Origen Banking - Advanced System

Youtube video: https://youtu.be/GkTIMcHZi5s

QBX

QBCORE

ESX

# Origen Banking — The Complete Multi-Account Banking System for FiveM

**Youtube video:**

At Origen Network we got tired of the same story: every server running a banking script that is nothing more than a number on a screen. A balance, a deposit button, a withdraw button. That is not a bank. That is a wallet with extra steps.

**Origen Banking** is a full financial system for your city. Multiple accounts per character, shared accounts with a real permission hierarchy, job and gang treasuries, ATMs with cycle limits, a complete transaction ledger, and a full loan pipeline with interest, installments, collateral, penalties, defaults and staff approval. Every single value is validated server-side. The interface simulates — the server decides. Always.

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## 🏦 Multi-Account System

Every character starts with a Main Account and can grow from there.

- **Configurable account limit** per player (default 3 accounts).

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

- **Central bank branches** — new shared accounts can only be opened at branches flagged as central, so opening an account is an in-world action, not a menu click.

- **Rename, delete, convert to shared and transfer ownership**, each one gated and confirmed.

- **Default account routing** — external resources can charge or pay the player's primary account without knowing anything about the rest.

- **8 pre-configured bank locations** out of the box (Legion Square, Pillbox Hill, Del Perro, Alta Street, Paleto Bay, Vinewood Hills, Sandy Shores, Rockford Hills), fully editable.

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## 👥 Shared Accounts with a Real Role Hierarchy

This is where a banking script stops being a wallet.

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

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

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

- **You cannot escalate your own permissions** — enforced server-side, not hidden in the interface.

- The **primary account is locked** against destructive operations, so nobody wipes their own identity account by accident.

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## 💼 Job & Gang Treasuries

Society money, handled properly and integrated with your framework.

- **Automatic job account resolution** — if a job has no account yet, it is created on first use. No resource depends on somebody opening the bank panel first.

- **Job authority check** (bank auth / boss grade) and **gang authority check**, evaluated live.

- **Police corps merge** — police and sheriff share a single treasury, fully customizable in the custom layer.

- **Live job-change hooks**: when a player changes job or gang, their active account is re-validated instantly. No stale access. No lingering treasury on the screen of somebody who was fired ten seconds ago.

- **Public export API** for external resources with a consistent response envelope, plus legacy money exports so your existing scripts keep working on day one.

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## 💳 ATM System with Cycle Limits

- **Automatic ATM prop detection** with configurable detection radius — zero manual coordinates, zero zone spam.

- **Per-account withdrawal and deposit limits per cycle**, with a configurable reset interval (default 50.000 per cycle, 20 minutes).

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

- Quick amounts, custom amounts, and live "available this cycle" feedback in the interface.

- The ATM is a **separate transaction channel** from the branch, so every movement is traceable by origin.

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## 📊 Full Transaction Ledger

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

- **Typed transactions**: deposit, withdrawal, transfer in, transfer out, payment, loan disbursement, loan installment, loan payoff.

- **Search and filtering** by type directly in the interface.

- **24h activity panel** with income and expenses, plus a **weekly movement chart**.

- Perfect audit trail for your staff. If a player claims money vanished, you have the answer — not a guess.

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## 💸 Transfers & Contacts

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

- Optional description per transfer, stored in the ledger.

- **Quick Transfers contact book** — save contacts manually, import them from your own accounts, or pull them straight from recent transfers. Rename and remove at will.

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## 🏦 Complete Loan System

Not a fake loan that just adds money. A real credit lifecycle.

- **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 under a configurable threshold**; anything above goes to a **manual approval queue**.

- **Approval permissions** by job + grade (banker, grade 2 by default) **or by ACE permission**, with a dedicated command that opens the approval queue directly.

- **Collateral reference** (vehicle plate or property ID) required on the loan types you decide.

- **Real installments** with configurable frequency in days and automatic next-payment tracking.

- **Late payment penalties** — a configurable percentage stacks per missed installment.

- **Default state** after a configurable number of misses, firing a collateral event your other resources can hook into.

- **Early payoff** with a configurable interest rebate.

- **Global rules**: max simultaneous active loans, minimum amount, and blocking new loans while the player is overdue.

- **The lending bank must actually have the funds.** Loans come out of the bank's own balance, not out of thin air. Your economy stays closed.

- Full loan statuses in the interface: active, pending, overdue, paid, rejected, defaulted.

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## 🔌 Framework & Dependency Bridges

- **ESX, QBCORE and QBX** — auto-detected at startup. You do not configure the framework. It configures itself.

- **12 notification bridges**: ox_lib, origen_notify, okokNotify, mythic_notify, brutal_notify, wasabi_notify, t-notify, r_notify, pNotify, fl-notify, lation_ui, zsxui.

- **8 TextUI bridges**: ox_lib, origen_notify, okokTextUI, jg-textui, cd_drawtextui, lab-HintUI, lation_ui, zsxui.

- **Open custom layer** — framework, inventory, notifications and job/gang access rules live in editable files outside the escrow. Your server, your rules.

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## 🗄️ Auto Schema Migrator

One of the pieces we are proudest of.

The resource reads its own database schema and **keeps your live database in sync automatically** — creates missing tables, adds missing columns, reconciles types, defaults, nullability, indexes and foreign keys. Destructive operations are **opt-in only** and off by default, and a foreign key is never forced over dirty data.

No manual imports. No "you forgot to run the update SQL" tickets. Ever.

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## 🎨 Modern Interface

- Clean, fast and reactive interface designed to feel native on any server.

- **Dashboard, Transactions, Accounts and Loans** views, plus a dedicated ATM interface.

- **Full localization** — English and Spanish included, fully extendable through locale files. Every single string, including Discord logs, goes through the locale system.

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## 📝 Discord Logging

Rich, formatted webhooks for every critical event: deposits, withdrawals, transfers, loan requests, approvals, rejections, installments, overdue notices, defaults, early payoffs and closures — with player name, source, Steam, Discord and license.

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## ⚙️ Performance & Commitment

Origen Banking follows the same obsession as every Origen release: **zero tolerance for wasted performance**. Threads run on demand, account data is cached in memory with a database fallback, client-server traffic is minimized, and every query is reviewed. The client does not decide anything — it asks, and the server answers.

And like every Origen product, we do not abandon our scripts. Origen Banking will keep receiving updates, community-driven features and compatibility with upcoming framework changes.

**ESX, QBCORE, QBX**