🐉 rde_banking

Built by Red Dragon Elite | Free Forever | No Paywalls | No Legacy

📖 Installation • ⚙️ Configuration • 🏆 Prestige Tiers • 💹 Investments • 💳 Loans • 🌍 Locales • 📡 Events & Exports • 🐛 Troubleshooting • 🌐 Website

🔥 Why This Destroys Every Other Banking Script

Every banking resource you've seen is either a paid Tebex cash-grab, still running on ESX, or a flat menu with a balance number and a transfer button. No depth. No soul.

We said no.

❌ Other Banking Scripts	✅ rde_banking
Paid, always	Free forever — RDE Black Flag
ESX / QBCore legacy	ox_core native — the future, not the past
Flat balance menu	Full custom NUI banking app with live data
No progression	5-tier Prestige system (Bronze → Black)
No investments	3 investment tiers: low risk, medium risk, high risk crypto
No credit system	Full credit score system — affects loan eligibility & rates
Static NPCs (always loaded)	Proximity-loaded peds — only exist when someone is nearby
No ATM system	Every ATM in the world targetable via ox_target prop targeting
Discord webhooks	Built for rde_nostr_log (optional, decentralized)
EN only	Full EN / DE multilanguage out of the box
Manual SQL import	Tables auto-create on first boot — zero setup

🎯 Key Features

🏦 Full Custom NUI — glassmorphism banking UI with live balance, transaction history, tier badge, credit score
🏆 Prestige Tier System — Bronze → Silver → Gold → Platinum → Black. Based on lifetime banking volume. Each tier unlocks lower fees, higher limits, better interest
💹 Investment System — 3 configurable investment types with risk/return profiles and duration timers. Returns credited automatically on maturity
💳 Loan System — credit-score-gated loans with configurable amounts, rates, and repayment windows. Pay off early, build credit
📈 Daily Interest — configurable rate, min balance, max payout, scheduled at a set server time
🧍 Proximity NPCs — bank teller peds are purely client-side and only spawn when a player enters the radius. Zero network overhead
🏧 Universal ATM Targeting — every prop_atm_01, prop_atm_02, prop_atm_03, prop_fleeca_atm in the entire map is targetable via ox_target prop model targeting. No coordinates needed
💳 Bank Card Item — ox_inventory item required for ATM access. Auto-given on account creation
📊 Transaction History — full log of deposits, withdrawals, transfers, loan payments, interest credits, investment returns
🔒 Triple-Auth Admin — ACE permission + ox_core group + Steam ID. Check order configurable
🛡️ Server-Side Authority — every transaction validated server-side. Daily limits enforced. No client exploit possible
🗃️ Auto-Migrating DB — idempotent column migrations run on every start. Safe to update without touching your DB manually
📡 StateBag Sync — player.state.bankTier published live so external resources can react to tier changes
🌍 Multilanguage — EN / DE included. Add any language in 5 minutes

📸 Screenshots

Coming soon — drop a PR with your screenshots!

📦 Dependencies

oxmysql        → https://github.com/overextended/oxmysql
ox_lib         → https://github.com/overextended/ox_lib
ox_core        → https://github.com/overextended/ox_core
ox_inventory   → https://github.com/overextended/ox_inventory
ox_target      → https://github.com/overextended/ox_target

🚀 Installation

Step 1: Clone or download

cd resources
git clone https://github.com/RedDragonElite/rde_banking.git

Step 2: Add the bank_card item to ox_inventory

Open ox_inventory/data/items.lua and add the following inside the return table (the file ITEM_DEFINITION_READ_ME.lua is included in the resource for reference):

['bank_card'] = {
    label       = 'Bank Card',
    weight      = 10,
    stack       = false,
    close       = false,
    description = 'Pacific Standard Bank debit card. Required to use ATMs.',
    client = {
        image = 'bank_card',
    },
},

Drop a bank_card.png (128×128) into ox_inventory/web/images/. Restart ox_inventory.

