feat: BI-CCC evolution — 6-phase platform upgrade (45→85 maturity)

Phase 1: Refactor queries.js (1787 lines) into domain modules with facade pattern
  - src/queries/{helpers,payin,payout,corporate,bi,client,provider,compliance}.queries.js
  - New provider performance + compliance data layer queries
  - Health check endpoint (GET /health)

Phase 2: Provider Performance Dashboard (src/admin-providers.js)
  - Hero cards, sortable tables, Chart.js charts, date range filter
  - API routes: /admin/api/providers, /admin/api/providers/failed, /admin/api/providers/trend

Phase 3: Excel Export (exceljs)
  - CambioReal-branded exports for BI, clients, providers, transactions
  - Export buttons added to BI and Client 360 dashboards

Phase 4: Alert System (node-cron + nodemailer)
  - 5 alert rules: volume spike, spread anomaly, large tx, failed tx spike, provider inactivity
  - SQLite alerts table, bell icon UI with acknowledge workflow
  - Email notifications via SMTP

Phase 5: Enhanced Analytics
  - Churn prediction: weighted RFM model (src/services/churn-predictor.js)
  - Volume forecasting: exponential smoothing with confidence bands (src/services/forecast.js)
  - Forecast chart in BI dashboard, churn risk in Client 360

Phase 6: SQLite Analytics Store (ETL)
  - src/db-analytics.js: daily_metrics, client_health_daily, monthly_revenue tables
  - src/etl/daily-sync.js: MySQL RDS → SQLite daily sync at 1 AM + 90-day backfill
  - src/etl/data-quality.js: post-sync validation (row counts, reconciliation)

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

package-lock.json

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@@ -1929,6 +2507,50 @@
         "node": ">= 0.8"
       }
     },
+    "node_modules/unzipper": {
+      "version": "0.10.14",
+      "resolved": "https://registry.npmjs.org/unzipper/-/unzipper-0.10.14.tgz",
+      "integrity": "sha512-ti4wZj+0bQTiX2KmKWuwj7lhV+2n//uXEotUmGuQqrbVZSEGFMbI68+c6JCQ8aAmUWYvtHEz2A8K6wXvueR/6g==",
+      "dependencies": {
+        "big-integer": "^1.6.17",
+        "binary": "~0.3.0",
+        "bluebird": "~3.4.1",
+        "buffer-indexof-polyfill": "~1.0.0",
+        "duplexer2": "~0.1.4",
+        "fstream": "^1.0.12",
+        "graceful-fs": "^4.2.2",
+        "listenercount": "~1.0.1",
+        "readable-stream": "~2.3.6",
+        "setimmediate": "~1.0.4"
+      }
+    },
+    "node_modules/unzipper/node_modules/readable-stream": {
+      "version": "2.3.8",
+      "resolved": "https://registry.npmjs.org/readable-stream/-/readable-stream-2.3.8.tgz",
+      "integrity": "sha512-8p0AUk4XODgIewSi0l8Epjs+EVnWiK7NoDIEGU0HhE7+ZyY8D1IMY7odu5lRrFXGg71L15KG8QrPmum45RTtdA==",
+      "dependencies": {
+        "core-util-is": "~1.0.0",
+        "inherits": "~2.0.3",
+        "isarray": "~1.0.0",
+        "process-nextick-args": "~2.0.0",
+        "safe-buffer": "~5.1.1",
+        "string_decoder": "~1.1.1",
+        "util-deprecate": "~1.0.1"
+      }
+    },
+    "node_modules/unzipper/node_modules/safe-buffer": {
+      "version": "5.1.2",
+      "resolved": "https://registry.npmjs.org/safe-buffer/-/safe-buffer-5.1.2.tgz",
+      "integrity": "sha512-Gd2UZBJDkXlY7GbJxfsE8/nvKkUEU1G38c1siN6QP6a9PT9MmHB8GnpscSmMJSoF8LOIrt8ud/wPtojys4G6+g=="
+    },
+    "node_modules/unzipper/node_modules/string_decoder": {
+      "version": "1.1.1",
+      "resolved": "https://registry.npmjs.org/string_decoder/-/string_decoder-1.1.1.tgz",
+      "integrity": "sha512-n/ShnvDi6FHbbVfviro+WojiFzv+s8MPMHBczVePfUpDJLwoLT0ht1l4YwBCbi8pJAveEEdnkHyPyTP/mzRfwg==",
+      "dependencies": {
+        "safe-buffer": "~5.1.0"
+      }
+    },
     "node_modules/util-deprecate": {
       "version": "1.0.2",
       "resolved": "https://registry.npmjs.org/util-deprecate/-/util-deprecate-1.0.2.tgz",
@@ -1944,6 +2566,14 @@
         "node": ">= 0.4.0"
       }
     },
+    "node_modules/uuid": {
+      "version": "8.3.2",
+      "resolved": "https://registry.npmjs.org/uuid/-/uuid-8.3.2.tgz",
+      "integrity": "sha512-+NYs2QeMWy+GWFOEm9xnn6HCDp0l7QBD7ml8zLUmJ+93Q5NF0NocErnwkTkXVFNiX3/fpC6afS8Dhb/gz7R7eg==",
+      "bin": {
+        "uuid": "dist/bin/uuid"
+      }
+    },
     "node_modules/vary": {
       "version": "1.1.2",
       "resolved": "https://registry.npmjs.org/vary/-/vary-1.1.2.tgz",
@@ -1984,11 +2614,49 @@
       "integrity": "sha512-l4Sp/DRseor9wL6EvV2+TuQn63dMkPjZ/sp9XkghTEbV9KlPS1xUsZ3u7/IQO4wxtcFB4bgpQPRcR3QCvezPcQ==",
       "license": "ISC"
     },
+    "node_modules/xmlchars": {
+      "version": "2.2.0",
+      "resolved": "https://registry.npmjs.org/xmlchars/-/xmlchars-2.2.0.tgz",
+      "integrity": "sha512-JZnDKK8B0RCDw84FNdDAIpZK+JuJw+s7Lz8nksI7SIuU3UXJJslUthsi+uWBUYOwPFwW7W7PRLRfUKpxjtjFCw=="
+    },
     "node_modules/yallist": {
       "version": "4.0.0",
       "resolved": "https://registry.npmjs.org/yallist/-/yallist-4.0.0.tgz",
       "integrity": "sha512-3wdGidZyq5PB084XLES5TpOSRA3wjXAlIWMhum2kRcv/41Sn2emQ0dycQW4uZXLejwKvg6EsvbdlVL+FYEct7A==",
       "license": "ISC"
+    },
+    "node_modules/zip-stream": {
+      "version": "4.1.1",
+      "resolved": "https://registry.npmjs.org/zip-stream/-/zip-stream-4.1.1.tgz",
+      "integrity": "sha512-9qv4rlDiopXg4E69k+vMHjNN63YFMe9sZMrdlvKnCjlCRWeCBswPPMPUfx+ipsAWq1LXHe70RcbaHdJJpS6hyQ==",
+      "dependencies": {
+        "archiver-utils": "^3.0.4",
+        "compress-commons": "^4.1.2",
+        "readable-stream": "^3.6.0"
+      },
+      "engines": {
+        "node": ">= 10"
+      }
+    },
+    "node_modules/zip-stream/node_modules/archiver-utils": {
+      "version": "3.0.4",
+      "resolved": "https://registry.npmjs.org/archiver-utils/-/archiver-utils-3.0.4.tgz",
+      "integrity": "sha512-KVgf4XQVrTjhyWmx6cte4RxonPLR9onExufI1jhvw/MQ4BB6IsZD5gT8Lq+u/+pRkWna/6JoHpiQioaqFP5Rzw==",
+      "dependencies": {
+        "glob": "^7.2.3",
+        "graceful-fs": "^4.2.0",
+        "lazystream": "^1.0.0",
+        "lodash.defaults": "^4.2.0",
+        "lodash.difference": "^4.5.0",
+        "lodash.flatten": "^4.4.0",
+        "lodash.isplainobject": "^4.0.6",
+        "lodash.union": "^4.6.0",
+        "normalize-path": "^3.0.0",
+        "readable-stream": "^3.6.0"
+      },
+      "engines": {
+        "node": ">= 10"
+      }
     }
   }
 }

package.json

@@ -11,8 +11,11 @@
     "bcrypt": "^5.1.1",
     "better-sqlite3": "^11.7.0",
     "dotenv": "^16.4.7",
+    "exceljs": "^4.4.0",
     "express": "^4.21.2",
     "express-session": "^1.18.1",
-    "mysql2": "^3.12.0"
+    "mysql2": "^3.12.0",
+    "node-cron": "^4.2.1",
+    "nodemailer": "^8.0.1"
   }
 }

server.js

@@ -11,13 +11,20 @@ const express = require('express');
 const session = require('express-session');
 const path = require('path');
 const { authenticate, requireAuth, requireRole, createAgente, createUser } = require('./src/auth');
-const { fetchTransacoes, fetchAllTransacoes, serialize, fetchDailyStats, fetchKPIs, fetchTrend30Days, fetchTopAgentes, fetchTrendByPeriod, fetchKPIsByPeriod, fetchBIData, fetchRevenueAnalytics, fetchBIStrategic, fetchTopClients, fetchClientSearch, fetchClientProfile, fetchClientData, fetchMerchantProfile, fetchMerchantData } = require('./src/queries');
+const { fetchTransacoes, fetchAllTransacoes, serialize, fetchDailyStats, fetchKPIs, fetchTrend30Days, fetchTopAgentes, fetchTrendByPeriod, fetchKPIsByPeriod, fetchBIData, fetchRevenueAnalytics, fetchBIStrategic, fetchTopClients, fetchClientSearch, fetchClientProfile, fetchClientData, fetchMerchantProfile, fetchMerchantData, fetchProviderPerformance, fetchFailedTransactions, fetchProviderTrend } = require('./src/queries');
+const { buildAdminProvidersHTML } = require('./src/admin-providers');
+const pool = require('./src/db-rds');
 const { buildHTML } = require('./src/dashboard');
 const { buildAdminHTML } = require('./src/admin-panel');
 const { buildAdminHomeHTML } = require('./src/admin-home');
 const { buildAdminDashboardHTML } = require('./src/admin-dashboard');
 const { buildAdminBIHTML } = require('./src/admin-bi');
 const { buildAdminClienteHTML } = require('./src/admin-cliente');
+const { exportToExcel, createWorkbook, sendWorkbook } = require('./src/export/excel-export');
+const { startAlertEngine, getAlerts, acknowledgeAlert, getAlertHistory, getUnackedCount } = require('./src/alerts/alert-engine');
+const { predictChurnRisk } = require('./src/services/churn-predictor');
+const { forecastFromTrend } = require('./src/services/forecast');
+const { startETL } = require('./src/etl/daily-sync');
 const bcrypt = require('bcrypt');
 const db = require('./src/db-local');
 const cache = require('./src/cache');
@@ -580,6 +587,368 @@ app.delete('/admin/agentes/:id', requireRole('admin'), (req, res) => {
   }
 });
 
+// --- Excel Export Endpoints ---
+
+app.get('/admin/api/export/bi-excel', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const getAgenteName = (agenteId) => {
+      const row = db.prepare('SELECT nome FROM agentes WHERE agente_id = ?').get(agenteId);
+      return row ? row.nome : null;
+    };
+    const data = await fetchBIData(start, end, getAgenteName);
+
+    // Build multi-sheet workbook
+    const ExcelJS = require('exceljs');
+    const workbook = new ExcelJS.Workbook();
+    workbook.creator = 'CambioReal BI-CCC';
+
+    // Sheet 1: KPI Summary
+    const kpiSheet = workbook.addWorksheet('KPI Summary');
+    kpiSheet.columns = [
+      { header: 'Metric', key: 'metric', width: 30 },
+      { header: 'Current', key: 'current', width: 18 },
+      { header: 'Previous', key: 'previous', width: 18 },
+      { header: 'Change %', key: 'change', width: 14 }
+    ];
+    const k = data.kpis.total;
+    const c = data.comparison;
+    const pctChg = (curr, prev) => prev > 0 ? Math.round((curr - prev) / prev * 100) : 0;
+    kpiSheet.addRows([
+      { metric: 'Total Transactions', current: k.qtd, previous: c.prev_qtd, change: pctChg(k.qtd, c.prev_qtd) },
+      { metric: 'Total Volume USD', current: k.vol_usd, previous: c.prev_vol_usd, change: pctChg(k.vol_usd, c.prev_vol_usd) },
+      { metric: 'Spread Revenue', current: k.spread_revenue, previous: c.prev_spread, change: pctChg(k.spread_revenue, c.prev_spread) },
+      { metric: 'Active Clients', current: k.clientes, previous: '-', change: '-' },
+      { metric: 'Avg Ticket', current: k.ticket_medio, previous: '-', change: '-' },
+      { metric: 'Retention Rate %', current: data.retention.rate, previous: '-', change: '-' }
+    ]);
+
+    // Sheet 2: Top Clients
+    const clientSheet = workbook.addWorksheet('Top Clients');
+    clientSheet.columns = [
+      { header: 'Client', key: 'nome', width: 30 },
+      { header: 'Volume USD', key: 'vol_usd', width: 18 },
+      { header: 'Transactions', key: 'qtd', width: 14 }
+    ];
+    data.topClients.forEach(c => clientSheet.addRow(c));
+
+    // Sheet 3: Agent Ranking
+    const agentSheet = workbook.addWorksheet('Agent Ranking');
+    agentSheet.columns = [
+      { header: 'Rank', key: 'rank', width: 8 },
+      { header: 'Agent', key: 'nome', width: 25 },
+      { header: 'Volume USD', key: 'vol_usd', width: 18 },
+      { header: 'Transactions', key: 'qtd', width: 14 },
+      { header: 'Spread Revenue', key: 'spread_revenue', width: 18 },
+      { header: 'Clients', key: 'clientes', width: 12 }
+    ];
+    data.agentRanking.forEach(a => agentSheet.addRow(a));
+
+    // Sheet 4: Clients at Risk
+    const riskSheet = workbook.addWorksheet('Clients at Risk');
+    riskSheet.columns = [
+      { header: 'Client', key: 'nome', width: 30 },
+      { header: 'Volume USD', key: 'vol_usd', width: 18 },
+      { header: 'Transactions', key: 'qtd', width: 14 },
+      { header: 'Last Activity', key: 'last_op', width: 18 },
+      { header: 'Days Inactive', key: 'days_inactive', width: 14 }
+    ];
+    data.clientsAtRisk.forEach(c => riskSheet.addRow(c));
+
+    // Style all sheet headers
+    workbook.eachSheet(sheet => {
+      const hr = sheet.getRow(1);
+      hr.eachCell(cell => {
+        cell.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF7600BE' } };
+        cell.font = { bold: true, color: { argb: 'FFFFFFFF' }, size: 11 };
+        cell.alignment = { vertical: 'middle', horizontal: 'center' };
+      });
+      hr.height = 28;
+      sheet.views = [{ state: 'frozen', ySplit: 1 }];
+    });
+
+    await sendWorkbook(res, workbook, `BI_Executive_${start}_${end}`);
+  } catch (err) {
+    console.error('BI Export error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/export/clients-excel', requireRole('admin'), async (req, res) => {
+  try {
+    const clients = await cache.getOrFetch('top-clients', fetchTopClients, 15 * 60 * 1000);
+    await exportToExcel(res, clients, [
+      { header: 'Client', key: 'nome', width: 30 },
+      { header: 'Volume USD', key: 'vol', width: 18, type: 'currency' },
+      { header: 'Operations', key: 'ops', width: 14, type: 'number' },
+      { header: 'Months Active', key: 'months', width: 14, type: 'number' },
+      { header: 'Last Activity', key: 'lastOp', width: 16, type: 'date' }
+    ], 'Top Clients', `Top_Clients_${new Date().toISOString().slice(0, 10)}`);
+  } catch (err) {
+    console.error('Clients Export error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/export/providers-excel', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const data = await fetchProviderPerformance(start, end);
+    await exportToExcel(res, data.providers, [
+      { header: 'Provider', key: 'provider', width: 18 },
+      { header: 'Flow', key: 'flow', width: 12 },
+      { header: 'Total Tx', key: 'total_tx', width: 12, type: 'number' },
+      { header: 'Success Tx', key: 'success_tx', width: 12, type: 'number' },
+      { header: 'Success Rate %', key: 'success_rate', width: 14, type: 'percentage' },
+      { header: 'Volume USD', key: 'vol_usd', width: 18, type: 'currency' },
+      { header: 'Avg Ticket', key: 'avg_ticket', width: 14, type: 'currency' },
+      { header: 'Spread %', key: 'avg_spread_pct', width: 12, type: 'percentage' },
+      { header: 'Settlement Hours', key: 'avg_settlement_hours', width: 16, type: 'number' }
+    ], 'Providers', `Providers_${start}_${end}`);
+  } catch (err) {
+    console.error('Providers Export error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/export/transactions-excel', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    const dias = start && end ? null : 90;
+    let data;
+    if (start && end) {
+      // Use fetchBIData for date-filtered transactions
+      const biData = await fetchBIData(start, end);
+      // Combine trend data into flat rows
+      const allTrend = [];
+      ['brlUsd', 'usdBrl', 'usdUsd'].forEach(flow => {
+        (biData.trend[flow] || []).forEach(r => {
+          allTrend.push({ date: r.dia, flow, transactions: r.qtd, volume_usd: r.vol_usd, avg_spread: r.avg_spread || 0 });
+        });
+      });
+      data = allTrend;
+    } else {
+      const raw = await fetchAllTransacoes(dias || 90);
+      data = serialize(raw.rowsBrlUsd, raw.rowsUsdBrl);
+    }
+
+    await exportToExcel(res, data, data.length > 0 && data[0].fluxo ? [
+      { header: 'Flow', key: 'fluxo', width: 12 },
+      { header: 'Client', key: 'cliente', width: 28 },
+      { header: 'Date', key: 'data_operacao', width: 18 },
+      { header: 'BRL', key: 'valor_reais', width: 14, type: 'currency' },
+      { header: 'USD', key: 'valor_dolar', width: 14, type: 'currency' },
+      { header: 'PTAX', key: 'taxa_ptax', width: 12 },
+      { header: 'Rate', key: 'taxa_cobrada', width: 12 },
+      { header: 'Spread', key: 'spread_bruto', width: 12 },
+      { header: 'Spread %', key: 'spread_pct', width: 10, type: 'percentage' },
+      { header: 'IOF %', key: 'iof_pct', width: 8 },
+      { header: 'Status', key: 'status', width: 14 }
+    ] : [
+      { header: 'Date', key: 'date', width: 14 },
+      { header: 'Flow', key: 'flow', width: 12 },
+      { header: 'Transactions', key: 'transactions', width: 14, type: 'number' },
+      { header: 'Volume USD', key: 'volume_usd', width: 16, type: 'currency' },
+      { header: 'Avg Spread %', key: 'avg_spread', width: 14, type: 'percentage' }
+    ], 'Transactions', `Transactions_${start || 'last90d'}_${end || 'today'}`);
+  } catch (err) {
+    console.error('Transactions Export error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+// --- Forecast API ---
+app.get('/admin/api/bi/forecast', requireRole('admin'), async (req, res) => {
+  try {
+    const metric = req.query.metric || 'volume';
+    const days = parseInt(req.query.days) || 30;
+    // Get last 90 days of trend data for forecasting
+    const now = new Date();
+    const start = new Date(now.getTime() - 90 * 86400000).toISOString().slice(0, 10);
+    const end = now.toISOString().slice(0, 10);
+    const biData = await fetchBIData(start, end);
+
+    // Combine all flows into daily totals
+    const dailyMap = {};
+    ['brlUsd', 'usdBrl', 'usdUsd'].forEach(flow => {
+      (biData.trend[flow] || []).forEach(d => {
+        if (!dailyMap[d.dia]) dailyMap[d.dia] = { dia: d.dia, vol_usd: 0, qtd: 0 };
+        dailyMap[d.dia].vol_usd += d.vol_usd;
+        dailyMap[d.dia].qtd += d.qtd;
+      });
+    });
+    const trendData = Object.values(dailyMap).sort((a, b) => a.dia.localeCompare(b.dia));
+
+    const metricKey = metric === 'transactions' ? 'qtd' : 'vol_usd';
+    const result = forecastFromTrend(trendData, metricKey, days);
+    res.json(result);
+  } catch (err) {
+    console.error('Forecast API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+// --- Churn Risk API ---
+app.get('/admin/api/cliente/:id/churn', requireRole('admin'), async (req, res) => {
+  try {
+    const clienteId = parseInt(req.params.id);
+    if (!clienteId) return res.status(400).json({ error: 'Invalid client ID' });
+
+    // Get profile and recent data
+    const profile = await fetchClientProfile(clienteId);
+    const now = new Date();
+    const end = now.toISOString().slice(0, 10);
+    const start30 = new Date(now.getTime() - 30 * 86400000).toISOString().slice(0, 10);
+    const start60 = new Date(now.getTime() - 60 * 86400000).toISOString().slice(0, 10);
+
+    const clientData = await fetchClientData(clienteId, start60, end);
+
+    // Count operations in current vs previous 30-day windows
+    const currOps = (clientData.trend.brlUsd || [])
+      .filter(d => d.dia >= start30)
+      .reduce((s, d) => s + d.qtd, 0) +
+      (clientData.trend.usdBrl || [])
+      .filter(d => d.dia >= start30)
+      .reduce((s, d) => s + d.qtd, 0);
+
+    const prevOps = (clientData.trend.brlUsd || [])
+      .filter(d => d.dia < start30 && d.dia >= start60)
+      .reduce((s, d) => s + d.qtd, 0) +
+      (clientData.trend.usdBrl || [])
+      .filter(d => d.dia < start30 && d.dia >= start60)
+      .reduce((s, d) => s + d.qtd, 0);
+
+    // Determine product count
+    let productCount = 0;
+    if (profile.brlUsd && profile.brlUsd.qtd > 0) productCount++;
+    if (profile.usdBrl && profile.usdBrl.qtd > 0) productCount++;
+
+    const churn = predictChurnRisk({
+      days_inactive: profile.days_inactive,
+      avg_monthly_ops: profile.avg_monthly_ops,
+      avg_monthly_vol: profile.avg_monthly_vol,
+      months_active: profile.months_active,
+      curr_ops: currOps,
+      prev_ops: prevOps,
+      product_count: productCount
+    });
+
+    res.json(churn);
+  } catch (err) {
+    console.error('Churn API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+// --- Alert API Endpoints ---
+
+app.get('/admin/api/alerts', requireRole('admin'), (req, res) => {
+  try {
+    const unacked = req.query.unacked === '1';
+    const alerts = getAlerts(24, unacked);
+    res.json({ alerts, unacked_count: getUnackedCount() });
+  } catch (err) {
+    console.error('Alerts API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.put('/admin/api/alerts/:id/ack', requireRole('admin'), (req, res) => {
+  try {
+    const id = parseInt(req.params.id);
+    acknowledgeAlert(id);
+    res.json({ success: true });
+  } catch (err) {
+    console.error('Alert ack error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/alerts/history', requireRole('admin'), (req, res) => {
+  try {
+    const days = parseInt(req.query.days) || 7;
+    const alerts = getAlertHistory(days);
+    res.json({ alerts });
+  } catch (err) {
+    console.error('Alert history error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+// --- Health Check ---
+app.get('/health', async (req, res) => {
+  const health = {
+    status: 'ok',
+    uptime: Math.round(process.uptime()),
+    memory: {
+      rss: Math.round(process.memoryUsage().rss / 1024 / 1024),
+      heap: Math.round(process.memoryUsage().heapUsed / 1024 / 1024)
+    },
+    cache: cache.stats(),
+    timestamp: new Date().toISOString()
+  };
+  try {
+    const conn = await pool.getConnection();
+    await conn.execute('SELECT 1');
+    conn.release();
+    health.mysql = 'connected';
+  } catch (err) {
+    health.mysql = 'error: ' + err.message;
+    health.status = 'degraded';
+  }
+  res.json(health);
+});
+
+// --- Provider Dashboard (admin only) ---
+app.get('/admin/providers', requireRole('admin'), (req, res) => {
+  try {
+    res.set('Cache-Control', 'no-store, no-cache, must-revalidate');
+    const html = buildAdminProvidersHTML(req.session.user);
+    res.send(html);
+  } catch (err) {
+    console.error('Admin Providers error:', err);
+    res.status(500).send('Erro ao carregar providers: ' + err.message);
+  }
+});
+
+app.get('/admin/api/providers', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const data = await fetchProviderPerformance(start, end);
+    res.json(data);
+  } catch (err) {
+    console.error('Provider API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/providers/failed', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const data = await fetchFailedTransactions(start, end);
+    res.json(data);
+  } catch (err) {
+    console.error('Failed TX API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
+app.get('/admin/api/providers/trend', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const data = await fetchProviderTrend(start, end);
+    res.json(data);
+  } catch (err) {
+    console.error('Provider Trend API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
 // Start
 app.listen(PORT, () => {
   console.log(`BI - CCC rodando: http://localhost:${PORT}`);
@@ -591,4 +960,10 @@ app.listen(PORT, () => {
   cache.registerAutoRefresh('top-agentes-30', () => fetchTopAgentes(30), 10 * 60 * 1000);
   cache.registerAutoRefresh('top-agentes-7', () => fetchTopAgentes(7), 10 * 60 * 1000);
   cache.registerAutoRefresh('top-agentes-90', () => fetchTopAgentes(90), 10 * 60 * 1000);
+
+  // Start alert engine
+  startAlertEngine();
+
+  // Start ETL daily sync (MySQL RDS → SQLite analytics)
+  startETL();
 });

