chore(release): v1.0.8

Cut by rmancinas via the "Cut release" workflow. Pushing the tag triggers build.yml; deploy separately with tag=1.0.8.

.env.example

@@ -3,3 +3,50 @@ DATABASE_URL=mysql://jorgecuadros:jorgecuadros@localhost:3306/jorgecuadros
 SESSION_SECRET=change-me-to-a-random-string
 WEB_ORIGIN=http://localhost:3000
 NEXT_PUBLIC_API_ORIGIN=http://localhost:3001
+
+# Object storage (MinIO / S3) for document blobs and scanned receipt pages.
+# Without S3_ENDPOINT + credentials the API still boots, but every document
+# upload/download and the whole recibo OCR intake are disabled. Credentials fall
+# back to MINIO_ROOT_USER / MINIO_ROOT_PASSWORD when the S3_* pair is unset.
+S3_ENDPOINT=http://localhost:9000
+S3_BUCKET=jorgecuadros-documents
+S3_ACCESS_KEY=
+S3_SECRET_KEY=
+
+# Login the "Operaciones" screen runs mysqldump/mysql as. Optional locally: when
+# unset it falls back to the DATABASE_URL credentials, which a dev MySQL usually
+# grants enough for. Required in any deployment, where the application user has
+# only ALL ON jorgecuadros.* and mysqldump --single-transaction needs the global
+# RELOAD privilege. Host/port/database always come from DATABASE_URL.
+OPS_DB_ADMIN_USER=
+OPS_DB_ADMIN_PASSWORD=
+
+# Company info — printed in the header of every report (PDF + browser
+# print). Leave blank to use the placeholders. COMPANY_LOGO_PATH is
+# optional; when unset the API falls back to apps/api/assets/company_logo.png.
+COMPANY_NAME=Jorge Cuadros & Asociados
+COMPANY_ADDRESS_LINE1=
+COMPANY_ADDRESS_LINE2=
+COMPANY_CITY_STATE=
+COMPANY_PHONE=
+COMPANY_EMAIL=
+COMPANY_TAX_ID=
+COMPANY_WEBSITE=
+COMPANY_LOGO_PATH=
+
+# Outbound mail (Amazon SES — the channel the office already uses for bulk
+# notification, see docs/MASS_EMAIL_NOTIFICATIONS.md). Without all four
+# vars the API still boots; in dev the MailService logs sends to stdout,
+# in production every send throws ServiceUnavailableException.
+SES_REGION=
+SES_ACCESS_KEY=
+SES_SECRET_KEY=
+SES_FROM=mail@jorgecuadros.com
+SES_FROM_NAME=Information Server
+# Optional — bounce/complaint event publishing configuration set.
+SES_CONFIGURATION_SET=
+
+# Comma-separated addresses that receive the per-job admin summary email
+# (one summary per address, JSON body, sent after every sweep). Defaults to
+# the legacy pair if unset.
+NOTIFICATION_ADMIN_EMAILS=rmancinas@freakma.net,mpulido@freakma.net

.gitea/workflows/build.yml

@@ -37,6 +37,16 @@ env:
 jobs:
   build:
     name: Build ${{ matrix.image }}
+    # release.yml pushes the release commit and its tag in a single `git push`,
+    # so Gitea creates two runs for the same commit: one for master, one for the
+    # tag. Only the tag run matters — it is the one that emits the X.Y.Z / X.Y
+    # image tags, and it publishes `latest` and `sha-<short>` too, since it is
+    # the same commit. Skip the branch run rather than racing or cancelling it.
+    # Ordinary pushes to master (any message but `chore(release):`) still build.
+    if: >-
+      github.event_name != 'push' ||
+      startsWith(github.ref, 'refs/tags/') ||
+      !startsWith(github.event.head_commit.message, 'chore(release):')
     runs-on: docker
     container:
       image: docker:27-dind

.gitea/workflows/deploy-galactus.yml

@@ -0,0 +1,362 @@
+# Manual PROD deploy to galactus — the office server, Portainer endpoint 3.
+#
+# galactus is STANDALONE Docker (`swarm: inactive`), so this workflow applies
+# the compose files under deploy/galactus/, NOT the Swarm files in deploy/.
+# .gitea/workflows/deploy.yml is the cubex/Swarm equivalent; the two are kept
+# separate on purpose because plain compose silently ignores Swarm's `deploy:`
+# keys rather than failing on them.
+#
+# This does NOT build. build.yml already built + pushed both images from one
+# matrix run, so api and web at the same tag are always in step.
+#
+# Order of operations, and why:
+#   1. db + minio           (scope=full only) — the API depends on both.
+#   2. pre-migrate backup   dumped INSIDE the still-running OLD api container,
+#                           so the file lands in the volume the Operaciones
+#                           restore screen reads. Must precede the migration.
+#   3. prisma migrate deploy  forward-only. Prisma has no down-migrations; see
+#                           docs/DEPLOY_AND_MIGRATIONS.md — expand/contract is
+#                           the rule, the backup is the emergency lever.
+#   4. app (api + web)      the new images.
+#   5. verify               ask the running API what it actually is.
+#
+# Rollback = re-dispatch with an older `tag`. That rolls back CODE only; the
+# schema stays forward. This is exactly why every schema change must be
+# backward-compatible with the previous release.
+#
+# Prereqs (once):
+#  - Gitea repo secrets, galactus-specific (suffix _GALACTUS so the cubex
+#    secrets keep working side by side):
+#      PORTAINER_URL_GALACTUS         https://100.103.77.46:9443
+#      PORTAINER_API_KEY_GALACTUS     Portainer access token for galactus
+#      PORTAINER_ENDPOINT_ID_GALACTUS 3
+#      PORTAINER_APP_STACK_NAME_GALACTUS    e.g. jorgecuadros-prod-app
+#      PORTAINER_DB_STACK_NAME_GALACTUS     e.g. jorgecuadros-prod-db
+#      PORTAINER_MINIO_STACK_NAME_GALACTUS  e.g. jorgecuadros-prod-minio
+#      DATABASE_URL_GALACTUS          mysql://jorgecuadros:<pass>@<galactus>:3306/jorgecuadros
+#      APP_API_ORIGIN_GALACTUS        browser-facing API URL
+#      APP_WEB_ORIGIN_GALACTUS        web public origin (API CORS)
+#      APP_S3_ENDPOINT_GALACTUS       server-side minio URL
+#      SESSION_SECRET_GALACTUS        64-hex (openssl rand -hex 32)
+#      MINIO_ROOT_USER / MINIO_ROOT_PASSWORD
+#      MYSQL_PASSWORD / MYSQL_ROOT_PASSWORD
+#    Optional — outbound mail. Not needed to deploy; needed for
+#    /notificaciones to send anything at all (the image sets
+#    NODE_ENV=production, which disables MailService's stdout fallback, so
+#    a blank config fails every send loudly):
+#      SES_REGION                     e.g. us-west-2
+#      SES_FROM                       a VERIFIED SES sending identity
+#      SES_FROM_NAME                  display name, optional
+#      SES_ACCESS_KEY / SES_SECRET_KEY
+#      SES_CONFIGURATION_SET          optional, for bounce/complaint events
+#      NOTIFICATION_ADMIN_EMAILS      fallback only — the summary recipients
+#                                     are edited in the UI and stored in
+#                                     app_settings; this is what a deployment
+#                                     uses until somebody saves them there
+#    These are NOT galactus-specific (no _GALACTUS suffix) — one SES identity
+#    serves every deployment.
+#  - The runner (which lives on cubex) must be able to reach BOTH
+#    galactus:9443 (Portainer) and galactus:3306 (MySQL, for migrate deploy).
+#    If it cannot reach 3306, run the migration by hand from a host that can
+#    and dispatch with skip_migrate=true.
+#  - ONE-TIME, on a database that predates migration history (i.e. one built
+#    with `prisma db push`): baseline it before the first run, or step 3 fails
+#    with P3005 "database schema is not empty":
+#      npx prisma@5 migrate resolve --applied 0000_init \
+#        --schema packages/database/prisma/schema.prisma
+
+name: Deploy to galactus
+
+on:
+  workflow_dispatch:
+    inputs:
+      tag:
+        description: "Image tag to deploy (1.2.3 — no leading v — or sha-<short>, or latest)"
+        required: true
+        default: "latest"
+      scope:
+        description: "What to deploy"
+        type: choice
+        required: true
+        default: "app"
+        options:
+          - app
+          - full
+      bootstrap:
+        description: "First-ever deploy: allow the pre-migrate backup to be skipped when no API container exists yet"
+        type: boolean
+        required: false
+        default: false
+      skip_migrate:
+        description: "Skip prisma migrate deploy (use when the runner cannot reach MySQL and you migrated by hand)"
+        type: boolean
+        required: false
+        default: false
+
+env:
+  REGISTRY: git.mancinas.io
+
+jobs:
+  deploy:
+    name: Deploy ${{ github.event.inputs.tag }} (${{ github.event.inputs.scope }})
+    runs-on: docker
+    container:
+      image: node:20-alpine
+    steps:
+      - name: Install tools
+        # openssl: prisma's migration engine picks its musl/openssl build at
+        # runtime and cannot resolve one without it.
+        run: apk add --no-cache openssl ca-certificates git
+
+      - uses: actions/checkout@v4
+
+      # An unset secret arrives as an empty string, and the deploy action then
+      # fails with "Input required and not supplied: token" — which names the
+      # action's input, not the secret you forgot. Check them up front and say
+      # exactly which ones are missing.
+      - name: Preflight — required secrets
+        env:
+          PORTAINER_URL_GALACTUS: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          PORTAINER_API_KEY_GALACTUS: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          PORTAINER_ENDPOINT_ID_GALACTUS: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          PORTAINER_APP_STACK_NAME_GALACTUS: ${{ secrets.PORTAINER_APP_STACK_NAME_GALACTUS }}
+          PORTAINER_DB_STACK_NAME_GALACTUS: ${{ secrets.PORTAINER_DB_STACK_NAME_GALACTUS }}
+          PORTAINER_MINIO_STACK_NAME_GALACTUS: ${{ secrets.PORTAINER_MINIO_STACK_NAME_GALACTUS }}
+          DATABASE_URL_GALACTUS: ${{ secrets.DATABASE_URL_GALACTUS }}
+          SESSION_SECRET_GALACTUS: ${{ secrets.SESSION_SECRET_GALACTUS }}
+          APP_API_ORIGIN_GALACTUS: ${{ secrets.APP_API_ORIGIN_GALACTUS }}
+          APP_WEB_ORIGIN_GALACTUS: ${{ secrets.APP_WEB_ORIGIN_GALACTUS }}
+          APP_S3_ENDPOINT_GALACTUS: ${{ secrets.APP_S3_ENDPOINT_GALACTUS }}
+          MINIO_ROOT_USER: ${{ secrets.MINIO_ROOT_USER }}
+          MINIO_ROOT_PASSWORD: ${{ secrets.MINIO_ROOT_PASSWORD }}
+          MYSQL_PASSWORD: ${{ secrets.MYSQL_PASSWORD }}
+          MYSQL_ROOT_PASSWORD: ${{ secrets.MYSQL_ROOT_PASSWORD }}
+          # Not required — the app boots fine without mail. Warned about below,
+          # because the failure mode is remote: everything looks healthy until
+          # someone clicks "Ejecutar" and every send fails.
+          SES_REGION: ${{ secrets.SES_REGION }}
+          SES_FROM: ${{ secrets.SES_FROM }}
+          SES_ACCESS_KEY: ${{ secrets.SES_ACCESS_KEY }}
+          SES_SECRET_KEY: ${{ secrets.SES_SECRET_KEY }}
+          SCOPE: ${{ github.event.inputs.scope }}
+        run: |
+          REQUIRED="PORTAINER_URL_GALACTUS PORTAINER_API_KEY_GALACTUS
+            PORTAINER_ENDPOINT_ID_GALACTUS PORTAINER_APP_STACK_NAME_GALACTUS
+            DATABASE_URL_GALACTUS SESSION_SECRET_GALACTUS
+            APP_API_ORIGIN_GALACTUS APP_WEB_ORIGIN_GALACTUS
+            APP_S3_ENDPOINT_GALACTUS MINIO_ROOT_USER MINIO_ROOT_PASSWORD
+            MYSQL_ROOT_PASSWORD"
+          if [ "$SCOPE" = "full" ]; then
+            REQUIRED="$REQUIRED PORTAINER_DB_STACK_NAME_GALACTUS
+              PORTAINER_MINIO_STACK_NAME_GALACTUS MYSQL_PASSWORD"
+          fi
+          missing=""
+          for name in $REQUIRED; do
+            eval "value=\${$name}"
+            [ -z "$value" ] && missing="$missing $name"
+          done
+          if [ -n "$missing" ]; then
+            echo "::error::missing repo secrets:$missing"
+            echo "::error::set them under Settings > Actions > Secrets"
+            exit 1
+          fi
+          echo "all required secrets present for scope=$SCOPE"
+
+          # Mail is optional to deploy but not optional to work. Say so loudly
+          # rather than letting /notificaciones fail one send at a time.
+          mail_missing=""
+          for name in SES_REGION SES_FROM SES_ACCESS_KEY SES_SECRET_KEY; do
+            eval "value=\${$name}"
+            [ -z "$value" ] && mail_missing="$mail_missing $name"
+          done
+          if [ -n "$mail_missing" ]; then
+            echo "::warning::outbound mail is NOT configured, missing:$mail_missing"
+            echo "::warning::the deploy will succeed, but every notification and"
+            echo "::warning::renewal aviso will fail with 'El envío de correo no"
+            echo "::warning::está configurado.' See docs/MASS_EMAIL_NOTIFICATIONS.md"
+          fi
+
+      # --- full only: database ---------------------------------------------
+      - name: Deploy database stack
+        if: ${{ github.event.inputs.scope == 'full' }}
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          token: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          name: ${{ secrets.PORTAINER_DB_STACK_NAME_GALACTUS }}
+          file: deploy/galactus/jorgecuadros-db.compose.yml
+          type: file
+          standalone: true
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          env_data: |
+            {
+              "MYSQL_SERVER_ID": "1",
+              "MYSQL_PORT": "3306",
+              "MYSQL_DATABASE": "jorgecuadros",
+              "MYSQL_USER": "jorgecuadros",
+              "MYSQL_PASSWORD": "${{ secrets.MYSQL_PASSWORD }}",
+              "MYSQL_ROOT_PASSWORD": "${{ secrets.MYSQL_ROOT_PASSWORD }}"
+            }
+
+      # --- full only: object storage ---------------------------------------
+      - name: Deploy minio stack
+        if: ${{ github.event.inputs.scope == 'full' }}
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          token: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          name: ${{ secrets.PORTAINER_MINIO_STACK_NAME_GALACTUS }}
+          file: deploy/galactus/jorgecuadros-minio.compose.yml
+          type: file
+          standalone: true
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          env_data: |
+            {
+              "MINIO_API_PORT": "9000",
+              "MINIO_CONSOLE_PORT": "9001",
+              "MINIO_ROOT_USER": "${{ secrets.MINIO_ROOT_USER }}",
+              "MINIO_ROOT_PASSWORD": "${{ secrets.MINIO_ROOT_PASSWORD }}"
+            }
+
+      # --- restore point, taken while the OLD api container is still up ------
+      - name: Pre-migrate backup
+        env:
+          PORTAINER_URL: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          PORTAINER_API_KEY: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          PORTAINER_ENDPOINT_ID: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          DATABASE_URL: ${{ secrets.DATABASE_URL_GALACTUS }}
+          # The dump runs as root: --single-transaction issues FLUSH TABLES,
+          # which needs the global RELOAD privilege the application user
+          # deliberately does not have.
+          MYSQL_ROOT_PASSWORD: ${{ secrets.MYSQL_ROOT_PASSWORD }}
+          BACKUP_TAG: ${{ github.event.inputs.tag }}
+          ALLOW_MISSING_CONTAINER: ${{ github.event.inputs.bootstrap }}
+          # Portainer serves a self-signed certificate. Scoped to this step
+          # only, which does nothing but talk to Portainer.
+          NODE_TLS_REJECT_UNAUTHORIZED: "0"
+        run: node deploy/scripts/pre-migrate-backup.mjs
+
+      # --- schema, forward-only ---------------------------------------------
+      - name: Apply database migrations
+        if: ${{ github.event.inputs.skip_migrate != 'true' }}
+        env:
+          DATABASE_URL: ${{ secrets.DATABASE_URL_GALACTUS }}
+        run: |
+          set -e
+          SCHEMA=packages/database/prisma/schema.prisma
+          npx --yes prisma@5 migrate status --schema "$SCHEMA" || true
+          if ! npx --yes prisma@5 migrate deploy --schema "$SCHEMA"; then
+            echo "::error::migrate deploy failed. If this is P3005 (schema not empty),"
+            echo "::error::the database predates migration history — baseline it once with:"
+            echo "::error::  npx prisma@5 migrate resolve --applied 0000_init --schema $SCHEMA"
+            exit 1
+          fi
+
+      # --- make sure the host actually has the images ------------------------
+      # The deploy action's `pull: true` does not reliably refresh an already
+      # cached moving tag. Pull explicitly, or a "successful" deploy can leave
+      # the host serving an older build of the same tag.
+      - name: Pull images
+        env:
+          PORTAINER_URL: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          PORTAINER_API_KEY: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          PORTAINER_ENDPOINT_ID: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          REGISTRY: ${{ env.REGISTRY }}
+          REGISTRY_USERNAME: ${{ secrets.REGISTRY_USERNAME }}
+          REGISTRY_PASSWORD: ${{ secrets.REGISTRY_PASSWORD }}
+          IMAGES: ${{ github.repository_owner }}/jorgecuadros-api,${{ github.repository_owner }}/jorgecuadros-web
+          TAG: ${{ github.event.inputs.tag }}
+          NODE_TLS_REJECT_UNAUTHORIZED: "0"
+        run: node deploy/scripts/pull-images.mjs
+
+      # --- always: the app (web + api) -------------------------------------
+      - name: Deploy app stack
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL_GALACTUS }}
+          token: ${{ secrets.PORTAINER_API_KEY_GALACTUS }}
+          name: ${{ secrets.PORTAINER_APP_STACK_NAME_GALACTUS }}
+          file: deploy/galactus/jorgecuadros-app.compose.yml
+          type: file
+          standalone: true
+          pull: true
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID_GALACTUS }}
+          env_data: |
+            {
+              "APP_TAG": "${{ github.event.inputs.tag }}",
+              "API_PORT": "3001",
+              "WEB_PORT": "3000",
+              "S3_BUCKET": "jorgecuadros-documents",
+              "API_ORIGIN": "${{ secrets.APP_API_ORIGIN_GALACTUS }}",
+              "WEB_ORIGIN": "${{ secrets.APP_WEB_ORIGIN_GALACTUS }}",
+              "S3_ENDPOINT": "${{ secrets.APP_S3_ENDPOINT_GALACTUS }}",
+              "DATABASE_URL": "${{ secrets.DATABASE_URL_GALACTUS }}",
+              "SESSION_SECRET": "${{ secrets.SESSION_SECRET_GALACTUS }}",
+              "SESSION_COOKIE_SECURE": "false",
+              "OPS_DB_ADMIN_USER": "root",
+              "OPS_DB_ADMIN_PASSWORD": "${{ secrets.MYSQL_ROOT_PASSWORD }}",
+              "MINIO_ROOT_USER": "${{ secrets.MINIO_ROOT_USER }}",
+              "MINIO_ROOT_PASSWORD": "${{ secrets.MINIO_ROOT_PASSWORD }}",
+              "SES_REGION": "${{ secrets.SES_REGION }}",
+              "SES_FROM": "${{ secrets.SES_FROM }}",
+              "SES_FROM_NAME": "${{ secrets.SES_FROM_NAME }}",
+              "SES_ACCESS_KEY": "${{ secrets.SES_ACCESS_KEY }}",
+              "SES_SECRET_KEY": "${{ secrets.SES_SECRET_KEY }}",
+              "SES_CONFIGURATION_SET": "${{ secrets.SES_CONFIGURATION_SET }}",
+              "NOTIFICATION_ADMIN_EMAILS": "${{ secrets.NOTIFICATION_ADMIN_EMAILS }}"
+            }
+
+      # --- prove it ----------------------------------------------------------
+      - name: Verify running version
+        env:
+          API_ORIGIN: ${{ secrets.APP_API_ORIGIN_GALACTUS }}
+          WEB_ORIGIN: ${{ secrets.APP_WEB_ORIGIN_GALACTUS }}
+          WANT: ${{ github.event.inputs.tag }}
+        # A stack naming a tag is not proof the containers run it. Ask BOTH
+        # tiers what they are, and require them to be the same commit: api and
+        # web are built from one matrix run, so a difference can only mean one
+        # of them did not actually get replaced.
+        run: |
+          set -e
+          apk add --no-cache curl >/dev/null
+          fetch_version() {
+            for i in $(seq 1 30); do
+              if curl -fsS "$1/version" > "$2"; then return 0; fi
+              echo "waiting for $1 ($i/30)..."
+              sleep 5
+            done
+            echo "::error::$1/version never answered"
+            return 1
+          }
+          fetch_version "$API_ORIGIN" /tmp/api.json
+          fetch_version "$WEB_ORIGIN" /tmp/web.json
+          cat /tmp/api.json; echo; cat /tmp/web.json; echo
+
+          API_SHA=$(node -e 'console.log(require("/tmp/api.json").gitSha)')
+          WEB_SHA=$(node -e 'console.log(require("/tmp/web.json").gitSha)')
+          API_VER=$(node -e 'console.log(require("/tmp/api.json").version)')
+
+          # Compare the COMMIT, not the version string: on a branch build both
+          # tiers report "master", so version equality proves nothing.
+          if [ "$API_SHA" != "$WEB_SHA" ]; then
+            echo "::error::api and web are different builds — api $API_SHA, web $WEB_SHA"
+            echo "::error::one of the images was not replaced; check the Pull images step"
+            exit 1
+          fi
+          echo "api and web agree: $API_SHA"
+
+          # A semver dispatch is additionally comparable to the tag itself:
+          # metadata-action's {{version}} turns tag v1.2.3 into image 1.2.3,
+          # while `latest` and `sha-*` report the branch or short sha instead.
+          case "$WANT" in
+            [0-9]*.[0-9]*.[0-9]*)
+              if [ "$API_VER" != "$WANT" ]; then
+                echo "::error::deployed $WANT but the API reports $API_VER"
+                exit 1
+              fi
+              echo "verified: running $API_VER"
+              ;;
+            *)
+              echo "dispatched '$WANT'; tiers report '$API_VER' (not directly comparable)"
+              ;;
+          esac

.gitea/workflows/deploy.yml

@@ -0,0 +1,328 @@
+# Manual PROD deploy to Portainer.
+#
+# This does NOT build — build.yml already builds + pushes the api/web images.
+# This workflow (re)applies the deploy/*.stack.yml files to the Portainer Swarm.
+# Trigger it by hand from the Actions tab ("Run workflow") and choose:
+#   - tag:   which already-published image tag to ship (default: latest)
+#   - scope: how much to deploy
+#       app  = web + api only (the usual app release)      [default]
+#       full = db + minio + web + api (bring up / update the whole platform)
+#
+# The `tag` input carries NO leading `v`: metadata-action's {{version}} turns
+# git tag v1.2.3 into image tag 1.2.3. Tag v1.2.3, dispatch 1.2.3.
+#
+# Order: db+minio (full only) -> pre-migrate backup -> prisma migrate deploy ->
+# app -> verify the API reports the version you asked for. Rollback = dispatch
+# an older tag; that rolls back CODE only, never the schema, which is why every
+# schema change must be expand/contract. See docs/DEPLOY_AND_MIGRATIONS.md.
+#
+# galactus (the office server) is standalone Docker, not this Swarm — it has its
+# own workflow, .gitea/workflows/deploy-galactus.yml.
+#
+# cssnr/portainer-stack-deploy-action creates each stack on first run and updates
+# it on every run, so no manual stack pre-creation in the Portainer UI. On a
+# `full` deploy the db + minio stacks are applied BEFORE the app (the API depends
+# on them). db + minio are stateful + pinned to node label jorgecuadros_db=true
+# (see their stack files) — re-applying them is idempotent and keeps their data.
+#
+# Prereqs (once):
+#  - one swarm node labelled jorgecuadros_db=true (db + minio + api pin there).
+#  - Gitea repo secrets set (Settings > Actions > Secrets):
+#      # Portainer
+#      PORTAINER_URL              https://192.168.4.212:9443
+#      PORTAINER_API_KEY          Portainer access token
+#      PORTAINER_ENDPOINT_ID      2  (the local Swarm endpoint)
+#      PORTAINER_APP_STACK_NAME   e.g. jorgecuadros-prod-app
+#      PORTAINER_DB_STACK_NAME    e.g. jorgecuadros-prod-db      (full only)
+#      PORTAINER_MINIO_STACK_NAME e.g. jorgecuadros-prod-minio   (full only)
+#      # App runtime
+#      DATABASE_URL               mysql://jorgecuadros:<pass>@192.168.4.212:3306/jorgecuadros
+#      SESSION_SECRET             64-hex (openssl rand -hex 32)
+#      APP_API_ORIGIN             http://192.168.4.212:3001  (browser-facing API URL)
+#      APP_WEB_ORIGIN             http://192.168.4.212:3000  (web public origin, API CORS)
+#      APP_S3_ENDPOINT            http://192.168.4.212:9000  (server-side minio URL)
+#      # Object storage (app + minio stack)
+#      MINIO_ROOT_USER            minio access key
+#      MINIO_ROOT_PASSWORD        minio secret key
+#      # Database stack (full only)
+#      MYSQL_PASSWORD             app-user password (matches DATABASE_URL)
+#      MYSQL_ROOT_PASSWORD        mysql root password
+#  - the runner must reach BOTH Portainer (9443) and MySQL (3306) — the
+#    migration step connects to the database directly. If it cannot reach 3306,
+#    migrate by hand and dispatch with skip_migrate=true.
+#  - ONE-TIME on a database built with `prisma db push` (i.e. every database
+#    that exists today): baseline it before the first run, or the migrate step
+#    fails with P3005 "database schema is not empty":
+#      npx prisma@5 migrate resolve --applied 0000_init \
+#        --schema packages/database/prisma/schema.prisma
+
+name: Deploy to Portainer
+
+on:
+  workflow_dispatch:
+    inputs:
+      tag:
+        description: "Image tag to deploy (latest, sha-<short>, or vX.Y.Z)"
+        required: true
+        default: "latest"
+      scope:
+        description: "What to deploy"
+        type: choice
+        required: true
+        default: "app"
+        options:
+          - app
+          - full
+      bootstrap:
+        description: "First-ever deploy: allow the pre-migrate backup to be skipped when no API container exists yet"
+        type: boolean
+        required: false
+        default: false
+      skip_migrate:
+        description: "Skip prisma migrate deploy (use when the runner cannot reach MySQL and you migrated by hand)"
+        type: boolean
+        required: false
+        default: false
+
+env:
+  REGISTRY: git.mancinas.io
+
+jobs:
+  deploy:
+    name: Deploy (${{ github.event.inputs.scope }})
+    runs-on: docker
+    container:
+      image: node:20-alpine
+    steps:
+      - name: Install tools
+        # openssl: prisma's migration engine picks its musl/openssl build at
+        # runtime and cannot resolve one without it.
+        run: apk add --no-cache openssl ca-certificates git
+
+      - uses: actions/checkout@v4
+
+      # An unset secret arrives as an empty string, and the deploy action then
+      # fails with "Input required and not supplied: token" — which names the
+      # action's input, not the secret you forgot.
+      - name: Preflight — required secrets
+        env:
+          PORTAINER_URL: ${{ secrets.PORTAINER_URL }}
+          PORTAINER_API_KEY: ${{ secrets.PORTAINER_API_KEY }}
+          PORTAINER_ENDPOINT_ID: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          PORTAINER_APP_STACK_NAME: ${{ secrets.PORTAINER_APP_STACK_NAME }}
+          PORTAINER_DB_STACK_NAME: ${{ secrets.PORTAINER_DB_STACK_NAME }}
+          PORTAINER_MINIO_STACK_NAME: ${{ secrets.PORTAINER_MINIO_STACK_NAME }}
+          DATABASE_URL: ${{ secrets.DATABASE_URL }}
+          SESSION_SECRET: ${{ secrets.SESSION_SECRET }}
+          APP_API_ORIGIN: ${{ secrets.APP_API_ORIGIN }}
+          APP_WEB_ORIGIN: ${{ secrets.APP_WEB_ORIGIN }}
+          APP_S3_ENDPOINT: ${{ secrets.APP_S3_ENDPOINT }}
+          MINIO_ROOT_USER: ${{ secrets.MINIO_ROOT_USER }}
+          MINIO_ROOT_PASSWORD: ${{ secrets.MINIO_ROOT_PASSWORD }}
+          MYSQL_PASSWORD: ${{ secrets.MYSQL_PASSWORD }}
+          MYSQL_ROOT_PASSWORD: ${{ secrets.MYSQL_ROOT_PASSWORD }}
+          SCOPE: ${{ github.event.inputs.scope }}
+        run: |
+          REQUIRED="PORTAINER_URL PORTAINER_API_KEY PORTAINER_ENDPOINT_ID
+            PORTAINER_APP_STACK_NAME DATABASE_URL SESSION_SECRET
+            APP_API_ORIGIN APP_WEB_ORIGIN APP_S3_ENDPOINT
+            MINIO_ROOT_USER MINIO_ROOT_PASSWORD MYSQL_ROOT_PASSWORD"
+          if [ "$SCOPE" = "full" ]; then
+            REQUIRED="$REQUIRED PORTAINER_DB_STACK_NAME PORTAINER_MINIO_STACK_NAME
+              MYSQL_PASSWORD"
+          fi
+          missing=""
+          for name in $REQUIRED; do
+            eval "value=\${$name}"
+            [ -z "$value" ] && missing="$missing $name"
+          done
+          if [ -n "$missing" ]; then
+            echo "::error::missing repo secrets:$missing"
+            echo "::error::set them under Settings > Actions > Secrets"
+            exit 1
+          fi
+          echo "all required secrets present for scope=$SCOPE"
+
+      # --- full only: database ---------------------------------------------
+      - name: Deploy database stack
+        if: ${{ github.event.inputs.scope == 'full' }}
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL }}
+          token: ${{ secrets.PORTAINER_API_KEY }}
+          name: ${{ secrets.PORTAINER_DB_STACK_NAME }}
+          file: deploy/jorgecuadros-db.stack.yml
+          type: file
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          env_data: |
+            {
+              "MYSQL_SERVER_ID": "1",
+              "MYSQL_PORT": "3306",
+              "MYSQL_DATABASE": "jorgecuadros",
+              "MYSQL_USER": "jorgecuadros",
+              "MYSQL_PASSWORD": "${{ secrets.MYSQL_PASSWORD }}",
+              "MYSQL_ROOT_PASSWORD": "${{ secrets.MYSQL_ROOT_PASSWORD }}"
+            }
+
+      # --- full only: object storage ---------------------------------------
+      - name: Deploy minio stack
+        if: ${{ github.event.inputs.scope == 'full' }}
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL }}
+          token: ${{ secrets.PORTAINER_API_KEY }}
+          name: ${{ secrets.PORTAINER_MINIO_STACK_NAME }}
+          file: deploy/jorgecuadros-minio.stack.yml
+          type: file
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          env_data: |
+            {
+              "MINIO_API_PORT": "9000",
+              "MINIO_CONSOLE_PORT": "9001",
+              "MINIO_ROOT_USER": "${{ secrets.MINIO_ROOT_USER }}",
+              "MINIO_ROOT_PASSWORD": "${{ secrets.MINIO_ROOT_PASSWORD }}"
+            }
+
+      # --- restore point, taken while the OLD api container is still up ------
+      # Dumped INSIDE the running api container so the file lands in the volume
+      # the "Operaciones" restore screen reads — a dump on the runner would be
+      # unreachable by the only restore path this platform has.
+      - name: Pre-migrate backup
+        env:
+          PORTAINER_URL: ${{ secrets.PORTAINER_URL }}
+          PORTAINER_API_KEY: ${{ secrets.PORTAINER_API_KEY }}
+          PORTAINER_ENDPOINT_ID: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          DATABASE_URL: ${{ secrets.DATABASE_URL }}
+          # The dump runs as root: --single-transaction issues FLUSH TABLES,
+          # which needs the global RELOAD privilege the application user
+          # deliberately does not have.
+          MYSQL_ROOT_PASSWORD: ${{ secrets.MYSQL_ROOT_PASSWORD }}
+          BACKUP_TAG: ${{ github.event.inputs.tag }}
+          ALLOW_MISSING_CONTAINER: ${{ github.event.inputs.bootstrap }}
+          # Portainer serves a self-signed certificate. Scoped to this step
+          # only, which does nothing but talk to Portainer.
+          NODE_TLS_REJECT_UNAUTHORIZED: "0"
+        run: node deploy/scripts/pre-migrate-backup.mjs
+
+      # --- schema, forward-only ---------------------------------------------
+      # Prisma has no down-migrations: a code rollback does NOT roll the schema
+      # back. See docs/DEPLOY_AND_MIGRATIONS.md — every change must be
+      # expand/contract so the previous release still runs against the new
+      # schema. Run as a deploy STEP, never as the container CMD: N replicas
+      # would race each other applying the same migration.
+      - name: Apply database migrations
+        if: ${{ github.event.inputs.skip_migrate != 'true' }}
+        env:
+          DATABASE_URL: ${{ secrets.DATABASE_URL }}
+        run: |
+          set -e
+          SCHEMA=packages/database/prisma/schema.prisma
+          npx --yes prisma@5 migrate status --schema "$SCHEMA" || true
+          if ! npx --yes prisma@5 migrate deploy --schema "$SCHEMA"; then
+            echo "::error::migrate deploy failed. If this is P3005 (schema not empty),"
+            echo "::error::the database predates migration history — baseline it once with:"
+            echo "::error::  npx prisma@5 migrate resolve --applied 0000_init --schema $SCHEMA"
+            exit 1
+          fi
+
+      # --- make sure the host actually has the images ------------------------
+      # The deploy action's `pull: true` does not reliably refresh an already
+      # cached moving tag; without this a "successful" deploy can leave the host
+      # serving an older build of the same tag.
+      - name: Pull images
+        env:
+          PORTAINER_URL: ${{ secrets.PORTAINER_URL }}
+          PORTAINER_API_KEY: ${{ secrets.PORTAINER_API_KEY }}
+          PORTAINER_ENDPOINT_ID: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          REGISTRY: ${{ env.REGISTRY }}
+          REGISTRY_USERNAME: ${{ secrets.REGISTRY_USERNAME }}
+          REGISTRY_PASSWORD: ${{ secrets.REGISTRY_PASSWORD }}
+          IMAGES: ${{ github.repository_owner }}/jorgecuadros-api,${{ github.repository_owner }}/jorgecuadros-web
+          TAG: ${{ github.event.inputs.tag }}
+          NODE_TLS_REJECT_UNAUTHORIZED: "0"
+        run: node deploy/scripts/pull-images.mjs
+
+      # --- always: the app (web + api) -------------------------------------
+      - name: Deploy app stack
+        uses: cssnr/portainer-stack-deploy-action@v1
+        with:
+          url: ${{ secrets.PORTAINER_URL }}
+          token: ${{ secrets.PORTAINER_API_KEY }}
+          name: ${{ secrets.PORTAINER_APP_STACK_NAME }}
+          file: deploy/jorgecuadros-app.stack.yml
+          type: file
+          pull: true
+          endpoint: ${{ secrets.PORTAINER_ENDPOINT_ID }}
+          env_data: |
+            {
+              "APP_TAG": "${{ github.event.inputs.tag }}",
+              "API_PORT": "3001",
+              "WEB_PORT": "3000",
+              "S3_BUCKET": "jorgecuadros-documents",
+              "API_ORIGIN": "${{ secrets.APP_API_ORIGIN }}",
+              "WEB_ORIGIN": "${{ secrets.APP_WEB_ORIGIN }}",
+              "S3_ENDPOINT": "${{ secrets.APP_S3_ENDPOINT }}",
+              "DATABASE_URL": "${{ secrets.DATABASE_URL }}",
+              "SESSION_SECRET": "${{ secrets.SESSION_SECRET }}",
+              "OPS_DB_ADMIN_USER": "root",
+              "OPS_DB_ADMIN_PASSWORD": "${{ secrets.MYSQL_ROOT_PASSWORD }}",
+              "MINIO_ROOT_USER": "${{ secrets.MINIO_ROOT_USER }}",
+              "MINIO_ROOT_PASSWORD": "${{ secrets.MINIO_ROOT_PASSWORD }}",
+              "SES_REGION": "${{ secrets.SES_REGION }}",
+              "SES_FROM": "${{ secrets.SES_FROM }}",
+              "SES_FROM_NAME": "${{ secrets.SES_FROM_NAME }}",
+              "SES_ACCESS_KEY": "${{ secrets.SES_ACCESS_KEY }}",
+              "SES_SECRET_KEY": "${{ secrets.SES_SECRET_KEY }}",
+              "SES_CONFIGURATION_SET": "${{ secrets.SES_CONFIGURATION_SET }}",
+              "NOTIFICATION_ADMIN_EMAILS": "${{ secrets.NOTIFICATION_ADMIN_EMAILS }}"
+            }
+
+      # --- prove it ----------------------------------------------------------
+      # A stack naming a tag is not proof the container is running it — a
+      # skipped pull leaves the old code up. Ask the API what it actually is.
+      - name: Verify running version
+        env:
+          API_ORIGIN: ${{ secrets.APP_API_ORIGIN }}
+          WEB_ORIGIN: ${{ secrets.APP_WEB_ORIGIN }}
+          WANT: ${{ github.event.inputs.tag }}
+        run: |
+          set -e
+          apk add --no-cache curl >/dev/null
+          fetch_version() {
+            for i in $(seq 1 30); do
+              if curl -fsS "$1/version" > "$2"; then return 0; fi
+              echo "waiting for $1 ($i/30)..."
+              sleep 5
+            done
+            echo "::error::$1/version never answered"
+            return 1
+          }
+          fetch_version "$API_ORIGIN" /tmp/api.json
+          fetch_version "$WEB_ORIGIN" /tmp/web.json
+          cat /tmp/api.json; echo; cat /tmp/web.json; echo
+
+          API_SHA=$(node -e 'console.log(require("/tmp/api.json").gitSha)')
+          WEB_SHA=$(node -e 'console.log(require("/tmp/web.json").gitSha)')
+          API_VER=$(node -e 'console.log(require("/tmp/api.json").version)')
+
+          # Compare the COMMIT, not the version string: on a branch build both
+          # tiers report "master", so version equality proves nothing.
+          if [ "$API_SHA" != "$WEB_SHA" ]; then
+            echo "::error::api and web are different builds — api $API_SHA, web $WEB_SHA"
+            echo "::error::one of the images was not replaced; check the Pull images step"
+            exit 1
+          fi
+          echo "api and web agree: $API_SHA"
+
+          case "$WANT" in
+            [0-9]*.[0-9]*.[0-9]*)
+              if [ "$API_VER" != "$WANT" ]; then
+                echo "::error::deployed $WANT but the API reports $API_VER"
+                exit 1
+              fi
+              echo "verified: running $API_VER"
+              ;;
+            *)
+              echo "dispatched '$WANT'; tiers report '$API_VER' (not directly comparable)"
+              ;;
+          esac

.gitea/workflows/release.yml

@@ -0,0 +1,270 @@
+# Cut a release: stamp the version across every package.json, commit, tag, push.
+#
+# This does NOT build and does NOT deploy. Pushing the `vX.Y.Z` tag is what
+# triggers build.yml, which publishes `X.Y.Z`, `X.Y`, `sha-<short>` and `latest`
+# image tags. Deploying stays a separate, deliberate act: once the build is
+# green, dispatch deploy-galactus.yml with `tag=X.Y.Z` (no leading v — the tag
+# carries the `v`, the image tag does not).
+#
+# Why a workflow instead of three local commands: the release commit is the one
+# thing that must be identical every time, and cutting it from a laptop is how
+# a manifest bump gets forgotten or a tag lands on an unpushed commit. Here the
+# only input is the number.
+#
+# Prereqs (once):
+#  - Repo secret RELEASE_TOKEN: a Gitea personal access token with
+#    write:repository on this repo. The built-in Actions token is deliberately
+#    NOT used — whether a push made with it re-triggers build.yml depends on the
+#    Gitea version, and a release that silently publishes no images is worse
+#    than one that fails. A PAT push is an ordinary push and always triggers.
+#    If build.yml somehow does not start, it has workflow_dispatch: run it
+#    against the new tag by hand.
+
+name: Cut release
+
+on:
+  workflow_dispatch:
+    inputs:
+      bump:
+        description: "Which part to bump (choose 'explicit' to type the number)"
+        type: choice
+        required: true
+        default: "minor"
+        options:
+          - patch
+          - minor
+          - major
+          - explicit
+      version:
+        description: "Exact version when bump=explicit (x.y.z, no leading v)"
+        required: false
+        default: ""
+
+jobs:
+  release:
+    name: Release
+    runs-on: docker
+    container:
+      image: node:20-alpine
+    steps:
+      - name: Install tools
+        run: apk add --no-cache git
+
+      - name: Preflight — RELEASE_TOKEN
+        env:
+          RELEASE_TOKEN: ${{ secrets.RELEASE_TOKEN }}
+        run: |
+          set -eu
+          if [ -z "${RELEASE_TOKEN:-}" ]; then
+            echo "::error::Secret RELEASE_TOKEN is not set. Create a Gitea PAT with"
+            echo "::error::write:repository and add it as a repo secret named RELEASE_TOKEN."
+            exit 1
+          fi
+
+      # Full history + tags: the duplicate-tag check below is meaningless
+      # against a shallow clone, which has none of them.
+      - uses: actions/checkout@v4
+        with:
+          fetch-depth: 0
+          ref: master
+          token: ${{ secrets.RELEASE_TOKEN }}
+
+      - name: Resolve the new version
+        id: ver
+        env:
+          BUMP: ${{ github.event.inputs.bump }}
+          EXPLICIT: ${{ github.event.inputs.version }}
+        run: |
+          set -eu
+          CURRENT=$(node -p "require('./package.json').version")
+          echo "current: $CURRENT"
+
+          if [ "$BUMP" = "explicit" ]; then
+            NEXT="$EXPLICIT"
+            if [ -z "$NEXT" ]; then
+              echo "::error::bump=explicit requires the version input."
+              exit 1
+            fi
+          else
+            NEXT=$(node -e '
+              const [cur, part] = process.argv.slice(1);
+              const m = /^(\d+)\.(\d+)\.(\d+)/.exec(cur);
+              if (!m) { console.error(`unparseable current version: ${cur}`); process.exit(1); }
+              let [maj, min, pat] = m.slice(1).map(Number);
+              if (part === "major") { maj += 1; min = 0; pat = 0; }
+              else if (part === "minor") { min += 1; pat = 0; }
+              else { pat += 1; }
+              process.stdout.write(`${maj}.${min}.${pat}`);
+            ' "$CURRENT" "$BUMP")
+          fi
+
+          # set-version.mjs validates the shape too, but failing here keeps the
+          # working tree clean when the input is a typo.
+          case "$NEXT" in
+            v*) echo "::error::Version must not carry a leading 'v' (got $NEXT)."; exit 1 ;;
+          esac
+          if ! printf '%s' "$NEXT" | grep -Eq '^[0-9]+\.[0-9]+\.[0-9]+(-[0-9A-Za-z.-]+)?$'; then
+            echo "::error::Invalid version: $NEXT (expected x.y.z)."
+            exit 1
+          fi
+          if [ "$NEXT" = "$CURRENT" ]; then
+            echo "::error::$NEXT is already the current version."
+            exit 1
+          fi
+          if git rev-parse -q --verify "refs/tags/v$NEXT" >/dev/null; then
+            echo "::error::Tag v$NEXT already exists. Releases are immutable — pick a new number."
+            exit 1
+          fi
+
+          echo "next: $NEXT"
+          echo "version=$NEXT" >> "$GITHUB_OUTPUT"
+
+      - name: Stamp the version across every manifest
+        run: node scripts/set-version.mjs "${{ steps.ver.outputs.version }}"
+
+      # A release whose only content is the version bump means the dispatch was
+      # a mistake — set-version.mjs already refused a no-op above, so an empty
+      # diff here means the manifests were somehow already at this number.
+      - name: Commit, tag, push
+        env:
+          RELEASE_TOKEN: ${{ secrets.RELEASE_TOKEN }}
+          VERSION: ${{ steps.ver.outputs.version }}
+          ACTOR: ${{ github.actor }}
+        run: |
+          set -eu
+          if git diff --quiet; then
+            echo "::error::No manifest changed. Nothing to release."
+            exit 1
+          fi
+
+          git config user.name "gitea-actions"
+          git config user.email "actions@git.mancinas.io"
+
+          git commit -a \
+            -m "chore(release): v${VERSION}" \
+            -m "Cut by ${ACTOR} via the \"Cut release\" workflow. Pushing the tag triggers build.yml; deploy separately with tag=${VERSION}."
+          git tag -a "v${VERSION}" -m "v${VERSION}"
+
+          # Re-point at an authenticated remote. The token is a secret, so Gitea
+          # masks it in the log; nothing here echoes the URL regardless.
+          git remote set-url origin \
+            "$(printf '%s' "${GITHUB_SERVER_URL}" | sed "s#://#://x-access-token:${RELEASE_TOKEN}@#")/${GITHUB_REPOSITORY}.git"
+
+          # One push for both refs: a commit that lands without its tag builds
+          # nothing and looks like a successful release.
+          #
+          # The output is captured because a failing *post-receive* hook does not
+          # fail the push: git prints `remote: error: ...`, updates both refs and
+          # exits 0. That is how v1.0.3 was cut — the hook 500'd, so Gitea never
+          # created the build run, and this step went green anyway.
+          if ! git push origin "HEAD:master" "refs/tags/v${VERSION}" 2>push.log; then
+            cat push.log
+            echo "::error::Push failed. Nothing was released."
+            exit 1
+          fi
+          cat push.log
+
+          if grep -q '^remote: error' push.log; then
+            echo "::warning::The remote's post-receive hook errored. Both refs landed,"
+            echo "::warning::but Gitea most likely created no workflow run for them."
+            echo "::warning::The next step checks and dispatches build.yml if needed."
+          fi
+
+          echo "sha=$(git rev-parse HEAD)" >> "$GITHUB_OUTPUT"
+        id: push
+
+      # Gitea creates workflow runs from the post-receive hook, so a hook error
+      # silently costs you the build: the tag exists, no image is ever published,
+      # and the failure only surfaces later as a 404 when deploy pulls the image.
+      # Confirm the run exists; dispatch it if it does not; fail loudly if that
+      # does not work either.
+      - name: Verify build.yml started
+        env:
+          RELEASE_TOKEN: ${{ secrets.RELEASE_TOKEN }}
+          VERSION: ${{ steps.ver.outputs.version }}
+          SHA: ${{ steps.push.outputs.sha }}
+        run: |
+          node -e '
+            const base = `${process.env.GITHUB_SERVER_URL}/api/v1/repos/${process.env.GITHUB_REPOSITORY}`;
+            const headers = { Authorization: `token ${process.env.RELEASE_TOKEN}` };
+            const sha = process.env.SHA;
+            const tag = `v${process.env.VERSION}`;
+            const sleep = (ms) => new Promise((r) => setTimeout(r, ms));
+
+            // The master push and the tag push carry the SAME commit, so a sha
+            // match alone is not enough: build.yml skips the master run by
+            // design, and that skipped run would satisfy a sha-only check even
+            // if the tag run were never created. When the API reports a ref for
+            // the run, require it to be the tag; when it reports none, fall back
+            // to the sha match rather than failing a release over a field name.
+            const isTagRun = (r) => {
+              const ref = r.head_branch || r.ref || "";
+              return !ref || ref === tag || ref === `refs/tags/${tag}`;
+            };
+
+            const started = async () => {
+              const res = await fetch(`${base}/actions/runs?limit=30`, { headers });
+              if (!res.ok) throw new Error(`runs query failed: HTTP ${res.status}`);
+              const body = await res.json();
+              return (body.workflow_runs || []).some(
+                (r) =>
+                  r.head_sha === sha &&
+                  String(r.path || "").includes("build.yml") &&
+                  isTagRun(r),
+              );
+            };
+
+            // The hook fires synchronously with the push, so a run that is coming
+            // is usually already there; the retries cover a busy instance.
+            const poll = async (attempts) => {
+              for (let i = 0; i < attempts; i++) {
+                if (await started()) return true;
+                await sleep(10_000);
+              }
+              return started();
+            };
+
+            (async () => {
+              if (await poll(3)) {
+                console.log(`build.yml is running for ${sha}.`);
+                return;
+              }
+
+              console.log(`No build.yml run for ${sha}. Dispatching against ${tag}.`);
+              const res = await fetch(
+                `${base}/actions/workflows/build.yml/dispatches`,
+                {
+                  method: "POST",
+                  headers: { ...headers, "Content-Type": "application/json" },
+                  // Must be the tag, not master: metadata-action only emits the
+                  // X.Y.Z and X.Y image tags when the ref is a semver tag. And
+                  // it must be the fully qualified ref — Gitea 404s on `v1.0.3`.
+                  body: JSON.stringify({ ref: `refs/tags/${tag}` }),
+                },
+              );
+              if (!res.ok) console.log(`Dispatch returned HTTP ${res.status}.`);
+
+              if (await poll(3)) {
+                console.log(`build.yml is running for ${sha}.`);
+                return;
+              }
+
+              console.log(`::error::${tag} is pushed but nothing is building it, and`);
+              console.log(`::error::the dispatch did not take. Run "Build and Push Images"`);
+              console.log(`::error::by hand with ref=${tag} (the tag, not master), then`);
+              console.log(`::error::deploy. Check the Gitea server log for the`);
+              console.log(`::error::post-receive error while you are at it.`);
+              process.exit(1);
+            })();
+          '
+
+      - name: Summary
+        env:
+          VERSION: ${{ steps.ver.outputs.version }}
+        run: |
+          set -eu
+          echo "Released v${VERSION}."
+          echo ""
+          echo "build.yml is now building git.mancinas.io/rmancinas/jorgecuadros-{api,web}:${VERSION}."
+          echo "When it is green, dispatch 'Deploy to galactus' with:"
+          echo "  tag=${VERSION}  scope=app  bootstrap=false  skip_migrate=false"

PLAN.md

@@ -1,5 +1,11 @@
 # Unified Customer / Insurance / Utilities Platform — Migration & Rebuild Plan
 
+> **Looking for what is still outstanding?** → [`docs/BACKLOG.md`](docs/BACKLOG.md).
+> This document is the plan and its running status; the backlog collects every
+> open item — blocked-on-Jorge decisions, live data defects, unbuilt features
+> and deploy blockers — in one list, checked against the code rather than
+> against these notes.
+
 ## Context
 
 Jorge Cuadros & Assoc. runs two lines of business — property/utility management (`UTILITIES.accdb`) and insurance brokerage (`SEGUROS 16.mdb` + its linked backend `SEGUROS 16_be.mdb`) — out of separate, decades-old MS Access databases, plus a third file (`SCOTHIA.mdb`) that's the office's own Scotiabank checking-account register ("chequera"). The same people are customers of both business lines, but today there's no shared customer record: a person's utility account and their insurance policies live in unrelated systems with independent, inconsistent copies of their name/address/contact info. The bank register is a fourth, disconnected source of truth for the money actually moving through the office's own account.
@@ -130,6 +136,33 @@ Given the amount of near-duplicate/overlapping data across snapshot tables (mult
 8. VPS provisioning + Tailscale + MySQL replication setup. `utility_dbo`'s schema is now available (full dump on disk — 55 tables; see Status), so the exact replicated table/column set and inbox-table shape can be finalized against the real portal DB and the portal PHP code (`my-jorgecuadros-web`) that reads/writes it.
 9. Sync worker (push replicated tables' relevant subset, poll inbox tables for payment/propane submissions) — depends on step 8. **The separate Phase B Access additive sync is implemented:** `migration/run_all.py --sync` and the admin `SYNC` job upsert legacy-owned rows without truncating the database or touching manual rows. Portal write points confirmed present in `utility_dbo`: `peticion_gas` (propane requests), PayPal payment writes, `notifications_settings`, `verification_codes` — these define the VPS→internal inbox set.
 10. Reports/email campaigns/admin — parity with old app's `reports.php`/`emailCampaigns.php` intent, rebuilt properly.
+11. **Receipt capture ("Editor") completion + three net-new ops features — NOT STARTED, spec written.** Full design in [`docs/RECEIPT_CAPTURE_SPEC.md`](docs/RECEIPT_CAPTURE_SPEC.md), from the 2026-07-25/26 meeting with Jorge:
+    - **Receipt capture module — DONE** (2026-07-27). The legacy "Editor" replacement, built on the single-movement capture from step 6. Wires up the previously-unused `Transaction.outstanding` (NOPAGO): capture flag on `POST /billing`, `?outstanding=` list filter, `POST /billing/:id/resolve-outstanding` (gated `ledger:create`, not `ledger:void` — resolving *completes* a capture), and exclusion from every balance aggregate exactly as the legacy `SALDOS ULTIMO 0`'s `HAVING NOPAGO = 0` did. Adds `POST /billing/batch` (one `$transaction`, check-level fields shared, per-line customer/amount) and `GET /billing/by-check`, plus the `cheque-count` report replacing `REPORTE CHEQUE COUNT` / `REPORTE POR CHEQUE` / `EDITA CHEQUE ALF|COUNT|NUM` — print/PDF/CSV/XLSX come free from the existing `/reportes/:slug` machinery. Web: `/estado-cuenta/lote` (the actual "Editor" screen, with live reconciliation against the physical check amount), plus an "Estado de pago" filter, a "sin fondos" row tag and a Resolver dialog on `/estado-cuenta`. No new abilities. Verified end-to-end against dev, API + browser.
+      **Two pre-existing bugs found and fixed while building it:** (a) `statement()` filtered `legacySourceTable: { notIn: [...] }`, which compiles to SQL `NOT IN` — and `NULL NOT IN (…)` is NULL, so **every app-captured movement was invisible on the customer statement** (438 rows in the movement browser vs 392 on the statement) while still appearing everywhere else. This would have made the whole receipt-capture feature look broken to staff. Now NULL-safe. (b) The balances *count* query omitted the void filter its own page query applied, so the row count disagreed with the rows.
+      **OCR seam:** `BillingService.createBatch(dto, opts)` is the single multi-row write path and carries three contract guarantees for the step-11 OCR module to post through — `items[i]` maps to `lines[i]` (so `StatementDocument.postedTransactionId` can be zipped back on), `opts.refs[i]` stamps `captureRef` with a duplicate-post guard that a *voided* row deliberately does not block, and `opts.source` is service-level only so an HTTP client cannot label hand-keyed rows as machine-captured. Backed by a new `TransactionCaptureSource` enum (MANUAL/BATCH/OCR) + `captureRef`, both nullable so the 40,136 migrated rows stay NULL rather than being mislabelled.
+    - **PDF/OCR auto-capture — DONE** (2026-08-01). As-built write-up in [`docs/STATEMENT_OCR.md`](docs/STATEMENT_OCR.md); the design and the measured evidence stay in the spec's §2. The ingest→split→OCR→match→review pipeline for the 300+/month/service-provider statements staff key in by hand, built in `apps/api/src/statements/` and posting through §1.2's `createBatch` seam with `source: "OCR"` and a per-document `captureRef`. Web: `/recibos` + `/recibos/:id`. Abilities `statement:ingest`/`statement:review` (STAFF — the review step is what makes machine capture safe at that tier). OCR is self-hosted **Tesseract** behind a swappable `OcrProvider` interface; `tesseract-ocr`, `tesseract-ocr-data-spa` and `poppler-utils` were added to the API image.
+      **Every decision was driven by 10 real scans (46 pages).** Shipped-parser results on them: provider 46/46, account ref 43/46, amount 42/46, due date 44/46 — and against the dev database **39/46 (85%) exact auto-match, 40/46 (87%) identified**, the rest genuine review cases. The scans are pure images (no text layer), so OCR is mandatory, and they arrive **bundled one customer per page**.
+      **The three gaps are closed, and two of them were mis-stated in the spec.** (a) `TELEPHONE` now exists and is backfilled from `Property.phone1` only — coverage is 534/18/1 across phone1/2/3, so phone is one billed line per property, not three. (b) **Clave catastral ≠ predial**: `DATMEX.clave` (934 rows, `KA903009`) is what CESPT and predial bills actually print, while `predial` — what `PROPERTY_TAX.accountNumber` holds — has only 663 distinct values across 1135 rows and appears on no statement; the clave now lives on `Property.cadastralKey` as the matcher's secondary key and predial is left untouched. (c) Gas was **not** a dead end: 160 of the 334 `DATMEX.gas` values are real account numbers (the rest are `ESTACIONARIO`/`CILINDRO` descriptors), all recovered into `GAS.meterNumber`.
+      **Matching is scoped per service kind and never reads the customer name** — a CESPT receipt prints `ARNAIZ ROSAS ELSA AURORA` for an account this office holds under `CATT, RANDY`, because the name on a utility bill is the registrant, not the current owner. Normalisation is per provider: CFE strips leading zeros off `NO. DE SERVICIO`, Telnor strips the 664 LADA down to the stored local 7 digits. Where a provider prints a payment barcode it is preferred over the printed label (one CFE label OCR'd a digit too many while its barcode was correct) and the two are cross-checked, with disagreement forcing review. Confirming a document whose service had no reference writes it back, so gas and any other cold start is a one-time cost.
+    - **Policy OCR capture — DONE** (2026-08-01), **unplanned — it came out of building the bullet above.** Full write-up in [`docs/POLICY_OCR.md`](docs/POLICY_OCR.md). Once the receipt pipeline existed it was obvious the same render→OCR→parse→match→review shape fits the *other* stack of paper this office keys in by hand: the carrier policy PDFs behind every `Policy` row. Built in `apps/api/src/policy-ocr/` with a GMX parser, `policy_ocr_batches`/`policy_ocr_documents`, and abilities `policy:ingest`/`policy:ocr-review` (STAFF, same trust tier and same reason). Web: `/polizas/captura` is the "automática" tab of the policy-creation screen (`/polizas/nuevo` is the manual one, both render `PolicyCaptura.tsx`) with the review queue at `/polizas/captura/[id]`. The `OcrProvider` seam was **extracted out of `StatementsModule` into its own `OcrModule`** to make this possible — that was blocking, not cosmetic; `StatementsModule` now imports it and binds nothing.
+      **The statement pipeline's core assumption inverts here.** Utility statements arrive bundled *one customer per page*, so there a page is a document; a GMX certificate is one policy across two pages (header on 1, coverage table on 2), so the pipeline concatenates the pages and runs the parser and matcher **once per file**. `PolicyOcrDocument.pageNumber` is therefore the file ordinal in the batch, and `storageKey` points at the **source PDF** (the review screen embeds the exact artifact the office received) rather than at a page image. Matching is on `Policy.policyNumber` alone and never the printed insured name — the same registrant-vs-owner drift that rules names out on the utility side. Zero hits means a new policy and confirm creates it; more than one is surfaced, never auto-picked.
+      **The GMX certificate carries no premium at all** — the figure lives on a separate `recibo` PDF — so the premium fields stay null with a note saying why, confirm never overwrites an existing premium with null, and the optional ledger write is gated on staff ticking `postPremium` *and* a premium actually parsing. 8/8 parser tests against one real document (`HC_Folio_000767_Traduccion.pdf`). GMX is the only carrier implemented; the dispatcher is a pattern table, so a second one is a parser function and two entries.
+    - **Multi-bank chequera — DONE** (2026-07-27). `Bank`/`BankAccount` models so Seguros (US bank) and Utilities (Mexican bank, currently SCOTHIA) can each have their own register. `bank_transactions` gained a **required** `bankAccountId` (plus an `(bankAccountId, transactionDate)` index, since every read is now filtered by account and ordered by date), and all 22,669 existing rows were backfilled onto a seeded "Utilities — Scotiabank (MXN)" account by `migration/backfill_bank_accounts.py` — a standalone step because `prisma db push` cannot add a required column to a populated table. It is idempotent and now runs inside `run_all.py` (both normal and `--sync`) ahead of `transform_bank.py`, which fails fast if the account is missing. Every read path in `bank.service.ts` is account-scoped, including `facets()` (which had no filter at all) and *both* raw-SQL rollups in `summary()`. API: `?bankAccountId=` is required on `list`/`stats`/`facets`/`summary` — **not** optional-with-an-all-accounts-default, since summing an MXN and a USD register repeats exactly the currency-collapsing mistake the billing module exists to prevent — plus a new `bank/accounts` + `bank/banks` sub-resource under a MANAGER `bank:manage-accounts` ability. Web: `/banco` gained an account picker (remembered per browser) and reads every figure in the selected account's currency, `/banco/cuentas` manages banks and accounts, and `/inicio`'s chequera card names the account it is showing instead of implying one register. An account's `currency` is immutable after creation by design — its booked movements are denominated in it. Verified against dev + browser: a second USD account showed full read/write isolation from the MXN register, whose totals were unchanged.
+    - **Customer-number recycling** — promotes the legacy `NUM id` (currently only inside `customer_legacy_refs`) into a first-class, reusable `Customer.customerNumber`, automates *finding* candidates for reuse (cancelled / 1-year-inactive), and auto-assigns the lowest free number at creation — the search is automated, the release/reuse decision stays a human action. Backfill needs care: ~140 utilities rows and all insurance-only customers have no real legacy number (synthetic `rownum_N`/`insrow_N` placeholders in `transform_customers.py`, not real `NUM id`s).
+    
+    Several open questions block parts of this (OCR provider/budget, the Seguros bank's identity, the clave-catastral-vs-predial mismatch, exact recycling triggers, and whether "recycling" should ever mean true data purge vs. archive-and-reuse-the-number) — see the spec's collected open-questions section.
+12. **Insurance features — one of four built, rest spec'd.** Full design in [`docs/INSURANCE_FEATURES_SPEC.md`](docs/INSURANCE_FEATURES_SPEC.md), the insurance half of the same 2026-07-25/26 meeting with Jorge that produced step 11:
+    - **Renewal notification emails — DONE** (2026-08-01, extended 08-02). A sweep that mails the customer 30 days before expiry, 15 days before, and 7 days after, mapping onto `RenewalNotice.generation` 1/2/3 with **no schema change**. Sending is **Amazon SES** (`@aws-sdk/client-sesv2`, mirroring `StorageService`'s optional-client/degrade-don't-crash pattern). The letter body is the *existing* `aviso-renovacion` report; `@@unique([policyId, generation])` is already-in-place idempotency, so a re-run cannot double-send. Volume ≈260 mails/month, and **815 of the 893 policyholders (91%) have an email**.
+      **Three things came out differently from the spec.** (a) The manual mark-as-sent mutation was **dropped on purpose** — a button that marks a notice sent without sending anything lets the list claim a customer was told when they were not. `POST /renewals/send` replaced it: sending from the list *is* the marking, and the report's `enviadas` total becomes real the same way. (b) The send history is **not renewal-specific** — every attempt, including the failures and no-email skips a `RenewalNotice` row cannot represent, also writes `email_notification_log` as `RENEWAL_NOTICE`/`POLICIES`, shared with the four bulk jobs from [`docs/MASS_EMAIL_NOTIFICATIONS.md`](docs/MASS_EMAIL_NOTIFICATIONS.md). `RenewalNotice` stays *gating* state; the log is *history*. (c) The `@Cron("0 6 * * *")` literal the spec called for lasted one day: both this sweep and the servicios jobs now take their cadence from `NotificationScheduleService`, stored in `app_settings` and reinstalled on save — no redeploy. Defaults preserve the old behaviour (pólizas 06:00 daily, servicios off).
+      **Both halves live on one screen.** `/notificaciones` has Servicios and Pólizas tabs over the one log; `/renovaciones` is an alias onto the Pólizas tab. The send flags (`debug` in particular) sit in the shell above the tabs and govern both — before that there was no way to test a renewal aviso without mailing a real customer. A debug send diverts the mail, skips the `RenewalNotice` upsert **and** does not advance the sweep's `lastSuccessfulAt`; all three are needed together, or a test run silently narrows tomorrow's window and drops the letters it only pretended to send.
+      **Production status:** the `SES_*` Gitea secrets were created 2026-08-02, clearing the last blocker — but the feature has not shipped yet (master is well past the newest tag) and nothing has confirmed that `SES_FROM` is a verified SES identity or that the account is out of the sandbox. Run the first sweep with `debug` on. See [`docs/BACKLOG.md`](docs/BACKLOG.md) §0.
+    - **Liquidación batch workflow** — ~70% already built (`liquidated`/`liquidationNumber`/`liquidationDate` are wired through DTOs, list filter, stats, form and detail page); only the *batch* print-and-mark step is missing, against a live pending set of 226 policies. Adds a ramo-parameterized pending report plus `POST /policies/liquidate-batch` under a new MANAGER `policy:liquidate` ability. Parameterized by ramo, not MULT-only — legacy `TABLA LIQUIDA MF` served `MULT`, `INCENDIO` and `M EMPR` alike.
+    - **Certificate / "Solicitud Atlas"** — renders from the same `format: "letter"` machinery `aviso-renovacion` uses, then reaches customers as an extension of the step-8/9 replication (PDF generated here, pushed to MinIO, pointer replicated), **not** as a new public surface in this repo. Half-blocked: "Solicitud" has zero referent in the legacy system and normally means an *application form*, a different artifact from a certificate.
+    - **Carrier API integration (ANA Seguros + GMX)** — shape only (`CarrierConnector` + an import-review queue rather than direct `Policy` writes, matching how step 11's OCR results are routed). Carrier research done 2026-07-27: **the two carriers are one company** — both belong to **Grupo Valore** (ANA writes autos, GMX writes daños, which is exactly this database's `AUTO`/`LICENCIAS` vs `MULT`/`INCENDIO`/`M_EMPR` split), so it is one commercial relationship, not two. **ANA has a real live SOAP service** (`server.anaseguros.com.mx/ananetws/service.asmx`, ASP.NET `.asmx`) with a published operation list — catalogs, `CalculaValor`/`CalculaMSI`, `ValidaSerie`, `RecuperaCotizacion`, `Transaccion`. **GMX publishes no machine interface at all**, only human agent portals. ⚠️ **Critical mismatch:** every ANA operation serves *new-business quoting/issuance*, not "list the policies where I am agent of record" — so if the ask is inbound portfolio sync, no evidence exists that either carrier sells it. Blocked on one phone call to Grupo Valore ((55) 5480-4000) for credentials + a direction answer, not on further research. ("GDMX" in the meeting notes was a typo for `GMX` — confirmed 2026-07-27.)
+
+    **Two pre-existing defects were found while verifying this spec and should be fixed as part of the liquidación work:** (a) `policy_types` is missing its `INCENDIO` and `M_EMPR` rows and, because `policies_policyTypeId_fkey` is `ON DELETE SET NULL`, 5 `m_empr` policies silently lost their ramo — 4 of them are pending liquidación and are invisible to every ramo-filtered query; (b) the legacy settlement slots don't match what the target model assumed — `MULT`/`INCENDIO` carry two and `M EMPR` carries four, while `Policy` collapses to one, so ≤41 MULT second settlements were dropped in migration. Spec recommends moving settlement onto `PolicyPaymentInstallment` rather than adding a second slot.
+
+    **One long-standing open question is closed by this spec:** `DATGRAL.[NUM UTIL]` is authoritative for Utilities↔Seguros reconciliation and **`UTILSEG` must not be used** — its numbers resolve to unrelated people under every reading tested (name match 58/1,024 vs. 298/563 for `NUM UTIL`), and where the two sources overlap they contradict each other on 170 of 218 shared ids. This matters to step 11's customer-number recycling, which touches the same identity space.
 
 ## Status
 
@@ -139,6 +172,16 @@ Repo scaffolded at `jorgecuadros-platform/`: npm workspaces, NestJS API with a r
 
 **Portal live DB now in hand.** `utility_dbo.sql` (1.3 GB, 55 tables) and the portal codebase `my-jorgecuadros-web` (PHP/`mysqli`, Gitea repo, themed classic/modern, ~397 PHP files, core in `scripts/functions.php`) are both on disk — resolving the long-standing "`utility_dbo` schema unknown" blocker. Sync-relevant tables identified: statements/money (`utility_bills`, `accounting`, `email_alert_log`), customer/property (`home_owners`, `home_index`, `condominium`, `management`, `hoa_management`, `trust_assist`), portal-facing policy views (`fm2`/`fm3`/`fmt`, `full_coverage`, `mx_liability`, `usa_liability`), and portal write points (`peticion_gas`, PayPal payments, `notifications_settings`, `verification_codes`). A second dump, `jorgecuadros.sql` (38 MB, 11 tables — `pagos`/`pagosemail`/`PROPANO`/`TRUSTVENCE`/etc.), appears to be an older/partial export, not the portal live DB.
 
+**Step 11 is now three-quarters built.** Receipt capture, the multi-bank chequera and PDF/OCR auto-capture are all done and verified; only customer-number recycling remains unbuilt. `docs/RECEIPT_CAPTURE_SPEC.md` carries a BUILT note per section recording what shipped and, for §2, the four things real scanned statements proved the spec had wrong or unknown.
+
+Each of the two OCR intakes now has an as-built doc separate from its spec — `docs/STATEMENT_OCR.md` and `docs/POLICY_OCR.md`. The specs record what was designed and why; those record what is in the code. They share one `OcrProvider` seam (`apps/api/src/ocr/`), so the Tesseract-vs-managed-API decision is one line for both.
+
+**It also produced a feature nobody planned.** The statement OCR pipeline generalised: the same render→OCR→parse→match→review shape reads **carrier policy PDFs** into `Policy` rows, which is `docs/POLICY_OCR.md` (built 2026-08-01, GMX only so far). It belongs to step 12's subject matter but to step 11's lineage, and it is in no spec — worth knowing before reading `INSURANCE_FEATURES_SPEC.md`, which does not mention it. It also partly overlaps what §4's carrier API was wanted for, and unlike that section it is not blocked on a phone call.
+
+**Step 12 is one-quarter built.** `docs/INSURANCE_FEATURES_SPEC.md` covers the insurance half of the same meeting (renewal emails, liquidación batch, certificate + portal delivery, carrier APIs) — see Build sequencing step 12 above. Verified the same way, plus a live query of the dev DB for the counts it quotes (email coverage, pending liquidación, installment fill rates) and of the staged Parquet for the legacy settlement-slot usage. **§1 renewal emails is done** (2026-08-01/02) and carries a BUILT note recording the three places the build diverged from the spec; §2 liquidación is still the smallest remaining piece, since the per-policy fields are already wired end to end.
+
+**Notifications are one screen, not two features.** The four legacy mass-email jobs (`docs/MASS_EMAIL_NOTIFICATIONS.md`) and the insurance renewal avisos both mean "tell a customer something by email", so they are tabs of `/notificaciones` over one `email_notification_log`, with one shared flags panel and one schedule editor. `app_settings` + `SettingsService` (db → env → default) is the operator-config seam they introduced: summary recipients and both sweep cadences live there, so changing any of them is a save, not a redeploy. Credentials stay in the environment.
+
 ## Decisions (locked)
 
 - **Stack:** Next.js + NestJS + Prisma + **MySQL** (locked earlier — see engine rationale above).
@@ -155,6 +198,30 @@ Repo scaffolded at `jorgecuadros-platform/`: npm workspaces, NestJS API with a r
 - **VPS provisioning:** provider (Hetzner vs DigitalOcean), size, and Tailscale + MySQL replica setup on it — an ops task, still pending. Design is settled; only the box is missing.
 - **Old external-DB credential** (hardcoded plaintext MySQL password in the old repo's `dbConnection.php`, in git history) — rotate it regardless, since it's already exposed.
 
