# =============================================================================
# Personal CFO Agent — environment template
# Copy to .env and fill in values:  cp .env.example .env
# Never commit .env. Secrets are redacted in logs but still belong only here.
# =============================================================================

# --- Core --------------------------------------------------------------------

DATABASE_PATH=./data/agent.db
NODE_ENV=development
LOG_LEVEL=info

# --- Safety ------------------------------------------------------------------
# Live money moves require BOTH LIVE_EXECUTION=true AND:  pnpm dev --live

LIVE_EXECUTION=false

# --- Policy ------------------------------------------------------------------
# Copy config/policy.example.yaml → config/policy.yaml and customize first.

POLICY_PATH=./config/policy.yaml

# --- Wallet (EVM) ------------------------------------------------------------

WALLET_KEYSTORE_PATH=./data/keystore.json
WALLET_PASSPHRASE=
WALLET_CONFIG_PATH=./config/wallet.yaml

# --- LI.FI -------------------------------------------------------------------

LIFI_CONFIG_PATH=./config/lifi.yaml
LIFI_INTEGRATOR=personal-cfo-agent

# --- Paystack Index (MCP) ----------------------------------------------------

INDEX_MCP_URL=
INDEX_MCP_API_KEY=

# Optional MCP tool name overrides (auto-discovered when omitted)
INDEX_MCP_BALANCE_TOOL=
INDEX_MCP_AIRTIME_TOOL=
INDEX_MCP_TRANSFER_TOOL=

# USD/NGN fallback when off-ramp FX quote is unreachable
FX_FALLBACK_USD_NGN=1500
# Yellow Card engineering docs were down at build time; Juicyway is the default.
# Docs: https://docs.juicyway.com/home
# Flow: USDC/USDT → FX convert → NGN payout to your float beneficiary.
# Create beneficiary first (your NGN bank account for Index float), then paste ID.

OFFRAMP_PROVIDER=juicyway
JUICYWAY_API_KEY=
JUICYWAY_BASE_URL=https://api-sandbox.spendjuice.com
JUICYWAY_BENEFICIARY_ID=
JUICYWAY_PAYOUT_PIN=

# --- Off-ramp (alternatives) -------------------------------------------------
# yellowcard — blocked until docs.yellowcard.engineering is reachable again
# onramp     — not wired yet; see docs/offramp-providers.md

# YELLOWCARD_API_KEY=
# YELLOWCARD_SECRET_KEY=
# ONRAMP_API_KEY=
# ONRAMP_APP_ID=

# --- Agent (Claude) ----------------------------------------------------------

ANTHROPIC_API_KEY=
ANTHROPIC_MODEL=claude-sonnet-4-20250514

# --- Triggers ----------------------------------------------------------------

REBALANCE_TARGET_NGN=100000
REBALANCE_CRON=0 */6 * * *

# Proactive triggers (default off; never auto-start in test NODE_ENV)
TRIGGERS_ENABLED=false
TRIGGERS_REBALANCE_CRON=*/15 * * * *

# --- Demo UI -----------------------------------------------------------------
# Interactive showcase for recordings (LI.FI + Index story). No API keys needed.

DEMO_PORT=4173