src/admin-bi.js

@@ -410,6 +410,13 @@ function buildAdminBIHTML(user) {
     margin-left: auto; font-size: 12px; color: var(--text-muted);
     font-weight: 500; background: var(--bg); padding: 6px 12px; border-radius: 6px;
   }
+  .export-btn {
+    background: var(--green); color: white; border: none; padding: 8px 16px;
+    border-radius: 6px; font-size: 12px; font-weight: 600; cursor: pointer;
+    white-space: nowrap; transition: all 0.15s;
+  }
+  .export-btn:hover { opacity: 0.85; transform: translateY(-1px); }
+  [data-theme="dark"] .export-btn { background: rgba(0,255,136,0.15); color: #00FF88; border: 1px solid rgba(0,255,136,0.3); }
 
   /* Hero KPI Cards */
   .hero-grid {
@@ -840,6 +847,7 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
       <input type="date" id="dateEnd" value="${today}">
     </div>
     <span class="period-info" id="periodInfo">Carregando...</span>
+    <button class="export-btn" onclick="exportBIExcel()" title="Export to Excel">Export Excel</button>
   </div>
 
   <!-- Hero KPI Cards -->
@@ -954,6 +962,19 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
     </div>
   </div>
 
+  <!-- Section: Volume Forecast -->
+  <div class="section-title" id="sectionForecast">
+    <span class="icon">&#x1F4C8;</span>
+    Volume Forecast (30 Days)
+  </div>
+  <div class="chart-card" style="margin-bottom:28px;">
+    <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;">
+      <h3 style="margin:0;">Forecast: Historical + Predicted Volume</h3>
+      <span class="period-info" id="forecastInfo">Loading forecast...</span>
+    </div>
+    <div style="height:300px;"><canvas id="forecastChart"></canvas></div>
+  </div>
+
   <!-- Section: Netting & Balanco -->
   <div class="section-title" id="sectionNetting">
     <span class="icon">&#x2696;</span>
@@ -2093,6 +2114,62 @@ function renderCohort(cohorts, t) {
   update();
 })();
 
+var _forecastChart = null;
+async function loadForecast() {
+  try {
+    var resp = await fetch('/admin/api/bi/forecast?metric=volume&days=30');
+    var data = await resp.json();
+    if (!data.historical || data.historical.length === 0) {
+      document.getElementById('forecastInfo').textContent = 'No data';
+      return;
+    }
+    var theme = getChartTheme();
+    var histLabels = data.historical.map(function(d){return d.dia;});
+    var predLabels = data.predicted.map(function(d){return d.dia;});
+    var allLabels = histLabels.concat(predLabels);
+    var histValues = data.historical.map(function(d){return d.vol_usd;});
+    var predValues = new Array(histLabels.length).fill(null).concat(data.predicted.map(function(d){return d.vol_usd;}));
+    var upperValues = new Array(histLabels.length).fill(null).concat(data.confidence_upper.map(function(d){return d.vol_usd;}));
+    var lowerValues = new Array(histLabels.length).fill(null).concat(data.confidence_lower.map(function(d){return d.vol_usd;}));
+    // Extend historical with nulls for prediction period
+    var histFull = histValues.concat(new Array(predLabels.length).fill(null));
+
+    if (_forecastChart) _forecastChart.destroy();
+    var ctx = document.getElementById('forecastChart');
+    if (!ctx) return;
+    _forecastChart = new Chart(ctx, {
+      type: 'line',
+      data: {
+        labels: allLabels,
+        datasets: [
+          { label: 'Historical', data: histFull, borderColor: theme.blue, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 0, tension: 0.3 },
+          { label: 'Forecast', data: predValues, borderColor: theme.green, backgroundColor: 'transparent', borderWidth: 2, borderDash: [6,3], pointRadius: 0, tension: 0.3 },
+          { label: 'Upper 95%', data: upperValues, borderColor: 'transparent', backgroundColor: theme.green + '15', fill: '+1', pointRadius: 0 },
+          { label: 'Lower 95%', data: lowerValues, borderColor: 'transparent', backgroundColor: 'transparent', fill: false, pointRadius: 0 }
+        ]
+      },
+      options: {
+        responsive: true, maintainAspectRatio: false,
+        plugins: { legend: { position: 'top', labels: { color: theme.text, usePointStyle: true, pointStyle: 'line', font: { size: 11 } } } },
+        scales: {
+          x: { ticks: { color: theme.text, maxTicksLimit: 15, font: { size: 10 } }, grid: { color: theme.grid } },
+          y: { ticks: { color: theme.text, callback: function(v){return '$' + (v>=1000 ? Math.round(v/1000)+'K' : v);} }, grid: { color: theme.grid } }
+        }
+      }
+    });
+    document.getElementById('forecastInfo').textContent = data.predicted.length + '-day forecast';
+  } catch (e) {
+    console.error('Forecast error:', e);
+    document.getElementById('forecastInfo').textContent = 'Forecast error';
+  }
+}
+
+function exportBIExcel() {
+  var s = document.getElementById('dateStart').value;
+  var e = document.getElementById('dateEnd').value;
+  if (s && e) window.location.href = '/admin/api/export/bi-excel?start=' + s + '&end=' + e;
+}
+
 // Init - runs immediately (script is at bottom of body, DOM is ready)
 // Also handles case where DOMContentLoaded already fired
 function _startBI() {
@@ -2104,7 +2181,7 @@ function _startBI() {
     // Apply theme-aware Chart.js defaults
     applyChartDefaults(getChartTheme());
 
-    loadBI(); loadRevenue(); loadStrategic(); fetchLiveRate();
+    loadBI(); loadRevenue(); loadStrategic(); loadForecast(); fetchLiveRate();
     setInterval(fetchLiveRate, 3000);
 
     // Re-render charts on theme toggle

src/admin-cliente.js

@@ -205,6 +205,9 @@ function buildAdminClienteHTML(user) {
   .date-inputs label { font-size: 12px; font-weight: 600; color: var(--text-muted); }
   .date-inputs input[type="date"] { padding: 8px 12px; border: 1px solid var(--border); border-radius: 8px; font-size: 13px; font-family: inherit; background: var(--bg); color: var(--text); }
   .period-info { margin-left: auto; font-size: 12px; color: var(--text-muted); font-weight: 500; background: var(--bg); padding: 6px 12px; border-radius: 6px; }
+  .export-btn { background: var(--green); color: white; border: none; padding: 8px 16px; border-radius: 6px; font-size: 12px; font-weight: 600; cursor: pointer; white-space: nowrap; transition: all 0.15s; }
+  .export-btn:hover { opacity: 0.85; transform: translateY(-1px); }
+  [data-theme="dark"] .export-btn { background: rgba(0,255,136,0.15); color: #00FF88; border: 1px solid rgba(0,255,136,0.3); }
 
   /* === Hero KPIs === */
   .hero-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 14px; margin-bottom: 28px; }
@@ -413,6 +416,7 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
         <div class="health-score-number" id="healthScoreNum">--</div>
         <div class="health-score-label" id="healthScoreLabel">Health</div>
       </div>
+      <div id="churnRisk" style="padding:0 16px 16px;"></div>
     </div>
 
     <!-- Date Filter -->
@@ -431,6 +435,7 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
         <label>Ate:</label><input type="date" id="dateEnd" value="${today}">
       </div>
       <span class="period-info" id="periodInfo">--</span>
+      <button class="export-btn" onclick="window.location.href='/admin/api/export/clients-excel'" title="Export Top Clients to Excel">Export Excel</button>
     </div>
 
     <!-- Hero KPIs (6) -->
@@ -904,6 +909,10 @@ function clearClient() {
 function loadProfile() {
   fetch('/admin/api/cliente/' + selectedClientId + '/profile').then(function(r){return r.json();}).then(function(data) {
     profileData = data; renderProfile(data);
+    // Load churn risk
+    fetch('/admin/api/cliente/' + selectedClientId + '/churn').then(function(r){return r.json();}).then(function(churn) {
+      renderChurnRisk(churn);
+    }).catch(function(){});
   });
 }
 function renderProfile(p) {
@@ -932,6 +941,23 @@ function renderProfile(p) {
   });
 }
 
+function renderChurnRisk(churn) {
+  var el = document.getElementById('churnRisk');
+  if (!el) return;
+  var colors = { low: 'var(--green)', medium: 'var(--orange)', high: 'var(--red)', critical: 'var(--red)' };
+  var labels = { low: 'Low Risk', medium: 'Medium Risk', high: 'High Risk', critical: 'Critical' };
+  el.innerHTML = '<div style="display:flex;align-items:center;gap:8px;margin-top:8px;">' +
+    '<div style="width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;' +
+    'background:' + colors[churn.risk] + '20;color:' + colors[churn.risk] + ';font-weight:700;font-size:14px;">' + churn.score + '</div>' +
+    '<div><div style="font-size:12px;font-weight:600;color:' + colors[churn.risk] + '">' + labels[churn.risk] + '</div>' +
+    '<div style="font-size:10px;color:var(--text-muted)">Health: ' + churn.health_score + '/100</div></div></div>' +
+    '<div style="margin-top:6px;font-size:10px;color:var(--text-muted)">' +
+    (churn.factors || []).slice(0,3).map(function(f){
+      var ic = f.status === 'good' ? '&#x2705;' : f.status === 'warning' ? '&#x26A0;' : '&#x274C;';
+      return ic + ' ' + f.name + ': ' + f.score + '/100';
+    }).join(' &nbsp; ') + '</div>';
+}
+
 // === Data Loading ===
 function loadData() {
   if (!selectedClientId) return;

src/alerts/alert-engine.js

@@ -0,0 +1,279 @@
+/**
+ * Alert Engine — Monitors key metrics and triggers alerts
+ * Uses node-cron for scheduling, SQLite for storage, email for notifications
+ */
+const cron = require('node-cron');
+const db = require('../db-local');
+const pool = require('../db-rds');
+const { sendEmail } = require('./channels');
+
+// Insert alert into SQLite
+function createAlert(name, severity, message, data = null) {
+  const stmt = db.prepare(`
+    INSERT INTO alerts (name, severity, message, data)
+    VALUES (?, ?, ?, ?)
+  `);
+  const result = stmt.run(name, severity, message, data ? JSON.stringify(data) : null);
+  console.log(`[Alert] ${severity} - ${name}: ${message}`);
+  return result.lastInsertRowid;
+}
+
+// Get recent alerts
+function getAlerts(hours = 24, unackedOnly = false) {
+  let sql = `SELECT * FROM alerts WHERE created_at >= datetime('now', '-${Math.round(hours)} hours')`;
+  if (unackedOnly) sql += ' AND acknowledged = 0';
+  sql += ' ORDER BY created_at DESC';
+  return db.prepare(sql).all();
+}
+
+// Acknowledge alert
+function acknowledgeAlert(id) {
+  return db.prepare('UPDATE alerts SET acknowledged = 1 WHERE id = ?').run(id);
+}
+
+// Get alert history
+function getAlertHistory(days = 7) {
+  return db.prepare(`
+    SELECT * FROM alerts
+    WHERE created_at >= datetime('now', '-${Math.round(days)} days')
+    ORDER BY created_at DESC
+    LIMIT 200
+  `).all();
+}
+
+// Count unacknowledged alerts
+function getUnackedCount() {
+  const row = db.prepare("SELECT COUNT(*) as count FROM alerts WHERE acknowledged = 0 AND created_at >= datetime('now', '-24 hours')").get();
+  return row?.count || 0;
+}
+
+// --- Alert Rules ---
+
+const alertRules = [
+  {
+    name: 'volume_spike',
+    schedule: '*/15 * * * *', // Every 15 minutes
+    severity: 'P1',
+    async check() {
+      const conn = await pool.getConnection();
+      try {
+        // Compare today's volume to 7-day average
+        const [today] = await conn.execute(`
+          SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd), 0), 2) as vol
+          FROM br_transaction_to_usa WHERE DATE(created_at) = CURDATE()
+        `);
+        const [avg7] = await conn.execute(`
+          SELECT COUNT(*) / 7.0 as avg_qtd, ROUND(COALESCE(SUM(amount_usd), 0) / 7.0, 2) as avg_vol
+          FROM br_transaction_to_usa
+          WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 7 DAY) AND DATE(created_at) < CURDATE()
+        `);
+        const todayVol = Number(today[0]?.vol) || 0;
+        const avgVol = Number(avg7[0]?.avg_vol) || 0;
+        if (avgVol > 0 && todayVol > avgVol * 2) {
+          return {
+            triggered: true,
+            message: `Volume spike: $${Math.round(todayVol).toLocaleString()} today vs $${Math.round(avgVol).toLocaleString()} avg (${Math.round(todayVol / avgVol * 100)}% of avg)`,
+            data: { todayVol, avgVol, ratio: Math.round(todayVol / avgVol * 100) }
+          };
+        }
+        return { triggered: false };
+      } finally {
+        conn.release();
+      }
+    }
+  },
+  {
+    name: 'spread_anomaly',
+    schedule: '0 */2 * * *', // Every 2 hours
+    severity: 'P2',
+    async check() {
+      const conn = await pool.getConnection();
+      try {
+        const [today] = await conn.execute(`
+          SELECT ROUND(AVG((exchange_rate - ptax) / exchange_rate * 100), 2) as avg_spread
+          FROM br_transaction_to_usa WHERE DATE(created_at) = CURDATE() AND ptax > 0
+        `);
+        const [avg30] = await conn.execute(`
+          SELECT ROUND(AVG((exchange_rate - ptax) / exchange_rate * 100), 2) as avg_spread
+          FROM br_transaction_to_usa
+          WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY) AND DATE(created_at) < CURDATE() AND ptax > 0
+        `);
+        const todaySpread = Number(today[0]?.avg_spread) || 0;
+        const avgSpread = Number(avg30[0]?.avg_spread) || 0;
+        if (avgSpread > 0 && Math.abs(todaySpread - avgSpread) > avgSpread * 0.5) {
+          return {
+            triggered: true,
+            message: `Spread anomaly: ${todaySpread}% today vs ${avgSpread}% 30d avg (${Math.round((todaySpread - avgSpread) / avgSpread * 100)}% deviation)`,
+            data: { todaySpread, avgSpread }
+          };
+        }
+        return { triggered: false };
+      } finally {
+        conn.release();
+      }
+    }
+  },
+  {
+    name: 'large_transaction',
+    schedule: '*/10 * * * *', // Every 10 minutes
+    severity: 'P0',
+    async check() {
+      const conn = await pool.getConnection();
+      try {
+        // Check for transactions > $50K in the last 10 minutes
+        const [rows] = await conn.execute(`
+          SELECT t.id, c.nome, t.amount_usd, t.created_at
+          FROM br_transaction_to_usa t
+          INNER JOIN conta c ON c.id_conta = t.id_conta
+          WHERE t.created_at >= DATE_SUB(NOW(), INTERVAL 10 MINUTE)
+            AND t.amount_usd >= 50000
+          ORDER BY t.amount_usd DESC
+        `);
+        if (rows.length > 0) {
+          const txList = rows.map(r => `${r.nome}: $${Number(r.amount_usd).toLocaleString()}`).join(', ');
+          return {
+            triggered: true,
+            message: `Large transaction(s) detected: ${txList}`,
+            data: { count: rows.length, transactions: rows.map(r => ({ id: r.id, nome: r.nome, usd: Number(r.amount_usd) })) }
+          };
+        }
+        return { triggered: false };
+      } finally {
+        conn.release();
+      }
+    }
+  },
+  {
+    name: 'failed_tx_spike',
+    schedule: '*/30 * * * *', // Every 30 minutes
+    severity: 'P1',
+    async check() {
+      const conn = await pool.getConnection();
+      try {
+        const [stats] = await conn.execute(`
+          SELECT
+            COUNT(*) as total,
+            SUM(CASE WHEN status NOT IN ('boleto_pago','finalizado')
+              AND (date_sent_usa IS NULL OR date_sent_usa = '0000-00-00 00:00:00') THEN 1 ELSE 0 END) as failed
+          FROM br_transaction_to_usa
+          WHERE DATE(created_at) = CURDATE()
+        `);
+        const total = Number(stats[0]?.total) || 0;
+        const failed = Number(stats[0]?.failed) || 0;
+        const rate = total > 0 ? (failed / total * 100) : 0;
+        if (total >= 10 && rate > 5) {
+          return {
+            triggered: true,
+            message: `Failed tx spike: ${failed}/${total} (${rate.toFixed(1)}%) today`,
+            data: { total, failed, rate: Math.round(rate * 10) / 10 }
+          };
+        }
+        return { triggered: false };
+      } finally {
+        conn.release();
+      }
+    }
+  },
+  {
+    name: 'provider_inactivity',
+    schedule: '0 9,14 * * 1-5', // 9am and 2pm weekdays
+    severity: 'P2',
+    async check() {
+      const conn = await pool.getConnection();
+      try {
+        // Providers with no activity in last 24h that had activity in previous 7 days
+        const [inactive] = await conn.execute(`
+          SELECT pm.provider, MAX(t.created_at) as last_tx,
+            TIMESTAMPDIFF(HOUR, MAX(t.created_at), NOW()) as hours_inactive
+          FROM br_transaction_to_usa t
+          INNER JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+          WHERE t.created_at >= DATE_SUB(CURDATE(), INTERVAL 8 DAY)
+            AND pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+          GROUP BY pm.provider
+          HAVING MAX(t.created_at) < DATE_SUB(NOW(), INTERVAL 24 HOUR)
+        `);
+        if (inactive.length > 0) {
+          const list = inactive.map(r => `${r.provider} (${r.hours_inactive}h)`).join(', ');
+          return {
+            triggered: true,
+            message: `Provider inactivity: ${list}`,
+            data: { providers: inactive.map(r => ({ provider: r.provider, hours: Number(r.hours_inactive) })) }
+          };
+        }
+        return { triggered: false };
+      } finally {
+        conn.release();
+      }
+    }
+  }
+];
+
+// Dedup: don't fire same alert within cooldown period
+const COOLDOWN_MS = 60 * 60 * 1000; // 1 hour
+const _lastFired = {};
+
+async function runRule(rule) {
+  try {
+    const result = await rule.check();
+    if (!result.triggered) return;
+
+    // Cooldown check
+    const lastTime = _lastFired[rule.name] || 0;
+    if (Date.now() - lastTime < COOLDOWN_MS) {
+      console.log(`[Alert] ${rule.name} in cooldown, skipping`);
+      return;
+    }
+    _lastFired[rule.name] = Date.now();
+
+    // Store in SQLite
+    createAlert(rule.name, rule.severity, result.message, result.data);
+
+    // Send email notification
+    const emailTo = process.env.ALERT_EMAIL_TO;
+    if (emailTo) {
+      const severityEmoji = { P0: 'CRITICAL', P1: 'WARNING', P2: 'INFO' };
+      await sendEmail(
+        emailTo,
+        `[${rule.severity}] ${severityEmoji[rule.severity] || ''} ${rule.name}`,
+        `
+          <h3 style="color: ${rule.severity === 'P0' ? '#D93025' : rule.severity === 'P1' ? '#E8710A' : '#1A73E8'};">
+            ${rule.severity} - ${rule.name}
+          </h3>
+          <p style="font-size: 15px; margin: 12px 0;">${result.message}</p>
+          <p style="font-size: 12px; color: #666;">
+            ${new Date().toISOString()} | <a href="${process.env.BASE_URL || 'http://localhost:3080'}/admin/bi">Open BI Dashboard</a>
+          </p>
+        `
+      );
+    }
+  } catch (err) {
+    console.error(`[Alert] Rule ${rule.name} error:`, err.message);
+  }
+}
+
+/**
+ * Start alert engine — schedules all cron jobs
+ */
+function startAlertEngine() {
+  console.log('[Alert Engine] Starting with', alertRules.length, 'rules');
+
+  alertRules.forEach(rule => {
+    cron.schedule(rule.schedule, () => runRule(rule));
+    console.log(`[Alert Engine] Scheduled: ${rule.name} (${rule.schedule}) [${rule.severity}]`);
+  });
+
+  // Run all rules once on startup (after 30s delay to let DB warm up)
+  setTimeout(() => {
+    console.log('[Alert Engine] Running initial check...');
+    alertRules.forEach(rule => runRule(rule));
+  }, 30000);
+}
+
+module.exports = {
+  startAlertEngine,
+  createAlert,
+  getAlerts,
+  acknowledgeAlert,
+  getAlertHistory,
+  getUnackedCount
+};

