feat(up): map Up category slugs to Sure categories on import (#2487)

* feat(up): map Up category slugs to Sure categories on import

UpEntry::Processor captured Up's category slug into extra but never applied it, so
Up transactions imported uncategorised even though the user had already tagged them
in the Up app.

Add UpAccount::Transactions::CategoryTaxonomy + CategoryMatcher, mirroring
PlaidAccount::Transactions::CategoryMatcher: map Up's child category slugs onto the
family's existing/default Sure categories by alias, and wire the matcher through
UpAccount::Transactions::Processor into UpEntry::Processor. The category is applied via
the adapter's enrich_attribute, so a category the user has set or locked is preserved
on re-sync.

High-confidence mappings only. Up-specific categories with no honest Sure default
(Booze, Pets, Apps & Games, Life Admin, Technology, ...) intentionally stay
uncategorised for the user's own rules / AI, since a wrong auto-category is worse than
none. Adds a matcher unit test and processor wiring tests.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

* refactor(up): match category slugs as strings in CategoryMatcher

Up category ids are string slugs; compare them against the taxonomy keys as strings
so the lookup does not depend on the keys being symbols. No behaviour change (the
"slug": hash syntax already produces symbol keys that matched the symbolized input,
covered by the matcher unit test), but it removes a subtle footgun and reads clearer.
Flagged by the Codex review on the PR.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

* fix(up): make category import non-destructive; word-boundary the alias match

Per review feedback: do not bootstrap Sure's default categories during a sync.
family_categories now returns the family's existing categories without creating
defaults, so a family that has none (deliberately cleared, or pre-onboarding) gets
uncategorised transactions rather than having the full default set silently created.
Matching resumes once the user sets up categories through the normal UI flow.

Also word-boundary the "and" stripping in the matcher normalization so it strips only
the standalone conjunction, not "and" inside a word (e.g. errand). Adds a processor
test for the non-destructive guarantee.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

---------

Co-authored-by: Gavin Matthews <matthews.gav@gmail.com>
Co-authored-by: Claude Opus 4.8 <noreply@anthropic.com>

test/models/up_entry/processor_test.rb

@@ -151,4 +151,50 @@ class UpEntry::ProcessorTest < ActiveSupport::TestCase
     assert_equal "standard", entry.entryable.kind
     assert_nil entry.entryable.extra.dig("up", "transfer_account_id")
   end
+
+  test "applies the matched Sure category when a category_matcher is provided" do
+    @family.categories.bootstrap!
+    matcher = UpAccount::Transactions::CategoryMatcher.new(@family.categories.to_a)
+
+    entry = UpEntry::Processor.new(
+      {
+        id: "tx_cat_1",
+        account_id: "acc_123",
+        status: "SETTLED",
+        description: "Woolworths",
+        amount: { currencyCode: "AUD", value: "-40.00", valueInBaseUnits: -4000 },
+        settledAt: "2026-01-15T00:00:00+11:00",
+        createdAt: "2026-01-15T00:00:00+11:00",
+        category_id: "groceries"
+      },
+      up_account: @up_account,
+      category_matcher: matcher
+    ).process
+
+    assert_equal "Groceries", entry.transaction.category&.name
+    # The raw Up slug is still preserved in extra for reference.
+    assert_equal "groceries", entry.transaction.extra.dig("up", "category_id")
+  end
+
+  test "leaves the transaction uncategorised when the Up category has no confident match" do
+    @family.categories.bootstrap!
+    matcher = UpAccount::Transactions::CategoryMatcher.new(@family.categories.to_a)
+
+    entry = UpEntry::Processor.new(
+      {
+        id: "tx_cat_2",
+        account_id: "acc_123",
+        status: "SETTLED",
+        description: "BWS",
+        amount: { currencyCode: "AUD", value: "-25.00", valueInBaseUnits: -2500 },
+        settledAt: "2026-01-15T00:00:00+11:00",
+        createdAt: "2026-01-15T00:00:00+11:00",
+        category_id: "booze"
+      },
+      up_account: @up_account,
+      category_matcher: matcher
+    ).process
+
+    assert_nil entry.transaction.category_id
+  end
 end