feat: Holdings + Transactions

- Added initial syncing for holdings and transactions
- Fixed accounts display not displaying anything for SimpleFIN connections
- Centralized all migrations to one file

.env.example

@@ -52,6 +52,7 @@ APP_DOMAIN=
 # Allows configuration of SimpleFIN for account linking: https://www.simplefin.org/
 # You'll want to follow the steps here for getting an AccessURL https://beta-bridge.simplefin.org/info/developers
 SIMPLE_FIN_ACCESS_URL=
+SIMPLE_FIN_UPDATE_CRON="0 6 * * *"
 
 # Disable enforcing SSL connections
 # DISABLE_SSL=true

app/controllers/accounts_controller.rb

@@ -5,6 +5,7 @@ class AccountsController < ApplicationController
   def index
     @manual_accounts = family.accounts.manual.alphabetically
     @plaid_items = family.plaid_items.ordered
+    @simple_fin_connections = family.simple_fin_connections.ordered
 
     render layout: "settings"
   end

app/controllers/concerns/accountable_resource.rb

@@ -52,7 +52,7 @@ module AccountableResource
   end
 
   def destroy
-    if @account.linked?
+    if !@account.can_delete?
       redirect_to account_path(@account), alert: "Cannot delete a linked account"
     else
       @account.destroy_later

app/controllers/simple_fin_controller.rb

@@ -21,18 +21,11 @@ class SimpleFinController < ApplicationController
     Current.family.accounts.find_by(name: acc["name"])
   end
 
-
-  ##
-  # Starts a sync across all SimpleFIN accounts
-  def sync
-    puts "Should sync"
-  end
-
   def create
     selected_ids = params[:selected_account_ids]
     if selected_ids.blank?
       Rails.logger.error "No accounts were selected."
-      redirect_to new_simple_fin_connection_path(accountable_type: @accountable_type)
+      redirect_to root_path, alert: t(".no_acc_selected")
       return
     end
 
@@ -65,24 +58,20 @@ class SimpleFinController < ApplicationController
 
 
         # Create SimpleFinAccount and its associated Account
-        SimpleFinAccount.find_or_create_from_simple_fin_data!(
+        simple_fin_account = SimpleFinAccount.find_or_create_from_simple_fin_data!(
           acc_detail,
           simple_fin_connection
         )
 
-        # Optionally, trigger an initial sync for the new account if needed,
+        # Trigger an account sync of our data
-        # though find_or_create_from_simple_fin_data! already populates it.
+        simple_fin_account.sync_account_data!(acc_detail)
-        # simple_fin_account.sync_account_data!(acc_detail)
-
-        # The Account record is created via accepts_nested_attributes_for in SimpleFinAccount
-        # or by the logic within find_or_create_from_simple_fin_data!
       end
     end
 
     redirect_to root_path, notice: t(".accounts_created_success")
   rescue StandardError => e
     Rails.logger.error "SimpleFIN: Failed to create accounts - #{e.message}"
-    redirect_to new_simple_fin_connection_path
+    redirect_to new_simple_fin_path
   end
 
   private

app/jobs/family_reset_job.rb

@@ -10,6 +10,7 @@ class FamilyResetJob < ApplicationJob
       family.tags.destroy_all
       family.merchants.destroy_all
       family.plaid_items.destroy_all
+      family.simple_fin_connections.destroy_all
       family.imports.destroy_all
       family.budgets.destroy_all
 

app/models/account/linkable.rb

@@ -6,6 +6,14 @@ module Account::Linkable
     belongs_to :simple_fin_account, optional: true
   end
 
+  def can_delete?
+    # SimpleFIN accounts can be removed and re-added
+    if simple_fin_account_id.present?
+      return true
+    end
+    !linked?
+  end
+
   # A "linked" account gets transaction and balance data from a third party like Plaid
   def linked?
     plaid_account_id.present? || simple_fin_account_id.present?

