diff --git a/.github/workflows/gate.yml b/.github/workflows/gate.yml
new file mode 100644
index 0000000..a761446
--- /dev/null
+++ b/.github/workflows/gate.yml
@@ -0,0 +1,25 @@
+name: Gate
+
+on:
+  push:
+    branches: [master]
+  pull_request:
+    branches: [master]
+
+permissions:
+  checks: write
+  pull-requests: write
+  contents: read
+
+jobs:
+  gate:
+    runs-on: ubuntu-latest
+    steps:
+      - uses: actions/checkout@v4
+
+      - name: Run Gate
+        uses: synapse-sentinel/gate@master
+        with:
+          coverage-threshold: 80
+          coverage-directory: src
+          github-token: ${{ secrets.GITHUB_TOKEN }}
diff --git a/composer.json b/composer.json
index 94adc08..4bc6995 100644
--- a/composer.json
+++ b/composer.json
@@ -7,11 +7,14 @@
         "php": "^8.3",
         "illuminate/support": "^11.0|^12.0",
         "prism-php/prism": "^0.99",
-        "saloonphp/saloon": "^3.0"
+        "saloonphp/saloon": "^4.0"
     },
     "require-dev": {
+        "larastan/larastan": "^3.0",
+        "laravel/pint": "^1.0",
         "orchestra/testbench": "^9.0|^10.0",
-        "pestphp/pest": "^3.0"
+        "pestphp/pest": "^3.0",
+        "pestphp/pest-plugin-laravel": "^3.0"
     },
     "autoload": {
         "psr-4": {
@@ -20,7 +23,17 @@
     },
     "autoload-dev": {
         "psr-4": {
-            "TheShit\\Finance\\Tests\\": "tests/"
+            "Tests\\": "tests/"
+        }
+    },
+    "scripts": {
+        "test": "pest",
+        "analyse": "phpstan analyse",
+        "format": "pint"
+    },
+    "config": {
+        "allow-plugins": {
+            "pestphp/pest-plugin": true
         }
     },
     "extra": {
diff --git a/config/finance.php b/config/finance.php
index 007d654..288344c 100644
--- a/config/finance.php
+++ b/config/finance.php
@@ -3,12 +3,13 @@
 return [
 
     'plaid' => [
-        'client_id'   => env('PLAID_CLIENT_ID'),
-        'secret'      => env('PLAID_SECRET'),
-        'environment' => env('PLAID_ENVIRONMENT', 'sandbox'), // sandbox | development | production
-        'products'    => ['transactions'],
+        'client_id'    => env('PLAID_CLIENT_ID'),
+        'secret'       => env('PLAID_SECRET'),
+        'access_token' => env('PLAID_ACCESS_TOKEN'), // permanent token from ExchangePublicToken
+        'environment'  => env('PLAID_ENVIRONMENT', 'sandbox'), // sandbox | development | production
+        'products'     => ['transactions'],
         'country_codes' => ['US'],
-        'webhook'     => env('PLAID_WEBHOOK_URL'),
+        'webhook'      => env('PLAID_WEBHOOK_URL'),
     ],
 
     'privacy' => [
diff --git a/phpstan.neon b/phpstan.neon
new file mode 100644
index 0000000..09d2a80
--- /dev/null
+++ b/phpstan.neon
@@ -0,0 +1,8 @@
+includes:
+    - vendor/larastan/larastan/extension.neon
+
+parameters:
+    paths:
+        - src
+    level: 8
+    checkMissingIterableValueType: false
diff --git a/phpunit.xml b/phpunit.xml
new file mode 100644
index 0000000..ee77cfd
--- /dev/null
+++ b/phpunit.xml
@@ -0,0 +1,22 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<phpunit xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+         xsi:noNamespaceSchemaLocation="vendor/phpunit/phpunit/phpunit.xsd"
+         bootstrap="vendor/autoload.php"
+         colors="true">
+    <testsuites>
+        <testsuite name="Unit">
+            <directory>tests/Unit</directory>
+        </testsuite>
+        <testsuite name="Feature">
+            <directory>tests/Feature</directory>
+        </testsuite>
+    </testsuites>
+    <coverage>
+        <include>
+            <directory>src</directory>
+        </include>
+    </coverage>
+    <php>
+        <env name="APP_ENV" value="testing"/>
+    </php>
+</phpunit>
diff --git a/pint.json b/pint.json
new file mode 100644
index 0000000..923c341
--- /dev/null
+++ b/pint.json
@@ -0,0 +1,7 @@
+{
+    "preset": "laravel",
+    "rules": {
+        "ordered_imports": { "sort_algorithm": "alpha" },
+        "no_unused_imports": true
+    }
+}
diff --git a/src/FinanceServiceProvider.php b/src/FinanceServiceProvider.php
index 9e44239..fadc73b 100644
--- a/src/FinanceServiceProvider.php
+++ b/src/FinanceServiceProvider.php
@@ -3,9 +3,11 @@
 namespace TheShit\Finance;
 
 use Illuminate\Support\ServiceProvider;
+use TheShit\Finance\Contracts\FinanceDataProvider;
 use TheShit\Finance\Plaid\PlaidConnector;
 use TheShit\Finance\Privacy\AmountBucketer;
 use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Providers\PlaidProvider;
 
 class FinanceServiceProvider extends ServiceProvider
 {
@@ -21,6 +23,13 @@ public function register(): void
             );
         });
 
+        $this->app->singleton(FinanceDataProvider::class, function ($app) {
+            return new PlaidProvider(
+                connector:   $app->make(PlaidConnector::class),
+                accessToken: config('finance.plaid.access_token'),
+            );
+        });
+
         $this->app->singleton(PrivacyTransformer::class, function () {
             return new PrivacyTransformer(
                 bucketer: new AmountBucketer,
diff --git a/src/Privacy/PrivacyTransformer.php b/src/Privacy/PrivacyTransformer.php
index 1595635..9f2cc1c 100644
--- a/src/Privacy/PrivacyTransformer.php
+++ b/src/Privacy/PrivacyTransformer.php
@@ -2,7 +2,8 @@
 
 namespace TheShit\Finance\Privacy;
 
-use EchoLabs\Prism\Facades\Prism;
+use Prism\Prism\Enums\Provider;
+use Prism\Prism\Facades\Prism;
 use Illuminate\Support\Collection;
 use TheShit\Finance\Plaid\DTOs\Transaction;
 
@@ -99,7 +100,7 @@ private function ollamaReduce(array $stripped, string $task): CloudPayload
         ]);
 
         $response = Prism::text()
-            ->usingOllama($this->model, $this->endpoint)
+            ->using(Provider::Ollama, $this->model)
             ->withSystemPrompt(self::SYSTEM_PROMPT)
             ->withPrompt($prompt)
             ->generate();
diff --git a/src/Tools/Concerns/ResolvePeriod.php b/src/Tools/Concerns/ResolvePeriod.php
new file mode 100644
index 0000000..995a19a
--- /dev/null
+++ b/src/Tools/Concerns/ResolvePeriod.php
@@ -0,0 +1,31 @@
+<?php
+
+namespace TheShit\Finance\Tools\Concerns;
+
+use Carbon\Carbon;
+
+trait ResolvePeriod
+{
+    /**
+     * Resolve a period string into a [from, to] Carbon pair.
