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🐺 LXR Banking — Financial Ecosystem for RedM

Version 1.3.4 · iBoss21 / LXRCore · Store · Discord Support

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Elevate your RedM economy with LXR Banking — a production-grade, server-authoritative SQL banking backbone built for serious 1899 roleplay. Players open accounts at frontier branches, move money through a full ledger, rent vault lockboxes, and optionally unlock an entire financial stack: credit scores, loans, mortgages, commodity & stock markets, insurance, treasury simulation, branch HR, vault heists, and deep integration with the LXRCore / Wolves lxr-* ecosystem.

Designed for 150+ player servers with 0.00ms client idle when the UI is closed, sharded background simulation, and a single open config.lua — no client or server edits required for normal tuning.

Lean by default: Core banking + vaults ship ON. Loans, markets, business HR, brain sim, and macro events are OFF until you flip Config.LXR.Features — scale complexity to your server, not the other way around.

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✨ Why LXR Banking?

Traditional framework bank JSON

LXR Banking

Persistence

Per-town keys in players.money

Dedicated SQL ledger + audit trail

Transfers

Limited / framework-specific

Player-to-player, fee-aware, searchable ledger

Economy depth

Deposit / withdraw only

Optional full stack (credit, loans, markets, treasury)

Integrations

Per-script hacks

Canonical TryPay hub for 40+ lxr-* scripts

Security

Client-trusted in many setups

Server-authoritative + anti-dupe + rate limits

Configuration

Scattered framework files

One Config.LXR tree

Legacy cutover

Manual SQL / risky

Safe coexist + phased rsg-banking / vorp_banking import

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🏛️ Core Banking (ON by default)

Everything below works out of the box after ensure lxr-banking — no extra feature flags required.

Accounts & wallet bridge

• Checking & savings auto-provisioned on first bank visit
• Deposit / withdraw — wallet cash ↔ SQL accounts (framework bridge auto-detects LXR, RSG, VORP, RedEM, QBR, QR)
• RSG money-as-items — true cash via dollar / cent only; excludes blood money, clips, and illegal variants
• Account customization — player nicknames + accent colors (server-clamped palette)
• Prestige tiers (optional) — Bronze → Platinum from total balance; loan approval bonuses
• Monthly maintenance fees & overdraft rules (configurable bps / flat fees)

Transfers

• Internal transfers between owned accounts
• Player-to-player transfers with optional transfer fees (transferFeeBps per account type)
• Server-enforced daily withdraw caps and max transfer amount
• Cooldowns per action type (transfer, withdraw, deposit)

Transaction ledger

• Dedicated Ledger tab with human-readable action labels
• Signed amounts (green credit / red debit)
• Detail lines — counterparty, lockbox tier, partner shop, fees
• Date display — Today / Yesterday + time
• Search filter — filter rows client-side without extra callbacks
• Full SQL history — survives restarts; feeds Discord webhooks when enabled

Branches & world presence

• 4 seeded branches — Federal Reserve (Saint Denis), Valentine National, Rhodes Commercial, Saint Denis Trust
• ox_target sphere zones at configurable coords + radius
• Map blips and banker NPCs (deferred spawn after CEF paint — no frame spike on open)
• /bank chat command when near a branch
• Per-branch cash reserve, trust rating, and role slot caps (banker, teller, loan officer, security, auditor)

PIN security

• Optional 4-digit PIN on sensitive actions (withdraw, transfer, loan pay, vault actions)
• Configurable max attempts + timed lockout
• PIN setup on Accounts tab when credit score feature is disabled

Admin panel

• Command: /lxr-banking (aliases: lxrbank, lxr_banking, bankadmin)
• ACE: lxr-banking.admin + framework admin groups + optional license/Discord allowlists
• Treasury adjust, economic event spawn, account freeze, audit log view
• Granular permission gates per admin action in config

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🔐 Vaults & Storage (ON by default — Features.VaultsEnabled)

Branch lockboxes

• Rent personal SQL stashes tied to a branch (open from bank NUI)
• 4 tiers — Portable Strongbox → Bank Vault Safe (slots + weight)
• Real capacity sync from lxr-safe SafeTypes when SyncLockboxStorageFromLxrSafe = true
• Monthly rental fees per tier; 30-day rent periods; renew from Vault tab
• Max 5 lockboxes per character (configurable)
• End Rental — player can cancel early; stash wiped, no refund, slot freed (in-bank confirm dialog — same LXR NUI chrome)
• Inventory bridge: lxr-inventory → rsg-inventory → vorp_inventory (auto)

lxr-safe shop (Vault tab)

When ensure lxr-safe and Integrations.LxrSafe.Enabled:

• Purchase placeable safe items directly from the bank
• Prices in PurchaseCatalog (typeId → $)
• Live slots + kg display from lxr-safe exports
• Treasury fee routing on purchases (configurable bps)

Vault heists (optional — OFF by default)

Separate Heist tab when robbery toggles enabled:

• Main vault robbery — multi-stage heist when branch security understaffed
• Transport robbery — cash transport between branches
• Toolkit gate — lockpick and/or dynamite required (server + NUI enforced)
• Integrates with lxr-robbery SQL backend exports (RobberyRemoveBankMoney, offline holder collection)
• Discord robbery logging when enabled

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💳 Optional Financial Stack (OFF by default — enable per Features.*)

Flip flags in Config.LXR.Features — tabs and callbacks appear automatically. SQL data is preserved when disabled.

