fix(assets): hold each task's money under balance

src/usersim/engine/assets/financial_services/SCHEMA.md

@@ -257,8 +257,10 @@ A task is a **parameterized generator**, not a fixed string. `tasks.yaml` holds
 (see `dynamic.yaml` below), not scripted here. `templates`: each `id`, `tier`
 (verifiable), `task_type`, `domain`, `placeholder`, `persona_tags` (see below),
 `opening_user_messages` (a LIST of `{{slot}}` templates; author >=3),
-`account_state` (seed state the tools mutate), `param_space` (per-instance
-slot values), `gold_tool_sequence`, `ordered` (OPTIONAL, default `false`),
+`account_state` (seed state the tools mutate; hold the account's money under
+`balance`, the one amount the account view and the simulated customer see, as a
+plain number like `12000.00`), `param_space` (per-instance slot values),
+`gold_tool_sequence`, `ordered` (OPTIONAL, default `false`),
 `gold_document_ids` (OPTIONAL -- see below), `expected_state_deltas`,
 `allowed_tools` (OPTIONAL). Verifiable templates carry a
 derivable gold spec whose docs/tools MUST live within the SAME institution (scope

src/usersim/engine/assets/financial_services/de_DE/brokerage/kranich_invest/tasks.yaml

@@ -21,7 +21,7 @@ templates:
   account_state:
     account_id: acct_kr_0001
     account_type: Depot
-    cash_balance: '6000.00'
+    balance: '6000.00'
   param_space:
     stock: [Siemens, SAP, Allianz]
     qty: ['5', '10', '20']
@@ -157,7 +157,7 @@ templates:
     Können Sie {{amount}} € aus meinem Depot-Guthaben an meine Bank überweisen?
   account_state:
     account_id: acct_kr_0001
-    cash_balance: '12000.00'
+    balance: '12000.00'
     linked_bank: bank_kr_0001
   param_space:
     amount: ['1.500', '4.000']
@@ -287,22 +287,22 @@ templates:
   opening_user_messages:
   - >-
     Ich löse mein Depot auf: Streichen Sie bitte meine offene Order, zahlen Sie
-    das Guthaben von {{amount}} € auf mein Referenzkonto aus und kündigen Sie
-    danach das Depot.
+    mein gesamtes Guthaben auf mein Referenzkonto aus und kündigen Sie danach
+    das Depot.
   - >-
-    Bitte stornieren Sie meine offene Order, überweisen Sie die {{amount}} € auf
-    mein Girokonto und schließen Sie anschließend mein Depot.
+    Bitte stornieren Sie meine offene Order, überweisen Sie mein komplettes
+    Guthaben auf mein Girokonto und schließen Sie anschließend mein Depot.
   - >-
-    Können Sie die offene Order löschen, mir die {{amount}} € auszahlen und dann
-    mein Depot kündigen?
+    Können Sie die offene Order löschen, mir das ganze Guthaben auszahlen und
+    dann mein Depot kündigen?
   account_state:
     account_id: acct_kr_0002
     account_type: Depot
-    cash_balance: '{{amount}}'
+    balance: '{{amount}}'
     orders:
     - {order_id: ord_kr_0002, ticker: '{{stock}}', status: open}
   param_space:
-    amount: ['3.000', '12.000']
+    amount: ['3000.00', '12000.00']
     stock: [SAP, Allianz]
   gold_tool_sequence: [cancel_order, withdraw_funds, close_account]
   # strict chain: cancel the open order to free the cash, withdraw it, THEN close.
@@ -355,7 +355,7 @@ templates:
   account_state:
     account_id: acct_kr_0001
     account_type: Depot
-    cash_balance: '9000.00'
+    balance: '9000.00'
   param_space:
     stock: [Siemens, SAP]
     qty: ['10', '15']
@@ -384,7 +384,7 @@ templates:
   account_state:
     account_id: acct_kr_0001
     kid_account_id: acct_kr_kid_0001
-    cash_balance: '5000.00'
+    balance: '5000.00'
   param_space:
     amount: ['500', '1.500']
     monthly: ['25', '50']

src/usersim/engine/assets/financial_services/en_US/bank/northwind_bank/tasks.yaml

@@ -78,7 +78,7 @@ templates:
   account_state:
     account_id: acct_nb_0001
     savings_account_id: acct_nb_sav_0001
-    checking_balance: '10000.00'
+    balance: '10000.00'
   param_space:
     amount: ['250.00', '1000.00', '5000.00']
   gold_tool_sequence: [transfer_funds]

src/usersim/engine/assets/financial_services/en_US/brokerage/solstice_invest/tasks.yaml

