feat: endurece mutações financeiras e permite zerar conta

src/app/(dashboard)/cards/[cardId]/invoice/page.tsx

@@ -105,7 +105,7 @@ export default async function Page({ params, searchParams }: PageProps) {
 	const cardDialogAccounts = filterSources.accountRows.map(
 		(financialAccount: FinancialAccount) => ({
 			id: financialAccount.id,
-			name: financialAccount.name ?? "FinancialAccount",
+			name: financialAccount.name ?? "Conta",
 			logo: financialAccount.logo ?? null,
 		}),
 	);
@@ -114,7 +114,7 @@ export default async function Page({ params, searchParams }: PageProps) {
 		filterSources.accountRows.find(
 			(financialAccount: FinancialAccount) =>
 				financialAccount.id === card.accountId,
-		)?.name ?? "FinancialAccount";
+		)?.name ?? "Conta";
 
 	const cardDialogData: Card = {
 		id: card.id,

src/app/(dashboard)/settings/page.tsx

@@ -155,11 +155,11 @@ export default async function Page() {
 						<div className="space-y-4">
 							<div>
 								<h2 className="text-lg font-bold mb-1 text-destructive">
-									Deletar conta
+									Ações perigosas
 								</h2>
 								<p className="text-sm text-muted-foreground mb-4">
-									Ao prosseguir, sua conta e todos os dados associados serão
-									excluídos de forma irreversível.
+									Você pode zerar os dados do OpenMonetis e manter seu acesso,
+									ou excluir sua conta inteira de forma irreversível.
 								</p>
 							</div>
 							<DeleteAccountForm />

src/db/schema.ts

@@ -352,6 +352,9 @@ export const invoices = pgTable(
 			table.cardId,
 			table.period,
 		),
+		userIdCardIdPeriodUnique: uniqueIndex(
+			"faturas_user_id_cartao_id_periodo_key",
+		).on(table.userId, table.cardId, table.period),
 	}),
 );
 
@@ -380,6 +383,9 @@ export const budgets = pgTable(
 			table.userId,
 			table.period,
 		),
+		userIdCategoryIdPeriodUnique: uniqueIndex(
+			"orcamentos_user_id_categoria_id_periodo_key",
+		).on(table.userId, table.categoryId, table.period),
 	}),
 );
 
@@ -635,11 +641,9 @@ export const transactions = pgTable(
 			table.period,
 		),
 		// Índice composto para o filtro quente do dashboard: userId + payerId + period
-		userIdPayerIdPeriodIdx: index("lancamentos_user_id_pagador_id_period_idx").on(
-			table.userId,
-			table.payerId,
-			table.period,
-		),
+		userIdPayerIdPeriodIdx: index(
+			"lancamentos_user_id_pagador_id_period_idx",
+		).on(table.userId, table.payerId, table.period),
 		// Índice para queries ordenadas por data de compra
 		userIdPurchaseDateIdx: index("lancamentos_user_id_purchase_date_idx").on(
 			table.userId,

src/features/accounts/actions.ts

@@ -2,12 +2,7 @@
 
 import { and, eq } from "drizzle-orm";
 import { z } from "zod";
-import {
-	categories,
-	financialAccounts,
-	payers,
-	transactions,
-} from "@/db/schema";
+import { categories, financialAccounts, transactions } from "@/db/schema";
 import {
 	INITIAL_BALANCE_CATEGORY_NAME,
 	INITIAL_BALANCE_CONDITION,
@@ -22,7 +17,7 @@ import {
 } from "@/shared/lib/actions/helpers";
 import { getUser } from "@/shared/lib/auth/server";
 import { db } from "@/shared/lib/db";
-import { PAYER_ROLE_ADMIN } from "@/shared/lib/payers/constants";
+import { getAdminPayerId } from "@/shared/lib/payers/get-admin-id";
 import { noteSchema, uuidSchema } from "@/shared/lib/schemas/common";
 import {
 	TRANSFER_CATEGORY_NAME,
@@ -54,14 +49,20 @@ const accountBaseSchema = z.object({
 		.trim()
 		.min(1, "Selecione um logo."),
 	initialBalance: z
-		.string()
-		.trim()
-		.transform((value) => (value.length === 0 ? "0" : value.replace(",", ".")))
-		.refine(
-			(value) => !Number.isNaN(Number.parseFloat(value)),
-			"Informe um saldo inicial válido.",
-		)
-		.transform((value) => Number.parseFloat(value)),
+		.union([
+			z.number(),
+			z
+				.string()
+				.trim()
+				.transform((value) =>
+					value.length === 0 ? "0" : value.replace(",", "."),
+				)
+				.refine(
+					(value) => !Number.isNaN(Number.parseFloat(value)),
+					"Informe um saldo inicial válido.",
+				)
+				.transform((value) => Number.parseFloat(value)),
+		]),
 	excludeFromBalance: z
 		.union([z.boolean(), z.string()])
 		.transform((value) => value === true || value === "true"),
@@ -93,6 +94,15 @@ export async function createAccountAction(
 
 		const normalizedInitialBalance = Math.abs(data.initialBalance);
 		const hasInitialBalance = normalizedInitialBalance > 0;
+		const adminPayerId = hasInitialBalance
+			? await getAdminPayerId(user.id)
+			: null;
+
+		if (hasInitialBalance && !adminPayerId) {
+			throw new Error(
+				"Payer com papel administrador não encontrado. Crie um pagador admin antes de definir um saldo inicial.",
+			);
+		}
 
 		await db.transaction(async (tx: typeof db) => {
 			const [createdAccount] = await tx
@@ -118,7 +128,7 @@ export async function createAccountAction(
 				return;
 			}
 
-			const [category, adminPagador] = await Promise.all([
+			const [category] = await Promise.all([
 				tx.query.categories.findFirst({
 					columns: { id: true },
 					where: and(
@@ -126,13 +136,6 @@ export async function createAccountAction(
 						eq(categories.name, INITIAL_BALANCE_CATEGORY_NAME),
 					),
 				}),
-				tx.query.payers.findFirst({
-					columns: { id: true },
-					where: and(
-						eq(payers.userId, user.id),
-						eq(payers.role, PAYER_ROLE_ADMIN),
-					),
-				}),
 			]);
 
 			if (!category) {
@@ -141,12 +144,6 @@ export async function createAccountAction(
 				);
 			}
 
-			if (!adminPagador) {
-				throw new Error(
-					"Payer com papel administrador não encontrado. Crie um pagador admin antes de definir um saldo inicial.",
-				);
-			}
-
 			const { date, period } = getTodayInfo();
 
 			await tx.insert(transactions).values({
@@ -162,15 +159,15 @@ export async function createAccountAction(
 				userId: user.id,
 				accountId: createdAccount.id,
 				categoryId: category.id,
-				payerId: adminPagador.id,
+				payerId: adminPayerId,
 			});
 		});
 
