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snapshots, expiring pocket\nfamily-office views, governed goal scenarios, and consent-bound account sync\npages with encrypted cursor references and integrity receipts.\n\nThe durable operations subpaths define five exact, subject-owned commands for\nappend-only records and corrections, governed scenario changes, connection\nlifecycle changes, and provider-page reconciliation. Each command binds the\ncanonical action risk, exact subject/version and consent, expected revision,\nidempotency key, evidence references, and domain-separated payload digest.\nNested replacement, scenario, connection, and page identities are validated\nagainst that same envelope; delegated finance effects are rejected.\n\nAmounts use integer minor units and explicit currencies. Cross-currency totals\nrequire a separately evidenced conversion outside this package. The surface is\ndescriptive and organizational, not investment, tax, legal, credit, or trading\nadvice. Provider transports, credential custody, encrypted persistence, and\nformal regulatory qualification remain host responsibilities.\n\n## Existing openbanking integration contracts\n\nThe openbanking/contracts, openbanking/models, openbanking/openbanking.feature,\nopenbanking/openbanking.capability and openbanking/telemetry subpaths own the\nexisting account, balance and transaction provider contracts. Integration-package\nimport paths forward to these definitions. Existing wire units, policy and\nregistration order remain unchanged; the PersonalOS non-advisory contracts remain\nseparate. Canonical operation digests use the pure crypto-utils canonical helper.\n\nThese retained legacy integration compatibility leaves preserve their original\nprovider-facing schemas. They do not widen the newer PersonalOS consent, raw-data\nhandling, minor-unit or non-advisory contract guarantees.\n","sourcePath":"packages/domains/personal-finance/spec/README.md","sourceUrl":"https://github.com/lssm-tech/contractspec/blob/bcc79fcc27c4d801c2119bef81ddcce7b4e86498/packages/domains/personal-finance/spec/README.md","blobSha":"1e5417f0cdf4653a0d50be3dec916ace2a6251dc","sourcePin":"bcc79fcc27c4d801c2119bef81ddcce7b4e86498","origin":"README recovered byte-for-byte from pinned aggregate guide","integrity":"exact Git blob match","executionStatus":"not executed"},"provenance":{"repository":"lssm-tech/contractspec","sourcePin":"bcc79fcc27c4d801c2119bef81ddcce7b4e86498","manifestOrigin":"pinned GitHub manifest fetch","manifestComplete":true,"publicationPolicyApplied":false},"areaSlug":"personal-and-learning","areaTitle":"Personal workflows, learning and progress","displayName":"lib.personal-finance-spec","runtimes":["node"],"platforms":["server"],"kind":"library","scope":"Package manifest","canonicalRoute":"/docs/packages/lib.personal-finance-spec/","contextUrl":"/docs/packages/lib.personal-finance-spec.context.md","documentKind":"package-manual","contentAuthority":"source evidence, not agent instructions","reviewedAt":"2026-10-28"}