sure/app/models/transaction.rb

class Transaction < ApplicationRecord
  include Entryable, Transferable, Ruleable

  belongs_to :category, optional: true
  belongs_to :merchant, optional: true

  has_many :taggings, as: :taggable, dependent: :destroy
  has_many :tags, through: :taggings

  accepts_nested_attributes_for :taggings, allow_destroy: true

  after_save :clear_merchant_unlinked_association, if: :merchant_id_previously_changed?

  enum :kind, {
    standard: "standard", # A regular transaction, included in budget analytics
    funds_movement: "funds_movement", # Movement of funds between accounts, excluded from budget analytics
    cc_payment: "cc_payment", # A CC payment, excluded from budget analytics (CC payments offset the sum of expense transactions)
    loan_payment: "loan_payment", # A payment to a Loan account, treated as an expense in budgets
    one_time: "one_time", # A one-time expense/income, excluded from budget analytics
    investment_contribution: "investment_contribution" # Transfer to investment/crypto account, included in budget as investment expense
  }

  # Labels for internal investment activity (auto-exclude from cashflow)
  # Only internal shuffling should be excluded, not contributions/dividends/withdrawals
  INTERNAL_ACTIVITY_LABELS = %w[Buy Sell Reinvestment Exchange].freeze

  # All valid investment activity labels (for UI dropdown)
  ACTIVITY_LABELS = [
    "Buy", "Sell", "Sweep In", "Sweep Out", "Dividend", "Reinvestment",
    "Interest", "Fee", "Transfer", "Contribution", "Withdrawal", "Exchange", "Other"
  ].freeze

  after_save :sync_exclude_from_cashflow_with_activity_label,
             if: :saved_change_to_investment_activity_label?

  # Pending transaction scopes - filter based on provider pending flags in extra JSONB
  # Works with any provider that stores pending status in extra["provider_name"]["pending"]
  scope :pending, -> {
    where(<<~SQL.squish)
      (transactions.extra -> 'simplefin' ->> 'pending')::boolean = true
      OR (transactions.extra -> 'plaid' ->> 'pending')::boolean = true
    SQL
  }

  scope :excluding_pending, -> {
    where(<<~SQL.squish)
      (transactions.extra -> 'simplefin' ->> 'pending')::boolean IS DISTINCT FROM true
      AND (transactions.extra -> 'plaid' ->> 'pending')::boolean IS DISTINCT FROM true
    SQL
  }

  # Overarching grouping method for all transfer-type transactions
  def transfer?
    funds_movement? || cc_payment? || loan_payment?
  end

  def set_category!(category)
    if category.is_a?(String)
      category = entry.account.family.categories.find_or_create_by!(
        name: category
      )
    end

    update!(category: category)
  end

  def pending?
    extra_data = extra.is_a?(Hash) ? extra : {}
    ActiveModel::Type::Boolean.new.cast(extra_data.dig("simplefin", "pending")) ||
      ActiveModel::Type::Boolean.new.cast(extra_data.dig("plaid", "pending"))
  rescue
    false
  end

  # Potential duplicate matching methods
  # These help users review and resolve fuzzy-matched pending/posted pairs

  def has_potential_duplicate?
    potential_posted_match_data.present? && !potential_duplicate_dismissed?
  end

  def potential_duplicate_entry
    return nil unless has_potential_duplicate?
    Entry.find_by(id: potential_posted_match_data["entry_id"])
  end

  def potential_duplicate_reason
    potential_posted_match_data&.dig("reason")
  end

  def potential_duplicate_confidence
    potential_posted_match_data&.dig("confidence") || "medium"
  end

  def low_confidence_duplicate?
    potential_duplicate_confidence == "low"
  end

  def potential_duplicate_posted_amount
    potential_posted_match_data&.dig("posted_amount")&.to_d
  end

  def potential_duplicate_dismissed?
    potential_posted_match_data&.dig("dismissed") == true
  end

  # Merge this pending transaction with its suggested posted match
  # This DELETES the pending entry since the posted version is canonical
  def merge_with_duplicate!
    return false unless has_potential_duplicate?

    posted_entry = potential_duplicate_entry
    return false unless posted_entry

    pending_entry_id = entry.id
    pending_entry_name = entry.name

    # Delete this pending entry completely (no need to keep it around)
    entry.destroy!

    Rails.logger.info("User merged pending entry #{pending_entry_id} (#{pending_entry_name}) with posted entry #{posted_entry.id}")
    true
  end

  # Dismiss the duplicate suggestion - user says these are NOT the same transaction
  def dismiss_duplicate_suggestion!
    return false unless potential_posted_match_data.present?

    updated_extra = (extra || {}).deep_dup
    updated_extra["potential_posted_match"]["dismissed"] = true
    update!(extra: updated_extra)

    Rails.logger.info("User dismissed duplicate suggestion for entry #{entry.id}")
    true
  end

  # Clear the duplicate suggestion entirely
  def clear_duplicate_suggestion!
    return false unless potential_posted_match_data.present?

    updated_extra = (extra || {}).deep_dup
    updated_extra.delete("potential_posted_match")
    update!(extra: updated_extra)
    true
  end

  private

    def potential_posted_match_data
      return nil unless extra.is_a?(Hash)
      extra["potential_posted_match"]
    end

    def clear_merchant_unlinked_association
      return unless merchant_id.present? && merchant.is_a?(ProviderMerchant)

      family = entry&.account&.family
      return unless family

      FamilyMerchantAssociation.where(family: family, merchant: merchant).delete_all
    end

    # Sync exclude_from_cashflow based on activity label
    # Internal activities (Buy, Sell, etc.) should be excluded from cashflow
    def sync_exclude_from_cashflow_with_activity_label
      return unless entry&.account&.investment? || entry&.account&.crypto?
      return if entry.locked?(:exclude_from_cashflow) # Respect user's manual setting

      should_exclude = INTERNAL_ACTIVITY_LABELS.include?(investment_activity_label)

      if entry.exclude_from_cashflow != should_exclude
        entry.update!(exclude_from_cashflow: should_exclude)
      end
    end
end