feat(finance): add settlement currency and cycle fx rates

2026-03-31 17:14:03 +00:00 · 2026-03-10 16:46:59 +04:00
parent 4c0508f618
commit fb85219409
38 changed files with 3546 additions and 114 deletions
--- a/packages/application/src/finance-command-service.test.ts
+++ b/packages/application/src/finance-command-service.test.ts
@@ -2,24 +2,27 @@ import { describe, expect, test } from 'bun:test'

 import { instantFromIso, type Instant } from '@household/domain'
 import type {
+  ExchangeRateProvider,
+  FinanceCycleExchangeRateRecord,
  FinanceCycleRecord,
  FinanceMemberRecord,
  FinanceParsedPurchaseRecord,
  FinanceRentRuleRecord,
  FinanceRepository,
+  HouseholdConfigurationRepository,
  SettlementSnapshotRecord
 } from '@household/ports'

 import { createFinanceCommandService } from './finance-command-service'

 class FinanceRepositoryStub implements FinanceRepository {
+  householdId = 'household-1'
  member: FinanceMemberRecord | null = null
  members: readonly FinanceMemberRecord[] = []
  openCycleRecord: FinanceCycleRecord | null = null
  cycleByPeriodRecord: FinanceCycleRecord | null = null
  latestCycleRecord: FinanceCycleRecord | null = null
  rentRule: FinanceRentRuleRecord | null = null
-  utilityTotal: bigint = 0n
  purchases: readonly FinanceParsedPurchaseRecord[] = []
  utilityBills: readonly {
    id: string
@@ -29,13 +32,11 @@ class FinanceRepositoryStub implements FinanceRepository {
    createdByMemberId: string | null
    createdAt: Instant
  }[] = []
-
  lastSavedRentRule: {
    period: string
    amountMinor: bigint
    currency: 'USD' | 'GEL'
  } | null = null
-
  lastUtilityBill: {
    cycleId: string
    billName: string
@@ -43,8 +44,8 @@ class FinanceRepositoryStub implements FinanceRepository {
    currency: 'USD' | 'GEL'
    createdByMemberId: string
  } | null = null
-
  replacedSnapshot: SettlementSnapshotRecord | null = null
+  cycleExchangeRates = new Map<string, FinanceCycleExchangeRateRecord>()

  async getMemberByTelegramUserId(): Promise<FinanceMemberRecord | null> {
    return this.member
@@ -84,6 +85,24 @@ class FinanceRepositoryStub implements FinanceRepository {
    }
  }

+  async getCycleExchangeRate(
+    cycleId: string,
+    sourceCurrency: 'USD' | 'GEL',
+    targetCurrency: 'USD' | 'GEL'
+  ): Promise<FinanceCycleExchangeRateRecord | null> {
+    return this.cycleExchangeRates.get(`${cycleId}:${sourceCurrency}:${targetCurrency}`) ?? null
+  }
+
+  async saveCycleExchangeRate(
+    input: FinanceCycleExchangeRateRecord
+  ): Promise<FinanceCycleExchangeRateRecord> {
+    this.cycleExchangeRates.set(
+      `${input.cycleId}:${input.sourceCurrency}:${input.targetCurrency}`,
+      input
+    )
+    return input
+  }
+
  async addUtilityBill(input: {
    cycleId: string
    billName: string
@@ -99,7 +118,7 @@ class FinanceRepositoryStub implements FinanceRepository {
  }

  async getUtilityTotalForCycle(): Promise<bigint> {
-    return this.utilityTotal
+    return this.utilityBills.reduce((sum, bill) => sum + bill.amountMinor, 0n)
  }

  async listUtilityBillsForCycle() {
@@ -115,16 +134,76 @@ class FinanceRepositoryStub implements FinanceRepository {
  }
 }

