> For the complete documentation index, see [llms.txt](https://docs.dsyncstudios.store/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.dsyncstudios.store/products/dsync-banking.md).

# Dsync-Banking

## Dsync-Banking

**Dsync-Banking** replaces the default money flow with a complete banking system for FiveM.

It supports **QBCore**, **QBX**, and **ESX**. The active framework is detected automatically.

It adds cards, ATMs, personal and shared accounts, society treasuries, loans, savings, billing, scheduled transfers, and credit scoring. Every action is backed by a full transaction ledger.

{% hint style="success" %}
Use Dsync-Banking when you want one banking layer across player money, account management, and server-side finance workflows.
{% endhint %}

{% hint style="warning" %}
**Every amount in every export, callback, and database column is stored in cents.** `$10.00` is `1000`.

Divide by `100` before display. Multiply by `100` before sending dollar values in.
{% endhint %}

### At a glance

{% columns %}
{% column %}

#### Player banking

* Deposit, withdraw, and transfer real framework money
* Use virtual or physical bank cards with PIN protection
* Pay bills, fines, invoices, and money requests
* Schedule recurring transfers and manage beneficiaries
  {% endcolumn %}

{% column %}

#### Server finance

* Run society and shared accounts with permissions
* Offer loans with installments and missed-payment handling
* Add savings accounts with configurable interest
* Track every action through a full audit trail
  {% endcolumn %}
  {% endcolumns %}

### Core features

#### Personal banking

Players can deposit, withdraw, and transfer funds without relying on a stale mirrored balance. The system works against the framework's real money state.

#### Cards and ATMs

Cards can be virtual or item-based through `ox_inventory`. Each card supports PIN authentication, freeze and unfreeze actions, and daily spending limits.

#### Society and shared accounts

Society accounts support job and gang treasuries with grade-based permissions, allowlists, and withdrawal caps. Shared accounts let players manage pooled funds with per-member permissions.

#### Loans and savings

Loans support credit-tiered APR, automatic installment collection, bounce charges, and default handling. Savings accounts support configurable rates and compounding intervals.

#### Billing and transfers

Any resource can issue bills, fines, or invoices through exports. Players can also manage beneficiaries, payment requests, and scheduled recurring transfers.

#### Credit score and audit trail

The credit system uses a FICO-style `300–850` score that reacts to payment behavior. Audit events can be sent to **Datadog** or **Discord** with category filtering.

{% hint style="info" %}
The UI is built for everyday player use, but the system is also designed for server operators who need traceability and clean integration points.
{% endhint %}

### Start here

{% stepper %}
{% step %}

### Install and verify

Open [Getting Started](/products/dsync-banking/getting-started.md) to install the resource and complete the first-run checks.
{% endstep %}

{% step %}

### Configure behavior

Use [Configuration Reference](/products/dsync-banking/configuration-reference.md) to tune money rules, permissions, rates, and feature settings.
{% endstep %}

{% step %}

### Connect integrations

Open [Integrations](/products/dsync-banking/integrations.md) for exports, commands, events, card items, and audit logging.
{% endstep %}

{% step %}

### Troubleshoot and inspect internals

Use [Reference](/products/dsync-banking/reference.md) for the database schema, troubleshooting steps, and changelog.
{% endstep %}
{% endstepper %}

### Support

This resource is maintained under **Dsync**.

For bugs, setup issues, or feature requests, use your usual Dsync support channel.


---

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