Step 3: Add to server.cfg

# Dependencies first — order matters!
ensure oxmysql
ensure ox_lib
ensure ox_core
ensure ox_inventory
ensure ox_target

# The bank
ensure rde_banking

Step 4: Start your server

That's it. No SQL import needed. All five tables are created automatically on first start. Walk up to any bank NPC and press E, or walk up to any ATM in the world.

⚙️ Configuration

config.lua is fully self-documented. Every block has comments. Key sections:

Core

Config.Debug           = false  -- enable console logging
Config.DefaultLanguage = 'en'   -- 'en' or 'de'
Config.MoneyItem       = 'money'

Banking Limits

Config.Banking = {
    startingBalance    = 5000,
    maxBalance         = 10000000,
    dailyWithdrawLimit = 50000,
    dailyDepositLimit  = 100000,
    transferFee        = 0.01,    -- 1% base fee (tier discount applies on top)
    minTransfer        = 1,
    maxTransfer        = 100000,
}

Interest

Config.Interest = {
    enabled     = true,
    rate        = 0.02,     -- 2% daily
    minBalance  = 1000,     -- below this: no interest
    maxInterest = 1000,     -- cap per payout
    payoutTime  = '00:00',  -- server time HH:MM for daily payout
}

ATMs

Config.ATMs = {
    enabled        = true,
    targetDistance = 1.5,
    propModels = {
        'prop_atm_01',
        'prop_atm_02',
        'prop_atm_03',
        'prop_fleeca_atm',  -- the most common ATM in the game
    },
}

ℹ️ Note: prop_atm_04 does not exist in vanilla GTA V. The config ships with the correct model list.

Bank NPC Locations

Default locations cover all 7 Fleeca/Pacific Standard branches. Admins can add/remove NPCs in-game via /bankadmin — those persist in the database and merge with config defaults at runtime.

Config.NPCs = {
    model          = 'a_m_m_business_01',
    scenario       = 'WORLD_HUMAN_CLIPBOARD',
    targetDistance = 2.5,
    spawnDistance  = 50.0,  -- proximity radius for ped load
    defaultLocations = {
        { coords = vector4(150.266, -1040.203, 29.374, 340.0), id = 'fleeca_legion'     },
        { coords = vector4(-1212.980, -330.841, 37.787,  27.0), id = 'fleeca_burton'    },
        { coords = vector4(-2962.582,  482.627, 15.703,  87.0), id = 'fleeca_great_ocean'},
        { coords = vector4(-112.202,  6469.295, 31.626, 137.0), id = 'fleeca_paleto'    },
        { coords = vector4(314.187,   -278.621, 54.170, 339.0), id = 'fleeca_hawick'    },
        { coords = vector4(1175.064,  2706.645, 38.094, 178.0), id = 'fleeca_route68'   },
        { coords = vector4(241.260,    220.857,106.286, 161.0), id = 'pacific_standard'  },
    },
}

Admin

Config.AdminSystem = {
    command       = 'bankadmin',
    acePermission = 'rde.admin',
    steamIds      = { }, -- optional hardcoded Steam IDs
    oxGroups      = {
        ['owner'] = 0, ['admin'] = 0, ['superadmin'] = 0, ['management'] = 0,
    },
    checkOrder = { 'ace', 'oxcore', 'steam' },
}

🏆 Prestige Tier System

The Prestige Tier system is rde_banking's standout feature. Every deposit, transfer, and investment adds to a player's lifetime volume. As that number grows, they climb through tiers — each one unlocking real mechanical benefits.

Tier	Lifetime Volume	Fee	Daily Limit	Interest Bonus
🟤 Bronze	$0	1.00× (full)	1.00×	1.00×
⚪ Silver	$100,000	0.80× (-20%)	1.50×	1.10×
🟡 Gold	$500,000	0.60× (-40%)	2.00×	1.25×
🔘 Platinum	$2,500,000	0.40× (-60%)	3.00×	1.50×
⬛ Black	$10,000,000	0.20× (-80%)	5.00×	2.00×

All thresholds and multipliers are configurable in Config.Tiers.