app/models/assistant/function/get_accounts.rb

@@ -22,6 +22,7 @@ class Assistant::Function::GetAccounts < Assistant::Function
           type: account.accountable_type,
           start_date: account.start_date,
           is_plaid_linked: account.plaid_account_id.present?,
+          is_simple_fin_linked: account.simple_fin_id.present?,
           is_active: account.is_active,
           historical_balances: historical_balances(account)
         }

app/models/simple_fin_account.rb

@@ -15,6 +15,9 @@ class SimpleFinAccount < ApplicationRecord
   validates :external_id, presence: true, uniqueness: true
   validates :simple_fin_connection_id, presence: true
 
+  after_destroy :cleanup_connection_if_orphaned
+
+
   class << self
     def find_or_create_from_simple_fin_data!(sf_account_data, sfc)
       sfc.simple_fin_accounts.find_or_create_by!(external_id: sf_account_data["id"]) do |sfa|
@@ -35,66 +38,129 @@ class SimpleFinAccount < ApplicationRecord
         # sfa.sf_subtype = sf_account_data["name"]&.include?("Credit") ? "Credit Card" : accountable_klass.name
       end
     end
+    def family
+      simple_fin_connection&.family
+    end
   end
 
   # sf_account_data is a hash from Provider::SimpleFin#get_available_accounts
   def sync_account_data!(sf_account_data)
     # Ensure accountable_attributes has the ID for updates
-    accountable_attributes = { id: account.accountable_id }
+    # 'account' here refers to self.account (the associated Account instance)
+    accountable_attributes = { id: self.account.accountable_id }
 
-    # Example: Update specific accountable types like PlaidAccount does
+    self.update!(
-    # This will depend on the structure of sf_account_data and your Accountable models
-    # case account.accountable_type
-    # when "CreditCard"
-    #   accountable_attributes.merge!(
-    #     # minimum_payment: sf_account_data.dig("credit_details", "minimum_payment"),
-    #     # apr: sf_account_data.dig("credit_details", "apr")
-    #   )
-    # when "Loan"
-    #   accountable_attributes.merge!(
-    #     # interest_rate: sf_account_data.dig("loan_details", "interest_rate")
-    #   )
-    # end
-
-    update!(
       current_balance: sf_account_data["balance"].to_d,
       available_balance: sf_account_data["available-balance"]&.to_d,
       currency: sf_account_data["currency"],
-      # sf_type: derive_sf_type(sf_account_data), # Potentially update type/subtype
+      # simple_fin_errors: sf_account_data["errors"] || [],
-      # sf_subtype: derive_sf_subtype(sf_account_data),
-      simple_fin_errors: sf_account_data["errors"] || [], # Assuming errors might come on account data
       account_attributes: {
-        id: account.id,
+        id: self.account.id,
         balance: sf_account_data["balance"].to_d,
-        # cash_balance: derive_sf_cash_balance(sf_account_data), # If applicable
         last_synced_at: Time.current,
         accountable_attributes: accountable_attributes
       }
     )
+
+    # Sync transactions if present in the data
+    if sf_account_data["transactions"].is_a?(Array)
+      sync_transactions!(sf_account_data["transactions"])
+    end
+
+    # Sync holdings if present in the data and it's an investment account
+    if self.account&.investment? && sf_account_data["holdings"].is_a?(Array)
+      sync_holdings!(sf_account_data["holdings"])
+    end
   end
 
-  # TODO: Implement if SimpleFIN provides investment transactions/holdings
+  # sf_holdings_data is an array of holding hashes from SimpleFIN for this specific account
-  # def sync_investments!(transactions:, holdings:, securities:)
+  def sync_holdings!(sf_holdings_data)
-  #   # Similar to PlaidInvestmentSync.new(self).sync!(...)
+    # 'account' here refers to self.account
-  # end
+    return unless self.account.present? && self.account.investment? && sf_holdings_data.is_a?(Array)
+    Rails.logger.info "SimpleFinAccount (#{self.account.id}): Entering sync_holdings! with #{sf_holdings_data.length} items."
 