-		revalidateForEntity("accounts");
+		revalidateForEntity("accounts", user.id);
 
 		return {
 			success: true,
-			message: "FinancialAccount criada com sucesso.",
+			message: "Conta criada com sucesso.",
 		};
 	} catch (error) {
 		return handleActionError(error);
@@ -209,15 +206,15 @@ export async function updateAccountAction(
 		if (!updated) {
 			return {
 				success: false,
-				error: "FinancialAccount não encontrada.",
+				error: "Conta não encontrada.",
 			};
 		}
 
-		revalidateForEntity("accounts");
+		revalidateForEntity("accounts", user.id);
 
 		return {
 			success: true,
-			message: "FinancialAccount atualizada com sucesso.",
+			message: "Conta atualizada com sucesso.",
 		};
 	} catch (error) {
 		return handleActionError(error);
@@ -244,15 +241,15 @@ export async function deleteAccountAction(
 		if (!deleted) {
 			return {
 				success: false,
-				error: "FinancialAccount não encontrada.",
+				error: "Conta não encontrada.",
 			};
 		}
 
-		revalidateForEntity("accounts");
+		revalidateForEntity("accounts", user.id);
 
 		return {
 			success: true,
-			message: "FinancialAccount removida com sucesso.",
+			message: "Conta removida com sucesso.",
 		};
 	} catch (error) {
 		return handleActionError(error);
@@ -261,8 +258,8 @@ export async function deleteAccountAction(
 
 // Transfer between accounts
 const transferSchema = z.object({
-	fromAccountId: uuidSchema("FinancialAccount de origem"),
-	toAccountId: uuidSchema("FinancialAccount de destino"),
+	fromAccountId: uuidSchema("Conta de origem"),
+	toAccountId: uuidSchema("Conta de destino"),
 	amount: z
 		.string()
 		.trim()
@@ -299,6 +296,13 @@ export async function transferBetweenAccountsAction(
 
 		// Generate a unique transfer ID to link both transactions
 		const transferId = crypto.randomUUID();
+		const adminPayerId = await getAdminPayerId(user.id);
+
+		if (!adminPayerId) {
+			throw new Error(
+				"Payer administrador não encontrado. Por favor, crie um pagador admin.",
+			);
+		}
 
 		await db.transaction(async (tx: typeof db) => {
 			// Verify both accounts exist and belong to the user
@@ -320,21 +324,23 @@ export async function transferBetweenAccountsAction(
 			]);
 
 			if (!fromAccount) {
-				throw new Error("FinancialAccount de origem não encontrada.");
+				throw new Error("Conta de origem não encontrada.");
 			}
 
 			if (!toAccount) {
-				throw new Error("FinancialAccount de destino não encontrada.");
+				throw new Error("Conta de destino não encontrada.");
 			}
 
-			// Get the transfer category
-			const transferCategory = await tx.query.categories.findFirst({
-				columns: { id: true },
-				where: and(
-					eq(categories.userId, user.id),
-					eq(categories.name, TRANSFER_CATEGORY_NAME),
-				),
-			});
+			// Get the transfer category and admin payer in parallel
+			const [transferCategory] = await Promise.all([
+				tx.query.categories.findFirst({
+					columns: { id: true },
+					where: and(
+						eq(categories.userId, user.id),
+						eq(categories.name, TRANSFER_CATEGORY_NAME),
+					),
+				}),
+			]);
 
 			if (!transferCategory) {
 				throw new Error(
@@ -342,62 +348,41 @@ export async function transferBetweenAccountsAction(
 				);
 			}
 
-			// Get the admin payer
-			const adminPagador = await tx.query.payers.findFirst({
-				columns: { id: true },
-				where: and(
-					eq(payers.userId, user.id),
-					eq(payers.role, PAYER_ROLE_ADMIN),
-				),
-			});
-
-			if (!adminPagador) {
-				throw new Error(
-					"Payer administrador não encontrado. Por favor, crie um pagador admin.",
-				);
-			}
-
 			const transferNote = `de ${fromAccount.name} -> ${toAccount.name}`;
 
-			// Create outgoing transaction (transfer from source account)
-			await tx.insert(transactions).values({
+			const sharedFields = {
 				condition: TRANSFER_CONDITION,
-				name: TRANSFER_ESTABLISHMENT_SAIDA,
 				paymentMethod: TRANSFER_PAYMENT_METHOD,
 				note: transferNote,
-				amount: formatDecimalForDbRequired(-Math.abs(data.amount)),
 				purchaseDate: data.date,
-				transactionType: "Transferência",
+				transactionType: "Transferência" as const,
 				period: data.period,
 				isSettled: true,
 				userId: user.id,
-				accountId: fromAccount.id,
 				categoryId: transferCategory.id,
-				payerId: adminPagador.id,
+				payerId: adminPayerId,
 				transferId,
-			});
+			};
 
-			// Create incoming transaction (transfer to destination account)
-			await tx.insert(transactions).values({
-				condition: TRANSFER_CONDITION,
-				name: TRANSFER_ESTABLISHMENT_ENTRADA,
-				paymentMethod: TRANSFER_PAYMENT_METHOD,
-				note: transferNote,
-				amount: formatDecimalForDbRequired(Math.abs(data.amount)),
-				purchaseDate: data.date,
-				transactionType: "Transferência",
-				period: data.period,
-				isSettled: true,
-				userId: user.id,
-				accountId: toAccount.id,
-				categoryId: transferCategory.id,
-				payerId: adminPagador.id,
-				transferId,
-			});
+			// Create both transactions in a single batch insert
+			await tx.insert(transactions).values([
+				{
+					...sharedFields,
+					name: TRANSFER_ESTABLISHMENT_SAIDA,
+					amount: formatDecimalForDbRequired(-Math.abs(data.amount)),
+					accountId: fromAccount.id,
+				},
+				{
+					...sharedFields,
+					name: TRANSFER_ESTABLISHMENT_ENTRADA,
+					amount: formatDecimalForDbRequired(Math.abs(data.amount)),
+					accountId: toAccount.id,
+				},
+			]);
 		});
 
-		revalidateForEntity("accounts");
-		revalidateForEntity("transactions");
+		revalidateForEntity("accounts", user.id);
+		revalidateForEntity("transactions", user.id);
 
 		return {
 			success: true,

src/features/accounts/components/account-dialog.tsx

@@ -33,10 +33,10 @@ import { AccountFormFields } from "./account-form-fields";
 import type { Account, AccountFormValues } from "./types";
 
 const DEFAULT_ACCOUNT_TYPES = [
-	"FinancialAccount Corrente",
-	"FinancialAccount Poupança",
+	"Conta Corrente",
+	"Conta Poupança",
 	"Carteira Digital",
-	"FinancialAccount Investimento",
+	"Conta Investimento",
 	"Pré-Pago | VR/VA",
 ] as const;
 
@@ -167,7 +167,7 @@ export function AccountDialog({
 		const accountId = account?.id;
 
 		if (mode === "update" && !accountId) {
-			const message = "FinancialAccount inválida.";
+			const message = "Conta inválida.";
 			setErrorMessage(message);
 			toast.error(message);
 			return;

src/features/accounts/components/account-form-fields.tsx

@@ -20,7 +20,10 @@ interface AccountFormFieldsProps {
 	values: AccountFormValues;
 	accountTypes: string[];
 	accountStatuses: string[];
-	onChange: (field: keyof AccountFormValues, value: string) => void;
+	onChange: <K extends keyof AccountFormValues>(
+		field: K,
+		value: AccountFormValues[K],
+	) => void;
 	showInitialBalance?: boolean;
 }
 
