Show UI warning to user when they need provider data but have not setup Synth yet (#1926)

* Simplify provider concerns

* Update tests

* Add UI warning for missing Synth key if family requires external data

app/controllers/securities_controller.rb

@@ -3,7 +3,7 @@ class SecuritiesController < ApplicationController
     query = params[:q]
     return render json: [] if query.blank? || query.length < 2 || query.length > 100
 
-    @securities = Security.search({
+    @securities = Security.search_provider({
       search: query,
       country: params[:country_code] == "US" ? "US" : nil
     })

app/jobs/fetch_security_info_job.rb

@@ -2,7 +2,7 @@ class FetchSecurityInfoJob < ApplicationJob
   queue_as :latency_low
 
   def perform(security_id)
-    return unless Security.security_info_provider.present?
+    return unless Security.provider.present?
 
     security = Security.find(security_id)
 
@@ -12,7 +12,7 @@ class FetchSecurityInfoJob < ApplicationJob
     params[:mic_code] = security.exchange_mic if security.exchange_mic.present?
     params[:operating_mic] = security.exchange_operating_mic if security.exchange_operating_mic.present?
 
-    security_info_response = Security.security_info_provider.fetch_security_info(**params)
+    security_info_response = Security.provider.fetch_security_info(**params)
 
     security.update(
       name: security_info_response.info.dig("name")

app/models/account/data_enricher.rb

@@ -1,6 +1,4 @@
 class Account::DataEnricher
-  include Providable
-
   attr_reader :account
 
   def initialize(account)
@@ -37,7 +35,7 @@ class Account::DataEnricher
 
     candidates.each do |entry|
       begin
-        info = self.class.synth_provider.enrich_transaction(entry.name).info
+        info = entry.fetch_enrichment_info
 
         next unless info.present?
 

app/models/account/entry.rb

@@ -1,5 +1,5 @@
 class Account::Entry < ApplicationRecord
-  include Monetizable
+  include Monetizable, Provided
 
   monetize :amount
 

app/models/account/entry/provided.rb

@@ -0,0 +1,11 @@
+module Account::Entry::Provided
+  extend ActiveSupport::Concern
+
+  include Synthable
+
+  def fetch_enrichment_info
+    return nil unless synth_client.present?
+
+    synth_client.enrich_transaction(name).info
+  end
+end

app/models/concerns/providable.rb

@@ -1,35 +0,0 @@
-# `Providable` serves as an extension point for integrating multiple providers.
-# For an example of a multi-provider, multi-concept implementation,
-# see: https://github.com/maybe-finance/maybe/pull/561
-
-module Providable
-  extend ActiveSupport::Concern
-
-  class_methods do
-    def security_prices_provider
-      synth_provider
-    end
-
-    def security_info_provider
-      synth_provider
-    end
-
-    def exchange_rates_provider
-      synth_provider
-    end
-
-    def git_repository_provider
-      Provider::Github.new
-    end
-
-    def synth_provider
-      api_key = self_hosted? ? Setting.synth_api_key : ENV["SYNTH_API_KEY"]
-      api_key.present? ? Provider::Synth.new(api_key) : nil
-    end
-
-    private
-      def self_hosted?
-        Rails.application.config.app_mode.self_hosted?
-      end
-  end
-end

app/models/concerns/synthable.rb

@@ -0,0 +1,37 @@
+module Synthable
+  extend ActiveSupport::Concern
+
+  class_methods do
+    def synth_usage
+      synth_client&.usage
+    end
+
+    def synth_overage?
+      synth_usage&.usage&.utilization.to_i >= 100
+    end
+
+    def synth_healthy?
+      synth_client&.healthy?
+    end
+
+    def synth_client
+      api_key = ENV.fetch("SYNTH_API_KEY", Setting.synth_api_key)
+
+      return nil unless api_key.present?
+
+      Provider::Synth.new(api_key)
+    end
+  end
+
+  def synth_client
+    self.class.synth_client
+  end
+
+  def synth_usage
+    self.class.synth_usage
+  end
+
+  def synth_overage?
+    self.class.synth_overage?
+  end
+end

app/models/exchange_rate/provided.rb

@@ -1,19 +1,18 @@
 module ExchangeRate::Provided
   extend ActiveSupport::Concern
 
-  include Providable
+  include Synthable
 
   class_methods do
-    def provider_healthy?
-      exchange_rates_provider.present? && exchange_rates_provider.healthy?
+    def provider
+      synth_client
     end
 
     private
-
       def fetch_rates_from_provider(from:, to:, start_date:, end_date: Date.current, cache: false)
-        return [] unless exchange_rates_provider.present?
+        return [] unless provider.present?
 
