Add account balance anchors

With the classification select beside the review toggle, the search
shrank to a sliver at phone widths; below 680px it now takes its own
full-width row.

OPERATIONS.txt

@@ -13,7 +13,12 @@ from Accounts and confirm the reviewed mapping. The application starts empty
 except for expense/income fallback categories. Create your category tree, tags,
 and merchants in the UI. Enable a merchant's default rule explicitly only when
 its category/tags are reliable; leave it disabled for ambiguous merchants such
-as Amazon.
+as Amazon. Category and tag pickers create in place: type an unknown name in
+a category picker and choose "Create … in …" (a bare name lands under the
+kind's root; "Parent / Name" targets that parent), or type a new tag next to
+the tag checkboxes. Assignment pickers offer leaf categories only, matching
+what the server accepts; a name that already exists is selected, never
+duplicated.
 
 Tests: go test ./...
 The Go build embeds web/dist, so build React first. CGO and a C++ linker are
@@ -147,8 +152,14 @@ this is not local AI and cannot promise that a remote provider honors policy.
 
 Each classification sends the transaction date, signed amount, currency,
 merchant and counterparty text, account institution/currency, the complete
-leaf-category registry for the transaction kind, all tags and all merchants
-with their real local IDs. Identifier-only redaction removes IBANs (with a
+leaf-category registry for the transaction kind, all tags and all merchants.
+Names, paths, hints and aliases remain available, but registry IDs use short
+request-local references (c1, m1, t1), including merchant usual categories and
+history. History includes only categories offered for that transaction kind.
+Responses are mapped back to canonical IDs and validated locally; canonical
+IDs are not accepted as alternative response references. This keeps the full
+registry without the long-ID schema overhead that providers can reject.
+Identifier-only redaction removes IBANs (with a
 directly attached BIC), labeled BIC/SWIFT references, UUIDs, URLs/emails,
 labeled payment or customer references, card fragments, long digit-bearing
 tokens, the row's own IDs, account labels and configured private names. A
@@ -161,7 +172,14 @@ response records high, medium or low confidence. Imports never auto-apply a
 low-confidence category: the row keeps the kind-specific unclassified
 category with merchant and confidence recorded. Analyse previews show the
 low-confidence suggestion unselected for review. Transactions exposes a
-Needs review filter for low-confidence or fallback rows.
+Needs review filter for low-confidence or fallback rows, and a
+classification filter over how each row was classified: manually, by AI,
+by a merchant rule, by transfer matching, or not at all. A model-proposed
+merchant name is dropped (the row keeps its validated category and tags)
+when it is identifier-shaped, longer than 100 characters, or contains
+control or format code points such as bidirectional overrides and
+zero-width characters, which could visually spoof the review UI; proposed
+taxonomy names are rejected under the same hidden-rune rule.
 
 Categories and tags have editable hints. Categories -> Propose taxonomy sends
 up to 300 grouped, redacted transaction samples, then shows proposed
@@ -536,10 +554,13 @@ repeats daily. Nothing is committed when no quote changed.
 
 A holding's value is its share count times its quote, rounded half away from
 zero to money's four places. Positions is that value summed per account, wealth
-is cash plus positions, and result is value plus everything the position
-returned less everything put into it - the outcome to date, realised and not.
-None of these figures are read from the DuckDB index: the report is recomputed
-from the journal so it can be checked against a broker's own screen.
+is cash plus positions plus hand-valued assets, and result is value plus
+everything the position returned less everything put into it - the outcome to
+date, realised and not. A hand-valued asset (a house, a car, a private loan) is
+entered on the Wealth page with a stated value, a currency and the day the
+estimate was made; a negative value records a liability. None of these figures
+are read from the DuckDB index: the report is recomputed from the journal so it
+can be checked against a broker's own screen.
 
 A broker reuses one reference across every leg of an economic event: the cash
 and position sides of a corporate action arrive with the same reference byte for
@@ -628,7 +649,20 @@ exists to be compared with the figures a bank or broker shows on its own screen.
 
 A cash balance equals the real balance only when the journal holds that
 account's complete history. A broker export does; a date-windowed bank statement
-does not.
+does not. A connected cash account closes that gap with a balance anchor: after
+its first successful sync, the bank's booked (CLBD) balance is captured once,
+verbatim, with the day it was true, and stored on the account (anchor_balance,
+anchor_date in accounts.finance). The start balance - the money from before the
+recorded rows - is derived as the anchor less every movement booked through the
+anchor day, and reads as the first line of the account's flow breakdown. Because
+the bank's figure is stored rather than the derivation, importing older history
+later corrects the start balance by itself. An available or expected balance is
+never anchored: it includes pending amounts with no booked fact to subtract. The
+anchor is set once and never moved by later syncs; clear it in the account's
+edit form and the next successful sync captures a fresh one. Running-balance
+checks are only judged after the anchor day, where the balance is observable.
+Anchors are refused on investment accounts, whose broker exports carry their
+complete history.
 
 Checks that fail mean the journal disagrees with itself: row arithmetic, cash
 never negative, holdings never negative. A negative holding means a position was
@@ -652,6 +686,7 @@ finance/
   tags.finance
   merchants.finance
   instruments.finance
+  assets.finance
   journal/YYYY/YYYY-MM.finance
   state/sync-state.json       sensitive local consent/session metadata
   state/openrouter.json       sensitive UI-managed OpenRouter key or explicit disable
@@ -686,7 +721,9 @@ The grammar is version-one strict: extension/split fields are not accepted yet.
 Future format extensions require an explicit parser migration.
 
 Stable category IDs survive renaming and moving; assigned categories must remain
-leaves. Built-in roots and fallback leaves are protected. Move assigned records
+leaves. Registry display names (category, tag, merchant, instrument) are
+capped at 200 characters server-side, matching every UI form. Built-in roots
+and fallback leaves are protected. Move assigned records
 to another leaf before adding children to their former category. Category
 merges migrate referenced transactions/defaults; tag merges deduplicate links;
 tag deletion removes all affected links after UI confirmation. Merchant merging
@@ -729,6 +766,8 @@ and revisited, and Stop abandons the run without writing anything. A run that
 has produced no successful proposal and fails three times in a row with the
 same error stops early and reports that error instead of repeating it across
 the whole range. Only one run exists at a time.
+Starting analysis reads the latest journal, independent of the page's revision.
+The page refreshes registry labels before starting; analysis itself writes nothing.
 History precedent sent with each request marks the user's own decisions
 (manual edits and merchant rules) as source user, ranks them ahead of the
 model's earlier answers, and reserves window slots for them, so one manual
@@ -736,11 +775,12 @@ correction outweighs repeated uncorrected AI output for the same payee.
 Manually linking a merchant also records the counterparty as an alias, so
 recurring payees classify locally without any provider request.
 The finished run is a read-only preview. Apply all/selected writes all
-selected changes in one canonical commit; financial facts never change. A
-manual edit, external journal change or taxonomy change invalidates old previews.
-Previews are kept in memory for up to one hour and disappear on restart. Cancel
-writes nothing. Transfers and broker facts are skipped, and unselected fields
-are preserved.
+selected changes in one canonical commit; financial facts never change. Apply
+checks selected transactions against the preview snapshot; unrelated journal
+commits do not require another analysis.
+Previews are kept in memory for up to 24 hours from the start of analysis and
+disappear on restart. Cancel writes nothing. Transfers and broker facts are
+skipped, and unselected fields are preserved.
 When a selected transaction is linked to a merchant, applying the preview and
 manual transaction edits may add its normalized counterparty as an alias if
 that alias is unambiguous and the merchant has fewer than 32 aliases. A new

README.md

@@ -144,6 +144,8 @@ Finance Duck verifies the callback state, exchanges the returned code for a `ses
 
 Initial synchronization requests the selected number of **calendar months of booked transactions per account**, defaulting to **12 months**. The bank may provide less history. The choice is saved with the bank connection and reused on reconnection. Automatic synchronization then runs **twice a day**, every **12 hours** after the last successful run, overlapping each account's last successful sync by **14 days**. **Sync now** starts a manual synchronization at any time. Existing accounts keep their successful-sync cursors: changing the history choice or reconnecting does **not** backfill them. Older history can be imported with CSV.
 
+**The start balance is anchored, not guessed.** Open banking shares a date-windowed history, so the sum of the recorded rows alone is not the account's real balance — the money from before the window is missing. After a connected cash account's first successful sync, Finance Duck captures the bank's **booked balance** once, with the day it was true, and stores it on the account (`anchor_balance`, `anchor_date`). **Wealth** then derives the start balance — the anchor less every movement booked through the anchor day — shows it as the first line of the account's flow breakdown, and reports the real balance. Only the booked (CLBD) figure is used, never an available balance that includes pending amounts. The anchor is set once and never moved by a later sync; importing older history corrects the derived start balance by itself, and clearing the anchor in the account's edit form makes the next sync capture a fresh one.
+
 **HTTP 429 is a provider rate limit, not evidence that bank consent has expired.** Bank reads honor `Retry-After` and use bounded exponential retries. A longer or exhausted limit pauses further requests until the reported retry time; failed accounts keep their previous sync cursors and imported data. Session checks use the saved account metadata rather than fetching every account's details again. A failed session is reported once instead of also marking each of its accounts unavailable. After the cooldown, **Sync now** can retry; the warning clears after a successful sync. One-time authorization and code-exchange requests are never automatically replayed.
 
 **A rate-limited sync is a wait, not a fault.** While every failing bank has supplied a retry time, the dashboard reports that synchronization retries by itself after that moment, the account card shows a rate-limit badge instead of a connection error, and the background scheduler sleeps until the deadline rather than retrying hourly into a refusal it already knows about. **Sync now** still tries immediately. Any failure without a supplied deadline keeps the hourly retry, and its cause is named where Finance Duck can determine it locally: an expired consent, an HTTP status, an unreachable provider, or a response it cannot use, such as a booked transaction without a booking date. Provider response text is never displayed.
@@ -220,6 +222,8 @@ One ISIN lists on several exchanges in different currencies, and the wrong listi
 
 **Verify it yourself.** **Wealth** shows each account's cash, its positions as exact share counts, each holding's quote, value and result, and named checks — row arithmetic, cash never negative, holdings never negative, holdings priced. Compare the cash balance and the positions against your broker's own screen. The figures come from the journal, not from the DuckDB index, so they do not depend on the cache that the same journal derives. A negative holding means the imported history is partial: a position was closed that was never opened.
 
+**Other assets.** Possessions with no market feed — a house, a car, a private loan — are added by hand on the **Wealth** page with a stated value, a currency and the day the estimate was made, and they join the total immediately. A negative value records a liability such as a mortgage. Each asset is a plaintext block in `assets.finance` like every other registry entity, so a backup carries it and a text editor can correct it. The value is never guessed or aged: it stays what you stated, dated, until you re-edit it.
+
 Deliberately **not** included: intraday prices, net worth over time, FIFO lot accounting, realised gains, `Vorabpauschale`, and currency conversion. A position's *invested* figure is cash in less cash out, not a cost basis, and *result* is value plus everything returned less everything put in — the outcome to date, not a taxable gain.
 
 ## Deployment options
@@ -421,7 +425,9 @@ Bank synchronization and recognized N26, ING, and Kontist CSV imports do **not**
 
 **Classify newly imported transactions with AI** under **Classification preferences** controls whether importing contacts the provider at all. It covers CSV imports and bank synchronization, is on by default, and is stored as `classify_on_import` in `config.toml`. With it off, no import makes a provider request: enabled merchant rules still classify, and everything else arrives unclassified and editable without a failure that would suggest the provider was unreachable. **AI classification → Analyse** still works on demand, so you can review a batch deliberately instead of on every import.
 
-AI classification sends only identifier-redacted text: the transaction's own IDs, account identifiers and labels, payment references, labeled or IBAN-attached BICs, and configured private names are removed, while merchant and counterparty text remains available for recognition. Classification responses carry `high`, `medium`, or `low` confidence. Imports never auto-apply a low-confidence category — the row stays on the kind-appropriate unclassified category with the merchant link and confidence recorded — while **Analyse** previews show the low-confidence suggestion unselected for review, and **Transactions → Needs review** lists both.
+AI classification sends only identifier-redacted text: the transaction's own IDs, account identifiers and labels, payment references, labeled or IBAN-attached BICs, and configured private names are removed, while merchant and counterparty text remains available for recognition. Classification responses carry `high`, `medium`, or `low` confidence. Imports never auto-apply a low-confidence category — the row stays on the kind-appropriate unclassified category with the merchant link and confidence recorded — while **Analyse** previews show the low-confidence suggestion unselected for review, and **Transactions → Needs review** lists both. Transactions also filters by classification status — manual, AI, merchant rule, transfer match, or unclassified — matching the labels its Source column shows.
+
+Classification choices retain their names, paths, hints, and aliases, but use short request-local references such as `c1`, `m1`, and `t1` instead of long database IDs. Merchant defaults and applicable classification history use the same references. Every eligible category, merchant, and tag remains available; responses are mapped back to canonical IDs and validated locally.
 
 From **Categories**, **Propose taxonomy** samples up to 300 redacted transactions, grouped so recurring counterparties are represented without sending raw identifiers. The proposal can suggest categories, tags, and merchants with hints and evidence. Approve each item individually; applying it also creates any approved category parents required by the hierarchy. Existing registry entries and transaction facts are never overwritten.
 
@@ -435,6 +441,8 @@ The classifier learns from you in three ways. Manually linking a merchant record
 
 **AI classification → Analyse** runs in the background: the page shows how many transactions have been analysed, proposed changes, and every per-transaction failure as it happens, with a **Stop** button that abandons the run without writing anything. You can navigate away and return; the run keeps building and the page re-attaches to it. A run that has produced no successful result and fails **three times in a row with the same error** stops early and reports that error — a wrong key or an unsupported model surfaces within seconds instead of repeating across the whole range.
 
+Wherever a category or tag is assigned — the transaction editor, an **Analyse** correction, or a merchant's defaults — the picker creates missing entries in place. Type a name and choose **Create "…" in …**: a bare name lands under the kind's root, and **Parent / Name** creates under that parent. New tags are typed next to the tag checkboxes. Assignment pickers offer leaf categories only, matching what the server accepts, and an existing name is selected rather than duplicated. Creating during an **Analyse** review keeps the preview applicable as long as the transactions themselves are unchanged.
+
 ## Data, backups, and recovery
 
 Back up the **entire canonical finance directory**, including registry files, journals, `config.toml` when present, and operational/recovery state, plus any separately stored environment-managed secrets. `state/openrouter.json` and `state/enablebanking.json` contain UI-managed credentials: protect backups accordingly, including the matching banking session state. Stop the service for a consistent filesystem backup. DuckDB under `cache/` can be excluded and rebuilt.

internal/app/app_test.go

@@ -60,6 +60,64 @@ func seed(t *testing.T, a *App, s State) State {
 	return result.State
 }
 
+func TestSaveAccountClearsStaleBalanceAnchorOnIdentityChange(t *testing.T) {
+	cases := []struct {
+		name   string
+		change func(*domain.Account)
+		clear  bool
+	}{
+		{
+			name: "currency",
+			change: func(account *domain.Account) {
+				account.Currency = "USD"
+			},
+			clear: true,
+		},
+		{
+			name: "external account",
+			change: func(account *domain.Account) {
+				account.ExternalAccountID = "new_uid"
+			},
+			clear: true,
+		},
+		{
+			name: "display name",
+			change: func(account *domain.Account) {
+				account.DisplayName = "Renamed"
+			},
+			clear: false,
+		},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			a, s := testApp(t)
+			anchored := s.Data.Accounts[0]
+			anchored.ExternalAccountID = "old_uid"
+			anchored.AnchorBalance = "100.00"
+			anchored.AnchorDate = "2026-09-10"
+			var err error
+			s, err = a.Mutate(context.Background(), s.Revision, func(d *domain.Dataset) error {
+				return SaveAccount(d, anchored)
+			})
+			if err != nil {
+				t.Fatal(err)
+			}
+			changed := anchored
+			tc.change(&changed)
+			s, err = a.Mutate(context.Background(), s.Revision, func(d *domain.Dataset) error {
+				return SaveAccount(d, changed)
+			})
+			if err != nil {
+				t.Fatal(err)
+			}
+			got := s.Data.Accounts[0]
+			if tc.clear != (got.AnchorBalance == "" && got.AnchorDate == "") {
+				t.Fatalf("anchor after %s change: balance=%q date=%q", tc.name, got.AnchorBalance, got.AnchorDate)
+			}
+		})
+	}
+}
+
 // A released binary wrote include_amount into config.toml. Refusing it on
 // startup made every upgraded deployment crash-loop against its own settings
 // file, so a retired key must load and then disappear on the next save.
@@ -171,10 +229,8 @@ func TestPreviewCooldownProtectsLaterPreviewsAndImports(t *testing.T) {
 	defer cancel()
 
 	for _, model := range []string{"test/model", "test/another-model"} {
-		preview, err := runPreview(t, a, PreviewRequest{
-			Revision: s.Revision, From: "2026-09-01", To: "2026-09-30",
-			Model: model, Fields: Fields{Category: true},
-		})
+		preview, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30",
+			Model: model, Fields: Fields{Category: true}})
 		if err != nil {
 			t.Fatal(err)
 		}
@@ -224,10 +280,8 @@ func TestCancelledPreviewRunProducesNoPreview(t *testing.T) {
 	}))
 	defer provider.Close()
 	a.classifier = classification.Client{APIKey: "test", Model: "test/model", BaseURL: provider.URL}
-	start, err := a.StartPreview(context.Background(), PreviewRequest{
-		Revision: s.Revision, From: "2026-09-09", To: "2026-09-09",
-		Model: "test/model", Fields: Fields{Category: true},
-	})
+	start, err := a.StartPreview(context.Background(), PreviewRequest{From: "2026-09-09", To: "2026-09-09",
+		Model: "test/model", Fields: Fields{Category: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -319,7 +373,7 @@ func TestPreviewIsReadOnlySelectedApplyPreservesFactsAndOtherFields(t *testing.T
 	}
 	mockClassifier(t, a)
 	before := domain.Clone(s.Data)
-	preview, err := runPreview(t, a, PreviewRequest{Revision: s.Revision, From: "2026-09-01", To: "2026-09-30", Model: "improved/model", Fields: Fields{Category: true}})
+	preview, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "improved/model", Fields: Fields{Category: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -360,11 +414,114 @@ func TestPreviewIsReadOnlySelectedApplyPreservesFactsAndOtherFields(t *testing.T
 		t.Fatal("consumed preview applied twice")
 	}
 }
+
+func TestPreviewUsesLatestSnapshotWithoutClientRevision(t *testing.T) {
+	ctx := context.Background()
+	a, page := testApp(t)
+	page = seed(t, a, page)
+	mockClassifier(t, a)
+	request := PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}}
+	id := page.Data.Transactions[0].Facts.ID
+	// Another writer changes the journal after the page loaded its state.
+	current, err := a.Mutate(ctx, page.Revision, func(d *domain.Dataset) error {
+		for i := range d.Transactions {
+			if d.Transactions[i].Facts.ID == id {
+				d.Transactions[i].Enrichment.TagIDs = []string{"home"}
+			}
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatal(err)
+	}
+	preview, err := runPreview(t, a, request)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if preview.Revision != current.Revision || len(preview.Changes) != 2 {
+		t.Fatalf("preview did not use the latest snapshot: %+v", preview)
+	}
+	unchanged, err := a.Snapshot(ctx)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if !reflect.DeepEqual(unchanged.Data, current.Data) {
+		t.Fatal("starting analysis changed the journal")
+	}
+	applied, err := a.ApplyPreview(ctx, preview.ID, preview.Revision, []string{id}, nil)
+	if err != nil {
+		t.Fatal(err)
+	}
+	for _, tx := range applied.Data.Transactions {
+		if tx.Facts.ID == id && (tx.Enrichment.CategoryID != "groceries" || !reflect.DeepEqual(tx.Enrichment.TagIDs, []string{"home"})) {
+			t.Fatalf("analysis overwrote an edit made after the page loaded: %+v", tx.Enrichment)
+		}
+	}
+}
+
+func TestPreviewExpiresAfterTwentyFourHours(t *testing.T) {
+	for _, tc := range []struct {
+		name       string
+		age        time.Duration
+		newPreview bool
+		expired    bool
+	}{
+		{name: "apply before expiry", age: 24*time.Hour - time.Minute},
+		{name: "apply after expiry", age: 24*time.Hour + time.Minute, expired: true},
+		{name: "new preview retains unexpired review", age: 24*time.Hour - time.Minute, newPreview: true},
+		{name: "new preview discards expired review", age: 24*time.Hour + time.Minute, newPreview: true, expired: true},
+	} {
+		t.Run(tc.name, func(t *testing.T) {
+			ctx := context.Background()
+			a, s := testApp(t)
+			s = seed(t, a, s)
+			mockClassifier(t, a)
+			p, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
+			if err != nil {
+				t.Fatal(err)
+			}
+			if len(p.Changes) != 2 {
+				t.Fatalf("expected two proposed changes: %+v", p)
+			}
+			a.mu.Lock()
+			p.created = time.Now().Add(-tc.age)
+			a.previews[p.ID] = p
+			a.mu.Unlock()
+			if tc.newPreview {
+				// Completing another run performs expired-preview cleanup.
+				// An empty range needs no additional provider request.
+				if _, err := runPreview(t, a, PreviewRequest{From: "2025-01-01", To: "2025-01-31", Model: "test/model", Fields: Fields{Category: true}}); err != nil {
+					t.Fatal(err)
+				}
+			}
+			change := p.Changes[0]
+			_, err = a.ApplyPreview(ctx, p.ID, p.Revision, []string{change.ID}, nil)
+			if (err != nil) != tc.expired {
+				t.Fatalf("apply at age %s: error = %v, expired = %t", tc.age, err, tc.expired)
+			}
+			after, err := a.Snapshot(ctx)
+			if err != nil {
+				t.Fatal(err)
+			}
+			expected := domain.Clone(s.Data)
+			if !tc.expired {
+				for i := range expected.Transactions {
+					if expected.Transactions[i].Facts.ID == change.ID {
+						expected.Transactions[i].Enrichment = change.After
+					}
+				}
+			}
+			if !reflect.DeepEqual(after.Data, expected) {
+				t.Fatal("expiry handling did not preserve the expected transaction state")
+			}
+		})
+	}
+}
 func TestStalePreviewCannotOverwriteManualCorrection(t *testing.T) {
 	a, s := testApp(t)
 	s = seed(t, a, s)
 	mockClassifier(t, a)
-	p, err := runPreview(t, a, PreviewRequest{Revision: s.Revision, From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
+	p, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -396,7 +553,7 @@ func TestApplyPreviewSurvivesUnrelatedCommitsAndPartialApplies(t *testing.T) {
 	a, s := testApp(t)
 	s = seed(t, a, s)
 	mockClassifier(t, a)
-	p, err := runPreview(t, a, PreviewRequest{Revision: s.Revision, From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
+	p, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -449,7 +606,7 @@ func TestApplyPreviewHonoursReviewerEdits(t *testing.T) {
 		t.Fatal(err)
 	}
 	mockClassifier(t, a)
-	p, err := runPreview(t, a, PreviewRequest{Revision: s.Revision, From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true, Tags: true}})
+	p, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true, Tags: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -491,7 +648,7 @@ func TestApplyPreviewHonoursReviewerEdits(t *testing.T) {
 func TestImportNeverAutoAppliesLowConfidenceCategory(t *testing.T) {
 	a, s := testApp(t)
 	provider := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
-		content := `{"merchant_id":null,"new_merchant":"REWE","category_id":"groceries","tag_ids":[],"confidence":"low"}`
+		content := `{"merchant_id":null,"new_merchant":"REWE","category_id":"c1","tag_ids":[],"confidence":"low"}`
 		json.NewEncoder(w).Encode(map[string]any{"choices": []any{map[string]any{
 			"finish_reason": "stop",
 			"message":       map[string]any{"content": content},