src/alerts/channels.js

@@ -0,0 +1,99 @@
+/**
+ * Alert Notification Channels
+ * Email (SMTP via nodemailer), future Slack support
+ */
+const nodemailer = require('nodemailer');
+
+let _transporter = null;
+
+function getTransporter() {
+  if (_transporter) return _transporter;
+
+  const host = process.env.SMTP_HOST;
+  const user = process.env.SMTP_USER;
+  const pass = process.env.SMTP_PASS;
+
+  if (!host || !user || !pass) {
+    console.warn('[Alerts] SMTP not configured (SMTP_HOST, SMTP_USER, SMTP_PASS). Email alerts disabled.');
+    return null;
+  }
+
+  _transporter = nodemailer.createTransport({
+    host,
+    port: parseInt(process.env.SMTP_PORT) || 587,
+    secure: process.env.SMTP_SECURE === 'true',
+    auth: { user, pass }
+  });
+
+  return _transporter;
+}
+
+/**
+ * Send email alert
+ * @param {string} to - Recipient email
+ * @param {string} subject - Email subject
+ * @param {string} html - HTML body
+ */
+async function sendEmail(to, subject, html) {
+  const transporter = getTransporter();
+  if (!transporter) {
+    console.log(`[Alerts] Email skipped (SMTP not configured): ${subject}`);
+    return false;
+  }
+
+  try {
+    await transporter.sendMail({
+      from: process.env.SMTP_FROM || process.env.SMTP_USER,
+      to,
+      subject: `[BI-CCC Alert] ${subject}`,
+      html: `
+        <div style="font-family: Arial, sans-serif; max-width: 600px; margin: 0 auto;">
+          <div style="background: #7600BE; color: white; padding: 16px 24px; border-radius: 8px 8px 0 0;">
+            <h2 style="margin: 0; font-size: 18px;">BI-CCC Alert</h2>
+          </div>
+          <div style="padding: 24px; border: 1px solid #E8EAED; border-top: none; border-radius: 0 0 8px 8px;">
+            ${html}
+          </div>
+          <p style="font-size: 11px; color: #9AA0A6; text-align: center; margin-top: 12px;">
+            CambioReal BI - Central Command Center
+          </p>
+        </div>
+      `
+    });
+    console.log(`[Alerts] Email sent: ${subject} -> ${to}`);
+    return true;
+  } catch (err) {
+    console.error(`[Alerts] Email failed: ${err.message}`);
+    return false;
+  }
+}
+
+/**
+ * Send Slack notification (future — ready when webhook URL is available)
+ */
+async function sendSlack(webhook, message, severity) {
+  if (!webhook) return false;
+
+  const colorMap = { P0: '#D93025', P1: '#E8710A', P2: '#1A73E8' };
+  try {
+    const resp = await fetch(webhook, {
+      method: 'POST',
+      headers: { 'Content-Type': 'application/json' },
+      body: JSON.stringify({
+        attachments: [{
+          color: colorMap[severity] || '#1A73E8',
+          title: `[${severity}] BI-CCC Alert`,
+          text: message,
+          footer: 'CambioReal BI-CCC',
+          ts: Math.floor(Date.now() / 1000)
+        }]
+      })
+    });
+    return resp.ok;
+  } catch (err) {
+    console.error(`[Alerts] Slack failed: ${err.message}`);
+    return false;
+  }
+}
+
+module.exports = { sendEmail, sendSlack };

src/db-analytics.js

@@ -0,0 +1,60 @@
+/**
+ * Analytics SQLite Database — Local aggregated metrics
+ * Stores daily/monthly aggregates for fast historical queries
+ */
+const Database = require('better-sqlite3');
+const path = require('path');
+
+const DB_PATH = path.join(__dirname, '..', 'data', 'analytics.db');
+const db = new Database(DB_PATH);
+
+db.pragma('journal_mode = WAL');
+
+// Daily metrics table
+db.exec(`
+  CREATE TABLE IF NOT EXISTS daily_metrics (
+    date TEXT NOT NULL,
+    product TEXT NOT NULL,
+    transactions INTEGER DEFAULT 0,
+    volume_usd REAL DEFAULT 0,
+    volume_brl REAL DEFAULT 0,
+    revenue REAL DEFAULT 0,
+    avg_spread REAL DEFAULT 0,
+    avg_ticket REAL DEFAULT 0,
+    unique_clients INTEGER DEFAULT 0,
+    PRIMARY KEY (date, product)
+  )
+`);
+
+// Client health daily snapshot
+db.exec(`
+  CREATE TABLE IF NOT EXISTS client_health_daily (
+    date TEXT NOT NULL,
+    id_conta INTEGER NOT NULL,
+    health_score INTEGER DEFAULT 0,
+    churn_risk TEXT DEFAULT 'medium',
+    volume_usd REAL DEFAULT 0,
+    tx_count INTEGER DEFAULT 0,
+    last_tx_date TEXT,
+    PRIMARY KEY (date, id_conta)
+  )
+`);
+
+// Monthly revenue per client
+db.exec(`
+  CREATE TABLE IF NOT EXISTS monthly_revenue (
+    month TEXT NOT NULL,
+    id_conta INTEGER NOT NULL,
+    revenue REAL DEFAULT 0,
+    volume_usd REAL DEFAULT 0,
+    tx_count INTEGER DEFAULT 0,
+    PRIMARY KEY (month, id_conta)
+  )
+`);
+
+// Indexes for fast lookups
+db.exec(`CREATE INDEX IF NOT EXISTS idx_daily_date ON daily_metrics(date)`);
+db.exec(`CREATE INDEX IF NOT EXISTS idx_health_date ON client_health_daily(date)`);
+db.exec(`CREATE INDEX IF NOT EXISTS idx_monthly_month ON monthly_revenue(month)`);
+
+module.exports = db;

src/db-local.js

@@ -56,4 +56,17 @@ for (const admin of admins) {
   }
 }
 
+// Alerts table
+db.exec(`
+  CREATE TABLE IF NOT EXISTS alerts (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    name TEXT NOT NULL,
+    severity TEXT NOT NULL,
+    message TEXT NOT NULL,
+    data TEXT,
+    acknowledged INTEGER DEFAULT 0,
+    created_at TEXT DEFAULT (datetime('now'))
+  )
+`);
+
 module.exports = db;

src/etl/daily-sync.js

@@ -0,0 +1,187 @@
+/**
+ * ETL Daily Sync — MySQL RDS → SQLite Analytics
+ * Runs daily at 1 AM via node-cron, computes aggregates for previous day
+ */
+const cron = require('node-cron');
+const pool = require('../db-rds');
+const analyticsDb = require('../db-analytics');
+const { runDataQuality } = require('./data-quality');
+
+/**
+ * Sync a single day's metrics from MySQL to SQLite
+ */
+async function syncDay(dateStr) {
+  const conn = await pool.getConnection();
+  try {
+    console.log(`[ETL] Syncing day: ${dateStr}`);
+
+    // BRL→USD metrics
+    const [brlUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as transactions,
+        ROUND(COALESCE(SUM(amount_usd), 0), 2) as volume_usd,
+        ROUND(COALESCE(SUM(amount_brl), 0), 2) as volume_brl,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd), 0), 2) as revenue,
+        ROUND(COALESCE(AVG((exchange_rate - ptax) / exchange_rate * 100), 0), 4) as avg_spread,
+        ROUND(COALESCE(AVG(amount_usd), 0), 2) as avg_ticket,
+        COUNT(DISTINCT id_conta) as unique_clients
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) = ?
+    `, [dateStr]);
+
+    // USD→BRL metrics
+    const [usdBrl] = await conn.execute(`
+      SELECT
+        COUNT(*) as transactions,
+        ROUND(COALESCE(SUM(valor), 0), 2) as volume_usd,
+        ROUND(COALESCE(SUM(valor_sol), 0), 2) as volume_brl,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor), 0), 2) as revenue,
+        ROUND(COALESCE(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END), 0), 4) as avg_spread,
+        ROUND(COALESCE(AVG(valor), 0), 2) as avg_ticket,
+        COUNT(DISTINCT id_conta) as unique_clients
+      FROM pagamento_br
+      WHERE DATE(created_at) = ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `, [dateStr]);
+
+    // USD→USD metrics
+    const [usdUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as transactions,
+        ROUND(COALESCE(SUM(valor), 0), 2) as volume_usd,
+        0 as volume_brl,
+        0 as revenue,
+        0 as avg_spread,
+        ROUND(COALESCE(AVG(valor), 0), 2) as avg_ticket,
+        COUNT(DISTINCT id_conta) as unique_clients
+      FROM pagamento_br
+      WHERE DATE(created_at) = ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+    `, [dateStr]);
+
+    // Upsert into SQLite
+    const upsert = analyticsDb.prepare(`
+      INSERT INTO daily_metrics (date, product, transactions, volume_usd, volume_brl, revenue, avg_spread, avg_ticket, unique_clients)
+      VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)
+      ON CONFLICT(date, product) DO UPDATE SET
+        transactions=excluded.transactions, volume_usd=excluded.volume_usd, volume_brl=excluded.volume_brl,
+        revenue=excluded.revenue, avg_spread=excluded.avg_spread, avg_ticket=excluded.avg_ticket,
+        unique_clients=excluded.unique_clients
+    `);
+
+    const insertMetrics = analyticsDb.transaction((rows) => {
+      rows.forEach(r => upsert.run(r.date, r.product, r.transactions, r.volume_usd, r.volume_brl, r.revenue, r.avg_spread, r.avg_ticket, r.unique_clients));
+    });
+
+    const b = brlUsd[0] || {};
+    const u = usdBrl[0] || {};
+    const uu = usdUsd[0] || {};
+
+    insertMetrics([
+      { date: dateStr, product: 'BRL→USD', transactions: Number(b.transactions) || 0, volume_usd: Number(b.volume_usd) || 0, volume_brl: Number(b.volume_brl) || 0, revenue: Number(b.revenue) || 0, avg_spread: Number(b.avg_spread) || 0, avg_ticket: Number(b.avg_ticket) || 0, unique_clients: Number(b.unique_clients) || 0 },
+      { date: dateStr, product: 'USD→BRL', transactions: Number(u.transactions) || 0, volume_usd: Number(u.volume_usd) || 0, volume_brl: Number(u.volume_brl) || 0, revenue: Number(u.revenue) || 0, avg_spread: Number(u.avg_spread) || 0, avg_ticket: Number(u.avg_ticket) || 0, unique_clients: Number(u.unique_clients) || 0 },
+      { date: dateStr, product: 'USD→USD', transactions: Number(uu.transactions) || 0, volume_usd: Number(uu.volume_usd) || 0, volume_brl: 0, revenue: 0, avg_spread: 0, avg_ticket: Number(uu.avg_ticket) || 0, unique_clients: Number(uu.unique_clients) || 0 }
+    ]);
+
+    // Monthly revenue aggregation
+    const month = dateStr.slice(0, 7);
+    const [monthlyRevBrl] = await conn.execute(`
+      SELECT id_conta,
+        ROUND(SUM((exchange_rate - ptax) / exchange_rate * amount_usd), 2) as revenue,
+        ROUND(SUM(amount_usd), 2) as volume_usd,
+        COUNT(*) as tx_count
+      FROM br_transaction_to_usa
+      WHERE DATE_FORMAT(created_at, '%Y-%m') = ? AND DATE(created_at) <= ?
+      GROUP BY id_conta
+    `, [month, dateStr]);
+
+    const [monthlyRevUsd] = await conn.execute(`
+      SELECT id_conta,
+        ROUND(SUM((ptax - cotacao) / ptax * valor), 2) as revenue,
+        ROUND(SUM(valor), 2) as volume_usd,
+        COUNT(*) as tx_count
+      FROM pagamento_br
+      WHERE DATE_FORMAT(created_at, '%Y-%m') = ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY id_conta
+    `, [month, dateStr]);
+
+    const monthlyUpsert = analyticsDb.prepare(`
+      INSERT INTO monthly_revenue (month, id_conta, revenue, volume_usd, tx_count)
+      VALUES (?, ?, ?, ?, ?)
+      ON CONFLICT(month, id_conta) DO UPDATE SET
+        revenue=excluded.revenue, volume_usd=excluded.volume_usd, tx_count=excluded.tx_count
+    `);
+
+    const clientMap = {};
+    [...monthlyRevBrl, ...monthlyRevUsd].forEach(r => {
+      const id = r.id_conta;
+      if (!clientMap[id]) clientMap[id] = { revenue: 0, volume_usd: 0, tx_count: 0 };
+      clientMap[id].revenue += Number(r.revenue) || 0;
+      clientMap[id].volume_usd += Number(r.volume_usd) || 0;
+      clientMap[id].tx_count += Number(r.tx_count) || 0;
+    });
+
+    const insertMonthly = analyticsDb.transaction((map) => {
+      Object.entries(map).forEach(([id, d]) => {
+        monthlyUpsert.run(month, parseInt(id), Math.round(d.revenue * 100) / 100, Math.round(d.volume_usd * 100) / 100, d.tx_count);
+      });
+    });
+    insertMonthly(clientMap);
+
+    console.log(`[ETL] Day ${dateStr} synced: BRL→USD=${b.transactions || 0}tx, USD→BRL=${u.transactions || 0}tx, USD→USD=${uu.transactions || 0}tx, ${Object.keys(clientMap).length} client revenue records`);
+    return true;
+  } finally {
+    conn.release();
+  }
+}
+
+/**
+ * Backfill: sync multiple days
+ */
+async function backfill(daysBack = 90) {
+  console.log(`[ETL] Backfilling ${daysBack} days...`);
+  const now = new Date();
+  for (let i = daysBack; i >= 1; i--) {
+    const d = new Date(now.getTime() - i * 86400000);
+    const dateStr = d.toISOString().slice(0, 10);
+    try {
+      await syncDay(dateStr);
+    } catch (err) {
+      console.error(`[ETL] Backfill error for ${dateStr}:`, err.message);
+    }
+  }
+  console.log(`[ETL] Backfill complete`);
+}
+
+/**
+ * Start daily ETL sync job
+ */
+function startETL() {
+  // Run at 1:00 AM every day
+  cron.schedule('0 1 * * *', async () => {
+    try {
+      // Sync yesterday
+      const yesterday = new Date(Date.now() - 86400000).toISOString().slice(0, 10);
+      await syncDay(yesterday);
+      // Run data quality checks
+      runDataQuality(yesterday);
+    } catch (err) {
+      console.error('[ETL] Daily sync error:', err.message);
+    }
+  });
+
+  console.log('[ETL] Daily sync scheduled at 1:00 AM');
+
+  // Check if analytics DB is empty; if so, backfill
+  const count = analyticsDb.prepare('SELECT COUNT(*) as c FROM daily_metrics').get();
+  if (!count || count.c === 0) {
+    console.log('[ETL] Analytics DB empty, starting backfill...');
+    // Run backfill in background
+    backfill(90).catch(err => console.error('[ETL] Backfill error:', err.message));
+  }
+}
+
+module.exports = { startETL, syncDay, backfill };

src/etl/data-quality.js

@@ -0,0 +1,114 @@
+/**
+ * ETL Data Quality — Post-sync validation checks
+ * Runs after each daily sync to verify data integrity
+ */
+const pool = require('../db-rds');
+const analyticsDb = require('../db-analytics');
+
+/**
+ * Run data quality checks for a given date
+ */
+async function runDataQuality(dateStr) {
+  const issues = [];
+  console.log(`[DQ] Running data quality checks for ${dateStr}...`);
+
+  // 1. Row count validation — SQLite should have 3 product rows per synced day
+  const sqliteRows = analyticsDb.prepare(
+    'SELECT COUNT(*) as c FROM daily_metrics WHERE date = ?'
+  ).get(dateStr);
+
+  if (!sqliteRows || sqliteRows.c !== 3) {
+    issues.push(`Row count: expected 3 product rows, got ${sqliteRows?.c || 0}`);
+  }
+
+  // 2. Null / negative checks on SQLite aggregates
+  const metrics = analyticsDb.prepare(
+    'SELECT product, transactions, volume_usd, revenue, avg_spread FROM daily_metrics WHERE date = ?'
+  ).all(dateStr);
+
+  for (const m of metrics) {
+    if (m.transactions < 0) issues.push(`${m.product}: negative transaction count (${m.transactions})`);
+    if (m.volume_usd < 0) issues.push(`${m.product}: negative volume_usd (${m.volume_usd})`);
+    if (m.revenue < 0 && m.product !== 'USD→USD') issues.push(`${m.product}: negative revenue (${m.revenue})`);
+    if (m.avg_spread < 0 && m.product !== 'USD→USD') issues.push(`${m.product}: negative avg_spread (${m.avg_spread})`);
+  }
+
+  // 3. Revenue reconciliation — compare SQLite aggregates vs MySQL source
+  let conn;
+  try {
+    conn = await pool.getConnection();
+
+    // BRL→USD reconciliation
+    const [mysqlBrlUsd] = await conn.execute(`
+      SELECT COUNT(*) as tx_count,
+        ROUND(COALESCE(SUM(amount_usd), 0), 2) as volume_usd
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) = ?
+    `, [dateStr]);
+
+    const sqliteBrlUsd = analyticsDb.prepare(
+      "SELECT transactions, volume_usd FROM daily_metrics WHERE date = ? AND product = 'BRL→USD'"
+    ).get(dateStr);
+
+    if (mysqlBrlUsd[0] && sqliteBrlUsd) {
+      const txDelta = Math.abs(Number(mysqlBrlUsd[0].tx_count) - sqliteBrlUsd.transactions);
+      if (txDelta > 0) {
+        issues.push(`BRL→USD tx count mismatch: MySQL=${mysqlBrlUsd[0].tx_count}, SQLite=${sqliteBrlUsd.transactions}`);
+      }
+      const volDelta = Math.abs(Number(mysqlBrlUsd[0].volume_usd) - sqliteBrlUsd.volume_usd);
+      if (volDelta > 0.01) {
+        issues.push(`BRL→USD volume mismatch: MySQL=${mysqlBrlUsd[0].volume_usd}, SQLite=${sqliteBrlUsd.volume_usd}, delta=${volDelta.toFixed(2)}`);
+      }
+    }
+
+    // USD→BRL reconciliation
+    const [mysqlUsdBrl] = await conn.execute(`
+      SELECT COUNT(*) as tx_count,
+        ROUND(COALESCE(SUM(valor), 0), 2) as volume_usd
+      FROM pagamento_br
+      WHERE DATE(created_at) = ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `, [dateStr]);
+
+    const sqliteUsdBrl = analyticsDb.prepare(
+      "SELECT transactions, volume_usd FROM daily_metrics WHERE date = ? AND product = 'USD→BRL'"
+    ).get(dateStr);
+
+    if (mysqlUsdBrl[0] && sqliteUsdBrl) {
+      const txDelta = Math.abs(Number(mysqlUsdBrl[0].tx_count) - sqliteUsdBrl.transactions);
+      if (txDelta > 0) {
+        issues.push(`USD→BRL tx count mismatch: MySQL=${mysqlUsdBrl[0].tx_count}, SQLite=${sqliteUsdBrl.transactions}`);
+      }
+      const volDelta = Math.abs(Number(mysqlUsdBrl[0].volume_usd) - sqliteUsdBrl.volume_usd);
+      if (volDelta > 0.01) {
+        issues.push(`USD→BRL volume mismatch: MySQL=${mysqlUsdBrl[0].volume_usd}, SQLite=${sqliteUsdBrl.volume_usd}, delta=${volDelta.toFixed(2)}`);
+      }
+    }
+
+    // 4. Monthly revenue check — sum of client revenues should be positive if there are transactions
+    const month = dateStr.slice(0, 7);
+    const monthlySum = analyticsDb.prepare(
+      'SELECT SUM(revenue) as total_rev, COUNT(*) as clients FROM monthly_revenue WHERE month = ?'
+    ).get(month);
+
+    const totalDayTx = metrics.reduce((s, m) => s + m.transactions, 0);
+    if (totalDayTx > 0 && monthlySum && monthlySum.total_rev <= 0 && monthlySum.clients > 0) {
+      issues.push(`Monthly revenue for ${month} is ${monthlySum.total_rev} despite ${totalDayTx} transactions on ${dateStr}`);
+    }
+  } finally {
+    if (conn) conn.release();
+  }
+
+  // Report results
+  if (issues.length === 0) {
+    console.log(`[DQ] ${dateStr}: All checks passed`);
+  } else {
+    console.warn(`[DQ] ${dateStr}: ${issues.length} issue(s) found:`);
+    issues.forEach(i => console.warn(`[DQ]   - ${i}`));
+  }
+
+  return { date: dateStr, passed: issues.length === 0, issues };
+}
+
+module.exports = { runDataQuality };

