Rename frontend brand to Aarthalabs

app/about/page.tsx

@@ -11,9 +11,9 @@ import { defaultFaqs } from "../../data/faq";
 import { siteInfo } from "../../data/site";
 
 export const metadata = {
-  title: "About LedgerOne",
+  title: "About Aarthalabs",
   description:
-    "Learn how LedgerOne builds audit-ready ledgers for US finance, tax, and operations teams.",
+    "Learn how Aarthalabs builds audit-ready ledgers for US finance, tax, and operations teams.",
   keywords: siteInfo.keywords
 };
 
@@ -52,9 +52,9 @@ export default function AboutPage() {
     {
       "@context": "https://schema.org",
       "@type": "WebPage",
-      name: "About LedgerOne",
+      name: "About Aarthalabs",
       description:
-        "Learn how LedgerOne builds audit-ready ledgers for US finance, tax, and operations teams.",
+        "Learn how Aarthalabs builds audit-ready ledgers for US finance, tax, and operations teams.",
       url: `${siteInfo.url}/about`
     },
     {
@@ -80,12 +80,12 @@ export default function AboutPage() {
                 Our Story
               </div>
               <h1 className="text-4xl font-bold tracking-tight text-foreground sm:text-5xl leading-tight">
-                LedgerOne keeps every transaction ready for{" "}
+                Aarthalabs keeps every transaction ready for{" "}
                 <span className="heading-hero-accent">ready for audits, review, and action.</span>
               </h1>
               <div className="space-y-4 text-lg text-muted-foreground">
                 <p>
-                  We built LedgerOne for teams that manage high volumes of transactions but
+                  We built Aarthalabs for teams that manage high volumes of transactions but
                   still need each decision documented. Our ledger-first workflow keeps the
                   raw truth intact while allowing intelligent categorization and rule-driven
                   automation.
@@ -119,7 +119,7 @@ export default function AboutPage() {
                     Built for US operators
                   </p>
                   <p className="mt-1 text-sm text-muted-foreground">
-                    LedgerOne is built around US accounting workflows, audit readiness, and
+                    Aarthalabs is built around US accounting workflows, audit readiness, and
                     tax reporting cycles.
                   </p>
                 </div>
@@ -167,7 +167,7 @@ export default function AboutPage() {
                 </div>
                 <h2 className="text-3xl font-bold text-foreground">A ledger that holds the full story.</h2>
                 <p className="text-muted-foreground text-lg">
-                  Traditional tools collapse data into summaries. LedgerOne keeps each raw
+                  Traditional tools collapse data into summaries. Aarthalabs keeps each raw
                   entry intact and layers in decisions, reviews, and approvals.
                 </p>
               </div>

app/accountant/page.tsx

@@ -0,0 +1,160 @@
+"use client";
+
+import { FormEvent, useEffect, useMemo, useState } from "react";
+import { AppShell } from "@/components/app-shell";
+import { apiFetch } from "@/lib/api";
+
+type Household = { id: string; name: string };
+type Person = { id: string; email: string; fullName?: string | null };
+type AccountantTask = {
+  id: string;
+  title: string;
+  description?: string | null;
+  taskType: string;
+  status: string;
+  priority: string;
+  dueDate?: string | null;
+  completedAt?: string | null;
+  assignedTo?: Person | null;
+  createdBy?: Person | null;
+};
+
+export default function AccountantPage() {
+  const [households, setHouseholds] = useState<Household[]>([]);
+  const [householdId, setHouseholdId] = useState("");
+  const [tasks, setTasks] = useState<AccountantTask[]>([]);
+  const [draft, setDraft] = useState({ title: "", description: "", taskType: "review", priority: "medium", dueDate: "" });
+  const [status, setStatus] = useState("");
+  const selectedHousehold = useMemo(() => households.find((item) => item.id === householdId), [households, householdId]);
+
+  useEffect(() => {
+    void loadHouseholds();
+  }, []);
+
+  useEffect(() => {
+    if (householdId) void loadTasks(householdId);
+  }, [householdId]);
+
+  const loadHouseholds = async () => {
+    const res = await apiFetch<Household[]>("/api/households");
+    if (res.error) {
+      setStatus(res.error.message);
+      return;
+    }
+    const list = res.data ?? [];
+    setHouseholds(list);
+    setHouseholdId((current) => current || list[0]?.id || "");
+  };
+
+  const loadTasks = async (id = householdId) => {
+    const res = await apiFetch<AccountantTask[]>(`/api/households/${id}/accountant-tasks`);
+    if (res.error) {
+      setStatus(res.error.message);
+      setTasks([]);
+      return;
+    }
+    setStatus("");
+    setTasks(res.data ?? []);
+  };
+
+  const createTask = async (event: FormEvent) => {
+    event.preventDefault();
+    if (!householdId || !draft.title.trim()) return;
+    const res = await apiFetch<AccountantTask>(`/api/households/${householdId}/accountant-tasks`, {
+      method: "POST",
+      body: JSON.stringify({
+        title: draft.title,
+        description: draft.description || undefined,
+        taskType: draft.taskType,
+        priority: draft.priority,
+        dueDate: draft.dueDate || undefined,
+      }),
+    });
+    if (res.error) {
+      setStatus(res.error.message);
+      return;
+    }
+    setDraft({ title: "", description: "", taskType: "review", priority: "medium", dueDate: "" });
+    await loadTasks();
+  };
+
+  const updateTask = async (task: AccountantTask, nextStatus: string) => {
+    if (!householdId) return;
+    const res = await apiFetch<AccountantTask>(`/api/households/${householdId}/accountant-tasks/${task.id}`, {
+      method: "PATCH",
+      body: JSON.stringify({ status: nextStatus }),
+    });
+    if (res.error) {
+      setStatus(res.error.message);
+      return;
+    }
+    await loadTasks();
+  };
+
+  return (
+    <AppShell title="Accountant Workflow" subtitle="Track household advisor requests, reviews, and follow-ups.">
+      <div className="mx-auto flex w-full max-w-6xl flex-col gap-6">
+        {status ? <div className="rounded-md border border-amber-200 bg-amber-50 px-4 py-3 text-sm text-amber-900">{status}</div> : null}
+
+        <section className="rounded-lg border border-slate-200 bg-white p-4">
+          <div className="flex flex-col gap-3 sm:flex-row sm:items-center sm:justify-between">
+            <div>
+              <h2 className="text-base font-semibold text-slate-950">Household</h2>
+              <p className="text-sm text-slate-600">{selectedHousehold?.name ?? "Choose a household to manage advisor work."}</p>
+            </div>
+            <select value={householdId} onChange={(event) => setHouseholdId(event.target.value)} className="rounded-md border border-slate-300 px-3 py-2 text-sm">
+              {households.map((household) => (
+                <option key={household.id} value={household.id}>{household.name}</option>
+              ))}
+            </select>
+          </div>
+        </section>
+
+        <form onSubmit={createTask} className="rounded-lg border border-slate-200 bg-white p-4">
+          <h2 className="text-base font-semibold text-slate-950">New Task</h2>
+          <div className="mt-4 grid gap-3 md:grid-cols-2">
+            <input value={draft.title} onChange={(event) => setDraft({ ...draft, title: event.target.value })} placeholder="Task title" className="rounded-md border border-slate-300 px-3 py-2 text-sm" />
+            <input type="date" value={draft.dueDate} onChange={(event) => setDraft({ ...draft, dueDate: event.target.value })} className="rounded-md border border-slate-300 px-3 py-2 text-sm" />
+            <select value={draft.taskType} onChange={(event) => setDraft({ ...draft, taskType: event.target.value })} className="rounded-md border border-slate-300 px-3 py-2 text-sm">
+              <option value="review">Review</option>
+              <option value="document_request">Document request</option>
+              <option value="tax_prep">Tax prep</option>
+              <option value="advice">Advice</option>
+            </select>
+            <select value={draft.priority} onChange={(event) => setDraft({ ...draft, priority: event.target.value })} className="rounded-md border border-slate-300 px-3 py-2 text-sm">
+              <option value="low">Low</option>
+              <option value="medium">Medium</option>
+              <option value="high">High</option>
+            </select>
+          </div>
+          <textarea value={draft.description} onChange={(event) => setDraft({ ...draft, description: event.target.value })} placeholder="Notes or request details" className="mt-3 min-h-24 w-full rounded-md border border-slate-300 px-3 py-2 text-sm" />
+          <button className="mt-3 rounded-md bg-slate-950 px-4 py-2 text-sm font-medium text-white">Create task</button>
+        </form>
+
+        <section className="grid gap-3">
+          {tasks.length ? tasks.map((task) => (
+            <article key={task.id} className="rounded-lg border border-slate-200 bg-white p-4">
+              <div className="flex flex-col gap-3 sm:flex-row sm:items-start sm:justify-between">
+                <div>
+                  <h3 className="font-semibold text-slate-950">{task.title}</h3>
+                  <p className="mt-1 text-sm text-slate-600">{task.description || "No details added."}</p>
+                  <p className="mt-2 text-xs uppercase text-slate-500">
+                    {task.taskType.replace(/_/g, " ")} · {task.priority} · {task.dueDate ? new Date(task.dueDate).toLocaleDateString() : "No due date"}
+                  </p>
+                </div>
+                <div className="flex gap-2">
+                  <button onClick={() => updateTask(task, "open")} className="rounded-md border border-slate-300 px-3 py-1.5 text-xs">Open</button>
+                  <button onClick={() => updateTask(task, "in_progress")} className="rounded-md border border-blue-200 px-3 py-1.5 text-xs text-blue-700">In progress</button>
+                  <button onClick={() => updateTask(task, "completed")} className="rounded-md border border-emerald-200 px-3 py-1.5 text-xs text-emerald-700">Complete</button>
+                </div>
+              </div>
+              <div className="mt-3 text-xs text-slate-500">Status: {task.status.replace(/_/g, " ")}</div>
+            </article>
+          )) : (
+            <div className="rounded-lg border border-dashed border-slate-300 bg-white p-6 text-sm text-slate-500">No accountant tasks yet.</div>
+          )}
+        </section>
+      </div>
+    </AppShell>
+  );
+}

app/api/2fa/disable/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function DELETE(req: NextRequest) {
-  return proxyRequest(req, "2fa/disable");
+  return proxyRequest(req, "auth/2fa/disable");
 }

app/api/2fa/enable/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "2fa/enable");
+  return proxyRequest(req, "auth/2fa/enable");
 }

app/api/2fa/generate/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "2fa/generate");
+  return proxyRequest(req, "auth/2fa/generate");
 }

app/api/accounts/link/route.ts

@@ -1,6 +1,6 @@
 import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
-export async function GET(req: NextRequest) {
+export async function POST(req: NextRequest) {
-  return proxyRequest(req, "accounts/link-token");
+  return proxyRequest(req, "accounts/link");
 }

app/api/accounts/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function GET(req: NextRequest) {
-  return proxyRequest(req, "accounts");
+  return proxyRequest(req, "view/accounts");
 }

app/api/api-keys/[id]/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function DELETE(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `api-keys/${params.id}`);
+}

app/api/api-keys/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "api-keys");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "api-keys");
+}

app/api/auth/login/route.ts

@@ -1,6 +1,15 @@
-import { NextRequest } from "next/server";
+import { NextRequest, NextResponse } from "next/server";
 import { proxyRequest } from "@/lib/backend";
+import { setAuthCookies } from "@/lib/auth-cookies";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "auth/login");
+  const res = await proxyRequest(req, "auth/login");
+  const payload = await res.clone().json().catch(() => null) as { data?: { accessToken?: string; refreshToken?: string; sessionNonce?: string; [key: string]: unknown } } | null;
+  if (res.ok && payload?.data?.accessToken && payload.data.refreshToken && payload.data.sessionNonce) {
+    const { accessToken, refreshToken, sessionNonce, ...safeData } = payload.data;
+    const safeRes = NextResponse.json({ ...payload, data: safeData }, { status: res.status });
+    setAuthCookies(safeRes, accessToken, refreshToken, sessionNonce);
+    return safeRes;
+  }
+  return res;
 }