-        response = exchange_rates_provider.fetch_exchange_rates \
+        response = provider.fetch_exchange_rates \
           from: from,
           to: to,
           start_date: start_date,
@@ -38,9 +37,9 @@ module ExchangeRate::Provided
       end
 
       def fetch_rate_from_provider(from:, to:, date:, cache: false)
-        return nil unless exchange_rates_provider.present?
+        return nil unless provider.present?
 
-        response = exchange_rates_provider.fetch_exchange_rate \
+        response = provider.fetch_exchange_rate \
           from: from,
           to: to,
           date: date

app/models/family.rb

@@ -1,5 +1,5 @@
 class Family < ApplicationRecord
-  include Providable, Plaidable, Syncable, AutoTransferMatchable
+  include Synthable, Plaidable, Syncable, AutoTransferMatchable
 
   DATE_FORMATS = [
     [ "MM-DD-YYYY", "%m-%d-%Y" ],
@@ -92,22 +92,25 @@ class Family < ApplicationRecord
     ).link_token
   end
 
-  def synth_usage
-    self.class.synth_provider&.usage
-  end
-
-  def synth_overage?
-    self.class.synth_provider&.usage&.utilization.to_i >= 100
-  end
-
-  def synth_valid?
-    self.class.synth_provider&.healthy?
-  end
-
   def subscribed?
     stripe_subscription_status == "active"
   end
 
+  def requires_data_provider?
+    # If family has any trades, they need a provider for historical prices
+    return true if trades.any?
+
+    # If family has any accounts not denominated in the family's currency, they need a provider for historical exchange rates
+    return true if accounts.where.not(currency: self.currency).any?
+
+    # If family has any entries in different currencies, they need a provider for historical exchange rates
+    uniq_currencies = entries.pluck(:currency).uniq
+    return true if uniq_currencies.count > 1
+    return true if uniq_currencies.first != self.currency
+
+    false
+  end
+
   def primary_user
     users.order(:created_at).first
   end

app/models/security.rb

@@ -1,5 +1,5 @@
 class Security < ApplicationRecord
-  include Providable
+  include Provided
 
   before_save :upcase_ticker
 
@@ -9,21 +9,6 @@ class Security < ApplicationRecord
   validates :ticker, presence: true
   validates :ticker, uniqueness: { scope: :exchange_operating_mic, case_sensitive: false }
 
-  class << self
-    def provider
-      security_prices_provider
-    end
-
-    def search(query)
-      security_prices_provider.search_securities(
-        query: query[:search],
-        dataset: "limited",
-        country_code: query[:country],
-        exchange_operating_mic: query[:exchange_operating_mic]
-      ).securities.map { |attrs| new(**attrs) }
-    end
-  end
-
   def current_price
     @current_price ||= Security::Price.find_price(security: self, date: Date.current)
     return nil if @current_price.nil?

app/models/security/price/provided.rb

@@ -1,16 +1,19 @@
 module Security::Price::Provided
   extend ActiveSupport::Concern
 
-  include Providable
+  include Synthable
 
   class_methods do
-    private
+    def provider
+      synth_client
+    end
 
+    private
       def fetch_price_from_provider(security:, date:, cache: false)
-        return nil unless security_prices_provider.present?
+        return nil unless provider.present?
         return nil unless security.has_prices?
 
-        response = security_prices_provider.fetch_security_prices \
+        response = provider.fetch_security_prices \
           ticker: security.ticker,
           mic_code: security.exchange_mic,
           start_date: date,
@@ -31,11 +34,11 @@ module Security::Price::Provided
       end
 
       def fetch_prices_from_provider(security:, start_date:, end_date:, cache: false)
-        return [] unless security_prices_provider.present?
+        return [] unless provider.present?
         return [] unless security
         return [] unless security.has_prices?
 
-        response = security_prices_provider.fetch_security_prices \
+        response = provider.fetch_security_prices \
           ticker: security.ticker,
           mic_code: security.exchange_mic,
           start_date: start_date,

app/models/security/provided.rb

@@ -0,0 +1,26 @@
+module Security::Provided
+  extend ActiveSupport::Concern
+
+  include Synthable
+
+  class_methods do
+    def provider
+      synth_client
+    end
+
+    def search_provider(query)
+      response = provider.search_securities(
+        query: query[:search],
+        dataset: "limited",
+        country_code: query[:country],
+        exchange_operating_mic: query[:exchange_operating_mic]
+      )
+
+      if response.success?
+        response.securities.map { |attrs| new(**attrs) }
+      else
+        []
+      end
+    end
+  end
+end

app/models/trade_import.rb

@@ -75,10 +75,7 @@ class TradeImport < Import
       return internal_security if internal_security.present?
 
       # If security prices provider isn't properly configured or available, create with nil exchange_operating_mic
-      provider = Security.security_prices_provider
-      unless provider.present? && provider.respond_to?(:search_securities)
-        return Security.find_or_create_by!(ticker: ticker, exchange_operating_mic: nil)
-      end
+      return Security.find_or_create_by!(ticker: ticker, exchange_operating_mic: nil) unless Security.provider.present?
 