src/export/excel-export.js

@@ -0,0 +1,120 @@
+/**
+ * Excel Export Engine — CambioReal branded spreadsheets
+ * Uses ExcelJS for .xlsx generation with styled headers
+ */
+const ExcelJS = require('exceljs');
+
+// CambioReal brand colors
+const HEADER_FILL = { type: 'pattern', pattern: 'solid', fgColor: { argb: 'FF7600BE' } };
+const HEADER_FONT = { bold: true, color: { argb: 'FFFFFFFF' }, size: 11 };
+const CURRENCY_FORMAT = '#,##0.00';
+const PCT_FORMAT = '0.00%';
+const DATE_FORMAT = 'yyyy-mm-dd';
+
+/**
+ * Generate an Excel workbook from data
+ * @param {Object[]} data - Array of row objects
+ * @param {Object[]} columns - Column definitions: { header, key, width?, type? }
+ *   type: 'currency' | 'percentage' | 'date' | 'number' | 'text' (default)
+ * @param {string} sheetName - Worksheet name
+ * @returns {ExcelJS.Workbook}
+ */
+function createWorkbook(data, columns, sheetName = 'Data') {
+  const workbook = new ExcelJS.Workbook();
+  workbook.creator = 'CambioReal BI-CCC';
+  workbook.created = new Date();
+
+  const sheet = workbook.addWorksheet(sheetName);
+
+  // Define columns
+  sheet.columns = columns.map(col => ({
+    header: col.header,
+    key: col.key,
+    width: col.width || 15
+  }));
+
+  // Style header row
+  const headerRow = sheet.getRow(1);
+  headerRow.eachCell((cell) => {
+    cell.fill = HEADER_FILL;
+    cell.font = HEADER_FONT;
+    cell.alignment = { vertical: 'middle', horizontal: 'center' };
+    cell.border = {
+      bottom: { style: 'thin', color: { argb: 'FF5A0091' } }
+    };
+  });
+  headerRow.height = 28;
+
+  // Add data rows
+  data.forEach(row => {
+    const addedRow = sheet.addRow(row);
+
+    // Apply formatting per column type
+    columns.forEach((col, idx) => {
+      const cell = addedRow.getCell(idx + 1);
+      switch (col.type) {
+        case 'currency':
+          cell.numFmt = CURRENCY_FORMAT;
+          cell.alignment = { horizontal: 'right' };
+          break;
+        case 'percentage':
+          // If value is already 0-100 range, divide by 100 for Excel percentage format
+          if (typeof cell.value === 'number' && cell.value > 1) {
+            cell.value = cell.value / 100;
+          }
+          cell.numFmt = PCT_FORMAT;
+          cell.alignment = { horizontal: 'right' };
+          break;
+        case 'date':
+          cell.numFmt = DATE_FORMAT;
+          break;
+        case 'number':
+          cell.numFmt = '#,##0';
+          cell.alignment = { horizontal: 'right' };
+          break;
+        default:
+          break;
+      }
+    });
+  });
+
+  // Auto-filter
+  if (data.length > 0) {
+    sheet.autoFilter = {
+      from: { row: 1, column: 1 },
+      to: { row: data.length + 1, column: columns.length }
+    };
+  }
+
+  // Freeze header row
+  sheet.views = [{ state: 'frozen', ySplit: 1 }];
+
+  return workbook;
+}
+
+/**
+ * Export workbook to Express response as .xlsx download
+ * @param {import('express').Response} res - Express response
+ * @param {ExcelJS.Workbook} workbook
+ * @param {string} filename - Without extension
+ */
+async function sendWorkbook(res, workbook, filename) {
+  res.setHeader('Content-Type', 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet');
+  res.setHeader('Content-Disposition', `attachment; filename="${filename}.xlsx"`);
+  await workbook.xlsx.write(res);
+  res.end();
+}
+
+/**
+ * Quick helper: data + columns → Express download
+ */
+async function exportToExcel(res, data, columns, sheetName, filename) {
+  const workbook = createWorkbook(data, columns, sheetName);
+  await sendWorkbook(res, workbook, filename);
+}
+
+module.exports = {
+  createWorkbook,
+  sendWorkbook,
+  exportToExcel
+};

src/queries/bi.queries.js

@@ -0,0 +1,659 @@
+/**
+ * BI Executive Dashboard Queries
+ * Comprehensive analytics: KPIs, revenue P&L, strategic cohort analysis
+ */
+const { pool, fmtDate, fmtTrendRows, calcPrevPeriod } = require('./helpers');
+
+// BI Analytics - Comprehensive data for admin BI dashboard
+async function fetchBIData(dataInicio, dataFim, getAgenteName = null) {
+  const conn = await pool.getConnection();
+  try {
+    const { prevStartStr, prevEndStr } = calcPrevPeriod(dataInicio, dataFim);
+
+    // 1. BRL→USD KPIs
+    const [kpiBrlUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(COALESCE(SUM(amount_usd), 0), 2) as vol_usd,
+        ROUND(COALESCE(SUM(amount_brl), 0), 2) as vol_brl,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd), 0), 2) as spread_revenue,
+        ROUND(COALESCE(AVG((exchange_rate - ptax) / exchange_rate * 100), 0), 2) as avg_spread_pct,
+        COUNT(DISTINCT id_conta) as clientes
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+    `, [dataInicio, dataFim]);
+
+    // 2. USD→BRL KPIs
+    const [kpiUsdBrl] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(COALESCE(SUM(valor), 0), 2) as vol_usd,
+        ROUND(COALESCE(SUM(valor_sol), 0), 2) as vol_brl,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor), 0), 2) as spread_revenue,
+        ROUND(COALESCE(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END), 0), 2) as avg_spread_pct,
+        COUNT(DISTINCT id_conta) as clientes
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `, [dataInicio, dataFim]);
+
+    // 3. USD→USD KPIs
+    const [kpiUsdUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(COALESCE(SUM(valor), 0), 2) as vol_usd,
+        COUNT(DISTINCT id_conta) as clientes
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+    `, [dataInicio, dataFim]);
+
+    // 4. Unique active clients across all flows
+    const [uniqueClients] = await conn.execute(`
+      SELECT COUNT(DISTINCT id_conta) as total FROM (
+        SELECT id_conta FROM br_transaction_to_usa
+        WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        UNION
+        SELECT id_conta FROM pagamento_br
+        WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+      ) all_clients
+    `, [dataInicio, dataFim, dataInicio, dataFim]);
+
+    // 5. Previous period totals for comparison
+    const [prevBrlUsd] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue
+      FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+    `, [prevStartStr, prevEndStr]);
+    const [prevUsdBrl] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue
+      FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+    `, [prevStartStr, prevEndStr]);
+    const [prevUsdUsd] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd
+      FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+    `, [prevStartStr, prevEndStr]);
+
+    // 6. BRL→USD daily trend with spread
+    const [trendBrlUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+        ROUND(SUM(amount_usd), 2) as vol_usd,
+        ROUND(AVG((exchange_rate - ptax) / exchange_rate * 100), 2) as avg_spread
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    // 7. USD→BRL daily trend with spread
+    const [trendUsdBrl] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+        ROUND(SUM(valor), 2) as vol_usd,
+        ROUND(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END), 2) as avg_spread
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    // 8. USD→USD daily trend
+    const [trendUsdUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+        ROUND(SUM(valor), 2) as vol_usd
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    // 9. Top 10 clients by volume
+    const [topClients] = await conn.execute(`
+      SELECT nome, SUM(vol) as total_usd, SUM(qtd) as total_qtd FROM (
+        SELECT c.nome, SUM(t.amount_usd) as vol, COUNT(*) as qtd
+        FROM br_transaction_to_usa t
+        INNER JOIN conta c ON c.id_conta = t.id_conta
+        WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        GROUP BY c.nome
+        UNION ALL
+        SELECT c.nome, SUM(p.valor) as vol, COUNT(*) as qtd
+        FROM pagamento_br p
+        INNER JOIN conta c ON c.id_conta = p.id_conta
+        WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        GROUP BY c.nome
+      ) combined
+      GROUP BY nome ORDER BY total_usd DESC LIMIT 10
+    `, [dataInicio, dataFim, dataInicio, dataFim]);
+
+    // 10. Client retention
+    const [retention] = await conn.execute(`
+      SELECT
+        COUNT(DISTINCT prev.id_conta) as prev_clients,
+        COUNT(DISTINCT CASE WHEN curr.id_conta IS NOT NULL THEN prev.id_conta END) as retained
+      FROM (
+        SELECT DISTINCT id_conta FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        UNION
+        SELECT DISTINCT id_conta FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+      ) prev
+      LEFT JOIN (
+        SELECT DISTINCT id_conta FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        UNION
+        SELECT DISTINCT id_conta FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+      ) curr ON prev.id_conta = curr.id_conta
+    `, [prevStartStr, prevEndStr, prevStartStr, prevEndStr, dataInicio, dataFim, dataInicio, dataFim]);
+
+    // 11. Clients at risk
+    const [clientsAtRisk] = await conn.execute(`
+      SELECT nome, MAX(last_op) as last_op, SUM(vol) as total_usd, SUM(qtd) as total_qtd,
+        DATEDIFF(CURDATE(), MAX(last_op)) as days_inactive
+      FROM (
+        SELECT c.nome, MAX(t.created_at) as last_op, SUM(t.amount_usd) as vol, COUNT(*) as qtd
+        FROM br_transaction_to_usa t
+        INNER JOIN conta c ON c.id_conta = t.id_conta
+        GROUP BY c.nome
+        UNION ALL
+        SELECT c.nome, MAX(p.created_at) as last_op, SUM(p.valor) as vol, COUNT(*) as qtd
+        FROM pagamento_br p
+        INNER JOIN conta c ON c.id_conta = p.id_conta
+        GROUP BY c.nome
+      ) combined
+      GROUP BY nome
+      HAVING MAX(last_op) < CURDATE()
+      ORDER BY total_usd DESC LIMIT 20
+    `);
+
+    // 12. Agent ranking with spread revenue
+    const [agentRanking] = await conn.execute(`
+      SELECT agente_id, SUM(vol) as total_usd, SUM(qtd) as total_qtd,
+        ROUND(SUM(spread_rev), 2) as total_spread, COUNT(DISTINCT client_id) as clientes
+      FROM (
+        SELECT ac.agente_id, t.id_conta as client_id, SUM(t.amount_usd) as vol, COUNT(*) as qtd,
+          SUM((t.exchange_rate - t.ptax) / t.exchange_rate * t.amount_usd) as spread_rev
+        FROM br_transaction_to_usa t
+        INNER JOIN ag_contas ac ON ac.conta_id = t.id_conta
+        WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        GROUP BY ac.agente_id, t.id_conta
+        UNION ALL
+        SELECT ac.agente_id, p.id_conta as client_id, SUM(p.valor) as vol, COUNT(*) as qtd,
+          SUM((p.ptax - p.cotacao) / p.ptax * p.valor) as spread_rev
+        FROM pagamento_br p
+        INNER JOIN ag_contas ac ON ac.conta_id = p.id_conta
+        WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+          AND p.cotacao IS NOT NULL AND p.cotacao > 0
+          AND (p.pgto IS NULL OR p.pgto != 'balance')
+        GROUP BY ac.agente_id, p.id_conta
+      ) combined
+      GROUP BY agente_id ORDER BY total_usd DESC LIMIT 10
+    `, [dataInicio, dataFim, dataInicio, dataFim]);
+
+    // Resolve agent names
+    const agents = agentRanking.map((r, i) => {
+      const nome = getAgenteName ? (getAgenteName(r.agente_id) || `Agente ${r.agente_id}`) : `Agente ${r.agente_id}`;
+      return { rank: i + 1, agente_id: r.agente_id, nome,
+        vol_usd: Number(r.total_usd), qtd: Number(r.total_qtd),
+        spread_revenue: Number(r.total_spread), clientes: Number(r.clientes)
+      };
+    });
+
+    // Format results
+    const fmtKpi = (r) => ({
+      qtd: Number(r?.qtd) || 0, vol_usd: Number(r?.vol_usd) || 0,
+      vol_brl: Number(r?.vol_brl) || 0, spread_revenue: Number(r?.spread_revenue) || 0,
+      avg_spread_pct: Number(r?.avg_spread_pct) || 0, clientes: Number(r?.clientes) || 0
+    });
+
+    const brl = fmtKpi(kpiBrlUsd[0]);
+    const usd = fmtKpi(kpiUsdBrl[0]);
+    const uu = { qtd: Number(kpiUsdUsd[0]?.qtd) || 0, vol_usd: Number(kpiUsdUsd[0]?.vol_usd) || 0, clientes: Number(kpiUsdUsd[0]?.clientes) || 0 };
+    const totalQtd = brl.qtd + usd.qtd + uu.qtd;
+    const totalVolUsd = brl.vol_usd + usd.vol_usd + uu.vol_usd;
+
+    const pBrl = Number(prevBrlUsd[0]?.qtd) || 0;
+    const pUsd = Number(prevUsdBrl[0]?.qtd) || 0;
+    const pUu = Number(prevUsdUsd[0]?.qtd) || 0;
+    const prevQtd = pBrl + pUsd + pUu;
+    const prevVolUsd = (Number(prevBrlUsd[0]?.vol_usd) || 0) + (Number(prevUsdBrl[0]?.vol_usd) || 0) + (Number(prevUsdUsd[0]?.vol_usd) || 0);
+    const prevSpread = (Number(prevBrlUsd[0]?.spread_revenue) || 0) + (Number(prevUsdBrl[0]?.spread_revenue) || 0);
+
+    const retPrev = Number(retention[0]?.prev_clients) || 0;
+    const retCurr = Number(retention[0]?.retained) || 0;
+
+    return {
+      kpis: {
+        brlUsd: brl, usdBrl: usd, usdUsd: uu,
+        total: {
+          qtd: totalQtd, vol_usd: totalVolUsd,
+          spread_revenue: brl.spread_revenue + usd.spread_revenue,
+          clientes: Number(uniqueClients[0]?.total) || 0,
+          ticket_medio: totalQtd > 0 ? Math.round(totalVolUsd / totalQtd) : 0
+        }
+      },
+      comparison: { prev_qtd: prevQtd, prev_vol_usd: prevVolUsd, prev_spread: prevSpread },
+      trend: { brlUsd: fmtTrendRows(trendBrlUsd), usdBrl: fmtTrendRows(trendUsdBrl), usdUsd: fmtTrendRows(trendUsdUsd) },
+      topClients: topClients.map(r => ({ nome: r.nome, vol_usd: Number(r.total_usd), qtd: Number(r.total_qtd) })),
+      retention: { prev_clients: retPrev, retained: retCurr, rate: retPrev > 0 ? Math.round(retCurr / retPrev * 100) : 0 },
+      clientsAtRisk: clientsAtRisk.map(r => ({
+        nome: r.nome, vol_usd: Number(r.total_usd), qtd: Number(r.total_qtd),
+        last_op: r.last_op instanceof Date ? r.last_op.toISOString().slice(0, 10) : String(r.last_op).slice(0, 16),
+        days_inactive: Number(r.days_inactive) || 0
+      })),
+      agentRanking: agents,
+      netting: {
+        saida_usd: brl.vol_usd, entrada_usd: usd.vol_usd,
+        posicao_liquida: usd.vol_usd - brl.vol_usd,
+        eficiencia: brl.vol_usd > 0 ? Math.min(100, Math.round(usd.vol_usd / brl.vol_usd * 100)) : 0
+      }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Revenue Analytics - Real P&L by product with dynamic granularity
+async function fetchRevenueAnalytics(dataInicio, dataFim, granularity = 'dia') {
+  const conn = await pool.getConnection();
+  try {
+    const validGran = ['dia', 'mes', 'ano'].includes(granularity) ? granularity : 'dia';
+
+    let periodoInicio, periodoLabel;
+    switch (validGran) {
+      case 'ano':
+        periodoInicio = "MAKEDATE(YEAR(dia), 1)";
+        periodoLabel = "DATE_FORMAT(dia, '%Y')";
+        break;
+      case 'mes':
+        periodoInicio = "CAST(DATE_FORMAT(dia, '%Y-%m-01') AS DATE)";
+        periodoLabel = "DATE_FORMAT(dia, '%Y-%m')";
+        break;
+      default:
+        periodoInicio = "DATE(dia)";
+        periodoLabel = "DATE_FORMAT(dia, '%Y-%m-%d')";
+    }
+
+    const [rows] = await conn.execute(`
+      WITH limites AS (
+        SELECT
+          CAST(? AS DATE) AS inicio,