+const householdConfigurationRepository: Pick<
+  HouseholdConfigurationRepository,
+  'getHouseholdBillingSettings'
+> = {
+  async getHouseholdBillingSettings(householdId) {
+    return {
+      householdId,
+      settlementCurrency: 'GEL',
+      rentAmountMinor: 70000n,
+      rentCurrency: 'USD',
+      rentDueDay: 20,
+      rentWarningDay: 17,
+      utilitiesDueDay: 4,
+      utilitiesReminderDay: 3,
+      timezone: 'Asia/Tbilisi'
+    }
+  }
+}
+
+const exchangeRateProvider: ExchangeRateProvider = {
+  async getRate(input) {
+    if (input.baseCurrency === input.quoteCurrency) {
+      return {
+        baseCurrency: input.baseCurrency,
+        quoteCurrency: input.quoteCurrency,
+        rateMicros: 1_000_000n,
+        effectiveDate: input.effectiveDate,
+        source: 'nbg'
+      }
+    }
+
+    if (input.baseCurrency === 'USD' && input.quoteCurrency === 'GEL') {
+      return {
+        baseCurrency: 'USD',
+        quoteCurrency: 'GEL',
+        rateMicros: 2_700_000n,
+        effectiveDate: input.effectiveDate,
+        source: 'nbg'
+      }
+    }
+
+    return {
+      baseCurrency: input.baseCurrency,
+      quoteCurrency: input.quoteCurrency,
+      rateMicros: 370_370n,
+      effectiveDate: input.effectiveDate,
+      source: 'nbg'
+    }
+  }
+}
+
+function createService(repository: FinanceRepositoryStub) {
+  return createFinanceCommandService({
+    householdId: repository.householdId,
+    repository,
+    householdConfigurationRepository,
+    exchangeRateProvider
+  })
+}
+
 describe('createFinanceCommandService', () => {
  test('setRent falls back to the open cycle period when one is active', async () => {
    const repository = new FinanceRepositoryStub()
    repository.openCycleRecord = {
      id: 'cycle-1',
      period: '2026-03',
-      currency: 'USD'
+      currency: 'GEL'
    }

-    const service = createFinanceCommandService(repository)
+    const service = createService(repository)
    const result = await service.setRent('700', undefined, undefined)

    expect(result).not.toBeNull()
@@ -143,12 +222,12 @@ describe('createFinanceCommandService', () => {
    repository.openCycleRecord = {
      id: 'cycle-1',
      period: '2026-03',
-      currency: 'USD'
+      currency: 'GEL'
    }
    repository.latestCycleRecord = {
      id: 'cycle-0',
      period: '2026-02',
-      currency: 'USD'
+      currency: 'GEL'
    }
    repository.rentRule = {
      amountMinor: 70000n,
@@ -159,20 +238,20 @@ describe('createFinanceCommandService', () => {
        id: 'utility-1',
        billName: 'Electricity',
        amountMinor: 12000n,
-        currency: 'USD',
+        currency: 'GEL',
        createdByMemberId: 'alice',
        createdAt: instantFromIso('2026-03-12T12:00:00.000Z')
      }
    ]

-    const service = createFinanceCommandService(repository)
+    const service = createService(repository)
    const result = await service.getAdminCycleState()

    expect(result).toEqual({
      cycle: {
        id: 'cycle-1',
        period: '2026-03',
-        currency: 'USD'
+        currency: 'GEL'
      },
      rentRule: {
        amountMinor: 70000n,
@@ -184,9 +263,9 @@ describe('createFinanceCommandService', () => {
          billName: 'Electricity',
          amount: expect.objectContaining({
            amountMinor: 12000n,
-            currency: 'USD'
+            currency: 'GEL'
          }),
-          currency: 'USD',
+          currency: 'GEL',
          createdByMemberId: 'alice',
          createdAt: instantFromIso('2026-03-12T12:00:00.000Z')
        }
@@ -196,7 +275,7 @@ describe('createFinanceCommandService', () => {

  test('addUtilityBill returns null when no open cycle exists', async () => {
    const repository = new FinanceRepositoryStub()
-    const service = createFinanceCommandService(repository)
+    const service = createService(repository)

    const result = await service.addUtilityBill('Electricity', '55.20', 'member-1')

@@ -204,12 +283,12 @@ describe('createFinanceCommandService', () => {
    expect(repository.lastUtilityBill).toBeNull()
  })

-  test('generateStatement persists settlement snapshot and returns member lines', async () => {
+  test('generateStatement settles into cycle currency and persists snapshot', async () => {
    const repository = new FinanceRepositoryStub()
    repository.latestCycleRecord = {
      id: 'cycle-2026-03',
      period: '2026-03',
-      currency: 'USD'
+      currency: 'GEL'
    }
    repository.members = [
      {
@@ -231,13 +310,12 @@ describe('createFinanceCommandService', () => {
      amountMinor: 70000n,
      currency: 'USD'
    }
-    repository.utilityTotal = 12000n
    repository.utilityBills = [
      {
        id: 'utility-1',
        billName: 'Electricity',
        amountMinor: 12000n,
-        currency: 'USD',
+        currency: 'GEL',
        createdByMemberId: 'alice',
        createdAt: instantFromIso('2026-03-12T12:00:00.000Z')
      }
@@ -253,29 +331,34 @@ describe('createFinanceCommandService', () => {
      }
    ]