-  # TODO: Implement if SimpleFIN provides transactions
+    # Get existing SimpleFIN holding IDs for this account to detect deletions
-  # def sync_transactions!(added:, modified:, removed:)
+    existing_provider_holding_ids = self.account.holdings.where.not(simple_fin_holding_id: nil).pluck(:simple_fin_holding_id)
-  #   # Similar to PlaidAccount's sync_transactions!
+    current_provider_holding_ids = sf_holdings_data.map { |h_data| h_data["id"] }
-  # end
 
-  def family
+    # Delete holdings that are no longer present in SimpleFIN's data
-    simple_fin_connection&.family
+    holdings_to_delete_ids = existing_provider_holding_ids - current_provider_holding_ids
+    Rails.logger.info "SimpleFinAccount (#{self.account.id}): Will delete SF holding IDs: #{holdings_to_delete_ids}"
+    self.account.holdings.where(simple_fin_holding_id: holdings_to_delete_ids).destroy_all
+
+    sf_holdings_data.each do |holding_data|
+      # Find or create the Security based on the holding data
+      security = find_or_create_security_from_holding_data(holding_data)
+      next unless security # Skip if we can't determine a security
+
+      Rails.logger.info "SimpleFinAccount (#{self.account.id}): Processing SF holding ID #{holding_data['id']}"
+      existing_holding = self.account.holdings.find_or_initialize_by(
+          security: security,
+          date: Date.current,
+          currency: holding_data["currency"]
+        )
+
+      existing_holding.qty = holding_data["shares"]&.to_d
+      existing_holding.price = holding_data["purchase_price"]&.to_d
+      existing_holding.amount = holding_data["market_value"]&.to_d
+      # Cost basis is at holding level, not per share
+      # existing_holding.cost_basis = holding_data["cost_basis"]&.to_d
+      existing_holding.save!
+    end
+  end
+
+  # sf_transactions_data is an array of transaction hashes from SimpleFIN for this specific account
+  def sync_transactions!(sf_transactions_data)
+    # 'account' here refers to self.account
+    return unless self.account.present? && sf_transactions_data.is_a?(Array)
+
+    sf_transactions_data.each do |transaction_data|
+      entry = self.account.entries.find_or_initialize_by(simple_fin_transaction_id: transaction_data["id"])
+
+      entry.assign_attributes(
+        name: transaction_data["description"],
+        amount: transaction_data["amount"].to_d,
+        currency: self.account.currency,
+        date: Time.at(transaction_data["posted"].to_i).to_date,
+        source: "simple_fin"
+      )
+
+      entry.entryable ||= Transaction.new
+      unless entry.entryable.is_a?(Transaction)
+        entry.entryable = Transaction.new
+      end
+
+      entry.entryable.simple_fin_category = transaction_data.dig("extra", "category") if entry.entryable.respond_to?(:simple_fin_category=)
+
+      if entry.changed? || entry.entryable.changed? # Check if entryable also changed
+        entry.save!
+      else
+        Rails.logger.info "SimpleFinAccount (#{self.account.id}): Entry for SF transaction ID #{transaction_data['id']} not changed, not saving."
+      end
+    end
+  end
+
+  ##
+  # Helper to find or create a Security record based on SimpleFIN holding data
+  # SimpleFIN data is less detailed than Plaid securities, often just providing symbol and description.
+  def find_or_create_security_from_holding_data(holding_data)
+    symbol = holding_data["symbol"]&.upcase
+    description = holding_data["description"]
+
+    # We need at least a symbol or description to create/find a security
+    return nil unless symbol.present? || description.present?
+
+    # Try finding by ticker first, then by name (description) if no ticker
+    Security.find_or_create_by!(ticker: symbol) do |sec|
+      sec.name = description if description.present?
+    end
   end
 
   private
 
-  # Example helper, if needed
+    def cleanup_connection_if_orphaned
-  # def derive_sf_cash_balance(sf_balances)
+      # Reload the connection to get the most up-to-date count of associated accounts
-  #   if account.investment?
+      connection = simple_fin_connection.reload
-  #     sf_balances["available-balance"]&.to_d || 0
+      connection.destroy_later if connection.simple_fin_accounts.empty?
-  #   else
+    end
-  #     sf_balances["balance"]&.to_d
-  #   end
-  # end
 end

app/views/accounts/index.html.erb

@@ -23,7 +23,7 @@
   </div>
 </header>
 
-<% if @manual_accounts.empty? && @plaid_items.empty? %>
+<% if @manual_accounts.empty? && @plaid_items.empty? && @simple_fin_connections.empty? %>
   <%= render "empty" %>
 <% else %>
   <div class="space-y-2">
@@ -31,6 +31,10 @@
       <%= render @plaid_items.sort_by(&:created_at) %>
     <% end %>
 