       # Cache provider responses so that when we're looping through rows and importing,
       # we only hit our provider for the unique combinations of ticker / exchange_operating_mic
@@ -86,18 +83,10 @@ class TradeImport < Import
       @provider_securities_cache ||= {}
 
       provider_security = @provider_securities_cache[cache_key] ||= begin
-        response = provider.search_securities(
+        Security.search_provider(
           query: ticker,
           exchange_operating_mic: exchange_operating_mic
-        )
-
-        if !response || !response.success? || !response.securities || response.securities.empty?
-          nil
-        else
-          response.securities.first
-        end
-      rescue => e
-        nil
+        ).first
       end
 
       return Security.find_or_create_by!(ticker: ticker, exchange_operating_mic: nil) if provider_security.nil?

app/models/upgrader/provided.rb

@@ -1,11 +1,14 @@
 module Upgrader::Provided
   extend ActiveSupport::Concern
-  include Providable
 
   class_methods do
     private
       def fetch_latest_upgrade_candidates_from_provider
         git_repository_provider.fetch_latest_upgrade_candidates
       end
+
+      def git_repository_provider
+        Provider::Github.new
+      end
   end
 end

app/views/accounts/_account_sidebar_tabs.html.erb

@@ -1,5 +1,25 @@
 <%# locals: (family:) %>
 
+<% if family.requires_data_provider? && family.synth_client.nil? %>
+  <details class="group bg-yellow-tint-10 rounded-lg p-2 text-yellow-600 mb-3 text-xs">
+    <summary class="flex items-center justify-between gap-2">
+      <div class="flex items-center gap-2">
+        <%= icon "triangle-alert", size: "sm" %>
+        <p class="font-medium">Missing historical data</p>
+      </div>
+
+      <%= lucide_icon "chevron-down", class: "text-yellow-600 group-open:transform group-open:rotate-180 w-5" %>
+    </summary>
+    <div class="text-xs py-2 space-y-2">
+      <p>Maybe uses Synth API to fetch historical exchange rates, security prices, and more.  This data is required to calculate accurate historical account balances.</p>
+
+      <p>
+        <%= link_to "Add your Synth API key here.", settings_hosting_path, class: "text-yellow-600 underline" %>
+      </p>
+    </div>
+  </details>
+<% end %>
+
 <div
   class="space-y-3"
   data-controller="tabs"

app/views/import/configurations/_trade_import.html.erb

@@ -23,11 +23,10 @@
     <%= form.select :account_col_label, import.csv_headers, { include_blank: "Leave empty", label: "Account (optional)" } %>
     <%= form.select :name_col_label, import.csv_headers, { include_blank: "Leave empty", label: "Name (optional)" } %>
 
-    <% if Security.security_prices_provider.nil? %>
+    <% unless Security.provider %>
       <div class="alert alert-warning">
         <p>
-          <strong>Note:</strong> The Synth provider is not configured. Exchange validation is disabled.
-          Securities will be created without exchange validation, and price history will not be available.
+          <strong>Note:</strong> The security prices provider is not configured.  Your trade imports will work, but Maybe will not backfill price history.  Please go to your settings to configure this.
         </p>
       </div>
     <% end %>

app/views/settings/hostings/_synth_settings.html.erb

@@ -1,7 +1,11 @@
 <div class="space-y-4">
   <div>
     <h2 class="font-medium mb-1"><%= t(".title") %></h2>
-    <p class="text-secondary text-sm mb-4"><%= t(".description") %></p>
+    <% if ENV["SYNTH_API_KEY"].present? %>
+      <p class="text-sm text-secondary">You have successfully configured your Synth API key through the SYNTH_API_KEY environment variable.</p>
+    <% else %>
+      <p class="text-secondary text-sm mb-4"><%= t(".description") %></p>
+    <% end %>
   </div>
 
   <%= styled_form_with model: Setting.new,
@@ -15,7 +19,8 @@
                         label: t(".label"),
                         type: "password",
                         placeholder: t(".placeholder"),
-                        value: Setting.synth_api_key,
+                        value: ENV.fetch("SYNTH_API_KEY", Setting.synth_api_key),
+                        disabled: ENV["SYNTH_API_KEY"].present?,
                         container_class: @synth_usage.present? && !@synth_usage.success? ? "border-red-500" : "",
                         data: { "auto-submit-form-target": "auto" } %>
   <% end %>

test/models/exchange_rate_test.rb

@@ -5,14 +5,16 @@ class ExchangeRateTest < ActiveSupport::TestCase
   setup do
     @provider = mock
 
