Multi-currency support (#425)

* Initial foundational pass at multi-currency

* Default format currency

* More work on currency and exchanging

* Re-build currencies on change

* Currency import/setup

* Background job overhaul + cheaper OXR plan support

* Lint fixes

* Test fixes

* Multi-currency setup instructions

* Allow decimals in the balance field

* Spacing fix for form

---------

Signed-off-by: Josh Pigford <josh@joshpigford.com>

.env.example

@@ -5,6 +5,16 @@ HOSTED=false
 # This is the domain that your Maybe instance will be hosted at. It is used to generate links in emails and other places.
 APP_DOMAIN=
 
+# Exchange Rate API
+# This is used to convert between different currencies in the app. We're currently using Open Exchange Rates (openexchangerates.org) to sync exchange rate data and, at the moment, that requies a $12/mo subscription. This is NOT required to run Maybe with one currency, but it is required to sync exchange rate data if you need multiple currencies. In the future we'll be adding support for other exchange rate APIs that are cheaper/free.
+OPEN_EXCHANGE_APP_ID=
+
+# Currency Configuration
+# A list of currencies that you want to support. This is used to generate the list of currencies that users can select from when creating a new account.
+# A free Open Exchange Rates API key is required if you want to support multiple currencies.
+# Example: CURRENCIES=USD,EUR,GBP
+CURRENCIES=USD
+
 # SMTP Configuration
 # This is only needed if you intend on sending emails from your Maybe instance (such as for password resets or email financial reports).
 # Resend.com is a good option that offers a free tier for sending emails.

Gemfile

@@ -23,12 +23,15 @@ gem "lucide-rails", github: "maybe-finance/lucide-rails"
 gem "stimulus-rails"
 gem "turbo-rails"
 
+# Background Jobs
+gem "good_job"
+
 # Other
 gem "bcrypt", "~> 3.1.7"
 gem "inline_svg"
 gem "jbuilder"
 gem "tzinfo-data", platforms: %i[ windows jruby ]
-gem "money-rails", "~> 1.12"
+gem "faraday"
 
 group :development, :test do
   gem "debug", platforms: %i[ mri windows ]

Gemfile.lock

@@ -146,9 +146,25 @@ GEM
     drb (2.2.0)
       ruby2_keywords
     erubi (1.12.0)
+    et-orbi (1.2.7)
+      tzinfo
+    faraday (2.9.0)
+      faraday-net_http (>= 2.0, < 3.2)
+    faraday-net_http (3.1.0)
+      net-http
     ffi (1.16.3)
+    fugit (1.9.0)
+      et-orbi (~> 1, >= 1.2.7)
+      raabro (~> 1.4)
     globalid (1.2.1)
       activesupport (>= 6.1)
+    good_job (3.23.0)
+      activejob (>= 6.0.0)
+      activerecord (>= 6.0.0)
+      concurrent-ruby (>= 1.0.2)
+      fugit (>= 1.1)
+      railties (>= 6.0.0)
+      thor (>= 0.14.1)
     highline (3.0.1)
     hotwire-livereload (1.3.1)
       actioncable (>= 6.0.0)
@@ -202,16 +218,9 @@ GEM
     matrix (0.4.2)
     mini_mime (1.1.5)
     minitest (5.21.2)
-    monetize (1.13.0)
-      money (~> 6.12)
-    money (6.16.0)
-      i18n (>= 0.6.4, <= 2)
-    money-rails (1.15.0)
-      activesupport (>= 3.0)
-      monetize (~> 1.9)
-      money (~> 6.13)
-      railties (>= 3.0)
     msgpack (1.7.2)
+    net-http (0.4.1)
+      uri
     net-imap (0.4.10)
       date
       net-protocol
@@ -250,6 +259,7 @@ GEM
     public_suffix (5.0.4)
     puma (6.4.2)
       nio4r (~> 2.0)
+    raabro (1.4.0)
     racc (1.7.3)
     rack (3.0.9)
     rack-session (2.0.0)
@@ -359,6 +369,7 @@ GEM
     tzinfo (2.0.6)
       concurrent-ruby (~> 1.0)
     unicode-display_width (2.5.0)
+    uri (0.13.0)
     useragent (0.16.10)
     web-console (4.2.1)
       actionview (>= 6.0.0)
@@ -389,6 +400,8 @@ DEPENDENCIES
   capybara
   debug
   dotenv-rails
+  faraday
+  good_job
   hotwire-livereload
   i18n-tasks
   importmap-rails
@@ -396,7 +409,6 @@ DEPENDENCIES
   jbuilder
   letter_opener
   lucide-rails!
-  money-rails (~> 1.12)
   pg (~> 1.1)
   propshaft
   puma (>= 5.0)

Procfile.dev

@@ -1,2 +1,3 @@
 web: bin/rails server -b 0.0.0.0
 css: bin/rails tailwindcss:watch
+worker: bundle exec good_job start

README.md

@@ -46,11 +46,21 @@ bin/dev
 
 And visit http://localhost:3000 to see the app. You can use the following credentials to log in (generated by DB seed):
 
-Email: user@maybe.local
+Email: `user@maybe.local`
-Password: password
+Password: `password`
 
 For further instructions, see guides below.
 
