ray-finance 0.2.5 → 0.3.0

package/dist/cli/commands.d.ts

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

package/dist/cli/commands.js

@@ -5,7 +5,7 @@ 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, formatDuration, formatError } 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();
@@ -36,9 +36,9 @@ export async function runLink() {
     stop();
     spinner.succeed("Bank account linked successfully!");
 }
-export function showAccounts() {
+export async function showAccounts() {
     const db = getDb();
-    const institutions = db.prepare(`SELECT i.name as institution, i.item_id, i.created_at,
+    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
@@ -48,20 +48,40 @@ export function showAccounts() {
         return;
     }
     console.log(`\n${heading("Linked Accounts")}\n`);
-    let currentInst = "";
+    // Group rows by institution
+    const groups = new Map();
     for (const row of institutions) {
-        if (row.institution !== currentInst) {
-            currentInst = row.institution;
-            console.log(chalk.bold(currentInst));
+        const key = row.item_id;
+        if (!groups.has(key))
+            groups.set(key, []);
+        groups.get(key).push(row);
+    }
+    // Compute column widths across all accounts for alignment
+    const allAccounts = institutions.filter(r => r.name);
+    const maxName = Math.max(...allAccounts.map(r => `${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, "") + " ";
         }
-        if (!row.name) {
-            console.log(dim("  No accounts found"));
-            continue;
+        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)}${balance}`);
         }
-        const mask = row.mask ? ` ••${row.mask}` : "";
-        const balance = row.current_balance != null ? rawFormatMoney(row.current_balance) : "—";
-        const label = row.subtype || row.type || "";
-        console.log(`  ${row.name}${dim(mask)}  ${dim(label)}  ${balance}`);
     }
     console.log("");
 }

package/dist/cli/format.d.ts

@@ -27,3 +27,7 @@ export declare function helpScreen(commands: {
 /** Colorize AI response text for the terminal */
 export declare function formatResponse(text: string): string;
 export declare const DISCLAIMER: string;
+/** Render a base64-encoded PNG as compact ANSI art (3 rows) */
+export declare function renderLogo(base64: string): Promise<string>;
+/** Color an institution name using its Plaid primary_color */
+export declare function institutionName(name: string, primaryColor: string | null): string;

package/dist/cli/format.js

@@ -199,3 +199,26 @@ export function formatResponse(text) {
 }
 export const DISCLAIMER = "Ray is an AI tool, not a licensed financial advisor. Output is informational, " +
     "may be inaccurate, and does not constitute financial advice.";
+// ─── Institution Logo Rendering ─── //
+/** Render a base64-encoded PNG as compact ANSI art (3 rows) */
+export async function renderLogo(base64) {
+    try {
+        const terminalImage = (await import("terminal-image")).default;
+        const buffer = Buffer.from(base64, "base64");
+        const rendered = await terminalImage.buffer(buffer, { height: 1, preserveAspectRatio: true });
+        return rendered.trimEnd();
+    }
+    catch {
+        return "";
+    }
+}
+/** Color an institution name using its Plaid primary_color */
+export function institutionName(name, primaryColor) {
+    if (primaryColor) {
+        try {
+            return chalk.hex(primaryColor).bold(name);
+        }
+        catch { }
+    }
+    return chalk.bold(name);
+}

package/dist/cli/index.js

@@ -54,7 +54,7 @@ program
     .action(async () => {
     ensureConfigured();
     const { showAccounts } = await import("./commands.js");
-    showAccounts();
+    await showAccounts();
 });
 program
     .command("status")