app/api/auth/logout/route.ts

@@ -1,6 +1,36 @@
-import { NextRequest } from "next/server";
+import { NextRequest, NextResponse } from "next/server";
-import { proxyRequest } from "@/lib/backend";
+import { getBackendUrl } from "@/lib/backend";
+import { ACCESS_COOKIE, NONCE_COOKIE, REFRESH_COOKIE, clearAuthCookies } from "@/lib/auth-cookies";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "auth/logout");
+  const accessToken = req.cookies.get(ACCESS_COOKIE)?.value;
+  const refreshToken = req.cookies.get(REFRESH_COOKIE)?.value;
+  const sessionNonce = req.cookies.get(NONCE_COOKIE)?.value;
+  const backendRes = refreshToken
+    ? await fetch(getBackendUrl("auth/logout"), {
+      method: "POST",
+      headers: {
+        "Content-Type": "application/json",
+        ...(accessToken ? { Authorization: `Bearer ${accessToken}` } : {}),
+        ...(sessionNonce ? { "X-LedgerOne-Session-Nonce": sessionNonce } : {}),
+        "User-Agent": req.headers.get("user-agent") ?? "",
+        "X-Forwarded-For": req.headers.get("x-forwarded-for") ?? "",
+      },
+      body: JSON.stringify({ refreshToken }),
+    })
+    : null;
+
+  const payload = backendRes
+    ? await backendRes.text()
+    : JSON.stringify({
+      data: { message: "Logged out." },
+      meta: { timestamp: new Date().toISOString(), version: "v1" },
+      error: null,
+    });
+  const res = new NextResponse(payload, {
+    status: backendRes?.status ?? 200,
+    headers: { "Content-Type": backendRes?.headers.get("content-type") ?? "application/json" },
+  });
+  clearAuthCookies(res);
+  return res;
 }

app/api/auth/me/data-export/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "auth/me/data-export");
+}

app/api/auth/me/privacy-summary/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "auth/me/privacy-summary");
+}

app/api/auth/me/route.ts

@@ -4,3 +4,7 @@ import { proxyRequest } from "@/lib/backend";
 export async function GET(req: NextRequest) {
   return proxyRequest(req, "auth/me");
 }
+
+export async function DELETE(req: NextRequest) {
+  return proxyRequest(req, "auth/me");
+}

app/api/auth/refresh/route.ts

@@ -1,6 +1,46 @@
-import { NextRequest } from "next/server";
+import { NextRequest, NextResponse } from "next/server";
-import { proxyRequest } from "@/lib/backend";
+import { getBackendUrl } from "@/lib/backend";
+import { NONCE_COOKIE, REFRESH_COOKIE, clearAuthCookies, setAuthCookies } from "@/lib/auth-cookies";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "auth/refresh");
+  const refreshToken = req.cookies.get(REFRESH_COOKIE)?.value;
+  const sessionNonce = req.cookies.get(NONCE_COOKIE)?.value;
+  if (!refreshToken) {
+    const res = NextResponse.json(
+      {
+        data: null,
+        meta: { timestamp: new Date().toISOString(), version: "v1" },
+        error: { message: "Missing refresh token." },
+      },
+      { status: 401 },
+    );
+    clearAuthCookies(res);
+    return res;
+  }
+
+  const backendRes = await fetch(getBackendUrl("auth/refresh"), {
+    method: "POST",
+    headers: {
+      "Content-Type": "application/json",
+      "User-Agent": req.headers.get("user-agent") ?? "",
+      "X-Forwarded-For": req.headers.get("x-forwarded-for") ?? "",
+      ...(sessionNonce ? { "X-LedgerOne-Session-Nonce": sessionNonce } : {}),
+    },
+    body: JSON.stringify({ refreshToken }),
+  });
+  const payload = await backendRes.text();
+  const parsed = JSON.parse(payload) as { data?: { accessToken?: string; refreshToken?: string; sessionNonce?: string; [key: string]: unknown } };
+  const responsePayload = backendRes.ok && parsed.data?.accessToken && parsed.data.refreshToken && parsed.data.sessionNonce
+    ? JSON.stringify({ ...parsed, data: {} })
+    : payload;
+  const res = new NextResponse(responsePayload, {
+    status: backendRes.status,
+    headers: { "Content-Type": backendRes.headers.get("content-type") ?? "application/json" },
+  });
+  if (backendRes.ok && parsed.data?.accessToken && parsed.data.refreshToken && parsed.data.sessionNonce) {
+    setAuthCookies(res, parsed.data.accessToken, parsed.data.refreshToken, parsed.data.sessionNonce);
+  } else {
+    clearAuthCookies(res);
+  }
+  return res;
 }

app/api/auth/register/route.ts

@@ -1,6 +1,15 @@
-import { NextRequest } from "next/server";
+import { NextRequest, NextResponse } from "next/server";
 import { proxyRequest } from "@/lib/backend";
+import { setAuthCookies } from "@/lib/auth-cookies";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "auth/register");
+  const res = await proxyRequest(req, "auth/register");
+  const payload = await res.clone().json().catch(() => null) as { data?: { accessToken?: string; refreshToken?: string; sessionNonce?: string; [key: string]: unknown } } | null;
+  if (res.ok && payload?.data?.accessToken && payload.data.refreshToken && payload.data.sessionNonce) {
+    const { accessToken, refreshToken, sessionNonce, ...safeData } = payload.data;
+    const safeRes = NextResponse.json({ ...payload, data: safeData }, { status: res.status });
+    setAuthCookies(safeRes, accessToken, refreshToken, sessionNonce);
+    return safeRes;
+  }
+  return res;
 }

app/api/auth/social/[provider]/callback/route.ts

@@ -0,0 +1,18 @@
+import { NextRequest, NextResponse } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+import { setAuthCookies } from "@/lib/auth-cookies";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { provider: string } },
+) {
+  const res = await proxyRequest(req, `auth/social/${params.provider}/callback`);
+  const payload = await res.clone().json().catch(() => null) as { data?: { accessToken?: string; refreshToken?: string; sessionNonce?: string; [key: string]: unknown } } | null;
+  if (res.ok && payload?.data?.accessToken && payload.data.refreshToken && payload.data.sessionNonce) {
+    const { accessToken, refreshToken, sessionNonce, ...safeData } = payload.data;
+    const safeRes = NextResponse.json({ ...payload, data: safeData }, { status: res.status });
+    setAuthCookies(safeRes, accessToken, refreshToken, sessionNonce);
+    return safeRes;
+  }
+  return res;
+}

app/api/auth/social/[provider]/url/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { provider: string } },
+) {
+  return proxyRequest(req, `auth/social/${params.provider}/url`);
+}

app/api/bill-pay/bills/[id]/initiate-payment/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `bill-pay/bills/${params.id}/initiate-payment`);
+}

app/api/bill-pay/bills/[id]/pay/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `bill-pay/bills/${params.id}/pay`);
+}

app/api/bill-pay/bills/[id]/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `bill-pay/bills/${params.id}`);
+}

app/api/bill-pay/bills/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "bill-pay/bills");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "bill-pay/bills");
+}

app/api/bill-pay/payees/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "bill-pay/payees");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "bill-pay/payees");
+}

app/api/bill-pay/summary/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "bill-pay/summary");
+}

app/api/billing/checkout/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "billing/checkout");
+}

app/api/billing/portal/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "billing/portal");
+}

app/api/billing/subscription/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "billing/subscription");
+}

app/api/credit-score/entries/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "credit-score/entries");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "credit-score/entries");
+}

app/api/credit-score/pull/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "credit-score/pull");
+}

app/api/credit-score/summary/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "credit-score/summary");
+}

app/api/exports/download/[token]/route.ts

@@ -0,0 +1,36 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getBackendUrl } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { token: string } }
+) {
+  const targetUrl = getBackendUrl(`exports/download/${params.token}`);
+  const forwardedFor = req.headers.get("x-forwarded-for") ?? "";
+  const userAgent = req.headers.get("user-agent") ?? "";
+  const headers: Record<string, string> = {};
+  if (forwardedFor) headers["X-Forwarded-For"] = forwardedFor;
+  if (userAgent) headers["User-Agent"] = userAgent;
+
+  try {
+    const res = await fetch(targetUrl, { method: "GET", headers });
+    const body = await res.arrayBuffer();
+    return new NextResponse(body, {
+      status: res.status,
+      headers: {
+        "Content-Type": res.headers.get("content-type") ?? "application/octet-stream",
+        "Content-Disposition": res.headers.get("content-disposition") ?? "attachment",
+        "Cache-Control": "no-store",
+      },
+    });
+  } catch {
+    return NextResponse.json(
+      {
+        data: null,
+        meta: { timestamp: new Date().toISOString(), version: "v1" },
+        error: { message: "Backend unavailable." },
+      },
+      { status: 503 }
+    );
+  }
+}

app/api/exports/json/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "exports/json");
+}

app/api/exports/pdf/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "exports/pdf");
+}

app/api/exports/xlsx/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "exports/xlsx");
+}

app/api/google/data-system-mode/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "google/data-system-mode");
+}

app/api/households/[id]/accountant-tasks/[taskId]/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(req: NextRequest, { params }: { params: { id: string; taskId: string } }) {
+  return proxyRequest(req, `households/${params.id}/accountant-tasks/${params.taskId}`);
+}

app/api/households/[id]/accountant-tasks/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `households/${params.id}/accountant-tasks`);
+}
+
+export async function POST(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `households/${params.id}/accountant-tasks`);
+}

app/api/households/[id]/dashboard/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string };
+};
+
+export async function GET(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/dashboard`);
+}

app/api/households/[id]/debt-payoff/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/debt-payoff`);
+}

app/api/households/[id]/fair-split/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/fair-split`);
+}

app/api/households/[id]/future-scenarios/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/future-scenarios`);
+}

app/api/households/[id]/goals/[goalId]/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string; goalId: string };
+};
+
+export async function PATCH(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/goals/${params.goalId}`);
+}

app/api/households/[id]/goals/route.ts

@@ -0,0 +1,14 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string };
+};
+
+export async function GET(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/goals`);
+}
+
+export async function POST(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/goals`);
+}

app/api/households/[id]/invites/route.ts

@@ -0,0 +1,14 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string };
+};
+
+export async function GET(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/invites`);
+}
+
+export async function POST(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/invites`);
+}

app/api/households/[id]/members/[memberId]/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string; memberId: string };
+};
+
+export async function PATCH(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/members/${params.memberId}`);
+}

app/api/households/[id]/members/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+type RouteContext = {
+  params: { id: string };
+};
+
+export async function GET(req: NextRequest, { params }: RouteContext) {
+  return proxyRequest(req, `households/${params.id}/members`);
+}

app/api/households/[id]/money-date-prompts/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/money-date-prompts`);
+}

app/api/households/[id]/privacy/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `households/${params.id}/privacy`);
+}

app/api/households/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "households");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "households");
+}

app/api/notifications/[id]/read/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `notifications/${params.id}/read`);
+}

app/api/notifications/preferences/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "notifications/preferences");
+}
+
+export async function PATCH(req: NextRequest) {
+  return proxyRequest(req, "notifications/preferences");
+}

app/api/notifications/push-subscriptions/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "notifications/push-subscriptions");
+}

app/api/notifications/read-all/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "notifications/read-all");
+}

app/api/notifications/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "notifications");
+}

app/api/notifications/test/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "notifications/test");
+}

app/api/notifications/vapid-public-key/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "notifications/vapid-public-key");
+}

app/api/plaid/repair-complete/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "plaid/repair-complete");
+}

app/api/plaid/update-link-token/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "plaid/update-link-token");
+}

app/api/planning/budgets/[id]/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `planning/budgets/${params.id}`);
+}

app/api/planning/budgets/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "planning/budgets");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "planning/budgets");
+}

app/api/planning/goals/[id]/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function PATCH(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `planning/goals/${params.id}`);
+}

app/api/planning/goals/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "planning/goals");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "planning/goals");
+}

app/api/planning/investments/route.ts

@@ -0,0 +1,10 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "planning/investments");
+}
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "planning/investments");
+}

app/api/planning/net-worth/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "planning/net-worth");
+}

app/api/planning/net-worth/snapshots/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "planning/net-worth/snapshots");
+}

app/api/planning/recurring/detect/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "planning/recurring/detect");
+}

app/api/planning/recurring/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "planning/recurring");
+}

app/api/rules/[id]/execute/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest, { params }: { params: { id: string } }) {
+  return proxyRequest(req, `rules/${params.id}/execute`);
+}

app/api/security/risk/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "security/risk");
+}

app/api/stripe/checkout/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "stripe/checkout");
+  return proxyRequest(req, "billing/checkout");
 }