+### Multi-currency support
+
+If you'd like multi-currency support, there are a few extra steps to follow.
+
+1. Sign up for an API key at [Open Exchange Rates](https://openexchangerates.org/signup). For now, you'll need the Developer plan, which is $12/mo.
+2. Add your API key to your `.env` file.
+3. Set the currencies you'd like to support in the `.env` file.
+4. Run `rake currencies:seed`
+5. Run `rake exchange_rates:sync`
+
 ### Setup Guides
 
 #### Dev Container (optional)

app/controllers/accounts_controller.rb

@@ -3,7 +3,7 @@ class AccountsController < ApplicationController
 
   def new
     @account = Account.new(
-      balance: nil,
+      original_balance: nil,
       accountable: Accountable.from_type(params[:type])&.new
     )
   end
@@ -25,6 +25,6 @@ class AccountsController < ApplicationController
   private
 
   def account_params
-    params.require(:account).permit(:name, :accountable_type, :balance, :balance_cents, :subtype)
+    params.require(:account).permit(:name, :accountable_type, :original_balance, :original_currency, :subtype)
   end
 end

app/controllers/settings_controller.rb

@@ -5,7 +5,19 @@ class SettingsController < ApplicationController
   end
 
   def update
-    if Current.user.update(user_params)
+    user_params_with_family = user_params
+    # Ensure we're only updating the family associated with the current user
+    if Current.family
+      family_attributes = user_params_with_family[:family_attributes].merge({ id: Current.family.id })
+      user_params_with_family[:family_attributes] = family_attributes
+    end
+
+    # If the family attribute for currency is changed, we need to convert all account balances to the new currency with the ConvertCurrencyJob job
+    if user_params_with_family[:family_attributes][:currency] != Current.family.currency
+      ConvertCurrencyJob.perform_later(Current.family)
+    end
+
+    if Current.user.update(user_params_with_family)
       redirect_to root_path, notice: "Profile updated successfully."
     else
       render :edit, status: :unprocessable_entity
@@ -16,6 +28,6 @@ class SettingsController < ApplicationController
 
   def user_params
     params.require(:user).permit(:first_name, :last_name, :email, :password, :password_confirmation,
-                                 family_attributes: [ :name, :id ])
+                                 family_attributes: [ :name, :id, :currency ])
   end
 end

app/helpers/application_helper.rb

@@ -17,4 +17,37 @@ module ApplicationHelper
     content = capture &block
     render partial: "shared/modal", locals: { content: content }
   end
+
+  def format_currency(number, options = {})
+    user_currency_preference = Current.family.try(:currency) || "USD"
+
+    case user_currency_preference
+    when "USD"
+      options.reverse_merge!(unit: "$", precision: 2, delimiter: ",", separator: ".")
+    when "EUR"
+      options.reverse_merge!(unit: "€", precision: 2, delimiter: ".", separator: ",")
+    when "GBP"
+      options.reverse_merge!(unit: "£", precision: 2, delimiter: ",", separator: ".")
+    when "CAD"
+      options.reverse_merge!(unit: "C$", precision: 2, delimiter: ",", separator: ".")
+    when "MXN"
+      options.reverse_merge!(unit: "MX$", precision: 2, delimiter: ",", separator: ".")
+    when "HKD"
+      options.reverse_merge!(unit: "HK$", precision: 2, delimiter: ",", separator: ".")
+    when "CHF"
+      options.reverse_merge!(unit: "CHF", precision: 2, delimiter: ".", separator: ",")
+    when "SGD"
+      options.reverse_merge!(unit: "S$", precision: 2, delimiter: ",", separator: ".")
+    when "NZD"
+      options.reverse_merge!(unit: "NZ$", precision: 2, delimiter: ",", separator: ".")
+    when "AUD"
+      options.reverse_merge!(unit: "A$", precision: 2, delimiter: ",", separator: ".")
+    when "KRW"
+      options.reverse_merge!(unit: "₩", precision: 0, delimiter: ",", separator: ".")
+    else
+      options.reverse_merge!(unit: "$", precision: 2, delimiter: ",", separator: ".")
+    end
+
+    number_to_currency(number, options)
+  end
 end

app/jobs/convert_currency_job.rb

@@ -0,0 +1,19 @@
+class ConvertCurrencyJob < ApplicationJob
+  queue_as :default
+
+  def perform(family)
+    family = Family.find(family.id)
+
+    # Convert all account balances to new currency
+    family.accounts.each do |account|
+      if account.original_currency == family.currency
+        account.converted_balance = account.original_balance
+        account.converted_currency = account.original_currency
+      else
+        account.converted_balance = ExchangeRate.convert(account.original_currency, family.currency, account.original_balance)
+        account.converted_currency = family.currency
+      end
+      account.save!
+    end
+  end
+end

app/jobs/daily_exchange_rate_job.rb

@@ -0,0 +1,34 @@
+class DailyExchangeRateJob < ApplicationJob
+  queue_as :default
+
+  def perform
+    app_id = ENV["OPEN_EXCHANGE_APP_ID"]
+
+    # Get the last date for which exchange rates were fetched for each currency
+    last_fetched_dates = ExchangeRate.group(:base_currency).maximum(:date)
+
+    # Loop through each currency and fetch exchange rates for each
+    Currency.all.each do |currency|
+      last_fetched_date = last_fetched_dates[currency.iso_code] || Date.yesterday
+      next_day = last_fetched_date + 1.day
+      response = Faraday.get("https://openexchangerates.org/api/historical/#{next_day}.json") do |req|
+        req.params["app_id"] = app_id
+        req.params["base"] = currency.iso_code
+        req.params["symbols"] = Currency.where.not(iso_code: currency.iso_code).pluck(:iso_code).join(",")
+      end
+
+      if response.success?
+        rates = JSON.parse(response.body)["rates"]
+
+        rates.each do |currency_iso_code, value|
+          ExchangeRate.find_or_create_by(date: Date.today, base_currency: currency.iso_code, converted_currency: currency_iso_code) do |exchange_rate|
+            exchange_rate.rate = value
+          end
+          puts "#{currency.iso_code} to #{currency_iso_code} on #{Date.today}: #{value}"
+        end
+      else
+        puts "Failed to fetch exchange rates for #{currency.iso_code} on #{Date.today}: #{response.status}"
+      end
+    end
+  end
+end

