money

# Money ## When to use Account balances, transaction history, and spending analysis across the user's bank accounts. ## Setup Requires Plaid API credentials. Fail loud when they are missing: ``` PLAID_CLIENT_ID=... PLAID_SECRET=... # sandbox keys first, production only when asked ``` The Link flow opens in the user's browser — the user completes it, the agent drives everything after token exchange. Start in `sandbox`; touch `production` only with explicit approval. ## Workflow 1. Exchange the public token once: `POST /item/public_token/exchange`. 2. Balances: `POST /accounts/balance`. History: `POST /transactions/sync` with its cursor, paging until `has_more` is false. 3. Report with dates, merchant names, and amounts; call out pending vs posted. 4. Spending analysis aggregates by category or merchant on request. ## Non-goals - Do not move money, pay bills, or initiate transfers. Read-only, always. - Do not store account or routing numbers beyond the session need. - Do not paste secrets into chat, logs, or files.