StateBag sync — current tier is always available at Player(source).state.bankTier on the server and LocalPlayer.state.bankTier on the client. Other resources can react to tier changes in real time.

💹 Investments

Three investment tiers, all configurable. Investments run on a server-side timer — when they mature, the return (or loss if risk triggers) is credited automatically and a notification is pushed to the player.

Investment	Min	Max	Return	Duration	Risk
Low Risk Stocks	$5,000	$50,000	3–8%	24h	10%
Medium Risk Stocks	$10,000	$100,000	5–15%	48h	25%
High Risk Crypto	$20,000	$250,000	10–35%	72h	45%

Risk % = chance of loss instead of gain. Add your own investment types in Config.Investments.options — each one needs id, label, returnRate, duration, and risk.

💳 Loans

Credit-score-gated loans. Players build credit by repaying loans on time. Defaulting or never taking a loan leaves credit at 0.

Amount	Interest	Duration	Required Credit
$10,000	15%	7 days	0
$25,000	12%	14 days	100
$50,000	10%	30 days	250
$100,000	8%	60 days	500

Max simultaneous loans: 2 (configurable via Config.Loans.maxLoans). Paying off a loan early adds +50 credit score. All tiers, amounts, rates, and durations are configurable in Config.Loans.

🌍 Locales

All user-facing text lives in Config.Locales inside config.lua. Switch the active language:

Config.DefaultLanguage = 'de'

Add a new language:

Copy the en block inside Config.Locales
Rename the key to your language code (e.g. fr)
Translate all values — keep the keys identical
Set Config.DefaultLanguage = 'fr'

Currently included:

Code	Language
`en`	🇬🇧 English
`de`	🇩🇪 Deutsch

🗃️ Database

Five tables. All created automatically on first boot. Safe to re-run (all IF NOT EXISTS). A install.sql file is included if you prefer to pre-provision.

Table	Purpose
`rde_bank_accounts`	Account balance, credit score, daily limits, tier, lifetime volume
`rde_bank_transactions`	Full transaction log with type, amount, timestamp, target account
`rde_bank_npcs`	Admin-created/relocated NPC locations persisted across restarts
`rde_bank_investments`	Active and matured investments per character
`rde_bank_loans`	Active and paid loans per character

Migrations run automatically — if you're upgrading from an older version, the server adds any missing columns via ALTER TABLE ... ADD COLUMN IF NOT EXISTS. No manual intervention needed.

📡 Events & Exports

Server Events (triggered from client)

-- Request or create the player's account
TriggerServerEvent('rde_banking:server:requestAccount')

-- Deposit cash from inventory
TriggerServerEvent('rde_banking:server:deposit', amount)

-- Withdraw cash to inventory
TriggerServerEvent('rde_banking:server:withdraw', amount)

-- Transfer to another account number
TriggerServerEvent('rde_banking:server:transfer', targetAccountNum, amount)

-- Place a new investment
TriggerServerEvent('rde_banking:server:createInvestment', investmentType, amount)

-- Apply for a loan
TriggerServerEvent('rde_banking:server:applyLoan', amount)

-- Make a loan payment
TriggerServerEvent('rde_banking:server:payLoan', loanId, amount)

-- Admin: create bank NPC at current position
TriggerServerEvent('rde_banking:server:createNPC', data)

-- Admin: delete bank NPC by id
TriggerServerEvent('rde_banking:server:deleteNPC', id)

-- Admin: add money to a character
TriggerServerEvent('rde_banking:server:adminAddMoney', charid, amount)

-- Admin: remove money from a character
TriggerServerEvent('rde_banking:server:adminRemoveMoney', charid, amount)

-- Admin: set a character's exact balance
TriggerServerEvent('rde_banking:server:adminSetBalance', charid, balance)

lib.callback

-- Returns true/false — is the player an admin?
lib.callback('rde_banking:cb:checkAdmin', false, function(isAdmin) end)