internal/app/import.go

@@ -882,6 +882,7 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 		}
 		s = result.State
 		a.ops.AccountSync[account.ID] = now.Format(time.RFC3339)
+		s = a.anchorAccount(ctx, s, account, to)
 	}
 	a.ops.SyncError = strings.Join(failures, "; ")
 	a.ops.SyncRetryAt = ""
@@ -897,6 +898,66 @@ func (a *App) Sync(ctx context.Context) (State, error) {
 	return a.snapshot(ctx)
 }
 
+// anchorAccount fixes a connected cash account's start balance after its first
+// successful sync: the bank's booked (CLBD) balance is captured once, verbatim,
+// with the day it was true, so a date-windowed history still yields the real
+// balance — the money from before the window is derived as the anchor less
+// every movement booked through the anchor date, and an older import later
+// corrects that derivation by itself. The balance is fetched after the
+// transactions to minimize the gap between the two reads. Banks supply booking
+// dates rather than exact times, so the anchor day is deliberately treated as
+// one completed booked state. Every failure leaves the anchor unset for the
+// next sync to retry; a missing CLBD figure is such a failure, because an
+// available or expected balance includes pending amounts that have no booked
+// fact to subtract.
+func (a *App) anchorAccount(ctx context.Context, s State, account domain.Account, today string) State {
+	if account.Investing() || account.AnchorDate != "" || account.ExternalAccountID == "" {
+		return s
+	}
+	balances, err := a.bank.Balances(ctx, account.ExternalAccountID)
+	if err != nil {
+		return s
+	}
+	var selected banking.Balance
+	anchorDate := ""
+	for _, balance := range balances {
+		if balance.Type != "CLBD" || balance.Currency != account.Currency {
+			continue
+		}
+		date := balance.ReferenceDate
+		if date == "" {
+			date = today
+		} else if _, e := time.Parse("2006-01-02", date); e != nil || date > today {
+			continue
+		}
+		if date < anchorDate {
+			continue
+		}
+		// Two different booked figures for the same account, currency and
+		// reference day are ambiguous. Do not let response order decide money.
+		if date == anchorDate && anchorDate != "" && balance.Amount != selected.Amount {
+			return s
+		}
+		selected, anchorDate = balance, date
+	}
+	if anchorDate == "" {
+		return s
+	}
+	data := domain.Clone(s.Data)
+	for i := range data.Accounts {
+		if data.Accounts[i].ID != account.ID {
+			continue
+		}
+		data.Accounts[i].AnchorBalance = selected.Amount
+		data.Accounts[i].AnchorDate = anchorDate
+		if next, e := a.commit(ctx, s.Revision, data); e == nil {
+			return next
+		}
+		return s
+	}
+	return s
+}
+
 // syncInterval is how often connected accounts synchronize on their own. Twice
 // a day halves how long a booking can sit unseen while staying inside Enable
 // Banking's documented background allowance of roughly four fetches per day per

internal/app/manage.go

@@ -61,6 +61,12 @@ func SaveAccount(d *domain.Dataset, v domain.Account) error {
 	}
 	for i, x := range d.Accounts {
 		if x.ID == v.ID {
+			// A balance belongs to the account identity and currency that the
+			// bank reported. Changing either makes the captured figure stale;
+			// clear it so the next connected sync can capture a matching one.
+			if x.Currency != v.Currency || x.ExternalAccountID != v.ExternalAccountID {
+				v.AnchorBalance, v.AnchorDate = "", ""
+			}
 			d.Accounts[i] = v
 			return nil
 		}
@@ -104,6 +110,25 @@ func SaveInstrument(d *domain.Dataset, v domain.Instrument) error {
 	d.Instruments = append(d.Instruments, v)
 	return nil
 }
+
+// SaveAsset registers or revalues a hand-valued possession. The value and the
+// day it was stated travel together; full validation happens at commit.
+func SaveAsset(d *domain.Dataset, v domain.Asset) error {
+	v.Name = strings.TrimSpace(v.Name)
+	v.Kind = strings.TrimSpace(v.Kind)
+	v.Currency = strings.ToUpper(strings.TrimSpace(v.Currency))
+	if v.ID == "" {
+		v.ID = domain.NewID("asset")
+	}
+	for i, x := range d.Assets {
+		if x.ID == v.ID {
+			d.Assets[i] = v
+			return nil
+		}
+	}
+	d.Assets = append(d.Assets, v)
+	return nil
+}
 func SaveCategory(d *domain.Dataset, v domain.Category) error {
 	v.Name = strings.TrimSpace(v.Name)
 	if v.ID == "" {
@@ -203,6 +228,15 @@ func Manage(d *domain.Dataset, entity, action, id, target string) error {
 		if n == len(d.Instruments) {
 			return errors.New("unknown instrument")
 		}
+	case "asset":
+		if action != "delete" {
+			return errors.New("asset merging is not supported")
+		}
+		n := len(d.Assets)
+		d.Assets = slices.DeleteFunc(d.Assets, func(v domain.Asset) bool { return v.ID == id })
+		if n == len(d.Assets) {
+			return errors.New("unknown asset")
+		}
 	case "tag":
 		if !slices.ContainsFunc(d.Tags, func(v domain.Tag) bool { return v.ID == id }) {
 			return errors.New("unknown tag")

internal/app/openrouter_test.go

@@ -10,9 +10,9 @@ import (
 	"testing"
 )
 
-func checkOpenRouterPreview(t *testing.T, a *App, s State, auth <-chan string, key string) {
+func checkOpenRouterPreview(t *testing.T, a *App, auth <-chan string, key string) {
 	t.Helper()
-	p, err := runPreview(t, a, PreviewRequest{Revision: s.Revision, From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
+	p, err := runPreview(t, a, PreviewRequest{From: "2026-09-01", To: "2026-09-30", Model: "test/model", Fields: Fields{Category: true}})
 	if err != nil {
 		t.Fatal(err)
 	}
@@ -68,7 +68,7 @@ func TestOpenRouterKeyRotationChangesProviderAuthorization(t *testing.T) {
 		if strings.Contains(string(encoded), "private-key") {
 			t.Fatal("saved credential leaked into browser state")
 		}
-		checkOpenRouterPreview(t, a, s, auth, key)
+		checkOpenRouterPreview(t, a, auth, key)
 	}
 }
 
@@ -101,7 +101,7 @@ func TestOpenRouterSavedKeyAndDisableSurviveRestartOverrideEnvironment(t *testin
 		}
 	})
 	reopen()
-	checkOpenRouterPreview(t, a, s, auth, "environment-private-key")
+	checkOpenRouterPreview(t, a, auth, "environment-private-key")
 	for _, key := range []string{"saved-private-key", ""} {
 		var err error
 		s, err = a.SaveOpenRouterKey(context.Background(), key)
@@ -119,7 +119,7 @@ func TestOpenRouterSavedKeyAndDisableSurviveRestartOverrideEnvironment(t *testin
 		if s.Status.AIConfigured != (key != "") {
 			t.Fatal("restarted credential status ignored saved preference")
 		}
-		checkOpenRouterPreview(t, a, s, auth, key)
+		checkOpenRouterPreview(t, a, auth, key)
 	}
 }
 
@@ -187,7 +187,7 @@ func TestOpenRouterRejectedKeysPreserveActiveCredential(t *testing.T) {
 			}
 		})
 	}
-	checkOpenRouterPreview(t, a, s, auth, key)
+	checkOpenRouterPreview(t, a, auth, key)
 }
 
 func TestOpenRouterFailedWritePreservesActiveCredential(t *testing.T) {
@@ -216,5 +216,5 @@ func TestOpenRouterFailedWritePreservesActiveCredential(t *testing.T) {
 			t.Fatal("persistence error leaked credential content")
 		}
 	}
-	checkOpenRouterPreview(t, a, s, auth, "active-private-key")
+	checkOpenRouterPreview(t, a, auth, "active-private-key")
 }

internal/app/reclassify.go

@@ -13,13 +13,14 @@ import (
 	"finance-duck/internal/domain"
 )
 
+const previewLifetime = 24 * time.Hour
+
 type Fields struct {
 	Merchant bool `json:"merchant"`
 	Category bool `json:"category"`
 	Tags     bool `json:"tags"`
 }
 type PreviewRequest struct {
-	Revision string `json:"revision"`
 	From   string `json:"from"`
 	To     string `json:"to"`
 	Model  string `json:"model"`
@@ -117,12 +118,11 @@ func previewEligible(t domain.Transaction, r PreviewRequest) bool {
 		t.Enrichment.Kind != "transfer" && t.Enrichment.Kind != domain.KindInvestment
 }
 
-// StartPreview validates the request against the current journal and starts a
-// background classification run. The provider is paced to one request every
-// few seconds, so any real range takes minutes: the caller polls
-// PreviewProgress instead of holding an HTTP request open for the duration.
-// Only one run exists at a time; the run owns its own snapshot and never
-// touches canonical data.
+// StartPreview takes a fresh journal snapshot and starts a read-only
+// classification run. It does not require the page's revision: a sync or edit
+// while the page is open must not block analysis. ApplyPreview checks for
+// conflicting changes before writing. Only one run exists at a time; callers
+// poll PreviewProgress instead of holding an HTTP request open.
 func (a *App) StartPreview(ctx context.Context, r PreviewRequest) (PreviewProgress, error) {
 	if err := validatePreviewRequest(r); err != nil {
 		return PreviewProgress{}, err
@@ -136,9 +136,6 @@ func (a *App) StartPreview(ctx context.Context, r PreviewRequest) (PreviewProgre
 	if err != nil {
 		return PreviewProgress{}, err
 	}
-	if r.Revision != s.Revision {
-		return PreviewProgress{}, errors.New("revision conflict: reload before analysing")
-	}
 	client := a.classifier.WithModel(r.Model)
 	total := 0
 	for _, t := range s.Data.Transactions {
@@ -173,7 +170,7 @@ func (a *App) runPreview(ctx context.Context, cancel context.CancelFunc, client
 		return
 	}
 	for id, old := range a.previews {
-		if time.Since(old.created) > time.Hour {
+		if time.Since(old.created) > previewLifetime {
 			delete(a.previews, id)
 		}
 	}
@@ -343,7 +340,7 @@ func (a *App) ApplyPreview(ctx context.Context, id, rev string, ids []string, ed
 	a.mu.Lock()
 	defer a.mu.Unlock()
 	p, ok := a.previews[id]
-	if !ok || time.Since(p.created) > time.Hour {
+	if !ok || time.Since(p.created) > previewLifetime {
 		return State{}, errors.New("preview expired or unknown; analyse again")
 	}
 	if rev != p.Revision {

internal/app/sync_test.go

@@ -19,6 +19,7 @@ import (
 type bankScenario struct {
 	session  banking.Session
 	fail     bool
+	balances []banking.Balance
 }
 
 func (b *bankScenario) Authorize(context.Context, string, string, string, string) (string, error) {
@@ -41,6 +42,9 @@ func (b *bankScenario) Status(context.Context, string) (banking.SessionStatus, e
 	return status, nil
 }
 func (b *bankScenario) Balances(context.Context, string) ([]banking.Balance, error) {
+	if b.balances != nil {
+		return b.balances, nil
+	}
 	return []banking.Balance{{Amount: "100.00", Currency: "EUR", Type: "CLBD"}}, nil
 }
 func (b *bankScenario) Transactions(_ context.Context, a domain.Account, from, to string, _ bool) ([]domain.Facts, error) {
@@ -83,6 +87,53 @@ func TestSyncRestoresSavedConsentBindingsAndDoesNotDuplicateFacts(t *testing.T)
 		t.Fatal("provider failure was not isolated from canonical data")
 	}
 }
+
+// The first successful sync fixes the start balance from the bank's booked
+// figure only: an available balance includes pending amounts with no booked
+// fact to subtract, and a later balance change must never move an anchor that
+// has been set — the anchor is the day a figure was true, not a mirror.
+func TestSyncAnchorsBalanceOnceFromBookedFigureOnly(t *testing.T) {
+	a, s := testApp(t)
+	account := s.Data.Accounts[0]
+	account.ExternalAccountID = "provider_uid"
+	provider := &bankScenario{
+		session:  banking.Session{ID: "session", ValidUntil: time.Now().Add(24 * time.Hour).Format(time.RFC3339), Accounts: []domain.Account{account}},
+		balances: []banking.Balance{{Amount: "999.99", Currency: "EUR", Type: "ITAV"}},
+	}
+	a.bank = provider
+	a.ops.Sessions = []banking.Session{provider.session}
+	if err := a.saveOps(); err != nil {
+		t.Fatal(err)
+	}
+	unbooked, err := a.Sync(context.Background())
+	if err != nil {
+		t.Fatal(err)
+	}
+	if got := unbooked.Data.Accounts[0]; got.AnchorBalance != "" || got.AnchorDate != "" {
+		t.Fatalf("available-only balance was anchored: %+v", got)
+	}
+	yesterday := time.Now().UTC().AddDate(0, 0, -1).Format("2006-01-02")
+	older := time.Now().UTC().AddDate(0, 0, -2).Format("2006-01-02")
+	provider.balances = append(provider.balances,
+		banking.Balance{Amount: "240.00", Currency: "EUR", Type: "CLBD", ReferenceDate: older},
+		banking.Balance{Amount: "250.00", Currency: "EUR", Type: "CLBD", ReferenceDate: yesterday},
+	)
+	anchored, err := a.Sync(context.Background())
+	if err != nil {
+		t.Fatal(err)
+	}
+	if got := anchored.Data.Accounts[0]; got.AnchorBalance != "250.00" || got.AnchorDate != yesterday {
+		t.Fatalf("booked balance was not anchored at its reference day: %+v", got)
+	}
+	provider.balances = []banking.Balance{{Amount: "300.00", Currency: "EUR", Type: "CLBD", ReferenceDate: yesterday}}
+	retained, err := a.Sync(context.Background())
+	if err != nil {
+		t.Fatal(err)
+	}
+	if !reflect.DeepEqual(anchored.Data, retained.Data) {
+		t.Fatal("a later balance moved an existing anchor")
+	}
+}
 func TestReconnectReplacesOldConsentWithoutDuplicatingLocalAccount(t *testing.T) {
 	a, s := testApp(t)
 	account := s.Data.Accounts[0]
@@ -196,9 +247,16 @@ func TestSyncSessionRateLimitPreservesBindingsAndRecovers(t *testing.T) {
 		failures: map[string]error{},
 	}
 	a.bank = b
+	first, err := a.Sync(ctx)
+	if err != nil || len(first.Data.Transactions) != 4 {
+		t.Fatalf("initial sync: transactions=%d, error=%v, sync error=%s", len(first.Data.Transactions), err, first.Status.SyncError)
+	}
+	// The first successful sync also anchors each account's balance; a second
+	// sync reaches the steady state where the session bindings have absorbed
+	// the anchored accounts and nothing changes any more.
 	before, err := a.Sync(ctx)
-	if err != nil || len(before.Data.Transactions) != 4 {
-		t.Fatalf("initial sync: transactions=%d, error=%v, sync error=%s", len(before.Data.Transactions), err, before.Status.SyncError)
+	if err != nil || !reflect.DeepEqual(first.Data, before.Data) {
+		t.Fatalf("steady-state sync changed canonical data: %v", err)
 	}
 	old := time.Now().Add(-48 * time.Hour).UTC().Format(time.RFC3339)
 	a.ops.LastSync = old
@@ -267,9 +325,19 @@ func TestSyncMissingMembershipStillRejectsAccount(t *testing.T) {
 	if len(b.accounts) != 1 || b.accounts[0].ID != "other" || a.ops.AccountSync[s.Data.Accounts[0].ID] != last || a.ops.LastSync != last {
 		t.Fatal("missing member was fetched or advanced its cursor, or valid member was skipped")
 	}
-	if !reflect.DeepEqual(before.Accounts, after.Data.Accounts) || len(after.Data.Transactions) != 1 || after.Data.Transactions[0].Facts.AccountID != "other" {
+	if !reflect.DeepEqual(before.Accounts[0], after.Data.Accounts[0]) || len(after.Data.Transactions) != 1 || after.Data.Transactions[0].Facts.AccountID != "other" {
 		t.Fatal("missing membership changed bindings or imported unauthorized facts")
 	}
+	// The authorized member's first successful sync anchors its balance from
+	// the bank's booked figure; the rejected member must not gain one.
+	anchored := after.Data.Accounts[1]
+	if anchored.AnchorBalance != "100.00" || anchored.AnchorDate == "" {
+		t.Fatalf("authorized member was not anchored: %+v", anchored)
+	}
+	anchored.AnchorBalance, anchored.AnchorDate = "", ""
+	if !reflect.DeepEqual(before.Accounts[1], anchored) {
+		t.Fatal("anchoring changed more than the anchor on the authorized member")
+	}
 }
 
 func TestSyncTransactionFailuresPreserveProgressAndSafeErrors(t *testing.T) {

internal/app/wealth.go

@@ -15,8 +15,11 @@ import (
 // same journal derives.
 type Wealth struct {
 	Accounts []WealthAccount `json:"accounts"`
-	// Totals is cash, position value and their sum per currency, across every
-	// account.
+	// Assets are the hand-valued possessions outside any account, echoed here
+	// so the page that shows the total also shows what the total contains.
+	Assets []WealthAsset `json:"assets"`
+	// Totals is cash, position value, hand-valued assets and their sum per
+	// currency, across every account.
 	Totals []WealthTotal `json:"totals"`
 }
 