-    const service = createFinanceCommandService(repository)
+    const service = createService(repository)
    const dashboard = await service.generateDashboard()
    const statement = await service.generateStatement()

    expect(dashboard).not.toBeNull()
-    expect(dashboard?.members.map((line) => line.netDue.amountMinor)).toEqual([39500n, 42500n])
+    expect(dashboard?.currency).toBe('GEL')
+    expect(dashboard?.rentSourceAmount.toMajorString()).toBe('700.00')
+    expect(dashboard?.rentDisplayAmount.toMajorString()).toBe('1890.00')
+    expect(dashboard?.members.map((line) => line.netDue.amountMinor)).toEqual([99000n, 102000n])
    expect(dashboard?.ledger.map((entry) => entry.title)).toEqual(['Soap', 'Electricity'])
-    expect(dashboard?.ledger.map((entry) => entry.currency)).toEqual(['GEL', 'USD'])
+    expect(dashboard?.ledger.map((entry) => entry.currency)).toEqual(['GEL', 'GEL'])
+    expect(dashboard?.ledger.map((entry) => entry.displayCurrency)).toEqual(['GEL', 'GEL'])
    expect(statement).toBe(
      [
        'Statement for 2026-03',
-        '- Alice: 395.00 USD',
-        '- Bob: 425.00 USD',
-        'Total: 820.00 USD'
+        'Rent: 700.00 USD (~1890.00 GEL)',
+        '- Alice: 990.00 GEL',
+        '- Bob: 1020.00 GEL',
+        'Total: 2010.00 GEL'
      ].join('\n')
    )
    expect(repository.replacedSnapshot).not.toBeNull()
    expect(repository.replacedSnapshot?.cycleId).toBe('cycle-2026-03')
-    expect(repository.replacedSnapshot?.currency).toBe('USD')
-    expect(repository.replacedSnapshot?.totalDueMinor).toBe(82000n)
+    expect(repository.replacedSnapshot?.currency).toBe('GEL')
+    expect(repository.replacedSnapshot?.totalDueMinor).toBe(201000n)
    expect(repository.replacedSnapshot?.lines.map((line) => line.netDueMinor)).toEqual([
-      39500n,
-      42500n
+      99000n,
+      102000n
    ])
  })
 })
--- a/packages/application/src/finance-command-service.ts
+++ b/packages/application/src/finance-command-service.ts
@@ -1,10 +1,12 @@
 import { createHash } from 'node:crypto'

 import type {
+  ExchangeRateProvider,
  FinanceCycleRecord,
  FinanceMemberRecord,
  FinanceRentRuleRecord,
-  FinanceRepository
+  FinanceRepository,
+  HouseholdConfigurationRepository
 } from '@household/ports'
 import {
  BillingCycleId,
@@ -13,6 +15,7 @@ import {
  Money,
  PurchaseEntryId,
  Temporal,
+  convertMoney,
  nowInstant,
  type CurrencyCode
 } from '@household/domain'
@@ -57,6 +60,25 @@ async function getCycleByPeriodOrLatest(
  return repository.getLatestCycle()
 }

+function billingPeriodLockDate(period: BillingPeriod, day: number): Temporal.PlainDate {
+  const firstDay = Temporal.PlainDate.from({
+    year: period.year,
+    month: period.month,
+    day: 1
+  })
+  const clampedDay = Math.min(day, firstDay.daysInMonth)
+
+  return Temporal.PlainDate.from({
+    year: period.year,
+    month: period.month,
+    day: clampedDay
+  })
+}
+
+function localDateInTimezone(timezone: string): Temporal.PlainDate {
+  return nowInstant().toZonedDateTimeISO(timezone).toPlainDate()
+}
+
 export interface FinanceDashboardMemberLine {
  memberId: string
  displayName: string
@@ -73,6 +95,10 @@ export interface FinanceDashboardLedgerEntry {
  title: string
  amount: Money
  currency: CurrencyCode
+  displayAmount: Money
+  displayCurrency: CurrencyCode
+  fxRateMicros: bigint | null
+  fxEffectiveDate: string | null
  actorDisplayName: string | null
  occurredAt: string | null
 }
@@ -81,6 +107,10 @@ export interface FinanceDashboard {
  period: string
  currency: CurrencyCode
  totalDue: Money
+  rentSourceAmount: Money
+  rentDisplayAmount: Money
+  rentFxRateMicros: bigint | null
+  rentFxEffectiveDate: string | null
  members: readonly FinanceDashboardMemberLine[]
  ledger: readonly FinanceDashboardLedgerEntry[]
 }
@@ -98,63 +128,204 @@ export interface FinanceAdminCycleState {
  }[]
 }