+    <% if @simple_fin_connections.any? %>
+      <%= render @simple_fin_connections.sort_by(&:created_at) %>
+    <% end %>
+
     <% if @manual_accounts.any? %>
       <%= render "accounts/index/manual_accounts", accounts: @manual_accounts %>
     <% end %>

app/views/accounts/new/_method_selector.html.erb

@@ -10,7 +10,7 @@
     <% end %>
 
     <% if simple_fin_avail %>
-      <%= link_to new_simple_fin_connection_path(accountable_type: @accountable_type), class: "flex items-center gap-4 w-full text-center text-primary focus:outline-hidden focus:bg-surface border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-surface rounded-lg p-2" do %>
+      <%= link_to new_simple_fin_path(accountable_type: @accountable_type), class: "flex items-center gap-4 w-full text-center text-primary focus:outline-hidden focus:bg-surface border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-surface rounded-lg p-2" do %>
         <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
           <%= image_tag "simple-fin-logo.svg", class: "w-6 h-6" %>
         </span>

app/views/accounts/show/_header.html.erb

@@ -34,9 +34,7 @@
         <% end %>
       <% elsif account.simple_fin_account_id.present? %>
         <%# SimpleFIN information %>
-        <%= image_tag "simple-fin-logo.svg", class: "h-6 w-auto", title: "Connected via SimpleFIN" %>
+        <%= image_tag "simple-fin-logo.svg", class: "h-6 w-auto", title: "Connected via SimpleFIN. This account will auto refresh." %>
-        <%# TODO: Add manual sync %>
-        
       <% else %>
         <%= icon(
           "refresh-cw",

app/views/accounts/show/_menu.html.erb

@@ -13,7 +13,7 @@
     ) %>
   <% end %>
 
-  <% unless account.linked? %>
+  <% if account.can_delete? %>
     <% menu.with_item(
       variant: "button",
       text: "Delete account",

app/views/simple_fin/new.html.erb

@@ -5,10 +5,10 @@
     <div class="text-center text-gray-500 py-8">
       <p>No accounts found matching this type from SimpleFIN.</p>
       <p>Please ensure your SimpleFIN subscription is active.</p>
-      <%= link_to "Try Again", new_simple_fin_connection_path(accountable_type: @accountable_type), class: "mt-4 inline-block text-primary hover:underline" %>
+      <%= link_to "Try Again", new_simple_fin_path(accountable_type: @accountable_type), class: "mt-4 inline-block text-primary hover:underline" %>
     </div>
   <% else %>
-    <%= styled_form_with url: simple_fin_connections_path(accountable_type: @accountable_type), method: :post, data: { turbo: false } do |form| %>
+    <%= styled_form_with url: simple_fin_index_path(accountable_type: @accountable_type), method: :post, data: { turbo: false } do |form| %>
       <%# Render each account option parsed from SimpleFIN %>
       <% @simple_fin_accounts.each_with_index do |account, index| %>
         <div class="mb-4">

