't expose details to user
+        if (error.status === 403) {
+            return "Your API key was rejected. This usually means your subscription is inactive. Run `ray billing` to check your payment status, or `ray setup` to reconfigure.";
+        }
+        if (error.status === 401) {
+            return "Invalid API key. Run `ray setup` to reconfigure your credentials.";
+        }
+        if (error.status === 429) {
+            return "Rate limited. Wait a moment and try again.";
+        }
         const safeMessage = error.status
             ? `API error (${error.status})`
-            : "internal error";
-        console.error("AI agent error:", safeMessage);
+            : error.message || "internal error";
+        console.error("AI error:", safeMessage);
         return "Sorry, I had trouble processing that. Could you try again?";
     }
 }

package/dist/ai/audit.d.ts

@@ -1,3 +1,3 @@
-import type Database from "better-sqlite3-multiple-ciphers";
+import type Database from "libsql";
 export declare function logToolCall(db: Database.Database, toolName: string, inputParams: any, resultSummary: string, tokensUsed?: number): void;
 export declare function getAuditLog(db: Database.Database, limit?: number): any[];

package/dist/ai/insights.d.ts

@@ -1,3 +1,3 @@
-import type Database from "better-sqlite3-multiple-ciphers";
+import type Database from "libsql";
 export declare function computeInsights(db: Database.Database): string;
 export declare function cliBriefing(db: Database.Database): string | null;

package/dist/ai/insights.js

@@ -53,7 +53,7 @@ function buildSnapshot(db) {
     // Account balances — cap at 5
     const accounts = getAccountBalances(db).slice(0, 5);
     if (accounts.length > 0) {
-        lines.push(accounts.map(a => `${a.name} (${a.type}): ${a.type === "credit" ? "-" : ""}${formatMoney(a.balance)}`).join(" | "));
+        lines.push(accounts.map(a => `${a.name} (${a.type}): ${["credit", "loan"].includes(a.type) ? "-" : ""}${formatMoney(a.balance)}`).join(" | "));
     }
     // Debt summary
     const debts = getDebts(db);

package/dist/ai/memory.d.ts

@@ -1,4 +1,4 @@
-import type Database from "better-sqlite3-multiple-ciphers";
+import type Database from "libsql";
 export declare function getConversationHistory(db: Database.Database, limit?: number): {
     role: string;
     content: string;

package/dist/ai/system-prompt.d.ts

@@ -1,2 +1,2 @@
-import type Database from "better-sqlite3-multiple-ciphers";
+import type Database from "libsql";
 export declare function buildSystemPrompt(db: Database.Database): string;

package/dist/ai/system-prompt.js

@@ -38,6 +38,7 @@ Today is ${dateStr}.
 - When the user shares something worth remembering (a preference, life event, financial goal context), use save_memory.
 - When circumstances change (new decisions, completed goals, changed balances, updated strategy), use update_context to persist the change.
 - For date-based queries, figure out the right date range from context (e.g., "this month" = first of current month to today).
+- If you notice transactions suggesting unlinked accounts (e.g., mortgage payments, car loans, investment transfers) that aren't in the linked accounts, mention it once and suggest \`ray link\`. If the user says they don't have that account, save it to context.
 
 ## Privacy
 - Never reveal account numbers, routing numbers, or Plaid access tokens.
@@ -49,18 +50,19 @@ ${name} just connected their financial accounts and needs help setting up their
 Instructions:
 1. Start by calling these tools to review their synced data: get_accounts, get_transactions (last 30 days), get_spending_summary, get_debts
 2. Present a concise summary of what you found — accounts, recent spending patterns, any debts
-3. Then ask about gaps ONE TOPIC AT A TIME (not all at once). Topics to cover:
+3. Check for missing account types: if you see mortgage payments but no mortgage account, car payments but no auto loan, investment contributions but no investment account, etc. — ask if they'd like to link those too (they can run \`ray link\`). If they say they don't have one, save that to context so you don't ask again.
+4. Then ask about gaps ONE TOPIC AT A TIME (not all at once). Topics to cover:
    - Family situation (partner, dependents)
    - Income details (salary, side income, frequency)
    - Financial goals (short-term and long-term)
    - Current challenges or concerns
    - Budget targets or spending limits they want
    - Any upcoming life changes (job change, move, baby, etc.)
-4. After each answer, call update_context with the "section" param to save that section of their context
-5. Also use save_memory for notable individual facts
-6. Keep it to 1-2 questions per turn — be conversational, not interrogative
-7. After gathering enough info, write a Strategy section summarizing priorities and next steps
-8. If the user says "skip" or changes topic, gracefully stop onboarding and help with whatever they need
+5. After each answer, call update_context with the "section" param to save that section of their context
+6. Also use save_memory for notable individual facts
+7. Keep it to 1-2 questions per turn — be conversational, not interrogative
+8. After gathering enough info, write a Strategy section summarizing priorities and next steps
+9. If the user says "skip" or changes topic, gracefully stop onboarding and help with whatever they need
 
