Fix #739: Implement Predictive Liquidity Guard & Autonomous Stress-Te…

[SatyamPandey-07]

Key Features Implemented:
Stress Simulation Engine: Created

services/stressTestEngine.js
which performs thousands of Monte Carlo trials per evaluation. It models revenue volatility, expense surcharges, and currency fluctuations to predict the "Probability of Ruin" for any proposed transaction.
Predictive Liquidity Guard Middleware: Implemented

middleware/liquidityGuard.js
to intercept significant expense requests. It blocks transactions that trigger a "Critical" risk score (>15% probability of bankruptcy), acting as a digital circuit breaker.
Monte Carlo Math Infrastructure: Built

utils/financialMath.js
containing advanced mathematical models, including Box-Muller transforms for normal distribution sampling and Value-at-Risk (VaR) calculations with floating-point precision guards.
Dynamic Budget Adjustment: Refactored

services/budgetService.js
to include a

getStressAdjustedLimits
method. This dynamically scales down available spending limits based on real-time liquidity risk factors.
Autonomous Stability Auditor: Added

jobs/liquidityAnalyzer.js
, a background job that daily audits every active workspace for signs of a "financial death spiral," logging alerts for proactive administrative intervention.
Admin Risk Dashboard: Updated

routes/admin.js
with new endpoints to manage StressScenarios and perform on-demand liquidity audits for any workspace in the system.
Reliability Validation: Developed

tests/liquidity.test.js
to verify the mathematical accuracy of the simulation engine and the Ruin Probability logic.

closes #739

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🎉 Thanks for the PR, @SatyamPandey-07!

We really appreciate you taking the time to contribute to ExpenseFlow! 💙

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Project	Deployment	Actions	Updated (UTC)
expenseflow	Ready	Preview, Comment	Feb 23, 2026 4:39am