feat(game): #49 motor de conquistas dinâmicas por categoria

- GameRepo: EnsureCategoryAchievement, RemoveCategoryAchievementIfNotEarned, ListCategoriesWithBudget, GetMonthlySpendByCategory
- GameService: OnCategoryBudgetSet, CheckCategoryBudgets
- ListAchievements filtra conquistas por categorias do perfil (sem vazamento entre usuários)
- NotifyAction chama CheckCategoryBudgets em transaction_created e import_confirmed
- CategoryHandler injeta GameService e chama OnCategoryBudgetSet após Create/Update
- 5 novos testes unitários cobrindo todos os cenários de AC

apps/api/internal/service/game_test.go

@@ -9,14 +9,20 @@ import (
 )
 
 type mockGameRepo struct {
-	profile      model.PlayerProfile
-	achievements map[string]bool
+	profile       model.PlayerProfile
+	achievements  map[string]bool
+	ensuredCats   map[int]string
+	removedCats   []int
+	catBudgets    []model.CategoryBudgetInfo
+	catSpend      map[int]float64
 }
 
 func newMockGameRepo() *mockGameRepo {
 	return &mockGameRepo{
 		profile:      model.PlayerProfile{ID: 1, Level: 1, XP: 0, XPToNext: 100},
 		achievements: map[string]bool{},
+		ensuredCats:  map[int]string{},
+		catSpend:     map[int]float64{},
 	}
 }
 
@@ -52,6 +58,20 @@ func (m *mockGameRepo) UnlockAchievement(_ context.Context, c string) (int, erro
 func (m *mockGameRepo) ListCosmetics(_ context.Context) ([]model.Cosmetic, error)        { return nil, nil }
 func (m *mockGameRepo) EquipCosmetic(_ context.Context, _ int) error                     { return nil }
 func (m *mockGameRepo) UnlockCosmeticsForLevel(_ context.Context, _ int) error           { return nil }
+func (m *mockGameRepo) EnsureCategoryAchievement(_ context.Context, catID int, name string) error {
+	m.ensuredCats[catID] = name
+	return nil
+}
+func (m *mockGameRepo) RemoveCategoryAchievementIfNotEarned(_ context.Context, catID int) error {
+	m.removedCats = append(m.removedCats, catID)
+	return nil
+}
+func (m *mockGameRepo) ListCategoriesWithBudget(_ context.Context) ([]model.CategoryBudgetInfo, error) {
+	return m.catBudgets, nil
+}
+func (m *mockGameRepo) GetMonthlySpendByCategory(_ context.Context, _ string, catID int) (float64, error) {
+	return m.catSpend[catID], nil
+}
 
 func TestGame_XPAccumulates(t *testing.T) {
 	repo := newMockGameRepo()
@@ -96,3 +116,58 @@ func TestGame_AchievementNotDuplicated(t *testing.T) {
 		t.Error("achievement should be marked unlocked")
 	}
 }
+
+func TestGame_EnsureCategoryAchievementOnBudgetSet(t *testing.T) {
+	repo := newMockGameRepo()
+	svc := service.NewGameService(repo)
+
+	budget := 800.0
+	svc.OnCategoryBudgetSet(context.Background(), 5, "Alimentação", &budget)
+
+	if repo.ensuredCats[5] != "Alimentação" {
+		t.Errorf("expected EnsureCategoryAchievement called for cat 5, got %v", repo.ensuredCats)
+	}
+	if len(repo.removedCats) != 0 {
+		t.Error("expected no removal when budget is set")
+	}
+}
+
+func TestGame_RemoveCategoryAchievementOnBudgetNull(t *testing.T) {
+	repo := newMockGameRepo()
+	svc := service.NewGameService(repo)
+
+	svc.OnCategoryBudgetSet(context.Background(), 5, "Alimentação", nil)
+
+	if len(repo.removedCats) == 0 || repo.removedCats[0] != 5 {
+		t.Errorf("expected RemoveCategoryAchievementIfNotEarned for cat 5, got %v", repo.removedCats)
+	}
+	if len(repo.ensuredCats) != 0 {
+		t.Error("expected no ensure when budget is nil")
+	}
+}
+
+func TestGame_CategoryBudgetUnlock(t *testing.T) {
+	repo := newMockGameRepo()
+	repo.catBudgets = []model.CategoryBudgetInfo{{CategoryID: 5, MonthlyBudget: 800}}
+	repo.catSpend[5] = 750
+	svc := service.NewGameService(repo)
+
+	svc.CheckCategoryBudgets(context.Background(), "2026-05")
+
+	if !repo.achievements["budget_cat_5"] {
+		t.Error("expected budget_cat_5 unlocked when spend 750 <= budget 800")
+	}
+}
+
+func TestGame_CategoryBudgetNoUnlockWhenOverBudget(t *testing.T) {
+	repo := newMockGameRepo()
+	repo.catBudgets = []model.CategoryBudgetInfo{{CategoryID: 5, MonthlyBudget: 800}}
+	repo.catSpend[5] = 850
+	svc := service.NewGameService(repo)
+
+	svc.CheckCategoryBudgets(context.Background(), "2026-05")
+
+	if repo.achievements["budget_cat_5"] {
+		t.Error("expected budget_cat_5 NOT unlocked when spend 850 > budget 800")
+	}
+}