+     *
+     * @return array{0: Carbon, 1: Carbon}
+     */
+    protected static function resolvePeriod(string $period): array
+    {
+        return match ($period) {
+            'last_month'  => [
+                Carbon::now()->startOfMonth()->subMonthNoOverflow(),
+                Carbon::now()->subMonthNoOverflow()->endOfMonth(),
+            ],
+            'last_30_days' => [
+                Carbon::now()->subDays(30)->startOfDay(),
+                Carbon::now()->endOfDay(),
+            ],
+            default => [ // current_month
+                Carbon::now()->startOfMonth(),
+                Carbon::now()->endOfDay(),
+            ],
+        };
+    }
+}
diff --git a/src/Tools/FinanceTools.php b/src/Tools/FinanceTools.php
new file mode 100644
index 0000000..265bd96
--- /dev/null
+++ b/src/Tools/FinanceTools.php
@@ -0,0 +1,42 @@
+<?php
+
+namespace TheShit\Finance\Tools;
+
+use Prism\Prism\Tool;
+
+/**
+ * Registry of all available finance tools.
+ *
+ * Usage:
+ *   $agent->withTools(FinanceTools::all());
+ *   $agent->withTools([GetSpendingSummaryTool::make(), ...]);
+ */
+class FinanceTools
+{
+    /**
+     * All core finance tools, ready to spread into any Prism agent.
+     *
+     * @return Tool[]
+     */
+    public static function all(): array
+    {
+        return [
+            GetSpendingSummaryTool::make(),
+            GetAccountBalancesTool::make(),
+            GetCashflowTool::make(),
+        ];
+    }
+
+    /**
+     * Spending analysis only.
+     *
+     * @return Tool[]
+     */
+    public static function spending(): array
+    {
+        return [
+            GetSpendingSummaryTool::make(),
+            GetCashflowTool::make(),
+        ];
+    }
+}
diff --git a/src/Tools/GetAccountBalancesTool.php b/src/Tools/GetAccountBalancesTool.php
new file mode 100644
index 0000000..42ed9e4
--- /dev/null
+++ b/src/Tools/GetAccountBalancesTool.php
@@ -0,0 +1,36 @@
+<?php
+
+namespace TheShit\Finance\Tools;
+
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+
+class GetAccountBalancesTool
+{
+    public static function make(): Tool
+    {
+        $provider = app(FinanceDataProvider::class);
+
+        return Tool::as('get_account_balances')
+            ->for('Get current balances for all connected bank and credit accounts. Use this to answer questions about available funds, credit limits, or total net worth across accounts.')
+            ->using(function () use ($provider): string {
+                $accounts = $provider->accounts();
+
+                // Balances are structural, not transactional — safe to summarize
+                // without merchant-level PII. We round to nearest $10 for cloud.
+                $summary = $accounts->map(fn ($account) => [
+                    'type'      => $account->type,
+                    'subtype'   => $account->subtype,
+                    'available' => $account->available !== null
+                        ? '$'.number_format(round($account->available / 10) * 10)
+                        : null,
+                    'current'   => '$'.number_format(round($account->current / 10) * 10),
+                    'limit'     => $account->limit !== null
+                        ? '$'.number_format($account->limit)
+                        : null,
+                ])->values()->toArray();
+
+                return json_encode($summary, JSON_PRETTY_PRINT);
+            });
+    }
+}
diff --git a/src/Tools/GetCashflowTool.php b/src/Tools/GetCashflowTool.php
new file mode 100644
index 0000000..4762bd3
--- /dev/null
+++ b/src/Tools/GetCashflowTool.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace TheShit\Finance\Tools;
+
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Tools\Concerns\ResolvePeriod;
+
+class GetCashflowTool
+{
+    use ResolvePeriod;
+
+    public static function make(): Tool
+    {
+        $provider    = app(FinanceDataProvider::class);
+        $transformer = app(PrivacyTransformer::class);
+
+        return Tool::as('get_cashflow')
+            ->for('Get income vs expenses for a period. Use this to answer questions about whether spending exceeds income, savings rate, or overall financial health.')
+            ->withStringParameter(
+                name:        'period',
+                description: 'The time period to analyze. Options: current_month, last_month, last_30_days. Defaults to current_month.',
+                required:    false,
+            )
+            ->using(function (string $period = 'current_month') use ($provider, $transformer): string {
+                [$from, $to] = self::resolvePeriod($period);
+
+                $transactions = $provider->transactions($from, $to)
+                    ->filter(fn ($t) => ! $t->pending);
+
+                $payload = $transformer->prepare(
+                    $transactions,
+                    'Calculate net cashflow: total income (credits) vs total expenses (debits). Include category breakdown for expenses.'
+                );
+
+                return $payload->toJson();
+            });
+    }
+}
diff --git a/src/Tools/GetSpendingSummaryTool.php b/src/Tools/GetSpendingSummaryTool.php
new file mode 100644
index 0000000..d8f5a1f
--- /dev/null
+++ b/src/Tools/GetSpendingSummaryTool.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace TheShit\Finance\Tools;
+
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Tools\Concerns\ResolvePeriod;
+
+class GetSpendingSummaryTool
+{
+    use ResolvePeriod;
+
+    public static function make(): Tool
+    {
+        $provider    = app(FinanceDataProvider::class);
+        $transformer = app(PrivacyTransformer::class);
+
+        return Tool::as('get_spending_summary')
+            ->for('Get a breakdown of spending by category for a given period. Use this to answer questions about where money is being spent.')
+            ->withStringParameter(
+                name:        'period',
+                description: 'The time period to analyze. Options: current_month, last_month, last_30_days. Defaults to current_month.',
+                required:    false,
+            )
+            ->using(function (string $period = 'current_month') use ($provider, $transformer): string {
+                [$from, $to] = self::resolvePeriod($period);
+
+                $transactions = $provider->transactions($from, $to)
+                    ->filter(fn ($t) => ! $t->pending);
+
+                $payload = $transformer->prepare(
+                    $transactions,
+                    'Summarize spending by category — totals, counts, and any notable patterns.'