app/models/account.rb

@@ -5,5 +5,15 @@ class Account < ApplicationRecord
 
   delegate :type_name, to: :accountable
 
-  monetize :balance_cents
+  before_create :check_currency
+
+  def check_currency
+    if self.original_currency == self.family.currency
+      self.converted_balance = self.original_balance
+      self.converted_currency = self.original_currency
+    else
+      self.converted_balance = ExchangeRate.convert(self.original_currency, self.family.currency, self.original_balance)
+      self.converted_currency = self.family.currency
+    end
+  end
 end

app/models/currency.rb

@@ -0,0 +1,2 @@
+class Currency < ApplicationRecord
+end

app/models/exchange_rate.rb

@@ -0,0 +1,6 @@
+class ExchangeRate < ApplicationRecord
+  def self.convert(from, to, amount)
+    rate = ExchangeRate.find_by(base_currency: from, converted_currency: to)
+    amount * rate.rate
+  end
+end

app/views/accounts/_account_list.html.erb

@@ -2,13 +2,13 @@
 
 <% accounts = Current.family.accounts.where(accountable_type: type.name) %>
 
-<% if accounts.sum(&:balance) > 0 %>
+<% if accounts.sum(&:converted_balance) > 0 %>
 <details class="mb-1 text-sm group">
   <summary class="flex gap-4 px-2 py-3 items-center w-full rounded-[10px] font-medium hover:bg-[#f2f2f2]">
     <%= lucide_icon("chevron-down", class: "hidden group-open:block text-[#737373] w-5 h-5") %>
     <%= lucide_icon("chevron-right", class: "group-open:hidden text-[#737373] w-5 h-5") %>
     <div class="text-left"><%= type.model_name.human %></div>
-    <div class="ml-auto"><%= humanized_money_with_symbol accounts.sum(&:balance) %></div>
+    <div class="ml-auto"><%= format_currency accounts.sum(&:converted_balance) %></div>
   </summary>
   
   <% accounts.each do |account| %>
@@ -19,7 +19,7 @@
           <p class="text-xs text-[#737373]"><%= account.subtype&.humanize %></p>
         <% end %>
       </div>
-      <p class="ml-auto font-medium"><%= humanized_money_with_symbol account.balance %></p>
+      <p class="ml-auto font-medium"><%= format_currency account.converted_balance %></p>
     </div>
   <% end %>
 

app/views/accounts/index.html.erb

@@ -4,14 +4,14 @@
 
 <% Current.family.accounts.each do |account| %>
     <div class="flex flex-row items-center justify-between px-3 py-3 mb-2 bg-white shadow-sm rounded-xl">
-      <div class="flex w-1/3 items-center text-sm">
+      <div class="flex items-center w-1/3 text-sm">
         <%= account.name %>
       </div>
-      <div class="flex w-1/3 items-center text-sm">
+      <div class="flex items-center w-1/3 text-sm">
         <%= to_accountable_title(account.accountable) %>
       </div>
       <p class="flex w-1/3 text-sm text-right">
-        <span class="block mb-1"><%= humanized_money_with_symbol account.balance %></span>
+        <span class="block mb-1"><%= format_currency account.converted_balance %></span>
       </p>
     </div>
 <% end %>

app/views/accounts/new.html.erb

@@ -69,16 +69,17 @@
     </div>
 
     <%= form_with model: @account, url: accounts_path, scope: :account, html: { class: "m-5 mt-1 flex flex-col justify-between grow", data: { turbo: false } } do |f| %>
-      <div class="space-y-4 grow">
+        <div class="space-y-4 grow">
-        <%= f.hidden_field :accountable_type %>
+          <%= f.hidden_field :accountable_type %>
 
-        <%= f.text_field :name, placeholder: 'Example account name', required: 'required', label: 'Account name' %>
+          <%= f.text_field :name, placeholder: 'Example account name', required: 'required', label: 'Account name' %>
 
-        <%= render "accounts/#{permitted_accountable_partial(@account.accountable_type)}", f: f %>
+          <%= render "accounts/#{permitted_accountable_partial(@account.accountable_type)}", f: f %>
 