+          DATE_ADD(CAST(? AS DATE), INTERVAL 1 DAY) AS fim_exclusivo
+      ),
+      q1 AS (
+        SELECT
+          CASE
+            WHEN pb.tipo_envio = 'balance' THEN DATE(pb.data_cp)
+            ELSE DATE(pb.created_at)
+          END AS dia,
+          CONCAT('US→BR: ', COALESCE(pb.tipo_envio, 'desconhecido')) AS produto,
+          CASE
+            WHEN pb.tipo_envio = 'balance' THEN COALESCE(pb.fee, 0)
+            ELSE COALESCE(
+              CASE
+                WHEN pb.ptax IS NOT NULL AND pb.ptax > 0
+                  THEN ((pb.ptax - pb.cotacao) * pb.valor) / pb.ptax
+                ELSE 0
+              END, 0
+            ) + COALESCE(pb.fee, 0)
+          END AS receita
+        FROM pagamento_br pb
+        JOIN limites l ON (
+          CASE WHEN pb.tipo_envio = 'balance' THEN pb.data_cp ELSE pb.created_at END
+        ) >= l.inicio
+        AND (
+          CASE WHEN pb.tipo_envio = 'balance' THEN pb.data_cp ELSE pb.created_at END
+        ) < l.fim_exclusivo
+        WHERE pb.valor > 0
+          AND pb.data_cp IS NOT NULL
+          AND pb.data_cp <> '0000-00-00'
+      ),
+      q2 AS (
+        SELECT
+          DATE(t.created_at) AS dia,
+          CASE
+            WHEN t.cobranca_id IS NOT NULL THEN 'BR→US: Checkout'
+            ELSE 'BR→US: CambioTransfer'
+          END AS produto,
+          (
+            (
+              ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2)
+              - COALESCE(t.pfee, 0)
+            ) - (
+              t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0)
+            )
+          ) AS receita
+        FROM br_transaction_to_usa t
+        JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+        JOIN limites l ON t.created_at >= l.inicio AND t.created_at < l.fim_exclusivo
+        WHERE pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+          AND t.ptax IS NOT NULL AND t.ptax > 0
+          AND (
+            t.status IN ('boleto_pago','finalizado')
+            OR t.date_sent_usa <> '0000-00-00 00:00:00'
+          )
+      ),
+      unioned AS (
+        SELECT dia, produto, receita FROM q1
+        UNION ALL
+        SELECT dia, produto, receita FROM q2
+      )
+      SELECT
+        ${periodoInicio} AS periodo_inicio,
+        ${periodoLabel} AS periodo_label,
+        produto,
+        ROUND(SUM(receita), 2) AS receita,
+        COUNT(*) AS qtd
+      FROM unioned
+      GROUP BY periodo_inicio, periodo_label, produto
+      ORDER BY periodo_inicio, produto
+    `, [dataInicio, dataFim]);
+
+    // Also get totals by product
+    const [totals] = await conn.execute(`
+      WITH limites AS (
+        SELECT
+          CAST(? AS DATE) AS inicio,
+          DATE_ADD(CAST(? AS DATE), INTERVAL 1 DAY) AS fim_exclusivo
+      ),
+      q1 AS (
+        SELECT
+          CASE
+            WHEN pb.tipo_envio = 'balance' THEN COALESCE(pb.fee, 0)
+            ELSE COALESCE(
+              CASE WHEN pb.ptax IS NOT NULL AND pb.ptax > 0
+                THEN ((pb.ptax - pb.cotacao) * pb.valor) / pb.ptax ELSE 0
+              END, 0
+            ) + COALESCE(pb.fee, 0)
+          END AS receita,
+          'US→BR' AS direcao,
+          COALESCE(pb.tipo_envio, 'desconhecido') AS tipo
+        FROM pagamento_br pb
+        JOIN limites l ON (
+          CASE WHEN pb.tipo_envio = 'balance' THEN pb.data_cp ELSE pb.created_at END
+        ) >= l.inicio
+        AND (
+          CASE WHEN pb.tipo_envio = 'balance' THEN pb.data_cp ELSE pb.created_at END
+        ) < l.fim_exclusivo
+        WHERE pb.valor > 0 AND pb.data_cp IS NOT NULL AND pb.data_cp <> '0000-00-00'
+      ),
+      q2 AS (
+        SELECT
+          (
+            (ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2) - COALESCE(t.pfee, 0))
+            - (t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0))
+          ) AS receita,
+          'BR→US' AS direcao,
+          CASE WHEN t.cobranca_id IS NOT NULL THEN 'Checkout' ELSE 'CambioTransfer' END AS tipo
+        FROM br_transaction_to_usa t
+        JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+        JOIN limites l ON t.created_at >= l.inicio AND t.created_at < l.fim_exclusivo
+        WHERE pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+          AND t.ptax IS NOT NULL AND t.ptax > 0
+          AND (t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00')
+      )
+      SELECT
+        direcao,
+        tipo,
+        ROUND(SUM(receita), 2) AS total_receita,
+        COUNT(*) AS total_qtd
+      FROM (SELECT receita, direcao, tipo FROM q1 UNION ALL SELECT receita, direcao, tipo FROM q2) all_data
+      GROUP BY direcao, tipo
+      ORDER BY direcao, tipo
+    `, [dataInicio, dataFim]);
+
+    const timeline = rows.map(r => ({
+      periodo_inicio: r.periodo_inicio instanceof Date ? r.periodo_inicio.toISOString().slice(0, 10) : String(r.periodo_inicio).slice(0, 10),
+      periodo_label: r.periodo_label,
+      produto: r.produto,
+      receita: Number(r.receita),
+      qtd: Number(r.qtd)
+    }));
+
+    const totalsByProduct = totals.map(r => ({
+      direcao: r.direcao,
+      tipo: r.tipo,
+      produto: r.direcao + ': ' + r.tipo,
+      receita: Number(r.total_receita),
+      qtd: Number(r.total_qtd)
+    }));
+
+    const grandTotal = totalsByProduct.reduce((s, r) => s + r.receita, 0);
+    const grandQtd = totalsByProduct.reduce((s, r) => s + r.qtd, 0);
+    const receitaBrUs = totalsByProduct.filter(r => r.direcao === 'BR→US').reduce((s, r) => s + r.receita, 0);
+    const receitaUsBr = totalsByProduct.filter(r => r.direcao === 'US→BR').reduce((s, r) => s + r.receita, 0);
+
+    return {
+      timeline,
+      totals: totalsByProduct,
+      summary: {
+        total_receita: Math.round(grandTotal * 100) / 100,
+        total_qtd: grandQtd,
+        receita_br_us: Math.round(receitaBrUs * 100) / 100,
+        receita_us_br: Math.round(receitaUsBr * 100) / 100,
+        ticket_medio_receita: grandQtd > 0 ? Math.round(grandTotal / grandQtd * 100) / 100 : 0
+      },
+      granularity: validGran
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+async function fetchBIStrategic(dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const { prevStartStr, prevEndStr } = calcPrevPeriod(dataInicio, dataFim);
+
+    // === 1. COHORT RETENTION ===
+    const [cohortClients] = await conn.execute(`
+      SELECT id_conta, DATE_FORMAT(MIN(first_op), '%Y-%m') as cohort_month FROM (
+        SELECT id_conta, MIN(created_at) as first_op FROM br_transaction_to_usa GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, MIN(created_at) as first_op FROM pagamento_br
+          WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) f GROUP BY id_conta
+    `);
+    const [activeMonths] = await conn.execute(`
+      SELECT id_conta, active_month FROM (
+        SELECT id_conta, DATE_FORMAT(created_at, '%Y-%m') as active_month
+        FROM br_transaction_to_usa GROUP BY id_conta, DATE_FORMAT(created_at, '%Y-%m')
+        UNION
+        SELECT id_conta, DATE_FORMAT(created_at, '%Y-%m') as active_month
+        FROM pagamento_br WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta, DATE_FORMAT(created_at, '%Y-%m')
+      ) m
+    `);
+
+    const clientCohort = {};
+    cohortClients.forEach(r => { clientCohort[r.id_conta] = r.cohort_month; });
+    const clientMonths = {};
+    activeMonths.forEach(r => {
+      if (!clientMonths[r.id_conta]) clientMonths[r.id_conta] = new Set();
+      clientMonths[r.id_conta].add(r.active_month);
+    });
+    const allMonths = [...new Set([...cohortClients.map(r => r.cohort_month), ...activeMonths.map(r => r.active_month)])].sort();
+
+    const cohortMap = {};
+    cohortClients.forEach(r => {
+      const cm = r.cohort_month;
+      if (!cohortMap[cm]) cohortMap[cm] = { size: 0, months: {} };
+      cohortMap[cm].size++;
+    });
+    Object.keys(clientCohort).forEach(clientId => {
+      const cm = clientCohort[clientId];
+      const months = clientMonths[clientId] || new Set();
+      const cmIdx = allMonths.indexOf(cm);
+      months.forEach(am => {
+        const amIdx = allMonths.indexOf(am);
+        const offset = amIdx - cmIdx;
+        if (offset >= 0) {
+          if (!cohortMap[cm].months[offset]) cohortMap[cm].months[offset] = 0;
+          cohortMap[cm].months[offset]++;
+        }
+      });
+    });
+
+    const cohortKeys = Object.keys(cohortMap).sort().slice(-12);
+    const cohorts = cohortKeys.map(cm => {
+      const c = cohortMap[cm];
+      const maxOff = allMonths.length - allMonths.indexOf(cm);
+      const retention = [];
+      for (let i = 0; i < Math.min(maxOff, 13); i++) {
+        retention.push(c.size > 0 ? Math.round((c.months[i] || 0) / c.size * 100) : 0);
+      }
+      return { month: cm, size: c.size, retention };
+    });
+
+    // === 2. REVENUE EXPANSION / CONTRACTION ===
+    const [currRevenue] = await conn.execute(`
+      SELECT id_conta, ROUND(SUM(revenue), 2) as revenue, ROUND(SUM(vol_usd), 2) as vol_usd FROM (
+        SELECT id_conta, SUM((exchange_rate - ptax) / exchange_rate * amount_usd) as revenue, SUM(amount_usd) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, SUM((ptax - cotacao) / ptax * valor) as revenue, SUM(valor) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) c GROUP BY id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim]);
+    const [prevRevenue] = await conn.execute(`
+      SELECT id_conta, ROUND(SUM(revenue), 2) as revenue, ROUND(SUM(vol_usd), 2) as vol_usd FROM (
+        SELECT id_conta, SUM((exchange_rate - ptax) / exchange_rate * amount_usd) as revenue, SUM(amount_usd) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, SUM((ptax - cotacao) / ptax * valor) as revenue, SUM(valor) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) p GROUP BY id_conta
+    `, [prevStartStr, prevEndStr, prevStartStr, prevEndStr]);
+
+    const currMap = {};
+    currRevenue.forEach(r => { currMap[r.id_conta] = { revenue: Number(r.revenue), vol_usd: Number(r.vol_usd) }; });
+    const prevMap = {};
+    prevRevenue.forEach(r => { prevMap[r.id_conta] = { revenue: Number(r.revenue), vol_usd: Number(r.vol_usd) }; });
+
+    const allClientIds = new Set([...Object.keys(currMap), ...Object.keys(prevMap)]);
+    const expansion = {
+      new_clients: { count: 0, revenue: 0 },
+      expansion: { count: 0, revenue: 0 },
+      stable: { count: 0, revenue: 0 },
+      contraction: { count: 0, revenue: 0 },
+      churned: { count: 0, revenue: 0 }
+    };
+    allClientIds.forEach(id => {
+      const curr = currMap[id];
+      const prev = prevMap[id];
+      if (curr && !prev) {
+        expansion.new_clients.count++; expansion.new_clients.revenue += curr.revenue;
+      } else if (!curr && prev) {
+        expansion.churned.count++; expansion.churned.revenue -= Math.abs(prev.revenue);
+      } else if (curr && prev) {
+        const absP = Math.abs(prev.revenue);
+        const change = absP > 0 ? (curr.revenue - prev.revenue) / absP : 0;
+        if (change > 0.1) {
+          expansion.expansion.count++; expansion.expansion.revenue += (curr.revenue - prev.revenue);
+        } else if (change < -0.1) {
+          expansion.contraction.count++; expansion.contraction.revenue += (curr.revenue - prev.revenue);
+        } else {
+          expansion.stable.count++; expansion.stable.revenue += curr.revenue;
+        }
+      }
+    });
+
+    // === 3. CROSS-SELL ===
+    const [crossSellData] = await conn.execute(`
+      SELECT c.id_conta, t.vol_usd as pay_vol, p.vol_usd as checkout_vol
+      FROM (
+        SELECT DISTINCT id_conta FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        UNION
+        SELECT DISTINCT id_conta FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      ) c
+      LEFT JOIN (
+        SELECT id_conta, ROUND(SUM(amount_usd), 2) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+      ) t ON t.id_conta = c.id_conta
+      LEFT JOIN (
+        SELECT id_conta, ROUND(SUM(valor), 2) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) p ON p.id_conta = c.id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim, dataInicio, dataFim, dataInicio, dataFim]);
+
+    const crossSell = { pay_only: { count: 0, vol: 0 }, checkout_only: { count: 0, vol: 0 }, both: { count: 0, vol: 0 } };
+    crossSellData.forEach(r => {
+      const pv = Number(r.pay_vol) || 0;
+      const cv = Number(r.checkout_vol) || 0;
+      if (pv > 0 && cv > 0) { crossSell.both.count++; crossSell.both.vol += pv + cv; }
+      else if (pv > 0) { crossSell.pay_only.count++; crossSell.pay_only.vol += pv; }
+      else if (cv > 0) { crossSell.checkout_only.count++; crossSell.checkout_only.vol += cv; }
+    });
+
+    // === 4. CLIENT MATURITY SEGMENTS ===
+    const [maturityData] = await conn.execute(`
+      SELECT id_conta,
+        MIN(first_op) as first_op,
+        FLOOR(DATEDIFF(CURDATE(), MIN(first_op)) / 30.44) as months_active,
+        SUM(vol_usd) as lifetime_vol,
+        SUM(CASE WHEN period = 'curr' THEN vol_usd ELSE 0 END) as curr_vol,
+        SUM(CASE WHEN period = 'prev' THEN vol_usd ELSE 0 END) as prev_vol
+      FROM (
+        SELECT id_conta, MIN(created_at) as first_op, SUM(amount_usd) as vol_usd, 'all' as period
+        FROM br_transaction_to_usa GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, MIN(created_at) as first_op, SUM(valor) as vol_usd, 'all' as period
+        FROM pagamento_br WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(amount_usd) as vol_usd, 'curr' as period
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ? GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(valor) as vol_usd, 'curr' as period
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(amount_usd) as vol_usd, 'prev' as period
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ? GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(valor) as vol_usd, 'prev' as period
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) combined GROUP BY id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim, prevStartStr, prevEndStr, prevStartStr, prevEndStr]);
+
+    const maturity = { new_client: { count: 0, vol: 0 }, growing: { count: 0, vol: 0 }, mature: { count: 0, vol: 0 }, declining: { count: 0, vol: 0 } };
+    maturityData.forEach(r => {
+      const months = Number(r.months_active) || 0;
+      const cv = Number(r.curr_vol) || 0;
+      const pv = Number(r.prev_vol) || 0;
+      const lv = Number(r.lifetime_vol) || 0;
+      if (months < 3) {
+        maturity.new_client.count++; maturity.new_client.vol += lv;
+      } else if (pv > 0 && cv < pv * 0.85) {
+        maturity.declining.count++; maturity.declining.vol += lv;
+      } else if (months >= 12) {
+        maturity.mature.count++; maturity.mature.vol += lv;
+      } else {
+        maturity.growing.count++; maturity.growing.vol += lv;
+      }
+    });
+
+    return { cohorts, expansion, crossSell, maturity };
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchBIData,
+  fetchRevenueAnalytics,
+  fetchBIStrategic
+};

