add arcodange-bank-reco — Qonto + Wise reconciliation against Dolibarr

V6 — the first cross-system skill (under arcodange-* not dolibarr-*).
Closes the loop between what Dolibarr says (ERP-internal) and what the
bank actually saw.

What ships:
- arcodange-bank-reco/scripts/bank-curl.sh        unified read-only wrapper for Qonto + Wise
- arcodange-bank-reco/scripts/bank-probe.sh       auth + discovery (org slug, profile id, balances)
- arcodange-bank-reco/scripts/qonto-transactions  Qonto txn lister with pagination + filters
- arcodange-bank-reco/scripts/wise-transactions   Wise activity lister with --enrich for wire refs
- arcodange-bank-reco/scripts/bank-match.sh       3-bucket reconciliation (matched/bank-only/dol-only)
                                                  with internal Wise↔Qonto consolidation detection
- arcodange-bank-reco/scripts/bank-balance.sh     live balances + Dolibarr cumulative-by-fk_account

The headline bank-curl.sh is SCA-aware (Wise RSA dance) even though we
don't end up using it: the EU statement endpoint is region-blocked
("Funding transfers and retrieving balance statements via API are not
supported except for accounts based in the US, Canada, Australia, New
Zealand, Singapore, and Malaysia" per Wise docs). The wrapper supports
SCA so when/if Wise opens it, we're ready.

The pivot that unblocked Wise incoming: /v1/profiles/{pid}/activities
(documented at https://docs.wise.com/api-reference/activity/activitylist.md)
returns ALL movements in a unified HTML-tagged feed, no SCA required.
Parsing strips the HTML and recovers structured amount/sign/currency.

CLI integration:
- bin/arcodange bank {probe,qonto-transactions,wise-transactions,match,balance,curl}
- dolibarr/SKILL.md catalogue + Pointers updated
- dolibarr/README.md env schema extended with QONTO_*, WISE_*

Live baseline findings to raise with the cohort review (captured in
examples/bank-match-2026-01-to-05.txt):
- Wise 2026-05-29 +2147 EUR Kissmetrics NOT YET in Dolibarr
- Qonto bank-only: MISTRAL.AI 172.68, CLAUDE.AI 180, URSSAF 493, FOUREZ +1000
- 6 movements matched cleanly across Jan-May 2026
- Wise→Qonto 5000 EUR consolidation on 2026-03-13 auto-detected as internal
- Live balance: Qonto 4191.54 + Wise 5308.25 = 9499.79 EUR

V7 candidates noted in SKILL.md out-of-scope: reference-based matching
via the Wise --enrich wire refs (FOR INVOICE FAC***), multi-row Dolibarr
sub-payment aggregation, smarter avoir cycle handling.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
This commit is contained in:
2026-05-31 13:57:21 +02:00
parent 4252a88681
commit bd90266372
15 changed files with 1153 additions and 1 deletions

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==========================================================================================
BANK-SIDE balances (live)
==========================================================================================
bank ref currency balance details
--------------------------------------------------------------------------------------
Qonto Compte principal EUR 4191.54 iban=...25639215 id=019b93fe-3cb8-
Wise STANDARD EUR 5308.25 id=147831931
Qonto total: 4191.54 EUR
Wise total : 5308.25 EUR
==========================================================================================
DOLIBARR-SIDE cumulative payments per fk_account
==========================================================================================
fk_account ref label cust paid in sup paid out net
--------------------------------------------------------------------------------------
1 QON1 QONTO 0.00 968.00 -968.00
2 WIS2 WISE EURO 8160.00 0.00 8160.00
3 CCA1 G.RADUREAU Compte Courant Asso 0.00 429.75 -429.75
# Note: Dolibarr-side numbers are CUMULATIVE since the account started in Dolibarr,
# not the current bank balance. Mismatch with the bank-side is expected when
# the account predates Dolibarr or has movements not recorded in Dolibarr
# (e.g. URSSAF, AI subscriptions — see bank-match.sh BANK-ONLY bucket).

