whisper-money/app/Services
Víctor Falcón 8013a0b6f2
feat(ai): auto-categorize transactions with AI (behind flag) (#535)
## What

Auto-categorizes transactions with AI (Gemini) for **pro +
AI-consented** users when no automation rule already matched. Ships the
full backend **behind a Pennant flag, off by default**, so it's
mergeable and testable in isolation; the UI is a deliberate follow-up.

## Why / cost

Prod check first: ~20k txns/month, **~52% of pro-user transactions are
uncategorized** after rules. At Gemini Flash-Lite rates the cost is a
**rounding error** — ~$0.13–$0.75/month for all pro users, single-digit
dollars even on full Flash. So the model is chosen for accuracy, not
price; the real constraints are trust, accuracy and privacy.

## How it works

**Two tiers** (every transaction is covered, rules are an optimization
on top):
- **Tier 1 – label** — a queued listener runs *after* the synchronous
rules; if still uncategorized and the user is eligible, the model picks
a **leaf** category (referenced by numeric index, never a UUID, so it
can't hallucinate one). Auto-applied only above the **label bar**
(`0.7`); below → left blank, no nag. Tagged `category_source = ai` +
`ai_confidence`, fully reversible.
- **Tier 2 – learn** — above the higher **rule bar** (`0.85`) *and* a
clean merchant key *and* the model flags the merchant unambiguous → the
merchant is appended to a single **ai-owned** automation rule for that
category (OR'd conditions, not rule-sprawl), so future transactions
match for free and consistently. AI rules sit at the lowest priority;
**user-owned rules are never touched**.

**Self-heal + signal** — when a user overrides an AI category, a
`category_correction` is logged (calibration signal, bucketable by
confidence) and the offending merchant condition is dropped from the ai
rule (deleted if empty). User rules and manual categories are untouched.

**Safety** — config kill switch + pro + active consent + gradual Pennant
rollout. Dedicated `ai` queue so Gemini never blocks bank syncs.
Encrypted (client-side) transactions are never sent.

**Backfill** — `ai:categorize-backfill {user}`, explicit opt-in,
batched, learns rules as it goes.

## Data model

- `transactions`: `category_source`, `ai_confidence`,
`categorized_by_rule_id`
- `automation_rules`: `origin` (`user`/`ai`)
- new `category_corrections` table

## Screenshots

<img width="921" height="384" alt="image"
src="https://github.com/user-attachments/assets/f04c2a03-b39e-4a3d-81eb-ecf26eaefb83"
/>
2026-06-15 16:35:20 +02:00
..
Ai feat(ai): auto-categorize transactions with AI (behind flag) (#535) 2026-06-15 16:35:20 +02:00
Banking feat(open-banking): finalize bank connection without a session via state token (#498) 2026-06-06 12:12:07 +02:00
Demo Remove encryption from browser tests and demo user (#129) 2026-02-17 11:45:27 +01:00
Discord feat: add Discord admin feed for daily stats and Stripe events (#458) 2026-05-30 18:14:46 +02:00
Stripe feat(discord): enrich Stripe event messages and dedupe deliveries (#460) 2026-05-31 12:50:37 +02:00
AccountMetricsService.php Preload exchange rates (#362) 2026-05-06 16:35:49 +01:00
AccountUserCurrencyService.php fix(accounts): sync currency from first account (#430) 2026-05-25 20:55:24 +02:00
AuthEntryPointService.php fix: route new PWA guests to signup (#313) 2026-04-21 10:53:05 +01:00
AutomationRuleService.php feat(ai): auto-categorize transactions with AI (behind flag) (#535) 2026-06-15 16:35:20 +02:00
BalanceLookup.php fix(static-analysis): clear phpstan-baseline by fixing all suppressed errors (#183) 2026-03-02 12:22:30 +00:00
BudgetPeriodService.php fix(budgets): make period generation idempotent (#533) 2026-06-15 12:44:44 +02:00
BudgetTransactionService.php feat: parent/child category tree (#474) 2026-06-03 19:30:12 +02:00
CategoryTree.php feat(analysis): break down spending by sub-category (#508) 2026-06-08 14:53:36 +02:00
CurrencyConversionService.php fix(currency): make rate fetching resilient to slow CDN (#502) 2026-06-08 09:10:38 +02:00
CurrencyOptions.php feat(settings): centralize currency options and split profile/account support (#256) 2026-04-02 19:23:10 +02:00
ExchangeRateService.php Fix PHP-LARAVEL-1V exchange rate cache race (#383) 2026-05-12 12:45:45 +02:00
LandingAuthOverrideService.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LeadCohortResolver.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LeadPromoCodeAllocator.php feat(leads): cohort-based launch invitations with per-user Stripe coupons (#333) 2026-04-30 15:10:28 +01:00
LoanAmortizationService.php fix(dashboard): avoid month overflow in real estate projection (#340) 2026-04-30 13:53:01 +00:00
LoanBalanceGeneratorService.php feat(loans): backfill historical balances on loan creation (#322) 2026-04-24 13:09:34 +01:00
ManualBalanceAdjuster.php feat: optionally update manual account balance on transaction delete (#491) 2026-06-05 11:30:31 +02:00
PeriodComparator.php feat(cashflow): add savings and period views (#424) 2026-05-25 16:41:00 +02:00
RealEstateBalanceGeneratorService.php feat(real-estate): auto-calculate revaluation % and generate historical balances (#253) 2026-04-15 12:18:33 +00:00
ResendService.php feat: sync user leads to resend (#283) 2026-04-13 19:56:08 +01:00