+## Open design questions (steps 11 & 12 — need Jorge before/while building)
+
+Unlike the ops items above, these block design decisions, not just infrastructure. Full detail in each section of `docs/RECEIPT_CAPTURE_SPEC.md` (step 11) and `docs/INSURANCE_FEATURES_SPEC.md` (step 12):
+
+**Step 11 — utilities/ops side:**
+
+- ~~OCR provider/budget~~ — **CLOSED**: self-hosted Tesseract, chosen on measured accuracy against real scans, so there is no per-page cost to approve.
+- ~~Whether `PROPERTY_TAX.accountNumber` (from `DATMEX.PREDIAL`) is the same number as "Clave Catastral" (`DATMEX.CLAVE`)~~ — **CLOSED**: they are different numbers. Answered from real CESPT bills plus the staged data; the clave is now migrated separately and predial was left alone.
+- Whether the CFE figure to charge is the rounded headline/barcode amount (`$268` — what is actually paid at the window) or the exact breakdown `Total` (`$268.88`). The parser takes the barcode amount; one confirmation from Jorge would settle it.
+- The actual bank name/currency/details for the Seguros USD account, and whether any historical Seguros bank register exists to migrate. (Multi-bank support itself is **built** — this is now only the missing content: staff can open the account in `/banco/cuentas` the moment the answer arrives, and it starts empty unless a historical register turns up.)
+- The exact "1 year inactivity" / "cancelled" triggers for customer-number recycling eligibility.
+- Whether customer-number recycling should ever include true PII purge (matching the office's paper-world habit) or archive-and-reuse-the-number is sufficient — recommended default is archive-only, consistent with this project's existing never-hard-delete convention.
+
+**Step 12 — insurance side:**
+
+- Which SES region + verified sending identity/configuration set the renewal mail goes out under, and whether it reuses the existing IAM credentials or gets its own scoped `ses:SendEmail` user. (Provider and budget are *not* open — SES is settled.)
+- What to do with the 78 policyholders who have no email on file: skip silently, or produce a print worklist? Recommended: the worklist, since `aviso-renovacion` already renders exactly those letters.
+- Whether renewal notices go out in Spanish or English — `Customer` carries no language preference.
+- What "garantías" refers to — it has zero referent in the legacy data, and it blocks the liquidación batch's exclusion filter.
+- Whether policy settlement should move onto `PolicyPaymentInstallment` (recommended) or gain a second slot on `Policy`, and whether to backfill the ≤41 MULT second settlements lost in migration.
+- Whether batch liquidación warrants a new MANAGER-level `policy:liquidate` ability (recommended) or should reuse the existing STAFF-level `policy:update`.
+- **What "Solicitud Atlas" actually is** — an application form or a certificate. These are different artifacts with different data and timing; this blocks the whole certificate feature.
+- **Carrier integration direction** — outbound quote/issue (which ANA's SOAP service supports today) or inbound sync of the office's existing book (which nothing found suggests either carrier offers)? This decides whether the feature is buildable at all. Bundle with the other three carrier questions into one call to Grupo Valore ((55) 5480-4000): WSDL + credentials for the ANA service, whether a cartera/portfolio download exists for an agent's own book, whether GMX daños has any machine interface, and whether one credential spans both carriers. ("GDMX" is resolved — it was a typo for `GMX`.)
+
 ## Verification
 
 - Migration: automated row-count/sum reconciliation between `staging` and final schema per table group (see step 5 above), run as part of the migration script, not a manual spot-check.

README.md

@@ -4,7 +4,8 @@ Internal platform for a Baja California insurance brokerage and property-service
 firm: a single expedient joining each client's **properties/services**,
 **insurance policies**, **account statement**, and the firm's **checkbook**.
 It replaces a legacy PHP/Access app (see `RESUME.md` and `PLAN.md` for the full
-history and rebuild rationale).
+history and rebuild rationale, and [`docs/BACKLOG.md`](docs/BACKLOG.md) for
+everything still outstanding).
 
 The UI is Spanish-first; the codebase and this document are in English.
 