package/dist/daily-sync.js

@@ -1,11 +1,12 @@
-import { syncTransactions, syncBalances, syncInvestments, syncLiabilities, syncRecurring, isProductNotSupported, } from "./plaid/sync.js";
+import { syncTransactions, syncBalances, syncInvestments, syncInvestmentTransactions, syncLiabilities, syncRecurring, isProductNotSupported, refreshProducts, } from "./plaid/sync.js";
 import { calculateDailyScore, checkAchievements } from "./scoring/index.js";
 import { decryptPlaidToken } from "./db/encryption.js";
 import { config } from "./config.js";
+import { institutionName } from "./cli/format.js";
 /** Run the daily sync for a single database */
 export async function runDailySync(db) {
     const institutions = db
-        .prepare(`SELECT item_id, access_token, name, products, cursor FROM institutions`)
+        .prepare(`SELECT item_id, access_token, name, products, cursor, primary_color FROM institutions`)
         .all();
     if (institutions.length === 0) {
         console.log("No linked institutions.");
@@ -31,8 +32,15 @@ export async function runDailySync(db) {
             console.error(`  Skipping ${inst.name}: failed to decrypt access token (wrong key or corrupt data)`);
             continue;
         }
-        const products = JSON.parse(inst.products);
-        console.log(`Syncing: ${inst.name} (${products.join(", ")})`);
+        let products = JSON.parse(inst.products);
+        // Refresh products list from Plaid if needed
+        try {
+            products = await refreshProducts(db, inst.item_id, accessToken);
+        }
+        catch {
+            // Non-fatal — use stored products
+        }
+        console.log(`Syncing: ${institutionName(inst.name, inst.primary_color)} (${products.join(", ")})`);
         try {
             instSynced++;
             // Always sync balances
@@ -45,22 +53,34 @@ export async function runDailySync(db) {
                 console.log(`  Transactions: +${txResult.added} ~${txResult.modified} -${txResult.removed}`);
             }
             // Sync investments
-            try {
-                const invResult = await syncInvestments(db, accessToken);
-                console.log(`  Investments: ${invResult.holdings} holdings, ${invResult.securities} securities`);
-            }
-            catch (e) {
-                if (!isProductNotSupported(e))
-                    console.error(`  Investments error: ${e.message}`);
+            if (products.includes("investments")) {
+                try {
+                    const invResult = await syncInvestments(db, accessToken);
+                    console.log(`  Investments: ${invResult.holdings} holdings, ${invResult.securities} securities`);
+                }
+                catch (e) {
+                    if (!isProductNotSupported(e))
+                        console.error(`  Investments error: ${e.message}`);
+                }
+                try {
+                    const invTxResult = await syncInvestmentTransactions(db, accessToken);
+                    console.log(`  Investment transactions: ${invTxResult.transactions}`);
+                }
+                catch (e) {
+                    if (!isProductNotSupported(e))
+                        console.error(`  Investment transactions error: ${e.message}`);
+                }
             }
             // Sync liabilities
-            try {
-                await syncLiabilities(db, accessToken);
-                console.log(`  Liabilities: synced`);
-            }
-            catch (e) {
-                if (!isProductNotSupported(e))
-                    console.error(`  Liabilities error: ${e.message}`);
+            if (products.includes("liabilities")) {
+                try {
+                    await syncLiabilities(db, accessToken);
+                    console.log(`  Liabilities: synced`);
+                }
+                catch (e) {
+                    if (!isProductNotSupported(e))
+                        console.error(`  Liabilities error: ${e.message}`);
+                }
             }
             // Sync recurring transaction streams
             if (products.includes("transactions")) {

package/dist/db/schema.js

@@ -189,6 +189,22 @@ export function migrate(db) {
       created_at TEXT DEFAULT (datetime('now'))
     );
 
+    CREATE TABLE IF NOT EXISTS investment_transactions (
+      investment_transaction_id TEXT PRIMARY KEY,
+      account_id TEXT NOT NULL REFERENCES accounts(account_id),
+      security_id TEXT,
+      date TEXT NOT NULL,
+      name TEXT NOT NULL,
+      quantity REAL,
+      amount REAL NOT NULL,
+      price REAL,
+      fees REAL,
+      type TEXT,
+      subtype TEXT,
+      iso_currency_code TEXT,
+      created_at TEXT DEFAULT (datetime('now'))
+    );
+
     CREATE TABLE IF NOT EXISTS ai_audit_log (
       id INTEGER PRIMARY KEY AUTOINCREMENT,
       tool_name TEXT NOT NULL,
@@ -198,11 +214,48 @@ export function migrate(db) {
       created_at TEXT DEFAULT (datetime('now'))
     );
   `);
+    // Migrate: add logo and primary_color to institutions
+    const instCols = db.prepare(`PRAGMA table_info(institutions)`).all();
+    if (!instCols.some(c => c.name === "logo")) {
+        db.exec(`ALTER TABLE institutions ADD COLUMN logo TEXT`);
+        db.exec(`ALTER TABLE institutions ADD COLUMN primary_color TEXT`);
+    }
     // Migrate: rename goals.deadline -> target_date for existing databases
     const goalCols = db.prepare(`PRAGMA table_info(goals)`).all();
     if (goalCols.some(c => c.name === "deadline") && !goalCols.some(c => c.name === "target_date")) {
         db.exec(`ALTER TABLE goals RENAME COLUMN deadline TO target_date`);
     }
+    // Migrate: add balance_limit to accounts
+    const acctCols = db.prepare(`PRAGMA table_info(accounts)`).all();
+    if (!acctCols.some(c => c.name === "balance_limit")) {
+        db.exec(`ALTER TABLE accounts ADD COLUMN balance_limit REAL`);
+    }
+    // Migrate: add vesting columns to holdings
+    const holdCols = db.prepare(`PRAGMA table_info(holdings)`).all();
+    if (!holdCols.some(c => c.name === "vested_value")) {
+        db.exec(`ALTER TABLE holdings ADD COLUMN vested_value REAL`);
+        db.exec(`ALTER TABLE holdings ADD COLUMN vested_quantity REAL`);
+    }
+    // Migrate: expand liabilities with type-specific columns
+    const liabCols = db.prepare(`PRAGMA table_info(liabilities)`).all();
+    if (!liabCols.some(c => c.name === "last_payment_amount")) {
+        db.exec(`ALTER TABLE liabilities ADD COLUMN last_payment_amount REAL`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN last_payment_date TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN credit_limit REAL`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN last_statement_issue_date TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN is_overdue INTEGER`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN apr_type TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN maturity_date TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN loan_type TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN property_address TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN escrow_balance REAL`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN loan_status TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN loan_name TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN repayment_plan TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN expected_payoff_date TEXT`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN ytd_interest_paid REAL`);
+        db.exec(`ALTER TABLE liabilities ADD COLUMN ytd_principal_paid REAL`);
+    }
     // Migrate: rebuild recurring table to use Plaid stream schema
     const recCols = db.prepare(`PRAGMA table_info(recurring)`).all();
     if (!recCols.some(c => c.name === "stream_id")) {

