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

apps/bot/test/commands.test.ts

@@ -33,6 +33,7 @@ function account(
         ? null
         : { points, source: "manual", capturedAt: new Date("2026-01-01") },
     estimatedValueCents: valueCents ?? 0,
+    customCentsPerPoint: null,
     trend: {} as LoyaltyAccountReadModel["trend"],
     expiresAt: null,
     daysUntilExpiry: daysUntilExpiry ?? null,

apps/web/src/app/api/v1/valuations/[providerId]/route.ts

@@ -0,0 +1,36 @@
+import {
+  setCustomValuationRequestSchema,
+  toCustomValuationDto,
+} from "@pointup/core/contracts";
+import { NextResponse } from "next/server";
+
+import { getContainer } from "@/server/container";
+import { withAuthenticatedUser } from "@/server/http";
+
+type Context = { params: Promise<{ providerId: string }> };
+
+/** Set (or replace) the caller's cents-per-point override for a provider. */
+export function PUT(request: Request, context: Context) {
+  return withAuthenticatedUser(async (userId) => {
+    const { providerId } = await context.params;
+    const body = setCustomValuationRequestSchema.parse(await request.json());
+    const valuation = await getContainer().useCases.setCustomValuation.execute({
+      userId,
+      providerId,
+      centsPerPoint: body.centsPerPoint,
+    });
+    return NextResponse.json(toCustomValuationDto(valuation));
+  });
+}
+
+/** Clear the override, reverting the provider to its editorial valuation. */
+export function DELETE(_request: Request, context: Context) {
+  return withAuthenticatedUser(async (userId) => {
+    const { providerId } = await context.params;
+    await getContainer().useCases.deleteCustomValuation.execute(
+      userId,
+      providerId,
+    );
+    return new NextResponse(null, { status: 204 });
+  });
+}

apps/web/src/app/api/v1/valuations/route.ts

@@ -0,0 +1,14 @@
+import { toCustomValuationDto } from "@pointup/core/contracts";
+import { NextResponse } from "next/server";
+
+import { getContainer } from "@/server/container";
+import { withAuthenticatedUser } from "@/server/http";
+
+/** List the caller's custom cents-per-point overrides. */
+export function GET() {
+  return withAuthenticatedUser(async (userId) => {
+    const valuations =
+      await getContainer().useCases.listCustomValuations.execute(userId);
+    return NextResponse.json(valuations.map(toCustomValuationDto));
+  });
+}

apps/web/src/server/container.ts

@@ -13,6 +13,10 @@ import {
   DrizzleTripGoalRepository,
   BedrockAssistant,
   BulkUpdateMembershipNumbers,
+  DeleteCustomValuation,
+  DrizzleCustomValuationRepository,
+  ListCustomValuations,
+  SetCustomValuation,
   ExportPortfolio,
   FirecrawlPageScraper,
   GetBalanceHistory,
@@ -88,6 +92,9 @@ export interface Container {
     getPublicPortfolioSnapshot: GetPublicPortfolioSnapshot;
     chatWithAssistant: ChatWithAssistant;
     getValueAdvice: GetValueAdvice;
+    listCustomValuations: ListCustomValuations;
+    setCustomValuation: SetCustomValuation;
+    deleteCustomValuation: DeleteCustomValuation;
     ingestDealPage: IngestDealPage;
     syncLoyaltyAccount: SyncLoyaltyAccount;
     syncAllLoyaltyAccounts: SyncAllLoyaltyAccounts;
@@ -142,6 +149,7 @@ function buildContainer(): Container {
   const activity = new DrizzleActivityEventRepository(db);
   const tripGoals = new DrizzleTripGoalRepository(db);
   const shares = new DrizzlePortfolioShareRepository(db);
+  const customValuations = new DrizzleCustomValuationRepository(db);
   const vault = buildVault();
   const gateway = new CompositeTravelProviderGateway([
     new SimulatedTravelProviderGateway(),
@@ -157,6 +165,8 @@ function buildContainer(): Container {
   const listLoyaltyAccounts = new ListLoyaltyAccounts(
     loyaltyAccounts,
     balanceSnapshots,
+    undefined,
+    customValuations,
   );
   const linkLoyaltyAccount = new LinkLoyaltyAccount(loyaltyAccounts, activity);
   const recordManualBalance = new RecordManualBalance(
@@ -185,6 +195,8 @@ function buildContainer(): Container {
       getLoyaltyAccount: new GetLoyaltyAccount(
         loyaltyAccounts,
         balanceSnapshots,
+        undefined,
+        customValuations,
       ),
       linkLoyaltyAccount,
       updateLoyaltyAccount,
@@ -241,6 +253,9 @@ function buildContainer(): Container {
         llm,
       ),
       getValueAdvice: new GetValueAdvice(listLoyaltyAccounts),
+      listCustomValuations: new ListCustomValuations(customValuations),
+      setCustomValuation: new SetCustomValuation(customValuations),
+      deleteCustomValuation: new DeleteCustomValuation(customValuations),
       ingestDealPage: new IngestDealPage(scraper),
       syncLoyaltyAccount,
       syncAllLoyaltyAccounts: new SyncAllLoyaltyAccounts(