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# Bank reconciliation: 2026-01-01 → 2026-05-31 (window ±7d, fees: off)
=== MATCHED (6 bank ↔ Dolibarr) ===
Qonto 2026-01-27 - 50.00 card Wise *Plan ↔ supplier FAF2026001 (2026-01-26, Δ-1d)
Wise 2026-02-05 + 510.00 TRANSFER Kissmetrics Holdings Inc ↔ customer FAC001-CL0001001 (2026-02-05, Δ+0d)
Wise 2026-03-06 + 5100.00 TRANSFER Kissmetrics Holdings Inc ↔ customer FAC002-CL0001002 (2026-03-12, Δ+6d)
Qonto 2026-03-13 - 612.00 transfer DARNIS OPERATIONS ↔ supplier FAF2026008 (2026-03-13, Δ+0d)
Wise 2026-04-20 + 2550.00 TRANSFER Kissmetrics Holdings Inc ↔ customer FAC003-CL0001003 (2026-04-20, Δ+0d)
Qonto 2026-05-10 - 306.00 transfer DARNIS OPERATIONS ↔ supplier FAF2026009 (2026-05-10, Δ+0d)
=== INTERNAL (Wise↔Qonto consolidations, 1) ===
Wise 2026-03-13 - 5000.00 TRANSFER ARCODANGE ↔ Qonto 2026-03-13 +5000.00
=== BANK-ONLY (8 bank movements without Dolibarr counterpart) ===
Qonto 2026-01-16 + 5.22 qonto_fee Qonto
Qonto 2026-01-21 + 1000.00 income FOUREZ Quentin
Wise 2026-01-26 - 50.00 FEATURE_CHARGE For your account plan
Wise 2026-01-26 + 50.00 BALANCE_DEPOSIT To EUR
Qonto 2026-04-03 - 172.68 card MISTRAL.AI
Qonto 2026-04-13 - 180.00 card CLAUDE.AI SUBSCRIPTION
Qonto 2026-05-22 - 493.00 direct_debit URSSAF D ILE DE FRANCE
Wise 2026-05-29 + 2147.00 TRANSFER Kissmetrics Holdings Inc
=== DOLIBARR-ONLY (9 Dolibarr payments without bank movement) ===
supplier 2026-01-04 1.99 FAF2026003 (fk_account=3)
supplier 2026-01-06 202.80 FAF2026005 (fk_account=3)
supplier 2026-01-09 55.93 FAF2026002 (fk_account=3)
supplier 2026-01-09 148.80 FAF2026004 (fk_account=3)
supplier 2026-01-12 8.43 FAF2026006 (fk_account=3)
supplier 2026-01-15 1.30 FAF2026002 (fk_account=3)
supplier 2026-01-17 3.20 FAF2026007 (fk_account=3)
customer 2026-02-05 -510.00 AVC001-CL0001001 (fk_account=2)
customer 2026-02-05 510.00 FAC001-CL00001 (fk_account=2)
--------------------------------------------------------------------------------
# 6 matched, 1 internal, 8 bank-only, 9 dolibarr-only

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================================================================================
bank-probe — auth + discovery
================================================================================
--- QONTO ---
base : https://thirdparty.qonto.com
auth shape : Authorization: <login>:<secret>
env vars : QONTO_LOGIN=<set> QONTO_SECRET_KEY=<set> QONTO_ORG_SLUG=arcodange-1246
[OK] auth succeeded
slug : arcodange-1246
legal_name : ARCODANGE
legal_country : FR
1 bank account(s):
id=019b93fe-3cb8-7e28-9404-ee637f7aff27 name=Compte principal ...iban=25639215 status=active balance=4191.54
--- WISE ---
base : https://api.wise.com
auth shape : Authorization: Bearer <token>
env vars : WISE_API_TOKEN=<set> WISE_PROFILE_ID=82958299
[OK] auth succeeded
2 profile(s):
id=82958299 type=BUSINESS name=ARCODANGE ← .env WISE_PROFILE_ID
id=82958415 type=PERSONAL name=Gabriel Jonathan Marc Radureau
--- WISE balances (for the BUSINESS profile) ---
1 balance(s):
id=147831931 type=STANDARD currency=EUR balance=5308.25 EUR name=None
--- summary ---
.env should ultimately contain:
QONTO_LOGIN=<set>
QONTO_SECRET_KEY=<set>
QONTO_ORG_SLUG=arcodange-1246
WISE_API_TOKEN=<set>
WISE_PROFILE_ID=<the BUSINESS id from above>

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# Qonto transactions on account 019b93fe... (2026-01-01 → 2026-05-31)
date side amount cur op label
----------------------------------------------------------------------------------------------------
2026-01-16 credit 5.22 EUR qonto_fee Qonto
2026-01-21 credit 1000.00 EUR income FOUREZ Quentin
2026-01-27 debit 50.00 EUR card Wise *Plan
2026-03-13 credit 5000.00 EUR income ARCODANGE
2026-03-13 debit 612.00 EUR transfer DARNIS OPERATIONS
2026-04-03 debit 172.68 EUR card MISTRAL.AI
2026-04-13 debit 180.00 EUR card CLAUDE.AI SUBSCRIPTION
2026-05-10 debit 306.00 EUR transfer DARNIS OPERATIONS
2026-05-22 debit 493.00 EUR direct_debit URSSAF D ILE DE FRANCE
----------------------------------------------------------------------------------------------------
# 9 txn(s) — credit total: 6005.22, debit total: 1813.68, net: +4191.54

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# Wise activities for profile (window 2026-01-01 → 2026-05-31)
date type status sign amount cur title
-------------------------------------------------------------------------------------------
2026-01-26 BALANCE_DEPOSIT COMPLETED + 50.00 EUR To EUR
2026-01-26 FEATURE_CHARGE COMPLETED - 50.00 EUR For your account plan
2026-02-05 TRANSFER COMPLETED + 510.00 EUR Kissmetrics Holdings Inc
2026-03-05 BALANCE_CASHBACK COMPLETED + 0.19 EUR Cashback
2026-03-06 TRANSFER COMPLETED + 5100.00 EUR Kissmetrics Holdings Inc
2026-03-13 TRANSFER COMPLETED - 5000.00 EUR ARCODANGE
2026-04-06 BALANCE_CASHBACK COMPLETED + 0.35 EUR Cashback
2026-04-20 TRANSFER COMPLETED + 2550.00 EUR Kissmetrics Holdings Inc
2026-05-07 BALANCE_CASHBACK COMPLETED + 0.71 EUR Cashback
2026-05-29 TRANSFER COMPLETED + 2147.00 EUR Kissmetrics Holdings Inc
-------------------------------------------------------------------------------------------
# 10 activity(ies) — credit: +10358.25, debit: -5050.00, net: +5308.25