src/queries/client.queries.js

@@ -0,0 +1,566 @@
+/**
+ * Client 360 Queries
+ * Client profiles, search, transaction data, merchant checkout data
+ */
+const { pool, fmtDate, fmtDateTime, fmtTrendRows, calcPrevPeriod } = require('./helpers');
+
+// Top 20 clients by total USD volume (including checkout volume for merchants)
+async function fetchTopClients() {
+  const conn = await pool.getConnection();
+  try {
+    const [rows] = await conn.execute(`
+      SELECT c.id_conta, c.nome,
+        COALESCE(t1.vol_usd, 0) + COALESCE(t2.vol_usd, 0) + COALESCE(t3.vol_usd, 0) AS total_vol_usd,
+        COALESCE(t1.cnt, 0) + COALESCE(t2.cnt, 0) + COALESCE(t3.cnt, 0) AS total_ops,
+        GREATEST(COALESCE(t1.months_active, 0), COALESCE(t2.months_active, 0), COALESCE(t3.months_active, 0)) AS months_active,
+        GREATEST(COALESCE(t1.last_op, '1970-01-01'), COALESCE(t2.last_op, '1970-01-01'), COALESCE(t3.last_op, '1970-01-01')) AS last_op
+      FROM conta c
+      LEFT JOIN (
+        SELECT id_conta,
+          SUM(amount_usd) AS vol_usd,
+          COUNT(*) AS cnt,
+          COUNT(DISTINCT DATE_FORMAT(created_at, '%Y-%m')) AS months_active,
+          MAX(created_at) AS last_op
+        FROM br_transaction_to_usa GROUP BY id_conta
+      ) t1 ON t1.id_conta = c.id_conta
+      LEFT JOIN (
+        SELECT id_conta,
+          SUM(valor / cotacao) AS vol_usd,
+          COUNT(*) AS cnt,
+          COUNT(DISTINCT DATE_FORMAT(created_at, '%Y-%m')) AS months_active,
+          MAX(created_at) AS last_op
+        FROM pagamento_br GROUP BY id_conta
+      ) t2 ON t2.id_conta = c.id_conta
+      LEFT JOIN (
+        SELECT e.id_conta,
+          SUM(t.amount_usd) AS vol_usd,
+          COUNT(*) AS cnt,
+          COUNT(DISTINCT DATE_FORMAT(t.created_at, '%Y-%m')) AS months_active,
+          MAX(t.created_at) AS last_op
+        FROM br_cb_empresas e
+        INNER JOIN br_cb_cobranca cb ON cb.empresa_id = e.id
+        INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+        WHERE e.active = 1
+        GROUP BY e.id_conta
+      ) t3 ON t3.id_conta = c.id_conta
+      WHERE COALESCE(t1.cnt, 0) + COALESCE(t2.cnt, 0) + COALESCE(t3.cnt, 0) > 0
+      ORDER BY total_vol_usd DESC
+      LIMIT 20
+    `);
+    return rows.map(r => ({
+      id: r.id_conta,
+      nome: r.nome,
+      vol: Math.round(r.total_vol_usd || 0),
+      ops: r.total_ops || 0,
+      months: r.months_active || 0,
+      lastOp: r.last_op && String(r.last_op) !== '1970-01-01' ? (r.last_op instanceof Date ? r.last_op.toISOString().slice(0, 10) : String(r.last_op).slice(0, 10)) : null
+    }));
+  } finally {
+    conn.release();
+  }
+}
+
+// Search clients by name (server-side, max 15 results) — includes merchants
+async function fetchClientSearch(query) {
+  const conn = await pool.getConnection();
+  try {
+    const [rows] = await conn.execute(`
+      SELECT c.id_conta, c.nome FROM conta c
+      WHERE c.id_conta IN (
+        SELECT DISTINCT id_conta FROM br_transaction_to_usa
+        UNION SELECT DISTINCT id_conta FROM pagamento_br
+        UNION SELECT DISTINCT id_conta FROM br_cb_empresas WHERE active = 1
+      ) AND c.nome LIKE CONCAT('%', ?, '%')
+      ORDER BY c.nome LIMIT 15
+    `, [query]);
+    return rows.map(r => ({ id: r.id_conta, nome: r.nome }));
+  } finally {
+    conn.release();
+  }
+}
+
+// Client lifetime profile (no date filter)
+async function fetchClientProfile(clienteId) {
+  const conn = await pool.getConnection();
+  try {
+    const [conta] = await conn.execute('SELECT nome FROM conta WHERE id_conta = ?', [clienteId]);
+    const nome = conta[0]?.nome || 'Cliente #' + clienteId;
+
+    const [brl] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
+        ROUND(COALESCE(SUM(amount_brl),0),2) as vol_brl,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue,
+        MIN(created_at) as first_op, MAX(created_at) as last_op
+      FROM br_transaction_to_usa WHERE id_conta = ?
+    `, [clienteId]);
+
+    const [usd] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
+        ROUND(COALESCE(SUM(valor_sol),0),2) as vol_brl,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue,
+        MIN(created_at) as first_op, MAX(created_at) as last_op
+      FROM pagamento_br WHERE id_conta = ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `, [clienteId]);
+
+    const brlData = brl[0] || {};
+    const usdData = usd[0] || {};
+
+    const dates = [brlData.first_op, usdData.first_op].filter(Boolean);
+    const lastDates = [brlData.last_op, usdData.last_op].filter(Boolean);
+    const firstOp = dates.length > 0 ? new Date(Math.min(...dates.map(d => new Date(d).getTime()))) : null;
+    const lastOp = lastDates.length > 0 ? new Date(Math.max(...lastDates.map(d => new Date(d).getTime()))) : null;
+    const daysInactive = lastOp ? Math.round((Date.now() - lastOp.getTime()) / 86400000) : null;
+
+    const brlQtd = Number(brlData.qtd) || 0;
+    const usdQtd = Number(usdData.qtd) || 0;
+    const totalOps = brlQtd + usdQtd;
+    const totalVolUsd = (Number(brlData.vol_usd) || 0) + (Number(usdData.vol_usd) || 0);
+    const totalSpreadRev = (Number(brlData.spread_revenue) || 0) + (Number(usdData.spread_revenue) || 0);
+
+    const [monthsRows] = await conn.execute(`
+      SELECT COUNT(DISTINCT mes) as months_active FROM (
+        SELECT DATE_FORMAT(created_at, '%Y-%m') as mes FROM br_transaction_to_usa WHERE id_conta = ?
+        UNION
+        SELECT DATE_FORMAT(created_at, '%Y-%m') as mes FROM pagamento_br WHERE id_conta = ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      ) m
+    `, [clienteId, clienteId]);
+    const monthsActive = Number(monthsRows[0]?.months_active) || 0;
+
+    return {
+      id: clienteId,
+      nome,
+      first_op: firstOp ? firstOp.toISOString().slice(0, 10) : null,
+      last_op: lastOp ? lastOp.toISOString().slice(0, 10) : null,
+      days_inactive: daysInactive,
+      total_ops: totalOps,
+      total_vol_usd: totalVolUsd,
+      total_vol_brl: (Number(brlData.vol_brl) || 0) + (Number(usdData.vol_brl) || 0),
+      total_spread_revenue: totalSpreadRev,
+      months_active: monthsActive,
+      avg_monthly_vol: monthsActive > 0 ? Math.round(totalVolUsd / monthsActive) : 0,
+      avg_monthly_ops: monthsActive > 0 ? Math.round(totalOps / monthsActive * 10) / 10 : 0,
+      avg_monthly_revenue: monthsActive > 0 ? Math.round(totalSpreadRev / monthsActive * 100) / 100 : 0,
+      ltv: totalSpreadRev,
+      brlUsd: { qtd: brlQtd, vol_usd: Number(brlData.vol_usd) || 0 },
+      usdBrl: { qtd: usdQtd, vol_usd: Number(usdData.vol_usd) || 0 }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Client data for a period — full analytics
+async function fetchClientData(clienteId, dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const { prevStartStr, prevEndStr } = calcPrevPeriod(dataInicio, dataFim);
+
+    // KPIs BRL->USD
+    const [kpiBrl] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
+        ROUND(COALESCE(SUM(amount_brl),0),2) as vol_brl,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue,
+        ROUND(COALESCE(AVG((exchange_rate - ptax) / exchange_rate * 100),0),2) as avg_spread_pct
+      FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+    `, [clienteId, dataInicio, dataFim]);
+
+    // KPIs USD->BRL
+    const [kpiUsd] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
+        ROUND(COALESCE(SUM(valor_sol),0),2) as vol_brl,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue,
+        ROUND(COALESCE(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END),0),2) as avg_spread_pct
+      FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Previous period
+    const [prevBrl] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue
+      FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+    `, [clienteId, prevStartStr, prevEndStr]);
+    const [prevUsd] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue
+      FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+    `, [clienteId, prevStartStr, prevEndStr]);
+
+    // Trend BRL->USD
+    const [trendBrl] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+        ROUND(SUM(amount_usd),2) as vol_usd,
+        ROUND(AVG((exchange_rate - ptax) / exchange_rate * 100),2) as avg_spread
+      FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Trend USD->BRL
+    const [trendUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+        ROUND(SUM(valor),2) as vol_usd,
+        ROUND(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END),2) as avg_spread
+      FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Individual transactions BRL->USD
+    const [txBrl] = await conn.execute(`
+      SELECT t.created_at as date, 'BRL→USD' as flow,
+        t.amount_usd as usd, t.amount_brl as brl,
+        ROUND(t.exchange_rate,4) as rate, ROUND(t.ptax,4) as ptax,
+        ROUND((t.exchange_rate - t.ptax) / t.exchange_rate * 100, 2) as spread_pct,
+        t.iof, t.status,
+        COALESCE(pm.provider, '') as provider
+      FROM br_transaction_to_usa t
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE t.id_conta = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      ORDER BY t.created_at DESC
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Individual transactions USD->BRL
+    const [txUsd] = await conn.execute(`
+      SELECT p.created_at as date, 'USD→BRL' as flow,
+        p.valor as usd, ROUND(p.valor * p.cotacao, 2) as brl,
+        ROUND(p.cotacao,4) as rate, ROUND(p.ptax,4) as ptax,
+        CASE WHEN p.cotacao > 0 THEN ROUND((p.ptax - p.cotacao) / p.ptax * 100, 2) ELSE 0 END as spread_pct,
+        0 as iof, COALESCE(p.pgto, '') as status,
+        COALESCE(p.tipo_envio, '') as provider
+      FROM pagamento_br p
+      WHERE p.id_conta = ? AND DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0 AND (p.pgto IS NULL OR p.pgto != 'balance')
+      ORDER BY p.created_at DESC
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Day of week
+    const [dowBrl] = await conn.execute(`
+      SELECT DAYOFWEEK(created_at) as dow, COUNT(*) as qtd, ROUND(SUM(amount_usd),2) as vol_usd
+      FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+      GROUP BY DAYOFWEEK(created_at)
+    `, [clienteId, dataInicio, dataFim]);
+    const [dowUsd] = await conn.execute(`
+      SELECT DAYOFWEEK(created_at) as dow, COUNT(*) as qtd, ROUND(SUM(valor),2) as vol_usd
+      FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DAYOFWEEK(created_at)
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Providers
+    const [provBrl] = await conn.execute(`
+      SELECT COALESCE(pm.provider, 'N/A') as name, COUNT(*) as qtd, ROUND(SUM(t.amount_usd),2) as vol_usd
+      FROM br_transaction_to_usa t
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE t.id_conta = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      GROUP BY pm.provider
+    `, [clienteId, dataInicio, dataFim]);
+    const [provUsd] = await conn.execute(`
+      SELECT COALESCE(p.tipo_envio, 'N/A') as name, COUNT(*) as qtd, ROUND(SUM(p.valor),2) as vol_usd
+      FROM pagamento_br p
+      WHERE p.id_conta = ? AND DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0 AND (p.pgto IS NULL OR p.pgto != 'balance')
+      GROUP BY p.tipo_envio
+    `, [clienteId, dataInicio, dataFim]);
+
+    // Monthly breakdown
+    const [monthlyBrl] = await conn.execute(`
+      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, COUNT(*) as qtd,
+        ROUND(SUM(amount_usd),2) as vol_usd,
+        ROUND(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),2) as spread_revenue
+      FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+      GROUP BY DATE_FORMAT(created_at, '%Y-%m') ORDER BY mes
+    `, [clienteId, dataInicio, dataFim]);
+    const [monthlyUsd] = await conn.execute(`
+      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, COUNT(*) as qtd,
+        ROUND(SUM(valor),2) as vol_usd,
+        ROUND(SUM((ptax - cotacao) / ptax * valor),2) as spread_revenue
+      FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE_FORMAT(created_at, '%Y-%m') ORDER BY mes
+    `, [clienteId, dataInicio, dataFim]);
+
+    const b = kpiBrl[0] || {};
+    const u = kpiUsd[0] || {};
+    const bQtd = Number(b.qtd) || 0;
+    const uQtd = Number(u.qtd) || 0;
+    const totalQtd = bQtd + uQtd;
+    const totalVolUsd = (Number(b.vol_usd) || 0) + (Number(u.vol_usd) || 0);
+
+    // Merge day of week
+    const dowMap = {};
+    for (let i = 1; i <= 7; i++) dowMap[i] = { qtd: 0, vol_usd: 0 };
+    dowBrl.forEach(r => { dowMap[r.dow].qtd += Number(r.qtd); dowMap[r.dow].vol_usd += Number(r.vol_usd); });
+    dowUsd.forEach(r => { dowMap[r.dow].qtd += Number(r.qtd); dowMap[r.dow].vol_usd += Number(r.vol_usd); });
+
+    // Merge providers
+    const provMap = {};
+    [...provBrl, ...provUsd].forEach(r => {
+      const n = r.name || 'N/A';
+      if (!provMap[n]) provMap[n] = { name: n, qtd: 0, vol_usd: 0 };
+      provMap[n].qtd += Number(r.qtd);
+      provMap[n].vol_usd += Number(r.vol_usd);
+    });
+
+    // Merge monthly data
+    const monthMap = {};
+    [...monthlyBrl, ...monthlyUsd].forEach(r => {
+      if (!monthMap[r.mes]) monthMap[r.mes] = { mes: r.mes, qtd: 0, vol_usd: 0, spread_revenue: 0 };
+      monthMap[r.mes].qtd += Number(r.qtd);
+      monthMap[r.mes].vol_usd += Number(r.vol_usd);
+      monthMap[r.mes].spread_revenue += Number(r.spread_revenue);
+    });
+
+    const transactions = [
+      ...txBrl.map(r => ({
+        date: fmtDateTime(r.date), flow: r.flow, usd: Number(r.usd), brl: Number(r.brl),
+        rate: Number(r.rate), ptax: Number(r.ptax), spread_pct: Number(r.spread_pct),
+        iof: Number(r.iof), status: r.status, provider: r.provider
+      })),
+      ...txUsd.map(r => ({
+        date: fmtDateTime(r.date), flow: r.flow, usd: Number(r.usd), brl: Number(r.brl),
+        rate: Number(r.rate), ptax: Number(r.ptax), spread_pct: Number(r.spread_pct),
+        iof: Number(r.iof), status: r.status, provider: r.provider
+      }))
+    ].sort((a, b) => b.date.localeCompare(a.date));
+
+    return {
+      kpis: {
+        brlUsd: { qtd: bQtd, vol_usd: Number(b.vol_usd)||0, vol_brl: Number(b.vol_brl)||0, spread_revenue: Number(b.spread_revenue)||0, avg_spread_pct: Number(b.avg_spread_pct)||0, ticket_medio: bQtd > 0 ? Math.round((Number(b.vol_usd)||0) / bQtd) : 0 },
+        usdBrl: { qtd: uQtd, vol_usd: Number(u.vol_usd)||0, vol_brl: Number(u.vol_brl)||0, spread_revenue: Number(u.spread_revenue)||0, avg_spread_pct: Number(u.avg_spread_pct)||0, ticket_medio: uQtd > 0 ? Math.round((Number(u.vol_usd)||0) / uQtd) : 0 },
+        total: {
+          qtd: totalQtd, vol_usd: totalVolUsd, vol_brl: (Number(b.vol_brl)||0) + (Number(u.vol_brl)||0),
+          spread_revenue: (Number(b.spread_revenue)||0) + (Number(u.spread_revenue)||0),
+          avg_spread_pct: totalQtd > 0 ? ((Number(b.avg_spread_pct)||0) * bQtd + (Number(u.avg_spread_pct)||0) * uQtd) / totalQtd : 0,
+          ticket_medio: totalQtd > 0 ? Math.round(totalVolUsd / totalQtd) : 0
+        }
+      },
+      comparison: {
+        prev_qtd: (Number(prevBrl[0]?.qtd)||0) + (Number(prevUsd[0]?.qtd)||0),
+        prev_vol_usd: (Number(prevBrl[0]?.vol_usd)||0) + (Number(prevUsd[0]?.vol_usd)||0),
+        prev_spread: (Number(prevBrl[0]?.spread_revenue)||0) + (Number(prevUsd[0]?.spread_revenue)||0)
+      },
+      trend: { brlUsd: fmtTrendRows(trendBrl), usdBrl: fmtTrendRows(trendUsd) },
+      transactions,
+      dayOfWeek: dowMap,
+      providers: Object.values(provMap).sort((a, b) => b.vol_usd - a.vol_usd),
+      monthly: Object.values(monthMap).map(m => ({ mes: m.mes, qtd: m.qtd, vol_usd: Math.round(m.vol_usd * 100) / 100, spread_revenue: Math.round(m.spread_revenue * 100) / 100, avg_usd: m.qtd > 0 ? Math.round(m.vol_usd / m.qtd) : 0 })).sort((a, b) => a.mes.localeCompare(b.mes))
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Detect if client is a merchant
+async function fetchMerchantProfile(clienteId) {
+  const conn = await pool.getConnection();
+  try {
+    const [empresa] = await conn.execute(
+      'SELECT id, nome_empresa FROM br_cb_empresas WHERE id_conta = ? AND active = 1 LIMIT 1',
+      [clienteId]
+    );
+    if (!empresa.length) return { is_merchant: false };
+
+    const empresaId = empresa[0].id;
+    const nomeEmpresa = empresa[0].nome_empresa;
+
+    const [stats] = await conn.execute(`
+      SELECT
+        COUNT(*) as tx_count,
+        ROUND(COALESCE(SUM(t.amount_usd), 0), 2) as vol_usd,
+        COUNT(DISTINCT t.id_conta) as unique_payers,
+        MIN(t.created_at) as first_op,
+        MAX(t.created_at) as last_op,
+        COUNT(DISTINCT DATE_FORMAT(t.created_at, '%Y-%m')) as months_active
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      WHERE cb.empresa_id = ?
+    `, [empresaId]);
+
+    const [rev] = await conn.execute(`
+      SELECT ROUND(COALESCE(SUM(
+        (
+          ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2)
+          - COALESCE(t.pfee, 0)
+        ) - (
+          t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0)
+        )
+      ), 0), 2) as revenue
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      INNER JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE cb.empresa_id = ?
+        AND pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+        AND t.ptax IS NOT NULL AND t.ptax > 0
+        AND (t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00')
+    `, [empresaId]);
+
+    const s = stats[0] || {};
+    return {
+      is_merchant: true,
+      empresa_id: empresaId,
+      nome_empresa: nomeEmpresa,
+      checkout: {
+        tx_count: Number(s.tx_count) || 0,
+        vol_usd: Number(s.vol_usd) || 0,
+        unique_payers: Number(s.unique_payers) || 0,
+        revenue: Number(rev[0]?.revenue) || 0,
+        first_op: s.first_op ? (s.first_op instanceof Date ? s.first_op.toISOString().slice(0, 10) : String(s.first_op).slice(0, 10)) : null,
+        last_op: s.last_op ? (s.last_op instanceof Date ? s.last_op.toISOString().slice(0, 10) : String(s.last_op).slice(0, 10)) : null,
+        months_active: Number(s.months_active) || 0
+      }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Merchant checkout data for a period
+async function fetchMerchantData(empresaId, dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const { prevStartStr, prevEndStr } = calcPrevPeriod(dataInicio, dataFim);
+
+    const [kpi] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(COALESCE(SUM(t.amount_usd), 0), 2) as vol_usd,
+        COUNT(DISTINCT t.id_conta) as unique_payers,
+        ROUND(COALESCE(AVG((t.exchange_rate - t.ptax) / t.exchange_rate * 100), 0), 2) as avg_spread_pct
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+    `, [empresaId, dataInicio, dataFim]);
+
+    const [rev] = await conn.execute(`
+      SELECT ROUND(COALESCE(SUM(
+        (
+          ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2)
+          - COALESCE(t.pfee, 0)
+        ) - (
+          t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0)
+        )
+      ), 0), 2) as revenue
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      INNER JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+        AND t.ptax IS NOT NULL AND t.ptax > 0
+        AND (t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00')
+    `, [empresaId, dataInicio, dataFim]);
+
+    const [prevKpi] = await conn.execute(`
+      SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(t.amount_usd), 0), 2) as vol_usd
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+    `, [empresaId, prevStartStr, prevEndStr]);
+
+    const [prevRev] = await conn.execute(`
+      SELECT ROUND(COALESCE(SUM(
+        (
+          ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2)
+          - COALESCE(t.pfee, 0)
+        ) - (
+          t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0)
+        )
+      ), 0), 2) as revenue
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      INNER JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')
+        AND t.ptax IS NOT NULL AND t.ptax > 0
+        AND (t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00')
+    `, [empresaId, prevStartStr, prevEndStr]);
+
+    const [monthly] = await conn.execute(`
+      SELECT DATE_FORMAT(t.created_at, '%Y-%m') as mes,
+        COUNT(*) as qtd,
+        ROUND(SUM(t.amount_usd), 2) as vol_usd,
+        COUNT(DISTINCT t.id_conta) as unique_payers
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      GROUP BY DATE_FORMAT(t.created_at, '%Y-%m') ORDER BY mes
+    `, [empresaId, dataInicio, dataFim]);
+
+    const [topPayers] = await conn.execute(`
+      SELECT c.nome, t.id_conta, COUNT(*) as tx_count, ROUND(SUM(t.amount_usd), 2) as vol_usd
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      GROUP BY t.id_conta, c.nome
+      ORDER BY vol_usd DESC LIMIT 10
+    `, [empresaId, dataInicio, dataFim]);
+
+    const [txRows] = await conn.execute(`
+      SELECT t.created_at as date, t.amount_usd as usd, t.amount_brl as brl,
+        ROUND(t.exchange_rate, 4) as rate, ROUND(t.ptax, 4) as ptax,
+        ROUND((t.exchange_rate - t.ptax) / t.exchange_rate * 100, 2) as spread_pct,
+        t.iof, t.status, COALESCE(pm.provider, '') as provider,
+        c.nome as payer_name, t.id_conta as payer_id
+      FROM br_cb_cobranca cb
+      INNER JOIN br_transaction_to_usa t ON t.cobranca_id = cb.id
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      LEFT JOIN conta c ON c.id_conta = t.id_conta
+      WHERE cb.empresa_id = ? AND DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      ORDER BY t.created_at DESC LIMIT 500
+    `, [empresaId, dataInicio, dataFim]);
+
+    const k = kpi[0] || {};
+    const qtd = Number(k.qtd) || 0;
+    const volUsd = Number(k.vol_usd) || 0;
+    const revenue = Number(rev[0]?.revenue) || 0;
+
+    return {
+      kpis: {
+        qtd,
+        vol_usd: volUsd,
+        unique_payers: Number(k.unique_payers) || 0,
+        avg_spread_pct: Number(k.avg_spread_pct) || 0,
+        revenue,
+        ticket_medio: qtd > 0 ? Math.round(volUsd / qtd) : 0
+      },
+      comparison: {
+        prev_qtd: Number(prevKpi[0]?.qtd) || 0,
+        prev_vol_usd: Number(prevKpi[0]?.vol_usd) || 0,
+        prev_revenue: Number(prevRev[0]?.revenue) || 0
+      },
+      monthly: monthly.map(r => ({
+        mes: r.mes,
+        qtd: Number(r.qtd),
+        vol_usd: Number(r.vol_usd),
+        unique_payers: Number(r.unique_payers)
+      })),
+      topPayers: topPayers.map(r => ({
+        nome: r.nome,
+        id_conta: r.id_conta,
+        tx_count: Number(r.tx_count),
+        vol_usd: Number(r.vol_usd)
+      })),
+      transactions: txRows.map(r => ({
+        date: fmtDateTime(r.date), flow: 'Checkout', usd: Number(r.usd), brl: Number(r.brl),
+        rate: Number(r.rate), ptax: Number(r.ptax), spread_pct: Number(r.spread_pct),
+        iof: Number(r.iof), status: r.status, provider: r.provider,
+        payer_name: r.payer_name || '', payer_id: r.payer_id
+      }))
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchTopClients,
+  fetchClientSearch,
+  fetchClientProfile,
+  fetchClientData,
+  fetchMerchantProfile,
+  fetchMerchantData
+};

src/queries/compliance.queries.js

@@ -0,0 +1,179 @@
+/**
+ * Compliance Queries — AML/KYC monitoring data layer
+ * Dashboard deferred to backlog; queries available for alerting and future UI
+ */
+const { pool, fmtDate, fmtDateTime } = require('./helpers');
+
+// Transactions above $3,000 threshold
+async function fetchThresholdTransactions(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT c.nome, t.id_conta, t.created_at as date, t.amount_usd as usd,
+        t.amount_brl as brl, 'BRL→USD' as flow
+      FROM br_transaction_to_usa t
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND t.amount_usd >= 3000
+      ORDER BY t.amount_usd DESC
+    `, [start, end]);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT c.nome, p.id_conta, p.created_at as date, p.valor as usd,
+        ROUND(p.valor * p.cotacao, 2) as brl, 'USD→BRL' as flow
+      FROM pagamento_br p
+      INNER JOIN conta c ON c.id_conta = p.id_conta
+      WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND p.valor >= 3000
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0
+        AND (p.pgto IS NULL OR p.pgto != 'balance')
+      ORDER BY p.valor DESC
+    `, [start, end]);
+
+    return [...brlUsd, ...usdBrl].map(r => ({
+      nome: r.nome,
+      id_conta: r.id_conta,
+      date: fmtDateTime(r.date),
+      usd: Number(r.usd),
+      brl: Number(r.brl),
+      flow: r.flow
+    })).sort((a, b) => b.usd - a.usd);
+  } finally {
+    conn.release();
+  }
+}
+
+// Structuring alerts: multiple txs $2,500-$3,000 same client/day
+async function fetchStructuringAlerts(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT c.nome, t.id_conta, DATE(t.created_at) as date,
+        COUNT(*) as tx_count,
+        ROUND(SUM(t.amount_usd), 2) as total_usd,
+        'BRL→USD' as flow
+      FROM br_transaction_to_usa t
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND t.amount_usd BETWEEN 2500 AND 3000
+      GROUP BY t.id_conta, c.nome, DATE(t.created_at)
+      HAVING COUNT(*) >= 2
+      ORDER BY tx_count DESC
+    `, [start, end]);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT c.nome, p.id_conta, DATE(p.created_at) as date,
+        COUNT(*) as tx_count,
+        ROUND(SUM(p.valor), 2) as total_usd,
+        'USD→BRL' as flow
+      FROM pagamento_br p
+      INNER JOIN conta c ON c.id_conta = p.id_conta
+      WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND p.valor BETWEEN 2500 AND 3000
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0
+        AND (p.pgto IS NULL OR p.pgto != 'balance')
+      GROUP BY p.id_conta, c.nome, DATE(p.created_at)
+      HAVING COUNT(*) >= 2
+      ORDER BY tx_count DESC
+    `, [start, end]);
+
+    return [...brlUsd, ...usdBrl].map(r => ({
+      nome: r.nome,
+      id_conta: r.id_conta,
+      date: fmtDate(r.date),
+      tx_count: Number(r.tx_count),
+      total_usd: Number(r.total_usd),
+      flow: r.flow
+    })).sort((a, b) => b.tx_count - a.tx_count);
+  } finally {
+    conn.release();
+  }
+}
+
+// Velocity anomalies: frequency spikes vs 30-day avg
+async function fetchVelocityAnomalies(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    const [rows] = await conn.execute(`
+      SELECT c.nome, curr.id_conta,
+        curr.daily_count as current_daily_count,
+        curr.date as spike_date,
+        ROUND(avg30.avg_daily, 1) as avg_daily_30d,
+        ROUND(curr.daily_count / GREATEST(avg30.avg_daily, 1), 1) as multiple
+      FROM (
+        SELECT id_conta, DATE(created_at) as date, COUNT(*) as daily_count
+        FROM br_transaction_to_usa
+        WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta, DATE(created_at)
+        HAVING COUNT(*) >= 3
+      ) curr
+      INNER JOIN (
+        SELECT id_conta, COUNT(*) / 30.0 as avg_daily
+        FROM br_transaction_to_usa
+        WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 60 DAY)
+          AND created_at < DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+        GROUP BY id_conta
+      ) avg30 ON avg30.id_conta = curr.id_conta
+      INNER JOIN conta c ON c.id_conta = curr.id_conta
+      WHERE curr.daily_count > avg30.avg_daily * 3
+      ORDER BY multiple DESC
+      LIMIT 50
+    `, [start, end]);
+
+    return rows.map(r => ({
+      nome: r.nome,
+      id_conta: r.id_conta,
+      spike_date: fmtDate(r.spike_date),
+      current_daily_count: Number(r.current_daily_count),
+      avg_daily_30d: Number(r.avg_daily_30d),
+      multiple: Number(r.multiple)
+    }));
+  } finally {
+    conn.release();
+  }
+}
+
+// IOF reconciliation: calculated vs expected IOF delta
+async function fetchIOFReconciliation(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    const [rows] = await conn.execute(`
+      SELECT
+        c.nome, t.id_conta, t.created_at as date,
+        t.amount_usd, t.iof as iof_pct,
+        ROUND(t.iof / 100 * t.amount_usd * t.exchange_rate, 2) as iof_calculated,
+        ROUND(t.amount_brl - (t.amount_usd * t.exchange_rate), 2) as iof_implied,
+        ROUND(
+          ABS((t.iof / 100 * t.amount_usd * t.exchange_rate) - (t.amount_brl - (t.amount_usd * t.exchange_rate))),
+          2
+        ) as delta
+      FROM br_transaction_to_usa t
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND t.iof > 0
+      HAVING delta > 10
+      ORDER BY delta DESC
+      LIMIT 100
+    `, [start, end]);
+
+    return rows.map(r => ({
+      nome: r.nome,
+      id_conta: r.id_conta,
+      date: fmtDateTime(r.date),
+      amount_usd: Number(r.amount_usd),
+      iof_pct: Number(r.iof_pct),
+      iof_calculated: Number(r.iof_calculated),
+      iof_implied: Number(r.iof_implied),
+      delta: Number(r.delta)
+    }));
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchThresholdTransactions,
+  fetchStructuringAlerts,
+  fetchVelocityAnomalies,
+  fetchIOFReconciliation
+};

