fix(open-banking): respect local email hours (#306)

## Summary
- avoid sending bank transaction synced emails during 23:00-08:00 in the
user's local timezone by re-releasing the job until the next local 08:00
- deduplicate the daily bank transaction email by the user's local date
instead of the UTC date
- add feature coverage for quiet hours, first allowed local send time,
and local-day deduplication

## Testing
- php artisan test --compact
tests/Feature/OpenBanking/SyncBankingConnectionJobTest.php
- vendor/bin/pint --dirty --format agent

## Notes
- existing 6-hour sync slots still leave at least one valid send slot
for every timezone

app/Jobs/SendDailyBankTransactionsSyncedEmailJob.php

@@ -8,6 +8,7 @@ use App\Mail\BankTransactionsSyncedEmail;
 use App\Models\Transaction;
 use App\Models\User;
 use App\Models\UserMailLog;
+use DateTimeZone;
 use Illuminate\Bus\Queueable;
 use Illuminate\Contracts\Queue\ShouldBeUnique;
 use Illuminate\Contracts\Queue\ShouldQueue;
@@ -36,13 +37,22 @@ class SendDailyBankTransactionsSyncedEmailJob implements ShouldBeUnique, ShouldQ
 
     public function handle(): void
     {
+        $localReportDate = $this->localReportDate();
         $lastSentMailLog = UserMailLog::query()
             ->where('user_id', $this->user->id)
             ->where('email_type', DripEmailType::BankTransactionsSynced)
             ->latest('sent_at')
             ->first();
 
-        if ($lastSentMailLog?->email_identifier === $this->reportDate) {
+        if ($lastSentMailLog?->email_identifier === $localReportDate) {
+            return;
+        }
+
+        $quietHoursDelay = $this->quietHoursDelayInSeconds();
+
+        if ($quietHoursDelay !== null) {
+            $this->release($quietHoursDelay);
+
             return;
         }
 
@@ -78,7 +88,7 @@ class SendDailyBankTransactionsSyncedEmailJob implements ShouldBeUnique, ShouldQ
         UserMailLog::create([
             'user_id' => $this->user->id,
             'email_type' => DripEmailType::BankTransactionsSynced,
-            'email_identifier' => $this->reportDate,
+            'email_identifier' => $localReportDate,
             'sent_at' => now(),
         ]);
     }
@@ -87,4 +97,53 @@ class SendDailyBankTransactionsSyncedEmailJob implements ShouldBeUnique, ShouldQ
     {
         return $this->user->id.':'.$this->reportDate;
     }
+
+    private function localReportDate(): string
+    {
+        return now($this->reportingTimezone())->toDateString();
+    }
+
+    private function quietHoursDelayInSeconds(): ?int
+    {
+        $timezone = $this->userTimezone();
+
+        if ($timezone === null) {
+            return null;
+        }
+
+        $localNow = now($timezone);
+        $localHour = (int) $localNow->format('G');
+
+        if ($localHour >= 8 && $localHour < 23) {
+            return null;
+        }
+
+        $nextAllowedAt = $localHour >= 23
+            ? $localNow->copy()->addDay()->startOfDay()->addHours(8)
+            : $localNow->copy()->startOfDay()->addHours(8);
+
+        return $nextAllowedAt->getTimestamp() - $localNow->getTimestamp();
+    }
+
+    private function reportingTimezone(): string
+    {
+        return $this->userTimezone() ?? config('app.timezone', 'UTC');
+    }
+
+    private function userTimezone(): ?string
+    {
+        $timezone = $this->user->timezone;
+
+        if ($timezone === null) {
+            return null;
+        }
+
+        try {
+            new DateTimeZone($timezone);
+
+            return $timezone;
+        } catch (\Exception) {
+            return null;
+        }
+    }
 }

tests/Feature/OpenBanking/SyncBankingConnectionJobTest.php

@@ -356,6 +356,150 @@ test('daily bank sync email job sends pending transactions once per day', functi
     Mail::assertQueued(BankTransactionsSyncedEmail::class, 1);
 });
 
