Lars Nolden
cc43a2f9a7
A real Scalable export reinvests a distribution as -29,579989728, and the import refused the whole file: "broker record 14 has an invalid amount, require signed 64-bit value with at most eight fractional digits". An amount is the row's share count times its price, so it carries as many decimal places as the two columns together need - nine here, from six places of shares and three of price - and scalableMoney was computing its discarded remainder by parsing the cell through the share-count parser, whose ceiling is eight. The leaked wording "invalid quantity" for an amount cell was the tell. Money cells are now read at arbitrary precision, rounded to money's four places half away from zero, and the residue is accumulated exactly and reported as a trimmed decimal. ScalableImport.Rounding stops being a domain.Quantity, which carried the same eight-place ceiling, and becomes the exact decimal string it always claimed to be; the JSON shape and the review copy are unchanged. Share counts and prices are still refused beyond their own precision instead of rounded. Rounding a share count misstates a holding, and rounding a price would break the shares-times-price identity that every security row's amount is checked against. The reported row is now covered end to end: both legs of that distribution, the single reference the broker reuses across them surviving deduplication, the exact 0.000010272 residue, and the dividend paid in cancelling to the cent against the units bought with it.
294 lines
14 KiB
Go
294 lines
14 KiB
Go
package banking
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import (
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"strings"
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"testing"
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"finance-duck/internal/domain"
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)
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const scalableHeader = "date;time;status;reference;description;assetType;type;isin;shares;price;amount;fee;tax;currency\n"
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// Every row below is a real Scalable Capital export line. Together they cover
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// all ten row types, both sign conventions, a reference shared by two legs of
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// one event, a six-decimal reinvestment, a zero-price corporate action, a
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// depot switch, a cancelled retry, and one ISIN whose description changes over
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// time and whose latest description is the one that names it.
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var scalableRows = []string{
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`2024-11-10;02:00:00;Executed;ABCDEF012345;Scalable Instant Cash Deposit;Cash;Deposit;;;;800,00;;;EUR`,
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`2026-08-18;02:00:00;Executed;ITLLRRVPRK11ZGNPAD2VNC;Scalable Broker PRIME bis 16.09.2026;Cash;Deposit;;;;4,99;0,00;;EUR`,
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`2026-08-18;02:00:00;Executed;LZLVVJYLNJY9ARAK;Entgelt PRIME+ Broker;Cash;Fee;;;;-4,99;0,00;;EUR`,
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`2026-07-16;14:19:06;Executed;O9HNT63GYQVUNPXEXQMSCJ;Scalable Capital Broker Auszahlung;Cash;Withdrawal;;;;-4.458,19;0,00;0,00;EUR`,
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`2026-01-02;01:00:00;Executed;INTEREST0001;Zinsen;Cash;Interest;;;;12,34;;1,23;EUR`,
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`2026-01-20;01:00:00;Executed;429776_rrCjP4EcbpefpNiVQeD495;Taiwan Semiconductor Manufact. ADR;Cash;Distribution;US8740391003;;;29,68;0,00;7,43;EUR`,
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`2026-01-20;01:00:00;Executed;429776_rrCjP4EcbpefpNiVQeD495;Taiwan Semiconductor Manufact. ADR;Security;Reinvestment_Distribution;US8740391003;0,076494;388,00;-29,679672;0,00;0,00;EUR`,
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`2025-05-07;09:02:29;Executed;SCALTThBbxx6z5Z;Rheinmetall Long 10x Faktor-Zertifikat HVB;Security;Buy;DE000UG4V0Z7;14;26,45;-370,30;0,00;0,00;EUR`,
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`2025-09-17;15:14:49;Executed;SCALwBaNVPpjf8p;Rheinmetall Long 10x Factor HVB;Security;Buy;DE000UG4V0Z7;203;1,23;-249,69;0,99;0,00;EUR`,
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`2025-09-18;13:38:08;Executed;SCALSVuyHibZT4w;Rheinmetall Long 10x Factor HVB;Security;Buy;DE000UG4V0Z7;6;1,10;-6,60;0,99;0,00;EUR`,
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`2025-10-28;01:00:00;Executed;48231_rrCjP4EcbpefpNiVQeD495;Rheinmetall Long 10x Factor HVB;Cash;Distribution;DE000UG4V0Z7;;;32,64;;-1,42;EUR`,
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`2025-10-28;01:00:00;Executed;48231_rrCjP4EcbpefpNiVQeD495;Rheinmetall Long 10x Factor HVB;Security;Corporate action;DE000UG4V0Z7;-223;0,14;-31,22;;;EUR`,
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`2025-10-21;02:00:00;Executed;WWUM 00566579567;FR0014012ZX8;Security;Corporate action;FR0014012ZX8;1,14;0,00;0,00;;;EUR`,
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`2025-12-05;01:00:00;Executed;WWUM 00590038089;Amundi MSCI USA Daily (2x) Leveraged (Acc);Security;Security transfer;FR0010755611;-65;25,235;-1.640,275;;;EUR`,
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`2025-12-06;01:00:00;Executed;SWITCH-101-rrCjP4EcbpefpNiVQeD495-FR0010755611-WDP;Amundi MSCI USA Daily (2x) Leveraged (Acc);Security;Security transfer;FR0010755611;65;25,59;1.663,35;;;EUR`,
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`2026-03-17;01:00:00;Executed;SCALmNYgdoA58V;Amundi Core MSCI World (Acc);Security;Sell;IE000BI8OT95;61;158,385;9.661,485;0,00;220,47;EUR`,
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`2025-01-27;16:26:31;Cancelled;SCALCRFHbTWXN9h;Amundi Leveraged MSCI USA Daily (Acc);Security;Buy;FR0010755611;0;0,00;0,00;0,00;0,00;EUR`,
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}
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func brokerAccount() domain.Account {
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return domain.Account{
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ID: "acct_broker", DisplayName: "Scalable", Institution: "Scalable Capital",
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Currency: "EUR", Kind: domain.AccountInvestment,
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IBAN: "DE02120300000000202051", ReferenceIBAN: "DE89370400440532013000", Active: true,
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}