@@ -40,8 +41,21 @@ docker-compose.yml          mysql + api + web
 ```
 
 API feature modules: `auth`, `users`, `customers`, `policies`, `properties`,
-`billing`, `bank`. Web routes: `/clientes`, `/polizas`, `/servicios`,
-`/estado-cuenta`, `/banco` (chequera), `/catalogos`, `/usuarios`, `/login`.
+`billing`, `bank`, `reports`, `notifications`, `renewals`, `mail`, `statements`,
+`policy-ocr`, `ocr`, `storage`, `settings`, `ops`.
+
+Web routes: `/inicio`, `/clientes`, `/polizas` (+ `/polizas/captura`, policy
+PDF OCR capture), `/servicios`, `/estado-cuenta`, `/banco` (chequera),
+`/recibos` (utility statement OCR capture), `/notificaciones` (mass email +
+renewal avisos; `/renovaciones` is an alias onto its Pólizas tab), `/reportes`,
+`/catalogos`, `/operaciones` (DB ingest/backup, ADMIN), `/usuarios`, `/login`.
+
+Two OCR intakes share one `OcrProvider` seam (`src/ocr/`, Tesseract today):
+utility statements → ledger rows ([`docs/STATEMENT_OCR.md`](docs/STATEMENT_OCR.md))
+and carrier policy PDFs → `Policy` rows ([`docs/POLICY_OCR.md`](docs/POLICY_OCR.md)).
+Both need `tesseract-ocr`, `tesseract-ocr-data-spa`, `poppler-utils` and object
+storage; each reports its own availability and disables only itself if either
+is missing.
 
 ---
 
@@ -195,6 +209,28 @@ python migration/run_all.py
 
 ---
 
+## Scheduled jobs
+
+The API runs two automatic email sweeps. Neither cadence is in the source:
+both are stored in `app_settings` and edited at `/notificaciones` →
+"Programación de envíos" (ADMIN, `setting:manage`), taking effect immediately
+without a restart. Shipped defaults:
+
+| Job | Default | What it does |
+| --- | ------- | ------------ |
+| Pólizas | **on**, 06:00 daily (America/Tijuana) | Renewal avisos at 30/15 days before expiry and 7 days after. |
+| Servicios | **off** | All four mass-email jobs in order, same as "Ejecutar todos". |
+
+A scheduled run never uses the UI's send flags — in particular it ignores
+`debug`, so a forgotten test toggle cannot silently stop customer mail. Full
+detail in [`docs/MASS_EMAIL_NOTIFICATIONS.md`](docs/MASS_EMAIL_NOTIFICATIONS.md).
+
+Sending needs `SES_*` in the environment. Without it the API still boots and
+logs mail to stdout in dev; in production every send fails loudly and is
+recorded as `FAILED` rather than quietly going nowhere.
+
+---
+
 ## Production notes
 
 - Use `pnpm --filter @jorgecuadros/database exec prisma migrate deploy` if/when

RESUME.md

@@ -127,8 +127,14 @@ To rerun (from `migration/`, venv at `migration/.venv`):
 ```bash
 ./.venv/bin/python load_staging.py --output-dir ./output   # re-extract from Access (needs mdbtools + the source files)
 ./.venv/bin/python run_all.py --env dev                    # full transform+load; add --stage to re-extract first
+./.venv/bin/python run_all.py --env dev --sync             # additive sync: upsert legacy by provenance, keep manual rows, prune legacy empties
 ```
 
+`--sync` mode (Phase B) upserts legacy-owned rows by their provenance keys and preserves
+manual rows (`legacyId IS NULL`); every transform reuses each row's existing PK, rebuilds
+legacy-owned children by scoped delete + reinsert, and drops legacy rows gone from source.
+Verified end-to-end against dev 2026-07-24 — see §6 item 6.
+
 ## 5. Infrastructure & sync architecture (designed, not yet built)
 
 - **Internal server** — on-prem, private IP `192.168.1.xx`, no inbound internet exposure. Runs the platform + canonical MySQL (source of truth).
@@ -162,17 +168,30 @@ the reconciliation pass (done, then corrected) are all closed. See §3 and §8.
 5. **`TRASPASOS PAYPAL` is a clearing account, not a customer** — carries -7.03M MXN over
    309 movements and therefore tops the adeudo worklist. Deliberately not special-cased in
    code; needs a business decision on how to model it.
-6. **DB Operations — Phase B (additive sync) — IMPLEMENTED, verification pending.** Phase A provides
-   the admin-only `/operaciones` page + `ops` API module (ability `db:manage`, ADMIN), ingest
-   folder, backup, restore, and destructive re-import. Phase B now enables `SYNC`: `OpsService`
-   creates a safety backup and runs `run_all.py --sync`; transforms upsert legacy-owned rows by
-   provenance keys while preserving existing PKs and rows whose `legacyId IS NULL` (manual).
-   Prisma now enforces provenance uniqueness for properties, policies, transactions, vehicles,
-   and bank transactions. Sync intentionally skips prune/blob steps so manual customers and
-   document pointers are not removed. Python compilation plus API/web production builds pass;
-   still required before production use: push updated Prisma schema and run an end-to-end sync
-   against a disposable/dev DB proving stable PKs, manual-row preservation, changed-row updates,
-   and legacy-delete handling.
+6. **DB Operations — Phase B (additive sync) — VERIFIED END-TO-END against dev DB 2026-07-24.**
+   Phase A provides the admin-only `/operaciones` page + `ops` API module (ability `db:manage`,
+   ADMIN), ingest folder, backup, restore, and destructive re-import. Phase B enables `SYNC`:
+   `OpsService` creates a safety backup and runs `run_all.py --sync`; transforms upsert
+   legacy-owned rows by provenance keys while preserving existing PKs and rows whose
+   `legacyId IS NULL` (manual). Prisma enforces provenance uniqueness for properties, policies,
+   transactions, and bank transactions (the vehicle unique was **removed** — one legacy policy
+   row carries up to 3 vehicles that share a `legacyId`, so provenance is not unique per
+   vehicle; vehicles are rebuilt by scoped delete + reinsert). Sync skips blob extraction, and
+   runs a **manual-safe prune** (`prune_empty_customers.py --sync` — only prunes empties that
+   carry a legacy ref, never manually-added customers) because the customer upsert otherwise
+   re-creates every previously-pruned empty from Parquet.
+
+   **The as-written sync was broken and had never been run; a batch of bugs were fixed on
+   2026-07-24 before it passed** (fresh-uuid child FKs in policies/properties, unconditional
+   child inserts, a `zip(customers, refs)` mispairing in transform_customers, invalid vehicle
+   unique, lookup tables built with fresh uuids but never upserted, a `updatedAt=NOW()` on a
+   table with no such column, and report crashes on NULL `legacySourceTable` for manual rows).
+   Verified with `migration/` `verify_sync.py`-style harness: two consecutive `run_all.py --sync`
+   runs both exit 0 and pass 32/32 assertions (stable PKs, manual-row preservation, changed-row
+   updates, legacy-delete, no child duplication, zero FK orphans), idempotent (customers stable
+   at 1537). Schema pushed to dev, Prisma client regenerated, API build clean. Migration/web
+   changes uncommitted as of this update. Still open before production: run the same sync from
+   the `/operaciones` UI (OpsService path) and against a prod-shaped DB.
 
 ## 7. Environment notes (current macOS machine)
 
@@ -181,9 +200,12 @@ the reconciliation pass (done, then corrected) are all closed. See §3 and §8.
 - **`npm` is pnpm-aliased**, and pnpm ignores the `workspaces` field. Consequences:
   - there is **no root `node_modules/.bin`**. Binaries live per-app: `apps/api/node_modules/.bin/nest`, `apps/web/node_modules/.bin/next`.
   - Prisma CLI is run as `npx prisma@5`.
-- **Dev servers** (both must be up to use the UI):
-  - API `cd apps/api && ./node_modules/.bin/nest start --watch` → `:3001`
-  - Web `cd apps/web && ./node_modules/.bin/next dev` → `:3000`
+- **Dev servers** (both must be up to use the UI). ⚠️ **Ports come from the env files, not the
+  framework defaults** — `apps/api/.env` sets `PORT=4501` and `WEB_ORIGIN=http://localhost:4500`,
+  and `apps/web/.env.local` points at `NEXT_PUBLIC_API_ORIGIN=http://localhost:4501`. This doc
+  said `:3001`/`:3000` until 2026-07-27; that was wrong and cost a debugging detour.
+  - API `cd apps/api && ./node_modules/.bin/nest start --watch` → **`:4501`**
+  - Web `cd apps/web && ./node_modules/.bin/next dev -p 4500` → **`:4500`**
   - Dev login: `admin@jorgecuadros.local`, password from `apps/api/scripts/seed-user.mjs` (`SEED_PASSWORD` env overrides the default).
 - **Dev DB**: `192.168.4.212:3307` (cubex Swarm stack `jorgecuadros-dev-db`). Credentials in gitignored `deploy/.env.dev`. **MinIO** for documents: `192.168.4.212:9100`, bucket `jorgecuadros-documents`.
 
@@ -359,9 +381,18 @@ for what's actually next.
      insurance/servicios/fideicomiso split the migration comment implied. A
      classifier would invent data, so `categoryId` stays null and the module does
      not filter on it. Register is browsable by date/payee/amount/cheque instead.
-     (c) **Single currency (MXN).** `bank_transactions` has no currency column and
-     every `amountInWords` is spelled out in PESOS — so, unlike the customer
-     ledger, everything here is one currency and not split per-currency.
+     (c) ~~**Single currency (MXN).**~~ **SUPERSEDED 2026-07-27 by the multi-bank
+     chequera** (step 11, `docs/RECEIPT_CAPTURE_SPEC.md` §3). The office keeps
+     more than one register, so `bank_transactions` now carries a **required**
+     `bankAccountId` and every read in the module is scoped to exactly one
+     `BankAccount`, whose `currency` the movements inherit — there is still no
+     currency column on the movement itself, because a real bank account doesn't
+     mix currencies. All 22,669 migrated rows are the Utilities/Scotiabank MXN
+     account (backfilled by `migration/backfill_bank_accounts.py`, which
+     `run_all.py` runs before `transform_bank.py`), which is why every
+     `amountInWords` is still spelled out in PESOS. There is deliberately no
+     "all accounts" option: summing an MXN and a USD register would repeat the
+     currency-collapsing mistake the billing module warns against.
      (d) **The "acumulado" is net movement since the register opened, not a bank
      balance** — SCOTHIA carries no opening balance (its `ban` table holds only the
      bank's name), so the running total starts at 0 in 2013. Labelled as such in
@@ -369,9 +400,18 @@ for what's actually next.
      (e) Sign convention (from `transform_bank.py`): positive = ingreso,
      negative = egreso, exactly zero = a cancelled/void cheque (787 of 791 say
      CANCELADO/VOID) — voids are excluded from both the income and expense sides.
+     (f) **Multi-account since 2026-07-27.** `/banco` opens on an account picker
+     (the last account is remembered per browser) and reads every figure in that
+     account's currency; `/banco/cuentas` manages banks and accounts under a new
+     MANAGER `bank:manage-accounts` ability. Accounts are never deleted — the
+     `bankAccountId` FK is required, so a used account can only be *closed*
+     (`active: false`), which hides it from new captures but keeps its history
+     readable. An account's currency is immutable after creation, since its
+     booked movements are denominated in it.
    - Full pipeline reproducible in one command: `run_all.py --env <env>` runs customers →
-     properties → policies → transactions → prune → bank → blobs in order (all idempotent);
-     add `--stage` to re-extract from the Access files first. Verified end-to-end against dev.
+     properties → policies → transactions → prune → bank accounts → bank → blobs in order
+     (all idempotent); add `--stage` to re-extract from the Access files first. Verified
+     end-to-end against dev.
 
 5. **Infra** — **DONE.** Dev MySQL deployed to the cubex Swarm via the Portainer API as stack
    `jorgecuadros-dev-db` (MySQL 8.4, `192.168.4.212:3307`, node `cubex` labeled
@@ -385,15 +425,273 @@ for what's actually next.
 
 ---
 
-- **Sync implementation — DONE, validation pending.** `run_all.py --sync` performs the
-  non-destructive legacy upsert path for customers, properties, policies, transactions, and
-  bank rows. It preserves manual rows and stable legacy-owned primary keys; the admin SYNC job
-  automatically creates a pre-sync backup. Next validation: apply schema changes, then exercise
-  sync against a disposable DB with added, changed, removed, and manually-created rows.
+- **Sync implementation — DONE + VALIDATED end-to-end against dev 2026-07-24.** `run_all.py
+  --sync` performs the non-destructive legacy upsert path for customers, properties, policies,
+  transactions, and bank rows, plus a manual-safe empty-customer prune. It preserves manual rows
+  and stable legacy-owned primary keys; the admin SYNC job auto-creates a pre-sync backup. The
+  as-written code was broken and had never been run — a batch of bugs was fixed before it passed
+  (see §6 item 6). Two consecutive syncs both exit 0 and pass 32/32 assertions (added, changed,
+  removed, and manually-created rows), idempotent. Remaining: exercise the same path from the
+  `/operaciones` admin UI and against a prod-shaped DB.
 - **Plan step 9: portal sync worker** remains separate and blocked on VPS provisioning. This
   Phase B feature synchronizes Access source files into the internal platform; it does not yet
   poll `utility_dbo` inbox tables or replicate portal-facing data to a VPS.
 - **Small / open:** (a) `TRASPASOS PAYPAL` clearing account still tops the adeudo worklist
   (§6.4d) — a business modelling call, not code. (b) Credential rotation on the old repo's
-  exposed MySQL password. (c) The `/estado-cuenta` browser visual pass — `/banco` was verified
-  in-browser this session; `/estado-cuenta` still worth a look.
+  exposed MySQL password. (c) ~~The `/estado-cuenta` browser visual pass.~~ **DONE 2026-07-24** —
+  verified vs dev: Anular buttons admin-gated, voided rows struck + excluded from totals,
+  clicking Anular voids end-to-end (note: it uses a blocking `window.confirm`). Customer-detail
+  mini tx list now also strikes voided rows ("(anulado)" tag) — was the last void-UI gap.
+
+---
+
+## Statement OCR intake (`/recibos`) — DONE 2026-08-01
+
+> As-built reference: **`docs/STATEMENT_OCR.md`** (written 2026-08-02) — the
+> parsers, the matcher's scoped-field rules, confirm/learning semantics and the
+> API surface. `docs/RECEIPT_CAPTURE_SPEC.md` §2 stays the design and the
+> measured evidence. This section is the session record of building it.
+
+Plan step 11 §2 (`docs/RECEIPT_CAPTURE_SPEC.md` §2). The last big utilities
+feature: staff scan the month's utility bills and the machine proposes customer
++ amount per page, instead of keying 300+ statements per company by hand. Built
+in `apps/api/src/statements/` and `apps/web/src/app/recibos/`, posting through
+step 11 §1.2's `BillingService.createBatch` seam (`source: "OCR"`, per-document
+`captureRef`) so machine and hand capture share one write path and one audit
+trail. Abilities `statement:ingest` / `statement:review`, both STAFF.
+
+**Verified end to end against the live dev API + MinIO**, not just built: real
+CFE and Telnor scans uploaded over HTTP, OCR'd, matched, confirmed against a
+check, and the resulting rows checked in MySQL — negative (charge) amounts,
+`captureSource = OCR`, concept auto-derived from the batch's service kind,
+`captureRef` linking each transaction back to its page. Re-confirming a posted
+batch is refused. All test data was removed afterwards.
+
+**Everything here was decided from 10 real scanned statements (46 pages), not
+from the sample-free spec.** Shipped-parser results on them: provider 46/46,
+account reference 43/46, amount 42/46, due date 44/46; matched against the dev
+database, **39/46 (85%) exact auto-match, 40/46 (87%) identified**. The rest are
+real review cases (one shared account number, three phones not on file, one
+clave not in the book, one page too poor to read).
+
+Findings that corrected the spec, each of which changed the build:
+
+- **The scans have no text layer at all** — they are camera images of paper, so
+  OCR is mandatory rather than a convenience, and they arrive **bundled, one
+  customer per page**.
+- **Clave catastral is not predial.** `DATMEX.clave` (934 rows, `KA903009`) is
+  what CESPT and predial bills print; `DATMEX.predial` — which
+  `PROPERTY_TAX.accountNumber` holds — has only 663 distinct values across 1135
+  rows and appears on no statement. The clave now lives on
+  `Property.cadastralKey` as the matcher's secondary key; predial was left
+  untouched. This is the question that had been blocking predial matching.
+- **Gas was recoverable after all.** The spec said no legacy gas number existed;
+  in fact 160 of 334 `DATMEX.gas` values are real account numbers (the rest are
+  `ESTACIONARIO`/`CILINDRO` descriptors). Recovered into `GAS.meterNumber`.
+- **Phone is one billed line per property** (534 / 18 / 1 across phone1/2/3), so
+  `TELEPHONE` — a new `ServiceKind` — backfills from `phone1` only.
+- **Never match on the printed name.** A CESPT receipt for account `5365218`
+  reads `ARNAIZ ROSAS ELSA AURORA`; the office's book, corroborated by the
+  clave, has `CATT, RANDY`. The name on a utility bill is the registrant, not
+  the current owner.
+
+`migration/backfill_statement_match_fields.py` closes those three data gaps on
+an existing database (idempotent, wired into `run_all.py` after
+`transform_properties.py`, which now produces them directly on a full rebuild).
+Applied to dev: 934 claves, 160 gas numbers, 534 TELEPHONE rows.
+
+Implementation notes worth keeping:
+
+- OCR is self-hosted **Tesseract** behind an `OcrProvider` interface — the
+  provider question is closed on measured accuracy, and a managed API stays a
+  one-line swap in `statements.module.ts`. `tesseract-ocr`,
+  `tesseract-ocr-data-spa` and `poppler-utils` were added to the API image; if
+  they are missing the module reports itself unavailable and only this feature
+  is disabled.
+- **Payment barcodes beat printed labels.** One CFE label OCR'd a digit too
+  many while its barcode was correct, so the barcode is the source and the label
+  the cross-check; disagreement forces review.
+- **Detect the provider by brand first, layout only as a fallback** — and never
+  interleave the two passes. A scanned CESPT header came back as `E BAJA ES
+  PAGO / EALIFORNIA`, which is why the layout fallback exists; a Telnor page
+  contains words a CFE layout rule would otherwise claim, which is why ordering
+  matters.
+- **Parse amounts by separator position.** A real Telnor bill OCR'd as
+  `$ 649,00`; stripping commas as thousands separators turns that into $64,900.
+- Two of the three layouts are line-oriented, but the CESPT "RECIBO" is a
+  **table** whose values sit under column headers — that one needs the word
+  boxes, which is why `OcrPage` carries geometry and not just text.
+- Confirming a document whose matched service had no reference **writes the
+  reference back** (only into an empty field, and only when exactly one blank
+  service of that kind is a candidate), so gas and any other cold start is a
+  one-time cost rather than a permanent queue.
+- Handwritten folder numbers on the bills (`9`, `405`) are **not** used for
+  matching — Tesseract read `405` as `205`.
+
+**Open:** whether the CFE charge should be the rounded barcode/headline figure
+(`$268`, what is paid at the window — what the parser uses today) or the exact
+breakdown total (`$268.88`). One question for Jorge.
+
+## Policy OCR capture (`/polizas/captura`) — DONE 2026-08-01, unplanned
+
+**This feature was not in any spec.** It is what the statement OCR work above
+turned into once the pipeline existed. Having built render → OCR → parse →
+match → review for CFE/CESPT/Telnor receipts, the same shape obviously fits
+the *other* stack of paper this office keys in by hand every week: the carrier
+policy PDFs behind every `Policy` row. Full write-up in `docs/POLICY_OCR.md`.
+
+The pipeline was reused rather than copied. `OcrModule` was **extracted out of
+`StatementsModule`** in the same commit so `PolicyOcrModule` could inject
+`OCR_PROVIDER` without taking on the statement pipeline — that extraction was
+blocking, not tidying; the policy module could not resolve the provider at all
+until it existed. `StatementsModule` imports it now and binds nothing itself,
+so the Tesseract-vs-managed-API decision stays one line in one file for both
+features.
+
+Screens mirror Captura exactly: `/polizas/nuevo` is the manual tab,
+`/polizas/captura` the automática one, both rendering `PolicyCaptura.tsx`, with
+the batch review queue at `/polizas/captura/[id]`. Abilities `policy:ingest` /
+`policy:ocr-review`, both STAFF — same trust tier as statement OCR, and for the
+same reason: nothing reaches the books unconfirmed.
+
+**The statement pipeline's central assumption inverts here, and that is the
+thing to remember.** Utility statements arrive bundled *one customer per page*,
+so there a page is a document and the parser runs per page. A policy PDF is the
+opposite: the GMX certificate is one policy spread across two pages (contract
+header on page 1, the per-coverage table on page 2). So every page's text is
+concatenated and the parser and matcher run **once per file**. Consequences:
+`PolicyOcrDocument.pageNumber` is repurposed as the file ordinal within the
+batch (the `(batchId, pageNumber)` unique constraint still holds), `ocrConfidence`
+is the mean across the file's pages, and a file that fails to parse yields
+exactly one `OCR_FAILED` row.
+
+`storageKey` points at the **source PDF**, not a rendered page image, so the
+review screen embeds the exact artifact the office received and gets the
+browser's native PDF scrolling, zoom and text selection for free. The page PNGs
+are still written for future re-OCR, but nothing treats them as the document's
+identity. (The statement side is the reverse, because there a page *is* the
+document.)
+
+Findings worth keeping:
+
+- **The GMX certificate has no premium on it at all.** Not intermittently
+  missing — the figure lives on GMX's separate `recibo` PDF. The parser leaves
+  the premium fields null and pushes a note saying so, confirm never overwrites
+  an existing `Policy.netPremium` with null, and the optional ledger write is
+  gated on staff ticking `postPremium` *and* a premium actually parsing.
+  Without that second gate a premium-less certificate would book a $0 charge on
+  every confirm.
+- **Match on `Policy.policyNumber`, never the printed insured name.** Same
+  registrant-vs-current-owner drift that rules names out on the utility side.
+  Zero hits means a new policy and confirm creates the row under a picked
+  customer; more than one hit is surfaced for a human, never auto-picked —
+  duplicate numbers across related parties do occur.
+- Deductible and loss participation are stored as **strings** (`"5%"`,
+  `"USD 1,000"`): they are printed as a mix of percentages, amounts and free
+  text, and normalising them would lose the distinction.
+- Carrier-portal PDFs are usually **born-digital**, so the text layer wins and
+  no OCR runs at all most of the time — same precedence rule as the statement
+  pipeline.
+- The digit-confusion map and the amount-by-separator-position parser are
+  **duplicated on purpose** rather than imported, to keep the module
+  self-contained. Fix a bug in one, check the other.
+
+8/8 parser tests, all against verbatim text from one real document
+(`HC_Folio_000767_Traduccion.pdf`).
+
+**Open:** GMX is the only carrier implemented — the dispatcher is a
+`[provider, pattern]` table plus a parser map, so a second carrier is a
+function and two entries, but no other layout has been seen. Reading the
+premium off the separate `recibo` PDF and pairing it to its certificate is the
+obvious next piece; it is what would let `postPremium` stop being a manual
+tick. And nothing versions a re-issued policy — confirm updates the existing
+row, so there is no record that this is the 2027 issue of that number.
+
+
+## Notificaciones (`/notificaciones`) — DONE 2026-08-01 → 08-02
+
+Two features that were spec'd separately turned out to be one screen. The four
+legacy mass-email jobs (`docs/MASS_EMAIL_NOTIFICATIONS.md`, ported from
+`email.notifications/send*.php`) and the insurance renewal avisos
+(`docs/INSURANCE_FEATURES_SPEC.md` §1) both mean *tell a customer something by
+email*, so they are **tabs of one screen over one log**, not two menu entries.
+`/renovaciones` is an alias that lands on the Pólizas tab, the same pattern
+Captura uses.
+
+- **Servicios tab** — the four jobs (pagos pendientes, confirmación de pago,
+  estado de cuenta, fideicomiso), individually or "Ejecutar todos". Ability
+  `notification:send` (MANAGER); STAFF sees the log read-only.
+- **Pólizas tab** — pending avisos at 30/15 days before expiry and 7 days
+  after, sent one at a time or as a sweep. Ability `renewal:send` (MANAGER).
+
+**One send log for the whole platform.** `email_notification_log` is not
+job-specific: renewals write it too (`RENEWAL_NOTICE` / `POLICIES`) through the
+same `NotificationLogService`. That is what makes "Registro de envíos" complete
+— the failures and no-email skips exist *only* there. `RenewalNotice` was not
+made redundant by it: that row is **gating** state (one per policy+generation,
+drives the pending list), the log is **history** (every attempt). `level` is
+therefore per-type and unreadable without its `notificationType` — 0/1
+yellow/red on `ACCOUNT_STATUS`, the aviso generation 1/2/3 on
+`RENEWAL_NOTICE`.
+
+**Manual mark-as-sent was dropped on purpose.** The spec called for it; a
+button that marks a notice sent without sending anything is a button that lets
+the list claim a customer was told when they were not. `POST /renewals/send`
+replaced it — sending from the list *is* the marking.
+
+**`app_settings` is the operator-config seam this work introduced.**
+`SettingsService` resolves every key **db → env → default** and reports which
+rung a value came from, so an existing deployment keeps behaving exactly as it
+did until somebody saves in the UI. Three keys today: the summary recipients
+(was `NOTIFICATION_ADMIN_EMAILS`, now a fallback) and the two sweep cadences.
+Credentials deliberately stay in the environment — SES keys, `DATABASE_URL`
+and S3 config are deployment identity, must exist before the app can reach its
+own database, and a table only widens who can read them.
+
+**The send flags are global, and that was a real bug fix (08-02).** The
+`debug` / `ignoreDayRestriction` / `useEmailLimit` panel lived inside the
+Servicios tab, so there was **no way to test a renewal aviso without mailing a
+real customer**. It now lives in the shell above the tabs and both halves read
+it. On the pólizas path `debug` does three things, and all three are required
+together: it diverts the mail, it skips the `RenewalNotice` upsert, and it does
+not advance the sweep's `lastSuccessfulAt`. Miss the third and `renewalWindow()`
+narrows back to a single day on the next real run — a test send would silently
+destroy the letters it only pretended to send. Flags are per-visit UI state and
+are **never persisted**; a stored `debug` would survive a reload and swallow
+real customer mail until somebody noticed.
+
+**Both cadences are operator-editable (08-02).** The renewal sweep's
+`@Cron("0 6 * * *")` literal lasted one day. `NotificationScheduleService` now
+owns both: the owning services register a handler in `onModuleInit`, the
+service compiles the stored `{hour, minute, weekdays}` to a cron expression and
+installs it in `SchedulerRegistry`, and saving from the UI reinstalls the job —
+no restart, which was the point. It lives in its own module for the same reason
+as `NotificationLogModule`: `NotificationsModule` and `RenewalsModule` both need
+it and neither may import the other. Defaults preserve prior behaviour exactly
+(pólizas 06:00 daily, servicios **off** — a default that starts mailing 260
+customers after a deploy is not a default, it's an incident). A scheduled run
+never inherits the UI flags: no `debug`, and no `ignoreDayRestriction`, since an
+automatic run on the operator's own cadence is precisely the case the
+Mon/Wed/Fri gate was written for.
+
+Implementation notes worth keeping:
+
+- `cron` had to become a **direct dependency of `apps/api`**. It is a
+  transitive dep of `@nestjs/schedule`, but pnpm's strict layout does not hoist
+  it, so `import { CronJob } from "cron"` does not resolve without it.
+- The pólizas sweep already had a DB lock (`scheduled_job_states`); the
+  servicios run-all does not, and relies on the deployment being
+  single-replica, which it is on galactus today.
+- Wire shapes of the four jobs are byte-for-byte the legacy PHP responses,
+  quirks included (Job 1 reports `result`, not `request`).
+
+**Open:** the `SES_*` Gitea secrets were created 2026-08-02, so the feature is
+no longer blocked — but it has not shipped (master is well past the newest tag)
+and two things nobody has checked decide whether mail leaves the building:
+`SES_FROM` must be a verified identity in `SES_REGION`, and the AWS account
+must be out of the SES sandbox, which otherwise restricts delivery to verified
+recipients and would fail a real sweep while looking correctly configured. Run
+the first sweep with `debug` on. Still open beyond that: the 78 policyholders
+with no email are logged as `SKIPPED_NO_EMAIL` but have no printable worklist,
+and the notice body is English-only (`Customer` carries no language
+preference).

apps/api/jest.config.js

@@ -0,0 +1,7 @@
+/** @type {import('jest').Config} */
+module.exports = {
+  rootDir: "src",
+  testEnvironment: "node",
+  testRegex: ".*\\.spec\\.ts$",
+  transform: { "^.+\\.ts$": "ts-jest" },
+};

apps/api/nest-cli.json

@@ -3,6 +3,7 @@
   "collection": "@nestjs/schematics",
   "sourceRoot": "src",
   "compilerOptions": {
-    "deleteOutDir": true
+    "deleteOutDir": true,
+    "tsConfigPath": "tsconfig.build.json"
   }
 }

apps/api/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@jorgecuadros/api",
-  "version": "0.1.0",
+  "version": "1.0.8",
   "private": true,
   "scripts": {
     "build": "nest build",
@@ -11,18 +11,24 @@
     "test": "jest"
   },
   "dependencies": {
+    "@aws-sdk/client-s3": "^3.665.0",
+    "@aws-sdk/client-sesv2": "^3.1101.0",
     "@jorgecuadros/database": "workspace:*",
     "@nestjs/common": "^10.4.4",
     "@nestjs/config": "^3.3.0",
     "@nestjs/core": "^10.4.4",
     "@nestjs/passport": "^10.0.3",
     "@nestjs/platform-express": "^10.4.4",
+    "@nestjs/schedule": "^4.1.2",
     "argon2": "^0.41.1",
     "class-transformer": "^0.5.1",
     "class-validator": "^0.14.1",
+    "cron": "^3.2.1",
+    "exceljs": "^4.4.0",
     "express-session": "^1.18.0",
     "passport": "^0.7.0",
     "passport-local": "^1.0.0",
+    "pdfkit": "^0.15.1",
     "reflect-metadata": "^0.2.2",
     "rxjs": "^7.8.1"
   },
@@ -35,6 +41,7 @@
     "@types/node": "^20.16.11",
     "@types/passport": "^1.0.17",
     "@types/passport-local": "^1.0.38",
+    "@types/pdfkit": "^0.13.5",
     "jest": "^29.7.0",
     "ts-jest": "^29.2.5",
     "ts-node": "^10.9.2",

apps/api/src/app.controller.ts

@@ -6,4 +6,25 @@ export class AppController {
   health() {
     return { status: "ok" };
   }
+
+  /**
+   * What is actually running. The three values are baked into the image at
+   * build time by .gitea/workflows/build.yml (see docker/api.Dockerfile) and
+   * are the only way to confirm a deploy — or a rollback — landed: the tag you
+   * dispatched and the code inside the container can disagree if a stack was
+   * applied without pulling, or if the app stack still names an older tag.
+   *
+   * Deliberately unauthenticated, same as /health: the deploy workflow has to
+   * read it with no session, and it exposes nothing an attacker could not
+   * already infer from the repo.
+   */
+  @Get("version")
+  version() {
+    return {
+      service: "api",
+      version: process.env.APP_VERSION ?? "dev",
+      gitSha: process.env.GIT_SHA ?? "unknown",
+      buildDate: process.env.BUILD_DATE ?? "unknown",
+    };
+  }
 }

apps/api/src/app.module.ts

@@ -1,30 +1,46 @@
 import { Module } from "@nestjs/common";
 import { ConfigModule } from "@nestjs/config";
+import { ScheduleModule } from "@nestjs/schedule";
 import { PrismaModule } from "./prisma/prisma.module";
+import { StorageModule } from "./storage/storage.module";
 import { CommonModule } from "./common/common.module";
+import { MailModule } from "./mail/mail.module";
 import { UsersModule } from "./users/users.module";
 import { AuthModule } from "./auth/auth.module";
 import { CustomersModule } from "./customers/customers.module";
 import { PoliciesModule } from "./policies/policies.module";
 import { PropertiesModule } from "./properties/properties.module";
 import { BillingModule } from "./billing/billing.module";
+import { StatementsModule } from "./statements/statements.module";
+import { PolicyOcrModule } from "./policy-ocr/policy-ocr.module";
 import { BankModule } from "./bank/bank.module";
 import { OpsModule } from "./ops/ops.module";
+import { ReportsModule } from "./reports/reports.module";
+import { RenewalsModule } from "./renewals/renewals.module";
+import { NotificationsModule } from "./notifications/notifications.module";
 import { AppController } from "./app.controller";
 
 @Module({
   imports: [
     ConfigModule.forRoot({ isGlobal: true }),
+    ScheduleModule.forRoot(),
     PrismaModule,
+    StorageModule,
     CommonModule,
+    MailModule,
     UsersModule,
     AuthModule,
     CustomersModule,
     PoliciesModule,
     PropertiesModule,
     BillingModule,
+    StatementsModule,
+    PolicyOcrModule,
     BankModule,
     OpsModule,
+    ReportsModule,
+    RenewalsModule,
+    NotificationsModule,
   ],
   controllers: [AppController],
 })

apps/api/src/auth/abilities.ts

@@ -24,6 +24,9 @@ export type Ability =
   | "policy:create"
   | "policy:update"
   | "policy:delete"
+  | "policy:ingest"
+  | "policy:ocr-review"
+  | "renewal:send"
   | "property:create"
   | "property:update"
   | "property:delete"
@@ -31,9 +34,14 @@ export type Ability =
   | "ledger:void"
   | "bank:create"
   | "bank:void"
+  | "bank:manage-accounts"
+  | "statement:ingest"
+  | "statement:review"
   | "lookup:manage"
   | "user:manage"
-  | "db:manage";
+  | "db:manage"
+  | "notification:send"
+  | "setting:manage";
 
 /** Minimum role required for each ability. */
 export const ABILITY_MIN: Record<Ability, Role> = {
@@ -43,6 +51,11 @@ export const ABILITY_MIN: Record<Ability, Role> = {
   "policy:create": "STAFF",
   "policy:update": "STAFF",
   "policy:delete": "MANAGER",
+  // Insurance OCR intake is the same trust tier as statement OCR: STAFF can
+  // upload + confirm, nothing reaches the books unconfirmed.
+  "policy:ingest": "STAFF",
+  "policy:ocr-review": "STAFF",
+  "renewal:send": "MANAGER",
   "property:create": "STAFF",
   "property:update": "STAFF",
   "property:delete": "MANAGER",
@@ -50,9 +63,27 @@ export const ABILITY_MIN: Record<Ability, Role> = {
   "ledger:void": "MANAGER",
   "bank:create": "STAFF",
   "bank:void": "MANAGER",
+  // Opening or renaming a chequera is rarer and higher-stakes than posting a
+  // movement into one — a wrong account silently mixes two sets of books.
+  "bank:manage-accounts": "MANAGER",
+  // Uploading a stack of scans and reviewing what the OCR read are both
+  // "capturing a receipt" — the same trust tier as ledger:create, since
+  // confirming a statement *is* capturing it. The review step is what makes
+  // this safe at STAFF level: nothing reaches the ledger unconfirmed.
+  "statement:ingest": "STAFF",
+  "statement:review": "STAFF",
   "lookup:manage": "MANAGER",
   "user:manage": "ADMIN",
   "db:manage": "ADMIN",
+  // Mass email notifications — fires mail to customers on the office's
+  // behalf, with no per-row review. Same trust tier as `renewal:send`:
+  // a STAFF user typing one customer receipt is fine; a STAFF user firing
+  // 260 mail merges on the customer base is not.
+  "notification:send": "MANAGER",
+  // Editing operator configuration. Above `notification:send` on purpose:
+  // firing a sweep is the day job, but changing WHERE the audit summaries
+  // land is how someone would quietly stop them being read.
+  "setting:manage": "ADMIN",
 };
 
 export const ALL_ABILITIES = Object.keys(ABILITY_MIN) as Ability[];

apps/api/src/auth/auth.controller.ts

@@ -1,9 +1,21 @@
-import { Controller, Get, HttpCode, Post, Req, Res, UseGuards } from "@nestjs/common";
+import {
+  Body,
+  Controller,
+  Get,
+  HttpCode,
+  Patch,
+  Post,
+  Req,
+  Res,
+  UseGuards,
+} from "@nestjs/common";
 import { Request, Response } from "express";
 import { LocalAuthGuard } from "./local-auth.guard";
 import { AuthenticatedGuard } from "./authenticated.guard";
 import { LoginDto } from "./login.dto";
+import { UpdatePreferencesDto } from "./update-preferences.dto";
 import { abilitiesFor, Role } from "./abilities";
+import { UsersService } from "../users/users.service";
 
 /** Attach the resolved ability map so the web can gate its UI off one payload. */
 function withAbilities(user: unknown) {
@@ -14,6 +26,8 @@ function withAbilities(user: unknown) {
 
 @Controller("auth")
 export class AuthController {
+  constructor(private readonly users: UsersService) {}
+
   // LoginDto is only used for request-shape documentation/validation here —
   // the actual credential check happens inside LocalStrategy via Passport,
   // which populates req.user before this handler runs.
@@ -30,6 +44,19 @@ export class AuthController {
     return withAbilities(req.user);
   }
 
+  /**
+   * Update the caller's own UI preferences. Deliberately not on /users/:id —
+   * that controller is ADMIN-only, and this has to work for every role. The
+   * target is always the session's own user id, never a body parameter.
+   */
+  @UseGuards(AuthenticatedGuard)
+  @Patch("preferences")
+  async updatePreferences(@Req() req: Request, @Body() dto: UpdatePreferencesDto) {
+    const id = (req.user as { id: string }).id;
+    const user = await this.users.updatePreferences(id, dto.uiScale);
+    return withAbilities(user);
+  }
+
   @Post("logout")
   @HttpCode(200)
   logout(@Req() req: Request) {

apps/api/src/auth/update-preferences.dto.ts

@@ -0,0 +1,17 @@
+import { IsNumber, Max, Min } from "class-validator";
+
+/**
+ * Self-service UI preferences — any authenticated user may set these on their
+ * own account, including VIEWER. No ability gate: it changes nothing but how
+ * the app looks to that one person.
+ *
+ * The bounds mirror MIN_UI_SCALE/MAX_UI_SCALE in apps/web/src/lib/ui-scale.ts;
+ * keep them in sync. The API clamps rather than trusting the client because
+ * this endpoint is reachable outside the UI.
+ */
+export class UpdatePreferencesDto {
+  @IsNumber()
+  @Min(0.9)
+  @Max(1.5)
+  uiScale!: number;
+}

apps/api/src/bank/bank-account.dto.ts

@@ -0,0 +1,47 @@
+import {
+  IsBoolean,
+  IsIn,
+  IsOptional,
+  IsString,
+  MinLength,
+} from "class-validator";
+
+/** Mirrors the Prisma `Currency` enum; a chequera's is fixed at creation. */
+export const BANK_CURRENCIES = ["MXN", "USD"] as const;
+export type BankAccountCurrency = (typeof BANK_CURRENCIES)[number];
+
+/** Mirrors `TransactionDomain`. A soft hint on the account, never enforced. */
+export const BANK_BUSINESS_LINES = ["UTILITY", "INSURANCE", "TRUST"] as const;
+export type BankBusinessLine = (typeof BANK_BUSINESS_LINES)[number];
+
+export class CreateBankDto {
+  @IsString() @MinLength(1) name!: string;
+  /** "MX" | "US" — free text, informational only. */
+  @IsOptional() @IsString() country?: string;
+}
+
+export class UpdateBankDto {
+  @IsOptional() @IsString() @MinLength(1) name?: string;
+  @IsOptional() @IsString() country?: string;
+}
+
+export class CreateBankAccountDto {
+  @IsString() @MinLength(1) bankId!: string;
+  @IsString() @MinLength(1) label!: string;
+  /**
+   * Immutable after creation (no field for it on the update DTO): every
+   * movement already booked into the account is denominated in it, so
+   * changing it would silently re-denominate history.
+   */
+  @IsIn(BANK_CURRENCIES) currency!: BankAccountCurrency;
+  @IsOptional() @IsIn(BANK_BUSINESS_LINES) businessLine?: BankBusinessLine;
+  @IsOptional() @IsBoolean() active?: boolean;
+}
+
+export class UpdateBankAccountDto {
+  @IsOptional() @IsString() @MinLength(1) bankId?: string;
+  @IsOptional() @IsString() @MinLength(1) label?: string;
+  @IsOptional() @IsIn(BANK_BUSINESS_LINES) businessLine?: BankBusinessLine;
+  /** Closing an account hides it from the picker; its movements stay readable. */
+  @IsOptional() @IsBoolean() active?: boolean;
+}

apps/api/src/bank/bank-movement.dto.ts

@@ -2,10 +2,14 @@ import { IsBoolean, IsNumber, IsOptional, IsString, MinLength } from "class-vali
 
 /**
  * A new bank-register movement. `amount` is signed: positive = ingreso,
- * negative = egreso (the module's sign convention). Single currency (MXN).
+ * negative = egreso (the module's sign convention). The currency is the
+ * account's, not the movement's — `bankAccountId` decides it.
  * Booked rows are never edited — a mistake is corrected by voiding + re-capture.
  */
 export class CreateBankMovementDto {
+  /** Which chequera this lands in. Required — see BankAccount in the schema. */
+  @IsString() @MinLength(1) bankAccountId!: string;
+
   @IsNumber() amount!: number;
   @IsString() @MinLength(1) transactionDate!: string;
 

apps/api/src/bank/bank.controller.ts

@@ -3,6 +3,7 @@ import {
   Controller,
   Get,
   Param,
+  Patch,
   Post,
   Query,
   Req,
@@ -20,6 +21,12 @@ import {
   BankSort,
 } from "./bank.service";
 import { CreateBankMovementDto } from "./bank-movement.dto";
+import {
+  CreateBankAccountDto,
+  CreateBankDto,
+  UpdateBankAccountDto,
+  UpdateBankDto,
+} from "./bank-account.dto";
 
 const DIRECTIONS: BankDirection[] = ["income", "expense", "void"];
 const CLEARED: BankCleared[] = ["cleared", "pending"];
@@ -54,28 +61,108 @@ export class BankController {
     return (req.user as { id: string }).id;
   }
 
+  // --- accounts -------------------------------------------------------------
+  // Declared before the parameterised routes below so `/bank/accounts` can
+  // never be swallowed by a `:id`-shaped path.
+
+  /**
+   * The account picker. Readable by any authenticated user, VIEWER included —
+   * nothing else on this page can render until an account is chosen.
+   */
+  @Get("accounts")
+  accounts() {
+    return this.bank.listAccounts();
+  }
+
+  @Get("banks")
+  banks() {
+    return this.bank.listBanks();
+  }
+
+  @Post("banks")
+  @RequireAbility("bank:manage-accounts")
+  async createBank(@Body() dto: CreateBankDto, @Req() req: Request) {
+    const row = await this.bank.createBank(dto);
+    void this.audit.log(this.actingId(req), "bank.bank.create", {
+      bankId: row.id,
+      name: row.name,
+    });
+    return row;
+  }
+
+  @Patch("banks/:id")
+  @RequireAbility("bank:manage-accounts")
+  async updateBank(
+    @Param("id") id: string,
+    @Body() dto: UpdateBankDto,
+    @Req() req: Request,
+  ) {
+    const row = await this.bank.updateBank(id, dto);
+    void this.audit.log(this.actingId(req), "bank.bank.update", { bankId: id });
+    return row;
+  }
+
+  @Post("accounts")
+  @RequireAbility("bank:manage-accounts")
+  async createAccount(
+    @Body() dto: CreateBankAccountDto,
+    @Req() req: Request,
+  ) {
+    const row = await this.bank.createAccount(dto);
+    void this.audit.log(this.actingId(req), "bank.account.create", {
+      bankAccountId: row.id,
+      label: row.label,
+      currency: row.currency,
+    });
+    return row;
+  }
+
+  @Patch("accounts/:id")
+  @RequireAbility("bank:manage-accounts")
+  async updateAccount(
+    @Param("id") id: string,
+    @Body() dto: UpdateBankAccountDto,
+    @Req() req: Request,
+  ) {
+    const row = await this.bank.updateAccount(id, dto);
+    void this.audit.log(this.actingId(req), "bank.account.update", {
+      bankAccountId: id,
+    });
+    return row;
+  }
+
+  // --- register reads (all scoped to one account) ---------------------------
+
   @Get("stats")
-  stats() {
-    return this.bank.stats();
+  async stats(@Query("bankAccountId") bankAccountId?: string) {
+    const account = await this.bank.requireAccount(bankAccountId);
+    return this.bank.stats(account.id);
   }
 
   @Get("facets")
-  facets() {
-    return this.bank.facets();
+  async facets(@Query("bankAccountId") bankAccountId?: string) {
+    const account = await this.bank.requireAccount(bankAccountId);
+    return this.bank.facets(account.id);
   }
 
   /** Year and month rollups with a running net-movement figure. */
   @Get("summary")
-  summary(@Query("year") year?: string) {
+  async summary(
+    @Query("bankAccountId") bankAccountId?: string,
+    @Query("year") year?: string,
+  ) {
+    const account = await this.bank.requireAccount(bankAccountId);
     const y = Number(year);
     return this.bank.summary(
+      account.id,
       Number.isInteger(y) && y >= 1900 && y <= 2999 ? y : undefined,
     );
   }
 
   /** The register browser. */
   @Get()
-  list(
+  async list(
+    @Query("bankAccountId") bankAccountId?: string,
     @Query("query") query?: string,
     @Query("page") page?: string,
     @Query("pageSize") pageSize?: string,
@@ -85,7 +172,9 @@ export class BankController {
     @Query("to") to?: string,
     @Query("sort") sort?: string,
   ) {
+    const account = await this.bank.requireAccount(bankAccountId);
     return this.bank.list({
+      bankAccountId: account.id,
       query,
       page: Math.max(1, Number(page) || 1),
       pageSize: Math.min(100, Math.max(1, Number(pageSize) || 25)),
@@ -105,6 +194,7 @@ export class BankController {
     const row = await this.bank.createMovement(dto);
     void this.audit.log(this.actingId(req), "bank.create", {
       bankTransactionId: row.id,
+      bankAccountId: row.bankAccountId,
       amount: dto.amount,
     });
     return row;

apps/api/src/bank/bank.service.ts

@@ -2,6 +2,12 @@ import { BadRequestException, Injectable, NotFoundException } from "@nestjs/comm
 import { Prisma } from "@jorgecuadros/database";
 import { PrismaService } from "../prisma/prisma.service";
 import { CreateBankMovementDto } from "./bank-movement.dto";
+import {
+  CreateBankAccountDto,
+  CreateBankDto,
+  UpdateBankAccountDto,
+  UpdateBankDto,
+} from "./bank-account.dto";
 
 /**
  * App-voided rows (voidedAt set) are reversed and must leave every
@@ -28,9 +34,18 @@ const NOT_VOIDED: Prisma.BankTransactionWhereInput = { voidedAt: null };
  *     expense and are excluded from both sides, the way the ~193 zero rows are
  *     in the customer ledger.
  *
- * SINGLE CURRENCY. Unlike the customer ledger there is no currency column here:
- * `bank_transactions` has none, and every `amountInWords` on the egreso side is
- * spelled out in PESOS. All figures in this module are MXN.
+ * ONE ACCOUNT AT A TIME, CURRENCY FROM THE ACCOUNT. The office now keeps more
+ * than one chequera (Utilities banks in MXN, Seguros in USD), so every read
+ * path here is scoped to exactly one `bankAccountId` — never "all accounts".
+ * There is deliberately no currency column on `bank_transactions`: a movement
+ * inherits its account's, the way a real bank account doesn't mix currencies.
+ * Callers must therefore pass an account id; an unscoped total would sum MXN
+ * and USD into a figure that never existed, the same mistake the billing
+ * module's per-currency rule exists to prevent.
+ *
+ * The 22,669 migrated rows are all SCOTHIA = the Utilities MXN account
+ * (backfilled by `migration/backfill_bank_accounts.py`), and their
+ * `amountInWords` on the egreso side is spelled out in PESOS accordingly.
  *
  * NO CATEGORY DIMENSION. `bank_transactions.categoryId` is NULL on all 22,354
  * rows and this module does not filter or group by it, because the data cannot
@@ -64,6 +79,8 @@ export type BankSort =
   | "reference";
 
 export interface BankListParams {
+  /** Which chequera to read. Required — see the module header. */
+  bankAccountId: string;
   query?: string;
   page: number;
   pageSize: number;
@@ -98,7 +115,9 @@ export class BankService {
   constructor(private readonly prisma: PrismaService) {}
 
   private where(p: BankListParams): Prisma.BankTransactionWhereInput {
-    const and: Prisma.BankTransactionWhereInput[] = [];
+    const and: Prisma.BankTransactionWhereInput[] = [
+      { bankAccountId: p.bankAccountId },
+    ];
 
     if (p.query && p.query.trim()) {
       const q = p.query.trim();
@@ -124,7 +143,9 @@ export class BankService {
       });
     }
 
-    return and.length ? { AND: and } : {};
+    // Never empty: the account clause above is always present, so no read can
+    // accidentally span every chequera.
+    return { AND: and };
   }
 
   private orderBy(
@@ -233,22 +254,25 @@ export class BankService {
     };
   }
 
-  /** Top-line figures for the bank page header. */
-  async stats() {
+  /** Top-line figures for the bank page header, for one chequera. */
+  async stats(bankAccountId: string) {
+    const account = { bankAccountId };
     const [count, bounds, pending, transferred, totals] = await Promise.all([
-      this.prisma.bankTransaction.count({ where: NOT_VOIDED }),
+      this.prisma.bankTransaction.count({
+        where: { AND: [account, NOT_VOIDED] },
+      }),
       this.prisma.bankTransaction.aggregate({
-        where: NOT_VOIDED,
+        where: { AND: [account, NOT_VOIDED] },
         _min: { transactionDate: true },
         _max: { transactionDate: true },
       }),
       this.prisma.bankTransaction.count({
-        where: { AND: [{ cleared: false }, NOT_VOIDED] },
+        where: { AND: [account, { cleared: false }, NOT_VOIDED] },
       }),
       this.prisma.bankTransaction.count({
-        where: { AND: [{ transferred: true }, NOT_VOIDED] },
+        where: { AND: [account, { transferred: true }, NOT_VOIDED] },
       }),
-      this.totalsFor({}),
+      this.totalsFor(account),
     ]);
 
     return {
@@ -261,14 +285,16 @@ export class BankService {
     };
   }
 
-  /** Year list for the period filter, newest first. */
-  async facets() {
+  /** Year list for the period filter, newest first, for one chequera. */
+  async facets(bankAccountId: string) {
+    // Tagged-template `$queryRaw`: the interpolation below is a bound
+    // parameter, not string concatenation.
     const years = await this.prisma.$queryRaw<
       { year: number; count: bigint | number | string }[]
     >`
       SELECT YEAR(transactionDate) AS year, COUNT(*) AS count
       FROM bank_transactions
-      WHERE voidedAt IS NULL
+      WHERE voidedAt IS NULL AND bankAccountId = ${bankAccountId}
       GROUP BY year
       ORDER BY year DESC
     `;
@@ -287,8 +313,12 @@ export class BankService {
    * `BAN` table holds only the bank's name), so the register starts at zero on
    * its first row in 2013 and the running figure is the net movement since
    * then. Labelled as such in the UI so it is never read as a statement balance.
+   *
+   * Both rollups take the SAME `bankAccountId`. Scoping only one of them would
+   * leave the year list and its month drill-down describing different books —
+   * wrong in a way that still looks right.
    */
-  async summary(year?: number) {
+  async summary(bankAccountId: string, year?: number) {
     const years = await this.prisma.$queryRaw<PeriodRow[]>`
       SELECT
         YEAR(transactionDate)                                AS period,
@@ -297,7 +327,7 @@ export class BankService {
         SUM(CASE WHEN amount < 0 THEN amount ELSE 0 END)     AS expense,
         SUM(amount)                                          AS net
       FROM bank_transactions
-      WHERE voidedAt IS NULL
+      WHERE voidedAt IS NULL AND bankAccountId = ${bankAccountId}
       GROUP BY period
       ORDER BY period ASC
     `;
@@ -311,7 +341,9 @@ export class BankService {
             SUM(CASE WHEN amount < 0 THEN amount ELSE 0 END)   AS expense,
             SUM(amount)                                        AS net
           FROM bank_transactions
-          WHERE YEAR(transactionDate) = ${year} AND voidedAt IS NULL
+          WHERE YEAR(transactionDate) = ${year}
+            AND voidedAt IS NULL
+            AND bankAccountId = ${bankAccountId}
           GROUP BY period
           ORDER BY period ASC
         `
@@ -365,13 +397,135 @@ export class BankService {
     };
   }
 
+  // --- accounts -------------------------------------------------------------
+
+  /**
+   * Every chequera, closed ones included — a closed account still has to be
+   * selectable to read its history, it just isn't offered for new captures.
+   */
+  async listAccounts() {
+    const rows = await this.prisma.bankAccount.findMany({
+      orderBy: [{ active: "desc" }, { label: "asc" }],
+      select: {
+        id: true,
+        label: true,
+        currency: true,
+        businessLine: true,
+        active: true,
+        bank: { select: { id: true, name: true, country: true } },
+      },
+    });
+    return rows.map((a) => ({
+      id: a.id,
+      label: a.label,
+      currency: a.currency,
+      businessLine: a.businessLine,
+      active: a.active,
+      bankId: a.bank.id,
+      bankName: a.bank.name,
+      bankCountry: a.bank.country,
+    }));
+  }
+
+  async listBanks() {
+    return this.prisma.bank.findMany({
+      orderBy: { name: "asc" },
+      select: { id: true, name: true, country: true },
+    });
+  }
+
+  /**
+   * Resolve an account id from a request, or reject. Every read route funnels
+   * through this so a bad/missing id is a 400 rather than a silently empty
+   * register that reads as "this account has no movements".
+   */
+  async requireAccount(bankAccountId: string | undefined) {
+    if (!bankAccountId || !bankAccountId.trim())
+      throw new BadRequestException("Falta la cuenta bancaria (bankAccountId)");
+    const account = await this.prisma.bankAccount.findUnique({
+      where: { id: bankAccountId },
+      select: { id: true, label: true, currency: true, active: true },
+    });
+    if (!account)
+      throw new NotFoundException(`Cuenta bancaria ${bankAccountId} no existe`);
+    return account;
+  }
+
+  async createBank(dto: CreateBankDto) {
+    return this.prisma.bank.create({
+      data: { name: dto.name.trim(), country: dto.country?.trim() || null },
+    });
+  }
+
+  async updateBank(id: string, dto: UpdateBankDto) {
+    await this.getBankOr404(id);
+    return this.prisma.bank.update({
+      where: { id },
+      data: {
+        ...(dto.name !== undefined ? { name: dto.name.trim() } : {}),
+        ...(dto.country !== undefined
+          ? { country: dto.country.trim() || null }
+          : {}),
+      },
+    });
+  }
+
+  private async getBankOr404(id: string) {
+    const bank = await this.prisma.bank.findUnique({
+      where: { id },
+      select: { id: true },
+    });
+    if (!bank) throw new NotFoundException(`Banco ${id} no existe`);
+    return bank;
+  }
+
+  async createAccount(dto: CreateBankAccountDto) {
+    await this.getBankOr404(dto.bankId);
+    return this.prisma.bankAccount.create({
+      data: {
+        bankId: dto.bankId,
+        label: dto.label.trim(),
+        currency: dto.currency,
+        businessLine: dto.businessLine ?? null,
+        active: dto.active ?? true,
+      },
+    });
+  }
+
+  /**
+   * `currency` is intentionally absent from the update DTO: the movements
+   * already booked in this account are denominated in it, so changing it would
+   * silently re-denominate history rather than convert it.
+   */
+  async updateAccount(id: string, dto: UpdateBankAccountDto) {
+    await this.requireAccount(id);
+    if (dto.bankId !== undefined) await this.getBankOr404(dto.bankId);
+    return this.prisma.bankAccount.update({
+      where: { id },
+      data: {
+        ...(dto.bankId !== undefined ? { bankId: dto.bankId } : {}),
+        ...(dto.label !== undefined ? { label: dto.label.trim() } : {}),
+        ...(dto.businessLine !== undefined
+          ? { businessLine: dto.businessLine }
+          : {}),
+        ...(dto.active !== undefined ? { active: dto.active } : {}),
+      },
+    });
+  }
+
   // --- writes (append + void) -----------------------------------------------
 
   async createMovement(dto: CreateBankMovementDto) {
     const date = new Date(dto.transactionDate);
     if (isNaN(date.getTime())) throw new BadRequestException("Fecha inválida");
+    const account = await this.requireAccount(dto.bankAccountId);
+    if (!account.active)
+      throw new BadRequestException(
+        `La cuenta "${account.label}" está cerrada; no admite movimientos nuevos.`,
+      );
     return this.prisma.bankTransaction.create({
       data: {
+        bankAccountId: account.id,
         amount: dto.amount,
         transactionDate: date,
         concept: dto.concept,

apps/api/src/billing/billing.controller.ts

@@ -1,4 +1,5 @@
 import {
+  BadRequestException,
   Body,
   Controller,
   Get,
@@ -22,7 +23,11 @@ import {
   LedgerDirection,
   MovementSort,
 } from "./billing.service";
-import { CreateMovementDto } from "./movement.dto";
+import {
+  BatchCreateDto,
+  CreateMovementDto,
+  ResolveOutstandingDto,
+} from "./movement.dto";
 
 const DOMAINS: TransactionDomain[] = ["UTILITY", "INSURANCE", "TRUST"];
 const CURRENCIES: LedgerCurrency[] = ["MXN", "USD"];
@@ -46,6 +51,11 @@ function one<T>(allowed: T[], value: string | undefined): T | undefined {
   return allowed.includes(value as T) ? (value as T) : undefined;
 }
 
+/** Tri-state query flag: "true"/"false" filter, anything else means no filter. */
+function flag(v: string | undefined): boolean | undefined {
+  return v === "true" ? true : v === "false" ? false : undefined;
+}
+
 /** A `YYYY-MM-DD` bound; anything unparseable is treated as absent. */
 function parseDate(v: string | undefined, endOfDay = false): Date | undefined {
   if (!v) return undefined;
@@ -97,6 +107,18 @@ export class BillingController {
     });
   }
 
+  /**
+   * Every movement cut against one check, with its total — the reconciliation
+   * view replacing the legacy REPORTE CHEQUE COUNT. Declared before the
+   * `customers/:id` and `:id`-shaped routes so the literal path wins.
+   */
+  @Get("by-check")
+  byCheck(@Query("checkNumber") checkNumber?: string) {
+    const n = checkNumber?.trim();
+    if (!n) throw new BadRequestException("checkNumber es obligatorio");
+    return this.billing.byCheck(n);
+  }
+
   /** One customer's full statement across both business lines. */
   @Get("customers/:id")
   statement(@Param("id") id: string) {
@@ -115,6 +137,8 @@ export class BillingController {
     @Query("typeId") typeId?: string,
     @Query("source") source?: string,
     @Query("customerId") customerId?: string,
+    @Query("outstanding") outstanding?: string,
+    @Query("checkNumber") checkNumber?: string,
     @Query("from") from?: string,
     @Query("to") to?: string,
     @Query("sort") sort?: string,
@@ -129,6 +153,8 @@ export class BillingController {
       typeId: typeId || undefined,
       source: source || undefined,
       customerId: customerId || undefined,
+      outstanding: flag(outstanding),
+      checkNumber: checkNumber?.trim() || undefined,
       from: parseDate(from),
       to: parseDate(to, true),
       sort: one(MOVEMENT_SORTS, sort) ?? "date_desc",
@@ -150,6 +176,42 @@ export class BillingController {
     return tx;
   }
 
+  /**
+   * Batch capture: many customers' receipts against one physical check.
+   * Same ability as single capture — batching is still capturing.
+   */
+  @Post("batch")
+  @RequireAbility("ledger:create")
+  async createBatch(@Body() dto: BatchCreateDto, @Req() req: Request) {
+    const result = await this.billing.createBatch(dto);
+    void this.audit.log(this.actingId(req), "ledger.batch", {
+      checkNumber: dto.checkNumber,
+      count: result.count,
+      total: result.total,
+      currency: result.currency,
+    });
+    return result;
+  }
+
+  /**
+   * Resolve an outstanding (NOPAGO) row — `ledger:create`, not `ledger:void`:
+   * resolving completes a capture, it doesn't reverse one.
+   */
+  @Post(":id/resolve-outstanding")
+  @RequireAbility("ledger:create")
+  async resolveOutstanding(
+    @Param("id") id: string,
+    @Body() dto: ResolveOutstandingDto,
+    @Req() req: Request,
+  ) {
+    const tx = await this.billing.resolveOutstanding(id, dto);
+    void this.audit.log(this.actingId(req), "ledger.resolve-outstanding", {
+      transactionId: id,
+      checkNumber: dto.checkNumber,
+    });
+    return tx;
+  }
+
   @Post(":id/void")
   @RequireAbility("ledger:void")
   async void(@Param("id") id: string, @Req() req: Request) {

apps/api/src/billing/billing.module.ts

@@ -5,5 +5,8 @@ import { BillingService } from "./billing.service";
 @Module({
   controllers: [BillingController],
   providers: [BillingService],
+  // The statements module posts confirmed OCR captures through
+  // BillingService.createBatch rather than writing Transaction rows itself.
+  exports: [BillingService],
 })
 export class BillingModule {}

apps/api/src/billing/billing.service.ts

@@ -1,7 +1,15 @@
 import { BadRequestException, Injectable, NotFoundException } from "@nestjs/common";
-import { Prisma, TransactionDomain } from "@jorgecuadros/database";
+import {
+  Prisma,
+  TransactionCaptureSource,
+  TransactionDomain,
+} from "@jorgecuadros/database";
 import { PrismaService } from "../prisma/prisma.service";
-import { CreateMovementDto } from "./movement.dto";
+import {
+  BatchCreateDto,
+  CreateMovementDto,
+  ResolveOutstandingDto,
+} from "./movement.dto";
 
 /**
  * Shared billing / statements module — plan step 6.
@@ -54,12 +62,29 @@ export interface MovementParams {
   typeId?: string;
   source?: string;
   customerId?: string;
+  /** Restrict to captured-but-unpaid rows (the legacy NOPAGO worklist). */
+  outstanding?: boolean;
+  /** Groups a capture batch: every row cut against one physical check. */
+  checkNumber?: string;
   /** Inclusive ISO date bounds on `transactionDate`. */
   from?: Date;
   to?: Date;
   sort: MovementSort;
 }
 
+/**
+ * Non-client-supplied options for a capture. Kept out of the DTO on purpose:
+ * these are set by the calling *module*, never by an HTTP body, so a client
+ * can't label its own rows as machine-captured or forge a capture ref.
+ * See `BillingService.createBatch` for the seam contract.
+ */
+export interface CaptureOptions {
+  /** Defaults to BATCH for the HTTP path; the OCR pipeline passes OCR. */
+  source?: TransactionCaptureSource;
+  /** Per-line artifact ids, positionally parallel to `dto.lines`. */
+  refs?: (string | undefined)[];
+}
+
 export interface BalanceParams {
   query?: string;
   page: number;
@@ -112,6 +137,41 @@ function dec(v: Prisma.Decimal | null | undefined): string {
  */
 const NOT_VOIDED: Prisma.TransactionWhereInput = { voidedAt: null };
 
+/**
+ * Outstanding ("NOPAGO") rows are captured but unpaid — the office recorded the
+ * bill without funds to cover it. They are excluded from every *balance*
+ * aggregate, exactly as the legacy `SALDOS ULTIMO 0` query did with its
+ * `HAVING NOPAGO = 0`: the office hasn't paid the bill, so it isn't yet owed by
+ * the customer. Resolving one (POST /billing/:id/resolve-outstanding) clears the
+ * flag and the amount starts counting.
+ *
+ * This is deliberately narrower than NOT_VOIDED. Voided rows are excluded
+ * everywhere; outstanding rows are excluded only from balances — the movement
+ * browser still totals them, because "how much water did we capture in April"
+ * means every captured row regardless of whether the check cleared.
+ */
+const NOT_OUTSTANDING: Prisma.TransactionWhereInput = { outstanding: false };
+
+/**
+ * Source tables excluded from the customer-facing statement.
+ *
+ * The legacy portal's `datosfreak` table was materialized from DATOS2 only
+ * (`objects.json:1358`), so the customer's "current balance" never saw
+ * EFECTIVO / EFECTIVO FM3 / CHEQUE FM3 / EFECTIVO_BACKUP cash receipts, nor
+ * the IVA 2015 snapshot. The unified `transactions` table has all of them, so
+ * the statement must drop them to match the legacy number the customer has
+ * been quoted for years. The staff-facing balances worklist and movement
+ * browser keep them — they're real money, just tracked separately
+ * (FM3 = visa fee stream, EFECTIVO = cash receipt stream).
+ */
+const STATEMENT_EXCLUDED_SOURCE_TABLES: readonly string[] = [
+  "EFECTIVO",
+  "EFECTIVO_BACKUP",
+  "EFECTIVO FM3",
+  "CHEQUE FM3",
+  "IVA 2015",
+];
+
 @Injectable()
 export class BillingService {
   constructor(private readonly prisma: PrismaService) {}
@@ -140,6 +200,10 @@ export class BillingService {
     if (p.typeId) and.push({ typeId: p.typeId });
     if (p.source) and.push({ legacySourceTable: p.source });
     if (p.customerId) and.push({ customerId: p.customerId });
+    if (p.outstanding !== undefined) and.push({ outstanding: p.outstanding });
+    // Exact match, not `contains`: this is the by-check reconciliation lookup,
+    // where "1234" must not drag in "51234".
+    if (p.checkNumber) and.push({ checkNumber: p.checkNumber });
     if (p.from || p.to) {
       and.push({
         transactionDate: {
@@ -196,6 +260,7 @@ export class BillingService {
           message: true,
           legacySourceTable: true,
           voidedAt: true,
+          outstanding: true,
           type: { select: { nameEn: true, nameEs: true } },
           customer: {
             select: { id: true, name: true, nameSource: true, city: true },
@@ -243,6 +308,7 @@ export class BillingService {
         source: r.legacySourceTable,
         type: r.type,
         voided: r.voidedAt != null,
+        outstanding: r.outstanding,
         customerId: r.customer.id,
         customerName: r.customer.name,
         customerNameSource: r.customer.nameSource,
@@ -336,7 +402,7 @@ export class BillingService {
         MAX(t.transactionDate)                                                     AS lastMovement
       FROM customers c
       JOIN transactions t ON t.customerId = c.id
-      WHERE t.voidedAt IS NULL ${nameFilter} ${txFilter}
+      WHERE t.voidedAt IS NULL AND t.outstanding = 0 ${nameFilter} ${txFilter}
       GROUP BY c.id, c.name, c.nameSource, c.nameMissing, c.city, c.state
       ${having}
       ${orderBy}
@@ -348,7 +414,10 @@ export class BillingService {
         SELECT c.id
         FROM customers c
         JOIN transactions t ON t.customerId = c.id
-        WHERE 1 = 1 ${nameFilter} ${txFilter}
+        -- Must match the page query's filters exactly, or the total disagrees
+        -- with the rows. (The void exclusion was missing here before the
+        -- outstanding work; a voided-only customer inflated the count.)
+        WHERE t.voidedAt IS NULL AND t.outstanding = 0 ${nameFilter} ${txFilter}
         GROUP BY c.id
         ${having}
       ) x
@@ -579,7 +648,23 @@ export class BillingService {
     }
 
     const rows = await this.prisma.transaction.findMany({
-      where: { customerId },
+      where: {
+        customerId,
+        // NULL-safe exclusion. `notIn` alone compiles to SQL `NOT IN`, and
+        // `NULL NOT IN (...)` is NULL, not true — so every app-captured row
+        // (which has no legacySourceTable) silently vanished from the
+        // statement while still showing in the movement browser. Rows the app
+        // books must appear on the customer's statement, so the null case is
+        // spelled out.
+        OR: [
+          { legacySourceTable: null },
+          {
+            legacySourceTable: {
+              notIn: STATEMENT_EXCLUDED_SOURCE_TABLES as string[],
+            },
+          },
+        ],
+      },
       orderBy: [{ transactionDate: "asc" }, { id: "asc" }],
       select: {
         id: true,
@@ -593,6 +678,7 @@ export class BillingService {
         message: true,
         legacySourceTable: true,
         voidedAt: true,
+        outstanding: true,
         type: { select: { nameEn: true, nameEs: true } },
       },
     });
@@ -601,9 +687,10 @@ export class BillingService {
     const movements = rows.map((r) => {
       const voided = r.voidedAt != null;
       const prev = running.get(r.currency) ?? new Prisma.Decimal(0);
-      // A voided row does not move the running balance — it shows struck-through
-      // with the balance unchanged from the previous live movement.
-      const next = voided ? prev : prev.plus(r.amount);
+      // Neither a voided row nor an outstanding (unpaid) one moves the running
+      // balance — both show tagged, with the balance unchanged from the previous
+      // live movement. Outstanding rows start counting once resolved.
+      const next = voided || r.outstanding ? prev : prev.plus(r.amount);
       running.set(r.currency, next);
       return {
         id: r.id,
@@ -619,6 +706,7 @@ export class BillingService {
         source: r.legacySourceTable,
         type: r.type,
         voided,
+        outstanding: r.outstanding,
         /** Balance in this row's currency after applying it. */
         balanceAfter: next.toFixed(2),
       };
@@ -652,7 +740,9 @@ export class BillingService {
     >();
 
     for (const r of rows) {
-      if (r.voidedAt != null) continue; // voided rows never enter a total
+      // Voided rows never enter a total; outstanding rows don't either until
+      // they're resolved (legacy SALDOS ULTIMO 0's `HAVING NOPAGO = 0`).
+      if (r.voidedAt != null || r.outstanding) continue;
       const c =
         perCurrency.get(r.currency) ??
         {
@@ -700,7 +790,7 @@ export class BillingService {
       { name: string; currency: string; total: Prisma.Decimal; count: number }
     >();
     for (const r of rows) {
-      if (r.voidedAt != null) continue;
+      if (r.voidedAt != null || r.outstanding) continue;
       if (!r.amount.lessThan(0)) continue;
       const name = r.type?.nameEs || r.type?.nameEn || "Sin clasificar";
       const key = `${name}|${r.currency}`;
@@ -772,10 +862,220 @@ export class BillingService {
         reference: dto.reference,
         checkNumber: dto.checkNumber,
         message: dto.message,
+        outstanding: dto.outstanding ?? false,
+        captureSource: "MANUAL",
       },
     });
   }
 
+  /**
+   * Batch capture by check — many customers' receipts against one physical
+   * check. One `$transaction`, so a bad line rejects the whole batch rather
+   * than leaving a half-captured check that reconciles against nothing.
+   *
+   * Returns the check-level total alongside the rows so the UI can show it
+   * against the physical check amount, which is the entire point of the legacy
+   * flow this replaces (`CAPTURA *` feeding `EDITA CHEQUE COUNT`).
+   *
+   * ── Integration seam for OCR auto-capture (RECEIPT_CAPTURE_SPEC §2) ────────
+   * This method is the SINGLE write path for multi-row capture, and the OCR
+   * pipeline is required to post through it rather than writing `Transaction`
+   * rows itself — one validation path, one audit trail. Three guarantees exist
+   * for that caller specifically, and must not be broken:
+   *
+   *   1. `items[i]` corresponds to `dto.lines[i]`. Prisma's array
+   *      `$transaction` preserves order, so the caller can zip the result back
+   *      onto its own records — which is how `StatementDocument.postedTransactionId`
+   *      gets set after a confirmed batch posts.
+   *   2. `opts.refs[i]` stamps `captureRef` on row `i` (a `StatementDocument.id`).
+   *      Re-posting a ref that already has a live row is rejected, so a
+   *      double-clicked "confirm" or a retried job cannot double-charge a
+   *      customer. Voided rows don't block a re-post — a corrected statement
+   *      must be re-postable after its bad row is voided.
+   *   3. `opts.source` records the capture path; it is NOT accepted over HTTP,
+   *      so a client cannot label its hand-keyed rows as machine-captured.
+   *
+   * Everything the OCR module adds on top (batches, per-document status, the
+   * review queue) lives in its own module; nothing about it needs to change
+   * this signature.
+   */
+  async createBatch(dto: BatchCreateDto, opts: CaptureOptions = {}) {
+    const date = new Date(dto.transactionDate);
+    if (isNaN(date.getTime())) throw new BadRequestException("Fecha inválida");
+
+    // Validate every customer up front, in one query — a per-line lookup inside
+    // the transaction would be N round-trips and would fail halfway through.
+    const ids = [...new Set(dto.lines.map((l) => l.customerId))];
+    const found = await this.prisma.customer.findMany({
+      where: { id: { in: ids } },
+      select: { id: true },
+    });
+    if (found.length !== ids.length) {
+      const known = new Set(found.map((c) => c.id));
+      const missing = ids.filter((id) => !known.has(id));
+      throw new BadRequestException(
+        `Cliente(s) no encontrado(s): ${missing.join(", ")}`,
+      );
+    }
+
+    // Duplicate-post guard (seam guarantee 2). Only live rows block: a voided
+    // row means the earlier post was reversed, so the corrected statement must
+    // be allowed through.
+    const refs = (opts.refs ?? []).filter((r): r is string => !!r);
+    if (refs.length) {
+      const clash = await this.prisma.transaction.findMany({
+        where: { captureRef: { in: refs }, voidedAt: null },
+        select: { captureRef: true },
+      });
+      if (clash.length) {
+        const dupes = [...new Set(clash.map((c) => c.captureRef))];
+        throw new BadRequestException(
+          `Ya existen movimientos para: ${dupes.join(", ")}`,
+        );
+      }
+    }
+
+    const currency = dto.currency ?? "MXN";
+    const source = opts.source ?? "BATCH";
+    const created = await this.prisma.$transaction(
+      dto.lines.map((line, i) =>
+        this.prisma.transaction.create({
+          data: {
+            customerId: line.customerId,
+            domain: dto.domain,
+            amount: line.amount,
+            transactionDate: date,
+            currency,
+            typeId: dto.typeId,
+            checkNumber: dto.checkNumber,
+            period: line.period,
+            reference: line.reference,
+            message: line.message,
+            outstanding: line.outstanding ?? false,
+            captureSource: source,
+            captureRef: opts.refs?.[i],
+          },
+        }),
+      ),
+    );
+
+    // Outstanding lines are captured but unfunded, so they don't belong in the
+    // figure staff reconcile against the physical check.
+    const total = created.reduce(
+      (sum, t) => (t.outstanding ? sum : sum.plus(t.amount)),
+      new Prisma.Decimal(0),
+    );
+
+    return {
+      /** Parallel to `dto.lines` — see seam guarantee 1. */
+      items: created,
+      checkNumber: dto.checkNumber,
+      currency,
+      source,
+      count: created.length,
+      outstandingCount: created.filter((t) => t.outstanding).length,
+      total: total.toFixed(2),
+    };
+  }
+
+  /**
+   * Resolve an outstanding row: the check was finally cut. Takes the resolution
+   * date and check number and clears the flag, so the amount starts counting
+   * toward the balance. Legacy: "se actualiza registro con fecha del día y el
+   * cheque a pagar y quitas outstanding".
+   */
+  async resolveOutstanding(id: string, dto: ResolveOutstandingDto) {
+    const tx = await this.prisma.transaction.findUnique({
+      where: { id },
+      select: { id: true, voidedAt: true, outstanding: true },
+    });
+    if (!tx) throw new NotFoundException(`Transaction ${id} not found`);
+    if (tx.voidedAt) {
+      throw new BadRequestException("El movimiento está anulado");
+    }
+    if (!tx.outstanding) {
+      throw new BadRequestException("El movimiento no está pendiente de pago");
+    }
+    const date = new Date(dto.resolvedDate);
+    if (isNaN(date.getTime())) throw new BadRequestException("Fecha inválida");
+
+    return this.prisma.transaction.update({
+      where: { id },
+      data: {
+        outstanding: false,
+        checkNumber: dto.checkNumber,
+        transactionDate: date,
+      },
+    });
+  }
+
+  /**
+   * Every live movement cut against one check, plus its total — the
+   * reconciliation view replacing `EDITA CHEQUE ALF/COUNT/NUM` and
+   * `REPORTE POR CHEQUE`. Voided rows are dropped entirely (they reconcile
+   * against nothing); outstanding rows are listed but excluded from the total,
+   * since the check didn't fund them.
+   */
+  async byCheck(checkNumber: string) {
+    const rows = await this.prisma.transaction.findMany({
+      where: { checkNumber, voidedAt: null },
+      orderBy: [{ transactionDate: "asc" }, { id: "asc" }],
+      select: {
+        id: true,
+        transactionDate: true,
+        domain: true,
+        amount: true,
+        currency: true,
+        reference: true,
+        period: true,
+        message: true,
+        outstanding: true,
+        type: { select: { nameEn: true, nameEs: true } },
+        customer: { select: { id: true, name: true, nameSource: true } },
+      },
+    });
+
+    // Per currency: a check is one currency in practice, but the ledger has
+    // both and this module never sums across them.
+    const totals = new Map<string, { currency: string; total: Prisma.Decimal; count: number }>();
+    for (const r of rows) {
+      if (r.outstanding) continue;
+      const e =
+        totals.get(r.currency) ??
+        { currency: r.currency, total: new Prisma.Decimal(0), count: 0 };
+      e.total = e.total.plus(r.amount);
+      e.count += 1;
+      totals.set(r.currency, e);
+    }
+
+    return {
+      checkNumber,
+      items: rows.map((r) => ({
+        id: r.id,
+        transactionDate: r.transactionDate,
+        domain: r.domain,
+        amount: r.amount,
+        currency: r.currency,
+        direction: r.amount.lessThan(0) ? "charge" : "credit",
+        reference: r.reference,
+        period: r.period,
+        message: r.message,
+        outstanding: r.outstanding,
+        type: r.type,
+        customerId: r.customer.id,
+        customerName: r.customer.name,
+        customerNameSource: r.customer.nameSource,
+      })),
+      count: rows.length,
+      outstandingCount: rows.filter((r) => r.outstanding).length,
+      totals: [...totals.values()].map((t) => ({
+        currency: t.currency,
+        total: t.total.toFixed(2),
+        count: t.count,
+      })),
+    };
+  }
+
   /** Reverse a movement by marking it voided; it stops counting toward totals. */
   async voidMovement(id: string, userId: string) {
     const tx = await this.prisma.transaction.findUnique({

apps/api/src/billing/movement.dto.ts

@@ -1,10 +1,16 @@
 import {
+  ArrayMaxSize,
+  ArrayMinSize,
+  IsArray,
+  IsBoolean,
   IsEnum,
   IsNumber,
   IsOptional,
   IsString,
   MinLength,
+  ValidateNested,
 } from "class-validator";
+import { Type } from "class-transformer";
 import { Currency, TransactionDomain } from "@jorgecuadros/database";
 
 /**
@@ -24,4 +30,56 @@ export class CreateMovementDto {
   @IsOptional() @IsString() reference?: string;
   @IsOptional() @IsString() checkNumber?: string;
   @IsOptional() @IsString() message?: string;
+  /**
+   * Legacy "NOPAGO": the bill was captured but not actually paid (no funds).
+   * The row posts normally and stays visible, but is kept out of every balance
+   * aggregate until resolved — see BillingService's NOT_OUTSTANDING.
+   */
+  @IsOptional() @IsBoolean() outstanding?: boolean;
+}
+
+/**
+ * Resolving an outstanding row: the check finally got cut, so the movement
+ * takes the resolution date and check number and starts counting toward the
+ * balance. Legacy behavior: "se actualiza registro con fecha del día y el
+ * cheque a pagar y quitas outstanding".
+ */
+export class ResolveOutstandingDto {
+  @IsString() @MinLength(1) checkNumber!: string;
+  @IsString() @MinLength(1) resolvedDate!: string;
+}
+
+/** One customer's line within a batch; check-level fields live on the parent. */
+export class BatchLineDto {
+  @IsString() @MinLength(1) customerId!: string;
+  @IsNumber() amount!: number;
+
+  @IsOptional() @IsString() reference?: string;
+  @IsOptional() @IsString() period?: string;
+  @IsOptional() @IsString() message?: string;
+  @IsOptional() @IsBoolean() outstanding?: boolean;
+}
+
+/**
+ * Batch capture by check — the legacy "Editor" flow: key many customers'
+ * receipts against one check, then reconcile the captured total against the
+ * physical check. Deliberately NOT a persisted batch entity: `checkNumber` is
+ * already a column, and grouping by it answers every legacy by-check query.
+ */
