## What
Adds **Interactive Brokers** as a banking sync provider (investment
account, balances only), mirroring the Indexa Capital integration.
It uses the **Flex Web Service** rather than IBKR's Web API: the Web API
requires registering as an IBKR third party (business entity, Compliance
approval, RSA-signed OAuth, ~3-5 weeks), which is overkill for read-only
balance sync. Flex is a read-only token + Query ID model that fits our
existing API-key provider shape.
### How the sync works
- The user creates an Activity Flex Query (NAV + Open Positions) and a
Flex Web Service token in their IBKR Client Portal, then pastes both.
- Client flow: `SendRequest` → reference code → poll `GetStatement` →
parse the XML statement.
- Mapping: `EquitySummaryByReportDateInBase@total` → `balance` (daily
rows give historical backfill on first sync); `Σ(OpenPosition
costBasisMoney × fxRateToBase) + cash` → `invested_amount`, so **profit
derives as `balance − invested_amount`** (unrealized P&L), like Indexa
Capital. Everything is already in base currency, so no FX conversion is
needed.
- One statement covers every account, so the syncer fetches once per
connection to respect IB's per-query rate limit.
- IB returns HTTP 200 with an error XML, so the client translates Flex
error codes into the exceptions the sync job already understands:
`RequestException(401)` for token problems, `RequestException(429)` for
throttling, `TransientBankingProviderException` otherwise.
### Connect flow
- New connect/update-credentials endpoints validate the credentials by
pulling a statement, then build pending accounts from it.
- Credentials reuse the encrypted `api_token` (Flex token) and
`api_secret` (Flex Query ID) columns — **no migration**.
- The IB option (two fields) is added to the connect dialog, inline
connect flow, and update-credentials dialog, with Spanish translations.
## Feature flag (why this is a draft)
Gated behind a Pennant feature `App\Features\InteractiveBrokers` (off by
default). It was built against documented/open-source Flex XML fixtures,
**not a live IBKR account** (we don't have one). Before enabling,
validate against a real account (beta tester or a free IBKR account):
```
php artisan feature:enable InteractiveBrokers user@example.com
```
If the parser needs tweaks against real XML, they should be minor
(field-name level).
## Tests
- Client + balance sync: NAV → balance, invested/profit, daily backfill,
since-date incremental, multi-account, GetStatement polling, token-401 /
rate-limit-429 mapping.
- Controller: feature-flag gate (403), valid/invalid credentials,
subscription gate, onboarding auto-create, validation.
- Factory wiring, enum cases, job-level sync, feature-flag visibility
(vitest).
- Spanish translations added (enforced by `LocalizationTest`).
All green: `pint --test`, `phpstan`, OpenBanking + localization suite,
vitest.
## What
Unifies keys that were repeated across the codebase into two PHP enums
as the single source of truth. Two independent commits:
### `refactor(banking)` — `BankingProvider` enum
- New `App\Enums\BankingProvider` (`indexacapital`, `binance`,
`bitpanda`, `coinbase`, `wise`, `enablebanking`).
- `BankingConnection`'s `provider` column is cast to the enum → magic
strings gone from the model, controllers (`match`), requests, jobs,
commands, factory and `where('provider', ...)`.
- Logic that was duplicated, now on the enum:
- `usesApiKey()` — API-key auth (everything except EnableBanking).
- `defaultAccountType()` — provider → account type (removes the
duplicated ternary in `CreatesAccountsFromPending` and
`AccountMappingController`).
### `refactor(i18n)` — `Locale` enum
- New `App\Enums\Locale` (`en`/`es`/`fr`).
- Unifies the `['en','es','fr']` list (validation in `SetLocale` and
`ProfileUpdateRequest` via `Rule::enum`) and the `Accept-Language`
detection (`Locale::detectFromHeader`), previously duplicated in
`SetLocale` and `CreateNewUser`.
## Interaction with Wise (PR #525)
Rebasing onto Wise surfaced two issues this PR fixes:
1. **`isWise()` was broken** once `provider` is cast (it compared `===
'wise'` against an enum → always `false`).
2. **Account type**: Wise uses an API key (✓ it gets the auth-failed
email) but is a **checking** account, not an investment one. Account
type now flows through `defaultAccountType()` (Wise/EnableBanking →
Checking; indexa/binance/bitpanda/coinbase → Investment).
## Behavior change (minor)
`CreateNewUser` now detects `fr` at registration (previously only
`es`/`en`), consistent with the existing French support.
## Out of scope
- Frontend (`['indexacapital','binance',...]`, `provider: string`):
syncing TS with the PHP enums would need typegen. It still receives the
string via `->value`.
- `TransactionSource::Wise/EnableBanking`: a separate enum (transaction
origin), not a duplicated check.
## Tests
- New: `tests/Unit/Enums/BankingProviderTest.php`,
`tests/Unit/Enums/LocaleTest.php`.
- `vendor/bin/pint --test` ✓ · Larastan ✓ · full suite (excluding
Browser) **1615/1616** ✓.
## Summary
Adds **Wise** as an API-token banking provider — connect flow,
transaction sync, and per-wallet balance sync — and fixes two bugs that
kept business/extra profiles and balances from working.
## Changes
- **Balance sync** — new `WiseBalanceSyncService` pulls
borderless-account balances on every sync. Previously Wise balances were
never fetched, so the displayed balance went stale (frozen at the last
value).
- **Multi-profile connect** — `WiseController` now creates accounts for
**every** profile on the token (personal *and* business), not just one.
- **ID-format fix** — `external_account_id` is now
`"{profileId}:{currency}"`. The connect flow previously wrote the
**borderless-account id**, but both sync services parse the **profile
id** — so any UI-connected account (and every business profile) silently
failed to sync.
- **Tests** — `WiseBalanceSyncTest` (currency matching, idempotent
today-balance, skip-when-unmapped) and `WiseControllerTest`
(multi-profile pending accounts, onboarding auto-create, invalid token).
## Test plan
- [x] `php artisan test
tests/Feature/OpenBanking/WiseBalanceSyncTest.php
tests/Feature/OpenBanking/WiseControllerTest.php` — 6 passing / 28
assertions
- [x] `vendor/bin/pint` — clean
- [ ] CI (full pest + lint + build)
🤖 Generated with [Claude Code](https://claude.com/claude-code)
---------
Co-authored-by: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Co-authored-by: Víctor Falcón <victoor89@gmail.com>
Víctor Falcón
Toni Grunwald