package/dist/plaid/sync.d.ts

@@ -2,6 +2,8 @@ import type BetterSqlite3 from "libsql";
 type Database = BetterSqlite3.Database;
 /** Check if a Plaid API error is "product not supported/enabled" — safe to ignore */
 export declare function isProductNotSupported(err: unknown): boolean;
+/** Refresh the stored products list and fetch logo if missing */
+export declare function refreshProducts(db: Database, itemId: string, accessToken: string): Promise<string[]>;
 /** Sync transactions for an institution using Plaid's sync endpoint */
 export declare function syncTransactions(db: Database, itemId: string, accessToken: string, cursor: string | null): Promise<{
     added: number;
@@ -20,6 +22,10 @@ export declare function syncRecurring(db: Database, accessToken: string): Promis
     outflows: number;
     inflows: number;
 }>;
+/** Sync investment transactions (buy/sell/dividend history) */
+export declare function syncInvestmentTransactions(db: Database, accessToken: string): Promise<{
+    transactions: number;
+}>;
 /** Sync liabilities (credit, mortgage, student) */
 export declare function syncLiabilities(db: Database, accessToken: string): Promise<string>;
 export {};

package/dist/plaid/sync.js

@@ -1,4 +1,5 @@
 import { plaidClient } from "./client.js";
+import { CountryCode } from "plaid";
 /** Check if a Plaid API error is "product not supported/enabled" — safe to ignore */
 export function isProductNotSupported(err) {
     const data = err?.response?.data;
@@ -10,8 +11,31 @@ export function isProductNotSupported(err) {
         "PRODUCTS_NOT_ENABLED",
         "NO_ACCOUNTS",
         "PRODUCT_NOT_AVAILABLE",
+        "INVALID_PRODUCT",
+        "UNAUTHORIZED_PRODUCT",
     ].includes(data.error_code);
 }
+/** Refresh the stored products list and fetch logo if missing */
+export async function refreshProducts(db, itemId, accessToken) {
+    const resp = await plaidClient.itemGet({ access_token: accessToken });
+    const products = resp.data.item.products || [];
+    db.prepare(`UPDATE institutions SET products = ? WHERE item_id = ?`).run(JSON.stringify(products), itemId);
+    // Fetch logo + primary_color if not already stored
+    const inst = db.prepare(`SELECT logo FROM institutions WHERE item_id = ?`).get(itemId);
+    if (!inst?.logo && resp.data.item.institution_id) {
+        try {
+            const { data } = await plaidClient.institutionsGetById({
+                institution_id: resp.data.item.institution_id,
+                country_codes: [CountryCode.Us],
+                options: { include_optional_metadata: true },
+            });
+            db.prepare(`UPDATE institutions SET logo = ?, primary_color = ? WHERE item_id = ?`)
+                .run(data.institution.logo || null, data.institution.primary_color || null, itemId);
+        }
+        catch { }
+    }
+    return products;
+}
 /** Sync transactions for an institution using Plaid's sync endpoint */
 export async function syncTransactions(db, itemId, accessToken, cursor) {
     let hasMore = true;
@@ -31,13 +55,14 @@ export async function syncTransactions(db, itemId, accessToken, cursor) {
         nextCursor = resp.data.next_cursor;
     }
     const upsertTx = db.prepare(`
-    INSERT INTO transactions (transaction_id, account_id, amount, date, name, merchant_name, category, subcategory, pending, iso_currency_code, payment_channel)
-    VALUES (@transaction_id, @account_id, @amount, @date, @name, @merchant_name, @category, @subcategory, @pending, @iso_currency_code, @payment_channel)
+    INSERT INTO transactions (transaction_id, account_id, amount, date, name, merchant_name, category, subcategory, pending, iso_currency_code, payment_channel, logo_url, website)
+    VALUES (@transaction_id, @account_id, @amount, @date, @name, @merchant_name, @category, @subcategory, @pending, @iso_currency_code, @payment_channel, @logo_url, @website)
     ON CONFLICT(transaction_id) DO UPDATE SET
       amount=excluded.amount, date=excluded.date, name=excluded.name,
       merchant_name=excluded.merchant_name, category=excluded.category,
       subcategory=excluded.subcategory, pending=excluded.pending,
-      payment_channel=excluded.payment_channel
+      payment_channel=excluded.payment_channel, logo_url=excluded.logo_url,
+      website=excluded.website
   `);
     const deleteTx = db.prepare(`DELETE FROM transactions WHERE transaction_id = ?`);
     const insertMany = db.transaction(() => {
