fix(accounts): 统一账户欠款、流水与外币导入口径

docs/contributing/ISOLATED_APP_CLOUD_QA_ZH.md

@@ -2,7 +2,7 @@
 
 流程 skill 随项目维护在 `.agents/skills/isolated-app-cloud-qa`；Codex 与 Claude Code 项目安装见 [项目 skill](PROJECT_SKILLS_ZH.md)。不再需要 honeycomb 或全局安装。新 run 自动记录 skill 仓库 SHA、完整目录 hash 与版本，并保存私有源码副本；可用 `--skill-dir` 指定另一份源码。旧 `--skill-repo` 仅保留兼容，已存在 run 的 manifest 和数据不会迁移。
 
-用于需要真实 iOS App UI、真实 Cloud 数据持久化和双向同步的验收。当前支持首页复制交易、父子分类改名同步、Web 交易图片和 MCP 小票附件四种场景。单元/widget 测试与 fake-provider 同步测试仍是快速回归层，实服同步另行执行。
+用于需要真实 iOS App UI、真实 Cloud 数据持久化和双向同步的验收。当前支持首页复制交易、父子分类改名同步、Web 交易图片、MCP 小票附件和账户金额可信度五种场景。单元/widget 测试与 fake-provider 同步测试仍是快速回归层，实服同步另行执行。
 
 ## 环境要求
 
@@ -38,6 +38,8 @@ MCP 小票使用 `prepare --scenario mcp-receipt-attachments --cloud-ref <Cloud
 
 分类场景的正常入口检查断言主页合成交易可见，并读取 QA 数据库核对父分类名称、子分类稳定身份与本地 `parent_id` 关系。两种场景共用隔离措施，执行结果与截图仍只进入独立报告包。
 
+账户金额可信度使用 `prepare --scenario account-balance-trust --cloud-ref <Cloud 功能提交 SHA>`。真实 App 页面创建欠款卡与溢缴卡、消费、超额还款、再次消费、检查普通账户全部流水及导入外币 CSV；上传后等待 `QA_STAGE_READY_WEB_ACCOUNT_TRUST`。在同一 QA 网页把「QA信用卡」改名为「QA Web信用卡」，并用正数 5000 创建欠款卡「QA Web欠款卡」，再由 App 拉回，核对账户身份、初始余额、交易关系、币种与重复同步。Web 首页另核验账户全局余额与当前账本交易排行。正常入口重启核验导入交易可见及最终账户字段持久化。
+
 Cloud 默认取 `origin/main`；需要联调独立修复分支时，通过 `--cloud-ref <分支或 SHA>` 指定已提交的版本。manifest 记录解析后的实际 SHA，Cloud 当前 checkout 不切换。
 
