APP_NAME="Whisper Money"
APP_ENV=local
APP_KEY=
APP_DEBUG=true
APP_URL=https://whisper.money.localhost

APP_LOCALE=en
APP_FALLBACK_LOCALE=en
APP_FAKER_LOCALE=en_US

# Passport OAuth signing keys for the MCP OAuth server. Leave blank to use the
# keys generated by `php artisan passport:keys` under storage/. Set both (PEM
# contents) to share one key pair across multiple app instances.
PASSPORT_PRIVATE_KEY=
PASSPORT_PUBLIC_KEY=

APP_MAINTENANCE_DRIVER=file
# APP_MAINTENANCE_STORE=database

# PHP_CLI_SERVER_WORKERS=4

BCRYPT_ROUNDS=12

LOG_CHANNEL=stack
LOG_STACK=single
LOG_DEPRECATIONS_CHANNEL=null
LOG_LEVEL=debug

DB_CONNECTION=mysql
DB_HOST=127.0.0.1
DB_PORT=3307
DB_DATABASE=whisper_money
DB_USERNAME=root
DB_PASSWORD=

SESSION_DRIVER=database
SESSION_LIFETIME=120
SESSION_ENCRYPT=false
SESSION_PATH=/
SESSION_DOMAIN=null

BROADCAST_CONNECTION=log
FILESYSTEM_DISK=local
QUEUE_CONNECTION=database

CACHE_STORE=database
# CACHE_PREFIX=

MEMCACHED_HOST=127.0.0.1

REDIS_HOST=127.0.0.1
REDIS_PASSWORD=null
REDIS_PORT=6380

MAIL_MAILER=smtp
MAIL_HOST=127.0.0.1
MAIL_PORT=1025
MAIL_USERNAME=null
MAIL_PASSWORD=null
MAIL_FROM_ADDRESS="no-reply@whisper.money"
MAIL_FROM_NAME="Whisper Money"
MAIL_DRIP_FROM_ADDRESS="hi@whisper.money"
MAIL_DRIP_FROM_NAME="Álvaro and Víctor"
ADMIN_EMAIL=

# Resend contact sync (optional, not used for sending email)
RESEND_API_KEY=
RESEND_LEADS_SEGMENT_ID=

# Drip Emails (welcome, onboarding, promo codes, etc.)
DRIP_EMAILS_ENABLED=true

# Email Verification (disable in local to auto-verify new users)
EMAIL_VERIFICATION_ENABLED=false

# Amazon SES Email Service (set MAIL_MAILER=ses to use in production)
AWS_ACCESS_KEY_ID=
AWS_SECRET_ACCESS_KEY=
AWS_DEFAULT_REGION=us-east-1
AWS_SESSION_TOKEN=
AWS_BUCKET=
AWS_USE_PATH_STYLE_ENDPOINT=false

HIDE_AUTH_BUTTONS=false

VITE_APP_NAME="${APP_NAME}"

# PostHog Analytics
VITE_POSTHOG_ENABLED=false
VITE_POSTHOG_API_KEY=
VITE_POSTHOG_HOST=https://t.whisper.money
VITE_POSTHOG_UI_HOST=https://eu.posthog.com

# Stripe Configuration
STRIPE_KEY=
STRIPE_SECRET=
STRIPE_WEBHOOK_SECRET=

# Subscriptions
SUBSCRIPTIONS_ENABLED=false
# Run `php artisan stripe:sync-prices` to create/update Stripe prices from config.
# Override lookup keys only if you need to use different keys per environment.
STRIPE_PRO_MONTHLY_LOOKUP_KEY=whisper_pro_monthly
STRIPE_PRO_YEARLY_LOOKUP_KEY=whisper_pro_yearly

# Sentry / Bugsink Error Tracking
SENTRY_LARAVEL_DSN=
SENTRY_TRACES_SAMPLE_RATE=1.0
SENTRY_PROFILES_SAMPLE_RATE=0
SENTRY_ENABLE_LOGS=false

# Docker Service Ports (forwarded to host)
FORWARD_DB_PORT=3307
FORWARD_REDIS_PORT=6380
FORWARD_MAILHOG_PORT=1025
FORWARD_MAILHOG_DASHBOARD_PORT=8025

# Dev Mode (set to false for full Docker deployment via setup.sh)
DEV_MODE=true

# EnableBanking (Open Banking)
ENABLEBANKING_APP_ID=
ENABLEBANKING_PRIVATE_KEY_PATH=
ENABLEBANKING_REDIRECT_URL="${APP_URL}/open-banking/callback"

# Demo Account Configuration
DEMO_EMAIL=demo@whisper.money
DEMO_PASSWORD=demo
DEMO_ENCRYPTION_KEY=demo

# AI rule suggestions (powered by laravel/ai + Gemini)
GEMINI_API_KEY=
GEMINI_BASE_URL=
# Model is overridable without a deploy; defaults to a Flash-tier model.
# GEMINI_BASE_URL is optional — leave empty to use Google AI Studio
# (https://generativelanguage.googleapis.com/v1beta). Only set it for a
# proxy or Vertex AI gateway.
AI_SUGGESTIONS_MODEL=gemini-flash-latest
AI_SUGGESTIONS_MIN_GROUP_COUNT=2
AI_SUGGESTIONS_MAX_GROUPS=40
AI_SUGGESTIONS_CONFIDENCE_FLOOR=0.3
AI_SUGGESTIONS_AUTO_SELECT=0.6
AI_SUGGESTIONS_OVERBROAD_FRACTION=0.4
AI_SUGGESTIONS_MIN_TRANSACTIONS=50
AI_SUGGESTIONS_THROTTLE_DAYS=30
AI_SUGGESTIONS_CONSENT_VERSION=1

# AI Suggestions cohort report (stats:ai-cohort-report)
AI_SUGGESTIONS_REPORT_WEEKS=16
# Comma-separated staff/test emails to exclude from cohort metrics (e.g. the
# account that plants the release-anchor consent on deploy).
AI_SUGGESTIONS_REPORT_EXCLUDED_EMAILS=

# Discord webhooks
DISCORD_WEBHOOK_URL=
# Optional dedicated channel for the AI cohort report; falls back to DISCORD_WEBHOOK_URL.
DISCORD_AI_COHORT_WEBHOOK_URL=