src/queries/corporate.queries.js

@@ -0,0 +1,351 @@
+/**
+ * Corporate Dashboard Queries
+ * Daily stats, KPIs, trends, top agents — used by /corporate routes
+ */
+const { pool, fmtDate } = require('./helpers');
+
+// Fast daily stats for admin home (today and yesterday only)
+async function fetchDailyStats() {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsdStats] = await conn.execute(`
+      SELECT
+        DATE(created_at) as dia,
+        COUNT(*) as qtd,
+        ROUND(SUM(amount_brl), 2) as total_brl,
+        ROUND(SUM(amount_usd), 2) as total_usd
+      FROM br_transaction_to_usa
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 1 DAY)
+      GROUP BY DATE(created_at)
+      ORDER BY dia DESC
+    `);
+
+    const [usdBrlStats] = await conn.execute(`
+      SELECT
+        DATE(created_at) as dia,
+        COUNT(*) as qtd,
+        ROUND(SUM(valor_sol), 2) as total_brl,
+        ROUND(SUM(valor), 2) as total_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 1 DAY)
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE(created_at)
+      ORDER BY dia DESC
+    `);
+
+    const [usdUsdStats] = await conn.execute(`
+      SELECT
+        DATE(created_at) as dia,
+        COUNT(*) as qtd,
+        ROUND(SUM(valor), 2) as total_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 1 DAY)
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+      GROUP BY DATE(created_at)
+      ORDER BY dia DESC
+    `);
+
+    const today = new Date().toISOString().slice(0, 10);
+    const yesterday = new Date(Date.now() - 86400000).toISOString().slice(0, 10);
+
+    const formatDay = (stats, targetDate) => {
+      const row = stats.find(r => {
+        const d = r.dia instanceof Date ? r.dia.toISOString().slice(0, 10) : String(r.dia).slice(0, 10);
+        return d === targetDate;
+      });
+      return row ? {
+        qtd: Number(row.qtd),
+        total_brl: Number(row.total_brl) || 0,
+        total_usd: Number(row.total_usd) || 0
+      } : { qtd: 0, total_brl: 0, total_usd: 0 };
+    };
+
+    return {
+      brlUsd: {
+        hoje: formatDay(brlUsdStats, today),
+        ontem: formatDay(brlUsdStats, yesterday)
+      },
+      usdBrl: {
+        hoje: formatDay(usdBrlStats, today),
+        ontem: formatDay(usdBrlStats, yesterday)
+      },
+      usdUsd: {
+        hoje: formatDay(usdUsdStats, today),
+        ontem: formatDay(usdUsdStats, yesterday)
+      }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// KPIs: hoje vs média 30 dias
+async function fetchKPIs() {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN 1 ELSE 0 END) as hoje_qtd,
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN amount_usd ELSE 0 END) as hoje_usd,
+        COUNT(*) / 30.0 as media_qtd,
+        SUM(amount_usd) / 30.0 as media_usd
+      FROM br_transaction_to_usa
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+    `);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN 1 ELSE 0 END) as hoje_qtd,
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN valor ELSE 0 END) as hoje_usd,
+        COUNT(*) / 30.0 as media_qtd,
+        SUM(valor) / 30.0 as media_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `);
+
+    const [usdUsd] = await conn.execute(`
+      SELECT
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN 1 ELSE 0 END) as hoje_qtd,
+        SUM(CASE WHEN DATE(created_at) = CURDATE() THEN valor ELSE 0 END) as hoje_usd,
+        COUNT(*) / 30.0 as media_qtd,
+        SUM(valor) / 30.0 as media_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+    `);
+
+    const format = (row) => ({
+      hoje_qtd: Number(row[0]?.hoje_qtd) || 0,
+      hoje_usd: Number(row[0]?.hoje_usd) || 0,
+      media_qtd: Math.round(Number(row[0]?.media_qtd) || 0),
+      media_usd: Math.round(Number(row[0]?.media_usd) || 0)
+    });
+
+    const brlUsdData = format(brlUsd);
+    const usdBrlData = format(usdBrl);
+    const usdUsdData = format(usdUsd);
+
+    return {
+      brlUsd: brlUsdData,
+      usdBrl: usdBrlData,
+      usdUsd: usdUsdData,
+      total: {
+        hoje_qtd: brlUsdData.hoje_qtd + usdBrlData.hoje_qtd + usdUsdData.hoje_qtd,
+        hoje_usd: brlUsdData.hoje_usd + usdBrlData.hoje_usd + usdUsdData.hoje_usd,
+        media_qtd: brlUsdData.media_qtd + usdBrlData.media_qtd + usdUsdData.media_qtd,
+        media_usd: brlUsdData.media_usd + usdBrlData.media_usd + usdUsdData.media_usd
+      }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Tendência 30 dias
+async function fetchTrend30Days() {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd, ROUND(SUM(amount_usd), 2) as vol_usd
+      FROM br_transaction_to_usa
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+      GROUP BY DATE(created_at) ORDER BY dia
+    `);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd, ROUND(SUM(valor), 2) as vol_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `);
+
+    const [usdUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd, ROUND(SUM(valor), 2) as vol_usd
+      FROM pagamento_br
+      WHERE created_at >= DATE_SUB(CURDATE(), INTERVAL 30 DAY)
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `);
+
+    const formatRows = (rows) => rows.map(r => ({
+      dia: fmtDate(r.dia),
+      qtd: Number(r.qtd),
+      vol_usd: Number(r.vol_usd)
+    }));
+
+    return {
+      brlUsd: formatRows(brlUsd),
+      usdBrl: formatRows(usdBrl),
+      usdUsd: formatRows(usdUsd)
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Tendência por período customizado
+async function fetchTrendByPeriod(dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+             ROUND(SUM(amount_usd), 2) as vol_usd,
+             ROUND(SUM(amount_brl), 2) as vol_brl
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+             ROUND(SUM(valor), 2) as vol_usd,
+             ROUND(SUM(valor_sol), 2) as vol_brl
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    const [usdUsd] = await conn.execute(`
+      SELECT DATE(created_at) as dia, COUNT(*) as qtd,
+             ROUND(SUM(valor), 2) as vol_usd
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+      GROUP BY DATE(created_at) ORDER BY dia
+    `, [dataInicio, dataFim]);
+
+    const formatRows = (rows) => rows.map(r => ({
+      dia: fmtDate(r.dia),
+      qtd: Number(r.qtd),
+      vol_usd: Number(r.vol_usd),
+      vol_brl: Number(r.vol_brl) || 0
+    }));
+
+    return {
+      brlUsd: formatRows(brlUsd),
+      usdBrl: formatRows(usdBrl),
+      usdUsd: formatRows(usdUsd)
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// KPIs por período customizado
+async function fetchKPIsByPeriod(dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const [brlUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(SUM(amount_usd), 2) as vol_usd,
+        ROUND(SUM(amount_brl), 2) as vol_brl,
+        ROUND(AVG(amount_usd), 2) as ticket_medio
+      FROM br_transaction_to_usa
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+    `, [dataInicio, dataFim]);
+
+    const [usdBrl] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(SUM(valor), 2) as vol_usd,
+        ROUND(SUM(valor_sol), 2) as vol_brl,
+        ROUND(AVG(valor), 2) as ticket_medio
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND cotacao IS NOT NULL AND cotacao > 0
+        AND (pgto IS NULL OR pgto != 'balance')
+    `, [dataInicio, dataFim]);
+
+    const [usdUsd] = await conn.execute(`
+      SELECT
+        COUNT(*) as qtd,
+        ROUND(SUM(valor), 2) as vol_usd,
+        ROUND(AVG(valor), 2) as ticket_medio
+      FROM pagamento_br
+      WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        AND (cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')
+    `, [dataInicio, dataFim]);
+
+    const format = (row) => ({
+      qtd: Number(row[0]?.qtd) || 0,
+      vol_usd: Number(row[0]?.vol_usd) || 0,
+      vol_brl: Number(row[0]?.vol_brl) || 0,
+      ticket_medio: Number(row[0]?.ticket_medio) || 0
+    });
+
+    const brlUsdData = format(brlUsd);
+    const usdBrlData = format(usdBrl);
+    const usdUsdData = format(usdUsd);
+
+    return {
+      brlUsd: brlUsdData,
+      usdBrl: usdBrlData,
+      usdUsd: usdUsdData,
+      total: {
+        qtd: brlUsdData.qtd + usdBrlData.qtd + usdUsdData.qtd,
+        vol_usd: brlUsdData.vol_usd + usdBrlData.vol_usd + usdUsdData.vol_usd,
+        vol_brl: brlUsdData.vol_brl + usdBrlData.vol_brl,
+        ticket_medio: Math.round((brlUsdData.vol_usd + usdBrlData.vol_usd + usdUsdData.vol_usd) /
+          (brlUsdData.qtd + usdBrlData.qtd + usdUsdData.qtd) || 0)
+      },
+      periodo: { inicio: dataInicio, fim: dataFim }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Top 5 agentes por período
+async function fetchTopAgentes(dias = 30) {
+  const conn = await pool.getConnection();
+  try {
+    const [rows] = await conn.execute(`
+      SELECT
+        agente_id,
+        SUM(qtd) as total_qtd,
+        ROUND(SUM(vol_usd), 2) as total_usd
+      FROM (
+        SELECT ac.agente_id, COUNT(*) as qtd, SUM(t.amount_usd) as vol_usd
+        FROM br_transaction_to_usa t
+        INNER JOIN ag_contas ac ON ac.conta_id = t.id_conta
+        WHERE t.created_at >= DATE_SUB(CURDATE(), INTERVAL ? DAY)
+        GROUP BY ac.agente_id
+        UNION ALL
+        SELECT ac.agente_id, COUNT(*) as qtd, SUM(p.valor) as vol_usd
+        FROM pagamento_br p
+        INNER JOIN ag_contas ac ON ac.conta_id = p.id_conta
+        WHERE p.created_at >= DATE_SUB(CURDATE(), INTERVAL ? DAY)
+        GROUP BY ac.agente_id
+      ) combined
+      GROUP BY agente_id
+      ORDER BY total_usd DESC
+      LIMIT 5
+    `, [dias, dias]);
+
+    return rows.map((r, i) => ({
+      rank: i + 1,
+      agente_id: r.agente_id,
+      qtd: Number(r.total_qtd),
+      vol_usd: Number(r.total_usd)
+    }));
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchDailyStats,
+  fetchKPIs,
+  fetchTrend30Days,
+  fetchTrendByPeriod,
+  fetchKPIsByPeriod,
+  fetchTopAgentes
+};

src/queries/helpers.js

@@ -0,0 +1,112 @@
+/**
+ * Shared SQL fragments, revenue formulas, and utility functions
+ * Used across all query modules to eliminate duplication
+ */
+const pool = require('../db-rds');
+
+// --- Utility Functions ---
+
+function parseDate(d) {
+  try {
+    if (!d) return null;
+    const dt = d instanceof Date ? d : new Date(d);
+    return isNaN(dt.getTime()) ? null : dt.toISOString().slice(0, 16).replace('T', ' ');
+  } catch (e) { return null; }
+}
+
+function fmtDate(d) {
+  return d instanceof Date ? d.toISOString().slice(0, 10) : String(d).slice(0, 10);
+}
+
+function fmtDateTime(d) {
+  try {
+    const dt = d instanceof Date ? d : new Date(d);
+    return dt.toISOString().slice(0, 16).replace('T', ' ');
+  } catch (e) { return String(d); }
+}
+
+/**
+ * Calculate previous period dates for comparison
+ */
+function calcPrevPeriod(dataInicio, dataFim) {
+  const start = new Date(dataInicio);
+  const end = new Date(dataFim);
+  const periodDays = Math.round((end - start) / (1000 * 60 * 60 * 24)) + 1;
+  const prevEnd = new Date(start);
+  prevEnd.setDate(prevEnd.getDate() - 1);
+  const prevStart = new Date(prevEnd);
+  prevStart.setDate(prevStart.getDate() - periodDays + 1);
+  return {
+    prevStartStr: prevStart.toISOString().slice(0, 10),
+    prevEndStr: prevEnd.toISOString().slice(0, 10),
+    periodDays
+  };
+}
+
+// --- Reusable SQL Fragments ---
+
+// BRL→USD spread revenue formula (per-row)
+const SQL_BRLUSD_SPREAD_REVENUE = `(exchange_rate - ptax) / exchange_rate * amount_usd`;
+
+// BRL→USD average spread percentage
+const SQL_BRLUSD_SPREAD_PCT = `(exchange_rate - ptax) / exchange_rate * 100`;
+
+// USD→BRL spread revenue formula (per-row)
+const SQL_USDBRL_SPREAD_REVENUE = `(ptax - cotacao) / ptax * valor`;
+
+// USD→BRL average spread percentage
+const SQL_USDBRL_SPREAD_PCT = `CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END`;
+
+// USD→BRL filter: real currency exchange (not balance)
+const SQL_USDBRL_FILTER = `cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')`;
+
+// USD→USD filter: balance or no cotacao
+const SQL_USDUSD_FILTER = `(cotacao IS NULL OR cotacao = 0 OR pgto = 'balance')`;
+
+// BR→US Revenue formula (real P&L per transaction)
+const SQL_BRUS_REVENUE = `(
+  (
+    ROUND((t.amount_brl - IF(pm.provider IN ('ouribank','bs2'), 0, t.fee)) / t.ptax, 2)
+    - COALESCE(t.pfee, 0)
+  ) - (
+    t.amount_usd + COALESCE(t.bonus_valor, 0) - COALESCE(t.taxa_cr, 0)
+  )
+)`;
+
+// BR→US valid provider filter
+const SQL_BRUS_PROVIDER_FILTER = `pm.provider IN ('dlocal','bexs','braza','bs2','ouribank','msb')`;
+
+// BR→US valid transaction status filter
+const SQL_BRUS_STATUS_FILTER = `(t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00')`;
+
+// Standard completed status for br_transaction_to_usa
+const SQL_COMPLETED_STATUSES = `('boleto_pago','finalizado')`;
+
+// Format trend rows (common across all query modules)
+function fmtTrendRows(rows) {
+  return rows.map(r => ({
+    dia: fmtDate(r.dia),
+    qtd: Number(r.qtd),
+    vol_usd: Number(r.vol_usd),
+    avg_spread: Number(r.avg_spread) || 0
+  }));
+}
+
+module.exports = {
+  pool,
+  parseDate,
+  fmtDate,
+  fmtDateTime,
+  calcPrevPeriod,
+  fmtTrendRows,
+  SQL_BRLUSD_SPREAD_REVENUE,
+  SQL_BRLUSD_SPREAD_PCT,
+  SQL_USDBRL_SPREAD_REVENUE,
+  SQL_USDBRL_SPREAD_PCT,
+  SQL_USDBRL_FILTER,
+  SQL_USDUSD_FILTER,
+  SQL_BRUS_REVENUE,
+  SQL_BRUS_PROVIDER_FILTER,
+  SQL_BRUS_STATUS_FILTER,
+  SQL_COMPLETED_STATUSES
+};

src/queries/payin.queries.js

@@ -0,0 +1,142 @@
+/**
+ * PayIn Queries — BRL→USD transactions (br_transaction_to_usa)
+ * Agent-level and admin-level transaction fetching
+ */
+const { pool, parseDate } = require('./helpers');
+
+async function fetchTransacoes(agenteId) {
+  const conn = await pool.getConnection();
+  try {
+    const [rowsBrlUsd] = await conn.execute(`
+      SELECT DISTINCT
+        c.nome                                             AS cliente,
+        t.created_at                                       AS data_operacao,
+        t.amount_brl                                       AS valor_reais,
+        t.amount_usd                                       AS valor_dolar,
+        t.iof                                              AS iof_pct,
+        ROUND(t.iof / 100 * t.amount_usd * t.exchange_rate, 2) AS iof_valor_rs,
+        ROUND(t.ptax, 4)                                   AS taxa_ptax,
+        ROUND(t.exchange_rate, 4)                           AS taxa_cobrada,
+        ROUND(t.exchange_rate - t.ptax, 4)                  AS spread_bruto,
+        ROUND((t.exchange_rate - t.ptax) / t.exchange_rate * 100, 2) AS spread_pct,
+        t.status
+      FROM br_transaction_to_usa t
+      INNER JOIN ag_contas ac ON ac.conta_id = t.id_conta AND ac.agente_id = ?
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      ORDER BY t.created_at
+    `, [agenteId]);
+
+    const [rowsUsdBrl] = await conn.execute(`
+      SELECT DISTINCT
+        c.nome                                             AS cliente,
+        p.created_at                                       AS data_operacao,
+        ROUND(p.valor * p.cotacao, 2)                      AS valor_reais,
+        p.valor                                            AS valor_dolar,
+        0                                                  AS iof_pct,
+        0                                                  AS iof_valor_rs,
+        ROUND(p.ptax, 4)                                   AS taxa_ptax,
+        ROUND(p.cotacao, 4)                                AS taxa_cobrada,
+        ROUND(p.ptax - p.cotacao, 4)                       AS spread_bruto,
+        CASE WHEN p.cotacao > 0 THEN ROUND((p.ptax - p.cotacao) / p.ptax * 100, 2) ELSE 0 END AS spread_pct,
+        p.pgto                                             AS status
+      FROM pagamento_br p
+      INNER JOIN conta c ON c.id_conta = p.id_conta
+      INNER JOIN ag_contas ac ON ac.conta_id = p.id_conta AND ac.agente_id = ?
+      ORDER BY p.created_at
+    `, [agenteId]);
+
+    return { rowsBrlUsd, rowsUsdBrl };
+  } finally {
+    conn.release();
+  }
+}
+
+function serialize(rowsBrlUsd, rowsUsdBrl) {
+  const dataBrlUsd = rowsBrlUsd.map(r => ({
+    fluxo: 'BRL → USD',
+    cliente: r.cliente,
+    data_operacao: parseDate(r.data_operacao),
+    data_sort: parseDate(r.data_operacao) || '',
+    valor_reais: Number(r.valor_reais),
+    valor_dolar: Number(r.valor_dolar),
+    iof_pct: Number(r.iof_pct),
+    iof_valor_rs: Number(r.iof_valor_rs),
+    taxa_ptax: Number(r.taxa_ptax),
+    taxa_cobrada: Number(r.taxa_cobrada),
+    spread_bruto: Number(r.spread_bruto),
+    spread_pct: Number(r.spread_pct),
+    status: r.status,
+  }));
+
+  const dataUsdBrl = rowsUsdBrl.map(r => ({
+    fluxo: 'USD → BRL',
+    cliente: r.cliente,
+    data_operacao: parseDate(r.data_operacao),
+    data_sort: parseDate(r.data_operacao) || '',
+    valor_reais: Number(r.valor_reais),
+    valor_dolar: Number(r.valor_dolar),
+    iof_pct: Number(r.iof_pct),
+    iof_valor_rs: Number(r.iof_valor_rs),
+    taxa_ptax: Number(r.taxa_ptax),
+    taxa_cobrada: Number(r.taxa_cobrada),
+    spread_bruto: Number(r.spread_bruto),
+    spread_pct: Number(r.spread_pct),
+    status: r.status,
+  }));
+
+  return [...dataBrlUsd, ...dataUsdBrl].sort((a, b) => a.data_sort.localeCompare(b.data_sort));
+}
+
+// Fetch ALL transactions (for admin) - with date filter for performance
+async function fetchAllTransacoes(diasAtras = 90) {
+  const conn = await pool.getConnection();
+  try {
+    const [rowsBrlUsd] = await conn.execute(`
+      SELECT
+        c.nome                                             AS cliente,
+        t.created_at                                       AS data_operacao,
+        t.amount_brl                                       AS valor_reais,
+        t.amount_usd                                       AS valor_dolar,
+        t.iof                                              AS iof_pct,
+        ROUND(t.iof / 100 * t.amount_usd * t.exchange_rate, 2) AS iof_valor_rs,
+        ROUND(t.ptax, 4)                                   AS taxa_ptax,
+        ROUND(t.exchange_rate, 4)                           AS taxa_cobrada,
+        ROUND(t.exchange_rate - t.ptax, 4)                  AS spread_bruto,
+        ROUND((t.exchange_rate - t.ptax) / t.exchange_rate * 100, 2) AS spread_pct,
+        t.status
+      FROM br_transaction_to_usa t
+      INNER JOIN conta c ON c.id_conta = t.id_conta
+      WHERE t.created_at >= DATE_SUB(CURDATE(), INTERVAL ? DAY)
+      ORDER BY t.created_at DESC
+    `, [diasAtras]);
+
+    const [rowsUsdBrl] = await conn.execute(`
+      SELECT
+        c.nome                                             AS cliente,
+        p.created_at                                       AS data_operacao,
+        ROUND(p.valor * p.cotacao, 2)                      AS valor_reais,
+        p.valor                                            AS valor_dolar,
+        0                                                  AS iof_pct,
+        0                                                  AS iof_valor_rs,
+        ROUND(p.ptax, 4)                                   AS taxa_ptax,
+        ROUND(p.cotacao, 4)                                AS taxa_cobrada,
+        ROUND(p.ptax - p.cotacao, 4)                       AS spread_bruto,
+        CASE WHEN p.cotacao > 0 THEN ROUND((p.ptax - p.cotacao) / p.ptax * 100, 2) ELSE 0 END AS spread_pct,
+        p.pgto                                             AS status
+      FROM pagamento_br p
+      INNER JOIN conta c ON c.id_conta = p.id_conta
+      WHERE p.created_at >= DATE_SUB(CURDATE(), INTERVAL ? DAY)
+      ORDER BY p.created_at DESC
+    `, [diasAtras]);
+
+    return { rowsBrlUsd, rowsUsdBrl };
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchTransacoes,
+  serialize,
+  fetchAllTransacoes
+};

src/queries/payout.queries.js

@@ -0,0 +1,11 @@
+/**
+ * PayOut Queries — USD→BRL payments (pagamento_br)
+ * Currently the payout-specific queries are embedded in payin.queries.js and corporate.queries.js
+ * This module serves as a namespace for future payout-specific analytics
+ */
+
+// Currently payout queries are co-located with their paired payin queries
+// (fetchTransacoes returns both BRL→USD and USD→BRL, etc.)
+// This module is a placeholder for payout-only queries as they emerge.
+
+module.exports = {};