app/views/simple_fin_connections/_simple_fin_connection.html.erb

@@ -0,0 +1,30 @@
+<%# locals: (simple_fin_connection:) %>
+
+<div class="group bg-container p-4 shadow-border-xs rounded-xl">
+  <div class="px-4 py-3 sm:px-6 border-b border-gray-200">
+    <div class="flex items-center justify-between">
+      <div class="flex items-center gap-3">
+        <% if simple_fin_connection.logo.attached? %>
+          <%= image_tag simple_fin_connection.logo, class: "h-8 w-8 rounded-full" %>
+        <% else %>
+          <div>
+            <%= simple_fin_connection.institution_name&.first || "?" %>
+          </div>
+        <% end %>
+        <h3 >
+          <%= simple_fin_connection.institution_name || "SimpleFIN Connection" %>
+        </h3>
+      </div>
+      <div class="ml-4 flex-shrink-0">
+        <%# Add a sync button for the entire connection if needed %>
+        <%# Example: render ButtonComponent.new(href: sync_simple_fin_connection_path(simple_fin_connection), method: :post, text: "Sync", icon: "refresh-cw", variant: "outline", size: "sm") %>
+      </div>
+    </div>
+  </div>
+
+  <ul role="list" class="divide-y divide-gray-200">
+    <% simple_fin_connection.accounts.includes(:accountable, :logo_attachment).active.alphabetically.each do |account| %>
+      <%= render "accounts/account", account: account %>
+    <% end %>
+  </ul>
+</div>

config/initializers/simple_fin.rb

@@ -6,5 +6,8 @@ Rails.application.configure do
   if ENV["SIMPLE_FIN_ACCESS_URL"].present?
     config.simple_fin = OpenStruct.new()
     config.simple_fin["ACCESS_URL"] = ENV["SIMPLE_FIN_ACCESS_URL"]
+    config.simple_fin["UPDATE_CRON"] = ENV["SIMPLE_FIN_UPDATE_CRON"]
+    # Fallback
+    config.simple_fin["UPDATE_CRON"] = "0 6 * * *" if config.simple_fin["UPDATE_CRON"].nil?
   end
 end

config/locales/simple_fin/en.yml

@@ -6,3 +6,4 @@ en:
     create:
       accounts_created_success: "Accounts Successfully Created"
       fetch_failed: "Failed to fetch accounts"
+      no_acc_selected: "No accounts were selected to add"

config/routes.rb

@@ -201,14 +201,8 @@ Rails.application.routes.draw do
   end
 
   # SimpleFIN routes
-  namespace :simple_fin do
+  resources :simple_fin, only: %i[create new] do
-   resources :connections, only: [ :new, :create, :sync ], controller: "/simple_fin"
+  end
- end
-
-  # SimpleFIN routes (controller: SimpleFinController)
-  get "simple_fin/select_accounts", to: "simple_fin#select_accounts", as: "select_simple_fin_accounts"
-  # Defines POST /simple_fin/create_selected_accounts -> simple_fin#create_selected_accounts
-  post "simple_fin/create_selected_accounts", to: "simple_fin#create_selected_accounts", as: "create_selected_simple_fin_accounts"
 
 
   namespace :webhooks do

db/migrate/20250509134646_simple_fin_integration.rb

@@ -1,13 +1,13 @@
-class SetupSimpleFinIntegration < ActiveRecord::Migration[7.2]
+class SimpleFinIntegration < ActiveRecord::Migration[7.2]
   def change
     create_table :simple_fin_connections do |t|
       t.references :family, null: false, foreign_key: true, type: :uuid
-      t.string :name
+      t.string :name # e.g., "Chase via SimpleFIN" or user-defined
-      t.string :institution_id
+      t.string :institution_id # From SimpleFIN org.id (e.g., "www.chase.com")
       t.string :institution_name
       t.string :institution_url
       t.string :institution_domain
-      t.string :status, default: "good"
+      t.string :status, default: "good" # e.g., good, requires_update
       t.datetime :last_synced_at
       t.boolean :scheduled_for_deletion, default: false
       t.string :api_versions_supported, array: true, default: []
@@ -23,11 +23,21 @@ class SetupSimpleFinIntegration < ActiveRecord::Migration[7.2]
       t.string :currency
       t.string :sf_type
       t.string :sf_subtype
+      t.string :simple_fin_errors, array: true, default: []
 
       t.timestamps
     end
     add_index :simple_fin_accounts, [ :simple_fin_connection_id, :external_id ], unique: true, name: 'index_sfa_on_sfc_id_and_external_id'
 
