.env.example

# App
NEXT_PUBLIC_APP_URL=http://localhost:3000

# Neon Database
DATABASE_URL="postgresql://user:password@host/database?sslmode=require"

# Privy
NEXT_PUBLIC_PRIVY_APP_ID=your-privy-app-id
PRIVY_APP_SECRET=your-privy-app-secret

# Alchemy (Base)
ALCHEMY_API_KEY=your-alchemy-key
NEXT_PUBLIC_BASE_RPC_URL=https://base-mainnet.g.alchemy.com/v2/your-alchemy-key

# MoonPay
NEXT_PUBLIC_MOONPAY_API_KEY=pk_test_xxxxx
MOONPAY_SECRET_KEY=sk_test_xxxxx
MOONPAY_WEBHOOK_KEY=wk_xxxxx

# Cloudinary (KYC 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) ----------
STELLAR_NETWORK=testnet
STELLAR_FUNDING_WALLET_SECRET=SXXXXXXXXXXXXXXXXXXXXXXXX
ADMIN_ALERT_EMAIL=admin@example.com

# ---------- Resend ----------
RESEND_API_KEY=re_xxxxx
RESEND_FROM="LancePay <onboarding@resend.dev>"

# Paystack
PAYSTACK_SECRET_KEY=sk_test_xxxxx

# ---------- Stellar (frontend) ----------
NEXT_PUBLIC_STELLAR_NETWORK=testnet
NEXT_PUBLIC_STELLAR_HORIZON_URL=https://horizon-testnet.stellar.org
NEXT_PUBLIC_USDC_ISSUER=GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN
NEXT_PUBLIC_USDC_CODE=USDC

# ---------- Custom Off-ramp ----------
OFFRAMP_API_KEY=your_offramp_api_key
OFFRAMP_API_SECRET=your_offramp_api_secret
OFFRAMP_API_URL=https://api.customofframp.com/v1
OFFRAMP_WEBHOOK_SECRET=your_offramp_webhook_secret

# ---------- Payment Advance ----------
TREASURY_WALLET_ADDRESS=GXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

MAX_ADVANCE_PERCENTAGE=50
ADVANCE_FEE_PERCENTAGE=2
MAX_OUTSTANDING_ADVANCES=5000
MIN_COMPLETED_INVOICES=3
MIN_ACCOUNT_AGE_DAYS=7
MIN_TOTAL_EARNED=100

# ---------- Badge System ----------
BADGE_ISSUER_SECRET_KEY=SXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

# ---------- External APIs ----------
COINGECKO_API_URL="https://api.coingecko.com/api/v3"
OPENAI_API_KEY=sk-proj-xxxxx

# ---------- KYC Rate Limiting ----------
# KYC_RATE_LIMIT_BYPASS_USER_IDS=id1,id2