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}
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func readBroker(t *testing.T, rows ...string) ScalableImport {
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t.Helper()
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file, err := ReadCSV(strings.NewReader(scalableHeader + strings.Join(rows, "\n") + "\n"))
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if err != nil {
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t.Fatal(err)
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}
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result, err := ParseScalableCSV(file, brokerAccount(), nil)
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if err != nil {
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t.Fatal(err)
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}
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return result
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}
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func TestScalableExportSettlesCashAndPositionsSeparately(t *testing.T) {
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result := readBroker(t, scalableRows...)
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if result.Cancelled != 1 {
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t.Fatalf("cancelled rows imported: %d skipped", result.Cancelled)
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}
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if len(result.Facts) != len(scalableRows)-1 {
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t.Fatalf("imported %d of %d executed rows", len(result.Facts), len(scalableRows)-1)
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}
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// The cash a row settles, per row class. A cash row's amount is already
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// net; a trade settles gross minus fee minus tax; a corporate action or
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// depot transfer settles nothing at all.
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wantCash := map[string]string{
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"ABCDEF012345": "800.00",
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"ITLLRRVPRK11ZGNPAD2VNC": "4.99",
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"LZLVVJYLNJY9ARAK": "-4.99",
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"O9HNT63GYQVUNPXEXQMSCJ": "-4458.19",
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"INTEREST0001": "12.34",
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"SCALTThBbxx6z5Z": "-370.30",
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"SCALwBaNVPpjf8p": "-250.68",
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"SCALSVuyHibZT4w": "-7.59",
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"WWUM 00566579567": "0.00",
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"WWUM 00590038089": "0.00",
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"SWITCH-101-rrCjP4EcbpefpNiVQeD495-FR0010755611-WDP": "0.00",
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"SCALmNYgdoA58V": "9441.015",
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}
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total := int64(0)
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for _, f := range result.Facts {
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minor, err := f.Amount.Minor()
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if err != nil {
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t.Fatal(err)
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}
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total += minor
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if want, ok := wantCash[f.ExternalID]; ok && string(f.Amount) != want {
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t.Errorf("%s settled %s, want %s", f.ExternalID, f.Amount, want)
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}
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}
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if got := string(domain.FormatMoney(total)); got != "5199.2353" {
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t.Errorf("cash balance %s, want 5199.2353", got)
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}
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// Signs: a buy and a reinvestment add, a sell removes, and a corporate
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// action or depot transfer keeps the sign the export printed.
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holdings := map[string]int64{}
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for _, f := range result.Facts {
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if f.Investment.InstrumentID == "" || f.Investment.Quantity == "" {
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continue
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}
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units, err := f.Investment.Quantity.Units()
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if err != nil {
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t.Fatal(err)
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}
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holdings[f.Investment.InstrumentID] += units
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}
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for isin, want := range map[string]int64{
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"DE000UG4V0Z7": 0, // 14 + 203 + 6 - 223, the knock-out closing the position
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"FR0010755611": 0, // a depot switch out and back
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"FR0014012ZX8": 114000000, // 1.14 free units at no price
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"US8740391003": 7649400, // 0.076494 reinvested
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"IE000BI8OT95": -6100000000,
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} {
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if got := holdings[domain.InstrumentID(isin)]; got != want {
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t.Errorf("%s holds %d hundred-millionths, want %d", isin, got, want)
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}
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}
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// One ISIN, several descriptions over the years, and one row that carries
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// the ISIN as its own description.
