Banking that survives
a logout.

Overview

rde_banking is a complete account system built directly against ox_core — no ESX or QBCore compatibility bridge, no framework-agnostic abstraction layer standing between your code and the actual data. It shipped originally as an NPWD phone app; the NPWD/Module Federation frontend is gone, the money logic underneath it never changed.

What it replaces

The old NPWD-based build required a React/Webpack toolchain just to change a button. The current version is plain HTML/CSS/JS running on rde_phone's SDK — no build step, and the phone app can be edited and reloaded like any other resource file.

Quick Start

-- rde_phone must start first — the phone app registers into it
ensure ox_core
ensure ox_lib
ensure oxmysql
ensure ox_inventory
ensure rde_phone
ensure rde_banking

The phone app registers itself automatically on start via the same RegisterPhoneApp export any third-party app uses — see the rde_phone App Registry docs for the mechanism itself.

Architecture

The phone app doesn't talk to rde_banking's server through rde_phone's SDK bridge — that bridge only reaches rde_phone's own server callbacks. rde_banking's phone frontend talks directly to its own resource's client NUI callback, which relays to its own server callbacks via lib.callback. rde_phone's SDK is used only for theme, icons, and shell integration (notify/close).

RegisterNUICallback('phone:request', function(data, cb)
    local ok, result = pcall(function()
        return lib.callback.await('rde_banking:cb:phone' .. data.action, false, data.payload)
    end)
    cb(ok and result or { error = true })
end)

Tiers & Fees

Tier is calculated from lifetime transaction volume, not current balance — spending and earning both count. Higher tiers get lower transfer fees and higher daily deposit/withdraw limits.

Investments

Three risk tiers, each with a min/max investment amount, a return-rate range, and a fixed duration in hours. Investments mature automatically — no action needed to collect, the payout (or loss) posts and a phone notification fires the moment it's ready, even if the app isn't open.

Loans

Four loan amounts, each gated by a minimum credit score. Credit score starts at a baseline and improves when a loan is fully paid off. Interest accrues once, at approval — pay it down in any increment, not all at once.

Exports

Two of these exist specifically so other resources can move money without requiring the target player to be online — built for the rde_bodyguards marketplace, usable by anything.

Common Pitfalls

FAQ

Changelog