+interface FinanceCommandServiceDependencies {
+  householdId: string
+  repository: FinanceRepository
+  householdConfigurationRepository: Pick<
+    HouseholdConfigurationRepository,
+    'getHouseholdBillingSettings'
+  >
+  exchangeRateProvider: ExchangeRateProvider
+}
+
+interface ConvertedCycleMoney {
+  originalAmount: Money
+  settlementAmount: Money
+  fxRateMicros: bigint | null
+  fxEffectiveDate: string | null
+}
+
+async function convertIntoCycleCurrency(
+  dependencies: FinanceCommandServiceDependencies,
+  input: {
+    cycle: FinanceCycleRecord
+    period: BillingPeriod
+    lockDay: number
+    timezone: string
+    amount: Money
+  }
+): Promise<ConvertedCycleMoney> {
+  if (input.amount.currency === input.cycle.currency) {
+    return {
+      originalAmount: input.amount,
+      settlementAmount: input.amount,
+      fxRateMicros: null,
+      fxEffectiveDate: null
+    }
+  }
+
+  const existingRate = await dependencies.repository.getCycleExchangeRate(
+    input.cycle.id,
+    input.amount.currency,
+    input.cycle.currency
+  )
+
+  if (existingRate) {
+    return {
+      originalAmount: input.amount,
+      settlementAmount: convertMoney(input.amount, input.cycle.currency, existingRate.rateMicros),
+      fxRateMicros: existingRate.rateMicros,
+      fxEffectiveDate: existingRate.effectiveDate
+    }
+  }
+
+  const lockDate = billingPeriodLockDate(input.period, input.lockDay)
+  const currentLocalDate = localDateInTimezone(input.timezone)
+  const shouldPersist = Temporal.PlainDate.compare(currentLocalDate, lockDate) >= 0
+  const quote = await dependencies.exchangeRateProvider.getRate({
+    baseCurrency: input.amount.currency,
+    quoteCurrency: input.cycle.currency,
+    effectiveDate: lockDate.toString()
+  })
+
+  if (shouldPersist) {
+    await dependencies.repository.saveCycleExchangeRate({
+      cycleId: input.cycle.id,
+      sourceCurrency: quote.baseCurrency,
+      targetCurrency: quote.quoteCurrency,
+      rateMicros: quote.rateMicros,
+      effectiveDate: quote.effectiveDate,
+      source: quote.source
+    })
+  }
+
+  return {
+    originalAmount: input.amount,
+    settlementAmount: convertMoney(input.amount, input.cycle.currency, quote.rateMicros),
+    fxRateMicros: quote.rateMicros,
+    fxEffectiveDate: quote.effectiveDate
+  }
+}
+
 async function buildFinanceDashboard(
-  repository: FinanceRepository,
+  dependencies: FinanceCommandServiceDependencies,
  periodArg?: string
 ): Promise<FinanceDashboard | null> {
-  const cycle = await getCycleByPeriodOrLatest(repository, periodArg)
+  const cycle = await getCycleByPeriodOrLatest(dependencies.repository, periodArg)
  if (!cycle) {
    return null
  }

-  const members = await repository.listMembers()
+  const [members, rentRule, settings] = await Promise.all([
+    dependencies.repository.listMembers(),
+    dependencies.repository.getRentRuleForPeriod(cycle.period),
+    dependencies.householdConfigurationRepository.getHouseholdBillingSettings(
+      dependencies.householdId
+    )
+  ])
+
  if (members.length === 0) {
    throw new Error('No household members configured')
  }