@@ -55,6 +80,8 @@ export async function syncTransactions(db, itemId, accessToken, cursor) {
                 pending: t.pending ? 1 : 0,
                 iso_currency_code: t.iso_currency_code || "USD",
                 payment_channel: t.payment_channel || null,
+                logo_url: t.logo_url || null,
+                website: t.website || null,
             });
         }
         for (const r of removed) {
@@ -70,12 +97,12 @@ export async function syncTransactions(db, itemId, accessToken, cursor) {
 export async function syncBalances(db, accessToken) {
     const resp = await plaidClient.accountsGet({ access_token: accessToken });
     const upsert = db.prepare(`
-    INSERT INTO accounts (account_id, item_id, name, official_name, type, subtype, mask, current_balance, available_balance, currency, updated_at)
-    VALUES (@account_id, @item_id, @name, @official_name, @type, @subtype, @mask, @current_balance, @available_balance, @currency, datetime('now'))
+    INSERT INTO accounts (account_id, item_id, name, official_name, type, subtype, mask, current_balance, available_balance, balance_limit, currency, updated_at)
+    VALUES (@account_id, @item_id, @name, @official_name, @type, @subtype, @mask, @current_balance, @available_balance, @balance_limit, @currency, datetime('now'))
     ON CONFLICT(account_id) DO UPDATE SET
       name=excluded.name, official_name=excluded.official_name,
       current_balance=excluded.current_balance, available_balance=excluded.available_balance,
-      updated_at=datetime('now')
+      balance_limit=excluded.balance_limit, updated_at=datetime('now')
   `);
     const itemId = resp.data.item.item_id;
     const insertMany = db.transaction(() => {
@@ -90,6 +117,7 @@ export async function syncBalances(db, accessToken) {
                 mask: a.mask || null,
                 current_balance: a.balances.current,
                 available_balance: a.balances.available,
+                balance_limit: a.balances.limit ?? null,
                 currency: a.balances.iso_currency_code || "USD",
             });
         }
@@ -109,12 +137,13 @@ export async function syncInvestments(db, accessToken) {
       close_price=excluded.close_price, close_price_as_of=excluded.close_price_as_of
   `);
     const upsertHolding = db.prepare(`
-    INSERT INTO holdings (account_id, security_id, quantity, cost_basis, value, price, price_as_of, updated_at)
-    VALUES (@account_id, @security_id, @quantity, @cost_basis, @value, @price, @price_as_of, datetime('now'))
+    INSERT INTO holdings (account_id, security_id, quantity, cost_basis, value, price, price_as_of, vested_value, vested_quantity, updated_at)
+    VALUES (@account_id, @security_id, @quantity, @cost_basis, @value, @price, @price_as_of, @vested_value, @vested_quantity, datetime('now'))
     ON CONFLICT(account_id, security_id) DO UPDATE SET
       quantity=excluded.quantity, cost_basis=excluded.cost_basis,
       value=excluded.value, price=excluded.price,
-      price_as_of=excluded.price_as_of, updated_at=datetime('now')
+      price_as_of=excluded.price_as_of, vested_value=excluded.vested_value,
+      vested_quantity=excluded.vested_quantity, updated_at=datetime('now')
   `);
     const insertMany = db.transaction(() => {
         for (const s of resp.data.securities) {
@@ -136,6 +165,8 @@ export async function syncInvestments(db, accessToken) {
                 value: h.institution_value,
                 price: h.institution_price,
                 price_as_of: h.institution_price_as_of || null,
+                vested_value: h.vested_value ?? null,
+                vested_quantity: h.vested_quantity ?? null,
             });
         }
     });
@@ -194,15 +225,94 @@ export async function syncRecurring(db, accessToken) {
         inflows: resp.data.inflow_streams.length,
     };
 }
+/** Sync investment transactions (buy/sell/dividend history) */
+export async function syncInvestmentTransactions(db, accessToken) {
+    const now = new Date();
+    const startDate = new Date(now.getTime() - 30 * 24 * 60 * 60 * 1000)
+        .toISOString().slice(0, 10);
+    const endDate = now.toISOString().slice(0, 10);
+    let offset = 0;
+    const count = 500;
+    let totalFetched = 0;
+    const upsertSecurity = db.prepare(`
+    INSERT INTO securities (security_id, ticker, name, type, close_price, close_price_as_of)
+    VALUES (@security_id, @ticker, @name, @type, @close_price, @close_price_as_of)