+test('daily bank sync email job releases during quiet hours in user timezone', function () {
+    Mail::fake();
+
+    test()->travelTo(Carbon::parse('2026-04-15 04:00:00', 'UTC'));
+
+    $user = User::factory()->onboarded()->create(['timezone' => 'Europe/Madrid']);
+    $bank = Bank::factory()->create(['name' => 'Quiet Hours Bank']);
+    $connection = BankingConnection::factory()->create([
+        'user_id' => $user->id,
+        'last_synced_at' => now()->subDay(),
+    ]);
+    $account = Account::factory()->connected()->create([
+        'user_id' => $user->id,
+        'banking_connection_id' => $connection->id,
+        'bank_id' => $bank->id,
+    ]);
+
+    Transaction::factory()->count(2)->enableBanking()->create([
+        'user_id' => $user->id,
+        'account_id' => $account->id,
+        'created_at' => now()->subHour(),
+        'updated_at' => now()->subHour(),
+    ]);
+
+    $job = (new SendDailyBankTransactionsSyncedEmailJob($user, now()->toDateString()))->withFakeQueueInteractions();
+    $job->handle();
+
+    $job->assertReleased(delay: 7200);
+
+    Mail::assertNothingQueued();
+    expect(UserMailLog::query()->count())->toBe(0);
+});
+
+test('daily bank sync email job sends at first allowed local hour for user timezone', function () {
+    Mail::fake();
+
+    test()->travelTo(Carbon::parse('2026-04-15 02:15:00', 'UTC'));
+
+    $user = User::factory()->onboarded()->create(['timezone' => 'Asia/Kathmandu']);
+    $bank = Bank::factory()->create(['name' => 'Allowed Hours Bank']);
+    $connection = BankingConnection::factory()->create([
+        'user_id' => $user->id,
+        'last_synced_at' => now()->subDay(),
+    ]);
+    $account = Account::factory()->connected()->create([
+        'user_id' => $user->id,
+        'banking_connection_id' => $connection->id,
+        'bank_id' => $bank->id,
+    ]);
+
+    Transaction::factory()->count(3)->enableBanking()->create([
+        'user_id' => $user->id,
+        'account_id' => $account->id,
+        'created_at' => now()->subHour(),
+        'updated_at' => now()->subHour(),
+    ]);
+
+    $job = new SendDailyBankTransactionsSyncedEmailJob($user, now()->toDateString());
+    $job->handle();
+
+    Mail::assertQueued(BankTransactionsSyncedEmail::class, function ($mail) use ($user) {
+        return $mail->totalTransactions === 3
+            && $mail->transactionsPerBank === ['Allowed Hours Bank' => 3]
+            && $mail->hasTo($user->email);
+    });
+
+    expect(UserMailLog::query()
+        ->where('user_id', $user->id)
+        ->where('email_type', DripEmailType::BankTransactionsSynced)
+        ->where('email_identifier', '2026-04-15')
+        ->exists())->toBeTrue();
+});
+
+test('daily bank sync email job ignores quiet hours when user timezone is missing', function () {
+    Mail::fake();
+
+    test()->travelTo(Carbon::parse('2026-04-15 02:00:00', 'UTC'));
+
+    $user = User::factory()->onboarded()->create(['timezone' => null]);
+    $bank = Bank::factory()->create(['name' => 'Timezone Fallback Bank']);
+    $connection = BankingConnection::factory()->create([
+        'user_id' => $user->id,
+        'last_synced_at' => now()->subDay(),
+    ]);
+    $account = Account::factory()->connected()->create([
+        'user_id' => $user->id,
+        'banking_connection_id' => $connection->id,
+        'bank_id' => $bank->id,
+    ]);
+
+    Transaction::factory()->count(2)->enableBanking()->create([
+        'user_id' => $user->id,
+        'account_id' => $account->id,
+        'created_at' => now()->subHour(),
+        'updated_at' => now()->subHour(),
+    ]);
+
+    $job = new SendDailyBankTransactionsSyncedEmailJob($user, now()->toDateString());
+    $job->handle();
+
+    Mail::assertQueued(BankTransactionsSyncedEmail::class, function ($mail) use ($user) {
+        return $mail->totalTransactions === 2
+            && $mail->transactionsPerBank === ['Timezone Fallback Bank' => 2]
+            && $mail->hasTo($user->email);
+    });
+});
+
+test('daily bank sync email job deduplicates per user local day', function () {
+    Mail::fake();
+
+    test()->travelTo(Carbon::parse('2026-04-15 00:30:00', 'UTC'));
+
+    $user = User::factory()->onboarded()->create(['timezone' => 'America/Los_Angeles']);
+    $bank = Bank::factory()->create(['name' => 'Local Day Bank']);
+    $connection = BankingConnection::factory()->create([
+        'user_id' => $user->id,
+        'last_synced_at' => now()->subDay(),
+    ]);
+    $account = Account::factory()->connected()->create([
+        'user_id' => $user->id,
+        'banking_connection_id' => $connection->id,
+        'bank_id' => $bank->id,
+    ]);
+
+    Transaction::factory()->count(2)->enableBanking()->create([
+        'user_id' => $user->id,
+        'account_id' => $account->id,
+        'created_at' => now()->subMinutes(15),
+        'updated_at' => now()->subMinutes(15),
+    ]);
+
+    UserMailLog::create([
+        'user_id' => $user->id,
+        'email_type' => DripEmailType::BankTransactionsSynced,
+        'email_identifier' => '2026-04-14',
+        'sent_at' => Carbon::parse('2026-04-14 18:00:00', 'UTC'),
+    ]);
+
+    $job = new SendDailyBankTransactionsSyncedEmailJob($user, now()->toDateString());
+    $job->handle();
+
+    Mail::assertNothingQueued();
+});
+
 test('daily bank sync email job sends unreported transactions next day even when current sync imported none', function () {
     Mail::fake();