@@ -81,7 +81,7 @@ templates:
   - Please move ${{amount}} of cash out to my bank account.
   account_state:
     account_id: acct_si_0001
-    cash_balance: '30000.00'
+    balance: '30000.00'
     linked_bank: bank_si_0001
   param_space:
     amount: ['2000.00', '10000.00']
@@ -99,7 +99,7 @@ templates:
   - I'd like to sweep ${{amount}} of cash from my brokerage over to my bank.
   account_state:
     account_id: acct_si_0001
-    cash_balance: '30000.00'
+    balance: '30000.00'
   param_space:
     amount: ['500.00', '3000.00']
   gold_tool_sequence: [transfer_funds]
@@ -275,7 +275,7 @@ templates:
     the account down?
   account_state:
     account_id: acct_si_0002
-    cash_balance: '{{amount}}'
+    balance: '{{amount}}'
     orders:
     - {order_id: ord_si_0002, ticker: '{{ticker}}', status: open}
   param_space:
@@ -351,7 +351,7 @@ templates:
     update my address to {{address}}?
   account_state:
     account_id: acct_si_0001
-    cash_balance: '{{amount}}'
+    balance: '{{amount}}'
     orders:
     - {order_id: ord_si_0003, ticker: '{{ticker}}', status: open}
   param_space:

src/usersim/engine/assets/financial_services/en_US/retirement_provider/evergreen_retirement/tasks.yaml

@@ -105,7 +105,7 @@ templates:
   - Can you help me request a ${{amount}} loan against my 401(k)?
   account_state:
     account_id: acct_er_401k_active_0001
-    vested_balance: '80000.00'
+    balance: '80000.00'
   param_space:
     amount: ['5000.00', '15000.00']
   gold_tool_sequence: [plan_loan]
@@ -267,7 +267,7 @@ templates:
     ${{contrib}}, and enable loan-payment alerts.
   account_state:
     account_id: acct_er_401k_active_0001
-    vested_balance: '90000.00'
+    balance: '90000.00'
   param_space:
     amount: ['10000.00', '20000.00']
     contrib: ['150.00', '250.00']

src/usersim/engine/assets/financial_services/fr_FR/bank/credit_mirabelle/tasks.yaml

@@ -83,7 +83,7 @@ templates:
   account_state:
     account_id: acct_cm_0001
     savings_account_id: acct_cm_liv_0001
-    checking_balance: '10000.00'
+    balance: '10000.00'
   param_space:
     amount: ['250', '1 000', '5 000']
   gold_tool_sequence: [transfer_funds]

src/usersim/engine/assets/financial_services/fr_FR/brokerage/valbreuil_bourse/tasks.yaml

@@ -96,7 +96,7 @@ templates:
     bancaire.
   account_state:
     account_id: acct_vb_0001
-    cash_balance: '30000.00'
+    balance: '30000.00'
     linked_bank: bank_vb_0001
   param_space:
     amount: ['2 000', '10 000']
@@ -120,7 +120,7 @@ templates:
     banque.
   account_state:
     account_id: acct_vb_0001
-    cash_balance: '30000.00'
+    balance: '30000.00'
   param_space:
     amount: ['500', '3 000']
   gold_tool_sequence: [transfer_funds]
@@ -246,7 +246,7 @@ templates:
   account_state:
     account_id: acct_vb_0001
     account_type: PEA
-    cash_balance: '8000.00'
+    balance: '8000.00'
   param_space:
     ticker: [Air Liquide, Schneider Electric, TotalEnergies]
     qty: ['5', '10', '25']
@@ -270,7 +270,7 @@ templates:
   account_state:
     account_id: acct_vb_0001
     account_type: PEA
-    cash_balance: '2000.00'
+    balance: '2000.00'
   param_space:
     etf: [MSCI World, S&P 500, Stoxx Europe 600]
     amount: ['50', '100', '250']
@@ -357,22 +357,22 @@ templates:
   persona_tags: [region:any, age:any]
   opening_user_messages:
   - >-
-    Merci d'annuler mon ordre en cours, de retirer les {{amount}} € de liquidités
-    vers ma banque, puis de clôturer le compte-titres.
+    Merci d'annuler mon ordre en cours, de retirer toutes mes liquidités vers ma
+    banque, puis de clôturer le compte-titres.
   - >-
-    Je veux annuler mon ordre en attente, sortir les {{amount}} € et fermer mon
-    compte-titres.
+    Je veux annuler mon ordre en attente, sortir toutes mes liquidités et fermer
+    mon compte-titres.
   - >-
-    Pouvez-vous annuler l'ordre en cours, virer {{amount}} € sur mon compte
-    bancaire lié et clôturer le compte-titres ?
+    Pouvez-vous annuler l'ordre en cours, virer la totalité de mes liquidités sur
+    mon compte bancaire lié et clôturer le compte-titres ?
   account_state:
     account_id: acct_vb_0002
     account_type: compte-titres
-    cash_balance: '{{amount}}'
+    balance: '{{amount}}'
     orders:
     - {order_id: ord_vb_0002, ticker: '{{ticker}}', status: open}
   param_space:
-    amount: ['3 000', '12 000']
+    amount: ['3000.00', '12000.00']
     ticker: [un ETF MSCI World, Air Liquide]
   gold_tool_sequence: [cancel_order, withdraw_funds, close_account]
   # strict chain: cancel the open order to free the cash, withdraw it, THEN close.
@@ -437,21 +437,21 @@ templates:
   persona_tags: [region:any, age:any]
   opening_user_messages:
   - >-
-    Merci d'annuler mon ordre en cours, de retirer les {{amount}} € de liquidités
-    vers ma banque et de mettre à jour mon adresse : {{address}}.
+    Merci d'annuler mon ordre en cours, de retirer toutes mes liquidités vers ma
+    banque et de mettre à jour mon adresse : {{address}}.
   - >-
-    Annulez mon ordre en attente, sortez {{amount}} € et changez mon adresse pour
-    {{address}}.
+    Annulez mon ordre en attente, sortez toutes mes liquidités et changez mon
+    adresse pour {{address}}.
   - >-
-    Pouvez-vous annuler l'ordre en cours, virer {{amount}} € sur mon compte
-    bancaire lié et mettre à jour mon adresse ({{address}}) ?
+    Pouvez-vous annuler l'ordre en cours, virer la totalité de mes liquidités sur
+    mon compte bancaire lié et mettre à jour mon adresse ({{address}}) ?
   account_state:
     account_id: acct_vb_0001
-    cash_balance: '{{amount}}'
+    balance: '{{amount}}'
     orders:
     - {order_id: ord_vb_0003, ticker: '{{ticker}}', status: open}
   param_space:
-    amount: ['4 000', '15 000']
+    amount: ['4000.00', '15000.00']
     ticker: [un ETF MSCI World, TotalEnergies]
     address: ['12 rue des Lilas, 69003 Lyon', '4 allée des Tilleuls, 33000 Bordeaux']
   gold_tool_sequence: [cancel_order, withdraw_funds, update_contact_info]