-        <%= f.number_field :balance, placeholder: number_to_currency(0), in: 0.00..100000000.00, required: 'required', label: true %>
+        <%= f.number_field :original_balance, step: :any, placeholder: 0.00, in: 0.00..100000000.00, required: 'required', label: true %>
+
+        <%= f.collection_select :original_currency, Currency.all, :iso_code, :iso_code, { prompt: "Choose a currency", selected: Current.family.currency }, { required: 'required', label: "Base Currency" } %>
       </div>
-
       <%= f.submit "Add #{@account.accountable.model_name.human.downcase}" %>
     <% end %>
   <% end %>

app/views/settings/edit.html.erb

@@ -3,6 +3,8 @@
 <%= form_with model: Current.user, url: settings_path, html: { class: "space-y-4" } do |form| %>
   <%= form.fields_for :family_attributes do |family_fields| %>
     <%= family_fields.text_field :name, placeholder: "Family name", value: Current.family.name, label: "Family name" %>
+
+    <%= family_fields.select :currency, options_for_select(Currency.all.order(iso_code: :asc).map { |currency| ["#{currency.iso_code} (#{currency.name})", currency.iso_code] }, selected: Current.family.currency), { label: "Currency" } %>
   <% end %>
 
   <%= form.text_field :first_name, placeholder: "First name", value: Current.user.first_name, label: true %>

config/environments/development.rb

@@ -64,6 +64,9 @@ Rails.application.configure do
   # Highlight code that enqueued background job in logs.
   config.active_job.verbose_enqueue_logs = true
 
+  # Set Active Job queue adapter
+  config.active_job.queue_adapter = :good_job
+
 
   # Raises error for missing translations.
   # config.i18n.raise_on_missing_translations = true

config/environments/production.rb

@@ -62,7 +62,7 @@ Rails.application.configure do
   # config.cache_store = :mem_cache_store
 
   # Use a real queuing backend for Active Job (and separate queues per environment).
-  # config.active_job.queue_adapter = :resque
+  config.active_job.queue_adapter = :good_job
   # config.active_job.queue_name_prefix = "maybe_production"
 
   config.action_mailer.perform_caching = false

config/initializers/good_job.rb

@@ -0,0 +1,9 @@
+Rails.application.configure do
+  config.good_job.enable_cron = true
+  config.good_job.cron = {
+    maintenance: {
+      cron: "0 22 * * *",
+      class: "DailyExchangeRateJob"
+    }
+  }
+end

config/initializers/money.rb

@@ -1,114 +0,0 @@
-# encoding : utf-8
-
-MoneyRails.configure do |config|
-  # To set the default currency
-  #
-  config.default_currency = :usd
-
-  # Set default bank object
-  #
-  # Example:
-  # config.default_bank = EuCentralBank.new
-
-  # Add exchange rates to current money bank object.
-  # (The conversion rate refers to one direction only)
-  #
-  # Example:
-  # config.add_rate "USD", "CAD", 1.24515
-  # config.add_rate "CAD", "USD", 0.803115
-
-  # To handle the inclusion of validations for monetized fields
-  # The default value is true
-  #
-  # config.include_validations = true
-
-  # Default ActiveRecord migration configuration values for columns:
-  #
-  # config.amount_column = { prefix: '',           # column name prefix
-  #                          postfix: '_cents',    # column name  postfix
-  #                          column_name: nil,     # full column name (overrides prefix, postfix and accessor name)
-  #                          type: :integer,       # column type
-  #                          present: true,        # column will be created
-  #                          null: false,          # other options will be treated as column options
-  #                          default: 0
-  #                        }
-  #
-  # config.currency_column = { prefix: '',
-  #                            postfix: '_currency',
-  #                            column_name: nil,
-  #                            type: :string,
-  #                            present: true,
-  #                            null: false,
-  #                            default: 'USD'
-  #                          }
-
-  # Register a custom currency
-  #
-  # Example:
-  # config.register_currency = {
-  #   priority:            1,
-  #   iso_code:            "EU4",
-  #   name:                "Euro with subunit of 4 digits",
-  #   symbol:              "€",
-  #   symbol_first:        true,
-  #   subunit:             "Subcent",
-  #   subunit_to_unit:     10000,
-  #   thousands_separator: ".",
-  #   decimal_mark:        ","
-  # }
-
-  # Specify a rounding mode
-  # Any one of:
-  #
-  # BigDecimal::ROUND_UP,
-  # BigDecimal::ROUND_DOWN,
-  # BigDecimal::ROUND_HALF_UP,
-  # BigDecimal::ROUND_HALF_DOWN,
-  # BigDecimal::ROUND_HALF_EVEN,
-  # BigDecimal::ROUND_CEILING,
-  # BigDecimal::ROUND_FLOOR
-  #
-  # set to BigDecimal::ROUND_HALF_EVEN by default
-  #
-  config.rounding_mode = BigDecimal::ROUND_HALF_UP
-
-  # Set default money format globally.
-  # Default value is nil meaning "ignore this option".
-  # Example:
-  #
-  # config.default_format = {
-  #   no_cents_if_whole: nil,
-  #   symbol: nil,
-  #   sign_before_symbol: nil
-  # }
-
-  # If you would like to use I18n localization (formatting depends on the
-  # locale):
-  config.locale_backend = :i18n
-  #
-  # Example (using default localization from rails-i18n):
-  #
-  # I18n.locale = :en
-  # Money.new(10_000_00, 'USD').format # => $10,000.00
-  # I18n.locale = :es
-  # Money.new(10_000_00, 'USD').format # => $10.000,00
-  #
-  # For the legacy behaviour of "per currency" localization (formatting depends
-  # only on currency):
-  # config.locale_backend = :currency
-  #
-  # Example:
-  # Money.new(10_000_00, 'USD').format # => $10,000.00
-  # Money.new(10_000_00, 'EUR').format # => €10.000,00
-  #
-  # In case you don't need localization and would like to use default values
-  # (can be redefined using config.default_format):
-  # config.locale_backend = nil
-
-  # Set default raise_error_on_money_parsing option
-  # It will be raise error if assigned different currency
-  # The default value is false
-  #
-  # Example:
-  # config.raise_error_on_money_parsing = false
-end