app/api/stripe/portal/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function POST(req: NextRequest) {
-  return proxyRequest(req, "stripe/portal");
+  return proxyRequest(req, "billing/portal");
 }

app/api/stripe/subscription/route.ts

@@ -2,5 +2,5 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function GET(req: NextRequest) {
-  return proxyRequest(req, "stripe/subscription");
+  return proxyRequest(req, "billing/subscription");
 }

app/api/tax/returns/[id]/documents/route.ts

@@ -0,0 +1,9 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } },
+) {
+  return proxyRequest(req, `tax/returns/${params.id}/documents`);
+}

app/api/tax/returns/[id]/efile/route.ts

@@ -0,0 +1,16 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { id: string } },
+) {
+  return proxyRequest(req, `tax/returns/${params.id}/efile`);
+}
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } },
+) {
+  return proxyRequest(req, `tax/returns/${params.id}/efile`);
+}

app/api/tax/returns/[id]/export/route.ts

@@ -1,7 +1,7 @@
 import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
-export async function GET(
+export async function POST(
   req: NextRequest,
   { params }: { params: { id: string } }
 ) {

app/api/tax/returns/[id]/intake/route.ts

@@ -0,0 +1,16 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { id: string } },
+) {
+  return proxyRequest(req, `tax/returns/${params.id}/intake`);
+}
+
+export async function PUT(
+  req: NextRequest,
+  { params }: { params: { id: string } },
+) {
+  return proxyRequest(req, `tax/returns/${params.id}/intake`);
+}

app/api/teller/config/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "teller/config");
+}

app/api/teller/enrollment/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "teller/enrollment");
+}

app/api/teller/sync/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "teller/sync");
+}

app/api/transactions/[id]/comments/route.ts

@@ -0,0 +1,16 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `transactions/${params.id}/comments`);
+}
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: { id: string } }
+) {
+  return proxyRequest(req, `transactions/${params.id}/comments`);
+}

app/api/transactions/import/batch/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "transactions/import/batch");
+}

app/api/transactions/import/preview/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function POST(req: NextRequest) {
+  return proxyRequest(req, "transactions/import/preview");
+}

app/api/transactions/route.ts

@@ -2,7 +2,7 @@ import { NextRequest } from "next/server";
 import { proxyRequest } from "@/lib/backend";
 
 export async function GET(req: NextRequest) {
-  return proxyRequest(req, "transactions");
+  return proxyRequest(req, "view/transactions");
 }
 
 export async function POST(req: NextRequest) {

app/api/view/accounts/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "view/accounts");
+}

app/api/view/transactions/route.ts

@@ -0,0 +1,6 @@
+import { NextRequest } from "next/server";
+import { proxyRequest } from "@/lib/backend";
+
+export async function GET(req: NextRequest) {
+  return proxyRequest(req, "view/transactions");
+}

app/app/connect/page.tsx

@@ -5,21 +5,72 @@ import { useCallback, useEffect, useState } from "react";
 import { usePlaidLink } from "react-plaid-link";
 
 type Account = {
-  id: string;
+  viewRef: string;
   institutionName: string;
   accountType: string;
   mask?: string | null;
+  syncStatus?: string | null;
+  lastSyncError?: string | null;
+  plaidWebhookCode?: string | null;
+  tellerConnected?: boolean;
 };
 
+type TellerEnrollment = {
+  accessToken: string;
+  user?: { id?: string };
+  enrollment?: {
+    id?: string;
+    institution?: { name?: string };
+  };
+};
+
+type GoogleStatus = {
+  connected: boolean;
+  googleEmail?: string;
+  driveMirror?: {
+    enabled: boolean;
+    status: string;
+    url?: string | null;
+    lastSyncedAt?: string | null;
+  };
+  dataSystem?: {
+    mode: string;
+    operationalSystemOfRecord: string;
+    userOwnedMirror: boolean;
+    note: string;
+  };
+};
+
+declare global {
+  interface Window {
+    TellerConnect?: {
+      setup(config: {
+        applicationId: string;
+        environment?: string;
+        products: string[];
+        enrollmentId?: string;
+        onSuccess(enrollment: TellerEnrollment): void;
+        onExit?(): void;
+        onFailure?(error: unknown): void;
+      }): { open(): void };
+    };
+  }
+}
+
 export default function ConnectPage() {
   const [status, setStatus] = useState("");
   const [linkToken, setLinkToken] = useState<string | null>(null);
+  const [updateAccountRef, setUpdateAccountRef] = useState<string | null>(null);
+  const [linkMode, setLinkMode] = useState<"connect" | "update">("connect");
+  const [pendingOpen, setPendingOpen] = useState(false);
   const [manualMode, setManualMode] = useState(false);
   const [manualBank, setManualBank] = useState("");
   const [manualRouting, setManualRouting] = useState("");
   const [manualAccount, setManualAccount] = useState("");
   const [manualType, setManualType] = useState("checking");
   const [accounts, setAccounts] = useState<Account[]>([]);
+  const [tellerReady, setTellerReady] = useState(false);
+  const [googleStatus, setGoogleStatus] = useState<GoogleStatus | null>(null);
 
   const createLinkToken = useCallback(async () => {
     setStatus("Requesting Plaid link token...");
@@ -43,36 +94,94 @@ export default function ConnectPage() {
   }, []);
 
   const loadAccounts = useCallback(async () => {
-    const userId = localStorage.getItem("ledgerone_user_id");
+    const res = await fetch("/api/accounts");
-    if (!userId) {
-      return;
-    }
-    const res = await fetch(`/api/accounts?user_id=${encodeURIComponent(userId)}`);
     if (!res.ok) {
       return;
     }
     const payload = await res.json();
-    setAccounts(payload.data ?? []);
+    setAccounts(payload.data?.accounts ?? payload.data ?? []);
+  }, []);
+
+  const loadGoogleStatus = useCallback(async () => {
+    const res = await fetch("/api/google/status");
+    if (!res.ok) return;
+    const payload = await res.json();
+    setGoogleStatus(payload.data ?? payload);
+  }, []);
+
+  const loadTellerScript = useCallback(() => {
+    if (typeof window === "undefined") return Promise.resolve(false);
+    if (window.TellerConnect) {
+      setTellerReady(true);
+      return Promise.resolve(true);
+    }
+    return new Promise<boolean>((resolve) => {
+      const existing = document.querySelector<HTMLScriptElement>("script[data-teller-connect]");
+      if (existing) {
+        existing.addEventListener("load", () => {
+          setTellerReady(Boolean(window.TellerConnect));
+          resolve(Boolean(window.TellerConnect));
+        });
+        existing.addEventListener("error", () => resolve(false));
+        return;
+      }
+      const script = document.createElement("script");
+      script.src = "https://cdn.teller.io/connect/connect.js";
+      script.dataset.tellerConnect = "true";
+      script.onload = () => {
+        setTellerReady(Boolean(window.TellerConnect));
+        resolve(Boolean(window.TellerConnect));
+      };
+      script.onerror = () => resolve(false);
+      document.body.appendChild(script);
+    });
   }, []);
 
   useEffect(() => {
     createLinkToken();
     loadAccounts();
-  }, [createLinkToken, loadAccounts]);
+    loadGoogleStatus();
+    loadTellerScript();
+  }, [createLinkToken, loadAccounts, loadGoogleStatus, loadTellerScript]);
 
   const onSuccess = useCallback(
-    async (publicToken: string) => {
+    async (publicToken: string | null) => {
-      const userId = localStorage.getItem("ledgerone_user_id");
+      if (linkMode === "update" && updateAccountRef) {
-      if (!userId) {
+        setStatus("Finishing bank reconnection...");
-        setStatus("Missing user id. Please sign in again.");
+        try {
+          const res = await fetch("/api/plaid/repair-complete", {
+            method: "POST",
+            headers: { "Content-Type": "application/json" },
+            body: JSON.stringify({ accountId: updateAccountRef })
+          });
+          const payload = await res.json();
+          if (!res.ok || payload.error) {
+            setStatus(payload.error?.message ?? "Unable to finish bank reconnection.");
             return;
           }
+          setStatus("Bank connection repaired.");
+          setUpdateAccountRef(null);
+          setLinkMode("connect");
+          setLinkToken(null);
+          await loadAccounts();
+          await createLinkToken();
+        } catch {
+          setStatus("Unable to finish bank reconnection.");
+        }
+        return;
+      }
+
+      if (!publicToken) {
+        setStatus("Plaid did not return a public token.");
+        return;
+      }
+
       setStatus("Exchanging public token...");
       try {
         const res = await fetch("/api/plaid/exchange", {
           method: "POST",
           headers: { "Content-Type": "application/json" },
-          body: JSON.stringify({ publicToken, userId })
+          body: JSON.stringify({ publicToken })
         });
         const payload = await res.json();
         if (!res.ok || payload.error) {
@@ -80,12 +189,14 @@ export default function ConnectPage() {
           return;
         }
         setStatus("Bank account connected.");
+        setLinkToken(null);
         await loadAccounts();
+        await createLinkToken();
       } catch {
         setStatus("Unable to exchange token.");
       }
     },
-    [loadAccounts]
+    [createLinkToken, linkMode, loadAccounts, updateAccountRef]
   );
 
   const { open, ready } = usePlaidLink({
@@ -96,15 +207,16 @@ export default function ConnectPage() {
     }
   });
 
+  useEffect(() => {
+    if (pendingOpen && ready) {
+      setPendingOpen(false);
+      open();
+    }
+  }, [open, pendingOpen, ready]);
+
   const onManualSubmit = (event: React.FormEvent) => {
     event.preventDefault();
-    const userId = localStorage.getItem("ledgerone_user_id");
-    if (!userId) {
-      setStatus("Missing user id. Please sign in again.");
-      return;
-    }
     const payload = {
-      userId,
       institutionName: manualBank,
       accountType: manualType,
       mask: manualAccount.slice(-4)
@@ -132,6 +244,105 @@ export default function ConnectPage() {
       });
   };
 