@@ -28,6 +31,9 @@ type WealthTotal struct {
 	// in Unpriced, because valuing them at cost would report a number the
 	// journal cannot support.
 	Positions domain.Money `json:"positions"`
+	// Assets is the stated value of every hand-valued asset in this currency,
+	// and Wealth is cash, positions and assets together.
+	Assets   domain.Money `json:"assets"`
 	Wealth   domain.Money `json:"wealth"`
 	Unpriced int          `json:"unpriced"`
 }
@@ -43,9 +49,11 @@ type WealthAccount struct {
 	Records      int    `json:"records"`
 	FirstBooking string `json:"first_booking,omitempty"`
 	LastBooking  string `json:"last_booking,omitempty"`
-	// Cash is every recorded movement summed. It equals the account's real
-	// balance only when the journal holds that account's complete history,
-	// which a broker export does and a date-windowed bank statement does not.
+	// Cash is every recorded movement summed — plus, when the account carries a
+	// balance anchor, the derived start balance. Without an anchor it equals
+	// the account's real balance only when the journal holds that account's
+	// complete history, which a broker export does and a date-windowed bank
+	// statement does not.
 	Cash domain.Money `json:"cash"`
 	// Positions is the market value of every priced holding, and Wealth the two
 	// together: the number this page exists to show. Unpriced counts the
@@ -113,6 +121,17 @@ type WealthHolding struct {
 	Records int          `json:"records"`
 }
 
+// WealthAsset is one hand-valued asset as the journal records it. The value is
+// stated, never quoted, and carries the day it was stated.
+type WealthAsset struct {
+	AssetID  string       `json:"asset_id"`
+	Name     string       `json:"name"`
+	Kind     string       `json:"kind,omitempty"`
+	Currency string       `json:"currency"`
+	Value    domain.Money `json:"value"`
+	ValuedAt string       `json:"valued_at"`
+}
+
 // WealthCheck is one named verification with its evidence. Failed marks a
 // disagreement inside the journal; the rest are notes that explain a figure
 // before it is compared with a broker's screen.
@@ -175,6 +194,13 @@ func WealthOf(data domain.Dataset) Wealth {
 		unappliedFee, unappliedTax   int64
 		unappliedRows                int
 		unmatchedCash, unmatchedRows int64
+		// anchored accounts carry the bank's booked balance on anchorDate.
+		// residual is that figure less every movement booked through the
+		// anchor day: the money from before the recorded history, and the
+		// account's derived start balance.
+		anchored   bool
+		anchorDate string
+		residual   int64
 	}
 	states := map[string]*accountState{}
 	state := func(id string) *accountState {
@@ -183,15 +209,42 @@ func WealthOf(data domain.Dataset) Wealth {
 		}
 		return states[id]
 	}
+	// An anchored account's balance is the bank's own figure plus what moved
+	// after the anchor day. The residue is order-independent, so it is settled
+	// before the chronological pass that judges running balances.
+	for _, account := range data.Accounts {
+		if account.AnchorDate == "" {
+			continue
+		}
+		anchor, err := account.AnchorBalance.Minor()
+		if err != nil {
+			continue
+		}
+		st := state(account.ID)
+		st.anchored, st.anchorDate, st.residual = true, account.AnchorDate, anchor
+		for _, t := range data.Transactions {
+			if t.Facts.AccountID != account.ID || t.Facts.BookingDate > account.AnchorDate {
+				continue
+			}
+			if minor, e := t.Facts.Amount.Minor(); e == nil {
+				st.residual -= minor
+			}
+		}
+	}
 	// A day's rows are applied together before any low-water mark is taken.
 	// Order within a day is not knowable: a broker export states a booking date
 	// and a clock time, the time is local and crosses midnight, so only the
 	// date is imported. A purchase funded by a sale nine seconds earlier then
 	// arrives in an arbitrary order, and checking row by row reports a dip
 	// that never happened.
+	// Days on or before an anchor are not judged at all: the history before
+	// the anchor is incomplete by definition, so a running balance there is
+	// not observable.
 	closeDay := func(st *accountState) {
-		if st.cash < st.lowestCash {
-			st.lowestCash, st.lowestCashDate = st.cash, st.day
+		if !st.anchored || st.day > st.anchorDate {
+			if effective := st.cash + st.residual; effective < st.lowestCash {
+				st.lowestCash, st.lowestCashDate = effective, st.day
+			}
 		}
 		for _, held := range st.holdings {
 			if held.units < held.lowest {
@@ -282,24 +335,40 @@ func WealthOf(data domain.Dataset) Wealth {
 		}
 	}
 
-	report := Wealth{Accounts: []WealthAccount{}, Totals: []WealthTotal{}}
+	report := Wealth{Accounts: []WealthAccount{}, Assets: []WealthAsset{}, Totals: []WealthTotal{}}
 	totals := map[string]int64{}
 	positionTotals := map[string]int64{}
+	assetTotals := map[string]int64{}
 	unpricedTotals := map[string]int{}
 	currencies := []string{}
+	seen := func(currency string) {
+		if _, ok := totals[currency]; !ok {
+			currencies = append(currencies, currency)
+			totals[currency] = 0
+		}
+	}
 	for _, account := range data.Accounts {
 		st := state(account.ID)
 		kind := account.Kind
 		if kind == "" {
 			kind = domain.AccountCash
 		}
+		cash := st.cash + st.residual
 		entry := WealthAccount{
 			AccountID: account.ID, DisplayName: account.DisplayName, Institution: account.Institution,
 			Currency: account.Currency, Kind: kind, Active: account.Active,
 			Records: st.records, FirstBooking: st.first, LastBooking: st.last,
-			Cash: domain.FormatMoney(st.cash), Flows: []WealthFlow{},
+			Cash: domain.FormatMoney(cash), Flows: []WealthFlow{},
 			Holdings: []WealthHolding{}, Checks: []WealthCheck{},
 		}
+		// The start balance reads first, like the carried-over line on a paper
+		// statement, and keeps the invariant that the flows sum to the balance.
+		if st.anchored {
+			entry.Flows = append(entry.Flows, WealthFlow{
+				Event: "anchor", Label: "Start balance (before the recorded rows)",
+				Cash: domain.FormatMoney(st.residual),
+			})
+		}
 		for _, flow := range flowLabels {
 			if moved := st.flows[flow.event]; moved != nil {
 				entry.Flows = append(entry.Flows, WealthFlow{
@@ -308,10 +377,8 @@ func WealthOf(data domain.Dataset) Wealth {
 				})
 			}
 		}
-		if _, seen := totals[account.Currency]; !seen {
-			currencies = append(currencies, account.Currency)
-		}
-		totals[account.Currency] += st.cash
+		seen(account.Currency)
+		totals[account.Currency] += cash
 		positions, unpriced, stale := int64(0), 0, []string{}
 		for _, id := range st.order {
 			held := st.holdings[id]
@@ -350,7 +417,7 @@ func WealthOf(data domain.Dataset) Wealth {
 		}
 		slices.SortFunc(entry.Holdings, func(x, y WealthHolding) int { return strings.Compare(x.Name, y.Name) })
 		entry.Positions, entry.Unpriced = domain.FormatMoney(positions), unpriced
-		entry.Wealth = domain.FormatMoney(st.cash + positions)
+		entry.Wealth = domain.FormatMoney(cash + positions)
 		positionTotals[account.Currency] += positions
 		unpricedTotals[account.Currency] += unpriced
 
@@ -362,8 +429,15 @@ func WealthOf(data domain.Dataset) Wealth {
 		} else {
 			check("Row arithmetic", "every record agrees with its own gross, fee, tax, quantity and price", false)
 		}
+		if st.anchored {
+			check("Balance anchored", fmt.Sprintf("cash is the bank's own booked balance %s on %s plus every movement after that day; the start balance line, %s, is that figure less the movements booked through it", account.AnchorBalance, st.anchorDate, domain.FormatMoney(st.residual)), false)
+		} else if !account.Investing() && account.ExternalAccountID != "" {
+			check("Balance not anchored", "cash is the recorded movements only; the next successful synchronization captures the bank's booked balance and fixes the start balance", false)
+		}
 		if st.lowestCash < 0 {
 			check("Cash never negative", fmt.Sprintf("balance reached %s on %s, so the history is incomplete or a movement is misread", domain.FormatMoney(st.lowestCash), st.lowestCashDate), true)
+		} else if st.anchored {
+			check("Cash never negative", "the running balance stays at or above zero from the anchor day onward; earlier days are not judged against an incomplete window", false)
 		} else {
 			check("Cash never negative", "the running balance stays at or above zero throughout", false)
 		}
@@ -391,11 +465,27 @@ func WealthOf(data domain.Dataset) Wealth {
 		}
 		report.Accounts = append(report.Accounts, entry)
 	}
+	// Hand-valued assets join the totals after the accounts: they belong to no
+	// account, and a currency held only in an asset still earns its own line.
+	for _, asset := range data.Assets {
+		value, err := asset.Value.Minor()
+		if err != nil {
+			continue
+		}
+		seen(asset.Currency)
+		assetTotals[asset.Currency] += value
+		report.Assets = append(report.Assets, WealthAsset{
+			AssetID: asset.ID, Name: asset.Name, Kind: asset.Kind,
+			Currency: asset.Currency, Value: domain.FormatMoney(value), ValuedAt: asset.ValuedAt,
+		})
+	}
+	slices.SortStableFunc(report.Assets, func(x, y WealthAsset) int { return strings.Compare(x.Name, y.Name) })
 	for _, currency := range currencies {
 		report.Totals = append(report.Totals, WealthTotal{
 			Currency: currency, Cash: domain.FormatMoney(totals[currency]),
 			Positions: domain.FormatMoney(positionTotals[currency]),
-			Wealth:    domain.FormatMoney(totals[currency] + positionTotals[currency]),
+			Assets:    domain.FormatMoney(assetTotals[currency]),
+			Wealth:    domain.FormatMoney(totals[currency] + positionTotals[currency] + assetTotals[currency]),
 			Unpriced:  unpricedTotals[currency],
 		})
 	}

internal/app/wealth_test.go

@@ -381,3 +381,106 @@ func TestWealthValuesHoldingsAtTheirQuote(t *testing.T) {
 		t.Error("no note about the holdings left out of the wealth figure")
 	}
 }
+
+// A wealth figure that ignores the house is not a wealth figure. A hand-valued
+// asset joins its currency's total, a currency held only in an asset earns its
+// own line, and a negative value records a liability that subtracts.
+func TestWealthCountsHandValuedAssets(t *testing.T) {
+	data := domain.NewDataset()
+	data.Accounts = []domain.Account{{ID: "acc_main", DisplayName: "Main", Currency: "EUR", Active: true}}
+	f := domain.Facts{
+		ID: "tx_1", Source: "csv", AccountID: "acc_main", BookingDate: "2026-01-02",
+		Amount: "1000.00", Currency: "EUR", RawDescription: "salary", Fingerprint: "tx_1",
+	}
+	data.Transactions = []domain.Transaction{{Facts: f, Enrichment: domain.Fallback(f)}}
+	data.Assets = []domain.Asset{
+		{ID: "asset_house", Name: "House", Kind: "Real estate", Currency: "EUR", Value: "250000.00", ValuedAt: "2026-09-01"},
+		{ID: "asset_loan", Name: "Mortgage", Currency: "EUR", Value: "-150000.00", ValuedAt: "2026-09-01"},
+		{ID: "asset_cabin", Name: "Cabin", Currency: "USD", Value: "40000.00", ValuedAt: "2026-08-15"},
+	}
+	if err := domain.Validate(data); err != nil {
+		t.Fatal(err)
+	}
+	report := WealthOf(data)
+	byCurrency := map[string]WealthTotal{}
+	for _, total := range report.Totals {
+		byCurrency[total.Currency] = total
+	}
+	if eur := byCurrency["EUR"]; eur.Cash != "1000.00" || eur.Assets != "100000.00" || eur.Wealth != "101000.00" {
+		t.Errorf("EUR total %+v; want cash 1000.00, assets 100000.00, wealth 101000.00", eur)
+	}
+	if usd, ok := byCurrency["USD"]; !ok || usd.Cash != "0.00" || usd.Assets != "40000.00" || usd.Wealth != "40000.00" {
+		t.Errorf("a currency held only in an asset earned no line of its own: %+v", byCurrency["USD"])
+	}
+	if len(report.Assets) != 3 || report.Assets[0].Name != "Cabin" || report.Assets[1].ValuedAt != "2026-09-01" {
+		t.Errorf("assets not echoed sorted by name with their dates: %+v", report.Assets)
+	}
+}
+
+// A bank's date-windowed history starts mid-life, so an anchored account
+// derives its start balance: the bank's booked figure on the anchor day less
+// everything booked through it. The derived line keeps the flows summing to
+// the balance, and the pre-anchor window is never judged as an overdraft —
+// the history there is incomplete by definition.
+func TestAnchoredAccountDerivesStartBalance(t *testing.T) {
+	data := domain.NewDataset()
+	data.Accounts = []domain.Account{
+		{ID: "acc_anchored", DisplayName: "Checking", Currency: "EUR", Active: true, ExternalAccountID: "uid_one", AnchorBalance: "2450.00", AnchorDate: "2026-09-10"},
+		{ID: "acc_plain", DisplayName: "Connected", Currency: "EUR", Active: true, ExternalAccountID: "uid_two"},
+	}
+	row := func(id, account, date string, amount domain.Money) domain.Transaction {
+		f := domain.Facts{ID: id, Source: "enablebanking", AccountID: account, BookingDate: date, Amount: amount, Currency: "EUR", RawDescription: id, Fingerprint: "fp_" + id}
+		return domain.Transaction{Facts: f, Enrichment: domain.Fallback(f)}
+	}
+	data.Transactions = []domain.Transaction{
+		// The recorded window alone would dip to −900 before the anchor day.
+		row("tx_pre", "acc_anchored", "2026-09-01", "-900.00"),
+		row("tx_on", "acc_anchored", "2026-09-10", "50.00"),
+		row("tx_post", "acc_anchored", "2026-09-12", "-100.00"),
+		row("tx_other", "acc_plain", "2026-09-12", "10.00"),
+	}
+	if err := domain.Validate(data); err != nil {
+		t.Fatal(err)
+	}
+	report := WealthOf(data)
+	anchored := report.Accounts[0]
+	// 2450.00 on 2026-09-10 less the −850.00 booked through that day puts
+	// 3300.00 before the window; the balance is 2450.00 − 100.00 booked after.
+	if anchored.Cash != "2350.00" || anchored.Wealth != "2350.00" {
+		t.Errorf("anchored cash %s wealth %s, want 2350.00", anchored.Cash, anchored.Wealth)
+	}
+	if len(anchored.Flows) == 0 || anchored.Flows[0].Event != "anchor" || anchored.Flows[0].Cash != "3300.00" {
+		t.Errorf("start balance line missing or wrong: %+v", anchored.Flows)
+	}
+	total := int64(0)
+	for _, flow := range anchored.Flows {
+		cash, err := flow.Cash.Minor()
+		if err != nil {
+			t.Fatal(err)
+		}
+		total += cash
+	}
+	if domain.FormatMoney(total) != anchored.Cash {
+		t.Errorf("flows sum to %s, balance is %s", domain.FormatMoney(total), anchored.Cash)
+	}
+	checks := map[string]WealthCheck{}
+	for _, check := range anchored.Checks {
+		checks[check.Name] = check
+	}
+	if _, ok := checks["Balance anchored"]; !ok {
+		t.Errorf("no anchor note: %+v", anchored.Checks)
+	}
+	if check := checks["Cash never negative"]; check.Failed {
+		t.Errorf("pre-anchor window judged as an overdraft: %s", check.Detail)
+	}
+	note := false
+	for _, check := range report.Accounts[1].Checks {
+		note = note || check.Name == "Balance not anchored"
+	}
+	if !note {
+		t.Errorf("connected account without an anchor carries no note: %+v", report.Accounts[1].Checks)
+	}
+	if report.Totals[0].Cash != "2360.00" {
+		t.Errorf("total cash %s, want 2360.00", report.Totals[0].Cash)
+	}
+}

internal/classification/batch.go

@@ -129,7 +129,7 @@ func (c *Client) ClassifyBatch(ctx context.Context, rows []domain.Facts, data do
 			payload.Transactions = append(payload.Transactions, row)
 			similar.WriteString(f.RawDescription + " " + f.Counterparty + " ")
 		}
-		payload.History = history(domain.Facts{RawDescription: similar.String()}, data, clean, 40)
+		payload.History = candidates.history(domain.Facts{RawDescription: similar.String()}, data, clean, 40)
 		payload.Categories = candidates.categories
 		payload.Tags = candidates.tags
 		payload.Merchants = candidates.merchants

internal/classification/batch_test.go

@@ -2,7 +2,6 @@ package classification
 
 import (
 	"context"
-	"encoding/json"
 	"errors"
 	"io"
 	"net/http"
@@ -32,28 +31,34 @@ func TestBatchClassifiesEveryRowInOneRequest(t *testing.T) {
 	calls := 0
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
 		calls++
-		var req struct {
-			Messages []struct {
-				Content string `json:"content"`
-			} `json:"messages"`
-		}
-		if json.NewDecoder(r.Body).Decode(&req) != nil || len(req.Messages) != 2 {
-			w.WriteHeader(400)
+		prompt := decodeClassificationPrompt(t, r)
+		if len(prompt.Transactions) != 2 {
+			t.Errorf("batch prompt missing transactions: %+v", prompt.Transactions)
+			w.WriteHeader(http.StatusBadRequest)
 			return
 		}
-		var prompt struct {
-			Transactions []struct{ Ref, Counterparty, Amount, Currency string } `json:"transactions"`
+		category := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, "cat_food")))
+		merchant, tag := "", ""
+		for _, candidate := range prompt.Merchants {
+			if candidate.Name == "coffee house" {
+				merchant = candidate.ID
 			}
-		if json.Unmarshal([]byte(req.Messages[1].Content), &prompt) != nil || len(prompt.Transactions) != 2 {
-			t.Errorf("batch prompt missing transactions: %s", req.Messages[1].Content)
+		}
+		for _, candidate := range prompt.Tags {
+			if candidate.Name == "daily" {
+				tag = candidate.ID
+			}
+		}
+		if merchant == "" || tag == "" {
+			t.Error("batch prompt lost Coffee House or Daily")
 		}
 		for _, row := range prompt.Transactions {
 			if row.Amount == "" || row.Currency != "EUR" {
 				t.Errorf("row %s lost amount or currency: %+v", row.Ref, row)
 			}
 		}
-		reply(w, `{"transactions":[{"ref":"r1","merchant_id":"mer_coffee","new_merchant":null,"category_id":"cat_food","tag_ids":["tag_daily"],"confidence":"high"},`+
-			`{"ref":"r2","merchant_id":null,"new_merchant":"Kleins Backstube","category_id":"cat_food","tag_ids":[],"confidence":"medium"}]}`)
+		reply(w, `{"transactions":[{"ref":"`+prompt.Transactions[1].Ref+`","merchant_id":null,"new_merchant":"Kleins Backstube","category_id":"`+category+`","tag_ids":[],"confidence":"medium"},`+
+			`{"ref":"`+prompt.Transactions[0].Ref+`","merchant_id":"`+merchant+`","new_merchant":null,"category_id":"`+category+`","tag_ids":["`+tag+`"],"confidence":"high"}]}`)
 	})
 	results := c.ClassifyBatch(context.Background(), []domain.Facts{f1, f2}, d)
 	if calls != 1 {
@@ -71,6 +76,8 @@ func TestBatchClassifiesEveryRowInOneRequest(t *testing.T) {
 	if second.NewMerchant == nil || second.NewMerchant.Name != "Kleins Backstube" ||
 		!reflect.DeepEqual(second.NewMerchant.Aliases, []string{"Kleins Backstube"}) ||
 		second.Enrichment.MerchantID != second.NewMerchant.ID ||
+		second.Enrichment.CategoryID != "cat_food" ||
+		len(second.Enrichment.TagIDs) != 0 ||
 		second.Enrichment.Classification.Confidence != "medium" {
 		t.Fatalf("second row lost: %+v", second)
 	}
@@ -80,8 +87,10 @@ func TestBatchClassifiesEveryRowInOneRequest(t *testing.T) {
 func TestBatchIsolatesInvalidRows(t *testing.T) {
 	f1, f2, d := batchRows()
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
-		reply(w, `{"transactions":[{"ref":"r1","merchant_id":null,"new_merchant":null,"category_id":"cat_food","tag_ids":[],"confidence":"high"},`+
-			`{"ref":"r2","merchant_id":null,"new_merchant":null,"category_id":"cat_forged","tag_ids":[],"confidence":"high"}]}`)
+		prompt := decodeClassificationPrompt(t, r)
+		category := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, "cat_food")))
+		reply(w, `{"transactions":[{"ref":"`+prompt.Transactions[0].Ref+`","merchant_id":null,"new_merchant":null,"category_id":"`+category+`","tag_ids":[],"confidence":"high"},`+
+			`{"ref":"`+prompt.Transactions[1].Ref+`","merchant_id":null,"new_merchant":null,"category_id":"c999999","tag_ids":[],"confidence":"high"}]}`)
 	})
 	results := c.ClassifyBatch(context.Background(), []domain.Facts{f1, f2}, d)
 	if results[0].Err != nil || results[0].Proposal.Enrichment.CategoryID != "cat_food" {
@@ -96,8 +105,10 @@ func TestBatchIsolatesInvalidRows(t *testing.T) {
 func TestBatchSharesOneMintedMerchant(t *testing.T) {
 	f1, f2, d := batchRows()
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
-		reply(w, `{"transactions":[{"ref":"r1","merchant_id":null,"new_merchant":"REWE","category_id":"cat_food","tag_ids":[],"confidence":"high"},`+
-			`{"ref":"r2","merchant_id":null,"new_merchant":"REWE","category_id":"cat_food","tag_ids":[],"confidence":"high"}]}`)
+		prompt := decodeClassificationPrompt(t, r)
+		category := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, "cat_food")))
+		reply(w, `{"transactions":[{"ref":"`+prompt.Transactions[0].Ref+`","merchant_id":null,"new_merchant":"REWE","category_id":"`+category+`","tag_ids":[],"confidence":"high"},`+
+			`{"ref":"`+prompt.Transactions[1].Ref+`","merchant_id":null,"new_merchant":"REWE","category_id":"`+category+`","tag_ids":[],"confidence":"high"}]}`)
 	})
 	results := c.ClassifyBatch(context.Background(), []domain.Facts{f1, f2}, d)
 	if results[0].Err != nil || results[1].Err != nil {
@@ -144,19 +155,8 @@ func TestBatchSplitsOnProviderSchemaRejection(t *testing.T) {
 	calls, oversized := 0, 0
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
 		calls++
-		var req struct {
-			Messages []struct {
-				Content string `json:"content"`
-			} `json:"messages"`
-		}
-		if json.NewDecoder(r.Body).Decode(&req) != nil {
-			w.WriteHeader(500)
-			return
-		}
-		var prompt struct {
-			Transactions []struct{ Ref string } `json:"transactions"`
-		}
-		_ = json.Unmarshal([]byte(req.Messages[1].Content), &prompt)
+		prompt := decodeClassificationPrompt(t, r)
+		category := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, "cat_food")))
 		if len(prompt.Transactions) > 2 {
 			oversized++
 			w.WriteHeader(400)
@@ -164,7 +164,7 @@ func TestBatchSplitsOnProviderSchemaRejection(t *testing.T) {
 		}
 		answers := make([]string, 0, len(prompt.Transactions))
 		for _, row := range prompt.Transactions {
-			answers = append(answers, `{"ref":"`+row.Ref+`","merchant_id":null,"new_merchant":null,"category_id":"cat_food","tag_ids":[],"confidence":"high"}`)
+			answers = append(answers, `{"ref":"`+row.Ref+`","merchant_id":null,"new_merchant":null,"category_id":"`+category+`","tag_ids":[],"confidence":"high"}`)
 		}
 		reply(w, `{"transactions":[`+strings.Join(answers, ",")+`]}`)
 	})