 命令打印本次私有 run 路径、新模拟器 UDID 和本地 Cloud origin。将打印的实际路径赋值给 `qa_run_dir`，不要引用旧 run：

docs/design/DESIGN_TOKENS.md

@@ -20,6 +20,13 @@ Container(
 )
 ```
 
+同页的单选视图／流水筛选统一使用 `widgets/ui/ui.dart` 导出的
+`CapsuleSwitcher<T>`：灰色 `surfaceCapsule` 轨道，日间默认黑底白字选中，
+暗色模式使用主题色选中胶囊；选中文字由 `textOnColor` 根据背景明暗决定。
+各页面直接使用组件默认配色。调用方持有选中值和业务筛选；
+不另用默认 Material `ChoiceChip` 拼装 tabs。选项能完整放下时等宽，
+窄屏或大字号下横向滚动；组件提供选中语义并遵循系统减少动画设置。
+
 ---
 
 ## 1. 背景色 Token (Surface)

lib/data/repositories/local/local_account_repository.dart

@@ -190,9 +190,9 @@ class LocalAccountRepository implements AccountRepository {
         type: type != null ? d.Value(type) : const d.Value.absent(),
         currency: currency != null ? d.Value(currency) : const d.Value.absent(),
         initialBalance: initialBalance != null ? d.Value(initialBalance) : const d.Value.absent(),
-        creditLimit: clearCreditCardFields ? const d.Value(null) : (creditLimit != null ? d.Value(creditLimit) : const d.Value.absent()),
-        billingDay: clearCreditCardFields ? const d.Value(null) : (billingDay != null ? d.Value(billingDay) : const d.Value.absent()),
-        paymentDueDay: clearCreditCardFields ? const d.Value(null) : (paymentDueDay != null ? d.Value(paymentDueDay) : const d.Value.absent()),
+        creditLimit: clearCreditCardFields ? d.Value(creditLimit) : (creditLimit != null ? d.Value(creditLimit) : const d.Value.absent()),
+        billingDay: clearCreditCardFields ? d.Value(billingDay) : (billingDay != null ? d.Value(billingDay) : const d.Value.absent()),
+        paymentDueDay: clearCreditCardFields ? d.Value(paymentDueDay) : (paymentDueDay != null ? d.Value(paymentDueDay) : const d.Value.absent()),
         bankName: clearMetadataFields ? const d.Value(null) : (bankName != null ? d.Value(bankName) : const d.Value.absent()),
         cardLastFour: clearMetadataFields ? const d.Value(null) : (cardLastFour != null ? d.Value(cardLastFour) : const d.Value.absent()),
         note: clearMetadataFields ? const d.Value(null) : (note != null ? d.Value(note) : const d.Value.absent()),
@@ -810,7 +810,7 @@ class LocalAccountRepository implements AccountRepository {
 
     for (final account in accounts) {
       final balance = await getAccountBalance(account.id);
-      if (isAssetType(account.type)) {
+      if (isAssetBalance(account.type, balance)) {
         totalAssets += balance;
       } else {
         totalLiabilities += balance;
@@ -834,7 +834,7 @@ class LocalAccountRepository implements AccountRepository {
       final currency = account.currency.toUpperCase();
       final prev = result[currency] ?? (totalAssets: 0.0, totalLiabilities: 0.0, netWorth: 0.0);
 
-      if (isAssetType(account.type)) {
+      if (isAssetBalance(account.type, balance)) {
         result[currency] = (
           totalAssets: prev.totalAssets + balance,
           totalLiabilities: prev.totalLiabilities,
@@ -921,7 +921,7 @@ class LocalAccountRepository implements AccountRepository {
           final rate = ratesToBase[account.currency.toUpperCase()];
           if (rate == null) continue;
           final bal = balances[dayIndex].balance * rate;
-          if (isAssetType(account.type)) {
+          if (isAssetBalance(account.type, bal)) {
             assets += bal;
           } else {
             liabilities += bal;
@@ -942,7 +942,10 @@ class LocalAccountRepository implements AccountRepository {
 
     for (final account in accounts) {
       final balance = await getAccountBalance(account.id);
-      typeBalances.update(account.type, (v) => v + balance, ifAbsent: () => balance);
+      final type = positiveAssetCompositionType(account.type, balance) ??
+          (isAssetType(account.type) && balance < 0 ? '_negative_assets_' : null);
+      if (type == null) continue;
+      typeBalances.update(type, (v) => v + balance, ifAbsent: () => balance);
     }
 
     return typeBalances.entries
@@ -959,7 +962,10 @@ class LocalAccountRepository implements AccountRepository {
 
     for (final account in accounts) {
       final balance = await getAccountBalance(account.id);
-      final key = (type: account.type, currency: account.currency.toUpperCase());
+      final type = positiveAssetCompositionType(account.type, balance) ??
+          (isAssetType(account.type) && balance < 0 ? '_negative_assets_' : null);
+      if (type == null) continue;
+      final key = (type: type, currency: account.currency.toUpperCase());
       balances.update(key, (v) => v + balance, ifAbsent: () => balance);
     }
 

lib/l10n/app_en.arb

@@ -3033,8 +3033,8 @@
   "billingDay": "Billing Day",
   "paymentDueDay": "Payment Due Day",