 This onboarding block will automatically disappear once the context file is filled in.`;
     }

package/dist/ai/tools.d.ts

@@ -1,4 +1,4 @@
-import type Database from "better-sqlite3-multiple-ciphers";
+import type Database from "libsql";
 import type { Tool } from "@anthropic-ai/sdk/resources/messages.js";
 export declare const toolDefinitions: Tool[];
 export declare function executeTool(db: Database.Database, toolName: string, toolInput: any): Promise<string>;

package/dist/ai/tools.js

@@ -332,7 +332,7 @@ export async function executeTool(db, toolName, toolInput) {
             const accounts = getAccountBalances(db);
             if (accounts.length === 0)
                 return "No accounts linked yet.";
-            return accounts.map(a => `${a.name} (${a.type}): ${a.type === "credit" ? "-" : ""}${formatMoney(a.balance)}`).join("\n");
+            return accounts.map(a => `${a.name} (${a.type}): ${["credit", "loan"].includes(a.type) ? "-" : ""}${formatMoney(a.balance)}`).join("\n");
         }
         case "get_transactions": {
             const txns = getTransactionsFiltered(db, {
@@ -432,10 +432,15 @@ export async function executeTool(db, toolName, toolInput) {
             return result;
         }
         case "get_recurring": {
-            const rows = db.prepare(`SELECT merchant_name, avg_amount, frequency, last_date FROM recurring WHERE active = 1 ORDER BY avg_amount DESC`).all();
+            const rows = db.prepare(`SELECT merchant_name, description, avg_amount, last_amount, frequency, last_date, stream_type
+         FROM recurring WHERE is_active = 1 ORDER BY stream_type, avg_amount DESC`).all();
             if (rows.length === 0)
                 return "No recurring transactions detected yet.";
-            return rows.map(r => `${r.merchant_name}: ${formatMoney(r.avg_amount)} (${r.frequency}, last: ${r.last_date})`).join("\n");
+            return rows.map(r => {
+                const name = r.merchant_name || r.description;
+                const arrow = r.stream_type === "inflow" ? "+" : "-";
+                return `${arrow} ${name}: ${formatMoney(Math.abs(r.avg_amount))} (${r.frequency.toLowerCase()}, last: ${r.last_date})`;
+            }).join("\n");
         }
         case "get_alerts": {
             const alerts = generateAlerts(db);

package/dist/alerts/index.d.ts

@@ -1,4 +1,4 @@
-import type BetterSqlite3 from "better-sqlite3-multiple-ciphers";
+import type BetterSqlite3 from "libsql";
 type Database = BetterSqlite3.Database;
 export interface Alert {
     type: string;

