feat(accounts): hesaplar (KMH, kredi kartı, yemek kartı, yalnızca ben)

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

src/shared/accounts.ts

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+/** Hesap türleri ve yemek kartı sağlayıcıları (Bölüm 6.1). */
+export const ACCOUNT_TYPES = ["cash", "bank", "savings", "credit_card", "meal_card"] as const;
+export type AccountType = (typeof ACCOUNT_TYPES)[number];
+
+export const MEAL_CARD_PROVIDERS = [
+  "pluxee",
+  "multinet",
+  "edenred",
+  "setcard",
+  "metropol",
+  "other",
+] as const;
+export type MealCardProvider = (typeof MEAL_CARD_PROVIDERS)[number];
+
+/** Kredi kartı son ödeme kuralı: kesimden N gün sonra | ayın sabit günü. */
+export const DUE_RULE_KINDS = ["daysAfter", "fixedDay"] as const;
+export type DueRuleKind = (typeof DUE_RULE_KINDS)[number];
+
+/** Borç (negatif bakiye) taşıyan hesap türleri. */
+export const isLiabilityType = (type: AccountType) => type === "credit_card";

src/shared/schemas/account.ts

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+import { z } from "zod";
+import { tr } from "../../i18n/tr";
+import { ACCOUNT_TYPES, DUE_RULE_KINDS, MEAL_CARD_PROVIDERS } from "../accounts";
+import { ICON_KEYS, SWATCHES } from "../appearance";
+import { parseMoney } from "../money";
+
+const v = tr.validation;
+
+/** Türkçe para girişi ("1.250,50") → kuruş. Boş → 0 (opsiyonel alanlarda). */
+export const moneyInputSchema = z
+  .string()
+  .trim()
+  .transform((s, ctx) => {
+    if (s === "") return 0;
+    const minor = parseMoney(s);
+    if (minor === null) {
+      ctx.addIssue({ code: "custom", message: v.money });
+      return z.NEVER;
+    }
+    return minor;
+  });
+
+/** Pozitif (≥ 0) para girişi. */
+export const nonNegativeMoneySchema = moneyInputSchema.refine((n) => n >= 0, v.moneyNonNegative);
+
+const day = (max: number) => z.coerce.number().int().min(1).max(max);
+const objectIdOrEmpty = z
+  .string()
+  .regex(/^([a-f0-9]{24})?$/i)
+  .transform((s) => (s === "" ? null : s));
+
+/** Yüzde girişi ("4,25") → baz puan (425). Boş → null. */
+const percentToBp = z
+  .string()
+  .trim()
+  .transform((s, ctx) => {
+    if (s === "") return null;
+    const minor = parseMoney(s); // aynı ondalık kuralları: 2 hane
+    if (minor === null || minor < 0 || minor > 100_00) {
+      ctx.addIssue({ code: "custom", message: v.percent });
+      return z.NEVER;
+    }
+    return minor;
+  });
+
+export const accountFormSchema = z
+  .object({
+    name: z.string().trim().min(1, tr.common.required).max(80, v.nameMax),
+    type: z.enum(ACCOUNT_TYPES),
+    institution: z.string().trim().max(80, v.nameMax),
+    mealCardProvider: z.enum(MEAL_CARD_PROVIDERS).nullable(),
+    /** Kart için "açılış borcu" pozitif girilir; sunucu negatife çevirir. */
+    openingBalance: moneyInputSchema,
+    /** yyyy-MM-dd (İstanbul günü) */
+    openingDate: z.string().regex(/^\d{4}-\d{2}-\d{2}$/, v.date),
+    color: z.enum(SWATCHES),
+    icon: z.enum(ICON_KEYS),
+    ownerUserId: objectIdOrEmpty,
+    isPrivate: z.boolean(),
+    overdraftEnabled: z.boolean(),
+    overdraftLimit: nonNegativeMoneySchema,
+    overdraftMonthlyRate: percentToBp,
+    overdraftStatementDay: z
+      .union([z.literal(""), day(31)])
+      .transform((d) => (d === "" ? null : d)),
+    cardLimit: nonNegativeMoneySchema,
+    cardStatementDay: day(31),
+    cardDueKind: z.enum(DUE_RULE_KINDS),
+    cardDueValue: day(31),
+    cardPaymentAccountId: objectIdOrEmpty,
+  })
+  .superRefine((a, ctx) => {
+    if (a.type === "meal_card" && !a.mealCardProvider) {
+      ctx.addIssue({ code: "custom", path: ["mealCardProvider"], message: v.selectProvider });
+    }
+    if (a.isPrivate && !a.ownerUserId) {
+      ctx.addIssue({ code: "custom", path: ["ownerUserId"], message: v.privateNeedsOwner });
+    }
+    if (a.type === "credit_card" && a.cardDueKind === "daysAfter" && a.cardDueValue > 30) {
+      ctx.addIssue({ code: "custom", path: ["cardDueValue"], message: v.dueDays });
+    }
+    // Yalnızca banka hesabı (KMH ile) negatif açılabilir; kart borcu pozitif girilir.
+    if (a.openingBalance < 0 && a.type !== "bank") {
+      ctx.addIssue({ code: "custom", path: ["openingBalance"], message: v.moneyNonNegative });
+    }
+  });
+
+export type AccountFormInput = z.input<typeof accountFormSchema>;
+export type AccountForm = z.output<typeof accountFormSchema>;