Víctor Falcón 29d13ceed1 feat(paywall): require a plan when the user has accepted AI (#564) ... ## What Forces users who have accepted AI consent to choose a plan, the same way connecting a bank already does. ## Why AI suggestions are a paid-plan feature (`PlanFeature::AiSuggestions`), and the onboarding notice tells the user *"AI suggestions are a Standard Plan feature. You'll choose a plan at the end of the onboarding."* But that was never enforced: `EnsureUserIsSubscribed` only gated on bank connections, never on AI consent. A user who accepted AI without connecting a bank saw the paywall once, got `paywall_seen_at` marked, and then fell through to **free** access — making the notice a false promise. ## Change - `EnsureUserIsSubscribed`: a non-Pro user with an **active AI consent** is now kept on the paywall on every request, exactly like a bank-connected user (added `&& ! $user->hasActiveAiConsent()` to the free-access branch). - `SubscriptionController::index`: `canUseFreePlan` is now `false` when the user has an active AI consent, so the paywall stops offering the free option to these users (keeps page and middleware consistent). - Revoking AI consent (`hasActiveAiConsent()` → false) restores free-plan access — a clean escape hatch. Onboarding itself is unaffected: the onboarding / AI-consent / rule-suggestion routes live in the `auth,verified` group **without** the `subscribed` middleware, so consenting mid-onboarding does not lock the user out of finishing. The paywall only kicks in afterward, when accessing the app — which is the intended behavior and matches the notice. ## Tests 4 new tests in `SubscriptionTest` (forced to paywall even after seeing it; `canUseFreePlan` false; subscribed users with consent still get access; revoking consent restores free access). Full `SubscriptionTest` green (38 passed). `pint` clean. ## ⚠️ Behavior change for existing users This applies retroactively. From prod, **34 users currently have an active AI consent**; any of them on the free plan today (no bank, `paywall_seen_at` set) will be redirected to the paywall after deploy and must subscribe or revoke consent. If we want to grandfather existing consenters and only enforce this going forward, that needs an extra condition (e.g. consent recorded after a cutoff date) — flag me and I'll add it.		2026-06-19 14:18:49 +00:00
..
Ai	AI auto-categorization: open to pro + consent, nudge free users (#561)	2026-06-19 14:08:40 +00:00
Api	Remove encryption from bank account names (#104)	2026-02-09 14:15:26 +01:00
Auth	feat(users): track last login and last active timestamps (#516)	2026-06-10 11:01:30 +02:00
Commands	feat(leads): add user lead re-invite campaign (#432)	2026-05-26 08:35:31 +02:00
Console	feat(drip): email users stuck on the paywall a day after onboarding (#562)	2026-06-19 14:11:12 +00:00
Jobs	feat(drip): email users stuck on the paywall a day after onboarding (#562)	2026-06-19 14:11:12 +00:00
Listeners	feat(budgets): track multiple categories and labels per budget (#466)	2026-06-01 12:32:23 +02:00
Mail	feat(leads): add user lead re-invite campaign (#432)	2026-05-26 08:35:31 +02:00
Onboarding	feat(ai): defer per-transaction categorization until onboarding completes (#536)	2026-06-15 17:33:26 +02:00
OpenBanking	fix(banking): skip inaccessible EnableBanking accounts instead of failing the connection (#559)	2026-06-19 08:59:05 +02:00
Services	feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333)	2026-04-30 15:10:28 +01:00
Settings	fix(account): block deletion while subscription or trial is active (#531)	2026-06-14 20:46:44 +02:00
Sync	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
AccountBalanceControllerTest.php	feat: investment benefits — show gains/losses on investment accounts (#140)	2026-02-23 13:59:10 +01:00
AccountControllerTest.php	refactor(api): standardize serialization via model $hidden (#492)	2026-06-05 13:57:34 +02:00
