FIX providers invalid currency handling (#589)

app/models/concerns/currency_normalizable.rb

@@ -1,10 +1,10 @@
 # Provides currency normalization and validation for provider data imports
 #
 # This concern provides a shared method to parse and normalize currency codes
-# from external providers (Plaid, SimpleFIN, LunchFlow), ensuring:
+# from external providers (Plaid, SimpleFIN, LunchFlow, Enable Banking), ensuring:
 # - Consistent uppercase formatting (e.g., "eur" -> "EUR")
-# - Validation of 3-letter ISO currency codes
-# - Proper handling of nil, empty, and invalid values
+# - Validation against Money gem's known currencies (not just 3-letter format)
+# - Proper handling of nil, empty, and invalid values (e.g., "XXX")
 #
 # Usage:
 #   include CurrencyNormalizable
@@ -23,6 +23,7 @@ module CurrencyNormalizable
     #   parse_currency("usd")     # => "USD"
     #   parse_currency("EUR")     # => "EUR"
     #   parse_currency("  gbp  ") # => "GBP"
+    #   parse_currency("XXX")     # => nil (not a valid Money currency)
     #   parse_currency("invalid") # => nil (logs warning)
     #   parse_currency(nil)       # => nil
     #   parse_currency("")        # => nil
@@ -33,8 +34,15 @@ module CurrencyNormalizable
       # Normalize to uppercase 3-letter code
       normalized = currency_value.to_s.strip.upcase
 
-      # Validate it's a reasonable currency code (3 letters)
-      if normalized.match?(/\A[A-Z]{3}\z/)
+      # Validate it's a 3-letter format first
+      unless normalized.match?(/\A[A-Z]{3}\z/)
+        log_invalid_currency(currency_value)
+        return nil
+      end
+
+      # Validate against Money gem's known currencies
+      # This catches codes like "XXX" which are 3 letters but not valid for monetary operations
+      if valid_money_currency?(normalized)
         normalized
       else
         log_invalid_currency(currency_value)
@@ -42,6 +50,17 @@ module CurrencyNormalizable
       end
     end
 
+    # Check if a currency code is valid in the Money gem
+    #
+    # @param code [String] Uppercase 3-letter currency code
+    # @return [Boolean] true if the Money gem recognizes this currency
+    def valid_money_currency?(code)
+      Money::Currency.new(code)
+      true
+    rescue Money::Currency::UnknownCurrencyError
+      false
+    end
+
     # Log warning for invalid currency codes
     # Override this method in including classes to provide context-specific logging
     def log_invalid_currency(currency_value)

db/migrate/20260108000000_cleanup_orphaned_currency_balances.rb

@@ -9,6 +9,9 @@
 # going forward, but existing data needs to be cleaned up.
 class CleanupOrphanedCurrencyBalances < ActiveRecord::Migration[7.2]
   def up
+    # Skip in test environment with empty database (CI)
+    return say "Skipping in test environment - no data to clean" if Rails.env.test? && account_count.zero?
+
     # First, identify affected accounts for logging
     affected_accounts = execute(<<~SQL).to_a
       SELECT DISTINCT
@@ -37,7 +40,7 @@ class CleanupOrphanedCurrencyBalances < ActiveRecord::Migration[7.2]
 
       # Delete orphaned balances where currency doesn't match account currency
       # Only for linked accounts (provider-connected accounts)
-      deleted_result = execute(<<~SQL)
+      execute(<<~SQL)
         DELETE FROM balances
         WHERE id IN (
           SELECT b.id
@@ -57,15 +60,18 @@ class CleanupOrphanedCurrencyBalances < ActiveRecord::Migration[7.2]
       # Get unique account IDs that need re-sync
       account_ids = affected_accounts.map { |row| row["id"] }.uniq
 
