accounted/extensions/general/enable-banking/lib/__tests__/sync.test.ts

import { describe, it, expect, vi, beforeEach } from 'vitest'

// Mock api-client
const mockGetAllTransactionsWithRaw = vi.fn()
const mockConvertTransaction = vi.fn()
const mockGetAccountBalance = vi.fn()
vi.mock('../api-client', () => ({
  getAllTransactionsWithRaw: (...args: unknown[]) => mockGetAllTransactionsWithRaw(...args),
  convertTransaction: (...args: unknown[]) => mockConvertTransaction(...args),
  getAccountBalance: (...args: unknown[]) => mockGetAccountBalance(...args),
}))

// Mock document service
const mockUploadDocument = vi.fn()
vi.mock('@/lib/core/documents/document-service', () => ({
  uploadDocument: (...args: unknown[]) => mockUploadDocument(...args),
}))

// Mock ingest
const mockIngest = vi.fn()

import { syncAccountTransactions } from '../sync'
import type { StoredAccount } from '../../types'

const USER_ID = 'user-1'
const COMPANY_ID = 'company-1'
const CONNECTION_ID = 'conn-1'

function makeAccount(overrides: Partial<StoredAccount> = {}): StoredAccount {
  return {
    uid: 'acc-uid-1',
    currency: 'SEK',
    ...overrides,
  }
}

describe('syncAccountTransactions', () => {
  beforeEach(() => {
    vi.clearAllMocks()
    mockGetAccountBalance.mockRejectedValue(new Error('skip'))
    mockIngest.mockResolvedValue({ imported: 1, duplicates: 0, errors: 0, reconciled: 0, auto_categorized: 0, auto_matched_invoices: 0, transaction_ids: ['tx-1'] })
  })

  it('calls uploadDocument for each raw page with correct filename pattern', async () => {
    const rawPage1 = JSON.stringify({ transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' } }] })
    const rawPage2 = JSON.stringify({ transactions: [{ transaction_amount: { amount: '200', currency: 'SEK' } }] })

    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [
        { transaction_amount: { amount: '100', currency: 'SEK' } },
        { transaction_amount: { amount: '200', currency: 'SEK' } },
      ],
      rawPages: [rawPage1, rawPage2],
    })

    mockConvertTransaction.mockImplementation((tx: { transaction_amount: { amount: string } }) => ({
      id: `tx-${tx.transaction_amount.amount}`,
      date: '2024-06-15',
      booking_date: '2024-06-15',
      amount: parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'Test',
    }))

    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const account = makeAccount()
    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2024-01-01',
      '2024-12-31',
      mockIngest
    )

    expect(mockUploadDocument).toHaveBeenCalledTimes(2)

    // Verify filename pattern
    const firstCall = mockUploadDocument.mock.calls[0]
    expect(firstCall[3].name).toMatch(/^psd2-response_conn-1_acc-uid-1_.*_p1\.json$/)
    expect(firstCall[3].type).toBe('application/json')
    expect(firstCall[4]).toEqual({ upload_source: 'api' })

    const secondCall = mockUploadDocument.mock.calls[1]
    expect(secondCall[3].name).toMatch(/^psd2-response_conn-1_acc-uid-1_.*_p2\.json$/)
  })

  it('completes sync even if uploadDocument throws', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' } }],
      rawPages: ['{"transactions":[]}'],
    })

    mockConvertTransaction.mockReturnValue({
      id: 'tx-1',
      date: '2024-06-15',
      booking_date: '2024-06-15',
      amount: 100,
      currency: 'SEK',
      description: 'Test',
    })

    mockUploadDocument.mockRejectedValue(new Error('Storage error'))

    const errorSpy = vi.spyOn(console, 'error').mockImplementation(() => {})

    const account = makeAccount()
    const result = await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2024-01-01',
      '2024-12-31',
      mockIngest
    )

    expect(result.imported).toBe(1)
    expect(result.errors).toBe(0)
    expect(errorSpy).toHaveBeenCalledWith(
      expect.stringContaining('Failed to archive raw response'),
      expect.any(Error)
    )

    errorSpy.mockRestore()
  })

  it('forwards strategy from sync options to getAllTransactionsWithRaw', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [],
      rawPages: ['{}'],
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      makeAccount(),
      '2024-01-01',
      '2024-12-31',
      mockIngest,
      { strategy: 'longest' }
    )

