Providers factory (#250)

* Implement providers factory

* Multiple providers sync support

- Proper Multi-Provider Syncing: When you click sync on an account with multiple providers (e.g., both Plaid and SimpleFin), all provider items are synced
- Better API: The existing account.providers method already returns all providers, and account.provider returns the first one for backward compatibility
- Correct Holdings Deletion Logic: Holdings can only be deleted if ALL providers allow it, preventing accidental deletions that would be recreated on next sync
TODO: validate this is the way we want to go? We would need to check holdings belong to which account, and then check provider allows deletion. More complex
- Database Constraints: The existing validations ensure an account can have at most one provider of each type (one PlaidAccount, one SimplefinAccount, etc.)

* Add generic provider_import_adapter

* Finish unified import strategy

* Update app/models/plaid_account.rb

Co-authored-by: coderabbitai[bot] <136622811+coderabbitai[bot]@users.noreply.github.com>
Signed-off-by: soky srm <sokysrm@gmail.com>

* Update app/models/provider/factory.rb

Co-authored-by: coderabbitai[bot] <136622811+coderabbitai[bot]@users.noreply.github.com>
Signed-off-by: soky srm <sokysrm@gmail.com>

* Fix account linked by plaid_id instead of external_id

* Parse numerics to BigDecimal

Parse numerics to BigDecimal before computing amount; guard nils.

Avoid String * String and float drift; also normalize date.

* Fix incorrect usage of assert_raises.

* Fix linter

* Fix processor test.

* Update current_balance_manager.rb

* Test fixes

* Fix plaid linked account test

* Add support for holding per account_provider

* Fix proper account access

Also fix account deletion for simpefin too

* FIX match tests for consistency

* Some more factory updates

* Fix account schema for multipe providers

  Can do:
  - Account #1 → PlaidAccount + SimplefinAccount (multiple different providers)
  - Account #2 → PlaidAccount only
  - Account #3 → SimplefinAccount only

  Cannot do:
  - Account #1 → PlaidAccount + PlaidAccount (duplicate provider type)
  - PlaidAccount #123 → Account #1 + Account #2 (provider linked to multiple accounts)

* Fix account setup

- An account CAN have multiple providers (the schema shows account_providers with unique index on [account_id, provider_type])
  - Each provider should maintain its own separate entries
  - We should NOT update one provider's entry when another provider syncs

* Fix linter and guard migration

* FIX linter issues.

* Fixes

- Remove duplicated index
- Pass account_provider_id
- Guard holdings call to avoid NoMethodError

* Update schema and provider import fix

* Plaid doesn't allow holdings deletion

* Use ClimateControl for proper env setup

* No need for this in .git

---------

Signed-off-by: soky srm <sokysrm@gmail.com>
Co-authored-by: coderabbitai[bot] <136622811+coderabbitai[bot]@users.noreply.github.com>
Co-authored-by: Juan José Mata <juanjo.mata@gmail.com>

app/models/plaid_entry/processor.rb

@@ -7,53 +7,30 @@ class PlaidEntry::Processor
   end
 
   def process
-    PlaidAccount.transaction do
-      entry = account.entries.find_or_initialize_by(plaid_id: plaid_id) do |e|
-        e.entryable = Transaction.new
-      end
-
-      entry.assign_attributes(
-        amount: amount,
-        currency: currency,
-        date: date
-      )
-
-      entry.enrich_attribute(
-        :name,
-        name,
-        source: "plaid"
-      )
-
-      if detailed_category
-        matched_category = category_matcher.match(detailed_category)
-
-        if matched_category
-          entry.transaction.enrich_attribute(
-            :category_id,
-            matched_category.id,
-            source: "plaid"
-          )
-        end
-      end
-
-      if merchant
-        entry.transaction.enrich_attribute(
-          :merchant_id,
-          merchant.id,
-          source: "plaid"
-        )
-      end
-    end
+    import_adapter.import_transaction(
+      external_id: external_id,
+      amount: amount,
+      currency: currency,
+      date: date,
+      name: name,
+      source: "plaid",
+      category_id: matched_category&.id,
+      merchant: merchant
+    )
   end
 
   private
     attr_reader :plaid_transaction, :plaid_account, :category_matcher
 
-    def account
-      plaid_account.account
+    def import_adapter
+      @import_adapter ||= Account::ProviderImportAdapter.new(account)
     end
 
-    def plaid_id
+    def account
+      plaid_account.current_account
+    end
+
+    def external_id
       plaid_transaction["transaction_id"]
     end
 
@@ -77,19 +54,18 @@ class PlaidEntry::Processor
       plaid_transaction.dig("personal_finance_category", "detailed")
     end
 
+    def matched_category
+      return nil unless detailed_category
+      @matched_category ||= category_matcher.match(detailed_category)
+    end
+
     def merchant
-      merchant_id = plaid_transaction["merchant_entity_id"]
-      merchant_name = plaid_transaction["merchant_name"]
-
-      return nil unless merchant_id.present? && merchant_name.present?
-
-      ProviderMerchant.find_or_create_by!(
+      @merchant ||= import_adapter.find_or_create_merchant(
+        provider_merchant_id: plaid_transaction["merchant_entity_id"],
+        name: plaid_transaction["merchant_name"],
         source: "plaid",
-        name: merchant_name,
-      ) do |m|
-        m.provider_merchant_id = merchant_id
-        m.website_url = plaid_transaction["website"]
-        m.logo_url = plaid_transaction["logo_url"]
-      end
+        website_url: plaid_transaction["website"],
+        logo_url: plaid_transaction["logo_url"]
+      )
     end
 end