feat(treasury): policy layer for tax transfers and Amex paydowns (W3) - #401
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feat(treasury): policy layer for tax transfers and Amex paydowns (W3)#401adme-dev wants to merge 1 commit into
adme-dev wants to merge 1 commit into
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Kellie's cash-management judgment — weekly NAB Business → NAB Tax transfers with month-varying amounts and a skip-first-Monday rule, and Amex statement paydown tranches — cannot live in Xero (its cashflow tools exclude transfers and card paydowns) and proved unmaintainable as hand-keyed commitment rows. Worse, an internal transfer modelled as a commitment depressed the org-level 13-week forecast: cash moving between our own accounts is not an outflow. - treasury_policies table (migration 377): one config row per policy type per tenant, applied to prod (additive, IF NOT EXISTS). - server/utils/treasuryPolicy.ts: pure derivation of dated lines from config; internal transfers tagged and excluded from org-level outflow, Amex paydowns join weekly outflows. - cashflow-13w: policy lines wired in; policyLines + totalPolicyOutflow exposed for the UI. - GET/PUT /api/cashflow/policies with zod validation per policy type. - Policies seeded from Kellie's 12 Aug sheet (Aug-26 $16k/wk … May-27 $15.5k/wk, skip 1st Monday; Amex $50k 13/8 + $35,327.37 21/8). CUTOVER on deploy: close the two 'Amex — statement payment' commitment rows (notes on the rows say so) — they stay 'expected' so the live forecast keeps the outflow until this code ships. Workstream W3 of .paul/PLAN-2026-08-13-spreadsheet-retirement-platform-work.md. Settings UI for Kellie follows separately (frontend-design pass). Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
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Why
Workstream W3 of the spreadsheet retirement (
.paul/PLAN-2026-08-13-spreadsheet-retirement-platform-work.md, Monday board C-12). Kellie's cash-management judgment — weekly NAB Business → NAB Tax transfers with month-varying amounts and a skip-first-Monday rule, plus Amex statement paydown tranches — can't be represented in Xero (its own cashflow tools exclude transfers and card paydowns). Hand-keying them as commitment rows recreated the spreadsheet's maintenance burden, and modelling an internal transfer as a commitment wrongly depressed the org-level 13-week forecast (cash moving between our own accounts isn't an outflow).What
treasury_policies(migration 377, already applied to prod — additive): one JSONB config row per policy type per tenant.server/utils/treasuryPolicy.ts— pure derivation of dated lines:tax_transfer(per-month weekly amounts, 1-based skip-Monday rules) taggedinternal_transferand excluded from org-level outflow;amex_paydowntranches join weekly outflows as real cash events.cashflow-13w— policy lines wired in;policyLinesandtotalPolicyOutflowexposed for the UI / per-account views.GET/PUT /api/cashflow/policies— zod-validated per policy type.Cutover step on deploy
The two
Amex — statement paymentcommitment rows are stillexpectedso the live forecast keeps that outflow until this ships. Close them when this deploys (theirnotesfield says exactly this); otherwise the week of 17 Aug double-counts ~$35k.Tests
test/server/utils/treasuryPolicy.test.ts— skip rules, per-month amounts, horizon bounds, default fallback, past-tranche exclusion (validated against Kellie's actual Aug/Sep/Oct/Nov Monday patterns).test/server/suite: 4,811 passed.Follow-ups
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