+export class BatchCreateDto {
+  @IsEnum(TransactionDomain) domain!: TransactionDomain;
+  @IsString() @MinLength(1) transactionDate!: string;
+  @IsString() @MinLength(1) checkNumber!: string;
+
+  @IsOptional() @IsEnum(Currency) currency?: Currency;
+  @IsOptional() @IsString() typeId?: string;
+
+  // Capped so one request can't open a transaction over an unbounded row set;
+  // a physical check batch is tens of lines, not thousands.
+  @IsArray()
+  @ArrayMinSize(1)
+  @ArrayMaxSize(500)
+  @ValidateNested({ each: true })
+  @Type(() => BatchLineDto)
+  lines!: BatchLineDto[];
 }

apps/api/src/customers/create-customer.dto.ts

@@ -29,6 +29,7 @@ export class CreateCustomerDto {
   @IsOptional() @IsString() mobile?: string;
   @IsOptional() @IsString() fax?: string;
   @IsOptional() @IsEmail() email?: string;
+  @IsOptional() @IsBoolean() emailOptOut?: boolean;
   @IsOptional() @IsString() notes?: string;
   @IsOptional() @IsString() identificationType?: string;
   @IsOptional() @IsString() identificationNumber?: string;

apps/api/src/customers/update-customer.dto.ts

@@ -22,6 +22,7 @@ export class UpdateCustomerDto {
   @IsOptional() @IsString() mobile?: string;
   @IsOptional() @IsString() fax?: string;
   @IsOptional() @IsEmail() email?: string;
+  @IsOptional() @IsBoolean() emailOptOut?: boolean;
   @IsOptional() @IsString() notes?: string;
   @IsOptional() @IsString() identificationType?: string;
   @IsOptional() @IsString() identificationNumber?: string;

apps/api/src/mail/mail.module.ts

@@ -0,0 +1,13 @@
+import { Global, Module } from "@nestjs/common";
+import { MailService } from "./mail.service";
+
+/** Global so any feature module can inject MailService without re-importing.
+ *  Matches the StorageService pattern: env-driven, null when unconfigured,
+ *  and never blocks API boot. Notifications use it; renewals reuse it.
+ *  ConfigService comes from the global ConfigModule in AppModule. */
+@Global()
+@Module({
+  providers: [MailService],
+  exports: [MailService],
+})
+export class MailModule {}

apps/api/src/mail/mail.service.ts

@@ -0,0 +1,189 @@
+import {
+  Injectable,
+  Logger,
+  ServiceUnavailableException,
+} from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import {
+  SESv2Client,
+  SendEmailCommand,
+  SendEmailCommandInput,
+  SendEmailCommandOutput,
+} from "@aws-sdk/client-sesv2";
+
+/**
+ * Outbound mail transport. Amazon SES — the channel the office already uses
+ * for bulk notification, per docs/INSURANCE_FEATURES_SPEC.md §1.3 (the
+ * renewal-notice spec settled on SES for the same reason: established sender
+ * reputation, existing IAM, negligible incremental cost at our volume).
+ *
+ * Mirrors `StorageService` exactly: env-driven config, null client when
+ * unconfigured, `ServiceUnavailableException` on use, never blocks API boot.
+ * When the env vars are missing AND we're in dev/test we fall back to a
+ * console-logging transport so the NotificationsService can be exercised
+ * end-to-end without SES credentials — a missing mail setup in production
+ * still throws, so a real deployment can't accidentally no-op its sends.
+ *
+ * Env:
+ *   SES_REGION                — required when client is configured
+ *   SES_ACCESS_KEY / SES_SECRET_KEY — required
+ *   SES_FROM                  — verified sending identity (e.g. mail@jorgecuadros.com)
+ *   SES_FROM_NAME             — display name, optional
+ *   SES_CONFIGURATION_SET     — optional, for bounce/complaint event publishing
+ */
+
+export interface SendArgs {
+  to: string;
+  /** Optional display name; SES will not display it for "to" but we keep it on
+   *  the log row so customer-facing audit reads naturally. */
+  toName?: string;
+  subject: string;
+  /** HTML body. The four notification jobs all produce HTML. */
+  html: string;
+  /** Optional override of the configured From; rare but useful for the
+   *  trust-payment test mail to a different identity. */
+  from?: string;
+  fromName?: string;
+  /** Marker header kept on every send so a downstream mail-log search for
+   *  "X-Tracking: 1" surfaces only this app's outbound traffic. The legacy
+   *  PHP sendEmail() always set it; we keep the convention. */
+  xTracking?: string;
+}
+
+export interface SendResult {
+  /** SES MessageId (or our mock prefix in dev). Stored verbatim on the
+   *  notification log row so a SES bounce/complaint webhook can be matched
+   *  back to the exact send. */
+  messageId: string;
+  /** Truncated SES response payload (or empty in dev). 4k cap matches the
+   *  notification log column width. */
+  response: string;
+}
+
+@Injectable()
+export class MailService {
+  private readonly logger = new Logger(MailService.name);
+  private readonly client: SESv2Client | null;
+  private readonly fromAddress: string | null;
+  private readonly fromName: string;
+  private readonly configurationSet: string | undefined;
+  private readonly devMode: boolean;
+
+  constructor(config: ConfigService) {
+    const region = config.get<string>("SES_REGION");
+    const accessKeyId = config.get<string>("SES_ACCESS_KEY");
+    const secretAccessKey = config.get<string>("SES_SECRET_KEY");
+    this.fromAddress =
+      config.get<string>("SES_FROM") ??
+      config.get<string>("MAIL_FROM") ??
+      null;
+    this.fromName =
+      config.get<string>("SES_FROM_NAME") ??
+      config.get<string>("MAIL_FROM_NAME") ??
+      "Information Server";
+    this.configurationSet = config.get<string>("SES_CONFIGURATION_SET");
+    // Dev fallback: when nothing is configured, log sends to stdout instead
+    // of throwing. Lets the API boot in a fresh checkout and lets the
+    // notifications UI show "0 sent" meaningfully on `debug=1`. Production
+    // (NODE_ENV !== development) still requires real config.
+    this.devMode = process.env.NODE_ENV !== "production";
+
+    if (!region || !accessKeyId || !secretAccessKey || !this.fromAddress) {
+      if (!this.devMode) {
+        this.logger.warn(
+          "SES not configured (SES_REGION / SES_ACCESS_KEY / SES_SECRET_KEY / SES_FROM). " +
+            "Outbound mail will throw ServiceUnavailableException.",
+        );
+      }
+      this.client = null;
+      return;
+    }
+
+    this.client = new SESv2Client({
+      region,
+      credentials: { accessKeyId, secretAccessKey },
+    });
+    this.logger.log(
+      `SES mail client configured (region=${region}, from=${this.fromAddress}).`,
+    );
+  }
+
+  /** Whether the deployment has a real mail transport. Callers use this to
+   *  refuse work up front — a mass-notification job that throws on its
+   *  first send half-completes and the log is unrecoverable, so we fail
+   *  fast at the controller. */
+  get available(): boolean {
+    return this.client !== null || this.devMode;
+  }
+
+  /** True when the underlying transport is the dev console-log fallback. */
+  get isDevFallback(): boolean {
+    return this.client === null && this.devMode;
+  }
+
+  private require(): SESv2Client {
+    if (!this.client) {
+      throw new ServiceUnavailableException(
+        "El envío de correo no está configurado.",
+      );
+    }
+    return this.client;
+  }
+
+  /**
+   * Send a single HTML email. The dev fallback logs to stdout and returns a
+   * synthetic `dev-<timestamp>` message id; the real transport talks to SES
+   * and returns the SES MessageId.
+   *
+   * Throws `ServiceUnavailableException` when no transport is configured and
+   * we are not in dev — the caller (NotificationsService) catches and records
+   * it on the log row so a failed sweep produces a coherent audit trail
+   * instead of an aborted one.
+   */
+  async send(args: SendArgs): Promise<SendResult> {
+    const from = `${args.fromName ?? this.fromName} <${
+      args.from ?? this.fromAddress ?? ""
+    }>`.trim();
+
+    if (!this.client) {
+      if (!this.devMode) this.require();
+      const fakeId = `dev-${Date.now().toString(36)}-${Math.random()
+        .toString(36)
+        .slice(2, 8)}`;
+      this.logger.log(
+        `[dev-mail] to=${args.to} subject="${args.subject}" id=${fakeId} ` +
+          `len=${args.html.length}`,
+      );
+      return { messageId: fakeId, response: "" };
+    }
+
+    const input: SendEmailCommandInput = {
+      FromEmailAddress: from,
+      Destination: { ToAddresses: [args.to] },
+      Content: {
+        Simple: {
+          Subject: { Data: args.subject, Charset: "UTF-8" },
+          Body: { Html: { Data: args.html, Charset: "UTF-8" } },
+        },
+      },
+      ...(this.configurationSet
+        ? { ConfigurationSetName: this.configurationSet }
+        : {}),
+      ...(args.xTracking
+        ? {
+            EmailTags: [
+              { Name: "X-Tracking", Value: args.xTracking },
+            ],
+          }
+        : {}),
+    };
+
+    const out: SendEmailCommandOutput = await this.client.send(
+      new SendEmailCommand(input),
+    );
+    return {
+      messageId: out.MessageId ?? "",
+      response: JSON.stringify({ MessageId: out.MessageId ?? null }).slice(0, 4096),
+    };
+  }
+}

apps/api/src/main.ts

@@ -25,6 +25,26 @@ async function bootstrap() {
     throw new Error("SESSION_SECRET must be set (see .env.example)");
   }
 
+  // Whether the session cookie carries the Secure flag. This CANNOT simply
+  // follow NODE_ENV: express-session silently declines to send a Secure cookie
+  // over a plain-HTTP connection, so a production image served over http://ial
+  // issues no cookie at all. Login then returns 200 with a user, no session is
+  // established, every later request 403s, and the UI loops back to /login —
+  // which is exactly what happened on the first galactus deploy.
+  //
+  // Leave it ON wherever the app is reached over TLS. Turn it OFF only for a
+  // deployment that is HTTP but reached over an already-encrypted transport
+  // (the galactus install is Tailscale-only, so WireGuard encrypts the wire).
+  // Behind a TLS-terminating proxy, set trust proxy instead of turning this off.
+  // An EMPTY value counts as unset, not as "false". Compose interpolation turns
+  // an absent `${SESSION_COOKIE_SECURE:-}` into the empty string, so testing
+  // `!== undefined` here would silently drop the Secure flag on any deployment
+  // that merely passes the variable through without setting it.
+  const cookieSecureRaw = process.env.SESSION_COOKIE_SECURE;
+  const cookieSecure = cookieSecureRaw
+    ? cookieSecureRaw === "true"
+    : process.env.NODE_ENV === "production";
+
   app.use(
     session({
       secret: sessionSecret,
@@ -32,7 +52,7 @@ async function bootstrap() {
       saveUninitialized: false,
       cookie: {
         httpOnly: true,
-        secure: process.env.NODE_ENV === "production",
+        secure: cookieSecure,
         maxAge: 1000 * 60 * 60 * 8, // 8-hour session, matches a staff workday
       },
     })

apps/api/src/notifications/notification-log.module.ts

@@ -0,0 +1,14 @@
+import { Module } from "@nestjs/common";
+import { NotificationLogService } from "./notification-log.service";
+
+/**
+ * Just the log writer, so a feature that sends mail can record it without
+ * importing `NotificationsModule` (which carries the four bulk-job pipelines
+ * and their controller). Imported by `NotificationsModule` and
+ * `RenewalsModule`.
+ */
+@Module({
+  providers: [NotificationLogService],
+  exports: [NotificationLogService],
+})
+export class NotificationLogModule {}

apps/api/src/notifications/notification-log.service.ts

@@ -0,0 +1,74 @@
+import { Injectable } from "@nestjs/common";
+import {
+  EmailNotificationServicio,
+  EmailNotificationStatus,
+  EmailNotificationType,
+} from "@jorgecuadros/database";
+import { PrismaService } from "../prisma/prisma.service";
+import { AttemptStatus } from "./notification.types";
+
+/**
+ * The single writer for `email_notification_log`.
+ *
+ * Extracted out of `NotificationsService` so the renewal sweep can write the
+ * same rows as the four bulk jobs without pulling that service (and its four
+ * job pipelines) into `RenewalsModule`. Every outbound email the platform
+ * sends goes through here, which is what makes /notificaciones' "Registro de
+ * envíos" complete rather than per-feature.
+ */
+export interface NotificationLogEntry {
+  notificationType: EmailNotificationType;
+  servicio: EmailNotificationServicio;
+  /** Defaults to now(). Pass it when the row must line up exactly with
+   *  another record of the same send (the renewal sweep pins it to
+   *  `RenewalNotice.sentAt`). */
+  sendDate?: Date;
+  /** Type-dependent discriminator — see the `level` doc on the Prisma model.
+   *  0/1 for ACCOUNT_STATUS, the generation for RENEWAL_NOTICE. */
+  level?: number | null;
+  customerId: string | null;
+  customerName: string;
+  customerEmail: string;
+  subject: string;
+  bodySnapshot: string;
+  bodyRequestUrl?: string;
+  status: AttemptStatus;
+  debug: boolean;
+  providerMessageId?: string;
+  providerResponse?: string;
+  error?: string;
+}
+
+/** `providerResponse` is a VARCHAR(191); anything longer is a provider dump
+ *  we only need the head of. Errors go to the TEXT `error` column and get
+ *  the 4k cap the schema documents. */
+const PROVIDER_RESPONSE_MAX = 180;
+const ERROR_MAX = 4096;
+
+@Injectable()
+export class NotificationLogService {
+  constructor(private readonly prisma: PrismaService) {}
+
+  async record(entry: NotificationLogEntry): Promise<void> {
+    await this.prisma.emailNotificationLog.create({
+      data: {
+        notificationType: entry.notificationType,
+        servicio: entry.servicio,
+        ...(entry.sendDate && { sendDate: entry.sendDate }),
+        level: entry.level ?? null,
+        customerId: entry.customerId,
+        customerName: entry.customerName,
+        customerEmail: entry.customerEmail,
+        subject: entry.subject,
+        bodySnapshot: entry.bodySnapshot,
+        bodyRequestUrl: entry.bodyRequestUrl ?? null,
+        debug: entry.debug,
+        providerMessageId: entry.providerMessageId ?? null,
+        providerResponse:
+          entry.providerResponse?.slice(0, PROVIDER_RESPONSE_MAX) ?? null,
+        status: entry.status as EmailNotificationStatus,
+        error: entry.error?.slice(0, ERROR_MAX) ?? null,
+      },
+    });
+  }
+}

apps/api/src/notifications/notification-schedule.module.ts

@@ -0,0 +1,15 @@
+import { Module } from "@nestjs/common";
+import { SettingsModule } from "../settings/settings.module";
+import { NotificationScheduleService } from "./notification-schedule.service";
+
+/**
+ * Just the cadence registry, split out for the same reason as
+ * `NotificationLogModule`: both `NotificationsModule` and `RenewalsModule`
+ * need it, and neither may import the other.
+ */
+@Module({
+  imports: [SettingsModule],
+  providers: [NotificationScheduleService],
+  exports: [NotificationScheduleService],
+})
+export class NotificationScheduleModule {}

apps/api/src/notifications/notification-schedule.service.ts

@@ -0,0 +1,203 @@
+import { Injectable, Logger } from "@nestjs/common";
+import { SchedulerRegistry } from "@nestjs/schedule";
+import { CronJob } from "cron";
+import { SettingsService } from "../settings/settings.service";
+import type { ResolvedSetting } from "../settings/settings.service";
+
+/**
+ * When the two automatic envíos run.
+ *
+ * Both halves of /notificaciones used to be hardcoded: pólizas swept at 06:00
+ * from a `@Cron` decorator, servicios had no automatic run at all and had to
+ * be clicked. Neither could be changed without a redeploy. This service owns
+ * the cadence for both, stores it in `app_settings`, and re-installs the job
+ * the moment an operator saves — no restart.
+ *
+ * The owning services register their handler at boot rather than this service
+ * importing them: `NotificationsService` and `RenewalsService` would otherwise
+ * have to be injected here, and this file is imported by both.
+ */
+
+export const SCHEDULE_TIME_ZONE = "America/Tijuana";
+
+export type ScheduleKind = "servicios" | "polizas";
+
+export const SCHEDULE_KINDS: ScheduleKind[] = ["servicios", "polizas"];
+
+export interface NotificationSchedule {
+  enabled: boolean;
+  /** Local hour/minute in `SCHEDULE_TIME_ZONE`, not UTC — the office thinks
+   *  in Tijuana time and DST would otherwise drift the run by an hour. */
+  hour: number;
+  minute: number;
+  /** 0 = Sunday … 6 = Saturday. Empty means every day. */
+  weekdays: number[];
+}
+
+export interface ResolvedSchedule extends ResolvedSetting<NotificationSchedule> {
+  /** The cron expression the value compiles to, shown in the UI so the
+   *  operator can see exactly what was installed. */
+  cron: string;
+  /** Next fire time, or null when disabled. */
+  nextRun: string | null;
+}
+
+/**
+ * Defaults preserve what each half did before this existed: pólizas keeps its
+ * 06:00 daily sweep, servicios stays OFF. Turning a mass send on is an
+ * operator decision — a default that starts mailing 260 customers on its own
+ * after a deploy is not a default, it's an incident.
+ */
+const DEFAULTS: Record<ScheduleKind, NotificationSchedule> = {
+  servicios: { enabled: false, hour: 7, minute: 0, weekdays: [1, 3, 5] },
+  polizas: { enabled: true, hour: 6, minute: 0, weekdays: [] },
+};
+
+/** Human label used in log lines and audit entries. */
+export const SCHEDULE_LABELS: Record<ScheduleKind, string> = {
+  servicios: "envíos de servicios",
+  polizas: "avisos de renovación",
+};
+
+export function scheduleCron(schedule: NotificationSchedule): string {
+  const dow = schedule.weekdays.length
+    ? [...new Set(schedule.weekdays)].sort((a, b) => a - b).join(",")
+    : "*";
+  return `${schedule.minute} ${schedule.hour} * * ${dow}`;
+}
+
+/** Reject anything that would compile to a cron we can't install. Returns the
+ *  normalized value, or a message naming the offending field. */
+export function parseSchedule(
+  raw: unknown,
+): { ok: true; value: NotificationSchedule } | { ok: false; error: string } {
+  const v = raw as Partial<NotificationSchedule> | null;
+  if (!v || typeof v !== "object") return { ok: false, error: "Horario inválido." };
+  const hour = Number(v.hour);
+  const minute = Number(v.minute);
+  if (!Number.isInteger(hour) || hour < 0 || hour > 23) {
+    return { ok: false, error: "La hora debe estar entre 0 y 23." };
+  }
+  if (!Number.isInteger(minute) || minute < 0 || minute > 59) {
+    return { ok: false, error: "Los minutos deben estar entre 0 y 59." };
+  }
+  const weekdays = Array.isArray(v.weekdays) ? v.weekdays.map(Number) : [];
+  if (weekdays.some((d) => !Number.isInteger(d) || d < 0 || d > 6)) {
+    return { ok: false, error: "Los días deben estar entre 0 (domingo) y 6." };
+  }
+  return {
+    ok: true,
+    value: {
+      enabled: !!v.enabled,
+      hour,
+      minute,
+      weekdays: [...new Set(weekdays)].sort((a, b) => a - b),
+    },
+  };
+}
+
+@Injectable()
+export class NotificationScheduleService {
+  private readonly logger = new Logger(NotificationScheduleService.name);
+  private readonly handlers = new Map<ScheduleKind, () => Promise<unknown>>();
+
+  constructor(
+    private readonly settings: SettingsService,
+    private readonly registry: SchedulerRegistry,
+  ) {}
+
+  /**
+   * Called once per kind at boot by the service that owns the sweep. Installs
+   * the job immediately so a freshly started process honours the stored
+   * cadence without waiting for someone to open the UI.
+   */
+  async register(kind: ScheduleKind, handler: () => Promise<unknown>) {
+    this.handlers.set(kind, handler);
+    await this.apply(kind);
+  }
+
+  async get(kind: ScheduleKind): Promise<ResolvedSchedule> {
+    const resolved = await this.settings.notificationSchedule(
+      kind,
+      DEFAULTS[kind],
+    );
+    const cron = scheduleCron(resolved.value);
+    return { ...resolved, cron, nextRun: this.nextRun(kind) };
+  }
+
+  async getAll(): Promise<Record<ScheduleKind, ResolvedSchedule>> {
+    const entries = await Promise.all(
+      SCHEDULE_KINDS.map(async (k) => [k, await this.get(k)] as const),
+    );
+    return Object.fromEntries(entries) as Record<ScheduleKind, ResolvedSchedule>;
+  }
+
+  async set(
+    kind: ScheduleKind,
+    schedule: NotificationSchedule,
+    userId: string,
+  ): Promise<ResolvedSchedule> {
+    await this.settings.setNotificationSchedule(kind, schedule, userId);
+    await this.apply(kind);
+    return this.get(kind);
+  }
+
+  /** (Re)install the cron job for one kind from whatever is stored now. */
+  private async apply(kind: ScheduleKind): Promise<void> {
+    const handler = this.handlers.get(kind);
+    if (!handler) return;
+
+    this.remove(kind);
+
+    const { value } = await this.settings.notificationSchedule(
+      kind,
+      DEFAULTS[kind],
+    );
+    if (!value.enabled) {
+      this.logger.log(`Horario de ${SCHEDULE_LABELS[kind]}: desactivado.`);
+      return;
+    }
+
+    const cron = scheduleCron(value);
+    const job = new CronJob(
+      cron,
+      () => {
+        void handler().catch((error) =>
+          this.logger.error(
+            `Falló la corrida programada de ${SCHEDULE_LABELS[kind]}: ` +
+              `${(error as Error).message}`,
+          ),
+        );
+      },
+      null,
+      false,
+      SCHEDULE_TIME_ZONE,
+    );
+    this.registry.addCronJob(this.jobName(kind), job);
+    job.start();
+    this.logger.log(
+      `Horario de ${SCHEDULE_LABELS[kind]}: ${cron} (${SCHEDULE_TIME_ZONE}).`,
+    );
+  }
+
+  private remove(kind: ScheduleKind): void {
+    const name = this.jobName(kind);
+    // `deleteCronJob` throws when the job was never installed, which is the
+    // normal case on first apply — presence check instead of try/catch so a
+    // real failure still surfaces.
+    if (!this.registry.doesExist("cron", name)) return;
+    this.registry.getCronJob(name).stop();
+    this.registry.deleteCronJob(name);
+  }
+
+  private nextRun(kind: ScheduleKind): string | null {
+    const name = this.jobName(kind);
+    if (!this.registry.doesExist("cron", name)) return null;
+    const next = this.registry.getCronJob(name).nextDate();
+    return next ? next.toJSDate().toISOString() : null;
+  }
+
+  private jobName(kind: ScheduleKind): string {
+    return `notification-schedule:${kind}`;
+  }
+}

apps/api/src/notifications/notification-schedule.spec.ts

@@ -0,0 +1,57 @@
+import { parseSchedule, scheduleCron } from "./notification-schedule.service";
+
+/**
+ * The cadence editor's only sharp edge: a stored value compiles to a cron
+ * expression that the scheduler installs verbatim. A malformed one either
+ * throws at install time (taking the sweep down) or silently installs the
+ * wrong cadence, so validation happens before anything is written.
+ */
+
+describe("scheduleCron", () => {
+  it("compiles a daily schedule with no weekday filter", () => {
+    expect(
+      scheduleCron({ enabled: true, hour: 6, minute: 0, weekdays: [] }),
+    ).toBe("0 6 * * *");
+  });
+
+  it("compiles the legacy Mon/Wed/Fri cadence, sorted and de-duplicated", () => {
+    expect(
+      scheduleCron({ enabled: true, hour: 7, minute: 30, weekdays: [5, 1, 3, 1] }),
+    ).toBe("30 7 * * 1,3,5");
+  });
+});
+
+describe("parseSchedule", () => {
+  it("normalizes weekdays and coerces enabled to a boolean", () => {
+    const parsed = parseSchedule({
+      enabled: 1,
+      hour: 6,
+      minute: 0,
+      weekdays: [3, 1, 3],
+    });
+    expect(parsed).toEqual({
+      ok: true,
+      value: { enabled: true, hour: 6, minute: 0, weekdays: [1, 3] },
+    });
+  });
+
+  it("defaults a missing weekday list to every day", () => {
+    const parsed = parseSchedule({ enabled: true, hour: 0, minute: 0 });
+    expect(parsed.ok && parsed.value.weekdays).toEqual([]);
+  });
+
+  it.each([
+    [{ enabled: true, hour: 24, minute: 0 }, "hora"],
+    [{ enabled: true, hour: 6, minute: 60 }, "minutos"],
+    [{ enabled: true, hour: 6, minute: 0, weekdays: [7] }, "días"],
+    [{ enabled: true, hour: 6.5, minute: 0 }, "hora"],
+  ])("rejects %p", (input, field) => {
+    const parsed = parseSchedule(input);
+    expect(parsed.ok).toBe(false);
+    expect(!parsed.ok && parsed.error.toLowerCase()).toContain(field);
+  });
+
+  it("rejects a non-object", () => {
+    expect(parseSchedule(null).ok).toBe(false);
+  });
+});

apps/api/src/notifications/notification.types.ts

@@ -0,0 +1,175 @@
+import {
+  EmailNotificationServicio,
+  EmailNotificationType,
+} from "@jorgecuadros/database";
+import { IsBoolean, IsEnum, IsOptional } from "class-validator";
+
+/**
+ * Where `debug` sends everything. The PHP used `rmancinas@freakma.net`;
+ * same here. Exported because the flag is platform-wide — the renewal
+ * notices honour it too, and two copies of this address would eventually
+ * disagree.
+ */
+export const DEBUG_RECIPIENT = "rmancinas@freakma.net";
+
+/**
+ * Shared flags for every notification send — the four servicios jobs and
+ * the pólizas renewal notices alike. Every endpoint takes the same shape
+ * so the UI can offer one set of switches for the whole screen; each flag
+ * is documented inline so the per-job semantics are obvious in one place.
+ *
+ * `debug`            — replace every recipient with `DEBUG_RECIPIENT` so a
+ *                      real customer never receives mail during a test run.
+ *                      Logged on every row. On the renewal side a debug send
+ *                      also does NOT write the `RenewalNotice` row, so a test
+ *                      can't gate the letter the customer is still owed.
+ * `ignoreDayRestriction` — Job 3 only: bypass the Mon/Wed/Fri (red) and
+ *                      Wed-only (yellow) day gates. Off by default so
+ *                      the on-demand sweep behaves like the legacy
+ *                      script.
+ * `useEmailLimit`    — Job 3 only: pause the sweep 1 hour after 100
+ *                      sends (a vestigial SMTP-era throttling limit).
+ *                      Off by default; SES does not need it.
+ */
+export class NotificationFlagsDto {
+  @IsOptional()
+  @IsBoolean()
+  debug?: boolean;
+
+  @IsOptional()
+  @IsBoolean()
+  ignoreDayRestriction?: boolean;
+
+  @IsOptional()
+  @IsBoolean()
+  useEmailLimit?: boolean;
+}
+
+/**
+ * What we know at job-end and put on the wire. Field names match the
+ * legacy PHP scripts' `echo json_encode(...)` so a downstream log scraper
+ * that already parses `notificationType: "sendPaymentConfirmation"`
+ * keeps working — see `~/Documents/Claude-Memory/email-notifications-spec.md`
+ * for the verbatim PHP shapes. Specifically: Job 1 reports
+ * `notificationType: "sendPaymentConfirmation"` (the legacy literal), and
+ * uses field `result` instead of `request`; the other three use
+ * `notificationType` matching the script's purpose.
+ *
+ * Every variant carries `sent/skipped/failed/debug` for the audit log;
+ * the legacy fields stay where they were so the response shape is
+ * exactly backward-compatible.
+ */
+export type NotificationJobResponse =
+  | {
+      // Job 1
+      result: "success";
+      notificationType: "sendPaymentConfirmation";
+      reason: string;
+      statusCode: 200;
+      sent: number;
+      skipped: number;
+      failed: number;
+      debug: boolean;
+      type: "OUTSTANDING_PAYMENT";
+    }
+  | {
+      // Job 2
+      request: "success";
+      notificationType: "sendPaymentConfirmation";
+      confirmationSent: string;
+      statusCode: 200;
+      sent: number;
+      skipped: number;
+      failed: number;
+      debug: boolean;
+      type: "PAYMENT_CONFIRMATION";
+    }
+  | {
+      // Job 3 — sent/skipped/failed included so the audit log can record
+      // totals without depending on (red+yellow) alone.
+      request: "success";
+      notificationType: "sendAccountStatus";
+      statusSent: string;
+      statusReport: string;
+      statusCode: 200;
+      red: number;
+      yellow: number;
+      total: number;
+      sent: number;
+      skipped: number;
+      failed: number;
+      debug: boolean;
+      type: "ACCOUNT_STATUS";
+    }
+  | {
+      // Job 4
+      request: "success";
+      notificationType: "sendTrustPaymentConfirmation";
+      confirmationSent: string;
+      statusCode: 200;
+      sent: number;
+      skipped: number;
+      failed: number;
+      debug: boolean;
+      type: "TRUST_PAYMENT_CONFIRMATION";
+    };
+
+/** The four jobs, in the order the "ejecutar todos" sweep runs them. */
+export type NotificationJobKind =
+  | "outstanding"
+  | "payment"
+  | "account"
+  | "trust";
+
+/**
+ * One entry of the run-all sweep. A job that throws does NOT abort the
+ * sweep — it is recorded with `ok: false` and the next job still runs, so a
+ * single bad query can't silently block the other three envíos.
+ */
+export interface NotificationRunAllJobResult {
+  kind: NotificationJobKind;
+  ok: boolean;
+  result?: NotificationJobResponse;
+  error?: string;
+}
+
+/**
+ * Aggregate response for `POST /notifications/run-all`. `sent/skipped/failed`
+ * are the sums across every job that completed; `jobs` keeps each job's own
+ * verbatim legacy response so the UI can still show per-job detail.
+ */
+export interface NotificationRunAllResponse {
+  request: "success";
+  notificationType: "runAllNotifications";
+  statusCode: 200;
+  debug: boolean;
+  sent: number;
+  skipped: number;
+  failed: number;
+  /** Jobs that threw — sweep continued past them. */
+  errors: number;
+  jobs: NotificationRunAllJobResult[];
+  type: "RUN_ALL";
+}
+
+/** Normalized record for a single send attempt, fed by all four jobs. */
+export interface SendAttempt {
+  notificationType: EmailNotificationType;
+  servicio: EmailNotificationServicio;
+  customerId: string | null;
+  customerName: string;
+  customerEmail: string;
+  subject: string;
+  bodySnapshot: string;
+  bodyRequestUrl?: string;
+  /** Account-status-only — 0 yellow / 1 red. Null on the other three jobs. */
+  level?: 0 | 1;
+  /** Account-status-only — DEBAJO DEL TIPO / EN ROJO. */
+  historyTipo?: string;
+  historyBalance?: string;
+  historyTCambio?: string;
+  historySolicitado?: string;
+}
+
+/** Status enum values, mirrored from `EmailNotificationStatus`. */
+export type AttemptStatus = "SENT" | "FAILED" | "SKIPPED_NO_EMAIL" | "SKIPPED_GATE";

apps/api/src/notifications/notifications.controller.ts

@@ -0,0 +1,331 @@
+import {
+  BadRequestException,
+  Body,
+  Controller,
+  Get,
+  HttpCode,
+  Param,
+  Post,
+  Put,
+  Query,
+  Req,
+  UseGuards,
+} from "@nestjs/common";
+import { Request } from "express";
+import {
+  EmailNotificationServicio,
+  EmailNotificationStatus,
+  EmailNotificationType,
+} from "@jorgecuadros/database";
+import { Transform, Type } from "class-transformer";
+import {
+  ArrayMaxSize,
+  IsArray,
+  IsBoolean,
+  IsEnum,
+  IsInt,
+  IsOptional,
+  IsString,
+  Max,
+  Min,
+} from "class-validator";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { AbilityGuard } from "../auth/ability.guard";
+import { RequireAbility } from "../auth/require-ability.decorator";
+import { AuditService } from "../common/audit.service";
+import { invalidEmails, SettingsService } from "../settings/settings.service";
+import {
+  NotificationScheduleService,
+  parseSchedule,
+  SCHEDULE_KINDS,
+  ScheduleKind,
+} from "./notification-schedule.service";
+import { NotificationFlagsDto } from "./notification.types";
+import { NotificationsService } from "./notifications.service";
+
+/** Same flags for every job, query-string OR body (the PHP scripts took
+ *  both via STDIN vs HTTP-CGI — we accept either for parity). */
+class RunJobDto extends NotificationFlagsDto {}
+
+class ListLogDto {
+  @IsOptional() @Type(() => Number) @IsInt() @Min(1) page?: number;
+  @IsOptional() @Type(() => Number) @IsInt() @Min(1) @Max(200) pageSize?: number;
+  @IsOptional() @IsEnum(EmailNotificationType) type?: EmailNotificationType;
+  /** One or more servicios, comma-separated. The /notificaciones tabs each
+   *  read their own slice of the one log: Servicios passes
+   *  `CUSTOMERS,TRUST`, Pólizas passes `POLICIES`. Omitted = every servicio. */
+  @IsOptional()
+  @Transform(({ value }) =>
+    typeof value === "string"
+      ? value.split(",").map((s) => s.trim()).filter(Boolean)
+      : value,
+  )
+  @IsEnum(EmailNotificationServicio, { each: true })
+  servicio?: EmailNotificationServicio[];
+  @IsOptional() @IsEnum(EmailNotificationStatus) status?: EmailNotificationStatus;
+  @IsOptional() @IsEnum(["sent", "failed", "skipped", "all"]) view?: "sent" | "failed" | "skipped" | "all";
+}
+
+/** An empty array is valid and means "send no summaries" — the cap only
+ *  exists so a paste accident can't write an unbounded blob. */
+class AdminEmailsDto {
+  @IsArray()
+  @ArrayMaxSize(50)
+  @IsString({ each: true })
+  emails!: string[];
+}
+
+/** Cadence of one automatic envío. Ranges are re-checked by `parseSchedule`,
+ *  which is also what the scheduler itself uses — the decorators here only
+ *  reject wrong *types* so a bad payload fails at the edge. */
+class ScheduleDto {
+  @IsBoolean() enabled!: boolean;
+  @IsInt() @Min(0) @Max(23) hour!: number;
+  @IsInt() @Min(0) @Max(59) minute!: number;
+  @IsOptional() @IsArray() @IsInt({ each: true }) weekdays?: number[];
+}
+
+function actingId(req: Request): string {
+  return (req.user as { id: string }).id;
+}
+
+/**
+ * HTTP surface for the mass-notification jobs. Four trigger endpoints +
+ * two read endpoints (list log, stats). All mutations gated by the
+ * `notification:send` ability so a STAFF user can't accidentally fire a
+ * 260-mail sweep.
+ */
+@UseGuards(AuthenticatedGuard, AbilityGuard)
+@Controller("notifications")
+export class NotificationsController {
+  constructor(
+    private readonly svc: NotificationsService,
+    private readonly audit: AuditService,
+    private readonly settings: SettingsService,
+    private readonly schedule: NotificationScheduleService,
+  ) {}
+
+  /* -------------------------------------------------------------- triggers */
+
+  @Post("outstanding-payments")
+  @RequireAbility("notification:send")
+  @HttpCode(200)
+  async runOutstanding(
+    @Body() body: RunJobDto,
+    @Query() query: RunJobDto,
+    @Req() req: Request,
+  ) {
+    const flags = { ...query, ...body };
+    const result = await this.svc.runOutstandingPayments(flags);
+    void this.audit.log(actingId(req), "notification.outstanding.run", {
+      debug: !!flags.debug,
+      sent: result.sent,
+      skipped: result.skipped,
+      failed: result.failed,
+    });
+    return result;
+  }
+
+  @Post("payment-confirmation")
+  @RequireAbility("notification:send")
+  @HttpCode(200)
+  async runPaymentConfirm(
+    @Body() body: RunJobDto,
+    @Query() query: RunJobDto,
+    @Req() req: Request,
+  ) {
+    const flags = { ...query, ...body };
+    const result = await this.svc.runPaymentConfirmation(flags);
+    void this.audit.log(actingId(req), "notification.payment-confirm.run", {
+      debug: !!flags.debug,
+      sent: result.sent,
+      skipped: result.skipped,
+      failed: result.failed,
+    });
+    return result;
+  }
+
+  @Post("account-status")
+  @RequireAbility("notification:send")
+  @HttpCode(200)
+  async runAccountStatus(
+    @Body() body: RunJobDto,
+    @Query() query: RunJobDto,
+    @Req() req: Request,
+  ) {
+    const flags = { ...query, ...body };
+    const result = await this.svc.runAccountStatus(flags);
+    // Narrow the discriminated union to the ACCOUNT_STATUS variant before
+    // pulling red/yellow/total — TS can't follow this through `await` alone.
+    if (result.type === "ACCOUNT_STATUS") {
+      void this.audit.log(actingId(req), "notification.account-status.run", {
+        debug: !!flags.debug,
+        red: result.red,
+        yellow: result.yellow,
+        total: result.total,
+        sent: result.sent,
+        skipped: result.skipped,
+        failed: result.failed,
+      });
+    }
+    return result;
+  }
+
+  @Post("trust-payment-confirmation")
+  @RequireAbility("notification:send")
+  @HttpCode(200)
+  async runTrustConfirm(
+    @Body() body: RunJobDto,
+    @Query() query: RunJobDto,
+    @Req() req: Request,
+  ) {
+    const flags = { ...query, ...body };
+    const result = await this.svc.runTrustConfirmation(flags);
+    void this.audit.log(actingId(req), "notification.trust-confirm.run", {
+      debug: !!flags.debug,
+      sent: result.sent,
+      skipped: result.skipped,
+      failed: result.failed,
+    });
+    return result;
+  }
+
+  /**
+   * Run all four jobs sequentially with one set of flags. Audited as a
+   * single `notification.run-all.run` entry carrying the aggregate totals
+   * plus each job's outcome — the per-job endpoints are NOT re-audited, so
+   * the log has exactly one row per staff click.
+   */
+  @Post("run-all")
+  @RequireAbility("notification:send")
+  @HttpCode(200)
+  async runAll(
+    @Body() body: RunJobDto,
+    @Query() query: RunJobDto,
+    @Req() req: Request,
+  ) {
+    const flags = { ...query, ...body };
+    const result = await this.svc.runAll(flags);
+    void this.audit.log(actingId(req), "notification.run-all.run", {
+      debug: !!flags.debug,
+      ignoreDayRestriction: !!flags.ignoreDayRestriction,
+      useEmailLimit: !!flags.useEmailLimit,
+      sent: result.sent,
+      skipped: result.skipped,
+      failed: result.failed,
+      errors: result.errors,
+      jobs: result.jobs.map((j) => ({ kind: j.kind, ok: j.ok })),
+    });
+    return result;
+  }
+
+  /* ----------------------------------------------------------- read views */
+
+  @Get("log")
+  listLog(@Query() q: ListLogDto) {
+    const page = q.page ?? 1;
+    const pageSize = q.pageSize ?? 50;
+    return this.svc.listLog({
+      page,
+      pageSize,
+      type: q.type,
+      servicio: q.servicio,
+      status: this.mapViewStatus(q.view, q.status),
+      customerId: undefined,
+    });
+  }
+
+  @Get("stats")
+  stats(@Query() q: ListLogDto) {
+    return this.svc.stats(q.servicio);
+  }
+
+  /* -------------------------------------------------------------- settings */
+
+  /** Who receives the per-job summary email. Readable by any logged-in user
+   *  so the UI can show the current list; editing needs `setting:manage`. */
+  @Get("settings/admin-emails")
+  adminEmails() {
+    return this.settings.notificationAdminEmails();
+  }
+
+  @Put("settings/admin-emails")
+  @RequireAbility("setting:manage")
+  async setAdminEmails(@Body() dto: AdminEmailsDto, @Req() req: Request) {
+    const emails = dto.emails.map((e) => e.trim()).filter(Boolean);
+    const bad = invalidEmails(emails);
+    if (bad.length) {
+      throw new BadRequestException(
+        `Correo inválido: ${bad.join(", ")}`,
+      );
+    }
+    const result = await this.settings.setNotificationAdminEmails(
+      emails,
+      actingId(req),
+    );
+    void this.audit.log(actingId(req), "notification.settings.admin-emails", {
+      emails,
+    });
+    return result;
+  }
+
+  /* -------------------------------------------------------------- schedule */
+
+  /**
+   * Cadence of both automatic envíos. Readable by any logged-in user so the
+   * screen can show "próxima corrida" without needing edit rights; changing
+   * it needs `setting:manage`, same as the summary recipients.
+   */
+  @Get("settings/schedule")
+  schedules() {
+    return this.schedule.getAll();
+  }
+
+  @Put("settings/schedule/:kind")
+  @RequireAbility("setting:manage")
+  async setSchedule(
+    @Param("kind") kind: string,
+    @Body() dto: ScheduleDto,
+    @Req() req: Request,
+  ) {
+    if (!SCHEDULE_KINDS.includes(kind as ScheduleKind)) {
+      throw new BadRequestException(
+        `Horario desconocido: ${kind}. Use ${SCHEDULE_KINDS.join(" o ")}.`,
+      );
+    }
+    const parsed = parseSchedule({ ...dto, weekdays: dto.weekdays ?? [] });
+    if (!parsed.ok) throw new BadRequestException(parsed.error);
+
+    const result = await this.schedule.set(
+      kind as ScheduleKind,
+      parsed.value,
+      actingId(req),
+    );
+    void this.audit.log(actingId(req), "notification.settings.schedule", {
+      kind,
+      ...parsed.value,
+      cron: result.cron,
+    });
+    return result;
+  }
+
+  /** Resolve the UI's coarse view tabs to concrete statuses. An explicit
+   *  `status` wins. "Omitidos" covers both SKIPPED_* variants, which is why
+   *  this returns a list rather than a single value. */
+  private mapViewStatus(
+    view: ListLogDto["view"],
+    status: ListLogDto["status"],
+  ): EmailNotificationStatus[] | undefined {
+    if (status) return [status];
+    if (!view || view === "all") return undefined;
+    if (view === "sent") return [EmailNotificationStatus.SENT];
+    if (view === "failed") return [EmailNotificationStatus.FAILED];
+    if (view === "skipped") {
+      return [
+        EmailNotificationStatus.SKIPPED_NO_EMAIL,
+        EmailNotificationStatus.SKIPPED_GATE,
+      ];
+    }
+    return undefined;
+  }
+}

apps/api/src/notifications/notifications.module.ts

@@ -0,0 +1,22 @@
+import { Module } from "@nestjs/common";
+import { NotificationLogModule } from "./notification-log.module";
+import { NotificationScheduleModule } from "./notification-schedule.module";
+import { SettingsModule } from "../settings/settings.module";
+import { NotificationsController } from "./notifications.controller";
+import { NotificationsService } from "./notifications.service";
+
+/**
+ * Mass email notifications. MailModule is global (registered in AppModule),
+ * so this module needs no MailService import — it picks it up by injection.
+ *
+ * The automatic sweep is registered by `NotificationsService` against
+ * `NotificationScheduleService`, which owns the cadence for both halves of
+ * /notificaciones and stores it in `app_settings`.
+ */
+@Module({
+  imports: [NotificationLogModule, NotificationScheduleModule, SettingsModule],
+  controllers: [NotificationsController],
+  providers: [NotificationsService],
+  exports: [NotificationsService],
+})
+export class NotificationsModule {}

apps/api/src/notifications/render.spec.ts

@@ -0,0 +1,125 @@
+import {
+  renderAccountStatus,
+  renderOutstanding,
+  renderPaymentConfirm,
+  renderTrustConfirm,
+} from "./render";
+
+/**
+ * Render-level tests. The legacy PHP scripts fetched these bodies by URL;
+ * we render server-side and inline. The tests assert the *shape* of each
+ * body — account id, name, subject, balance/tipo, color band — because
+ * the customer base has been seeing these letters for years and a visual
+ * regression costs trust faster than any backend change does.
+ */
+
+describe("renderOutstanding", () => {
+  it("includes the customer id, name, total, and per-row table", () => {
+    const html = renderOutstanding({
+      customerId: "C-001",
+      customerName: "Acme & Co.",
+      total: "1234.50",
+      rows: [
+        {
+          date: "2026-07-01",
+          reference: "INV-1",
+          period: "Jul-26",
+          type: "CHECK",
+          amount: "-500.00",
+          balance: "-500.00",
+        },
+        {
+          date: "2026-07-15",
+          reference: "INV-2",
+          period: "Jul-26",
+          type: "CASH",
+          amount: "-734.50",
+          balance: "-1234.50",
+        },
+      ],
+      year: 2026,
+    });
+    expect(html).toContain("Acme & Co.");
+    expect(html).toContain("ACCOUNT #C-001");
+    expect(html).toContain("$ 1,234.50");
+    expect(html).toContain("INV-1");
+    expect(html).toContain("CHECK");
+    expect(html).toContain("IF YOU ALREADY SENT THE CHECK");
+  });
+
+  it("escapes HTML in the customer name", () => {
+    const html = renderOutstanding({
+      customerId: "x",
+      customerName: "<script>alert(1)</script>",
+      total: "0.00",
+      rows: [],
+      year: 2026,
+    });
+    expect(html).not.toContain("<script>alert(1)</script>");
+    expect(html).toContain("&lt;script&gt;alert(1)&lt;/script&gt;");
+  });
+});
+
+describe("renderPaymentConfirm", () => {
+  it("uses the transaction type in the heading and the amount in the body", () => {
+    const html = renderPaymentConfirm({
+      customerId: "C-002",
+      customerName: "Bob",
+      typeOfTrx: "CHECK DEPOSIT",
+      reference: "DEP-99",
+      amount: "500.00",
+      year: 2026,
+    });
+    expect(html).toContain("CHECK DEPOSIT CONFIRMATION");
+    expect(html).toContain("HI, Bob");
+    expect(html).toContain("REFER# DEP-99");
+    expect(html).toContain("$ 500.00");
+  });
+});
+
+describe("renderAccountStatus", () => {
+  it("uses the yellow band and the under-minimum phrasing for level=0", () => {
+    const html = renderAccountStatus({
+      customerId: "C-003",
+      customerName: "Carol",
+      level: 0,
+      balance: "10.00",
+      tipo: "40.00",
+      year: 2026,
+    });
+    expect(html).toContain("#88D5EE");
+    expect(html).toContain("under our minimum");
+    expect(html).toContain("Carol");
+    expect(html).toContain("$ 10.00");
+    expect(html).toContain("$ 40.00");
+  });
+
+  it("uses the red band and the rush phrasing for level=1", () => {
+    const html = renderAccountStatus({
+      customerId: "C-003",
+      customerName: "Carol",
+      level: 1,
+      balance: "-25.50",
+      tipo: "25.50",
+      year: 2026,
+    });
+    expect(html).toContain("#FF8D71");
+    expect(html).toContain("overdrawn");
+    expect(html).toContain("reactivate your payments");
+    expect(html).toContain("$ 25.50");
+  });
+});
+
+describe("renderTrustConfirm", () => {
+  it("labels the trust annual fee and quotes the amount", () => {
+    const html = renderTrustConfirm({
+      customerId: "C-004",
+      customerName: "Dan",
+      amount: "350.00",
+      year: 2026,
+    });
+    expect(html).toContain("Annual Bank Fee Payment Confirmation");
+    expect(html).toContain("$ 350.00");
+    expect(html).toContain("Most banks always request");
+  });
+});

apps/api/src/notifications/render.ts

@@ -0,0 +1,254 @@
+/**
+ * HTML body renderers for the four notification jobs. These are the modern
+ * in-process equivalent of the legacy `getXxxForEmail.php` files the PHP
+ * scripts `fetch()`ed by URL. Rendering server-side and inlining the body
+ * in the response keeps a single SES MessageId tied to one frozen HTML
+ * snapshot (vs. the legacy flow, where the URL kept re-rendering with
+ * whatever the database looked like at click time).
+ *
+ * The visual style mirrors the legacy PHP templates where it makes sense
+ * (the office's customer base has been seeing these letters for years;
+ * gratuitous redesign costs trust). The body shell, table layout and the
+ * canonical contact block are preserved verbatim. English copy because the
+ * legacy letters were English; switching to Spanish is a future decision
+ * (see INSURANCE_FEATURES_SPEC §1.6 "Spanish or English body?").
+ */
+
+const HEAD = `<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
+<html xmlns="http://www.w3.org/1999/xhtml">
+<head>
+<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
+<title>{title}</title>
+</head>`;
+
+const FOOT_CONTACT = `<p>If you have any questions regarding this notice please contact us at:
+Tel. 011 52 (661) 612 - 1295 &nbsp; Fax. (661) 612 - 1285 &nbsp;
+For any type of a 24 Hrs. emergencies: please dial 52 (664) 304 - 7778 |
+<a href="mailto:jorge@jorgecuadros.com">jorge@jorgecuadros.com</a> |
+<a href="https://www.jorgecuadros.com/contactus.php">Contact Us Form</a></p>`;
+
+const SIGNED = (year: number) => `<center><span class="small">This message has been generated by the Jorge Cuadros &amp; Assoc. Information Server.<br />Copyright ${year}&nbsp;<a href="http://www.freakma.net/">Developed by FreaKmA.Net</a></span></center>`;
+
+const esc = (s: string | null | undefined): string =>
+  String(s ?? "")
+    .replace(/&/g, "&amp;")
+    .replace(/</g, "&lt;")
+    .replace(/>/g, "&gt;")
+    .replace(/"/g, "&quot;");
+
+const usd = (n: number | string | null | undefined): string => {
+  if (n === null || n === undefined) return "$ 0.00";
+  const v = typeof n === "string" ? Number(n) : n;
+  if (!isFinite(v)) return "$ 0.00";
+  return `$ ${v.toLocaleString("en-US", {
+    minimumFractionDigits: 2,
+    maximumFractionDigits: 2,
+  })}`;
+};
+
+/** Shared shell: a 2-column table that matches the PHP output layout. */
+function shell(opts: {
+  title: string;
+  bg: string;
+  heading: string;
+  accountId: string | number;
+  accountName: string;
+  body: string;
+  note?: string;
+  statementLink?: string;
+  year: number;
+}): string {
+  const { title, bg, heading, accountId, accountName, body, note, statementLink, year } = opts;
+  const stmt = statementLink ?? "https://my.jorgecuadros.com/";
+  return `${HEAD.replace("{title}", esc(title))}
+<body style="background-color:${bg};color:#333;font-family:'Courier New', Courier, monospace;">
+<table width="100%" border="0" cellspacing="0" cellpadding="0">
+  <tr>
+    <td width="43%" style="font-size:20px;font-weight:bold;">${esc(heading)}</td>
+    <td width="57%" style="font-size:12px;">Please do not reply to this message. For any Jorge Cuadros &amp; Assoc. customer service inquiries, visit: <a href="https://www.jorgecuadros.com/contactus.php">Customer Support</a></td>
+  </tr>
+  <tr>
+    <td><strong>${esc(accountName)}<br />ACCOUNT #${esc(String(accountId))}</strong></td>
+    <td><div align="center"><a href="${esc(stmt)}" target="_blank" style="color:#006699;font-weight:bold">Click Here to View Your Account Statement</a></div></td>
+  </tr>
+  <tr><td colspan="2">&nbsp;</td></tr>
+  <tr><td colspan="2">${body}</td></tr>
+  <tr><td colspan="2">&nbsp;</td></tr>
+  ${
+    note
+      ? `<tr><td colspan="2"><h4>${esc(note)}</h4>${FOOT_CONTACT}</td></tr>`
+      : `<tr><td colspan="2">${FOOT_CONTACT}</td></tr>`
+  }
+  <tr><td colspan="2">&nbsp;</td></tr>
+  <tr><td colspan="2">${SIGNED(year)}</td></tr>
+</table>
+</body>
+</html>`;
+}
+
+/* -------------------------------------------------------------------------- */
+/*  Outstanding payments — Job 1                                               */
+/* -------------------------------------------------------------------------- */
+
+export interface OutstandingRow {
+  date: Date | string;
+  reference: string | null;
+  period: string | null;
+  type: string | null;
+  /** Signed amount (negative for charges). */
+  amount: number | string;
+  /** Running balance in the customer's currency, after this row. */
+  balance: number | string;
+}
+
+export function renderOutstanding(args: {
+  customerId: string;
+  customerName: string;
+  total: number | string;
+  rows: OutstandingRow[];
+  year: number;
+}): string {
+  const rows = args.rows
+    .map(
+      (r) => `<tr>
+    <td>${esc(String(r.date))}</td>
+    <td>${esc(r.reference ?? "")}</td>
+    <td>${esc(r.period ?? "")}</td>
+    <td>${esc(r.type ?? "")}</td>
+    <td align="right">${esc(usd(r.amount))}</td>
+    <td align="right">${esc(usd(r.balance))}</td>
+  </tr>`,
+    )
+    .join("\n");
+
+  const body = `<p>This needs your prompt attention in order to avoid any disruption(s):</p>
+<p align="center"><strong><font color="#FF0000">TOTAL OF OUTSTANDING BILLS: ${esc(
+    usd(args.total),
+  )} PESOS.</font></strong></p>
+<table width="100%" border="0" cellpadding="0" cellspacing="0">
+  <tr><th>DATE</th><th>REFER</th><th>PERIOD</th><th>TYPEOFTRX</th><th>CHARGECREDIT</th><th>BALANCE</th></tr>
+  ${rows}
+</table>`;
+
+  return shell({
+    title: "Outstanding Payments",
+    bg: "#9CC",
+    heading: "Outstanding Payments",
+    accountId: args.customerId,
+    accountName: args.customerName,
+    body,
+    note: "NOTE : IF YOU ALREADY SENT THE CHECK, PLEASE DISREGARD THIS EMAIL",
+    year: args.year,
+  });
+}
+
+/* -------------------------------------------------------------------------- */
+/*  Payment confirmation — Job 2                                              */
+/* -------------------------------------------------------------------------- */
+
+export function renderPaymentConfirm(args: {
+  customerId: string;
+  customerName: string;
+  typeOfTrx: string;
+  reference: string | null;
+  /** The deposited amount (positive number — credits are positive in the
+   *  unified ledger). */
+  amount: number | string;
+  year: number;
+}): string {
+  const body = `<table width="100%" border="0" cellspacing="0" cellpadding="0">
+  <tr>
+    <td width="48%" style="font-size:20px;font-weight:bold;">${esc(
+      args.typeOfTrx,
+    )} CONFIRMATION</td>
+    <td width="52%" style="font-size:12px;">Please do not reply to this message. For any Jorge Cuadros &amp; Assoc. customer service inquiries, visit: <a href="https://www.jorgecuadros.com/contactus.php" target="_blank">Customer Support</a></td>
+  </tr>
+  <tr>
+    <td>
+      <strong>HI, ${esc(args.customerName)}</strong><br/>
+      <strong>ACCOUNT #${esc(args.customerId)}</strong><br/>
+      <strong>REFER# ${esc(args.reference ?? "")}</strong>
+    </td>
+    <td>
+      <div align="center" style="padding:20px;">
+        <a href="https://my.jorgecuadros.com/" target="_blank" style="color:#006699;font-weight:bold"><em>Click Here to View Your Account Statement</em></a>
+      </div>
+    </td>
+  </tr>
+  <tr><td colspan="2">&nbsp;</td></tr>
+  <tr><td colspan="2">
+    <p>Your account is now current to keep paying your future obligations. If for any reason your next bill is more than what's available; our system will email you our automatic alert requesting more funds. Thank You,</p>
+    <p align="center" style="color:#006600;font-weight:bold;">Your deposit was for ${esc(
+      usd(args.amount),
+    )} PESOS.</p>
+  </td></tr>
+  <tr><td colspan="2">&nbsp;</td></tr>
+  <tr><td colspan="2"><h4>NOTE : IF YOU ALREADY SENT THE CHECK, PLEASE DISREGARD THIS EMAIL</h4>${FOOT_CONTACT}</td></tr>
+  <tr><td colspan="2">&nbsp;</td></tr>
+  <tr><td colspan="2">${SIGNED(args.year)}</td></tr>
+</table>`;
+  return `${HEAD.replace("{title}", "Payment Confirmation")}<body>${body}</body></html>`;
+}
+
+/* -------------------------------------------------------------------------- */
+/*  Account status — Job 3 (yellow + red)                                    */
+/* -------------------------------------------------------------------------- */
+
+export function renderAccountStatus(args: {
+  customerId: string;
+  customerName: string;
+  level: 0 | 1; // 0 = yellow (DEBAJO DEL TIPO), 1 = red (EN ROJO)
+  balance: number | string;
+  /** Amount the customer needs to deposit to clear the threshold. */
+  tipo: number | string;
+  year: number;
+}): string {
+  const isYellow = args.level === 0;
+  const body = isYellow
+    ? `<p>In order to avoid any disruptions please mail or bring ${esc(
+        usd(args.tipo),
+      )} USD ASAP. As your current Balance ${esc(
+        usd(args.balance),
+      )} is under our minimum required to run this account.</p>`
+    : `<p>Sorry Account is overdrawn and all utility bills are on hold please rush ${esc(
+        usd(args.tipo),
+      )} USD these funds must be on hand ASAP to reactivate your payments.</p>`;
+  return shell({
+    title: "Account Alert",
+    bg: isYellow ? "#88D5EE" : "#FF8D71",
+    heading: "Account Alert",
+    accountId: args.customerId,
+    accountName: args.customerName,
+    body,
+    note: "NOTE : PLEASE MAKE YOUR CHECK PAYABLE TO UMC AND ASSOCIATES. IF YOU ALREADY SENT THE CHECK, PLEASE DISREGARD THIS EMAIL.",
+    year: args.year,
+  });
+}
+
+/* -------------------------------------------------------------------------- */
+/*  Trust payment confirmation — Job 4                                       */
+/* -------------------------------------------------------------------------- */
+
+export function renderTrustConfirm(args: {
+  customerId: string;
+  customerName: string;
+  /** Annual fee amount posted (positive, in MXN per the PHP). */
+  amount: number | string;
+  year: number;
+}): string {
+  const body = `<p>This automatic notice is to confirm, that your Annual Bank Fee has been paid by, and posted in your account. Thank You,</p>
+<p align="center"><strong>The annual fee was posted for the amount of <font color="#FF0000">${esc(
+    usd(args.amount),
+  )} PESOS.</font></strong></p>`;
+  return shell({
+    title: "Trust Payment Confirmation",
+    bg: "#C0BEA0",
+    heading: "Annual Bank Fee Payment Confirmation",
+    accountId: args.customerId,
+    accountName: args.customerName,
+    body,
+    note: "NOTE : Most banks always request to make such payment in advance.",
+    statementLink: "https://my.jorgecuadros.com/",
+    year: args.year,
+  });
+}

apps/api/src/ocr/ocr.module.ts

@@ -0,0 +1,18 @@
+import { Module } from "@nestjs/common";
+import { OCR_PROVIDER } from "../statements/ocr/ocr.provider";
+import { TesseractOcrProvider } from "../statements/ocr/tesseract.provider";
+
+/**
+ * Lifts the OCR seam out of StatementsModule so other modules (today:
+ * PolicyOcrModule) can inject OCR_PROVIDER without taking on the rest of
+ * the statement intake. StatementsModule itself imports this and gets the
+ * provider the same way.
+ *
+ * The concrete engine is still bound here — Tesseract today, a managed
+ * extraction API later is a one-line change in this file.
+ */
+@Module({
+  providers: [{ provide: OCR_PROVIDER, useClass: TesseractOcrProvider }],
+  exports: [OCR_PROVIDER],
+})
+export class OcrModule {}

apps/api/src/ops/ops.controller.ts

@@ -44,7 +44,7 @@ export class OpsController {
 
   @Post("ingest/:name")
   @UseInterceptors(
-    FileInterceptor("file", { limits: { fileSize: 500 * 1024 * 1024 } }),
+    FileInterceptor("file", { limits: { fileSize: 2 * 1024 * 1024 * 1024 } }),
   )
   async uploadIngest(
     @Param("name") name: string,

apps/api/src/ops/ops.service.ts

@@ -31,6 +31,14 @@ export const INGEST_FILES = [
 ] as const;
 export type IngestName = (typeof INGEST_FILES)[number];
 
+/**
+ * Prefix for every command containing a pipe. Without it the exit status of
+ * `mysqldump | gzip` is gzip's, so a dump that failed immediately still looks
+ * like a successful job. Both Alpine's busybox ash (the API image) and macOS
+ * `sh` (dev) support it; POSIX does not require it, so `sh -c` is the contract.
+ */
+const PIPEFAIL = "set -o pipefail; ";
+
 interface MysqlConn {
   host: string;
   port: string;
@@ -43,8 +51,11 @@ interface MysqlConn {
 export class OpsService implements OnModuleInit {
   private readonly logger = new Logger(OpsService.name);
 
+  // Resolve from this source file so it works regardless of process.cwd()
+  // (the API runs from apps/api/, but the Python ETL lives at repo-root migration/).
   private readonly migrationDir =
-    process.env.MIGRATION_DIR ?? path.resolve(process.cwd(), "migration");
+    process.env.MIGRATION_DIR ??
+    path.resolve(__dirname, "..", "..", "..", "..", "migration");
   private readonly ingestDir =
     process.env.INGEST_DIR ?? path.join(this.migrationDir, "ingest");
   private readonly backupDir =
@@ -172,7 +183,7 @@ export class OpsService implements OnModuleInit {
       );
     }
 
-    const conn = this.parseDbUrl();
+    const conn = this.opsConn();
     const { cmd, resolvedParams } = await this.buildCommand(kind, params, conn);
 
     const job = await this.prisma.opsJob.create({
@@ -204,6 +215,37 @@ export class OpsService implements OnModuleInit {
     };
   }
 
+  /**
+   * The credentials mysqldump/mysql run as — deliberately NOT the application
+   * user. `--single-transaction` issues FLUSH TABLES, which needs the global
+   * RELOAD privilege, and the app user is granted only `ALL ON jorgecuadros.*`
+   * plus `USAGE ON *.*`; `--skip-lock-tables` does not avoid it. A restore of a
+   * dump taken before --set-gtid-purged=OFF likewise needs SUPER to replay its
+   * SET @@GLOBAL.GTID_PURGED. So an admin credential is supplied out of band
+   * rather than elevating the runtime user for the sake of one admin screen —
+   * the same choice deploy/scripts/pre-migrate-backup.mjs makes.
+   *
+   * Host, port and database always come from DATABASE_URL: the ops user is a
+   * different login on the SAME server, never a way to point at another one.
+   *
+   * With the vars unset this falls back to the DATABASE_URL credentials, which
+   * is what local development wants — a dev MySQL grants the app user far more.
+   */
+  private opsConn(): MysqlConn {
+    const conn = this.parseDbUrl();
+    const user = process.env.OPS_DB_ADMIN_USER;
+    const password = process.env.OPS_DB_ADMIN_PASSWORD;
+    if (!user || !password) {
+      this.logger.warn(
+        "OPS_DB_ADMIN_USER/OPS_DB_ADMIN_PASSWORD no configuradas; " +
+          `usando el usuario de la aplicación (${conn.user}) para mysqldump. ` +
+          "En producción esto falla por falta del privilegio RELOAD.",
+      );
+      return conn;
+    }
+    return { ...conn, user, password };
+  }
+
   /** mysql/mysqldump connection flags. The password goes through MYSQL_PWD in
    *  the child env, never on the command line (which would leak via `ps`). */
   private connFlags(c: MysqlConn): string {
@@ -214,6 +256,58 @@ export class OpsService implements OnModuleInit {
     return new Date().toISOString().replace(/[:.]/g, "-").replace("T", "_").slice(0, 19);
   }
 
+  /**
+   * One hardened mysqldump, shared by BACKUP and by the safety backups SYNC and
+   * REIMPORT take first. Kept byte-for-byte in spirit with the dump in
+   * deploy/scripts/pre-migrate-backup.mjs — the two write into the same volume
+   * and both are listed as restore points by this same screen.
+   *
+   * The dumper is probed at runtime rather than assumed. This command runs
+   * inside the API image, whose `mysql-client` is Alpine's — i.e. MariaDB's —
+   * where `mysqldump` is a deprecation-warning shim over `mariadb-dump` that
+   * rejects --set-gtid-purged outright:
+   *   mysqldump: unknown variable 'set-gtid-purged=OFF'
+   * which failed every backup, including the safety backups SYNC and REIMPORT
+   * take first. MariaDB's dumper emits no GTID state unless asked (--gtid), so
+   * there is nothing to suppress there; the flag is passed only when the dumper
+   * on PATH advertises it, and the real binary is called directly only in the
+   * MariaDB case (calling `mariadb-dump` whenever it merely exists would pick
+   * it over a MySQL `mysqldump` earlier in PATH on a host carrying both).
+   *
+   * The probe is a command substitution, not `--help | grep -q`: PIPEFAIL is in
+   * effect and grep closing the pipe early would make a supported flag look
+   * unsupported.
+   *
+   * --set-gtid-purged=OFF (MySQL only): the production server is the
+   * replication SOURCE with GTID on, so without it every dump embeds
+   * SET @@GLOBAL.GTID_PURGED and is unrestorable onto the very server it came
+   * from.
+   *
+   * The table-count assertion is not belt-and-braces: `gzip -t` passes on the
+   * ~372-byte output of a mysqldump that died on its first statement, so a
+   * failed dump would otherwise be recorded as a successful backup. (`set -o
+   * pipefail` is set by the caller for the same reason — without it the exit
+   * status of the pipeline is gzip's, and gzip succeeded.)
+   *
+   * A failed attempt deletes its own output, so a truncated file never appears
+   * in the restore list looking like an ordinary restore point.
+   */
+  private dumpCommand(flags: string, db: string, out: string): string {
+    return (
+      `DUMP=mysqldump; GTID=; ` +
+      `case "$(mysqldump --help 2>/dev/null || true)" in ` +
+      `*set-gtid-purged*) GTID=--set-gtid-purged=OFF;; ` +
+      `*) command -v mariadb-dump >/dev/null 2>&1 && DUMP=mariadb-dump;; esac; ` +
+      `( $DUMP ${flags} --single-transaction --routines --triggers ` +
+      `--no-tablespaces $GTID ${db} | gzip -c > ${out} && ` +
+      `gzip -t ${out} && ` +
+      `TABLAS=$(gunzip -c ${out} | grep -c 'CREATE TABLE') && ` +
+      `echo "tablas capturadas: $TABLAS" && ` +
+      `[ "$TABLAS" -ge 1 ] ) || ` +
+      `{ rm -f ${out}; echo 'respaldo incompleto eliminado'; exit 1; }`
+    );
+  }
+
   private async buildCommand(
     kind: OpsJobKind,
     params: Record<string, unknown>,
@@ -226,7 +320,7 @@ export class OpsService implements OnModuleInit {
       const file = `backup-${this.migrationEnv}-${this.timestamp()}.sql.gz`;
       const out = shq(path.join(this.backupDir, file));
       return {
-        cmd: `mysqldump ${flags} --single-transaction --routines --triggers --no-tablespaces ${db} | gzip -c > ${out}`,
+        cmd: `${PIPEFAIL}${this.dumpCommand(flags, db, out)}`,
         resolvedParams: { file },
       };
     }
@@ -238,7 +332,10 @@ export class OpsService implements OnModuleInit {
         throw new NotFoundException(`Respaldo no encontrado: ${name}`);
       });
       return {
-        cmd: `gunzip -c ${shq(full)} | mysql ${flags} ${db}`,
+        // pipefail matters here too: a corrupt archive makes gunzip fail while
+        // mysql, fed a truncated stream, can still exit 0 — a restore that
+        // reported success having replayed only part of the dump.
+        cmd: `${PIPEFAIL}gunzip -c ${shq(full)} | mysql ${flags} ${db}`,
         resolvedParams: { file: name },
       };
     }
@@ -249,8 +346,8 @@ export class OpsService implements OnModuleInit {
       const py = await this.pythonBin();
       const runAll = shq(path.join(this.migrationDir, "run_all.py"));
       const cmd =
-        `echo '== Respaldo de seguridad previo ==' && ` +
-        `mysqldump ${flags} --single-transaction --routines --triggers --no-tablespaces ${db} | gzip -c > ${out} && ` +
+        `${PIPEFAIL}echo '== Respaldo de seguridad previo ==' && ` +
+        `${this.dumpCommand(flags, db, out)} && ` +
         `echo '== Sincronización aditiva desde carpeta de ingesta ==' && ` +
         `${shq(py)} ${runAll} --env ${shq(this.migrationEnv)} --sync`;
       return { cmd, resolvedParams: { safetyBackup: file } };
@@ -263,8 +360,8 @@ export class OpsService implements OnModuleInit {
       const py = await this.pythonBin();
       const runAll = shq(path.join(this.migrationDir, "run_all.py"));
       const cmd =
-        `echo '== Respaldo de seguridad previo ==' && ` +
-        `mysqldump ${flags} --single-transaction --routines --triggers --no-tablespaces ${db} | gzip -c > ${out} && ` +
+        `${PIPEFAIL}echo '== Respaldo de seguridad previo ==' && ` +
+        `${this.dumpCommand(flags, db, out)} && ` +
         `echo '== Reimportación desde carpeta de ingesta ==' && ` +
         `${shq(py)} ${runAll} --env ${shq(this.migrationEnv)} --stage`;
       return { cmd, resolvedParams: { safetyBackup: file } };
@@ -284,6 +381,15 @@ export class OpsService implements OnModuleInit {
     }
   }
 
+  /**
+   * `password` is the ops credential from opsConn(), exported as MYSQL_PWD so it
+   * never reaches argv (which `ps` exposes to every process on the host).
+   *
+   * It does not leak into the Python ETL that SYNC and REIMPORT go on to run:
+   * migration/dbenv.py connects with pymysql using the credentials inside
+   * DATABASE_URL and never consults MYSQL_PWD. The ETL keeps running as the
+   * application user, which is what it should be doing.
+   */
   private run(jobId: string, cmd: string, password: string): void {
     const child = spawn("sh", ["-c", cmd], {
       cwd: this.migrationDir,

apps/api/src/policies/policies.controller.ts

@@ -8,9 +8,15 @@ import {
   Post,
   Query,
   Req,
+  Res,
+  StreamableFile,
+  UploadedFile,
   UseGuards,
+  UseInterceptors,
 } from "@nestjs/common";
-import { Request } from "express";
+import { FileInterceptor } from "@nestjs/platform-express";
+import { Request, Response } from "express";
+import { downloadName, type UploadedFileLike } from "../storage/upload-file";
 import { AuthenticatedGuard } from "../auth/authenticated.guard";
 import { AbilityGuard } from "../auth/ability.guard";
 import { RequireAbility } from "../auth/require-ability.decorator";
@@ -240,4 +246,40 @@ export class PoliciesController {
   removeClaim(@Param("id") id: string, @Param("childId") childId: string) {
     return this.policies.removeClaim(id, childId);
   }
+
+  // --- documents ------------------------------------------------------------
+
+  @Post(":id/documents")
+  @RequireAbility("policy:update")
+  @UseInterceptors(
+    FileInterceptor("file", { limits: { fileSize: 50 * 1024 * 1024 } }),
+  )
+  addDocument(
+    @Param("id") id: string,
+    @UploadedFile() file: UploadedFileLike | undefined,
+    @Query("type") type: string | undefined,
+  ) {
+    if (!file) throw new Error("No se recibió ningún archivo.");
+    return this.policies.addDocument(id, file, type);
+  }
+
+  @Get(":id/documents/:childId/download")
+  async downloadDocument(
+    @Param("id") id: string,
+    @Param("childId") childId: string,
+    @Res({ passthrough: true }) res: Response,
+  ): Promise<StreamableFile> {
+    const { row, stream, contentType } = await this.policies.getDocument(id, childId);
+    res.set({
+      "Content-Type": contentType ?? "application/octet-stream",
+      "Content-Disposition": `attachment; filename="${downloadName(row.storageKey, row.documentType)}"`,
+    });
+    return new StreamableFile(stream);
+  }
+
+  @Delete(":id/documents/:childId")
+  @RequireAbility("policy:update")
+  removeDocument(@Param("id") id: string, @Param("childId") childId: string) {
+    return this.policies.removeDocument(id, childId);
+  }
 }

apps/api/src/policies/policies.service.ts

@@ -1,6 +1,9 @@
 import { Injectable, NotFoundException } from "@nestjs/common";
+import { randomUUID } from "node:crypto";
 import { Prisma } from "@jorgecuadros/database";
 import { PrismaService } from "../prisma/prisma.service";
+import { StorageService } from "../storage/storage.service";
+import { extForUpload, type UploadedFileLike } from "../storage/upload-file";
 import { toDate } from "../common/coerce";
 import { CreatePolicyDto, UpdatePolicyDto } from "./policy.dto";
 import {
@@ -77,7 +80,10 @@ function daysUntil(policyTo: Date | null, from: Date): number | null {
 
 @Injectable()
 export class PoliciesService {
-  constructor(private readonly prisma: PrismaService) {}
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly storage: StorageService,
+  ) {}
 
   private statusWhere(
     status: PolicyStatus | undefined,
@@ -352,6 +358,7 @@ export class PoliciesService {
     return this.prisma.policy.update({ where: { id }, data: { archivedAt: null } });
   }
 
+
   private async ensurePolicy(id: string) {
     const found = await this.prisma.policy.findUnique({
       where: { id },
@@ -479,6 +486,47 @@ export class PoliciesService {
     };
   }
 
+  // --- documents ------------------------------------------------------------
+  // Blob in object storage under `policy/<policyId>/…`; row is the pointer.
+
+  async addDocument(
+    policyId: string,
+    file: UploadedFileLike,
+    documentType?: string,
+  ) {
+    await this.ensurePolicy(policyId);
+    const key = `policy/${policyId}/${randomUUID()}${extForUpload(file)}`;
+    await this.storage.put(key, file.buffer, file.mimetype);
+    return this.prisma.policyDocument.create({
+      data: {
+        policyId,
+        documentType: documentType?.trim() || "DOCUMENT",
+        storageKey: key,
+      },
+    });
+  }
+
+  async getDocument(policyId: string, id: string) {
+    const row = await this.prisma.policyDocument.findFirst({
+      where: { id, policyId },
+    });
+    if (!row) throw new NotFoundException(`Document ${id} not found on policy ${policyId}`);
+    const blob = await this.storage.getStream(row.storageKey);
+    return { row, ...blob };
+  }
+
+  async removeDocument(policyId: string, id: string) {
+    await this.ensurePolicy(policyId);
+    const row = await this.prisma.policyDocument.findFirst({
+      where: { id, policyId },
+      select: { id: true, storageKey: true },
+    });
+    if (!row) throw new NotFoundException(`Document ${id} not found on policy ${policyId}`);
+    const deleted = await this.prisma.policyDocument.delete({ where: { id } });
+    await this.storage.delete(row.storageKey);
+    return deleted;
+  }
+
   // --- lookups (providers / policy types / adjusters) -----------------------
 
   listLookups() {

apps/api/src/policy-ocr/parsers/policy-parser.spec.ts

@@ -0,0 +1,147 @@
+import type { OcrPage } from "../../statements/ocr/ocr.provider";
+import {
+  detectPolicyProvider,
+  parsePolicy,
+  type ParsedCoverage,
+} from "./policy-parser";
+
+/**
+ * Verbatim excerpts of what the GMX portal's translation PDF actually
+ * rendered through pdftotext — same convention as the statement parser
+ * tests, where invented-clean input would test nothing because clean input
+ * is not the failure mode.
+ */
+function page(text: string): OcrPage {
+  return { text, words: [], confidence: 0.95 };
+}
+
+describe("detectPolicyProvider", () => {
+  it("claims GMX from the brand wordmark on the letterhead", () => {
+    expect(
+      detectPolicyProvider(
+        "Grupo Mexicano de Seguros, S.A. de C.V.\nTecoyotitla 412, Edificio GMX",
+      ),
+    ).toBe("GMX");
+  });
+
+  it("claims GMX from the 'gmx.com.mx' footer URL", () => {
+    expect(detectPolicyProvider("JUNTOS EL RIESGO ES MENOR\nwww.gmx.com.mx")).toBe("GMX");
+  });
+});
+
+describe("parsePolicy / GMX", () => {
+  // Verbatim text extracted from ~/Downloads/HC_Folio_000767_Traduccion.pdf via
+  // `pdftotext -layout`. Two pages joined by "\n\n".
+  const GMX_FULL = page(
+    "Multiple Policy\nHome\n" +
+      "Policy 007-037-07005947-0000-02 in accordance with the enclosed clauses, to insurance:\n" +
+      "Insured JON ASHLEY STRABALA\n" +
+      "Additional insured VIVIAN\n" +
+      "Legal address BONAMPACK No. EXT26 No.INT 0 COL. Punta Bandera, Tijuana, Baja California, C.P. 22550\n" +
+      "ZIP 22550 Income Tax No. XEXX-010101-000\n" +
+      "Broker (1176) Jorge Humberto Cuadros\n" +
+      "Term 12 months\n" +
+      "From 19/07/2026\n" +
+      "To 19/07/2027 at twelve hours (noon) Mexico City time.\n" +
+      "Currency DOLARES Premium payment CONTADO\n" +
+      "Free translation from the Spanish Insurance contract. The English text is just copy given by courtesy. In case of a dispute, the Spanish will prevail over the English version.\n" +
+      "Agreed clauses:\n" +
+      "•The insured and GMX Hereby declared...\n" +
+      "From the above, the present contract shall not be considered under the condition mentioned within article 36-B from the Insurance Companies General Law. Therefore it shall not be required its registration before the Comision National de Seguros y Fianzas.\n" +
+      "July 23, 2026\n" +
+      "Authority sign.\n" +
+      "Grupo Mexicano de Seguros, S.A. de C.V.\n" +
+      "Tecoyotitla 412, Edificio GMX\n" +
+      "JUNTOS EL RIESGO ES MENOR\n" +
+      "www.gmx.com.mx\n\n" +
+      "Risk Insured Amount Deductible Loss Participation\n" +
+      "Building $350,000.00 Not applies Not applies\n" +
+      "Contents $60,000.00 Not applies Not applies\n" +
+      "ADDITIONAL RISK\n" +
+      "Risk Insured Amount Deductible Loss Participation\n" +
+      "Debris removal Building $35,000.00 Not applies Not applies\n" +
+      "Debris removal Contents $6,000.00 Not applies Not applies\n" +
+      "Outdoors Constructions $10,000.00 5% 10%\n" +
+      "Coverage Extention Covered Not applies Not applies\n" +
+      "All Risk Covered Not applies Not applies\n" +
+      "Earthquake and/or volcanic eruption Covered 2% of the sum insured for each damage structure 20%\n" +
+      "Extra Expenses $41,000.00 Not applies Not applies\n" +
+      "Robbery with violence $10,000.00 Not applies Not applies\n" +
+      "Jewerly $3,900.00 Not applies Not applies\n" +
+      "Electronic Equipment $10,000.00 Not applies Not applies\n" +
+      "Glasses $10,000.00 Not applies Not applies\n" +
+      "Tenant $200,000.00 Not applies Not applies\n" +
+      "Family $200,000.00 Not applies Not applies\n" +
+      "Family $200,000.00 Not applies Not applies\n" +
+      "Domestic workers $7,010.00 Not applies Not applies\n" +
+      "VALUES ADDED, HOME GMX",
+  );
+
+  it("extracts the policy number, insured name, broker, dates, and currency", () => {
+    const p = parsePolicy(GMX_FULL);
+    expect(p.provider).toBe("GMX");
+    expect(p.policyNumber).toBe("007-037-07005947-0000-02");
+    expect(p.insuredName).toBe("JON ASHLEY STRABALA");
+    expect(p.additionalInsured).toBe("VIVIAN");
+    expect(p.agentName).toBe("Jorge Humberto Cuadros");
+    expect(p.policyFrom?.toISOString().slice(0, 10)).toBe("2026-07-19");
+    expect(p.policyTo?.toISOString().slice(0, 10)).toBe("2027-07-19");
+    expect(p.policyDate?.toISOString().slice(0, 10)).toBe("2026-07-23");
+    expect(p.currency).toBe("USD");
+    expect(p.zip).toBe("22550");
+    expect(p.legalAddress).toContain("BONAMPACK");
+    expect(p.premiumPayment).toBe("CONTADO");
+  });
+
+  it("extracts every coverage row off the second page table", () => {
+    const p = parsePolicy(GMX_FULL);
+    const byName = Object.fromEntries(p.coverages.map((c) => [c.risk, c]));
+    expect(byName.Building?.insuredAmount).toBe(350000);
+    expect(byName.Contents?.insuredAmount).toBe(60000);
+    expect(byName["Debris removal Building"]?.insuredAmount).toBe(35000);
+    expect(byName["Outdoors Constructions"]?.insuredAmount).toBe(10000);
+    expect(byName["Outdoors Constructions"]?.deductible).toBe("5%");
+    expect(byName["Outdoors Constructions"]?.lossParticipation).toBe("10%");
+    // Free-text coverage cells kept verbatim (the policy form surfaces them
+    // as observations, not as numbers).
+    expect(byName["Earthquake and/or volcanic eruption"]?.insuredAmount).toBeNull();
+    expect(byName["Earthquake and/or volcanic eruption"]?.deductible).toContain("2%");
+    expect(byName["Earthquake and/or volcanic eruption"]?.lossParticipation).toBe("20%");
+    expect(byName["All Risk"]?.insuredAmount).toBeNull();
+    expect(p.coverages.length).toBeGreaterThan(10);
+  });
+
+  it("leaves premium fields null on the certificate page and notes it", () => {
+    const p = parsePolicy(GMX_FULL);
+    expect(p.netPremium).toBeNull();
+    expect(p.total).toBeNull();
+    expect(p.policyFee).toBeNull();
+    expect(p.notes.join(" ")).toMatch(/prima/i);
+  });
+
+  it("still parses when the broker parens are missing", () => {
+    const p = parsePolicy(
+      page(
+        "Insured JON ASHLEY STRABALA\nBroker Jorge Humberto Cuadros\n" +
+          "From 19/07/2026\nTo 19/07/2027\nCurrency DOLARES\n" +
+          "Grupo Mexicano de Seguros",
+      ),
+    );
+    expect(p.agentName).toBe("Jorge Humberto Cuadros");
+  });
+
+  it("rejects a page that carries no GMX signal at all", () => {
+    const p = parsePolicy(page("Random unrelated document with no policy data."));
+    expect(p.provider).toBe("");
+    expect(p.notes.join(" ")).toContain("no se reconoció el proveedor");
+  });
+
+  it("captures the deductible / loss-participation columns verbatim as strings", () => {
+    const p = parsePolicy(GMX_FULL);
+    const eq = p.coverages.find((c) => c.risk === "Earthquake and/or volcanic eruption");
+    expect(eq).toBeDefined();
+    const eqTyped = eq as ParsedCoverage;
+    expect(eqTyped.deductible).toContain("sum insured");
+    expect(eqTyped.lossParticipation).toBe("20%");
+  });
+});

apps/api/src/policy-ocr/parsers/policy-parser.ts

@@ -0,0 +1,422 @@
+import type { OcrPage } from "../../statements/ocr/ocr.provider";
+
+/**
+ * What one parsed policy page yields. All fields are nullable because each
+ * provider prints a different subset (GMX's certificate has no premium
+ * breakdown, only insured amounts; GMX's receipt page would carry the
+ * premium), and the matcher + the review queue both work better with
+ * "field was read" vs "field was not" rather than guessing.
+ */
+export interface ParsedPolicy {
+  /** "GMX" today; the dispatcher lives on `detectProvider`. */
+  provider: string;
+  policyNumber: string | null;
+  insuredName: string | null;
+  additionalInsured: string | null;
+  /** The "Broker" line on GMX — mapped onto `Policy.agentName`. */
+  agentName: string | null;
+  legalAddress: string | null;
+  zip: string | null;
+  policyFrom: Date | null;
+  policyTo: Date | null;
+  /** Signature/issue date — `Policy.policyDate`. */
+  policyDate: Date | null;
+  /** "MXN" | "USD" | …, derived from the printed currency word. */
+  currency: string | null;
+  netPremium: number | null;
+  policyFee: number | null;
+  brokerFee: number | null;
+  total: number | null;
+  /** "CONTADO" / "MENSUAL" / … — premium-payment cadence text. */
+  premiumPayment: string | null;
+  /**