-- Returns the player's transaction array
lib.callback('rde_banking:cb:getTransactions', false, function(transactions) end)

-- Returns the player's active investments
lib.callback('rde_banking:cb:getInvestments', false, function(investments) end)

-- Returns the player's active loans
lib.callback('rde_banking:cb:getLoans', false, function(loans) end)

-- Admin: returns all transactions across all players
lib.callback('rde_banking:cb:getAllTransactions', false, function(transactions) end)

-- Admin: returns all accounts with player names
lib.callback('rde_banking:cb:getAllAccounts', false, function(accounts) end)

Client Exports

-- Get the full account table for the local player
exports.rde_banking:GetPlayerAccount()

-- Get the current balance (number)
exports.rde_banking:GetAccountBalance()

-- Get the current tier id string ('bronze', 'silver', etc.)
exports.rde_banking:GetPlayerTier()

-- Open the full banking NUI
exports.rde_banking:OpenBankingMenu()

-- Open ATM-restricted NUI (limited: no investments/loans)
exports.rde_banking:OpenATM()

StateBags

-- Server — current tier for any player:
Player(source).state.bankTier    -- 'bronze' | 'silver' | 'gold' | 'platinum' | 'black'

-- Client — local player's tier:
LocalPlayer.state.bankTier

-- GlobalState — all active bank NPCs (synced to all clients):
GlobalState.bankNPCs

🗂️ Folder Structure

rde_banking/
├── fxmanifest.lua              ← Resource manifest, dependencies, version
├── config.lua                  ← Full configuration (banking, tiers, investments, loans, NPCs, ATMs, locales)
├── client.lua                  ← Proximity NPC system, ATM targeting, NUI bridge, exports, admin menu
├── server.lua                  ← Account management, transactions, interest, investments, loans, admin auth, DB
├── html/
│   └── index.html              ← Full custom NUI banking application
├── install.sql                 ← Optional pre-provision SQL (auto-created on boot anyway)
└── ITEM_DEFINITION_READ_ME.lua ← bank_card item definition — paste into ox_inventory/data/items.lua

🔧 Debug

Enable with Config.Debug = true in config.lua, then watch your server console and F8 client console for [RDE Banking | ...] output.

What to check	Where
Tables not creating	Server console — `[RDE Banking
NPCs not spawning	Client F8 — `[RDE Banking] Failed to load model` or point enter/exit logs
ATM target not appearing	Confirm `ox_target` is running and started before `rde_banking`
Investment not maturing	Server console — `ProcessInvestments` runs every 60s, check for errors
Tier not updating	Check `lifetimeVolume` column in `rde_bank_accounts` and `RecalculateTier` output
NUI not opening	F8 console for `SetNuiFocus` errors, confirm `html/index.html` exists in resource

🛡️ Security

All transactions validated server-side — amount, limits, balance, credit score
Daily deposit/withdraw limits enforced per-character, reset every 24h server-side
Transfer fee calculated server-side — client cannot send a fake fee
Admin actions triple-verified: ACE → ox_core group → Steam ID (all configurable)
Investment maturity processed server-side on a timer — no client trigger for payout
Loan approval gated on credit score server-side — client cannot fake eligibility
StateBag tier sync is write-only from server — clients read, never write

🐛 Troubleshooting

Resource starts but NUI never opens

Confirm html/index.html exists in the resource folder
Check fxmanifest.lua — ui_page must point to 'html/index.html' and files must include it
F8 console — look for SetNuiFocus or SendNUIMessage errors

Bank NPC doesn't spawn when I walk up

Enable debug and watch F8 for [RDE Banking] proximity point enter/exit logs
Confirm ox_target is started and working
Check the coords in Config.NPCs.defaultLocations — they should be on a walkable surface
spawnDistance default is 50.0m — you need to be within that before the ped loads

