fix: block small-account strategy buy top-ups

Co-Authored-By: Codex <noreply@openai.com>

Author: Pigbibi

application/execution_service.py

@@ -1485,6 +1485,8 @@ def record_quote_snapshot(symbol, snapshot) -> None:
         "small_account_safe_haven_cash_substituted_symbols": [],
         "small_account_whole_share_cash_notes": [],
         "small_account_allocation_drift_notes": [],
+        "small_account_buy_blocked": False,
+        "small_account_buy_block_reason": None,
         "residual_cash_estimate": float(account_values.get("buying_power", 0.0) or 0.0),
         "projected_sell_release_value": 0.0,
         "current_stock_weight": 0.0,
@@ -2128,7 +2130,19 @@ def cash_sweep_sale_quantity_to_fund_buy(max_quantity: int, candidate_symbols: t
         if current_mv.get(symbol, 0.0) < float(target or 0.0) - threshold
     ]
     buys_blocked_reason = None
-    if cash_only_execution and pending_sell_release_symbols and buy_needed_symbols:
+    if bool(signal_metadata.get("small_account_warning")) and buy_needed_symbols:
+        buys_blocked_reason = "small_account_below_recommended_equity"
+        execution_summary["small_account_buy_blocked"] = True
+        execution_summary["small_account_buy_block_reason"] = buys_blocked_reason
+        execution_summary["skipped_reasons"].append(buys_blocked_reason)
+        trade_logs.append(
+            translator(
+                "buy_deferred_small_account",
+                portfolio_equity=f"{float(equity or 0.0):,.2f}",
+                min_recommended_equity=f"{float(signal_metadata.get('min_recommended_equity_usd') or 0.0):,.2f}",
+            )
+        )
+    if buys_blocked_reason is None and cash_only_execution and pending_sell_release_symbols and buy_needed_symbols:
         if _rotation_guard_should_block_buys(
             pending_sell_release_symbols=pending_sell_release_symbols,
             buy_needed_symbols=buy_needed_symbols,

notifications/telegram.py

@@ -68,6 +68,7 @@ def _break_telegram_market_symbol_auto_links(value) -> str:
         "no_order_plan_reason": "未下单: {reason}",
         "buy_deferred": "ℹ️ [买入说明] {detail}",
         "buy_deferred_small_account_cash_substitution": "{symbol} 目标金额 ${diff} 低于 1 股价格 ${price}；为避免超过目标仓位，小账户本轮保留现金，不回补 {cash_symbols}",
+        "buy_deferred_small_account": "ℹ️ [买入保护] 账户净值 ${portfolio_equity} 低于策略建议 ${min_recommended_equity}；本轮禁止新增或加仓，允许策略正常减仓",
         "small_account_allocation_drift": "📏 整数股偏离：若本轮订单全部成交，{details}",
         "small_account_allocation_drift_detail": "{symbol} 预计 {projected_weight} vs 目标 {target_weight}（{drift_weight}）",
         "buy_lifted_small_account_whole_share": "ℹ️ [买入说明] {symbols} 目标金额接近 1 股；小账户整数股兼容，本轮允许按 1 股下单",
@@ -286,6 +287,7 @@ def _break_telegram_market_symbol_auto_links(value) -> str:
         "no_order_plan_reason": "No order submitted: {reason}",
         "buy_deferred": "ℹ️ [Buy note] {detail}",
         "buy_deferred_small_account_cash_substitution": "{symbol} target ${diff} is below the 1-share price ${price}; to avoid exceeding the target allocation, this small account keeps cash this cycle and does not rebuy {cash_symbols}",
+        "buy_deferred_small_account": "ℹ️ [Buy guard] Portfolio equity ${portfolio_equity} is below the strategy recommendation ${min_recommended_equity}; new buys and top-ups are blocked while strategy-driven reductions remain allowed",
         "small_account_allocation_drift": "📏 Integer-share drift: if this cycle's orders fully fill, {details}",
         "small_account_allocation_drift_detail": "{symbol} projected {projected_weight} vs target {target_weight} ({drift_weight})",
         "buy_lifted_small_account_whole_share": "ℹ️ [Buy note] {symbols} target is close to one share; small-account whole-share compatibility allows a 1-share order this cycle",

tests/test_execution_service.py

@@ -62,6 +62,9 @@ def translate(key, **kwargs):
             "{symbol} 目标金额 ${diff} 低于 1 股价格 ${price}；"
             "为避免超过目标仓位，小账户本轮保留现金，不回补 {cash_symbols}"
         ),
+        "buy_deferred_small_account": (
+            "small_account_buy_blocked equity={portfolio_equity} minimum={min_recommended_equity}"
+        ),
         "small_account_allocation_drift": "📏 整数股偏离：若本轮订单全部成交，{details}",
         "small_account_allocation_drift_detail": (
             "{symbol} 预计 {projected_weight} vs 目标 {target_weight}（{drift_weight}）"
@@ -849,6 +852,60 @@ def accountValues(self):
     assert boxx_row["target_weight"] == 0.0
 
 
+def test_execute_rebalance_blocks_small_account_buy_but_keeps_strategy_reductions_available(monkeypatch, tmp_path):
+    class FakeIB:
+        def openTrades(self):
+            return []
+
+        def fills(self):
+            return []
+
+        def accountValues(self):
+            return [SimpleNamespace(tag="AvailableFunds", currency="USD", value="500.00")]
+
+    submitted = []
+    monkeypatch.setattr("application.execution_service.time.sleep", lambda _seconds: None)
+
+    trade_logs, summary = execute_rebalance(
+        FakeIB(),
+        {},
+        {},
+        {"equity": 500.0, "buying_power": 500.0},
+        fetch_quote_snapshots=lambda _ib, symbols: {
+            symbol: SimpleNamespace(last_price=100.0) for symbol in symbols
+        },
+        submit_order_intent=lambda _ib, intent: submitted.append(intent),
+        order_intent_cls=OrderIntent,
+        translator=translate,
+        strategy_symbols=["VOO", "BOXX"],
+        strategy_profile="soxl_soxx_trend_income",
+        signal_metadata=_signal_metadata(
+            {"VOO": 0.8, "BOXX": 0.2},
+            risk_symbols=("VOO",),
+            safe_haven_symbols=("BOXX",),
+            trade_date="2026-08-24",
+            small_account_warning=True,
+            min_recommended_equity_usd=1000.0,
+        ),
+        dry_run_only=False,
+        cash_reserve_ratio=0.0,
+        rebalance_threshold_ratio=0.02,
+        limit_buy_premium=1.0,
+        sell_settle_delay_sec=0,
+        execution_lock_dir=tmp_path,
+        return_summary=True,
+    )
+
+    assert submitted == []
+    assert summary["small_account_buy_blocked"] is True
+    assert summary["small_account_buy_block_reason"] == "small_account_below_recommended_equity"
+    assert {order["reason"] for order in summary["orders_skipped"]} == {
+        "small_account_below_recommended_equity"
+    }
+    assert "small_account_below_recommended_equity" in summary["skipped_reasons"]
+    assert any(log.startswith("small_account_buy_blocked") for log in trade_logs)
+
+
 def test_execute_rebalance_routes_order_to_single_account_id(monkeypatch, tmp_path):
     class FakeIB:
         def openTrades(self):