Initial pass at Plaid EU

.env.example

@@ -118,4 +118,7 @@ STRIPE_WEBHOOK_SECRET=
 #
 PLAID_CLIENT_ID=
 PLAID_SECRET=
-PLAID_ENV=
+PLAID_ENV=
+PLAID_EU_CLIENT_ID=
+PLAID_EU_SECRET=
+PLAID_EU_ENV=

app/controllers/concerns/accountable_resource.rb

@@ -47,7 +47,8 @@ def set_link_token
       @link_token = Current.family.get_link_token(
         webhooks_url: webhooks_url,
         redirect_url: accounts_url,
-        accountable_type: accountable_type.name
+        accountable_type: accountable_type.name,
+        region: Current.family.country.to_s.downcase == "us" ? :us : :eu
       )
     end
 

app/models/concerns/plaidable.rb

@@ -5,10 +5,18 @@ module Plaidable
     def plaid_provider
       Provider::Plaid.new if Rails.application.config.plaid
     end
+
+    def plaid_eu_provider
+      Provider::Plaid.new if Rails.application.config.plaid_eu
+    end
   end
 
   private
     def plaid_provider
       self.class.plaid_provider
     end
+
+    def plaid_eu_provider
+      self.class.plaid_eu_provider
+    end
 end

app/models/family.rb

@@ -45,14 +45,22 @@
     super || accounts.manual.any?(&:syncing?) || plaid_items.any?(&:syncing?)
   end
 
-  def get_link_token(webhooks_url:, redirect_url:, accountable_type: nil)
-    return nil unless plaid_provider
+  def get_link_token(webhooks_url:, redirect_url:, accountable_type: nil, region: :us)
+    provider = case region
+               when :eu
+                 self.class.plaid_eu_provider
+               else
+                 self.class.plaid_provider
+               end
 
-    plaid_provider.get_link_token(
+    return nil unless provider
+
+    provider.get_link_token(
       user_id: id,
       webhooks_url: webhooks_url,
       redirect_url: redirect_url,
-      accountable_type: accountable_type
+      accountable_type: accountable_type,
+      eu: region == :eu
     ).link_token
   end
 

app/models/provider/plaid.rb

@@ -68,13 +68,13 @@ def initialize
     @client = self.class.client
   end
 
-  def get_link_token(user_id:, webhooks_url:, redirect_url:, accountable_type: nil)
+  def get_link_token(user_id:, webhooks_url:, redirect_url:, accountable_type: nil, eu: false)
     request = Plaid::LinkTokenCreateRequest.new({
       user: { client_user_id: user_id },
       client_name: "Maybe Finance",
       products: [ get_primary_product(accountable_type) ],
       additional_consented_products: get_additional_consented_products(accountable_type),
-      country_codes: [ "US" ],
+      country_codes: get_country_codes(eu),
       language: "en",
       webhook: webhooks_url,
       redirect_uri: redirect_url,
@@ -198,4 +198,12 @@ def get_primary_product(accountable_type)
     def get_additional_consented_products(accountable_type)
       MAYBE_SUPPORTED_PLAID_PRODUCTS - [ get_primary_product(accountable_type) ]
     end
+
+    def get_country_codes(eu)
+      if eu
+        [ "ES", "NL", "FR", "IE", "DE", "IT", "PL", "DK", "NO", "SE", "EE", "LT", "LV", "PT", "BE" ]  # EU supported countries
+      else
+        [ "US" ] # US only
+      end
+    end
 end

app/views/accounts/new/_method_selector.html.erb

@@ -6,16 +6,35 @@
       <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
         <%= lucide_icon("keyboard", class: "text-gray-500 w-5 h-5") %>
       </span>
-      <%= t("accounts.new.method_selector.manual_entry") %>
+      <%= t(".manual_entry") %>
     <% end %>
 