   "creditUsed": "Used",
-  "creditAvailable": "Available",
-  "creditCardOwed": "Owed",
+  "creditAvailable": "Est. available",
+  "creditCardOwed": "Current debt",
   "dayOfMonth": "{day}th of each month",
   "@dayOfMonth": {
     "placeholders": {
@@ -3877,5 +3877,19 @@
     "placeholders": {
       "count": { "type": "int" }
     }
-  }
+  },
+  "creditCardOverpayment": "Overpayment",
+  "creditCardDebtHint": "Enter your total outstanding debt as a positive amount; enter 0 if none.",
+  "creditCardOverpaymentHint": "Enter the positive amount remaining on the card after overpaying.",
+  "creditCardAmountInvalid": "Enter a valid amount; credit-card debt or overpayment must be non-negative.",
+  "creditCardReminderDueRequired": "Set a payment due day before enabling reminders.",
+  "creditCardEstimateHint": "Estimated from recorded transactions; check your bank for the actual available amount.",
+  "accountAllFlows": "All transactions",
+  "accountOutflows": "Expenses & transfers out",
+  "accountInflows": "Income & transfers in",
+  "positiveAssetBalance": "Positive asset balances",
+  "negativeAssetBalanceHint": "Negative account balances are deducted from total assets.",
+  "importAccountCurrencyPreview": "Confirm account currencies",
+  "importAccountCurrencyPreviewHint": "Accounts use statement currencies. Conflicting currencies are split without changing existing accounts. Missing currencies follow an existing account, an unambiguous account currency, or the ledger currency.",
+  "importCurrencyInvalid": "Invalid currency; correct this row:"
 }

lib/l10n/app_localizations.dart

@@ -13175,13 +13175,13 @@ abstract class AppLocalizations {
   /// No description provided for @creditAvailable.
   ///
   /// In en, this message translates to:
-  /// **'Available'**
+  /// **'Est. available'**
   String get creditAvailable;
 
   /// No description provided for @creditCardOwed.
   ///
   /// In en, this message translates to:
-  /// **'Owed'**
+  /// **'Current debt'**
   String get creditCardOwed;
 
   /// No description provided for @dayOfMonth.
@@ -16189,6 +16189,90 @@ abstract class AppLocalizations {
   /// In en, this message translates to:
   /// **'Log entries: {count}'**
   String logExportCount(int count);
+
+  /// No description provided for @creditCardOverpayment.
+  ///
+  /// In en, this message translates to:
+  /// **'Overpayment'**
+  String get creditCardOverpayment;
+
+  /// No description provided for @creditCardDebtHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Enter your total outstanding debt as a positive amount; enter 0 if none.'**
+  String get creditCardDebtHint;
+
+  /// No description provided for @creditCardOverpaymentHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Enter the positive amount remaining on the card after overpaying.'**
+  String get creditCardOverpaymentHint;
+
+  /// No description provided for @creditCardAmountInvalid.
+  ///
+  /// In en, this message translates to:
+  /// **'Enter a valid amount; credit-card debt or overpayment must be non-negative.'**
+  String get creditCardAmountInvalid;
+
+  /// No description provided for @creditCardReminderDueRequired.
+  ///
+  /// In en, this message translates to:
+  /// **'Set a payment due day before enabling reminders.'**
+  String get creditCardReminderDueRequired;
+
+  /// No description provided for @creditCardEstimateHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Estimated from recorded transactions; check your bank for the actual available amount.'**
+  String get creditCardEstimateHint;
+
+  /// No description provided for @accountAllFlows.
+  ///
+  /// In en, this message translates to:
+  /// **'All transactions'**
+  String get accountAllFlows;
+
+  /// No description provided for @accountOutflows.
+  ///
+  /// In en, this message translates to:
+  /// **'Expenses & transfers out'**
+  String get accountOutflows;
+
+  /// No description provided for @accountInflows.
+  ///
+  /// In en, this message translates to:
+  /// **'Income & transfers in'**
+  String get accountInflows;
+
+  /// No description provided for @positiveAssetBalance.
+  ///
+  /// In en, this message translates to:
+  /// **'Positive asset balances'**
+  String get positiveAssetBalance;
+
+  /// No description provided for @negativeAssetBalanceHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Negative account balances are deducted from total assets.'**
+  String get negativeAssetBalanceHint;
+
+  /// No description provided for @importAccountCurrencyPreview.
+  ///
+  /// In en, this message translates to:
+  /// **'Confirm account currencies'**