package/dist/alerts/index.js

@@ -59,36 +59,25 @@ export function generateAlerts(db) {
             });
         }
     }
-    // Subscription price changes (compare last 2 occurrences of recurring merchants)
+    // Subscription price changes — uses Plaid's recurring transaction streams
     const recurring = db
-        .prepare(`SELECT merchant_name, amount, date FROM transactions
-       WHERE merchant_name IN (
-         SELECT merchant_name FROM transactions
-         WHERE merchant_name IS NOT NULL AND amount > 0
-         GROUP BY merchant_name HAVING COUNT(*) >= 2
-       )
-       AND amount > 0 AND pending = 0
-       ORDER BY merchant_name, date DESC`)
+        .prepare(`SELECT merchant_name, description, avg_amount, last_amount, frequency, status
+       FROM recurring
+       WHERE is_active = 1 AND stream_type = 'outflow' AND status = 'MATURE'
+         AND last_amount IS NOT NULL AND avg_amount IS NOT NULL`)
         .all();
-    const byMerchant = {};
     for (const r of recurring) {
-        if (!byMerchant[r.merchant_name])
-            byMerchant[r.merchant_name] = [];
-        if (byMerchant[r.merchant_name].length < 2) {
-            byMerchant[r.merchant_name].push({ amount: r.amount, date: r.date });
-        }
-    }
-    for (const [merchant, charges] of Object.entries(byMerchant)) {
-        if (charges.length === 2) {
-            const diff = Math.abs(charges[0].amount - charges[1].amount);
-            if (diff > 0.5 && diff / charges[1].amount > 0.05) {
-                alerts.push({
-                    type: "price_change",
-                    severity: "info",
-                    message: `Price change: ${merchant} went from $${charges[1].amount} to $${charges[0].amount}`,
-                    data: { merchant, previous: charges[1].amount, current: charges[0].amount },
-                });
-            }
+        if (r.avg_amount === 0)
+            continue;
+        const diff = Math.abs(r.last_amount - r.avg_amount);
+        if (diff > 0.5 && diff / Math.abs(r.avg_amount) > 0.05) {
+            const name = r.merchant_name || r.description;
+            alerts.push({
+                type: "price_change",
+                severity: "info",
+                message: `Price change: ${name} went from $${Math.abs(r.avg_amount).toFixed(2)} to $${Math.abs(r.last_amount).toFixed(2)} (${r.frequency.toLowerCase()})`,
+                data: { merchant: name, previous: r.avg_amount, current: r.last_amount, frequency: r.frequency },
+            });
         }
     }
     return alerts;