+                );
+
+                return $payload->toJson();
+            });
+    }
+}
diff --git a/tests/Feature/FinanceServiceProviderTest.php b/tests/Feature/FinanceServiceProviderTest.php
new file mode 100644
index 0000000..f0bd2dd
--- /dev/null
+++ b/tests/Feature/FinanceServiceProviderTest.php
@@ -0,0 +1,50 @@
+<?php
+
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Plaid\PlaidConnector;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Providers\PlaidProvider;
+
+it('binds PlaidConnector as singleton', function () {
+    $a = app(PlaidConnector::class);
+    $b = app(PlaidConnector::class);
+
+    expect($a)->toBeInstanceOf(PlaidConnector::class)
+        ->and($a)->toBe($b);
+});
+
+it('binds FinanceDataProvider to PlaidProvider', function () {
+    $provider = app(FinanceDataProvider::class);
+
+    expect($provider)->toBeInstanceOf(PlaidProvider::class);
+});
+
+it('binds FinanceDataProvider as singleton', function () {
+    $a = app(FinanceDataProvider::class);
+    $b = app(FinanceDataProvider::class);
+
+    expect($a)->toBe($b);
+});
+
+it('binds PrivacyTransformer as singleton', function () {
+    $a = app(PrivacyTransformer::class);
+    $b = app(PrivacyTransformer::class);
+
+    expect($a)->toBeInstanceOf(PrivacyTransformer::class)
+        ->and($a)->toBe($b);
+});
+
+it('configures plaid connector with sandbox environment from test config', function () {
+    $connector = app(PlaidConnector::class);
+
+    expect($connector->resolveBaseUrl())->toBe('https://sandbox.plaid.com');
+});
+
+it('configures privacy transformer with passthrough driver from test config', function () {
+    // TestCase sets FINANCE_PRIVACY_DRIVER=passthrough
+    // Verify the transformer doesn't attempt Ollama calls
+    $transformer = app(PrivacyTransformer::class);
+    $payload = $transformer->prepare(collect(), 'test task');
+
+    expect($payload->data)->toBe([]);
+});
diff --git a/tests/Pest.php b/tests/Pest.php
new file mode 100644
index 0000000..7556164
--- /dev/null
+++ b/tests/Pest.php
@@ -0,0 +1,3 @@
+<?php
+
+uses(Tests\TestCase::class)->in('Feature', 'Unit');
diff --git a/tests/TestCase.php b/tests/TestCase.php
new file mode 100644
index 0000000..6e22108
--- /dev/null
+++ b/tests/TestCase.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Tests;
+
+use Orchestra\Testbench\TestCase as Orchestra;
+use TheShit\Finance\FinanceServiceProvider;
+
+class TestCase extends Orchestra
+{
+    protected function getPackageProviders($app): array
+    {
+        return [FinanceServiceProvider::class];
+    }
+
+    protected function defineEnvironment($app): void
+    {
+        $app['config']->set('finance.plaid.client_id', 'test-client-id');
+        $app['config']->set('finance.plaid.secret', 'test-secret');
+        $app['config']->set('finance.plaid.access_token', 'test-access-token');
+        $app['config']->set('finance.plaid.environment', 'sandbox');
+        $app['config']->set('finance.privacy.driver', 'passthrough');
+    }
+}
diff --git a/tests/Unit/Contracts/SyncResultTest.php b/tests/Unit/Contracts/SyncResultTest.php
new file mode 100644
index 0000000..32b5538
--- /dev/null
+++ b/tests/Unit/Contracts/SyncResultTest.php
@@ -0,0 +1,37 @@
+<?php
+
+use Illuminate\Support\Collection;
+use TheShit\Finance\Contracts\SyncResult;
+
+it('stores all properties correctly', function () {
+    $added    = collect(['a']);
+    $modified = collect(['b']);
+    $removed  = collect(['c']);
+
+    $result = new SyncResult(
+        added:      $added,
+        modified:   $modified,
+        removed:    $removed,
+        nextCursor: 'cursor_abc123',
+        hasMore:    true,
+    );
+
+    expect($result->added)->toBe($added)
+        ->and($result->modified)->toBe($modified)
+        ->and($result->removed)->toBe($removed)
+        ->and($result->nextCursor)->toBe('cursor_abc123')
+        ->and($result->hasMore)->toBeTrue();
+});
+
+it('accepts hasMore as false', function () {
+    $result = new SyncResult(
+        added:      collect(),
+        modified:   collect(),
+        removed:    collect(),
+        nextCursor: '',
+        hasMore:    false,
+    );
+
+    expect($result->hasMore)->toBeFalse()
+        ->and($result->added)->toBeInstanceOf(Collection::class);
+});
diff --git a/tests/Unit/Plaid/DTOs/AccountTest.php b/tests/Unit/Plaid/DTOs/AccountTest.php
new file mode 100644
index 0000000..0b0252b
--- /dev/null
+++ b/tests/Unit/Plaid/DTOs/AccountTest.php
@@ -0,0 +1,66 @@
+<?php
+
+use TheShit\Finance\Plaid\DTOs\Account;
+
+it('maps all fields from plaid response', function () {
+    $account = Account::fromPlaid([
+        'account_id'    => 'acc_123',
+        'name'          => 'Checking',
+        'official_name' => 'Premier Checking Account',
+        'type'          => 'depository',
+        'subtype'       => 'checking',
+        'balances'      => [
+            'available'         => 1500.00,
+            'current'           => 1600.00,
+            'limit'             => null,
+            'iso_currency_code' => 'USD',
+        ],
+    ]);
+
+    expect($account->accountId)->toBe('acc_123')
+        ->and($account->name)->toBe('Checking')
+        ->and($account->officialName)->toBe('Premier Checking Account')
+        ->and($account->type)->toBe('depository')
+        ->and($account->subtype)->toBe('checking')
+        ->and($account->available)->toBe(1500.00)
+        ->and($account->current)->toBe(1600.00)
+        ->and($account->limit)->toBeNull()
+        ->and($account->currencyCode)->toBe('USD');
+});
+
+it('falls back to name when official_name is missing', function () {
+    $account = Account::fromPlaid([
+        'account_id' => 'acc_456',
+        'name'       => 'Savings',
+        'type'       => 'depository',
+        'subtype'    => 'savings',
+        'balances'   => [
+            'available'         => null,
+            'current'           => 5000.00,
+            'limit'             => null,
+            'iso_currency_code' => 'USD',
+        ],
+    ]);
+
+    expect($account->officialName)->toBe('Savings')
+        ->and($account->available)->toBeNull();
+});
+
+it('maps credit account with limit', function () {
+    $account = Account::fromPlaid([
+        'account_id'    => 'acc_cc',
+        'name'          => 'Visa',
+        'official_name' => 'Visa Signature',
+        'type'          => 'credit',
+        'subtype'       => 'credit card',
+        'balances'      => [
+            'available'         => 4000.00,
+            'current'           => 1000.00,
+            'limit'             => 5000.00,
+            'iso_currency_code' => 'USD',
+        ],
+    ]);
+
+    expect($account->limit)->toBe(5000.00)
+        ->and($account->type)->toBe('credit');
+});
diff --git a/tests/Unit/Plaid/DTOs/TransactionTest.php b/tests/Unit/Plaid/DTOs/TransactionTest.php
new file mode 100644
index 0000000..d33ba2e
--- /dev/null
+++ b/tests/Unit/Plaid/DTOs/TransactionTest.php
@@ -0,0 +1,89 @@