Credit score (CreditScoreEnabled)

• Scale 300–850 (FICO-style RP)
• Bonuses for on-time payments; penalties for missed payments, bankruptcy, court judgments
• Affects loan spread (basis points added from worst credit)
• Credit tab + overview badge when enabled

Loans (LoansEnabled)

• Types: personal, business, emergency, government
• APR in basis points + credit spread
• Weekly payment intervals, grace period, delinquency tracking
• Officer approval queue for large / collateral loans
• Emergency fast-approval path under cap

Mortgages (MortgagesEnabled)

• Property types: home, ranch, commercial
• Down payment %, term months, foreclosure after missed payments
• Housing fund UI embedded in Mortgages tab (see Integrations)
• Property tax integration hooks

Investment exchange (InvestmentsEnabled)

• Commodities — gold, silver, oil, coal, lumber, wheat, cotton, livestock
• Stocks — Blackwater Mining, Lemoyne Railroad, Saint Denis Shipping, Valentine Oil Trust
• Bonds — government 5Y, mining corp 10Y
• Live price drift (sharded sim), trading fees, buy/sell from Invest tab
• Holdings persisted in SQL

Insurance (InsuranceEnabled)

• Products: life, business, cargo, livestock
• Premium intervals, coverage caps, payout multipliers
• PayInsuranceClaim export for RP loss events

Treasury & federal reserve (TreasuryEnabled)

• Federal reserve branch with starting reserves
• Min reserve ratio — branches can block withdrawals when liquidity low
• Bond issuance (optional player purchases)
• Tax deposit routing — DepositTaxRevenue export + integration events
• Emergency liquidity cap per injection event

Branch business & HR (BusinessEnabled)

• lxr-playerstore-style HR at branches
• Numeric role levels: teller → auditor → security → loan officer → banker → owner
• Job offers via ox_lib dialog; direct hire; promote / demote / fire
• Payroll from branch cash_reserve — automatic cycles or manual run
• Branch branding — custom NUI title / subtitle / logo (owner or admin)
• Employment tab in player NUI

Private banks (PrivateBanksEnabled)

• Players charter private branches — capital requirement, staff minimums
• Bankruptcy when reserve ratio collapses
• Bank-run withdrawal surge during panic regimes
• Dynamic ox_target registration for private branch coords

Live bank brain (BrainEnabled + Brain.Enabled)

• Sharded liquidity pulse — reserve reconciliation, federal injections, excess sweeps
• Savings interest accrual (APY bps + funds-rate influence)
• Inter-branch settlement simulation
• Regime detection: stable → caution → stress → panic → boom
• Overview activity feed (last N brain actions)

Macro economic events (EconomicEventsEnabled + EconomicEvents.Enabled)

20+ weighted regimes — not arcade timers; days/weeks scale:

Category

Examples

Equity

Bull market, bear market, correction, crash, merger mania, recession fears

Financial

Banking panic, liquidity crunch, flight to safety, credit tightening

Commodity

Gold discovery, oil spike/glut, drought, bumper harvest, cattle drive, cotton boom

Infrastructure

Railroad boom, railroad strike

Effects: stock/commodity multipliers, volatility, branch trust penalty, withdrawal surge pressure.

Crime & investigation (CrimeReportingEnabled)

• Suspicious deposit thresholds + laundering report chance
• Counterfeit detection hooks
• ReportSuspiciousActivity export
• Optional sheriff resource integration (lxr-police)

Estate & inheritance (EstateEnabled)

• FileWill / ProcessEstate exports
• Notarized will requirement (court override option)
• Inheritance tax to treasury

Payroll hooks (PayrollHooksEnabled)

• ProcessPayroll(batch) export for external job scripts
• Batch limit configurable

Tax integration (TaxIntegrationEnabled)

• lxr-banking:integration:tax_deposit / property_tax / property_mortgage events

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🌐 VORP Gold Banking (VORP Core only)

When vorp_core is detected and Integrations.Vorp.GoldBankEnabled:

• Separate SQL gold vault account (account_type = gold)
• Deposit — character.gold (currency type 1) → vault via removeCurrency
• Withdraw — vault → wallet via addCurrency
• Overview Gold on Hand card + gold vault on Accounts tab
• Cash economy, transfers, TryPay, and partner shops remain cash-only
• No gold transfers between players — deposit/withdraw only

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🔗 LXRCore Ecosystem Hub (Integrations['lxr-ecosystem'] — ON by default)

LXR Banking is the SQL pay backbone for the Wolves / Tebex lxr-* stack.