AiConsentTest.php	feat(ai): suggest automation rules during onboarding (#523)	2026-06-13 22:51:15 +02:00
ApplyRealEstateRevaluationTest.php	fix(real-estate): compound annual revaluation monthly (#337)	2026-04-27 07:35:51 +01:00
AuthenticatedLayoutSafeAreaTest.php	fix(layout): keep bottom padding while floating nav is visible (#537)	2026-06-15 18:23:26 +02:00
AutomationRuleApplicationTest.php	feat(transactions): add counterparty fields (#440)	2026-05-27 16:20:55 +02:00
AutomationRuleEvaluationTest.php	feat(transactions): add counterparty fields (#440)	2026-05-27 16:20:55 +02:00
AutomationRuleTest.php	refactor(api): standardize serialization via model $hidden (#492)	2026-06-05 13:57:34 +02:00
BackfillAccountIbansCommandTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
BalanceLookupTest.php	feat: investment benefits — show gains/losses on investment accounts (#140)	2026-02-23 13:59:10 +01:00
BudgetHistoricalAssignmentTest.php	feat(budgets): track multiple categories and labels per budget (#466)	2026-06-01 12:32:23 +02:00
BudgetPeriodDateTest.php	Remove budgets feature flag (#108)	2026-02-12 09:58:01 +01:00
BudgetPeriodServiceTest.php	fix(budgets): make period generation idempotent (#533)	2026-06-15 12:44:44 +02:00
BudgetTest.php	feat: add catch-all budgets (#527)	2026-06-15 16:07:19 +00:00
BudgetTransactionServiceTest.php	feat: parent/child category tree (#474)	2026-06-03 19:30:12 +02:00
BulkUpdateTransactionsTest.php	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
CancelFreeEnableBankingConnectionsCommandTest.php	Cancel Enable Banking connections for free users (#289)	2026-04-15 16:23:03 +02:00
CashflowAnalyticsTest.php	fix(cashflow): bound trend window to prevent request timeout (#534)	2026-06-15 12:47:27 +02:00
CashflowPageTest.php	feat(cashflow): add savings and period views (#424)	2026-05-25 16:41:00 +02:00
CatchAllBudgetTest.php	feat: add catch-all budgets (#527)	2026-06-15 16:07:19 +00:00
CategoryMonthlyBreakdownTest.php	feat(analysis): per-category 12-month spending drawer (#519)	2026-06-11 09:52:53 +02:00
CurrencyConversionServiceTest.php	fix(currency): make rate fetching resilient to slow CDN (#502)	2026-06-08 09:10:38 +02:00
DashboardAnalyticsTest.php	feat: expand parent categories inline in breakdowns (#486)	2026-06-04 11:19:21 +02:00
DashboardTest.php	feat: parent/child category tree (#474)	2026-06-03 19:30:12 +02:00
DecryptTransactionsTest.php	feat: Decrypt encrypted transactions on key unlock (#123)	2026-02-16 10:37:43 +01:00
DeleteUserCommandTest.php	Support soft-deleted users with reusable emails (#316)	2026-04-22 11:41:41 +01:00
DemoAccountRestrictionsTest.php	test: Optimize DemoAccountRestrictionsTest to run under 10s	2026-01-28 21:27:27 +01:00
DisconnectBankingConnectionsCommandTest.php	feat(banking): add command to disconnect connections by id (#497)	2026-06-06 11:16:01 +02:00
DiscordWebhookTest.php	feat: add Discord admin feed for daily stats and Stripe events (#458)	2026-05-30 18:14:46 +02:00
EncryptionTest.php	User Onboarding Flow (#23)	2025-12-12 13:06:08 +01:00
ExampleTest.php	Install Pest	2025-11-07 12:01:58 +00:00
ExchangeRateServiceTest.php	Fix PHP-LARAVEL-1V exchange rate cache race (#383)	2026-05-12 12:45:45 +02:00
GenerateStripePromotionCodesCommandTest.php	feat(stripe): add promo code generator (#311)	2026-04-20 18:15:28 +01:00
IdorVulnerabilityTest.php	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
ImportDataTest.php	fix: Apply automation rule labels on transaction creation and import (#79)	2026-01-27 11:11:29 +01:00
InertiaSharedDataTest.php	feat(connections): manage which accounts a bank connection syncs (#558)	2026-06-18 16:22:49 +02:00
IntegrationRequestTest.php	fix(integration-requests): freeze votes on not-doable requests (#555)	2026-06-18 10:54:56 +00:00
LabelTest.php	refactor(api): standardize serialization via model $hidden (#492)	2026-06-05 13:57:34 +02:00