package/dist/cli/chat.js

@@ -1,22 +1,18 @@
 import chalk from "chalk";
-import { getDb } from "../db/connection.js";
-import { handleMessage } from "../ai/agent.js";
 import { config } from "../config.js";
-import { isContextEmpty } from "../ai/context.js";
-import { cliBriefing } from "../ai/insights.js";
-import { banner, formatResponse } from "./format.js";
+import { banner, formatResponse, formatDuration, formatError } from "./format.js";
 /** Raw-mode line reader that renders content below the cursor while waiting for input */
 function rawReadLine(prompt, belowLines) {
     return new Promise((resolve) => {
         let buf = "";
         const out = process.stdout;
-        // Render: prompt on current line, then content below, then restore cursor
+        // Render: prompt on current line, then content below, then move cursor back
         out.write(prompt);
         if (belowLines.length > 0) {
-            // Save cursor, render below, restore
-            out.write("\x1b[s");
             out.write("\n" + belowLines.join("\n"));
-            out.write("\x1b[u");
+            // Move cursor back up to the prompt line and to the end of prompt text
+            out.write(`\x1b[${belowLines.length}A`);
+            out.write("\r" + prompt);
         }
         process.stdin.setRawMode(true);
         process.stdin.resume();
@@ -73,8 +69,25 @@ function rawReadLine(prompt, belowLines) {
         process.stdin.on("data", onData);
     });
 }
+const THINKING_PHRASES = [
+    "Thinking...",
+    "Crunching numbers...",
+    "Reviewing your accounts...",
+    "Analyzing...",
+    "Looking into that...",
+    "Pulling up your data...",
+    "Checking the numbers...",
+    "On it...",
+];
+function getThinkingText() {
+    return THINKING_PHRASES[Math.floor(Math.random() * THINKING_PHRASES.length)];
+}
 export async function startChat() {
     const ora = (await import("ora")).default;
+    const { getDb } = await import("../db/connection.js");
+    const { handleMessage, TOOL_LABELS } = await import("../ai/agent.js");
+    const { isContextEmpty } = await import("../ai/context.js");
+    const { cliBriefing } = await import("../ai/insights.js");
     const db = getDb();
     // Show logo + briefing
     console.log("");
@@ -111,8 +124,8 @@ export async function startChat() {
     }
     // Auto-trigger onboarding for new users
     if (isContextEmpty()) {
-        console.log(chalk.cyan("Welcome! Let me review your accounts and help set up your financial profile.\n"));
-        const spinner = ora({ text: "Reviewing your accounts...", color: "cyan", discardStdin: false }).start();
+        console.log(chalk.yellowBright("Welcome! Let me review your accounts and help set up your financial profile.\n"));
+        const spinner = ora({ text: "Reviewing your accounts...", color: "yellow", discardStdin: false }).start();
         try {
             const response = await handleMessage(db, "I just connected my financial accounts. Help me set up my financial profile.");
             spinner.stop();
@@ -120,10 +133,35 @@ export async function startChat() {
         }
         catch (err) {
             spinner.stop();
-            console.error(chalk.red("Error during onboarding: " + err.message));
+            console.error(formatError(err, "Onboarding error"));
+        }
+    }
+    // Background re-sync for recently linked accounts (Plaid backfill can take hours)
+    let bgSyncTimer = null;
+    const oldestAccount = db.prepare(`SELECT MIN(created_at) as ts FROM institutions`).get();
+    if (oldestAccount?.ts) {
+        const ageMs = Date.now() - new Date(oldestAccount.ts + "Z").getTime();
+        if (ageMs < 6 * 60 * 60 * 1000) { // linked within last 6 hours
+            const { runDailySync } = await import("../daily-sync.js");
+            bgSyncTimer = setInterval(async () => {
+                // Silence all output during background sync
+                const origWrite = process.stdout.write;
+                const origErr = process.stderr.write;
+                process.stdout.write = () => true;
+                process.stderr.write = () => true;
+                try {
+                    await runDailySync(db);
+                }
+                catch { }
+                process.stdout.write = origWrite;
+                process.stderr.write = origErr;
+            }, 15 * 60 * 1000); // every 15 minutes
+            bgSyncTimer.unref(); // don't prevent process exit
         }
     }
     const shutdown = () => {
+        if (bgSyncTimer)
+            clearInterval(bgSyncTimer);
         console.log(chalk.dim("\nGoodbye!"));
         process.exit(0);
     };
@@ -159,6 +197,7 @@ export async function startChat() {
         if (syncStr)
             parts.push(syncStr);
         parts.push(hints[hintIdx]);
+        parts.push("ctrl+c to exit");
         hintIdx = (hintIdx + 1) % hints.length;
         return parts.join("  ·  ");
     };
@@ -173,8 +212,14 @@ export async function startChat() {
         console.log(rule);
         const input = await rawReadLine(chalk.dim("❯ "), [rule, footerText]);
         const trimmed = input.trim();
-        if (!trimmed)
+        if (!trimmed) {
+            // Clear the prompt frame (top rule + prompt + bottom rule + footer)
+            process.stdout.write("\x1b[3A\r");
+            for (let i = 0; i < 4; i++)
+                process.stdout.write("\x1b[2K\x1b[1B");
+            process.stdout.write("\x1b[4A\r");
             continue;
+        }
         // Replace prompt frame with gray-background user message
         // Move up 4 lines (footer, bottom rule, prompt, top rule) and clear them
         process.stdout.write("\x1b[4A\r");
@@ -189,15 +234,24 @@ export async function startChat() {
             shutdown();
             break;
         }
-        const spinner = ora({ text: "Thinking...", color: "cyan", discardStdin: false }).start();
+        const spinner = ora({ text: getThinkingText(), color: "cyan", discardStdin: false }).start();
+        const onProgress = ({ phase, toolName, toolCount, elapsedMs }) => {
+            if (phase === "tool" && toolName) {
+                const label = TOOL_LABELS[toolName] || toolName;
+                spinner.text = `${label}... ${chalk.dim(`(${toolCount} ${toolCount === 1 ? "tool" : "tools"}, ${formatDuration(elapsedMs)})`)}`;
+            }
+            else if (phase === "responding" && toolCount > 0) {
+                spinner.text = `Composing response... ${chalk.dim(`(${toolCount} tools, ${formatDuration(elapsedMs)})`)}`;
+            }
+        };
         try {
-            const response = await handleMessage(db, trimmed);
+            const response = await handleMessage(db, trimmed, onProgress);
             spinner.stop();
             console.log(`\n${formatResponse(response)}\n`);
         }
         catch (err) {
             spinner.stop();
-            console.error(chalk.red("Error: " + err.message));
+            console.error(formatError(err));
         }
     }
 }