+   * GMX prints per-coverage rows in a table: Building / Contents /
+   * Earthquake / … with insured amount, deductible, loss participation.
+   * Preserved verbatim so a missing premium receipt still leaves the
+   * coverages auditable on the Policy row.
+   */
+  coverages: ParsedCoverage[];
+  /** Human-readable trail of what was read, surfaced in the review queue. */
+  notes: string[];
+}
+
+export interface ParsedCoverage {
+  /** "Building", "Contents", "Debris removal Building", "Earthquake…". */
+  risk: string;
+  insuredAmount: number | null;
+  deductible: string | null;
+  lossParticipation: string | null;
+}
+
+// --- shared helpers ---------------------------------------------------------
+
+const DIGIT_CONFUSIONS: Record<string, string> = {
+  O: "0", o: "0", D: "0", I: "1", l: "1", "|": "1", S: "5", B: "8",
+};
+
+/**
+ * Tesseract confuses these glyphs inside numeric runs with some regularity.
+ * Same map and same caveat as the statement parser: ONLY apply to fields
+ * known to be digits, never to free text.
+ */
+function toDigits(s: string | null | undefined): string {
+  if (!s) return "";
+  return s
+    .split("")
+    .map((c) => DIGIT_CONFUSIONS[c] ?? c)
+    .join("")
+    .replace(/\D/g, "");
+}
+
+/**
+ * Parse a printed amount, treating `,` and `.` by position rather than by
+ * assumption. Same algorithm as the statement parser — kept here so the
+ * policy module is self-contained, since importing from `../../statements`
+ * would couple two unrelated domains through a helper.
+ */
+function money(s: string | null | undefined): number | null {
+  if (!s) return null;
+  const cleaned = s.replace(/[\s$]/g, "");
+
+  let m = cleaned.match(/^(\d{1,3}(?:[.,]\d{3})+)([.,]\d{1,2})?$/);
+  if (m) {
+    const whole = m[1].replace(/[.,]/g, "");
+    const cents = m[2] ? m[2].slice(1) : "";
+    return Number(cents ? `${whole}.${cents.padEnd(2, "0")}` : whole);
+  }
+
+  m = cleaned.match(/^(\d+)[.,](\d{2})$/);
+  if (m) return Number(`${m[1]}.${m[2]}`);
+
+  const n = Number(cleaned.replace(/[,.]/g, ""));
+  return Number.isFinite(n) ? n : null;
+}
+
+function firstMatch(text: string, patterns: RegExp[]): string | null {
+  for (const p of patterns) {
+    const m = text.match(p);
+    if (m?.[1]) return m[1].trim();
+  }
+  return null;
+}
+
+const MONTHS: Record<string, number> = {
+  ENE: 0, FEB: 1, MAR: 2, ABR: 3, MAY: 4, JUN: 5,
+  JUL: 6, AGO: 7, SEP: 8, OCT: 9, NOV: 10, DIC: 11,
+};
+
+/**
+ * DD/MM/YYYY (GMX) and the dash-separated ISO variants. Two-digit years are
+ * windowed: < 50 → 20YY, ≥ 50 → 19YY, matching what a 1950-2049 window
+ * expects from a paper document.
+ */
+function parseDate(raw: string | null | undefined): Date | null {
+  if (!raw) return null;
+  const s = raw.trim();
+
+  let m = s.match(/^(\d{1,2})\/(\d{1,2})\/(\d{4})$/);
+  if (m) return utc(+m[3], +m[2] - 1, +m[1]);
+
+  m = s.match(/^(\d{1,2})[-\s/]([A-Z]{3})[-\s/](\d{2,4})$/i);
+  if (m && MONTHS[m[2].toUpperCase()] !== undefined) {
+    const yr = +m[3];
+    const y = m[3].length === 2 ? (yr < 50 ? 2000 + yr : 1900 + yr) : yr;
+    return utc(y, MONTHS[m[2].toUpperCase()], +m[1]);
+  }
+
+  m = s.match(/^(\d{4})[-/](\d{1,2})[-/](\d{1,2})$/);
+  if (m) return utc(+m[1], +m[2] - 1, +m[3]);
+
+  // "July 23, 2026" — the signature date on the GMX certificate.
+  m = s.match(/^([A-Za-z]+)\s+(\d{1,2}),\s*(\d{4})$/);
+  if (m) {
+    const MONTH_NAMES: Record<string, number> = {
+      january: 0, february: 1, march: 2, april: 3, may: 4, june: 5,
+      july: 6, august: 7, september: 8, october: 9, november: 10, december: 11,
+    };
+    const mo = MONTH_NAMES[m[1].toLowerCase()];
+    if (mo !== undefined) return utc(+m[3], mo, +m[2]);
+  }
+
+  return null;
+}
+
+function utc(y: number, mo: number, d: number): Date | null {
+  const dt = new Date(Date.UTC(y, mo, d));
+  return Number.isNaN(dt.getTime()) ? null : dt;
+}
+
+/** Map the printed currency word onto an ISO code. */
+function currencyCode(raw: string | null | undefined): string | null {
+  if (!raw) return null;
+  const s = raw.trim().toUpperCase();
+  if (s.startsWith("PESO") || s === "MXN" || s.includes("NACIONAL")) return "MXN";
+  if (s.startsWith("DOLAR") || s === "USD" || s.includes("DOLLAR")) return "USD";
+  if (s === "EUR" || s.includes("EURO")) return "EUR";
+  return null;
+}
+
+// --- provider detection -----------------------------------------------------
+
+/**
+ * Brand first, layout as a fallback. Same ordering rule as the statement
+ * parser: a brand wordmark is the cheapest, most reliable discriminator, and
+ * a layout rule that runs first can wrongly claim a page that happens to
+ * carry the same shape string (the statement parser's lesson with CFE vs
+ * GAS on "PERIODO FACTURADO").
+ */
+const BRAND: [string, RegExp][] = [
+  ["GMX", /\bGMX\b|Grupo\s*Mexicano\s*de\s*Seguros|gmx\.com\.mx|JUNTOS\s*EL\s*RIESGO\s*ES\s*MENOR/i],
+];
+
+const LAYOUT: [string, RegExp][] = [
+  ["GMX", /Multiple\s*Policy|IMPUESTO\s*PREDIAL[\s\S]{0,80}EN\s*FECHA|Material\s*damages\s*Section/i],
+];
+
+export function detectPolicyProvider(text: string): string | null {
+  for (const group of [BRAND, LAYOUT]) {
+    for (const [name, pattern] of group) {
+      if (pattern.test(text)) return name;
+    }
+  }
+  return null;
+}
+
+// --- parsers ----------------------------------------------------------------
+
+const PARSERS: Record<string, (page: OcrPage) => ParsedPolicy> = {
+  GMX: parseGmx,
+};
+
+const EMPTY_COVERAGE: ParsedCoverage = {
+  risk: "",
+  insuredAmount: null,
+  deductible: null,
+  lossParticipation: null,
+};
+
+export function parsePolicy(page: OcrPage): ParsedPolicy {
+  const provider = detectPolicyProvider(page.text);
+  if (!provider) {
+    return {
+      provider: "",
+      policyNumber: null,
+      insuredName: null,
+      additionalInsured: null,
+      agentName: null,
+      legalAddress: null,
+      zip: null,
+      policyFrom: null,
+      policyTo: null,
+      policyDate: null,
+      currency: null,
+      netPremium: null,
+      policyFee: null,
+      brokerFee: null,
+      total: null,
+      premiumPayment: null,
+      coverages: [],
+      notes: ["no se reconoció el proveedor"],
+    };
+  }
+  return PARSERS[provider](page);
+}
+
+// --- GMX --------------------------------------------------------------------
+
+/**
+ * GMX policy certificate layout (this is the translation PDF — the Spanish
+ * version is the canonical source, but every GMX portal download is a
+ * translation so the parser can rely on these English labels).
+ *
+ * Page 1 carries the contract header in a single boxed table:
+ *   Policy | Insured | Additional insured | Legal address | ZIP | Income Tax No.
+ *   Broker | Term | From | To | Currency | Premium payment
+ * followed by an "Agreed clauses" block, the signature date, and the GMX
+ * letterhead.
+ *
+ * Page 2 carries the per-coverage table (Risk / Insured Amount / Deductible /
+ * Loss Participation) under "Material damages Section" and "ADDITIONAL RISK".
+ *
+ * Premium / total / fees are NOT on the certificate page — they live on
+ * GMX's separate "recibo" PDF. The parser leaves them null and flags the
+ * gap in `notes`; the matcher still proposes a Policy update from the
+ * certificate alone, and the staff confirm step fills premium in by hand
+ * or after a follow-up receipt upload.
+ */
+function parseGmx(page: OcrPage): ParsedPolicy {
+  const text = page.text;
+  const notes: string[] = [];
+
+  // ----- header table (page 1) --------------------------------------------
+  // The Policy row repeats the number in a long run:
+  //   "Policy 007-037-07005947-0000-02 in accordance with the enclosed clauses…"
+  // so taking the first token-shaped number is correct; the trailing prose
+  // never looks like one. The dashes are part of the printed number — keep
+  // them (don't run toDigits, which would flatten them).
+  const policyNumber = firstMatch(text, [
+    /\bPolicy\s+([0-9OIlSBD]{3,4}[-\s][0-9OIlSBD]{3}[-\s][0-9OIlSBD]{8}[-\s][0-9OIlSBD]{4}[-\s][0-9OIlSBD]{2})/i,
+    /\bPolicy\s+([0-9OIlSBD][0-9OIlSBD\s-]{9,30})/,
+  ]);
+
+  // "Insured   JON ASHLEY STRABALA" — label, then 1+ whitespace, then the name.
+  // Names can carry accents (ÁVILA) or apostrophes (O'NEILL); the label is
+  // always upper-case English on this layout, so case is reliable.
+  const insuredName = labelValue(text, /^Insured\s+([A-ZÁÉÍÓÚÑ'][A-ZÁÉÍÓÚÑ '\-.]+)$/m);
+  const additionalInsured = labelValue(text, /^Additional\s+insured\s+([A-ZÁÉÍÓÚÑ '\-.]+)$/m);
+
+  // Legal address is a single long line; the parser keeps it whole.
+  const legalAddress = labelValue(text, /^Legal\s+address\s+(.+)$/m);
+  const zip = labelValue(text, /^ZIP\s+(\d{4,6})\b/m);
+  if (!zip && legalAddress) {
+    // Last resort: zip often appears at the tail of the address run too
+    // ("…C.P. 22550"). Cheap regex, no false-positive cost on this layout.
+    const m = legalAddress.match(/\b(\d{5})\b/);
+    if (m) notes.push(`ZIP leído de la dirección (${m[1]})`);
+  }
+
+  // Broker line on GMX: "(1176) Jorge Humberto Cuadros" — the number is the
+  // agent code, the name is what lands on `Policy.agentName`. The parens
+  // are optional: a future layout or scan drop them.
+  const brokerRaw = labelValue(text, /^Broker\s+(?:\(\d+\)\s*)?(.+)$/m);
+  const agentName = brokerRaw?.trim() ?? null;
+
+  // Term: "12 months" — informational, not a free-standing date. Stored in
+  // notes; the UI can derive `coveragePeriodDays` from From/To anyway.
+  const term = firstMatch(text, [/^Term\s+(\d+\s+months?)$/m]);
+  if (term) notes.push(`vigencia: ${term}`);
+
+  const policyFrom = parseDate(
+    labelValue(text, /^From\s+(\d{1,2}\/\d{1,2}\/\d{4})\b/m),
+  );
+  const policyTo = parseDate(
+    firstMatch(text, [/^To\s+(\d{1,2}\/\d{1,2}\/\d{4})\b/m]),
+  );
+
+  // "at twelve hours (noon) Mexico City time." — kept in notes only.
+  if (/twelve\s*hours|noon/i.test(text)) notes.push("vencimiento a las 12:00 hora del centro");
+
+  // The Currency / Premium payment cells sit next to each other on one
+  // line; pull them with bounded matches so the trailing label of the
+  // adjacent cell doesn't swallow the wrong value.
+  const currency = currencyCode(labelValue(text, /^Currency\s+(\S+?)(?:\s+Premium\s+payment|$)/m));
+  const premiumPayment = labelValue(text, /Premium\s+payment\s+(\S+)$/m);
+
+  // ----- signature date (page 1) -----------------------------------------
+  // Appears above the signature line on its own: "July 23, 2026".
+  const dateMatch = text.match(
+    /\b(January|February|March|April|May|June|July|August|September|October|November|December)\s+\d{1,2},\s*\d{4}\b/,
+  );
+  const policyDate = dateMatch ? parseDate(dateMatch[0]) : null;
+  if (!policyDate) notes.push("no se pudo leer la fecha de firma");
+
+  // ----- coverages table (page 2) -----------------------------------------
+  const coverages = parseGmxCoverages(text, notes);
+
+  if (!policyNumber) notes.push("no se pudo leer el número de póliza");
+  if (!policyFrom || !policyTo) notes.push("no se pudo leer el período de vigencia");
+  // Premium fields are expected to be missing on the certificate page; flag
+  // it explicitly so the reviewer knows to look for a separate receipt.
+  if (!text.match(/Prima\s*neta|net\s*premium/i)) {
+    notes.push("esta página no trae prima; revisar el recibo de GMX por separado");
+  }
+
+  return {
+    provider: "GMX",
+    policyNumber: policyNumber ? policyNumber.replace(/\s+/g, "") : null,
+    insuredName,
+    additionalInsured,
+    agentName,
+    legalAddress,
+    zip,
+    policyFrom,
+    policyTo,
+    policyDate,
+    currency,
+    netPremium: null,
+    policyFee: null,
+    brokerFee: null,
+    total: null,
+    premiumPayment,
+    coverages,
+    notes,
+  };
+}
+
+/**
+ * Read the value that follows a `LABEL` on the same line. Used by every
+ * "Label    Value" cell on the GMX header table — matches on the line
+ * itself rather than across the page, so a label that also appears in body
+ * text can't accidentally claim a different cell.
+ */
+function labelValue(text: string, pattern: RegExp): string | null {
+  const m = text.match(pattern);
+  if (!m?.[1]) return null;
+  return m[1].replace(/\s+/g, " ").trim();
+}
+
+/**
+ * Walk the GMX per-coverage table on page 2.
+ *
+ * Real sample row (single-line representation of the table after pdftotext
+ * flattens it; the real layout uses fixed columns):
+ *   "Building                  $350,000.00   Not applies   Not applies"
+ *
+ * The four columns are:
+ *   Risk (left), Insured Amount ($ figure OR the word "Covered"),
+ *   Deductible (free text — "Not applies", "5%", "2% of the sum insured…"),
+ *   Loss Participation (same).
+ *
+ * "Covered" means the coverage is included with no dollar cap. We record
+ * the word so the review queue surfaces it instead of inventing a number.
+ *
+ * Deductible / Loss Participation are kept as printed strings, not
+ * converted to numbers — a "20%" loss participation is a different field
+ * shape from a "$5,000" deductible and the JSON column lets the UI render
+ * either verbatim.
+ *
+ * Multi-line cells (the "Earthquake" row's deductible wraps to three lines
+ * because the column is narrow) are collapsed by joining consecutive
+ * non-table-body lines onto the previous row's deductible cell before
+ * applying the column regex.
+ */
+function parseGmxCoverages(text: string, notes: string[]): ParsedCoverage[] {
+  const out: ParsedCoverage[] = [];
+
+  // Stop at "VALUES ADDED" — the trailing prose section (homeowner
+  // services, legal text) is not a coverage table. Re-enter at
+  // "ADDITIONAL RISK" for the second coverage block on page 2.
+  const segments = text.split(/VALUES\s*ADDED/i)[0].split(/ADDITIONAL\s*RISK/i);
+
+  // `[ \t]` (not `\s`) inside a cell: the deductible/loss-participation
+  // columns may wrap onto several lines in the raw `pdftotext` output, and
+  // matching across newlines silently swallows the next row.
+  const re = /^([A-Za-zÁÉÍÓÚÑ][A-Za-zÁÉÍÓÚÑ /\-.]+?)[ \t]+(\$[\d,.]+|Covered|Not[ \t]+applies)[ \t]+(\S+(?:[ \t]\S+){0,8})[ \t]+(\S+(?:[ \t]\S+){0,8})[ \t]*$/gim;
+  let m: RegExpExecArray | null;
+  for (const seg of segments) {
+    re.lastIndex = 0;
+    while ((m = re.exec(seg)) !== null) {
+      const risk = m[1].trim();
+      const amountCell = m[2].trim();
+      const deductible = m[3].trim();
+      const lossParticipation = m[4].trim();
+
+      // Skip the "Risk / Insured Amount / Deductible / Loss Participation"
+      // header row itself, which matches the same regex.
+      if (/^Risk$/i.test(risk) && /Insured\s*Amount/i.test(amountCell)) continue;
+
+      out.push({
+        risk,
+        insuredAmount:
+          amountCell === "Covered" || amountCell === "Not applies"
+            ? null
+            : money(amountCell),
+        deductible,
+        lossParticipation,
+      });
+    }
+  }
+
+  if (out.length === 0) notes.push("no se encontraron coberturas en la tabla");
+  return out;
+}

apps/api/src/policy-ocr/policy-matcher.service.ts

@@ -0,0 +1,101 @@
+import { Injectable } from "@nestjs/common";
+import { PrismaService } from "../prisma/prisma.service";
+import type { ParsedPolicy } from "./parsers/policy-parser";
+
+export interface MatchResult {
+  policyId: string | null;
+  customerId: string | null;
+  /** Why it landed here — shown in the review queue verbatim. */
+  note: string;
+  /** True only for an unambiguous hit on `Policy.policyNumber`. */
+  confident: boolean;
+  /**
+   * Every policy that carries the parsed number, with its customer. >1 means
+   * the policy number is shared across customers and a human must pick.
+   */
+  candidates: { policyId: string; customerId: string; customerName: string; policyNumber: string }[];
+}
+
+/**
+ * Resolves a parsed policy page to an existing Policy (and its customer) the
+ * office already holds.
+ *
+ * **Match on `Policy.policyNumber` alone, never on the printed insured name.**
+ * The certificate's "Insured" line is the account's registrant, which drifts
+ * from the current owner — the same problem the statement matcher cites for
+ * utility bills ("ARNAIZ ROSAS ELSA AURORA" on a CESPT receipt for a
+ * customer this office holds as "CATT, RANDY"). Names are surfaced for the
+ * reviewer to sanity-check and never feed matching.
+ *
+ * A policy number that matches zero rows means the policy is new: the
+ * review screen then offers a customer picker and the confirm step creates
+ * the row. Multiple hits are surfaced rather than auto-picked — duplicate
+ * policy numbers across customers do occur (same group policy bound by two
+ * related parties), and picking one arbitrarily would silently book the
+ * wrong coverage.
+ */
+@Injectable()
+export class PolicyMatcherService {
+  constructor(private readonly prisma: PrismaService) {}
+
+  async match(parsed: ParsedPolicy): Promise<MatchResult> {
+    if (!parsed.policyNumber) {
+      return this.unmatched("no se pudo leer el número de póliza");
+    }
+
+    const rows = await this.prisma.policy.findMany({
+      where: { policyNumber: parsed.policyNumber },
+      select: {
+        id: true,
+        policyNumber: true,
+        customerId: true,
+        customer: { select: { name: true } },
+      },
+    });
+
+    const candidates = rows.map((r) => ({
+      policyId: r.id,
+      customerId: r.customerId,
+      customerName: r.customer.name,
+      policyNumber: r.policyNumber,
+    }));
+
+    if (rows.length === 0) {
+      return {
+        policyId: null,
+        customerId: null,
+        note: `no se encontró ninguna póliza con el número ${parsed.policyNumber}`,
+        confident: false,
+        candidates: [],
+      };
+    }
+
+    if (rows.length > 1) {
+      return {
+        policyId: null,
+        customerId: null,
+        note: `${rows.length} pólizas comparten el número ${parsed.policyNumber}`,
+        confident: false,
+        candidates,
+      };
+    }
+
+    return {
+      policyId: candidates[0].policyId,
+      customerId: candidates[0].customerId,
+      note: `coincidencia exacta por número de póliza ${parsed.policyNumber}`,
+      confident: true,
+      candidates,
+    };
+  }
+
+  private unmatched(note: string): MatchResult {
+    return {
+      policyId: null,
+      customerId: null,
+      note,
+      confident: false,
+      candidates: [],
+    };
+  }
+}

apps/api/src/policy-ocr/policy-ocr.controller.ts

@@ -0,0 +1,173 @@
+import {
+  Body,
+  Controller,
+  Get,
+  Param,
+  Patch,
+  Post,
+  Query,
+  Req,
+  Res,
+  StreamableFile,
+  UploadedFiles,
+  UseGuards,
+  UseInterceptors,
+} from "@nestjs/common";
+import { FilesInterceptor } from "@nestjs/platform-express";
+import type { Request, Response } from "express";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { AbilityGuard } from "../auth/ability.guard";
+import { RequireAbility } from "../auth/require-ability.decorator";
+import { AuditService } from "../common/audit.service";
+import type { UploadedFileLike } from "../storage/upload-file";
+import { PolicyOcrService } from "./policy-ocr.service";
+import {
+  ConfirmPolicyBatchDto,
+  CreatePolicyOcrBatchDto,
+  ReviewPolicyDocumentDto,
+} from "./policy-ocr.dto";
+
+/**
+ * Insurance OCR intake (policy_ocr_intake).
+ *
+ * Mirrors StatementsController shape: one batch = one upload session of
+ * policy PDFs from a provider portal (GMX today), one document per page.
+ * Confirming a batch delegates nothing to a separate billing path —
+ * everything goes through `Policy` (and optionally a Transaction for the
+ * premium), the same tables the manual `PolicyForm` writes.
+ */
+@Controller("policy-ocr")
+@UseGuards(AuthenticatedGuard, AbilityGuard)
+export class PolicyOcrController {
+  constructor(
+    private readonly policyOcr: PolicyOcrService,
+    private readonly audit: AuditService,
+  ) {}
+
+  private actingId(req: Request): string {
+    return (req.user as { id: string } | undefined)?.id ?? "";
+  }
+
+  @Get("status")
+  async status() {
+    return {
+      ocrAvailable: await this.policyOcr.ocrAvailable(),
+      storageAvailable: this.policyOcr.storageAvailable(),
+    };
+  }
+
+  @Get("batches")
+  listBatches(@Query("page") page?: string, @Query("pageSize") pageSize?: string) {
+    return this.policyOcr.listBatches(
+      Math.max(1, Number(page) || 1),
+      Math.min(100, Math.max(1, Number(pageSize) || 25)),
+    );
+  }
+
+  @Get("batches/:id")
+  getBatch(@Param("id") id: string) {
+    return this.policyOcr.getBatch(id);
+  }
+
+  @Get("batches/:id/documents")
+  listDocuments(@Param("id") id: string) {
+    return this.policyOcr.listDocuments(id);
+  }
+
+  /**
+ * The source PDF for a parsed policy document. One PDF = one parsed policy,
+ * so this returns the entire upload (typically multi-page for insurance
+ * certificates). The review screen embeds it in an iframe.
+ */
+@Get("documents/:id/page")
+async pageImage(
+  @Param("id") id: string,
+  @Res({ passthrough: true }) res: Response,
+) {
+  const { stream, contentType, contentLength } = await this.policyOcr.pageImage(id);
+  res.set({
+    // The doc row stores the source PDF, not a rendered page image.
+    "Content-Type": contentType ?? "application/pdf",
+    ...(contentLength ? { "Content-Length": String(contentLength) } : {}),
+  });
+  return new StreamableFile(stream);
+}
+
+  // --- writes ---------------------------------------------------------------
+
+  @Post("batches")
+  @RequireAbility("policy:ingest")
+  @UseInterceptors(
+    FilesInterceptor("files", 25, { limits: { fileSize: 50 * 1024 * 1024 } }),
+  )
+  async createBatch(
+    @UploadedFiles() files: UploadedFileLike[] | undefined,
+    @Body() _dto: CreatePolicyOcrBatchDto,
+    @Query("label") label: string | undefined,
+    @Req() req: Request,
+  ) {
+    const batch = await this.policyOcr.createBatch(
+      files ?? [],
+      this.actingId(req),
+      label ?? _dto.label,
+    );
+    void this.audit.log(this.actingId(req), "policyOcr.batch.create", {
+      batchId: batch.id,
+      fileCount: batch.fileCount,
+    });
+    return batch;
+  }
+
+  @Patch("documents/:id")
+  @RequireAbility("policy:ocr-review")
+  async review(
+    @Param("id") id: string,
+    @Body() dto: ReviewPolicyDocumentDto,
+    @Req() req: Request,
+  ) {
+    const doc = await this.policyOcr.review(id, dto, this.actingId(req));
+    void this.audit.log(this.actingId(req), "policyOcr.document.review", {
+      documentId: id,
+      status: doc.status,
+    });
+    return doc;
+  }
+
+  @Post("documents/:id/reject")
+  @RequireAbility("policy:ocr-review")
+  async reject(@Param("id") id: string, @Req() req: Request) {
+    const doc = await this.policyOcr.reject(id, this.actingId(req));
+    void this.audit.log(this.actingId(req), "policyOcr.document.reject", {
+      documentId: id,
+    });
+    return doc;
+  }
+
+  /** Abandon a batch pending review — rejects every unapplied page. */
+  @Post("batches/:id/discard")
+  @RequireAbility("policy:ocr-review")
+  async discard(@Param("id") id: string, @Req() req: Request) {
+    const result = await this.policyOcr.discardBatch(id, this.actingId(req));
+    void this.audit.log(this.actingId(req), "policyOcr.batch.discard", {
+      batchId: id,
+      rejected: result.rejected,
+    });
+    return result;
+  }
+
+  @Post("batches/:id/confirm")
+  @RequireAbility("policy:ocr-review")
+  async confirm(
+    @Param("id") id: string,
+    @Body() dto: ConfirmPolicyBatchDto,
+    @Req() req: Request,
+  ) {
+    const result = await this.policyOcr.confirmBatch(id, dto, this.actingId(req));
+    void this.audit.log(this.actingId(req), "policyOcr.batch.confirm", {
+      batchId: id,
+      applied: result.applied,
+      postedTransactions: result.postedTransactions,
+    });
+    return result;
+  }
+}

apps/api/src/policy-ocr/policy-ocr.dto.ts

@@ -0,0 +1,85 @@
+import { Type } from "class-transformer";
+import {
+  IsArray,
+  IsDateString,
+  IsEnum,
+  IsNumber,
+  IsObject,
+  IsOptional,
+  IsString,
+  MinLength,
+  ValidateNested,
+} from "class-validator";
+
+/** One document's confirmed-after-review state. The service reads these
+ *  fields and writes them onto either a matched Policy or a freshly created
+ *  one. Anything null here is not written. */
+export class ConfirmPolicyDocumentDto {
+  @IsString() documentId!: string;
+
+  /** Required when creating a new Policy; ignored if `policyId` is set. */
+  @IsOptional() @IsString() customerId?: string;
+  /** Set when the document matched an existing Policy. */
+  @IsOptional() @IsString() policyId?: string;
+
+  @IsOptional() @IsString() policyNumber?: string;
+  @IsOptional() @IsString() insuredName?: string;
+  @IsOptional() @IsString() additionalInsured?: string;
+  @IsOptional() @IsString() agentName?: string;
+  @IsOptional() @IsString() legalAddress?: string;
+  @IsOptional() @IsString() zip?: string;
+  @IsOptional() @IsDateString() policyFrom?: string;
+  @IsOptional() @IsDateString() policyTo?: string;
+  @IsOptional() @IsDateString() policyDate?: string;
+  @IsOptional() @IsEnum(["MXN", "USD", "EUR"]) currency?: "MXN" | "USD" | "EUR";
+  @IsOptional() @IsNumber() netPremium?: number;
+  @IsOptional() @IsNumber() policyFee?: number;
+  @IsOptional() @IsNumber() brokerFee?: number;
+  @IsOptional() @IsNumber() total?: number;
+  @IsOptional() @IsString() premiumPayment?: string;
+  /** Coverages parsed off the PDF, passed through verbatim to Policy.coveragesJson. */
+  @IsOptional() @IsObject() coveragesJson?: unknown;
+
+  /** When true, write a Transaction(domain=INSURANCE, amount=-netPremium)
+   *  in addition to creating/updating the Policy. Skipped if netPremium is
+   *  null or zero. */
+  @IsOptional() postPremium?: boolean;
+}
+
+export class ConfirmPolicyBatchDto {
+  @IsArray()
+  @ValidateNested({ each: true })
+  @Type(() => ConfirmPolicyDocumentDto)
+  documents!: ConfirmPolicyDocumentDto[];
+}
+
+/** Staff correction of one document's extracted fields or its match. */
+export class ReviewPolicyDocumentDto {
+  @IsOptional() @IsString() policyNumber?: string;
+  @IsOptional() @IsString() insuredName?: string;
+  @IsOptional() @IsString() additionalInsured?: string;
+  @IsOptional() @IsString() agentName?: string;
+  @IsOptional() @IsString() legalAddress?: string;
+  @IsOptional() @IsString() zip?: string;
+  @IsOptional() @IsDateString() policyFrom?: string;
+  @IsOptional() @IsDateString() policyTo?: string;
+  @IsOptional() @IsDateString() policyDate?: string;
+  @IsOptional() @IsString() currency?: string;
+  @IsOptional() @IsNumber() netPremium?: number;
+  @IsOptional() @IsNumber() policyFee?: number;
+  @IsOptional() @IsNumber() brokerFee?: number;
+  @IsOptional() @IsNumber() total?: number;
+  @IsOptional() @IsString() premiumPayment?: string;
+  @IsOptional() @IsObject() coveragesJson?: unknown;
+
+  /** Set by the reviewer when the document matched an existing Policy. */
+  @IsOptional() @IsString() matchedPolicyId?: string;
+  /** Set by the reviewer when creating a new Policy. */
+  @IsOptional() @IsString() matchedCustomerId?: string;
+  /** Force-confirm a doc even when the matcher left it ambiguous. */
+  @IsOptional() forceConfirm?: boolean;
+}
+
+export class CreatePolicyOcrBatchDto {
+  @IsOptional() @IsString() @MinLength(1) label?: string;
+}

apps/api/src/policy-ocr/policy-ocr.module.ts

@@ -0,0 +1,18 @@
+import { Module } from "@nestjs/common";
+import { OcrModule } from "../ocr/ocr.module";
+import { PolicyOcrController } from "./policy-ocr.controller";
+import { PolicyOcrService } from "./policy-ocr.service";
+import { PolicyMatcherService } from "./policy-matcher.service";
+
+/**
+ * Reuses the OCR seam from OcrModule unchanged: the Tesseract provider is
+ * bound there and `OcrProvider` is the only thing the parsers touch. This
+ * module registers its own controller + service + matcher; nothing about
+ * utility ingestion needs to know about it.
+ */
+@Module({
+  imports: [OcrModule],
+  controllers: [PolicyOcrController],
+  providers: [PolicyOcrService, PolicyMatcherService],
+})
+export class PolicyOcrModule {}

apps/api/src/policy-ocr/policy-ocr.service.ts

@@ -0,0 +1,767 @@
+import {
+  BadRequestException,
+  Inject,
+  Injectable,
+  Logger,
+  NotFoundException,
+} from "@nestjs/common";
+import { Currency, Prisma } from "@jorgecuadros/database";
+import { PrismaService } from "../prisma/prisma.service";
+import { StorageService } from "../storage/storage.service";
+import type { UploadedFileLike } from "../storage/upload-file";
+import { OCR_PROVIDER, type OcrPage, type OcrProvider } from "../statements/ocr/ocr.provider";
+import { parsePolicy } from "./parsers/policy-parser";
+import { PolicyMatcherService } from "./policy-matcher.service";
+import type {
+  ConfirmPolicyBatchDto,
+  ConfirmPolicyDocumentDto,
+  ReviewPolicyDocumentDto,
+} from "./policy-ocr.dto";
+
+/**
+ * Insurance OCR intake — mirrors the statement pipeline at
+ * `apps/api/src/statements/statements.service.ts`. Reuses the OCR seam and
+ * Tesseract binding unchanged; the parsers and matcher are policy-specific.
+ *
+ * Why a parallel pipeline rather than a column on StatementDocument: the
+ * matcher keys on `Policy.policyNumber`, the confirm step writes to a
+ * different table (`Policy`, not `Transaction`), and the review UI shows
+ * different fields. Sharing one queue would either bloat the row with null
+ * columns or force the review screen to branch on a discriminator — both
+ * worse than a thin second table.
+ */
+@Injectable()
+export class PolicyOcrService {
+  private readonly logger = new Logger(PolicyOcrService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly storage: StorageService,
+    private readonly matcher: PolicyMatcherService,
+    @Inject(OCR_PROVIDER) private readonly ocr: OcrProvider,
+  ) {}
+
+  ocrAvailable(): Promise<boolean> {
+    return this.ocr.available();
+  }
+
+  storageAvailable(): boolean {
+    return this.storage.available;
+  }
+
+  // --- ingest ---------------------------------------------------------------
+
+  async createBatch(
+    files: UploadedFileLike[],
+    uploadedById: string,
+    label?: string,
+  ) {
+    if (!files?.length) throw new BadRequestException("No se recibió ningún archivo.");
+    if (!(await this.ocr.available())) {
+      throw new BadRequestException(
+        "El servidor no tiene OCR instalado; no se pueden leer PDFs de pólizas.",
+      );
+    }
+    if (!this.storage.available) {
+      throw new BadRequestException(
+        "El almacenamiento de documentos no está configurado; no se pueden " +
+          "guardar los PDFs escaneados.",
+      );
+    }
+
+    const batch = await this.prisma.policyOcrBatch.create({
+      data: { provider: "GMX", uploadedById, label, fileCount: files.length },
+    });
+
+    const copies = files.map((f) => ({ buffer: f.buffer, name: f.originalname }));
+    void this.process(batch.id, copies).catch(async (err) => {
+      this.logger.error(`Policy OCR batch ${batch.id} failed: ${(err as Error).message}`);
+      await this.prisma.policyOcrBatch.update({
+        where: { id: batch.id },
+        data: { status: "FAILED", error: (err as Error).message },
+      });
+    });
+
+    return batch;
+  }
+
+  /**
+   * Render → text → parse → match, **one PolicyOcrDocument row per uploaded
+   * file**. The GMX certificate is a 2-page PDF where page 1 carries the
+   * contract header and page 2 carries the per-coverage table — both pages
+   * describe the SAME policy, so the parser concatenates them and the
+   * matcher runs once. `pageNumber` on the row is repurposed as the file
+   * ordinal within the batch (1, 2, 3…) — the unique constraint
+   * `(batchId, pageNumber)` still holds and lets a single batch carry many
+   * policies.
+   *
+   * The doc's `storageKey` is the SOURCE PDF (`policy-ocr/{batchId}/source-N.pdf`)
+   * rather than a rendered page image, so the review screen can embed the
+   * exact artifact the office received. The rendered page PNGs are still
+   * stored under `policy-ocr/{batchId}/page-M.png` for any future re-OCR or
+   * image-based audit, but they aren't used as `storageKey` for the document.
+   */
+  private async process(
+    batchId: string,
+    files: { buffer: Buffer; name?: string }[],
+  ) {
+    await this.prisma.policyOcrBatch.update({
+      where: { id: batchId },
+      data: { status: "PROCESSING" },
+    });
+
+    let fileOrdinal = 0;
+    let globalPageOrdinal = 0;
+    for (const file of files) {
+      fileOrdinal += 1;
+      const sourceKey = `policy-ocr/${batchId}/source-${fileOrdinal}.pdf`;
+      await this.storage.put(sourceKey, file.buffer, "application/pdf");
+
+      const pages = await this.ocr.renderPages(file.buffer);
+      const textLayer = await this.ocr.textPages(file.buffer).catch(() => []);
+
+      // One OcrPage per rendered page: text-layer wins when present (cheap,
+      // exact), OCR the rendered image when it isn't. Same precedence rule
+      // as the statement OCR pipeline.
+      const perPageOcr: OcrPage[] = [];
+      for (const [index, image] of pages.entries()) {
+        globalPageOrdinal += 1;
+        const pageStorageKey = `policy-ocr/${batchId}/page-${globalPageOrdinal}.png`;
+        await this.storage.put(pageStorageKey, image, "image/png");
+
+        const embedded = textLayer[index] ?? null;
+        const pageOcr = embedded ?? (await this.ocr.recognize(image));
+        perPageOcr.push(pageOcr);
+      }
+
+      // Concatenate every page's text with a blank line between pages so the
+      // parser's anchored regexes (^From$, ^Currency\s+...) still work
+      // across page boundaries — pdftotext -bbox-layout produces newline-
+      // separated text per page already, the `\n\n` just preserves a clear
+      // boundary in ocrRawText for debugging.
+      const mergedText = perPageOcr.map((p) => p.text).join("\n\n");
+      const avgConfidence =
+        perPageOcr.length === 0
+          ? 0
+          : perPageOcr.reduce((s, p) => s + p.confidence, 0) / perPageOcr.length;
+      const synthetic: OcrPage = {
+        text: mergedText,
+        words: [],
+        confidence: avgConfidence,
+      };
+
+      try {
+        const parsed = parsePolicy(synthetic);
+        if (parsed.provider === "") {
+          throw new Error("no se reconoció el proveedor");
+        }
+        const match = await this.matcher.match(parsed);
+        const notes = [...parsed.notes, match.note].filter(Boolean);
+        // Confident when exactly one Policy carries the printed number —
+        // the only unambiguous hit we trust. A new policy (no match) still
+        // needs a customer pick, so it stays in review.
+        const trusted = match.confident && parsed.policyNumber != null;
+
+        await this.prisma.policyOcrDocument.create({
+          data: {
+            batchId,
+            pageNumber: fileOrdinal,
+            storageKey: sourceKey,
+            status: trusted ? "MATCHED" : "NEEDS_REVIEW",
+            ocrRawText: mergedText,
+            ocrConfidence: new Prisma.Decimal(avgConfidence.toFixed(3)),
+            provider: parsed.provider,
+            extractedPolicyNumber: parsed.policyNumber,
+            extractedInsuredName: parsed.insuredName,
+            extractedAdditionalInsured: parsed.additionalInsured,
+            extractedAgentName: parsed.agentName,
+            extractedLegalAddress: parsed.legalAddress,
+            extractedZip: parsed.zip,
+            extractedPolicyFrom: parsed.policyFrom,
+            extractedPolicyTo: parsed.policyTo,
+            extractedPolicyDate: parsed.policyDate,
+            extractedCurrency: parsed.currency,
+            extractedNetPremium:
+              parsed.netPremium != null ? new Prisma.Decimal(parsed.netPremium) : null,
+            extractedPolicyFee:
+              parsed.policyFee != null ? new Prisma.Decimal(parsed.policyFee) : null,
+            extractedBrokerFee:
+              parsed.brokerFee != null ? new Prisma.Decimal(parsed.brokerFee) : null,
+            extractedTotal:
+              parsed.total != null ? new Prisma.Decimal(parsed.total) : null,
+            extractedCoveragesJson: parsed.coverages.length
+              ? (parsed.coverages as unknown as Prisma.InputJsonValue)
+              : Prisma.DbNull,
+            extractedPremiumPayment: parsed.premiumPayment,
+            matchedPolicyId: match.policyId,
+            matchedCustomerId: match.customerId,
+            matchCandidates: match.candidates.length
+              ? (match.candidates as unknown as Prisma.InputJsonValue)
+              : Prisma.DbNull,
+            matchNote: notes.join("; ").slice(0, 190),
+          },
+        });
+      } catch (err) {
+        // The file as a whole failed to parse (no provider, parse exception).
+        // One OCR_FAILED row per file is the right granularity — the page
+        // images are still on disk for a re-run after a parser fix.
+        await this.prisma.policyOcrDocument.create({
+          data: {
+            batchId,
+            pageNumber: fileOrdinal,
+            storageKey: sourceKey,
+            status: "OCR_FAILED",
+            matchNote: (err as Error).message.slice(0, 190),
+          },
+        });
+      }
+    }
+
+    await this.prisma.policyOcrBatch.update({
+      where: { id: batchId },
+      data: { status: "READY_FOR_REVIEW" },
+    });
+  }
+
+  // --- reads ----------------------------------------------------------------
+
+  async listBatches(page: number, pageSize: number) {
+    const [total, items] = await this.prisma.$transaction([
+      this.prisma.policyOcrBatch.count(),
+      this.prisma.policyOcrBatch.findMany({
+        orderBy: { createdAt: "desc" },
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+        include: {
+          uploadedBy: { select: { name: true } },
+          _count: { select: { documents: true } },
+        },
+      }),
+    ]);
+    return { items, total, page, pageSize, pageCount: Math.ceil(total / pageSize) };
+  }
+
+  async getBatch(id: string) {
+    const batch = await this.prisma.policyOcrBatch.findUnique({
+      where: { id },
+      include: { uploadedBy: { select: { name: true } } },
+    });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+
+    const counts = await this.prisma.policyOcrDocument.groupBy({
+      by: ["status"],
+      where: { batchId: id },
+      _count: { _all: true },
+    });
+    return {
+      ...batch,
+      byStatus: Object.fromEntries(counts.map((c) => [c.status, c._count._all])),
+    };
+  }
+
+  async listDocuments(batchId: string) {
+    return this.prisma.policyOcrDocument.findMany({
+      where: { batchId },
+      orderBy: { pageNumber: "asc" },
+      include: {
+        matchedCustomer: { select: { id: true, name: true } },
+        matchedPolicy: {
+          select: {
+            id: true,
+            policyNumber: true,
+            customerId: true,
+            customer: { select: { name: true } },
+          },
+        },
+      },
+    });
+  }
+
+  /**
+   * The source PDF for the document, so the review screen can show the
+   * exact artifact the office uploaded (the browser's PDF viewer handles
+   * scrolling, zoom, and selection natively). The rendered page PNGs
+   * remain on disk under `policy-ocr/{batchId}/page-N.png` for any
+   * future re-OCR, but the doc row points here at the source.
+   */
+  async pageImage(documentId: string) {
+    const doc = await this.prisma.policyOcrDocument.findUnique({
+      where: { id: documentId },
+      select: { storageKey: true },
+    });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    return this.storage.getStream(doc.storageKey);
+  }
+
+  // --- review ---------------------------------------------------------------
+
+  async review(id: string, dto: ReviewPolicyDocumentDto, reviewedById: string) {
+    const doc = await this.prisma.policyOcrDocument.findUnique({ where: { id } });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    if (doc.status === "POSTED") {
+      throw new BadRequestException("Este documento ya fue aplicado.");
+    }
+
+    // Trusting a customer-supplied pair (policyId, customerId) without
+    // cross-check is how a document lands on the wrong customer's ledger;
+    // pin them here from the DB.
+    let matchedPolicyId = dto.matchedPolicyId ?? doc.matchedPolicyId;
+    let matchedCustomerId = doc.matchedCustomerId;
+
+    if (matchedPolicyId) {
+      const p = await this.prisma.policy.findUnique({
+        where: { id: matchedPolicyId },
+        select: { customerId: true },
+      });
+      if (!p) throw new BadRequestException("Póliza no encontrada.");
+      matchedCustomerId = p.customerId;
+    } else if (dto.matchedCustomerId) {
+      const c = await this.prisma.customer.findUnique({
+        where: { id: dto.matchedCustomerId },
+        select: { id: true },
+      });
+      if (!c) throw new BadRequestException("Cliente no encontrado.");
+      matchedCustomerId = c.id;
+    }
+
+    return this.prisma.policyOcrDocument.update({
+      where: { id },
+      data: {
+        extractedPolicyNumber: dto.policyNumber ?? undefined,
+        extractedInsuredName: dto.insuredName ?? undefined,
+        extractedAdditionalInsured: dto.additionalInsured ?? undefined,
+        extractedAgentName: dto.agentName ?? undefined,
+        extractedLegalAddress: dto.legalAddress ?? undefined,
+        extractedZip: dto.zip ?? undefined,
+        extractedPolicyFrom: dto.policyFrom ? new Date(dto.policyFrom) : undefined,
+        extractedPolicyTo: dto.policyTo ? new Date(dto.policyTo) : undefined,
+        extractedPolicyDate: dto.policyDate ? new Date(dto.policyDate) : undefined,
+        extractedCurrency: dto.currency ?? undefined,
+        extractedNetPremium:
+          dto.netPremium != null ? new Prisma.Decimal(dto.netPremium) : undefined,
+        extractedPolicyFee:
+          dto.policyFee != null ? new Prisma.Decimal(dto.policyFee) : undefined,
+        extractedBrokerFee:
+          dto.brokerFee != null ? new Prisma.Decimal(dto.brokerFee) : undefined,
+        extractedTotal:
+          dto.total != null ? new Prisma.Decimal(dto.total) : undefined,
+        extractedCoveragesJson: dto.coveragesJson
+          ? (dto.coveragesJson as Prisma.InputJsonValue)
+          : undefined,
+        extractedPremiumPayment: dto.premiumPayment ?? undefined,
+        matchedPolicyId,
+        matchedCustomerId,
+        status: dto.forceConfirm ? "CONFIRMED" : "MATCHED",
+        reviewedById,
+        reviewedAt: new Date(),
+      },
+    });
+  }
+
+  async reject(id: string, reviewedById: string) {
+    const doc = await this.prisma.policyOcrDocument.findUnique({ where: { id } });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    if (doc.status === "POSTED") {
+      throw new BadRequestException("Este documento ya fue aplicado.");
+    }
+    const updated = await this.prisma.policyOcrDocument.update({
+      where: { id },
+      data: { status: "REJECTED", reviewedById, reviewedAt: new Date() },
+    });
+    // Rejecting the last open page settles the batch just as confirming it
+    // would — without this, a fully-rejected batch sat in READY_FOR_REVIEW
+    // forever because only confirmBatch() ever closed one.
+    await this.closeIfDone(doc.batchId);
+    return updated;
+  }
+
+  /**
+   * Throw away a whole batch that is pending review: every page that has not
+   * been applied is marked REJECTED and the batch itself becomes DISCARDED.
+   *
+   * Refuses once any page is POSTED — a partly-applied batch has already
+   * written Policy (and possibly Transaction) rows, and hiding the paperwork
+   * behind a "discarded" label would leave those rows unexplained. Reject the
+   * remaining pages individually instead.
+   */
+  async discardBatch(batchId: string, reviewedById: string) {
+    const batch = await this.prisma.policyOcrBatch.findUnique({
+      where: { id: batchId },
+    });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+    if (batch.status === "DISCARDED") {
+      throw new BadRequestException("Este lote ya fue descartado.");
+    }
+
+    const posted = await this.prisma.policyOcrDocument.count({
+      where: { batchId, status: "POSTED" },
+    });
+    if (posted > 0) {
+      throw new BadRequestException(
+        `No se puede descartar: ${posted} página(s) ya se aplicaron a una póliza.`,
+      );
+    }
+
+    const { count } = await this.prisma.policyOcrDocument.updateMany({
+      where: { batchId, status: { notIn: ["POSTED", "REJECTED"] } },
+      data: { status: "REJECTED", reviewedById, reviewedAt: new Date() },
+    });
+
+    await this.prisma.policyOcrBatch.update({
+      where: { id: batchId },
+      data: { status: "DISCARDED", completedAt: new Date() },
+    });
+
+    return { batchId, rejected: count };
+  }
+
+  // --- confirm --------------------------------------------------------------
+
+  /**
+   * Apply every confirmed document: create or update the Policy, attach the
+   * source PDF as a PolicyDocument, and (when staff asked + premium parses)
+   * write a Transaction row. Each step is guarded by status checks so a
+   * double-confirm cannot re-apply a document.
+   */
+  async confirmBatch(batchId: string, dto: ConfirmPolicyBatchDto, reviewedById: string) {
+    const batch = await this.prisma.policyOcrBatch.findUnique({ where: { id: batchId } });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+
+    const results: { documentId: string; policyId: string; postedTransactionId: string | null }[] = [];
+
+    for (const item of dto.documents) {
+      const doc = await this.prisma.policyOcrDocument.findUnique({
+        where: { id: item.documentId },
+      });
+      if (!doc) {
+        throw new BadRequestException(`Documento ${item.documentId} no encontrado.`);
+      }
+      if (doc.status === "POSTED") {
+        throw new BadRequestException(
+          `El documento página ${doc.pageNumber} ya fue aplicado.`,
+        );
+      }
+      if (!item.policyId && !item.customerId) {
+        throw new BadRequestException(
+          `Documento página ${doc.pageNumber}: falta póliza destino o cliente.`,
+        );
+      }
+
+      // 1. Resolve target Policy (create or update). Field selection: every
+      // non-null `extracted*` on the doc (post-review) is written. Null is
+      // preserved — never overwrite an existing Policy's `netPremium` with
+      // null because the certificate page didn't carry one.
+      let policyId = item.policyId ?? null;
+
+      if (policyId) {
+        const updateData = buildPolicyUpdateFromDoc(item, doc);
+        await this.prisma.policy.update({
+          where: { id: policyId },
+          data: updateData,
+        });
+      } else {
+        // Create under the picked customer. `policyNumber` is the only field
+        // that must be present.
+        if (!item.policyNumber && !doc.extractedPolicyNumber) {
+          throw new BadRequestException(
+            `Documento página ${doc.pageNumber}: falta número de póliza.`,
+          );
+        }
+        const createData = buildPolicyCreateFromDoc(item, doc, item.customerId!);
+        const created = await this.prisma.policy.create({
+          data: createData,
+        });
+        policyId = created.id;
+      }
+
+      // 2. Attach the source PDF as a PolicyDocument. `doc.storageKey`
+      // already points at the exact upload (`policy-ocr/{batchId}/source-N.pdf`)
+      // so the attach is just a stream copy into the policy's namespace —
+      // the previous per-page "which file did this page come from" walk is
+      // gone because one PDF = one doc now.
+      await this.attachSourcePdf(doc.storageKey, policyId);
+
+      // 3. Optionally post the premium to the ledger. Only when staff
+      // explicitly asked (`postPremium` true) and netPremium parses — without
+      // that gate a missing premium would silently book $0.
+      let postedTransactionId: string | null = null;
+      const premium =
+        item.netPremium != null
+          ? item.netPremium
+          : doc.extractedNetPremium != null
+          ? Number(doc.extractedNetPremium)
+          : null;
+      if (item.postPremium && premium && premium > 0) {
+        const tx = await this.prisma.transaction.create({
+          data: {
+            customerId: (await this.policyCustomerId(policyId))!,
+            domain: "INSURANCE",
+            amount: new Prisma.Decimal(-Math.abs(premium)),
+            transactionDate: doc.extractedPolicyDate ?? doc.extractedPolicyFrom ?? new Date(),
+            currency: (item.currency ??
+              doc.extractedCurrency ??
+              "MXN") as Currency,
+            reference: item.policyNumber ?? doc.extractedPolicyNumber ?? null,
+            period: null,
+            captureSource: "OCR",
+            captureRef: doc.id,
+            message: `Prima de póliza ${item.policyNumber ?? doc.extractedPolicyNumber ?? ""}`,
+          },
+        });
+        postedTransactionId = tx.id;
+      }
+
+      await this.prisma.policyOcrDocument.update({
+        where: { id: doc.id },
+        data: {
+          status: "POSTED",
+          matchedPolicyId: policyId,
+          reviewedById,
+          reviewedAt: new Date(),
+          createdPolicyId: item.policyId ? null : policyId,
+          postedTransactionId,
+        },
+      });
+
+      results.push({
+        documentId: doc.id,
+        policyId,
+        postedTransactionId,
+      });
+    }
+
+    await this.closeIfDone(batchId);
+
+    return {
+      applied: results.length,
+      policies: results.map((r) => r.policyId),
+      postedTransactions: results.filter((r) => r.postedTransactionId).length,
+    };
+  }
+
+  /**
+   * Stream the source PDF (`sourceKey`, set by `process` on the doc row)
+   * into the policy's storage namespace and create a `PolicyDocument`
+   * pointer. Trivial now that the doc row holds the exact source key —
+   * the old per-page "which file did this page come from" walk is gone.
+   */
+  private async attachSourcePdf(sourceKey: string, policyId: string): Promise<void> {
+    const got = await this.storage.getStream(sourceKey);
+    const chunks: Buffer[] = [];
+    for await (const c of got.stream) chunks.push(c as Buffer);
+    const buf = Buffer.concat(chunks);
+
+    const newKey = `policy/${policyId}/${Date.now()}-${crypto.randomUUID()}.pdf`;
+    await this.storage.put(newKey, buf, "application/pdf");
+    await this.prisma.policyDocument.create({
+      data: {
+        policyId,
+        documentType: "GMX_POLICY",
+        storageKey: newKey,
+      },
+    });
+  }
+
+  private async policyCustomerId(policyId: string): Promise<string | null> {
+    const p = await this.prisma.policy.findUnique({
+      where: { id: policyId },
+      select: { customerId: true },
+    });
+    return p?.customerId ?? null;
+  }
+
+  private async closeIfDone(batchId: string) {
+    const open = await this.prisma.policyOcrDocument.count({
+      where: {
+        batchId,
+        status: { in: ["PENDING_OCR", "NEEDS_REVIEW", "MATCHED", "CONFIRMED"] },
+      },
+    });
+    if (open === 0) {
+      await this.prisma.policyOcrBatch.updateMany({
+        // `updateMany` + a status filter so a discarded batch is never quietly
+        // relabelled COMPLETED by a late reject on one of its pages.
+        where: { id: batchId, status: { not: "DISCARDED" } },
+        data: { status: "COMPLETED", completedAt: new Date() },
+      });
+    }
+  }
+}
+
+/** Map a (post-review) doc + final confirmed fields onto a `Policy.update`
+ *  payload. Every field that is null in both inputs is omitted so we never
+ *  write null over a value the Policy already carries (the GMX certificate
+ *  has no premium — we must not blank the existing Policy.netPremium). */
+function buildPolicyUpdateFromDoc(
+  item: ConfirmPolicyDocumentDto,
+  doc: {
+    extractedPolicyNumber: string | null;
+    extractedInsuredName: string | null;
+    extractedAdditionalInsured: string | null;
+    extractedAgentName: string | null;
+    extractedLegalAddress: string | null;
+    extractedZip: string | null;
+    extractedPolicyFrom: Date | null;
+    extractedPolicyTo: Date | null;
+    extractedPolicyDate: Date | null;
+    extractedCurrency: string | null;
+    extractedNetPremium: Prisma.Decimal | null;
+    extractedPolicyFee: Prisma.Decimal | null;
+    extractedBrokerFee: Prisma.Decimal | null;
+    extractedTotal: Prisma.Decimal | null;
+    extractedCoveragesJson: Prisma.JsonValue | null;
+    extractedPremiumPayment: string | null;
+  },
+): Prisma.PolicyUpdateInput {
+  const numOrUndef = (a: number | undefined, b: Prisma.Decimal | null): Prisma.Decimal | undefined => {
+    if (a != null) return new Prisma.Decimal(a);
+    if (b != null) return b;
+    return undefined;
+  };
+  const dateOrUndef = (a: string | undefined, b: Date | null): Date | undefined => {
+    if (a) return new Date(a);
+    if (b) return b;
+    return undefined;
+  };
+  const strOrUndef = (a: string | undefined, b: string | null): string | undefined => {
+    if (a != null && a !== "") return a;
+    if (b != null && b !== "") return b;
+    return undefined;
+  };
+
+  return {
+    policyNumber: strOrUndef(item.policyNumber, doc.extractedPolicyNumber),
+    agentName: strOrUndef(item.agentName, doc.extractedAgentName),
+    policyFrom: dateOrUndef(item.policyFrom, doc.extractedPolicyFrom),
+    policyTo: dateOrUndef(item.policyTo, doc.extractedPolicyTo),
+    policyDate: dateOrUndef(item.policyDate, doc.extractedPolicyDate),
+    currency: strOrUndef(item.currency, doc.extractedCurrency) as Currency | undefined,
+    netPremium: numOrUndef(item.netPremium, doc.extractedNetPremium),
+    policyFee: numOrUndef(item.policyFee, doc.extractedPolicyFee),
+    brokerFee: numOrUndef(item.brokerFee, doc.extractedBrokerFee),
+    total: numOrUndef(item.total, doc.extractedTotal),
+    // coveragesJson / observations: freeform, keep the GMX data when present.
+    coveragesJson:
+      item.coveragesJson !== undefined
+        ? (item.coveragesJson as Prisma.InputJsonValue)
+        : doc.extractedCoveragesJson != null
+        ? (doc.extractedCoveragesJson as Prisma.InputJsonValue)
+        : undefined,
+    // Premium payment cadence ("CONTADO") and insured-name fields land in
+    // `observations` so the PolicyForm's edits stay the source of truth for
+    // structured fields. The reviewer can move them by hand if needed.
+    observations: joinObservations(
+      doc.extractedInsuredName,
+      doc.extractedAdditionalInsured,
+      doc.extractedLegalAddress,
+      doc.extractedZip,
+      doc.extractedPremiumPayment,
+      item,
+    ),
+  };
+}
+
+/** Same shape as `buildPolicyUpdateFromDoc`, but for `Policy.create`. The
+ *  `customerId` is supplied separately and `policyNumber` is required (a
+ *  Policy without a number can't be re-matched by the OCR pipeline). */
+function buildPolicyCreateFromDoc(
+  item: ConfirmPolicyDocumentDto,
+  doc: {
+    extractedPolicyNumber: string | null;
+    extractedInsuredName: string | null;
+    extractedAdditionalInsured: string | null;
+    extractedAgentName: string | null;
+    extractedLegalAddress: string | null;
+    extractedZip: string | null;
+    extractedPolicyFrom: Date | null;
+    extractedPolicyTo: Date | null;
+    extractedPolicyDate: Date | null;
+    extractedCurrency: string | null;
+    extractedNetPremium: Prisma.Decimal | null;
+    extractedPolicyFee: Prisma.Decimal | null;
+    extractedBrokerFee: Prisma.Decimal | null;
+    extractedTotal: Prisma.Decimal | null;
+    extractedCoveragesJson: Prisma.JsonValue | null;
+    extractedPremiumPayment: string | null;
+  },
+  customerId: string,
+): Prisma.PolicyUncheckedCreateInput {
+  const numOrUndef = (a: number | undefined, b: Prisma.Decimal | null): Prisma.Decimal | undefined => {
+    if (a != null) return new Prisma.Decimal(a);
+    if (b != null) return b;
+    return undefined;
+  };
+  const dateOrUndef = (a: string | undefined, b: Date | null): Date | undefined => {
+    if (a) return new Date(a);
+    if (b) return b;
+    return undefined;
+  };
+  const strOrUndef = (a: string | undefined, b: string | null): string | undefined => {
+    if (a != null && a !== "") return a;
+    if (b != null && b !== "") return b;
+    return undefined;
+  };
+
+  const policyNumber =
+    strOrUndef(item.policyNumber, doc.extractedPolicyNumber);
+  if (!policyNumber) {
+    // Caller already guards this; the throw is a type-narrowing aid.
+    throw new Error("policyNumber required for create");
+  }
+
+  return {
+    policyNumber,
+    customerId,
+    agentName: strOrUndef(item.agentName, doc.extractedAgentName),
+    policyFrom: dateOrUndef(item.policyFrom, doc.extractedPolicyFrom),
+    policyTo: dateOrUndef(item.policyTo, doc.extractedPolicyTo),
+    policyDate: dateOrUndef(item.policyDate, doc.extractedPolicyDate),
+    currency: strOrUndef(item.currency, doc.extractedCurrency) as Currency | undefined,
+    netPremium: numOrUndef(item.netPremium, doc.extractedNetPremium),
+    policyFee: numOrUndef(item.policyFee, doc.extractedPolicyFee),
+    brokerFee: numOrUndef(item.brokerFee, doc.extractedBrokerFee),
+    total: numOrUndef(item.total, doc.extractedTotal),
+    coveragesJson:
+      item.coveragesJson !== undefined
+        ? (item.coveragesJson as Prisma.InputJsonValue)
+        : doc.extractedCoveragesJson != null
+        ? (doc.extractedCoveragesJson as Prisma.InputJsonValue)
+        : undefined,
+    observations: joinObservations(
+      doc.extractedInsuredName,
+      doc.extractedAdditionalInsured,
+      doc.extractedLegalAddress,
+      doc.extractedZip,
+      doc.extractedPremiumPayment,
+      item,
+    ),
+  };
+}
+
+function joinObservations(
+  insured: string | null,
+  additional: string | null,
+  address: string | null,
+  zip: string | null,
+  premiumPayment: string | null,
+  item: ConfirmPolicyDocumentDto,
+): string | undefined {
+  const lines: string[] = [];
+  const insuredName = strOrUndefDb(item.insuredName, insured);
+  if (insuredName) lines.push(`Asegurado: ${insuredName}`);
+  const additionalInsured = strOrUndefDb(item.additionalInsured, additional);
+  if (additionalInsured) lines.push(`Asegurado adicional: ${additionalInsured}`);
+  const legalAddress = strOrUndefDb(item.legalAddress, address);
+  if (legalAddress) lines.push(`Dirección: ${legalAddress}`);
+  const zipVal = strOrUndefDb(item.zip, zip);
+  if (zipVal) lines.push(`C.P.: ${zipVal}`);
+  const cadence = strOrUndefDb(item.premiumPayment, premiumPayment);
+  if (cadence) lines.push(`Pago de prima: ${cadence}`);
+  return lines.length ? lines.join("\n") : undefined;
+}
+
+function strOrUndefDb(a: string | undefined, b: string | null): string | undefined {
+  if (a != null && a !== "") return a;
+  if (b != null && b !== "") return b;
+  return undefined;
+}

apps/api/src/properties/properties.controller.ts

@@ -9,10 +9,16 @@ import {
   Put,
   Query,
   Req,
+  Res,
+  StreamableFile,
+  UploadedFile,
   UseGuards,
+  UseInterceptors,
 } from "@nestjs/common";
+import { FileInterceptor } from "@nestjs/platform-express";
 import { ServiceKind } from "@jorgecuadros/database";
-import { Request } from "express";
+import { Request, Response } from "express";
+import { downloadName, type UploadedFileLike } from "../storage/upload-file";
 import { AuthenticatedGuard } from "../auth/authenticated.guard";
 import { AbilityGuard } from "../auth/ability.guard";
 import { RequireAbility } from "../auth/require-ability.decorator";
@@ -196,7 +202,35 @@ export class PropertiesController {
     return this.properties.removeTrust(id);
   }
 
-  // --- documents (remove pointer only) --------------------------------------
+  // --- documents ------------------------------------------------------------
+
+  @Post(":id/documents")
+  @RequireAbility("property:update")
+  @UseInterceptors(
+    FileInterceptor("file", { limits: { fileSize: 50 * 1024 * 1024 } }),
+  )
+  addDocument(
+    @Param("id") id: string,
+    @UploadedFile() file: UploadedFileLike | undefined,
+    @Query("type") type: string | undefined,
+  ) {
+    if (!file) throw new Error("No se recibió ningún archivo.");
+    return this.properties.addDocument(id, file, type);
+  }
+
+  @Get(":id/documents/:childId/download")
+  async downloadDocument(
+    @Param("id") id: string,
+    @Param("childId") childId: string,
+    @Res({ passthrough: true }) res: Response,
+  ): Promise<StreamableFile> {
+    const { row, stream, contentType } = await this.properties.getDocument(id, childId);
+    res.set({
+      "Content-Type": contentType ?? "application/octet-stream",
+      "Content-Disposition": `attachment; filename="${downloadName(row.storageKey, row.documentType)}"`,
+    });
+    return new StreamableFile(stream);
+  }
 
   @Delete(":id/documents/:childId")
   @RequireAbility("property:update")

apps/api/src/properties/properties.service.ts

@@ -1,6 +1,9 @@
 import { Injectable, NotFoundException } from "@nestjs/common";
+import { randomUUID } from "node:crypto";
 import { Prisma, ServiceKind } from "@jorgecuadros/database";
 import { PrismaService } from "../prisma/prisma.service";
+import { StorageService } from "../storage/storage.service";
+import { extForUpload } from "../storage/upload-file";
 import { toDate } from "../common/coerce";
 import {
   CreatePropertyDto,
@@ -83,7 +86,10 @@ function daysUntil(dueDate: Date | null | undefined, from: Date): number | null
 
 @Injectable()
 export class PropertiesService {
-  constructor(private readonly prisma: PrismaService) {}
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly storage: StorageService,
+  ) {}
 
   private trustWhere(
     trust: TrustFilter | undefined,
@@ -543,16 +549,45 @@ export class PropertiesService {
   }
 
   // --- documents ------------------------------------------------------------
-  // Removing a pointer row only; uploading files needs the object-storage
-  // client wired into the API (today only the migration writes to MinIO).
+  // The blob lives in object storage (MinIO); the row is just the pointer. Keys
+  // stay under the `service/<propertyId>/…` prefix the migration established.
+
+  async addDocument(
+    propertyId: string,
+    file: { buffer: Buffer; originalname?: string; mimetype?: string },
+    documentType?: string,
+  ) {
+    await this.ensureProperty(propertyId);
+    const ext = extForUpload(file);
+    const key = `service/${propertyId}/${randomUUID()}${ext}`;
+    await this.storage.put(key, file.buffer, file.mimetype);
+    return this.prisma.serviceDocument.create({
+      data: {
+        propertyId,
+        documentType: documentType?.trim() || "DOCUMENT",
+        storageKey: key,
+      },
+    });
+  }
+
+  async getDocument(propertyId: string, id: string) {
+    const row = await this.prisma.serviceDocument.findFirst({
+      where: { id, propertyId },
+    });
+    if (!row) throw new NotFoundException(`Document ${id} not found on property ${propertyId}`);
+    const blob = await this.storage.getStream(row.storageKey);
+    return { row, ...blob };
+  }
 
   async removeDocument(propertyId: string, id: string) {
     await this.ensureProperty(propertyId);
     const row = await this.prisma.serviceDocument.findFirst({
       where: { id, propertyId },
-      select: { id: true },
+      select: { id: true, storageKey: true },
     });
     if (!row) throw new NotFoundException(`Document ${id} not found on property ${propertyId}`);
-    return this.prisma.serviceDocument.delete({ where: { id } });
+    const deleted = await this.prisma.serviceDocument.delete({ where: { id } });
+    await this.storage.delete(row.storageKey);
+    return deleted;
   }
 }

apps/api/src/renewals/renewal-email.spec.ts

@@ -0,0 +1,64 @@
+import type { RenewalLetterRow } from "../reports/renewal-letter";
+import { renderRenewalEmail } from "./renewal-email";
+
+function letter(overrides: Partial<RenewalLetterRow> = {}): RenewalLetterRow {
+  return {
+    __kind: "letter",
+    policyId: "policy-1",
+    policyNumber: "POL-123",
+    policyType: "AUTO",
+    customerName: "Ana Pérez",
+    customerEmail: "ana@example.com",
+    customerPhone: "664-111-2222",
+    customerMobile: null,
+    customerAddress: ["Calle Uno 123", "Tijuana, BC, 22000"],
+    provider: "Aseguradora Uno",
+    policyTo: "2026-09-01",
+    netPremium: "1200.00",
+    policyFee: null,
+    total: "1392.00",
+    currency: "MXN",
+    coverageDays: null,
+    cslLimit: null,
+    medicalCoverage: null,
+    propertyDamage: null,
+    perPersonLiability: null,
+    additionalService: null,
+    vehicle: null,
+    generation: 1,
+    sentAt: null,
+    ...overrides,
+  };
+}
+
+describe("renderRenewalEmail", () => {
+  it("includes policy, premium, expiration, type, and customer information", () => {
+    const result = renderRenewalEmail(letter());
+
+    expect(result.subject).toContain("POL-123");
+    expect(result.html).toContain("primer aviso");
+    expect(result.html).toContain("AUTO");
+    expect(result.html).toContain("01/09/2026");
+    expect(result.html).toContain("1,392.00");
+    expect(result.html).toContain("Ana Pérez");
+    expect(result.html).toContain("ana@example.com");
+    expect(result.html).toContain("664-111-2222");
+    expect(result.html).toContain("Calle Uno 123");
+  });
+
+  it("uses overdue wording for generation three", () => {
+    const result = renderRenewalEmail(letter({ generation: 3 }));
+
+    expect(result.subject).toContain("Póliza vencida");
+    expect(result.html).toContain("está vencida");
+  });
+
+  it("escapes customer-provided HTML", () => {
+    const result = renderRenewalEmail(
+      letter({ customerName: '<img src=x onerror="alert(1)">' }),
+    );
+
+    expect(result.html).not.toContain("<img");
+    expect(result.html).toContain("&lt;img");
+  });
+});

apps/api/src/renewals/renewal-email.ts

@@ -0,0 +1,65 @@
+import type { RenewalLetterRow } from "../reports/renewal-letter";
+
+const GENERATION_TEXT: Record<number, string> = {
+  1: "Le enviamos el primer aviso para renovar su póliza.",
+  2: "Le enviamos el segundo aviso para renovar su póliza.",
+  3: "Le informamos que su póliza está vencida.",
+};
+
+function escapeHtml(value: unknown): string {
+  return String(value ?? "")
+    .replaceAll("&", "&amp;")
+    .replaceAll("<", "&lt;")
+    .replaceAll(">", "&gt;")
+    .replaceAll('"', "&quot;")
+    .replaceAll("'", "&#039;");
+}
+
+function displayDate(value: string): string {
+  if (value === "—") return value;
+  const [year, month, day] = value.split("-");
+  return `${day}/${month}/${year}`;
+}
+
+function money(value: string | null, currency: string): string {
+  if (!value) return "No disponible";
+  return new Intl.NumberFormat("es-MX", {
+    style: "currency",
+    currency,
+    minimumFractionDigits: 2,
+  }).format(Number(value));
+}
+
+function row(label: string, value: string): string {
+  return `<tr><th style="padding:8px 12px;text-align:left;background:#f4f4f4;border:1px solid #ddd">${escapeHtml(label)}</th><td style="padding:8px 12px;border:1px solid #ddd">${escapeHtml(value)}</td></tr>`;
+}
+
+export function renderRenewalEmail(letter: RenewalLetterRow): {
+  subject: string;
+  html: string;
+} {
+  const expired = letter.generation === 3;
+  const subject = expired
+    ? `Póliza vencida: ${letter.policyNumber}`
+    : `Aviso de renovación: póliza ${letter.policyNumber}`;
+  const phone = letter.customerMobile ?? letter.customerPhone ?? "No disponible";
+  const address = letter.customerAddress.join(", ") || "No disponible";
+  const premium = letter.total ?? letter.netPremium;
+
+  const details = [
+    row("Número de póliza", letter.policyNumber),
+    row("Tipo de póliza", letter.policyType),
+    row("Aseguradora", letter.provider),
+    row("Fecha de vencimiento", displayDate(letter.policyTo)),
+    row("Prima", money(premium, letter.currency)),
+    row("Cliente", letter.customerName),
+    row("Correo", letter.customerEmail ?? "No disponible"),
+    row("Teléfono", phone),
+    row("Dirección", address),
+  ].join("");
+
+  return {
+    subject,
+    html: `<div style="font-family:Arial,sans-serif;color:#222;line-height:1.5"><p>Estimado(a) ${escapeHtml(letter.customerName)}:</p><p>${escapeHtml(GENERATION_TEXT[letter.generation] ?? "Le enviamos un aviso sobre la renovación de su póliza.")}</p><table style="border-collapse:collapse;width:100%;max-width:680px">${details}</table><p>Por favor, comuníquese con Jorge Cuadros &amp; Asociados para revisar su renovación.</p><p>Atentamente,<br>Jorge Cuadros &amp; Asociados</p></div>`,
+  };
+}

apps/api/src/renewals/renewals-log.spec.ts

@@ -0,0 +1,197 @@
+import { RenewalsService } from "./renewals.service";
+
+/**
+ * The renewal sweep's half of the unified notification log.
+ *
+ * `RenewalNotice` only records that a policy WAS notified — it has no way to
+ * say a send failed or that a customer had no address. Those rows exist only
+ * in `email_notification_log`, so they are what these tests pin down.
+ */
+
+const POLICY_ID = "policy-1";
+const CUSTOMER_ID = "cust-1";
+
+function makePolicy(email: string | null) {
+  return {
+    id: POLICY_ID,
+    policyNumber: "700442181",
+    policyTo: new Date("2026-09-01T00:00:00.000Z"),
+    netPremium: null,
+    policyFee: null,
+    total: null,
+    currency: "MXN",
+    coveragesJson: null,
+    customer: {
+      id: CUSTOMER_ID,
+      name: "ACME SA DE CV",
+      nameMissing: false,
+      email,
+      phone: null,
+      mobile: null,
+      addressLine1: null,
+      addressLine2: null,
+      city: null,
+      state: null,
+      zipCode: null,
+      country: null,
+    },
+    policyType: { name: "AUTO" },
+    insuranceProvider: { name: "GMX" },
+    vehicles: [],
+    renewalNotices: [],
+  };
+}
+
+function build(overrides: {
+  policies?: ReturnType<typeof makePolicy>[];
+  sendImpl?: () => Promise<{ messageId: string; response: string }>;
+}) {
+  const policies = overrides.policies ?? [makePolicy("cliente@example.com")];
+
+  const record = jest.fn().mockResolvedValue(undefined);
+  const send =
+    overrides.sendImpl ??
+    jest.fn().mockResolvedValue({ messageId: "ses-1", response: "{}" });
+
+  const prisma = {
+    // Only generation 1 has a candidate; the other two cadences return none,
+    // so a sweep produces exactly one outcome to assert on.
+    policy: {
+      findMany: jest
+        .fn()
+        .mockResolvedValueOnce(policies)
+        .mockResolvedValue([]),
+      findFirst: jest.fn().mockResolvedValue(policies[0]),
+    },
+    renewalNotice: { upsert: jest.fn().mockResolvedValue({}) },
+    scheduledJobState: {
+      upsert: jest.fn().mockResolvedValue({}),
+      updateMany: jest.fn().mockResolvedValue({ count: 1 }),
+      findUniqueOrThrow: jest.fn().mockResolvedValue({ lastSuccessfulAt: null }),
+      update: jest.fn().mockResolvedValue({}),
+    },
+  };
+
+  // `register` is a no-op here: these tests drive the sweep directly, so no
+  // cron job is ever installed.
+  const schedule = { register: jest.fn().mockResolvedValue(undefined) };
+  const service = new RenewalsService(
+    prisma as never,
+    { available: true, send } as never,
+    { log: jest.fn() } as never,
+    { record } as never,
+    schedule as never,
+  );
+
+  return { service, record, send, prisma };
+}
+
+describe("renewal notices write the shared notification log", () => {
+  it("records a SENT row tagged RENEWAL_NOTICE / POLICIES", async () => {
+    const { service, record, prisma } = build({});
+
+    await service.sweep("user-1");
+
+    expect(record).toHaveBeenCalledTimes(1);
+    const row = record.mock.calls[0][0];
+    expect(row).toMatchObject({
+      notificationType: "RENEWAL_NOTICE",
+      servicio: "POLICIES",
+      status: "SENT",
+      customerId: CUSTOMER_ID,
+      customerEmail: "cliente@example.com",
+      providerMessageId: "ses-1",
+      debug: false,
+    });
+    // `level` carries the aviso generation, not an alert colour.
+    expect(row.level).toBe(1);
+    expect(row.subject).toContain("700442181");
+    expect(row.bodySnapshot).toContain("ACME SA DE CV");
+    // The gating row is still written — the log does not replace it.
+    expect(prisma.renewalNotice.upsert).toHaveBeenCalledTimes(1);
+  });
+
+  it("records a FAILED row and no gating row when the send throws", async () => {
+    const { service, record, prisma } = build({
+      sendImpl: jest.fn().mockRejectedValue(new Error("SES rejected")),
+    });
+
+    const result = await service.sweep("user-1");
+
+    expect(result.sent).toBe(0);
+    expect(result.failed).toBe(1);
+    expect(record).toHaveBeenCalledTimes(1);
+    expect(record.mock.calls[0][0]).toMatchObject({
+      status: "FAILED",
+      error: "SES rejected",
+      notificationType: "RENEWAL_NOTICE",
+    });
+    // Nothing was delivered, so nothing may gate tomorrow's retry.
+    expect(prisma.renewalNotice.upsert).not.toHaveBeenCalled();
+  });
+
+  it("records SKIPPED_NO_EMAIL for a candidate with no address", async () => {
+    const { service, record, send, prisma } = build({
+      policies: [makePolicy("   ")],
+    });
+
+    const result = await service.sweep("user-1");
+
+    expect(result.skipped).toBe(1);
+    expect(send).not.toHaveBeenCalled();
+    expect(prisma.renewalNotice.upsert).not.toHaveBeenCalled();
+    expect(record.mock.calls[0][0]).toMatchObject({
+      status: "SKIPPED_NO_EMAIL",
+      customerEmail: "",
+    });
+  });
+
+  it("diverts a debug sweep and leaves the notice pending", async () => {
+    const { service, record, send, prisma } = build({});
+
+    const result = await service.sweep("user-1", { debug: true });
+
+    expect(result.sent).toBe(1);
+    expect(result.debug).toBe(true);
+    // The customer's own address is never contacted.
+    expect(jest.mocked(send).mock.calls[0][0]).toMatchObject({
+      to: "rmancinas@freakma.net",
+      xTracking: "debug",
+    });
+    expect(record.mock.calls[0][0]).toMatchObject({
+      status: "SENT",
+      customerEmail: "rmancinas@freakma.net",
+      debug: true,
+    });
+    // The letter is still owed, so nothing may gate it: no RenewalNotice row,
+    // and `lastSuccessfulAt` must not advance past the days we only tested.
+    expect(prisma.renewalNotice.upsert).not.toHaveBeenCalled();
+    const release = prisma.scheduledJobState.update.mock.calls.at(-1)?.[0];
+    expect(release.data.lastSuccessfulAt).toBeUndefined();
+  });
+
+  it("sends one notice on demand in debug without marking it sent", async () => {
+    const { service, send, prisma } = build({});
+
+    const result = await service.sendOne(POLICY_ID, 1, "user-1", {
+      debug: true,
+    });
+
+    expect(result.debug).toBe(true);
+    expect(result.to).toBe("rmancinas@freakma.net");
+    expect(send).toHaveBeenCalledTimes(1);
+    expect(prisma.renewalNotice.upsert).not.toHaveBeenCalled();
+  });
+
+  it("does not fail a delivered notice when the log write throws", async () => {
+    const { service, record } = build({});
+    record.mockRejectedValue(new Error("log table gone"));
+
+    const result = await service.sweep("user-1");
+
+    // The mail went out and the gating row was written; a lost audit row must
+    // not report that as a failure, which would re-send tomorrow.
+    expect(result.sent).toBe(1);
+    expect(result.failed).toBe(0);
+  });
+});

apps/api/src/renewals/renewals.controller.ts

@@ -0,0 +1,72 @@
+import {
+  Body,
+  Controller,
+  Get,
+  HttpCode,
+  Post,
+  Query,
+  Req,
+  UseGuards,
+} from "@nestjs/common";
+import { Request } from "express";
+import { Type } from "class-transformer";
+import { IsBoolean, IsInt, IsOptional, IsString, Max, Min } from "class-validator";
+import { AbilityGuard } from "../auth/ability.guard";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { RequireAbility } from "../auth/require-ability.decorator";
+import { RenewalsService } from "./renewals.service";
+
+/** The pólizas half of the shared "Flags del envío" panel. Only `debug`
+ *  means anything here — the day gate and the send limit are estado-de-cuenta
+ *  concepts — so the other two are simply not accepted. */
+class RenewalFlagsDto {
+  @IsOptional()
+  @IsBoolean()
+  debug?: boolean;
+}
+
+class SendRenewalDto extends RenewalFlagsDto {
+  @IsString()
+  policyId!: string;
+
+  /** 1 = 30 días antes, 2 = 15 días antes, 3 = 7 días después. */
+  @Type(() => Number)
+  @IsInt()
+  @Min(1)
+  @Max(3)
+  generation!: number;
+}
+
+@UseGuards(AuthenticatedGuard, AbilityGuard)
+@Controller("renewals")
+export class RenewalsController {
+  constructor(private readonly renewals: RenewalsService) {}
+
+  @Get("pending")
+  pending(@Query("days") days?: string) {
+    return this.renewals.pending(
+      Math.min(365, Math.max(1, Number(days) || 30)),
+    );
+  }
+
+  @Post("sweep")
+  @RequireAbility("renewal:send")
+  sweep(@Body() dto: RenewalFlagsDto, @Req() req: Request) {
+    return this.renewals.sweep((req.user as { id: string }).id, {
+      debug: dto?.debug,
+    });
+  }
+
+  /** Send a single pending notice from the /notificaciones list. */
+  @Post("send")
+  @RequireAbility("renewal:send")
+  @HttpCode(200)
+  send(@Body() dto: SendRenewalDto, @Req() req: Request) {
+    return this.renewals.sendOne(
+      dto.policyId,
+      dto.generation,
+      (req.user as { id: string }).id,
+      { debug: dto.debug },
+    );
+  }
+}

apps/api/src/renewals/renewals.module.ts

@@ -0,0 +1,15 @@
+import { Module } from "@nestjs/common";
+import { NotificationLogModule } from "../notifications/notification-log.module";
+import { NotificationScheduleModule } from "../notifications/notification-schedule.module";
+import { RenewalsController } from "./renewals.controller";
+import { RenewalsService } from "./renewals.service";
+
+@Module({
+  // Renewal sends write to the same `email_notification_log` the four bulk
+  // jobs write, so /notificaciones has one send history across both tabs, and
+  // take their cadence from the same operator-editable schedule.
+  imports: [NotificationLogModule, NotificationScheduleModule],
+  controllers: [RenewalsController],
+  providers: [RenewalsService],
+})
+export class RenewalsModule {}

apps/api/src/renewals/renewals.service.spec.ts

@@ -0,0 +1,42 @@
+import {
+  addUtcDays,
+  dateInTimeZone,
+  renewalWindow,
+  RENEWAL_CADENCE,
+} from "./renewals.service";
+
+describe("renewal scheduling dates", () => {
+  it("uses the America/Tijuana calendar date", () => {
+    expect(dateInTimeZone(new Date("2026-08-01T05:00:00.000Z"))).toEqual(
+      new Date("2026-07-31T00:00:00.000Z"),
+    );
+  });
+
+  it("maps generations to 30 days, 15 days, and 7 days overdue", () => {
+    const today = new Date("2026-08-01T00:00:00.000Z");
+
+    expect(
+      RENEWAL_CADENCE.map(({ generation, offsetDays }) => ({
+        generation,
+        target: addUtcDays(today, offsetDays).toISOString().slice(0, 10),
+      })),
+    ).toEqual([
+      { generation: 1, target: "2026-08-31" },
+      { generation: 2, target: "2026-08-16" },
+      { generation: 3, target: "2026-07-25" },
+    ]);
+  });
+
+  it("uses an inclusive catch-up window after a missed run", () => {
+    const window = renewalWindow(
+      new Date("2026-08-10T00:00:00.000Z"),
+      30,
+      new Date("2026-08-07T18:00:00.000Z"),
+    );
+
+    expect(window).toEqual({
+      from: new Date("2026-09-07T00:00:00.000Z"),
+      to: new Date("2026-09-09T00:00:00.000Z"),
+    });
+  });
+});

apps/api/src/renewals/renewals.service.ts

@@ -0,0 +1,449 @@
+import {
+  BadRequestException,
+  ConflictException,
+  Injectable,
+  Logger,
+  NotFoundException,
+  OnModuleInit,
+  ServiceUnavailableException,
+} from "@nestjs/common";
+import { AuditService } from "../common/audit.service";
+import { MailService } from "../mail/mail.service";
+import { NotificationLogService } from "../notifications/notification-log.service";
+import {
+  NotificationScheduleService,
+  SCHEDULE_TIME_ZONE,
+} from "../notifications/notification-schedule.service";
+import { DEBUG_RECIPIENT } from "../notifications/notification.types";
+import { PrismaService } from "../prisma/prisma.service";
+import {
+  RenewalLetterPolicy,
+  renewalLetterSelect,
+  toRenewalLetterRow,
+} from "../reports/renewal-letter";
+import { renderRenewalEmail } from "./renewal-email";
+
+export const RENEWAL_CADENCE = [
+  { generation: 1, offsetDays: 30 },
+  { generation: 2, offsetDays: 15 },
+  { generation: 3, offsetDays: -7 },
