feat(#35): rendimento CDI automático em contas de investimento

- Migration 010: colunas yield_type e last_yield_date em accounts + source='yield' nas transações
- CDIYieldService: busca taxas BCB (serie 12) e cria transação source=yield com rendimento acumulado
- Weekends/feriados sem taxa usam última taxa disponível (AC4)
- GET /api/accounts dispara cálculo CDI on-demand antes de retornar saldos
- AccountsView: seletor yield_type (none/cdi/variable) + badge CDI/VAR na listagem
- Transações source=yield aparecem no histórico com descrição 'Rendimento CDI — {período}'

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/web/src/stores/accounts.ts

@@ -8,6 +8,8 @@ export interface Account {
   type: 'checking' | 'savings' | 'investment' | 'credit'
   initial_balance: number
   balance: number
+  yield_type: 'none' | 'cdi' | 'variable'
+  last_yield_date?: string
   created_at: string
   updated_at: string
 }
@@ -16,6 +18,7 @@ export interface AccountInput {
   name: string
   type: string
   initial_balance: number
+  yield_type: string
 }
 
 export const useAccountsStore = defineStore('accounts', () => {

apps/web/src/views/AccountsView.vue

@@ -13,7 +13,7 @@ const typeLabels: Record<string, string> = {
   credit: 'Cartão de Crédito',
 }
 
-const blank = (): AccountInput => ({ name: '', type: 'checking', initial_balance: 0 })
+const blank = (): AccountInput => ({ name: '', type: 'checking', initial_balance: 0, yield_type: 'none' })
 const form = ref(blank())
 const editId = ref<number | null>(null)
 const initialRaw = ref('')
@@ -27,7 +27,7 @@ function startEdit(id: number) {
   const a = store.accounts.find((x) => x.id === id)
   if (!a) return
   editId.value = id
-  form.value = { name: a.name, type: a.type, initial_balance: a.initial_balance }
+  form.value = { name: a.name, type: a.type, initial_balance: a.initial_balance, yield_type: a.yield_type ?? 'none' }
   initialRaw.value = a.initial_balance.toLocaleString('pt-BR', { minimumFractionDigits: 2 })
   formError.value = null
 }
@@ -85,6 +85,11 @@ function totalBalance() {
             <option value="investment">Investimento</option>
             <option value="credit">Cartão de Crédito</option>
           </select>
+          <select v-model="form.yield_type" class="fc-select fc-acc-form__yield">
+            <option value="none">Sem rendimento</option>
+            <option value="cdi">CDI automático</option>
+            <option value="variable">Renda variável</option>
+          </select>
           <input
             v-model="initialRaw"
             placeholder="Saldo inicial (ex: 1.500,00)"
@@ -120,7 +125,11 @@ function totalBalance() {
           :class="{ 'fc-acc-item--editing': editId === a.id }"
         >
           <div class="fc-acc-item__info">
-            <span class="fc-body fc-acc-item__name">{{ a.name }}</span>
+            <div class="fc-acc-item__name-row">
+              <span class="fc-body fc-acc-item__name">{{ a.name }}</span>
+              <span v-if="a.yield_type === 'cdi'" class="fc-acc-badge fc-acc-badge--cdi fc-pixel">CDI</span>
+              <span v-else-if="a.yield_type === 'variable'" class="fc-acc-badge fc-acc-badge--var fc-pixel">VAR</span>
+            </div>
             <span class="fc-mono fc-acc-item__meta">
               {{ typeLabels[a.type] }} · inicial {{ fmt(a.initial_balance) }}
             </span>
@@ -165,8 +174,9 @@ function totalBalance() {
 }
 
 .fc-acc-form__name    { flex: 1; min-width: 160px; }
-.fc-acc-form__type    { width: 160px; }
-.fc-acc-form__balance { width: 160px; }
+.fc-acc-form__type    { width: 150px; }
+.fc-acc-form__yield   { width: 160px; }
+.fc-acc-form__balance { width: 150px; }
 
 .fc-acc-form__error {
   color: var(--fc-red);
@@ -237,9 +247,16 @@ function totalBalance() {
   gap: 4px;
 }
 
+.fc-acc-item__name-row { display: flex; align-items: center; gap: 8px; }
 .fc-acc-item__name { font-size: 14px; font-weight: 500; }
 .fc-acc-item__meta { font-size: 11px; color: var(--fc-text-dim); }
 
+.fc-acc-badge {
+  font-size: 7px; padding: 2px 5px; border-radius: 2px; letter-spacing: .05em;
+}
+.fc-acc-badge--cdi { background: rgba(34,197,94,.2); color: var(--fc-green); border: 1px solid var(--fc-green); }
+.fc-acc-badge--var { background: rgba(251,191,36,.2); color: var(--fc-gold); border: 1px solid var(--fc-gold); }
+
 .fc-acc-item__right {
   display: flex;
   align-items: center;