    expect(mockGetAllTransactionsWithRaw).toHaveBeenCalledWith(
      'acc-uid-1',
      '2024-01-01',
      '2024-12-31',
      'longest'
    )
  })

  it('omits strategy when sync options do not include it', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [],
      rawPages: ['{}'],
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      makeAccount(),
      '2024-01-01',
      '2024-12-31',
      mockIngest
    )

    expect(mockGetAllTransactionsWithRaw).toHaveBeenCalledWith(
      'acc-uid-1',
      '2024-01-01',
      '2024-12-31',
      undefined
    )
  })

  it('passes raw transactions to ingest function', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '500', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })

    mockConvertTransaction.mockReturnValue({
      id: 'tx-500',
      date: '2024-06-15',
      booking_date: '2024-06-15',
      amount: -500,
      currency: 'SEK',
      description: 'Purchase',
      counterparty_name: 'Store',
      merchant_category_code: '5411',
    })

    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const account = makeAccount()
    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2024-01-01',
      '2024-12-31',
      mockIngest
    )

    expect(mockIngest).toHaveBeenCalledTimes(1)
    const rawTxns = mockIngest.mock.calls[0][3]
    expect(rawTxns).toHaveLength(1)
    // Content-derived external_id: eb_{accountScope}_{date}_{öre}_{occurrence}.
    // Deliberately NOT keyed off the bank's (unstable) tx id.
    expect(rawTxns[0].external_id).toBe('eb_acc-uid-1_2024-06-15_-50000_0')
    expect(rawTxns[0].import_source).toBe('enable_banking')
  })

  it('skips pending entries (no booking_date) and ingests only booked ones', async () => {
    // A pending PSD2 entry has no booking_date: only a value_date. Importing it
    // is what produced the production duplicates: its date (hence its dedup id)
    // differs from the same transaction's booked representation. Pending entries
    // must be skipped; booked ones import as usual, keyed on booking_date.
    mockConvertTransaction.mockImplementation((tx: { transaction_amount: { amount: string }, booking_date?: string, value_date?: string }) => ({
      id: 'x',
      date: tx.booking_date || tx.value_date,
      booking_date: tx.booking_date || tx.value_date,
      amount: -parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'T',
    }))
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [
        { transaction_amount: { amount: '50', currency: 'SEK' }, value_date: '2026-02-15' },   // pending → skipped
        { transaction_amount: { amount: '75', currency: 'SEK' }, booking_date: '2026-03-01' }, // booked → kept
      ],
      rawPages: ['{}'],
    })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2026-01-01', '2026-06-01', mockIngest
    )

    const batch = mockIngest.mock.calls[0][3]
    expect(batch).toHaveLength(1)
    expect(batch[0].date).toBe('2026-03-01')
    expect(batch[0].external_id).toBe('eb_acc-uid-1_2026-03-01_-7500_0')
  })

  it('does not re-import a booked transaction when a later sync returns it pending (no booking_date)', async () => {
    // Regression for the 45→90 duplication. The same transaction is returned
    // booked in sync 1 (booking_date 2026-04-21) and pending in sync 2 (only
    // value_date 2026-02-15). Previously sync 2 ingested the pending copy with a
    // value_date-derived id (different date → new id → duplicate). It must now
    // be skipped, so sync 2 ingests nothing for it.
    mockConvertTransaction.mockImplementation((tx: { transaction_amount: { amount: string }, booking_date?: string, value_date?: string }) => ({
      id: 'x',
      date: tx.booking_date || tx.value_date,
      booking_date: tx.booking_date || tx.value_date,
      amount: -parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'AVI ÖVERDRAG',
    }))
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    // Sync 1: booked
    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2026-04-21', value_date: '2026-02-15' }],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2026-01-01', '2026-06-01', mockIngest
    )
    const firstBatch = mockIngest.mock.calls[0][3]
    expect(firstBatch).toHaveLength(1)
    expect(firstBatch[0].date).toBe('2026-04-21')
    expect(firstBatch[0].external_id).toBe('eb_acc-uid-1_2026-04-21_-10000_0')