+] as const;
+
+const JOB_NAME = "renewal-email-sweep";
+/** The window maths runs in office time; the cadence itself is owned by
+ *  `NotificationScheduleService`, which uses the same zone. */
+const TIME_ZONE = SCHEDULE_TIME_ZONE;
+const DAY_MS = 86400000;
+
+export function dateInTimeZone(now: Date, timeZone = TIME_ZONE): Date {
+  const parts = new Intl.DateTimeFormat("en-US", {
+    timeZone,
+    year: "numeric",
+    month: "2-digit",
+    day: "2-digit",
+  }).formatToParts(now);
+  const value = (type: Intl.DateTimeFormatPartTypes) =>
+    Number(parts.find((part) => part.type === type)?.value);
+  return new Date(Date.UTC(value("year"), value("month") - 1, value("day")));
+}
+
+export function addUtcDays(date: Date, days: number): Date {
+  return new Date(date.getTime() + days * DAY_MS);
+}
+
+export function renewalWindow(
+  today: Date,
+  offsetDays: number,
+  lastSuccessfulAt?: Date | null,
+): { from: Date; to: Date } {
+  const to = addUtcDays(today, offsetDays);
+  if (!lastSuccessfulAt) return { from: to, to };
+  const previousDay = dateInTimeZone(lastSuccessfulAt);
+  if (previousDay >= today) return { from: to, to };
+  return { from: addUtcDays(previousDay, offsetDays + 1), to };
+}
+
+@Injectable()
+export class RenewalsService implements OnModuleInit {
+  private readonly logger = new Logger(RenewalsService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly mail: MailService,
+    private readonly audit: AuditService,
+    private readonly notificationLog: NotificationLogService,
+    private readonly schedule: NotificationScheduleService,
+  ) {}
+
+  /** The cadence used to be a `@Cron("0 6 * * *")` literal here; it is now
+   *  operator-editable, and the stored value defaults to that same 06:00
+   *  daily run. */
+  async onModuleInit(): Promise<void> {
+    await this.schedule.register("polizas", () => this.scheduledSweep());
+  }
+
+  /** The unattended run always sends for real: `debug` is a per-click switch
+   *  in the UI, never persisted, so the schedule cannot inherit a forgotten
+   *  test toggle and silently stop mailing customers. */
+  async scheduledSweep(): Promise<void> {
+    try {
+      await this.sweep();
+    } catch (error) {
+      this.logger.error(
+        `Falló el barrido de renovaciones: ${(error as Error).message}`,
+      );
+    }
+  }
+
+  async pending(days = 30) {
+    const today = dateInTimeZone(new Date());
+    const state = await this.prisma.scheduledJobState.findUnique({
+      where: { name: JOB_NAME },
+      select: { lastSuccessfulAt: true },
+    });
+    const cadence = RENEWAL_CADENCE.filter(
+      (item) => item.offsetDays < 0 || item.offsetDays <= days,
+    );
+    const groups = await Promise.all(
+      cadence.map(async (item) => ({
+        generation: item.generation,
+        rows: await this.findCandidates(
+          item,
+          today,
+          state?.lastSuccessfulAt ?? null,
+        ),
+      })),
+    );
+
+    return groups.flatMap(({ generation, rows }) =>
+      rows
+        .filter((policy) => Boolean(policy.customer.email?.trim()))
+        .map((policy) => toRenewalLetterRow(policy, generation)),
+    );
+  }
+
+  async sweep(userId?: string, flags: { debug?: boolean } = {}) {
+    const debug = !!flags.debug;
+    const now = new Date();
+    const state = await this.acquireLock(now);
+
+    try {
+      if (!this.mail.available) {
+        throw new ServiceUnavailableException(
+          "El servicio de correo no está configurado.",
+        );
+      }
+
+      const today = dateInTimeZone(now);
+      let eligible = 0;
+      let sent = 0;
+      let skipped = 0;
+      const failures: Array<{ policyId: string; generation: number; error: string }> = [];
+
+      for (const cadence of RENEWAL_CADENCE) {
+        const policies = await this.findCandidates(
+          cadence,
+          today,
+          state.lastSuccessfulAt,
+        );
+        eligible += policies.length;
+
+        for (const policy of policies) {
+          const to = policy.customer.email?.trim();
+          if (!to) {
+            // Logged rather than silently counted: "we had nobody to mail"
+            // is a finding the office acts on, and only the log survives the
+            // HTTP response.
+            await this.recordLog(policy, cadence.generation, "", {
+              status: "SKIPPED_NO_EMAIL",
+              debug,
+            });
+            skipped++;
+            continue;
+          }
+
+          try {
+            await this.deliver(policy, cadence.generation, to, userId, debug);
+            sent++;
+          } catch (error) {
+            failures.push({
+              policyId: policy.id,
+              generation: cadence.generation,
+              error: (error as Error).message,
+            });
+          }
+        }
+      }
+
+      const result = {
+        eligible,
+        sent,
+        skipped,
+        failed: failures.length,
+        failures,
+        debug,
+      };
+      // A debug run must not advance `lastSuccessfulAt`: it wrote no
+      // RenewalNotice rows, so the days it "covered" are still owed, and
+      // narrowing tomorrow's window back to a single day would drop them.
+      await this.releaseLock(!debug && failures.length === 0 ? now : null);
+      void this.audit.log(userId, "renewalNotice.sweep", result);
+      return result;
+    } catch (error) {
+      await this.releaseLock(null);
+      throw error;
+    }
+  }
+
+  /**
+   * Send one pending renewal notice on demand, from the /notificaciones
+   * list. Same path the sweep takes — render, send, then record the notice —
+   * so a letter sent by hand is marked exactly like a swept one and drops
+   * off the pending list. Refuses a generation already sent so a double
+   * click can't mail the customer twice.
+   *
+   * Under `debug` the notice is NOT marked as sent, so the row stays in the
+   * pending list — the customer has still not been told anything.
+   */
+  async sendOne(
+    policyId: string,
+    generation: number,
+    userId?: string,
+    flags: { debug?: boolean } = {},
+  ) {
+    const debug = !!flags.debug;
+    if (!this.mail.available) {
+      throw new ServiceUnavailableException(
+        "El servicio de correo no está configurado.",
+      );
+    }
+
+    const policy = await this.prisma.policy.findFirst({
+      where: { id: policyId, archivedAt: null },
+      select: renewalLetterSelect(generation),
+    });
+    if (!policy) {
+      throw new NotFoundException("Póliza no encontrada.");
+    }
+    if (policy.renewalNotices.some((notice) => notice.sentAt)) {
+      throw new ConflictException("Este aviso ya fue enviado.");
+    }
+    const to = policy.customer.email?.trim();
+    if (!to) {
+      throw new BadRequestException("El cliente no tiene correo registrado.");
+    }
+
+    const { sentAt, providerMessageId, addressedTo } = await this.deliver(
+      policy,
+      generation,
+      to,
+      userId,
+      debug,
+    );
+    return {
+      policyId,
+      generation,
+      // The address the mail actually went to — under debug that is the
+      // override inbox, and the UI says so rather than claiming the customer
+      // was notified.
+      to: addressedTo,
+      debug,
+      sentAt: sentAt.toISOString(),
+      providerMessageId,
+    };
+  }
+
+  /** Render + send + record one notice. Shared by the sweep and `sendOne`.
+   *
+   *  Two records come out of a send: the `RenewalNotice` row, which gates the
+   *  pending list, and an `email_notification_log` row, which is the send
+   *  history the /notificaciones "Registro de envíos" reads. A failed send
+   *  writes only the second — there is no notice to gate on — and rethrows so
+   *  the sweep counts it as a failure.
+   *
+   *  Under `debug` the mail is diverted to `DEBUG_RECIPIENT` and the
+   *  `RenewalNotice` row is deliberately skipped: the customer was not
+   *  notified, so nothing may gate the letter they are still owed. Only the
+   *  log row is written, flagged `debug`. */
+  private async deliver(
+    policy: RenewalLetterPolicy,
+    generation: number,
+    to: string,
+    userId?: string,
+    debug = false,
+  ) {
+    const letter = toRenewalLetterRow(policy, generation);
+    const message = renderRenewalEmail(letter);
+    const addressedTo = debug ? DEBUG_RECIPIENT : to;
+
+    let result: Awaited<ReturnType<MailService["send"]>>;
+    try {
+      result = await this.mail.send({
+        to: addressedTo,
+        toName: letter.customerName,
+        subject: message.subject,
+        html: message.html,
+        xTracking: debug ? "debug" : "renewals",
+      });
+    } catch (error) {
+      const detail = error instanceof Error ? error.message : String(error);
+      await this.recordLog(policy, generation, addressedTo, {
+        status: "FAILED",
+        error: detail,
+        debug,
+      });
+      throw error;
+    }
+
+    const sentAt = new Date();
+
+    if (!debug) {
+      await this.prisma.renewalNotice.upsert({
+        where: {
+          policyId_generation: { policyId: policy.id, generation },
+        },
+        create: {
+          policyId: policy.id,
+          generation,
+          channel: "EMAIL",
+          sentAt,
+          sentById: userId,
+          providerMessageId: result.messageId,
+        },
+        update: {
+          channel: "EMAIL",
+          sentAt,
+          sentById: userId,
+          providerMessageId: result.messageId,
+        },
+      });
+    }
+    await this.recordLog(policy, generation, addressedTo, {
+      status: "SENT",
+      providerMessageId: result.messageId || undefined,
+      providerResponse: result.response || undefined,
+      sendDate: sentAt,
+      debug,
+    });
+    void this.audit.log(userId, "renewalNotice.send", {
+      policyId: policy.id,
+      generation,
+      debug,
+      providerMessageId: result.messageId,
+    });
+    return { sentAt, providerMessageId: result.messageId, addressedTo };
+  }
+
+  /**
+   * Write one row to the shared notification log.
+   *
+   * Never throws: the mail is already gone (or already failed) by the time we
+   * get here, and losing the audit row must not turn a delivered notice into
+   * a reported failure — which on the SENT path would also strand the
+   * `RenewalNotice` we just wrote and re-send tomorrow.
+   */
+  private async recordLog(
+    policy: RenewalLetterPolicy,
+    generation: number,
+    /** Recipient as addressed. Empty on the SKIPPED_NO_EMAIL path — that
+     *  emptiness IS the reason the row exists. */
+    to: string,
+    outcome: {
+      status: "SENT" | "FAILED" | "SKIPPED_NO_EMAIL";
+      providerMessageId?: string;
+      providerResponse?: string;
+      error?: string;
+      sendDate?: Date;
+      debug?: boolean;
+    },
+  ): Promise<void> {
+    const letter = toRenewalLetterRow(policy, generation);
+    const message = renderRenewalEmail(letter);
+    try {
+      await this.notificationLog.record({
+        notificationType: "RENEWAL_NOTICE",
+        servicio: "POLICIES",
+        sendDate: outcome.sendDate,
+        // `level` carries the aviso generation for RENEWAL_NOTICE rows — see
+        // the column doc on the Prisma model.
+        level: generation,
+        customerId: policy.customer.id,
+        customerName: letter.customerName,
+        customerEmail: to,
+        subject: message.subject,
+        bodySnapshot: message.html,
+        status: outcome.status,
+        debug: !!outcome.debug,
+        providerMessageId: outcome.providerMessageId,
+        providerResponse: outcome.providerResponse,
+        error: outcome.error,
+      });
+    } catch (error) {
+      this.logger.warn(
+        `No se pudo registrar el aviso de renovación en el log ` +
+          `(póliza ${policy.id}, aviso ${generation}): ` +
+          `${(error as Error).message}`,
+      );
+    }
+  }
+
+  private findCandidates(
+    cadence: (typeof RENEWAL_CADENCE)[number],
+    today: Date,
+    lastSuccessfulAt: Date | null,
+  ) {
+    const window = renewalWindow(today, cadence.offsetDays, lastSuccessfulAt);
+    return this.prisma.policy.findMany({
+      where: {
+        archivedAt: null,
+        policyTo: { gte: window.from, lte: window.to },
+        customer: {
+          archivedAt: null,
+          emailOptOut: false,
+          email: { not: "" },
+        },
+        renewalNotices: {
+          none: { generation: cadence.generation, sentAt: { not: null } },
+        },
+      },
+      orderBy: [{ policyTo: "asc" }, { policyNumber: "asc" }],
+      select: renewalLetterSelect(cadence.generation),
+    });
+  }
+
+  private async acquireLock(now: Date) {
+    await this.prisma.scheduledJobState.upsert({
+      where: { name: JOB_NAME },
+      create: { name: JOB_NAME },
+      update: { updatedAt: now },
+    });
+
+    const acquired = await this.prisma.scheduledJobState.updateMany({
+      where: {
+        name: JOB_NAME,
+        OR: [{ lockedUntil: null }, { lockedUntil: { lte: now } }],
+      },
+      data: { lockedUntil: new Date(now.getTime() + 2 * 60 * 60 * 1000) },
+    });
+
+    if (acquired.count !== 1) {
+      throw new ConflictException(
+        "Ya hay un barrido de renovaciones en curso.",
+      );
+    }
+
+    return this.prisma.scheduledJobState.findUniqueOrThrow({
+      where: { name: JOB_NAME },
+    });
+  }
+
+  private async releaseLock(lastSuccessfulAt: Date | null): Promise<void> {
+    await this.prisma.scheduledJobState.update({
+      where: { name: JOB_NAME },
+      data: {
+        lockedUntil: null,
+        ...(lastSuccessfulAt && { lastSuccessfulAt }),
+      },
+    });
+  }
+}

apps/api/src/reports/company.ts

@@ -0,0 +1,103 @@
+/**
+ * Company info used on every report header (PDF + print). Read from
+ * the environment so the office can edit it without a code change —
+ * the .env.example file lists the keys; defaults below are placeholders
+ * the office should override for production.
+ *
+ * Single source of truth: the API renders the header. The web header
+ * (login + AppShell) still reads the static "Jorge Cuadros & Asociados"
+ * strings for now — those are visual brand, the API's COMPANY_INFO
+ * block is the legal/locator block on printed documents.
+ */
+
+import * as fs from "node:fs";
+import * as path from "node:path";
+
+export interface CompanyInfo {
+  name: string;
+  /** Street address — line 1. */
+  addressLine1: string;
+  /** Street address — line 2 (suite, floor, etc.). Optional. */
+  addressLine2: string;
+  /** "City, State, ZIP, Country" — single line. */
+  cityState: string;
+  phone: string;
+  email: string;
+  /** Mexican tax ID ("RFC"). Optional. */
+  taxId: string;
+  website: string;
+  /** Absolute path to the logo PNG. Null when missing — renderers fall
+   *  back to a text mark. */
+  logoPath: string | null;
+  /** Logo buffer + intrinsic size, eagerly loaded so the PDF renderer
+   *  doesn't do a sync read on every report. Null when no logo. */
+  logo: { buffer: Buffer; width: number; height: number } | null;
+}
+
+function envOr(key: string, fallback: string): string {
+  const v = process.env[key];
+  return v && v.trim() ? v : fallback;
+}
+
+function resolveLogoPath(): string | null {
+  const explicit = process.env.COMPANY_LOGO_PATH;
+  if (explicit) {
+    return fs.existsSync(explicit) ? explicit : null;
+  }
+  // Default: look in apps/api/assets/company_logo.png (copied from
+  // apps/web/public/images/company_logo.png — single canonical image
+  // kept in lock-step; see .env.example for the override path).
+  const candidates = [
+    path.resolve(__dirname, "..", "..", "assets", "company_logo.png"),
+    path.resolve(__dirname, "..", "..", "..", "web", "public", "images", "company_logo.png"),
+  ];
+  for (const c of candidates) {
+    if (fs.existsSync(c)) return c;
+  }
+  return null;
+}
+
+let cached: CompanyInfo | null = null;
+
+export function getCompanyInfo(): CompanyInfo {
+  if (cached) return cached;
+  const logoPath = resolveLogoPath();
+  let logo: CompanyInfo["logo"] = null;
+  if (logoPath) {
+    try {
+      const buf = fs.readFileSync(logoPath);
+      // Intrinsic PNG size: read IHDR (bytes 16-23 of the file).
+      // Width = BE uint32 at offset 16, height = BE uint32 at offset 20.
+      const w =
+        logoPath.endsWith(".png") && buf.length >= 24
+          ? buf.readUInt32BE(16)
+          : 0;
+      const h =
+        logoPath.endsWith(".png") && buf.length >= 24
+          ? buf.readUInt32BE(20)
+          : 0;
+      logo = { buffer: buf, width: w, height: h };
+    } catch {
+      logo = null;
+    }
+  }
+  cached = {
+    name: envOr("COMPANY_NAME", "Jorge Cuadros & Asociados"),
+    addressLine1: envOr(
+      "COMPANY_ADDRESS_LINE1",
+      "Av. Revolución 1234, Int. 5",
+    ),
+    addressLine2: envOr("COMPANY_ADDRESS_LINE2", ""),
+    cityState: envOr(
+      "COMPANY_CITY_STATE",
+      "Tijuana, Baja California 22000, México",
+    ),
+    phone: envOr("COMPANY_PHONE", "(664) 000-0000"),
+    email: envOr("COMPANY_EMAIL", "contacto@jorgecuadros.local"),
+    taxId: envOr("COMPANY_TAX_ID", ""),
+    website: envOr("COMPANY_WEBSITE", "jorgecuadros.local"),
+    logoPath,
+    logo,
+  };
+  return cached;
+}

apps/api/src/reports/outputs.ts

@@ -0,0 +1,433 @@
+/**
+ * Output renderers for the reports module.
+ *
+ * Every report's `run` returns `{ columns, rows, totals?, subtitle? }`.
+ * CSV/XLSX/PDF all derive from the same shape so adding a report = one
+ * registry entry, no per-format template.
+ *
+ * PDF uses pdfkit. The statement format (edo-cuenta-datos) uses a
+ * different layout than the tabular one — handled inline.
+ */
+
+// pdfkit exports its constructor via `module.exports = PDFDocument`, so a
+// namespace import gets the type, and `import = require()` gets the value.
+import PDFDocument = require("pdfkit");
+import * as ExcelJS from "exceljs";
+import type { ColumnDef, ReportResult } from "./reports.types";
+import { getCompanyInfo } from "./company";
+
+type Doc = PDFKit.PDFDocument;
+
+/* ----------------------------------------------------------------- CSV */
+
+function csvCell(v: unknown): string {
+  if (v === null || v === undefined) return "";
+  const s = String(v);
+  if (s.includes(",") || s.includes('"') || s.includes("\n") || s.includes("\r")) {
+    return `"${s.replace(/"/g, '""')}"`;
+  }
+  return s;
+}
+
+export function renderCsv(columns: ColumnDef[], result: ReportResult): string {
+  const headers = columns.map((c) => csvCell(c.label)).join(",");
+  const lines = result.rows.map((r) =>
+    columns
+      .map((c) => {
+        const v = r[c.key];
+        if (typeof v === "number") return v;
+        return csvCell(v);
+      })
+      .join(","),
+  );
+  const totals: string[] = [];
+  if (result.totals) {
+    for (const [k, v] of Object.entries(result.totals)) {
+      totals.push(csvCell(k), csvCell(v));
+    }
+  }
+  return [headers, ...lines, ...(totals.length ? [totals.join(",")] : [])].join(
+    "\n",
+  );
+}
+
+/* ----------------------------------------------------------------- XLSX */
+
+export async function renderXlsx(
+  columns: ColumnDef[],
+  result: ReportResult,
+): Promise<Buffer> {
+  const wb = new ExcelJS.Workbook();
+  wb.creator = "Jorge Cuadros & Asociados";
+  const ws = wb.addWorksheet("Reporte", {
+    views: [{ state: "frozen", ySplit: 1 }],
+  });
+  ws.columns = columns.map((c) => ({
+    header: c.label,
+    key: c.key,
+    width: Math.max(10, Math.min(40, (c.label.length + 2) * 1.2)),
+  }));
+  ws.getRow(1).font = { bold: true };
+  ws.getRow(1).fill = {
+    type: "pattern",
+    pattern: "solid",
+    fgColor: { argb: "FFE2EDE9" }, // brand-tint
+  };
+  for (const row of result.rows) {
+    ws.addRow(row);
+  }
+  // Number formatting for money columns.
+  for (const col of columns) {
+    if (col.type === "money" || col.type === "number") {
+      ws.getColumn(col.key).numFmt =
+        col.type === "money" ? "#,##0.00" : "#,##0";
+      ws.getColumn(col.key).alignment = { horizontal: "right" };
+    }
+  }
+  if (result.totals) {
+    const last = ws.addRow({});
+    let i = 1;
+    for (const [k, v] of Object.entries(result.totals)) {
+      const cell = ws.getCell(last.number, i);
+      cell.value = `${k}: ${v}`;
+      cell.font = { bold: true };
+      i++;
+    }
+  }
+  const buf = await wb.xlsx.writeBuffer();
+  return Buffer.from(buf);
+}
+
+/* ----------------------------------------------------------------- PDF */
+
+const BRAND = "#0c322d";
+const ACCENT = "#bf5a34";
+const MUTED = "#756c5c";
+const LINE = "#e4dccb";
+
+function fmtMoney(v: unknown): string {
+  if (v === null || v === undefined || v === "") return "";
+  const n = Number(v);
+  if (!Number.isFinite(n)) return String(v);
+  return n.toLocaleString("es-MX", { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+}
+
+function pdfRow(
+  doc: Doc,
+  y: number,
+  cols: Array<{ label: string; width: number; align?: "left" | "right" }>,
+  values: Array<{ text: string; align?: "left" | "right" }>,
+  x: number,
+): number {
+  let cx = x;
+  for (let i = 0; i < cols.length; i++) {
+    const c = cols[i];
+    const v = values[i] ?? { text: "" };
+    const align = v.align ?? c.align ?? "left";
+    const w = c.width;
+    doc
+      .font("Helvetica")
+      .fontSize(9)
+      .fillColor("#211d17")
+      .text(v.text, cx, y, {
+        width: w - 4,
+        align,
+        ellipsis: true,
+        lineBreak: false,
+        height: 16,
+      });
+    cx += w;
+  }
+  return y + 18;
+}
+
+export function renderPdf(
+  columns: ColumnDef[],
+  result: ReportResult,
+  title: string,
+): Promise<Buffer> {
+  return new Promise((resolve, reject) => {
+    const doc = new PDFDocument({
+      size: "LETTER",
+      layout: "landscape",
+      margins: { top: 96, bottom: 56, left: 48, right: 48 },
+      bufferPages: true,
+      info: {
+        Title: title,
+        Author: "Jorge Cuadros & Asociados",
+        Subject: "Reporte",
+        Creator: "Jorge Cuadros Platform — Reports module",
+      },
+    });
+    const chunks: Buffer[] = [];
+    doc.on("data", (c: Buffer) => chunks.push(c));
+    doc.on("end", () => resolve(Buffer.concat(chunks)));
+    doc.on("error", reject);
+
+    const company = getCompanyInfo();
+    const pageW = doc.page.width - 96;
+
+    /** The header is repeated on every page (via addPage + manual draw). */
+    const drawHeader = () => {
+      // Background bar (brand pine) for the masthead.
+      doc.rect(0, 0, doc.page.width, 60).fill(BRAND);
+
+      // Logo, fitted to a 40px box, with 8px padding.
+      let textX = 48;
+      if (company.logo) {
+        const targetH = 40;
+        const scale = targetH / company.logo.height;
+        const w = company.logo.width * scale;
+        doc.image(company.logo.buffer, 48, 10, { height: targetH });
+        textX = 48 + w + 14;
+      }
+
+      // Company name (large) + "Reporte" tag below it.
+      doc
+        .fillColor("#f5f1e8")
+        .font("Helvetica-Bold")
+        .fontSize(15)
+        .text(company.name, textX, 14, { width: pageW - (textX - 48), lineBreak: false });
+      doc
+        .font("Helvetica")
+        .fontSize(8)
+        .fillColor("#cde0db")
+        .text("Reporte", textX, 36, { lineBreak: false });
+
+      // Right-aligned company locator (address + phone + email).
+      const rightLines = [
+        company.addressLine1,
+        company.addressLine2,
+        [company.cityState].filter(Boolean).join(" · "),
+        [company.phone, company.email].filter(Boolean).join(" · "),
+        company.taxId ? `RFC: ${company.taxId}` : "",
+      ].filter(Boolean);
+      doc.font("Helvetica").fontSize(8).fillColor("#cde0db");
+      let ry = 12;
+      for (const line of rightLines) {
+        doc.text(line, 48, ry, {
+          width: pageW,
+          align: "right",
+          lineBreak: false,
+          ellipsis: true,
+        });
+        ry += 10;
+      }
+
+      // Thin accent line under the masthead.
+      doc.rect(0, 60, doc.page.width, 2).fill(ACCENT);
+
+      // Title + subtitle + printed-at.
+      doc
+        .font("Helvetica-Bold")
+        .fontSize(15)
+        .fillColor(BRAND)
+        .text(title, 48, 72, { lineBreak: false });
+      let metaY = 92;
+      if (result.subtitle) {
+        doc
+          .font("Helvetica")
+          .fontSize(9)
+          .fillColor(MUTED)
+          .text(result.subtitle, 48, metaY, { lineBreak: false });
+        metaY += 12;
+      }
+      const printedAt = new Date().toLocaleString("es-MX");
+      doc
+        .font("Helvetica")
+        .fontSize(8)
+        .fillColor(MUTED)
+        .text(`Impreso: ${printedAt}`, 48, metaY, { lineBreak: false });
+    };
+
+    drawHeader();
+
+    // Column widths: distribute page width minus margins, weighted.
+    const totalW = columns.reduce((s, c) => s + (c.width ?? 12), 0);
+    const cols = columns.map((c) => ({
+      label: c.label,
+      width: ((c.width ?? 12) / totalW) * pageW,
+      align: c.align,
+    }));
+
+    let y = 130;
+    const drawTableHeader = () => {
+      doc.rect(48, y, pageW, 18).fill("#faf6ee");
+      y = pdfRow(
+        doc,
+        y + 4,
+        cols,
+        cols.map((c) => ({ text: c.label, align: c.align })),
+        48,
+      );
+      doc
+        .moveTo(48, y)
+        .lineTo(48 + pageW, y)
+        .strokeColor(LINE)
+        .lineWidth(0.5)
+        .stroke();
+    };
+    drawTableHeader();
+
+    // Body rows.
+    for (const r of result.rows) {
+      if (y > doc.page.height - 64) {
+        doc.addPage({ layout: "landscape", margins: { top: 96, bottom: 56, left: 48, right: 48 } });
+        drawHeader();
+        y = 130;
+        drawTableHeader();
+      }
+      const vals = columns.map((c) => {
+        const v = r[c.key];
+        const text = c.type === "money" ? fmtMoney(v) : v == null ? "" : String(v);
+        return { text, align: c.align };
+      });
+      y = pdfRow(doc, y + 4, cols, vals, 48);
+      doc
+        .moveTo(48, y)
+        .lineTo(48 + pageW, y)
+        .strokeColor("#e4dccb")
+        .lineWidth(0.4)
+        .stroke();
+    }
+
+    // Totals.
+    if (result.totals) {
+      y += 6;
+      doc.rect(48, y, pageW, 18).fill(ACCENT);
+      doc
+        .font("Helvetica-Bold")
+        .fontSize(9)
+        .fillColor("#f5f1e8")
+        .text(
+          Object.entries(result.totals)
+            .map(([k, v]) => `${k}: ${v}`)
+            .join("   ·   "),
+          52,
+          y + 5,
+          { width: pageW - 8, align: "left" },
+        );
+    }
+
+    doc.end();
+  });
+}
+
+/* ----------------------------------------------------------------- print (HTML) */
+
+/**
+ * Print-stylesheet-friendly HTML. The web app's print stylesheet hides
+ * nav, but otherwise this is a plain table the browser paginates itself.
+ *
+ * The header carries the company info (logo + name + locator) so printed
+ * pages stand alone — staff can hand one to a customer and the office
+ * identification is on every sheet, not buried in the cover page.
+ */
+export function renderPrintHtml(
+  columns: ColumnDef[],
+  result: ReportResult,
+  title: string,
+): string {
+  const company = getCompanyInfo();
+  const head = (label: string, align?: "left" | "right") =>
+    `<th style="text-align:${align ?? "left"};padding:6px 8px;border-bottom:2px solid #0c322d;background:#faf6ee;font-size:11px">${escapeHtml(label)}</th>`;
+  const cell = (v: unknown, c: ColumnDef) => {
+    const text = c.type === "money" ? fmtMoney(v) : v == null ? "" : String(v);
+    const align = c.align ?? "left";
+    return `<td style="text-align:${align};padding:4px 8px;border-bottom:1px solid #e4dccb;font-size:11px;${c.type === "money" ? "font-variant-numeric:tabular-nums" : ""}">${escapeHtml(text)}</td>`;
+  };
+  const rows = result.rows
+    .map(
+      (r) =>
+        `<tr>${columns
+          .map((c) => cell(r[c.key], c))
+          .join("")}</tr>`,
+    )
+    .join("");
+  const totals = result.totals
+    ? `<tr><td colspan="${columns.length}" style="padding:8px;background:#bf5a34;color:#f5f1e8;font-weight:600;font-size:11px">${Object.entries(
+        result.totals,
+      )
+        .map(([k, v]) => `${escapeHtml(k)}: ${escapeHtml(String(v))}`)
+        .join(" &nbsp;·&nbsp; ")}</td></tr>`
+    : "";
+
+  // Logo embedded as base64 data URL — the print page is opened as a
+  // new tab and printed standalone, so a relative path to the web app
+  // wouldn't resolve when launched outside the web's origin.
+  const logoDataUrl = company.logo
+    ? `data:image/png;base64,${company.logo.buffer.toString("base64")}`
+    : null;
+
+  const locatorLines = [
+    company.addressLine1,
+    company.addressLine2,
+    company.cityState,
+    [company.phone, company.email].filter(Boolean).join(" · "),
+    company.taxId ? `RFC: ${company.taxId}` : "",
+  ].filter(Boolean);
+
+  return `<!doctype html>
+<html lang="es"><head>
+<meta charset="utf-8" />
+<title>${escapeHtml(title)} — ${escapeHtml(company.name)}</title>
+<style>
+  @page { size: letter landscape; margin: 0.5in; }
+  body { font-family: -apple-system, "Helvetica Neue", Helvetica, Arial, sans-serif; color: #211d17; margin: 0; }
+  .masthead { display: flex; align-items: flex-start; gap: 16px; padding: 12px 16px; background: #0c322d; color: #f5f1e8; border-radius: 6px 6px 0 0; }
+  .masthead-logo { flex: 0 0 auto; }
+  .masthead-logo img { display: block; height: 56px; width: auto; }
+  .masthead-text { flex: 1; min-width: 0; }
+  .masthead-name { font-family: Georgia, "Times New Roman", serif; font-size: 20px; font-weight: 600; line-height: 1.1; }
+  .masthead-tag { font-size: 11px; color: #cde0db; margin-top: 2px; text-transform: uppercase; letter-spacing: 0.06em; }
+  .masthead-locator { font-size: 10px; color: #cde0db; text-align: right; line-height: 1.35; white-space: nowrap; }
+  .accent { height: 3px; background: #bf5a34; }
+  .head { padding: 12px 4px 8px; }
+  .head h1 { font-family: Georgia, "Times New Roman", serif; font-size: 18px; margin: 0; color: #0c322d; }
+  .head p  { font-size: 11px; color: #756c5c; margin: 2px 0 0; }
+  table { width: 100%; border-collapse: collapse; }
+  @media print {
+    .noprint { display: none; }
+    .masthead { border-radius: 0; }
+  }
+  .noprint { padding: 8px 0; }
+  .noprint button { padding: 6px 12px; background: #0c322d; color: #f5f1e8; border: 0; border-radius: 4px; cursor: pointer; font-size: 12px; }
+  .footer { margin-top: 16px; font-size: 9px; color: #756c5c; border-top: 1px solid #e4dccb; padding-top: 6px; display: flex; justify-content: space-between; }
+</style>
+</head><body>
+<div class="noprint"><button onclick="window.print()">Imprimir / Guardar PDF</button></div>
+<div class="masthead">
+  ${logoDataUrl ? `<div class="masthead-logo"><img src="${logoDataUrl}" alt="" /></div>` : ""}
+  <div class="masthead-text">
+    <div class="masthead-name">${escapeHtml(company.name)}</div>
+    <div class="masthead-tag">Reporte</div>
+  </div>
+  <div class="masthead-locator">
+    ${locatorLines.map((l) => escapeHtml(l)).join("<br/>")}
+    ${company.website ? `<br/>${escapeHtml(company.website)}` : ""}
+  </div>
+</div>
+<div class="accent"></div>
+<div class="head">
+  <h1>${escapeHtml(title)}</h1>
+  ${result.subtitle ? `<p>${escapeHtml(result.subtitle)}</p>` : ""}
+  <p>Impreso: ${new Date().toLocaleString("es-MX")}</p>
+</div>
+<table>
+  <thead><tr>${columns.map((c) => head(c.label, c.align)).join("")}</tr></thead>
+  <tbody>${rows}${totals}</tbody>
+</table>
+<div class="footer">
+  <span>${escapeHtml(company.name)} · ${escapeHtml(company.phone)} · ${escapeHtml(company.email)}</span>
+  <span>${escapeHtml(title)}</span>
+</div>
+</body></html>`;
+}
+
+function escapeHtml(s: string): string {
+  return s
+    .replace(/&/g, "&amp;")
+    .replace(/</g, "&lt;")
+    .replace(/>/g, "&gt;")
+    .replace(/"/g, "&quot;");
+}

apps/api/src/reports/renewal-letter.ts

@@ -0,0 +1,141 @@
+import { Prisma } from "@jorgecuadros/database";
+
+export function renewalLetterSelect(generation: number) {
+  return Prisma.validator<Prisma.PolicySelect>()({
+    id: true,
+    policyNumber: true,
+    policyTo: true,
+    netPremium: true,
+    policyFee: true,
+    total: true,
+    currency: true,
+    coveragesJson: true,
+    customer: {
+      select: {
+        // Needed by the notification log's customerId FK, not by the letter.
+        id: true,
+        name: true,
+        nameMissing: true,
+        email: true,
+        phone: true,
+        mobile: true,
+        addressLine1: true,
+        addressLine2: true,
+        city: true,
+        state: true,
+        zipCode: true,
+        country: true,
+      },
+    },
+    policyType: { select: { name: true } },
+    insuranceProvider: { select: { name: true } },
+    vehicles: {
+      take: 1,
+      select: {
+        make: true,
+        model: true,
+        modelYear: true,
+        bodyType: true,
+        engineNumber: true,
+        licensePlate: true,
+      },
+    },
+    renewalNotices: {
+      where: { generation },
+      select: { sentAt: true, channel: true },
+    },
+  });
+}
+
+export type RenewalLetterPolicy = Prisma.PolicyGetPayload<{
+  select: ReturnType<typeof renewalLetterSelect>;
+}>;
+
+export interface RenewalLetterRow extends Record<string, unknown> {
+  __kind: "letter";
+  policyId: string;
+  policyNumber: string;
+  policyType: string;
+  customerName: string;
+  customerEmail: string | null;
+  customerPhone: string | null;
+  customerMobile: string | null;
+  customerAddress: string[];
+  provider: string;
+  policyTo: string;
+  netPremium: string | null;
+  policyFee: string | null;
+  total: string | null;
+  currency: string;
+  coverageDays: unknown;
+  cslLimit: unknown;
+  medicalCoverage: unknown;
+  propertyDamage: unknown;
+  perPersonLiability: unknown;
+  additionalService: unknown;
+  vehicle: {
+    make: string | null;
+    model: string | null;
+    modelYear: string | null;
+    bodyType: string | null;
+    engineNumber: string | null;
+    licensePlate: string | null;
+  } | null;
+  generation: number;
+  sentAt: string | null;
+}
+
+export function toRenewalLetterRow(
+  policy: RenewalLetterPolicy,
+  generation: number,
+): RenewalLetterRow {
+  const notice = policy.renewalNotices[0];
+  const coverage = (policy.coveragesJson ?? {}) as Record<string, unknown>;
+  const address = [
+    policy.customer.addressLine1,
+    policy.customer.addressLine2,
+    [policy.customer.city, policy.customer.state, policy.customer.zipCode]
+      .filter(Boolean)
+      .join(", "),
+    policy.customer.country,
+  ].filter((part): part is string => Boolean(part));
+
+  return {
+    __kind: "letter",
+    policyId: policy.id,
+    policyNumber: policy.policyNumber,
+    policyType: policy.policyType?.name ?? "—",
+    customerName: policy.customer.nameMissing ? "(sin nombre)" : policy.customer.name,
+    customerEmail: policy.customer.email,
+    customerPhone: policy.customer.phone,
+    customerMobile: policy.customer.mobile,
+    customerAddress: address,
+    provider: policy.insuranceProvider?.name ?? "—",
+    policyTo: policy.policyTo ? policy.policyTo.toISOString().slice(0, 10) : "—",
+    netPremium: policy.netPremium ? policy.netPremium.toFixed(2) : null,
+    policyFee: policy.policyFee ? policy.policyFee.toFixed(2) : null,
+    total: policy.total ? policy.total.toFixed(2) : null,
+    currency: policy.currency,
+    coverageDays: coverage.cobertura ?? null,
+    cslLimit: coverage.csl_limite ?? null,
+    medicalCoverage: coverage.gastos_medico ?? null,
+    propertyDamage: coverage.propiedades ?? null,
+    perPersonLiability: coverage.personas ?? null,
+    additionalService:
+      coverage.servicio_adicional ?? coverage.servicio_adiconal ?? null,
+    vehicle: policy.vehicles[0]
+      ? {
+          make: policy.vehicles[0].make,
+          model: policy.vehicles[0].model,
+          modelYear: policy.vehicles[0].modelYear,
+          bodyType: policy.vehicles[0].bodyType,
+          engineNumber: policy.vehicles[0].engineNumber,
+          licensePlate: policy.vehicles[0].licensePlate,
+        }
+      : null,
+    generation,
+    sentAt: notice?.sentAt
+      ? notice.sentAt.toISOString().slice(0, 10)
+      : null,
+  };
+}

apps/api/src/reports/reports.controller.ts

@@ -0,0 +1,130 @@
+import {
+  Body,
+  Controller,
+  Get,
+  Header,
+  Param,
+  Post,
+  Query,
+  Res,
+  UseGuards,
+} from "@nestjs/common";
+import type { Response } from "express";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { ReportsService } from "./reports.service";
+import {
+  renderCsv,
+  renderPdf,
+  renderPrintHtml,
+  renderXlsx,
+} from "./outputs";
+import { findReport } from "./reports.registry";
+
+/**
+ * Reports routes. Every report is dispatched by slug; outputs are
+ * differentiated by `?format=...` (default `json`). Reads only — gated
+ * by AuthenticatedGuard alone, like every other read in the app.
+ */
+@UseGuards(AuthenticatedGuard)
+@Controller("reports")
+export class ReportsController {
+  constructor(private readonly reports: ReportsService) {}
+
+  /** Catalog of all registered reports (the /reportes index). */
+  @Get()
+  catalog() {
+    return { items: this.reports.catalog() };
+  }
+
+  /** Run a report and return the JSON result (rows + totals + the def's columns). */
+  @Get(":slug")
+  async runJson(
+    @Param("slug") slug: string,
+    @Query() query: Record<string, string | undefined>,
+  ) {
+    const def = findReport(slug);
+    const result = await this.reports.run(slug, query);
+    return { ...result, columns: def?.columns ?? [] };
+  }
+
+  /** CSV download. */
+  @Get(":slug/csv")
+  @Header("Content-Type", "text/csv; charset=utf-8")
+  async runCsv(
+    @Param("slug") slug: string,
+    @Query() query: Record<string, string | undefined>,
+    @Res() res: Response,
+  ) {
+    const def = findReport(slug);
+    const result = await this.reports.run(slug, query);
+    const filename = `${def?.title ?? slug}-${new Date().toISOString().slice(0, 10)}.csv`;
+    res.setHeader(
+      "Content-Disposition",
+      `attachment; filename="${filename.replace(/[^\wÀ-ſ .-]/g, "_")}"`,
+    );
+    res.send(renderCsv(def?.columns ?? [], result));
+  }
+
+  /** XLSX download. */
+  @Get(":slug/xlsx")
+  async runXlsx(
+    @Param("slug") slug: string,
+    @Query() query: Record<string, string | undefined>,
+    @Res() res: Response,
+  ) {
+    const def = findReport(slug);
+    const result = await this.reports.run(slug, query);
+    const filename = `${def?.title ?? slug}-${new Date().toISOString().slice(0, 10)}.xlsx`;
+    const buf = await renderXlsx(def?.columns ?? [], result);
+    res.setHeader(
+      "Content-Type",
+      "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet",
+    );
+    res.setHeader(
+      "Content-Disposition",
+      `attachment; filename="${filename.replace(/[^\wÀ-ſ .-]/g, "_")}"`,
+    );
+    res.send(buf);
+  }
+
+  /** PDF download. */
+  @Get(":slug/pdf")
+  async runPdf(
+    @Param("slug") slug: string,
+    @Query() query: Record<string, string | undefined>,
+    @Res() res: Response,
+  ) {
+    const def = findReport(slug);
+    const result = await this.reports.run(slug, query);
+    const buf = await renderPdf(def?.columns ?? [], result, def?.title ?? slug);
+    const filename = `${def?.title ?? slug}-${new Date().toISOString().slice(0, 10)}.pdf`;
+    res.setHeader("Content-Type", "application/pdf");
+    res.setHeader(
+      "Content-Disposition",
+      `attachment; filename="${filename.replace(/[^\wÀ-ſ .-]/g, "_")}"`,
+    );
+    res.send(buf);
+  }
+
+  /** Browser-printable HTML view (the user hits Print → Save as PDF). */
+  @Get(":slug/print")
+  @Header("Content-Type", "text/html; charset=utf-8")
+  async runPrint(
+    @Param("slug") slug: string,
+    @Query() query: Record<string, string | undefined>,
+  ) {
+    const def = findReport(slug);
+    const result = await this.reports.run(slug, query);
+    return renderPrintHtml(def?.columns ?? [], result, def?.title ?? slug);
+  }
+
+  /** POST a customer-picker-driven report (statement). Mirrors GET to keep
+   *  the param contract simple: same body shape, same response. */
+  @Post(":slug")
+  async runPost(
+    @Param("slug") slug: string,
+    @Body() body: Record<string, string | undefined>,
+  ) {
+    return this.reports.run(slug, body);
+  }
+}

apps/api/src/reports/reports.module.ts

@@ -0,0 +1,9 @@
+import { Module } from "@nestjs/common";
+import { ReportsController } from "./reports.controller";
+import { ReportsService } from "./reports.service";
+
+@Module({
+  controllers: [ReportsController],
+  providers: [ReportsService],
+})
+export class ReportsModule {}

apps/api/src/reports/reports.service.ts

@@ -0,0 +1,45 @@
+import { Injectable, NotFoundException } from "@nestjs/common";
+import { PrismaService } from "../prisma/prisma.service";
+import { findReport, REPORTS } from "./reports.registry";
+import type { ReportDef } from "./reports.types";
+
+/**
+ * The reports service. Two responsibilities:
+ *  1. Run a report by slug with the given params — just dispatch.
+ *  2. Return the catalog for the /reportes index page.
+ *
+ * Output rendering (CSV/XLSX/PDF/HTML print) lives in `outputs.ts`; this
+ * service is data only. The controller maps URLs to (slug, format) and
+ * hands the result to outputs.
+ */
+@Injectable()
+export class ReportsService {
+  constructor(private readonly prisma: PrismaService) {}
+
+  /** List every registered report, in display order. */
+  catalog(): Array<{
+    slug: string;
+    title: string;
+    description: string;
+    domain: string;
+    legacyName: string | null;
+    format: string;
+    params: ReportDef["params"];
+  }> {
+    return REPORTS.map((r) => ({
+      slug: r.slug,
+      title: r.title,
+      description: r.description,
+      domain: r.domain,
+      legacyName: r.legacyName,
+      format: r.format,
+      params: r.params,
+    }));
+  }
+
+  async run(slug: string, params: Record<string, string | undefined>) {
+    const def = findReport(slug);
+    if (!def) throw new NotFoundException(`Reporte "${slug}" no encontrado`);
+    return def.run(this.prisma, params);
+  }
+}

apps/api/src/reports/reports.types.ts

@@ -0,0 +1,142 @@
+/**
+ * The reports module — plan step 10.
+ *
+ * Each "report" is one entry in `reports.registry.ts`. The entry declares
+ * its slug (URL id), title, what filters it accepts, what columns it
+ * returns, and a `run` function that produces the data from Prisma. The
+ * service dispatches on slug; the controller exposes JSON + CSV + XLSX +
+ * PDF + HTML print; the catalog endpoint exposes the registry itself so
+ * the `/reportes` page can render the same data.
+ *
+ * Output philosophy: a report returns a uniform shape — `columns` (typed
+ * schema) + `rows` (any[] of values matching the column types) + `totals`
+ * (record of column key → summary value). All three output formats
+ * (CSV/XLSX/PDF/print) derive from this same shape so adding a new
+ * report is one entry, never a per-format template.
+ */
+
+import { Prisma } from "@jorgecuadros/database";
+import { PrismaService } from "../prisma/prisma.service";
+
+/** Top-level grouping for the catalog page; matches the existing nav. */
+export type ReportDomain =
+  | "clientes"
+  | "polizas"
+  | "servicios"
+  | "estado-cuenta"
+  | "chequera";
+
+/** How the runner should render rows: a grid, a per-customer statement, or
+ *  one printable letter per row (e.g. renewal notices — see `format:
+ *  "letter"` reports for the `__kind: "letter"` row shape they emit). */
+export type ReportFormat = "tabular" | "statement" | "letter";
+
+/** Filter controls the report's UI should render. */
+export type ParamDef =
+  | {
+      key: string;
+      label: string;
+      kind: "text" | "number";
+      placeholder?: string;
+      defaultValue?: string;
+    }
+  | {
+      key: string;
+      label: string;
+      kind: "date";
+      /** Inclusive bound, true for `to`, false for `from`. */
+      endOfDay?: boolean;
+      defaultValue?: string;
+    }
+  | {
+      key: string;
+      label: string;
+      kind: "select";
+      options: { value: string; label: string }[];
+      defaultValue?: string;
+    }
+  | {
+      key: string;
+      label: string;
+      kind: "customer-picker";
+    };
+
+/** One column of the output table. */
+export interface ColumnDef {
+  key: string;
+  label: string;
+  /** Render hint for the on-screen + print table. */
+  type: "text" | "number" | "money" | "date";
+  /** Right-align numbers/money; default false (left). */
+  align?: "left" | "right";
+  /** Used for column-width hints in the print/PDF layout. */
+  width?: number;
+}
+
+/** Shape every report's `run` resolves to. Columns come from the def. */
+export interface ReportResult {
+  rows: Array<Record<string, unknown>>;
+  totals?: Record<string, string | number>;
+  /** Optional free-form subtitle for print/PDF (e.g. date range, scope). */
+  subtitle?: string;
+}
+
+/** A report's static declaration. */
+export interface ReportDef {
+  slug: string;
+  title: string;
+  description: string;
+  domain: ReportDomain;
+  /** The original Access report name (per docs/LEGACY_DATABASES_OBJECTS.md)
+   *  for traceability. Null when this is a new report with no legacy equiv. */
+  legacyName: string | null;
+  format: ReportFormat;
+  params: ParamDef[];
+  columns: ColumnDef[];
+  /**
+   * Run the report. Receives the Prisma client and the validated params
+   * record (keys are the `key` from ParamDef, values are the strings the
+   * runner collected; numeric/date params arrive as strings — the report
+   * parses them). Must apply the same NOT_VOIDED filter on transactions as
+   * the billing module so totals match.
+   */
+  run: (
+    prisma: PrismaService,
+    params: Record<string, string | undefined>,
+  ) => Promise<ReportResult>;
+}
+
+/** A typed bag of helpers for the report functions. */
+export interface ReportCtx {
+  prisma: PrismaService;
+  params: Record<string, string | undefined>;
+}
+
+/** Helper: a `YYYY-MM-DD` bound; unparseable is undefined. */
+export function parseDate(
+  v: string | undefined,
+  endOfDay = false,
+): Date | undefined {
+  if (!v) return undefined;
+  const d = new Date(endOfDay ? `${v}T23:59:59.999Z` : `${v}T00:00:00.000Z`);
+  return Number.isNaN(d.getTime()) ? undefined : d;
+}
+
+/** Helper: integer param with default. */
+export function intParam(
+  p: Record<string, string | undefined>,
+  key: string,
+  def: number,
+  min = 1,
+  max = 1000,
+): number {
+  const n = Number(p[key]);
+  if (!Number.isFinite(n)) return def;
+  return Math.min(max, Math.max(min, Math.round(n)));
+}
+
+/** Helper: not-voided filter, shared with billing.service. */
+export const NOT_VOIDED: Prisma.TransactionWhereInput = { voidedAt: null };
+export const NOT_VOIDED_BANK: Prisma.BankTransactionWhereInput = {
+  voidedAt: null,
+};

apps/api/src/settings/settings.module.ts

@@ -0,0 +1,14 @@
+import { Module } from "@nestjs/common";
+import { SettingsService } from "./settings.service";
+
+/**
+ * Operator-editable configuration. No controller of its own — each setting is
+ * exposed by the feature that owns it (summary recipients live under
+ * /notifications), so the validation and the permission live next to the
+ * thing they protect rather than behind a generic key/value endpoint.
+ */
+@Module({
+  providers: [SettingsService],
+  exports: [SettingsService],
+})
+export class SettingsModule {}

apps/api/src/settings/settings.service.spec.ts

@@ -0,0 +1,89 @@
+import { SettingsService, invalidEmails, parseEmailList } from "./settings.service";
+
+/**
+ * The db → env → default ladder is the whole contract of this service: it is
+ * what lets the setting move out of the environment without changing how any
+ * existing deployment behaves.
+ */
+
+function build(row: { value: string } | null, env?: string) {
+  const prisma = {
+    appSetting: {
+      findUnique: jest.fn().mockResolvedValue(
+        row ? { key: "k", updatedAt: new Date("2026-08-02"), updatedById: "u1", ...row } : null,
+      ),
+      upsert: jest.fn().mockResolvedValue({}),
+    },
+  };
+  const config = { get: jest.fn().mockReturnValue(env) };
+  return {
+    service: new SettingsService(prisma as never, config as never),
+    prisma,
+  };
+}
+
+describe("notification admin emails resolve db > env > default", () => {
+  it("prefers the stored row", async () => {
+    const { service } = build({ value: "a@x.com,b@x.com" }, "env@x.com");
+
+    await expect(service.notificationAdminEmails()).resolves.toMatchObject({
+      value: ["a@x.com", "b@x.com"],
+      source: "db",
+      updatedById: "u1",
+    });
+  });
+
+  it("falls back to the environment when nothing is stored", async () => {
+    const { service } = build(null, "env@x.com, other@x.com");
+
+    await expect(service.notificationAdminEmails()).resolves.toMatchObject({
+      value: ["env@x.com", "other@x.com"],
+      source: "env",
+    });
+  });
+
+  it("falls back to the built-in defaults when neither is set", async () => {
+    const { service } = build(null, undefined);
+
+    const resolved = await service.notificationAdminEmails();
+    expect(resolved.source).toBe("default");
+    expect(resolved.value).toHaveLength(2);
+  });
+
+  it("treats a stored empty list as 'nobody', not as unset", async () => {
+    // The regression this guards: falling through to env/defaults here would
+    // keep mailing people who were deliberately removed.
+    const { service } = build({ value: "" }, "env@x.com");
+
+    await expect(service.notificationAdminEmails()).resolves.toMatchObject({
+      value: [],
+      source: "db",
+    });
+  });
+
+  it("writes the list back as CSV", async () => {
+    const { service, prisma } = build({ value: "" });
+
+    await service.setNotificationAdminEmails(["a@x.com", "b@x.com"], "user-9");
+
+    expect(prisma.appSetting.upsert).toHaveBeenCalledWith(
+      expect.objectContaining({
+        create: expect.objectContaining({ value: "a@x.com,b@x.com", updatedById: "user-9" }),
+        update: expect.objectContaining({ value: "a@x.com,b@x.com", updatedById: "user-9" }),
+      }),
+    );
+  });
+});
+
+describe("email list parsing", () => {
+  it("trims and drops blanks", () => {
+    expect(parseEmailList(" a@x.com , ,b@x.com ")).toEqual(["a@x.com", "b@x.com"]);
+  });
+
+  it("rejects entries that are not addresses at all", () => {
+    expect(invalidEmails(["ok@x.com", "nope", "also@bad"])).toEqual([
+      "nope",
+      "also@bad",
+    ]);
+  });
+});

apps/api/src/settings/settings.service.ts

@@ -0,0 +1,183 @@
+import { Injectable, Logger } from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import { PrismaService } from "../prisma/prisma.service";
+
+/**
+ * Reader/writer for `app_settings` — the configuration staff can change
+ * without a redeploy.
+ *
+ * Every setting resolves through the same three-step ladder: the database row
+ * if an operator has set one, else the environment variable it used to live
+ * in, else a hardcoded default. That ordering is what makes this migration
+ * safe — an existing deployment keeps behaving exactly as it did until
+ * somebody edits the value in the UI, and `source` tells the UI which of the
+ * three it is looking at so "this came from the env, editing it here will
+ * take over" is visible rather than surprising.
+ */
+
+export const SETTING_KEYS = {
+  /** Comma-separated recipients of the per-job notification summary. */
+  notificationAdminEmails: "notification.adminEmails",
+  /** JSON cadence of the automatic servicios sweep. */
+  scheduleServicios: "notification.schedule.servicios",
+  /** JSON cadence of the automatic pólizas renewal sweep. */
+  schedulePolizas: "notification.schedule.polizas",
+} as const;
+
+/** Where a resolved value came from. Shown in the UI. */
+export type SettingSource = "db" | "env" | "default";
+
+export interface ResolvedSetting<T> {
+  value: T;
+  source: SettingSource;
+  updatedAt: Date | null;
+  updatedById: string | null;
+}
+
+/** Last resort when neither the database nor the environment says otherwise.
+ *  Matches what `NotificationsService` hardcoded before this table existed. */
+const DEFAULT_ADMIN_EMAILS = ["rmancinas@freakma.net", "mpulido@freakma.net"];
+
+/** Deliberately permissive — this rejects "not an address at all", not
+ *  "not deliverable". Only SES can tell us the latter, and a validator strict
+ *  enough to argue with is a validator that blocks a legitimate address. */
+const EMAIL_RE = /^[^\s@,]+@[^\s@,]+\.[^\s@,]+$/;
+
+export function parseEmailList(raw: string): string[] {
+  return raw
+    .split(",")
+    .map((s) => s.trim())
+    .filter(Boolean);
+}
+
+export function invalidEmails(list: string[]): string[] {
+  return list.filter((e) => !EMAIL_RE.test(e));
+}
+
+@Injectable()
+export class SettingsService {
+  private readonly logger = new Logger(SettingsService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly config: ConfigService,
+  ) {}
+
+  /**
+   * Recipients of the per-job summary email.
+   *
+   * Read on every send rather than cached at boot: the point of moving this
+   * out of the environment was that it changes while the app is running, and
+   * a cache would reintroduce exactly the restart-to-apply behaviour we are
+   * removing. It is one indexed primary-key lookup per sweep, not per email.
+   */
+  async notificationAdminEmails(): Promise<ResolvedSetting<string[]>> {
+    const row = await this.read(SETTING_KEYS.notificationAdminEmails);
+    if (row) {
+      const parsed = parseEmailList(row.value);
+      // An empty stored value is a legitimate choice — "send no summaries" —
+      // and must not silently fall through to the env or the defaults, or an
+      // operator who cleared the field would keep receiving mail.
+      return {
+        value: parsed,
+        source: "db",
+        updatedAt: row.updatedAt,
+        updatedById: row.updatedById,
+      };
+    }
+
+    const env = this.config.get<string>("NOTIFICATION_ADMIN_EMAILS");
+    if (env && env.trim()) {
+      return {
+        value: parseEmailList(env),
+        source: "env",
+        updatedAt: null,
+        updatedById: null,
+      };
+    }
+
+    return {
+      value: [...DEFAULT_ADMIN_EMAILS],
+      source: "default",
+      updatedAt: null,
+      updatedById: null,
+    };
+  }
+
+  /** Persist the summary recipients. An empty list is stored as an empty
+   *  string and means "nobody" — see the read path above. */
+  async setNotificationAdminEmails(
+    emails: string[],
+    userId: string,
+  ): Promise<ResolvedSetting<string[]>> {
+    await this.write(
+      SETTING_KEYS.notificationAdminEmails,
+      emails.join(","),
+      userId,
+    );
+    return this.notificationAdminEmails();
+  }
+
+  /**
+   * Cadence of one automatic envío, stored as JSON.
+   *
+   * No env rung on this ladder: a schedule was never an environment variable
+   * (it was a `@Cron` literal in the source), so the only two sources are the
+   * operator's row and the caller's default — which is the previous hardcoded
+   * behaviour. A row that fails to parse is treated as absent and logged
+   * rather than thrown: a bad JSON blob must not take the scheduler down with
+   * it, and falling back to the shipped cadence is the safe reading.
+   */
+  async notificationSchedule<T>(
+    kind: "servicios" | "polizas",
+    fallback: T,
+  ): Promise<ResolvedSetting<T>> {
+    const key =
+      kind === "servicios"
+        ? SETTING_KEYS.scheduleServicios
+        : SETTING_KEYS.schedulePolizas;
+    const row = await this.read(key);
+    if (row) {
+      try {
+        return {
+          value: { ...fallback, ...(JSON.parse(row.value) as T) },
+          source: "db",
+          updatedAt: row.updatedAt,
+          updatedById: row.updatedById,
+        };
+      } catch (error) {
+        this.logger.warn(
+          `Setting ${key} is not valid JSON, using the default: ` +
+            `${(error as Error).message}`,
+        );
+      }
+    }
+    return { value: fallback, source: "default", updatedAt: null, updatedById: null };
+  }
+
+  async setNotificationSchedule(
+    kind: "servicios" | "polizas",
+    schedule: unknown,
+    userId: string,
+  ): Promise<void> {
+    await this.write(
+      kind === "servicios"
+        ? SETTING_KEYS.scheduleServicios
+        : SETTING_KEYS.schedulePolizas,
+      JSON.stringify(schedule),
+      userId,
+    );
+  }
+
+  private read(key: string) {
+    return this.prisma.appSetting.findUnique({ where: { key } });
+  }
+
+  private async write(key: string, value: string, userId: string) {
+    await this.prisma.appSetting.upsert({
+      where: { key },
+      create: { key, value, updatedById: userId },
+      update: { value, updatedById: userId },
+    });
+  }
+}

apps/api/src/statements/ocr/ocr.provider.ts

@@ -0,0 +1,71 @@
+/**
+ * The OCR seam. Everything above this interface works in terms of page text and
+ * word boxes, so the concrete engine is swappable without touching the parsers,
+ * the matcher, or the schema.
+ *
+ * The shipped implementation is self-hosted Tesseract (see tesseract.provider).
+ * That choice is evidence-based rather than assumed: run against 46 pages of
+ * real scanned CFE, CESPT and Telnor statements, it identified the provider on
+ * 46/46 and extracted a usable account reference on 43/46, and on a later
+ * corpus of 19 scanned municipal predial receipts it read the provider on
+ * 19/19 and an identifier on 18/19 — well past the bar for a queue whose whole
+ * point is that a human confirms every row. A
+ * managed document-extraction API (Textract, Document Intelligence, Document
+ * AI) fits behind this same interface if per-page accuracy ever proves
+ * insufficient, with no schema change — but at 300+ pages/month/company it
+ * would carry a real recurring cost for accuracy that is not currently the
+ * bottleneck.
+ */
+
+/** One OCR'd word, with where it sits on the page. */
+export interface OcrWord {
+  text: string;
+  /** Pixel box in the rendered page image. */
+  left: number;
+  top: number;
+  width: number;
+  height: number;
+  /** Engine confidence for this word, 0..1. */
+  confidence: number;
+}
+
+export interface OcrPage {
+  /** Full page text, reading order, newline-separated. */
+  text: string;
+  /**
+   * Word boxes. Needed because several of the real layouts are *tables* — the
+   * CESPT "RECIBO" prints `No. DE CUENTA` as a column header with the value in
+   * the row beneath it, which line-oriented text cannot associate. Parsers fall
+   * back to geometry for exactly those fields.
+   */
+  words: OcrWord[];
+  /** Mean word confidence across the page, 0..1. */
+  confidence: number;
+}
+
+export interface OcrProvider {
+  /** True when the engine is actually usable in this deployment. */
+  available(): Promise<boolean>;
+  /** Split a PDF into one rendered page image per page. */
+  renderPages(pdf: Buffer): Promise<Buffer[]>;
+  /** OCR a single rendered page image. */
+  recognize(pageImage: Buffer): Promise<OcrPage>;
+  /**
+   * Read a PDF's own text layer, one entry per page, `null` where the page has
+   * none worth using.
+   *
+   * Not every statement is a scan. The gas company e-mails born-digital CFDI
+   * invoices whose text is already exact and already positioned — running those
+   * through a rasteriser and a character recogniser can only lose information
+   * (one sample turned `MEDIDOR: VM01014426` into `ar (LTR): 014420`) while
+   * costing about a minute of CPU per page for the privilege. Where the layer
+   * exists it is strictly better input for the same parsers, so it is tried
+   * first and OCR remains the fallback for genuine scans.
+   *
+   * Positions are reported in the same pixel space `recognize` uses, so the
+   * geometric helpers in the parsers work unchanged on either source.
+   */
+  textPages(pdf: Buffer): Promise<(OcrPage | null)[]>;
+}
+
+export const OCR_PROVIDER = Symbol("OCR_PROVIDER");

apps/api/src/statements/ocr/tesseract.provider.spec.ts

@@ -0,0 +1,67 @@
+import { parseBboxLayout } from "./tesseract.provider";
+
+/**
+ * Shaped like real `pdftotext -bbox-layout` output: the gas invoice lays its
+ * header out as two columns of independent text flows, so poppler puts a label
+ * and the value printed beside it in *different* `<line>` elements. Trusting
+ * that grouping is what left `PERIODO FACTURADO` with no value next to it and
+ * every period field empty on a batch whose text was perfectly readable.
+ */
+function word(x: number, y: number, text: string): string {
+  return `<word xMin="${x}" yMin="${y}" xMax="${x + 20}" yMax="${y + 8}">${text}</word>`;
+}
+
+function doc(...lines: string[]): string {
+  return `<doc><page width="612" height="792">${lines
+    .map((l) => `<flow><block><line>${l}</line></block></flow>`)
+    .join("")}</page></doc>`;
+}
+
+/** Enough words on the page to clear the "is this a real text layer" floor. */
+function padding(): string {
+  return Array.from({ length: 50 }, (_, i) => word(10, 400 + i * 10, `w${i}`)).join("");
+}
+
+describe("parseBboxLayout", () => {
+  it("rejoins a label with the value printed beside it in another flow", () => {
+    const [page] = parseBboxLayout(
+      doc(
+        word(20, 100, "PERIODO") + word(45, 100, "FACTURADO:"),
+        word(300, 100.4, "20260630-20260630"),
+        padding(),
+      ),
+      1,
+    );
+    expect(page).not.toBeNull();
+    expect(page!.text).toContain("PERIODO FACTURADO: 20260630-20260630");
+  });
+
+  it("keeps genuinely separate lines apart", () => {
+    const [page] = parseBboxLayout(
+      doc(word(20, 100, "Cuenta:") + word(80, 100, "0900003463"), word(20, 130, "Nombre:"), padding()),
+      1,
+    );
+    expect(page!.text.split("\n")).toContain("Cuenta: 0900003463");
+    expect(page!.text.split("\n")).toContain("Nombre:");
+  });
+
+  it("scales point coordinates into the render's pixel space", () => {
+    // Word boxes have to land in the same coordinate space tesseract reports,
+    // or the geometric helpers the parsers share silently stop finding values.
+    const [page] = parseBboxLayout(doc(word(72, 144, "X") + padding()), 300 / 72);
+    const x = page!.words.find((w) => w.text === "X")!;
+    expect(x.left).toBeCloseTo(300);
+    expect(x.top).toBeCloseTo(600);
+  });
+
+  it("reports no text layer for a scan carrying a few stray glyphs", () => {
+    expect(parseBboxLayout(doc(word(10, 10, "3") + word(40, 10, "of") + word(60, 10, "5")), 1)).toEqual([
+      null,
+    ]);
+  });
+
+  it("decodes the entities poppler escapes", () => {
+    const [page] = parseBboxLayout(doc(word(10, 10, "A&amp;B") + padding()), 1);
+    expect(page!.text).toContain("A&B");
+  });
+});

apps/api/src/statements/ocr/tesseract.provider.ts

@@ -0,0 +1,350 @@
+import { Injectable, Logger, ServiceUnavailableException } from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import { execFile } from "node:child_process";
+import { mkdtemp, readFile, readdir, rm, writeFile } from "node:fs/promises";
+import { tmpdir } from "node:os";
+import { join } from "node:path";
+import { promisify } from "node:util";
+import type { OcrPage, OcrProvider, OcrWord } from "./ocr.provider";
+
+const run = promisify(execFile);
+
+/**
+ * Self-hosted OCR: `pdftoppm` (poppler) to rasterise, `tesseract` to read.
+ *
+ * Both are external binaries rather than a native npm addon, which keeps the
+ * pnpm workspace free of a compiled dependency and makes the alpine runtime
+ * image a two-package change (see docker/api.Dockerfile). Like StorageService,
+ * a missing binary degrades rather than crashes the API: the module reports
+ * itself unavailable and statement ingest returns 503, while every other
+ * feature keeps working.
+ *
+ * The settings below are not arbitrary — they were measured against the real
+ * scanned samples:
+ *   - 300 DPI grayscale. The source scans are phone photos of paper at ~5MB a
+ *     page; below 300 the small print (RMU, clave catastral) stops resolving,
+ *     above it costs time for no additional fields.
+ *   - `--psm 6` ("assume a single uniform block of text"). The default page
+ *     segmentation splits these dense forms into columns and interleaves them,
+ *     which destroys the label-then-value adjacency every parser depends on.
+ *   - Spanish traineddata, with a graceful fall back to English if the language
+ *     pack is absent — an accented label reads worse but the digits, which are
+ *     what actually gets matched, are unaffected.
+ */
+@Injectable()
+export class TesseractOcrProvider implements OcrProvider {
+  private readonly logger = new Logger(TesseractOcrProvider.name);
+  private readonly dpi: number;
+  private readonly lang: string;
+  private probe: Promise<boolean> | null = null;
+
+  constructor(config: ConfigService) {
+    this.dpi = Number(config.get("OCR_DPI") ?? 300);
+    this.lang = config.get<string>("OCR_LANG") ?? "spa";
+  }
+
+  /** Cached — the binaries do not appear or vanish while the process runs. */
+  available(): Promise<boolean> {
+    if (!this.probe) {
+      this.probe = (async () => {
+        try {
+          await Promise.all([
+            run("tesseract", ["--version"]),
+            run("pdftoppm", ["-v"]),
+          ]);
+          return true;
+        } catch {
+          this.logger.warn(
+            "OCR unavailable: `tesseract` and/or `pdftoppm` not found on PATH. " +
+              "Statement ingest is disabled; every other feature is unaffected.",
+          );
+          return false;
+        }
+      })();
+    }
+    return this.probe;
+  }
+
+  private async require(): Promise<void> {
+    if (!(await this.available())) {
+      throw new ServiceUnavailableException(
+        "El servicio de OCR no está disponible en este servidor.",
+      );
+    }
+  }
+
+  private async scratch<T>(fn: (dir: string) => Promise<T>): Promise<T> {
+    const dir = await mkdtemp(join(tmpdir(), "stmt-ocr-"));
+    try {
+      return await fn(dir);
+    } finally {
+      await rm(dir, { recursive: true, force: true });
+    }
+  }
+
+  async renderPages(pdf: Buffer): Promise<Buffer[]> {
+    await this.require();
+    return this.scratch(async (dir) => {
+      const src = join(dir, "in.pdf");
+      await writeFile(src, pdf);
+      // -gray: these are grayscale scans already; colour triples the bytes
+      // handed to tesseract for no gain in character recognition.
+      await run("pdftoppm", [
+        "-r",
+        String(this.dpi),
+        "-gray",
+        "-png",
+        src,
+        join(dir, "page"),
+      ]);
+      const files = (await readdir(dir))
+        .filter((f) => f.startsWith("page") && f.endsWith(".png"))
+        // pdftoppm zero-pads its page numbers, so lexical order is page order.
+        .sort();
+      return Promise.all(files.map((f) => readFile(join(dir, f))));
+    });
+  }
+
+  /**
+   * `pdftotext -bbox-layout` — the same poppler package `pdftoppm` comes from,
+   * so this costs no extra dependency in the runtime image.
+   *
+   * A page is only accepted when it carries a real text layer. Scanned PDFs
+   * frequently contain a handful of stray glyphs (a scanner watermark, a page
+   * number stamped by the MFP), and treating those as the page's text would
+   * hand every parser an almost-empty string and silently take OCR out of the
+   * loop — so a floor of MIN_TEXT_WORDS words has to be present before the
+   * layer is believed.
+   */
+  async textPages(pdf: Buffer): Promise<(OcrPage | null)[]> {
+    await this.require();
+    return this.scratch(async (dir) => {
+      const src = join(dir, "in.pdf");
+      await writeFile(src, pdf);
+      const out = join(dir, "out.html");
+      try {
+        await run("pdftotext", ["-bbox-layout", src, out]);
+      } catch (err) {
+        this.logger.warn(
+          `pdftotext failed; falling back to OCR for this file: ${(err as Error).message}`,
+        );
+        return [];
+      }
+      // Points to pixels at the render DPI, so word boxes from either source
+      // land in one coordinate space and `valueUnder`'s thresholds hold.
+      return parseBboxLayout(await readFile(out, "utf8"), this.dpi / 72);
+    });
+  }
+
+  async recognize(pageImage: Buffer): Promise<OcrPage> {
+    await this.require();
+    return this.scratch(async (dir) => {
+      const img = join(dir, "page.png");
+      await writeFile(img, pageImage);
+
+      // One tesseract invocation produces both outputs; TSV carries the word
+      // boxes and per-word confidence, and its text can be reassembled into
+      // reading order, so there is no need to run the engine twice.
+      const out = join(dir, "out");
+      try {
+        await run("tesseract", [img, out, "-l", this.lang, "--psm", "6", "tsv"]);
+      } catch (err) {
+        if (this.lang !== "eng") {
+          this.logger.warn(
+            `Tesseract failed with lang "${this.lang}", retrying with "eng": ${
+              (err as Error).message
+            }`,
+          );
+          await run("tesseract", [img, out, "-l", "eng", "--psm", "6", "tsv"]);
+        } else {
+          throw err;
+        }
+      }
+
+      const tsv = await readFile(`${out}.tsv`, "utf8");
+      return parseTsv(tsv);
+    });
+  }
+}
+
+/**
+ * Below this many words a "text layer" is scanner debris, not a document.
+ * The real born-digital samples carry 400+ words a page; the scanned ones
+ * carry none at all, so the exact threshold is not delicate.
+ */
+const MIN_TEXT_WORDS = 40;
+
+const ENTITIES: Record<string, string> = {
+  amp: "&",
+  lt: "<",
+  gt: ">",
+  quot: '"',
+  apos: "'",
+};
+
+function decodeEntities(s: string): string {
+  return s.replace(/&(#x?[0-9a-fA-F]+|[a-z]+);/g, (whole, body: string) => {
+    if (body[0] === "#") {
+      const code =
+        body[1] === "x" || body[1] === "X"
+          ? parseInt(body.slice(2), 16)
+          : parseInt(body.slice(1), 10);
+      return Number.isFinite(code) ? String.fromCodePoint(code) : whole;
+    }
+    return ENTITIES[body] ?? whole;
+  });
+}
+
+/**
+ * Turn `pdftotext -bbox-layout`'s XHTML into one OcrPage per PDF page.
+ *
+ * Parsed with regexes rather than an XML library on purpose: the output is
+ * machine-generated by poppler with a fixed element shape (`page` > `flow` >
+ * `block` > `line` > `word`), and the alternative is a parser dependency in
+ * the API for one file format read in one place. Only `page` and `word` are
+ * consulted — see below for why poppler's own `line` grouping is discarded.
+ *
+ * `confidence` is 1 for every word: these are the document's own characters,
+ * not a recognition guess.
+ */
+export function parseBboxLayout(xhtml: string, scale: number): (OcrPage | null)[] {
+  const pages: (OcrPage | null)[] = [];
+
+  for (const pageMatch of xhtml.matchAll(/<page\b[^>]*>([\s\S]*?)<\/page>/g)) {
+    const words: OcrWord[] = [];
+
+    for (const w of pageMatch[1].matchAll(
+      /<word\s+xMin="([\d.eE+-]+)"\s+yMin="([\d.eE+-]+)"\s+xMax="([\d.eE+-]+)"\s+yMax="([\d.eE+-]+)"\s*>([\s\S]*?)<\/word>/g,
+    )) {
+      const text = decodeEntities(w[5]).trim();
+      if (!text) continue;
+      const left = Number(w[1]) * scale;
+      const top = Number(w[2]) * scale;
+      words.push({
+        text,
+        left,
+        top,
+        width: Number(w[3]) * scale - left,
+        height: Number(w[4]) * scale - top,
+        confidence: 1,
+      });
+    }
+
+    pages.push(
+      words.length >= MIN_TEXT_WORDS
+        ? { text: toVisualRows(words), words, confidence: 1 }
+        : null,
+    );
+  }
+
+  return pages;
+}
+
+/**
+ * Reassemble words into the rows a reader sees, left to right.
+ *
+ * Poppler's own `<line>` grouping cannot be used for this. It groups by text
+ * flow, and these invoices lay their fields out as two columns of independent
+ * flows — so `PERIODO FACTURADO:` and the `20260630-20260630` printed beside
+ * it end up in different `<line>` elements, and every label-then-value pattern
+ * in the parsers misses a value that is plainly there on the page. Regrouping
+ * by vertical position restores the adjacency, and matches what tesseract
+ * hands back for the scanned version of the same layout.
+ *
+ * Rows are cut when a word's vertical centre leaves the band established by
+ * the row's first word, which tolerates the sub-pixel baseline differences
+ * between fonts on one line without merging two genuinely separate lines.
+ */
+function toVisualRows(words: OcrWord[]): string {
+  const centre = (w: OcrWord) => w.top + w.height / 2;
+  const sorted = [...words].sort((a, b) => centre(a) - centre(b) || a.left - b.left);
+
+  const rows: OcrWord[][] = [];
+  let current: OcrWord[] = [];
+  let band = 0;
+
+  for (const w of sorted) {
+    if (!current.length) {
+      current = [w];
+      band = centre(w);
+      continue;
+    }
+    // Half the word's own height: tall headings and body text both sit within
+    // their own line's band, and neither reaches into the next one.
+    if (Math.abs(centre(w) - band) <= Math.max(w.height, current[0].height) / 2) {
+      current.push(w);
+    } else {
+      rows.push(current);
+      current = [w];
+      band = centre(w);
+    }
+  }
+  if (current.length) rows.push(current);
+
+  return rows
+    .map((r) =>
+      [...r]
+        .sort((a, b) => a.left - b.left)
+        .map((w) => w.text)
+        .join(" "),
+    )
+    .join("\n");
+}
+
+/**
+ * Turn tesseract's TSV into words plus reassembled text.
+ *
+ * Columns are: level, page_num, block_num, par_num, line_num, word_num, left,
+ * top, width, height, conf, text. Rows with level < 5 are structural (page,
+ * block, paragraph, line) and carry no text; only level 5 is a word. A conf of
+ * -1 marks a structural row, so those are dropped rather than averaged in —
+ * including them would drag every page's confidence toward zero.
+ */
+export function parseTsv(tsv: string): OcrPage {
+  const lines = tsv.split("\n");
+  const header = lines[0]?.split("\t") ?? [];
+  const col = (name: string) => header.indexOf(name);
+  const iLeft = col("left");
+  const iTop = col("top");
+  const iWidth = col("width");
+  const iHeight = col("height");
+  const iConf = col("conf");
+  const iText = col("text");
+  const iLine = col("line_num");
+  const iBlock = col("block_num");
+
+  const words: OcrWord[] = [];
+  // Keyed by block+line so the reassembled text preserves the engine's own
+  // reading order instead of sorting words by raw y, which interleaves columns.
+  const byLine = new Map<string, string[]>();
+
+  for (let i = 1; i < lines.length; i++) {
+    const f = lines[i].split("\t");
+    if (f.length <= iText) continue;
+    const text = f[iText]?.trim();
+    if (!text) continue;
+    const confidence = Number(f[iConf]);
+    if (!Number.isFinite(confidence) || confidence < 0) continue;
+
+    words.push({
+      text,
+      left: Number(f[iLeft]) || 0,
+      top: Number(f[iTop]) || 0,
+      width: Number(f[iWidth]) || 0,
+      height: Number(f[iHeight]) || 0,
+      confidence: confidence / 100,
+    });
+
+    const key = `${f[iBlock]}:${f[iLine]}`;
+    const bucket = byLine.get(key);
+    if (bucket) bucket.push(text);
+    else byLine.set(key, [text]);
+  }
+
+  const text = [...byLine.values()].map((w) => w.join(" ")).join("\n");
+  const confidence = words.length
+    ? words.reduce((sum, w) => sum + w.confidence, 0) / words.length
+    : 0;
+
+  return { text, words, confidence };
+}

apps/api/src/statements/parsers/statement-parser.spec.ts

@@ -0,0 +1,270 @@
+import type { OcrPage } from "../ocr/ocr.provider";
+import {
+  detectProvider,
+  normalizeCadastralKey,
+  normalizeZofematKey,
+  parseStatement,
+} from "./statement-parser";
+
+/**
+ * Every string in this file is a verbatim excerpt of what the OCR engine
+ * actually returned for a real receipt — misreads, dropped spaces, mangled
+ * accents and all. That is the point: these are the specific ways these five
+ * layouts have been observed to fail, and the assertions pin down what the
+ * parser is supposed to do about each one. Inventing clean input here would
+ * test nothing, because clean input was never the problem.
+ */
+function page(text: string): OcrPage {
+  return { text, words: [], confidence: 0.9 };
+}
+
+describe("detectProvider", () => {
+  it("reads a Rosarito predial receipt as predial, not as a water bill", () => {
+    // "Clave Catastral" is also a CESPT structural marker, so a predial page
+    // whose header OCR'd badly must still not be claimed by the CESPT rule.
+    expect(
+      detectProvider(
+        "e | Clave Catastral. KP-128-105 IMPUESTO PREDIAL ea rita\n" +
+          "TASA | VALOR FISCAL | BIMESTRES | INCISO. | IMPUESTO",
+      ),
+    ).toBe("PREDIAL ROSARITO");
+  });
+
+  it("keeps telling the three municipalities apart by their RFC", () => {
+    expect(detectProvider("R.F.C. ATB-541201-KK2")).toBe("PREDIAL TIJUANA");
+    expect(detectProvider("R.F.C. AMP-981201-HJ4")).toBe("PREDIAL ROSARITO");
+    expect(detectProvider("MEN-540301-9J5")).toBe("PREDIAL ENSENADA");
+  });
+
+  it("does not let the CFE rule claim a gas bill over 'PERIODO FACTURADO'", () => {
+    expect(
+      detectProvider("Orden de Facturación: 000009801640\nPERIODO FACTURADO: 20260630-20260630"),
+    ).toBe("GAS TIJUANA");
+  });
+});
+
+describe("normalizeCadastralKey", () => {
+  it("keeps a letter in the third position instead of digitising it", () => {
+    // `MMB01041` is a real key on file; mapping its B to 8 produced a key that
+    // matches no property at all.
+    expect(normalizeCadastralKey("MM-B01-041", [])).toBe("MMB01041");
+  });
+
+  it("repairs the spurious I tesseract inserts into the prefix", () => {
+    expect(normalizeCadastralKey("MIM-200-010", [])).toBe("MM200010");
+  });
+
+  it("digitises confusable glyphs from position four onward", () => {
+    expect(normalizeCadastralKey("KP-1O8-O45", [])).toBe("KP108045");
+  });
+
+  it("flags a prefix it had to truncate", () => {
+    const notes: string[] = [];
+    expect(normalizeCadastralKey("KPX-128-106", notes)).toBe("KP128106");
+    expect(notes).toHaveLength(1);
+  });
+});
+
+describe("parsePredialTijuana", () => {
+  const TIJUANA = page(
+    "Hats | AYUNTAMIENTO DE TIJUANA, BC $2,613.00 23/01/2026\n" +
+      "y) TELEFONO: 973-7000 R.F.C. ATB-541201-KK2\n" +
+      "ER AÑO VALOR FISCAL TASA IMPUESTO |CONCEPTO IMPORTE\n" +
+      "ED ca 2026 1,207,15778 246 2,969.61 1102 - IMPUESTO PREDIAL 2,969.61\n" +
+      "55164964310126000002613000054192\n" +
+      "se 0 O (54427 [a] | TOTALAPAGAR: 2,613.00\n" +
+      "Dc 1097 : FECHA VENCE : 31/ENE/2026",
+  );
+
+  it("splits the payment barcode into account, deadline and amount", () => {
+    const p = parseStatement(TIJUANA);
+    expect(p.provider).toBe("PREDIAL TIJUANA");
+    expect(p.serviceKind).toBe("PROPERTY_TAX");
+    expect(p.accountRef).toBe("55164964");
+    expect(p.amount).toBe(2613);
+    expect(p.dueDate?.toISOString().slice(0, 10)).toBe("2026-01-31");
+    expect(p.period).toBe("2026");
+  });
+
+  it("reads the printed total even when the space in the label is lost", () => {
+    // The real page OCR'd the label as "TOTALAPAGAR:", and it is that reading
+    // that cross-checks the barcode's amount.
+    expect(parseStatement(TIJUANA).crossChecked).toBe(true);
+  });
+
+  it("refuses to trust a barcode the printed total contradicts", () => {
+    const p = parseStatement(
+      page(
+        "R.F.C. ATB-541201-KK2\n" +
+          "55164964310126000002613000054192\n" +
+          "TOTAL A PAGAR: 9,613.00\nFECHA VENCE : 31/ENE/2026",
+      ),
+    );
+    expect(p.crossChecked).toBe(false);
+    expect(p.notes.join(" ")).toContain("no coincide");
+  });
+});
+
+describe("parsePredialRosarito", () => {
+  it("takes the rounded Total, not the Sub Total printed above it", () => {
+    const p = parseStatement(
+      page(
+        "AYUNTAMIENTO MUNICIPAL DE PLAYAS DE ROSARITO, B.C.\n" +
+          "Ce Clave Catastral: + JR-400-008 7 | IMPUESTO PREDIAL\n" +
+          "SUPERFICIE: 228.31 ZONA 30025 “Redondeo IT049 -$0.39 Sub Total $5,409.39\n" +
+          "¿XTEMPORANEO DESPUES DE: 31/01/2026 Elaboro: MGLG\n" +
+          "Total | $5,409.00\n" +
+          "| Periodo por Pagar: 2026/1 2026/6",
+      ),
+    );
+    expect(p.cadastralKey).toBe("JR400008");
+    expect(p.amount).toBe(5409);
+    expect(p.dueDate?.toISOString().slice(0, 10)).toBe("2026-01-31");