+<?php
+
+use Carbon\Carbon;
+use TheShit\Finance\Plaid\DTOs\Transaction;
+
+it('maps all fields from plaid response', function () {
+    $transaction = Transaction::fromPlaid([
+        'transaction_id'   => 'txn_abc',
+        'account_id'       => 'acc_123',
+        'amount'           => 42.50,
+        'iso_currency_code' => 'USD',
+        'name'             => 'Whole Foods Market',
+        'merchant_name'    => 'Whole Foods',
+        'date'             => '2026-04-01',
+        'authorized_datetime' => '2026-04-01T10:00:00Z',
+        'category'         => ['Food and Drink', 'Groceries'],
+        'category_id'      => 'cat_001',
+        'payment_channel'  => 'in store',
+        'pending'          => false,
+        'logo_url'         => 'https://logo.example.com',
+        'website'          => 'wholefoodsmarket.com',
+    ]);
+
+    expect($transaction->transactionId)->toBe('txn_abc')
+        ->and($transaction->accountId)->toBe('acc_123')
+        ->and($transaction->amount)->toBe(42.50)
+        ->and($transaction->currencyCode)->toBe('USD')
+        ->and($transaction->name)->toBe('Whole Foods Market')
+        ->and($transaction->merchantName)->toBe('Whole Foods')
+        ->and($transaction->date)->toBeInstanceOf(Carbon::class)
+        ->and($transaction->date->toDateString())->toBe('2026-04-01')
+        ->and($transaction->authorizedAt)->toBeInstanceOf(Carbon::class)
+        ->and($transaction->category)->toBe(['Food and Drink', 'Groceries'])
+        ->and($transaction->categoryId)->toBe('cat_001')
+        ->and($transaction->paymentChannel)->toBe('in store')
+        ->and($transaction->pending)->toBeFalse()
+        ->and($transaction->logoUrl)->toBe('https://logo.example.com')
+        ->and($transaction->website)->toBe('wholefoodsmarket.com');
+});
+
+it('handles missing optional fields', function () {
+    $transaction = Transaction::fromPlaid([
+        'transaction_id'    => 'txn_min',
+        'account_id'        => 'acc_123',
+        'amount'            => 10.00,
+        'iso_currency_code' => 'USD',
+        'name'              => 'ATM Withdrawal',
+        'date'              => '2026-04-01',
+        'pending'           => false,
+    ]);
+
+    expect($transaction->merchantName)->toBeNull()
+        ->and($transaction->authorizedAt)->toBeNull()
+        ->and($transaction->category)->toBe([])
+        ->and($transaction->categoryId)->toBeNull()
+        ->and($transaction->paymentChannel)->toBe('other')
+        ->and($transaction->logoUrl)->toBeNull()
+        ->and($transaction->website)->toBeNull();
+});
+
+it('identifies debits correctly', function () {
+    $transaction = Transaction::fromPlaid([
+        'transaction_id'    => 'txn_debit',
+        'account_id'        => 'acc_123',
+        'amount'            => 50.00,
+        'iso_currency_code' => 'USD',
+        'name'              => 'Coffee Shop',
+        'date'              => '2026-04-01',
+        'pending'           => false,
+    ]);
+
+    expect($transaction->isDebit())->toBeTrue()
+        ->and($transaction->isCredit())->toBeFalse();
+});
+
+it('identifies credits correctly', function () {
+    $transaction = Transaction::fromPlaid([
+        'transaction_id'    => 'txn_credit',
+        'account_id'        => 'acc_123',
+        'amount'            => -1500.00,
+        'iso_currency_code' => 'USD',
+        'name'              => 'Direct Deposit',
+        'date'              => '2026-04-01',
+        'pending'           => false,
+    ]);
+
+    expect($transaction->isCredit())->toBeTrue()
+        ->and($transaction->isDebit())->toBeFalse();
+});
diff --git a/tests/Unit/Plaid/PlaidConnectorTest.php b/tests/Unit/Plaid/PlaidConnectorTest.php
new file mode 100644
index 0000000..c59cb48
--- /dev/null
+++ b/tests/Unit/Plaid/PlaidConnectorTest.php
@@ -0,0 +1,23 @@
+<?php
+
+use TheShit\Finance\Plaid\PlaidConnector;
+
+it('resolves sandbox base url', function () {
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    expect($connector->resolveBaseUrl())->toBe('https://sandbox.plaid.com');
+});
+
+it('resolves development base url', function () {
+    $connector = new PlaidConnector('id', 'secret', 'development');
+    expect($connector->resolveBaseUrl())->toBe('https://development.plaid.com');
+});
+
+it('resolves production base url', function () {
+    $connector = new PlaidConnector('id', 'secret', 'production');
+    expect($connector->resolveBaseUrl())->toBe('https://production.plaid.com');
+});
+
+it('defaults to sandbox for unknown environment', function () {
+    $connector = new PlaidConnector('id', 'secret', 'unknown');
+    expect($connector->resolveBaseUrl())->toBe('https://sandbox.plaid.com');
+});
diff --git a/tests/Unit/Plaid/Requests/CreateLinkTokenTest.php b/tests/Unit/Plaid/Requests/CreateLinkTokenTest.php
new file mode 100644
index 0000000..7b8ce28
--- /dev/null
+++ b/tests/Unit/Plaid/Requests/CreateLinkTokenTest.php
@@ -0,0 +1,47 @@
+<?php
+
+use Saloon\Enums\Method;
+use TheShit\Finance\Plaid\Requests\CreateLinkToken;
+
+it('uses POST method', function () {
+    $request = new CreateLinkToken('user_123');
+    expect($request->getMethod())->toBe(Method::POST);
+});
+
+it('resolves correct endpoint', function () {
+    $request = new CreateLinkToken('user_123');
+    expect($request->resolveEndpoint())->toBe('/link/token/create');
+});
+
+it('includes required body fields', function () {
+    $request = new CreateLinkToken('user_123');
+    $body    = $request->defaultBody();
+
+    expect($body['user'])->toBe(['client_user_id' => 'user_123'])
+        ->and($body['client_name'])->toBe('Finance')
+        ->and($body['products'])->toBe(['transactions'])
+        ->and($body['country_codes'])->toBe(['US'])
+        ->and($body['language'])->toBe('en');
+});
+
+it('includes webhook when provided', function () {
+    $request = new CreateLinkToken('user_123', webhook: 'https://example.com/webhook');
+    $body    = $request->defaultBody();
+
+    expect($body['webhook'])->toBe('https://example.com/webhook');
+});
+
+it('excludes webhook when null', function () {
+    $request = new CreateLinkToken('user_123');
+    $body    = $request->defaultBody();
+
+    expect($body)->not->toHaveKey('webhook');
+});
+
+it('accepts custom products and country codes', function () {
+    $request = new CreateLinkToken('user_123', ['auth', 'transactions'], ['CA']);
+    $body    = $request->defaultBody();
+
+    expect($body['products'])->toBe(['auth', 'transactions'])
+        ->and($body['country_codes'])->toBe(['CA']);
+});
diff --git a/tests/Unit/Plaid/Requests/ExchangePublicTokenTest.php b/tests/Unit/Plaid/Requests/ExchangePublicTokenTest.php
new file mode 100644
index 0000000..bdc55bd
--- /dev/null
+++ b/tests/Unit/Plaid/Requests/ExchangePublicTokenTest.php
@@ -0,0 +1,21 @@
+<?php
+
+use Saloon\Enums\Method;
+use TheShit\Finance\Plaid\Requests\ExchangePublicToken;
+
+it('uses POST method', function () {