     add_reference :accounts, :simple_fin_account, foreign_key: true, null: true, index: true
+
+    add_column :entries, :simple_fin_transaction_id, :string
+    add_index :entries, :simple_fin_transaction_id, unique: true, where: "simple_fin_transaction_id IS NOT NULL"
+    add_column :entries, :source, :string
+    add_column :transactions, :simple_fin_category, :string
+
+    add_column :holdings, :simple_fin_holding_id, :string
+    add_index :holdings, :simple_fin_holding_id, unique: true, where: "simple_fin_holding_id IS NOT NULL"
+    add_column :holdings, :source, :string
   end
 end

db/schema.rb

@@ -202,8 +202,11 @@ ActiveRecord::Schema[7.2].define(version: 2025_05_09_134646) do
     t.boolean "excluded", default: false
     t.string "plaid_id"
     t.jsonb "locked_attributes", default: {}
+    t.string "simple_fin_transaction_id"
+    t.string "source"
     t.index ["account_id"], name: "index_entries_on_account_id"
     t.index ["import_id"], name: "index_entries_on_import_id"
+    t.index ["simple_fin_transaction_id"], name: "index_entries_on_simple_fin_transaction_id", unique: true, where: "(simple_fin_transaction_id IS NOT NULL)"
   end
 
   create_table "exchange_rates", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
@@ -243,9 +246,12 @@ ActiveRecord::Schema[7.2].define(version: 2025_05_09_134646) do
     t.string "currency", null: false
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
+    t.string "simple_fin_holding_id"
+    t.string "source"
     t.index ["account_id", "security_id", "date", "currency"], name: "idx_on_account_id_security_id_date_currency_5323e39f8b", unique: true
     t.index ["account_id"], name: "index_holdings_on_account_id"
     t.index ["security_id"], name: "index_holdings_on_security_id"
+    t.index ["simple_fin_holding_id"], name: "index_holdings_on_simple_fin_holding_id", unique: true, where: "(simple_fin_holding_id IS NOT NULL)"
   end
 
   create_table "impersonation_session_logs", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
@@ -561,6 +567,7 @@ ActiveRecord::Schema[7.2].define(version: 2025_05_09_134646) do
     t.string "currency"
     t.string "sf_type"
     t.string "sf_subtype"
+    t.string "simple_fin_errors", default: [], array: true
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
     t.index ["simple_fin_connection_id", "external_id"], name: "index_sfa_on_sfc_id_and_external_id", unique: true
@@ -685,6 +692,7 @@ ActiveRecord::Schema[7.2].define(version: 2025_05_09_134646) do
     t.jsonb "locked_attributes", default: {}
     t.string "plaid_category"
     t.string "plaid_category_detailed"
+    t.string "simple_fin_category"
     t.index ["category_id"], name: "index_transactions_on_category_id"
     t.index ["merchant_id"], name: "index_transactions_on_merchant_id"
   end