config/locales/models/account/en.yml

@@ -3,11 +3,11 @@ en:
   activerecord:
     attributes:
       account:
-        balance: Balance
-        currency: Currency
         family: Family
         family_id: Family
         name: Name
+        original_balance: Balance
+        original_currency: Currency
         subtype: Subtype
     models:
       account: Account

config/routes.rb

@@ -1,4 +1,6 @@
 Rails.application.routes.draw do
+  mount GoodJob::Engine => "jobs"
+
   resource :registration
   resource :session
   resource :password_reset

config/solid_queue.yml

@@ -0,0 +1,18 @@
+# default: &default
+#   dispatchers:
+#     - polling_interval: 1
+#       batch_size: 500
+#   workers:
+#     - queues: "*"
+#       threads: 5
+#       processes: 1
+#       polling_interval: 0.1
+#
+# development:
+#  <<: *default
+#
+# test:
+#  <<: *default
+#
+# production:
+#  <<: *default

db/migrate/20240209153232_add_currency_to_families.rb

@@ -0,0 +1,5 @@
+class AddCurrencyToFamilies < ActiveRecord::Migration[7.2]
+  def change
+    add_column :families, :currency, :string, default: 'USD'
+  end
+end

db/migrate/20240209174912_redo_money_storage.rb

@@ -0,0 +1,12 @@
+class RedoMoneyStorage < ActiveRecord::Migration[7.2]
+  def change
+    add_column :accounts, :original_balance, :decimal, precision: 19, scale: 4, default: 0.0
+    add_column :accounts, :original_currency, :string, default: "USD"
+    add_column :accounts, :converted_balance, :decimal, precision: 19, scale: 4, default: 0.0
+    add_column :accounts, :converted_currency, :string, default: "USD"
+
+    remove_column :accounts, :balance_cents
+    remove_column :accounts, :balance_currency
+    remove_column :accounts, :currency
+  end
+end

db/migrate/20240209200519_create_currencies.rb

@@ -0,0 +1,12 @@
+class CreateCurrencies < ActiveRecord::Migration[7.2]
+  def change
+    create_table :currencies, id: :uuid do |t|
+      t.string :name
+      t.string :iso_code
+
+      t.timestamps
+    end
+
+    add_index :currencies, :iso_code, unique: true
+  end
+end

db/migrate/20240209200924_create_exchange_rates.rb

@@ -0,0 +1,16 @@
+class CreateExchangeRates < ActiveRecord::Migration[7.2]
+  def change
+    create_table :exchange_rates, id: :uuid do |t|
+      t.string :base_currency, null: false
+      t.string :converted_currency, null: false
+      t.decimal :rate
+      t.date :date
+
+      t.timestamps
+    end
+
+    add_index :exchange_rates, :base_currency
+    add_index :exchange_rates, :converted_currency
+    add_index :exchange_rates, %i[base_currency converted_currency date], unique: true
+  end
+end

db/migrate/20240210155058_create_good_jobs.rb

@@ -0,0 +1,91 @@
+# frozen_string_literal: true
+
+class CreateGoodJobs < ActiveRecord::Migration[7.2]
+  def change
+    # Uncomment for Postgres v12 or earlier to enable gen_random_uuid() support
+    # enable_extension 'pgcrypto'
+
+    create_table :good_jobs, id: :uuid do |t|
+      t.text :queue_name
+      t.integer :priority
+      t.jsonb :serialized_params
+      t.datetime :scheduled_at
+      t.datetime :performed_at
+      t.datetime :finished_at
+      t.text :error
+
+      t.timestamps
+
+      t.uuid :active_job_id
+      t.text :concurrency_key
+      t.text :cron_key
+      t.uuid :retried_good_job_id
+      t.datetime :cron_at
+
+      t.uuid :batch_id
+      t.uuid :batch_callback_id
+
+      t.boolean :is_discrete
+      t.integer :executions_count
+      t.text :job_class
+      t.integer :error_event, limit: 2
+      t.text :labels, array: true
+    end
+
+    create_table :good_job_batches, id: :uuid do |t|
+      t.timestamps
+      t.text :description
+      t.jsonb :serialized_properties
+      t.text :on_finish
+      t.text :on_success
+      t.text :on_discard
+      t.text :callback_queue_name
+      t.integer :callback_priority
+      t.datetime :enqueued_at
+      t.datetime :discarded_at
+      t.datetime :finished_at
+    end
+
+    create_table :good_job_executions, id: :uuid do |t|
+      t.timestamps
+
+      t.uuid :active_job_id, null: false
+      t.text :job_class
+      t.text :queue_name
+      t.jsonb :serialized_params
+      t.datetime :scheduled_at
+      t.datetime :finished_at
+      t.text :error
+      t.integer :error_event, limit: 2
+    end
+
+    create_table :good_job_processes, id: :uuid do |t|
+      t.timestamps
+      t.jsonb :state
+    end
+
+    create_table :good_job_settings, id: :uuid do |t|
+      t.timestamps
+      t.text :key
+      t.jsonb :value
+      t.index :key, unique: true
+    end
+
+    add_index :good_jobs, :scheduled_at, where: "(finished_at IS NULL)", name: :index_good_jobs_on_scheduled_at
+    add_index :good_jobs, [ :queue_name, :scheduled_at ], where: "(finished_at IS NULL)", name: :index_good_jobs_on_queue_name_and_scheduled_at
+    add_index :good_jobs, [ :active_job_id, :created_at ], name: :index_good_jobs_on_active_job_id_and_created_at
+    add_index :good_jobs, :concurrency_key, where: "(finished_at IS NULL)", name: :index_good_jobs_on_concurrency_key_when_unfinished
+    add_index :good_jobs, [ :cron_key, :created_at ], where: "(cron_key IS NOT NULL)", name: :index_good_jobs_on_cron_key_and_created_at_cond
+    add_index :good_jobs, [ :cron_key, :cron_at ], where: "(cron_key IS NOT NULL)", unique: true, name: :index_good_jobs_on_cron_key_and_cron_at_cond
+    add_index :good_jobs, [ :finished_at ], where: "retried_good_job_id IS NULL AND finished_at IS NOT NULL", name: :index_good_jobs_jobs_on_finished_at
+    add_index :good_jobs, [ :priority, :created_at ], order: { priority: "DESC NULLS LAST", created_at: :asc },
+      where: "finished_at IS NULL", name: :index_good_jobs_jobs_on_priority_created_at_when_unfinished
+    add_index :good_jobs, [ :priority, :created_at ], order: { priority: "ASC NULLS LAST", created_at: :asc },
+      where: "finished_at IS NULL", name: :index_good_job_jobs_for_candidate_lookup
+    add_index :good_jobs, [ :batch_id ], where: "batch_id IS NOT NULL"
+    add_index :good_jobs, [ :batch_callback_id ], where: "batch_callback_id IS NOT NULL"
+    add_index :good_jobs, :labels, using: :gin, where: "(labels IS NOT NULL)", name: :index_good_jobs_on_labels
+
+    add_index :good_job_executions, [ :active_job_id, :created_at ], name: :index_good_job_executions_on_active_job_id_and_created_at
+  end
+end