src/queries/provider.queries.js

@@ -0,0 +1,198 @@
+/**
+ * Provider Performance Queries
+ * Success rates, volumes, settlement analytics per payment provider
+ */
+const { pool, fmtDate } = require('./helpers');
+
+// Provider performance: success rate, volume, avg ticket, spread, settlement per provider
+async function fetchProviderPerformance(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    // BRL→USD providers (br_payment_methods)
+    const [payinProviders] = await conn.execute(`
+      SELECT
+        COALESCE(pm.provider, 'N/A') as provider,
+        'BRL→USD' as flow,
+        COUNT(*) as total_tx,
+        SUM(CASE WHEN t.status IN ('boleto_pago','finalizado') OR t.date_sent_usa <> '0000-00-00 00:00:00' THEN 1 ELSE 0 END) as success_tx,
+        ROUND(COALESCE(SUM(t.amount_usd), 0), 2) as vol_usd,
+        ROUND(COALESCE(AVG(t.amount_usd), 0), 2) as avg_ticket,
+        ROUND(COALESCE(AVG((t.exchange_rate - t.ptax) / t.exchange_rate * 100), 0), 2) as avg_spread_pct,
+        ROUND(COALESCE(AVG(
+          CASE WHEN t.date_sent_usa <> '0000-00-00 00:00:00' AND t.created_at IS NOT NULL
+          THEN TIMESTAMPDIFF(HOUR, t.created_at, t.date_sent_usa) END
+        ), 0), 1) as avg_settlement_hours
+      FROM br_transaction_to_usa t
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      GROUP BY pm.provider
+      ORDER BY vol_usd DESC
+    `, [start, end]);
+
+    // USD→BRL providers (tipo_envio)
+    const [payoutProviders] = await conn.execute(`
+      SELECT
+        COALESCE(p.tipo_envio, 'N/A') as provider,
+        'USD→BRL' as flow,
+        COUNT(*) as total_tx,
+        SUM(CASE WHEN p.data_cp IS NOT NULL AND p.data_cp <> '0000-00-00' THEN 1 ELSE 0 END) as success_tx,
+        ROUND(COALESCE(SUM(p.valor), 0), 2) as vol_usd,
+        ROUND(COALESCE(AVG(p.valor), 0), 2) as avg_ticket,
+        ROUND(COALESCE(AVG(CASE WHEN p.cotacao > 0 THEN (p.ptax - p.cotacao) / p.ptax * 100 ELSE 0 END), 0), 2) as avg_spread_pct,
+        ROUND(COALESCE(AVG(
+          CASE WHEN p.data_cp IS NOT NULL AND p.data_cp <> '0000-00-00'
+          THEN TIMESTAMPDIFF(HOUR, p.created_at, p.data_cp) END
+        ), 0), 1) as avg_settlement_hours
+      FROM pagamento_br p
+      WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0
+        AND (p.pgto IS NULL OR p.pgto != 'balance')
+      GROUP BY p.tipo_envio
+      ORDER BY vol_usd DESC
+    `, [start, end]);
+
+    const allProviders = [...payinProviders, ...payoutProviders].map(r => ({
+      provider: r.provider,
+      flow: r.flow,
+      total_tx: Number(r.total_tx) || 0,
+      success_tx: Number(r.success_tx) || 0,
+      success_rate: Number(r.total_tx) > 0 ? Math.round(Number(r.success_tx) / Number(r.total_tx) * 10000) / 100 : 0,
+      vol_usd: Number(r.vol_usd) || 0,
+      avg_ticket: Number(r.avg_ticket) || 0,
+      avg_spread_pct: Number(r.avg_spread_pct) || 0,
+      avg_settlement_hours: Number(r.avg_settlement_hours) || 0
+    }));
+
+    // Summary KPIs
+    const totalProviders = new Set(allProviders.map(p => p.provider)).size;
+    const totalTx = allProviders.reduce((s, p) => s + p.total_tx, 0);
+    const totalSuccess = allProviders.reduce((s, p) => s + p.success_tx, 0);
+    const totalVol = allProviders.reduce((s, p) => s + p.vol_usd, 0);
+    const avgSettlement = allProviders.length > 0
+      ? Math.round(allProviders.reduce((s, p) => s + p.avg_settlement_hours, 0) / allProviders.length * 10) / 10
+      : 0;
+
+    return {
+      providers: allProviders,
+      summary: {
+        total_providers: totalProviders,
+        overall_success_rate: totalTx > 0 ? Math.round(totalSuccess / totalTx * 10000) / 100 : 0,
+        total_volume: totalVol,
+        avg_settlement_hours: avgSettlement
+      }
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Failed transactions breakdown by status, provider, date
+async function fetchFailedTransactions(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    // BRL→USD failed
+    const [payinFailed] = await conn.execute(`
+      SELECT
+        COALESCE(pm.provider, 'N/A') as provider,
+        'BRL→USD' as flow,
+        t.status,
+        COUNT(*) as count,
+        ROUND(COALESCE(SUM(t.amount_usd), 0), 2) as vol_usd,
+        DATE(t.created_at) as date
+      FROM br_transaction_to_usa t
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+        AND t.status NOT IN ('boleto_pago','finalizado')
+        AND (t.date_sent_usa IS NULL OR t.date_sent_usa = '0000-00-00 00:00:00')
+      GROUP BY pm.provider, t.status, DATE(t.created_at)
+      ORDER BY count DESC
+    `, [start, end]);
+
+    // USD→BRL failed
+    const [payoutFailed] = await conn.execute(`
+      SELECT
+        COALESCE(p.tipo_envio, 'N/A') as provider,
+        'USD→BRL' as flow,
+        COALESCE(p.pgto, 'pending') as status,
+        COUNT(*) as count,
+        ROUND(COALESCE(SUM(p.valor), 0), 2) as vol_usd,
+        DATE(p.created_at) as date
+      FROM pagamento_br p
+      WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
+        AND (p.data_cp IS NULL OR p.data_cp = '0000-00-00')
+        AND p.cotacao IS NOT NULL AND p.cotacao > 0
+        AND (p.pgto IS NULL OR p.pgto != 'balance')
+      GROUP BY p.tipo_envio, p.pgto, DATE(p.created_at)
+      ORDER BY count DESC
+    `, [start, end]);
+
+    const allFailed = [...payinFailed, ...payoutFailed].map(r => ({
+      provider: r.provider,
+      flow: r.flow,
+      status: r.status,
+      count: Number(r.count),
+      vol_usd: Number(r.vol_usd),
+      date: fmtDate(r.date)
+    }));
+
+    // Summary by provider
+    const byProvider = {};
+    allFailed.forEach(r => {
+      if (!byProvider[r.provider]) byProvider[r.provider] = { provider: r.provider, count: 0, vol_usd: 0 };
+      byProvider[r.provider].count += r.count;
+      byProvider[r.provider].vol_usd += r.vol_usd;
+    });
+
+    // Summary by status
+    const byStatus = {};
+    allFailed.forEach(r => {
+      if (!byStatus[r.status]) byStatus[r.status] = { status: r.status, count: 0, vol_usd: 0 };
+      byStatus[r.status].count += r.count;
+      byStatus[r.status].vol_usd += r.vol_usd;
+    });
+
+    return {
+      details: allFailed,
+      byProvider: Object.values(byProvider).sort((a, b) => b.count - a.count),
+      byStatus: Object.values(byStatus).sort((a, b) => b.count - a.count),
+      total_failed: allFailed.reduce((s, r) => s + r.count, 0),
+      total_vol_failed: Math.round(allFailed.reduce((s, r) => s + r.vol_usd, 0) * 100) / 100
+    };
+  } finally {
+    conn.release();
+  }
+}
+
+// Provider trend: daily volume/count per provider
+async function fetchProviderTrend(start, end) {
+  const conn = await pool.getConnection();
+  try {
+    const [payinTrend] = await conn.execute(`
+      SELECT
+        DATE(t.created_at) as dia,
+        COALESCE(pm.provider, 'N/A') as provider,
+        COUNT(*) as qtd,
+        ROUND(SUM(t.amount_usd), 2) as vol_usd
+      FROM br_transaction_to_usa t
+      LEFT JOIN br_payment_methods pm ON t.payment_method_id = pm.id
+      WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
+      GROUP BY DATE(t.created_at), pm.provider
+      ORDER BY dia, provider
+    `, [start, end]);
+
+    return payinTrend.map(r => ({
+      dia: fmtDate(r.dia),
+      provider: r.provider,
+      qtd: Number(r.qtd),
+      vol_usd: Number(r.vol_usd)
+    }));
+  } finally {
+    conn.release();
+  }
+}
+
+module.exports = {
+  fetchProviderPerformance,
+  fetchFailedTransactions,
+  fetchProviderTrend
+};

src/services/churn-predictor.js

@@ -0,0 +1,126 @@
+/**
+ * Churn Prediction — Weighted RFM Model
+ * Recency 30%, Frequency 25%, Monetary 20%, Velocity 15%, Engagement 10%
+ */
+
+const WEIGHTS = {
+  recency: 0.30,
+  frequency: 0.25,
+  monetary: 0.20,
+  velocity: 0.15,
+  engagement: 0.10
+};
+
+/**
+ * Score a single dimension 0-100 (higher = healthier / lower risk)
+ */
+function scoreRecency(daysInactive) {
+  if (daysInactive === null || daysInactive === undefined) return 0;
+  if (daysInactive <= 3) return 100;
+  if (daysInactive <= 7) return 90;
+  if (daysInactive <= 14) return 75;
+  if (daysInactive <= 30) return 55;
+  if (daysInactive <= 60) return 35;
+  if (daysInactive <= 90) return 15;
+  return 5;
+}
+
+function scoreFrequency(opsPerMonth) {
+  if (!opsPerMonth || opsPerMonth <= 0) return 0;
+  if (opsPerMonth >= 20) return 100;
+  if (opsPerMonth >= 10) return 85;
+  if (opsPerMonth >= 5) return 70;
+  if (opsPerMonth >= 2) return 50;
+  if (opsPerMonth >= 1) return 30;
+  return 10;
+}
+
+function scoreMonetary(avgMonthlyVol) {
+  if (!avgMonthlyVol || avgMonthlyVol <= 0) return 0;
+  if (avgMonthlyVol >= 100000) return 100;
+  if (avgMonthlyVol >= 50000) return 85;
+  if (avgMonthlyVol >= 20000) return 70;
+  if (avgMonthlyVol >= 5000) return 50;
+  if (avgMonthlyVol >= 1000) return 30;
+  return 10;
+}
+
+function scoreVelocity(currPeriodOps, prevPeriodOps) {
+  if (!prevPeriodOps || prevPeriodOps <= 0) {
+    return currPeriodOps > 0 ? 60 : 0; // New client or dormant
+  }
+  const ratio = currPeriodOps / prevPeriodOps;
+  if (ratio >= 1.5) return 100;  // Strong growth
+  if (ratio >= 1.1) return 85;   // Growth
+  if (ratio >= 0.9) return 70;   // Stable
+  if (ratio >= 0.7) return 40;   // Declining
+  if (ratio >= 0.5) return 20;   // Significant decline
+  return 5;                       // Severe decline
+}
+
+function scoreEngagement(monthsActive, productCount) {
+  // Product count: 1 = single flow, 2 = both BRL→USD and USD→BRL, 3 = includes checkout
+  const tenurePts = Math.min(monthsActive || 0, 24) / 24 * 50;
+  const productPts = Math.min(productCount || 1, 3) / 3 * 50;
+  return Math.round(tenurePts + productPts);
+}
+
+/**
+ * Predict churn risk for a client
+ * @param {Object} clientData - Client profile data
+ * @param {number} clientData.days_inactive - Days since last transaction
+ * @param {number} clientData.avg_monthly_ops - Average operations per month
+ * @param {number} clientData.avg_monthly_vol - Average monthly volume in USD
+ * @param {number} clientData.months_active - Total months with activity
+ * @param {number} [clientData.curr_ops] - Current period operations
+ * @param {number} [clientData.prev_ops] - Previous period operations
+ * @param {number} [clientData.product_count] - Number of products used (1-3)
+ * @returns {{ score: number, risk: string, factors: Object[] }}
+ */
+function predictChurnRisk(clientData) {
+  const scores = {
+    recency: scoreRecency(clientData.days_inactive),
+    frequency: scoreFrequency(clientData.avg_monthly_ops),
+    monetary: scoreMonetary(clientData.avg_monthly_vol),
+    velocity: scoreVelocity(clientData.curr_ops || 0, clientData.prev_ops || 0),
+    engagement: scoreEngagement(clientData.months_active, clientData.product_count || 1)
+  };
+
+  // Weighted score (0-100, higher = healthier)
+  const healthScore = Math.round(
+    scores.recency * WEIGHTS.recency +
+    scores.frequency * WEIGHTS.frequency +
+    scores.monetary * WEIGHTS.monetary +
+    scores.velocity * WEIGHTS.velocity +
+    scores.engagement * WEIGHTS.engagement
+  );
+
+  // Invert to churn risk (0-100, higher = more likely to churn)
+  const churnScore = 100 - healthScore;
+
+  let risk;
+  if (churnScore >= 75) risk = 'critical';
+  else if (churnScore >= 50) risk = 'high';
+  else if (churnScore >= 25) risk = 'medium';
+  else risk = 'low';
+
+  // Identify key risk factors
+  const factors = Object.entries(scores)
+    .map(([name, score]) => ({
+      name,
+      score,
+      weight: WEIGHTS[name],
+      contribution: Math.round((100 - score) * WEIGHTS[name]),
+      status: score >= 70 ? 'good' : score >= 40 ? 'warning' : 'critical'
+    }))
+    .sort((a, b) => b.contribution - a.contribution);
+
+  return {
+    score: churnScore,
+    health_score: healthScore,
+    risk,
+    factors
+  };
+}
+
+module.exports = { predictChurnRisk };

src/services/forecast.js

@@ -0,0 +1,103 @@
+/**
+ * Volume Forecasting — Exponential Smoothing with Confidence Bands
+ * Pure JS, no external dependencies
+ */
+
+/**
+ * Simple Exponential Smoothing (SES) forecast
+ * @param {number[]} data - Historical time series values
+ * @param {number} periodsAhead - Number of periods to forecast
+ * @param {number} alpha - Smoothing factor (0-1), default 0.3
+ * @returns {{ forecast: number[], confidence: { upper: number[], lower: number[] }, fitted: number[] }}
+ */
+function forecast(data, periodsAhead = 7, alpha = 0.3) {
+  if (!data || data.length === 0) {
+    return { forecast: [], confidence: { upper: [], lower: [] }, fitted: [] };
+  }
+
+  // Initialize with first value
+  const n = data.length;
+  const fitted = new Array(n);
+  fitted[0] = data[0];
+
+  // Fit the model
+  for (let i = 1; i < n; i++) {
+    fitted[i] = alpha * data[i] + (1 - alpha) * fitted[i - 1];
+  }
+
+  // Calculate residuals for confidence bands
+  const residuals = data.map((v, i) => v - fitted[i]);
+  const mse = residuals.reduce((s, r) => s + r * r, 0) / n;
+  const rmse = Math.sqrt(mse);
+
+  // Forecast
+  const lastFitted = fitted[n - 1];
+  const forecastValues = [];
+  const upper = [];
+  const lower = [];
+
+  // Also apply Holt's trend if data shows clear trend
+  const trendWindow = Math.min(7, Math.floor(n / 2));
+  let trend = 0;
+  if (n >= 4) {
+    const recentAvg = data.slice(-trendWindow).reduce((s, v) => s + v, 0) / trendWindow;
+    const olderAvg = data.slice(-trendWindow * 2, -trendWindow).reduce((s, v) => s + v, 0) / Math.min(trendWindow, data.slice(-trendWindow * 2, -trendWindow).length || 1);
+    if (olderAvg > 0) {
+      trend = (recentAvg - olderAvg) / trendWindow;
+    }
+  }
+
+  for (let i = 1; i <= periodsAhead; i++) {
+    const predicted = lastFitted + trend * i;
+    const confidenceWidth = rmse * 1.96 * Math.sqrt(i); // 95% confidence
+    forecastValues.push(Math.max(0, Math.round(predicted * 100) / 100));
+    upper.push(Math.max(0, Math.round((predicted + confidenceWidth) * 100) / 100));
+    lower.push(Math.max(0, Math.round((predicted - confidenceWidth) * 100) / 100));
+  }
+
+  return {
+    forecast: forecastValues,
+    confidence: { upper, lower },
+    fitted: fitted.map(v => Math.round(v * 100) / 100)
+  };
+}
+
+/**
+ * Prepare time series from daily trend data and forecast ahead
+ * @param {Object[]} trendData - Array of { dia, vol_usd } or { dia, qtd }
+ * @param {string} metric - 'vol_usd' or 'qtd'
+ * @param {number} daysAhead - Days to forecast
+ * @returns {{ historical: Object[], predicted: Object[], confidence_upper: Object[], confidence_lower: Object[] }}
+ */
+function forecastFromTrend(trendData, metric = 'vol_usd', daysAhead = 30) {
+  if (!trendData || trendData.length < 3) {
+    return { historical: trendData || [], predicted: [], confidence_upper: [], confidence_lower: [] };
+  }
+
+  const values = trendData.map(d => Number(d[metric]) || 0);
+  const result = forecast(values, daysAhead);
+
+  // Generate future dates
+  const lastDate = new Date(trendData[trendData.length - 1].dia);
+  const predicted = [];
+  const confUpper = [];
+  const confLower = [];
+
+  for (let i = 0; i < daysAhead; i++) {
+    const d = new Date(lastDate);
+    d.setDate(d.getDate() + i + 1);
+    const dia = d.toISOString().slice(0, 10);
+    predicted.push({ dia, [metric]: result.forecast[i] });
+    confUpper.push({ dia, [metric]: result.confidence.upper[i] });
+    confLower.push({ dia, [metric]: result.confidence.lower[i] });
+  }
+
+  return {
+    historical: trendData,
+    predicted,
+    confidence_upper: confUpper,
+    confidence_lower: confLower
+  };
+}
+
+module.exports = { forecast, forecastFromTrend };

src/ui-template.js

@@ -229,6 +229,46 @@ const headerCSS = `
     background: rgba(255,255,255,0.25);
   }
 
+  /* Alert Bell */
+  .alert-bell {
+    position: relative; cursor: pointer; color: white;
+    width: 36px; height: 36px; display: flex; align-items: center; justify-content: center;
+    background: rgba(255,255,255,0.1); border-radius: 50%; transition: all 0.2s;
+  }
+  .alert-bell:hover { background: rgba(255,255,255,0.2); }
+  .alert-badge {
+    position: absolute; top: -2px; right: -2px; background: #D93025; color: white;
+    font-size: 10px; font-weight: 700; min-width: 18px; height: 18px; line-height: 18px;
+    text-align: center; border-radius: 9px; padding: 0 4px;
+  }
+  .alert-dropdown {
+    position: absolute; top: 60px; right: 40px; width: 360px; max-height: 400px;
+    background: var(--card); border: 1px solid var(--border); border-radius: 12px;
+    box-shadow: 0 8px 32px rgba(0,0,0,0.2); z-index: 1000; overflow: hidden;
+  }
+  .alert-dropdown-header {
+    display: flex; justify-content: space-between; align-items: center;
+    padding: 12px 16px; border-bottom: 1px solid var(--border);
+    font-size: 13px; color: var(--text);
+  }
+  .alert-dropdown-close { cursor: pointer; font-size: 18px; color: var(--text-muted); }
+  .alert-dropdown-body {
+    max-height: 340px; overflow-y: auto; padding: 8px;
+  }
+  .alert-item {
+    padding: 10px 12px; border-radius: 8px; margin-bottom: 4px;
+    font-size: 12px; line-height: 1.4; cursor: pointer; transition: background 0.15s;
+  }
+  .alert-item:hover { background: var(--bg); }
+  .alert-item .alert-severity {
+    display: inline-block; padding: 1px 6px; border-radius: 4px;
+    font-size: 10px; font-weight: 700; margin-right: 6px;
+  }
+  .alert-item .alert-severity.P0 { background: var(--red-bg); color: var(--red); }
+  .alert-item .alert-severity.P1 { background: var(--orange-bg); color: var(--orange); }
+  .alert-item .alert-severity.P2 { background: var(--blue-bg); color: var(--blue); }
+  .alert-item .alert-time { color: var(--text-muted); font-size: 10px; display: block; margin-top: 4px; }
+
   /* Theme Toggle */
   .btn-theme-toggle {
     background: rgba(255,255,255,0.15);
@@ -361,12 +401,13 @@ function buildHeader(options = {}) {
     .join('')
     .toUpperCase();
 
-  // Admin navigation: Corporate Dashboard + BI + Users
+  // Admin navigation: Corporate Dashboard + BI + Clients + Providers + Users
   const adminNav = `
     <nav class="header-nav">
       <a href="/corporate" class="${activePage === 'dashboard' ? 'active' : ''}">Corporate</a>
       <a href="/admin/bi" class="${activePage === 'bi' ? 'active' : ''}">BI Executive</a>
       <a href="/admin/cliente" class="${activePage === 'cliente' ? 'active' : ''}">Clientes</a>
+      <a href="/admin/providers" class="${activePage === 'providers' ? 'active' : ''}">Providers</a>
       <a href="/admin" class="${activePage === 'users' ? 'active' : ''}">Usuarios</a>
     </nav>
   `;
@@ -412,6 +453,21 @@ function buildHeader(options = {}) {
         </a>
         ${showNav ? nav : ''}
         <div class="header-user">
+          ${isAdmin ? `
+          <div class="alert-bell" id="alertBell" onclick="toggleAlertDropdown()" title="Alerts">
+            <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M18 8A6 6 0 0 0 6 8c0 7-3 9-3 9h18s-3-2-3-9"></path><path d="M13.73 21a2 2 0 0 1-3.46 0"></path></svg>
+            <span class="alert-badge" id="alertBadge" style="display:none">0</span>
+          </div>
+          <div class="alert-dropdown" id="alertDropdown" style="display:none">
+            <div class="alert-dropdown-header">
+              <strong>Alerts (24h)</strong>
+              <span class="alert-dropdown-close" onclick="toggleAlertDropdown()">&times;</span>
+            </div>
+            <div class="alert-dropdown-body" id="alertDropdownBody">
+              <span style="color:var(--text-muted);font-size:12px">Loading...</span>
+            </div>
+          </div>
+          ` : ''}
           <div class="user-info">
             <span class="user-avatar">${initials}</span>
             <span>${userName}</span>
@@ -465,6 +521,60 @@ const themeScript = `
     document.addEventListener('DOMContentLoaded', function() {
       var icon = document.getElementById('themeIcon');
       if (icon) icon.textContent = document.documentElement.getAttribute('data-theme') === 'dark' ? '\\u2600' : '\\u263E';
+      // Load alert badge count
+      if (document.getElementById('alertBell')) {
+        fetch('/admin/api/alerts?unacked=1')
+          .then(function(r){return r.json()})
+          .then(function(d){
+            var badge = document.getElementById('alertBadge');
+            if (badge && d.unacked_count > 0) {
+              badge.textContent = d.unacked_count > 99 ? '99+' : d.unacked_count;
+              badge.style.display = 'block';
+            }
+          }).catch(function(){});
+      }
+    });
+    function toggleAlertDropdown() {
+      var dd = document.getElementById('alertDropdown');
+      if (!dd) return;
+      var visible = dd.style.display !== 'none';
+      dd.style.display = visible ? 'none' : 'block';
+      if (!visible) loadAlertDropdown();
+    }
+    function loadAlertDropdown() {
+      var body = document.getElementById('alertDropdownBody');
+      if (!body) return;
+      fetch('/admin/api/alerts')
+        .then(function(r){return r.json()})
+        .then(function(d){
+          if (!d.alerts || d.alerts.length === 0) {
+            body.innerHTML = '<div style="padding:16px;text-align:center;color:var(--text-muted);font-size:12px">No alerts in last 24h</div>';
+            return;
+          }
+          body.innerHTML = d.alerts.slice(0, 20).map(function(a){
+            return '<div class="alert-item" onclick="ackAlert('+a.id+')">' +
+              '<span class="alert-severity '+a.severity+'">'+a.severity+'</span>' +
+              '<span>'+a.message.substring(0,120)+'</span>' +
+              '<span class="alert-time">'+a.created_at+(a.acknowledged?' (acked)':'')+'</span></div>';
+          }).join('');
+        }).catch(function(e){ body.innerHTML = '<div style="padding:12px;color:var(--red);font-size:12px">Error loading alerts</div>'; });
+    }
+    function ackAlert(id) {
+      fetch('/admin/api/alerts/'+id+'/ack', {method:'PUT'})
+        .then(function(){ loadAlertDropdown(); })
+        .catch(function(){});
+      var badge = document.getElementById('alertBadge');
+      if (badge) {
+        var c = parseInt(badge.textContent) || 0;
+        if (c > 1) { badge.textContent = c - 1; } else { badge.style.display = 'none'; }
+      }
+    }
+    document.addEventListener('click', function(e) {
+      var dd = document.getElementById('alertDropdown');
+      var bell = document.getElementById('alertBell');
+      if (dd && bell && dd.style.display !== 'none' && !dd.contains(e.target) && !bell.contains(e.target)) {
+        dd.style.display = 'none';
+      }
     });
   <\/script>
 `;