CORS_ALLOWED_ORIGINS=http://localhost:3000,http://localhost:3001
FRONTEND_URL=http://localhost:3000

DATABASE_URL=postgres://postgres:postgres@db:5432/remitlend
REDIS_URL=redis://redis:6379

# Stellar Configuration
# Select network defaults ("testnet" or "mainnet")
STELLAR_NETWORK=testnet
# Optional override (defaults from STELLAR_NETWORK; must match selected network)
STELLAR_RPC_URL=https://soroban-testnet.stellar.org
# Optional override (must match selected network exactly)
STELLAR_NETWORK_PASSPHRASE=Test SDF Network ; September 2015
LOAN_MANAGER_CONTRACT_ID=
REMITTANCE_NFT_CONTRACT_ID=
LENDING_POOL_CONTRACT_ID=
MULTISIG_GOVERNANCE_CONTRACT_ID=
POOL_TOKEN_ADDRESS=
STELLAR_USDC_ISSUER=
STELLAR_EURC_ISSUER=
STELLAR_PHP_ISSUER=
# Secret key for the on-chain LoanManager admin account (G... / S...)
LOAN_MANAGER_ADMIN_SECRET=
# Optional override for score reconciliation read calls
SCORE_RECONCILIATION_SOURCE_SECRET=

# Loan configuration (required)
LOAN_MIN_SCORE=500
LOAN_MAX_AMOUNT=50000
LOAN_INTEREST_RATE_PERCENT=12
CREDIT_SCORE_THRESHOLD=600

# Score Deltas (used by indexer to update user scores)
SCORE_DELTA_REPAY=15
SCORE_DELTA_DEFAULT=50
SCORE_DELTA_LATE=5

# Indexer Configuration
INDEXER_POLL_INTERVAL_MS=30000
INDEXER_BATCH_SIZE=100

# Default checker (on-chain `check_defaults`)
# How often to scan + submit default checks while the API process is running
DEFAULT_CHECK_INTERVAL_MS=1800000
# Max loans to include per scheduled run (safety valve)
DEFAULT_CHECK_MAX_LOANS_PER_RUN=500
# Number of loan IDs per Soroban transaction
DEFAULT_CHECK_BATCH_SIZE=25
# Max time to wait for a single batch submission before moving on
DEFAULT_CHECK_BATCH_TIMEOUT_MS=300000
# Number of concurrent batches to submit
DEFAULT_CHECK_CONCURRENCY=3
# Polling configuration after submission
DEFAULT_CHECK_POLL_ATTEMPTS=30
DEFAULT_CHECK_POLL_SLEEP_MS=1000
# Must match the deployed contract if it ever changes from the repo default
LOAN_TERM_LEDGERS=17280

# Score reconciliation
SCORE_RECONCILIATION_INTERVAL_MS=3600000
SCORE_RECONCILIATION_MAX_BORROWERS_PER_RUN=500
SCORE_RECONCILIATION_BATCH_SIZE=25
SCORE_RECONCILIATION_AUTOCORRECT_ENABLED=false
SCORE_RECONCILIATION_AUTOCORRECT_THRESHOLD=50

# Authentication
JWT_SECRET=your-super-secret-jwt-key-change-in-production
INTERNAL_API_KEY=change-me

# Webhooks
WEBHOOK_REQUEST_TIMEOUT_MS=30000

# Sentry (leave blank to disable; set SENTRY_DSN in staging/production)
SENTRY_DSN=

# Notifications
NOTIFICATION_RETENTION_DAYS=90
READ_NOTIFICATION_RETENTION_DAYS=30

# SendGrid Email Configuration
SENDGRID_API_KEY=
FROM_EMAIL=

# Admin Notifications
ADMIN_EMAIL=
ADMIN_WEBHOOK_URL=

# Twilio SMS Configuration
TWILIO_ACCOUNT_SID=
TWILIO_AUTH_TOKEN=
TWILIO_PHONE_NUMBER=

# Redis Configuration (Local)
REDIS_URL=redis://localhost:6379