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* feat(up): flag internal transfers and round-ups as funds_movement Up populates relationships.transferAccount on transactions that move money between the user's own accounts (including round-ups swept into a Saver), but flatten_transaction dropped it, so these imported as ordinary income/expense and distorted budgets and cashflow. - Provider::Up#flatten_transaction: lift transfer_account_id from relationships.transferAccount.data.id. - UpEntry::Processor: import transfers as funds_movement and persist transfer_account_id in extra["up"]. - Account::ProviderImportAdapter#import_transaction: optional kind: param; an explicit provider kind takes precedence over account-type auto-detection and is applied after the sync-protection check, so user re-categorisations survive re-sync. Complementary to Family#auto_match_transfers!: two-sided transfers between linked accounts are still paired into a Transfer (the matcher does not filter on kind); one-sided movements and round-ups, which the matcher cannot pair, are the cases this fixes. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com> * fix(up): account-type kind wins over provider transfer hint Codex review caught that Up HOME_LOAN accounts map to a Loan account, so a repayment carrying transferAccount would be reclassified from loan_payment to funds_movement (budget-excluded). Make the provider kind: a fallback: activity-label and account-type classification now take precedence, so loan_payment and cc_payment survive. Adds a regression test (loan repayment stays loan_payment), a depository-applies test, and a note that the up_test stub ignores query: intentionally. 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>