+    ON CONFLICT(security_id) DO UPDATE SET
+      close_price=excluded.close_price, close_price_as_of=excluded.close_price_as_of
+  `);
+    const upsertTx = db.prepare(`
+    INSERT INTO investment_transactions (investment_transaction_id, account_id, security_id, date, name, quantity, amount, price, fees, type, subtype, iso_currency_code)
+    VALUES (@investment_transaction_id, @account_id, @security_id, @date, @name, @quantity, @amount, @price, @fees, @type, @subtype, @iso_currency_code)
+    ON CONFLICT(investment_transaction_id) DO UPDATE SET
+      amount=excluded.amount, quantity=excluded.quantity, price=excluded.price,
+      fees=excluded.fees, name=excluded.name
+  `);
+    while (true) {
+        const resp = await plaidClient.investmentsTransactionsGet({
+            access_token: accessToken,
+            start_date: startDate,
+            end_date: endDate,
+            options: { offset, count },
+        });
+        const batch = db.transaction(() => {
+            for (const s of resp.data.securities) {
+                upsertSecurity.run({
+                    security_id: s.security_id,
+                    ticker: s.ticker_symbol || null,
+                    name: s.name || "Unknown",
+                    type: s.type || null,
+                    close_price: s.close_price || null,
+                    close_price_as_of: s.close_price_as_of || null,
+                });
+            }
+            for (const t of resp.data.investment_transactions) {
+                upsertTx.run({
+                    investment_transaction_id: t.investment_transaction_id,
+                    account_id: t.account_id,
+                    security_id: t.security_id || null,
+                    date: t.date,
+                    name: t.name,
+                    quantity: t.quantity,
+                    amount: t.amount,
+                    price: t.price,
+                    fees: t.fees || null,
+                    type: t.type || null,
+                    subtype: t.subtype || null,
+                    iso_currency_code: t.iso_currency_code || null,
+                });
+            }
+        });
+        batch();
+        totalFetched += resp.data.investment_transactions.length;
+        if (totalFetched >= resp.data.total_investment_transactions)
+            break;
+        offset += count;
+    }
+    return { transactions: totalFetched };
+}
 /** Sync liabilities (credit, mortgage, student) */
 export async function syncLiabilities(db, accessToken) {
     const resp = await plaidClient.liabilitiesGet({ access_token: accessToken });
     const upsert = db.prepare(`
-    INSERT INTO liabilities (account_id, type, interest_rate, origination_date, original_balance, current_balance, minimum_payment, next_payment_due, updated_at)
-    VALUES (@account_id, @type, @interest_rate, @origination_date, @original_balance, @current_balance, @minimum_payment, @next_payment_due, datetime('now'))
+    INSERT INTO liabilities (account_id, type, interest_rate, origination_date, original_balance, current_balance, minimum_payment, next_payment_due,
+      last_payment_amount, last_payment_date, credit_limit, last_statement_issue_date, is_overdue, apr_type,
+      maturity_date, loan_type, property_address, escrow_balance,
+      loan_status, loan_name, repayment_plan, expected_payoff_date, ytd_interest_paid, ytd_principal_paid, updated_at)
+    VALUES (@account_id, @type, @interest_rate, @origination_date, @original_balance, @current_balance, @minimum_payment, @next_payment_due,
+      @last_payment_amount, @last_payment_date, @credit_limit, @last_statement_issue_date, @is_overdue, @apr_type,
+      @maturity_date, @loan_type, @property_address, @escrow_balance,
+      @loan_status, @loan_name, @repayment_plan, @expected_payoff_date, @ytd_interest_paid, @ytd_principal_paid, datetime('now'))
     ON CONFLICT(account_id, type) DO UPDATE SET
       interest_rate=excluded.interest_rate, current_balance=excluded.current_balance,
       minimum_payment=excluded.minimum_payment, next_payment_due=excluded.next_payment_due,
+      last_payment_amount=excluded.last_payment_amount, last_payment_date=excluded.last_payment_date,
+      credit_limit=excluded.credit_limit, last_statement_issue_date=excluded.last_statement_issue_date,
+      is_overdue=excluded.is_overdue, apr_type=excluded.apr_type,
+      maturity_date=excluded.maturity_date, loan_type=excluded.loan_type,