@@ -112,7 +115,7 @@ export function AccountFormFields({
 						id="exclude-from-balance"
 						checked={Boolean(values.excludeFromBalance)}
 						onCheckedChange={(checked) =>
-							onChange("excludeFromBalance", checked ? "true" : "false")
+							onChange("excludeFromBalance", checked === true)
 						}
 					/>
 					<Label
@@ -129,10 +132,7 @@ export function AccountFormFields({
 						id="exclude-initial-balance-from-income"
 						checked={Boolean(values.excludeInitialBalanceFromIncome)}
 						onCheckedChange={(checked) =>
-							onChange(
-								"excludeInitialBalanceFromIncome",
-								checked ? "true" : "false",
-							)
+							onChange("excludeInitialBalanceFromIncome", checked === true)
 						}
 					/>
 					<Label

src/features/accounts/components/transfer-dialog.tsx

@@ -157,7 +157,7 @@ export function TransferDialog({
 						</div>
 
 						<div className="flex flex-col gap-2 sm:col-span-2">
-							<Label htmlFor="from-account">FinancialAccount de origem</Label>
+							<Label htmlFor="from-account">Conta de origem</Label>
 							<Select value={fromAccountId} disabled>
 								<SelectTrigger id="from-account" className="w-full">
 									<SelectValue>
@@ -185,7 +185,7 @@ export function TransferDialog({
 						</div>
 
 						<div className="flex flex-col gap-2 sm:col-span-2">
-							<Label htmlFor="to-account">FinancialAccount de destino</Label>
+							<Label htmlFor="to-account">Conta de destino</Label>
 							{availableAccounts.length === 0 ? (
 								<div className="rounded-md border border-border bg-muted p-3 text-sm text-muted-foreground">
 									É necessário ter mais de uma conta cadastrada para realizar

src/features/auth/components/signup-form.tsx

@@ -112,7 +112,7 @@ export function SignupForm({ className, ...props }: DivProps) {
 				},
 				onSuccess: () => {
 					setLoadingEmail(false);
-					toast.success("FinancialAccount criada com sucesso!");
+					toast.success("Conta criada com sucesso!");
 					router.replace("/dashboard");
 				},
 				onError: (ctx) => {

src/features/budgets/actions.ts

@@ -1,6 +1,6 @@
 "use server";
 
-import { and, eq, ne } from "drizzle-orm";
+import { and, eq } from "drizzle-orm";
 import { z } from "zod";
 import { budgets, categories } from "@/db/schema";
 import {
@@ -52,6 +52,28 @@ type BudgetCopyRow = {
 	amount: unknown;
 };
 
+const BUDGET_DUPLICATE_ERROR =
+	"Já existe um orçamento para esta categoria no período selecionado.";
+const BUDGET_UNIQUE_CONSTRAINT = "orcamentos_user_id_categoria_id_periodo_key";
+
+const hasUniqueConstraintError = (error: unknown, constraint: string) => {
+	if (!error || typeof error !== "object") {
+		return false;
+	}
+
+	const candidate = error as {
+		code?: string;
+		constraint?: string;
+		cause?: { code?: string; constraint?: string };
+	};
+
+	return (
+		(candidate.code === "23505" && candidate.constraint === constraint) ||
+		(candidate.cause?.code === "23505" &&
+			candidate.cause.constraint === constraint)
+	);
+};
+
 const ensureCategory = async (userId: string, categoryId: string) => {
 	const category = await db.query.categories.findFirst({
 		columns: {
@@ -79,36 +101,37 @@ export async function createBudgetAction(
 
 		await ensureCategory(user.id, data.categoryId);
 
-		const duplicateConditions = [
-			eq(budgets.userId, user.id),
-			eq(budgets.period, data.period),
-			eq(budgets.categoryId, data.categoryId),
-		] as const;
+		const [createdBudget] = await db
+			.insert(budgets)
+			.values({
+				amount: formatDecimalForDbRequired(data.amount),
+				period: data.period,
+				userId: user.id,
+				categoryId: data.categoryId,
+			})
+			.onConflictDoNothing({
+				target: [budgets.userId, budgets.categoryId, budgets.period],
+			})
+			.returning({ id: budgets.id });
 
-		const duplicate = await db.query.budgets.findFirst({
-			columns: { id: true },
-			where: and(...duplicateConditions),
-		});
-
-		if (duplicate) {
+		if (!createdBudget) {
 			return {
 				success: false,
-				error:
-					"Já existe um orçamento para esta categoria no período selecionado.",
+				error: BUDGET_DUPLICATE_ERROR,
 			};
 		}
 
-		await db.insert(budgets).values({
-			amount: formatDecimalForDbRequired(data.amount),
-			period: data.period,
-			userId: user.id,
-			categoryId: data.categoryId,
-		});
-
-		revalidateForEntity("budgets");
+		revalidateForEntity("budgets", user.id);
 
 		return { success: true, message: "Orçamento criado com sucesso." };
 	} catch (error) {
+		if (hasUniqueConstraintError(error, BUDGET_UNIQUE_CONSTRAINT)) {
+			return {
+				success: false,
+				error: BUDGET_DUPLICATE_ERROR,
+			};
+		}
+
 		return handleActionError(error);
 	}
 }
@@ -122,26 +145,6 @@ export async function updateBudgetAction(
 
 		await ensureCategory(user.id, data.categoryId);
 
-		const duplicateConditions = [
-			eq(budgets.userId, user.id),
-			eq(budgets.period, data.period),
-			eq(budgets.categoryId, data.categoryId),
-			ne(budgets.id, data.id),
-		] as const;
-
-		const duplicate = await db.query.budgets.findFirst({
-			columns: { id: true },
-			where: and(...duplicateConditions),
-		});
-
-		if (duplicate) {
-			return {
-				success: false,
-				error:
-					"Já existe um orçamento para esta categoria no período selecionado.",
-			};
-		}
-
 		const [updated] = await db
 			.update(budgets)
 			.set({
@@ -159,10 +162,17 @@ export async function updateBudgetAction(
 			};
 		}
 
-		revalidateForEntity("budgets");
+		revalidateForEntity("budgets", user.id);
 
 		return { success: true, message: "Orçamento atualizado com sucesso." };
 	} catch (error) {
+		if (hasUniqueConstraintError(error, BUDGET_UNIQUE_CONSTRAINT)) {
+			return {
+				success: false,
+				error: BUDGET_DUPLICATE_ERROR,
+			};
+		}
+
 		return handleActionError(error);
 	}
 }
@@ -186,7 +196,7 @@ export async function deleteBudgetAction(
 			};
 		}
 
-		revalidateForEntity("budgets");
+		revalidateForEntity("budgets", user.id);
 
 		return { success: true, message: "Orçamento removido com sucesso." };
 	} catch (error) {
@@ -247,21 +257,35 @@ export async function duplicatePreviousMonthBudgetsAction(
 			};
 		}
 
