Custom per-user valuations (override editorial cents-per-point)

[jckail]

Summary

The Phase 1 headline intelligence feature: users can override a program's cents-per-point, and portfolio value everywhere it flows — summary, dashboard, weekly digest, proactive alerts — reflects it, because they all consume estimatedValueCents from the read model.

• DB — new user_provider_valuation table (composite PK user+provider; value stored as integer milli-cents to avoid float drift) + migration 0005 (additive only — no changes to existing tables).
• Domain — CustomValuation + CustomValuationRepository port + assertValidCentsPerPoint (0 < v ≤ 100) + InvalidValuationError.
• Application — ListCustomValuations / SetCustomValuation (validates provider and range) / DeleteCustomValuation. The read-model mapper takes an overrides map; ListLoyaltyAccounts and GetLoyaltyAccount thread the optional valuation repo, so estimatedValueCents uses the override and a new customCentsPerPoint field surfaces it. Backward compatible — no repo wired ⇒ editorial rate (the digest/worker/bot containers keep working unchanged).
• Infra — DrizzleCustomValuationRepository (upsert via onConflictDoUpdate).
• Contracts + OpenAPI — new DTO field, request/response schemas, INVALID_VALUATION (422), /api/v1/valuations paths (the spec regenerates from the schemas, so it stays accurate).
• Web — GET /api/v1/valuations, PUT/DELETE /api/v1/valuations/{providerId}.
• api-client — list/set/delete methods.
• Docs — docs/api.md.

Verification

• 112 tests pass (92 core incl. 5 new + 20 bot); typecheck + eslint clean.
• New tests cover validation (unknown provider, out-of-range) and that the read model's value switches to the override and reverts on delete.

⚠️ Migration note

This adds migration 0005 (new table only). CI has no database, so it can't exercise the migration — it's validated by drizzle-kit generate producing a clean additive diff and the offline snapshot. It applies on deploy via the worker migrate task. Nothing destructive.

🤖 Generated with Claude Code

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