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names := map[string]string{}
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for _, v := range result.Instruments {
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names[v.ISIN] = v.Name
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}
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for isin, want := range map[string]string{
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"DE000UG4V0Z7": "Rheinmetall Long 10x Factor HVB",
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"FR0014012ZX8": "FR0014012ZX8",
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"US8740391003": "Taiwan Semiconductor Manufact. ADR",
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} {
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if names[isin] != want {
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t.Errorf("%s named %q, want %q", isin, names[isin], want)
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}
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}
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// Six decimal places do not fit in money. The residue is reported, not hidden.
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if result.Rounded != 1 || result.Rounding != "0.000028" {
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t.Errorf("rounding reported as %d rows and %s, want 1 row and 0.000028", result.Rounded, result.Rounding)
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}
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// A broker cash amount is already net of tax, so the tax column is
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// recorded and never subtracted again.
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if len(result.Unapplied) != 3 {
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t.Fatalf("unapplied fee/tax notes: %+v", result.Unapplied)
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}
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for _, note := range result.Unapplied {
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if note.Tax == "" {
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t.Errorf("note without the figure that was not applied: %+v", note)
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}
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}
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}
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// The broker reuses one reference for every leg of an economic event, so
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// dedupe on the reference alone silently drops half of each corporate action.
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func TestSharedBrokerReferenceKeepsEveryLeg(t *testing.T) {
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result := readBroker(t, scalableRows...)
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data := domain.NewDataset()
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data.Accounts = []domain.Account{brokerAccount()}
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data.Instruments = result.Instruments
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added, err := NormalizeAndDedupe(data, result.Facts)
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if err != nil {
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t.Fatal(err)
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}
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if len(added) != len(result.Facts) {
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t.Fatalf("dedupe kept %d of %d legs", len(added), len(result.Facts))
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}
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data.Transactions = added
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if err := domain.Validate(data); err != nil {
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t.Fatal(err)
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}
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again, err := NormalizeAndDedupe(data, result.Facts)
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if err != nil || len(again) != 0 {
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t.Fatalf("re-import was not idempotent: %v %+v", err, again)
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}
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}
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// Every one of these can move money that never moved, so each rejects the
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// whole file rather than importing the rest.
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func TestScalableRejectsRowsItCannotAccountFor(t *testing.T) {
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for name, row := range map[string]string{
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"unknown type": `2026-01-05;01:00:00;Executed;R1;Something;Cash;Vorabpauschale;;;;-12,00;;;EUR`,
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"unknown status": `2026-01-05;01:00:00;Pending;R1;Something;Cash;Deposit;;;;12,00;;;EUR`,
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"asset type mismatch": `2026-01-05;01:00:00;Executed;R1;Something;Security;Deposit;;;;12,00;;;EUR`,
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"foreign currency": `2026-01-05;01:00:00;Executed;R1;Something;Cash;Deposit;;;;12,00;;;USD`,
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"mismatched gross": `2026-01-05;01:00:00;Executed;R1;Something;Security;Buy;DE000UG4V0Z7;10;2,00;-25,00;0,00;0,00;EUR`,
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"signed buy": `2026-01-05;01:00:00;Executed;R1;Something;Security;Buy;DE000UG4V0Z7;-10;2,00;20,00;0,00;0,00;EUR`,
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"paid corporate": `2026-01-05;01:00:00;Executed;R1;Something;Security;Corporate action;DE000UG4V0Z7;-5;2,00;-10,00;1,00;0,00;EUR`,
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"security without ISIN": `2026-01-05;01:00:00;Executed;R1;Something;Security;Buy;;10;2,00;-20,00;0,00;0,00;EUR`,
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"invalid ISIN": `2026-01-05;01:00:00;Executed;R1;Something;Security;Buy;NOTANISIN;10;2,00;-20,00;0,00;0,00;EUR`,
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} {
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file, err := ReadCSV(strings.NewReader(scalableHeader + row + "\n"))
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if err != nil {
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t.Fatalf("%s: %v", name, err)
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}
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if _, err := ParseScalableCSV(file, brokerAccount(), nil); err == nil {
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t.Errorf("%s: accepted a row that can move money it should not", name)
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}
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}
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}
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// An inconsistent row is caught, and a uniformly mangled one is not. Where the
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// whole row lost its separator together, shares times price still equals the
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// amount at every scale, so no check inside the file can see it. This is a
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// known limit, not an oversight: only a price cross-check against an outside
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// provider distinguishes 1 x 25,795 from 1 x 25795, and that is deliberately
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// out of scope. The test exists so nobody claims coverage that is not here.
