Concepts

Manual vs Synced Accounts

• Manual accounts are user-managed and edited directly.
• Synced accounts come from provider/institution connections.
• institution_connection_id on account indicates sync origin.

Net Worth Semantics

• Asset values contribute positively.
• Liability values reduce total net worth.
• Multi-currency totals should apply conversion before aggregation.

Transaction Ownership

• Transactions always belong to a single account.
• Recent activity views should include account context.
• Categories and descriptions are metadata, while amount and currency are authoritative values.

Connection Health

• Institution connections can become broken (broken: true) when credentials expire.
• Clients should surface reconnect flows when connections are broken.