-  const rentRule = await repository.getRentRuleForPeriod(cycle.period)
  if (!rentRule) {
    throw new Error('No rent rule configured for this cycle period')
  }

  const period = BillingPeriod.fromString(cycle.period)
  const { start, end } = monthRange(period)
-  const purchases = await repository.listParsedPurchasesForRange(start, end)
-  const utilityBills = await repository.listUtilityBillsForCycle(cycle.id)
-  const utilitiesMinor = await repository.getUtilityTotalForCycle(cycle.id)
+  const [purchases, utilityBills] = await Promise.all([
+    dependencies.repository.listParsedPurchasesForRange(start, end),
+    dependencies.repository.listUtilityBillsForCycle(cycle.id)
+  ])
+
+  const convertedRent = await convertIntoCycleCurrency(dependencies, {
+    cycle,
+    period,
+    lockDay: settings.rentWarningDay,
+    timezone: settings.timezone,
+    amount: Money.fromMinor(rentRule.amountMinor, rentRule.currency)
+  })
+
+  const convertedUtilityBills = await Promise.all(
+    utilityBills.map(async (bill) => {
+      const converted = await convertIntoCycleCurrency(dependencies, {
+        cycle,
+        period,
+        lockDay: settings.utilitiesReminderDay,
+        timezone: settings.timezone,
+        amount: Money.fromMinor(bill.amountMinor, bill.currency)
+      })
+
+      return {
+        bill,
+        converted
+      }
+    })
+  )
+
+  const convertedPurchases = await Promise.all(
+    purchases.map(async (purchase) => {
+      const converted = await convertIntoCycleCurrency(dependencies, {
+        cycle,
+        period,
+        lockDay: settings.rentWarningDay,
+        timezone: settings.timezone,
+        amount: Money.fromMinor(purchase.amountMinor, purchase.currency)
+      })
+
+      return {
+        purchase,
+        converted
+      }
+    })
+  )
+
+  const utilities = convertedUtilityBills.reduce(
+    (sum, current) => sum.add(current.converted.settlementAmount),
+    Money.zero(cycle.currency)
+  )

  const settlement = calculateMonthlySettlement({
    cycleId: BillingCycleId.from(cycle.id),
    period,
-    rent: Money.fromMinor(rentRule.amountMinor, rentRule.currency),
-    utilities: Money.fromMinor(utilitiesMinor, rentRule.currency),
+    rent: convertedRent.settlementAmount,
+    utilities,
    utilitySplitMode: 'equal',
    members: members.map((member) => ({
      memberId: MemberId.from(member.id),
      active: true,
      rentWeight: member.rentShareWeight
    })),
-    purchases: purchases.map((purchase) => ({
+    purchases: convertedPurchases.map(({ purchase, converted }) => ({
      purchaseId: PurchaseEntryId.from(purchase.id),
      payerId: MemberId.from(purchase.payerMemberId),
-      amount: Money.fromMinor(purchase.amountMinor, rentRule.currency)
+      amount: converted.settlementAmount
    }))
  })

-  await repository.replaceSettlementSnapshot({
+  await dependencies.repository.replaceSettlementSnapshot({
    cycleId: cycle.id,
    inputHash: computeInputHash({
      cycleId: cycle.id,
-      rentMinor: rentRule.amountMinor.toString(),
-      utilitiesMinor: utilitiesMinor.toString(),
-      purchaseCount: purchases.length,
+      rentMinor: convertedRent.settlementAmount.amountMinor.toString(),
+      utilitiesMinor: utilities.amountMinor.toString(),
+      purchaseMinors: convertedPurchases.map(({ purchase, converted }) => ({
+        id: purchase.id,
+        minor: converted.settlementAmount.amountMinor.toString(),
+        currency: converted.settlementAmount.currency
+      })),
      memberCount: members.length
    }),
    totalDueMinor: settlement.totalDue.amountMinor,
-    currency: rentRule.currency,
+    currency: cycle.currency,
    metadata: {
      generatedBy: 'bot-command',
-      source: 'finance-service'
+      source: 'finance-service',
+      rentSourceMinor: convertedRent.originalAmount.amountMinor.toString(),
+      rentSourceCurrency: convertedRent.originalAmount.currency,
+      rentFxRateMicros: convertedRent.fxRateMicros?.toString() ?? null,
+      rentFxEffectiveDate: convertedRent.fxEffectiveDate
    },
    lines: settlement.lines.map((line) => ({
      memberId: line.memberId.toString(),
@@ -178,23 +349,31 @@ async function buildFinanceDashboard(
  }))