+      property_address=excluded.property_address, escrow_balance=excluded.escrow_balance,
+      loan_status=excluded.loan_status, loan_name=excluded.loan_name,
+      repayment_plan=excluded.repayment_plan, expected_payoff_date=excluded.expected_payoff_date,
+      ytd_interest_paid=excluded.ytd_interest_paid, ytd_principal_paid=excluded.ytd_principal_paid,
       updated_at=datetime('now')
   `);
     const insertMany = db.transaction(() => {
@@ -217,6 +327,22 @@ export async function syncLiabilities(db, accessToken) {
                 current_balance: c.last_statement_balance,
                 minimum_payment: c.minimum_payment_amount,
                 next_payment_due: c.next_payment_due_date || null,
+                last_payment_amount: c.last_payment_amount || null,
+                last_payment_date: c.last_payment_date || null,
+                credit_limit: null, // comes from accounts.balance_limit
+                last_statement_issue_date: c.last_statement_issue_date || null,
+                is_overdue: c.is_overdue ? 1 : 0,
+                apr_type: c.aprs?.[0]?.apr_type || null,
+                maturity_date: null,
+                loan_type: null,
+                property_address: null,
+                escrow_balance: null,
+                loan_status: null,
+                loan_name: null,
+                repayment_plan: null,
+                expected_payoff_date: null,
+                ytd_interest_paid: null,
+                ytd_principal_paid: null,
             });
         }
         const mortgage = resp.data.liabilities.mortgage || [];
@@ -227,9 +353,25 @@ export async function syncLiabilities(db, accessToken) {
                 interest_rate: m.interest_rate?.percentage || null,
                 origination_date: m.origination_date || null,
                 original_balance: m.origination_principal_amount || null,
-                current_balance: m.last_payment_amount || null,
+                current_balance: null, // actual balance in accounts.current_balance
                 minimum_payment: m.last_payment_amount || null,
                 next_payment_due: m.next_payment_due_date || null,
+                last_payment_amount: m.last_payment_amount || null,
+                last_payment_date: m.last_payment_date || null,
+                credit_limit: null,
+                last_statement_issue_date: null,
+                is_overdue: null,
+                apr_type: null,
+                maturity_date: m.maturity_date || null,
+                loan_type: m.loan_type_description || null,
+                property_address: m.property_address ? JSON.stringify(m.property_address) : null,
+                escrow_balance: m.escrow_balance || null,
+                loan_status: null,
+                loan_name: null,
+                repayment_plan: null,
+                expected_payoff_date: null,
+                ytd_interest_paid: null,
+                ytd_principal_paid: null,
             });
         }
         const student = resp.data.liabilities.student || [];
@@ -240,9 +382,25 @@ export async function syncLiabilities(db, accessToken) {
                 interest_rate: s.interest_rate_percentage || null,
                 origination_date: s.origination_date || null,
                 original_balance: s.origination_principal_amount || null,
-                current_balance: s.last_payment_amount || null,
+                current_balance: null, // actual balance in accounts.current_balance
                 minimum_payment: s.minimum_payment_amount || null,
                 next_payment_due: s.next_payment_due_date || null,
+                last_payment_amount: s.last_payment_amount || null,
+                last_payment_date: s.last_payment_date || null,
+                credit_limit: null,
+                last_statement_issue_date: null,
+                is_overdue: null,
+                apr_type: null,
+                maturity_date: null,
+                loan_type: null,
+                property_address: null,
+                escrow_balance: null,
+                loan_status: s.loan_status?.type || null,
+                loan_name: s.loan_name || null,
+                repayment_plan: s.repayment_plan?.description || null,
+                expected_payoff_date: s.expected_payoff_date || null,
+                ytd_interest_paid: s.ytd_interest_paid || null,
+                ytd_principal_paid: s.ytd_principal_paid || null,
             });
         }
     });