sample.simple.fin.json

@@ -17,7 +17,38 @@
             "balance": "-250.75",
             "available-balance": "5000.00",
             "balance-date": 1700000001,
-            "transactions": [],
+            "transactions": [
+                {
+                    "id": "TRN-CHASE-CREDIT-001-A",
+                    "posted": 1699910000,
+                    "amount": "-25.50",
+                    "description": "Corner Cafe Lunch",
+                    "pending": false,
+                    "extra": {
+                        "category": "Food & Dining"
+                    }
+                },
+                {
+                    "id": "TRN-CHASE-CREDIT-001-B",
+                    "posted": 1699810000,
+                    "amount": "-75.00",
+                    "description": "Online Shopping - Books",
+                    "pending": true,
+                    "extra": {
+                        "category": "Shopping"
+                    }
+                },
+                {
+                    "id": "TRN-CHASE-CREDIT-001-C",
+                    "posted": 1699710000,
+                    "amount": "100.00",
+                    "description": "Payment Received - Thank You!",
+                    "pending": false,
+                    "extra": {
+                        "category": "Payments"
+                    }
+                }
+            ],
             "holdings": []
         },
         {
@@ -34,7 +65,28 @@
             "balance": "-150320.90",
             "available-balance": "0.00",
             "balance-date": 1700000002,
-            "transactions": [],
+            "transactions": [
+                {
+                    "id": "TRN-CHASE-LOAN-002-A",
+                    "posted": 1699510000,
+                    "amount": "-1200.00",
+                    "description": "Monthly Loan Payment",
+                    "pending": false,
+                    "extra": {
+                        "category": "Loan Payments"
+                    }
+                },
+                {
+                    "id": "TRN-CHASE-LOAN-002-B",
+                    "posted": 1699410000,
+                    "amount": "-5.20",
+                    "description": "Interest Charge",
+                    "pending": false,
+                    "extra": {
+                        "category": "Fees & Charges"
+                    }
+                }
+            ],
             "holdings": []
         },
         {
@@ -255,7 +307,28 @@
             "balance": "1234.56",
             "available-balance": "1200.00",
             "balance-date": 1700000007,
-            "transactions": [],
+            "transactions": [
+                {
+                    "id": "TRN-WPCU-SAVINGS-007-A",
+                    "posted": 1699310000,
+                    "amount": "50.00",
+                    "description": "Transfer from Checking",
+                    "pending": false,
+                    "extra": {
+                        "category": "Transfers"
+                    }
+                },
+                {
+                    "id": "TRN-WPCU-SAVINGS-007-B",
+                    "posted": 1699210000,
+                    "amount": "0.25",
+                    "description": "Monthly Interest Earned",
+                    "pending": false,
+                    "extra": {
+                        "category": "Interest Income"
+                    }
+                }
+            ],
             "holdings": []
         },
         {
@@ -272,7 +345,38 @@
             "balance": "3456.78",
             "available-balance": "3456.78",
             "balance-date": 1700000008,
-            "transactions": [],
+            "transactions": [
+                {
+                    "id": "TRN-WPCU-CHECKING-008-A",
+                    "posted": 1699110000,
+                    "amount": "-45.99",
+                    "description": "Grocery Store Run",
+                    "pending": false,
+                    "extra": {
+                        "category": "Groceries"
+                    }
+                },
+                {
+                    "id": "TRN-WPCU-CHECKING-008-B",
+                    "posted": 1699010000,
+                    "amount": "-12.50",
+                    "description": "Coffee Shop Visit",
+                    "pending": true,
+                    "extra": {
+                        "category": "Food & Dining"
+                    }
+                },
+                {
+                    "id": "TRN-WPCU-CHECKING-008-C",
+                    "posted": 1698910000,
+                    "amount": "1500.00",
+                    "description": "Direct Deposit - Paycheck",
+                    "pending": false,
+                    "extra": {
+                        "category": "Income"
+                    }
+                }
+            ],
             "holdings": []
         },
         {
@@ -289,7 +393,18 @@
             "balance": "25000.00",
             "available-balance": "24900.00",
             "balance-date": 1700000009,
-            "transactions": [],
+            "transactions": [
+                {
+                    "id": "TRN-WPCU-MMA-009-A",
+                    "posted": 1698810000,
+                    "amount": "200.00",
+                    "description": "Transfer to Savings",
+                    "pending": false,
+                    "extra": {
+                        "category": "Transfers"
+                    }
+                }
+            ],
             "holdings": []
         },
         {
@@ -309,6 +424,34 @@
             "transactions": [],
             "holdings": []
         },
+        {
+            "org": {
+                "domain": "www.discover.com",
+                "name": "Discover Credit Card",
+                "sfin-url": "https://beta-bridge.simplefin.org/simplefin",
+                "url": "https://www.discover.com",
+                "id": "www.discover.com"
+            },
+            "id": "ACT-RANDOM-DISCOVER-CREDIT-CARD",
+            "name": "Discover Credit Card",
+            "currency": "USD",
+            "balance": "-10000",
+            "available-balance": "0.00",
+            "balance-date": 1746720778,
+            "transactions": [
+                {
+                    "id": "TRN-TOYOTA-LOAN-010-A",
+                    "posted": 1698710000,
+                    "amount": "-550.75",
+                    "description": "Car Payment - November",
+                    "pending": false,
+                    "extra": {
+                        "category": "Auto Payment"
+                    }
+                }
+            ],
+            "holdings": []
+        },
         {
             "org": {
                 "domain": "www.discover.com",