  const ledger: FinanceDashboardLedgerEntry[] = [
-    ...utilityBills.map((bill) => ({
+    ...convertedUtilityBills.map(({ bill, converted }) => ({
      id: bill.id,
      kind: 'utility' as const,
      title: bill.billName,
-      amount: Money.fromMinor(bill.amountMinor, bill.currency),
+      amount: converted.originalAmount,
      currency: bill.currency,
+      displayAmount: converted.settlementAmount,
+      displayCurrency: cycle.currency,
+      fxRateMicros: converted.fxRateMicros,
+      fxEffectiveDate: converted.fxEffectiveDate,
      actorDisplayName: bill.createdByMemberId
        ? (memberNameById.get(bill.createdByMemberId) ?? null)
        : null,
      occurredAt: bill.createdAt.toString()
    })),
-    ...purchases.map((purchase) => ({
+    ...convertedPurchases.map(({ purchase, converted }) => ({
      id: purchase.id,
      kind: 'purchase' as const,
      title: purchase.description ?? 'Shared purchase',
-      amount: Money.fromMinor(purchase.amountMinor, purchase.currency),
+      amount: converted.originalAmount,
      currency: purchase.currency,
+      displayAmount: converted.settlementAmount,
+      displayCurrency: cycle.currency,
+      fxRateMicros: converted.fxRateMicros,
+      fxEffectiveDate: converted.fxEffectiveDate,
      actorDisplayName: memberNameById.get(purchase.payerMemberId) ?? null,
      occurredAt: purchase.occurredAt?.toString() ?? null
    }))
@@ -208,8 +387,12 @@ async function buildFinanceDashboard(

  return {
    period: cycle.period,
-    currency: rentRule.currency,
+    currency: cycle.currency,
    totalDue: settlement.totalDue,
+    rentSourceAmount: convertedRent.originalAmount,
+    rentDisplayAmount: convertedRent.settlementAmount,
+    rentFxRateMicros: convertedRent.fxRateMicros,
+    rentFxEffectiveDate: convertedRent.fxEffectiveDate,
    members: dashboardMembers,
    ledger
  }
@@ -244,7 +427,11 @@ export interface FinanceCommandService {
  generateStatement(periodArg?: string): Promise<string | null>
 }

-export function createFinanceCommandService(repository: FinanceRepository): FinanceCommandService {
+export function createFinanceCommandService(
+  dependencies: FinanceCommandServiceDependencies
+): FinanceCommandService {
+  const { repository, householdConfigurationRepository } = dependencies
+
  return {
    getMemberByTelegramUserId(telegramUserId) {
      return repository.getMemberByTelegramUserId(telegramUserId)
@@ -288,7 +475,10 @@ export function createFinanceCommandService(repository: FinanceRepository): Fina

    async openCycle(periodArg, currencyArg) {
      const period = BillingPeriod.fromString(periodArg).toString()
-      const currency = parseCurrency(currencyArg, 'USD')
+      const settings = await householdConfigurationRepository.getHouseholdBillingSettings(
+        dependencies.householdId
+      )
+      const currency = parseCurrency(currencyArg, settings.settlementCurrency)

      await repository.openCycle(period, currency)

@@ -311,13 +501,16 @@ export function createFinanceCommandService(repository: FinanceRepository): Fina
    },

    async setRent(amountArg, currencyArg, periodArg) {
-      const openCycle = await repository.getOpenCycle()
+      const [openCycle, settings] = await Promise.all([
+        repository.getOpenCycle(),
+        householdConfigurationRepository.getHouseholdBillingSettings(dependencies.householdId)
+      ])
      const period = periodArg ?? openCycle?.period
      if (!period) {
        return null
      }

-      const currency = parseCurrency(currencyArg, openCycle?.currency ?? 'USD')
+      const currency = parseCurrency(currencyArg, settings.rentCurrency)
      const amount = Money.fromMajor(amountArg, currency)

      await repository.saveRentRule(
@@ -334,12 +527,15 @@ export function createFinanceCommandService(repository: FinanceRepository): Fina
    },

    async addUtilityBill(billName, amountArg, createdByMemberId, currencyArg) {
-      const openCycle = await repository.getOpenCycle()
+      const [openCycle, settings] = await Promise.all([
+        repository.getOpenCycle(),
+        householdConfigurationRepository.getHouseholdBillingSettings(dependencies.householdId)
+      ])
      if (!openCycle) {
        return null
      }