ATM target doesn't appear

Confirm the ATM you're approaching is one of the prop models in Config.ATMs.propModels
prop_atm_04 doesn't exist in vanilla GTA — it's not in the list for this reason
Restart ox_target and rde_banking in that order
Confirm Config.ATMs.enabled = true

Deposit/withdraw fails silently

Enable debug — server console will show which validation check failed
Check dailyWithdrawLimit / dailyDepositLimit — limits reset at midnight server time
For deposits: confirm ox_inventory has the money item and Config.MoneyItem = 'money' matches

Investment never pays out

The investment processor runs every 60 seconds on the server. Check:

Server console for [RDE Banking | INVEST] output
rde_bank_investments table — confirm active = 1 and maturityDate is a valid Unix timestamp
If active = 1 and the timestamp is in the past but it hasn't fired, restart the resource

Tier not updating after large deposit

Tier is recalculated on every deposit/transfer that bumps lifetimeVolume
Check rde_bank_accounts.lifetimeVolume directly in the DB
Enable debug — RecalculateTier logs every promotion to server console

📚 Tech Stack

ox_core        → Player & character management, group auth
ox_lib         → UI (context menus, input dialogs, notifications), callbacks, points
ox_inventory   → Inventory & money item handling, bank_card item
ox_target      → NPC interaction zones, ATM prop model targeting
oxmysql        → Async database — accounts, transactions, investments, loans, NPCs
NUI (custom)   → Full glassmorphism banking app in html/index.html
StateBags      → Live tier sync to all resources via player.state.bankTier

🤝 Contributing

PRs are always welcome.

Fork the repository
Create a branch: git checkout -b feature/your-feature
Test on a live server before submitting
Commit: git commit -m 'feat: your feature description'
Push: git push origin feature/your-feature
Open a Pull Request with a clear description

Guidelines:

✅ Keep the RDE header in all files
✅ Follow existing code style — ox_core, ox_lib, StateBags, server-side authority
✅ Run luac5.4 -p on every modified .lua file before pushing
✅ Test on a live server — don't ship syntax errors
❌ No telemetry, no paywalls, no ESX/QBCore
❌ Don't weaken server-side validation
❌ Don't hardcode strings — use L('key') and add to all locale blocks

📜 License

RDE Black Flag Source License v6.66

###################################################################################
#                                                                                 #
#       .:: RED DRAGON ELITE (RDE)  -  BLACK FLAG SOURCE LICENSE v6.66 ::.        #
#                                                                                 #
#   PROJECT:    RDE_BANKING (NEXT-GEN BANKING FOR FIVEM OX_CORE)                  #
#   ARCHITECT:  .:: RDE ⧌ Shin [△ ᛋᛅᚱᛒᛅᚾᛁᛋ ᛒᛁᛞᛅ ▽] ::. | https://rd-elite.com     #
#   ORIGIN:     https://github.com/RedDragonElite                                 #
#                                                                                 #
#   WARNING: THIS CODE IS PROTECTED BY DIGITAL VOODOO AND PURE HATRED FOR LEAKERS #
#                                                                                 #
#   [ THE RULES OF THE GAME ]                                                     #
#                                                                                 #
#   1. // THE "FUCK GREED" PROTOCOL (FREE USE)                                    #
#      You are free to use, edit, and abuse this code on your server.             #
#      Learn from it. Break it. Fix it. That is the hacker way.                   #
#      Cost: 0.00€. If you paid for this, you got scammed by a rat.               #
#                                                                                 #
#   2. // THE TEBEX KILL SWITCH (COMMERCIAL SUICIDE)                              #
#      Listen closely, you parasites:                                             #
#      If I find this script on any paid store, Patreon, or "Premium Pack":       #
#      > I will DMCA your store into oblivion.                                    #
#      > I will publicly shame your community on Nostr. Permanently.              #
#      > I hope every bank transfer you ever make sends money to the wrong        #
#        account and no one notices until the audit.                              #
#      SELLING FREE WORK IS THEFT. AND I AM THE JUDGE.                            #
#                                                                                 #
#   3. // THE CREDIT OATH                                                         #
#      Keep this header. If you remove my name, you admit you have no skill.      #
#      You can add "Edited by [YourName]", but never erase the original creator.  #
#      Don't be a skid. Respect the architecture.                                 #
#                                                                                 #
#   4. // THE CURSE OF THE COPY-PASTE                                             #
#      This code implements real server-side transaction validation, proximity    #
#      NPC streaming, a full prestige tier engine, and DB auto-migration.         #
#      If you copy-paste without understanding, you WILL break something          #
#      expensive. Probably someone's balance. Don't come crying to my DMs.        #
#      RTFM.                                                                      #
#                                                                                 #
#   --------------------------------------------------------------------------    #
#   "We build the future on the graves of paid resources."                        #
#   "REJECT MODERN MEDIOCRITY. EMBRACE RDE SUPERIORITY."                          #
#   --------------------------------------------------------------------------    #
###################################################################################

