# Overview

## System Overview

![billing](https://github.com/user-attachments/assets/24c0386e-fabd-449d-a3bd-ba6e9a81a20f)

`src-bank` is a comprehensive and modular banking/economy management system designed for FiveM servers. It introduces a deep economy structure with features such as credit scores, ATM ownership, and advanced interest configurations.

### 💳 Advanced Credit and Interest System

* **Credit Score:** A dynamically updated score based on the player's loan repayment history. Different credit limits can be set depending on specific professions or score tiers.
* **Installment Options:** Automatically adjusting interest rates based on the chosen maturity (e.g., 4, 6, 8, 10, or 12 installments).
* **Overdue & Blacklist:** Late payment penalties are applied to unpaid loans. Consecutive missed installments trigger the Blacklist, blocking access to bank withdrawals.

### 🏧 ATM Ownership and Taxation

* Players can purchase and sell available or admin-placed ATMs (`Config.AllowAtmSelling`).
* ATM owners can set custom percentage fees for every transaction made on their ATM.
* The system can automatically deduct fees for unowned ATMs depending on the configuration.

### ⚙️ Technical Infrastructure

* **Framework Support:** QBox (`qbx_core`), QBCore (`qb-core`), and ESX (`es_extended`).
* **Interaction Standards:** Supports `target` (ox\_target, qb-target), `text` (drawtext), or both simultaneously (`Config.Interaction`).
* **Dynamic Model Swapper:** An integrated swap architecture that can instantly replace old or problematic ATM prop models around the map with new, standardized models.