internal/classification/candidates.go

@@ -3,6 +3,7 @@ package classification
 import (
 	"slices"
 	"sort"
+	"strconv"
 	"strings"
 	"unicode"
 
@@ -150,8 +151,6 @@ type merchantPrompt struct {
 	UsualCategory string   `json:"usual_category,omitempty"`
 }
 
-// candidate is the historical merchant prompt shape used by older callers.
-type candidate = merchantPrompt
 type promptHistory struct {
 	Date         string   `json:"date"`
 	Amount       string   `json:"amount"`
@@ -172,6 +171,9 @@ type candidateSet struct {
 	categoryIDs  map[string]string
 	tagIDs       map[string]string
 	merchantIDs  map[string]string
+	categoryRefs map[string]string
+	tagRefs      map[string]string
+	merchantRefs map[string]string
 }
 
 func similarity(description, name string) int {
@@ -194,9 +196,8 @@ func similarity(description, name string) int {
 	return score
 }
 
-// retrieve emits every registry entry with its real id. The legacy cleaner
-// arguments remain in the signature because CSV/classification fixtures use
-// this helper directly; ranking and bounding are intentionally gone.
+// retrieve offers every eligible registry entry under a short request-local
+// reference. Names and paths retain their meaning; canonical IDs stay local.
 func retrieve(_ string, kind string, data domain.Dataset, clean, merchantClean func(string) string) candidateSet {
 	parents := map[string]bool{}
 	for _, cat := range data.Categories {
@@ -206,6 +207,9 @@ func retrieve(_ string, kind string, data domain.Dataset, clean, merchantClean f
 		categoryIDs:  map[string]string{},
 		tagIDs:       map[string]string{},
 		merchantIDs:  map[string]string{},
+		categoryRefs: map[string]string{},
+		tagRefs:      map[string]string{},
+		merchantRefs: map[string]string{},
 	}
 	for _, cat := range data.Categories {
 		if cat.Kind != kind || parents[cat.ID] {
@@ -216,19 +220,31 @@ func retrieve(_ string, kind string, data domain.Dataset, clean, merchantClean f
 			path = clean(path)
 		}
 		set.categories = append(set.categories, categoryPrompt{ID: cat.ID, Path: path, Kind: cat.Kind, Hint: cleanText(clean, cat.Hint)})
-		set.categoryIDs[cat.ID] = cat.ID
 	}
 	sort.Slice(set.categories, func(i, j int) bool {
 		return set.categories[i].Path < set.categories[j].Path || set.categories[i].Path == set.categories[j].Path && set.categories[i].ID < set.categories[j].ID
 	})
+	for i := range set.categories {
+		category := &set.categories[i]
+		ref := "c" + strconv.Itoa(i+1)
+		set.categoryIDs[ref] = category.ID
+		set.categoryRefs[category.ID] = ref
+		category.ID = ref
+	}
 	for _, tag := range data.Tags {
 		name := cleanText(clean, tag.Name)
 		set.tags = append(set.tags, tagPrompt{ID: tag.ID, Name: name, Hint: cleanText(clean, tag.Hint)})
-		set.tagIDs[tag.ID] = tag.ID
 	}
 	sort.Slice(set.tags, func(i, j int) bool {
 		return set.tags[i].Name < set.tags[j].Name || set.tags[i].Name == set.tags[j].Name && set.tags[i].ID < set.tags[j].ID
 	})
+	for i := range set.tags {
+		tag := &set.tags[i]
+		ref := "t" + strconv.Itoa(i+1)
+		set.tagIDs[ref] = tag.ID
+		set.tagRefs[tag.ID] = ref
+		tag.ID = ref
+	}
 	usual := map[string]string{}
 	counts := map[string]map[string]int{}
 	for _, tx := range data.Transactions {
@@ -263,13 +279,19 @@ func retrieve(_ string, kind string, data domain.Dataset, clean, merchantClean f
 		}
 		set.merchants = append(set.merchants, merchantPrompt{
 			ID: merchant.ID, Name: name, Aliases: aliases,
-			UsualCategory: usualCategory,
+			UsualCategory: set.categoryRefs[usualCategory],
 		})
-		set.merchantIDs[merchant.ID] = merchant.ID
 	}
 	sort.Slice(set.merchants, func(i, j int) bool {
 		return set.merchants[i].Name < set.merchants[j].Name || set.merchants[i].Name == set.merchants[j].Name && set.merchants[i].ID < set.merchants[j].ID
 	})
+	for i := range set.merchants {
+		merchant := &set.merchants[i]
+		ref := "m" + strconv.Itoa(i+1)
+		set.merchantIDs[ref] = merchant.ID
+		set.merchantRefs[merchant.ID] = ref
+		merchant.ID = ref
+	}
 	return set
 }
 
@@ -314,16 +336,12 @@ func candidateIDs(values []categoryPrompt) []string {
 	return ids
 }
 
-func answerSchema(d domain.Dataset, kind string) map[string]any {
-	return retrieve("", kind, d, nil, nil).schema()
-}
-
-// history selects precedent for the prompt: the nearest rows by word overlap,
-// filled out with the most recent. The user's own decisions — manual edits
-// and locally applied merchant rules — outrank rows the model classified
-// itself, so one correction beats any number of uncorrected AI answers for
-// the same payee.
-func history(f domain.Facts, d domain.Dataset, clean func(string) string, limit int) []promptHistory {
+// history selects precedent whose category is offered in this request: the
+// nearest rows by word overlap, filled out with the most recent. The user's
+// own decisions — manual edits and locally applied merchant rules — outrank
+// rows the model classified itself. References use the same mapping as the
+// candidate lists and response schema.
+func (c candidateSet) history(f domain.Facts, d domain.Dataset, clean func(string) string, limit int) []promptHistory {
 	type row struct {
 		tx    domain.Transaction
 		score int
@@ -332,7 +350,7 @@ func history(f domain.Facts, d domain.Dataset, clean func(string) string, limit
 	rows := []row{}
 	for _, tx := range d.Transactions {
 		e := tx.Enrichment
-		if tx.Facts.ID == f.ID || e.Kind == "transfer" || e.CategoryID == "" || e.CategoryID == domain.ExpenseFallback || e.CategoryID == domain.IncomeFallback {
+		if tx.Facts.ID == f.ID || e.Kind == "transfer" || c.categoryRefs[e.CategoryID] == "" || e.CategoryID == domain.ExpenseFallback || e.CategoryID == domain.IncomeFallback {
 			continue
 		}
 		source := tx.Enrichment.Classification.Source
@@ -382,9 +400,11 @@ func history(f domain.Facts, d domain.Dataset, clean func(string) string, limit
 	}
 	out := make([]promptHistory, 0, len(rows))
 	for _, row := range rows {
-		tags := row.tx.Enrichment.TagIDs
-		if tags == nil {
-			tags = []string{}
+		tags := make([]string, 0, len(row.tx.Enrichment.TagIDs))
+		for _, id := range row.tx.Enrichment.TagIDs {
+			if ref := c.tagRefs[id]; ref != "" {
+				tags = append(tags, ref)
+			}
 		}
 		source := "ai"
 		if row.user {
@@ -393,8 +413,8 @@ func history(f domain.Facts, d domain.Dataset, clean func(string) string, limit
 		out = append(out, promptHistory{
 			Date: row.tx.Facts.BookingDate, Amount: string(row.tx.Facts.Amount),
 			Description: clean(row.tx.Facts.RawDescription), Counterparty: clean(row.tx.Facts.Counterparty),
-			CategoryID: row.tx.Enrichment.CategoryID, MerchantID: row.tx.Enrichment.MerchantID,
-			TagIDs: append([]string{}, tags...),
+			CategoryID: c.categoryRefs[row.tx.Enrichment.CategoryID], MerchantID: c.merchantRefs[row.tx.Enrichment.MerchantID],
+			TagIDs: tags,
 			Source: source,
 		})
 	}

internal/classification/client.go

@@ -12,6 +12,7 @@ import (
 	"strings"
 	"sync/atomic"
 	"time"
+	"unicode"
 	"unicode/utf8"
 
 	"finance-duck/internal/domain"
@@ -220,7 +221,7 @@ func (c *Client) Classify(ctx context.Context, facts domain.Facts, data domain.D
 	userPayload.Transaction.Counterparty = clean(facts.Counterparty)
 	userPayload.Transaction.Account.Institution = clean(institution)
 	userPayload.Transaction.Account.Currency = facts.Currency
-	userPayload.History = history(facts, data, clean, 40)
+	userPayload.History = candidates.history(facts, data, clean, 40)
 	userPayload.Categories = candidates.categories
 	userPayload.Tags = candidates.tags
 	userPayload.Merchants = candidates.merchants
@@ -251,6 +252,13 @@ func (c *Client) Classify(ctx context.Context, facts domain.Facts, data domain.D
 	return result, nil
 }
 
+// hasHiddenRunes reports control or format code points — bidi overrides,
+// zero-width characters — that would let model-supplied text spoof or
+// reorder review UI. Legitimate payee names never need them.
+func hasHiddenRunes(s string) bool {
+	return strings.ContainsFunc(s, func(r rune) bool { return unicode.IsControl(r) || unicode.Is(unicode.Cf, r) })
+}
+
 // resolveAnswer maps one schema-valid provider answer onto enrichment,
 // revalidating every id against the local registry. proposed collects newly
 // minted merchants by normalized name so several rows resolved against the
@@ -280,11 +288,12 @@ func resolveAnswer(answer answer, facts domain.Facts, data domain.Dataset, candi
 	}
 	if answer.NewMerchant != nil {
 		name := strings.Join(strings.Fields(*answer.NewMerchant), " ")
-		// An identifier-shaped or oversized name is dropped, never stored, but
-		// the row keeps its independently enum-validated category and tags: a
-		// legitimate payee whose spelling trips the redactor (observed in the
-		// field) must not lose its whole classification.
-		if !utf8.ValidString(name) || utf8.RuneCountInString(name) > 100 || normalize(name) == "" || normalize(clean(name)) != normalize(name) {
+		// An identifier-shaped, oversized or hidden-rune name is dropped,
+		// never stored, but the row keeps its independently enum-validated
+		// category and tags: a legitimate payee whose spelling trips the
+		// redactor (observed in the field) must not lose its whole
+		// classification.
+		if !utf8.ValidString(name) || utf8.RuneCountInString(name) > 100 || normalize(name) == "" || normalize(clean(name)) != normalize(name) || hasHiddenRunes(name) {
 			// no merchant
 		} else if existing := duplicateMerchant(name, data.Merchants); existing != nil {
 			e.MerchantID = existing.ID

internal/classification/client_test.go

@@ -28,7 +28,7 @@ func fixture() (domain.Facts, domain.Dataset) {
 	return f, d
 }
 
-const validAnswer = `{"merchant_id":null,"new_merchant":null,"category_id":"cat_food","tag_ids":[],"confidence":"medium"}`
+const validAnswer = `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"medium"}`
 
 func reply(w http.ResponseWriter, content string) {
 	w.Header().Set("Content-Type", "application/json")
@@ -44,6 +44,39 @@ func mockClient(t *testing.T, handler http.HandlerFunc) *Client {
 	return client
 }
 
+type classificationPrompt struct {
+	Categories   []categoryPrompt `json:"categories"`
+	Tags         []tagPrompt      `json:"tags"`
+	Merchants    []merchantPrompt `json:"merchants"`
+	History      []promptHistory  `json:"history"`
+	Transactions []struct {
+		Ref          string `json:"ref"`
+		Counterparty string `json:"counterparty"`
+		Amount       string `json:"amount"`
+		Currency     string `json:"currency"`
+	} `json:"transactions"`
+}
+
+func decodeClassificationPrompt(t *testing.T, r *http.Request) classificationPrompt {
+	t.Helper()
+	var req struct {
+		Messages []struct {
+			Content string `json:"content"`
+		} `json:"messages"`
+	}
+	if err := json.NewDecoder(r.Body).Decode(&req); err != nil {
+		t.Fatal(err)
+	}
+	if len(req.Messages) != 2 {
+		t.Fatalf("expected system and user messages, got %d", len(req.Messages))
+	}
+	var prompt classificationPrompt
+	if err := json.Unmarshal([]byte(req.Messages[1].Content), &prompt); err != nil {
+		t.Fatal(err)
+	}
+	return prompt
+}
+
 func TestExplicitDefaultsAreOptInAndBypassAI(t *testing.T) {
 	f, d := fixture()
 	d.Merchants[0].UseDefaults = true
@@ -72,7 +105,22 @@ func TestForceAIOverridesRuleWithoutChangingKind(t *testing.T) {
 	f, d := fixture()
 	d.Merchants[0].UseDefaults = true
 	calls := 0
-	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) { calls++; reply(w, validAnswer) })
+	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
+		calls++
+		prompt := decodeClassificationPrompt(t, r)
+		// Food is an expense-only choice; do not reuse c1 after the request
+		// switches to income, where that reference names a different category.
+		categoryID := "c999"
+		for _, category := range prompt.Categories {
+			if category.Path == normalize(domain.CategoryPath(d, "cat_food")) {
+				categoryID = category.ID
+			}
+			if calls == 2 && category.Kind != "income" {
+				t.Errorf("income request offered an expense category: %+v", category)
+			}
+		}
+		reply(w, fmt.Sprintf(`{"merchant_id":null,"new_merchant":null,"category_id":%q,"tag_ids":[],"confidence":"medium"}`, categoryID))
+	})
 	p, err := c.Classify(context.Background(), f, d, true)
 	if err != nil {
 		t.Fatal(err)
@@ -82,7 +130,7 @@ func TestForceAIOverridesRuleWithoutChangingKind(t *testing.T) {
 	}
 	f.Amount = "918.27"
 	p, err = c.Classify(context.Background(), f, d, true)
-	if err == nil || p.Enrichment.Kind != "income" || p.Enrichment.CategoryID != domain.IncomeFallback {
+	if err == nil || calls != 2 || p.Enrichment.Kind != "income" || p.Enrichment.CategoryID != domain.IncomeFallback {
 		t.Fatalf("income sign: %+v %v", p, err)
 	}
 }
@@ -117,21 +165,24 @@ func TestTransferNeverCallsAIOrAliases(t *testing.T) {
 
 func TestInvalidModelOutputsFailClosed(t *testing.T) {
 	cases := map[string]string{
-		"unknown key":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":0.9}`,
-		"change kind":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"kind":"transfer"}`,
-		"missing field":       `{"merchant_id":null,"category_id":"c1","tag_ids":[]}`,
-		"duplicate key":       `{"merchant_id":null,"new_merchant":null,"category_id":"c1","category_id":"c2","tag_ids":[]}`,
-		"case folded key":     `{"Merchant_ID":null,"new_merchant":null,"category_id":"c1","tag_ids":[]}`,
-		"unknown category":    `{"merchant_id":null,"new_merchant":null,"category_id":"cat_invented","tag_ids":[]}`,
-		"real ID not offered": `{"merchant_id":null,"new_merchant":null,"category_id":"cat_food","tag_ids":[]}`,
-		"unknown tag":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":["t999"]}`,
-		"duplicate tags":      `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":["t1","t1"]}`,
-		"null tags":           `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":null}`,
-		"null tag member":     `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[null]}`,
-		"unknown merchant":    `{"merchant_id":"m999","new_merchant":null,"category_id":"c1","tag_ids":[]}`,
-		"both merchant modes": `{"merchant_id":"m1","new_merchant":"Coffee","category_id":"c1","tag_ids":[]}`,
-		"blank proposal":      `{"merchant_id":null,"new_merchant":"  ","category_id":"c1","tag_ids":[]}`,
-		"wrong scalar":        `{"merchant_id":23,"new_merchant":null,"category_id":"c1","tag_ids":[]}`,
+		"unknown key":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high","unexpected":true}`,
+		"change kind":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high","kind":"transfer"}`,
+		"missing field":       `{"merchant_id":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"duplicate key":       `{"merchant_id":null,"new_merchant":null,"category_id":"c1","category_id":"c2","tag_ids":[],"confidence":"high"}`,
+		"case folded key":     `{"Merchant_ID":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"unknown category":    `{"merchant_id":null,"new_merchant":null,"category_id":"c999","tag_ids":[],"confidence":"high"}`,
+		"canonical category":  `{"merchant_id":null,"new_merchant":null,"category_id":"cat_food","tag_ids":[],"confidence":"high"}`,
+		"unknown tag":         `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":["t999"],"confidence":"high"}`,
+		"canonical tag":       `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":["tag_daily"],"confidence":"high"}`,
+		"duplicate tags":      `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":["t1","t1"],"confidence":"high"}`,
+		"null tags":           `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":null,"confidence":"high"}`,
+		"null tag member":     `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[null],"confidence":"high"}`,
+		"unknown merchant":    `{"merchant_id":"m999","new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"canonical merchant":  `{"merchant_id":"mer_coffee","new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"both merchant modes": `{"merchant_id":"m1","new_merchant":"Coffee","category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"blank proposal":      `{"merchant_id":null,"new_merchant":"  ","category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"wrong scalar":        `{"merchant_id":23,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`,
+		"numeric confidence":  `{"merchant_id":null,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":0.9}`,
 		"trailing JSON":       validAnswer + ` {}`,
 		"markdown":            "```json\n" + validAnswer + "\n```",
 		"array":               "[" + validAnswer + "]",
@@ -157,9 +208,9 @@ func TestMerchantSelectionAndLocalProposal(t *testing.T) {
 		name, content, merchant string
 		new                     bool
 	}{
-		{"existing", `{"merchant_id":"mer_coffee","new_merchant":null,"category_id":"cat_food","tag_ids":["tag_daily"],"confidence":"high"}`, "mer_coffee", false},
-		{"duplicate alias", `{"merchant_id":null,"new_merchant":"COFFEE-house","category_id":"cat_food","tag_ids":["tag_daily"],"confidence":"high"}`, "mer_coffee", false},
-		{"new", `{"merchant_id":null,"new_merchant":"Bakery Lane","category_id":"cat_food","tag_ids":["tag_daily"],"confidence":"high"}`, "", true},
+		{"existing", `{"merchant_id":"m1","new_merchant":null,"category_id":"c1","tag_ids":["t1"],"confidence":"high"}`, "mer_coffee", false},
+		{"duplicate alias", `{"merchant_id":null,"new_merchant":"COFFEE-house","category_id":"c1","tag_ids":["t1"],"confidence":"high"}`, "mer_coffee", false},
+		{"new", `{"merchant_id":null,"new_merchant":"Bakery Lane","category_id":"c1","tag_ids":["t1"],"confidence":"high"}`, "", true},
 	}
 	for _, tc := range cases {
 		t.Run(tc.name, func(t *testing.T) {
@@ -216,18 +267,14 @@ func TestIdentifierOnlyPromptRedactionAndRouting(t *testing.T) {
 		if len(messages) != 2 {
 			t.Fatal("unexpected messages")
 		}
-		var prompt struct {
-			Transaction map[string]any `json:"transaction"`
-			History     []any          `json:"history"`
-			Categories  []any          `json:"categories"`
-			Tags        []any          `json:"tags"`
-			Merchants   []any          `json:"merchants"`
-		}
-		if err := json.Unmarshal([]byte(messages[1].Content), &prompt); err != nil {
+		wire, err := json.Marshal(captured)
+		if err != nil {
 			t.Fatal(err)
 		}
-		if len(prompt.Transaction) == 0 || len(prompt.Categories) == 0 || len(prompt.Merchants) == 0 {
-			t.Fatal("complete structured prompt missing")
+		for _, canonicalID := range []string{"cat_food", "cat_expenses", "cat_income", "mer_coffee", "tag_daily"} {
+			if strings.Contains(string(wire), canonicalID) {
+				t.Errorf("request or response schema exposed canonical ID %q", canonicalID)
+			}
 		}
 		lower := strings.ToLower(messages[1].Content)
 		for _, secret := range []string{"private_external", "private_fingerprint", "tx_private", "account_private", "ext_local_secret", "private_source", "personal checking", "550e8400", "cobadeff", "secretpayment", "example.com", "alice privateperson", "de89370400440532013000", "de44500105175407324931"} {
@@ -296,11 +343,11 @@ func TestTransactionAmountAndCounterpartyAreSent(t *testing.T) {
 }
 