-		// Inserir novos orçamentos
-		await db.insert(budgets).values(
-			budgetsToCopy.map((b) => ({
-				amount: b.amount as string,
-				period: data.period,
-				userId: user.id,
-				categoryId: b.categoryId as string,
-			})),
-		);
+		// Inserir novos orçamentos sem falhar se houver corrida com outro request.
+		const insertedBudgets = await db
+			.insert(budgets)
+			.values(
+				budgetsToCopy.map((b) => ({
+					amount: b.amount as string,
+					period: data.period,
+					userId: user.id,
+					categoryId: b.categoryId as string,
+				})),
+			)
+			.onConflictDoNothing({
+				target: [budgets.userId, budgets.categoryId, budgets.period],
+			})
+			.returning({ id: budgets.id });
 
-		revalidateForEntity("budgets");
+		if (insertedBudgets.length === 0) {
+			return {
+				success: false,
+				error:
+					"Todas as categories do mês anterior já possuem orçamento neste mês.",
+			};
+		}
+
+		revalidateForEntity("budgets", user.id);
 
 		return {
 			success: true,
-			message: `${budgetsToCopy.length} orçamento${budgetsToCopy.length > 1 ? "s" : ""} duplicado${budgetsToCopy.length > 1 ? "s" : ""} com sucesso.`,
+			message: `${insertedBudgets.length} orçamento${insertedBudgets.length > 1 ? "s" : ""} duplicado${insertedBudgets.length > 1 ? "s" : ""} com sucesso.`,
 		};
 	} catch (error) {
 		return handleActionError(error);

src/features/cards/actions.ts

@@ -65,7 +65,7 @@ async function assertAccountOwnership(userId: string, accountId: string) {
 	});
 
 	if (!account) {
-		throw new Error("FinancialAccount vinculada não encontrada.");
+		throw new Error("Conta vinculada não encontrada.");
 	}
 }
 
@@ -93,7 +93,7 @@ export async function createCardAction(
 			userId: user.id,
 		});
 
-		revalidateForEntity("cards");
+		revalidateForEntity("cards", user.id);
 
 		return { success: true, message: "Cartão criado com sucesso." };
 	} catch (error) {
@@ -135,7 +135,7 @@ export async function updateCardAction(
 			};
 		}
 
-		revalidateForEntity("cards");
+		revalidateForEntity("cards", user.id);
 
 		return { success: true, message: "Cartão atualizado com sucesso." };
 	} catch (error) {
@@ -162,7 +162,7 @@ export async function deleteCardAction(
 			};
 		}
 
-		revalidateForEntity("cards");
+		revalidateForEntity("cards", user.id);
 
 		return { success: true, message: "Cartão removido com sucesso." };
 	} catch (error) {

src/features/categories/actions.ts

@@ -56,7 +56,7 @@ export async function createCategoryAction(
 			userId: user.id,
 		});
 
-		revalidateForEntity("categories");
+		revalidateForEntity("categories", user.id);
 
 		return { success: true, message: "Category criada com sucesso." };
 	} catch (error) {
@@ -114,7 +114,7 @@ export async function updateCategoryAction(
 			};
 		}
 
-		revalidateForEntity("categories");
+		revalidateForEntity("categories", user.id);
 
 		return { success: true, message: "Category atualizada com sucesso." };
 	} catch (error) {
@@ -167,7 +167,7 @@ export async function deleteCategoryAction(
 			};
 		}
 
-		revalidateForEntity("categories");
+		revalidateForEntity("categories", user.id);
 
 		return { success: true, message: "Category removida com sucesso." };
 	} catch (error) {

src/features/invoices/actions.ts

@@ -2,7 +2,7 @@
 
 import { and, eq, sql } from "drizzle-orm";
 import { z } from "zod";
-import { cards, categories, invoices, payers, transactions } from "@/db/schema";
+import { cards, categories, invoices, transactions } from "@/db/schema";
 import { buildInvoicePaymentNote } from "@/shared/lib/accounts/constants";
 import { revalidateForEntity } from "@/shared/lib/actions/helpers";
 import { getUser } from "@/shared/lib/auth/server";
@@ -13,7 +13,7 @@ import {
 	type InvoicePaymentStatus,
 	PERIOD_FORMAT_REGEX,
 } from "@/shared/lib/invoices";
-import { PAYER_ROLE_ADMIN } from "@/shared/lib/payers/constants";
+import { getAdminPayerId } from "@/shared/lib/payers/get-admin-id";
 import {
 	getBusinessTodayDate,
 	parseLocalDateString,
@@ -60,6 +60,7 @@ export async function updateInvoicePaymentStatusAction(
 	try {
 		const user = await getUser();
 		const data = updateInvoicePaymentStatusSchema.parse(input);
+		const adminPayerId = await getAdminPayerId(user.id);
 
 		await db.transaction(async (tx: typeof db) => {
 			const card = await tx.query.cards.findFirst({
@@ -71,32 +72,20 @@ export async function updateInvoicePaymentStatusAction(
 				throw new Error("Cartão não encontrado.");
 			}
 
-			const existingInvoice = await tx.query.invoices.findFirst({
-				columns: {
-					id: true,
-				},
-				where: and(
-					eq(invoices.cardId, data.cardId),
-					eq(invoices.userId, user.id),
-					eq(invoices.period, data.period),
-				),
-			});
-
-			if (existingInvoice) {
-				await tx
-					.update(invoices)
-					.set({
-						paymentStatus: data.status,
-					})
-					.where(eq(invoices.id, existingInvoice.id));
-			} else {
-				await tx.insert(invoices).values({
+			await tx
+				.insert(invoices)
+				.values({
 					cardId: data.cardId,
 					period: data.period,
 					paymentStatus: data.status,
 					userId: user.id,
+				})
+				.onConflictDoUpdate({
+					target: [invoices.userId, invoices.cardId, invoices.period],
+					set: {
+						paymentStatus: data.status,
+					},
 				});
-			}
 
 			const shouldMarkAsPaid = data.status === INVOICE_PAYMENT_STATUS.PAID;
 
@@ -114,38 +103,26 @@ export async function updateInvoicePaymentStatusAction(
 			const invoiceNote = buildInvoicePaymentNote(card.id, data.period);
 
 			if (shouldMarkAsPaid) {
-				const [adminShareRow] = await tx
-					.select({
-						total: sql<number>`
-              coalesce(
-                sum(${transactions.amount}),
-                0
-              )
-            `,
-					})
-					.from(transactions)
-					.leftJoin(payers, eq(transactions.payerId, payers.id))
-					.where(
-						and(
-							eq(transactions.userId, user.id),
-							eq(transactions.cardId, card.id),
-							eq(transactions.period, data.period),
-							eq(payers.role, PAYER_ROLE_ADMIN),
-						),
-					);
+				const [adminShareRow] = adminPayerId
+					? await tx
+							.select({
+								total: sql<number>`coalesce(sum(${transactions.amount}), 0)`,
+							})
+							.from(transactions)
+							.where(
+								and(
+									eq(transactions.userId, user.id),
+									eq(transactions.cardId, card.id),
+									eq(transactions.period, data.period),
+									eq(transactions.payerId, adminPayerId),
+								),
+							)
+					: [{ total: 0 }];
 
 				const adminShare = Number(adminShareRow?.total ?? 0);
 				const adminPayableAmount = Math.abs(Math.min(adminShare, 0));
 