     <% if link_token.present? %>
-      <button data-controller="plaid" data-action="plaid#open modal#close" data-plaid-link-token-value="<%= @link_token %>" class="flex items-center gap-4 w-full text-center focus:outline-none focus:bg-gray-50 border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-gray-50 rounded-lg p-2">
-        <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
-          <%= lucide_icon("link-2", class: "text-gray-500 w-5 h-5") %>
-        </span>
-        <%= t("accounts.new.method_selector.connected_entry") %>
-      </button>
+      <% if Current.family.country.to_s.downcase != "us" %>
+        <%# US Link %>
+        <button data-controller="plaid" data-action="plaid#open modal#close" data-plaid-link-token-value="<%= Current.family.get_link_token(webhooks_url: webhooks_plaid_url, redirect_url: accounts_url, accountable_type: accountable_type.name, region: :us) %>" class="flex items-center gap-4 w-full text-center focus:outline-none focus:bg-gray-50 border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-gray-50 rounded-lg p-2">
+          <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
+            <%= lucide_icon("link-2", class: "text-gray-500 w-5 h-5") %>
+          </span>
+          <%= t(".connected_entry_us") %>
+        </button>
+
+        <%# EU Link %>
+        <button data-controller="plaid" data-action="plaid#open modal#close" data-plaid-link-token-value="<%= Current.family.get_link_token(webhooks_url: webhooks_plaid_url, redirect_url: accounts_url, accountable_type: accountable_type.name, region: :eu) %>" class="flex items-center gap-4 w-full text-center focus:outline-none focus:bg-gray-50 border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-gray-50 rounded-lg p-2">
+          <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
+            <%= lucide_icon("link-2", class: "text-gray-500 w-5 h-5") %>
+          </span>
+          <%= t(".connected_entry_eu") %>
+        </button>
+      <% else %>
+        <%# Default US-only Link %>
+        <button data-controller="plaid" data-action="plaid#open modal#close" data-plaid-link-token-value="<%= @link_token %>" class="flex items-center gap-4 w-full text-center focus:outline-none focus:bg-gray-50 border border-transparent focus:border focus:border-gray-200 px-2 hover:bg-gray-50 rounded-lg p-2">
+          <span class="flex w-8 h-8 shrink-0 grow-0 items-center justify-center rounded-lg bg-alpha-black-50 shadow-[inset_0_0_0_1px_rgba(0,0,0,0.02)]">
+            <%= lucide_icon("link-2", class: "text-gray-500 w-5 h-5") %>
+          </span>
+          <%= t(".connected_entry") %>
+        </button>
+      <% end %>
     <% end %>
   </div>
 <% end %>

config/initializers/plaid.rb

@@ -1,10 +1,18 @@
 Rails.application.configure do
   config.plaid = nil
+  config.plaid_eu = nil
 
   if ENV["PLAID_CLIENT_ID"].present? && ENV["PLAID_SECRET"].present?
     config.plaid = Plaid::Configuration.new
     config.plaid.server_index = Plaid::Configuration::Environment[ENV["PLAID_ENV"] || "sandbox"]
     config.plaid.api_key["PLAID-CLIENT-ID"] = ENV["PLAID_CLIENT_ID"]
     config.plaid.api_key["PLAID-SECRET"] = ENV["PLAID_SECRET"]
   end
+
+  if ENV["PLAID_EU_CLIENT_ID"].present? && ENV["PLAID_EU_SECRET"].present?
+    config.plaid_eu = Plaid::Configuration.new
+    config.plaid_eu.server_index = Plaid::Configuration::Environment[ENV["PLAID_EU_ENV"] || "sandbox"]
+    config.plaid_eu.api_key["PLAID-CLIENT-ID"] = ENV["PLAID_EU_CLIENT_ID"]
+    config.plaid_eu.api_key["PLAID-SECRET"] = ENV["PLAID_EU_SECRET"]
+  end
 end

config/locales/views/accounts/en.yml

@@ -30,6 +30,8 @@ en:
       import_accounts: Import accounts
       method_selector:
         connected_entry: Link account
+        connected_entry_us: Link US account
+        connected_entry_eu: Link EU account
         manual_entry: Enter account balance
         title: How would you like to add it?
       title: What would you like to add?