Test raw payloads on plaid accounts

app/models/plaid_item/accounts_snapshot.rb

@@ -41,10 +41,14 @@ class PlaidItem::AccountsSnapshot
     def account_scoped_investments_data(account_id)
       return nil unless investments_data
 
+      transactions = investments_data.transactions.select { |t| t.account_id == account_id }
+      holdings = investments_data.holdings.select { |h| h.account_id == account_id }
+      securities = transactions.count > 0 && holdings.count > 0 ? investments_data.securities : []
+
       InvestmentsData.new(
-        transactions: investments_data.transactions.select { |t| t.account_id == account_id },
+        transactions: transactions,
-        holdings: investments_data.holdings.select { |h| h.account_id == account_id },
+        holdings: holdings,
-        securities: investments_data.securities
+        securities: securities
       )
     end
 

test/models/plaid_account/importer_test.rb

@@ -18,5 +18,18 @@ class PlaidAccount::ImporterTest < ActiveSupport::TestCase
     assert_equal @account_snapshot.account_data.mask, @plaid_account.mask
     assert_equal @account_snapshot.account_data.type, @plaid_account.plaid_type
     assert_equal @account_snapshot.account_data.subtype, @plaid_account.plaid_subtype
+
+    # This account has transactions data
+    assert_equal PlaidMock::TRANSACTIONS.count, @plaid_account.raw_transactions_payload["added"].count
+
+    # This account does not have investment data
+    assert_equal 0, @plaid_account.raw_investments_payload["holdings"].count
+    assert_equal 0, @plaid_account.raw_investments_payload["securities"].count
+    assert_equal 0, @plaid_account.raw_investments_payload["transactions"].count
+
+    # This account is a credit card, so it should have liability data
+    assert_equal @plaid_account.plaid_id, @plaid_account.raw_liabilities_payload["credit"]["account_id"]
+    assert_nil @plaid_account.raw_liabilities_payload["mortgage"]
+    assert_nil @plaid_account.raw_liabilities_payload["student"]
   end
 end

test/models/plaid_item/importer_test.rb

@@ -16,7 +16,8 @@ class PlaidItem::ImporterTest < ActiveSupport::TestCase
     assert_equal PlaidMock::ITEM.institution_id, @plaid_item.institution_id
     assert_equal PlaidMock::ITEM.available_products, @plaid_item.available_products
     assert_equal PlaidMock::ITEM.billed_products, @plaid_item.billed_products
-    assert_not_nil @plaid_item.raw_payload
+
-    assert_not_nil @plaid_item.raw_institution_payload
+    assert_equal PlaidMock::ITEM.item_id, @plaid_item.raw_payload["item_id"]
+    assert_equal PlaidMock::INSTITUTION.institution_id, @plaid_item.raw_institution_payload["institution_id"]
   end
 end

test/support/plaid_mock.rb

@@ -1,11 +1,19 @@
 require "ostruct"
 
+# Lightweight wrapper that allows Ostruct objects to properly serialize to JSON
+# for storage on PlaidItem / PlaidAccount JSONB columns
+class MockData < OpenStruct
+  def as_json(options = {})
+    @table.as_json(options)
+  end
+end
+
 # A basic Plaid provider mock that returns static payloads for testing
 class PlaidMock
   TransactionSyncResponse = Struct.new(:added, :modified, :removed, :cursor, keyword_init: true)
   InvestmentsResponse      = Struct.new(:holdings, :transactions, :securities, keyword_init: true)
 
-  ITEM = OpenStruct.new(
+  ITEM = MockData.new(
     item_id: "item_mock_1",
     institution_id: "ins_mock",
     institution_name: "Mock Institution",
@@ -13,31 +21,31 @@ class PlaidMock
     billed_products:     %w[transactions investments liabilities]
   )
 
-  INSTITUTION = OpenStruct.new(
+  INSTITUTION = MockData.new(
     institution_id: "ins_mock",
     institution_name: "Mock Institution"
   )
 
   ACCOUNTS = [
-    OpenStruct.new(
+    MockData.new(
       account_id: "acc_mock_1",
       name:       "Mock Checking",
       mask:       "1111",
       type:       "depository",
       subtype:    "checking",
-      balances:   OpenStruct.new(
+      balances:   MockData.new(
         current:           1_000.00,
         available:         800.00,
         iso_currency_code: "USD"
       )
     ),
-    OpenStruct.new(
+    MockData.new(
       account_id: "acc_mock_2",
       name:       "Mock Brokerage",
       mask:       "2222",
       type:       "investment",
       subtype:    "brokerage",
-      balances:   OpenStruct.new(
+      balances:   MockData.new(
         current:           15_000.00,
         available:         15_000.00,
         iso_currency_code: "USD"
@@ -46,7 +54,7 @@ class PlaidMock
   ]
 