-				if (adminPayableAmount > 0 && card.accountId) {
-					const adminPagador = await tx.query.payers.findFirst({
-						columns: { id: true },
-						where: and(
-							eq(payers.userId, user.id),
-							eq(payers.role, PAYER_ROLE_ADMIN),
-						),
-					});
-
+				if (card.accountId && adminPayerId) {
 					const paymentCategory = await tx.query.categories.findFirst({
 						columns: { id: true },
 						where: and(
@@ -154,45 +131,43 @@ export async function updateInvoicePaymentStatusAction(
 						),
 					});
 
-					if (adminPagador) {
-						// Usar a data customizada ou a data atual como data de pagamento
-						const invoiceDate = data.paymentDate
-							? parseLocalDateString(data.paymentDate)
-							: getBusinessTodayDate();
+					// Usar a data customizada ou a data atual como data de pagamento
+					const invoiceDate = data.paymentDate
+						? parseLocalDateString(data.paymentDate)
+						: getBusinessTodayDate();
 
-						const amount = `-${formatDecimal(adminPayableAmount)}`;
-						const payload = {
-							condition: "À vista",
-							name: `Pagamento fatura - ${card.name}`,
-							paymentMethod: "Pix",
-							note: invoiceNote,
-							amount,
-							purchaseDate: invoiceDate,
-							transactionType: "Despesa" as const,
-							period: data.period,
-							isSettled: true,
-							userId: user.id,
-							accountId: card.accountId,
-							categoryId: paymentCategory?.id ?? null,
-							payerId: adminPagador.id,
-						};
+					const amount = `-${formatDecimal(adminPayableAmount)}`;
+					const payload = {
+						condition: "À vista",
+						name: `Pagamento fatura - ${card.name}`,
+						paymentMethod: "Pix",
+						note: invoiceNote,
+						amount,
+						purchaseDate: invoiceDate,
+						transactionType: "Despesa" as const,
+						period: data.period,
+						isSettled: true,
+						userId: user.id,
+						accountId: card.accountId,
+						categoryId: paymentCategory?.id ?? null,
+						payerId: adminPayerId,
+					};
 
-						const existingPayment = await tx.query.transactions.findFirst({
-							columns: { id: true },
-							where: and(
-								eq(transactions.userId, user.id),
-								eq(transactions.note, invoiceNote),
-							),
-						});
+					const existingPayment = await tx.query.transactions.findFirst({
+						columns: { id: true },
+						where: and(
+							eq(transactions.userId, user.id),
+							eq(transactions.note, invoiceNote),
+						),
+					});
 
-						if (existingPayment) {
-							await tx
-								.update(transactions)
-								.set(payload)
-								.where(eq(transactions.id, existingPayment.id));
-						} else {
-							await tx.insert(transactions).values(payload);
-						}
+					if (existingPayment) {
+						await tx
+							.update(transactions)
+							.set(payload)
+							.where(eq(transactions.id, existingPayment.id));
+					} else {
+						await tx.insert(transactions).values(payload);
 					}
 				}
 			} else {
@@ -207,7 +182,7 @@ export async function updateInvoicePaymentStatusAction(
 			}
 		});
 
-		revalidateForEntity("cards");
+		revalidateForEntity("cards", user.id);
 
 		return { success: true, message: successMessageByStatus[data.status] };
 	} catch (error) {
@@ -278,7 +253,7 @@ export async function updatePaymentDateAction(
 				.where(eq(transactions.id, existingPayment.id));
 		});
 
-		revalidateForEntity("cards");
+		revalidateForEntity("cards", user.id);
 
 		return { success: true, message: "Data de pagamento atualizada." };
 	} catch (error) {

src/features/notes/actions.ts

@@ -84,7 +84,7 @@ export async function createNoteAction(
 			userId: user.id,
 		});
 
-		revalidateForEntity("notes");
+		revalidateForEntity("notes", user.id);
 
 		return { success: true, message: "Anotação criada com sucesso." };
 	} catch (error) {
@@ -120,7 +120,7 @@ export async function updateNoteAction(
 			};
 		}
 
-		revalidateForEntity("notes");
+		revalidateForEntity("notes", user.id);
 
 		return { success: true, message: "Anotação atualizada com sucesso." };
 	} catch (error) {
@@ -147,7 +147,7 @@ export async function deleteNoteAction(
 			};
 		}
 
-		revalidateForEntity("notes");
+		revalidateForEntity("notes", user.id);
 
 		return { success: true, message: "Anotação removida com sucesso." };
 	} catch (error) {
@@ -184,7 +184,7 @@ export async function archiveNoteAction(
 			};
 		}
 
-		revalidateForEntity("notes");
+		revalidateForEntity("notes", user.id);
 
 		return {
 			success: true,

src/features/payers/actions.ts

@@ -81,7 +81,7 @@ type ShareDeleteInput = z.infer<typeof shareDeleteSchema>;
 type ShareCodeJoinInput = z.infer<typeof shareCodeJoinSchema>;
 type ShareCodeRegenerateInput = z.infer<typeof shareCodeRegenerateSchema>;
 
-const revalidate = () => revalidateForEntity("payers");
+const revalidate = (userId: string) => revalidateForEntity("payers", userId);
 
 const generateShareCode = () => {
 	// base64url já retorna apenas [a-zA-Z0-9_-]
@@ -108,7 +108,7 @@ export async function createPayerAction(
 			userId: user.id,
 		});
 
-		revalidate();
+		revalidate(user.id);
 
 		return { success: true, message: "Payer criado com sucesso." };
 	} catch (error) {
@@ -158,7 +158,7 @@ export async function updatePayerAction(
 			revalidatePath("/", "layout");
 		}
 
-		revalidate();
+		revalidate(currentUser.id);
 
 		return { success: true, message: "Payer atualizado com sucesso." };
 	} catch (error) {
@@ -195,7 +195,7 @@ export async function deletePayerAction(
 			.delete(payers)
 			.where(and(eq(payers.id, data.id), eq(payers.userId, user.id)));
 
-		revalidate();
+		revalidate(user.id);
 
 		return { success: true, message: "Payer removido com sucesso." };
 	} catch (error) {
@@ -246,7 +246,7 @@ export async function joinPayerByShareCodeAction(
 			createdByUserId: pagadorRow.userId,
 		});
 
-		revalidate();
+		revalidate(user.id);
 
 		return { success: true, message: "Payer adicionado à sua lista." };
 	} catch (error) {
@@ -291,7 +291,7 @@ export async function deletePayerShareAction(
 
 		await db.delete(payerShares).where(eq(payerShares.id, data.shareId));
 