 func TestUnsafeMerchantProposalDroppedWithoutLosingClassification(t *testing.T) {
-	for _, name := range []string{"Alice Privateperson", "DE89370400440532013000", "Bank 123456789", "reference secretpayment", strings.Repeat("x", 101)} {
+	for _, name := range []string{"Alice Privateperson", "DE89370400440532013000", "Bank 123456789", "reference secretpayment", strings.Repeat("x", 101), "Rent \u202Edeifirev \u2713", "zero\u200Bwidth"} {
 		t.Run(name, func(t *testing.T) {
 			f, d := fixture()
 			f.Counterparty = "Alice Privateperson"
-			answer, _ := json.Marshal(map[string]any{"merchant_id": nil, "new_merchant": name, "category_id": "cat_food", "tag_ids": []string{}, "confidence": "high"})
+			answer, _ := json.Marshal(map[string]any{"merchant_id": nil, "new_merchant": name, "category_id": "c1", "tag_ids": []string{}, "confidence": "high"})
 			c := mockClient(t, func(w http.ResponseWriter, r *http.Request) { reply(w, string(answer)) })
 			c.PrivateNames = []string{"Alice Privateperson"}
 			p, err := c.Classify(context.Background(), f, d, true)
@@ -410,33 +457,67 @@ func TestCompleteRegistryPayloadAndGlobalDuplicateDetection(t *testing.T) {
 		d.Tags = append(d.Tags, domain.Tag{ID: fmt.Sprintf("tag_%02d", i), Name: fmt.Sprintf("Tag %02d", i)})
 		d.Categories = append(d.Categories, domain.Category{ID: fmt.Sprintf("cat_%02d", i), Name: fmt.Sprintf("Category %02d", i), Kind: "expense", ParentID: "cat_expenses"})
 	}
-	d.Merchants[34].Name = "Distant Bakery"
-	set := retrieve(f.RawDescription, "expense", d, redactor(d, f, nil), redactor(d, f, nil))
-	if len(set.merchantIDs) != 35 || len(set.tags) != 36 {
-		t.Fatalf("complete registry omitted entries: merchants=%d tags=%d", len(set.merchantIDs), len(set.tags))
-	}
-	if set.merchantIDs["mer_34"] != "mer_34" ||
-		set.tagIDs["tag_34"] != "tag_34" ||
-		set.categoryIDs["cat_34"] != "cat_34" {
-		t.Fatal("registry omitted real ids")
-	}
+	d.Merchants[34].Name = "Z Distant Bakery"
 	before := domain.Clone(d)
+	for _, mode := range []string{"existing", "duplicate name"} {
+		t.Run(mode, func(t *testing.T) {
 			c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
-		content, _ := json.Marshal(map[string]any{
-			"merchant_id":  "mer_34",
-			"new_merchant": nil,
-			"category_id":  "cat_34",
-			"tag_ids":      []string{"tag_34"},
+				prompt := decodeClassificationPrompt(t, r)
+				if len(prompt.Merchants) != 35 || len(prompt.Tags) != 36 || len(prompt.Categories) != 37 {
+					t.Fatalf("complete candidates missing: merchants=%d tags=%d categories=%d", len(prompt.Merchants), len(prompt.Tags), len(prompt.Categories))
+				}
+				merchants, categories, tags := map[string]string{}, map[string]string{}, map[string]string{}
+				for _, merchant := range prompt.Merchants {
+					merchants[merchant.Name] = merchant.ID
+				}
+				for _, category := range prompt.Categories {
+					if category.Kind != "expense" {
+						t.Errorf("ineligible category candidate: %+v", category)
+					}
+					categories[category.Path] = category.ID
+				}
+				for _, tag := range prompt.Tags {
+					tags[tag.Name] = tag.ID
+				}
+				for _, merchant := range d.Merchants {
+					if merchants[normalize(merchant.Name)] == "" {
+						t.Errorf("merchant omitted: %s", merchant.Name)
+					}
+				}
+				for _, category := range d.Categories {
+					if category.Kind == "expense" && category.ID != "cat_expenses" && categories[normalize(domain.CategoryPath(d, category.ID))] == "" {
+						t.Errorf("eligible category omitted: %s", category.Name)
+					}
+				}
+				for _, tag := range d.Tags {
+					if tags[normalize(tag.Name)] == "" {
+						t.Errorf("tag omitted: %s", tag.Name)
+					}
+				}
+				var merchantID, newMerchant any = merchants["z distant bakery"], nil
+				if mode == "duplicate name" {
+					merchantID, newMerchant = nil, "Z Distant Bakery"
+				}
+				content, err := json.Marshal(map[string]any{
+					"merchant_id":  merchantID,
+					"new_merchant": newMerchant,
+					"category_id":  categories[normalize(domain.CategoryPath(d, "cat_34"))],
+					"tag_ids":      []string{tags["tag 34"]},
 					"confidence":   "high",
 				})
+				if err != nil {
+					t.Fatal(err)
+				}
 				reply(w, string(content))
 			})
 			p, err := c.Classify(context.Background(), f, d, true)
-	if err != nil || p.Enrichment.MerchantID != "mer_34" || p.Enrichment.CategoryID != "cat_34" || !reflect.DeepEqual(p.Enrichment.TagIDs, []string{"tag_34"}) {
+			if err != nil || p.NewMerchant != nil || p.Enrichment.MerchantID != "mer_34" || p.Enrichment.CategoryID != "cat_34" || !reflect.DeepEqual(p.Enrichment.TagIDs, []string{"tag_34"}) {
 				t.Fatalf("complete registry selection failed: %+v %v", p, err)
 			}
 			if !reflect.DeepEqual(before, d) {
-		t.Fatal("retrieval mutated registry order")
+				t.Fatal("classification mutated the dataset")
+			}
+		})
 	}
 }
 
@@ -480,7 +561,7 @@ func TestConfiguredPrivateNamesAndIdentifiersRedactWithoutRemovingPayee(t *testi
 func TestLowConfidenceKeepsProposalAndRecordsConfidence(t *testing.T) {
 	f, d := fixture()
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
-		reply(w, `{"merchant_id":"mer_coffee","new_merchant":null,"category_id":"cat_food","tag_ids":["tag_daily"],"confidence":"low"}`)
+		reply(w, `{"merchant_id":"m1","new_merchant":null,"category_id":"c1","tag_ids":["t1"],"confidence":"low"}`)
 	})
 	p, err := c.Classify(context.Background(), f, d, true)
 	if err != nil {
@@ -547,7 +628,7 @@ func TestPayeeAndPublicMerchantAreSentToAI(t *testing.T) {
 				Description  string `json:"description"`
 				Counterparty string `json:"counterparty"`
 			} `json:"transaction"`
-			Merchants []candidate `json:"merchants"`
+			Merchants []merchantPrompt `json:"merchants"`
 		}
 		if err := json.Unmarshal([]byte(req.Messages[1].Content), &prompt); err != nil {
 			t.Fatal(err)
@@ -558,7 +639,7 @@ func TestPayeeAndPublicMerchantAreSentToAI(t *testing.T) {
 		if len(prompt.Merchants) != 26 || prompt.Merchants[0].Name != "coffee house" {
 			t.Fatalf("complete merchant registry missing: %d", len(prompt.Merchants))
 		}
-		reply(w, `{"merchant_id":"mer_coffee","new_merchant":null,"category_id":"cat_food","tag_ids":[],"confidence":"high"}`)
+		reply(w, fmt.Sprintf(`{"merchant_id":%q,"new_merchant":null,"category_id":"c1","tag_ids":[],"confidence":"high"}`, prompt.Merchants[0].ID))
 	})
 	p, err := c.Classify(context.Background(), f, d, true)
 	if err != nil || p.Enrichment.MerchantID != "mer_coffee" {

internal/classification/ledger_test.go

@@ -2,9 +2,11 @@ package classification
 
 import (
 	"context"
+	"encoding/json"
 	"fmt"
 	"net/http"
 	"reflect"
+	"regexp"
 	"strings"
 	"testing"
 
@@ -60,6 +62,17 @@ func ledgerFixture() (domain.Dataset, domain.Facts) {
 	return d, facts
 }
 
+func categoryRefForPath(t *testing.T, categories []categoryPrompt, path string) string {
+	t.Helper()
+	for _, category := range categories {
+		if category.Path == path {
+			return category.ID
+		}
+	}
+	t.Errorf("category path %q missing from prompt: %+v", path, categories)
+	return ""
+}
+
 // strictKeywords is what every targeted provider accepts in strict
 // structured-output mode. uniqueItems is rejected outright by OpenAI-family
 // endpoints ("'uniqueItems' is not permitted"); minItems/maxItems make Gemini
@@ -115,7 +128,9 @@ func TestLedgerRowClassifiesThroughStrictSchema(t *testing.T) {
 		}
 	}
 	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
-		reply(w, `{"merchant_id":null,"new_merchant":"Finanzamt Bruehl","category_id":"`+taxes+`","tag_ids":[],"confidence":"high"}`)
+		prompt := decodeClassificationPrompt(t, r)
+		category := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, taxes)))
+		reply(w, `{"merchant_id":null,"new_merchant":"Finanzamt Bruehl","category_id":"`+category+`","tag_ids":[],"confidence":"high"}`)
 	})
 	p, err := c.Classify(context.Background(), facts, d, true)
 	if err != nil {
@@ -188,18 +203,123 @@ func TestManualCorrectionsOutrankAIPrecedent(t *testing.T) {
 	add("tx_corrected", "2026-08-01", events, "manual")
 	target := domain.Facts{ID: "tx_new", AccountID: "acct_kontist", BookingDate: "2026-08-30",
 		Amount: "-13.00", Currency: "EUR", Counterparty: "LVR Landesmuseum Bonn"}
-	rows := history(target, d, func(s string) string { return normalize(s) }, 20)
-	if len(rows) == 0 || rows[0].Source != "user" || rows[0].CategoryID != events {
+	set := retrieve("", "expense", d, nil, nil)
+	rows := set.history(target, d, normalize, 20)
+	eventsRef := categoryRefForPath(t, set.categories, domain.CategoryPath(d, events))
+	if len(rows) == 0 {
+		t.Fatal("manual correction missing from precedent")
+	}
+	if rows[0].Source != "user" || rows[0].CategoryID != eventsRef {
 		t.Fatalf("manual correction did not lead precedent: %+v", rows[0])
 	}
-	// The correction keeps its slot even in a window the AI rows could fill.
-	users := 0
-	for _, row := range rows {
-		if row.Source == "user" {
-			users++
+}
+
+func TestHistoryReferencesResolveThroughCurrentRequestCandidates(t *testing.T) {
+	facts, d := fixture()
+	d.Categories = append(d.Categories, domain.Category{ID: "cat_salary", Name: "Salary", ParentID: "cat_income", Kind: "income"})
+	d.Merchants = append(d.Merchants, domain.Merchant{ID: "mer_payroll", Name: "Payroll", DefaultCategoryID: "cat_salary"})
+	manual := facts
+	manual.ID, manual.Fingerprint, manual.BookingDate = "tx_manual", "fp_manual", "2026-08-01"
+	d.Transactions = append(d.Transactions, domain.Transaction{Facts: manual, Enrichment: domain.Enrichment{
+		Kind: "expense", CategoryID: "cat_food", MerchantID: "mer_coffee", TagIDs: []string{"tag_daily"},
+		Classification: domain.Provenance{Source: "manual"},
+	}})
+	income := manual
+	income.ID, income.Fingerprint, income.BookingDate, income.Amount = "tx_income", "fp_income", "2026-08-31", "100.00"
+	d.Transactions = append(d.Transactions, domain.Transaction{Facts: income, Enrichment: domain.Enrichment{
+		Kind: "income", CategoryID: "cat_salary", MerchantID: "mer_payroll", TagIDs: []string{"tag_daily"},
+		Classification: domain.Provenance{Source: "manual"},
+	}})
+	categoryPattern := regexp.MustCompile(`^c[1-9][0-9]*$`)
+	merchantPattern := regexp.MustCompile(`^m[1-9][0-9]*$`)
+	tagPattern := regexp.MustCompile(`^t[1-9][0-9]*$`)
+	expectedCategories := 2
+	c := mockClient(t, func(w http.ResponseWriter, r *http.Request) {
+		prompt := decodeClassificationPrompt(t, r)
+		if len(prompt.Categories) != expectedCategories || len(prompt.Merchants) != len(d.Merchants) || len(prompt.Tags) != len(d.Tags) {
+			t.Errorf("request lost eligible registry candidates: categories=%d merchants=%d tags=%d",
+				len(prompt.Categories), len(prompt.Merchants), len(prompt.Tags))
+		}
+		categories := make(map[string]bool)
+		for _, candidate := range prompt.Categories {
+			if !categoryPattern.MatchString(candidate.ID) || candidate.Kind != "expense" || categories[candidate.ID] {
+				t.Errorf("invalid expense category reference: %+v", candidate)
+			}
+			categories[candidate.ID] = true
+		}
+		food := categoryRefForPath(t, prompt.Categories, normalize(domain.CategoryPath(d, "cat_food")))
+		merchants := make(map[string]bool)
+		coffee := ""
+		for _, candidate := range prompt.Merchants {
+			if !merchantPattern.MatchString(candidate.ID) || merchants[candidate.ID] {
+				t.Errorf("invalid merchant reference: %+v", candidate)
+			}
+			merchants[candidate.ID] = true
+			if candidate.UsualCategory != "" && !categories[candidate.UsualCategory] {
+				t.Errorf("merchant has dangling usual category: %+v", candidate)
+			}
+			if candidate.Name == "coffee house" {
+				coffee = candidate.ID
+				if candidate.UsualCategory != food {
+					t.Errorf("merchant usual category does not identify Food: %+v", candidate)
 				}
 			}
-	if users == 0 {
-		t.Fatal("correction crowded out of the history window")
+		}
+		tags := make(map[string]bool)
+		daily := ""
+		for _, candidate := range prompt.Tags {
+			if !tagPattern.MatchString(candidate.ID) || tags[candidate.ID] {
+				t.Errorf("invalid tag reference: %+v", candidate)
+			}
+			tags[candidate.ID] = true
+			if candidate.Name == "daily" {
+				daily = candidate.ID
+			}
+		}
+		if coffee == "" || daily == "" {
+			t.Error("request lost Coffee House or Daily")
+		}
+		if len(prompt.History) != 1 {
+			t.Errorf("expected only applicable manual expense history, got %+v", prompt.History)
+			w.WriteHeader(http.StatusBadRequest)
+			return
+		}
+		history := prompt.History[0]
+		if history.Source != "user" || history.CategoryID != food || history.MerchantID != coffee ||
+			!reflect.DeepEqual(history.TagIDs, []string{daily}) {
+			t.Errorf("manual history references do not match offered records: %+v", history)
+		}
+		// Copying the correction must select the original registry records, not
+		// whatever records occupied these request-local references previously.
+		answer, err := json.Marshal(map[string]any{
+			"merchant_id": history.MerchantID, "new_merchant": nil,
+			"category_id": history.CategoryID, "tag_ids": history.TagIDs, "confidence": "high",
+		})
+		if err != nil {
+			t.Error(err)
+			w.WriteHeader(http.StatusInternalServerError)
+			return
+		}
+		reply(w, string(answer))
+	})
+	for _, name := range []string{"original registry", "shifted registry"} {
+		if name == "shifted registry" {
+			// New names sort before every selected record and change all three
+			// references without changing the canonical correction.
+			d.Categories = append(d.Categories, domain.Category{ID: "cat_early", Name: "Aardvark", ParentID: "cat_expenses", Kind: "expense"})
+			d.Merchants = append(d.Merchants, domain.Merchant{ID: "mer_early", Name: "Aardvark"})
+			d.Tags = append(d.Tags, domain.Tag{ID: "tag_early", Name: "Aardvark"})
+			expectedCategories++
+		}
+		t.Run(name, func(t *testing.T) {
+			p, err := c.Classify(context.Background(), facts, d, true)
+			if err != nil {
+				t.Fatal(err)
+			}
+			if p.NewMerchant != nil || p.Enrichment.CategoryID != "cat_food" || p.Enrichment.MerchantID != "mer_coffee" ||
+				!reflect.DeepEqual(p.Enrichment.TagIDs, []string{"tag_daily"}) {
+				t.Fatalf("manual precedent resolved to wrong canonical records: %+v", p)
+			}
+		})
 	}
 }

internal/classification/propose.go

@@ -83,7 +83,7 @@ func normalizedProposalName(value string, max int) (string, error) {
 	if !utf8.ValidString(value) || value == "" || utf8.RuneCountInString(value) > max {
 		return "", errors.New("proposal name is blank, invalid UTF-8 or too long")
 	}
-	if strings.ContainsAny(value, "{}[]()<>/\\") || strings.Contains(value, "___") {
+	if strings.ContainsAny(value, "{}[]()<>/\\") || strings.Contains(value, "___") || hasHiddenRunes(value) {
 		return "", errors.New("proposal name is identifier-shaped")
 	}
 	return value, nil

internal/domain/domain.go

@@ -171,7 +171,7 @@ func NewDataset() Dataset {
 	return Dataset{Accounts: []Account{}, Categories: []Category{
 		{ID: "cat_expenses", Name: "Expenses", Kind: "expense"}, {ID: ExpenseFallback, Name: "Unclassified", ParentID: "cat_expenses", Kind: "expense"},
 		{ID: "cat_income", Name: "Income", Kind: "income"}, {ID: IncomeFallback, Name: "Unclassified", ParentID: "cat_income", Kind: "income"},
-	}, Tags: []Tag{}, Merchants: []Merchant{}, Instruments: []Instrument{}, Transactions: []Transaction{}}
+	}, Tags: []Tag{}, Merchants: []Merchant{}, Instruments: []Instrument{}, Assets: []Asset{}, Transactions: []Transaction{}}
 }
 
