Features Overview

Overview of the current oxide-banking feature set.

Core Banking

• Checking account access backed by the current framework through o-link.money
• Shared account creation and account-user management
• Job account creation based on olink.framework.GetJobs()
• Organization-style compatibility accounts retained in the data model and legacy export layer
• Account balance lookup, statement history, and account-level cache management

Bank And ATM Access

• Bank branches from Config.BankLocations
• ATM detection from Config.ATMModels
• o-link.target support when Config.UseTarget = true
• Proximity fallback when Config.UseTarget = false
• Card selector flow before ATM access
• Bank card inventory checks through o-link.inventory

Cards

• Card issuance per account
• Card validation and secure PIN verification
• Daily usage tracking
• Freeze, unfreeze, cancel, and replacement flows
• Account-level card limits and permission checks

Transfers And Payments

• Deposits and withdrawals
• Internal transfers between owned accounts
• External transfers to other characters
• Wire transfer processing
• Pending transfer cancellation
• Recurring payment scheduling and management
• Fee previews and daily limit checks

Tiering, Savings, And Fees

• Account tiers: basic, premium, business
• Tier upgrades and downgrades
• Savings accounts and savings goals
• Maintenance fees, overdraft fees, NSF fees, and service fees
• Fee waiver support for eligible tiers and balances

Loans And Credit

• Personal, business, and emergency loans
• Loan eligibility checks, term calculation, and application flow
• Manual approval support for high-value loans
• Payoff, payment history, and collections handling
• Credit score history, recalculation, and score breakdown exports
• Vehicle-loan registration exports for external financing systems

Investments

• Savings bonds
• Stock index fund
• Crypto fund
• Real estate trust
• Market-state tracking and historical data
• Dividend processing
• Certificate of deposit products with maturity and early-withdraw rules

Security

• 2FA enable, disable, verification, and backup code workflows
• Suspicious transaction flagging
• Transaction alert preferences
• Self-freeze and self-unfreeze support
• Security log retrieval and audit events

Business Features

• Invoice creation, cancellation, payment, and overdue processing
• Expense recording and summary queries
• Income statement generation
• Balance report generation
• Cash flow reporting

Scheduler

The current scheduler handles interest, loan processing, recurring payments, invoices, market updates, dividends, and cleanup jobs.

Important current behavior:

• scheduler state is stored in the database
• the implementation currently uses server wall-clock time for hour/day progression
• daily banking tasks run from the scheduler's internal day counter

Framework Support

oxide-banking supports QBCore, QBX, and ESX through o-link with no framework-specific configuration required.

Legacy QB-Banking Compatibility

A compatibility layer is retained for older resources that still reference qb-banking:

• provides { 'qb-banking' }
• Legacy qb-banking exports
• Legacy qb-banking:server:* callback names

New integrations should use exports['oxide-banking'] regardless of framework. See Exports And Integration for the full API.