-		revalidate();
+		revalidate(user.id);
 		revalidatePath(`/payers/${existing.payerId}`);
 
 		return { success: true, message: "Compartilhamento removido." };
@@ -325,7 +325,7 @@ export async function regeneratePayerShareCodeAction(
 					.set({ shareCode: newCode })
 					.where(and(eq(payers.id, data.payerId), eq(payers.userId, user.id)));
 
-				revalidate();
+				revalidate(user.id);
 				revalidatePath(`/payers/${data.payerId}`);
 				return {
 					success: true,

src/features/settings/actions.ts

@@ -2,14 +2,22 @@
 
 import { createHash, randomBytes } from "node:crypto";
 import { verifyPassword } from "better-auth/crypto";
-import { and, eq, isNull, ne } from "drizzle-orm";
+import { and, eq, isNull, ne, or } from "drizzle-orm";
 import { revalidatePath } from "next/cache";
 import { headers } from "next/headers";
 import { z } from "zod";
 import { account, apiTokens, payers } from "@/db/schema";
+import { revalidateForEntity } from "@/shared/lib/actions/helpers";
 import { auth } from "@/shared/lib/auth/config";
+import { DEFAULT_CATEGORIES } from "@/shared/lib/categories/defaults";
 import { db, schema } from "@/shared/lib/db";
-import { PAYER_ROLE_ADMIN } from "@/shared/lib/payers/constants";
+import {
+	DEFAULT_PAYER_AVATAR,
+	PAYER_ROLE_ADMIN,
+	PAYER_STATUS_OPTIONS,
+} from "@/shared/lib/payers/constants";
+import { getAdminPayerId } from "@/shared/lib/payers/get-admin-id";
+import { normalizeNameFromEmail } from "@/shared/lib/payers/utils";
 
 type ActionResponse<T = void> = {
 	success: boolean;
@@ -50,11 +58,96 @@ const deleteAccountSchema = z.object({
 	confirmation: z.literal("DELETAR"),
 });
 
+const resetAccountSchema = z.object({
+	confirmation: z.literal("ZERAR"),
+});
+
 const updatePreferencesSchema = z.object({
 	statementNoteAsColumn: z.boolean(),
 	transactionsColumnOrder: z.array(z.string()).nullable(),
 });
 
+type ResettableUser = {
+	name: string | null;
+	email: string | null;
+	image: string | null;
+};
+
+async function resetUserAppData(
+	userId: string,
+	user: ResettableUser,
+): Promise<void> {
+	const payerName =
+		(user.name && user.name.trim().length > 0
+			? user.name.trim()
+			: normalizeNameFromEmail(user.email)) || "Payer principal";
+	const avatarUrl = user.image ?? DEFAULT_PAYER_AVATAR;
+	const defaultPayerStatus = PAYER_STATUS_OPTIONS[0];
+
+	await db.transaction(async (tx: typeof db) => {
+		await tx
+			.delete(schema.payerShares)
+			.where(
+				or(
+					eq(schema.payerShares.sharedWithUserId, userId),
+					eq(schema.payerShares.createdByUserId, userId),
+				),
+			);
+
+		await tx
+			.delete(schema.userPreferences)
+			.where(eq(schema.userPreferences.userId, userId));
+		await tx
+			.delete(schema.apiTokens)
+			.where(eq(schema.apiTokens.userId, userId));
+		await tx
+			.delete(schema.savedInsights)
+			.where(eq(schema.savedInsights.userId, userId));
+		await tx.delete(schema.notes).where(eq(schema.notes.userId, userId));
+		await tx
+			.delete(schema.inboxItems)
+			.where(eq(schema.inboxItems.userId, userId));
+		await tx.delete(schema.budgets).where(eq(schema.budgets.userId, userId));
+		await tx
+			.delete(schema.installmentAnticipations)
+			.where(eq(schema.installmentAnticipations.userId, userId));
+		await tx
+			.delete(schema.transactions)
+			.where(eq(schema.transactions.userId, userId));
+		await tx.delete(schema.invoices).where(eq(schema.invoices.userId, userId));
+		await tx.delete(schema.cards).where(eq(schema.cards.userId, userId));
+		await tx
+			.delete(schema.financialAccounts)
+			.where(eq(schema.financialAccounts.userId, userId));
+		await tx.delete(schema.payers).where(eq(schema.payers.userId, userId));
+		await tx
+			.delete(schema.categories)
+			.where(eq(schema.categories.userId, userId));
+
+		if (DEFAULT_CATEGORIES.length > 0) {
+			await tx.insert(schema.categories).values(
+				DEFAULT_CATEGORIES.map((category) => ({
+					name: category.name,
+					type: category.type,
+					icon: category.icon,
+					userId,
+				})),
+			);
+		}
+
+		await tx.insert(schema.payers).values({
+			name: payerName,
+			email: user.email,
+			avatarUrl,
+			status: defaultPayerStatus,
+			note: null,
+			role: PAYER_ROLE_ADMIN,
+			isAutoSend: false,
+			userId,
+		});
+	});
+}
+
 // Actions
 
 export async function updateNameAction(
@@ -74,6 +167,7 @@ export async function updateNameAction(
 
 		const validated = updateNameSchema.parse(data);
 		const fullName = `${validated.firstName} ${validated.lastName}`;
+		const adminPayerId = await getAdminPayerId(session.user.id);
 
 		// Atualizar nome do usuário
 		await db
@@ -82,15 +176,14 @@ export async function updateNameAction(
 			.where(eq(schema.user.id, session.user.id));
 
 		// Sincronizar nome com o pagador admin
-		await db
-			.update(payers)
-			.set({ name: fullName })
-			.where(
-				and(
-					eq(payers.userId, session.user.id),
-					eq(payers.role, PAYER_ROLE_ADMIN),
-				),
-			);
+		if (adminPayerId) {
+			await db
+				.update(payers)
+				.set({ name: fullName })
+				.where(
+					and(eq(payers.userId, session.user.id), eq(payers.id, adminPayerId)),
+				);
+		}
 
 		// Revalidar o layout do dashboard para atualizar a sidebar
 		revalidatePath("/", "layout");
@@ -251,7 +344,7 @@ export async function updateEmailAction(
 			if (!storedHash) {
 				return {
 					success: false,
-					error: "FinancialAccount de credencial não encontrada.",
+					error: "Conta de credencial não encontrada.",
 				};
 			}
 
@@ -348,7 +441,7 @@ export async function deleteAccountAction(
 
 		return {
 			success: true,
-			message: "FinancialAccount deletada com sucesso",
+			message: "Conta deletada com sucesso.",
 		};
 	} catch (error) {
 		if (error instanceof z.ZodError) {
@@ -366,6 +459,75 @@ export async function deleteAccountAction(
 	}
 }
 