+  String get importAccountCurrencyPreview;
+
+  /// No description provided for @importAccountCurrencyPreviewHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Accounts use statement currencies. Conflicting currencies are split without changing existing accounts. Missing currencies follow an existing account, an unambiguous account currency, or the ledger currency.'**
+  String get importAccountCurrencyPreviewHint;
+
+  /// No description provided for @importCurrencyInvalid.
+  ///
+  /// In en, this message translates to:
+  /// **'Invalid currency; correct this row:'**
+  String get importCurrencyInvalid;
 }
 
 class _AppLocalizationsDelegate extends LocalizationsDelegate<AppLocalizations> {

lib/l10n/app_localizations_en.dart

@@ -6918,10 +6918,10 @@ class AppLocalizationsEn extends AppLocalizations {
   String get creditUsed => 'Used';
 
   @override
-  String get creditAvailable => 'Available';
+  String get creditAvailable => 'Est. available';
 
   @override
-  String get creditCardOwed => 'Owed';
+  String get creditCardOwed => 'Current debt';
 
   @override
   String dayOfMonth(int day) {
@@ -8615,4 +8615,46 @@ class AppLocalizationsEn extends AppLocalizations {
   String logExportCount(int count) {
     return 'Log entries: $count';
   }
+
+  @override
+  String get creditCardOverpayment => 'Overpayment';
+
+  @override
+  String get creditCardDebtHint => 'Enter your total outstanding debt as a positive amount; enter 0 if none.';
+
+  @override
+  String get creditCardOverpaymentHint => 'Enter the positive amount remaining on the card after overpaying.';
+
+  @override
+  String get creditCardAmountInvalid => 'Enter a valid amount; credit-card debt or overpayment must be non-negative.';
+
+  @override
+  String get creditCardReminderDueRequired => 'Set a payment due day before enabling reminders.';
+
+  @override
+  String get creditCardEstimateHint => 'Estimated from recorded transactions; check your bank for the actual available amount.';
+
+  @override
+  String get accountAllFlows => 'All transactions';
+
+  @override
+  String get accountOutflows => 'Expenses & transfers out';
+
+  @override
+  String get accountInflows => 'Income & transfers in';
+
+  @override
+  String get positiveAssetBalance => 'Positive asset balances';
+
+  @override
+  String get negativeAssetBalanceHint => 'Negative account balances are deducted from total assets.';
+
+  @override
+  String get importAccountCurrencyPreview => 'Confirm account currencies';
+
+  @override
+  String get importAccountCurrencyPreviewHint => 'Accounts use statement currencies. Conflicting currencies are split without changing existing accounts. Missing currencies follow an existing account, an unambiguous account currency, or the ledger currency.';
+
+  @override
+  String get importCurrencyInvalid => 'Invalid currency; correct this row:';
 }

lib/l10n/app_localizations_ko.dart

@@ -8615,4 +8615,46 @@ class AppLocalizationsKo extends AppLocalizations {
   String logExportCount(int count) {
     return 'Log entries: $count';
   }
+
+  @override
+  String get creditCardOverpayment => 'Overpayment';
+
+  @override
+  String get creditCardDebtHint => 'Enter your total outstanding debt as a positive amount; enter 0 if none.';
+
+  @override
+  String get creditCardOverpaymentHint => 'Enter the positive amount remaining on the card after overpaying.';
+
+  @override
+  String get creditCardAmountInvalid => 'Enter a valid amount; credit-card debt or overpayment must be non-negative.';
+
+  @override
+  String get creditCardReminderDueRequired => 'Set a payment due day before enabling reminders.';
+
+  @override
+  String get creditCardEstimateHint => 'Estimated from recorded transactions; check your bank for the actual available amount.';
+
+  @override
+  String get accountAllFlows => 'All transactions';
+
+  @override
+  String get accountOutflows => 'Expenses & transfers out';
+
+  @override
+  String get accountInflows => 'Income & transfers in';
+
+  @override
+  String get positiveAssetBalance => 'Positive asset balances';
+
+  @override
+  String get negativeAssetBalanceHint => 'Negative account balances are deducted from total assets.';
+
+  @override
+  String get importAccountCurrencyPreview => 'Confirm account currencies';
+
+  @override
+  String get importAccountCurrencyPreviewHint => 'Accounts use statement currencies. Conflicting currencies are split without changing existing accounts. Missing currencies follow an existing account, an unambiguous account currency, or the ledger currency.';
+
+  @override
+  String get importCurrencyInvalid => 'Invalid currency; correct this row:';
 }