docs/api.md

@@ -21,6 +21,7 @@ Every surface — web app, mobile, browser extension — talks to the same versi
 | `INVALID_REQUEST` | 400 | Request body/query failed schema validation |
 | `PROVIDER_NOT_SUPPORTED` | 422 | Provider id is not in the catalog |
 | `INVALID_MEMBERSHIP_NUMBER` | 422 | Membership number is blank |
+| `INVALID_VALUATION` | 422 | Custom cents-per-point is ≤ 0 or > 100 |
 | `INVALID_BALANCE` | 422 | Points value is negative or fractional |
 | `INVALID_CAPTURE_TIME` | 422 | Capture timestamp is malformed or in the future |
 | `INVALID_GOAL_TITLE` | 422 | Goal title/notes failed validation |
@@ -274,6 +275,26 @@ Response:
 
 Unlink the account. Balance history cascades at the database layer. Returns `204` with no body.
 
+### `GET /api/v1/valuations`
+
+List the caller's custom cents-per-point overrides. Each account's `estimatedValueCents` (and the `customCentsPerPoint` field) reflects the override when one is set; portfolio summary, digests, and alerts all use it.
+
+```json
+[ { "providerId": "chase-ultimate-rewards", "centsPerPoint": 2.05, "updatedAt": "2026-07-09T14:03:00.000Z" } ]
+```
+
+### `PUT /api/v1/valuations/{providerId}`
+
+Set (or replace) a provider's cents-per-point override (`0 < v ≤ 100`). Returns the saved valuation.
+
+```json
+{ "centsPerPoint": 2.05 }
+```
+
+### `DELETE /api/v1/valuations/{providerId}`
+
+Clear the override, reverting the provider to its editorial valuation. Returns `204`.
+
 ### `GET /api/v1/loyalty-accounts/{id}/balances`
 
 Balance history, newest first. Query parameter `limit` (1–365, default 50).

packages/api-client/src/index.ts

@@ -2,6 +2,8 @@ import type {
   ActivityEventDto,
   BulkUpdateMembershipRequest,
   BulkUpdateMembershipResultDto,
+  CustomValuationDto,
+  SetCustomValuationRequest,
   ApiError,
   ChatAssistantRequest,
   ChatAssistantResponse,
@@ -118,6 +120,28 @@ export class PointUpClient {
     return this.request("PATCH", "/api/v1/loyalty-accounts", body);
   }
 
+  listCustomValuations(): Promise<CustomValuationDto[]> {
+    return this.request("GET", "/api/v1/valuations");
+  }
+
+  setCustomValuation(
+    providerId: string,
+    body: SetCustomValuationRequest,
+  ): Promise<CustomValuationDto> {
+    return this.request(
+      "PUT",
+      `/api/v1/valuations/${encodeURIComponent(providerId)}`,
+      body,
+    );
+  }
+
+  deleteCustomValuation(providerId: string): Promise<void> {
+    return this.request(
+      "DELETE",
+      `/api/v1/valuations/${encodeURIComponent(providerId)}`,
+    );
+  }
+
   /** Balance history, newest first (default 50, max 365 entries). */
   getBalanceHistory(accountId: string, limit?: number): Promise<BalanceDto[]> {
     const query = limit !== undefined ? `?limit=${limit}` : "";

packages/core/drizzle/0005_nice_rage.sql

@@ -0,0 +1,7 @@
+CREATE TABLE "user_provider_valuation" (
+	"user_id" varchar(255) NOT NULL,
+	"provider_id" varchar(64) NOT NULL,
+	"cents_per_point_milli" integer NOT NULL,
+	"updated_at" timestamp with time zone NOT NULL,
+	CONSTRAINT "user_provider_valuation_user_id_provider_id_pk" PRIMARY KEY("user_id","provider_id")
+);