+export async function resetAccountAction(
+	data: z.infer<typeof resetAccountSchema>,
+): Promise<ActionResponse> {
+	try {
+		const session = await auth.api.getSession({
+			headers: await headers(),
+		});
+
+		if (!session?.user?.id) {
+			return {
+				success: false,
+				error: "Não autenticado",
+			};
+		}
+
+		resetAccountSchema.parse(data);
+
+		const currentUser = await db.query.user.findFirst({
+			columns: {
+				name: true,
+				email: true,
+				image: true,
+			},
+			where: eq(schema.user.id, session.user.id),
+		});
+
+		if (!currentUser) {
+			return {
+				success: false,
+				error: "Usuário não encontrado.",
+			};
+		}
+
+		await resetUserAppData(session.user.id, currentUser);
+
+		revalidateForEntity("accounts", session.user.id);
+		revalidateForEntity("cards", session.user.id);
+		revalidateForEntity("categories", session.user.id);
+		revalidateForEntity("budgets", session.user.id);
+		revalidateForEntity("payers", session.user.id);
+		revalidateForEntity("notes", session.user.id);
+		revalidateForEntity("transactions", session.user.id);
+		revalidateForEntity("inbox", session.user.id);
+		revalidatePath("/settings");
+		revalidatePath("/insights");
+		revalidatePath("/reports");
+		revalidatePath("/calendar");
+		revalidatePath("/", "layout");
+
+		return {
+			success: true,
+			message: "Conta zerada com sucesso.",
+		};
+	} catch (error) {
+		if (error instanceof z.ZodError) {
+			return {
+				success: false,
+				error: error.issues[0]?.message || "Dados inválidos",
+			};
+		}
+
+		console.error("Erro ao zerar conta:", error);
+		return {
+			success: false,
+			error: "Erro ao zerar conta. Tente novamente.",
+		};
+	}
+}
+
 export async function updatePreferencesAction(
 	data: z.infer<typeof updatePreferencesSchema>,
 ): Promise<ActionResponse> {
@@ -557,7 +719,12 @@ export async function revokeApiTokenAction(
 			.set({
 				revokedAt: new Date(),
 			})
-			.where(eq(apiTokens.id, validated.tokenId));
+			.where(
+				and(
+					eq(apiTokens.id, validated.tokenId),
+					eq(apiTokens.userId, session.user.id),
+				),
+			);
 
 		revalidatePath("/settings");
 

src/features/settings/components/delete-account-form.tsx

@@ -2,7 +2,10 @@
 import { useRouter } from "next/navigation";
 import { useState, useTransition } from "react";
 import { toast } from "sonner";
-import { deleteAccountAction } from "@/features/settings/actions";
+import {
+	deleteAccountAction,
+	resetAccountAction,
+} from "@/features/settings/actions";
 import { Button } from "@/shared/components/ui/button";
 import {
 	Dialog,
@@ -16,68 +19,145 @@ import { Input } from "@/shared/components/ui/input";
 import { Label } from "@/shared/components/ui/label";
 import { authClient } from "@/shared/lib/auth/client";
 
+const RESET_CONFIRMATION = "ZERAR";
+const DELETE_CONFIRMATION = "DELETAR";
+
+type DangerAction = "reset" | "delete";
+
 export function DeleteAccountForm() {
 	const router = useRouter();
 	const [isPending, startTransition] = useTransition();
-	const [isModalOpen, setIsModalOpen] = useState(false);
+	const [dangerAction, setDangerAction] = useState<DangerAction | null>(null);
 	const [confirmation, setConfirmation] = useState("");
 
-	const handleDelete = () => {
+	const handleAction = () => {
+		if (!dangerAction) return;
+
+		const currentAction = dangerAction;
+
 		startTransition(async () => {
-			const result = await deleteAccountAction({
-				confirmation: confirmation as "DELETAR",
-			});
+			const result =
+				currentAction === "reset"
+					? await resetAccountAction({
+							confirmation: confirmation as typeof RESET_CONFIRMATION,
+						})
+					: await deleteAccountAction({
+							confirmation: confirmation as typeof DELETE_CONFIRMATION,
+						});
 
 			if (result.success) {
 				toast.success(result.message);
-				// Fazer logout e redirecionar para página de login
-				await authClient.signOut();
-				router.push("/");
+
+				if (currentAction === "delete") {
+					await authClient.signOut();
+					router.push("/");
+					return;
+				}
+
+				setConfirmation("");
+				setDangerAction(null);
+				router.refresh();
 			} else {
 				toast.error(result.error);
 			}
 		});
 	};
 
-	const handleOpenModal = () => {
+	const handleOpenModal = (action: DangerAction) => {
 		setConfirmation("");
-		setIsModalOpen(true);
+		setDangerAction(action);
 	};
 
 	const handleCloseModal = () => {
 		if (isPending) return;
 		setConfirmation("");
-		setIsModalOpen(false);
+		setDangerAction(null);
 	};
 
+	const confirmationWord =
+		dangerAction === "reset" ? RESET_CONFIRMATION : DELETE_CONFIRMATION;
+	const isResetAction = dangerAction === "reset";
+
 	return (
 		<>
 			<div className="flex flex-col space-y-6">
-				<div className="space-y-4 max-w-md">
-					<ul className="list-disc list-inside text-sm text-destructive space-y-1">
-						<li>Lançamentos, orçamentos e anotações</li>
-						<li>Contas, cartões e categorias</li>
-						<li>Pagadores (incluindo o pagador padrão)</li>
-						<li>Preferências e configurações</li>
-						<li className="font-bold">
-							Resumindo tudo, sua conta será permanentemente removida
-						</li>
-					</ul>
+				<div className="rounded-lg border p-4">
+					<div className="space-y-4">
+						<div>
+							<h3 className="font-semibold">Zerar conta</h3>
+							<p className="text-sm text-muted-foreground">
+								Apaga todos os dados do OpenMonetis e deixa sua conta no estado
+								inicial, mantendo seu login e credenciais de acesso.
+							</p>
+						</div>
+
+						<ul className="list-disc list-inside text-sm text-muted-foreground space-y-1">
+							<li>Lançamentos, faturas, antecipações e pré-lançamentos</li>
+							<li>Contas, cartões, orçamentos e anotações</li>
+							<li>Pagadores próprios e compartilhamentos recebidos</li>
+							<li>
+								Preferências do app, insights salvos e tokens do Companion
+							</li>
+							<li className="font-medium text-foreground">
+								Categorias padrão e pagador admin serão recriados
+								automaticamente
+							</li>
+						</ul>
+
+						<div className="flex justify-end">
+							<Button
+								variant="outline"
+								onClick={() => handleOpenModal("reset")}
+								disabled={isPending}
+								className="w-fit border-destructive/30 text-destructive hover:bg-destructive/10 hover:text-destructive"
+							>
+								Zerar conta
+							</Button>
+						</div>
+					</div>
 				</div>
 
-				<div className="flex justify-end">
-					<Button
-						variant="destructive"
-						onClick={handleOpenModal}
-						disabled={isPending}
-						className="w-fit"
-					>
-						Deletar conta
-					</Button>
+				<div className="rounded-lg border border-destructive/30 bg-destructive/5 p-4">
+					<div className="space-y-4">
+						<div>
+							<h3 className="font-semibold text-destructive">Deletar conta</h3>
+							<p className="text-sm text-muted-foreground">
+								Remove seu usuário e todos os dados associados de forma
+								permanente.
+							</p>
+						</div>
+
+						<ul className="list-disc list-inside text-sm text-destructive space-y-1">
+							<li>Lançamentos, orçamentos e anotações</li>
+							<li>Contas, cartões e categorias</li>
+							<li>Pagadores, credenciais e configurações</li>
+							<li className="font-bold">
+								Resumindo tudo, sua conta será permanentemente removida
+							</li>
+						</ul>
+
+						<div className="flex justify-end">
+							<Button
+								variant="destructive"
+								onClick={() => handleOpenModal("delete")}
+								disabled={isPending}
+								className="w-fit"
+							>
+								Deletar conta
+							</Button>
+						</div>
+					</div>
 				</div>
 			</div>
 