package/dist/public/link.html

@@ -8,48 +8,63 @@
   <style>
     * { margin: 0; padding: 0; box-sizing: border-box; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
     body {
-      font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
-      background: #fafaf9;
-      color: #1c1917;
+      font-family: 'SF Mono', SFMono-Regular, ui-monospace, 'DejaVu Sans Mono', Menlo, Consolas, monospace;
+      background: #202023;
+      color: #ffffff;
       display: flex;
+      flex-direction: column;
       align-items: center;
       justify-content: center;
       min-height: 100vh;
       padding: 24px;
     }
-    .card {
-      background: #fff;
-      border: 1px solid rgba(214, 211, 209, 0.6);
-      border-radius: 16px;
-      padding: 48px 40px;
+    .top-logo {
+      position: absolute;
+      top: 32px;
+      left: 50%;
+      transform: translateX(-50%);
+    }
+    .top-logo img { height: 20px; filter: invert(1); }
+    .container {
+      text-align: center;
       max-width: 400px;
       width: 100%;
-      text-align: center;
     }
-    .logo { margin-bottom: 32px; }
-    .logo img { height: 24px; }
-    h1 { font-size: 20px; font-weight: 600; margin-bottom: 8px; color: #1c1917; }
-    p { font-size: 15px; color: #78716c; margin-bottom: 24px; line-height: 1.6; }
+    .trust {
+      position: absolute;
+      bottom: 28px;
+      left: 50%;
+      transform: translateX(-50%);
+      display: flex;
+      align-items: center;
+      gap: 6px;
+      color: #4a4a4f;
+      font-size: 11px;
+    }
+    .trust svg { width: 12px; height: 12px; stroke: #4a4a4f; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
+    h1 { font-size: 16px; font-weight: 500; margin-bottom: 8px; color: #ffffff; letter-spacing: -0.01em; }
+    p { font-size: 13px; color: #9c9da1; margin-bottom: 24px; line-height: 1.6; }
     button {
-      background: #1c1917;
-      color: #fff;
+      background: #ffffff;
+      color: #202023;
       border: none;
-      padding: 14px 32px;
-      border-radius: 9999px;
-      font-size: 15px;
+      padding: 12px 28px;
+      border-radius: 6px;
+      font-size: 13px;
       font-weight: 500;
+      font-family: inherit;
       cursor: pointer;
       width: 100%;
-      transition: background 0.2s;
+      transition: opacity 0.2s;
     }
-    button:hover { background: #292524; }
-    button:disabled { background: #d6d3d1; cursor: not-allowed; }
-    .success { color: #6ab318; font-weight: 600; }
-    .error { color: #dc3545; font-size: 14px; margin-top: 16px; }
+    button:hover { opacity: 0.85; }
+    button:disabled { opacity: 0.3; cursor: not-allowed; }
+    .success { color: #34d399; font-weight: 500; }
+    .error { color: #f87171; font-size: 13px; margin-top: 16px; }
     .checkmark {
-      width: 48px;
-      height: 48px;
-      border: 2.5px solid #6ab318;
+      width: 40px;
+      height: 40px;
+      border: 2px solid #34d399;
       border-radius: 50%;
       display: flex;
       align-items: center;
@@ -57,39 +72,40 @@
       margin: 0 auto 20px;
     }
     .checkmark svg {
-      width: 24px;
-      height: 24px;
-      stroke: #6ab318;
+      width: 20px;
+      height: 20px;
+      stroke: #34d399;
       fill: none;
       stroke-width: 2.5;
       stroke-linecap: round;
       stroke-linejoin: round;
     }
     .institution-logo {
-      width: 64px;
-      height: 64px;
-      border-radius: 16px;
+      width: 48px;
+      height: 48px;
+      border-radius: 10px;
       object-fit: contain;
       margin-bottom: 16px;
     }
     .spinner {
       display: inline-block;
-      width: 20px;
-      height: 20px;
-      border: 2px solid #d6d3d1;
-      border-top-color: #78716c;
+      width: 24px;
+      height: 24px;
+      border: 2px solid rgba(255, 255, 255, 0.1);
+      border-top-color: #9c9da1;
       border-radius: 50%;
-      animation: spin 0.6s linear infinite;
-      margin-bottom: 16px;
+      animation: spin 0.8s linear infinite;
+      margin-bottom: 20px;
     }
     @keyframes spin { to { transform: rotate(360deg); } }
   </style>
 </head>
 <body>
-  <div class="card">
-    <div class="logo"><img src="/ray-logo-dark.png" alt="Ray"></div>
+  <div class="top-logo"><img src="/ray-logo-dark.png" alt="Ray"></div>
+  <div class="container">
     <div id="connect-view">
       <div class="spinner"></div>
+      <h1>Connecting</h1>
       <p>Opening Plaid...</p>
       <div id="error" class="error" style="display:none"></div>
     </div>
@@ -97,9 +113,13 @@
       <div class="checkmark"><svg viewBox="0 0 24 24"><polyline points="4 12 10 18 20 6"/></svg></div>
       <img id="institution-logo" class="institution-logo" style="display:none" alt="">
       <h1 class="success" id="success-title">Account Connected</h1>
-      <p>Your account has been linked and your transactions are syncing. All data is stored locally on your machine and never leaves your device. You can close this page and return to your terminal.</p>
+      <p>Syncing transactions. Data stays on your machine. You can close this page.</p>
     </div>
   </div>
+  <div class="trust">
+    <svg viewBox="0 0 24 24"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg>
+    <span>End-to-end encrypted</span>
+  </div>
 