-    ExchangeRate.stubs(:exchange_rates_provider).returns(@provider)
+    ExchangeRate.stubs(:provider).returns(@provider)
   end
 
   test "exchange rate provider nil if no api key configured" do
-    ExchangeRate.unstub(:exchange_rates_provider)
+    ExchangeRate.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
 
     with_env_overrides SYNTH_API_KEY: nil do
-      assert_not ExchangeRate.exchange_rates_provider
+      assert_not ExchangeRate.provider
     end
   end
 
@@ -42,7 +44,9 @@ class ExchangeRateTest < ActiveSupport::TestCase
   end
 
   test "nil if rate is not found in DB and provider is disabled" do
-    ExchangeRate.unstub(:exchange_rates_provider)
+    ExchangeRate.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
 
     with_env_overrides SYNTH_API_KEY: nil do
       assert_not ExchangeRate.find_rate(from: "USD", to: "EUR", date: Date.current)
@@ -102,7 +106,9 @@ class ExchangeRateTest < ActiveSupport::TestCase
   end
 
   test "returns empty array if no rates found in DB or provider" do
-    ExchangeRate.unstub(:exchange_rates_provider)
+    ExchangeRate.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
 
     with_env_overrides SYNTH_API_KEY: nil do
       assert_equal [], ExchangeRate.find_rates(from: "USD", to: "JPY", start_date: 10.days.ago.to_date)

test/models/security/price_test.rb

@@ -5,14 +5,16 @@ class Security::PriceTest < ActiveSupport::TestCase
   setup do
     @provider = mock
 
-    Security::Price.stubs(:security_prices_provider).returns(@provider)
+    Security::Price.stubs(:provider).returns(@provider)
   end
 
   test "security price provider nil if no api key provided" do
-    Security::Price.unstub(:security_prices_provider)
+    Security::Price.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
 
     with_env_overrides SYNTH_API_KEY: nil do
-      assert_not Security::Price.security_prices_provider
+      assert_not Security::Price.provider
     end
   end
 
@@ -60,7 +62,10 @@ class Security::PriceTest < ActiveSupport::TestCase
   end
 
   test "returns nil if price not found in DB and provider disabled" do
-    Security::Price.unstub(:security_prices_provider)
+    Security::Price.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
+
     security = Security.new(ticker: "NVDA")
 
     with_env_overrides SYNTH_API_KEY: nil do
@@ -105,7 +110,9 @@ class Security::PriceTest < ActiveSupport::TestCase
   end
 
   test "returns empty array if no prices found in DB or from provider" do
-    Security::Price.unstub(:security_prices_provider)
+    Security::Price.unstub(:provider)
+
+    Setting.stubs(:synth_api_key).returns(nil)
 
     with_env_overrides SYNTH_API_KEY: nil do
       assert_equal [], Security::Price.find_prices(security: Security.new(ticker: "NVDA"), start_date: 10.days.ago.to_date, end_date: Date.current)

test/models/trade_import_test.rb

@@ -12,30 +12,20 @@ class TradeImportTest < ActiveSupport::TestCase
     # Create an existing AAPL security with no exchange_operating_mic
     aapl = Security.create!(ticker: "AAPL", exchange_operating_mic: nil)
 
-    provider = mock
-
     # We should only hit the provider for GOOGL since AAPL already exists
-    provider.expects(:search_securities).with(
+    Security.expects(:search_provider).with(
       query: "GOOGL",
       exchange_operating_mic: "XNAS"
-    ).returns(
-      OpenStruct.new(
-        securities: [
-          {
-            ticker: "GOOGL",
-            name: "Google Inc.",
-            country_code: "US",
-            exchange_mic: "XNGS",
-            exchange_operating_mic: "XNAS",
-            exchange_acronym: "NGS"
-          }
-        ],
-        success?: true,
-        raw_response: nil
+    ).returns([
+      Security.new(
+        ticker: "GOOGL",
+        name: "Google Inc.",
+        country_code: "US",
+        exchange_mic: "XNGS",
+        exchange_operating_mic: "XNAS",
+        exchange_acronym: "NGS"
       )
-    ).once
-
-    Security.stubs(:security_prices_provider).returns(provider)
+    ]).once
 
     import = <<~CSV
       date,ticker,qty,price,currency,account,name,exchange_operating_mic

test/system/imports_test.rb

@@ -52,6 +52,8 @@ class ImportsTest < ApplicationSystemTestCase
   end
 
   test "trade import" do
+    Security.stubs(:search_provider).returns([])
+
     visit new_import_path
 
     click_on "Import investments"

test/system/trades_test.rb

@@ -10,7 +10,7 @@ class TradesTest < ApplicationSystemTestCase
 
     visit_account_portfolio
 
-    Security.stubs(:search).returns([
+    Security.stubs(:search_provider).returns([
       Security.new(
         ticker: "AAPL",
         name: "Apple Inc.",