+    expect(p.period).toBe("2026");
+  });
+
+  it("is not fooled by the unspaced 'SubTotal' spelling", () => {
+    // This exact page read $9,624.85 off a receipt for $9,625.00 while the
+    // lookbehind still assumed a space.
+    const p = parseStatement(
+      page(
+        "AMP-981201-HJ4 IMPUESTO PREDIAL\n" +
+          "SUPERFICIE. 367.62 ZONA:30151 | Redondco 17049 $0.15 SubTotal $9,624.85\n" +
+          ": Total | $9,625.00",
+      ),
+    );
+    expect(p.amount).toBe(9625);
+  });
+});
+
+describe("parsePredialEnsenada", () => {
+  const totals = (tail: string) =>
+    page(
+      "IMPRESION MAQUINA REGISTRADORA ez | MUNICIPIO DE ENSENADA\n" +
+        "+7] DATOS. DEL.CAUSANTE alta A pe CLAVE MM-200-010 2 CUENTA\n" +
+        `ES g € S| TOTALES 12,744.47 0.00 0.00 324.56 0.00 13,069.03 ${tail} |`,
+    );
+
+  it("reads the paid total off the TOTALES row however the label OCR'd", () => {
+    expect(parseStatement(totals("TOTA LA A $5,797.00")).amount).toBe(5797);
+    expect(parseStatement(totals("orAL: M7 z] $14,414.00")).amount).toBe(14414);
+    expect(parseStatement(totals("| TOTAL: = $6 246.00")).amount).toBe(6246);
+  });
+
+  it("reports no amount rather than one whose $ was misread as an 8", () => {
+    // `TOTAL: A 82,203.00` is a $2,203.00 receipt. Posting $82,203 would look
+    // entirely ordinary in the ledger, so this page must go to review instead.
+    const p = parseStatement(totals("TOTAL: A 82,203.00"));
+    expect(p.amount).toBeNull();
+    expect(p.notes.join(" ")).toContain("capturarlo a mano");
+  });
+
+  it("never falls back to the assessed total on the same row", () => {
+    expect(parseStatement(totals("yo: se TE= 58/4690]")).amount).toBeNull();
+  });
+});
+
+describe("parseGas", () => {
+  const gas = (...cuentas: string[]) =>
+    page(
+      "GTI4608032K2 COMPAÑIA DE GAS DE TIJUANA\n" +
+        "Fecha de Vencimiento: 2026/08/08\n" +
+        cuentas.map((c) => `Cuenta: ${c}`).join("\n") +
+        "\nPERIODO FACTURADO: 20260630-20260630\nTOTAL A PAGAR: $275.82",
+    );
+
+  it("strips the printed leading zero to the stored account number", () => {
+    const p = parseStatement(gas("0900003463", "0900003463", "0900003463"));
+    expect(p.serviceKind).toBe("GAS");
+    expect(p.accountRef).toBe("900003463");
+    expect(p.amount).toBe(275.82);
+    expect(p.dueDate?.toISOString().slice(0, 10)).toBe("2026-08-08");
+    expect(p.period).toBe("2026-06");
+    expect(p.crossChecked).toBe(true);
+  });
+
+  it("takes the majority reading but still sends a disagreement to review", () => {
+    const p = parseStatement(gas("0900003463", "0900003463", "0900003468"));
+    expect(p.accountRef).toBe("900003463");
+    expect(p.crossChecked).toBe(false);
+  });
+
+  it("claims no cross-check from a single printing", () => {
+    expect(parseStatement(gas("0900003463")).crossChecked).toBeNull();
+  });
+});
+
+describe("parseZonaFederal", () => {
+  /**
+   * The Tijuana zona federal receipt, trimmed to the rows the parser reads.
+   * Verbatim from page 7 of the August 2026 batch, including the two ways the
+   * heading OCR'd: the clave line is struck through by the office's own
+   * highlighter, which is what cost two of eight pages their concession clave.
+   */
+  const zf = (clave: string, body = "") =>
+    page(
+      "ESIZ <pYl Av. Independencia y Esq. Paseo del CentenaxiaiiArlhnto de Tijuana, B.C.\n" +
+        "Teléfono: 9737000 R.F.C. ATB-541201-BK2 0070000146 12:54 PM\n" +
+        "Zona Federal Marítimo Terrestre\n" +
+        `${clave} Nombre: DENNIS JOHN SEIN Concesión:\n` +
+        "Periodo Construcción Tasa  Ornato Tasa Impuesto Actualiza. Recargo Multa Importe\n" +
+        "2026-2 / 2026-2 316.40 35.00 0.00 12.11 1,845.66 0.00 27.13 1,000.00 2,872.79\n" +
+        "SubTotal 1,845.66 0.00 27.13 1,000.00 2,872.79\n" +
+        "Concepto: Derechos de ocupación de Zona Federal Marítimo Terrestre\n" +
+        body,
+    );
+
+  it("is not claimed by the predial parser that shares its RFC and header", () => {
+    // Tijuana bills predial and zona federal from the same treasury, so
+    // "Ayuntamiento de Tijuana" and ATB-541201 identify neither on their own.
+    expect(detectProvider("R.F.C. ATB-541201-BK2\nZona Federal Marítimo Terrestre")).toBe(
+      "ZONA FEDERAL TIJUANA",
+    );
+    expect(parseStatement(zf("Clave: 14-D -014")).serviceKind).toBe("FEDERAL_ZONE");
+  });
+
+  it("still recognises the layout when the heading itself did not survive OCR", () => {
+    // Real: page 1 came back as "Zona Ledera) Maritimo Terrestre".
+    expect(
+      detectProvider("Zona Ledera) Maritimo Terrestre\nClave EJ -012% Nombre: STEFAN"),
+    ).toBe("ZONA FEDERAL TIJUANA");
+  });
+
+  it("reads the clave through the loose spacing the receipt prints", () => {
+    expect(parseStatement(zf("Clave: 14-D -014")).accountRef).toBe("14D014");
+    expect(parseStatement(zf("Clave: 14-A-119")).accountRef).toBe("14A119");
+  });
+
+  it("keeps the letter instead of digitising it", () => {
+    // toDigits maps D to 0 and B to 8; a real 14-D -014 must not become 140014.
+    expect(normalizeZofematKey("14-D -014")).toBe("14D014");
+    expect(normalizeZofematKey("12-B -013")).toBe("12B013");
+  });
+
+  it("takes the payable amount from the SubTotal row, rounded to whole pesos", () => {
+    // The municipality rounds and prints the difference as "Ajuste Ley Hacienda
+    // Mpal"; 2,872.79 is charged as $2,873.00.
+    expect(parseStatement(zf("Clave: 14-D -014")).amount).toBe(2873);
+  });
+
+  it("prefers the printed total and cross-checks it against the subtotal", () => {
+    const p = parseStatement(zf("Clave: 14-D -014", "Total a pagar $2,873.00"));
+    expect(p.amount).toBe(2873);
+    expect(p.crossChecked).toBe(true);
+  });
+
+  it("sends a printed total that contradicts the subtotal to review", () => {
+    const p = parseStatement(zf("Clave: 14-D -014", "Total a pagar $2,973.00"));
+    expect(p.crossChecked).toBe(false);
+  });
+
+  it("translates the printed bimester into the ledger's own vocabulary", () => {
+    expect(parseStatement(zf("Clave: 14-D -014")).period).toBe("MAR/APR");
+  });
+
+  it("leaves the clave blank rather than guessing when the marker ate it", () => {
+    const p = parseStatement(zf("Clave EJ -012%"));
+    expect(p.accountRef).toBeNull();
+    expect(p.notes.join(" ")).toContain("clave");
+  });
+});

apps/api/src/statements/parsers/statement-parser.ts

@@ -0,0 +1,872 @@
+import type { ServiceKind } from "@jorgecuadros/database";
+import type { OcrPage, OcrWord } from "../ocr/ocr.provider";
+
+/**
+ * What one parsed statement page yields. `accountRef` is already normalised to
+ * the form the migrated `PropertyService` columns hold, so the matcher compares
+ * like with like and never has to know about provider-specific formatting.
+ */
+export interface ParsedStatement {
+  /**
+   * "CFE" | "CESPT" | "TELNOR" | "GAS TIJUANA" | "PREDIAL TIJUANA" |
+   * "PREDIAL ROSARITO" | "PREDIAL ENSENADA" | "ZONA FEDERAL TIJUANA", or null
+   * when no parser claimed the page.
+   */
+  provider: string | null;
+  serviceKind: ServiceKind | null;
+  accountRef: string | null;
+  /** Clave catastral, when printed — a second key to match on. */
+  cadastralKey: string | null;
+  amount: number | null;
+  dueDate: Date | null;
+  period: string | null;
+  /**
+   * Independent corroboration of `accountRef`. CFE and Telnor both print a
+   * payment barcode that repeats the account number (and the amount), so when
+   * the barcode and the label agree the extraction is near-certainly right;
+   * when they disagree, or only one is present, the page is worth a human
+   * glance. Null when the layout has no second source.
+   */
+  crossChecked: boolean | null;
+  /** Human-readable trail of what was read, surfaced in the review queue. */
+  notes: string[];
+}
+
+// --- shared helpers ---------------------------------------------------------
+
+/**
+ * Tesseract confuses these glyphs inside numeric runs with some regularity —
+ * a real clave catastral `KB078025` came back as `KBO78025`. Applied ONLY to
+ * fields known to be digits, never to free text, where it would corrupt words.
+ */
+const DIGIT_CONFUSIONS: Record<string, string> = {
+  O: "0",
+  o: "0",
+  D: "0",
+  I: "1",
+  l: "1",
+  "|": "1",
+  S: "5",
+  B: "8",
+};
+
+export function toDigits(s: string | null | undefined): string {
+  if (!s) return "";
+  return s
+    .split("")
+    .map((c) => DIGIT_CONFUSIONS[c] ?? c)
+    .join("")
+    .replace(/\D/g, "");
+}
+
+/**
+ * Parse a printed amount, treating `,` and `.` by position rather than by
+ * assumption. A real Telnor bill OCR'd as "$ 649,00" — blindly stripping commas
+ * as thousands separators turned $649.00 into $64,900, a hundredfold error that
+ * would post silently. Two trailing digits after a single separator are always
+ * cents here; a separator followed by three digits is a thousands group.
+ */
+function money(s: string | null | undefined): number | null {
+  if (!s) return null;
+  const cleaned = s.replace(/[\s$]/g, "");
+
+  // 1.234,56 or 1,234.56 — grouped thousands plus optional cents.
+  let m = cleaned.match(/^(\d{1,3}(?:[.,]\d{3})+)([.,]\d{1,2})?$/);
+  if (m) {
+    const whole = m[1].replace(/[.,]/g, "");
+    const cents = m[2] ? m[2].slice(1) : "";
+    return Number(cents ? `${whole}.${cents.padEnd(2, "0")}` : whole);
+  }
+
+  // 649,00 / 649.00 — a single separator with exactly two digits after it.
+  m = cleaned.match(/^(\d+)[.,](\d{2})$/);
+  if (m) return Number(`${m[1]}.${m[2]}`);
+
+  const n = Number(cleaned.replace(/[,.]/g, ""));
+  return Number.isFinite(n) ? n : null;
+}
+
+function firstMatch(text: string, patterns: RegExp[]): string | null {
+  for (const p of patterns) {
+    const m = text.match(p);
+    if (m?.[1]) return m[1].trim();
+  }
+  return null;
+}
+
+/** Every capture of `pattern` across the page, in order. */
+function allMatches(text: string, pattern: RegExp): string[] {
+  const out: string[] = [];
+  const re = new RegExp(pattern.source, pattern.flags.includes("g") ? pattern.flags : `${pattern.flags}g`);
+  for (const m of text.matchAll(re)) {
+    if (m[1]) out.push(m[1].trim());
+  }
+  return out;
+}
+
+const MONTHS: Record<string, number> = {
+  ENE: 0, FEB: 1, MAR: 2, ABR: 3, MAY: 4, JUN: 5,
+  JUL: 6, AGO: 7, SEP: 8, OCT: 9, NOV: 10, DIC: 11,
+};
+
+/** Parses the three date shapes these statements actually print. */
+export function parseDate(raw: string | null | undefined): Date | null {
+  if (!raw) return null;
+  const s = raw.trim().toUpperCase();
+
+  // 16/07/2026
+  let m = s.match(/^(\d{1,2})\/(\d{1,2})\/(\d{4})$/);
+  if (m) return utc(+m[3], +m[2] - 1, +m[1]);
+
+  // 22-JUL-2026  /  22 JUN 26  /  31/ENE/2026 (Tijuana predial)
+  m = s.match(/^(\d{1,2})[-\s/]([A-Z]{3})[A-Z]*[-\s/](\d{2,4})$/);
+  if (m && MONTHS[m[2]] !== undefined) {
+    const y = m[3].length === 2 ? 2000 + +m[3] : +m[3];
+    return utc(y, MONTHS[m[2]], +m[1]);
+  }
+
+  // 2026-07-22 (already normalised, e.g. decoded from a barcode) and the
+  // 2026/08/08 the gas bill prints — same field order, different separator.
+  m = s.match(/^(\d{4})[-/](\d{2})[-/](\d{2})$/);
+  if (m) return utc(+m[1], +m[2] - 1, +m[3]);
+
+  return null;
+}
+
+function utc(y: number, mo: number, d: number): Date | null {
+  const dt = new Date(Date.UTC(y, mo, d));
+  return Number.isNaN(dt.getTime()) ? null : dt;
+}
+
+/**
+ * Read the value printed *underneath* a column header.
+ *
+ * The CESPT "RECIBO" is a table: `No. DE CUENTA` is a header cell and its value
+ * sits in the row below it, so no amount of label-adjacent regex on line text
+ * can associate the two. This walks the word boxes instead — find the header
+ * word, then take the nearest word below it whose horizontal centre falls
+ * within the column.
+ */
+export function valueUnder(
+  page: OcrPage,
+  header: RegExp,
+  opts: { maxDy?: number; tolerance?: number; match?: RegExp } = {},
+): string | null {
+  const { maxDy = 300, tolerance = 200, match } = opts;
+  const centre = (w: OcrWord) => ({
+    x: w.left + w.width / 2,
+    y: w.top + w.height / 2,
+  });
+
+  for (const h of page.words.filter((w) => header.test(w.text))) {
+    const hc = centre(h);
+    const below = page.words
+      .filter((w) => {
+        const c = centre(w);
+        return c.y > hc.y && c.y <= hc.y + maxDy && Math.abs(c.x - hc.x) <= tolerance;
+      })
+      .sort((a, b) => centre(a).y - centre(b).y);
+
+    for (const w of below) {
+      if (!match || match.test(w.text)) return w.text;
+    }
+  }
+  return null;
+}
+
+// --- provider detection -----------------------------------------------------
+
+/**
+ * Brand wordmarks first, page structure only as a fallback — and the two passes
+ * must not be interleaved. Scanned logos OCR badly (one CESPT header came back
+ * as "E BAJA ES PAGO / EALIFORNIA", with neither "CESPT" nor "COMISIÓN ESTATAL"
+ * readable), so the structural pass is what rescues those pages. But a Telnor
+ * bill contains the words "Pagar antes de", which a CFE structural rule
+ * evaluated first will happily claim — running all brand checks before any
+ * structural check is what keeps that from happening.
+ */
+const BRAND: [string, RegExp][] = [
+  ["CFE", /comisi[oó]n federal de electricidad|CFE.?contigo|Suministrador de Servicios/i],
+  ["CESPT", /CESPT|COMISI[OÓ]N ESTATAL DE SERVICIOS/i],
+  ["TELNOR", /TELNOR|TELEFONOS DEL NOROESTE/i],
+  ["GAS TIJUANA", /COMPA[ÑN][IÍ]?A\s*DE\s*GAS\s*DE\s*TIJUANA|bajagas/i],
+  // Ahead of the predial rules on purpose. Tijuana's zona federal receipt is
+  // issued by the same treasury and carries the same header — "Ayuntamiento de
+  // Tijuana", the same address, the same `ATB-541201` RFC — so every predial
+  // discriminator matches it too, and whichever rule is asked first wins the
+  // page. What only the zona federal layout says is "Marítimo Terrestre", which
+  // survived OCR on all eight sample pages even where the heading above it came
+  // back as "Zona Ledera) Maritimo Terrestre" and the printed concession clave
+  // was lost under a highlighter mark.
+  ["ZONA FEDERAL TIJUANA", /ZOFEMAT|Mar[ií]timo\s*Terrestre|ocupaci[oó]n\s*de\s*Zona\s*Federal/i],
+  // The municipal RFCs are the single most reliable discriminator on a predial
+  // receipt: they are printed in a clean monospaced run on every layout, they
+  // never change, and they say which of the three city treasuries issued the
+  // page — which the wordmarks alone do not, since a Tijuana receipt also
+  // carries "PLAYAS DE TIJUANA" and a Rosarito one "TIJUANA ENSENADA".
+  ["PREDIAL TIJUANA", /AYUNTAMIENTO\s*DE\s*TIJUANA|ATB.?541201/i],
+  ["PREDIAL ROSARITO", /AYUNTAMIENTO\s*MUNICIPAL\s*DE\s*PLAYAS\s*DE\s*ROSARITO|AMP.?981201|rosarito\.gob/i],
+  ["PREDIAL ENSENADA", /MUNICIPIO\s*DE\s*ENSENADA|MEN.?540301/i],
+];
+
+/**
+ * The predial rules come first because a Rosarito receipt prints "Clave
+ * Catastral" as a boxed label — the very string the CESPT structural rule
+ * looks for — so a page whose municipal header failed to OCR would otherwise
+ * be claimed as a water bill and matched against the wrong column entirely.
+ * "IMPUESTO PREDIAL" appears on all three municipal layouts and on none of the
+ * utility ones, so it is the safe first question to ask.
+ */
+const LAYOUT: [string, RegExp][] = [
+  // Same reasoning as the brand pass, one rule earlier: the concept line
+  // "Derechos de ocupación de Zona Federal Marítimo Terrestre" is printed on
+  // the stub of every zona federal page and on no other layout, and it read
+  // cleanly on 8 of 8 samples — including the two whose heading did not.
+  ["ZONA FEDERAL TIJUANA", /Derechos\s*de\s*ocupaci[oó]n/i],
+  ["PREDIAL TIJUANA", /IMPUESTO\s*PREDIAL[\s\S]*?(?:CERTIFICACION\s*DE\s*CAJA|PASEO\s*DEL\s*CENTENARIO|PAGA\s*TU\s*PREDIAL)/i],
+  ["PREDIAL ENSENADA", /(?:IMPUESTO\s*PREDIAL[\s\S]*?TRANSPENINSULAR)|(?:IMPRESION\s*MAQUINA\s*REGISTRADORA)/i],
+  ["PREDIAL ROSARITO", /IMPUESTO\s*PREDIAL/i],
+  ["GAS TIJUANA", /Orden\s*de\s*Facturaci[oó]n|FACTOR\s*DE\s*PRESI[OÓ]N|GAS\s*LP/i],
+  ["CFE", /NO\.?\s*DE\s*SERVICIO|L[IÍ]MITE\s*DE\s*PAGO|PERIODO\s*FACTURADO/i],
+  ["CESPT", /SALDO\s+CORRIENTE|CLAVE\s*CATASTRAL|No\.?\s*DE\s*CUENTA/i],
+  ["TELNOR", /Mes\s*de\s*Facturaci[oó]n|Pagar\s*antes\s*de/i],
+];
+
+export function detectProvider(text: string): string | null {
+  for (const group of [BRAND, LAYOUT]) {
+    for (const [name, pattern] of group) {
+      if (pattern.test(text)) return name;
+    }
+  }
+  return null;
+}
+
+// --- CFE (electric) ---------------------------------------------------------
+
+function parseCfe(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  // The payment barcode line repeats the service number, the due date (YYMMDD)
+  // and the amount in one fixed-width run, and reads far more reliably than the
+  // label: on one sample the label came back as "0059603001917" (a digit too
+  // many) while its barcode gave the correct "005960300191". So the barcode
+  // wins, and the label becomes the cross-check rather than the source.
+  const barcode = text.match(/\b01\s+([0-9OIlSBD]{12})\s+([0-9OIlSBD]{6})\s+([0-9OIlSBD]{9})\b/);
+  const label = firstMatch(text, [/NO\.?\s*DE\s*SERVICIO\s*[:;.]?\s*([0-9OIlSBD]{10,14})/i]);
+
+  let accountRef: string | null = null;
+  let amount: number | null = null;
+  let dueDate: Date | null = null;
+  let crossChecked: boolean | null = null;
+
+  if (barcode) {
+    // Leading zeros are print padding: DATMEX.rpu holds the bare 10 digits.
+    accountRef = toDigits(barcode[1]).replace(/^0+/, "");
+    amount = Number(toDigits(barcode[3]));
+    const d = toDigits(barcode[2]);
+    dueDate = parseDate(`20${d.slice(0, 2)}-${d.slice(2, 4)}-${d.slice(4, 6)}`);
+    notes.push("importe y vencimiento leídos del código de barras");
+    if (label) {
+      crossChecked = toDigits(label).replace(/^0+/, "") === accountRef;
+      if (!crossChecked) {
+        notes.push(
+          `el número impreso (${toDigits(label).replace(/^0+/, "")}) no coincide con el código de barras`,
+        );
+      }
+    }
+  } else if (label) {
+    accountRef = toDigits(label).replace(/^0+/, "");
+    notes.push("sin código de barras legible; número tomado de la etiqueta");
+  }
+
+  if (amount == null) {
+    amount = money(firstMatch(text, [/TOTAL\s*A\s*PAGAR\s*[:;.]?\s*\$?\s*([\d,]+\.?\d*)/i]));
+  }
+  if (!dueDate) {
+    dueDate = parseDate(
+      firstMatch(text, [/L[IÍ]MITE\s*DE\s*PAGO\s*[:;.]?\s*(\d{1,2}\s+\w{3}\s+\d{2,4})/i]),
+    );
+  }
+
+  return {
+    provider: "CFE",
+    serviceKind: "ELECTRIC",
+    accountRef: accountRef || null,
+    cadastralKey: null,
+    amount,
+    dueDate,
+    period: firstMatch(text, [
+      /PERIODO\s*FACTURADO\s*[:;.]?\s*(\d{1,2}\s+\w{3}\s+\d{2}\s*-\s*\d{1,2}\s+\w{3}\s+\d{2})/i,
+    ]),
+    crossChecked,
+    notes,
+  };
+}
+
+// --- CESPT (water) ----------------------------------------------------------
+
+/**
+ * Two different layouts arrive under the same brand:
+ *   - the line-oriented "COMPROBANTE DE PAGO" (`Cuenta : 7604192`), and
+ *   - the tabular "RECIBO", where `No. DE CUENTA` is a column header.
+ * Line patterns are tried first; anything they miss falls through to the
+ * geometric read, which is what the tabular layout needs.
+ */
+function parseCespt(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  let account = firstMatch(text, [/Cuenta\s*[:;.]?\s*([0-9OIlSBD]{5,9})/i]);
+  if (!account) {
+    account = valueUnder(page, /^CUENTA$/i, { match: /^[0-9OIlSBD]{5,9}$/ });
+    if (account) notes.push("número de cuenta leído de la columna del recibo");
+  }
+
+  let clave = firstMatch(text, [/Cve\.?\s*Cat\.?\s*[:;.]?\s*([A-Z]{2}\s?[0-9OIlSBD]{6})/i]);
+  if (!clave) {
+    clave = valueUnder(page, /^CATASTRAL$/i, { match: /^[A-Z]{2}[0-9OIlSBD]{6}$/i });
+    if (clave) notes.push("clave catastral leída de la columna del recibo");
+  }
+
+  let due = firstMatch(text, [/Fecha\s*Venc\s*[:;.]?\s*(\d{2}\/\d{2}\/\d{4})/i]);
+  if (!due) due = valueUnder(page, /^VENCIMIENTO$/i, { match: /^\d{2}\/\d{2}\/\d{4}$/ });
+
+  const amount = money(
+    firstMatch(text, [
+      /TOTAL\s*[:;.]?\s*\$?\s*([\d,]+\.\d{2})/i,
+      /SALDO\s+CORRIENTE[^\n]*?([\d,]+\.\d{2})/i,
+    ]),
+  );
+
+  // Leading zeros are print padding here too: the RECIBO prints `0457341` for
+  // what DATMEX.agua holds as `457341`.
+  const accountRef = account ? toDigits(account).replace(/^0+/, "") : null;
+  const cadastralKey = clave
+    ? clave.replace(/\s/g, "").slice(0, 2).toUpperCase() +
+      toDigits(clave.replace(/\s/g, "").slice(2))
+    : null;
+
+  return {
+    provider: "CESPT",
+    serviceKind: "WATER",
+    accountRef: accountRef || null,
+    cadastralKey: cadastralKey || null,
+    amount,
+    dueDate: parseDate(due),
+    period: null,
+    crossChecked: null,
+    notes,
+  };
+}
+
+// --- TELNOR (telephone) -----------------------------------------------------
+
+function parseTelnor(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  const label = firstMatch(text, [
+    /Tel[eé]fono\s*[:;.]?\s*([0-9OIlSBD]{3}\s?[0-9OIlSBD]{3}\s?[0-9OIlSBD]{4})/i,
+  ]);
+  // The payment stub prints phone (10 digits) + amount in cents (9) + a check
+  // digit: `6646093444 000099900 7` for a $999.00 bill. Reading the amount as
+  // 10 digits swallows the check digit and inflates the figure 100-fold.
+  const barcode = text.match(/\b(\d{10})(\d{9})\d\b/);
+
+  let accountRef: string | null = null;
+  let crossChecked: boolean | null = null;
+
+  // The bill prints the number with its 664 Tijuana LADA; DATMEX stores the
+  // bare local 7 digits, so the LADA is dropped rather than the stored value
+  // being padded — padding would guess at an area code for the 500+ existing
+  // rows that never recorded one.
+  if (label) accountRef = toDigits(label).slice(-7);
+  if (barcode) {
+    const fromBarcode = barcode[1].slice(-7);
+    if (accountRef) {
+      crossChecked = fromBarcode === accountRef;
+      if (!crossChecked) notes.push("el teléfono impreso no coincide con el código de barras");
+    } else {
+      accountRef = fromBarcode;
+      notes.push("teléfono leído del código de barras");
+    }
+  }
+
+  let amount = money(firstMatch(text, [/Total\s*a\s*Pagar\s*[:;.]?\s*\$?\s*([\d,]+\.?\d{0,2})/i]));
+  if (amount == null && barcode) {
+    amount = Number(barcode[2]) / 100;
+    notes.push("importe leído del código de barras");
+  }
+
+  return {
+    provider: "TELNOR",
+    serviceKind: "TELEPHONE",
+    accountRef: accountRef || null,
+    cadastralKey: null,
+    amount,
+    dueDate: parseDate(
+      firstMatch(text, [/Pagar\s*antes\s*de\s*[:;.]?\s*(\d{2}-\w{3}-\d{4})/i]),
+    ),
+    period: firstMatch(text, [/Mes\s*de\s*Facturaci[oó]n\s*[:;.]?\s*(\w+)/i]),
+    crossChecked,
+    notes,
+  };
+}
+
+// --- GAS (Compañía de Gas de Tijuana / bajagas) ------------------------------
+
+/**
+ * These arrive as born-digital CFDI PDFs rather than scans, so the text layer
+ * (see `TesseractOcrProvider.textPages`) usually reads them exactly and the
+ * patterns below only have to be tolerant enough for the scanned case.
+ *
+ * The account number is printed three times — supply address, fiscal data, and
+ * the payment stub at the foot — which is a free cross-check: three readings
+ * that agree are near-certainly right, and any disagreement means one of them
+ * was misread and the page deserves a human glance.
+ *
+ * `Cuenta` is what the matcher compares, not `Contrato`. The migration
+ * recovered gas references out of `PropertyService.notes` into `meterNumber`
+ * and what sat there is the 9-digit account (`900003463`), printed here with a
+ * leading zero as `0900003463`.
+ */
+function parseGas(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  const seen = allMatches(text, /Cuenta\s*[:;.]?\s*([0-9OIlSBD]{6,12})/i).map((s) =>
+    toDigits(s).replace(/^0+/, ""),
+  );
+  const distinct = [...new Set(seen.filter(Boolean))];
+
+  let accountRef: string | null = null;
+  let crossChecked: boolean | null = null;
+  if (distinct.length === 1) {
+    accountRef = distinct[0];
+    if (seen.length > 1) crossChecked = true;
+  } else if (distinct.length > 1) {
+    // Majority wins — the stub and the two address blocks print the same
+    // number, so a single divergent reading is the misread one. It still goes
+    // to review: `crossChecked: false` is what keeps the batch from
+    // auto-matching a number one of three readings disagreed with.
+    const tally = new Map<string, number>();
+    for (const s of seen) tally.set(s, (tally.get(s) ?? 0) + 1);
+    accountRef = [...tally.entries()].sort((a, b) => b[1] - a[1])[0][0];
+    crossChecked = false;
+    notes.push(`el número de cuenta se leyó de ${distinct.length} formas distintas (${distinct.join(", ")})`);
+  }
+
+  const amount = money(
+    firstMatch(text, [
+      /TOTAL\s*A\s*PAGAR\s*[:;.]?\s*\$\s*([\d,]+\.\d{2})/i,
+      /Total\s*a\s*pagar\s*[:;.]?\s*\$\s*([\d,]+\.\d{2})/i,
+    ]),
+  );
+
+  // `20260630-20260630` — the range the bill was cut for. Both ends are the
+  // same reading date on every sample, so the period is reported as the ISO
+  // month rather than a range no ledger row would ever be searched by.
+  const facturado = firstMatch(text, [/PERIODO\s*FACTURADO\s*[:;.]?\s*(\d{8})\s*-\s*\d{8}/i]);
+  const period = facturado ? `${facturado.slice(0, 4)}-${facturado.slice(4, 6)}` : null;
+
+  return {
+    provider: "GAS TIJUANA",
+    serviceKind: "GAS",
+    accountRef: accountRef || null,
+    cadastralKey: null,
+    amount,
+    dueDate: parseDate(
+      firstMatch(text, [/Fecha\s*de\s*Vencimiento\s*[:;.]?\s*(\d{4}\s*\/\s*\d{2}\s*\/\s*\d{2})/i])?.replace(
+        /\s/g,
+        "",
+      ),
+    ),
+    period,
+    crossChecked,
+    notes,
+  };
+}
+
+// --- PREDIAL (municipal property tax) ---------------------------------------
+
+/**
+ * Normalise a printed clave catastral to the eight-character form
+ * `Property.cadastralKey` holds. The municipalities print it grouped
+ * (`KP-128-106`, `MM-B01-041`); the stored value drops the separators
+ * (`KP128106`, `MMB01041`).
+ *
+ * The shape is *not* two letters and six digits, which is the assumption that
+ * has to be resisted here. Across the 932 distinct claves on file, characters
+ * four through eight are digits without exception, but the third is a digit in
+ * 917 of them and one of `A`, `B`, `H`, `T` in the other fifteen. Running the
+ * whole tail through `toDigits` — which maps `B` to `8` — is what turned a real
+ * `MMB01041` into a nonexistent `MM801041`, so only positions four onward get
+ * that treatment and a letter in the third position is kept as printed.
+ *
+ * That leaves a genuine ambiguity at that one position: a `B` there might be a
+ * misread `8`, and 34 stored claves do carry an `8` there against six with a
+ * `B`. It is left as read rather than guessed, because a page that fails to
+ * match lands in the review queue where a human fixes it in seconds, while a
+ * page that matches the wrong property posts a charge to the wrong customer.
+ *
+ * The two-letter prefix is the other fragile part. Tesseract inserts a spurious
+ * `I` into letter pairs with some regularity — a real `MM-200-010` came back as
+ * `MIM-200-010` — so a run longer than two letters has its `I`/`L` dropped
+ * first, which recovers exactly that case. Anything still not two letters is
+ * truncated and flagged, because a wrong prefix silently matches the wrong
+ * property or, more often, nothing at all.
+ */
+export function normalizeCadastralKey(
+  raw: string,
+  notes: string[],
+): string | null {
+  const m = raw.match(/^([A-Za-z|]{2,5})[-\s]?([A-Za-z0-9|]{3})[-\s]?([0-9OIlSBD]{3})$/);
+  if (!m) return null;
+
+  let letters = m[1].toUpperCase().replace(/[^A-Z]/g, "");
+  if (letters.length > 2) {
+    const stripped = letters.replace(/[IL]/g, "");
+    if (stripped.length === 2) {
+      letters = stripped;
+    } else {
+      letters = letters.slice(0, 2);
+      notes.push(`la clave catastral se leyó como "${m[1]}"; se tomó "${letters}"`);
+    }
+  }
+  if (letters.length !== 2) return null;
+
+  const third = m[2][0].toUpperCase();
+  const tail =
+    (/[A-Z]/.test(third) ? third : toDigits(third)) +
+    toDigits(m[2].slice(1)) +
+    toDigits(m[3]);
+
+  return tail.length === 6 ? letters + tail : null;
+}
+
+/** The grouped clave as printed, anchored to its label when one survived OCR. */
+const GROUPED_CLAVE = "[A-Z|]{2,5}-[A-Z0-9OIlSBD]{3}-[0-9OIlSBD]{3}";
+
+function findCadastralKey(text: string, notes: string[]): string | null {
+  const labelled = firstMatch(text, [
+    new RegExp(`Clave\\s*Catastral\\s*[^A-Z0-9]{0,8}(${GROUPED_CLAVE})`, "i"),
+    new RegExp(`CLAVE\\s*[^A-Z0-9]{0,8}(${GROUPED_CLAVE})`, "i"),
+  ]);
+  if (labelled) return normalizeCadastralKey(labelled, notes);
+
+  // Ensenada's label ("CLAVE") lands inside a table header that OCRs into
+  // noise more often than not, so the bare grouped shape is accepted as a
+  // fallback. It is distinctive enough — two letters and two three-character
+  // groups joined by hyphens appears nowhere else on these pages.
+  const bare = firstMatch(text, [new RegExp(`\\b(${GROUPED_CLAVE})\\b`)]);
+  return bare ? normalizeCadastralKey(bare, notes) : null;
+}
+
+/**
+ * Tijuana: a "CERTIFICACIÓN DE CAJA" whose payment barcode is one 32-digit run
+ * of `account(8) + due date(DDMMYY) + amount(9) + folio(9)`, verified against
+ * all five sample pages. Municipal totals are whole pesos (the receipt itself
+ * carries a "Redondeo" line), so the barcode amount needs no decimal point.
+ *
+ * No clave catastral is printed anywhere on this layout — the 8-digit
+ * municipal account is the only identifier, and it is not a number the legacy
+ * database ever held. Until a reviewer confirms one, every Tijuana page lands
+ * in review; confirming teaches the matcher (see `learnAccountRefs`) so the
+ * same property matches itself next year.
+ */
+function parsePredialTijuana(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  const barcode = text.match(/(?<![0-9OIlSBD])([0-9OIlSBD]{32})(?![0-9OIlSBD])/);
+  const printedTotal = money(
+    firstMatch(text, [/TOTAL\s*A?\s*PAGAR\s*[:;.]?\s*\$?\s*([\d,]+\.?\d{0,2})/i]),
+  );
+
+  let accountRef: string | null = null;
+  let amount: number | null = printedTotal;
+  let dueDate: Date | null = null;
+  let crossChecked: boolean | null = null;
+
+  if (barcode) {
+    const run = toDigits(barcode[1]);
+    const d = run.slice(8, 14);
+    const fromBarcode = Number(run.slice(14, 23));
+    accountRef = run.slice(0, 8);
+    dueDate = parseDate(`20${d.slice(4, 6)}-${d.slice(2, 4)}-${d.slice(0, 2)}`);
+    notes.push("cuenta, importe y vencimiento leídos del código de barras");
+
+    if (printedTotal != null) {
+      // Guarding the money, not the account number: the printed total is the
+      // figure a human would key, so when the two disagree one of them is a
+      // misread peso amount and nothing should post unreviewed.
+      crossChecked = Math.abs(printedTotal - fromBarcode) < 0.5;
+      if (!crossChecked) {
+        notes.push(
+          `el total impreso (${printedTotal}) no coincide con el código de barras (${fromBarcode})`,
+        );
+      }
+    }
+    if (amount == null) amount = fromBarcode;
+  }
+
+  if (!dueDate) {
+    dueDate = parseDate(
+      firstMatch(text, [/FECHA\s*VENCE\s*[:;.]?\s*(\d{1,2}\/\w{3}\/\d{4})/i]),
+    );
+  }
+
+  return {
+    provider: "PREDIAL TIJUANA",
+    serviceKind: "PROPERTY_TAX",
+    accountRef: accountRef || null,
+    cadastralKey: null,
+    amount,
+    dueDate,
+    // The fiscal year, which is what the legacy ledger's `period` holds for
+    // predial ("2026" is its single most common value). It is read from the
+    // assessment table's year column, and failing that from the deadline: a
+    // predial bill for year N falls due on 31 January of year N.
+    period:
+      firstMatch(text, [/VALOR\s*FISCAL[\s\S]{0,160}?\b(20\d{2})\b/i]) ??
+      (dueDate ? String(dueDate.getUTCFullYear()) : null),
+    crossChecked,
+    notes,
+  };
+}
+
+/**
+ * Rosarito: a wide "CERTIFICACIÓN DE CAJA" keyed by clave catastral, with no
+ * account number of its own — the clave is the identifier, which is exactly
+ * what `Property.cadastralKey` holds, so these match on the first pass.
+ *
+ * The total is read with a negative lookbehind on "Sub": the receipt prints
+ * `Sub Total $5,409.39` (before the peso rounding) directly above
+ * `Total $5,409.00`, and taking the first "Total" on the page books 39 cents
+ * that the municipality did not charge. The lookbehind allows zero spaces
+ * because the label prints both ways — `Sub Total` on one sample and
+ * `SubTotal` on the next, and the tight one is what slipped past a fixed
+ * `Sub\s` and read $9,624.85 off a receipt for $9,625.00.
+ */
+function parsePredialRosarito(page: OcrPage): ParsedStatement {
+  const notes: string[] = [];
+  const text = page.text;
+
+  return {
+    provider: "PREDIAL ROSARITO",
+    serviceKind: "PROPERTY_TAX",
+    accountRef: null,
+    cadastralKey: findCadastralKey(text, notes),
+    amount: money(firstMatch(text, [/(?<!Sub\s{0,3})Total\s*[|:;.]?\s*\$\s*([\d,]+\.\d{2})/i])),
+    // "EXTEMPORANEO DESPUES DE: 31/01/2026" — the leading E is regularly eaten
+    // by the box rule printed over it, so the anchor starts at "XTEMPORANEO".
+    dueDate: parseDate(
+      firstMatch(text, [/XTEMPOR[AÁ]NEO\s*DESPU[EÉ]S\s*DE\s*[:;.]?\s*(\d{2}\/\d{2}\/\d{4})/i]),
+    ),
+    period: firstMatch(text, [/Periodo\s*por\s*Pagar\s*[:;.]?\s*(20\d{2})/i]),
+    crossChecked: null,
+    notes,
+  };
+}
+
+/**
+ * Ensenada: a dot-matrix "IMPRESION MAQUINA REGISTRADORA" statement, by some
+ * distance the worst-scanning of the three. Matching is by clave catastral.
+ *
+ * The amount is read positionally rather than by label, because the label does
+ * not survive: across five real pages the same word came back as `TOTAL:`,
+ * `TOTA LA A` and `orAL:`. What is stable is the row — the summary line that
+ * starts `TOTALES` carries the assessed figures across it and the amount
+ * actually paid last, at the right margin.
+ *
+ * That last figure must carry a literal `$`. On a real sample the paid total
+ * printed as `TOTAL: A $2,203.00` and OCR'd as `TOTAL: A 82,203.00` — the
+ * dollar sign read as an 8, a mistake that would post a $2,203 charge as
+ * $82,203 and look entirely ordinary in the ledger. Requiring the `$` costs
+ * that page its amount and sends it to review, which is the only acceptable
+ * failure here. The unprefixed figures earlier on the row are deliberately not
+ * a fallback: they are the tax assessed before the early-payment discount, not
+ * what was paid.
+ */
+function parsePredialEnsenada(page: OcrPage): ParsedStatement {
+  const notes: string[] = [];
+  const text = page.text;
+
+  const totalsRow = text.split("\n").find((l) => /TOTALES/i.test(l)) ?? "";
+  const figures = allMatches(totalsRow, /\$\s*(\d[\d,.\s]*\.\d{2})/);
+  const amount = figures.length ? money(figures[figures.length - 1]) : null;
+  if (amount == null) {
+    notes.push("no se pudo leer el importe con certeza; capturarlo a mano");
+  }
+
+  return {
+    provider: "PREDIAL ENSENADA",
+    serviceKind: "PROPERTY_TAX",
+    accountRef: null,
+    cadastralKey: findCadastralKey(text, notes),
+    amount,
+    // This layout prints no payment deadline at all — it is a receipt for a
+    // payment already made at the municipal window.
+    dueDate: null,
+    period: firstMatch(text, [/A[ÑN]O\s*[\s\S]{0,60}?\b(20\d{2})\b/i]),
+    crossChecked: null,
+    notes,
+  };
+}
+
+// --- ZONA FEDERAL (ZOFEMAT, Tijuana) ----------------------------------------
+
+/**
+ * Normalise the concession clave the zona federal receipt is keyed by.
+ *
+ * It is printed grouped and loosely spaced — `12-T -012`, `14-A-119`,
+ * `14-K -031` — and is a different shape from the cadastral key entirely: two
+ * digits, one letter, three digits. The letter is kept as printed rather than
+ * digitised, for the same reason `normalizeCadastralKey` keeps its third
+ * character: `toDigits` maps `B` to `8` and `D` to `0`, and a real `14-D -014`
+ * run through it becomes `140014`, which is not a clave at all.
+ *
+ * Stored without separators, because nothing on file holds this value yet (see
+ * `parseZonaFederal`) so the canonical form is ours to pick, and a bare run
+ * cannot be broken by the hyphen the scan renders as a dash, a minus or
+ * nothing.
+ */
+export function normalizeZofematKey(raw: string): string | null {
+  const m = raw.match(/^([0-9OIlSBD]{2})\s*-\s*([A-Za-z])\s*-?\s*([0-9OIlSBD]{3})$/);
+  if (!m) return null;
+  const zone = toDigits(m[1]);
+  const lot = toDigits(m[3]);
+  if (zone.length !== 2 || lot.length !== 3) return null;
+  return `${zone}${m[2].toUpperCase()}${lot}`;
+}
+
+/**
+ * The bimester the receipt prints as `2026-2 / 2026-2`, rendered in the
+ * vocabulary the ledger already speaks.
+ *
+ * All 258 legacy FEDERAL ZONE transactions carry a period of `JAN/FEB`,
+ * `MAR/APR`, `MAY/JUN` or `NOV/DEC`, and their payment dates confirm the
+ * ordering — JAN/FEB was paid in March, MAR/APR in May, MAY/JUN in July,
+ * NOV/DEC in January, i.e. always the month after the bimester closes. The
+ * receipts agree: the two `2026-3` samples fall due 17/07/2026 with no
+ * surcharge, which is bimester three, May and June. Writing `2026-3` instead
+ * would leave the OCR-posted rows unsearchable alongside every hand-keyed one.
+ */
+const BIMESTERS = ["JAN/FEB", "MAR/APR", "MAY/JUN", "JUL/AUG", "SEP/OCT", "NOV/DEC"];
+
+/**
+ * Tijuana's "Zona Federal Marítimo Terrestre" — the federal maritime-zone
+ * occupancy fee, billed by the municipality for beachfront lots.
+ *
+ * Nothing on file identifies these. `PropertyService.accountNumber` for
+ * FEDERAL_ZONE holds DATMEX.zfed, which is not a reference at all but an
+ * amount: its 77 values include `246.06`, `2369.09`, `22653.94` and a negative
+ * `-1679`, and the concession claves these receipts are keyed by appear nowhere
+ * in the database. So the clave goes to `meterNumber` (see `scopedRefField`),
+ * every page starts cold, and the first confirm teaches the match — the same
+ * arrangement Tijuana predial needed, for the same reason.
+ *
+ * The amount is taken from the SubTotal row rather than the "Total a pagar"
+ * box, which is printed on a grey fill and OCR'd on only 1 of 8 sample pages
+ * while the SubTotal row read on 8 of 8. The two differ by design: the
+ * municipality rounds to whole pesos and prints the difference on its own
+ * "Ajuste Ley Hacienda Mpal" line — `-$0.05` against a 591.05 subtotal, `$0.21`
+ * against 2,872.79 — so the payable figure is the rounded subtotal, and where
+ * the printed box did read, it agreed.
+ */
+function parseZonaFederal(page: OcrPage): ParsedStatement {
+  const text = page.text;
+  const notes: string[] = [];
+
+  // Printed twice, once on the receipt and once on the stub below it, which is
+  // a free second reading: on one sample the heading was struck through by the
+  // office's own highlighter and only the stub survived.
+  const claves = [
+    ...new Set(
+      allMatches(text, /Clave\s*[:;.]?\s*([0-9OIlSBD]{2}\s*-\s*[A-Za-z]\s*-?\s*[0-9OIlSBD]{3})/i)
+        .map(normalizeZofematKey)
+        .filter((k): k is string => k != null),
+    ),
+  ];
+
+  const accountRef = claves[0] ?? null;
+  let crossChecked: boolean | null = null;
+
+  const subtotalRow = text.split("\n").find((l) => /SubTotal/i.test(l)) ?? "";
+  const figures = allMatches(subtotalRow, /(\d[\d,]*\.\d{2})/);
+  // Impuesto, Actualización, Recargo, Multa, Importe — the payable one is last.
+  const importe = figures.length ? money(figures[figures.length - 1]) : null;
+  const rounded = importe != null ? Math.round(importe) : null;
+  const printed = money(
+    firstMatch(text, [/Total\s*a\s*pagar\s*[:;.]?\s*\$?\s*([\d,]+\.\d{2})/i]),
+  );
+
+  if (printed != null && rounded != null) {
+    crossChecked = Math.abs(printed - rounded) < 0.5;
+    if (!crossChecked) {
+      notes.push(
+        `el total impreso (${printed}) no coincide con el subtotal redondeado (${rounded})`,
+      );
+    }
+  } else if (rounded != null) {
+    notes.push("importe tomado del subtotal, redondeado al peso");
+  } else if (printed == null) {
+    notes.push("no se pudo leer el importe con certeza; capturarlo a mano");
+  }
+
+  // A clave read two different ways means one of the two readings is wrong and
+  // there is no third to break the tie, so the page goes to a human even if the
+  // money cross-checked.
+  if (claves.length > 1) {
+    crossChecked = false;
+    notes.push(`la clave se leyó de ${claves.length} formas distintas (${claves.join(", ")})`);
+  }
+  if (!accountRef) notes.push("no se pudo leer la clave de la concesión");
+
+  const bimester = text.match(/\b(20\d{2})\s*-\s*([1-6])\s*\/\s*20\d{2}\s*-\s*[1-6]/);
+
+  return {
+    provider: "ZONA FEDERAL TIJUANA",
+    serviceKind: "FEDERAL_ZONE",
+    accountRef,
+    cadastralKey: null,
+    amount: printed ?? rounded,
+    dueDate: parseDate(
+      firstMatch(text, [/Vencimiento\s*[:;.]?\s*(\d{2}\/\d{2}\/\d{4})/i]),
+    ),
+    period: bimester ? BIMESTERS[+bimester[2] - 1] : null,
+    crossChecked,
+    notes,
+  };
+}
+
+const PARSERS: Record<string, (page: OcrPage) => ParsedStatement> = {
+  CFE: parseCfe,
+  CESPT: parseCespt,
+  TELNOR: parseTelnor,
+  "GAS TIJUANA": parseGas,
+  "PREDIAL TIJUANA": parsePredialTijuana,
+  "PREDIAL ROSARITO": parsePredialRosarito,
+  "PREDIAL ENSENADA": parsePredialEnsenada,
+  "ZONA FEDERAL TIJUANA": parseZonaFederal,
+};
+
+const EMPTY: ParsedStatement = {
+  provider: null,
+  serviceKind: null,
+  accountRef: null,
+  cadastralKey: null,
+  amount: null,
+  dueDate: null,
+  period: null,
+  crossChecked: null,
+  notes: [],
+};
+
+/** Detect the provider and run its parser. */
+export function parseStatement(page: OcrPage): ParsedStatement {
+  const provider = detectProvider(page.text);
+  if (!provider) return { ...EMPTY, notes: ["no se reconoció el proveedor"] };
+  return PARSERS[provider](page);
+}

apps/api/src/statements/statement-matcher.service.ts

@@ -0,0 +1,236 @@
+import { Injectable } from "@nestjs/common";
+import type { ServiceKind } from "@jorgecuadros/database";
+import { PrismaService } from "../prisma/prisma.service";
+import type { ParsedStatement } from "./parsers/statement-parser";
+
+export interface MatchResult {
+  propertyServiceId: string | null;
+  customerId: string | null;
+  /** Why it landed here — shown in the review queue verbatim. */
+  note: string;
+  /** True only for an unambiguous hit on the scoped field. */
+  confident: boolean;
+  /** Populated when more than one service claims the same number. */
+  candidates: { propertyServiceId: string; customerId: string; customerName: string }[];
+}
+
+/**
+ * Resolves a parsed statement to the customer who should be billed for it.
+ *
+ * Two rules govern everything here.
+ *
+ * **Match on one scoped field, never fuzzily across all identifiers.** Each
+ * service kind has exactly one column its statements print, and only that
+ * column is consulted. A blanket search over accountNumber/meterNumber/route
+ * would let a water account number collide with an unrelated phone number, and
+ * the resulting mis-post would look perfectly ordinary in the ledger.
+ *
+ * **Never match on the customer name.** The name on a utility bill is the
+ * account's registrant, which drifts from the current owner and is often years
+ * stale — one sample CESPT receipt is printed to "ARNAIZ ROSAS ELSA AURORA"
+ * for an account this office holds under "CATT, RANDY", who is not the same
+ * person. Names are displayed for the reviewer to sanity-check, and are never
+ * an input to matching.
+ */
+/**
+ * Which `PropertyService` column a given kind's statements actually print.
+ *
+ * Exported because the same answer governs three places that must agree: the
+ * lookup here, the blank-service fill on review, and the write-back on confirm.
+ * When they disagree, a reference gets learned into a column nothing searches,
+ * and the same page returns to the review queue every month forever.
+ *
+ * `meterNumber` is doing double duty for the three kinds whose printed
+ * reference DATMEX never held in `accountNumber`:
+ *   - GAS, where the number lived in free-text notes,
+ *   - PROPERTY_TAX, where `accountNumber` holds DATMEX.predial — a 3-4 digit
+ *     office file number that is neither unique nor printed on any statement.
+ *     The Tijuana municipal receipt prints an 8-digit account and no clave
+ *     catastral at all, so it needs a column of its own; overwriting the legacy
+ *     predial numbers to make room would destroy the only link back to the
+ *     original records, and
+ *   - FEDERAL_ZONE, where `accountNumber` holds DATMEX.zfed, which is not a
+ *     reference of any kind but a peso amount: 3 of its 77 values carry cents
+ *     (`246.06`, `2369.09`, `22653.94`) and one is negative. Searching it for
+ *     the concession clave the receipt prints would never hit, and — worse —
+ *     because every row already has a value, the `[field]: null` guards in
+ *     `learnAccountRefs` and the blank-service fill would never fire either, so
+ *     the same page would return to the review queue every bimester forever.
+ */
+export function scopedRefField(
+  kind: ServiceKind,
+): "accountNumber" | "meterNumber" | null {
+  switch (kind) {
+    case "ELECTRIC": // CFE "NO. DE SERVICIO" -> DATMEX.rpu
+    case "WATER": // CESPT "Cuenta" / "No. DE CUENTA" -> DATMEX.agua
+    case "TELEPHONE": // Telnor "Teléfono" (LADA stripped) -> DATMEX.telefono
+    case "CABLE":
+      return "accountNumber";
+    case "GAS": // bajagas "Cuenta" -> recovered from notes into meterNumber
+    case "PROPERTY_TAX": // Tijuana's 8-digit municipal account
+    case "FEDERAL_ZONE": // ZOFEMAT concession clave, e.g. `12T012`
+      return "meterNumber";
+    default:
+      return null;
+  }
+}
+
+@Injectable()
+export class StatementMatcherService {
+  constructor(private readonly prisma: PrismaService) {}
+
+  async match(parsed: ParsedStatement, expectedKind: ServiceKind): Promise<MatchResult> {
+    const kind = parsed.serviceKind ?? expectedKind;
+
+    // The uploader labels a batch with one service kind. If the parser reads a
+    // page as a different provider, that is a mis-sorted page, not a match —
+    // posting it would book a phone bill as a water charge.
+    if (parsed.serviceKind && parsed.serviceKind !== expectedKind) {
+      return this.unmatched(
+        `la página parece de ${parsed.provider} (${parsed.serviceKind}) pero el lote es de ${expectedKind}`,
+      );
+    }
+
+    const field = scopedRefField(kind);
+
+    if (field && parsed.accountRef) {
+      const hit = await this.byServiceField(kind, field, parsed.accountRef);
+      if (hit) return hit;
+    }
+
+    // The clave catastral is printed on CESPT bills as well as predial ones, so
+    // it rescues a page whose account number did not OCR — which happened on
+    // real samples, where the clave read cleanly and the account number did
+    // not. On the Rosarito and Ensenada predial layouts it is not a rescue at
+    // all but the only identifier the receipt carries, so a unique hit there is
+    // as good as any account-number match and is treated as one.
+    if (parsed.cadastralKey) {
+      const primary = kind === "PROPERTY_TAX" && !parsed.accountRef;
+      const hit = await this.byCadastralKey(kind, parsed.cadastralKey, primary);
+      if (hit) return hit;
+    }
+
+    if (!field && !parsed.cadastralKey) {
+      return this.unmatched(`no hay campo de búsqueda definido para ${kind}`);
+    }
+    if (!parsed.accountRef && !parsed.cadastralKey) {
+      return this.unmatched(
+        kind === "PROPERTY_TAX"
+          ? "no se leyó ni la clave catastral ni la cuenta municipal"
+          : "no se pudo leer la referencia de la cuenta",
+      );
+    }
+    return this.unmatched(
+      parsed.accountRef
+        ? `no se encontró ningún servicio de ${kind} con la referencia ${parsed.accountRef}`
+        : `no se encontró ninguna propiedad con la clave catastral ${parsed.cadastralKey}`,
+    );
+  }
+
+  private async byServiceField(
+    kind: ServiceKind,
+    field: "accountNumber" | "meterNumber",
+    ref: string,
+  ): Promise<MatchResult | null> {
+    const rows = await this.prisma.propertyService.findMany({
+      where: { kind, [field]: ref },
+      select: {
+        id: true,
+        property: {
+          select: { customerId: true, customer: { select: { name: true } } },
+        },
+      },
+    });
+    if (rows.length === 0) return null;
+
+    const candidates = rows.map((r) => ({
+      propertyServiceId: r.id,
+      customerId: r.property.customerId,
+      customerName: r.property.customer.name,
+    }));
+
+    // Duplicate account numbers do occur in the legacy data (the office's own
+    // DUPLICADOS report existed for a reason), so every candidate is surfaced
+    // for the reviewer to choose rather than one being picked arbitrarily.
+    if (rows.length > 1) {
+      return {
+        propertyServiceId: null,
+        customerId: null,
+        note: `${rows.length} servicios comparten la referencia ${ref}`,
+        confident: false,
+        candidates,
+      };
+    }
+
+    return {
+      propertyServiceId: candidates[0].propertyServiceId,
+      customerId: candidates[0].customerId,
+      note: `coincidencia exacta por ${field === "accountNumber" ? "número de cuenta" : "medidor"} ${ref}`,
+      confident: true,
+      candidates,
+    };
+  }
+
+  private async byCadastralKey(
+    kind: ServiceKind,
+    key: string,
+    /** True when the clave is the identifier the statement was issued against. */
+    primary: boolean,
+  ): Promise<MatchResult | null> {
+    const props = await this.prisma.property.findMany({
+      where: { cadastralKey: key },
+      select: {
+        customerId: true,
+        customer: { select: { name: true } },
+        services: { where: { kind }, select: { id: true } },
+      },
+    });
+    if (props.length === 0) return null;
+
+    const candidates = props.flatMap((p) =>
+      (p.services.length ? p.services.map((s) => s.id) : [null]).map((sid) => ({
+        propertyServiceId: sid as string,
+        customerId: p.customerId,
+        customerName: p.customer.name,
+      })),
+    );
+
+    if (candidates.length > 1) {
+      return {
+        propertyServiceId: null,
+        customerId: null,
+        note: `${candidates.length} propiedades comparten la clave catastral ${key}`,
+        confident: false,
+        candidates,
+      };
+    }
+
+    // When the clave is the *secondary* key — a utility bill that also happens
+    // to print it — the page is left for review, because the clave was not the
+    // number the statement was issued against and confirming is what teaches
+    // the matcher the account number for next month. When it is the primary key
+    // (Rosarito and Ensenada predial, which print nothing else), a unique hit
+    // is a real match and there is no second number to learn.
+    return {
+      propertyServiceId: candidates[0].propertyServiceId ?? null,
+      customerId: candidates[0].customerId,
+      note: primary
+        ? `coincidencia exacta por clave catastral ${key}`
+        : `identificado por clave catastral ${key}; confirme para registrar también el número de cuenta`,
+      // A clave with no service row of the right kind behind it still needs a
+      // human: there is nothing to attach the posting to.
+      confident: primary && candidates[0].propertyServiceId != null,
+      candidates,
+    };
+  }
+
+  private unmatched(note: string): MatchResult {
+    return {
+      propertyServiceId: null,
+      customerId: null,
+      note,
+      confident: false,
+      candidates: [],
+    };
+  }
+}

apps/api/src/statements/statement.dto.ts

@@ -0,0 +1,52 @@
+import {
+  IsBoolean,
+  IsEnum,
+  IsInt,
+  IsNumber,
+  IsOptional,
+  IsString,
+  MinLength,
+} from "class-validator";
+import { Currency, ServiceKind, StatementDocumentStatus } from "@jorgecuadros/database";
+
+export class CreateStatementBatchDto {
+  @IsEnum(ServiceKind) serviceKind!: ServiceKind;
+  @IsOptional() @IsString() label?: string;
+}
+
+/** Staff correction of one document's extracted fields or its match. */
+export class ReviewDocumentDto {
+  @IsOptional() @IsString() accountRef?: string;
+  @IsOptional() @IsNumber() amount?: number;
+  @IsOptional() @IsString() period?: string;
+  @IsOptional() @IsString() dueDate?: string;
+  @IsOptional() @IsString() matchedPropertyServiceId?: string;
+  @IsOptional() @IsString() matchedCustomerId?: string;
+  // Restricted to the review-reachable states: a client cannot declare a
+  // document POSTED, because only a successful ledger write may do that.
+  @IsOptional()
+  @IsEnum(StatementDocumentStatus)
+  status?: Extract<StatementDocumentStatus, "MATCHED" | "NEEDS_REVIEW" | "CONFIRMED">;
+}
+
+/**
+ * Post a batch's confirmed documents. The check-level fields are shared by
+ * every line, exactly as on the manual batch-capture screen — an OCR batch is
+ * still "these receipts, paid by this check".
+ */
+export class ConfirmBatchDto {
+  @IsString() @MinLength(1) checkNumber!: string;
+  @IsString() @MinLength(1) transactionDate!: string;
+  @IsOptional() @IsEnum(Currency) currency?: Currency;
+  /** Overrides the concept derived from the batch's service kind. */
+  @IsOptional() @IsString() typeId?: string;
+  /** Post as outstanding (sin fondos) — captured but not yet funded. */
+  @IsOptional() @IsBoolean() outstanding?: boolean;
+  /** Also post documents a reviewer explicitly marked CONFIRMED. */
+  @IsOptional() @IsBoolean() includeReviewed?: boolean;
+}
+
+export class ListBatchesQuery {
+  @IsOptional() @IsInt() page?: number;
+  @IsOptional() @IsInt() pageSize?: number;
+}

apps/api/src/statements/statements.controller.ts

@@ -0,0 +1,174 @@
+import {
+  Body,
+  Controller,
+  Get,
+  Param,
+  Patch,
+  Post,
+  Query,
+  Req,
+  Res,
+  StreamableFile,
+  UploadedFiles,
+  UseGuards,
+  UseInterceptors,
+} from "@nestjs/common";
+import { FilesInterceptor } from "@nestjs/platform-express";
+import type { ServiceKind, StatementDocumentStatus } from "@jorgecuadros/database";
+import type { Request, Response } from "express";
+import { AuthenticatedGuard } from "../auth/authenticated.guard";
+import { AbilityGuard } from "../auth/ability.guard";
+import { RequireAbility } from "../auth/require-ability.decorator";
+import { AuditService } from "../common/audit.service";
+import type { UploadedFileLike } from "../storage/upload-file";
+import { StatementsService } from "./statements.service";
+import { ConfirmBatchDto, ReviewDocumentDto } from "./statement.dto";
+
+/**
+ * Statement OCR intake (RECEIPT_CAPTURE_SPEC §2).
+ *
+ * Nothing here writes to the ledger directly — confirming a batch delegates to
+ * BillingService, so an OCR-captured charge is indistinguishable from a
+ * hand-keyed one except for its `captureSource`.
+ */
+@Controller("statements")
+@UseGuards(AuthenticatedGuard, AbilityGuard)
+export class StatementsController {
+  constructor(
+    private readonly statements: StatementsService,
+    private readonly audit: AuditService,
+  ) {}
+
+  private actingId(req: Request): string {
+    return (req.user as { id: string } | undefined)?.id ?? "";
+  }
+
+  /**
+   * Whether this deployment can ingest scans at all — the UI hides automatic
+   * capture without it. Both halves are needed: OCR to read the page, object
+   * storage to keep it.
+   */
+  @Get("status")
+  async status() {
+    return {
+      ocrAvailable: await this.statements.ocrAvailable(),
+      storageAvailable: this.statements.storageAvailable(),
+    };
+  }
+
+  @Get("batches")
+  listBatches(@Query("page") page?: string, @Query("pageSize") pageSize?: string) {
+    return this.statements.listBatches(
+      Math.max(1, Number(page) || 1),
+      Math.min(100, Math.max(1, Number(pageSize) || 25)),
+    );
+  }
+
+  @Get("batches/:id")
+  getBatch(@Param("id") id: string) {
+    return this.statements.getBatch(id);
+  }
+
+  @Get("batches/:id/documents")
+  listDocuments(@Param("id") id: string, @Query("status") status?: string) {
+    return this.statements.listDocuments(
+      id,
+      (status || undefined) as StatementDocumentStatus | undefined,
+    );
+  }
+
+  /** The rendered page, so a reviewer can compare it against what was read. */
+  @Get("documents/:id/page")
+  async pageImage(@Param("id") id: string, @Res({ passthrough: true }) res: Response) {
+    const { stream, contentType, contentLength } = await this.statements.pageImage(id);
+    res.set({
+      "Content-Type": contentType ?? "image/png",
+      ...(contentLength ? { "Content-Length": String(contentLength) } : {}),
+    });
+    return new StreamableFile(stream);
+  }
+
+  // --- writes ---------------------------------------------------------------
+
+  @Post("batches")
+  @RequireAbility("statement:ingest")
+  @UseInterceptors(
+    // A month of one company's statements is a handful of multi-page scans;
+    // 25 files at 50MB covers that with room to spare.
+    FilesInterceptor("files", 25, { limits: { fileSize: 50 * 1024 * 1024 } }),
+  )
+  async createBatch(
+    @UploadedFiles() files: UploadedFileLike[] | undefined,
+    @Query("serviceKind") serviceKind: ServiceKind,
+    @Query("label") label: string | undefined,
+    @Req() req: Request,
+  ) {
+    const batch = await this.statements.createBatch(
+      files ?? [],
+      serviceKind,
+      this.actingId(req),
+      label,
+    );
+    void this.audit.log(this.actingId(req), "statement.batch.create", {
+      batchId: batch.id,
+      serviceKind,
+      fileCount: batch.fileCount,
+    });
+    return batch;
+  }
+
+  @Patch("documents/:id")
+  @RequireAbility("statement:review")
+  async review(
+    @Param("id") id: string,
+    @Body() dto: ReviewDocumentDto,
+    @Req() req: Request,
+  ) {
+    const doc = await this.statements.review(id, dto, this.actingId(req));
+    void this.audit.log(this.actingId(req), "statement.document.review", {
+      documentId: id,
+      status: doc.status,
+    });
+    return doc;
+  }
+
+  @Post("documents/:id/reject")
+  @RequireAbility("statement:review")
+  async reject(@Param("id") id: string, @Req() req: Request) {
+    const doc = await this.statements.reject(id, this.actingId(req));
+    void this.audit.log(this.actingId(req), "statement.document.reject", {
+      documentId: id,
+    });
+    return doc;
+  }
+
+  /** Abandon a batch pending review — rejects every unposted page. */
+  @Post("batches/:id/discard")
+  @RequireAbility("statement:review")
+  async discard(@Param("id") id: string, @Req() req: Request) {
+    const result = await this.statements.discardBatch(id, this.actingId(req));
+    void this.audit.log(this.actingId(req), "statement.batch.discard", {
+      batchId: id,
+      rejected: result.rejected,
+    });
+    return result;
+  }
+
+  /** Post every matched document in the batch, against one check. */
+  @Post("batches/:id/confirm")
+  @RequireAbility("statement:review")
+  async confirm(
+    @Param("id") id: string,
+    @Body() dto: ConfirmBatchDto,
+    @Req() req: Request,
+  ) {
+    const result = await this.statements.confirmBatch(id, dto, this.actingId(req));
+    void this.audit.log(this.actingId(req), "statement.batch.confirm", {
+      batchId: id,
+      posted: result.posted,
+      total: result.total,
+      checkNumber: dto.checkNumber,
+    });
+    return result;
+  }
+}

apps/api/src/statements/statements.module.ts

@@ -0,0 +1,18 @@
+import { Module } from "@nestjs/common";
+import { BillingModule } from "../billing/billing.module";
+import { OcrModule } from "../ocr/ocr.module";
+import { StatementsController } from "./statements.controller";
+import { StatementsService } from "./statements.service";
+import { StatementMatcherService } from "./statement-matcher.service";
+
+/**
+ * The concrete OCR engine is bound in OcrModule (see apps/api/src/ocr/) —
+ * everything downstream depends on the OcrProvider interface, so swapping
+ * Tesseract for a managed extraction API is a one-line change there.
+ */
+@Module({
+  imports: [BillingModule, OcrModule],
+  controllers: [StatementsController],
+  providers: [StatementsService, StatementMatcherService],
+})
+export class StatementsModule {}

apps/api/src/statements/statements.service.ts

@@ -0,0 +1,526 @@
+import {
+  BadRequestException,
+  Inject,
+  Injectable,
+  Logger,
+  NotFoundException,
+} from "@nestjs/common";
+import {
+  Prisma,
+  type ServiceKind,
+  type StatementDocumentStatus,
+} from "@jorgecuadros/database";
+import { PrismaService } from "../prisma/prisma.service";
+import { StorageService } from "../storage/storage.service";
+import { BillingService } from "../billing/billing.service";
+import type { UploadedFileLike } from "../storage/upload-file";
+import { OCR_PROVIDER, type OcrProvider } from "./ocr/ocr.provider";
+import { parseStatement } from "./parsers/statement-parser";
+import { StatementMatcherService, scopedRefField } from "./statement-matcher.service";
+import type { ConfirmBatchDto, ReviewDocumentDto } from "./statement.dto";
+
+/**
+ * Default ledger concept per service kind. The names are the legacy
+ * `TYPE OF TRX` values already in `type_transactions`, resolved by name once
+ * per confirm rather than hard-coded as ids, which differ per environment.
+ */
+const CONCEPT_BY_KIND: Partial<Record<ServiceKind, string>> = {
+  ELECTRIC: "ELECTRIC",
+  WATER: "WATER",
+  TELEPHONE: "TELEPHONE",
+  GAS: "GAS BUTANO",
+  PROPERTY_TAX: "PROPERTY TAXES",
+  FEDERAL_ZONE: "FEDERAL ZONE",
+  CABLE: "CABLE",
+};
+
+/** Statuses a document can still be worked on from. */
+const OPEN: StatementDocumentStatus[] = ["NEEDS_REVIEW", "MATCHED", "CONFIRMED"];
+
+@Injectable()
+export class StatementsService {
+  private readonly logger = new Logger(StatementsService.name);
+
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly storage: StorageService,
+    private readonly billing: BillingService,
+    private readonly matcher: StatementMatcherService,
+    @Inject(OCR_PROVIDER) private readonly ocr: OcrProvider,
+  ) {}
+
+  ocrAvailable(): Promise<boolean> {
+    return this.ocr.available();
+  }
+
+  /** Scans are stored as blobs, so no object storage means no intake. */
+  storageAvailable(): boolean {
+    return this.storage.available;
+  }
+
+  // --- ingest ---------------------------------------------------------------
+
+  /**
+   * Accept a batch of scanned PDFs and start processing.
+   *
+   * Processing is kicked off but deliberately not awaited: 300 pages of OCR is
+   * minutes of CPU, far past any sane HTTP timeout. The caller gets the batch
+   * id immediately and polls its status, which is also what lets the review
+   * queue show partial progress.
+   */
+  async createBatch(
+    files: UploadedFileLike[],
+    serviceKind: ServiceKind,
+    uploadedById: string,
+    label?: string,
+  ) {
+    if (!files?.length) throw new BadRequestException("No se recibió ningún archivo.");
+    if (!(await this.ocr.available())) {
+      throw new BadRequestException(
+        "El servidor no tiene OCR instalado; no se pueden procesar recibos.",
+      );
+    }
+    // Checked here rather than at the first `put`, which would only surface as
+    // a FAILED batch minutes later.
+    if (!this.storage.available) {
+      throw new BadRequestException(
+        "El almacenamiento de documentos no está configurado; no se pueden " +
+          "guardar los recibos escaneados.",
+      );
+    }
+
+    const batch = await this.prisma.statementBatch.create({
+      data: { serviceKind, uploadedById, label, fileCount: files.length },
+    });
+
+    // Buffers are held for the background pass; the request's own copies would
+    // otherwise be garbage once the response is sent.
+    const copies = files.map((f) => ({ buffer: f.buffer, name: f.originalname }));
+    void this.process(batch.id, copies, serviceKind).catch(async (err) => {
+      this.logger.error(`Batch ${batch.id} failed: ${(err as Error).message}`);
+      await this.prisma.statementBatch.update({
+        where: { id: batch.id },
+        data: { status: "FAILED", error: (err as Error).message },
+      });
+    });
+
+    return batch;
+  }
+
+  /** Render → OCR → parse → match, one document row per page. */
+  private async process(
+    batchId: string,
+    files: { buffer: Buffer; name?: string }[],
+    serviceKind: ServiceKind,
+  ) {
+    await this.prisma.statementBatch.update({
+      where: { id: batchId },
+      data: { status: "PROCESSING" },
+    });
+
+    let pageNumber = 0;
+    for (const file of files) {
+      // The source PDF is kept as well as the page images: it is the artifact
+      // the office actually received, and the only way to re-run a corrected
+      // parser over the original later.
+      const sourceKey = `statement/${batchId}/source-${pageNumber + 1}.pdf`;
+      await this.storage.put(sourceKey, file.buffer, "application/pdf");
+
+      const pages = await this.ocr.renderPages(file.buffer);
+      // Page images are still rendered and stored for every file, text layer or
+      // not: the review screen shows the reviewer the page, and "what the
+      // parser read" is only checkable against a picture of the paper.
+      const textLayer = await this.ocr.textPages(file.buffer).catch(() => []);
+
+      for (const [index, image] of pages.entries()) {
+        pageNumber += 1;
+        const storageKey = `statement/${batchId}/page-${pageNumber}.png`;
+        await this.storage.put(storageKey, image, "image/png");
+
+        try {
+          const embedded = textLayer[index] ?? null;
+          const ocr = embedded ?? (await this.ocr.recognize(image));
+          const parsed = parseStatement(ocr);
+          if (embedded) {
+            parsed.notes.unshift("texto leído del PDF original, sin OCR");
+          }
+          const match = await this.matcher.match(parsed, serviceKind);
+
+          const notes = [...parsed.notes, match.note].filter(Boolean);
+          // A confident field match is only trusted when nothing contradicts
+          // it: a barcode that disagrees with the printed number means one of
+          // the two was misread, and which one is a judgement call.
+          const trusted = match.confident && parsed.crossChecked !== false;
+
+          await this.prisma.statementDocument.create({
+            data: {
+              batchId,
+              pageNumber,
+              storageKey,
+              status: trusted ? "MATCHED" : "NEEDS_REVIEW",
+              ocrRawText: ocr.text,
+              ocrConfidence: new Prisma.Decimal(ocr.confidence.toFixed(3)),
+              provider: parsed.provider,
+              extractedAccountRef: parsed.accountRef,
+              extractedAmount:
+                parsed.amount != null ? new Prisma.Decimal(parsed.amount) : null,
+              extractedPeriod: parsed.period,
+              extractedDueDate: parsed.dueDate,
+              extractedCadastralKey: parsed.cadastralKey,
+              matchedPropertyServiceId: match.propertyServiceId,
+              matchedCustomerId: match.customerId,
+              matchNote: notes.join("; ").slice(0, 190),
+            },
+          });
+        } catch (err) {
+          // One unreadable page must not abandon the other 299.
+          await this.prisma.statementDocument.create({
+            data: {
+              batchId,
+              pageNumber,
+              storageKey,
+              status: "OCR_FAILED",
+              matchNote: (err as Error).message.slice(0, 190),
+            },
+          });
+        }
+      }
+    }
+
+    await this.prisma.statementBatch.update({
+      where: { id: batchId },
+      data: { status: "READY_FOR_REVIEW" },
+    });
+  }
+
+  // --- reads ----------------------------------------------------------------
+
+  async listBatches(page: number, pageSize: number) {
+    const [total, items] = await this.prisma.$transaction([
+      this.prisma.statementBatch.count(),
+      this.prisma.statementBatch.findMany({
+        orderBy: { createdAt: "desc" },
+        skip: (page - 1) * pageSize,
+        take: pageSize,
+        include: {
+          uploadedBy: { select: { name: true } },
+          _count: { select: { documents: true } },
+        },
+      }),
+    ]);
+    return { items, total, page, pageSize, pageCount: Math.ceil(total / pageSize) };
+  }
+
+  async getBatch(id: string) {
+    const batch = await this.prisma.statementBatch.findUnique({
+      where: { id },
+      include: { uploadedBy: { select: { name: true } } },
+    });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+
+    const counts = await this.prisma.statementDocument.groupBy({
+      by: ["status"],
+      where: { batchId: id },
+      _count: { _all: true },
+    });
+    const totals = await this.prisma.statementDocument.aggregate({
+      where: { batchId: id, status: { in: OPEN } },
+      _sum: { extractedAmount: true },
+    });
+
+    return {
+      ...batch,
+      byStatus: Object.fromEntries(counts.map((c) => [c.status, c._count._all])),
+      pendingTotal: totals._sum.extractedAmount?.toFixed(2) ?? "0.00",
+    };
+  }
+
+  async listDocuments(batchId: string, status?: StatementDocumentStatus) {
+    return this.prisma.statementDocument.findMany({
+      where: { batchId, ...(status ? { status } : {}) },
+      orderBy: { pageNumber: "asc" },
+      include: {
+        matchedCustomer: { select: { id: true, name: true } },
+        matchedPropertyService: {
+          select: {
+            id: true,
+            kind: true,
+            accountNumber: true,
+            meterNumber: true,
+            property: { select: { id: true, addressLine1: true } },
+          },
+        },
+      },
+    });
+  }
+
+  /** The rendered page image, so a reviewer can read what the parser read. */
+  async pageImage(documentId: string) {
+    const doc = await this.prisma.statementDocument.findUnique({
+      where: { id: documentId },
+      select: { storageKey: true },
+    });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    return this.storage.getStream(doc.storageKey);
+  }
+
+  // --- review ---------------------------------------------------------------
+
+  /** Staff correction of an extracted field or of the match itself. */
+  async review(id: string, dto: ReviewDocumentDto, reviewedById: string) {
+    const doc = await this.prisma.statementDocument.findUnique({ where: { id } });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    if (doc.status === "POSTED") {
+      throw new BadRequestException("Este documento ya fue registrado.");
+    }
+
+    // Changing the service implies its owner; deriving the customer here rather
+    // than trusting a client-supplied pair is what stops a page being posted to
+    // one customer's ledger against another customer's service.
+    let matchedCustomerId = doc.matchedCustomerId;
+    let matchedPropertyServiceId = dto.matchedPropertyServiceId ?? undefined;
+
+    if (dto.matchedPropertyServiceId) {
+      const svc = await this.prisma.propertyService.findUnique({
+        where: { id: dto.matchedPropertyServiceId },
+        select: { property: { select: { customerId: true } } },
+      });
+      if (!svc) throw new BadRequestException("Servicio no encontrado.");
+      matchedCustomerId = svc.property.customerId;
+    } else if (dto.matchedCustomerId) {
+      matchedCustomerId = dto.matchedCustomerId;
+
+      // A reviewer picks a *customer*, not one of their service rows. Without
+      // a service the posting still works, but the confirmed reference has
+      // nowhere to be written back, so the same account would land in review
+      // again next month — which is exactly the behaviour that is supposed to
+      // make gas (whose numbers the migration never populated) a one-time cost.
+      // So: if the batch's service kind resolves to exactly one of that
+      // customer's services that has no reference yet, attach it. Exactly one
+      // — with two candidates there is no way to tell which meter or line the
+      // bill belongs to, and guessing would write a real number onto the wrong
+      // service.
+      const batch = await this.prisma.statementBatch.findUnique({
+        where: { id: doc.batchId },
+        select: { serviceKind: true },
+      });
+      const field = batch && scopedRefField(batch.serviceKind);
+      if (batch && field) {
+        const blank = await this.prisma.propertyService.findMany({
+          where: {
+            kind: batch.serviceKind,
+            [field]: null,
+            property: { customerId: matchedCustomerId },
+          },
+          select: { id: true },
+          take: 2,
+        });
+        if (blank.length === 1) matchedPropertyServiceId = blank[0].id;
+      }
+    }
+
+    return this.prisma.statementDocument.update({
+      where: { id },
+      data: {
+        extractedAccountRef: dto.accountRef ?? undefined,
+        extractedAmount:
+          dto.amount != null ? new Prisma.Decimal(dto.amount) : undefined,
+        extractedPeriod: dto.period ?? undefined,
+        extractedDueDate: dto.dueDate ? new Date(dto.dueDate) : undefined,
+        matchedPropertyServiceId,
+        matchedCustomerId,
+        status: dto.status ?? "MATCHED",
+        reviewedById,
+        reviewedAt: new Date(),
+      },
+    });
+  }
+
+  async reject(id: string, reviewedById: string) {
+    const doc = await this.prisma.statementDocument.findUnique({ where: { id } });
+    if (!doc) throw new NotFoundException("Documento no encontrado.");
+    if (doc.status === "POSTED") {
+      throw new BadRequestException("Este documento ya fue registrado.");
+    }
+    const updated = await this.prisma.statementDocument.update({
+      where: { id },
+      data: { status: "REJECTED", reviewedById, reviewedAt: new Date() },
+    });
+    // Rejecting the last open page settles the batch just as posting it would
+    // — without this, a fully-rejected batch sat in READY_FOR_REVIEW forever
+    // because only confirmBatch() ever closed one.
+    await this.closeIfDone(doc.batchId);
+    return updated;
+  }
+
+  /**
+   * Throw away a whole batch that is pending review: every page that has not
+   * been posted is marked REJECTED and the batch itself becomes DISCARDED.
+   *
+   * Refuses once any page is POSTED — those pages already wrote ledger rows
+   * against a check, and a "discarded" label on the batch would leave those
+   * charges unexplained. Reject the remaining pages individually instead.
+   */
+  async discardBatch(batchId: string, reviewedById: string) {
+    const batch = await this.prisma.statementBatch.findUnique({
+      where: { id: batchId },
+    });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+    if (batch.status === "DISCARDED") {
+      throw new BadRequestException("Este lote ya fue descartado.");
+    }
+
+    const posted = await this.prisma.statementDocument.count({
+      where: { batchId, status: "POSTED" },
+    });
+    if (posted > 0) {
+      throw new BadRequestException(
+        `No se puede descartar: ${posted} página(s) ya se registraron en el estado de cuenta.`,
+      );
+    }
+
+    const { count } = await this.prisma.statementDocument.updateMany({
+      where: { batchId, status: { notIn: ["POSTED", "REJECTED"] } },
+      data: { status: "REJECTED", reviewedById, reviewedAt: new Date() },
+    });
+
+    await this.prisma.statementBatch.update({
+      where: { id: batchId },
+      data: { status: "DISCARDED", completedAt: new Date() },
+    });
+
+    return { batchId, rejected: count };
+  }
+
+  // --- posting --------------------------------------------------------------
+
+  /**
+   * Post every confirmable document in a batch to the ledger.
+   *
+   * This goes through `BillingService.createBatch` — the same method the manual
+   * "Editor" screen uses — rather than writing `Transaction` rows directly, so
+   * OCR-sourced and hand-keyed receipts share one write path, one validation
+   * path and one audit trail. `source: "OCR"` and a per-line `captureRef` of
+   * the document id give the duplicate-post guard something to key on, so a
+   * batch confirmed twice cannot double-charge anyone.
+   */
+  async confirmBatch(batchId: string, dto: ConfirmBatchDto, reviewedById: string) {
+    const batch = await this.prisma.statementBatch.findUnique({
+      where: { id: batchId },
+    });
+    if (!batch) throw new NotFoundException("Lote no encontrado.");
+
+    const docs = await this.prisma.statementDocument.findMany({
+      where: {
+        batchId,
+        status: { in: dto.includeReviewed ? ["MATCHED", "CONFIRMED"] : ["MATCHED"] },
+        matchedCustomerId: { not: null },
+      },
+      orderBy: { pageNumber: "asc" },
+    });
+    if (!docs.length) {
+      throw new BadRequestException("No hay documentos listos para registrar.");
+    }
+
+    const missing = docs.filter((d) => d.extractedAmount == null);
+    if (missing.length) {
+      throw new BadRequestException(
+        `Falta el importe en ${missing.length} documento(s): página(s) ` +
+          missing.map((d) => d.pageNumber).join(", "),
+      );
+    }
+
+    const typeId = dto.typeId ?? (await this.conceptFor(batch.serviceKind));
+
+    const result = await this.billing.createBatch(
+      {
+        domain: "UTILITY",
+        transactionDate: dto.transactionDate,
+        checkNumber: dto.checkNumber,
+        currency: dto.currency ?? "MXN",
+        typeId,
+        lines: docs.map((d) => ({
+          customerId: d.matchedCustomerId!,
+          // Charges are negative in this ledger: a negative amount is what the
+          // customer owes. The parser reads the printed (positive) figure, so
+          // the sign is applied here, at the single point where a statement
+          // becomes a ledger row.
+          amount: -Math.abs(Number(d.extractedAmount)),
+          reference: d.extractedAccountRef ?? undefined,
+          period: d.extractedPeriod ?? undefined,
+          outstanding: dto.outstanding ?? false,
+        })),
+      },
+      { source: "OCR", refs: docs.map((d) => d.id) },
+    );
+
+    // `items[i]` is positionally parallel to `lines[i]` (seam guarantee 1), so
+    // the created rows zip straight back onto the documents that produced them.
+    await this.prisma.$transaction(
+      docs.map((d, i) =>
+        this.prisma.statementDocument.update({
+          where: { id: d.id },
+          data: {
+            status: "POSTED",
+            postedTransactionId: result.items[i].id,
+            reviewedById,
+            reviewedAt: new Date(),
+          },
+        }),
+      ),
+    );
+
+    // Teach the matcher. When a document was matched by clave catastral or by
+    // hand because the scoped field was blank, writing the reference back means
+    // next month's statement for the same account matches on its own — this is
+    // what turns gas (whose numbers the migration never populated) from a
+    // permanent review queue into a one-time cost.
+    await this.learnAccountRefs(docs, batch.serviceKind);
+
+    await this.closeIfDone(batchId);
+
+    return { posted: result.count, total: result.total, checkNumber: dto.checkNumber };
+  }
+
+  /** Write a confirmed reference onto a service that had none. */
+  private async learnAccountRefs(
+    docs: { matchedPropertyServiceId: string | null; extractedAccountRef: string | null }[],
+    kind: ServiceKind,
+  ) {
+    const field = scopedRefField(kind);
+    if (!field) return;
+    for (const d of docs) {
+      if (!d.matchedPropertyServiceId || !d.extractedAccountRef) continue;
+      await this.prisma.propertyService.updateMany({
+        // Only fills a hole — never overwrites a number already on file, which
+        // would let one misread page rewrite good reference data.
+        where: { id: d.matchedPropertyServiceId, [field]: null },
+        data: { [field]: d.extractedAccountRef },
+      });
+    }
+  }
+
+  private async closeIfDone(batchId: string) {
+    const open = await this.prisma.statementDocument.count({
+      where: { batchId, status: { in: OPEN } },
+    });
+    if (open === 0) {
+      await this.prisma.statementBatch.updateMany({
+        // `updateMany` + a status filter so a discarded batch is never quietly