LandingAuthOverrideTest.php	feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333)	2026-04-30 15:10:28 +01:00
LoanTest.php	feat(discord): enrich Stripe event messages and dedupe deliveries (#460)	2026-05-31 12:50:37 +02:00
LocalizationTest.php	feat(i18n): add French translation support (#532)	2026-06-15 19:15:43 +02:00
LoggingConfigTest.php	fix(logging): keep laravel.log writable across container UIDs (#451)	2026-05-29 15:10:50 +02:00
MailSenderTest.php	Cancel Enable Banking connections for free users (#289)	2026-04-15 16:23:03 +02:00
PlaintextTransactionsTest.php	Remove plaintext-transactions feature flag & E2E references (#116)	2026-02-13 11:10:21 +01:00
PlanFeatureTest.php	feat(ai): suggest automation rules during onboarding (#523)	2026-06-13 22:51:15 +02:00
PopoverSafeAreaTest.php	fix: keep iOS popovers below the notch (#282)	2026-04-13 15:19:56 +01:00
PostStripeEventToDiscordTest.php	fix(discord): skip zero-amount payment stats messages (#540)	2026-06-15 19:21:47 +02:00
PwaTest.php	Harden browser storage and PostHog recording (#402)	2026-05-14 15:57:48 +02:00
ReEvaluateTransactionRulesTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
RealEstateAvailabilityTest.php	refactor(real-estate): remove Pennant gating (#308)	2026-04-20 13:31:49 +01:00
RealEstateTest.php	refactor(real-estate): remove Pennant gating (#308)	2026-04-20 13:31:49 +01:00
ResendLeadVerificationEmailsCommandTest.php	feat: resend verification emails to unverified leads (#287)	2026-04-15 09:13:27 +01:00
ResendSyncCommandTest.php	feat: Sync new users to Resend contacts (#85)	2026-01-28 21:25:58 +01:00
ResendSyncLeadsCommandTest.php	perf(resend): default sync-leads to last 24h window (#354)	2026-05-05 09:57:25 +01:00
RouteNotificationForMailTest.php	fix(notifications): skip mail dispatch when recipient email is invalid (#387)	2026-05-13 09:47:50 +01:00
SavedFilterTest.php	feat(analysis): project-aware transaction analysis (#513)	2026-06-09 15:32:07 +02:00
SendAiCohortReportCommandTest.php	feat(ai): add weekly AI-suggestions cohort report (#530)	2026-06-13 23:23:34 +02:00
SendDailyStatsReportCommandTest.php	feat(discord): enrich Stripe event messages and dedupe deliveries (#460)	2026-05-31 12:50:37 +02:00
SendStuckCohortReportCommandTest.php	feat(stats): weekly paywall stuck-cohort report to Discord (#563)	2026-06-19 14:12:51 +00:00
SentryConfigTest.php	fix(sentry): only report errors in production (#467)	2026-06-01 12:41:31 +02:00
SentryUserMiddlewareTest.php	Add Sentry user context (#348)	2026-05-04 13:26:50 +01:00
SetLocaleTest.php	feat(i18n): add French translation support (#532)	2026-06-15 19:15:43 +02:00
SitemapTest.php	User Onboarding Flow (#23)	2025-12-12 13:06:08 +01:00
StripeSubscriptionStatsCommandTest.php	feat: add Discord admin feed for daily stats and Stripe events (#458)	2026-05-30 18:14:46 +02:00
SubscriptionTest.php	feat(paywall): require a plan when the user has accepted AI (#564)	2026-06-19 14:18:49 +00:00
SuggestionPersistenceTest.php	feat(ai): suggest automation rules during onboarding (#523)	2026-06-13 22:51:15 +02:00
SyncBankingConnectionsCommandTest.php	chore: Remove account-mapping feature flag (#252)	2026-04-01 12:09:22 +02:00
SyncStripePricesCommandTest.php	fix(pricing): update final release prices (#288)	2026-04-15 14:49:02 +01:00
TrackLastActiveAtTest.php	feat(users): track last login and last active timestamps (#516)	2026-06-10 11:01:30 +02:00
TransactionAnalysisTest.php	feat(analysis): shared bar-list breakdowns in transaction drawer (#517)	2026-06-10 12:36:20 +02:00
TransactionFilterTest.php	fix(transactions): prevent crash when sorting by nullable column (#501)	2026-06-06 17:23:21 +02:00
TransactionTest.php	refactor(api): standardize serialization via model $hidden (#492)	2026-06-05 13:57:34 +02:00
UserLeadTest.php	feat: verify waitlist leads (#285)	2026-04-14 11:26:01 +01:00
WelcomeBanksOrderingTest.php	feat(open-banking): remove feature flag gating (#297)	2026-04-17 10:20:05 +02:00