Configuration Reference

Everything you can change lives in the config/ folder. This page explains each file and the most important settings. After changing a config file, restart the resource (ensure oxide-banking) for the change to take effect.

Config File Map

File	Purpose
`config/config.lua`	General settings, interaction, security, time, cards, business, transfer delays, and debug settings
`config/accounts.lua`	Tier definitions, account types, and savings goal categories
`config/loans.lua`	Loan products, approval rules, late fees, collections, and vehicle-loan display types
`config/interest.lua`	Interest, investments, market simulation, and certificates of deposit
`config/fees.lua`	Transaction, maintenance, overdraft, service, and waiver rules

General Settings

File: config/config.lua

Setting	Type	Default	Description
`Config.Debug`	`boolean`	`false`	Prints extra information to the server console for troubleshooting
`Config.UseTarget`	`boolean`	`true`	`true` = players use the targeting eye on banks/ATMs; `false` = players walk up and press a key
`Config.ATMModels`	`string[]`	4 models	Which ATM props around the map players can use
`Config.BankLocations`	`table[]`	8 locations	Where the bank branches are and what they are called
`Config.Blips.enabled`	`boolean`	`true`	Shows bank icons on the map

Security

File: config/config.lua

Setting	Default	Description
`Config.Security.Enable2FA`	`true`	Asks for a security code before large transactions go through
`Config.Security.TwoFactorThreshold`	`50000`	Transactions at or above this amount ask for the security code
`Config.Security.MaxLoginAttempts`	`3`	How many wrong PIN entries are allowed before the account locks
`Config.Security.LockoutDuration`	`300`	How long the lockout lasts, in seconds (300 = 5 minutes)
`Config.Security.EnableFraudDetection`	`true`	Automatically flags suspicious activity and alerts online admins
`Config.Security.SuspiciousTransactionAmount`	`100000`	Transactions over this amount get flagged as suspicious
`Config.Security.EnableTransactionAlerts`	`true`	Sends players a notification when money moves on their account
`Config.Security.AlertThreshold`	`10000`	Only transactions at or above this amount trigger an alert

Scheduling And Time

File: config/config.lua

Banking runs on its own internal calendar. One "banking day" passes at midnight (your server's real clock) while the server is running. Interest, loan payments, recurring payments, and market updates are all measured in banking days.

Setting	Default	Description
`Config.TimeSettings.UseInGameTime`	`true`	Not currently used — the banking schedule always runs on the server's real clock
`Config.TimeSettings.InterestPayoutHour`	`0`	Server-time hour when daily tasks run (0 = midnight)
`Config.TimeSettings.SavingsInterestInterval`	`1`	Pay savings interest every N banking days
`Config.TimeSettings.LoanPaymentInterval`	`7`	Collect loan payments every N banking days
`Config.TimeSettings.InvestmentUpdateInterval`	`1`	Update investment values every N banking days
`Config.TimeSettings.RecurringPaymentCheck`	`1`	Process recurring payments every N banking days
`Config.TimeSettings.DaysPerYear`	`28`	How many banking days count as one "year" when calculating interest

Cards, Notifications, Logging, And Transfers

File: config/config.lua

Cards

Config.Cards controls card order cost, replacement cost, PIN length, per-account limits, shared-account card permissions, and cleanup retention for cancelled cards.

Important defaults:

OrderCost = 50
ReplacementCost = 100
PinLength = 4
MaxCardsPerAccount = 2
ShowAccountBalanceInSelector = false
AllowPINChange = true
AllowFreeze = true
AllowCancel = true
AllowReplacement = true

Logging

Setting	Default	Description
`Config.Logging.Enabled`	`true`	Enables banking logging
`Config.Logging.LogTransactions`	`true`	Transaction log toggle
`Config.Logging.LogLoans`	`true`	Loan log toggle
`Config.Logging.LogAccountChanges`	`true`	Account/admin change log toggle
`Config.Logging.LogSecurityEvents`	`true`	Security log toggle

Business

Config.Business controls expense categorization, invoice due/late-fee behavior, expense approval thresholds, and report caching for business accounts.

