fin-daily-pulse

Financial Pulse — Daily Financial Snapshot

Daily routine that pulls data from Stripe, Omie and Evo Academy to generate an HTML snapshot of financial health.

Always respond in English.

Currency Conversion Rule (apply to every Stripe value)

All monetary values MUST be converted to BRL before summing or displaying as R$.

1. Fetch the USD-to-BRL exchange rate from https://api.exchangerate-api.com/v4/latest/USD (field rates.BRL).
   • If the API call fails, use fallback rate 5.75.
   • Log the rate used in the report (e.g., "USD/BRL: 5.7832" or "USD/BRL: 5.75 (fallback)").
2. For each Stripe item, read the currency field (lowercase ISO-4217, e.g. "usd", "brl", "idr").
   • brl: amount is in centavos — divide by 100, use as-is.
   • usd: divide by 100, then multiply by the USD-to-BRL rate.
   • Any other currency (e.g. idr, mxn, eur): exclude from BRL totals. Append a warning: WARNING: Skipped {currency} {amount/100} (customer {id}) — unsupported currency, manual review required.
3. Never add raw amounts of different currencies together. Convert first, then sum.

Step 1 — Collect Stripe data (silently)

Use the /int-stripe skill to fetch:

1a. MRR and Subscriptions

• List active subscriptions (status=active).
• For each subscription, read currency and plan.amount (centavos).
• Apply the Currency Conversion Rule above to convert each amount to BRL.
• Sum all converted amounts — Stripe MRR in BRL.
• Log currency breakdown (e.g., "195 subs: 116 BRL, 78 USD, 1 excluded IDR").
• Compare with previous data if available in workspace/finance/.

1b. Today's Charges

• List charges created today (created >= start of day UTC-3).
• For each charge, read currency and amount (centavos).
• Apply the Currency Conversion Rule to convert each charge to BRL.
• Sum converted succeeded amounts — today's revenue in BRL.
• Count charges with status=succeeded vs status=failed.
• Flag any single converted charge exceeding R$ 10,000 as potentially anomalous.

1c. Churn (last 30 days)

• Fetch Stripe events with type=customer.subscription.deleted, paginating ALL pages until has_more=false — never stop at the first page.
• Count unique canceled subscription IDs — churn count.
• Churn rate = canceled / (total active + canceled) * 100.
• Use this event-based method consistently every run.

1d. Refunds (last 7 days)

• List refunds from the last 7 days.
• Apply the Currency Conversion Rule to each refund before summing.
• Report total refunded in BRL.

1e. New customers (last 7 days)

• List customers created in the last 7 days.

Step 2 — Collect Omie data (silently)

Use the /int-omie skill to fetch:

2a. Overdue receivables

• Fetch receivables with due date before today and status "open"

2b. Payables (next 7 days)

• Fetch payables with due date in the next 7 days

2c. Invoices

• Fetch invoices pending issuance
• Count invoices issued in the current month

Step 2.5 — Collect Evo Academy data (silently)

Call the Evo Academy Analytics API directly:

• Base URL: $EVO_ACADEMY_BASE_URL (env var)
• Auth: Authorization: Bearer $EVO_ACADEMY_API_KEY

2.5a. Summary do dia

GET /api/v1/analytics/summary?period=today

Captura: revenue.total, orders.completed, orders.pending, orders.failed, subscriptions.active, students.new_in_period

2.5b. Orders completados hoje

GET /api/v1/analytics/orders?status=completed&created_after=YYYY-MM-DD&per_page=100

(today in BRT; convert to UTC: created_after = date.today().isoformat())

• Paginate until meta.has_more = false
• Sum amount of all orders — Evo Academy daily revenue
• Split by type: renewals (is_renewal=true) vs new (is_renewal=false)
• Group by product: courses, subscriptions, tickets, others

2.5c. MRR de assinaturas ativas (Evo Academy)

GET /api/v1/analytics/subscriptions?status=active&per_page=100

• Paginate until meta.has_more = false
• Sum plan.price of each active subscription — Evo Academy MRR

Step 3 — Day's transactions

Consolidate all financial transactions for the day:

• Stripe charges (revenue, already converted to BRL per the Currency Conversion Rule)
• Evo Academy orders (revenue — courses / subscriptions / tickets)
• Payments recorded in Omie (expenses)
• Refunds (converted to BRL)

Format each transaction with: type (Revenue/Expense/Refund), description, amount in BRL, status.

Total revenue = Stripe today (BRL) + Evo Academy today Total MRR = Stripe MRR (BRL) + Evo Academy MRR

Step 4 — Classify financial health

Define the health badge (CSS class):

• green "Healthy": MRR stable or growing, no significant delinquency, churn < 5%
• yellow "Warning": churn between 5-10%, or overdue accounts > R$ 1,000, or payment failures > 3
• red "Risk": churn > 10%, or overdue accounts > R$ 5,000, or MRR declining

Step 5 — Alerts

Generate list of financial alerts:

• Payment failures that need retry or follow-up
• Accounts overdue for more than 7 days
• Invoices that should have been issued
• Churn above normal levels
• Any anomalies in amounts
• Currencies excluded from totals (currency conversion warnings from Step 1)

If there are no alerts: "No financial alerts at this time."

Step 6 — Generate HTML

Read the template at .claude/templates/html/custom/financial-pulse.html and replace ALL {{PLACEHOLDER}} with the collected data.

For transactions (dynamic table):

<tr>
  <td><span class="badge green/red/yellow">Revenue/Expense/Refund</span></td>
  <td>Description</td>
  <td class="right">R$ X,XXX.XX</td>
  <td><span class="badge green/yellow">Confirmed/Pending</span></td>
</tr>

Values in Brazilian format: R$ 1.234,56

Step 7 — Save

Save the filled HTML to:

workspace/finance/reports/daily/[C] YYYY-MM-DD-financial-pulse.html

Create the directory workspace/finance/reports/daily/ if it does not exist.

Step 8 — Confirm

Output the completion summary in the terminal:

## Financial Pulse generated

**File:** workspace/finance/reports/daily/[C] YYYY-MM-DD-financial-pulse.html
**MRR total:** R$ X,XXX (Stripe: R$ X,XXX | Evo Academy: R$ X,XXX)
**Receita hoje:** R$ X,XXX | **Subscriptions:** N | **Churn:** X%
**USD/BRL rate:** X.XXXX (live) or 5.75 (fallback)
**Alerts:** {N} attention points

Do NOT send a Telegram message here — the caller handles notifications.