Add support for PlaidEU in UI also

- This looks like partial support atm

Author: sokie

app/models/provider/plaid_adapter.rb

@@ -1,29 +1,40 @@
+# PlaidAdapter serves dual purposes:
+#
+# 1. Configuration Manager (class-level):
+#    - Manages Rails.application.config.plaid (US region)
+#    - Exposes 3 configurable fields in "Plaid" section of settings UI
+#    - PlaidEuAdapter separately manages EU region in "Plaid Eu" section
+#
+# 2. Instance Adapter (instance-level):
+#    - Wraps ALL PlaidAccount instances regardless of region (US or EU)
+#    - The PlaidAccount's plaid_item.plaid_region determines which config to use
+#    - Delegates to Provider::Registry.plaid_provider_for_region(region)
 class Provider::PlaidAdapter < Provider::Base
   include Provider::Syncable
   include Provider::InstitutionMetadata
   include Provider::Configurable
 
-  # Register this adapter with the factory
+  # Register this adapter with the factory for ALL PlaidAccount instances
   Provider::Factory.register("PlaidAccount", self)
 
   # Configuration for Plaid US
   configure do
     description <<~DESC
       Setup instructions:
       1. Visit the [Plaid Dashboard](https://dashboard.plaid.com/team/keys) to get your API credentials
-      2. Your Client ID and Secret Key are required to enable Plaid bank sync
+      2. Your Client ID and Secret Key are required to enable Plaid bank sync for US/CA banks
       3. For production use, set environment to 'production', for testing use 'sandbox'
     DESC
 
     field :client_id,
           label: "Client ID",
-          required: true,
+          required: false,
           env_key: "PLAID_CLIENT_ID",
           description: "Your Plaid Client ID from the Plaid Dashboard"
 
     field :secret,
           label: "Secret Key",
-          required: true,
+          required: false,
           secret: true,
           env_key: "PLAID_SECRET",
           description: "Your Plaid Secret from the Plaid Dashboard"
@@ -40,7 +51,7 @@ def provider_name
     "plaid"
   end
 
-  # Reload Plaid configuration when settings are updated
+  # Reload Plaid US configuration when settings are updated
   def self.reload_configuration
     client_id = config_value(:client_id).presence || ENV["PLAID_CLIENT_ID"]
     secret = config_value(:secret).presence || ENV["PLAID_SECRET"]

app/models/provider/plaid_eu_adapter.rb

@@ -0,0 +1,61 @@
+# PlaidEuAdapter is a configuration-only manager for Plaid EU credentials.
+#
+# It does NOT register as a provider type because:
+# - There's no separate "PlaidEuAccount" model
+# - All PlaidAccounts (regardless of region) use PlaidAdapter as their instance adapter
+#
+# This class only manages Rails.application.config.plaid_eu, which
+# Provider::Registry.plaid_provider_for_region(:eu) uses to create Provider::Plaid instances.
+#
+# This separation into a distinct adapter class provides:
+# - Clear UI separation: "Plaid" vs "Plaid Eu" sections in settings
+# - Better UX: Users only configure the region they need
+class Provider::PlaidEuAdapter
+  include Provider::Configurable
+
+  # Configuration for Plaid EU
+  configure do
+    description <<~DESC
+      Setup instructions:
+      1. Visit the [Plaid Dashboard](https://dashboard.plaid.com/team/keys) to get your API credentials
+      2. Your Client ID and Secret Key are required to enable Plaid bank sync for European banks
+      3. For production use, set environment to 'production', for testing use 'sandbox'
+    DESC
+
+    field :client_id,
+          label: "Client ID",
+          required: false,
+          env_key: "PLAID_EU_CLIENT_ID",
+          description: "Your Plaid Client ID from the Plaid Dashboard for EU region"
+
+    field :secret,
+          label: "Secret Key",
+          required: false,
+          secret: true,
+          env_key: "PLAID_EU_SECRET",
+          description: "Your Plaid Secret from the Plaid Dashboard for EU region"
+
+    field :environment,
+          label: "Environment",
+          required: false,
+          env_key: "PLAID_EU_ENV",
+          default: "sandbox",
+          description: "Plaid environment: sandbox, development, or production"
+  end
+
+  # Reload Plaid EU configuration when settings are updated
+  def self.reload_configuration
+    client_id = config_value(:client_id).presence || ENV["PLAID_EU_CLIENT_ID"]
+    secret = config_value(:secret).presence || ENV["PLAID_EU_SECRET"]
+    environment = config_value(:environment).presence || ENV["PLAID_EU_ENV"] || "sandbox"
+
+    if client_id.present? && secret.present?
+      Rails.application.config.plaid_eu = Plaid::Configuration.new
+      Rails.application.config.plaid_eu.server_index = Plaid::Configuration::Environment[environment]
+      Rails.application.config.plaid_eu.api_key["PLAID-CLIENT-ID"] = client_id
+      Rails.application.config.plaid_eu.api_key["PLAID-SECRET"] = secret
+    else
+      Rails.application.config.plaid_eu = nil
+    end
+  end
+end

config/initializers/plaid.rb

@@ -1,18 +1,15 @@
 Rails.application.configure do
+  # Initialize Plaid configuration to nil
   config.plaid = nil
   config.plaid_eu = nil
+end
 
-  if ENV["PLAID_CLIENT_ID"].present? && ENV["PLAID_SECRET"].present?
-    config.plaid = Plaid::Configuration.new
-    config.plaid.server_index = Plaid::Configuration::Environment[ENV["PLAID_ENV"] || "sandbox"]
-    config.plaid.api_key["PLAID-CLIENT-ID"] = ENV["PLAID_CLIENT_ID"]
-    config.plaid.api_key["PLAID-SECRET"] = ENV["PLAID_SECRET"]
-  end
+# Load Plaid configuration from adapters after initialization
+Rails.application.config.after_initialize do
+  # Ensure provider adapters are loaded
+  Provider::Factory.ensure_adapters_loaded
 
-  if ENV["PLAID_EU_CLIENT_ID"].present? && ENV["PLAID_EU_SECRET"].present?
-    config.plaid_eu = Plaid::Configuration.new
-    config.plaid_eu.server_index = Plaid::Configuration::Environment[ENV["PLAID_ENV"] || "sandbox"]
-    config.plaid_eu.api_key["PLAID-CLIENT-ID"] = ENV["PLAID_EU_CLIENT_ID"]
-    config.plaid_eu.api_key["PLAID-SECRET"] = ENV["PLAID_EU_SECRET"]
-  end
+  # Reload configurations from settings/ENV
+  Provider::PlaidAdapter.reload_configuration      # US region
+  Provider::PlaidEuAdapter.reload_configuration    # EU region
 end