## Summary
- Allow users to connect their Indexa Capital (Spanish robo-advisor)
account via API token
- Adds "Indexa Capital" option when selecting Spain in the bank
connection dialog
- Token-based auth flow: user enters API token (instead of OAuth
redirect), validated against Indexa API, stored encrypted
- Syncs portfolio balance only (no transactions) from the
`/accounts/{id}/performance` endpoint
- Accounts created as `Investment` type
- Reuses existing account mapping flow when the `account-mapping`
feature flag is active
- Disconnect flow skips session revocation for Indexa (no OAuth session
to revoke)
## New files
- `IndexaCapitalClient` — HTTP client for Indexa Capital API
(`X-AUTH-TOKEN`)
- `IndexaCapitalBalanceSyncService` — Syncs portfolio value into
`account_balances`
- `IndexaCapitalController` — Token validation + connection creation
- `ConnectIndexaCapitalRequest` — Form request validation
- Migration adding encrypted `api_token` column to `banking_connections`
## Test plan
- [x] 6 controller tests (connect, invalid token, mapping, feature flag,
validation, multi-account)
- [x] 4 balance sync tests (sync, update, skip, missing field)
- [x] 3 sync job tests (balance-only, no expire, no email for Indexa)
- [x] 1 disconnect test (no revokeSession for Indexa)
- [x] All 530 existing tests still pass
## Summary
- Adds **EnableBanking** as the first open banking provider, allowing
users to connect real bank accounts and automatically sync transactions
and balances
- Uses a **`BankingProviderInterface`** contract so future providers
(Plaid, GoCardless, etc.) can be added by implementing the same
interface
- Feature-flagged behind the **`open-banking`** Pennant flag (default:
off)
- Connected accounts are **unencrypted** and transactions have `source =
'enablebanking'`
### What's included
**Backend:**
- `BankingProviderInterface` contract + `EnableBankingProvider`
implementation (JWT RS256 auth)
- `BankingConnection` model with full lifecycle (pending →
awaiting_mapping → active → expired/revoked/error)
- `TransactionSyncService` — pagination, deduplication by
`external_transaction_id`, amount/date mapping
- `BalanceSyncService` — preferred balance type selection (CLBD → ITAV
fallback)
- Authorization flow: start auth → bank redirect → callback → session
creation → account mapping → sync
- `SyncBankingConnectionJob` (unique per connection, 3 retries) +
scheduled every 6 hours
- `banking:sync` artisan command
- 5 migrations: `banking_connections` table, account fields, transaction
`external_transaction_id`, `pending_accounts_data`, `linked_at`
**Frontend:**
- Manual vs Connected account choice in the create account dialog
- Multi-step bank connection dialog (country → bank selection →
confirmation → redirect)
- Account mapping page — map discovered bank accounts to existing
accounts, create new ones, or skip
- Settings/Connections page with status badges, sync/disconnect actions
- "Connected" badge on linked accounts in settings
**Tests:**
- 49 tests covering feature flags, controllers, account mapping,
transaction sync, balance sync, deduplication, and pagination
### Feature Flags
This PR introduces **two Pennant feature flags**:
1. **`open-banking`** — Gates the entire open banking feature
(institutions endpoint, authorization flow, connections page). When
disabled, all open banking routes return 404.
2. **`account-mapping`** — Controls whether users see an intermediate
account mapping step after connecting a bank. When **enabled**, users
are redirected to a mapping page where they can choose to create new
accounts, link to existing ones, or skip each discovered bank account.
When **disabled**, all discovered accounts are automatically created
(original behavior). Linked accounts only sync transactions from their
last transaction date and only update the current balance from the
provider (no historical balance calculation or daily balance tracking).
Enable per-user:
```bash
php artisan feature:enable open-banking user@example.com
php artisan feature:enable account-mapping user@example.com
```
Enable for all users:
```bash
php artisan feature:enable open-banking all
php artisan feature:enable account-mapping all
```
## Test plan
- [x] Enable feature flag: `php artisan feature:enable open-banking`
- [x] Verify "Connected" option appears in create account dialog
- [x] Start authorization flow and verify redirect to bank
- [x] With `account-mapping` **disabled**: verify callback creates
accounts directly and dispatches sync
- [x] With `account-mapping` **enabled**: verify callback redirects to
mapping page
- [x] Test mapping page: create new, link to existing, and skip actions
- [x] Verify linked accounts sync only from last transaction date and
only update current balance
- [x] Verify connections page shows "Setup Required" badge for
awaiting_mapping status
- [x] Run `php artisan banking:sync` and verify transactions sync
- [x] Verify connections page shows status, sync, and disconnect actions
- [x] Run full test suite: `php artisan test --compact`
Víctor Falcón