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# App
NEXT_PUBLIC_APP_URL=http://localhost:3000
# Neon Database - Get from neon.tech
DATABASE_URL="postgresql://user:password@host/database?sslmode=require"
# Privy - Get from privy.io
NEXT_PUBLIC_PRIVY_APP_ID=your-privy-app-id
PRIVY_APP_SECRET=your-privy-app-secret
# Alchemy - Get from alchemy.com (Base network)
ALCHEMY_API_KEY=your-alchemy-key
NEXT_PUBLIC_BASE_RPC_URL=https://base-mainnet.g.alchemy.com/v2/your-alchemy-key
# MoonPay - Get from dashboard.moonpay.com > Developers
NEXT_PUBLIC_MOONPAY_API_KEY=pk_test_xxxxx
MOONPAY_SECRET_KEY=sk_test_xxxxx
MOONPAY_WEBHOOK_KEY=wk_xxxxx
# Cloudinary - Direct KYC document uploads
# Used by /api/routes-d/kyc/upload-url for signed uploads
CLOUDINARY_CLOUD_NAME=your-cloud-name
CLOUDINARY_API_KEY=your-cloudinary-api-key
CLOUDINARY_API_SECRET=your-cloudinary-api-secret
# ---------- Stellar (backend/server-only) ----------
# Backend network selection for funding operations.
# Values: testnet | mainnet (alias: public)
STELLAR_NETWORK=testnet
# Funding wallet secret seed (server-only). Never commit or expose in client code/logs.
STELLAR_FUNDING_WALLET_SECRET=SXXXXXXXXXXXXXXXXXXXXXXXX
# Operational alerts recipient (server-only).
ADMIN_ALERT_EMAIL=admin@example.com
# ---------- Resend (backend/server-only) ----------
# API key for transactional and operational emails.
RESEND_API_KEY=re_xxxxx
# Default sender identity (must be verified in Resend).
# Examples:
# LancePay <onboarding@resend.dev> (development/testing)
# LancePay <notifications@lancepay.app> (production, after domain verification)
RESEND_FROM="LancePay <onboarding@resend.dev>"
# Paystack - Get from paystack.com/settings#developer
PAYSTACK_SECRET_KEY=sk_test_xxxxx
# ---------- Stellar Network (copy to .env.local) ----------
# Which Stellar network to use: "testnet" or "mainnet"
NEXT_PUBLIC_STELLAR_NETWORK=testnet
# Horizon server URL for the selected Stellar network
NEXT_PUBLIC_STELLAR_HORIZON_URL=https://horizon-testnet.stellar.org
# USDC issuer account on Stellar (public key)
NEXT_PUBLIC_USDC_ISSUER=GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN
# Token code (usually "USDC")
NEXT_PUBLIC_USDC_CODE=USDC
# ---------- Off-ramp (USDC → NGN bank transfer) ----------
OFFRAMP_API_KEY=your_offramp_api_key
OFFRAMP_API_SECRET=your_offramp_api_secret
OFFRAMP_API_URL=https://api.your-offramp-provider.com
OFFRAMP_WEBHOOK_SECRET=your_offramp_webhook_secret
# ---------- AI Settings (backend/server-only) ----------
# API key for OpenAI (used for generating invoice descriptions)
OPENAI_API_KEY=sk-proj-xxxxx
# ---------- KYC Rate Limiting ----------
# Comma-separated list of internal user IDs that bypass KYC rate limits.
# Used for admin accounts and automated testing pipelines.
# KYC_RATE_LIMIT_BYPASS_USER_IDS=id1,id2