+    $request = new ExchangePublicToken('public-token-sandbox-abc');
+    expect($request->getMethod())->toBe(Method::POST);
+});
+
+it('resolves correct endpoint', function () {
+    $request = new ExchangePublicToken('public-token-sandbox-abc');
+    expect($request->resolveEndpoint())->toBe('/item/public_token/exchange');
+});
+
+it('includes public token in body', function () {
+    $request = new ExchangePublicToken('public-token-sandbox-abc');
+    $body    = $request->defaultBody();
+
+    expect($body['public_token'])->toBe('public-token-sandbox-abc');
+});
diff --git a/tests/Unit/Plaid/Requests/GetAccountsTest.php b/tests/Unit/Plaid/Requests/GetAccountsTest.php
new file mode 100644
index 0000000..ba09076
--- /dev/null
+++ b/tests/Unit/Plaid/Requests/GetAccountsTest.php
@@ -0,0 +1,21 @@
+<?php
+
+use Saloon\Enums\Method;
+use TheShit\Finance\Plaid\Requests\GetAccounts;
+
+it('uses POST method', function () {
+    $request = new GetAccounts('access-sandbox-token');
+    expect($request->getMethod())->toBe(Method::POST);
+});
+
+it('resolves correct endpoint', function () {
+    $request = new GetAccounts('access-sandbox-token');
+    expect($request->resolveEndpoint())->toBe('/accounts/get');
+});
+
+it('includes access token in body', function () {
+    $request = new GetAccounts('access-sandbox-token');
+    $body    = $request->defaultBody();
+
+    expect($body['access_token'])->toBe('access-sandbox-token');
+});
diff --git a/tests/Unit/Plaid/Requests/SyncTransactionsTest.php b/tests/Unit/Plaid/Requests/SyncTransactionsTest.php
new file mode 100644
index 0000000..fd4e2b8
--- /dev/null
+++ b/tests/Unit/Plaid/Requests/SyncTransactionsTest.php
@@ -0,0 +1,37 @@
+<?php
+
+use Saloon\Enums\Method;
+use TheShit\Finance\Plaid\Requests\SyncTransactions;
+
+it('uses POST method', function () {
+    $request = new SyncTransactions('access-token');
+    expect($request->getMethod())->toBe(Method::POST);
+});
+
+it('resolves correct endpoint', function () {
+    $request = new SyncTransactions('access-token');
+    expect($request->resolveEndpoint())->toBe('/transactions/sync');
+});
+
+it('includes access token and default count in body', function () {
+    $request = new SyncTransactions('access-token');
+    $body    = $request->defaultBody();
+
+    expect($body['access_token'])->toBe('access-token')
+        ->and($body['count'])->toBe(100)
+        ->and($body)->not->toHaveKey('cursor');
+});
+
+it('includes cursor when provided', function () {
+    $request = new SyncTransactions('access-token', 'cursor_xyz');
+    $body    = $request->defaultBody();
+
+    expect($body['cursor'])->toBe('cursor_xyz');
+});
+
+it('accepts custom count', function () {
+    $request = new SyncTransactions('access-token', null, 250);
+    $body    = $request->defaultBody();
+
+    expect($body['count'])->toBe(250);
+});
diff --git a/tests/Unit/Privacy/AmountBucketerTest.php b/tests/Unit/Privacy/AmountBucketerTest.php
new file mode 100644
index 0000000..2a12511
--- /dev/null
+++ b/tests/Unit/Privacy/AmountBucketerTest.php
@@ -0,0 +1,38 @@
+<?php
+
+use TheShit\Finance\Privacy\AmountBucketer;
+
+it('buckets small amounts correctly', function () {
+    $bucketer = new AmountBucketer;
+
+    expect($bucketer->bucket(5.00))->toBe('under $10')
+        ->and($bucketer->bucket(9.99))->toBe('under $10');
+});
+
+it('buckets mid-range amounts correctly', function () {
+    $bucketer = new AmountBucketer;
+
+    expect($bucketer->bucket(50.00))->toBe('$50–$100')
+        ->and($bucketer->bucket(99.99))->toBe('$50–$100')
+        ->and($bucketer->bucket(100.00))->toBe('$100–$250');
+});
+
+it('handles exact bucket boundaries', function () {
+    $bucketer = new AmountBucketer;
+
+    expect($bucketer->bucket(10.00))->toBe('$10–$25')
+        ->and($bucketer->bucket(25.00))->toBe('$25–$50')
+        ->and($bucketer->bucket(500.00))->toBe('$500–$1,000');
+});
+
+it('buckets large amounts correctly', function () {
+    $bucketer = new AmountBucketer;
+
+    expect($bucketer->bucket(15000.00))->toBe('over $10,000');
+});
+
+it('handles negative amounts (credits) by absolute value', function () {
+    $bucketer = new AmountBucketer;
+
+    expect($bucketer->bucket(-75.00))->toBe('$50–$100');
+});
diff --git a/tests/Unit/Privacy/CloudPayloadTest.php b/tests/Unit/Privacy/CloudPayloadTest.php
new file mode 100644
index 0000000..115fbf7
--- /dev/null
+++ b/tests/Unit/Privacy/CloudPayloadTest.php
@@ -0,0 +1,51 @@
+<?php
+
+use TheShit\Finance\Privacy\CloudPayload;
+
+it('stores task and data', function () {
+    $payload = new CloudPayload(
+        task: 'spending summary',
+        data: ['Groceries' => ['count' => 5]],
+    );
+
+    expect($payload->task)->toBe('spending summary')
+        ->and($payload->data)->toBe(['Groceries' => ['count' => 5]])
+        ->and($payload->meta)->toBe([]);
+});
+
+it('stores optional meta', function () {
+    $payload = new CloudPayload(
+        task: 'cashflow',
+        data: [],
+        meta: ['fallback' => true],
+    );
+
+    expect($payload->meta)->toBe(['fallback' => true]);
+});
+
+it('converts to array', function () {
+    $payload = new CloudPayload(
+        task: 'spending summary',
+        data: ['key' => 'value'],
+        meta: ['source' => 'ollama'],
+    );
+
+    expect($payload->toArray())->toBe([
+        'task' => 'spending summary',
+        'data' => ['key' => 'value'],
+        'meta' => ['source' => 'ollama'],
+    ]);
+});
+
+it('converts to json', function () {
+    $payload = new CloudPayload(
+        task: 'balances',
+        data: ['checking' => '$1,000'],
+    );
+
+    $json = $payload->toJson();
+    $decoded = json_decode($json, true);
+
+    expect($decoded['task'])->toBe('balances')
+        ->and($decoded['data']['checking'])->toBe('$1,000');
+});
diff --git a/tests/Unit/Privacy/PrivacyTransformerTest.php b/tests/Unit/Privacy/PrivacyTransformerTest.php
new file mode 100644
index 0000000..a4a3206
--- /dev/null
+++ b/tests/Unit/Privacy/PrivacyTransformerTest.php
@@ -0,0 +1,156 @@
+<?php
+
+use Carbon\Carbon;
+use Prism\Prism\Facades\Prism;
+use Prism\Prism\Testing\TextResponseFake;
+use TheShit\Finance\Plaid\DTOs\Transaction;
+use TheShit\Finance\Privacy\AmountBucketer;
+use TheShit\Finance\Privacy\CloudPayload;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+
+function makeTransaction(array $overrides = []): Transaction
+{
+    return Transaction::fromPlaid(array_merge([
+        'transaction_id'    => 'txn_'.uniqid(),
+        'account_id'        => 'acc_123',
+        'amount'            => 75.00,
+        'iso_currency_code' => 'USD',
+        'name'              => 'Whole Foods',
+        'merchant_name'     => 'Whole Foods',
+        'date'              => '2026-04-01',
+        'category'          => ['Food and Drink', 'Groceries'],
+        'payment_channel'   => 'in store',
+        'pending'           => false,
+    ], $overrides));
+}
+
