sure/app/models/provider_merchant.rb

class ProviderMerchant < Merchant
  enum :source, { plaid: "plaid", simplefin: "simplefin", lunchflow: "lunchflow", synth: "synth", ai: "ai", enable_banking: "enable_banking", coinstats: "coinstats", mercury: "mercury", indexa_capital: "indexa_capital", sophtron: "sophtron" }

  validates :name, uniqueness: { scope: [ :source ] }
  validates :source, presence: true

  # Convert this ProviderMerchant to a FamilyMerchant for a specific family.
  # Only affects transactions belonging to that family.
  # Returns the newly created FamilyMerchant.
  def convert_to_family_merchant_for(family, attributes = {})
    transaction do
      family_merchant = family.merchants.create!(
        name: attributes[:name].presence || name,
        color: attributes[:color].presence || FamilyMerchant::COLORS.sample,
        website_url: attributes[:website_url].presence || website_url
      )

      # Update only this family's transactions to point to new merchant
      family.transactions.where(merchant_id: id).update_all(merchant_id: family_merchant.id)

      family_merchant
    end
  end

  # Generate logo URL from website_url using BrandFetch, if configured.
  def generate_logo_url_from_website!
    if website_url.present? && Setting.brand_fetch_client_id.present?
      domain = extract_domain(website_url)
      size = Setting.brand_fetch_logo_size
      update!(logo_url: "https://cdn.brandfetch.io/#{domain}/icon/fallback/lettermark/w/#{size}/h/#{size}?c=#{Setting.brand_fetch_client_id}")
    elsif website_url.blank?
      update!(logo_url: nil)
    end
  end

  # Unlink from family's transactions (set merchant_id to null).
  # Does NOT delete the ProviderMerchant since it may be used by other families.
  # Tracks the unlink in FamilyMerchantAssociation so it shows as "recently unlinked".
  def unlink_from_family(family)
    family.transactions.where(merchant_id: id).update_all(merchant_id: nil)

    # Track that this merchant was unlinked from this family
    association = FamilyMerchantAssociation.find_or_initialize_by(family: family, merchant: self)
    association.update!(unlinked_at: Time.current)
  end

  private

    def extract_domain(url)
      normalized_url = url.start_with?("http://", "https://") ? url : "https://#{url}"
      URI.parse(normalized_url).host&.sub(/\Awww\./, "")
    rescue URI::InvalidURIError
      url.sub(/\Awww\./, "")
    end
end