db/schema.rb

@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2024_02_06_031739) do
+ActiveRecord::Schema[7.2].define(version: 2024_02_10_155058) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -59,21 +59,122 @@ ActiveRecord::Schema[7.2].define(version: 2024_02_06_031739) do
     t.string "subtype"
     t.uuid "family_id", null: false
     t.string "name"
-    t.string "currency", default: "USD"
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
     t.string "accountable_type"
     t.uuid "accountable_id"
-    t.bigint "balance_cents", default: 0, null: false
+    t.decimal "original_balance", precision: 19, scale: 4, default: "0.0"
-    t.string "balance_currency", default: "USD", null: false
+    t.string "original_currency", default: "USD"
+    t.decimal "converted_balance", precision: 19, scale: 4, default: "0.0"
+    t.string "converted_currency", default: "USD"
     t.index ["accountable_type"], name: "index_accounts_on_accountable_type"
     t.index ["family_id"], name: "index_accounts_on_family_id"
   end
 
+  create_table "currencies", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.string "name"
+    t.string "iso_code"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["iso_code"], name: "index_currencies_on_iso_code", unique: true
+  end
+
+  create_table "exchange_rates", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.string "base_currency", null: false
+    t.string "converted_currency", null: false
+    t.decimal "rate"
+    t.date "date"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["base_currency", "converted_currency", "date"], name: "idx_on_base_currency_converted_currency_date_255be792be", unique: true
+    t.index ["base_currency"], name: "index_exchange_rates_on_base_currency"
+    t.index ["converted_currency"], name: "index_exchange_rates_on_converted_currency"
+  end
+
   create_table "families", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.string "name"
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
+    t.string "currency", default: "USD"
+  end
+
+  create_table "good_job_batches", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.text "description"
+    t.jsonb "serialized_properties"
+    t.text "on_finish"
+    t.text "on_success"
+    t.text "on_discard"
+    t.text "callback_queue_name"
+    t.integer "callback_priority"
+    t.datetime "enqueued_at"
+    t.datetime "discarded_at"
+    t.datetime "finished_at"
+  end
+
+  create_table "good_job_executions", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.uuid "active_job_id", null: false
+    t.text "job_class"
+    t.text "queue_name"
+    t.jsonb "serialized_params"
+    t.datetime "scheduled_at"
+    t.datetime "finished_at"
+    t.text "error"
+    t.integer "error_event", limit: 2
+    t.index ["active_job_id", "created_at"], name: "index_good_job_executions_on_active_job_id_and_created_at"
+  end
+
+  create_table "good_job_processes", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.jsonb "state"
+  end
+
+  create_table "good_job_settings", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.text "key"
+    t.jsonb "value"
+    t.index ["key"], name: "index_good_job_settings_on_key", unique: true
+  end
+
+  create_table "good_jobs", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.text "queue_name"
+    t.integer "priority"
+    t.jsonb "serialized_params"
+    t.datetime "scheduled_at"
+    t.datetime "performed_at"
+    t.datetime "finished_at"
+    t.text "error"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.uuid "active_job_id"
+    t.text "concurrency_key"
+    t.text "cron_key"
+    t.uuid "retried_good_job_id"
+    t.datetime "cron_at"
+    t.uuid "batch_id"
+    t.uuid "batch_callback_id"
+    t.boolean "is_discrete"
+    t.integer "executions_count"
+    t.text "job_class"
+    t.integer "error_event", limit: 2
+    t.text "labels", array: true
+    t.index ["active_job_id", "created_at"], name: "index_good_jobs_on_active_job_id_and_created_at"
+    t.index ["batch_callback_id"], name: "index_good_jobs_on_batch_callback_id", where: "(batch_callback_id IS NOT NULL)"
+    t.index ["batch_id"], name: "index_good_jobs_on_batch_id", where: "(batch_id IS NOT NULL)"
+    t.index ["concurrency_key"], name: "index_good_jobs_on_concurrency_key_when_unfinished", where: "(finished_at IS NULL)"
+    t.index ["cron_key", "created_at"], name: "index_good_jobs_on_cron_key_and_created_at_cond", where: "(cron_key IS NOT NULL)"
+    t.index ["cron_key", "cron_at"], name: "index_good_jobs_on_cron_key_and_cron_at_cond", unique: true, where: "(cron_key IS NOT NULL)"
+    t.index ["finished_at"], name: "index_good_jobs_jobs_on_finished_at", where: "((retried_good_job_id IS NULL) AND (finished_at IS NOT NULL))"
+    t.index ["labels"], name: "index_good_jobs_on_labels", where: "(labels IS NOT NULL)", using: :gin
+    t.index ["priority", "created_at"], name: "index_good_job_jobs_for_candidate_lookup", where: "(finished_at IS NULL)"
+    t.index ["priority", "created_at"], name: "index_good_jobs_jobs_on_priority_created_at_when_unfinished", order: { priority: "DESC NULLS LAST" }, where: "(finished_at IS NULL)"
+    t.index ["queue_name", "scheduled_at"], name: "index_good_jobs_on_queue_name_and_scheduled_at", where: "(finished_at IS NULL)"
+    t.index ["scheduled_at"], name: "index_good_jobs_on_scheduled_at", where: "(finished_at IS NULL)"
   end
 