package/dist/cli/commands.d.ts

@@ -1,5 +1,6 @@
 export declare function runSync(): Promise<void>;
 export declare function runLink(): Promise<void>;
+export declare function showAccounts(): Promise<void>;
 export declare function showStatus(): void;
 export declare function showTransactions(options?: {
     limit?: number;

package/dist/cli/commands.js

@@ -5,17 +5,22 @@ import { getLatestScore, getAchievements, getMonthlySavings } from "../scoring/i
 import { generateAlerts } from "../alerts/index.js";
 import { runDailySync } from "../daily-sync.js";
 import { startLinkServer } from "../server.js";
-import { heading, progressBar, formatMoney, formatMoneyColored, dim } from "./format.js";
+import { heading, progressBar, formatMoney, formatMoneyColored, dim, formatDuration, formatError, renderLogo, institutionName } from "./format.js";
 export async function runSync() {
     const ora = (await import("ora")).default;
     const spinner = ora("Syncing transactions...").start();
+    const startTime = Date.now();
     try {
         const db = getDb();
-        await runDailySync(db);
-        spinner.succeed("Sync complete.");
+        const result = await runDailySync(db);
+        const elapsed = formatDuration(Date.now() - startTime);
+        const parts = [elapsed];
+        if (result.transactionsAdded > 0)
+            parts.push(`${result.transactionsAdded} new transactions`);
+        spinner.succeed(`Sync complete. ${chalk.dim(`(${parts.join(", ")})`)}`);
     }
     catch (err) {
-        spinner.fail(`Sync failed: ${err.message}`);
+        spinner.fail(formatError(err, "Sync failed"));
     }
 }
 export async function runLink() {
@@ -31,6 +36,55 @@ export async function runLink() {
     stop();
     spinner.succeed("Bank account linked successfully!");
 }
+export async function showAccounts() {
+    const db = getDb();
+    const institutions = db.prepare(`SELECT i.name as institution, i.item_id, i.created_at, i.logo, i.primary_color,
+            a.name, a.type, a.subtype, a.mask, a.current_balance, a.currency
+     FROM institutions i
+     LEFT JOIN accounts a ON a.item_id = i.item_id AND a.hidden = 0
+     ORDER BY i.created_at, a.type, a.current_balance DESC`).all();
+    if (institutions.length === 0) {
+        console.log("\nNo accounts linked. Run 'ray link' to connect one.\n");
+        return;
+    }
+    console.log(`\n${heading("Linked Accounts")}\n`);
+    // Group rows by institution
+    const groups = new Map();
+    for (const row of institutions) {
+        const key = row.item_id;
+        if (!groups.has(key))
+            groups.set(key, []);
+        groups.get(key).push(row);
+    }
+    // Compute column widths across all accounts for alignment
+    const allAccounts = institutions.filter(r => r.name);
+    const maxName = Math.max(...allAccounts.map(r => `${r.name}${r.mask ? ` ••${r.mask}` : ""}`.length), 0);
+    const maxLabel = Math.max(...allAccounts.map(r => (r.subtype || r.type || "").length), 0);
+    for (const [, rows] of groups) {
+        const first = rows[0];
+        // Logo inline with institution name
+        let logoStr = "";
+        if (first.logo) {
+            const logo = await renderLogo(first.logo);
+            if (logo)
+                logoStr = logo.replace(/\n/g, "") + " ";
+        }
+        console.log(`${logoStr}${institutionName(first.institution, first.primary_color)}`);
+        for (const row of rows) {
+            if (!row.name) {
+                console.log(dim("  No accounts found"));
+                continue;
+            }
+            const nameWithMask = `${row.name}${row.mask ? ` ••${row.mask}` : ""}`;
+            const label = row.subtype || row.type || "";
+            const balance = row.current_balance != null ? rawFormatMoney(row.current_balance) : "—";
+            const namePad = nameWithMask.padEnd(maxName + 2);
+            const labelPad = label.padEnd(maxLabel + 2);
+            console.log(`  ${namePad}${dim(labelPad)}${balance}`);
+        }
+    }
+    console.log("");
+}
 export function showStatus() {
     const db = getDb();
     const nw = getNetWorth(db);

package/dist/cli/completions.d.ts

@@ -0,0 +1 @@
+export declare function installCompletions(): void;