-      const currency = parseCurrency(currencyArg, openCycle.currency)
+      const currency = parseCurrency(currencyArg, settings.settlementCurrency)
      const amount = Money.fromMajor(amountArg, currency)

      await repository.addUtilityBill({
@@ -358,7 +554,7 @@ export function createFinanceCommandService(repository: FinanceRepository): Fina
    },

    async generateStatement(periodArg) {
-      const dashboard = await buildFinanceDashboard(repository, periodArg)
+      const dashboard = await buildFinanceDashboard(dependencies, periodArg)
      if (!dashboard) {
        return null
      }
@@ -367,15 +563,21 @@ export function createFinanceCommandService(repository: FinanceRepository): Fina
        return `- ${line.displayName}: ${line.netDue.toMajorString()} ${dashboard.currency}`
      })

+      const rentLine =
+        dashboard.rentSourceAmount.currency === dashboard.rentDisplayAmount.currency
+          ? `Rent: ${dashboard.rentDisplayAmount.toMajorString()} ${dashboard.currency}`
+          : `Rent: ${dashboard.rentSourceAmount.toMajorString()} ${dashboard.rentSourceAmount.currency} (~${dashboard.rentDisplayAmount.toMajorString()} ${dashboard.currency})`
+
      return [
        `Statement for ${dashboard.period}`,
+        rentLine,
        ...statementLines,
        `Total: ${dashboard.totalDue.toMajorString()} ${dashboard.currency}`
      ].join('\n')
    },

    generateDashboard(periodArg) {
-      return buildFinanceDashboard(repository, periodArg)
+      return buildFinanceDashboard(dependencies, periodArg)
    }
  }
 }
--- a/packages/application/src/household-admin-service.test.ts
+++ b/packages/application/src/household-admin-service.test.ts
@@ -143,6 +143,7 @@ function createRepositoryStub() {
    },
    getHouseholdBillingSettings: async (householdId) => ({
      householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: null,
      rentCurrency: 'USD',
      rentDueDay: 20,
@@ -153,6 +154,7 @@ function createRepositoryStub() {
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: input.rentAmountMinor ?? null,
      rentCurrency: input.rentCurrency ?? 'USD',
      rentDueDay: input.rentDueDay ?? 20,
--- a/packages/application/src/household-onboarding-service.test.ts
+++ b/packages/application/src/household-onboarding-service.test.ts
@@ -156,6 +156,7 @@ function createRepositoryStub() {
    async getHouseholdBillingSettings(householdId) {
      return {
        householdId,
+        settlementCurrency: 'GEL',
        rentAmountMinor: null,
        rentCurrency: 'USD',
        rentDueDay: 20,
@@ -168,6 +169,7 @@ function createRepositoryStub() {
    async updateHouseholdBillingSettings(input) {
      return {
        householdId: input.householdId,
+        settlementCurrency: 'GEL',
        rentAmountMinor: input.rentAmountMinor ?? null,
        rentCurrency: input.rentCurrency ?? 'USD',
        rentDueDay: input.rentDueDay ?? 20,
--- a/packages/application/src/household-setup-service.test.ts
+++ b/packages/application/src/household-setup-service.test.ts
@@ -250,6 +250,7 @@ function createRepositoryStub() {
    async getHouseholdBillingSettings(householdId) {
      return {
        householdId,
+        settlementCurrency: 'GEL',
        rentAmountMinor: null,
        rentCurrency: 'USD',
        rentDueDay: 20,
@@ -262,6 +263,7 @@ function createRepositoryStub() {
    async updateHouseholdBillingSettings(input) {
      return {
        householdId: input.householdId,
+        settlementCurrency: 'GEL',
        rentAmountMinor: input.rentAmountMinor ?? null,
        rentCurrency: input.rentCurrency ?? 'USD',
        rentDueDay: input.rentDueDay ?? 20,
--- a/packages/application/src/locale-preference-service.test.ts
+++ b/packages/application/src/locale-preference-service.test.ts
@@ -78,6 +78,7 @@ function createRepository(): HouseholdConfigurationRepository {
        : null,
    getHouseholdBillingSettings: async (householdId) => ({
      householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: null,
      rentCurrency: 'USD',
      rentDueDay: 20,
@@ -88,6 +89,7 @@ function createRepository(): HouseholdConfigurationRepository {
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: input.rentAmountMinor ?? null,
      rentCurrency: input.rentCurrency ?? 'USD',
      rentDueDay: input.rentDueDay ?? 20,
--- a/packages/application/src/miniapp-admin-service.test.ts
+++ b/packages/application/src/miniapp-admin-service.test.ts
@@ -108,6 +108,7 @@ function repository(): HouseholdConfigurationRepository {
        : null,
    getHouseholdBillingSettings: async (householdId) => ({
      householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: null,
      rentCurrency: 'USD',
      rentDueDay: 20,
@@ -118,6 +119,7 @@ function repository(): HouseholdConfigurationRepository {
    }),
    updateHouseholdBillingSettings: async (input) => ({
      householdId: input.householdId,
+      settlementCurrency: 'GEL',
      rentAmountMinor: input.rentAmountMinor ?? null,
      rentCurrency: input.rentCurrency ?? 'USD',
      rentDueDay: input.rentDueDay ?? 20,
@@ -177,6 +179,7 @@ describe('createMiniAppAdminService', () => {
      status: 'ok',
      settings: {
        householdId: 'household-1',
+        settlementCurrency: 'GEL',
        rentAmountMinor: null,
        rentCurrency: 'USD',
        rentDueDay: 20,
@@ -209,6 +212,7 @@ describe('createMiniAppAdminService', () => {
      status: 'ok',
      settings: {
        householdId: 'household-1',
+        settlementCurrency: 'GEL',
        rentAmountMinor: 70000n,
        rentCurrency: 'USD',
        rentDueDay: 21,
--- a/packages/application/src/miniapp-admin-service.ts
+++ b/packages/application/src/miniapp-admin-service.ts
@@ -36,6 +36,7 @@ export interface MiniAppAdminService {
  updateSettings(input: {
    householdId: string
    actorIsAdmin: boolean
+    settlementCurrency?: string
    rentAmountMajor?: string
    rentCurrency?: string
    rentDueDay: number
@@ -176,6 +177,9 @@ export function createMiniAppAdminService(

