[clancymendonca]

Summary

• Security & auth: Adds ownership guards, Zod env validation, rate-limited API routes, and server-side transfer initiation.
• Plaid sync: Replaces snapshot fetches with transactionsSync + cursor persistence, multi-account support, and webhook JWT verification.
• Features & UX: Bank disconnect, transfer confirmation, transfer history, transaction filters/CSV export, opaque shareable IDs, toasts, empty states, post-login redirect.
• Quality & ops: Vitest (27 tests), Playwright E2E, CI, health endpoint, Prettier, Next.js 14.2.35, README deploy docs.
• Production hardening: Optional token encryption, audit logging, forgot password, Google OAuth.

Test plan

• npm run lint && npm run typecheck && npm run test && npm run build
• Sign-in redirect to protected route works
• Plaid sandbox bank connect and transaction sync
• Transfer with review step between two users
• Transfer history and transaction filters; CSV export
• Bank disconnect
• GET /api/health returns ok
• Optional: npm run test:e2e after npx playwright install