docs(sdd): add tbank access refactor change
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# consolidate-tbank-connection-resolution — Implementation Summary
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## Semantic Verification
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Date: 2026-08-25
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Checked areas:
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- HTTP routes and controllers: no diff in `backend/src/tbank/*controller.ts`.
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- Response/request DTOs and Swagger decorators: no diff in `backend/src/tbank/*dto.ts`.
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- OpenAPI/frontend contract: unchanged by code diff because controllers and DTOs did not change.
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- Frontend behavior: unchanged; no frontend files were modified by this change.
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- Supported account types: preserved in shared `tbank-account-policy` and verified by policy/access/accounts tests.
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- Cache semantics: Portfolio `freshForMs`, `fallbackForMs`, `metadataForMs`; Account Ledger `freshForMs` and `maxCachedPages`; Upcoming Events `positionsBatchSize`, `dividendCacheTtlMs`, and `instrumentCacheTtlMs` remain unchanged.
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- Token replacement/account access nuance: Account Ledger still executes `TbankAccessService.withAccount` before LRU page cache lookup, covered by the cached-page access regression test.
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- T-Bank connection settings: candidate token validation, upsert/delete behavior, and Portfolio snapshot invalidation remain covered by focused tests.
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Conclusion:
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The implementation matches the approved Proposal and Design as a behavior-preserving backend refactor. No Delta Specs were required because no capability, route, DTO, status-code contract, frontend behavior, or durable storage behavior changed.
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