   create_table "invite_codes", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|

db/seeds.rb

@@ -9,9 +9,13 @@
 #   end
 
 # Create the default user
-family = Family.create_or_find_by!(name: "The Maybe Family")
+family = Family.create_or_find_by(name: "The Maybe Family")
 puts "Family created: #{family.name}"
-user = User.create_or_find_by!(
+user = User.create_or_find_by(email: "user@maybe.local") do |u|
-  first_name: "Josh", last_name: "Maybe", email: "user@maybe.local",
+  u.first_name = "Josh"
-  password: "password", password_confirmation: "password", family_id: family.id)
+  u.last_name = "Maybe"
+  u.password = "password"
+  u.password_confirmation = "password"
+  u.family_id = family.id
+end
 puts "User created: #{user.email} for family: #{family.name}"

lib/tasks/currencies.rake

@@ -0,0 +1,28 @@
+namespace :currencies do
+  desc "Seed Currencies"
+  task seed: :environment do
+    currencies = ENV["CURRENCIES"].split(",")
+
+    if currencies.count > 1 && ENV["OPEN_EXCHANGE_APP_ID"].present?
+      url = "https://openexchangerates.org/api/currencies.json"
+
+      response = Faraday.get(url) do |req|
+        req.params["app_id"] = ENV["OPEN_EXCHANGE_APP_ID"]
+      end
+
+      oxr_currencies = JSON.parse(response.body)
+
+      currencies.each do |iso_code|
+        Currency.find_or_create_by(iso_code: iso_code) do |c|
+          c.name = oxr_currencies[iso_code]
+        end
+      end
+
+      puts "Currencies created: #{Currency.count}"
+    elsif currencies.count == 1
+      Currency.find_or_create_by(iso_code: currencies.first)
+    else
+      puts "No currencies found in ENV['CURRENCIES']"
+    end
+  end
+end