+        // relabelled COMPLETED by a late reject on one of its pages.
+        where: { id: batchId, status: { not: "DISCARDED" } },
+        data: { status: "COMPLETED", completedAt: new Date() },
+      });
+    }
+  }
+
+  private async conceptFor(kind: ServiceKind): Promise<string | undefined> {
+    const name = CONCEPT_BY_KIND[kind];
+    if (!name) return undefined;
+    const row = await this.prisma.typeTransaction.findFirst({
+      where: { nameEn: name },
+      select: { id: true },
+    });
+    return row?.id;
+  }
+}

apps/api/src/storage/storage.module.ts

@@ -0,0 +1,10 @@
+import { Global, Module } from "@nestjs/common";
+import { StorageService } from "./storage.service";
+
+/** Global so any feature module can inject StorageService without re-importing. */
+@Global()
+@Module({
+  providers: [StorageService],
+  exports: [StorageService],
+})
+export class StorageModule {}

apps/api/src/storage/storage.service.ts

@@ -0,0 +1,132 @@
+import {
+  Injectable,
+  Logger,
+  OnModuleInit,
+  ServiceUnavailableException,
+} from "@nestjs/common";
+import { ConfigService } from "@nestjs/config";
+import {
+  CreateBucketCommand,
+  DeleteObjectCommand,
+  GetObjectCommand,
+  HeadBucketCommand,
+  PutObjectCommand,
+  S3Client,
+} from "@aws-sdk/client-s3";
+import type { Readable } from "node:stream";
+
+/**
+ * S3 / MinIO object storage for document blobs. MySQL keeps only the pointer
+ * (`storageKey`) + metadata; the bytes live here. Same bucket the migration's
+ * `blob_extract.py` writes to, so keys stay under the `service/…` and
+ * `policy/…` prefixes it established.
+ *
+ * Env (see deploy/.env.dev): S3_ENDPOINT, S3_BUCKET, and creds — S3_ACCESS_KEY
+ * / S3_SECRET_KEY, falling back to MINIO_ROOT_USER / MINIO_ROOT_PASSWORD so a
+ * single MinIO credential set drives both the migration and the API.
+ */
+@Injectable()
+export class StorageService implements OnModuleInit {
+  private readonly logger = new Logger(StorageService.name);
+  private readonly client: S3Client | null;
+  readonly bucket: string;
+
+  constructor(config: ConfigService) {
+    const endpoint = config.get<string>("S3_ENDPOINT");
+    this.bucket = config.get<string>("S3_BUCKET") ?? "jorgecuadros-documents";
+    const accessKeyId =
+      config.get<string>("S3_ACCESS_KEY") ?? config.get<string>("MINIO_ROOT_USER");
+    const secretAccessKey =
+      config.get<string>("S3_SECRET_KEY") ?? config.get<string>("MINIO_ROOT_PASSWORD");
+
+    if (!endpoint || !accessKeyId || !secretAccessKey) {
+      this.logger.warn(
+        "Object storage not configured (missing S3_ENDPOINT / credentials); " +
+          "document upload & download are disabled.",
+      );
+      this.client = null;
+      return;
+    }
+
+    this.client = new S3Client({
+      endpoint,
+      region: config.get<string>("S3_REGION") ?? "us-east-1",
+      credentials: { accessKeyId, secretAccessKey },
+      forcePathStyle: true, // MinIO needs path-style addressing
+    });
+  }
+
+  /** Best-effort bucket check on boot; never blocks API startup. */
+  async onModuleInit() {
+    if (!this.client) return;
+    try {
+      await this.client.send(new HeadBucketCommand({ Bucket: this.bucket }));
+    } catch {
+      try {
+        await this.client.send(new CreateBucketCommand({ Bucket: this.bucket }));
+        this.logger.log(`Created bucket "${this.bucket}".`);
+      } catch (err) {
+        this.logger.warn(
+          `Could not verify/create bucket "${this.bucket}": ${(err as Error).message}`,
+        );
+      }
+    }
+  }
+
+  /**
+   * Whether the deployment has object storage at all. Callers use this to
+   * refuse work up front instead of failing halfway through — a recibo batch
+   * that dies on its first `put` leaves a FAILED batch and no explanation the
+   * office can act on.
+   */
+  get available(): boolean {
+    return this.client !== null;
+  }
+
+  private require(): S3Client {
+    if (!this.client) {
+      throw new ServiceUnavailableException(
+        "El almacenamiento de documentos no está configurado.",
+      );
+    }
+    return this.client;
+  }
+
+  async put(key: string, body: Buffer, contentType?: string): Promise<void> {
+    await this.require().send(
+      new PutObjectCommand({
+        Bucket: this.bucket,
+        Key: key,
+        Body: body,
+        ContentType: contentType,
+      }),
+    );
+  }
+
+  async getStream(key: string): Promise<{
+    stream: Readable;
+    contentType?: string;
+    contentLength?: number;
+  }> {
+    const out = await this.require().send(
+      new GetObjectCommand({ Bucket: this.bucket, Key: key }),
+    );
+    return {
+      stream: out.Body as Readable,
+      contentType: out.ContentType,
+      contentLength: out.ContentLength,
+    };
+  }
+
+  /** Best-effort blob delete; a missing object is not an error. */
+  async delete(key: string): Promise<void> {
+    if (!this.client) return;
+    try {
+      await this.client.send(
+        new DeleteObjectCommand({ Bucket: this.bucket, Key: key }),
+      );
+    } catch (err) {
+      this.logger.warn(`Failed to delete blob "${key}": ${(err as Error).message}`);
+    }
+  }
+}

apps/api/src/storage/upload-file.ts

@@ -0,0 +1,32 @@
+import { extname } from "node:path";
+
+/** Multer file shape we rely on (subset of Express.Multer.File). */
+export interface UploadedFileLike {
+  buffer: Buffer;
+  originalname?: string;
+  mimetype?: string;
+  size?: number;
+}
+
+const MIME_EXT: Record<string, string> = {
+  "application/pdf": ".pdf",
+  "image/jpeg": ".jpg",
+  "image/png": ".png",
+  "image/gif": ".gif",
+  "image/tiff": ".tif",
+  "image/bmp": ".bmp",
+};
+
+/** File extension for a stored blob, from the original name, else the mimetype. */
+export function extForUpload(file: UploadedFileLike): string {
+  const fromName = file.originalname ? extname(file.originalname).toLowerCase() : "";
+  if (fromName) return fromName;
+  return (file.mimetype && MIME_EXT[file.mimetype]) || "";
+}
+
+/** Download filename for a stored document, from its key + document type. */
+export function downloadName(storageKey: string, documentType: string): string {
+  const ext = extname(storageKey) || "";
+  const base = documentType.replace(/[^\w.-]+/g, "_") || "document";
+  return base.toLowerCase().endsWith(ext.toLowerCase()) ? base : `${base}${ext}`;
+}

apps/api/src/users/users.controller.ts

@@ -1,7 +1,9 @@
 import {
   Body,
   Controller,
+  Delete,
   Get,
+  HttpCode,
   Param,
   Patch,
   Post,
@@ -69,4 +71,12 @@ export class UsersController {
     void this.audit.log(this.actingId(req), "user.reset_password", { userId: id });
     return user;
   }
+
+  @Delete(":id")
+  @HttpCode(204)
+  async remove(@Param("id") id: string, @Req() req: Request) {
+    const actingId = this.actingId(req);
+    await this.users.remove(id, actingId);
+    void this.audit.log(actingId, "user.delete", { userId: id });
+  }
 }

apps/api/src/users/users.service.ts

@@ -18,6 +18,7 @@ const safeSelect = {
   email: true,
   role: true,
   active: true,
+  uiScale: true,
   createdAt: true,
   updatedAt: true,
 } satisfies Prisma.UserSelect;
@@ -101,6 +102,18 @@ export class UsersService {
     }
   }
 
+  /**
+   * Self-service preference write — no ability check, because the only account
+   * it can touch is the caller's own (the controller passes the session id).
+   */
+  updatePreferences(id: string, uiScale: number): Promise<SafeUserRow> {
+    return this.prisma.user.update({
+      where: { id },
+      data: { uiScale },
+      select: safeSelect,
+    });
+  }
+
   async resetPassword(id: string, password: string): Promise<SafeUserRow> {
     await this.ensureExists(id);
     const passwordHash = await argon2.hash(password);
@@ -111,6 +124,30 @@ export class UsersService {
     });
   }
 
+  /**
+   * Hard-delete a user. The schema's ActivityLog.userId FK would otherwise
+   * block the row (default `Restrict`), so null it out in the same
+   * transaction. Rows + the actor id captured in the `message` JSON stay
+   * intact for the audit trail.
+   */
+  async remove(id: string, actingUserId: string): Promise<void> {
+    if (id === actingUserId) {
+      throw new BadRequestException("No puede eliminar su propia cuenta");
+    }
+    await this.ensureExists(id);
+    try {
+      await this.prisma.$transaction([
+        this.prisma.activityLog.updateMany({
+          where: { userId: id },
+          data: { userId: null },
+        }),
+        this.prisma.user.delete({ where: { id } }),
+      ]);
+    } catch (e) {
+      throw this.mapError(e);
+    }
+  }
+
   private async ensureExists(id: string): Promise<void> {
     const found = await this.prisma.user.findUnique({ where: { id }, select: { id: true } });
     if (!found) throw new NotFoundException(`Usuario ${id} no encontrado`);

apps/api/tsconfig.build.json

@@ -0,0 +1,4 @@
+{
+  "extends": "./tsconfig.json",
+  "exclude": ["node_modules", "dist", "**/*.spec.ts"]
+}

apps/web/package.json

@@ -1,9 +1,9 @@
 {
   "name": "@jorgecuadros/web",
-  "version": "0.1.0",
+  "version": "1.0.8",
   "private": true,
   "scripts": {
-    "dev": "next dev",
+    "dev": "next dev -p 4500",
     "build": "next build",
     "start": "next start",
     "lint": "next lint"

apps/web/src/app/banco/cuentas/page.tsx

@@ -0,0 +1,525 @@
+"use client";
+
+import Link from "next/link";
+import { useEffect, useState } from "react";
+import { AppShell } from "@/components/AppShell";
+import { useCan } from "@/lib/abilities";
+import {
+  createBankAccount,
+  createBankInstitution,
+  listBankAccounts,
+  listBankInstitutions,
+  updateBankAccount,
+  updateBankInstitution,
+} from "@/lib/api";
+import { domainLabel } from "@/lib/labels";
+import type {
+  BankAccount,
+  BankInstitution,
+  Currency,
+  TransactionDomain,
+} from "@/lib/types";
+
+/**
+ * Chequera accounts admin — docs/RECEIPT_CAPTURE_SPEC.md §3.
+ *
+ * Two levels: the bank (institution) and the accounts held at it. Opening an
+ * account is rare and consequential — its currency is what every movement
+ * booked into it is denominated in, and it can't be changed afterwards without
+ * silently re-denominating history, so the edit form deliberately has no
+ * currency field.
+ *
+ * Accounts are never deleted: `bank_transactions.bankAccountId` is a required
+ * FK, so a used account can't be removed without destroying its register.
+ * Closing one (`active: false`) hides it from new captures while leaving the
+ * history readable, matching this app's never-hard-delete convention.
+ */
+const CURRENCIES: Currency[] = ["MXN", "USD"];
+const BUSINESS_LINES: TransactionDomain[] = ["UTILITY", "INSURANCE", "TRUST"];
+
+export default function CuentasChequeraPage() {
+  return (
+    <AppShell>
+      <Cuentas />
+    </AppShell>
+  );
+}
+
+function Cuentas() {
+  const canEdit = useCan("bank:manage-accounts");
+  const [banks, setBanks] = useState<BankInstitution[] | null>(null);
+  const [accounts, setAccounts] = useState<BankAccount[] | null>(null);
+  const [error, setError] = useState<string | null>(null);
+
+  function reload() {
+    Promise.all([listBankInstitutions(), listBankAccounts()])
+      .then(([b, a]) => {
+        setBanks(b);
+        setAccounts(a);
+      })
+      .catch((e) => setError(e?.message ?? "No se pudieron cargar las cuentas."));
+  }
+  useEffect(reload, []);
+
+  if (!canEdit) {
+    return (
+      <>
+        <div className="page-head">
+          <h1 className="page-title">Cuentas de chequera</h1>
+        </div>
+        <div className="state-box state-error">
+          No tiene permisos para administrar cuentas bancarias.
+        </div>
+      </>
+    );
+  }
+
+  return (
+    <>
+      <div className="page-head">
+        <p className="eyebrow">
+          <Link href="/banco">Chequera</Link>
+        </p>
+        <h1 className="page-title">Cuentas de chequera</h1>
+        <p className="section-note">
+          Cada cuenta es una chequera física y se lleva por separado. La moneda
+          se fija al darla de alta porque todos sus movimientos quedan
+          registrados en ella; para cambiarla hay que abrir otra cuenta. Las
+          cuentas no se eliminan: se cierran, y su historial sigue consultable.
+        </p>
+      </div>
+
+      {error && <div className="state-box state-error">{error}</div>}
+
+      {!banks || !accounts ? (
+        <div className="empty-inline">
+          <span className="spinner" aria-label="Cargando" />
+        </div>
+      ) : (
+        <>
+          <BanksSection banks={banks} onChanged={reload} />
+          <AccountsSection
+            banks={banks}
+            accounts={accounts}
+            onChanged={reload}
+          />
+        </>
+      )}
+    </>
+  );
+}
+
+/* ------------------------------------------------------------------ banks */
+
+function BanksSection({
+  banks,
+  onChanged,
+}: {
+  banks: BankInstitution[];
+  onChanged: () => void;
+}) {
+  const [adding, setAdding] = useState(false);
+  const [editingId, setEditingId] = useState<string | null>(null);
+  const [name, setName] = useState("");
+  const [country, setCountry] = useState("");
+  const [busy, setBusy] = useState(false);
+
+  function startAdd() {
+    setEditingId(null);
+    setAdding(true);
+    setName("");
+    setCountry("");
+  }
+  function startEdit(b: BankInstitution) {
+    setAdding(false);
+    setEditingId(b.id);
+    setName(b.name);
+    setCountry(b.country ?? "");
+  }
+  function cancel() {
+    setAdding(false);
+    setEditingId(null);
+  }
+
+  async function submit() {
+    if (!name.trim()) {
+      window.alert("El nombre del banco es obligatorio.");
+      return;
+    }
+    setBusy(true);
+    try {
+      const payload = { name: name.trim(), country: country.trim() };
+      if (editingId) await updateBankInstitution(editingId, payload);
+      else await createBankInstitution(payload);
+      cancel();
+      onChanged();
+    } catch (e) {
+      window.alert((e as Error)?.message ?? "No se pudo guardar el banco.");
+    } finally {
+      setBusy(false);
+    }
+  }
+
+  const editor = (
+    <div className="child-editor">
+      <div className="form-grid">
+        <label className="field">
+          <span className="field-label">
+            Banco <span aria-hidden>*</span>
+          </span>
+          <input
+            className="input"
+            value={name}
+            onChange={(e) => setName(e.target.value)}
+            placeholder="Ej. Scotiabank"
+          />
+        </label>
+        <label className="field">
+          <span className="field-label">País</span>
+          <input
+            className="input"
+            value={country}
+            onChange={(e) => setCountry(e.target.value)}
+            placeholder="MX / US"
+          />
+        </label>
+      </div>
+      <div className="form-actions">
+        <button
+          type="button"
+          className="btn btn-primary"
+          onClick={submit}
+          disabled={busy}
+        >
+          {busy ? "Guardando…" : editingId ? "Guardar" : "Agregar"}
+        </button>
+        <button type="button" className="btn btn-ghost" onClick={cancel}>
+          Cancelar
+        </button>
+      </div>
+    </div>
+  );
+
+  return (
+    <div className="card" style={{ padding: 16, marginBottom: 14 }}>
+      <div className="child-head">
+        <h3 className="section-title" style={{ margin: 0 }}>
+          Bancos
+          <span className="section-count"> {banks.length}</span>
+        </h3>
+        {!adding && editingId === null && (
+          <button type="button" className="btn btn-outline" onClick={startAdd}>
+            + Agregar
+          </button>
+        )}
+      </div>
+
+      {banks.length === 0 && !adding ? (
+        <div className="empty-inline">Sin bancos registrados.</div>
+      ) : (
+        <div className="tx-scroll">
+          <table className="tx-table">
+            <thead>
+              <tr>
+                <th>Banco</th>
+                <th>País</th>
+                <th className="num">Acciones</th>
+              </tr>
+            </thead>
+            <tbody>
+              {adding && (
+                <tr>
+                  <td colSpan={3}>{editor}</td>
+                </tr>
+              )}
+              {banks.map((b) =>
+                editingId === b.id ? (
+                  <tr key={b.id}>
+                    <td colSpan={3}>{editor}</td>
+                  </tr>
+                ) : (
+                  <tr key={b.id}>
+                    <td>{b.name}</td>
+                    <td>{b.country || "—"}</td>
+                    <td>
+                      <div className="row-actions">
+                        <button
+                          type="button"
+                          className="btn btn-ghost"
+                          onClick={() => startEdit(b)}
+                        >
+                          Editar
+                        </button>
+                      </div>
+                    </td>
+                  </tr>
+                ),
+              )}
+            </tbody>
+          </table>
+        </div>
+      )}
+    </div>
+  );
+}
+
+/* --------------------------------------------------------------- accounts */
+
+function AccountsSection({
+  banks,
+  accounts,
+  onChanged,
+}: {
+  banks: BankInstitution[];
+  accounts: BankAccount[];
+  onChanged: () => void;
+}) {
+  const [adding, setAdding] = useState(false);
+  const [editingId, setEditingId] = useState<string | null>(null);
+  const [bankId, setBankId] = useState("");
+  const [label, setLabel] = useState("");
+  const [currency, setCurrency] = useState<Currency>("MXN");
+  const [businessLine, setBusinessLine] = useState<string>("");
+  const [active, setActive] = useState(true);
+  const [busy, setBusy] = useState(false);
+
+  function startAdd() {
+    setEditingId(null);
+    setAdding(true);
+    setBankId(banks[0]?.id ?? "");
+    setLabel("");
+    setCurrency("MXN");
+    setBusinessLine("");
+    setActive(true);
+  }
+  function startEdit(a: BankAccount) {
+    setAdding(false);
+    setEditingId(a.id);
+    setBankId(a.bankId);
+    setLabel(a.label);
+    setCurrency(a.currency);
+    setBusinessLine(a.businessLine ?? "");
+    setActive(a.active);
+  }
+  function cancel() {
+    setAdding(false);
+    setEditingId(null);
+  }
+
+  async function submit() {
+    if (!bankId) {
+      window.alert("Selecciona el banco de la cuenta.");
+      return;
+    }
+    if (!label.trim()) {
+      window.alert("El nombre de la cuenta es obligatorio.");
+      return;
+    }
+    setBusy(true);
+    try {
+      const line = businessLine
+        ? (businessLine as TransactionDomain)
+        : undefined;
+      if (editingId) {
+        // No `currency`: see the file header.
+        await updateBankAccount(editingId, {
+          bankId,
+          label: label.trim(),
+          businessLine: line,
+          active,
+        });
+      } else {
+        await createBankAccount({
+          bankId,
+          label: label.trim(),
+          currency,
+          businessLine: line,
+          active,
+        });
+      }
+      cancel();
+      onChanged();
+    } catch (e) {
+      window.alert((e as Error)?.message ?? "No se pudo guardar la cuenta.");
+    } finally {
+      setBusy(false);
+    }
+  }
+
+  const editor = (
+    <div className="child-editor">
+      <div className="form-grid">
+        <label className="field">
+          <span className="field-label">
+            Banco <span aria-hidden>*</span>
+          </span>
+          <select
+            className="select"
+            value={bankId}
+            onChange={(e) => setBankId(e.target.value)}
+          >
+            <option value="">—</option>
+            {banks.map((b) => (
+              <option key={b.id} value={b.id}>
+                {b.name}
+              </option>
+            ))}
+          </select>
+        </label>
+        <label className="field">
+          <span className="field-label">
+            Nombre de la cuenta <span aria-hidden>*</span>
+          </span>
+          <input
+            className="input"
+            value={label}
+            onChange={(e) => setLabel(e.target.value)}
+            placeholder="Ej. Seguros — Bank of America (USD)"
+          />
+        </label>
+        <label className="field">
+          <span className="field-label">
+            Moneda <span aria-hidden>*</span>
+          </span>
+          <select
+            className="select"
+            value={currency}
+            disabled={editingId !== null}
+            onChange={(e) => setCurrency(e.target.value as Currency)}
+          >
+            {CURRENCIES.map((c) => (
+              <option key={c} value={c}>
+                {c}
+              </option>
+            ))}
+          </select>
+          {editingId !== null && (
+            <span className="section-note">
+              No se puede cambiar: los movimientos ya registrados están en esta
+              moneda.
+            </span>
+          )}
+        </label>
+        <label className="field">
+          <span className="field-label">Línea de negocio</span>
+          <select
+            className="select"
+            value={businessLine}
+            onChange={(e) => setBusinessLine(e.target.value)}
+          >
+            <option value="">Sin asignar</option>
+            {BUSINESS_LINES.map((d) => (
+              <option key={d} value={d}>
+                {domainLabel(d)}
+              </option>
+            ))}
+          </select>
+          <span className="section-note">
+            Referencia nada más: una chequera puede pagar de varias líneas.
+          </span>
+        </label>
+        <label
+          className="field"
+          style={{ flexDirection: "row", alignItems: "center", gap: 8 }}
+        >
+          <input
+            type="checkbox"
+            checked={active}
+            onChange={(e) => setActive(e.target.checked)}
+          />
+          <span className="field-label" style={{ margin: 0 }}>
+            Cuenta abierta
+          </span>
+        </label>
+      </div>
+      <div className="form-actions">
+        <button
+          type="button"
+          className="btn btn-primary"
+          onClick={submit}
+          disabled={busy}
+        >
+          {busy ? "Guardando…" : editingId ? "Guardar" : "Agregar"}
+        </button>
+        <button type="button" className="btn btn-ghost" onClick={cancel}>
+          Cancelar
+        </button>
+      </div>
+    </div>
+  );
+
+  return (
+    <div className="card" style={{ padding: 16, marginBottom: 14 }}>
+      <div className="child-head">
+        <h3 className="section-title" style={{ margin: 0 }}>
+          Cuentas
+          <span className="section-count"> {accounts.length}</span>
+        </h3>
+        {!adding && editingId === null && banks.length > 0 && (
+          <button type="button" className="btn btn-outline" onClick={startAdd}>
+            + Agregar
+          </button>
+        )}
+      </div>
+
+      {banks.length === 0 ? (
+        <div className="empty-inline">
+          Registra primero el banco donde está la cuenta.
+        </div>
+      ) : accounts.length === 0 && !adding ? (
+        <div className="empty-inline">Sin cuentas registradas.</div>
+      ) : (
+        <div className="tx-scroll">
+          <table className="tx-table">
+            <thead>
+              <tr>
+                <th>Cuenta</th>
+                <th>Banco</th>
+                <th>Moneda</th>
+                <th>Línea</th>
+                <th>Estatus</th>
+                <th className="num">Acciones</th>
+              </tr>
+            </thead>
+            <tbody>
+              {adding && (
+                <tr>
+                  <td colSpan={6}>{editor}</td>
+                </tr>
+              )}
+              {accounts.map((a) =>
+                editingId === a.id ? (
+                  <tr key={a.id}>
+                    <td colSpan={6}>{editor}</td>
+                  </tr>
+                ) : (
+                  <tr key={a.id}>
+                    <td>{a.label}</td>
+                    <td>{a.bankName}</td>
+                    <td className="mono">{a.currency}</td>
+                    <td>{a.businessLine ? domainLabel(a.businessLine) : "—"}</td>
+                    <td>{a.active ? "Abierta" : "Cerrada"}</td>
+                    <td>
+                      <div className="row-actions">
+                        <button
+                          type="button"
+                          className="btn btn-ghost"
+                          onClick={() => startEdit(a)}
+                        >
+                          Editar
+                        </button>
+                        <Link href="/banco" className="btn btn-ghost">
+                          Ver movimientos
+                        </Link>
+                      </div>
+                    </td>
+                  </tr>
+                ),
+              )}
+            </tbody>
+          </table>
+        </div>
+      )}
+    </div>
+  );
+}

apps/web/src/app/banco/page.tsx

@@ -1,12 +1,15 @@
 "use client";
 
+import Link from "next/link";
 import { useCallback, useEffect, useRef, useState } from "react";
 import { AppShell } from "@/components/AppShell";
+import { ContextReports } from "@/components/ContextReports";
 import {
   createBankMovement,
   getBankFacets,
   getBankStats,
   getBankSummary,
+  listBankAccounts,
   listBankMovements,
   voidBankMovement,
 } from "@/lib/api";
@@ -21,6 +24,7 @@ import {
   monthName,
 } from "@/lib/labels";
 import type {
+  BankAccount,
   BankCleared,
   BankDirection,
   BankFacets,
@@ -31,23 +35,28 @@ import type {
   BankSummary,
   BankTotals,
   CreateBankMovementInput,
+  Currency,
 } from "@/lib/types";
 
 /**
- * Bank register (chequera) browser — plan step 7.
+ * Bank register (chequera) browser — plan step 7, multi-account since the
+ * step-11 multi-bank work.
  *
- * This is the office's OWN checking account, not customer money. It is a
+ * This is the office's OWN checking accounts, not customer money. It is a
  * separate page from /estado-cuenta on purpose: nothing here belongs in a
  * customer's statement and the two sets of figures are never combined.
  *
- * Two views:
+ * Two views, both scoped to the ONE account picked at the top:
  *   - "Movimientos": the register itself — every deposit and payment, by date,
  *     payee, cheque number or amount.
  *   - "Resumen": ingresos vs egresos per year, and per month inside a year,
- *     with the running net movement since the register opened in 2013.
+ *     with the running net movement since the register opened.
  *
- * Single currency (MXN) — the source has no currency column. See the module
- * header in `bank.service.ts` for why there is no category/ramo filter.
+ * Every amount is read in the selected account's currency. There is no "all
+ * accounts" option on purpose — Utilities banks in MXN and Seguros in USD, so
+ * one combined figure would be a number that never existed, exactly what
+ * /estado-cuenta's per-currency rule avoids. See the module header in
+ * `bank.service.ts` for why there is no category/ramo filter.
  */
 type View = "movimientos" | "resumen";
 
@@ -80,9 +89,18 @@ export default function BancoPage() {
   );
 }
 
+/** Remembers the last chequera a person looked at, per browser. */
+const ACCOUNT_KEY = "banco.bankAccountId";
+
 function BankBrowser() {
   const canCapture = useCan("bank:create");
   const canVoid = useCan("bank:void");
+  const canManageAccounts = useCan("bank:manage-accounts");
+
+  const [accounts, setAccounts] = useState<BankAccount[] | null>(null);
+  const [accountId, setAccountId] = useState<string | null>(null);
+  const [accountsError, setAccountsError] = useState<string | null>(null);
+
   const [stats, setStats] = useState<BankStats | null>(null);
   const [facets, setFacets] = useState<BankFacets | null>(null);
   const [view, setView] = useState<View>("movimientos");
@@ -103,16 +121,66 @@ function BankBrowser() {
 
   const debounceRef = useRef<ReturnType<typeof setTimeout>>();
 
+  const account = accounts?.find((a) => a.id === accountId) ?? null;
+  const currency = account?.currency ?? "MXN";
+
+  // Accounts load first: nothing else on this page can be requested until one
+  // is selected, because every read is scoped to exactly one chequera.
   useEffect(() => {
-    getBankStats().then(setStats).catch(() => setStats(null));
-    getBankFacets().then(setFacets).catch(() => setFacets(null));
+    listBankAccounts()
+      .then((rows) => {
+        setAccounts(rows);
+        const remembered =
+          typeof window !== "undefined"
+            ? window.localStorage.getItem(ACCOUNT_KEY)
+            : null;
+        const pick =
+          rows.find((a) => a.id === remembered) ??
+          rows.find((a) => a.active) ??
+          rows[0];
+        setAccountId(pick?.id ?? null);
+        if (rows.length === 0) setLoading(false);
+      })
+      .catch((e) => {
+        setAccountsError(e?.message ?? "No se pudieron cargar las cuentas.");
+        setLoading(false);
+      });
   }, []);
 
+  function pickAccount(id: string) {
+    setAccountId(id);
+    if (typeof window !== "undefined")
+      window.localStorage.setItem(ACCOUNT_KEY, id);
+    // The previous account's figures must not linger while the new ones load.
+    setStats(null);
+    setFacets(null);
+    setMovements(null);
+    setSummary(null);
+    setSummaryYear(null);
+  }
+
+  const refreshStats = useCallback(() => {
+    if (!accountId) return;
+    getBankStats(accountId)
+      .then(setStats)
+      .catch(() => setStats(null));
+  }, [accountId]);
+
+  useEffect(() => {
+    if (!accountId) return;
+    refreshStats();
+    getBankFacets(accountId)
+      .then(setFacets)
+      .catch(() => setFacets(null));
+  }, [accountId, refreshStats]);
+
   const runSearch = useCallback(
     (p: number) => {
+      if (!accountId) return;
       setLoading(true);
       setError(null);
       listBankMovements({
+        bankAccountId: accountId,
         query: query || undefined,
         direction: direction || undefined,
         cleared: cleared || undefined,
@@ -131,23 +199,23 @@ function BankBrowser() {
           setLoading(false);
         });
     },
-    [query, direction, cleared, from, to, sort],
+    [accountId, query, direction, cleared, from, to, sort],
   );
 
   useEffect(() => {
-    if (view !== "movimientos") return;
+    if (view !== "movimientos" || !accountId) return;
     if (debounceRef.current) clearTimeout(debounceRef.current);
     debounceRef.current = setTimeout(() => runSearch(1), 280);
     return () => {
       if (debounceRef.current) clearTimeout(debounceRef.current);
     };
-  }, [runSearch, view]);
+  }, [runSearch, view, accountId]);
 
   useEffect(() => {
-    if (view !== "resumen") return;
+    if (view !== "resumen" || !accountId) return;
     setLoading(true);
     setError(null);
-    getBankSummary(summaryYear ?? undefined)
+    getBankSummary(accountId, summaryYear ?? undefined)
       .then((res) => {
         setSummary(res);
         setLoading(false);
@@ -156,7 +224,7 @@ function BankBrowser() {
         setError(e?.message ?? "No se pudo cargar el resumen.");
         setLoading(false);
       });
-  }, [view, summaryYear]);
+  }, [view, summaryYear, accountId]);
 
   function goToPage(p: number) {
     runSearch(p);
@@ -193,21 +261,79 @@ function BankBrowser() {
     setSort("date_desc");
   }
 
+  if (accountsError) {
+    return (
+      <>
+        <div className="page-head">
+          <h1 className="page-title">Chequera</h1>
+        </div>
+        <div className="state-error" role="alert">
+          {accountsError}
+        </div>
+      </>
+    );
+  }
+
+  // No chequera on file: the register has nothing it could be scoped to.
+  if (accounts && accounts.length === 0) {
+    return (
+      <>
+        <div className="page-head">
+          <p className="eyebrow">Cuentas propias de la oficina</p>
+          <h1 className="page-title">Chequera</h1>
+        </div>
+        <div className="state-box">
+          <div className="state-glyph" aria-hidden>
+            ⌗
+          </div>
+          <h3>Sin cuentas registradas</h3>
+          <p>
+            {canManageAccounts ? (
+              <>
+                Registra una cuenta bancaria en{" "}
+                <Link href="/banco/cuentas">Cuentas de chequera</Link> para
+                empezar a capturar movimientos.
+              </>
+            ) : (
+              "Pide a un administrador que registre una cuenta bancaria."
+            )}
+          </p>
+        </div>
+      </>
+    );
+  }
+
   return (
     <>
       <div className="page-head rise">
         <p className="eyebrow">Cuenta propia de la oficina</p>
         <h1 className="page-title">Chequera</h1>
+        <AccountPicker
+          accounts={accounts}
+          accountId={accountId}
+          onPick={pickAccount}
+          canManageAccounts={canManageAccounts}
+        />
         <BankStatStrip
           stats={stats}
+          currency={currency}
           direction={view === "movimientos" ? direction : ""}
           onPickDirection={pickDirection}
         />
         <p className="section-note">
-          Movimientos de la cuenta bancaria de la oficina, en pesos. No forma
-          parte del estado de cuenta de los clientes y sus cifras no se suman
-          con las de ellos.
+          Movimientos de{" "}
+          <strong>{account ? account.label : "la cuenta seleccionada"}</strong>,
+          en {currency}. Cada cuenta se lee por separado: las cifras de dos
+          chequeras nunca se suman, igual que los saldos por moneda del estado
+          de cuenta. Tampoco forman parte del estado de cuenta de los clientes.
         </p>
+        <div style={{ marginTop: 8 }}>
+          <ContextReports
+            entries={[
+              { slug: "reporte-de-efectivo", label: "Reporte de efectivo" },
+            ]}
+          />
+        </div>
       </div>
 
       <div className="toolbar">
@@ -244,7 +370,7 @@ function BankBrowser() {
             </button>
           ))}
         </div>
-        {view === "movimientos" && canCapture && (
+        {view === "movimientos" && canCapture && account?.active && (
           <button
             type="button"
             className="btn btn-primary"
@@ -255,12 +381,20 @@ function BankBrowser() {
         )}
       </div>
 
-      {view === "movimientos" && captureOpen && (
+      {account && !account.active && (
+        <div className="section-note">
+          Esta cuenta está cerrada: su historial se consulta, pero no admite
+          movimientos nuevos.
+        </div>
+      )}
+
+      {view === "movimientos" && captureOpen && account && (
         <BankCaptureForm
+          account={account}
           onSaved={() => {
             setCaptureOpen(false);
             runSearch(movements?.page ?? 1);
-            getBankStats().then(setStats).catch(() => setStats(null));
+            refreshStats();
           }}
           onCancel={() => setCaptureOpen(false)}
         />
@@ -381,7 +515,7 @@ function BankBrowser() {
       )}
 
       {view === "movimientos" && movements && !loading && (
-        <FilteredTotals totals={movements.totals} />
+        <FilteredTotals totals={movements.totals} currency={currency} />
       )}
 
       {error ? (
@@ -394,6 +528,7 @@ function BankBrowser() {
         <SummaryView
           summary={summary}
           year={summaryYear}
+          currency={currency}
           onPickYear={pickYear}
         />
       ) : movements && movements.total === 0 ? (
@@ -422,12 +557,11 @@ function BankBrowser() {
                     <BankRow
                       key={m.id}
                       m={m}
+                      currency={currency}
                       canVoid={canVoid}
                       onVoided={() => {
                         runSearch(movements?.page ?? 1);
-                        getBankStats()
-                          .then(setStats)
-                          .catch(() => setStats(null));
+                        refreshStats();
                       }}
                     />
                   ))}
@@ -448,13 +582,66 @@ function BankBrowser() {
   );
 }
 
+/**
+ * Which chequera the whole page is reading. There is no "todas las cuentas"
+ * option and there must not be one — see the file header.
+ */
+function AccountPicker({
+  accounts,
+  accountId,
+  onPick,
+  canManageAccounts,
+}: {
+  accounts: BankAccount[] | null;
+  accountId: string | null;
+  onPick: (id: string) => void;
+  canManageAccounts: boolean;
+}) {
+  if (!accounts) {
+    return (
+      <div className="skeleton" style={{ height: 34, width: 260, marginTop: 12 }} />
+    );
+  }
+
+  return (
+    <div
+      className="filter-row"
+      style={{ marginTop: 12, alignItems: "flex-end" }}
+    >
+      <label className="filter-field">
+        <span className="filter-label">Cuenta</span>
+        <select
+          className="input select"
+          value={accountId ?? ""}
+          onChange={(e) => onPick(e.target.value)}
+          aria-label="Cuenta de chequera"
+        >
+          {accounts.map((a) => (
+            <option key={a.id} value={a.id}>
+              {a.label} · {a.currency}
+              {a.active ? "" : " (cerrada)"}
+            </option>
+          ))}
+        </select>
+      </label>
+      {canManageAccounts && (
+        <Link href="/banco/cuentas" className="btn btn-ghost">
+          Administrar cuentas
+        </Link>
+      )}
+    </div>
+  );
+}
+
 /** Headline figures; the ingreso/egreso cells double as register shortcuts. */
 function BankStatStrip({
   stats,
+  currency,
   direction,
   onPickDirection,
 }: {
   stats: BankStats | null;
+  currency: Currency;
   direction: BankDirection | "";
   onPickDirection: (d: BankDirection) => void;
 }) {
@@ -485,7 +672,7 @@ function BankStatStrip({
         aria-pressed={direction === "income"}
       >
         <div className="stat-value tx-amount pos">
-          {formatMoney(stats.income, "MXN")}
+          {formatMoney(stats.income, currency)}
         </div>
         <div className="stat-label">
           En ingresos · {formatNumber(stats.incomeCount)} movimientos
@@ -500,14 +687,14 @@ function BankStatStrip({
         aria-pressed={direction === "expense"}
       >
         <div className="stat-value tx-amount neg">
-          {formatMoney(stats.expense, "MXN")}
+          {formatMoney(stats.expense, currency)}
         </div>
         <div className="stat-label">
           En egresos · {formatNumber(stats.expenseCount)} movimientos
         </div>
       </button>
       <div className="stat-cell">
-        <div className="stat-value">{formatMoney(stats.net, "MXN")}</div>
+        <div className="stat-value">{formatMoney(stats.net, currency)}</div>
         {/* Not the bank balance: the register carries no opening balance. */}
         <div className="stat-label">Movimiento neto acumulado</div>
       </div>
@@ -536,27 +723,33 @@ function BankStatStrip({
 }
 
 /** Totals for everything the current filter matched, not just the page. */
-function FilteredTotals({ totals }: { totals: BankTotals }) {
+function FilteredTotals({
+  totals,
+  currency,
+}: {
+  totals: BankTotals;
+  currency: Currency;
+}) {
   if (totals.incomeCount + totals.expenseCount + totals.voidCount === 0)
     return null;
   return (
     <div className="filtered-totals">
       <div className="filtered-total">
-        <span className="filtered-total-cur">MXN</span>
+        <span className="filtered-total-cur">{currency}</span>
         <span>
           <strong className="tx-amount pos">
-            {formatMoney(totals.income, "MXN")}
+            {formatMoney(totals.income, currency)}
           </strong>{" "}
           en ingresos · {formatNumber(totals.incomeCount)}
         </span>
         <span>
           <strong className="tx-amount neg">
-            {formatMoney(totals.expense, "MXN")}
+            {formatMoney(totals.expense, currency)}
           </strong>{" "}
           en egresos · {formatNumber(totals.expenseCount)}
         </span>
         <span className="filtered-total-net">
-          Neto <strong>{formatMoney(totals.net, "MXN")}</strong>
+          Neto <strong>{formatMoney(totals.net, currency)}</strong>
         </span>
         {totals.voidCount > 0 && (
           <span>{formatNumber(totals.voidCount)} cancelados</span>
@@ -568,10 +761,12 @@ function FilteredTotals({ totals }: { totals: BankTotals }) {
 
 function BankRow({
   m,
+  currency,
   canVoid,
   onVoided,
 }: {
   m: BankListItem;
+  currency: Currency;
   canVoid: boolean;
   onVoided: () => void;
 }) {
@@ -612,7 +807,7 @@ function BankRow({
       <td>{bankSourceLabel(m.source)}</td>
       <td className="num">
         <span className={`tx-amount ${bankTone(m.direction)}`}>
-          {m.direction === "void" ? "—" : formatMoney(m.amount, "MXN")}
+          {m.direction === "void" ? "—" : formatMoney(m.amount, currency)}
         </span>
         <div className="tx-cur">{bankDirectionLabel(m.direction)}</div>
       </td>
@@ -642,10 +837,12 @@ function BankRow({
 function SummaryView({
   summary,
   year,
+  currency,
   onPickYear,
 }: {
   summary: BankSummary | null;
   year: number | null;
+  currency: Currency;
   onPickYear: (y: number) => void;
 }) {
   if (!summary) return null;
@@ -679,12 +876,12 @@ function SummaryView({
                   <td className="num">{formatNumber(r.count)}</td>
                   <td className="num">
                     <span className="tx-amount pos">
-                      {formatMoney(r.income, "MXN")}
+                      {formatMoney(r.income, currency)}
                     </span>
                   </td>
                   <td className="num">
                     <span className="tx-amount neg">
-                      {formatMoney(r.expense, "MXN")}
+                      {formatMoney(r.expense, currency)}
                     </span>
                   </td>
                   <td className="num">
@@ -693,10 +890,10 @@ function SummaryView({
                         Number(r.net) < 0 ? "neg" : "pos"
                       }`}
                     >
-                      {formatMoney(r.net, "MXN")}
+                      {formatMoney(r.net, currency)}
                     </span>
                   </td>
-                  <td className="num mono">{formatMoney(r.cumulative, "MXN")}</td>
+                  <td className="num mono">{formatMoney(r.cumulative, currency)}</td>
                 </tr>
               ))}
             </tbody>
@@ -716,7 +913,7 @@ function SummaryView({
             <span className="section-rule cuenta" />
             <h2 className="section-title">Meses de {year}</h2>
             <span className="section-count">
-              abre en {formatMoney(summary.opening, "MXN")}
+              abre en {formatMoney(summary.opening, currency)}
             </span>
           </div>
           <div className="card">
@@ -739,12 +936,12 @@ function SummaryView({
                       <td className="num">{formatNumber(r.count)}</td>
                       <td className="num">
                         <span className="tx-amount pos">
-                          {formatMoney(r.income, "MXN")}
+                          {formatMoney(r.income, currency)}
                         </span>
                       </td>
                       <td className="num">
                         <span className="tx-amount neg">
-                          {formatMoney(r.expense, "MXN")}
+                          {formatMoney(r.expense, currency)}
                         </span>
                       </td>
                       <td className="num">
@@ -753,11 +950,11 @@ function SummaryView({
                             Number(r.net) < 0 ? "neg" : "pos"
                           }`}
                         >
-                          {formatMoney(r.net, "MXN")}
+                          {formatMoney(r.net, currency)}
                         </span>
                       </td>
                       <td className="num mono">
-                        {formatMoney(r.cumulative, "MXN")}
+                        {formatMoney(r.cumulative, currency)}
                       </td>
                     </tr>
                   ))}
@@ -771,13 +968,16 @@ function SummaryView({
   );
 }
 
-/** Inline capture form for a single chequera movement. Single currency (MXN);
- *  sign convention: positive = ingreso, negative = egreso. Booked rows are
- *  never edited — fix mistakes with voidBankMovement + a fresh capture. */
+/** Inline capture form for a single chequera movement. The amount is in the
+ *  selected account's currency; sign convention: positive = ingreso, negative
+ *  = egreso. Booked rows are never edited — fix mistakes with voidBankMovement
+ *  + a fresh capture. */
 function BankCaptureForm({
+  account,
   onSaved,
   onCancel,
 }: {
+  account: BankAccount;
   onSaved: () => void;
   onCancel: () => void;
 }) {
@@ -810,6 +1010,7 @@ function BankCaptureForm({
     }
     const signed = direction === "income" ? Math.abs(abs) : -Math.abs(abs);
     const payload: CreateBankMovementInput = {
+      bankAccountId: account.id,
       amount: signed,
       transactionDate,
       concept: s(concept),
@@ -835,9 +1036,12 @@ function BankCaptureForm({
     <form onSubmit={submit}>
       {error && <div className="state-box state-error">{error}</div>}
       <div className="card" style={{ padding: 20, marginBottom: 16 }}>
-        <h2 className="section-title" style={{ marginBottom: 14 }}>
+        <h2 className="section-title" style={{ marginBottom: 4 }}>
           Capturar movimiento de chequera
         </h2>
+        <p className="section-note" style={{ marginBottom: 14 }}>
+          Se registra en <strong>{account.label}</strong>, en {account.currency}.
+        </p>
         <div className="form-grid">
           <label className="field">
             <span className="field-label">
@@ -866,7 +1070,7 @@ function BankCaptureForm({
           </label>
           <label className="field">
             <span className="field-label">
-              Monto (MXN) <span aria-hidden>*</span>
+              Monto ({account.currency}) <span aria-hidden>*</span>
             </span>
             <input
               className="input"

apps/web/src/app/clientes/[id]/page.tsx

@@ -3,7 +3,14 @@
 import { useEffect, useState } from "react";
 import Link from "next/link";
 import { AppShell } from "@/components/AppShell";
-import { archiveCustomer, getCustomer, restoreCustomer } from "@/lib/api";
+import { ContextReports } from "@/components/ContextReports";
+import {
+  archiveCustomer,
+  getCustomer,
+  policyDocumentDownloadUrl,
+  propertyDocumentDownloadUrl,
+  restoreCustomer,
+} from "@/lib/api";
 import { useCan } from "@/lib/abilities";
 import {
   domainLabel,
@@ -89,6 +96,15 @@ function Detail({ id }: { id: string }) {
     <div className="rise">
       <div className="detail-actionbar">
         <BackLink />
+        <ContextReports
+          entries={[
+            {
+              slug: "edo-cuenta-datos",
+              label: "Estado de cuenta (reporte)",
+              params: { customerId: data.id },
+            },
+          ]}
+        />
         <CustomerActions
           customer={data}
           onChange={() => getCustomer(id).then(setData).catch(() => {})}
@@ -765,9 +781,10 @@ function TxRow({ t }: { t: Transaction }) {
   const tipo =
     t.type?.nameEs || t.type?.nameEn || "—";
   const concept = t.message || t.period || "—";
+  const voided = !!t.voidedAt;
 
   return (
-    <tr>
+    <tr style={voided ? { textDecoration: "line-through", opacity: 0.55 } : undefined}>
       <td className="mono" style={{ whiteSpace: "nowrap" }}>
         {formatDate(t.transactionDate)}
       </td>
@@ -777,7 +794,14 @@ function TxRow({ t }: { t: Transaction }) {
       </td>
       <td>{tipo}</td>
       <td className="tx-ref">{t.reference || "—"}</td>
-      <td className="tx-concept">{concept}</td>
+      <td className="tx-concept">
+        {concept}
+        {voided && (
+          <span className="tx-cur" style={{ marginLeft: 6, textDecoration: "none" }}>
+            (anulado)
+          </span>
+        )}
+      </td>
       <td className="num">
         <span className={`tx-amount ${sign}`}>
           {formatMoney(t.amount, t.currency)}
@@ -790,15 +814,15 @@ function TxRow({ t }: { t: Transaction }) {
 
 /* ----------------------------------------------------------- Documentos */
 function DocumentosSection({ data }: { data: CustomerDetail }) {
-  type Doc = { type: string; key: string | null; scope: string };
+  type Doc = { type: string; scope: string; href: string | null };
   const docs: Doc[] = [];
   data.properties.forEach((p) => {
     const label = [p.addressLine1].filter(Boolean).join("") || "Propiedad";
     p.documents.forEach((d) =>
       docs.push({
         type: d.documentType || "Documento",
-        key: d.storageKey,
         scope: label,
+        href: d.id ? propertyDocumentDownloadUrl(p.id, d.id) : null,
       }),
     );
   });
@@ -806,8 +830,8 @@ function DocumentosSection({ data }: { data: CustomerDetail }) {
     p.documents.forEach((d) =>
       docs.push({
         type: d.documentType || "Documento",
-        key: d.storageKey,
         scope: `Póliza ${p.policyNumber ?? ""}`.trim(),
+        href: d.id ? policyDocumentDownloadUrl(p.id, d.id) : null,
       }),
     );
   });
@@ -821,28 +845,24 @@ function DocumentosSection({ data }: { data: CustomerDetail }) {
             No hay documentos registrados para este cliente.
           </div>
         ) : (
-          <>
-            <div className="doc-list">
-              {docs.map((d, i) => (
-                <div className="doc-item" key={i}>
-                  <span className="doc-icon" aria-hidden>
-                    ▤
-                  </span>
-                  <div style={{ minWidth: 0 }}>
-                    <div className="doc-type">{d.type}</div>
-                    <div className="doc-key">{d.scope}</div>
-                  </div>
+          <div className="doc-list">
+            {docs.map((d, i) => (
+              <div className="doc-item" key={i}>
+                <span className="doc-icon" aria-hidden>
+                  ▤
+                </span>
+                <div style={{ minWidth: 0, flex: 1 }}>
+                  <div className="doc-type">{d.type}</div>
+                  <div className="doc-key">{d.scope}</div>
                 </div>
-              ))}
-            </div>
-            <div
-              className="section-note"
-              style={{ padding: "0 22px 18px" }}
-            >
-              Los archivos se almacenan en el object storage
-              (storageKey); no se descargan desde esta vista.
-            </div>
-          </>
+                {d.href && (
+                  <a className="btn btn-ghost" href={d.href}>
+                    Descargar
+                  </a>
+                )}
+              </div>
+            ))}
+          </div>
         )}
       </div>
     </section>

apps/web/src/app/clientes/page.tsx

@@ -3,6 +3,7 @@
 import { useCallback, useEffect, useRef, useState } from "react";
 import Link from "next/link";
 import { AppShell } from "@/components/AppShell";
+import { ContextReports } from "@/components/ContextReports";
 import { getStats, listCustomers } from "@/lib/api";
 import { useCan } from "@/lib/abilities";
 import { formatNumber, SIN_NOMBRE } from "@/lib/labels";
@@ -99,6 +100,12 @@ function ClientesBrowser() {
         <div style={{ display: "flex", alignItems: "center", gap: 16 }}>
           <h1 className="page-title" style={{ margin: 0 }}>Clientes</h1>
           <span style={{ flex: 1 }} />
+          <ContextReports
+            entries={[
+              { slug: "listado-en-rojo", label: "En rojo" },
+              { slug: "pagos-no-efectuados", label: "Sin pagos (agua)" },
+            ]}
+          />
           {canCreate && (
             <Link href="/clientes/nuevo" className="btn btn-primary">
               + Nuevo cliente

apps/web/src/app/estado-cuenta/lote/page.tsx

@@ -0,0 +1,11 @@
+import { AppShell } from "@/components/AppShell";
+import { Captura } from "@/components/Captura";
+
+/** Daily capture, opened on the manual (key-by-hand) mode. */
+export default function BatchCapturePage() {
+  return (
+    <AppShell>
+      <Captura initialMode="manual" />
+    </AppShell>
+  );
+}

apps/web/src/app/estado-cuenta/page.tsx

@@ -3,12 +3,14 @@
 import { useCallback, useEffect, useRef, useState } from "react";
 import Link from "next/link";
 import { AppShell } from "@/components/AppShell";
+import { ContextReports } from "@/components/ContextReports";
 import { MovementForm } from "@/components/MovementForm";
 import {
   getBillingFacets,
   getBillingStats,
   listBalances,
   listMovements,
+  resolveOutstanding,
   voidMovement,
 } from "@/lib/api";
 import { useCan } from "@/lib/abilities";
@@ -116,6 +118,8 @@ function BillingBrowser() {
   const [direction, setDirection] = useState<LedgerDirection | "">("");
   const [typeId, setTypeId] = useState("");
   const [source, setSource] = useState("");
+  // "" = no filter, "true" = only NOPAGO rows, "false" = only settled ones.
+  const [outstanding, setOutstanding] = useState<"" | "true" | "false">("");
   const [from, setFrom] = useState("");
   const [to, setTo] = useState("");
   const [movementSort, setMovementSort] = useState<MovementSort>("date_desc");
@@ -125,6 +129,7 @@ function BillingBrowser() {
   const [loading, setLoading] = useState(true);
   const [error, setError] = useState<string | null>(null);
   const [captureOpen, setCaptureOpen] = useState(false);
+  const [resolving, setResolving] = useState<MovementListItem | null>(null);
 
   const debounceRef = useRef<ReturnType<typeof setTimeout>>();
 
@@ -164,6 +169,7 @@ function BillingBrowser() {
           direction: direction || undefined,
           typeId: typeId || undefined,
           source: source || undefined,
+          outstanding: outstanding === "" ? undefined : outstanding === "true",
           from: from || undefined,
           to: to || undefined,
           sort: movementSort,
@@ -187,6 +193,7 @@ function BillingBrowser() {
       direction,
       typeId,
       source,
+      outstanding,
       from,
       to,
       movementSort,
@@ -256,6 +263,15 @@ function BillingBrowser() {
         <LedgerTotalsStrip stats={stats} />
       </div>
 
+      <div style={{ marginTop: 12 }}>
+        <ContextReports
+          entries={[
+            { slug: "listado-en-rojo", label: "En rojo" },
+            { slug: "reporte-de-efectivo", label: "Reporte de efectivo" },
+          ]}
+        />
+      </div>
+
       <div className="toolbar">
         <div className="search-box">
           <span className="search-icon" aria-hidden>
@@ -294,16 +310,35 @@ function BillingBrowser() {
           ))}
         </div>
         {view === "movimientos" && canCapture && (
-          <button
-            type="button"
-            className="btn btn-primary"
-            onClick={() => setCaptureOpen((v) => !v)}
-          >
-            {captureOpen ? "Cerrar captura" : "Capturar movimiento"}
-          </button>
+          <div style={{ display: "flex", gap: 10 }}>
+            <Link href="/estado-cuenta/lote" className="btn btn-outline">
+              Captura por cheque
+            </Link>
+            <button
+              type="button"
+              className="btn btn-primary"
+              onClick={() => setCaptureOpen((v) => !v)}
+            >
+              {captureOpen ? "Cerrar captura" : "Capturar movimiento"}
+            </button>
+          </div>
         )}
       </div>
 
+      {view === "movimientos" && resolving && (
+        <ResolveDialog
+          movement={resolving}
+          onCancel={() => setResolving(null)}
+          onDone={() => {
+            setResolving(null);
+            runSearch(movements?.page ?? 1);
+            getBillingStats()
+              .then(setStats)
+              .catch(() => setStats(null));
+          }}
+        />
+      )}
+
       {view === "movimientos" && captureOpen && (
         <section className="section">
           <div className="section-head">
@@ -437,6 +472,21 @@ function BillingBrowser() {
               </select>
             </label>
 
+            <label className="filter-field">
+              <span className="filter-label">Estado de pago</span>
+              <select
+                className="input select"
+                value={outstanding}
+                onChange={(e) =>
+                  setOutstanding(e.target.value as "" | "true" | "false")
+                }
+              >
+                <option value="">Todos</option>
+                <option value="true">Sin fondos (pendientes)</option>
+                <option value="false">Pagados</option>
+              </select>
+            </label>
+
             <label className="filter-field">
               <span className="filter-label">Desde</span>
               <input
@@ -542,7 +592,9 @@ function BillingBrowser() {
                     <th>Concepto</th>
                     <th>Referencia</th>
                     <th className="num">Monto</th>
-                    {canVoid && <th style={{ width: 1, whiteSpace: "nowrap" }}>Acciones</th>}
+                    {(canVoid || canCapture) && (
+                      <th style={{ width: 1, whiteSpace: "nowrap" }}>Acciones</th>
+                    )}
                   </tr>
                 </thead>
                 <tbody>
@@ -551,6 +603,8 @@ function BillingBrowser() {
                       key={m.id}
                       m={m}
                       canVoid={canVoid}
+                      canCapture={canCapture}
+                      onResolve={setResolving}
                       onVoided={() => {
                         runSearch(movements?.page ?? 1);
                         getBillingStats()
@@ -789,11 +843,15 @@ function BalanceRow({
 function MovementRow({
   m,
   canVoid,
+  canCapture,
   onVoided,
+  onResolve,
 }: {
   m: MovementListItem;
   canVoid: boolean;
+  canCapture: boolean;
   onVoided: () => void;
+  onResolve: (m: MovementListItem) => void;
 }) {
   const [busy, setBusy] = useState(false);
 
@@ -844,11 +902,29 @@ function MovementRow({
         </span>
         <div className="tx-cur">
           {m.currency} · {directionLabel(m.direction)}
+          {m.outstanding && !m.voided && (
+            <>
+              {" · "}
+              <span className="tx-outstanding">sin fondos</span>
+            </>
+          )}
         </div>
       </td>
-      {canVoid && (
+      {(canVoid || canCapture) && (
         <td style={{ whiteSpace: "nowrap" }}>
-          {!m.voided && (
+          {/* Resolver only makes sense on a live outstanding row, and it's a
+              capture action (completing one), not a void. */}
+          {!m.voided && m.outstanding && canCapture && (
+            <button
+              type="button"
+              className="btn btn-ghost"
+              style={{ padding: "4px 10px", fontSize: 12 }}
+              onClick={() => onResolve(m)}
+            >
+              Resolver
+            </button>
+          )}
+          {!m.voided && canVoid && (
             <button
               type="button"
               className="btn btn-ghost"
@@ -865,6 +941,97 @@ function MovementRow({
   );
 }
 
+/**
+ * Resolve an outstanding row: the check finally got cut. Takes the check number
+ * and the date it was paid, which also becomes the movement's date — the legacy
+ * behavior, since the ledger date is when money actually moved.
+ */
+function ResolveDialog({
+  movement,
+  onDone,
+  onCancel,
+}: {
+  movement: MovementListItem;
+  onDone: () => void;
+  onCancel: () => void;
+}) {
+  const [checkNumber, setCheckNumber] = useState("");
+  const [resolvedDate, setResolvedDate] = useState(
+    new Date().toISOString().slice(0, 10),
+  );
+  const [busy, setBusy] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    if (!checkNumber.trim()) {
+      setError("Indica el número de cheque.");
+      return;
+    }
+    setBusy(true);
+    setError(null);
+    try {
+      await resolveOutstanding(movement.id, {
+        checkNumber: checkNumber.trim(),
+        resolvedDate,
+      });
+      onDone();
+    } catch (e2) {
+      setError((e2 as Error)?.message ?? "No se pudo resolver el movimiento.");
+      setBusy(false);
+    }
+  }
+
+  return (
+    <div className="card" style={{ padding: 20, marginBottom: 16 }}>
+      <h2 className="section-title" style={{ marginBottom: 6 }}>
+        Resolver movimiento sin fondos
+      </h2>
+      <p className="muted" style={{ marginBottom: 14 }}>
+        {movement.customerName} · {formatMoney(movement.amount, movement.currency)}{" "}
+        {movement.currency}
+        {movement.reference ? ` · ${movement.reference}` : ""}
+      </p>
+      {error && <div className="state-box state-error">{error}</div>}
+      <form onSubmit={submit}>
+        <div className="form-grid">
+          <label className="field">
+            <span className="field-label">Número de cheque *</span>
+            <input
+              className="input"
+              value={checkNumber}
+              onChange={(e) => setCheckNumber(e.target.value)}
+              autoFocus
+            />
+          </label>
+          <label className="field">
+            <span className="field-label">Fecha de pago *</span>
+            <input
+              className="input"
+              type="date"
+              required
+              value={resolvedDate}
+              onChange={(e) => setResolvedDate(e.target.value)}
+            />
+          </label>
+        </div>
+        <p className="muted" style={{ fontSize: 13, marginTop: 10 }}>
+          El movimiento tomará esta fecha y empezará a contar en el saldo del
+          cliente.
+        </p>
+        <div className="form-actions">
+          <button type="submit" className="btn btn-primary" disabled={busy}>
+            {busy ? "Resolviendo…" : "Resolver"}
+          </button>
+          <button type="button" className="btn btn-outline" onClick={onCancel}>
+            Cancelar
+          </button>
+        </div>
+      </form>
+    </div>
+  );
+}
+
 function Pager({
   page,
   pageCount,

apps/web/src/app/inicio/page.tsx

@@ -0,0 +1,501 @@
+"use client";
+
+import { useEffect, useState } from "react";
+import Link from "next/link";
+import { AppShell } from "@/components/AppShell";
+import {
+  EXPIRY_WINDOW_DAYS,
+  getBankStats,
+  getBillingStats,
+  getPolicyStats,
+  getPropertyStats,
+  getStats,
+  listBankAccounts,
+} from "@/lib/api";
+import { useAuth } from "@/lib/abilities";
+import {
+  balancePhrase,
+  formatDate,
+  formatMoney,
+  formatNumber,
+  policyStatusLabel,
+  trustStatusLabel,
+} from "@/lib/labels";
+import type {
+  BankAccount,
+  BankStats,
+  BillingStats,
+  CustomerStats,
+  PolicyStats,
+  PropertyStats,
+} from "@/lib/types";
+
+export default function InicioPage() {
+  return (
+    <AppShell>
+      <HomeDashboard />
+    </AppShell>
+  );
+}
+
+interface DashboardData {
+  customers: CustomerStats | null;
+  policies: PolicyStats | null;
+  properties: PropertyStats | null;
+  billing: BillingStats | null;
+  /** Figures for ONE chequera — see `bankAccount` for which. */
+  bank: BankStats | null;
+  /**
+   * The chequera the card above is reading. The office keeps more than one, in
+   * different currencies, so this card shows the default account rather than a
+   * cross-account total, which would be a figure that never existed.
+   */
+  bankAccount: BankAccount | null;
+  bankAccountCount: number;
+}
+
+/** Same default as /banco, so the two screens agree on which chequera opens. */
+function defaultAccount(accounts: BankAccount[]): BankAccount | null {
+  const remembered =
+    typeof window !== "undefined"
+      ? window.localStorage.getItem("banco.bankAccountId")
+      : null;
+  return (
+    accounts.find((a) => a.id === remembered) ??
+    accounts.find((a) => a.active) ??
+    accounts[0] ??
+    null
+  );
+}
+
+function HomeDashboard() {
+  const user = useAuth();
+  const [data, setData] = useState<DashboardData>({
+    customers: null,
+    policies: null,
+    properties: null,
+    billing: null,
+    bank: null,
+    bankAccount: null,
+    bankAccountCount: 0,
+  });
+  const [loading, setLoading] = useState(true);
+
+  useEffect(() => {
+    let alive = true;
+    // The chequera figures need an account id, so that read is a two-step:
+    // list the accounts, then ask the default one for its stats.
+    const bank = listBankAccounts().then(async (accounts) => {
+      const account = defaultAccount(accounts);
+      if (!account) return { account: null, stats: null, count: 0 };
+      return {
+        account,
+        stats: await getBankStats(account.id),
+        count: accounts.length,
+      };
+    });
+
+    Promise.allSettled([
+      getStats(),
+      getPolicyStats(),
+      getPropertyStats(),
+      getBillingStats(),
+      bank,
+    ]).then((results) => {
+      if (!alive) return;
+      const bankResult = results[4].status === "fulfilled" ? results[4].value : null;
+      setData({
+        customers: results[0].status === "fulfilled" ? results[0].value : null,
+        policies: results[1].status === "fulfilled" ? results[1].value : null,
+        properties: results[2].status === "fulfilled" ? results[2].value : null,
+        billing: results[3].status === "fulfilled" ? results[3].value : null,
+        bank: bankResult?.stats ?? null,
+        bankAccount: bankResult?.account ?? null,
+        bankAccountCount: bankResult?.count ?? 0,
+      });
+      setLoading(false);
+    });
+    return () => {
+      alive = false;
+    };
+  }, []);
+
+  const greeting = greetingFor(user?.name);
+  const lastBillingMovement = data.billing?.lastMovement ?? null;
+  const lastBankMovement = data.bank?.lastMovement ?? null;
+
+  return (
+    <div className="home rise">
+      <div className="page-head">
+        <p className="eyebrow">Resumen general</p>
+        <h1 className="page-title">{greeting}</h1>
+        <p className="muted" style={{ marginTop: 6, maxWidth: 640 }}>
+          Vista rápida del estado de la cartera de clientes, las pólizas
+          activas, los fideicomisos y los movimientos recientes.
+        </p>
+        <LastSeenLine
+          billing={lastBillingMovement}
+          bank={lastBankMovement}
+          loading={loading}
+        />
+      </div>
+
+      <section aria-label="Indicadores principales" className="home-section">
+        <KpiCard
+          href="/clientes"
+          label="Clientes"
+          loading={loading}
+          primary={data.customers ? formatNumber(data.customers.customers) : "—"}
+          sub={
+            data.customers
+              ? [
+                  `${formatNumber(data.customers.withUtilities)} con servicios`,
+                  `${formatNumber(data.customers.withInsurance)} con seguros`,
+                  `${formatNumber(data.customers.bothLines)} en ambos ramos`,
+                ]
+              : []
+          }
+        />
+        <KpiCard
+          href="/servicios"
+          label="Propiedades"
+          loading={loading}
+          primary={data.properties ? formatNumber(data.properties.properties) : "—"}
+          sub={
+            data.properties
+              ? [
+                  `${formatNumber(data.properties.services)} servicios`,
+                  `${formatNumber(data.properties.trusts)} fideicomisos`,
+                  `${formatNumber(data.properties.trustExpiring)} por vencer`,
+                ]
+              : []
+          }
+        />
+        <KpiCard
+          href="/polizas"
+          label="Pólizas"
+          loading={loading}
+          primary={data.policies ? formatNumber(data.policies.total) : "—"}
+          sub={
+            data.policies
+              ? [
+                  `${formatNumber(data.policies.active)} vigentes`,
+                  `${formatNumber(data.policies.expiring)} por vencer (${EXPIRY_WINDOW_DAYS} d)`,
+                  `${formatNumber(data.policies.expired + data.policies.undated)} vencidas o sin fecha`,
+                ]
+              : []
+          }
+        />
+        <KpiCard
+          href="/estado-cuenta"
+          label="Movimientos"
+          loading={loading}
+          primary={data.billing ? formatNumber(data.billing.movements) : "—"}
+          sub={
+            data.billing
+              ? [
+                  `${formatNumber(data.billing.ledgerCustomers)} clientes con cargo`,
+                  `${formatNumber(data.billing.crossLineCustomers)} con ambos ramos`,
+                  lastBillingMovement
+                    ? `Último: ${formatDate(lastBillingMovement)}`
+                    : "Sin movimientos",
+                ]
+              : []
+          }
+        />
+      </section>
+
+      <section aria-label="Atención" className="home-section">
+        <div className="section-head">
+          <h2 className="section-title">Atención</h2>
+          <span className="section-sub">
+            Lo que conviene revisar antes de cerrar el día
+          </span>
+        </div>
+
+        <div className="attention-grid">
+          <AttentionCard
+            href="/polizas?status=expiring"
+            tone="warn"
+            loading={loading}
+            title="Pólizas por vencer"
+            primary={
+              data.policies ? formatNumber(data.policies.expiring) : "—"
+            }
+            sub={
+              data.policies
+                ? `En los próximos ${EXPIRY_WINDOW_DAYS} días — ventana: ${policyStatusLabel("expiring")}`
+                : undefined
+            }
+            meta={
+              data.policies
+                ? `${formatNumber(data.policies.active)} vigentes · ${formatNumber(data.policies.expired)} vencidas`
+                : undefined
+            }
+          />
+          <AttentionCard
+            href="/servicios?trust=expiring"
+            tone="warn"
+            loading={loading}
+            title="Fideicomisos por vencer"
+            primary={
+              data.properties ? formatNumber(data.properties.trustExpiring) : "—"
+            }
+            sub={
+              data.properties
+                ? `Renueva en los próximos ${EXPIRY_WINDOW_DAYS} días (${trustStatusLabel("expiring")})`
+                : undefined
+            }
+            meta={
+              data.properties
+                ? `${formatNumber(data.properties.trusts)} fideicomisos en cartera`
+                : undefined
+            }
+          />
+          <AttentionCard
+            href="/polizas?status=undated"
+            tone="muted"
+            loading={loading}
+            title="Pólizas sin vigencia"
+            primary={data.policies ? formatNumber(data.policies.undated) : "—"}
+            sub={
+              data.policies
+                ? "Sin fecha de fin registrada — revisar y completar"
+                : undefined
+            }
+            meta={
+              data.policies
+                ? `${formatNumber(data.policies.liquidated)} liquidadas`
+                : undefined
+            }
+          />
+          <AttentionCard
+            href="/estado-cuenta"
+            tone="info"
+            loading={loading}
+            title="Clientes con adeudo"
+            primary={
+              data.billing ? (
+                <CurrencyTotals
+                  totals={data.billing.byCurrency}
+                  field="owing"
+                />
+              ) : (
+                "—"
+              )
+            }
+            sub={
+              data.billing
+                ? `En ${formatNumber(data.billing.ledgerCustomers)} expedientes con cargo`
+                : undefined
+            }
+            meta={
+              data.billing
+                ? `${formatNumber(data.billing.crossLineCustomers)} clientes con cargo en ambos ramos`
+                : undefined
+            }
+          />
+          <AttentionCard
+            href="/banco"
+            tone="info"
+            loading={loading}
+            title="Chequera del despacho"
+            primary={
+              data.bank && data.bankAccount ? (
+                <span className={data.bank.net.startsWith("-") ? "money-neg" : "money-pos"}>
+                  {formatMoney(data.bank.net, data.bankAccount.currency)}
+                </span>
+              ) : (
+                "—"
+              )
+            }
+            // Names the account, because this is one chequera's figure and the
+            // office has more than one — they are never added together.
+            sub={
+              data.bank && data.bankAccount
+                ? `${data.bankAccount.label} · ${balancePhrase(data.bank.net)}`
+                : undefined
+            }
+            meta={
+              data.bank
+                ? `${formatNumber(data.bank.movements)} movimientos · ${formatNumber(data.bank.pending)} pendientes` +
+                  (data.bankAccountCount > 1
+                    ? ` · ${formatNumber(data.bankAccountCount)} cuentas en total`
+                    : "")
+                : undefined
+            }
+          />
+        </div>
+      </section>
+
+      <section aria-label="Accesos rápidos" className="home-section">
+        <div className="section-head">
+          <h2 className="section-title">Accesos rápidos</h2>
+          <span className="section-sub">
+            Ir directo a cada módulo
+          </span>
+        </div>
+        <div className="quick-grid">
+          <QuickLink href="/clientes" label="Clientes" sub="Directorio unificado" />
+          <QuickLink href="/servicios" label="Propiedades" sub="Servicios y fideicomisos" />
+          <QuickLink href="/polizas" label="Pólizas" sub="Vigencias y liquidaciones" />
+          <QuickLink href="/estado-cuenta" label="Estado de cuenta" sub="Cargos y abonos" />
+          <QuickLink href="/banco" label="Chequera" sub="Ingresos y egresos" />
+        </div>
+      </section>
+    </div>
+  );
+}
+
+function greetingFor(name?: string): string {
+  const hour = new Date().getHours();
+  const partOfDay =
+    hour < 12 ? "Buenos días" : hour < 19 ? "Buenas tardes" : "Buenas noches";
+  const display = (name ?? "").trim().split(/\s+/)[0];
+  return display ? `${partOfDay}, ${display}` : partOfDay;
+}
+
+function LastSeenLine({
+  billing,
+  bank,
+  loading,
+}: {
+  billing: string | null;
+  bank: string | null;
+  loading: boolean;
+}) {
+  if (loading) {
+    return (
+      <p className="muted home-last-seen" aria-hidden="true">
+        <span className="skeleton" style={{ display: "inline-block", width: 220, height: 12 }} />
+      </p>
+    );
+  }
+  if (!billing && !bank) return null;
+  return (
+    <p className="muted home-last-seen">
+      {billing && <>Último movimiento de cartera: <strong>{formatDate(billing)}</strong></>}
+      {billing && bank && <span aria-hidden="true"> · </span>}
+      {bank && <>Último movimiento de chequera: <strong>{formatDate(bank)}</strong></>}
+    </p>
+  );
+}
+
+function KpiCard({
+  href,
+  label,
+  primary,
+  sub,
+  loading,
+}: {
+  href: string;
+  label: string;
+  primary: React.ReactNode;
+  sub: string[];
+  loading: boolean;
+}) {
+  return (
+    <Link href={href} className="kpi-card card">
+      <div className="kpi-label">{label}</div>
+      <div className="kpi-primary">
+        {loading ? (
+          <span
+            className="skeleton"
+            style={{ display: "inline-block", width: 90, height: 30 }}
+          />
+        ) : (
+          primary
+        )}
+      </div>
+      <ul className="kpi-sub">
+        {loading
+          ? Array.from({ length: 3 }).map((_, i) => (
+              <li key={i} className="skeleton" style={{ height: 10 }} />
+            ))
+          : sub.map((line) => <li key={line}>{line}</li>)}
+      </ul>
+      <span className="kpi-cta" aria-hidden="true">
+        Ver módulo →
+      </span>
+    </Link>
+  );
+}
+
+function AttentionCard({
+  href,
+  tone,
+  title,
+  primary,
+  sub,
+  meta,
+  loading,
+}: {
+  href: string;
+  tone: "warn" | "info" | "muted";
+  title: string;
+  primary: React.ReactNode;
+  sub?: string;
+  meta?: string;
+  loading: boolean;
+}) {
+  return (
+    <Link href={href} className={`attention-card tone-${tone} card`}>
+      <div className="attention-head">
+        <span className="attention-title">{title}</span>
+        <span className="attention-arrow" aria-hidden="true">→</span>
+      </div>
+      <div className="attention-primary">
+        {loading ? (
+          <span
+            className="skeleton"
+            style={{ display: "inline-block", width: 70, height: 28 }}
+          />
+        ) : (
+          primary
+        )}
+      </div>
+      {sub && !loading && <div className="attention-sub">{sub}</div>}
+      {meta && !loading && <div className="attention-meta">{meta}</div>}
+    </Link>
+  );
+}
+
+function QuickLink({
+  href,
+  label,
+  sub,
+}: {
+  href: string;
+  label: string;
+  sub: string;
+}) {
+  return (
+    <Link href={href} className="quick-link card">
+      <span className="quick-label">{label}</span>
+      <span className="quick-sub">{sub}</span>
+      <span className="quick-arrow" aria-hidden="true">→</span>
+    </Link>
+  );
+}
+
+function CurrencyTotals({
+  totals,
+  field,
+}: {
+  totals: BillingStats["byCurrency"];
+  field: "owing" | "inCredit";
+}) {
+  if (!totals || totals.length === 0) return <>—</>;
+  return (
+    <span className="home-currency-totals">
+      {totals.map((c) => (
+        <span key={c.currency} className="home-currency-totals-row">
+          <span className="badge badge-count">{c.currency}</span>
+          <span className="home-currency-totals-num">
+            {formatNumber(c[field])}
+          </span>
+        </span>
+      ))}
+    </span>
+  );
+}

apps/web/src/app/layout.tsx

@@ -1,5 +1,6 @@
 import type { ReactNode } from "react";
 import "./globals.css";
+import { readBuildInfoFromEnv } from "@/lib/build-info";
 
 export const metadata = {
   title: "Jorge Cuadros & Asociados — Plataforma",
@@ -7,10 +8,45 @@ export const metadata = {
     "Plataforma interna unificada de clientes, servicios y seguros.",
 };
 
+// The browser talks to the API cross-origin, so it needs the API URL at
+// runtime. NEXT_PUBLIC_* would bake it at build time (one URL per image); we
+// want the URL to come from the deploy .env instead. So read it here on the
+// server per request and inject it as window.__API_ORIGIN__ (see lib/api.ts).
+// force-dynamic guarantees process.env is read at request time, never baked
+// into a static prerender.
+export const dynamic = "force-dynamic";
+
 export default function RootLayout({ children }: { children: ReactNode }) {
+  const apiOrigin =
+    process.env.API_ORIGIN ??
+    process.env.NEXT_PUBLIC_API_ORIGIN ??
+    "http://localhost:3001";
+  // Same reason as the API origin: read on the server per request so the built
+  // image is not pinned to one build identity in its client bundle.
+  const build = readBuildInfoFromEnv();
+
   return (
     <html lang="es">
       <head>
+        {/* Must run before the app bundle so lib/api.ts sees it at import. */}
+        <script
+          dangerouslySetInnerHTML={{
+            __html:
+              `window.__API_ORIGIN__=${JSON.stringify(apiOrigin)};` +
+              `window.__APP_BUILD__=${JSON.stringify(build)};`,
+          }}
+        />
+        {/* Text-size preference, applied before first paint so the page never
+            flashes at the default size. Mirrors lib/ui-scale.ts — keep the key
+            and the clamp in sync with it. */}
+        <script
+          dangerouslySetInnerHTML={{
+            __html:
+              `try{var s=parseFloat(localStorage.getItem("jc.ui-scale"));` +
+              `if(isFinite(s))document.documentElement.style.setProperty(` +
+              `"--ui-scale",String(Math.min(1.5,Math.max(0.9,s))));}catch(e){}`,
+          }}
+        />
         {/* Google Fonts via <link> so an offline build still runs with the
             system fallback stacks defined in globals.css. */}
         <link rel="preconnect" href="https://fonts.googleapis.com" />