feat(accounts): expose the vault flag on create and update

CHANGELOG.md

@@ -4,6 +4,15 @@ All notable changes to this project will be documented in this file.
 
 ## [Unreleased]
 
+### Added
+
+- `accounts create --vault` and `accounts update --vault/--no-vault` set the
+  savings-vault flag. A vault account keeps counting toward totals but the
+  backend rejects it as the source of an expense, a card payment, a loan
+  payment or a subscription with `422 VAULT_CANNOT_SEND`; transferring out of
+  it stays allowed. CREDIT and INVESTMENT accounts answer
+  `422 VAULT_TYPE_UNSUPPORTED`.
+
 ## [0.9.0] - 2026-08-12
 
 ### Added

README.md

@@ -112,6 +112,10 @@ List commands are intentionally agent-friendly:
 - `accounts list --include-archived` includes archived accounts in the account
   array and adds `archivedAccounts` metadata. Balance/debt totals remain the
   active-account totals returned by LucasApp.
+- `accounts` exposes the `vault` flag (`create --vault`,
+  `update --vault/--no-vault`). A vault account counts toward totals and can
+  receive money, but the backend rejects it as the source of an expense, card
+  payment, loan payment or subscription; only transfers out of it are allowed.
 - `accounts list` adds `availableCredit` to CREDIT accounts:
   `max(0, creditLimit - currentDebt)`. A negative `currentDebt` (overpaid
   card) intentionally raises `availableCredit` above `creditLimit`.

src/commands/accounts/create.ts

@@ -15,6 +15,7 @@ export interface CreateAccountOptions {
   cashbackRate?: string;
   color?: string;
   icon?: string;
+  vault?: boolean;
 }
 
 export function buildCreateAccountBody(
@@ -53,6 +54,7 @@ export function buildCreateAccountBody(
     body.cashbackEnabled = opts.cashbackEnabled;
   if (opts.cashbackRate !== undefined)
     body.cashbackRate = parseFiniteNumber(opts.cashbackRate, "--cashback-rate");
+  if (opts.vault !== undefined) body.vault = opts.vault;
   return body;
 }
 
@@ -89,4 +91,8 @@ export const createAccountCommand = new Command("create")
   )
   .option("--color <color>", "Account color")
   .option("--icon <icon>", "Account icon")
+  .option(
+    "--vault",
+    "Savings vault: counts toward totals but cannot fund payments (not CREDIT/INVESTMENT)",
+  )
   .action(runCreateAccount);

src/commands/accounts/update.ts

@@ -31,6 +31,8 @@ export const updateAccountCommand = new Command("update")
   .option("--display-order <n>", "Display order")
   .option("--excluded", "Exclude from totals")
   .option("--no-excluded", "Include in totals")
+  .option("--vault", "Mark as savings vault (cannot fund payments)")
+  .option("--no-vault", "Clear the savings vault flag")
   .option("--is-archived", "Archive account")
   .option("--no-is-archived", "Unarchive account")
   .action(async (id: string, opts) => {
@@ -68,6 +70,7 @@ export const updateAccountCommand = new Command("update")
       },
       { opt: "displayOrder", body: "displayOrder", type: "number" },
       { opt: "excluded", body: "excluded", type: "boolean" },
+      { opt: "vault", body: "vault", type: "boolean" },
       { opt: "isArchived", body: "isArchived", type: "boolean" },
     ]);
     const data = await apiRequest(

src/lib/types.ts

@@ -7,6 +7,7 @@ export interface Account {
   type?: string;
   creditLimit?: number | null;
   currentDebt?: number | null;
+  vault?: boolean;
   [key: string]: unknown;
 }
 

tests/commands/accounts-vault.test.ts

@@ -0,0 +1,31 @@
+import { describe, expect, it, vi } from "vitest";
+
+const apiRequest = vi.fn();
+
+vi.mock("../../src/lib/api-client.js", () => ({
+  apiRequest,
+}));
+
+const { buildCreateAccountBody } =
+  await import("../../src/commands/accounts/create.js");
+
+describe("accounts vault flag", () => {
+  it("omits vault when the flag is not passed", () => {
+    const body = buildCreateAccountBody({
+      name: "ITK Soles",
+      type: "DEBIT",
+      bank: "Interbank",
+    });
+    expect(body).not.toHaveProperty("vault");
+  });
+
+  it("sends vault true when --vault is passed", () => {
+    const body = buildCreateAccountBody({
+      name: "Ahorro carro",
+      type: "SAVINGS",
+      bank: "Interbank",
+      vault: true,
+    });
+    expect(body).toMatchObject({ type: "SAVINGS", vault: true });
+  });
+});