+it('returns CloudPayload in passthrough mode', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction()]);
+    $payload = $transformer->prepare($transactions, 'spending summary');
+
+    expect($payload)->toBeInstanceOf(CloudPayload::class)
+        ->and($payload->task)->toBe('spending summary')
+        ->and($payload->data)->toBeArray()
+        ->and($payload->data[0])->toHaveKeys(['amount', 'type', 'category', 'channel', 'month', 'pending']);
+});
+
+it('rule-strips exact amounts to buckets', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction(['amount' => 75.00])]);
+    $payload = $transformer->prepare($transactions, 'test');
+
+    expect($payload->data[0]['amount'])->toBe('$50–$100');
+});
+
+it('labels debits and credits correctly', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([
+        makeTransaction(['amount' =>  50.00]),
+        makeTransaction(['amount' => -1500.00]),
+    ]);
+
+    $payload = $transformer->prepare($transactions, 'test');
+
+    expect($payload->data[0]['type'])->toBe('debit')
+        ->and($payload->data[1]['type'])->toBe('credit');
+});
+
+it('drops day from date, keeps year-month', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction(['date' => '2026-04-15'])]);
+    $payload = $transformer->prepare($transactions, 'test');
+
+    expect($payload->data[0]['month'])->toBe('2026-04');
+});
+
+it('falls back to Uncategorized when category is empty', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction(['category' => []])]);
+    $payload = $transformer->prepare($transactions, 'test');
+
+    expect($payload->data[0]['category'])->toBe('Uncategorized');
+});
+
+it('uses most specific plaid category level', function () {
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'passthrough',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction(['category' => ['Food and Drink', 'Restaurants', 'Fast Food']])]);
+    $payload = $transformer->prepare($transactions, 'test');
+
+    expect($payload->data[0]['category'])->toBe('Fast Food');
+});
+
+it('calls ollama and returns reduced payload', function () {
+    $fake = Prism::fake([
+        TextResponseFake::make()->withText('{"Groceries":{"count":3,"range":"$50-$100"}}'),
+    ]);
+
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'ollama',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction()]);
+    $payload = $transformer->prepare($transactions, 'spending by category');
+
+    expect($payload)->toBeInstanceOf(CloudPayload::class)
+        ->and($payload->data)->toHaveKey('Groceries');
+});
+
+it('falls back to rule-stripped data when ollama returns invalid json', function () {
+    Prism::fake([
+        TextResponseFake::make()->withText('this is not json at all'),
+    ]);
+
+    $transformer = new PrivacyTransformer(
+        bucketer:  new AmountBucketer,
+        driver:    'ollama',
+        model:     'llama3.2',
+        endpoint:  'http://localhost:11434',
+    );
+
+    $transactions = collect([makeTransaction()]);
+    $payload = $transformer->prepare($transactions, 'spending by category');
+
+    expect($payload->meta)->toHaveKey('fallback')
+        ->and($payload->meta['fallback'])->toBeTrue()
+        ->and($payload->data)->toBeArray();
+});
diff --git a/tests/Unit/Providers/PlaidProviderTest.php b/tests/Unit/Providers/PlaidProviderTest.php
new file mode 100644
index 0000000..9f72709
--- /dev/null
+++ b/tests/Unit/Providers/PlaidProviderTest.php
@@ -0,0 +1,164 @@
+<?php
+
+use Saloon\Http\Faking\MockClient;
+use Saloon\Http\Faking\MockResponse;
+use TheShit\Finance\Plaid\DTOs\Account;
+use TheShit\Finance\Plaid\DTOs\Transaction;
+use TheShit\Finance\Plaid\PlaidConnector;
+use TheShit\Finance\Plaid\Requests\GetAccounts;
+use TheShit\Finance\Plaid\Requests\SyncTransactions;
+use TheShit\Finance\Contracts\SyncResult;
+use TheShit\Finance\Providers\PlaidProvider;
+
+function makePlaidAccount(string $id = 'acc_1'): array
+{
+    return [
+        'account_id'    => $id,
+        'name'          => 'Checking',
+        'official_name' => 'Premier Checking',
+        'type'          => 'depository',
+        'subtype'       => 'checking',
+        'balances'      => [
+            'available'         => 1000.00,
+            'current'           => 1100.00,
+            'limit'             => null,
+            'iso_currency_code' => 'USD',
+        ],
+    ];
+}
+
+function makePlaidTransaction(string $id = 'txn_1', string $date = '2026-04-01'): array
+{
+    return [
+        'transaction_id'    => $id,
+        'account_id'        => 'acc_1',
+        'amount'            => 42.50,
+        'iso_currency_code' => 'USD',
+        'name'              => 'Coffee Shop',
+        'date'              => $date,
+        'category'          => ['Food and Drink'],
+        'payment_channel'   => 'in store',
+        'pending'           => false,
+    ];
+}
+
+it('returns typed account collection', function () {
+    $mockClient = new MockClient([
+        GetAccounts::class => MockResponse::make([
+            'accounts' => [makePlaidAccount('acc_1'), makePlaidAccount('acc_2')],
+        ]),
+    ]);
+
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    $connector->withMockClient($mockClient);
+
+    $provider = new PlaidProvider($connector, 'access-token');
+    $accounts = $provider->accounts();
+
+    expect($accounts)->toHaveCount(2)
+        ->and($accounts->first())->toBeInstanceOf(Account::class)
+        ->and($accounts->first()->accountId)->toBe('acc_1');
+});
+
+it('returns sync result with typed collections', function () {
+    $mockClient = new MockClient([
+        SyncTransactions::class => MockResponse::make([
+            'added'       => [makePlaidTransaction('txn_1')],
+            'modified'    => [],
+            'removed'     => [],
+            'next_cursor' => 'cursor_next',
+            'has_more'    => false,
+        ]),
+    ]);
+
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    $connector->withMockClient($mockClient);
+
+    $provider = new PlaidProvider($connector, 'access-token');
+    $result   = $provider->sync();
+
+    expect($result)->toBeInstanceOf(SyncResult::class)
+        ->and($result->added)->toHaveCount(1)
+        ->and($result->added->first())->toBeInstanceOf(Transaction::class)
+        ->and($result->nextCursor)->toBe('cursor_next')
+        ->and($result->hasMore)->toBeFalse();
+});
+
+it('passes cursor to sync request', function () {
+    $mockClient = new MockClient([
+        SyncTransactions::class => MockResponse::make([
+            'added'       => [],
+            'modified'    => [],
+            'removed'     => [],
+            'next_cursor' => 'cursor_2',
+            'has_more'    => false,
+        ]),
+    ]);
+
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    $connector->withMockClient($mockClient);
+
+    $provider = new PlaidProvider($connector, 'access-token');
+    $result   = $provider->sync('cursor_1');
+
+    expect($result->nextCursor)->toBe('cursor_2');
+});
+