 // InstrumentID derives a stable registry ID from an ISIN so re-importing the
@@ -181,7 +181,7 @@ func InstrumentID(isin string) string {
 	return "ins_" + hex.EncodeToString(sum[:16])
 }
 func Clone(d Dataset) Dataset {
-	c := Dataset{Accounts: append([]Account{}, d.Accounts...), Categories: append([]Category{}, d.Categories...), Tags: append([]Tag{}, d.Tags...), Merchants: append([]Merchant{}, d.Merchants...), Instruments: append([]Instrument{}, d.Instruments...), Transactions: append([]Transaction{}, d.Transactions...)}
+	c := Dataset{Accounts: append([]Account{}, d.Accounts...), Categories: append([]Category{}, d.Categories...), Tags: append([]Tag{}, d.Tags...), Merchants: append([]Merchant{}, d.Merchants...), Instruments: append([]Instrument{}, d.Instruments...), Assets: append([]Asset{}, d.Assets...), Transactions: append([]Transaction{}, d.Transactions...)}
 	for i := range c.Merchants {
 		c.Merchants[i].Aliases = append([]string{}, d.Merchants[i].Aliases...)
 		c.Merchants[i].DefaultTagIDs = append([]string{}, d.Merchants[i].DefaultTagIDs...)
@@ -250,6 +250,11 @@ func validHint(s string) bool {
 	return utf8.ValidString(s) && utf8.RuneCountInString(s) <= 200
 }
 
+// validName bounds registry display names at the 200 runes every UI form
+// already enforces, so no client can persist an unbounded name that every
+// later state response would carry.
+func validName(s string) bool { return nonblank(s) && utf8.RuneCountInString(s) <= 200 }
+
 // ValidISIN reports a syntactically valid ISIN: two country letters, nine
 // alphanumerics and a check digit.
 func ValidISIN(s string) bool { return isinPattern.MatchString(s) }
@@ -286,13 +291,27 @@ func Validate(d Dataset) error {
 		if a.Kind != "" && a.Kind != AccountCash && a.Kind != AccountInvestment {
 			return fmt.Errorf("account %q: kind must be %q or %q", a.ID, AccountCash, AccountInvestment)
 		}
+		// An anchor is one figure and the day it was true: neither half means
+		// anything alone, and anchoring an investment account would mask an
+		// incomplete broker history instead of exposing it.
+		if (a.AnchorBalance == "") != (a.AnchorDate == "") {
+			return fmt.Errorf("account %q: an anchor needs both a balance and its date", a.ID)
+		}
+		if a.AnchorDate != "" {
+			if a.Investing() {
+				return fmt.Errorf("account %q: a balance anchor belongs to a cash account; a broker export carries its complete history", a.ID)
+			}
+			if _, err := a.AnchorBalance.Minor(); err != nil || !validDate(a.AnchorDate) {
+				return fmt.Errorf("account %q: invalid anchor balance or date", a.ID)
+			}
+		}
 		accounts[a.ID] = a
 	}
 	for _, c := range d.Categories {
 		if err := register(c.ID, "category"); err != nil {
 			return err
 		}
-		if !nonblank(c.Name) || !validHint(c.Hint) || (c.Kind != "expense" && c.Kind != "income") {
+		if !validName(c.Name) || !validHint(c.Hint) || (c.Kind != "expense" && c.Kind != "income") {
 			return fmt.Errorf("category %q: invalid name, hint or kind", c.ID)
 		}
 		categories[c.ID] = c
@@ -330,7 +349,7 @@ func Validate(d Dataset) error {
 		if err := register(t.ID, "tag"); err != nil {
 			return err
 		}
-		if !nonblank(t.Name) || !validHint(t.Hint) {
+		if !validName(t.Name) || !validHint(t.Hint) {
 			return fmt.Errorf("tag %q: name or hint invalid", t.ID)
 		}
 		tags[t.ID] = true
@@ -339,8 +358,8 @@ func Validate(d Dataset) error {
 		if err := register(m.ID, "merchant"); err != nil {
 			return err
 		}
-		if !nonblank(m.Name) {
-			return fmt.Errorf("merchant %q: name required", m.ID)
+		if !validName(m.Name) {
+			return fmt.Errorf("merchant %q: valid name of at most 200 characters required", m.ID)
 		}
 		if m.DefaultCategoryID != "" {
 			if _, ok := categories[m.DefaultCategoryID]; !ok || children[m.DefaultCategoryID] {
@@ -375,7 +394,7 @@ func Validate(d Dataset) error {
 		if other, ok := isins[v.ISIN]; ok {
 			return fmt.Errorf("instrument %q: ISIN %s already held by %q", v.ID, v.ISIN, other)
 		}
-		if !nonblank(v.Name) || !currencyPattern.MatchString(v.Currency) || !validText(v.Symbol) {
+		if !validName(v.Name) || !currencyPattern.MatchString(v.Currency) || !validText(v.Symbol) {
 			return fmt.Errorf("instrument %q: valid UTF-8 name and symbol and three-letter uppercase currency required", v.ID)
 		}
 		// A quote without its day cannot be judged stale, and a day without a
@@ -398,6 +417,22 @@ func Validate(d Dataset) error {
 		isins[v.ISIN] = v.ID
 		instruments[v.ID] = v
 	}
+	for _, v := range d.Assets {
+		if err := register(v.ID, "asset"); err != nil {
+			return err
+		}
+		if !nonblank(v.Name) || !currencyPattern.MatchString(v.Currency) || !validText(v.Kind) {
+			return fmt.Errorf("asset %q: valid UTF-8 name and three-letter uppercase currency required", v.ID)
+		}
+		// A hand-stated value without its day cannot be judged stale, so the
+		// two are recorded together, always.
+		if _, err := v.Value.Minor(); err != nil {
+			return fmt.Errorf("asset %q: %w", v.ID, err)
+		}
+		if !validDate(v.ValuedAt) {
+			return fmt.Errorf("asset %q: invalid valuation date %q", v.ID, v.ValuedAt)
+		}
+	}
 	for _, t := range d.Transactions {
 		f := t.Facts
 		if err := register(f.ID, "transaction"); err != nil {

internal/domain/domain_test.go

@@ -75,6 +75,20 @@ func TestDomainRejectsBrokenReferencesAndTaxonomy(t *testing.T) {
 		{"duplicate identity", func(d *Dataset) { d.Tags[0].ID = "acc_main" }},
 		{"invalid provenance date", func(d *Dataset) { d.Transactions[0].Enrichment.Classification.Timestamp = "yesterday" }},
 		{"nonleaf merchant default", func(d *Dataset) { d.Merchants[0].DefaultCategoryID = "cat_food" }},
+		{"oversized tag name", func(d *Dataset) { d.Tags[0].Name = strings.Repeat("x", 201) }},
+		{"oversized category name", func(d *Dataset) { d.Categories[2].Name = strings.Repeat("x", 201) }},
+		{"anchor balance without its date", func(d *Dataset) { d.Accounts[1].AnchorBalance = "100.00" }},
+		{"anchor date without its balance", func(d *Dataset) { d.Accounts[1].AnchorDate = "2026-01-01" }},
+		{"anchored investment account", func(d *Dataset) {
+			d.Accounts[1].Kind = AccountInvestment
+			d.Accounts[1].AnchorBalance, d.Accounts[1].AnchorDate = "100.00", "2026-01-01"
+		}},
+		{"invalid anchor date", func(d *Dataset) {
+			d.Accounts[1].AnchorBalance, d.Accounts[1].AnchorDate = "100.00", "2026-02-30"
+		}},
+		{"invalid anchor balance", func(d *Dataset) {
+			d.Accounts[1].AnchorBalance, d.Accounts[1].AnchorDate = "1e2", "2026-01-01"
+		}},
 	}
 	for _, tc := range cases {
 		t.Run(tc.name, func(t *testing.T) {

internal/domain/model.go

@@ -31,6 +31,16 @@ type Account struct {
 	// broker exports no counterparty column, so deposits and withdrawals carry
 	// this IBAN instead and pair with the funding account like any transfer.
 	ReferenceIBAN string `json:"reference_iban,omitempty"`
+	// AnchorBalance is the bank's booked (CLBD) balance on AnchorDate, captured
+	// once from open banking after a sync. It fixes the start balance of a
+	// date-windowed history: the money that existed before the recorded rows is
+	// AnchorBalance less every movement booked through AnchorDate, so the
+	// account's real balance is computable without complete history. The bank's
+	// figure is stored verbatim — the start balance is derived, never stored —
+	// so importing older history later corrects the derivation by itself.
+	// Cash accounts only: a broker export carries its complete history.
+	AnchorBalance Money  `json:"anchor_balance,omitempty"`
+	AnchorDate    string `json:"anchor_date,omitempty"`
 	Active        bool   `json:"active"`
 }
 
@@ -116,6 +126,20 @@ type Instrument struct {
 	QuotedAt string   `json:"quoted_at,omitempty"`
 }
 
+// Asset is a possession valued by hand: a house, a car, anything without a
+// market feed. Value is what the owner states it is worth and ValuedAt the day
+// that estimate was made, so a stale figure is visible rather than silently
+// trusted. A negative value records a liability such as a mortgage.
+type Asset struct {
+	ID   string `json:"id"`
+	Name string `json:"name"`
+	// Kind is free display text grouping the asset: "Real estate", "Vehicle".
+	Kind     string `json:"kind,omitempty"`
+	Currency string `json:"currency"`
+	Value    Money  `json:"value"`
+	ValuedAt string `json:"valued_at"`
+}
+
 type Facts struct {
 	ID               string `json:"id"`
 	Source           string `json:"source"`
@@ -178,6 +202,7 @@ type Dataset struct {
 	Tags         []Tag         `json:"tags"`
 	Merchants    []Merchant    `json:"merchants"`
 	Instruments  []Instrument  `json:"instruments"`
+	Assets       []Asset       `json:"assets"`
 	Transactions []Transaction `json:"transactions"`
 }
 

internal/journal/codec.go

@@ -19,7 +19,7 @@ import (
 // registryFiles are the non-monthly journal files, in the order they are read
 // and written. A block's file is its kind pluralized, so this list and the
 // kinds accepted by parseDocument must stay in step.
-var registryFiles = []string{"accounts.finance", "categories.finance", "tags.finance", "merchants.finance", "instruments.finance"}
+var registryFiles = []string{"accounts.finance", "categories.finance", "tags.finance", "merchants.finance", "instruments.finance", "assets.finance"}
 
 type fieldSpan struct{ start, end int }
 type block struct {
@@ -140,7 +140,7 @@ func parseDocument(path string, raw []byte) (*document, error) {
 		}
 		header := strings.Fields(trimmed)
 		if len(header) != 2 || header[1] != "{" {
-			return fail(i+1, "expected 'account|category|tag|merchant|instrument|transaction {'")
+			return fail(i+1, "expected 'account|category|tag|merchant|instrument|asset|transaction {'")
 		}
 		kind := header[0]
 		var value any
@@ -155,6 +155,8 @@ func parseDocument(path string, raw []byte) (*document, error) {
 			value = &domain.Merchant{}
 		case "instrument":
 			value = &domain.Instrument{}
+		case "asset":
+			value = &domain.Asset{}
 		case "transaction":
 			value = &domain.Transaction{}
 		default:
@@ -237,6 +239,9 @@ func parseDocument(path string, raw []byte) (*document, error) {
 		case *domain.Instrument:
 			b.id = v.ID
 			b.value = *v
+		case *domain.Asset:
+			b.id = v.ID
+			b.value = *v
 		case *domain.Merchant:
 			if v.Aliases == nil {
 				v.Aliases = []string{}
@@ -342,6 +347,9 @@ func datasetFiles(d domain.Dataset) map[string]map[string]piece {
 	for _, v := range d.Instruments {
 		add("instruments.finance", "instrument", v.ID, v)
 	}
+	for _, v := range d.Assets {
+		add("assets.finance", "asset", v.ID, v)
+	}
 	for _, v := range d.Transactions {
 		month := v.Facts.BookingDate[:7]
 		add("journal/"+month[:4]+"/"+month+".finance", "transaction", v.Facts.ID, v)

internal/journal/store.go

@@ -435,7 +435,7 @@ func (s *Store) snapshot() (*snapshot, error) {
 	return snap, nil
 }
 func decodeSnapshot(raw map[string][]byte) (*snapshot, error) {
-	snap := &snapshot{raw: raw, docs: map[string]*document{}, revision: revision(raw), data: domain.Dataset{Accounts: []domain.Account{}, Categories: []domain.Category{}, Tags: []domain.Tag{}, Merchants: []domain.Merchant{}, Instruments: []domain.Instrument{}, Transactions: []domain.Transaction{}}}
+	snap := &snapshot{raw: raw, docs: map[string]*document{}, revision: revision(raw), data: domain.Dataset{Accounts: []domain.Account{}, Categories: []domain.Category{}, Tags: []domain.Tag{}, Merchants: []domain.Merchant{}, Instruments: []domain.Instrument{}, Assets: []domain.Asset{}, Transactions: []domain.Transaction{}}}
 	if len(raw) == 0 {
 		snap.data = domain.NewDataset()
 		return snap, nil
@@ -483,6 +483,8 @@ func decodeSnapshot(raw map[string][]byte) (*snapshot, error) {
 				snap.data.Merchants = append(snap.data.Merchants, v)
 			case domain.Instrument:
 				snap.data.Instruments = append(snap.data.Instruments, v)
+			case domain.Asset:
+				snap.data.Assets = append(snap.data.Assets, v)
 			case domain.Transaction:
 				snap.data.Transactions = append(snap.data.Transactions, v)
 			}

internal/journal/store_test.go

@@ -514,6 +514,30 @@ func TestNullListsPreserveUntouchedExternalBlockBytes(t *testing.T) {
 	}
 }
 
+// An asset is a registry entity like any other: committed to its own file and
+// identical after a fresh load, or the wealth it backs vanishes on restart.
+func TestAssetsSurviveCommitAndReload(t *testing.T) {
+	s := openTestStore(t)
+	d, r := loadTestStore(t, s)
+	d.Assets = []domain.Asset{{ID: "asset_house", Name: "House", Kind: "Real estate", Currency: "EUR", Value: "250000.00", ValuedAt: "2026-09-01"}}
+	commitTestStore(t, s, r, d)
+	if err := s.Close(); err != nil {
+		t.Fatal(err)
+	}
+	fresh, err := Open(s.dir)
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer fresh.Close()
+	loaded, _ := loadTestStore(t, fresh)
+	if !reflect.DeepEqual(loaded.Assets, d.Assets) {
+		t.Errorf("assets after reload %+v, want %+v", loaded.Assets, d.Assets)
+	}
+	if raw := readTestFile(t, filepath.Join(s.dir, "assets.finance")); !bytes.Contains(raw, []byte(`asset {`)) {
+		t.Errorf("assets.finance holds no asset block: %s", raw)
+	}
+}
+
 func TestOversizedCommitCannotPublishUnreadableRecoveryIntent(t *testing.T) {
 	s := openTestStore(t)
 	original, r := loadTestStore(t, s)

internal/server/server.go

@@ -45,6 +45,7 @@ func New(a *app.App, assets fs.FS, publicURL string) (http.Handler, error) {
 	s.mux.HandleFunc("POST /api/tags", s.tag)
 	s.mux.HandleFunc("POST /api/merchants", s.merchant)
 	s.mux.HandleFunc("POST /api/instruments", s.instrument)
+	s.mux.HandleFunc("POST /api/assets", s.asset)
 	s.mux.HandleFunc("POST /api/transactions/{id}/transfer", s.transfer)
 	s.mux.HandleFunc("POST /api/transactions/{id}", s.transaction)
 	s.mux.HandleFunc("POST /api/manage", s.manage)
@@ -294,6 +295,17 @@ func (s *Server) instrument(w http.ResponseWriter, r *http.Request) {
 	v, e := s.app.Mutate(r.Context(), b.Revision, func(d *domain.Dataset) error { return app.SaveInstrument(d, b.Instrument) })
 	respond(w, v, e)
 }
+func (s *Server) asset(w http.ResponseWriter, r *http.Request) {
+	var b struct {
+		Revision string       `json:"revision"`
+		Asset    domain.Asset `json:"asset"`
+	}
+	if !decode(w, r, &b) {
+		return
+	}
+	v, e := s.app.Mutate(r.Context(), b.Revision, func(d *domain.Dataset) error { return app.SaveAsset(d, b.Asset) })
+	respond(w, v, e)
+}
 
 // transfer links or unlinks one transaction's own-account counterpart. It is a
 // separate endpoint because both sides change together: the transaction editor

web/src/Accounts.tsx

@@ -1244,9 +1244,16 @@ function AccountEditor({
                 pattern="[A-Z]{3}"
                 maxLength={3}
                 value={value.currency}
-                onChange={(e) =>
-                  setValue({ ...value, currency: e.target.value.toUpperCase() })
-                }
+                onChange={(e) => {
+                  const currency = e.target.value.toUpperCase();
+                  setValue((current) => ({
+                    ...current,
+                    currency,
+                    ...(currency !== current.currency
+                      ? { anchor_balance: "", anchor_date: "" }
+                      : {}),
+                  }));
+                }}
               />
             </Field>
           </div>
@@ -1288,11 +1295,40 @@ function AccountEditor({
           >
             <input
               value={value.external_account_id || ""}
-              onChange={(e) =>
-                setValue({ ...value, external_account_id: e.target.value })
-              }
+              onChange={(e) => {
+                const external = e.target.value;
+                setValue((current) => ({
+                  ...current,
+                  external_account_id: external,
+                  ...(external !== (current.external_account_id || "")
+                    ? { anchor_balance: "", anchor_date: "" }
+                    : {}),
+                }));
+              }}
             />
           </Field>
+          {value.anchor_date && (
+            <Field
+              label="Balance anchor"
+              hint="The bank's booked balance, captured once after a sync. It fixes this account's start balance on Wealth. Clear it and the next synchronization captures a fresh one."
+            >
+              <div className="anchor-row">
+                <span>
+                  {money(value.anchor_balance ?? "0", value.currency)} on{" "}
+                  {value.anchor_date}
+                </span>
+                <button
+                  type="button"
+                  className="button subtle"
+                  onClick={() =>
+                    setValue({ ...value, anchor_balance: "", anchor_date: "" })
+                  }
+                >
+                  Clear anchor
+                </button>
+              </div>
+            </Field>
+          )}
           <label className="checkbox">
             <input
               type="checkbox"

web/src/Classification.tsx

@@ -16,7 +16,9 @@ import type {
 } from "./api";
 import { categoryPath, money, request } from "./api";
 import {
+  CategoryCombobox,
   Combobox,
+  createTag,
   DateField,
   Empty,
   ErrorMessage,
@@ -24,12 +26,15 @@ import {
   Modal,
   ModelOptions,
 } from "./ui";
+import type { Mutate } from "./ui";
 export function Classification({
   state,
   acceptState,
+  mutate,
 }: {
   state: State;
   acceptState: (state: State, message?: string) => void;
+  mutate: Mutate;
 }) {
   const dates = state.data.transactions.map((t) => t.facts.booking_date).sort();
   const [from, setFrom] = useState(dates[0] || "");
@@ -292,10 +297,12 @@ export function Classification({
               setBusy(true);
               setError("");
               try {
+                // Refresh registry labels for the review, but let the server
+                // take its own snapshot so another write cannot race analysis.
+                acceptState(await request<State>("/api/state"));
                 const start = await request<PreviewProgress>(
                   "/api/reclassify/preview",
                   {
-                    revision: state.revision,
                     from,
                     to,
                     model: model.trim(),
@@ -480,6 +487,7 @@ export function Classification({
                           value={effective(change)}
                           edited={change.id in edits}
                           disabled={busy}
+                          mutate={mutate}
                           onChange={(value) => correct(change, value)}
                         />
                       </div>
@@ -665,14 +673,18 @@ interface CorrectionValue {
 }
 // CorrectionEditor is the "Proposed" side of a review row, editable in place.
 // Category and tags are free-text inputs that autocomplete against the
-// existing taxonomy; the category list is limited to leaves of the change's
-// kind because that is what validation will accept.
+// existing taxonomy and can create a missing entry in place; the category
+// list is limited to leaves of the change's kind because that is what
+// validation will accept. Creating mid-review bumps the journal revision,
+// which the apply path tolerates as long as the transactions themselves are
+// untouched.
 function CorrectionEditor({
   data,
   change,
   value,
   edited,
   disabled,
+  mutate,
   onChange,
 }: {
   data: Dataset;
@@ -680,15 +692,14 @@ function CorrectionEditor({
   value: CorrectionValue;
   edited: boolean;
   disabled: boolean;
+  mutate: Mutate;
   onChange: (value: CorrectionValue) => void;
 }) {
-  const categories = data.categories
-    .filter(
-      (c) =>
-        c.kind === change.after.kind &&
-        !data.categories.some((child) => child.parent_id === c.id),
-    )
-    .map((c) => ({ value: c.id, label: categoryPath(data, c.id) }));
+  // Async creates resolve against the freshest correction, not the snapshot
+  // captured when the create row was clicked: a chip removed during the
+  // server round trip must survive the create landing.
+  const latest = useRef(value);
+  latest.current = value;
   const addable = data.tags
     .filter((t) => !value.tag_ids.includes(t.id))
     .map((t) => ({ value: t.id, label: t.name }));
@@ -726,13 +737,16 @@ function CorrectionEditor({
         <div>
           <dt>Category</dt>
           <dd>
-            <Combobox
-              options={categories}
+            <CategoryCombobox
+              data={data}
+              kind={change.after.kind}
+              leavesOnly
+              mutate={mutate}
               value={value.category_id}
               disabled={disabled}
-              onChange={(category_id) => onChange({ ...value, category_id })}
-              placeholder="Search categories"
-              emptyText="No matching category. Create it in Categories first."
+              onChange={(category_id) =>
+                onChange({ ...latest.current, category_id })
+              }
             />
           </dd>
         </div>
@@ -761,16 +775,31 @@ function CorrectionEditor({
               <Combobox
                 options={addable}
                 value=""
-                disabled={disabled || !addable.length}
+                disabled={disabled}
                 onChange={(id) =>
                   onChange({ ...value, tag_ids: [...value.tag_ids, id] })
                 }
-                placeholder={
-                  data.tags.length
-                    ? "Add tag"
-                    : "No tags yet — create them in Tags"
+                placeholder={data.tags.length ? "Add tag" : "Add or create tag"}
+                emptyText="No matching tag. Type a name to create it."
+                create={(text) =>
+                  data.tags.some(
+                    (t) => t.name.toLowerCase() === text.toLowerCase(),
+                  )
+                    ? []
+                    : [
+                        {
+                          key: "tag",
+                          label: `Create tag "${text}"`,
+                          run: async () => {
+                            const id = await createTag(mutate, data, text);
+                            onChange({
+                              ...latest.current,
+                              tag_ids: [...latest.current.tag_ids, id],
+                            });
+                          },
+                        },
+                      ]
                 }
-                emptyText="No matching tag. Create it in Tags first."
               />
             </div>
           </dd>

