/* home_dayone.jsx — the day-one Home. A fresh account: balance is $0 (or just the opening deposit), there's no fabricated history or "Needs you" yet. Value shows up two honest ways: Yoshi's market read (no personal data needed) and a short, real starter that gets Yoshi working. */ const DayQuickAction = ({ icon, label, onClick }) => ( ); const StarterRow = ({ icon, title, sub, done, onClick, last }) => ( ); /* A starter idea, styled like a "Needs you" proposal tile: accent border + soft accent ring, agent label, title, why, a dashed impact footer and a Review CTA. Locked ones drop the glow, redact the payload, and gate. */ const StarterIdea = ({ tag, title, sub, value, locked, gate, onClick }) => (
{/* agent header */}
{locked ? `Locked · ${tag}` : `Yoshi · ${tag}`} {locked && }
{title}
{!locked ? (
{sub}
) : ( /* a redacted insight behind the lock — there's a real number here */
Yoshi found {tag === "Portfolio" ? "three moves" : "a setup"} worth about
+$1,240/yr
)} {!locked ? (
Impact {value}
Review
) : (
{gate}
)}
); const StarterIdeas = ({ onChat, onConnect, onAddMoney, externals = [] }) => { // The funding source is a linked cash account — so the cash idea can be real. const cashAcct = externals .filter((a) => a.type === "Checking" || a.type === "Savings") .sort((a, b) => (b.bal || 0) - (a.bal || 0))[0]; const cashCard = (cashAcct && cashAcct.bal > 1500) ? (() => { const idle = cashAcct.bal; const spend = Math.round((idle * 0.34) / 50) * 50; // ~last 30 days of spending const excess = Math.max(0, idle - spend); const yearly = Math.round(excess * 0.048); return { tag: "Cash", title: `Put your ${cashAcct.inst} cash to work`, sub: `You're holding ${usd(idle, 0)} in ${cashAcct.type.toLowerCase()} — about ${usd(excess, 0)} over your last 30 days of spending. Move the rest to savings at 4.8% APY.`, value: `+${usd(yearly, 0)}/yr`, onClick: onChat }; })() : { tag: "Cash", title: "Earn more on the cash you're not using", sub: "Move idle cash into savings earning today's higher rate.", value: "+4.8% APY", onClick: onChat }; const live = [ { tag: "Investing", title: "Start with a broad-market mix", sub: "Put money into a low-cost index of the whole market — diversified, hands-off.", value: "Diversified", onClick: onChat }, cashCard, { tag: "Debt", title: "Get ahead of high-interest debt", sub: "Set up a plan to pay down a card balance before interest piles on.", value: "Stops ~22% APR", onClick: onChat }, ]; const locked = [ { tag: "Trade ideas", title: "Trade ideas built around your holdings", gate: "Connect & fund", onClick: onConnect }, { tag: "Portfolio", title: "One plan across your whole portfolio", gate: "Connect & fund", onClick: onConnect }, ]; return (
Needs you
{live.map((c, i) => )} {locked.map((c, i) => )}
); }; const HomeDayOne = ({ balance = 0, goal, externals = [], linkedCount, nav, flash, onAddMoney, onConnect, onPickGoal }) => { const onChat = () => flash && flash("Yoshi chat opens in the full app"); const [getStartedDismissed, setGetStartedDismissed] = React.useState(false); const accts = externals.length ? externals : []; const linked = accts.length || (linkedCount || 0); const hasFunding = balance > 0; // "connections" satisfied when more than 1 account is linked, any type // (the funding bank from onboarding counts as 1; another beyond it = done) const hasConnections = linked > 1; // 4 variants: // 1. no funding, no connections → show both to-dos // 2. connections, no funding → show fund only // 3. funding, no connections → show connect only // 4. funding + connections → hide activation engine let showFund = !hasFunding; let showConnect = !hasConnections; // variant 4 — both met → hide everything const showActivation = !(hasFunding && hasConnections); const connectTitle = hasConnections ? `${linked} account${linked === 1 ? "" : "s"} connected` : "Connect accounts"; const connectSub = hasConnections ? "Add more anytime in Accounts" : "So Yoshi can spot ideas everywhere"; const steps = [ showFund && { key: "fund", icon: "plus", title: hasFunding ? `Added ${usd(balance, 0)}` : "Add money", sub: hasFunding ? "Ready to put to work" : "So Yoshi can start growing your money", done: hasFunding, onClick: onAddMoney }, showConnect && { key: "connect", icon: "route", title: connectTitle, sub: connectSub, done: hasConnections, onClick: onConnect }, ].filter(Boolean); return (
{/* header */}
{/* balance */}
Yoshi balance
{balance > 0 && ( <>
{["1D", "1W", "1M", "1Y", "All"].map((r, i) => ( {r} ))}
)}
{/* quick actions */}
flash && flash("Trading opens in the full app")} /> flash && flash("Agents open in the full app")} />
{/* Get started — yellow setup banner below the quick actions; dismissible */} {showActivation && !getStartedDismissed && (
Get started
{steps.map((s, i) => ( ))}
)} {/* not sure where to start? — pre-populated starters + masked, gated ideas */} {/* immediate value — account-focused morning brief */}
Today's read
{/* Stream — connected account activity below the morning read */}
Stream
nav.sheet({ type: "activity", item }) : undefined} />
); }; window.HomeDayOne = HomeDayOne; /* Day-one net-worth series: the account sat at $0, then today's deposit lands and steps it up to the funded balance — an honest first-day shape. */ function fundedSeries(balance) { const n = 40, land = 30; return Array.from({ length: n }, (_, i) => { if (i < land) return 0; const t = (i - land) / (n - 1 - land); // 0→1 across the deposit const eased = 1 - Math.pow(1 - t, 2.4); // quick rise, settles return Math.round(balance * eased); }); }