+  const startUpdateMode = async (accountRef: string) => {
+    setStatus("Requesting Plaid update-mode link token...");
+    try {
+      const res = await fetch("/api/plaid/update-link-token", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ accountId: accountRef })
+      });
+      const payload = await res.json();
+      if (!res.ok || payload.error) {
+        setStatus(payload.error?.message ?? "Unable to create update-mode link token.");
+        return;
+      }
+      const token = payload.data?.linkToken ?? payload.data?.link_token;
+      if (!token) {
+        setStatus("Unable to create update-mode link token.");
+        return;
+      }
+      setUpdateAccountRef(accountRef);
+      setLinkMode("update");
+      setLinkToken(token);
+      setStatus("Reconnect token ready. Opening Plaid...");
+      setPendingOpen(true);
+    } catch {
+      setStatus("Unable to create update-mode link token.");
+    }
+  };
+
+  const needsReconnect = (account: Account) =>
+    ["needs_reauth", "attention_required"].includes(account.syncStatus ?? "");
+
+  const startTellerConnect = async () => {
+    setStatus("Preparing Teller Connect...");
+    const loaded = await loadTellerScript();
+    if (!loaded || !window.TellerConnect) {
+      setStatus("Unable to load Teller Connect.");
+      return;
+    }
+
+    const configRes = await fetch("/api/teller/config");
+    const configPayload = await configRes.json();
+    if (!configRes.ok || configPayload.error) {
+      setStatus(configPayload.error?.message ?? "Teller is not configured.");
+      return;
+    }
+
+    const connect = window.TellerConnect.setup({
+      applicationId: configPayload.data.applicationId,
+      environment: configPayload.data.environment,
+      products: configPayload.data.products,
+      onSuccess: async (enrollment) => {
+        setStatus("Importing Teller accounts...");
+        const res = await fetch("/api/teller/enrollment", {
+          method: "POST",
+          headers: { "Content-Type": "application/json" },
+          body: JSON.stringify(enrollment)
+        });
+        const payload = await res.json();
+        if (!res.ok || payload.error) {
+          setStatus(payload.error?.message ?? "Unable to import Teller accounts.");
+          return;
+        }
+        setStatus(`Teller connected ${payload.data?.accountCount ?? 0} account(s).`);
+        await loadAccounts();
+      },
+      onExit: () => setStatus("Teller Connect closed."),
+      onFailure: () => setStatus("Teller Connect failed.")
+    });
+    connect.open();
+  };
+
+  const syncTeller = async () => {
+    setStatus("Syncing Teller transactions...");
+    const res = await fetch("/api/teller/sync", { method: "POST" });
+    const payload = await res.json();
+    if (!res.ok || payload.error) {
+      setStatus(payload.error?.message ?? "Unable to sync Teller transactions.");
+      return;
+    }
+    setStatus(`Synced ${payload.data?.created ?? 0} Teller transaction(s).`);
+    await loadAccounts();
+  };
+
+  const enableSheetsMirror = async () => {
+    setStatus("Enabling Sheets-first mirror mode...");
+    const res = await fetch("/api/google/data-system-mode", {
+      method: "POST",
+      headers: { "Content-Type": "application/json" },
+      body: JSON.stringify({ mode: "google_sheets_mirror" })
+    });
+    const payload = await res.json();
+    if (!res.ok || payload.error) {
+      setStatus(payload.error?.message ?? "Unable to enable Sheets-first mirror mode.");
+      return;
+    }
+    setStatus("Sheets-first mirror mode enabled.");
+    await loadGoogleStatus();
+  };
+
   return (
     <AppShell
       title="Connect a bank"
@@ -151,6 +362,21 @@ export default function ConnectPage() {
           >
             Connect with Plaid
           </button>
+          <button
+            type="button"
+            className="rounded-full border border-border bg-background px-5 py-2 text-sm font-semibold text-foreground hover:bg-secondary transition-colors"
+            onClick={startTellerConnect}
+          >
+            Connect with Teller
+          </button>
+          <button
+            type="button"
+            className="rounded-full border border-border bg-background px-5 py-2 text-sm font-semibold text-foreground hover:bg-secondary transition-colors disabled:opacity-50 disabled:cursor-not-allowed"
+            onClick={syncTeller}
+            disabled={!accounts.some((account) => account.tellerConnected)}
+          >
+            Sync Teller
+          </button>
           <button
             type="button"
             className="rounded-full border border-border bg-background px-5 py-2 text-sm font-semibold text-foreground hover:bg-secondary transition-colors"
@@ -167,18 +393,35 @@ export default function ConnectPage() {
             </p>
             {accounts.map((account) => (
               <div
-                key={account.id}
+                key={account.viewRef}
-                className="flex items-center justify-between rounded-xl border border-border bg-secondary/30 px-4 py-3 text-sm"
+                className="flex flex-col gap-3 rounded-xl border border-border bg-secondary/30 px-4 py-3 text-sm md:flex-row md:items-center md:justify-between"
               >
                 <div>
                   <p className="font-bold text-foreground">{account.institutionName}</p>
                   <p className="text-xs text-muted-foreground">
                     {account.accountType} {account.mask ? `- ${account.mask}` : ""}
                   </p>
+                  {account.lastSyncError ? (
+                    <p className="mt-1 text-xs text-destructive">{account.lastSyncError}</p>
+                  ) : null}
+                  {account.plaidWebhookCode ? (
+                    <p className="mt-1 text-xs text-muted-foreground">{account.plaidWebhookCode}</p>
+                  ) : null}
                 </div>
+                <div className="flex items-center gap-2">
                   <span className="rounded-full bg-primary/10 px-3 py-1 text-xs font-medium text-primary">
-                  Connected
+                    {account.tellerConnected ? "teller" : account.syncStatus ?? "connected"}
                   </span>
+                  {needsReconnect(account) ? (
+                    <button
+                      type="button"
+                      className="rounded-full bg-primary px-4 py-2 text-xs font-bold text-primary-foreground shadow-sm hover:bg-primary/90 transition-colors"
+                      onClick={() => startUpdateMode(account.viewRef)}
+                    >
+                      Reconnect
+                    </button>
+                  ) : null}
+                </div>
               </div>
             ))}
           </div>
@@ -243,9 +486,37 @@ export default function ConnectPage() {
           </form>
         ) : null}
         <p className="mt-4 text-xs text-muted-foreground">
-          Your first two connections are free. Upgrade to add unlimited accounts.
+          Free includes two connections. Pro supports ten active accounts, and Elite supports unlimited accounts.
         </p>
       </div>
+
+      <div className="glass-panel mt-6 p-6 rounded-2xl shadow-sm">
+        <h2 className="text-lg font-bold text-foreground">Google Sheets ownership</h2>
+        <p className="mt-2 text-sm text-muted-foreground">
+          Keep a user-owned Google Sheets mirror synced from Aarthalabs transaction changes.
+        </p>
+        <div className="mt-4 rounded-xl border border-border bg-secondary/30 px-4 py-3 text-sm">
+          <p className="font-semibold text-foreground">
+            {googleStatus?.connected ? `Connected: ${googleStatus.googleEmail}` : "Google is not connected"}
+          </p>
+          <p className="mt-1 text-xs text-muted-foreground">
+            Mode: {googleStatus?.dataSystem?.mode ?? "backend_db"} · Mirror: {googleStatus?.driveMirror?.status ?? "not_started"}
+          </p>
+          {googleStatus?.driveMirror?.url ? (
+            <a className="mt-2 inline-block text-xs font-semibold text-primary" href={googleStatus.driveMirror.url} target="_blank" rel="noreferrer">
+              Open Google Sheet
+            </a>
+          ) : null}
+        </div>
+        <button
+          type="button"
+          className="mt-4 rounded-full border border-border bg-background px-5 py-2 text-sm font-semibold text-foreground hover:bg-secondary transition-colors disabled:opacity-50"
+          onClick={enableSheetsMirror}
+          disabled={!googleStatus?.connected || googleStatus?.dataSystem?.mode === "google_sheets_mirror"}
+        >
+          Enable Sheets-first mirror
+        </button>
+      </div>
     </AppShell>
   );
 }

app/app/page.tsx

@@ -33,11 +33,10 @@ type MerchantInsight = {
 };
 
 type TxRow = {
-  id: string;
+  viewRef: string;
   date: string;
   description: string;
   category?: string | null;
-  accountId?: string | null;
   amount: string;
 };
 
@@ -507,14 +506,14 @@ export default function AppHomePage() {
       apiFetch<Summary>("/api/transactions/summary"),
       apiFetch<CashflowPoint[]>("/api/transactions/cashflow?months=6"),
       apiFetch<MerchantInsight[]>("/api/transactions/merchants?limit=5"),
-      apiFetch<{ accounts: { id: string }[]; total: number }>("/api/accounts"),
+      apiFetch<{ accounts: { viewRef: string }[]; total: number }>("/api/view/accounts?limit=5"),
-      apiFetch<{ transactions: TxRow[]; total: number }>("/api/transactions?limit=5"),
+      apiFetch<{ transactions: TxRow[]; total: number }>("/api/view/transactions?limit=5"),
     ])
       .then(([summaryRes, cashflowRes, merchantsRes, accountsRes, txRes]) => {
         if (!summaryRes.error) setSummary(summaryRes.data);
         if (!cashflowRes.error) setCashflow(cashflowRes.data ?? []);
         if (!merchantsRes.error) setMerchants(merchantsRes.data ?? []);
-        if (!accountsRes.error) setAccountCount(accountsRes.data?.accounts?.length ?? 0);
+        if (!accountsRes.error) setAccountCount(accountsRes.data?.total ?? accountsRes.data?.accounts?.length ?? 0);
         if (!txRes.error) setRecentTxs(txRes.data?.transactions ?? []);
       })
       .catch(() => undefined)
@@ -737,7 +736,7 @@ export default function AppHomePage() {
                   const fmtAmt = formatCurrency(amt);
                   const isIncome = amt >= 0;
                   return (
-                    <tr key={tx.id} className="border-b border-border hover:bg-secondary/30 transition-colors">
+                    <tr key={tx.viewRef} className="border-b border-border hover:bg-secondary/30 transition-colors">
                       <td className="py-3 pl-2 font-medium">{new Date(tx.date).toLocaleDateString(undefined, { month: "short", day: "numeric", year: "numeric" })}</td>
                       <td className="py-3 text-foreground font-medium">{tx.description}</td>
                       <td className="py-3">

app/auth/social/callback/page.tsx

@@ -0,0 +1,127 @@
+"use client";
+
+import { Suspense, useEffect, useState } from "react";
+import { useRouter, useSearchParams } from "next/navigation";
+import { storeAuthTokens } from "@/lib/api";
+
+type ApiResponse<T> = {
+  data: T;
+  meta: { timestamp: string; version: "v1" };
+  error: null | { message: string; code?: string };
+};
+
+type SocialAuthData = {
+  user: { id: string; email: string; fullName?: string; emailVerified?: boolean };
+  accessToken?: string;
+  refreshToken?: string;
+  next?: string;
+};
+
+function decodeProvider(state: string | null) {
+  if (!state) return "";
+  try {
+    const [body] = state.split(".");
+    const normalized = body.replace(/-/g, "+").replace(/_/g, "/").padEnd(Math.ceil(body.length / 4) * 4, "=");
+    const json = JSON.parse(atob(normalized)) as { provider?: string };
+    return json.provider === "apple" || json.provider === "google" ? json.provider : "";
+  } catch {
+    return "";
+  }
+}
+
+function SocialCallbackContent() {
+  const router = useRouter();
+  const searchParams = useSearchParams();
+  const [status, setStatus] = useState<"loading" | "success" | "error">("loading");
+  const [message, setMessage] = useState("Completing sign in...");
+
+  useEffect(() => {
+    const error = searchParams.get("error");
+    const code = searchParams.get("code");
+    const state = searchParams.get("state");
+    const provider = decodeProvider(state);
+
+    if (error) {
+      setStatus("error");
+      setMessage(error === "access_denied" ? "You declined social sign in." : `Provider returned an error: ${error}`);
+      return;
+    }
+    if (!provider || !code || !state) {
+      setStatus("error");
+      setMessage("Social sign in callback is missing required data.");
+      return;
+    }
+
+    fetch(`/api/auth/social/${provider}/callback`, {
+      method: "POST",
+      headers: { "Content-Type": "application/json" },
+      body: JSON.stringify({ code, state }),
+    })
+      .then(async (res) => {
+        const payload = (await res.json()) as ApiResponse<SocialAuthData>;
+        if (!res.ok || payload.error) throw new Error(payload.error?.message ?? "Social sign in failed.");
+        storeAuthTokens({
+          user: payload.data.user,
+        });
+        setStatus("success");
+        setMessage(`Signed in as ${payload.data.user.email}.`);
+        setTimeout(() => router.replace(payload.data.next || "/app"), 800);
+      })
+      .catch((err: Error) => {
+        setStatus("error");
+        setMessage(err.message || "Social sign in failed.");
+      });
+  }, [router, searchParams]);
+
+  return (
+    <div className="min-h-screen flex items-center justify-center bg-background px-6">
+      <div className="glass-panel rounded-2xl p-10 text-center max-w-sm w-full shadow-lg">
+        {status === "loading" && (
+          <>
+            <div className="h-12 w-12 rounded-full border-4 border-primary border-t-transparent animate-spin mx-auto mb-4" />
+            <p className="text-sm text-muted-foreground">{message}</p>
+          </>
+        )}
+        {status === "success" && (
+          <>
+            <div className="h-12 w-12 rounded-full bg-green-500/10 flex items-center justify-center mx-auto mb-4">
+              <svg className="h-6 w-6 text-green-500" fill="none" viewBox="0 0 24 24" stroke="currentColor">
+                <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M5 13l4 4L19 7" />
+              </svg>
+            </div>
+            <p className="text-sm font-semibold text-foreground">Signed in</p>
+            <p className="text-xs text-muted-foreground mt-1">{message}</p>
+          </>
+        )}
+        {status === "error" && (
+          <>
+            <div className="h-12 w-12 rounded-full bg-red-500/10 flex items-center justify-center mx-auto mb-4">
+              <svg className="h-6 w-6 text-red-500" fill="none" viewBox="0 0 24 24" stroke="currentColor">
+                <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M6 18L18 6M6 6l12 12" />
+              </svg>
+            </div>
+            <p className="text-sm font-semibold text-foreground">Sign in failed</p>
+            <p className="text-xs text-muted-foreground mt-1">{message}</p>
+            <button onClick={() => router.replace("/login")} className="mt-4 text-xs text-primary hover:underline">
+              Back to sign in
+            </button>
+          </>
+        )}
+      </div>
+    </div>
+  );
+}
+
+export default function SocialCallbackPage() {
+  return (
+    <Suspense
+      fallback={
+        <div className="min-h-screen flex items-center justify-center bg-background">
+          <div className="h-12 w-12 rounded-full border-4 border-primary border-t-transparent animate-spin" />
+        </div>
+      }
+    >
+      <SocialCallbackContent />
+    </Suspense>
+  );
+}

