niteshandClaude Sonnet 5
d2e13cc7b9
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A SINGLE/DOUBLE FD opened with an explicit maturity instruction still auto-processes on its own
via the nightly job, exactly as before -- the grace period never delays that. An FD opened with
NO instruction at all (the new default -- see the frontend's account-creation changes) is now
never touched by the job; it just sits matured until staff renew it manually from the FD
Dashboard, backdated to the original maturity date within the product's grace window, or from
today with gap-period interest (at the linked account's rate) credited first once it's passed.
New endpoints:
- POST /fixeddepositaccounts/{id}/renew -- the Dashboard's own quick Reinvest choice
(Principal+Interest / Principal Only), for the two-option case.
- POST /fixeddepositaccounts/{id}/credit-gap-interest -- a pre-step the frontend's Payment
dialog now calls before submitting the existing generic `payment` command, so the Dashboard's
Renew action offers every closure type Payment does (Transfer to Savings, both Reinvest
options, Partial Reinvest), not just two, while still crediting gap-period interest first.
Also fixes a real, pre-existing bug found while building this: REINVEST_PRINCIPAL_ONLY never
actually paid its leftover interest anywhere -- handleFDAccountMaturityClosure withdrew only the
principal into the new deposit and never referenced its own toSavingsId parameter, silently
stranding the interest on an account it also never closed. Now transfers the remainder to the
target savings account and actually closes the old account.
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>