Origen Banking

Description

Origen Banking

A full multi-account banking system for FiveM. Characters can hold several accounts, share them with other players under a real permission hierarchy, manage job and gang treasuries, use ATMs with cycle limits and take out loans with interest, installments, collateral, penalties and staff approval.

Every value is validated on the server. The interface only displays; the server decides.

Multi-Account System

Every character starts with a Main Account; configurable account limit per player (default 3).

Unique IBAN-style account IDs with configurable prefix and length.

New shared accounts can only be opened at branches flagged as central, so opening an account is an in-world action.

Rename, delete, convert to shared and transfer ownership, each with its own checks and confirmation.

Default account routing: external resources can charge or pay the player's primary account directly.

8 pre-configured, fully editable bank locations: Legion Square, Pillbox Hill, Del Perro, Alta Street, Paleto Bay, Vinewood Hills, Sandy Shores and Rockford Hills.

Shared Accounts and Roles

Convert any account into a shared account and grant access to other players.

Three roles: Watcher (read-only), Operator (move funds) and Manager (move funds and manage users).

Add, edit and remove users with a full confirmation flow.

Players cannot escalate their own permissions; this is enforced server-side.

The primary account is locked against destructive operations.

Job and Gang Treasuries

Job accounts are created automatically on first use, so no resource depends on someone opening the bank first.

Live job authority (bank auth / boss grade) and gang authority checks.

Police and sheriff share a single treasury by default, customizable in the custom layer.

When a player changes job or gang, their active account is re-validated instantly.

Public export API with a consistent response format, plus legacy money exports so existing scripts keep working.

ATMs

Automatic ATM prop detection with a configurable radius; no manual coordinates.

Per-account withdrawal and deposit limits per cycle with a configurable reset (default 50,000 per 20-minute cycle).

Optional access to shared accounts from the ATM, or personal accounts only.

Quick and custom amounts with live "available this cycle" feedback.

ATM and branch are separate transaction channels, so every movement can be traced by origin.

Transaction Ledger

Every movement is stored with type, counterparty, description, initiator and channel (bank or ATM).

Transaction types: deposit, withdrawal, transfer in, transfer out, payment, loan disbursement, loan installment and loan payoff.

Search and filter by type in the interface.

24-hour income and expenses panel plus a weekly movement chart.

A complete audit trail for staff when a player reports missing money.

Transfers and Contacts

Transfer between your own accounts, to another player by server ID (sent to their primary account) or to any account ID.

Optional description per transfer, saved in the ledger.

Quick Transfers contact book: add contacts manually, import your own accounts or pull them from recent transfers.

Loan System

Configurable loan types. Ships with Personal (12% interest, 6/12/24 installments) and Mortgage / Vehicle (6% interest, 24/48/96 installments, collateral required).

Automatic approval below a configurable threshold; larger requests go to a manual approval queue.

Approval permissions by job and grade (banker, grade 2 by default) or by ACE permission, with a command that opens the queue directly.

Collateral reference (vehicle plate or property ID) on the loan types you choose.

Installments with configurable frequency in days and automatic next-payment tracking.

Late payment penalty: a configurable percentage stacks per missed installment.

Default state after a configurable number of missed payments, firing a collateral event other resources can hook into.

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