## 🚪 Why?
### Problem
The onboarding flow had no integration with connected (bank-linked)
accounts. Users who connected a bank via OAuth were redirected to a
separate account-mapping page, breaking the onboarding flow. After
returning, there was no way to resume at the correct step. Additionally,
connected accounts were incorrectly shown in the manual import steps
(import-transactions / import-balances), which don't apply to them.
## 🔑 What?
### Changes
- **Inline bank connect wizard**: Added `ConnectAccountInline` component
that embeds the full 3-step bank OAuth flow within the onboarding
`create-account` step, replacing the redirect to a separate page.
- **Manual / Connected selection UI**: `StepCreateAccount` now presents
a choice between manual and connected account setup before proceeding.
- **Auto-account creation on OAuth callback**:
`AccountMappingController` and `AuthorizationController` auto-create
accounts for non-onboarded users and redirect back to
`/onboarding?step=create-account` instead of showing the mapping UI.
- **`?step=` deep-linking**: The onboarding page reads a `?step=` query
param on mount and starts at that step, so returning from bank OAuth
lands at the right place.
- **Skip import steps for connected accounts**: `handleAccountCreated`
detects `connected: true` and skips `import-transactions` /
`import-balances`, going directly to `category-types` (first account) or
`more-accounts` (subsequent accounts).
- **Fix phantom account in more-accounts**: Connected accounts are no
longer added to `createdAccounts` state (they already appear via
`existingAccounts`), preventing a duplicate nameless entry in the final
account list.
- **Feature flags enabled in non-production**: `open-banking` and
`account-mapping` Pennant flags now resolve to `! app()->isProduction()`
instead of always `false`.
- **Open-banking routes accessible during onboarding**: Removed
`onboarded`/`subscribed` middleware from open-banking routes;
`EnsureOnboardingComplete` middleware explicitly allows `open-banking.*`
routes through.
## ✅ Verification
### Tests
- Updated `tests/Browser/OnboardingFlowTest.php` to reflect new UI
(manual/connected selection).
- Existing feature tests for open-banking controllers pass (pre-existing
failures in Binance/Bitpanda/IndexaCapital/AuthorizationController tests
are from a prior commit unrelated to this work).
### Manual Verification
- Connected account flow tested end-to-end: bank OAuth → auto-account
creation → redirect to `create-account` step → Continue → skip import
steps → `category-types`.
- 7-account BBVA user correctly shows all accounts in `more-accounts`
via `filteredExistingAccounts` with no phantom entry.
- Feature flags confirmed active in local environment via tinker.
## Summary
Implements a complete user onboarding flow that guides new users through
setting up their account after registration.
## Features
- **Step-by-step wizard UI** with progress indicator and smooth
animations
- **E2E Encryption setup** with password strength indicator and
explanation of how encryption works
- **Account creation** supporting all account types (checking, savings,
credit card, investment, pension)
- **Category customization** with explanation of category types
(expenses, income, transfer)
- **Smart rules explanation** covering why there is no AI
auto-categorization (privacy & E2EE)
- **Transaction/balance import** based on account type
- **Sync integration** to ensure data consistency with backend
## Flow Diagram
```mermaid
flowchart TD
A[User Registration] --> B[Welcome]
B --> E[Encryption Explained]
E --> C{Has encryption key?}
C -->|No|F[Encryption Setup]
C -->|Yes|G{Has Existing Accounts?}
G -->|Yes| H[Show Existing Accounts]
G -->|No| I[Create First Account]
H --> J[Continue]
I --> K{Account Type?}
K -->|Checking/Savings/Credit Card| L[Import Transactions]
K -->|Investment/Pension| M[Import Balances]
J --> N[Category Types Explanation]
L --> N
M --> N
N --> O[Customize Categories]
O --> P[Smart Rules Explanation]
P --> Q[More Accounts?]
Q -->|Add More| I
Q -->|Finish| R[Complete]
R --> S[Redirect to Dashboard]
S --> T{Subscribed?}
T -->|No| U[Subscribe Page]
T -->|Yes| V[Dashboard]
```
## Technical Changes
### Backend
- Added `onboarded_at` field to users table with migration
- Created `EnsureOnboardingComplete` middleware for redirect logic
- Created `OnboardingController` with index and complete actions
- Custom `RegisterResponse` to redirect new users to onboarding
- Updated `AccountController::store` to return JSON for fetch requests
### Frontend
- `OnboardingLayout` - fullscreen layout with step progress
- `useOnboardingState` hook - manages step navigation and state
- 12 step components for each onboarding screen
- Backend sync after account creation and imports
### Tests
- Feature tests for onboarding middleware
- Updated existing tests to use `onboarded()` factory state
Víctor Falcón