app/bills/page.tsx

@@ -0,0 +1,324 @@
+"use client";
+
+import { useEffect, useMemo, useState } from "react";
+import { AppShell } from "@/components/app-shell";
+import { apiFetch } from "@/lib/api";
+
+type Payee = {
+  id: string;
+  name: string;
+  category?: string | null;
+  accountNumberLast4?: string | null;
+};
+
+type Bill = {
+  id: string;
+  payeeId?: string | null;
+  name: string;
+  amount: string | number;
+  currency: string;
+  dueDate: string;
+  status: "pending" | "scheduled" | "paid" | "skipped" | "cancelled";
+  computedStatus: string;
+  recurrence: string;
+  autopay: boolean;
+  reminderDays: number;
+  paidAt?: string | null;
+  payee?: Payee | null;
+};
+
+type BillSummary = {
+  activeCount: number;
+  upcomingCount: number;
+  overdueCount: number;
+  totalDueNext30: string;
+};
+
+const today = new Date().toISOString().slice(0, 10);
+
+export default function BillsPage() {
+  const [payees, setPayees] = useState<Payee[]>([]);
+  const [bills, setBills] = useState<Bill[]>([]);
+  const [summary, setSummary] = useState<BillSummary | null>(null);
+  const [status, setStatus] = useState("");
+  const [filter, setFilter] = useState("all");
+  const [payeeForm, setPayeeForm] = useState({ name: "", category: "", accountNumberLast4: "" });
+  const [billForm, setBillForm] = useState({
+    payeeId: "",
+    name: "",
+    amount: "",
+    dueDate: today,
+    status: "pending",
+    recurrence: "none",
+    autopay: false,
+    reminderDays: "3",
+    notes: "",
+  });
+
+  const filteredBills = useMemo(() => {
+    if (filter === "all") return bills;
+    if (filter === "overdue") return bills.filter((bill) => bill.computedStatus === "overdue");
+    return bills.filter((bill) => bill.status === filter);
+  }, [bills, filter]);
+
+  const money = (value: string | number, currency = "USD") =>
+    new Intl.NumberFormat("en-US", { style: "currency", currency }).format(Number(value ?? 0));
+
+  const load = async () => {
+    const [payeesRes, billsRes, summaryRes] = await Promise.all([
+      apiFetch<Payee[]>("/api/bill-pay/payees"),
+      apiFetch<Bill[]>("/api/bill-pay/bills"),
+      apiFetch<BillSummary>("/api/bill-pay/summary"),
+    ]);
+    if (!payeesRes.error) setPayees(payeesRes.data ?? []);
+    if (!billsRes.error) setBills(billsRes.data ?? []);
+    if (!summaryRes.error) setSummary(summaryRes.data ?? null);
+  };
+
+  useEffect(() => {
+    load().catch(() => setStatus("Unable to load bills."));
+  }, []);
+
+  const createPayee = async () => {
+    if (!payeeForm.name.trim()) {
+      setStatus("Payee name is required.");
+      return;
+    }
+    const res = await apiFetch<Payee>("/api/bill-pay/payees", {
+      method: "POST",
+      body: JSON.stringify(payeeForm),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to create payee.");
+      return;
+    }
+    setPayeeForm({ name: "", category: "", accountNumberLast4: "" });
+    setStatus("Payee created.");
+    await load();
+  };
+
+  const createBill = async () => {
+    if (!billForm.name.trim() || !billForm.amount || !billForm.dueDate) {
+      setStatus("Bill name, amount, and due date are required.");
+      return;
+    }
+    const payload = {
+      ...billForm,
+      payeeId: billForm.payeeId || undefined,
+      amount: Number(billForm.amount),
+      reminderDays: Number(billForm.reminderDays || 3),
+    };
+    const res = await apiFetch<Bill>("/api/bill-pay/bills", {
+      method: "POST",
+      body: JSON.stringify(payload),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to create bill.");
+      return;
+    }
+    setBillForm({ payeeId: "", name: "", amount: "", dueDate: today, status: "pending", recurrence: "none", autopay: false, reminderDays: "3", notes: "" });
+    setStatus("Bill created.");
+    await load();
+  };
+
+  const markPaid = async (bill: Bill) => {
+    const res = await apiFetch(`/api/bill-pay/bills/${bill.id}/pay`, {
+      method: "POST",
+      body: JSON.stringify({
+        amount: Number(bill.amount),
+        paidAt: new Date().toISOString(),
+        method: bill.autopay ? "autopay" : "manual",
+      }),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to mark bill paid.");
+      return;
+    }
+    setStatus(`${bill.name} marked paid.`);
+    await load();
+  };
+
+  const initiatePayment = async (bill: Bill) => {
+    const res = await apiFetch(`/api/bill-pay/bills/${bill.id}/initiate-payment`, {
+      method: "POST",
+      body: JSON.stringify({
+        amount: Number(bill.amount),
+        scheduledFor: new Date().toISOString(),
+        method: "ach",
+        memo: `Aarthalabs payment for ${bill.name}`,
+      }),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to initiate payment.");
+      return;
+    }
+    setStatus(`${bill.name} payment initiated.`);
+    await load();
+  };
+
+  const updateStatus = async (bill: Bill, nextStatus: Bill["status"]) => {
+    const res = await apiFetch(`/api/bill-pay/bills/${bill.id}`, {
+      method: "PATCH",
+      body: JSON.stringify({ status: nextStatus }),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to update bill.");
+      return;
+    }
+    setStatus("Bill updated.");
+    await load();
+  };
+
+  const inputCls = "mt-2 w-full rounded-xl border border-border bg-background/50 px-4 py-2 text-sm text-foreground focus:border-primary focus:ring-primary focus:outline-none";
+  const labelCls = "text-xs text-muted-foreground font-semibold uppercase tracking-wider";
+
+  return (
+    <AppShell title="Bills" subtitle="Track payees, due dates, reminders, and recorded payments.">
+      <div className="space-y-6">
+        <div className="grid gap-4 md:grid-cols-4">
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Active bills</p>
+            <p className="mt-2 text-2xl font-bold text-foreground">{summary?.activeCount ?? 0}</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Due next 30 days</p>
+            <p className="mt-2 text-2xl font-bold text-foreground">{summary?.upcomingCount ?? 0}</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Overdue</p>
+            <p className="mt-2 text-2xl font-bold text-foreground">{summary?.overdueCount ?? 0}</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Total due next 30 days</p>
+            <p className="mt-2 text-2xl font-bold text-foreground">{money(summary?.totalDueNext30 ?? 0)}</p>
+          </div>
+        </div>
+
+        <div className="grid gap-6 lg:grid-cols-[0.85fr_1.15fr]">
+          <section className="rounded-xl border border-border bg-secondary/10 p-6">
+            <p className="text-sm font-bold text-foreground">Payees</p>
+            <div className="mt-4 grid gap-3">
+              <div>
+                <label className={labelCls}>Name</label>
+                <input value={payeeForm.name} onChange={(event) => setPayeeForm((prev) => ({ ...prev, name: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Category</label>
+                <input value={payeeForm.category} onChange={(event) => setPayeeForm((prev) => ({ ...prev, category: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Account last 4</label>
+                <input maxLength={4} value={payeeForm.accountNumberLast4} onChange={(event) => setPayeeForm((prev) => ({ ...prev, accountNumberLast4: event.target.value }))} className={inputCls} />
+              </div>
+              <button onClick={createPayee} className="rounded-lg bg-primary px-4 py-2.5 text-sm font-bold text-primary-foreground hover:bg-primary/90">Add Payee</button>
+            </div>
+            <div className="mt-6 divide-y divide-border">
+              {payees.length === 0 && <p className="py-4 text-sm text-muted-foreground">No payees yet.</p>}
+              {payees.map((payee) => (
+                <div key={payee.id} className="py-3">
+                  <p className="text-sm font-semibold text-foreground">{payee.name}</p>
+                  <p className="text-xs text-muted-foreground">{payee.category || "Uncategorized"}{payee.accountNumberLast4 ? ` · ${payee.accountNumberLast4}` : ""}</p>
+                </div>
+              ))}
+            </div>
+          </section>
+
+          <section className="rounded-xl border border-border bg-secondary/10 p-6">
+            <p className="text-sm font-bold text-foreground">New Bill</p>
+            <div className="mt-4 grid gap-4 md:grid-cols-2">
+              <div>
+                <label className={labelCls}>Payee</label>
+                <select value={billForm.payeeId} onChange={(event) => setBillForm((prev) => ({ ...prev, payeeId: event.target.value }))} className={inputCls}>
+                  <option value="">No payee</option>
+                  {payees.map((payee) => <option key={payee.id} value={payee.id}>{payee.name}</option>)}
+                </select>
+              </div>
+              <div>
+                <label className={labelCls}>Bill name</label>
+                <input value={billForm.name} onChange={(event) => setBillForm((prev) => ({ ...prev, name: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Amount</label>
+                <input type="number" step="0.01" value={billForm.amount} onChange={(event) => setBillForm((prev) => ({ ...prev, amount: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Due date</label>
+                <input type="date" value={billForm.dueDate} onChange={(event) => setBillForm((prev) => ({ ...prev, dueDate: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Recurrence</label>
+                <select value={billForm.recurrence} onChange={(event) => setBillForm((prev) => ({ ...prev, recurrence: event.target.value }))} className={inputCls}>
+                  <option value="none">None</option>
+                  <option value="weekly">Weekly</option>
+                  <option value="monthly">Monthly</option>
+                  <option value="quarterly">Quarterly</option>
+                  <option value="yearly">Yearly</option>
+                </select>
+              </div>
+              <div>
+                <label className={labelCls}>Reminder days</label>
+                <input type="number" min={0} max={30} value={billForm.reminderDays} onChange={(event) => setBillForm((prev) => ({ ...prev, reminderDays: event.target.value }))} className={inputCls} />
+              </div>
+              <label className="flex items-center gap-2 text-sm text-foreground">
+                <input type="checkbox" checked={billForm.autopay} onChange={(event) => setBillForm((prev) => ({ ...prev, autopay: event.target.checked }))} className="rounded border-border text-primary focus:ring-primary" />
+                Autopay enabled externally
+              </label>
+              <button onClick={createBill} className="rounded-lg bg-primary px-4 py-2.5 text-sm font-bold text-primary-foreground hover:bg-primary/90">Add Bill</button>
+            </div>
+            {status && <p className="mt-4 rounded-lg border border-border bg-background/60 px-4 py-3 text-sm text-muted-foreground">{status}</p>}
+          </section>
+        </div>
+
+        <section className="rounded-xl border border-border bg-secondary/10 p-6">
+          <div className="flex flex-col gap-3 md:flex-row md:items-center md:justify-between">
+            <p className="text-sm font-bold text-foreground">Bill Schedule</p>
+            <select value={filter} onChange={(event) => setFilter(event.target.value)} className="rounded-lg border border-border bg-background/50 px-3 py-2 text-sm text-foreground">
+              <option value="all">All</option>
+              <option value="pending">Pending</option>
+              <option value="scheduled">Scheduled</option>
+              <option value="overdue">Overdue</option>
+              <option value="paid">Paid</option>
+              <option value="skipped">Skipped</option>
+              <option value="cancelled">Cancelled</option>
+            </select>
+          </div>
+
+          <div className="mt-4 divide-y divide-border">
+            {filteredBills.length === 0 && <p className="py-8 text-sm text-muted-foreground">No bills for this view.</p>}
+            {filteredBills.map((bill) => (
+              <article key={bill.id} className="py-4">
+                <div className="flex flex-col gap-3 md:flex-row md:items-start md:justify-between">
+                  <div>
+                    <div className="flex flex-wrap items-center gap-2">
+                      <p className="text-sm font-bold text-foreground">{bill.name}</p>
+                      <span className="rounded-full border border-border px-2 py-0.5 text-xs text-muted-foreground">{bill.computedStatus}</span>
+                      {bill.autopay && <span className="rounded-full bg-primary/10 px-2 py-0.5 text-xs text-primary">autopay</span>}
+                    </div>
+                    <p className="mt-1 text-sm text-muted-foreground">
+                      {money(bill.amount, bill.currency)} due {new Date(bill.dueDate).toLocaleDateString()} · {bill.recurrence}
+                    </p>
+                    {bill.payee && <p className="mt-1 text-xs text-muted-foreground">Payee: {bill.payee.name}</p>}
+                  </div>
+                  <div className="flex flex-wrap gap-2">
+                    {bill.status !== "paid" && (
+                      <button onClick={() => initiatePayment(bill)} className="rounded-lg bg-primary px-3 py-2 text-xs font-bold text-primary-foreground hover:bg-primary/90">Initiate Payment</button>
+                    )}
+                    {bill.status !== "paid" && (
+                      <button onClick={() => markPaid(bill)} className="rounded-lg border border-primary/30 px-3 py-2 text-xs font-bold text-primary hover:bg-primary/10">Mark Paid</button>
+                    )}
+                    {bill.status !== "skipped" && bill.status !== "paid" && (
+                      <button onClick={() => updateStatus(bill, "skipped")} className="rounded-lg border border-border px-3 py-2 text-xs font-medium text-foreground hover:bg-secondary/40">Skip</button>
+                    )}
+                    {bill.status !== "cancelled" && bill.status !== "paid" && (
+                      <button onClick={() => updateStatus(bill, "cancelled")} className="rounded-lg border border-border px-3 py-2 text-xs font-medium text-foreground hover:bg-secondary/40">Cancel</button>
+                    )}
+                  </div>
+                </div>
+              </article>
+            ))}
+          </div>
+        </section>
+      </div>
+    </AppShell>
+  );
+}