Important defaults:

InvoiceDueDays = 7
InvoiceLateFeeEnabled = true
InvoiceLateFeePercent = 0.05
InvoiceMaxLateFee = 10000
LargeExpenseThreshold = 10000 (0 disables approval)
ReportCacheDuration = 3600
MaxReportMonths = 12

Config.Business.ExpenseCategories ships with 7 default categories (supplies, utilities, vehicle, property, legal, marketing, other).

Credit Score

Setting	Default	Description
`Config.CreditScore.defaultScore`	`650`	Starting credit score for new players

Transfer delays and transaction caps

Config.TransferDelays makes external and wire transfers take time to arrive instead of being instant. The delays are set in real-time hours (default: external 6 hours, wire 24 hours). Players can pay an expedited fee to skip the wait, and pending transfers can be cancelled before they complete.

Config.Transactions caps single deposits, withdrawals, and transfers at 10000000 ($10M) by default.

Account Tiers And Account Types

File: config/accounts.lua

Tiers

Config.AccountTiers currently ships with:

basic
premium
business

Each tier defines:

label and description
monthly fee
interest rate
max shared accounts
daily withdraw and transfer limits
feature flags
requirement rules

Account types

Config.AccountTypes currently includes:

checking — the player's main personal account
savings — earns extra interest, with a small penalty for early withdrawals
shared — accounts a player can share with other players
job — business accounts tied to a job (police, mechanic, etc.)
gang — organization accounts

These work the same on every supported framework (QBCore, QBX, ESX).

Savings goals

Config.SavingsGoals defines max goals per player and the category list used by the UI.

Loans

File: config/loans.lua

Core loan settings

Setting	Default
`Config.Loans.enabled`	`true`
`Config.Loans.maxActiveLoans`	`3`
`Config.Loans.dailyLoanLimit`	`2`
`Config.Loans.gracePeriod`	`1`
`Config.Loans.minimumInterestRate`	`0.01`

Built-in products

Current built-in products:

personal
business
emergency

Each product defines:

amount range
base interest rate
term options
eligibility requirements
collateral usage
optional instant-approval behavior

External loan types

Config.Loans.externalTypes is used for externally managed loan records that still appear in the bank UI. The shipped config includes vehicle.

Approval, late fees, and collections

The file also defines:

Config.CreditScoreRateModifiers
Config.LatePayment
Config.Loans.collections
Config.LoanApproval

Notable collection settings include wage garnishment, asset seizure support, and optional collateral handler resource configuration.

Interest, Investments, And CDs

File: config/interest.lua

Interest

Config.Interest controls:

enabled state
simple vs compound calculation
daily vs weekly payout frequency
minimum balance
max payout cap
account-type-specific rate overrides

Investments

Built-in investment products:

savings_bond
stock_index
crypto_fund
real_estate

The file also defines dividend defaults and market simulation behavior such as trend duration, crash chance, boom chance, and momentum carry-over.

Certificates of deposit

Config.CertificatesOfDeposit.products currently includes:

cd_short
cd_medium
cd_long

Each product defines term length, interest rate, min/max deposit, and early withdrawal penalty.

Fees

File: config/fees.lua

Config.Fees covers:

ATM fees
wire transfer fees
external transfer fees
expedited transfer fees
maintenance fees
service fees
overdraft fees
insufficient funds fees
late payment fees

Config.FeeWaivers defines waiver rules for premium tier, business tier, and high-balance customers.

Config.FeeDescriptions provides UI-facing labels for fee keys.

Debug Settings

File: config/config.lua

Setting	Default	Description
`Config.DebugSettings.AllowInProduction`	`false`	Must be `true` before `/bankingdebug` will work — debug output can include player details, so keep it off on a live server
`Config.DebugSettings.AutoTimeoutMinutes`	`30`	Turns debug mode back off automatically after this many minutes
`Config.DebugSettings.RequireGodMode`	`false`	Not currently used

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