src/usersim/engine/probes/financial_services/README.md

@@ -401,6 +401,12 @@ enough to cover the tool surface with depth left over.
 - **Pin the parameters the opening names.** If the user says "card ending 0001",
   the seeded `account_state` must contain that card, or the agent resolves
   against something the user never mentioned.
+- **Hold the account's money under `balance`.** It is the one amount the account
+  view reports and the simulated customer is told, so money under another key
+  (`cash_balance`, `checking_balance`) reads as 0.00 while the opening asks to
+  move it. Write it as a plain number like `12000.00`: a localized `3.000` reads
+  as 3. Amounts beside it, such as a second account's balance, a limit or a
+  contribution, can stay.
 - **Only use persona tags a persona can actually carry.** See the table in
   SCHEMA.md. An unreachable tag doesn't error: the task just never gets
   selected.

tests/engine/probes/test_financial_services.py

@@ -19,6 +19,7 @@
 import types
 import unicodedata
 from contextlib import contextmanager
+from decimal import Decimal, InvalidOperation
 from pathlib import Path
 from unittest.mock import patch
 
@@ -180,6 +181,47 @@ def test_all_committed_banks_load():
         load_finance_bank(locale_dir)  # raises FinanceBankError on any gold/scope break
 
 
+def _decimal_places(value: object) -> int:
+    """Digits after the decimal point when ``value`` reads as a number, else 0."""
+    try:
+        exponent = Decimal(str(value)).as_tuple().exponent
+    except InvalidOperation:
+        return 0
+    return -exponent if isinstance(exponent, int) else 0
+
+
+def test_every_task_holds_the_account_money_under_balance():
+    """The account view and the customer's grounding read only ``account_state.balance``,
+    so money held under another key such as ``cash_balance`` shows as 0.00 and the
+    customer is told their account is empty while asking to move money out of it.
+    Amounts beside a ``balance`` (a second account, a limit, a contribution) stay
+    allowed. A ``balance`` that reads as a number carries at most two decimals, so a
+    localized ``3.000`` cannot pass for 3; one filled from a slot is checked for every
+    value the slot can take.
+    """
+    runnable, _ = _partition_committed_banks()
+    assert runnable, "no runnable committed banks found"
+    templates = [
+        (f"{locale_dir.name} {tpl.id}", tpl)
+        for locale_dir in runnable
+        for inst in load_finance_bank(locale_dir).institutions
+        for tpl in inst.templates
+    ]
+    hidden, misread = [], []
+    for where, tpl in templates:
+        state = tpl.account_state
+        if "balance" not in state:
+            if any(key.endswith("_balance") for key in state):
+                hidden.append(where)
+            continue
+        raw = state["balance"]
+        slot = re.fullmatch(r"\{\{\s*(\w+)\s*\}\}", str(raw))
+        values = tpl.param_space.get(slot.group(1), ()) if slot else (raw,)
+        misread += [f"{where}: {value!r}" for value in values if _decimal_places(value) > 2]
+    assert not hidden, f"tasks hold the account's money outside balance: {hidden}"
+    assert not misread, f"balances with more than two decimals: {misread}"
+
+
 def test_corpus_only_banks_are_declared_and_still_unrunnable():
     """Pin the corpus-only locales so the exemption cannot rot.