app/blog/page.tsx

@@ -42,7 +42,7 @@ export default function BlogPage() {
     {
       "@context": "https://schema.org",
       "@type": "WebPage",
-      name: "LedgerOne Blog",
+      name: "Aarthalabs Blog",
       description: "Insights on financial control, audit readiness, and ledger automation.",
       url: `${siteInfo.url}/blog`
     },

app/book-demo/page.tsx

@@ -15,7 +15,7 @@ const inputClass =
 export const metadata = {
   title: "Book a Demo",
   description:
-    "Book a LedgerOne demo to see audit-ready ledgering and transparent rules in action.",
+    "Book a Aarthalabs demo to see audit-ready ledgering and transparent rules in action.",
   keywords: siteInfo.keywords
 };
 
@@ -24,9 +24,9 @@ export default function BookDemoPage() {
     {
       "@context": "https://schema.org",
       "@type": "WebPage",
-      name: "Book a LedgerOne Demo",
+      name: "Book a Aarthalabs Demo",
       description:
-        "Book a LedgerOne demo to see audit-ready ledgering and transparent rules in action.",
+        "Book a Aarthalabs demo to see audit-ready ledgering and transparent rules in action.",
       url: `${siteInfo.url}/book-demo`
     },
     {
@@ -52,7 +52,7 @@ export default function BookDemoPage() {
                 Book a demo
               </div>
               <h1 className="text-4xl font-bold tracking-tight text-foreground sm:text-5xl leading-tight">
-                Schedule time with the LedgerOne team.
+                Schedule time with the Aarthalabs team.
               </h1>
               <p className="text-lg text-muted-foreground">
                 We will walk you through account connections, rule automation, and

app/compare/vs-copilot/page.tsx

@@ -6,8 +6,8 @@ import { PageSchema } from "../../../components/page-schema";
 import { siteInfo } from "../../../data/site";
 
 export const metadata = {
-    title: "LedgerOne vs Copilot",
+    title: "Aarthalabs vs Copilot",
-    description: "Compare LedgerOne's cross-platform business solution with Copilot's personal finance app.",
+    description: "Compare Aarthalabs's cross-platform business solution with Copilot's personal finance app.",
     keywords: siteInfo.keywords
 };
 
@@ -16,8 +16,8 @@ export default function CompareCopilotPage() {
         {
             "@context": "https://schema.org",
             "@type": "WebPage",
-            name: "LedgerOne vs Copilot",
+            name: "Aarthalabs vs Copilot",
-            description: "Comparison of LedgerOne and Copilot.",
+            description: "Comparison of Aarthalabs and Copilot.",
             url: `${siteInfo.url}/compare/vs-copilot`
         }
     ];
@@ -36,14 +36,14 @@ export default function CompareCopilotPage() {
                             Financial control for everyone.
                         </h1>
                         <p className="text-lg text-muted-foreground">
-                            Copilot is great for iPhone users. LedgerOne is for serious business owners who need access everywhere, on any device.
+                            Copilot is great for iPhone users. Aarthalabs is for serious business owners who need access everywhere, on any device.
                         </p>
                     </div>
 
                     <div className="glass-panel rounded-3xl overflow-hidden shadow-sm border border-border">
                         <div className="grid grid-cols-3 bg-secondary/30 border-b border-border p-6 text-sm font-bold text-muted-foreground uppercase tracking-wider">
                             <div className="col-span-1">Feature</div>
-                            <div className="col-span-1 text-center text-foreground">LedgerOne</div>
+                            <div className="col-span-1 text-center text-foreground">Aarthalabs</div>
                             <div className="col-span-1 text-center">Copilot</div>
                         </div>
 

app/compare/vs-monarch/page.tsx

@@ -0,0 +1,91 @@
+import Link from "next/link";
+import { Background } from "../../../components/background";
+import { SiteFooter } from "../../../components/site-footer";
+import { SiteHeader } from "../../../components/site-header";
+import { PageSchema } from "../../../components/page-schema";
+import { siteInfo } from "../../../data/site";
+
+export const metadata = {
+  title: "Aarthalabs vs Monarch Money",
+  description:
+    "Compare Aarthalabs's export-first ledger workflow with Monarch Money's household finance platform.",
+  keywords: siteInfo.keywords
+};
+
+export default function CompareMonarchPage() {
+  const schema = [
+    {
+      "@context": "https://schema.org",
+      "@type": "WebPage",
+      name: "Aarthalabs vs Monarch Money",
+      description: "Comparison of Aarthalabs and Monarch Money.",
+      url: `${siteInfo.url}/compare/vs-monarch`
+    }
+  ];
+
+  const rows = [
+    { feature: "Primary Focus", l1: "Export-ready ledgers and audit workflow", sheet: "Household budgeting and net worth" },
+    { feature: "Exports", l1: "CSV, JSON, XLSX, PDF, and Google Sheets", sheet: "Consumer finance exports" },
+    { feature: "Rules", l1: "Transparent rules with regex and DSL mode", sheet: "Consumer categorization rules" },
+    { feature: "Data Ownership", l1: "User-owned Google Sheets mirror plus secured exports", sheet: "App-managed financial workspace" },
+    { feature: "Developer Access", l1: "Public API key flow for power users", sheet: "No public API-first workflow" },
+    { feature: "Tax Workflow", l1: "Tax intake, package export, and sandbox e-file flow", sheet: "Personal finance reporting" },
+  ];
+
+  return (
+    <div className="page-soft-bg min-h-screen font-sans text-foreground flex flex-col relative overflow-hidden">
+      <Background />
+      <SiteHeader />
+      <main className="relative z-10 flex-1 pt-24 pb-16">
+        <div className="max-w-7xl mx-auto px-6 lg:px-8">
+          <div className="text-center max-w-3xl mx-auto mb-10">
+            <div className="inline-flex items-center gap-2 px-3 py-1 rounded-full bg-secondary/50 border border-border text-xs font-medium text-muted-foreground mb-6">
+              Comparison
+            </div>
+            <h1 className="text-4xl font-bold tracking-tight text-foreground sm:text-5xl mb-6">
+              Built for ledger control, not just household tracking.
+            </h1>
+            <p className="text-lg text-muted-foreground">
+              Monarch Money is built around household financial visibility. Aarthalabs is built for users who need structured transactions, export control, rules, audit trails, and tax-ready handoff.
+            </p>
+          </div>
+
+          <div className="glass-panel rounded-3xl overflow-hidden shadow-sm border border-border">
+            <div className="grid grid-cols-3 bg-secondary/30 border-b border-border p-6 text-sm font-bold text-muted-foreground uppercase tracking-wider">
+              <div className="col-span-1">Feature</div>
+              <div className="col-span-1 text-center text-foreground">Aarthalabs</div>
+              <div className="col-span-1 text-center">Monarch Money</div>
+            </div>
+
+            {rows.map((row, index) => (
+              <div key={row.feature} className={`grid grid-cols-3 p-6 items-center border-b border-border last:border-0 ${index % 2 === 0 ? "bg-background/50" : "bg-secondary/10"}`}>
+                <div className="col-span-1 font-medium text-foreground">{row.feature}</div>
+                <div className="col-span-1 text-center font-bold text-primary flex justify-center items-center gap-2">
+                  <svg className="w-5 h-5" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+                    <path strokeLinecap="round" strokeLinejoin="round" strokeWidth="2" d="M5 13l4 4L19 7" />
+                  </svg>
+                  {row.l1}
+                </div>
+                <div className="col-span-1 text-center text-muted-foreground">
+                  {row.sheet}
+                </div>
+              </div>
+            ))}
+          </div>
+
+          <div className="mt-16 text-center">
+            <h2 className="text-2xl font-bold text-foreground mb-6">Need export-first financial control?</h2>
+            <Link href="/register" className="btn-primary">
+              Start your free trial
+            </Link>
+          </div>
+        </div>
+      </main>
+
+      <div className="relative z-10">
+        <SiteFooter />
+      </div>
+      <PageSchema schema={schema} />
+    </div>
+  );
+}

app/compare/vs-quicken/page.tsx

@@ -6,8 +6,8 @@ import { PageSchema } from "../../../components/page-schema";
 import { siteInfo } from "../../../data/site";
 
 export const metadata = {
-    title: "LedgerOne vs Quicken",
+    title: "Aarthalabs vs Quicken",
-    description: "Move from legacy desktop software to LedgerOne's modern, cloud-native financial platform.",
+    description: "Move from legacy desktop software to Aarthalabs's modern, cloud-native financial platform.",
     keywords: siteInfo.keywords
 };
 
@@ -16,8 +16,8 @@ export default function CompareQuickenPage() {
         {
             "@context": "https://schema.org",
             "@type": "WebPage",
-            name: "LedgerOne vs Quicken",
+            name: "Aarthalabs vs Quicken",
-            description: "Comparison of LedgerOne and Quicken.",
+            description: "Comparison of Aarthalabs and Quicken.",
             url: `${siteInfo.url}/compare/vs-quicken`
         }
     ];
@@ -36,14 +36,14 @@ export default function CompareQuickenPage() {
                             The modern alternative to Quicken.
                         </h1>
                         <p className="text-lg text-muted-foreground">
-                            Stop syncing desktop files. LedgerOne gives you the power of Quicken with the speed, security, and accessibility of the modern web.
+                            Stop syncing desktop files. Aarthalabs gives you the power of Quicken with the speed, security, and accessibility of the modern web.
                         </p>
                     </div>
 
                     <div className="glass-panel rounded-3xl overflow-hidden shadow-sm border border-border">
                         <div className="grid grid-cols-3 bg-secondary/30 border-b border-border p-6 text-sm font-bold text-muted-foreground uppercase tracking-wider">
                             <div className="col-span-1">Feature</div>
-                            <div className="col-span-1 text-center text-foreground">LedgerOne</div>
+                            <div className="col-span-1 text-center text-foreground">Aarthalabs</div>
                             <div className="col-span-1 text-center">Quicken</div>
                         </div>
 

app/compare/vs-spreadsheets/page.tsx

@@ -6,8 +6,8 @@ import { PageSchema } from "../../../components/page-schema";
 import { siteInfo } from "../../../data/site";
 
 export const metadata = {
-    title: "LedgerOne vs Spreadsheets",
+    title: "Aarthalabs vs Spreadsheets",
-    description: "See why modern businesses are switching from manual spreadsheets to LedgerOne's automated financial platform.",
+    description: "See why modern businesses are switching from manual spreadsheets to Aarthalabs's automated financial platform.",
     keywords: siteInfo.keywords
 };
 