      let rentAmountMinor: bigint | null | undefined
      let rentCurrency: CurrencyCode | undefined
+      const settlementCurrency = input.settlementCurrency
+        ? parseCurrency(input.settlementCurrency)
+        : undefined

      if (input.rentAmountMajor && input.rentAmountMajor.trim().length > 0) {
        rentCurrency = parseCurrency(input.rentCurrency ?? 'USD')
@@ -187,6 +191,11 @@ export function createMiniAppAdminService(

      const settings = await repository.updateHouseholdBillingSettings({
        householdId: input.householdId,
+        ...(settlementCurrency
+          ? {
+              settlementCurrency
+            }
+          : {}),
        ...(rentAmountMinor !== undefined
          ? {
              rentAmountMinor
--- a/packages/application/src/purchase-parser.ts
+++ b/packages/application/src/purchase-parser.ts
@@ -17,6 +17,7 @@ export interface ParsePurchaseInput {

 export interface ParsePurchaseOptions {
  llmFallback?: PurchaseParserLlmFallback
+  defaultCurrency?: 'GEL' | 'USD'
 }

 const CURRENCY_PATTERN = '(?:₾|gel|lari|лари|usd|\\$|доллар(?:а|ов)?)'
@@ -60,7 +61,10 @@ function normalizeDescription(rawText: string, matchedFragment: string): string
  return cleaned
 }

-function parseWithRules(rawText: string): ParsedPurchaseResult | null {
+function parseWithRules(
+  rawText: string,
+  defaultCurrency: 'GEL' | 'USD'
+): ParsedPurchaseResult | null {
  const matches = Array.from(rawText.matchAll(AMOUNT_WITH_OPTIONAL_CURRENCY))

  if (matches.length !== 1) {
@@ -76,7 +80,7 @@ function parseWithRules(rawText: string): ParsedPurchaseResult | null {
  const amountMinor = toMinorUnits(match.groups.amount)

  const explicitCurrency = currency !== null
-  const resolvedCurrency = currency ?? 'GEL'
+  const resolvedCurrency = currency ?? defaultCurrency
  const confidence = explicitCurrency ? 92 : 78

  return {
@@ -118,7 +122,7 @@ export async function parsePurchaseMessage(
    return null
  }

-  const rulesResult = parseWithRules(rawText)
+  const rulesResult = parseWithRules(rawText, options.defaultCurrency ?? 'GEL')
  if (rulesResult) {
    return rulesResult
  }