    // Sync 2: same transaction now returned pending (booking_date dropped)
    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, value_date: '2026-02-15' }],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2026-01-01', '2026-06-01', mockIngest
    )
    const secondBatch = mockIngest.mock.calls[1][3]
    expect(secondBatch).toHaveLength(0)
  })

  it('gives identical same-day same-amount transactions distinct, stable external_ids', async () => {
    // Two genuinely distinct transactions that share date + amount must both be
    // kept (distinct ids), and re-running the sync must reproduce the SAME set
    // of ids so the second sync dedupes instead of duplicating.
    const apiTxns = [
      { transaction_amount: { amount: '250', currency: 'SEK' }, booking_date: '2024-06-15' },
      { transaction_amount: { amount: '250', currency: 'SEK' }, booking_date: '2024-06-15' },
    ]
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: apiTxns, rawPages: ['{}'] })
    mockConvertTransaction.mockImplementation((tx: { transaction_amount: { amount: string }, booking_date: string }) => ({
      id: `bank-id-${Math.random()}`, // unstable bank id: must NOT influence external_id
      date: tx.booking_date,
      booking_date: tx.booking_date,
      amount: -parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'Kaffe',
    }))
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2024-06-01', '2024-06-30', mockIngest
    )

    const ids = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)
    expect(ids).toEqual([
      'eb_acc-uid-1_2024-06-15_-25000_0',
      'eb_acc-uid-1_2024-06-15_-25000_1',
    ])
  })

  it('prefers IBAN over uid for the external_id account scope', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1', date: '2024-06-15', booking_date: '2024-06-15', amount: 100, currency: 'SEK', description: 'Test',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID,
      makeAccount({ iban: 'SE4550000000058398257466' }),
      '2024-06-01', '2024-06-30', mockIngest
    )

    const ids = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)
    expect(ids).toEqual(['eb_SE4550000000058398257466_2024-06-15_10000_0'])
  })

  it('normalizes IBAN whitespace/case so the account scope is stable across syncs', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1', date: '2024-06-15', booking_date: '2024-06-15', amount: 100, currency: 'SEK', description: 'Test',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    // ASPSP returns the IBAN in grouped, lowercased display form.
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID,
      makeAccount({ iban: 'se45 5000 0000 0583 9825 7466' }),
      '2024-06-01', '2024-06-30', mockIngest
    )

    const ids = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)
    // Same scope as the spaced/cased variant above.
    expect(ids).toEqual(['eb_SE4550000000058398257466_2024-06-15_10000_0'])
  })

  it('keeps external_ids identical across a uid change when dedup_scope is preserved', async () => {
    // The renewal case for accounts WITHOUT an IBAN: many ASPSPs mint a fresh
    // uid on re-authorization. dedup_scope pins the scope of the first ingest,
    // so the re-synced ids must be byte-identical and collide on
    // (company_id, external_id) instead of re-importing the history.
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1', date: '2024-06-15', booking_date: '2024-06-15', amount: 100, currency: 'SEK', description: 'Test',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID,
      makeAccount({ uid: 'uid-before-renewal', dedup_scope: 'uid-before-renewal' }),
      '2024-06-01', '2024-06-30', mockIngest
    )
    const firstIds = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)

    // Renewed consent: the ASPSP minted a NEW uid, the carried scope survives.
    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID,
      makeAccount({ uid: 'uid-after-renewal', dedup_scope: 'uid-before-renewal' }),
      '2024-06-01', '2024-06-30', mockIngest
    )
    const secondIds = mockIngest.mock.calls[1][3].map((t: { external_id: string }) => t.external_id)

    expect(firstIds).toEqual(['eb_uid-before-renewal_2024-06-15_10000_0'])
    expect(secondIds).toEqual(firstIds)
  })

  it('prefers dedup_scope over both IBAN and uid for the external_id account scope', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1', date: '2024-06-15', booking_date: '2024-06-15', amount: 100, currency: 'SEK', description: 'Test',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID,
      makeAccount({ iban: 'SE4550000000058398257466', dedup_scope: 'pinned-scope' }),
      '2024-06-01', '2024-06-30', mockIngest
    )

    const ids = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)
    expect(ids).toEqual(['eb_pinned-scope_2024-06-15_10000_0'])
  })

  it('stamps dedup_scope with the scope used, so the accounts_data write-back persists it', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2024-06-15' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1', date: '2024-06-15', booking_date: '2024-06-15', amount: 100, currency: 'SEK', description: 'Test',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const withIban = makeAccount({ iban: 'se45 5000 0000 0583 9825 7466' })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, withIban,
      '2024-06-01', '2024-06-30', mockIngest
    )
    expect(withIban.dedup_scope).toBe('SE4550000000058398257466')