Canonical exports

exports['lxr-banking']:TryPay(src, amount, { partner = 'lxr-roulette', reason = 'bet' })
exports['lxr-banking']:CreditPlayer(target, amount, 'checking', 'payroll')
exports['lxr-banking']:DebitPlayer(src, amount, 'checking', 'fee')
exports['lxr-banking']:GetAccountBalance(citizenid, 'checking')

Native integrations (no patch — bank NUI or built-in)

Script

Feature

lxr-safe

Vault tab — lockboxes + buy placeable safes

lxr-balloons

Vehicles tab — balloon ownership

lxr-boats

Vehicles tab — registered boats

spooni_build_my_home

Mortgages tab housing fund + SpooniTryPay

Pay-bridge partners (one-time patch templates included)

lxr-playerstore · lxr-roulette · lxr-gambling · lxr-robbery · lxr-ranchlife · lxr-police · lxr-balloons (broker UI) · lxr-wagonmaker · lxr-telegraph · lxr-crafting · lxr-clans · and more — 40+ scripts in the ecosystem registry.

Templates ship in docs/templates/. Console prints detected partners on boot when PrintStartupSummary = true.

Robbery SQL backend

exports['lxr-banking']:RobberyGetTotalBalance(citizenid)
exports['lxr-banking']:RobberyRemoveBankMoney(citizenid, amount, reason)
exports['lxr-banking']:RobberyCollectOfflineHolders(...)

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🏠 Housing Integrations (optional — Integrations.Housing)

Multi-provider housing support — enable only what you run:

Provider

Mode

Reserve model

Spooni Build my Home

full

spooni_houses.ledger

BCC Housing

full

bcchousing.ledger

Rex Houses

full

rex_houses.credit hours

ST Housing

full

st_plots.last_tax_paid

Dodiban Housing

full

dodi_house_payments.next_payment

Spaghetti / SH / MB / VMS / VORP / RTX

pay_only or docs_only

Bridge patches documented

• HousingTryPay — wallet first, then checking
• HousingFundReserve — bank → property tax reserve
• Fund UI in Mortgages tab (requires Features.MortgagesEnabled)
• Spooni bridge patch template for in-world purchases

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🔄 Legacy Bank Replacement (rsg-banking · vorp_banking)

Safe first install — LXR auto-creates SQL tables only; legacy banks keep working until you cut over.

Phase

Behavior

Phase 1 (default)

rsg-banking / vorp_banking stay authoritative; LXR branches testable in parallel

Phase 2

Flip LegacyReplacement.RsgBanking.Enabled or VorpBanking.Enabled → one-shot balance import, optional StopResource, event shims

• Idempotent migration ledger — no double-credit on restart
• Console BANKING SAFE INSTALL guide when legacy detected
• Preview import counts before cutover
• VORP gold columns not imported — players deposit wallet gold after cutover

Full guide: included docs/LEGACY_MIGRATION.md

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🛡️ Security & Anti-Abuse

Built for live economy servers — not a client-trusted NUI toy.

Layer

What it does

Server-authoritative

All amounts validated server-side; client success flags ignored

Session tokens

Bound to source; TTL while NUI open

Proximity

Check on open + re-check on sensitive finish

Rate limits

Per-source burst + window

PIN lockout

Brute-force protection

Audit log

SQL audit on mutations

Anti-dupe (RSG)

Close external inventory on bank open; progress handshake; block money actions while inv_busy / lxrbank_inv_open; auto-close bank if inventory opens mid-session

Name guard

Resource stops if renamed (escrow protection)

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⚡ Performance

Target

Implementation

0.00ms client idle

No per-frame loops when NUI closed

Lazy bootstrap

Callbacks register on first interaction path

Sharded server sim

Fees, loans, markets, brain — split across simShardCount timers

NUI chunk stagger

~80ms between SendNUIMessage sections (CEF OOM protection)

Deferred NPC spawn

Peds spawn after CEF paints

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🎨 NUI — Canonical LXR Design System

• Vanilla HTML / CSS / JS — no React, Vue, build step, or CDN
• Parchment banner + ground inventory chrome (same system as all lxr-* scripts)
• Georgian + English locales (en canonical, ka 1:1 mirror)
• ESC closes confirm dialog first, then bank
• In-NUI confirm modal — End Rental and destructive actions use bank chrome (not OS dialogs)
• Logo: copy docs/brand/lxrcore-logo.png → html/img/lxrcore-logo.png

Player tabs (dynamic — only enabled features show)

Overview · Accounts · Transfer · Credit · Loans · Mortgages · Invest · Insurance · Vault · Heist · Vehicles · Employment · Ledger

Admin: separate panel via /lxr-banking

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🧩 Framework Support

Auto-detect order (configurable):

LXR Core · RSG Core · VORP Core · RedEM:RP · QBR Core · QR Core · Standalone

Single shared/framework.lua bridge — inventory, notifications, money, stash open. No bridge/ folder sprawl.