   SECURITIES = [
-    OpenStruct.new(
+    MockData.new(
       security_id:             "sec_mock_1",
       ticker_symbol:           "AAPL",
       proxy_security_id:       nil,
@@ -55,7 +63,7 @@ class PlaidMock
       is_cash_equivalent:      false
     ),
     # Cash security representation – used to exclude cash-equivalent holdings
-    OpenStruct.new(
+    MockData.new(
       security_id:             "sec_mock_cash",
       ticker_symbol:           "CUR:USD",
       proxy_security_id:       nil,
@@ -66,7 +74,7 @@ class PlaidMock
   ]
 
   TRANSACTIONS = [
-    OpenStruct.new(
+    MockData.new(
       transaction_id:            "txn_mock_1",
       account_id:                "acc_mock_1",
       merchant_name:             "Mock Coffee",
@@ -82,7 +90,7 @@ class PlaidMock
   ]
 
   INVESTMENT_TRANSACTIONS = [
-    OpenStruct.new(
+    MockData.new(
       investment_transaction_id: "inv_txn_mock_1",
       account_id:               "acc_mock_2",
       security_id:              "sec_mock_1",
@@ -94,7 +102,7 @@ class PlaidMock
       iso_currency_code:        "USD",
       date:                     Date.current.to_s
     ),
-    OpenStruct.new(
+    MockData.new(
       investment_transaction_id: "inv_txn_mock_cash",
       account_id:               "acc_mock_2",
       security_id:              "sec_mock_cash",
@@ -109,14 +117,14 @@ class PlaidMock
   ]
 
   HOLDINGS = [
-    OpenStruct.new(
+    MockData.new(
       account_id:              "acc_mock_2",
       security_id:             "sec_mock_1",
       quantity:                10,
       institution_price:       150.00,
       iso_currency_code:       "USD"
     ),
-    OpenStruct.new(
+    MockData.new(
       account_id:              "acc_mock_2",
       security_id:             "sec_mock_cash",
       quantity:                200.0,
@@ -127,22 +135,22 @@ class PlaidMock
 
   LIABILITIES = {
     credit: [
-      OpenStruct.new(
+      MockData.new(
         account_id:              "acc_mock_1",
         minimum_payment_amount:   25.00,
-        aprs:                    [ OpenStruct.new(apr_percentage: 19.99) ]
+        aprs:                    [ MockData.new(apr_percentage: 19.99) ]
       )
     ],
     mortgage: [
-      OpenStruct.new(
+      MockData.new(
         account_id:                  "acc_mock_3",
         origination_principal_amount: 250_000,
         origination_date:             10.years.ago.to_date.to_s,
-        interest_rate:               OpenStruct.new(type: "fixed", percentage: 3.5)
+        interest_rate:               MockData.new(type: "fixed", percentage: 3.5)
       )
     ],
     student: [
-      OpenStruct.new(
+      MockData.new(
         account_id:                  "acc_mock_4",
         origination_principal_amount: 50_000,
         origination_date:             6.years.ago.to_date.to_s,
@@ -152,7 +160,7 @@ class PlaidMock
   }
 
   def get_link_token(*, **)
-    OpenStruct.new(link_token: "link-mock-123")
+    MockData.new(link_token: "link-mock-123")
   end
 
   def create_public_token(username: nil)
@@ -160,23 +168,23 @@ class PlaidMock
   end
 
   def exchange_public_token(_token)
-    OpenStruct.new(access_token: "access-mock-123")
+    MockData.new(access_token: "access-mock-123")
   end
 
   def get_item(_access_token)
-    OpenStruct.new(
+    MockData.new(
       item: ITEM
     )
   end
 
   def get_institution(institution_id)
-    OpenStruct.new(
+    MockData.new(
       institution: INSTITUTION
     )
   end
 
   def get_item_accounts(_item_or_token)
-    OpenStruct.new(accounts: ACCOUNTS)
+    MockData.new(accounts: ACCOUNTS)
   end
 
   def get_transactions(access_token, next_cursor: nil)
@@ -197,7 +205,7 @@ class PlaidMock
   end
 
   def get_item_liabilities(_item_or_token)
-    OpenStruct.new(
+    MockData.new(
       credit:   LIABILITIES[:credit],
       mortgage: LIABILITIES[:mortgage],
       student:  LIABILITIES[:student]