web/src/Overview.tsx

@@ -617,6 +617,8 @@ function WealthStrip({
             {money(total.positions, total.currency)} in positions across{" "}
             {positions} investment account
             {positions === 1 ? "" : "s"}
+            {total.assets !== "0.00" &&
+              ` · ${money(total.assets, total.currency)} in other assets`}
             {total.unpriced > 0 &&
               ` · ${total.unpriced} holding${total.unpriced === 1 ? "" : "s"} without a quote, excluded`}
             {failing > 0 &&

web/src/Registry.tsx

@@ -21,7 +21,7 @@ import type {
 } from "./api";
 import { categoryPath, request } from "./api";
 import {
-  CategoryOptions,
+  CategoryCombobox,
   Empty,
   ErrorMessage,
   Field,
@@ -550,17 +550,15 @@ function RegistryEditor({
                 </select>
               </Field>
               <Field label="Parent category">
-                <select
-                  value={parent}
-                  onChange={(e) => setParent(e.target.value)}
-                >
-                  <option value="">No parent (root)</option>
-                  <CategoryOptions
+                <CategoryCombobox
                   data={data}
                   kind={kind}
                   exclude={[...descendants]}
+                  emptyLabel="No parent (root)"
+                  mutate={mutate}
+                  value={parent}
+                  onChange={setParent}
                 />
-                </select>
               </Field>
               <p className="muted">
                 Changing the parent moves this category and its entire subtree.
@@ -590,15 +588,21 @@ function RegistryEditor({
                 Use these defaults when this merchant is recognized
               </label>
               <Field label="Default category">
-                <select
+                <CategoryCombobox
+                  data={data}
+                  leavesOnly
+                  emptyLabel="No default category"
+                  mutate={mutate}
                   value={category}
-                  onChange={(e) => setCategory(e.target.value)}
-                >
-                  <option value="">No default category</option>
-                  <CategoryOptions data={data} />
-                </select>
+                  onChange={setCategory}
+                />
               </Field>
-              <TagPicker data={data} value={tags} onChange={setTags} />
+              <TagPicker
+                data={data}
+                value={tags}
+                onChange={setTags}
+                mutate={mutate}
+              />
               <p className="muted">
                 Defaults are only used when explicitly enabled. Editing defaults
                 does not rewrite existing transactions.

web/src/Transactions.tsx

@@ -18,7 +18,7 @@ import type {
 } from "./api";
 import { categoryPath, money } from "./api";
 import {
-  CategoryOptions,
+  CategoryCombobox,
   Empty,
   ErrorMessage,
   Field,
@@ -41,6 +41,26 @@ const EVENTS: Record<string, string> = {
   corporate_action: "Corporate action",
   position_transfer: "Position transfer",
 };
+// Human labels for classification provenance sources; the filter options and
+// the Source column speak the same language. Both fallback shapes — the
+// import-time "unclassified" error record and the plain sign-based
+// "fallback" — read as Unclassified.
+const CLASSIFICATIONS: Record<string, string> = {
+  manual: "Manual",
+  openrouter: "AI",
+  rule: "Merchant rule",
+  transfer_match: "Transfer match",
+  fallback: "Unclassified",
+  unclassified: "Unclassified",
+};
+const CLASSIFICATION_FILTERS: [string, string][] = [
+  ["manual", "Manual"],
+  ["openrouter", "AI"],
+  ["rule", "Merchant rule"],
+  ["transfer_match", "Transfer match"],
+  ["unclassified", "Unclassified"],
+];
+
 // A corporate action or a position transfer moves shares between holdings and
 // settles no money at all, so its zero amount is a fact and not a gap.
 function positionOnly(investment?: Investment): boolean {
@@ -92,6 +112,7 @@ export function Transactions({
 }) {
   const [query, setQuery] = useState("");
   const [needsReview, setNeedsReview] = useState(false);
+  const [status, setStatus] = useState("");
   const [editing, setEditing] = useState<Transaction | null>(null);
   const [page, setPage] = useState(0);
   const filtered = useMemo(() => {
@@ -122,6 +143,12 @@ export function Transactions({
               (e.kind === "income"
                 ? "cat_income_unclassified"
                 : "cat_expenses_unclassified")) &&
+          (!status ||
+            (status === "unclassified"
+              ? ["fallback", "unclassified", ""].includes(
+                  e.classification.source || "",
+                )
+              : e.classification.source === status)) &&
           (!filter.tag_id || e.tag_ids.includes(filter.tag_id)) &&
           (!filter.merchant_id || e.merchant_id === filter.merchant_id) &&
           (!query ||
@@ -134,7 +161,7 @@ export function Transactions({
           b.facts.booking_date.localeCompare(a.facts.booking_date) ||
           a.facts.id.localeCompare(b.facts.id),
       );
-  }, [data, filter, query, needsReview]);
+  }, [data, filter, query, needsReview, status]);
   const currentPage = Math.min(
     page,
     Math.max(0, Math.ceil(filtered.length / 40) - 1),
@@ -181,6 +208,22 @@ export function Transactions({
             />
             Needs review
           </label>
+          <select
+            className="toolbar-select"
+            aria-label="Classification status"
+            value={status}
+            onChange={(e) => {
+              setStatus(e.target.value);
+              setPage(0);
+            }}
+          >
+            <option value="">All classifications</option>
+            {CLASSIFICATION_FILTERS.map(([value, label]) => (
+              <option key={value} value={value}>
+                {label}
+              </option>
+            ))}
+          </select>
           <span className="muted small">
             <SlidersHorizontal size={15} /> Click a transaction to edit
           </span>
@@ -284,7 +327,8 @@ export function Transactions({
                           </td>
                           <td>
                             <span className="badge neutral">
-                              {e.classification.source}
+                              {CLASSIFICATIONS[e.classification.source] ??
+                                e.classification.source}
                             </span>
                             {e.classification.error && (
                               <small className="text-danger">
@@ -453,16 +497,17 @@ function TransactionEditor({
           </div>
           {value.kind !== "transfer" && value.kind !== "investment" && (
             <Field label="Category">
-              <select
+              <CategoryCombobox
+                data={data}
+                kind={value.kind}
+                leavesOnly
                 required
+                mutate={mutate}
                 value={value.category_id || ""}
-                onChange={(e) =>
-                  setValue({ ...value, category_id: e.target.value })
+                onChange={(category_id) =>
+                  setValue((v) => ({ ...v, category_id }))
                 }
-              >
-                <option value="">Choose category</option>
-                <CategoryOptions data={data} kind={value.kind} />
-              </select>
+              />
             </Field>
           )}
           <TransferLink
@@ -474,7 +519,8 @@ function TransactionEditor({
           <TagPicker
             data={data}
             value={value.tag_ids}
-            onChange={(tag_ids) => setValue({ ...value, tag_ids })}
+            onChange={(tag_ids) => setValue((v) => ({ ...v, tag_ids }))}
+            mutate={mutate}
           />
           <details open>
             <summary>

web/src/Wealth.tsx

@@ -3,12 +3,30 @@ import {
   AlertTriangle,
   CandlestickChart,
   CheckCircle2,
+  Home,
   Landmark,
+  Pencil,
   PiggyBank,
+  Plus,
+  Trash2,
 } from "lucide-react";
-import type { QuoteResult, State, Wealth, WealthAccount } from "./api";
+import type {
+  QuoteResult,
+  State,
+  Wealth,
+  WealthAccount,
+  WealthAsset,
+} from "./api";
 import { money, request } from "./api";
-import { Empty, ErrorMessage } from "./ui";
+import {
+  DateField,
+  Empty,
+  ErrorMessage,
+  Field,
+  FormActions,
+  Modal,
+  type Mutate,
+} from "./ui";
 
 // The report is recomputed from the journal, so it is keyed on the revision and
 // never cached: it exists to be compared with a bank or broker's own screen.
@@ -17,9 +35,11 @@ import { Empty, ErrorMessage } from "./ui";
 export default function WealthPage({
   revision,
   acceptState,
+  mutate,
 }: {
   revision: string;
   acceptState: (state: State, message?: string) => void;
+  mutate: Mutate;
 }) {
   const [wealth, setWealth] = useState<Wealth | null>(null);
   const [error, setError] = useState("");
@@ -33,7 +53,7 @@ export default function WealthPage({
     setError("");
     request<Wealth>("/api/wealth", undefined, controller.signal)
       .then((value) => {
-        for (const key of ["accounts", "totals"] as const) {
+        for (const key of ["accounts", "assets", "totals"] as const) {
           if (!(key in value))
             throw new Error(`Wealth response is missing ${key}.`);
           if (value[key] === null) Object.assign(value, { [key]: [] });
@@ -181,8 +201,9 @@ export default function WealthPage({
                       Total wealth
                     </h3>
                     <p>
-                      Cash plus the market value of every priced holding, per
-                      currency, across all {wealth.accounts.length} account
+                      Cash, the market value of every priced holding, and your
+                      other assets, per currency, across all{" "}
+                      {wealth.accounts.length} account
                       {wealth.accounts.length === 1 ? "" : "s"}.
                     </p>
                   </div>
@@ -212,6 +233,14 @@ export default function WealthPage({
                         </strong>{" "}
                         in positions
                       </span>
+                      {total.assets !== "0.00" && (
+                        <span>
+                          <strong className="money">
+                            {money(total.assets, total.currency)}
+                          </strong>{" "}
+                          in other assets
+                        </span>
+                      )}
                       {total.unpriced > 0 && (
                         <span>
                           <strong>{total.unpriced}</strong> holding
@@ -224,6 +253,11 @@ export default function WealthPage({
                 </div>
               </section>
             )}
+            <AssetsPanel
+              assets={wealth.assets}
+              currency={wealth.totals[0]?.currency ?? "EUR"}
+              mutate={mutate}
+            />
             {wealth.accounts.length === 0 ? (
               <section className="panel">
                 <Empty title="No accounts to report on yet">
@@ -275,8 +309,11 @@ export default function WealthPage({
                     <dt>Completeness</dt>
                     <dd>
                       Cash equals the real balance only when the journal holds
-                      that account's full history: a broker export does, a
-                      date-windowed bank statement does not.
+                      that account&rsquo;s full history: a broker export does, a
+                      date-windowed bank statement does not. A connected bank
+                      account closes that gap with an anchor — the bank&rsquo;s
+                      own booked balance, captured once — from which the start
+                      balance before the recorded rows is derived.
                     </dd>
                   </div>
                 </dl>
@@ -476,3 +513,282 @@ function AccountReport({ account }: { account: WealthAccount }) {
     </section>
   );
 }
+// AssetsPanel lists the hand-valued possessions counted into the total above
+// and edits them in place: they live in the journal like any registry entity,
+// but this page is where their figure matters, so this page manages them.
+function AssetsPanel({
+  assets,
+  currency,
+  mutate,
+}: {
+  assets: WealthAsset[];
+  currency: string;
+  mutate: Mutate;
+}) {
+  const blank: WealthAsset = {
+    asset_id: "",
+    name: "",
+    kind: "",
+    currency,
+    value: "",
+    valued_at: new Date().toISOString().slice(0, 10),
+  };
+  const [editing, setEditing] = useState<WealthAsset | null>(null);
+  const [removing, setRemoving] = useState<WealthAsset | null>(null);
+  return (
+    <section className="panel">
+      <div className="panel-heading">
+        <div>
+          <h3>
+            <Home size={17} />
+            Other assets
+          </h3>
+          <p>
+            Possessions you value by hand — a house, a car, a private loan —
+            counted into the total above. A negative value records a liability
+            such as a mortgage.
+          </p>
+        </div>
+        <div className="row-actions">
+          <button
+            className="button secondary"
+            onClick={() => setEditing(blank)}
+          >
+            <Plus size={16} />
+            Add asset
+          </button>
+        </div>
+      </div>
+      {assets.length === 0 ? (
+        <Empty title="No assets recorded yet">
+          Anything without a market feed goes here at the value you state, and
+          it joins the wealth figure immediately.
+        </Empty>
+      ) : (
+        <div className="table-scroll">
+          <table>
+            <thead>
+              <tr>
+                <th>Asset</th>
+                <th>Kind</th>
+                <th className="numeric">Value</th>
+                <th>Valued on</th>
+                <th></th>
+              </tr>
+            </thead>
+            <tbody>
+              {assets.map((asset) => (
+                <tr key={asset.asset_id}>
+                  <td>{asset.name}</td>
+                  <td className="muted">{asset.kind || "—"}</td>
+                  <td
+                    className={`numeric money ${asset.value.startsWith("-") ? "text-danger" : ""}`}
+                  >
+                    {money(asset.value, asset.currency)}
+                  </td>
+                  <td className="muted">{asset.valued_at}</td>
+                  <td>
+                    <div className="row-actions">
+                      <button
+                        className="icon-button"
+                        aria-label={`Edit ${asset.name}`}
+                        onClick={() => setEditing(asset)}
+                      >
+                        <Pencil size={16} />
+                      </button>
+                      <button
+                        className="icon-button danger"
+                        aria-label={`Delete ${asset.name}`}
+                        onClick={() => setRemoving(asset)}
+                      >
+                        <Trash2 size={16} />
+                      </button>
+                    </div>
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+          <p className="hint">
+            A value is what you state it is, dated so a stale estimate is
+            visible. Re-edit an asset when its worth changes.
+          </p>
+        </div>
+      )}
+      {editing && (
+        <AssetEditor
+          asset={editing}
+          mutate={mutate}
+          close={() => setEditing(null)}
+        />
+      )}
+      {removing && (
+        <DeleteAsset
+          asset={removing}
+          mutate={mutate}
+          close={() => setRemoving(null)}
+        />
+      )}
+    </section>
+  );
+}
+function AssetEditor({
+  asset,
+  mutate,
+  close,
+}: {
+  asset: WealthAsset;
+  mutate: Mutate;
+  close: () => void;
+}) {
+  const [name, setName] = useState(asset.name);
+  const [kind, setKind] = useState(asset.kind || "");
+  const [currency, setCurrency] = useState(asset.currency);
+  const [value, setValue] = useState(asset.value);
+  const [valuedAt, setValuedAt] = useState(asset.valued_at);
+  const [error, setError] = useState("");
+  const [busy, setBusy] = useState(false);
+  return (
+    <Modal title={asset.asset_id ? "Edit asset" : "New asset"} close={close}>
+      <form
+        onSubmit={async (e) => {
+          e.preventDefault();
+          setBusy(true);
+          setError("");
+          try {
+            await mutate(
+              "/api/assets",
+              {
+                asset: {
+                  id: asset.asset_id,
+                  name: name.trim(),
+                  kind: kind.trim(),
+                  currency: currency.toUpperCase(),
+                  value: value.trim(),
+                  valued_at: valuedAt,
+                },
+              },
+              `${name.trim()} saved`,
+            );
+            close();
+          } catch (err) {
+            setError(err instanceof Error ? err.message : String(err));
+          } finally {
+            setBusy(false);
+          }
+        }}
+      >
+        <div className="form-body">
+          <ErrorMessage error={error} />
+          <Field label="Name">
+            <input
+              required
+              maxLength={200}
+              value={name}
+              onChange={(e) => setName(e.target.value)}
+              autoFocus
+              placeholder="Family home"
+            />
+          </Field>
+          <Field label="Kind" hint="Free text: Real estate, Vehicle, Loan…">
+            <input
+              maxLength={100}
+              value={kind}
+              onChange={(e) => setKind(e.target.value)}
+              placeholder="Real estate"
+            />
+          </Field>
+          <Field
+            label="Value"
+            hint="Your own estimate. A negative value records a liability such as a mortgage."
+          >
+            <input
+              required
+              inputMode="decimal"
+              pattern="-?\d+([.,]\d{1,4})?"
+              title="A decimal amount with up to four decimal places"
+              value={value}
+              onChange={(e) => setValue(e.target.value.replace(",", "."))}
+              placeholder="250000"
+            />
+          </Field>
+          <Field label="Currency">
+            <input
+              required
+              maxLength={3}
+              pattern="[A-Za-z]{3}"
+              title="Three-letter currency code"
+              value={currency}
+              onChange={(e) => setCurrency(e.target.value.toUpperCase())}
+            />
+          </Field>
+          <DateField
+            label="Valued on"
+            value={valuedAt}
+            onChange={setValuedAt}
+            hint="The day this estimate was made, so a stale figure is visible."
+          />
+        </div>
+        <FormActions
+          busy={busy}
+          close={close}
+          label={asset.asset_id ? "Save changes" : "Add asset"}
+        />
+      </form>
+    </Modal>
+  );
+}
+function DeleteAsset({
+  asset,
+  mutate,
+  close,
+}: {
+  asset: WealthAsset;
+  mutate: Mutate;
+  close: () => void;
+}) {
+  const [confirm, setConfirm] = useState(false);
+  const [busy, setBusy] = useState(false);
+  const [error, setError] = useState("");
+  return (
+    <Modal title={`Delete ${asset.name}?`} close={close}>
+      <form
+        onSubmit={async (e) => {
+          e.preventDefault();
+          setBusy(true);
+          setError("");
+          try {
+            await mutate(
+              "/api/manage",
+              { entity: "asset", action: "delete", id: asset.asset_id },
+              "Asset deleted",
+            );
+            close();
+          } catch (err) {
+            setError(err instanceof Error ? err.message : String(err));
+          } finally {
+            setBusy(false);
+          }
+        }}
+      >
+        <div className="form-body">
+          <ErrorMessage error={error} />
+          <p>
+            Its {money(asset.value, asset.currency)} leaves the wealth figure
+            immediately. Nothing else references an asset.
+          </p>
+          <label className="checkbox">
+            <input
+              required
+              type="checkbox"
+              checked={confirm}
+              onChange={(e) => setConfirm(e.target.checked)}
+            />
+            Permanently delete this asset.
+          </label>
+        </div>
+        <FormActions busy={busy} close={close} label="Delete asset" />
+      </form>
+    </Modal>
+  );
+}