-      say "Scheduling re-sync for #{account_ids.size} affected accounts..."
-
       # Schedule re-sync for affected accounts to regenerate correct balances
-      # Use find_each to handle large datasets efficiently
-      Account.where(id: account_ids).find_each do |account|
-        account.sync_later
+      # Only if Account model is available and responds to sync_later
+      if defined?(Account) && Account.respond_to?(:where)
+        say "Scheduling re-sync for #{account_ids.size} affected accounts..."
+        Account.where(id: account_ids).find_each do |account|
+          account.sync_later if account.respond_to?(:sync_later)
+        end
+        say "Scheduled re-sync for #{account_ids.size} affected accounts"
+      else
+        say "Skipping re-sync scheduling (Account model not available)"
+        say "Please manually sync affected accounts: #{account_ids.join(', ')}"
       end
-
-      say "Scheduled re-sync for #{account_ids.size} affected accounts"
     else
       say "No orphaned currency balances found - database is clean"
     end
@@ -76,4 +82,12 @@ class CleanupOrphanedCurrencyBalances < ActiveRecord::Migration[7.2]
     say "The deleted balances will be regenerated by the scheduled syncs."
     say "If syncs haven't run yet, you may need to manually trigger them."
   end
+
+  private
+
+    def account_count
+      execute("SELECT COUNT(*) FROM accounts").first["count"].to_i
+    rescue
+      0
+    end
 end

test/models/concerns/currency_normalizable_test.rb

@@ -0,0 +1,69 @@
+require "test_helper"
+
+class CurrencyNormalizableTest < ActiveSupport::TestCase
+  # Create a test class that includes the concern
+  class TestClass
+    include CurrencyNormalizable
+
+    # Expose private method for testing
+    def test_parse_currency(value)
+      parse_currency(value)
+    end
+  end
+
+  setup do
+    @parser = TestClass.new
+  end
+
+  test "parse_currency normalizes lowercase to uppercase" do
+    assert_equal "USD", @parser.test_parse_currency("usd")
+    assert_equal "EUR", @parser.test_parse_currency("eur")
+    assert_equal "GBP", @parser.test_parse_currency("gbp")
+  end
+
+  test "parse_currency handles whitespace" do
+    assert_equal "USD", @parser.test_parse_currency("  usd  ")
+    assert_equal "EUR", @parser.test_parse_currency("\teur\n")
+  end
+
+  test "parse_currency returns nil for blank values" do
+    assert_nil @parser.test_parse_currency(nil)
+    assert_nil @parser.test_parse_currency("")
+    assert_nil @parser.test_parse_currency("   ")
+  end
+
+  test "parse_currency returns nil for invalid format" do
+    assert_nil @parser.test_parse_currency("US")      # Too short
+    assert_nil @parser.test_parse_currency("USDD")    # Too long
+    assert_nil @parser.test_parse_currency("123")     # Numbers
+    assert_nil @parser.test_parse_currency("US1")     # Mixed
+  end
+
+  test "parse_currency returns nil for XXX (no currency code)" do
+    # XXX is ISO 4217 for "no currency" but not valid for monetary operations
+    assert_nil @parser.test_parse_currency("XXX")
+    assert_nil @parser.test_parse_currency("xxx")
+  end
+
+  test "parse_currency returns nil for unknown 3-letter codes" do
+    # These are 3 letters but not recognized currencies
+    assert_nil @parser.test_parse_currency("ZZZ")
+    assert_nil @parser.test_parse_currency("ABC")
+  end
+
+  test "parse_currency accepts valid ISO currencies" do
+    # Common currencies
+    assert_equal "USD", @parser.test_parse_currency("USD")
+    assert_equal "EUR", @parser.test_parse_currency("EUR")
+    assert_equal "GBP", @parser.test_parse_currency("GBP")
+    assert_equal "JPY", @parser.test_parse_currency("JPY")
+    assert_equal "CHF", @parser.test_parse_currency("CHF")
+    assert_equal "CAD", @parser.test_parse_currency("CAD")
+    assert_equal "AUD", @parser.test_parse_currency("AUD")
+
+    # Less common but valid currencies
+    assert_equal "PLN", @parser.test_parse_currency("PLN")
+    assert_equal "SEK", @parser.test_parse_currency("SEK")
+    assert_equal "NOK", @parser.test_parse_currency("NOK")
+  end
+end