    const withoutIban = makeAccount()
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, withoutIban,
      '2024-06-01', '2024-06-30', mockIngest
    )
    expect(withoutIban.dedup_scope).toBe('acc-uid-1')
  })

  it('reproduces the same SET of external_ids when a re-sync returns transactions in a different order', async () => {
    // Two genuinely distinct same-day/same-amount transactions. A later sync may
    // return them in any order; the dedupe guarantee is that the id SET is
    // identical, so the re-sync collides on (company_id, external_id).
    const mk = (booking_date: string, amount: string) => ({ transaction_amount: { amount, currency: 'SEK' }, booking_date })
    const convert = (tx: { transaction_amount: { amount: string }, booking_date: string }) => ({
      id: `bank-${Math.random()}`, // unstable bank id: irrelevant to external_id
      date: tx.booking_date,
      booking_date: tx.booking_date,
      amount: -parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'Lunch',
    })
    mockConvertTransaction.mockImplementation(convert)
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    // First sync order.
    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [mk('2024-06-15', '250'), mk('2024-06-15', '250')],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2024-06-01', '2024-06-30', mockIngest
    )
    const firstIds = mockIngest.mock.calls[0][3].map((t: { external_id: string }) => t.external_id)

    // Re-sync, reversed order (and different lookback window does not matter).
    mockGetAllTransactionsWithRaw.mockResolvedValueOnce({
      transactions: [mk('2024-06-15', '250'), mk('2024-06-15', '250')],
      rawPages: ['{}'],
    })
    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, makeAccount(),
      '2024-03-01', '2024-06-30', mockIngest
    )
    const secondIds = mockIngest.mock.calls[1][3].map((t: { external_id: string }) => t.external_id)

    expect(new Set(firstIds)).toEqual(new Set(secondIds))
    expect(firstIds).toHaveLength(2)
  })

  it('returns the min/max booking date the ASPSP returned for the activation UI', async () => {
    // The min/max loop reads booking_date from the *raw* transactions (sync.ts:75-82),
    // before convertTransaction runs: so the dates need to be set here.
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [
        { transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2026-04-15' },
        { transaction_amount: { amount: '200', currency: 'SEK' }, booking_date: '2026-02-20' },
        { transaction_amount: { amount: '300', currency: 'SEK' }, booking_date: '2026-05-10' },
      ],
      rawPages: ['{}'],
    })

    mockConvertTransaction.mockImplementation((tx: { transaction_amount: { amount: string }, booking_date: string }) => ({
      id: `tx-${tx.transaction_amount.amount}`,
      date: tx.booking_date,
      booking_date: tx.booking_date,
      amount: parseFloat(tx.transaction_amount.amount),
      currency: 'SEK',
      description: 'Test',
    }))

    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const account = makeAccount()
    const result = await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2026-02-13',
      '2026-05-13',
      mockIngest
    )

    expect(result.returnedMinBookingDate).toBe('2026-02-20')
    expect(result.returnedMaxBookingDate).toBe('2026-05-10')
  })

  it('returns undefined min/max when no transactions came back', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [],
      rawPages: [],
    })

    const account = makeAccount()
    const result = await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2026-02-13',
      '2026-05-13',
      mockIngest
    )

    expect(result.returnedMinBookingDate).toBeUndefined()
    expect(result.returnedMaxBookingDate).toBeUndefined()
  })

  it('passes account.ledger_account as IngestOptions.settlementAccount when set', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'EUR' }, booking_date: '2026-04-01' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1',
      date: '2026-04-01',
      booking_date: '2026-04-01',
      amount: 100,
      currency: 'EUR',
      description: 'EUR purchase',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const account = makeAccount({ uid: 'eur-acc', currency: 'EUR', ledger_account: '1932' })
    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2026-02-13',
      '2026-05-13',
      mockIngest
    )

    const ingestOptions = mockIngest.mock.calls[0][4]
    expect(ingestOptions).toMatchObject({ settlementAccount: '1932' })
  })

  it('skips the balance call when the stored balance is fresher than 12 hours', async () => {
    // PSD2 unattended consents allow only 4 BALANCES calls per account per
    // day; a fresh stored balance must not burn the quota on every manual sync.
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })

    const freshAt = new Date(Date.now() - 1 * 60 * 60 * 1000).toISOString()
    const account = makeAccount({ balance: 500, balance_updated_at: freshAt })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    expect(mockGetAccountBalance).not.toHaveBeenCalled()
    expect(account.balance).toBe(500)
    expect(account.balance_updated_at).toBe(freshAt)
  })