+it('filters transactions by date range', function () {
+    $mockClient = new MockClient([
+        SyncTransactions::class => MockResponse::make([
+            'added'       => [
+                makePlaidTransaction('txn_april', '2026-04-05'),
+                makePlaidTransaction('txn_march', '2026-03-05'),
+            ],
+            'modified'    => [],
+            'removed'     => [],
+            'next_cursor' => 'done',
+            'has_more'    => false,
+        ]),
+    ]);
+
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    $connector->withMockClient($mockClient);
+
+    $provider      = new PlaidProvider($connector, 'access-token');
+    $transactions  = $provider->transactions(
+        Carbon\Carbon::parse('2026-04-01'),
+        Carbon\Carbon::parse('2026-04-30'),
+    );
+
+    expect($transactions)->toHaveCount(1)
+        ->and($transactions->first()->transactionId)->toBe('txn_april');
+});
+
+it('paginates through all pages when has_more is true', function () {
+    $mockClient = new MockClient([
+        SyncTransactions::class => MockResponse::makeSequence([
+            MockResponse::make([
+                'added'       => [makePlaidTransaction('txn_page1', '2026-04-01')],
+                'modified'    => [],
+                'removed'     => [],
+                'next_cursor' => 'cursor_page2',
+                'has_more'    => true,
+            ]),
+            MockResponse::make([
+                'added'       => [makePlaidTransaction('txn_page2', '2026-04-02')],
+                'modified'    => [],
+                'removed'     => [],
+                'next_cursor' => 'cursor_done',
+                'has_more'    => false,
+            ]),
+        ]),
+    ]);
+
+    $connector = new PlaidConnector('id', 'secret', 'sandbox');
+    $connector->withMockClient($mockClient);
+
+    $provider     = new PlaidProvider($connector, 'access-token');
+    $transactions = $provider->transactions(
+        Carbon\Carbon::parse('2026-04-01'),
+        Carbon\Carbon::parse('2026-04-30'),
+    );
+
+    expect($transactions)->toHaveCount(2);
+});
diff --git a/tests/Unit/Tools/FinanceToolsTest.php b/tests/Unit/Tools/FinanceToolsTest.php
new file mode 100644
index 0000000..456d103
--- /dev/null
+++ b/tests/Unit/Tools/FinanceToolsTest.php
@@ -0,0 +1,31 @@
+<?php
+
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Tools\FinanceTools;
+
+beforeEach(function () {
+    $this->mockProvider    = Mockery::mock(FinanceDataProvider::class);
+    $this->mockTransformer = Mockery::mock(PrivacyTransformer::class);
+
+    app()->instance(FinanceDataProvider::class, $this->mockProvider);
+    app()->instance(PrivacyTransformer::class, $this->mockTransformer);
+});
+
+it('all() returns three Tool instances', function () {
+    $tools = FinanceTools::all();
+
+    expect($tools)->toHaveCount(3)
+        ->and($tools[0])->toBeInstanceOf(Tool::class)
+        ->and($tools[1])->toBeInstanceOf(Tool::class)
+        ->and($tools[2])->toBeInstanceOf(Tool::class);
+});
+
+it('spending() returns two Tool instances', function () {
+    $tools = FinanceTools::spending();
+
+    expect($tools)->toHaveCount(2)
+        ->and($tools[0])->toBeInstanceOf(Tool::class)
+        ->and($tools[1])->toBeInstanceOf(Tool::class);
+});
diff --git a/tests/Unit/Tools/GetAccountBalancesToolTest.php b/tests/Unit/Tools/GetAccountBalancesToolTest.php
new file mode 100644
index 0000000..47051b7
--- /dev/null
+++ b/tests/Unit/Tools/GetAccountBalancesToolTest.php
@@ -0,0 +1,54 @@
+<?php
+
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Plaid\DTOs\Account;
+use TheShit\Finance\Tools\GetAccountBalancesTool;
+
+beforeEach(function () {
+    $this->mockAccounts = collect([
+        new Account('acc_1', 'Checking', 'Premier Checking', 'depository', 'checking', 1500.00, 1600.00, null, 'USD'),
+        new Account('acc_2', 'Visa',     'Visa Signature',   'credit',     'credit card', 4000.00, 1000.00, 5000.00, 'USD'),
+    ]);
+
+    $this->mockProvider = Mockery::mock(FinanceDataProvider::class);
+    app()->instance(FinanceDataProvider::class, $this->mockProvider);
+});
+
+it('returns a Tool instance with correct name', function () {
+    $this->mockProvider->shouldReceive('accounts')->andReturn($this->mockAccounts);
+
+    $tool = GetAccountBalancesTool::make();
+
+    expect($tool)->toBeInstanceOf(Tool::class)
+        ->and($tool->name())->toBe('get_account_balances');
+});
+
+it('returns json with rounded balances', function () {
+    $this->mockProvider->shouldReceive('accounts')->andReturn($this->mockAccounts);
+
+    $tool   = GetAccountBalancesTool::make();
+    $result = $tool->handle();
+    $data   = json_decode($result, true);
+
+    expect($data)->toHaveCount(2)
+        ->and($data[0]['type'])->toBe('depository')
+        ->and($data[0]['subtype'])->toBe('checking')
+        ->and($data[0]['current'])->toContain('$') // rounded, formatted
+        ->and($data[1]['limit'])->toContain('$5,000');
+});
+
+it('handles null available balance', function () {
+    $accounts = collect([
+        new Account('acc_1', 'Savings', 'Savings', 'depository', 'savings', null, 5000.00, null, 'USD'),
+    ]);
+
+    $this->mockProvider->shouldReceive('accounts')->andReturn($accounts);
+
+    $tool   = GetAccountBalancesTool::make();
+    $result = $tool->handle();
+    $data   = json_decode($result, true);
+
+    expect($data[0]['available'])->toBeNull()
+        ->and($data[0]['limit'])->toBeNull();
+});
diff --git a/tests/Unit/Tools/GetCashflowToolTest.php b/tests/Unit/Tools/GetCashflowToolTest.php
new file mode 100644
index 0000000..a8c9f90
--- /dev/null
+++ b/tests/Unit/Tools/GetCashflowToolTest.php
@@ -0,0 +1,86 @@
+<?php
+
+use Carbon\Carbon;
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Privacy\CloudPayload;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Tools\GetCashflowTool;
+
+beforeEach(function () {
+    Carbon::setTestNow('2026-04-15 12:00:00');
+
+    $this->mockProvider    = Mockery::mock(FinanceDataProvider::class);
+    $this->mockTransformer = Mockery::mock(PrivacyTransformer::class);
+
+    app()->instance(FinanceDataProvider::class, $this->mockProvider);
+    app()->instance(PrivacyTransformer::class, $this->mockTransformer);
+});
+
+afterEach(fn () => Carbon::setTestNow());
+
+it('returns a Tool instance with correct name', function () {
+    $this->mockProvider->shouldReceive('transactions')->andReturn(collect());
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('cashflow', [])
+    );
+
+    $tool = GetCashflowTool::make();
+
+    expect($tool)->toBeInstanceOf(Tool::class)
+        ->and($tool->name())->toBe('get_cashflow');
+});
+
+it('returns json from cloud payload', function () {
+    $this->mockProvider->shouldReceive('transactions')->andReturn(collect());
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('cashflow', ['net' => '$500-$1,000'])
+    );
+
+    $tool   = GetCashflowTool::make();
+    $result = $tool->handle('last_month');
