fetch

name	fetch
description	Fetch bank and credit card transactions from Pluggy API for a target month and write the raw month files used by the pipeline.

Fetch Transactions

Run the bundled script (no per-month code):

node plugins/open-personal-finance/scripts/fetch.mjs --household {household} --month {YYYY-MM}

It authenticates with Pluggy (credentials from {household}/.env.local), pulls every non-manual account in pluggy_items.json for the month window, preserves the full Pluggy payload (only rename creditCardMetadata → metadata), appends household metadata (_holder, _accountType, _accountName, _accountNumber from pluggy_items.json, _bank), dedupes by id, and writes:

{household}/{YYYY-MM}/expenses/
  transactions_raw.json   ← all transactions (source of truth)
  cc_open_bill.json       ← CREDIT + status PENDING
  cc_closed_bill.json     ← CREDIT + status POSTED
  savings.json            ← BANK

Notes

• Run /accounts first if pluggy_items.json is stale.
• A fresh month's first fetch can be incomplete (Pluggy still syncing) — if a new month returns suspiciously few card rows, run it again.
• Then run /audit on the split files, or proceed to /recompile.