  it('refreshes the balance when the stored balance is older than 12 hours', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })
    mockGetAccountBalance.mockResolvedValue({ amount: 1234.56, date: '2026-06-01', available: 1100.5 })

    const staleAt = new Date(Date.now() - 13 * 60 * 60 * 1000).toISOString()
    const account = makeAccount({ balance: 500, balance_updated_at: staleAt })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    expect(mockGetAccountBalance).toHaveBeenCalledWith('acc-uid-1')
    expect(account.balance).toBe(1234.56)
    expect(account.available_balance).toBe(1100.5)
    expect(account.balance_updated_at).not.toBe(staleAt)
  })

  it('keeps the previous balance and timestamp when the bank reports no balances (null result)', async () => {
    // A 200 with zero balances used to fabricate amount 0; with balances now
    // user-facing that would pin "banken rapporterar 0 kr" for 12h.
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })
    mockGetAccountBalance.mockResolvedValue(null)

    const staleAt = new Date(Date.now() - 13 * 60 * 60 * 1000).toISOString()
    const account = makeAccount({ balance: 500, available_balance: 480, balance_updated_at: staleAt })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    expect(mockGetAccountBalance).toHaveBeenCalledTimes(1)
    expect(account.balance).toBe(500)
    expect(account.available_balance).toBe(480)
    expect(account.balance_updated_at).toBe(staleAt)
  })

  it('clears a stored available balance when the refresh reports none', async () => {
    // A stale available figure next to a fresh booked figure would misstate
    // what can be spent: null from the bank overwrites, never keeps.
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })
    mockGetAccountBalance.mockResolvedValue({ amount: 1234.56, date: '2026-06-01', available: null })

    const staleAt = new Date(Date.now() - 13 * 60 * 60 * 1000).toISOString()
    const account = makeAccount({ balance: 500, available_balance: 480, balance_updated_at: staleAt })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    expect(account.balance).toBe(1234.56)
    expect(account.available_balance).toBeUndefined()
  })

  it('treats a future balance_updated_at as stale and refreshes', async () => {
    // Clock skew or bad data can store a future timestamp; its negative age
    // must not count as fresh, or refreshes would be suppressed indefinitely.
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })
    mockGetAccountBalance.mockResolvedValue({ amount: 1234.56, date: '2026-06-01' })

    const futureAt = new Date(Date.now() + 60 * 60 * 1000).toISOString()
    const account = makeAccount({ balance: 500, balance_updated_at: futureAt })

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    expect(mockGetAccountBalance).toHaveBeenCalledWith('acc-uid-1')
    expect(account.balance).toBe(1234.56)
    expect(account.balance_updated_at).not.toBe(futureAt)
  })

  it('attempts a balance refresh when no timestamp is stored', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({ transactions: [], rawPages: [] })

    const account = makeAccount() // no balance_updated_at

    await syncAccountTransactions(
      {} as never, COMPANY_ID, USER_ID, CONNECTION_ID, account,
      '2026-01-01', '2026-06-01', mockIngest
    )

    // The beforeEach default rejects the call: the sync must survive that and
    // leave the timestamp unset (so the next sync tries again).
    expect(mockGetAccountBalance).toHaveBeenCalledTimes(1)
    expect(account.balance_updated_at).toBeUndefined()
  })

  it('omits settlementAccount when account.ledger_account is unset (mapping engine defaults to 1930)', async () => {
    mockGetAllTransactionsWithRaw.mockResolvedValue({
      transactions: [{ transaction_amount: { amount: '100', currency: 'SEK' }, booking_date: '2026-04-01' }],
      rawPages: ['{}'],
    })
    mockConvertTransaction.mockReturnValue({
      id: 'tx-1',
      date: '2026-04-01',
      booking_date: '2026-04-01',
      amount: 100,
      currency: 'SEK',
      description: 'SEK purchase',
    })
    mockUploadDocument.mockResolvedValue({ id: 'doc-1' })

    const account = makeAccount() // No ledger_account
    await syncAccountTransactions(
      {} as never,
      COMPANY_ID,
      USER_ID,
      CONNECTION_ID,
      account,
      '2026-02-13',
      '2026-05-13',
      mockIngest
    )

    const ingestOptions = mockIngest.mock.calls[0][4]
    expect(ingestOptions.settlementAccount).toBeUndefined()
  })
})