   <script src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"></script>
   <script>
@@ -132,7 +152,7 @@
         linkHandler = Plaid.create({
           token: link_token,
           onSuccess: async (publicToken, metadata) => {
-            document.getElementById('connect-view').innerHTML = '<p>Linking your account...</p>';
+            document.getElementById('connect-view').innerHTML = '<div class="spinner"></div><h1>Linking</h1><p>Exchanging credentials...</p>';
             try {
               const resp = await fetch('/api/exchange', {
                 method: 'POST',
@@ -162,11 +182,12 @@
             }
           },
           onExit: (err) => {
+            document.getElementById('connect-view').style.display = 'block';
             if (err) showError('Connection cancelled. You can try again.');
           },
         });
-        // Auto-open Plaid Link
         linkHandler.open();
+        document.getElementById('connect-view').style.display = 'none';
       } catch (e) {
         showError(e.message || 'This link has expired. Please run "ray link" again.');
       }

package/dist/server.js

@@ -3,7 +3,7 @@ import { fileURLToPath } from "url";
 import { dirname, resolve } from "path";
 import { randomUUID } from "crypto";
 import { createLinkToken, exchangeToken } from "./plaid/link.js";
-import { syncBalances, syncTransactions, syncInvestments, syncLiabilities, syncRecurring, isProductNotSupported } from "./plaid/sync.js";
+import { syncBalances, syncTransactions, syncInvestments, syncInvestmentTransactions, syncLiabilities, syncRecurring, isProductNotSupported } from "./plaid/sync.js";
 import { plaidClient } from "./plaid/client.js";
 import { CountryCode } from "plaid";
 import { encryptPlaidToken } from "./db/encryption.js";
@@ -94,33 +94,51 @@ export function startLinkServer() {
                 return;
             }
             const encryptedToken = encryptPlaidToken(accessToken, config.plaidTokenSecret);
+            // Fetch actual enabled products from Plaid
+            const itemResp = await plaidClient.itemGet({ access_token: accessToken });
+            const products = (itemResp.data.item.products || []);
             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", "investments", "liabilities"]));
+         ON CONFLICT(item_id) DO UPDATE SET access_token = excluded.access_token, products = excluded.products`).run(itemId, encryptedToken, institution_name || "Account", JSON.stringify(products));
             // 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 syncInvestments(db, accessToken);
-                }
-                catch (e) {
-                    if (!isProductNotSupported(e))
-                        throw e;
+                if (products.includes("transactions")) {
+                    await syncTransactions(db, itemId, accessToken, null);
                 }
-                try {
-                    await syncLiabilities(db, accessToken);
-                }
-                catch (e) {
-                    if (!isProductNotSupported(e))
-                        throw e;
+                if (products.includes("investments")) {
+                    try {
+                        await syncInvestments(db, accessToken);
+                    }
+                    catch (e) {
+                        if (!isProductNotSupported(e))
+                            throw e;
+                    }
+                    try {
+                        await syncInvestmentTransactions(db, accessToken);
+                    }
+                    catch (e) {
+                        if (!isProductNotSupported(e))
+                            throw e;
+                    }
                 }
-                try {
-                    await syncRecurring(db, accessToken);
+                if (products.includes("liabilities")) {
+                    try {
+                        await syncLiabilities(db, accessToken);
+                    }
+                    catch (e) {
+                        if (!isProductNotSupported(e))
+                            throw e;
+                    }
                 }
-                catch (e) {
-                    if (!isProductNotSupported(e))
-                        throw e;
+                if (products.includes("transactions")) {
+                    try {
+                        await syncRecurring(db, accessToken);
+                    }
+                    catch (e) {
+                        if (!isProductNotSupported(e))
+                            throw e;
+                    }
                 }
             };
             try {
@@ -149,7 +167,7 @@ export function startLinkServer() {
                     }
                 }, 30_000);
             }
-            // Fetch institution logo
+            // Fetch and store institution logo + brand color
             let institutionLogo = null;
             if (req.body.institution_id) {
                 try {
@@ -159,6 +177,9 @@ export function startLinkServer() {
                         options: { include_optional_metadata: true },
                     });
                     institutionLogo = data.institution.logo || null;
+                    const primaryColor = data.institution.primary_color || null;
+                    db.prepare(`UPDATE institutions SET logo = ?, primary_color = ? WHERE item_id = ?`)
+                        .run(institutionLogo, primaryColor, itemId);
                 }
                 catch { }
             }

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.2.5",
+  "version": "0.3.0",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",
@@ -39,15 +39,16 @@
   },
   "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",
+    "libsql": "^0.5.0",
     "open": "^10.0.0",
     "ora": "^8.0.0",
-    "plaid": "^28.0.0"
+    "plaid": "^28.0.0",
+    "terminal-image": "^4.2.0"
   },
   "devDependencies": {
     "@types/better-sqlite3": "^7.6.0",