web/src/api.ts

@@ -11,6 +11,11 @@ export interface Account {
   // against: a broker export carries no counterparty, so its deposits and
   // withdrawals pair with the funding account through this IBAN.
   reference_iban?: string;
+  // anchor_balance is the bank's booked balance on anchor_date, captured once
+  // from open banking after a sync. It fixes the start balance of a
+  // date-windowed history; clearing both lets the next sync re-anchor.
+  anchor_balance?: string;
+  anchor_date?: string;
   active: boolean;
 }
 // Instrument is a security held in an investment account. The ISIN is the
@@ -27,6 +32,17 @@ export interface Instrument {
   quote?: string;
   quoted_at?: string;
 }
+// Asset is a possession valued by hand: a house, a car, anything without a
+// market feed. value is what the owner states it is worth and valued_at the
+// day that estimate was made. A negative value records a liability.
+export interface Asset {
+  id: string;
+  name: string;
+  kind?: string;
+  currency: string;
+  value: string;
+  valued_at: string;
+}
 // Investment is the broker-native leg of a fact. Cash movement always stays in
 // Facts.amount, so a position-only event carries a zero amount. Quantity is an
 // exact signed decimal, not money: negative removes from the holding.
@@ -107,6 +123,7 @@ export interface Dataset {
   tags: Tag[];
   merchants: Merchant[];
   instruments: Instrument[];
+  assets: Asset[];
   transactions: Transaction[];
 }
 export interface Connection {
@@ -384,13 +401,27 @@ export interface WealthTotal {
   currency: string;
   cash: string;
   positions: string;
+  // assets is the stated value of every hand-valued asset in this currency,
+  // and wealth is cash, positions and assets together.
+  assets: string;
   wealth: string;
   unpriced: number;
 }
+// WealthAsset is one hand-valued asset as the journal records it: the value is
+// stated, never quoted, and carries the day it was stated.
+export interface WealthAsset {
+  asset_id: string;
+  name: string;
+  kind?: string;
+  currency: string;
+  value: string;
+  valued_at: string;
+}
 // Wealth is a reconciliation report computed from the journal rather than the
 // analytics index, so it can be checked against a bank or broker's own screen.
 export interface Wealth {
   accounts: WealthAccount[];
+  assets: WealthAsset[];
   totals: WealthTotal[];
 }
 export class APIError extends Error {
@@ -461,6 +492,7 @@ export function normalizeState(state: State): State {
     "tags",
     "merchants",
     "instruments",
+    "assets",
     "transactions",
   ] as const) {
     if (!(key in state.data))

web/src/main.tsx

@@ -136,13 +136,12 @@ function App() {
       "/api/rebuild",
     ].includes(path);
     try {
-      acceptState(
-        await request<State>(
+      const next = await request<State>(
         path,
         revisionless ? body : { revision: state.revision, ...body },
-        ),
-        message,
       );
+      acceptState(next, message);
+      return next;
     } catch (err) {
       if (err instanceof APIError && err.status === 409) setConflict(true);
       throw err;
@@ -352,7 +351,6 @@ function App() {
               )}
               {page === "transactions" && (
                 <Transactions
-                  key={state.revision}
                   data={state.data}
                   filter={filter}
                   setFilter={setFilter}
@@ -361,7 +359,6 @@ function App() {
               )}
               {page === "categories" && (
                 <Registry
-                  key={`categories-${state.revision}`}
                   entity="category"
                   data={state.data}
                   mutate={mutate}
@@ -371,24 +368,13 @@ function App() {
                 />
               )}
               {page === "tags" && (
-                <Registry
-                  key={`tags-${state.revision}`}
-                  entity="tag"
-                  data={state.data}
-                  mutate={mutate}
-                />
+                <Registry entity="tag" data={state.data} mutate={mutate} />
               )}
               {page === "merchants" && (
-                <Registry
-                  key={`merchants-${state.revision}`}
-                  entity="merchant"
-                  data={state.data}
-                  mutate={mutate}
-                />
+                <Registry entity="merchant" data={state.data} mutate={mutate} />
               )}
               {page === "instruments" && (
                 <Registry
-                  key={`instruments-${state.revision}`}
                   entity="instrument"
                   data={state.data}
                   mutate={mutate}
@@ -402,10 +388,18 @@ function App() {
                 />
               )}
               {page === "wealth" && (
-                <Wealth revision={state.revision} acceptState={acceptState} />
+                <Wealth
+                  revision={state.revision}
+                  acceptState={acceptState}
+                  mutate={mutate}
+                />
               )}
               {page === "classification" && (
-                <Classification state={state} acceptState={acceptState} />
+                <Classification
+                  state={state}
+                  acceptState={acceptState}
+                  mutate={mutate}
+                />
               )}
               {page === "settings" && (
                 <Settings

web/src/styles.css

@@ -744,6 +744,16 @@ main {
 .search input::placeholder {
   color: #9aa6b3;
 }
+.toolbar-select {
+  height: 35px;
+  font-size: 11px;
+  padding: 0 9px;
+  border: 1px solid #dbe2ea;
+  border-radius: 5px;
+  background: #fff;
+  color: #46596a;
+  flex-shrink: 0;
+}
 .table-scroll {
   overflow-x: auto;
 }
@@ -966,6 +976,23 @@ tbody tr:hover {
   color: #546779;
   padding: 0 5px;
 }
+/* Inline tag creation inside the picker: a small input plus one button, so a
+   missing tag never forces a detour through the Tags page. */
+.tag-add {
+  display: inline-flex;
+  align-items: center;
+  gap: 5px;
+}
+.tag-add input {
+  width: 140px;
+  padding: 6px 9px;
+  font-size: 12px;
+}
+.tag-add-error {
+  flex-basis: 100%;
+  color: var(--danger);
+  font-size: 12px;
+}
 .check-chip {
   display: inline-flex;
   align-items: center;
@@ -1640,6 +1667,15 @@ footer span:first-child {
     width: 238px;
     transition: transform 0.2s;
   }
+  /* With the classification select beside the review toggle, the search
+     would shrink to a sliver on phones; give it its own full-width row. */
+  .panel-toolbar {
+    flex-wrap: wrap;
+  }
+  .search {
+    flex-basis: 100%;
+    max-width: none;
+  }
   .sidebar.open {
     transform: translateX(0);
   }
@@ -2059,6 +2095,7 @@ footer span:first-child {
   color: inherit;
 }
 .combo-option:hover,
+.combo-option.active,
 .combo-option[aria-selected="true"] {
   background: #f0f7f4;
 }
@@ -2075,6 +2112,17 @@ footer span:first-child {
   color: var(--muted);
   font-size: 12px;
 }
+.combo-option.create {
+  color: var(--emerald);
+  font-weight: 600;
+}
+.combo-option.create svg {
+  width: 14px;
+  height: 14px;
+}
+.combo-empty.error {
+  color: var(--danger);
+}
 /* The proposed side of a review row is editable in place: compact combobox
    inputs so a correction fits the diff card, removable chips for tags. */
 .diff-value .combo > input {
@@ -2627,3 +2675,9 @@ footer span:first-child {
     font-size: 10px;
   }
 }
+.anchor-row {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 8px;
+}

web/src/ui.tsx

@@ -7,8 +7,9 @@ import {
   CalendarDays,
   ChevronLeft,
   ChevronRight,
+  Plus,
 } from "lucide-react";
-import type { Dataset, Filter, VerifiedModel } from "./api";
+import type { Category, Dataset, Filter, State, VerifiedModel } from "./api";
 import {
   categoryPath,
   DEFAULT_MONTHS,
@@ -103,6 +104,14 @@ export interface ComboOption {
   label: string;
   icon?: ReactNode;
 }
+// ComboCreate is one "create it now" row a Combobox offers when the typed
+// text matches nothing: running it is expected to persist the new entity and
+// select it through the caller's own onChange.
+export interface ComboCreate {
+  key: string;
+  label: string;
+  run: () => Promise<void> | void;
+}
 // Combobox is a free-text input that autocompletes against a fixed option
 // list: typing filters by label, Enter takes the exact or only match, and
 // picking an option reports its value. The caller keeps working with stable
@@ -116,6 +125,7 @@ export function Combobox({
   required = false,
   adornment,
   emptyText = "No matches.",
+  create,
 }: {
   options: ComboOption[];
   value: string;
@@ -125,9 +135,16 @@ export function Combobox({
   required?: boolean;
   adornment?: ReactNode;
   emptyText?: string;
+  create?: (text: string) => ComboCreate[];
 }) {
+  const [creating, setCreating] = useState(false);
+  const [createError, setCreateError] = useState("");
   const [open, setOpen] = useState(false);
   const [query, setQuery] = useState("");
+  // Index into the interactive rows (matches first, then create rows); -1
+  // means no row is armed and Enter falls back to exact/single-match logic.
+  const [active, setActive] = useState(-1);
+  const listID = useId();
   const filter = query.trim().toLowerCase();
   const matches = options.filter((o) => o.label.toLowerCase().includes(filter));
   const exact = filter
@@ -137,10 +154,38 @@ export function Combobox({
     ? [exact, ...matches.filter((o) => o !== exact).slice(0, 59)]
     : matches.slice(0, 60);
   const selected = options.find((o) => o.value === value);
+  const creations =
+    create && filter && !exact && !disabled ? create(query.trim()) : [];
+  const total = shown.length + creations.length;
+  const cursor = active < total ? active : -1;
+  // The dropdown scrolls at 264px; keep the armed row visible while
+  // arrowing through a long category list.
+  useEffect(() => {
+    if (cursor < 0) return;
+    document
+      .getElementById(`${listID}-${cursor}`)
+      ?.scrollIntoView({ block: "nearest" });
+  }, [cursor, listID]);
   const pick = (v: string) => {
     onChange(v);
     setOpen(false);
   };
+  const runCreate = async (c: ComboCreate) => {
+    if (creating) return;
+    setCreating(true);
+    setCreateError("");
+    try {
+      await c.run();
+      setOpen(false);
+    } catch (err) {
+      setCreateError(err instanceof Error ? err.message : String(err));
+      // A blur may have closed the list mid-flight; a failure must never
+      // land invisibly.
+      setOpen(true);
+    } finally {
+      setCreating(false);
+    }
+  };
   return (
     <div className="combo">
       <input
@@ -148,24 +193,52 @@ export function Combobox({
         role="combobox"
         aria-expanded={open}
         aria-autocomplete="list"
+        aria-controls={open ? listID : undefined}
+        aria-activedescendant={
+          open && cursor >= 0 ? `${listID}-${cursor}` : undefined
+        }
         disabled={disabled}
         value={open ? query : (selected?.label ?? value)}
         placeholder={placeholder}
         onFocus={() => {
           setQuery("");
+          setActive(-1);
           setOpen(true);
         }}
         onChange={(e) => {
           setQuery(e.target.value);
+          setCreateError("");
+          setActive(-1);
           setOpen(true);
         }}
-        onBlur={() => setOpen(false)}
+        onBlur={() => {
+          // A blur during an in-flight create keeps the list mounted so the
+          // outcome (or the error row) stays visible.
+          if (!creating) setOpen(false);
+        }}
         onKeyDown={(e) => {
           if (e.key === "Escape") setOpen(false);
+          if ((e.key === "ArrowDown" || e.key === "ArrowUp") && open && total) {
+            e.preventDefault();
+            setActive(
+              e.key === "ArrowDown"
+                ? (cursor + 1) % total
+                : (cursor <= 0 ? total : cursor) - 1,
+            );
+          }
           if (e.key === "Enter" && open) {
             e.preventDefault();
+            if (cursor >= 0 && cursor < shown.length) pick(shown[cursor].value);
+            else if (cursor >= shown.length)
+              void runCreate(creations[cursor - shown.length]);
+            else {
               const hit = exact ?? (shown.length === 1 ? shown[0] : undefined);
               if (hit) pick(hit.value);
+              // Without an armed row, Enter creates only when nothing
+              // matches at all: minting from a half-typed name is too easy.
+              else if (!shown.length && creations.length === 1)
+                void runCreate(creations[0]);
+            }
           }
         }}
       />
@@ -173,14 +246,18 @@ export function Combobox({
         <span className="combo-adornment">{adornment}</span>
       )}
       {open && (
-        <ul className="combo-options" role="listbox">
-          {shown.map((o) => (
+        <ul className="combo-options" role="listbox" id={listID}>
+          {shown.map((o, i) => (
             <li key={o.value}>
               <button
                 type="button"
-                className="combo-option"
+                id={`${listID}-${i}`}
+                className={
+                  i === cursor ? "combo-option active" : "combo-option"
+                }
                 role="option"
                 aria-selected={o.value === value}
+                disabled={creating}
                 onMouseDown={(e) => e.preventDefault()}
                 onClick={() => pick(o.value)}
               >
@@ -189,7 +266,35 @@ export function Combobox({
               </button>
             </li>
           ))}
-          {shown.length === 0 && <li className="combo-empty">{emptyText}</li>}
+          {creations.map((c, i) => (
+            <li key={c.key}>
+              <button
+                type="button"
+                id={`${listID}-${shown.length + i}`}
+                className={
+                  shown.length + i === cursor
+                    ? "combo-option create active"
+                    : "combo-option create"
+                }
+                role="option"
+                aria-selected={false}
+                disabled={creating}
+                onMouseDown={(e) => e.preventDefault()}
+                onClick={() => void runCreate(c)}
+              >
+                <Plus size={14} />
+                <span>{creating ? "Creating…" : c.label}</span>
+              </button>
+            </li>
+          ))}
+          {createError && (
+            <li className="combo-empty error" role="alert">
+              {createError}
+            </li>
+          )}
+          {shown.length === 0 && creations.length === 0 && !createError && (
+            <li className="combo-empty">{emptyText}</li>
+          )}
           {matches.length > shown.length && (
             <li className="combo-empty">
               {matches.length - shown.length} more — keep typing to narrow down.
@@ -461,20 +566,95 @@ export function Empty({
     </div>
   );
 }
+// createTag persists a new tag and returns its server-minted id, found by
+// diffing the returned state against the dataset the caller rendered with.
+export async function createTag(
+  mutate: Mutate,
+  data: Dataset,
+  name: string,
+): Promise<string> {
+  if (name.length > 200)
+    throw new Error("Tag names are limited to 200 characters.");
+  const next = await mutate(
+    "/api/tags",
+    { tag: { id: "", name, hint: "" } },
+    `Tag "${name}" created`,
+  );
+  const created = next.data.tags.find(
+    (t) => !data.tags.some((o) => o.id === t.id),
+  );
+  if (!created)
+    throw new Error(`The server did not return the new tag "${name}".`);
+  return created.id;
+}
+export async function createCategory(
+  mutate: Mutate,
+  data: Dataset,
+  category: { name: string; parent_id: string; kind: string },
+): Promise<string> {
+  if (category.name.length > 200)
+    throw new Error("Category names are limited to 200 characters.");
+  const next = await mutate(
+    "/api/categories",
+    { category: { id: "", hint: "", ...category } },
+    `Category "${category.name}" created`,
+  );
+  const created = next.data.categories.find(
+    (c) => !data.categories.some((o) => o.id === c.id),
+  );
+  if (!created)
+    throw new Error(
+      `The server did not return the new category "${category.name}".`,
+    );
+  return created.id;
+}
 export function TagPicker({
   data,
   value,
   onChange,
+  mutate,
 }: {
   data: Dataset;
   value: string[];
   onChange: (ids: string[]) => void;
+  mutate?: Mutate;
 }) {
+  const [draft, setDraft] = useState("");
+  const [busy, setBusy] = useState(false);
+  const [error, setError] = useState("");
+  // The async add resolves against the freshest selection, not the one
+  // captured at click time: a checkbox toggled during the server round trip
+  // must survive the create landing.
+  const latest = useRef(value);
+  latest.current = value;
+  const add = async () => {
+    const name = draft.trim();
+    if (!name || busy || !mutate) return;
+    // An existing tag of the same name is checked instead of duplicated.
+    const existing = data.tags.find(
+      (t) => t.name.toLowerCase() === name.toLowerCase(),
+    );
+    if (existing) {
+      if (!value.includes(existing.id)) onChange([...value, existing.id]);
+      setDraft("");
+      return;
+    }
+    setBusy(true);
+    setError("");
+    try {
+      const id = await createTag(mutate, data, name);
+      onChange([...latest.current, id]);
+      setDraft("");
+    } catch (err) {
+      setError(err instanceof Error ? err.message : String(err));
+    } finally {
+      setBusy(false);
+    }
+  };
   return (
     <fieldset className="tag-picker">
       <legend>Tags</legend>
-      {data.tags.length ? (
-        data.tags.map((tag) => (
+      {data.tags.map((tag) => (
         <label className="check-chip" key={tag.id}>
           <input
             type="checkbox"
@@ -489,10 +669,41 @@ export function TagPicker({
           />
           {tag.name}
         </label>
-        ))
-      ) : (
+      ))}
+      {!data.tags.length && !mutate && (
         <small>No tags yet. Create them in Tags.</small>
       )}
+      {mutate && (
+        <span className="tag-add">
+          <input
+            value={draft}
+            maxLength={200}
+            placeholder="New tag"
+            aria-label="New tag name"
+            disabled={busy}
+            onChange={(e) => {
+              setDraft(e.target.value);
+              setError("");
+            }}
+            onKeyDown={(e) => {
+              if (e.key === "Enter") {
+                e.preventDefault();
+                void add();
+              }
+            }}
+          />
+          <button
+            type="button"
+            className="icon-button"
+            aria-label="Create tag"
+            disabled={busy || !draft.trim()}
+            onClick={() => void add()}
+          >
+            <Plus size={15} />
+          </button>
+        </span>
+      )}
+      {error && <small className="tag-add-error">{error}</small>}
     </fieldset>
   );
 }
@@ -517,6 +728,98 @@ export function CategoryOptions({
     </>
   );
 }
+// CategoryCombobox is the one category picker: options are full paths, and
+// with a mutate handle an unmatched name can be created in place. A bare name
+// lands under the kind's root; "Parent / Name" creates under that parent.
+// leavesOnly matches the server rule that assigned categories must be leaves;
+// a freshly created category is always a leaf.
+export function CategoryCombobox({
+  data,
+  value,
+  onChange,
+  mutate,
+  kind,
+  leavesOnly = false,
+  exclude = [],
+  emptyLabel,
+  required = false,
+  disabled = false,
+  placeholder = "Search categories",
+}: {
+  data: Dataset;
+  value: string;
+  onChange: (id: string) => void;
+  mutate?: Mutate;
+  kind?: string;
+  leavesOnly?: boolean;
+  exclude?: string[];
+  emptyLabel?: string;
+  required?: boolean;
+  disabled?: boolean;
+  placeholder?: string;
+}) {
+  const parents = new Set(
+    data.categories.map((c) => c.parent_id).filter(Boolean),
+  );
+  const eligible = (c: Category) =>
+    (!kind || c.kind === kind) && !exclude.includes(c.id);
+  const options: ComboOption[] = data.categories
+    .filter((c) => eligible(c) && (!leavesOnly || !parents.has(c.id)))
+    .map((c) => ({ value: c.id, label: categoryPath(data, c.id) }));
+  if (emptyLabel) options.unshift({ value: "", label: emptyLabel });
+  const pathOf = (id: string) => categoryPath(data, id).toLowerCase();
+  const taken = (parentID: string, name: string) => {
+    const full = `${parentID ? pathOf(parentID) + " / " : ""}${name.toLowerCase()}`;
+    return data.categories.some((c) => pathOf(c.id) === full);
+  };
+  const create = (text: string): ComboCreate[] => {
+    if (!mutate) return [];
+    const segments = text
+      .split("/")
+      .map((s) => s.trim())
+      .filter(Boolean);
+    if (!segments.length) return [];
+    const name = segments[segments.length - 1];
+    const row = (parent: Category): ComboCreate => ({
+      key: parent.id,
+      label: `Create "${name}" in ${categoryPath(data, parent.id)}`,
+      run: async () =>
+        onChange(
+          await createCategory(mutate, data, {
+            name,
+            parent_id: parent.id,
+            kind: parent.kind,
+          }),
+        ),
+    });
+    if (segments.length > 1) {
+      const prefix = segments.slice(0, -1).join(" / ").toLowerCase();
+      const parent = data.categories.find(
+        (c) => eligible(c) && pathOf(c.id) === prefix,
+      );
+      return parent && !taken(parent.id, name) ? [row(parent)] : [];
+    }
+    return data.categories
+      .filter((c) => !c.parent_id && eligible(c) && !taken(c.id, name))
+      .map(row);
+  };
+  return (
+    <Combobox
+      options={options}
+      value={value}
+      onChange={onChange}
+      required={required}
+      disabled={disabled}
+      placeholder={placeholder}
+      emptyText={
+        mutate
+          ? "No matching category. Type a name to create it."
+          : "No matching category."
+      }
+      create={create}
+    />
+  );
+}
 export function Filters({
   data,
   value,
@@ -680,8 +983,10 @@ export function FormActions({
     </div>
   );
 }
+// Mutate posts a revisioned change and returns the accepted state, so a
+// caller can find ids the server just minted.
 export type Mutate = (
   path: string,
   body: Record<string, unknown>,
   message?: string,
-) => Promise<void>;
+) => Promise<State>;