A personal mirror of an Up Bank account: transactions arrive by webhook within seconds (daily sweep as backup), land raw in bronze, become typed rows in silver, and roll up into gold marts for spend and cashflow.

1. Remix this val. Migrations bootstrap the schema on first run.
2. Set UP_API_TOKEN in env vars (token from https://api.up.com.au).
3. Trigger jobs/bronze.cron.ts a few times until the logs report backfill done. Each run resumes from its cursor.
4. Silver and gold fill on the next quarter-hour, or trigger their crons in order.
5. In tools/webhookSetup.ts set MODE = "register", run, paste the printed secret into env vars as UP_WEBHOOK_SECRET, then MODE = "ping" and expect DELIVERED / HTTP 200. Leave MODE on status.
6. Verify in the SQLite panel: bronze count matches your history, silver matches bronze minus deleted minus rejects, gold tables have rows.
7. After changing models/silverTransform.ts, run tools/silverReplay.ts to re-transform anything in silver_rejects.

Table	Holds
bronze_transactions	Latest state per id: raw JSON as last received, upserted by id, deleted_at tombstones
bronze_transactions_log	Every observation, append-only: one row per cron page row, webhook fetch or delete event, with source and run id
silver_transactions	Typed columns, integer cents, UTC timestamps, live rows only
silver_rejects	Bronze ids toSilver refused, with reason and attempt count; clears itself when the id transforms cleanly
gold_category_spend	Settled spend per day and category, rebuilt whole; durations roll up at query time
gold_cashflow	Settled money in and out per day and account, rebuilt whole
gold_balance	Reconstructed balance per day and account, dense day spine
gold_income	Income per day and type (salary, interest, tax refunds), rebuilt whole
meta	Cursors, watermarks, locks, per-job run state

Why it is built this way: docs/adr/.