-			<Dialog open={isModalOpen} onOpenChange={setIsModalOpen}>
+			<Dialog
+				open={dangerAction !== null}
+				onOpenChange={(isOpen) => {
+					if (!isOpen) {
+						handleCloseModal();
+					}
+				}}
+			>
 				<DialogContent
 					className="max-w-md"
 					onEscapeKeyDown={(e) => {
@@ -88,24 +168,28 @@ export function DeleteAccountForm() {
 					}}
 				>
 					<DialogHeader>
-						<DialogTitle>Você tem certeza?</DialogTitle>
+						<DialogTitle>
+							{isResetAction ? "Zerar sua conta?" : "Você tem certeza?"}
+						</DialogTitle>
 						<DialogDescription>
-							Essa ação não pode ser desfeita. Isso irá deletar permanentemente
-							sua conta e remover seus dados de nossos servidores.
+							{isResetAction
+								? "Essa ação não pode ser desfeita. Todos os dados do app serão apagados e sua conta voltará ao estado inicial, mas seu login continuará existindo."
+								: "Essa ação não pode ser desfeita. Isso irá deletar permanentemente sua conta e remover seus dados de nossos servidores."}
 						</DialogDescription>
 					</DialogHeader>
 
 					<div className="space-y-4 py-4">
 						<div className="space-y-2">
 							<Label htmlFor="confirmation">
-								Para confirmar, digite <strong>DELETAR</strong> no campo abaixo.
+								Para confirmar, digite <strong>{confirmationWord}</strong> no
+								campo abaixo.
 							</Label>
 							<Input
 								id="confirmation"
 								value={confirmation}
 								onChange={(e) => setConfirmation(e.target.value)}
 								disabled={isPending}
-								placeholder="DELETAR"
+								placeholder={confirmationWord}
 								autoComplete="off"
 							/>
 						</div>
@@ -122,11 +206,22 @@ export function DeleteAccountForm() {
 						</Button>
 						<Button
 							type="button"
-							variant="destructive"
-							onClick={handleDelete}
-							disabled={isPending || confirmation !== "DELETAR"}
+							variant={isResetAction ? "outline" : "destructive"}
+							onClick={handleAction}
+							disabled={isPending || confirmation !== confirmationWord}
+							className={
+								isResetAction
+									? "border-destructive/30 text-destructive hover:bg-destructive/10 hover:text-destructive"
+									: undefined
+							}
 						>
-							{isPending ? "Deletando..." : "Deletar"}
+							{isPending
+								? isResetAction
+									? "Zerando..."
+									: "Deletando..."
+								: isResetAction
+									? "Zerar conta"
+									: "Deletar"}
 						</Button>
 					</DialogFooter>
 				</DialogContent>

src/features/transactions/anticipation-actions.ts

@@ -263,10 +263,15 @@ export async function createInstallmentAnticipationAction(
 					anticipationId: anticipation.id,
 					amount: "0", // Zera o valor para não contar em dobro
 				})
-				.where(inArray(transactions.id, data.installmentIds));
+				.where(
+					and(
+						inArray(transactions.id, data.installmentIds),
+						eq(transactions.userId, user.id),
+					),
+				);
 		});
 
-		revalidateForEntity("transactions");
+		revalidateForEntity("transactions", user.id);
 
 		return {
 			success: true,
@@ -418,24 +423,37 @@ export async function cancelInstallmentAnticipationAction(
 					amount: formatDecimalForDbRequired(originalValuePerInstallment),
 				})
 				.where(
-					inArray(
-						transactions.id,
-						anticipation.anticipatedInstallmentIds as string[],
+					and(
+						inArray(
+							transactions.id,
+							anticipation.anticipatedInstallmentIds as string[],
+						),
+						eq(transactions.userId, user.id),
 					),
 				);
 
 			// 5. Deletar lançamento de antecipação
 			await tx
 				.delete(transactions)
-				.where(eq(transactions.id, anticipation.transactionId));
+				.where(
+					and(
+						eq(transactions.id, anticipation.transactionId),
+						eq(transactions.userId, user.id),
+					),
+				);
 
 			// 6. Deletar registro de antecipação
 			await tx
 				.delete(installmentAnticipations)
-				.where(eq(installmentAnticipations.id, data.anticipationId));
+				.where(
+					and(
+						eq(installmentAnticipations.id, data.anticipationId),
+						eq(installmentAnticipations.userId, user.id),
+					),
+				);
 		});
 
-		revalidateForEntity("transactions");
+		revalidateForEntity("transactions", user.id);
 
 		return {
 			success: true,

src/shared/lib/actions/helpers.ts

@@ -49,16 +49,17 @@ const DASHBOARD_ENTITIES: ReadonlySet<string> = new Set([
 
 /**
  * Revalidates paths for a specific entity.
- * Also invalidates the dashboard "use cache" tag for financial entities.
+ * Also invalidates the user-scoped dashboard cache tag for financial entities.
  * @param entity - The entity type
  */
 export function revalidateForEntity(
 	entity: keyof typeof revalidateConfig,
+	userId: string,
 ): void {
 	revalidateConfig[entity].forEach((path) => revalidatePath(path));
 
-	// Invalidate dashboard cache for financial mutations
+	// Invalidate dashboard cache for financial mutations.
 	if (DASHBOARD_ENTITIES.has(entity)) {
-		revalidateTag("dashboard", "max");
+		revalidateTag(`dashboard-${userId}`, "max");
 	}
 }

src/shared/lib/schemas/common.ts

@@ -15,18 +15,21 @@ export const uuidSchema = (entityName: string = "ID") =>
 /**
  * Optional/nullable decimal string schema
  */
-export const optionalDecimalSchema = z
-	.string()
-	.trim()
-	.optional()
-	.transform((value) =>
-		value && value.length > 0 ? value.replace(",", ".") : null,
-	)
-	.refine(
-		(value) => value === null || !Number.isNaN(Number.parseFloat(value)),
-		"Informe um valor numérico válido.",
-	)
-	.transform((value) => (value === null ? null : Number.parseFloat(value)));
+export const optionalDecimalSchema = z.union([
+	z.number().nullable(),
+	z
+		.string()
+		.trim()
+		.optional()
+		.transform((value) =>
+			value && value.length > 0 ? value.replace(",", ".") : null,
+		)
+		.refine(
+			(value) => value === null || !Number.isNaN(Number.parseFloat(value)),
+			"Informe um valor numérico válido.",
+		)
+		.transform((value) => (value === null ? null : Number.parseFloat(value))),
+]);
 
 /**
  * Day of month schema (1-31)