@@ -16,8 +16,8 @@ export default function CompareSpreadsheetsPage() {
         {
             "@context": "https://schema.org",
             "@type": "WebPage",
-            name: "LedgerOne vs Spreadsheets",
+            name: "Aarthalabs vs Spreadsheets",
-            description: "Comparison of LedgerOne automated platform versus manual spreadsheets.",
+            description: "Comparison of Aarthalabs automated platform versus manual spreadsheets.",
             url: `${siteInfo.url}/compare/vs-spreadsheets`
         }
     ];
@@ -36,14 +36,14 @@ export default function CompareSpreadsheetsPage() {
                             Stop breaking your spreadsheets.
                         </h1>
                         <p className="text-lg text-muted-foreground">
-                            Spreadsheets are great for scratchpads, but terrible for financial systems. See why LedgerOne is the upgrade your business needs.
+                            Spreadsheets are great for scratchpads, but terrible for financial systems. See why Aarthalabs is the upgrade your business needs.
                         </p>
                     </div>
 
                     <div className="glass-panel rounded-3xl overflow-hidden shadow-sm border border-border">
                         <div className="grid grid-cols-3 bg-secondary/30 border-b border-border p-6 text-sm font-bold text-muted-foreground uppercase tracking-wider">
                             <div className="col-span-1">Feature</div>
-                            <div className="col-span-1 text-center text-foreground">LedgerOne</div>
+                            <div className="col-span-1 text-center text-foreground">Aarthalabs</div>
                             <div className="col-span-1 text-center">Spreadsheets</div>
                         </div>
 

app/compare/vs-ynab/page.tsx

@@ -6,8 +6,8 @@ import { PageSchema } from "../../../components/page-schema";
 import { siteInfo } from "../../../data/site";
 
 export const metadata = {
-    title: "LedgerOne vs YNAB",
+    title: "Aarthalabs vs YNAB",
-    description: "Compare LedgerOne's audit-ready financial platform with YNAB's zero-based budgeting tool.",
+    description: "Compare Aarthalabs's audit-ready financial platform with YNAB's zero-based budgeting tool.",
     keywords: siteInfo.keywords
 };
 
@@ -16,8 +16,8 @@ export default function CompareYnabPage() {
         {
             "@context": "https://schema.org",
             "@type": "WebPage",
-            name: "LedgerOne vs YNAB",
+            name: "Aarthalabs vs YNAB",
-            description: "Comparison of LedgerOne and YNAB.",
+            description: "Comparison of Aarthalabs and YNAB.",
             url: `${siteInfo.url}/compare/vs-ynab`
         }
     ];
@@ -36,14 +36,14 @@ export default function CompareYnabPage() {
                             Beyond Budgeting.
                         </h1>
                         <p className="text-lg text-muted-foreground">
-                            YNAB is great for personal envelopes. LedgerOne is built for business growth, audit trails, and total financial control.
+                            YNAB is great for personal envelopes. Aarthalabs is built for business growth, audit trails, and total financial control.
                         </p>
                     </div>
 
                     <div className="glass-panel rounded-3xl overflow-hidden shadow-sm border border-border">
                         <div className="grid grid-cols-3 bg-secondary/30 border-b border-border p-6 text-sm font-bold text-muted-foreground uppercase tracking-wider">
                             <div className="col-span-1">Feature</div>
-                            <div className="col-span-1 text-center text-foreground">LedgerOne</div>
+                            <div className="col-span-1 text-center text-foreground">Aarthalabs</div>
                             <div className="col-span-1 text-center">YNAB</div>
                         </div>
 

app/contact/page.tsx

@@ -9,7 +9,7 @@ import { siteInfo } from "../../data/site";
 
 export const metadata = {
   title: "Contact Us",
-  description: "Get in touch with the LedgerOne team for support, sales, or partnerships.",
+  description: "Get in touch with the Aarthalabs team for support, sales, or partnerships.",
   keywords: siteInfo.keywords
 };
 
@@ -18,8 +18,8 @@ export default function ContactPage() {
     {
       "@context": "https://schema.org",
       "@type": "WebPage",
-      name: "Contact LedgerOne",
+      name: "Contact Aarthalabs",
-      description: "Get in touch with the LedgerOne team for support, sales, or partnerships.",
+      description: "Get in touch with the Aarthalabs team for support, sales, or partnerships.",
       url: `${siteInfo.url}/contact`
     },
     {
@@ -116,7 +116,7 @@ export default function ContactPage() {
                     <svg className="h-5 w-5 text-primary" fill="none" viewBox="0 0 24 24" stroke="currentColor">
                       <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M3 8l7.89 5.26a2 2 0 002.22 0L21 8M5 19h14a2 2 0 002-2V7a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z" />
                     </svg>
-                    support@ledgerone.com
+                    support@aarthalabs.com
                   </p>
                   <p className="flex items-center gap-3">
                     <svg className="h-5 w-5 text-primary" fill="none" viewBox="0 0 24 24" stroke="currentColor">

app/credit-score/page.tsx

@@ -0,0 +1,266 @@
+"use client";
+
+import { useEffect, useMemo, useState } from "react";
+import { AppShell } from "@/components/app-shell";
+import { apiFetch } from "@/lib/api";
+
+type CreditScoreEntry = {
+  id: string;
+  score: number;
+  bureau: string;
+  source: string;
+  model: string;
+  scoreDate: string;
+  factors?: Record<string, unknown>;
+  change?: number | null;
+};
+
+type CreditScoreSummary = {
+  latest: CreditScoreEntry | null;
+  previous: CreditScoreEntry | null;
+  change: number | null;
+  averageScore: number | null;
+  entryCount: number;
+  latestByBureau: CreditScoreEntry[];
+  trend: CreditScoreEntry[];
+};
+
+const bureaus = [
+  { value: "experian", label: "Experian" },
+  { value: "equifax", label: "Equifax" },
+  { value: "transunion", label: "TransUnion" },
+  { value: "unknown", label: "Unknown" },
+];
+
+const today = new Date().toISOString().slice(0, 10);
+
+export default function CreditScorePage() {
+  const [summary, setSummary] = useState<CreditScoreSummary | null>(null);
+  const [entries, setEntries] = useState<CreditScoreEntry[]>([]);
+  const [filter, setFilter] = useState("all");
+  const [status, setStatus] = useState("");
+  const [form, setForm] = useState({
+    score: "",
+    bureau: "experian",
+    source: "manual",
+    model: "fico_8",
+    scoreDate: today,
+    positiveFactors: "",
+    negativeFactors: "",
+  });
+
+  const filteredEntries = useMemo(() => {
+    if (filter === "all") return entries;
+    return entries.filter((entry) => entry.bureau === filter);
+  }, [entries, filter]);
+
+  const scoreBand = (score?: number | null) => {
+    if (!score) return "No score";
+    if (score >= 800) return "Exceptional";
+    if (score >= 740) return "Very good";
+    if (score >= 670) return "Good";
+    if (score >= 580) return "Fair";
+    return "Needs work";
+  };
+
+  const load = async () => {
+    const query = filter === "all" ? "" : `?bureau=${filter}`;
+    const [summaryRes, entriesRes] = await Promise.all([
+      apiFetch<CreditScoreSummary>("/api/credit-score/summary"),
+      apiFetch<CreditScoreEntry[]>(`/api/credit-score/entries${query}`),
+    ]);
+    if (!summaryRes.error) setSummary(summaryRes.data ?? null);
+    if (!entriesRes.error) setEntries(entriesRes.data ?? []);
+  };
+
+  useEffect(() => {
+    load().catch(() => setStatus("Unable to load credit score history."));
+  }, [filter]);
+
+  const addEntry = async () => {
+    const score = Number(form.score);
+    if (!score || score < 300 || score > 850) {
+      setStatus("Score must be between 300 and 850.");
+      return;
+    }
+    const factors = {
+      positive: form.positiveFactors.split(",").map((item) => item.trim()).filter(Boolean),
+      negative: form.negativeFactors.split(",").map((item) => item.trim()).filter(Boolean),
+    };
+    const res = await apiFetch<CreditScoreEntry>("/api/credit-score/entries", {
+      method: "POST",
+      body: JSON.stringify({
+        score,
+        bureau: form.bureau,
+        source: form.source,
+        model: form.model,
+        scoreDate: form.scoreDate,
+        factors,
+      }),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to add score entry.");
+      return;
+    }
+    const change = res.data?.change;
+    setStatus(change === null || change === undefined ? "Credit score entry added." : `Credit score entry added. Change: ${change > 0 ? "+" : ""}${change}.`);
+    setForm((prev) => ({ ...prev, score: "", positiveFactors: "", negativeFactors: "" }));
+    await load();
+  };
+
+  const pullScore = async () => {
+    const bureau = ["experian", "equifax", "transunion"].includes(form.bureau) ? form.bureau : "experian";
+    const res = await apiFetch<CreditScoreEntry>("/api/credit-score/pull", {
+      method: "POST",
+      body: JSON.stringify({
+        bureau,
+        consent: {
+          acceptedAt: new Date().toISOString(),
+          purpose: "credit_score_monitoring",
+        },
+      }),
+    });
+    if (res.error) {
+      setStatus(res.error.message ?? "Unable to pull credit score.");
+      return;
+    }
+    setStatus(`${bureau} score pulled: ${res.data.score}.`);
+    await load();
+  };
+
+  const inputCls = "mt-2 w-full rounded-xl border border-border bg-background/50 px-4 py-2 text-sm text-foreground focus:border-primary focus:ring-primary focus:outline-none";
+  const labelCls = "text-xs text-muted-foreground font-semibold uppercase tracking-wider";
+
+  return (
+    <AppShell title="Credit Score" subtitle="Track bureau scores, history, factors, and score movement alerts.">
+      <div className="space-y-6">
+        <div className="grid gap-4 md:grid-cols-4">
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Latest score</p>
+            <p className="mt-2 text-3xl font-bold text-foreground">{summary?.latest?.score ?? "--"}</p>
+            <p className="mt-1 text-xs text-muted-foreground">{scoreBand(summary?.latest?.score)}</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Last change</p>
+            <p className="mt-2 text-3xl font-bold text-foreground">
+              {summary?.change === null || summary?.change === undefined ? "--" : `${summary.change > 0 ? "+" : ""}${summary.change}`}
+            </p>
+            <p className="mt-1 text-xs text-muted-foreground">Compared with previous same-bureau entry</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Average score</p>
+            <p className="mt-2 text-3xl font-bold text-foreground">{summary?.averageScore ?? "--"}</p>
+            <p className="mt-1 text-xs text-muted-foreground">Across saved entries</p>
+          </div>
+          <div className="rounded-xl border border-border bg-secondary/10 p-5">
+            <p className="text-xs text-muted-foreground">Entries</p>
+            <p className="mt-2 text-3xl font-bold text-foreground">{summary?.entryCount ?? 0}</p>
+            <p className="mt-1 text-xs text-muted-foreground">Manual or imported history</p>
+          </div>
+        </div>
+
+        <div className="grid gap-6 lg:grid-cols-[0.9fr_1.1fr]">
+          <section className="rounded-xl border border-border bg-secondary/10 p-6">
+            <p className="text-sm font-bold text-foreground">Add Score Entry</p>
+            <div className="mt-4 grid gap-4 md:grid-cols-2">
+              <div>
+                <label className={labelCls}>Score</label>
+                <input type="number" min={300} max={850} value={form.score} onChange={(event) => setForm((prev) => ({ ...prev, score: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Bureau</label>
+                <select value={form.bureau} onChange={(event) => setForm((prev) => ({ ...prev, bureau: event.target.value }))} className={inputCls}>
+                  {bureaus.map((bureau) => <option key={bureau.value} value={bureau.value}>{bureau.label}</option>)}
+                </select>
+              </div>
+              <div>
+                <label className={labelCls}>Model</label>
+                <select value={form.model} onChange={(event) => setForm((prev) => ({ ...prev, model: event.target.value }))} className={inputCls}>
+                  <option value="fico_8">FICO 8</option>
+                  <option value="fico_9">FICO 9</option>
+                  <option value="vantage_score_3">VantageScore 3</option>
+                  <option value="vantage_score_4">VantageScore 4</option>
+                </select>
+              </div>
+              <div>
+                <label className={labelCls}>Score date</label>
+                <input type="date" value={form.scoreDate} onChange={(event) => setForm((prev) => ({ ...prev, scoreDate: event.target.value }))} className={inputCls} />
+              </div>
+              <div>
+                <label className={labelCls}>Positive factors</label>
+                <input value={form.positiveFactors} onChange={(event) => setForm((prev) => ({ ...prev, positiveFactors: event.target.value }))} className={inputCls} placeholder="low utilization, on-time payments" />
+              </div>
+              <div>
+                <label className={labelCls}>Negative factors</label>
+                <input value={form.negativeFactors} onChange={(event) => setForm((prev) => ({ ...prev, negativeFactors: event.target.value }))} className={inputCls} placeholder="hard inquiry, high balance" />
+              </div>
+            </div>
+            <div className="mt-4 flex flex-wrap gap-3">
+              <button onClick={addEntry} className="rounded-lg bg-primary px-4 py-2.5 text-sm font-bold text-primary-foreground hover:bg-primary/90">
+                Add Score
+              </button>
+              <button onClick={pullScore} className="rounded-lg border border-primary/30 px-4 py-2.5 text-sm font-bold text-primary hover:bg-primary/10">
+                Pull From Provider
+              </button>
+            </div>
+            {status && <p className="mt-4 rounded-lg border border-border bg-background/60 px-4 py-3 text-sm text-muted-foreground">{status}</p>}
+          </section>
+
+          <section className="rounded-xl border border-border bg-secondary/10 p-6">
+            <div className="flex flex-col gap-3 md:flex-row md:items-center md:justify-between">
+              <p className="text-sm font-bold text-foreground">Bureau Snapshot</p>
+              <select value={filter} onChange={(event) => setFilter(event.target.value)} className="rounded-lg border border-border bg-background/50 px-3 py-2 text-sm text-foreground">
+                <option value="all">All bureaus</option>
+                {bureaus.map((bureau) => <option key={bureau.value} value={bureau.value}>{bureau.label}</option>)}
+              </select>
+            </div>
+            <div className="mt-4 grid gap-3 md:grid-cols-3">
+              {(summary?.latestByBureau ?? []).map((entry) => (
+                <div key={entry.bureau} className="rounded-lg border border-border bg-background/50 p-4">
+                  <p className="text-xs uppercase text-muted-foreground">{entry.bureau}</p>
+                  <p className="mt-2 text-2xl font-bold text-foreground">{entry.score}</p>
+                  <p className="text-xs text-muted-foreground">{new Date(entry.scoreDate).toLocaleDateString()}</p>
+                </div>
+              ))}
+              {(summary?.latestByBureau?.length ?? 0) === 0 && <p className="text-sm text-muted-foreground">No bureau scores yet.</p>}
+            </div>
+          </section>
+        </div>
+
+        <section className="rounded-xl border border-border bg-secondary/10 p-6">
+          <p className="text-sm font-bold text-foreground">Score History</p>
+          <div className="mt-4 divide-y divide-border">
+            {filteredEntries.length === 0 && <p className="py-8 text-sm text-muted-foreground">No score entries for this view.</p>}
+            {filteredEntries.map((entry) => {
+              const factors = entry.factors ?? {};
+              const positive = Array.isArray(factors.positive) ? factors.positive : [];
+              const negative = Array.isArray(factors.negative) ? factors.negative : [];
+              return (
+                <article key={entry.id} className="py-4">
+                  <div className="flex flex-col gap-3 md:flex-row md:items-start md:justify-between">
+                    <div>
+                      <div className="flex flex-wrap items-center gap-2">
+                        <p className="text-lg font-bold text-foreground">{entry.score}</p>
+                        <span className="rounded-full border border-border px-2 py-0.5 text-xs text-muted-foreground">{entry.bureau}</span>
+                        <span className="rounded-full border border-border px-2 py-0.5 text-xs text-muted-foreground">{entry.model}</span>
+                      </div>
+                      <p className="mt-1 text-sm text-muted-foreground">{new Date(entry.scoreDate).toLocaleDateString()} · {entry.source}</p>
+                      {(positive.length > 0 || negative.length > 0) && (
+                        <p className="mt-2 text-xs text-muted-foreground">
+                          {positive.length > 0 ? `Positive: ${positive.join(", ")}` : ""}
+                          {positive.length > 0 && negative.length > 0 ? " · " : ""}
+                          {negative.length > 0 ? `Negative: ${negative.join(", ")}` : ""}
+                        </p>
+                      )}
+                    </div>
+                    <p className="text-sm font-semibold text-foreground">{scoreBand(entry.score)}</p>
+                  </div>
+                </article>
+              );
+            })}
+          </div>
+        </section>
+      </div>
+    </AppShell>
+  );
+}