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func TestSingleShareRowCatchesOnlyInconsistentArithmetic(t *testing.T) {
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valid := `2024-12-09;10:48:44;Executed;SCALfhSXRbGWKno;Amundi Leveraged MSCI USA Daily (Acc);Security;Buy;FR0010755611;1;25,795;-25,795;0,99;0,00;EUR`
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result := readBroker(t, valid)
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if got := result.Facts[0].Amount; got != "-26.785" {
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t.Fatalf("one-share buy settled %s, want -26.785", got)
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}
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inconsistent := strings.Replace(valid, "25,795;-25,795", "25,795;-257,95", 1)
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file, err := ReadCSV(strings.NewReader(scalableHeader + inconsistent + "\n"))
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if err != nil {
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t.Fatal(err)
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}
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if _, err := ParseScalableCSV(file, brokerAccount(), nil); err == nil {
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t.Fatal("accepted a one-share row whose amount is off by a factor of ten")
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}
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uniform := readBroker(t, strings.Replace(valid, "1;25,795;-25,795", "1;25795;-25795", 1))
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if got := uniform.Facts[0].Investment.Gross; got != "-25795.00" {
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t.Fatalf("uniformly mangled row read as %s: the file-internal identity cannot see it, and that must stay visible here", got)
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}
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}
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// A reinvested distribution settles shares times price, so it carries as many
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// decimal places as the two together need. A real export reinvests to nine,
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// which is past what money holds and past what a share count holds, so reading
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// the cell at either precision rejects the row outright. It is rounded to
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// money's four and the discarded remainder is reported exactly.
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func TestReinvestmentKeepsNineDecimalPlacesOutOfTheBalance(t *testing.T) {
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const reference = "617007_rrCjP4EcbpefpNiVQeD495"
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result := readBroker(t,
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`2026-05-28;02:00:00;Executed;`+reference+`;iShares Global Clean Energy Transition (Dist);Cash;Distribution;IE00B1XNHC34;;;29,58;0,00;8,56;EUR`,
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`2026-05-28;02:00:00;Executed;`+reference+`;iShares Global Clean Energy Transition (Dist);Security;Reinvestment_Distribution;IE00B1XNHC34;3,144131;9,408;-29,579984448;0,00;0,00;EUR`,
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)
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if len(result.Facts) != 2 {
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t.Fatalf("read %d of 2 legs", len(result.Facts))
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}
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cash, reinvest := result.Facts[0], result.Facts[1]
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if cash.Amount != "29.58" || cash.Investment.Tax != "8.56" {
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t.Errorf("distribution settled %s with tax %s, want 29.58 and 8.56 recorded", cash.Amount, cash.Investment.Tax)
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}
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// 29.579984448 rounds up at the fifth place, and the residue is exact.
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if reinvest.Amount != "-29.58" || reinvest.Investment.Gross != "-29.58" {
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t.Errorf("reinvestment settled %s against gross %s, want -29.58 for both", reinvest.Amount, reinvest.Investment.Gross)
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}
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if reinvest.Investment.Quantity != "3.144131" {
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t.Errorf("reinvested %s shares, want 3.144131", reinvest.Investment.Quantity)
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}
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if result.Rounded != 1 || result.Rounding != "0.000015552" {
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t.Errorf("rounding reported as %d row(s) and %s, want 1 and 0.000015552", result.Rounded, result.Rounding)
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}
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// The dividend paid in and the units bought with it cancel to the cent.
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total := int64(0)
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for _, f := range result.Facts {
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minor, err := f.Amount.Minor()
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if err != nil {
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t.Fatal(err)
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}
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total += minor
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}
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if total != 0 {
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t.Errorf("the pair moved %s of net cash, want none", domain.FormatMoney(total))
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}
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// Both legs carry one reference byte for byte and must both survive.
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data := domain.NewDataset()
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data.Accounts = []domain.Account{brokerAccount()}
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data.Instruments = result.Instruments
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added, err := NormalizeAndDedupe(data, result.Facts)
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if err != nil || len(added) != 2 {
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t.Fatalf("dedupe kept %d of 2 legs sharing a reference: %v", len(added), err)
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}
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}
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// A thousands dot and a decimal dot are both present in one share column.
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func TestBrokerShareColumnDistinguishesGroupingFromDecimals(t *testing.T) {
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result := readBroker(t,
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`2026-02-24;17:11:29;Executed;G1;iShares Global Clean Energy Transition (Dist);Security;Buy;IE00B1XNHC34;1.014;9,408;-9.539,712;0,00;0,00;EUR`,
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`2026-02-25;17:11:29;Executed;G2;iShares Global Clean Energy Transition (Dist);Security;Buy;IE00B1XNHC34;1.14;9,408;-10,7251;0,00;0,00;EUR`,
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)
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if got := result.Facts[0].Investment.Quantity; got != "1014" {
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t.Errorf("grouped share count read as %s, want 1014", got)
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}
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if got := result.Facts[1].Investment.Quantity; got != "1.14" {
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t.Errorf("fractional share count read as %s, want 1.14", got)
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}
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}
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