lib/tasks/exchange_rates.rake

@@ -0,0 +1,83 @@
+namespace :exchange_rates do
+  desc "Fetch exchange rates from openexchangerates.org"
+  task sync: :environment do
+    app_id = ENV["OPEN_EXCHANGE_APP_ID"]
+    MININUM_DATE_RANGE = 30.days
+    MAXIMUM_DATE_RANGE = 120.days
+
+    # First, check what plan the user is on at OXR
+    # If the user is on the Developer plan, we can only fetch exchange rates for the past 30 days and must use the historical endpoint
+    account_check = Faraday.get("https://openexchangerates.org/api/usage.json") do |req|
+      req.params["app_id"] = app_id
+    end
+    account_details = JSON.parse(account_check.body)
+    quota_limit = account_details["data"]["usage"]["requests_quota"]
+
+    if quota_limit <= 10000
+      # First loop through all Currency records and fetch exchange rates for each, but use the historical endpoint, which only allows fetching one day at a time. For each currency, set the base currency to the currency's iso_code and the symbols to all other currencies' iso_codes
+      Currency.all.each do |currency|
+        (Date.today - MININUM_DATE_RANGE).upto(Date.today) do |date|
+          response = Faraday.get("https://openexchangerates.org/api/historical/#{date}.json") do |req|
+            req.params["app_id"] = app_id
+            req.params["base"] = currency.iso_code
+            req.params["symbols"] = Currency.where.not(iso_code: currency.iso_code).pluck(:iso_code).join(",")
+          end
+
+          if response.success?
+            rates = JSON.parse(response.body)["rates"]
+
+            rates.each do |currency_iso_code, value|
+              ExchangeRate.find_or_create_by(date: date, base_currency: currency.iso_code, converted_currency: currency_iso_code) do |exchange_rate|
+                exchange_rate.rate = value
+              end
+              puts "#{currency.iso_code} to #{currency_iso_code} on #{date}: #{value}"
+            end
+          else
+            puts "Failed to fetch exchange rates for #{currency.iso_code} on #{date}: #{response.status}"
+          end
+        end
+      end
+    else
+      # Use Faraday to make a request openexchangerates.org time series endpoint
+      # Use the response to create or update exchange rates in the database
+      url = "https://openexchangerates.org/api/time-series.json"
+      start_date = (Date.today - MAXIMUM_DATE_RANGE).to_s
+      end_date = Date.today.to_s
+
+      # Loop through all Currency records and fetch exchange rates for each
+      Currency.all.each do |currency|
+        start_period = Date.parse(start_date)
+        end_period = Date.parse(end_date)
+
+        while start_period < end_period
+          current_end_date = [ start_period + 30.days, end_period ].min
+
+          response = Faraday.get(url) do |req|
+            req.params["app_id"] = app_id
+            req.params["start"] = start_period.to_s
+            req.params["end"] = current_end_date.to_s
+            req.params["base"] = currency.iso_code
+            req.params["symbols"] = Currency.where.not(iso_code: currency.iso_code).pluck(:iso_code).join(",")
+          end
+
+          if response.success?
+            rates = JSON.parse(response.body)["rates"]
+
+            rates.each do |date, rate|
+              rate.each do |currency_iso_code, value|
+                ExchangeRate.find_or_create_by(date: date, base_currency: currency.iso_code, converted_currency: currency_iso_code) do |exchange_rate|
+                  exchange_rate.rate = value
+                end
+                puts "#{currency.iso_code} to #{currency_iso_code} on #{date}: #{value}"
+              end
+            end
+          else
+            puts "Failed to fetch exchange rates for period #{start_period} to #{current_end_date}: #{response.status}"
+          end
+
+          start_period = current_end_date + 1.day
+        end
+      end
+    end
+  end
+end

test/fixtures/accounts.yml

@@ -1,14 +1,14 @@
 dylan_checking:
   family: dylan_family
   name: Bob's Checking
-  balance_cents: 1200
+  original_balance: 1200
 
 dylan_roth:
   family: dylan_family
   name: Bob's Roth IRA
-  balance_cents: 1200
+  original_balance: 1200
 
 richards_savings:
   family: richards_family
   name: Keef's HYSA
-  balance_cents: 1500
+  original_balance: 1500

test/fixtures/currencies.yml

@@ -0,0 +1,9 @@
+# Read about fixtures at https://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+# one:
+#   name: MyString
+#   iso_code: MyString
+
+# two:
+#   name: MyString
+#   iso_code: MyString

test/fixtures/exchange_rates.yml

@@ -0,0 +1,13 @@
+# Read about fixtures at https://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+one:
+  base_currency: one
+  converted_currency: one
+  rate: 9.99
+  date: 2024-02-09
+
+two:
+  base_currency: two
+  converted_currency: two
+  rate: 9.99
+  date: 2024-02-09

test/jobs/convert_currency_job_test.rb

@@ -0,0 +1,7 @@
+require "test_helper"
+
+class ConvertCurrencyJobTest < ActiveJob::TestCase
+  # test "the truth" do
+  #   assert true
+  # end
+end

test/jobs/daily_exchange_rate_job_test.rb

@@ -0,0 +1,7 @@
+require "test_helper"
+
+class DailyExchangeRateJobTest < ActiveJob::TestCase
+  # test "the truth" do
+  #   assert true
+  # end
+end

test/models/account_test.rb

@@ -3,7 +3,7 @@ require "test_helper"
 class AccountTest < ActiveSupport::TestCase
   def setup
     depository = Account::Depository.create!
-    @account = Account.create!(family: families(:dylan_family), name: "Explicit Checking", balance_cents: 1200, accountable: depository)
+    @account = Account.create!(family: families(:dylan_family), name: "Explicit Checking", original_balance: 1200, accountable: depository)
   end
 
   test "new account should be valid" do
@@ -11,21 +11,4 @@ class AccountTest < ActiveSupport::TestCase
     assert_not_nil @account.accountable_id
     assert_not_nil @account.accountable
   end
-
-  test "balance returns Money object" do
-    @account.balance = 10
-    assert_instance_of Money, @account.balance
-    assert_equal :usd, @account.balance.currency.id
-  end
-
-  test "correctly assigns Money objects to the attribute" do
-    @account.balance = Money.new(2500, "USD")
-    assert_equal 2500, @account.balance_cents
-  end
-
-  test "balance_cents can be updated" do
-    new_balance = Money.new(10000, "USD")
-    @account.balance = new_balance
-    assert_equal new_balance, @account.balance
-  end
 end

test/models/currency_test.rb

@@ -0,0 +1,7 @@
+require "test_helper"
+
+class CurrencyTest < ActiveSupport::TestCase
+  # test "the truth" do
+  #   assert true
+  # end
+end

test/models/exchange_rate_test.rb

@@ -0,0 +1,7 @@
+require "test_helper"
+
+class ExchangeRateTest < ActiveSupport::TestCase
+  # test "the truth" do
+  #   assert true
+  # end
+end