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Balance sheet totals and accountable type summaries used a SQL JOIN on exchange_rates matching only today's date, which returned NULL (defaulting to 1:1) when no rate existed for that exact date. This caused foreign currency accounts to show incorrect totals. Changes: - Refactor BalanceSheet::AccountTotals to batch-fetch exchange rates via ExchangeRate.rates_for, with provider fallback, instead of a SQL join - Refactor Accountable.balance_money to use the same batch approach - Add ExchangeRate.rates_for helper for deduplicated rate lookups - Fix net worth chart query to fall back to the nearest future rate when no historical rate exists for a given date - Add composite index on accounts (family_id, status, accountable_type) - Reuse nearest cached exchange rate within a 5-day lookback window before calling the provider, preventing redundant API calls on weekends and holidays when providers return prior-day rates https://claude.ai/code/session_01GyssBJxQqdWnuYofQRjUu8 Co-authored-by: Claude <noreply@anthropic.com>