+
+    expect($result)->toBeString()
+        ->and(json_decode($result, true))->toHaveKey('data');
+});
+
+it('uses last_month period correctly', function () {
+    $this->mockProvider
+        ->shouldReceive('transactions')
+        ->withArgs(fn ($from, $to) =>
+            $from->toDateString() === '2026-03-01' &&
+            $to->toDateString() === '2026-03-31'
+        )
+        ->andReturn(collect());
+
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('cashflow', [])
+    );
+
+    $tool = GetCashflowTool::make();
+    $tool->handle('last_month');
+});
+
+it('filters pending transactions', function () {
+    $transactions = collect([
+        \TheShit\Finance\Plaid\DTOs\Transaction::fromPlaid([
+            'transaction_id'    => 'txn_pending',
+            'account_id'        => 'acc_1',
+            'amount'            => 100.00,
+            'iso_currency_code' => 'USD',
+            'name'              => 'Pending',
+            'date'              => '2026-04-10',
+            'payment_channel'   => 'online',
+            'pending'           => true,
+        ]),
+    ]);
+
+    $this->mockProvider->shouldReceive('transactions')->andReturn($transactions);
+    $this->mockTransformer
+        ->shouldReceive('prepare')
+        ->withArgs(fn ($txns) => $txns->isEmpty())
+        ->andReturn(new CloudPayload('cashflow', []));
+
+    $tool = GetCashflowTool::make();
+    $tool->handle('current_month');
+});
diff --git a/tests/Unit/Tools/GetSpendingSummaryToolTest.php b/tests/Unit/Tools/GetSpendingSummaryToolTest.php
new file mode 100644
index 0000000..9d9a049
--- /dev/null
+++ b/tests/Unit/Tools/GetSpendingSummaryToolTest.php
@@ -0,0 +1,103 @@
+<?php
+
+use Carbon\Carbon;
+use Prism\Prism\Tool;
+use TheShit\Finance\Contracts\FinanceDataProvider;
+use TheShit\Finance\Plaid\DTOs\Transaction;
+use TheShit\Finance\Privacy\CloudPayload;
+use TheShit\Finance\Privacy\PrivacyTransformer;
+use TheShit\Finance\Tools\GetSpendingSummaryTool;
+
+beforeEach(function () {
+    Carbon::setTestNow('2026-04-15 12:00:00');
+
+    $this->mockTransactions = collect([
+        Transaction::fromPlaid([
+            'transaction_id'    => 'txn_1',
+            'account_id'        => 'acc_1',
+            'amount'            => 50.00,
+            'iso_currency_code' => 'USD',
+            'name'              => 'Grocery Store',
+            'date'              => '2026-04-05',
+            'category'          => ['Food and Drink', 'Groceries'],
+            'payment_channel'   => 'in store',
+            'pending'           => false,
+        ]),
+    ]);
+
+    $this->mockProvider = Mockery::mock(FinanceDataProvider::class);
+    $this->mockTransformer = Mockery::mock(PrivacyTransformer::class);
+
+    app()->instance(FinanceDataProvider::class, $this->mockProvider);
+    app()->instance(PrivacyTransformer::class, $this->mockTransformer);
+});
+
+afterEach(fn () => Carbon::setTestNow());
+
+it('returns a Tool instance with correct name', function () {
+    $this->mockProvider->shouldReceive('transactions')->andReturn($this->mockTransactions);
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('test', ['Groceries' => 3])
+    );
+
+    $tool = GetSpendingSummaryTool::make();
+
+    expect($tool)->toBeInstanceOf(Tool::class)
+        ->and($tool->name())->toBe('get_spending_summary');
+});
+
+it('filters pending transactions before sending to transformer', function () {
+    $withPending = collect([
+        Transaction::fromPlaid([
+            'transaction_id'    => 'txn_pending',
+            'account_id'        => 'acc_1',
+            'amount'            => 30.00,
+            'iso_currency_code' => 'USD',
+            'name'              => 'Pending Charge',
+            'date'              => '2026-04-10',
+            'category'          => ['Shopping'],
+            'payment_channel'   => 'online',
+            'pending'           => true,
+        ]),
+        ...$this->mockTransactions,
+    ]);
+
+    $this->mockProvider->shouldReceive('transactions')->andReturn($withPending);
+    $this->mockTransformer
+        ->shouldReceive('prepare')
+        ->withArgs(fn ($txns) => $txns->count() === 1) // pending filtered out
+        ->andReturn(new CloudPayload('test', []));
+
+    $tool = GetSpendingSummaryTool::make();
+    $tool->handle('current_month');
+});
+
+it('returns json string from cloud payload', function () {
+    $this->mockProvider->shouldReceive('transactions')->andReturn($this->mockTransactions);
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('spending summary', ['Groceries' => ['count' => 1]])
+    );
+
+    $tool   = GetSpendingSummaryTool::make();
+    $result = $tool->handle('current_month');
+
+    expect($result)->toBeString()
+        ->and(json_decode($result, true))->toHaveKey('data');
+});
+
+it('defaults to current_month when no period given', function () {
+    $this->mockProvider
+        ->shouldReceive('transactions')
+        ->withArgs(fn ($from, $to) =>
+            $from->toDateString() === '2026-04-01' &&
+            $to->toDateString() === '2026-04-15'
+        )
+        ->andReturn(collect());
+
+    $this->mockTransformer->shouldReceive('prepare')->andReturn(
+        new CloudPayload('test', [])
+    );
+
+    $tool = GetSpendingSummaryTool::make();
+    $tool->handle();
+});
diff --git a/tests/Unit/Tools/ResolvePeriodTest.php b/tests/Unit/Tools/ResolvePeriodTest.php
new file mode 100644
index 0000000..3ffe04d
--- /dev/null
+++ b/tests/Unit/Tools/ResolvePeriodTest.php
@@ -0,0 +1,39 @@
+<?php
+
+use Carbon\Carbon;
+use TheShit\Finance\Tools\GetSpendingSummaryTool;
+
+// Access the trait via a concrete tool class
+beforeEach(fn () => Carbon::setTestNow('2026-04-15 12:00:00'));
+afterEach(fn () => Carbon::setTestNow());
+
+it('resolves current_month to start of month through today', function () {
+    // Use reflection to test the protected trait method
+    $method = new ReflectionMethod(GetSpendingSummaryTool::class, 'resolvePeriod');
+    $method->setAccessible(true);
+
+    [$from, $to] = $method->invoke(null, 'current_month');
+
+    expect($from->toDateString())->toBe('2026-04-01')
+        ->and($to->toDateString())->toBe('2026-04-15');
+});
+
+it('resolves last_month to the full previous month', function () {
+    $method = new ReflectionMethod(GetSpendingSummaryTool::class, 'resolvePeriod');
+    $method->setAccessible(true);
+
+    [$from, $to] = $method->invoke(null, 'last_month');
+
+    expect($from->toDateString())->toBe('2026-03-01')
+        ->and($to->toDateString())->toBe('2026-03-31');
+});
+
+it('resolves last_30_days to a rolling window', function () {
+    $method = new ReflectionMethod(GetSpendingSummaryTool::class, 'resolvePeriod');
+    $method->setAccessible(true);
+
+    [$from, $to] = $method->invoke(null, 'last_30_days');
+
+    expect($from->toDateString())->toBe('2026-03-16')
+        ->and($to->toDateString())->toBe('2026-04-15');
+});