app/demo/page.tsx

@@ -56,7 +56,7 @@ export default function DemoPage() {
         <div className="mx-auto max-w-6xl px-6 lg:px-8 space-y-8">
           <header className="space-y-3">
             <p className="text-xs font-semibold tracking-[0.25em] text-emerald-400 uppercase">
-              Demo · LedgerOne
+              Demo · Aarthalabs
             </p>
             <h1 className="text-3xl sm:text-4xl font-semibold tracking-tight text-slate-50">
               AI-powered cash control dashboard
@@ -246,7 +246,7 @@ export default function DemoPage() {
                       AI
                     </div>
                     <div className="text-xs text-slate-300">
-                      <p className="font-medium">LedgerOne Copilot</p>
+                      <p className="font-medium">Aarthalabs Copilot</p>
                       <p className="text-[11px] text-slate-500">Monitors cash flow in real-time</p>
                     </div>
                   </div>

app/developer/page.tsx

@@ -0,0 +1,178 @@
+"use client";
+
+import { useEffect, useState } from "react";
+import { AppShell } from "@/components/app-shell";
+import { apiFetch } from "@/lib/api";
+
+type ApiKey = {
+  id: string;
+  name: string;
+  prefix: string;
+  scopes: string[];
+  lastUsedAt: string | null;
+  revokedAt: string | null;
+  expiresAt: string | null;
+  createdAt: string;
+};
+
+type KeyListResponse = { keys: ApiKey[] };
+type CreatedKey = ApiKey & { key: string };
+
+const apiExample = `curl -H "Authorization: Bearer l1_your_api_key" \\
+  "https://api.aarthalabs.com/api/public/v1/transactions?limit=25"`;
+
+const sdkExample = `async function ledgerOne(path, apiKey) {
+  const res = await fetch(\`https://api.aarthalabs.com/api/public/v1\${path}\`, {
+    headers: { Authorization: \`Bearer \${apiKey}\` },
+  });
+  if (!res.ok) throw new Error(await res.text());
+  return res.json();
+}
+
+const transactions = await ledgerOne("/transactions?limit=25", process.env.LEDGERONE_API_KEY);`;
+
+export default function DeveloperPage() {
+  const [keys, setKeys] = useState<ApiKey[]>([]);
+  const [name, setName] = useState("Automation key");
+  const [createdKey, setCreatedKey] = useState<string | null>(null);
+  const [loading, setLoading] = useState(true);
+  const [message, setMessage] = useState<string | null>(null);
+
+  const loadKeys = async () => {
+    setLoading(true);
+    const res = await apiFetch<KeyListResponse>("/api/api-keys");
+    if (res.error) {
+      setMessage(res.error.message);
+    } else {
+      setKeys(res.data.keys);
+      setMessage(null);
+    }
+    setLoading(false);
+  };
+
+  useEffect(() => {
+    void loadKeys();
+  }, []);
+
+  const createKey = async () => {
+    const res = await apiFetch<CreatedKey>("/api/api-keys", {
+      method: "POST",
+      body: JSON.stringify({ name, scopes: ["transactions:read"] }),
+    });
+    if (res.error) {
+      setMessage(res.error.message);
+      return;
+    }
+    setCreatedKey(res.data.key);
+    setName("Automation key");
+    await loadKeys();
+  };
+
+  const revokeKey = async (id: string) => {
+    const res = await apiFetch<{ revoked: boolean }>(`/api/api-keys/${id}`, { method: "DELETE" });
+    if (res.error) {
+      setMessage(res.error.message);
+      return;
+    }
+    await loadKeys();
+  };
+
+  return (
+    <AppShell title="Developer" subtitle="API keys, public endpoint docs, and integration examples.">
+      <div className="mx-auto flex w-full max-w-6xl flex-col gap-6">
+        {message ? (
+          <div className="rounded-md border border-amber-200 bg-amber-50 px-4 py-3 text-sm text-amber-900">{message}</div>
+        ) : null}
+
+        {createdKey ? (
+          <section className="rounded-lg border border-emerald-200 bg-emerald-50 p-4">
+            <h2 className="text-sm font-semibold text-emerald-950">New API key</h2>
+            <p className="mt-1 text-xs text-emerald-800">This secret is shown once. Store it in your password manager or server environment.</p>
+            <pre className="mt-3 overflow-x-auto rounded-md bg-white p-3 text-xs text-slate-900">{createdKey}</pre>
+          </section>
+        ) : null}
+
+        <section className="grid gap-4 lg:grid-cols-[1fr_1.2fr]">
+          <div className="rounded-lg border border-slate-200 bg-white p-4">
+            <h2 className="text-base font-semibold text-slate-950">Create Key</h2>
+            <label className="mt-4 block text-sm font-medium text-slate-700">Key name</label>
+            <input
+              value={name}
+              onChange={(event) => setName(event.target.value)}
+              className="mt-2 w-full rounded-md border border-slate-300 px-3 py-2 text-sm"
+            />
+            <button
+              onClick={createKey}
+              className="mt-4 rounded-md bg-slate-950 px-4 py-2 text-sm font-medium text-white hover:bg-slate-800"
+            >
+              Create API key
+            </button>
+          </div>
+
+          <div className="rounded-lg border border-slate-200 bg-white p-4">
+            <h2 className="text-base font-semibold text-slate-950">Read Endpoints</h2>
+            <div className="mt-3 grid gap-2 text-sm text-slate-700 sm:grid-cols-2">
+              <span>/public/v1/transactions</span>
+              <span>/public/v1/transactions/summary</span>
+              <span>/public/v1/transactions/cashflow</span>
+              <span>/public/v1/transactions/merchants</span>
+            </div>
+            <pre className="mt-4 overflow-x-auto rounded-md bg-slate-950 p-3 text-xs text-slate-50">{apiExample}</pre>
+          </div>
+        </section>
+
+        <section className="rounded-lg border border-slate-200 bg-white p-4">
+          <div className="flex items-center justify-between gap-3">
+            <h2 className="text-base font-semibold text-slate-950">API Keys</h2>
+            <button onClick={loadKeys} className="rounded-md border border-slate-300 px-3 py-2 text-sm text-slate-700">
+              Refresh
+            </button>
+          </div>
+          <div className="mt-4 overflow-x-auto">
+            <table className="w-full min-w-[680px] text-left text-sm">
+              <thead className="border-b border-slate-200 text-xs uppercase text-slate-500">
+                <tr>
+                  <th className="py-2">Name</th>
+                  <th className="py-2">Prefix</th>
+                  <th className="py-2">Scopes</th>
+                  <th className="py-2">Last used</th>
+                  <th className="py-2">Status</th>
+                  <th className="py-2 text-right">Action</th>
+                </tr>
+              </thead>
+              <tbody>
+                {loading ? (
+                  <tr><td className="py-4 text-slate-500" colSpan={6}>Loading keys...</td></tr>
+                ) : keys.length ? (
+                  keys.map((key) => (
+                    <tr key={key.id} className="border-b border-slate-100">
+                      <td className="py-3 font-medium text-slate-900">{key.name}</td>
+                      <td className="py-3 text-slate-600">{key.prefix}</td>
+                      <td className="py-3 text-slate-600">{key.scopes.join(", ")}</td>
+                      <td className="py-3 text-slate-600">{key.lastUsedAt ? new Date(key.lastUsedAt).toLocaleString() : "Never"}</td>
+                      <td className="py-3 text-slate-600">{key.revokedAt ? "Revoked" : "Active"}</td>
+                      <td className="py-3 text-right">
+                        {!key.revokedAt ? (
+                          <button onClick={() => revokeKey(key.id)} className="rounded-md border border-red-200 px-3 py-1.5 text-xs font-medium text-red-700">
+                            Revoke
+                          </button>
+                        ) : null}
+                      </td>
+                    </tr>
+                  ))
+                ) : (
+                  <tr><td className="py-4 text-slate-500" colSpan={6}>No API keys yet.</td></tr>
+                )}
+              </tbody>
+            </table>
+          </div>
+        </section>
+
+        <section className="rounded-lg border border-slate-200 bg-white p-4">
+          <h2 className="text-base font-semibold text-slate-950">Minimal JavaScript Client</h2>
+          <pre className="mt-3 overflow-x-auto rounded-md bg-slate-950 p-3 text-xs text-slate-50">{sdkExample}</pre>
+        </section>
+      </div>
+    </AppShell>
+  );
+}