TL;DR:

✅ Free forever — use it, edit it, learn from it
✅ Keep the header — credit where it's due
❌ Don't sell it — commercial use = instant DMCA + permanent Nostr shaming
❌ Don't be a skid — copy-paste without reading will eat someone's money

⚡ Related Projects

Resource	Description
rde_mechanic	Next-Gen Vehicle Mechanic & Tuner — Full preview, orbit camera, StateBag sync
rde_aipd	Ultimate AI Police System — StateBag-synced, Nostr-logged
rde_nostr_log	Decentralized FiveM logging via Nostr — replace Discord forever
awesome-ox-rde	Curated list of the best ox_core resources

🌐 Community & Support


🌍 Website	rd-elite.com
🔭 Nostr Terminal	rd-elite.com/Files/NOSTR/Terminal
🐙 GitHub	github.com/RedDragonElite
🟣 Nostr	`npub1wr4e24zn6zzjqx8kvnelfvktf0pu6l2gx4gvw06zead2eqyn23sq9tsd94`

Before opening an issue:

✅ Read this README fully
✅ Check the Troubleshooting section
✅ Enable Config.Debug = true and include server console + F8 logs
❌ Don't open issues without logs — we can't help without them

Made with 🔥 and zero tolerance for paywalled banking scripts by Red Dragon Elite

The future is ours. We are already inside.

REJECT MODERN MEDIOCRITY. EMBRACE RDE SUPERIORITY.

RDE FOREVER. SYSTEM FAILURE. ⚡777⚡

Name		Name	Last commit message	Last commit date
Latest commit History 3 Commits
html		html
ITEM_DEFINITION_READ_ME.lua		ITEM_DEFINITION_READ_ME.lua
README.md		README.md
client.lua		client.lua
config.lua		config.lua
fxmanifest.lua		fxmanifest.lua
install.sql		install.sql
server.lua		server.lua

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🐉 rde_banking

🔥 Why This Destroys Every Other Banking Script

🎯 Key Features

📸 Screenshots

📦 Dependencies

🚀 Installation

Step 1: Clone or download

Step 2: Add the bank_card item to ox_inventory

Step 3: Add to server.cfg

Step 4: Start your server

⚙️ Configuration

Core

Banking Limits

Interest

ATMs

Bank NPC Locations

Admin

🏆 Prestige Tier System

💹 Investments

💳 Loans

🌍 Locales

🗃️ Database

📡 Events & Exports

Server Events (triggered from client)

lib.callback

Client Exports

StateBags

🗂️ Folder Structure

🔧 Debug

🛡️ Security

🐛 Troubleshooting

Resource starts but NUI never opens

Bank NPC doesn't spawn when I walk up

ATM target doesn't appear

Deposit/withdraw fails silently

Investment never pays out

Tier not updating after large deposit

📚 Tech Stack

🤝 Contributing

📜 License

⚡ Related Projects

🌐 Community & Support

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