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📦 Requirements

Required

Recommended / Optional

ox_lib

ox_target (branch zones)

oxmysql

lxr-safe (vault shop + real lockbox specs)

Framework (see above)

lxr-balloons, lxr-boats (Vehicles tab)

lxr-robbery (heist backend patch)

Housing scripts (Spooni, BCC, Rex, …)

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🚀 Installation (5 minutes)

1. Extract as lxr-banking (folder name must match — name guard enforced).
2. Copy docs/brand/lxrcore-logo.png → html/img/lxrcore-logo.png.
3. Add to server.cfg:

ensure ox_lib
ensure oxmysql
ensure ox_target
ensure rsg-core          # or vorp_core / lxr-core
ensure rsg-banking       # optional Phase 1 — remove after legacy cutover
ensure lxr-banking
add_ace group.admin lxr-banking.admin allow

1. Open config.lua → edit Config.LXR only (branches, features, integrations).
2. Restart — SQL auto-migrates (CREATE TABLE IF NOT EXISTS).
3. Watch console for startup banner + ecosystem detection + legacy install guide.

Optional partners:

ensure lxr-safe
ensure lxr-balloons
ensure lxr-boats

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⚙️ Configuration

One file. One tree. Config.LXR.

• Features.* — master ON/OFF for every system + NUI tab
• Branches — coords, NPCs, blips, reserves, role caps
• Accounts / Loans / Markets / Vaults / … — rates, limits, catalogs
• Integrations — Vorp gold, lxr-safe, balloons, boats, housing, lxr-ecosystem registry
• Security — rate limits, PIN, anti-dupe, transfer caps
• Admin / Discord — ACE, webhooks per action type

Flat Config.* at file bottom auto-syncs — buyers never edit protected Lua.

📄 Full reference included: docs/CONFIG.md

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📁 Package Structure (lean — 51 files)

| Server | 4 files — db · banking · integrations · server (lxr-safe pattern) | | Client | 1 file | | Shared | framework.lua + helpers (open) | | NUI | Vanilla html/ — no build step | | Docs | Install, ecosystem, legacy migration, housing, VORP gold, templates |

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🔒 Escrow & Buyer-Open Files

Open (editable)

Protected (CFX Escrow)

config.lua

All server/*.lua

fxmanifest.lua

client/client.lua

shared/framework.lua

shared/rules.lua

shared/constants.lua, locale.lua, utils.lua

locales/**, sql/**, docs/**

Business logic never lives in buyer-visible files — Tebex-compliant.

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📤 Export Reference (quick)

Export

Purpose

GetAccountBalance

Balance lookup

TryPay / CreditPlayer / DebitPlayer

Ecosystem payments

ProcessPayroll

Batch job payouts

DepositTaxRevenue

External tax → treasury

HousingTryPay / SpooniTryPay

Housing purchases

RobberyRemoveBankMoney

SQL bank drains

LegacyMigrationStatus

Cutover state

GetBankBrainStatus

Brain sim status

StartVaultRobbery

Heist integration

Full list in docs/ARCHITECTURE.md

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🆘 Support & Links

Store

https://www.lxrcore.com

Discord (install + scripts)

https://discord.gg/ZHMKVYyhBa

Documentation

Included docs/README.md index

Developer

iBoss21 / LXRCore

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✅ Release checklist (Cfx.re rules)

• I have reviewed the latest version of the Release rules.
• I have included a detailed description of my work as described in the rules.
• I have included a download link or a store link.
• I have filled out the required information at the end of the topic.

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📋 Resource information

Code is accessible

Config, framework bridge, locales, SQL, docs — Yes. Server/client logic — No (Escrow).

Subscription-based

No

Lines (approximately)

12,000+ (bundled server stack + NUI + docs)

Requirements

ox_lib, oxmysql, framework (LXR/RSG/VORP/RedEM/QBR/QR). ox_target recommended.

Support

Yes — Discord + documentation

Store link

https://www.lxrcore.com

Version

1.3.4

Game

RedM (RDR3)

Lua

5.4

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© 2026 iBoss21 / LXRCore | lxrcore.com | All Rights Reserved

🐺 Built for The Land of Wolves · LXRCore RedM scripts · www.lxrcore.com