Complete Phase 1: policy kernel, REST service, and local smoke tooling
Implements QONTO-WP-0002 (policy-gated Qonto REST service with audit logging, rate limiting, and credential handling) and the ADHOC-2026-07-21 follow-up (fixture-backed local smoke mode, repo classification metadata). Marks QONTO-WP-0001/0002 and the ad-hoc workplan finished, and regenerates WORK-RECORDS.md and the ADHOC workplan's state_hub_workstream_id via fix-consistency. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
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tests/fixtures/qonto/transactions.json
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tests/fixtures/qonto/transactions.json
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{
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"transactions": [
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{
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"id": "tx-qonto-2026-07",
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"settled_at": "2026-07-01T08:00:00Z",
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"label": "Qonto",
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"side": "debit",
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"amount": 70.8,
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"currency": "EUR",
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"category": "subscription",
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"operation_type": "qonto_fee",
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"status": "completed",
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"iban": "DE02100100101234566810"
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},
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{
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"id": "tx-hub31-2026-06",
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"settled_at": "2026-06-02T08:00:00Z",
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"label": "HUB31",
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"side": "debit",
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"amount": 297.5,
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"currency": "EUR",
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"category": "other_expense",
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"operation_type": "transfer",
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"status": "completed",
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"iban": "DE02100100101234566810"
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},
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{
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"id": "tx-hub31-2026-05",
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"settled_at": "2026-05-02T08:00:00Z",
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"label": "HUB31",
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"side": "debit",
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"amount": 297.5,
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"currency": "EUR",
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"category": "other_expense",
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"operation_type": "transfer",
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"status": "completed",
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"iban": "DE02100100101234566810"
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},
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{
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"id": "tx-stripe-2026-06",
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"settled_at": "2026-06-29T08:00:00Z",
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"label": "Stripe Technology Europe Ltd",
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"side": "credit",
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"amount": 8.55,
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"currency": "EUR",
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"category": "other_income",
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"operation_type": "income",
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"status": "completed",
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"iban": "DE02100100101234566810"
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},
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{
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"id": "tx-old-window",
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"settled_at": "2026-02-01T08:00:00Z",
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"label": "Old Expense",
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"side": "debit",
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"amount": 12.34,
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"currency": "EUR",
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"category": "other_expense",
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"operation_type": "income",
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"status": "completed",
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"iban": "DE02100100101234566810"
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}
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]
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}
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