Usage — foltone_banking

Overview

Foltone Banking is a complete banking script for FiveM with a modern NUI interface (Blue Edition design). It provides personal accounts, society accounts, joint accounts, savings, crypto trading, credit scoring, progressive taxation, and more.

Accessing the Banking Interface

There are three ways to access the banking interface:

The interaction method depends on Config.InteractionType:

• marker — Walk into the marker and press E
• drawtext — Approach and press E when help text appears
• ox_target / qb-target / qtarget — Use the eye/target system on the PED or ATM

Dashboard

The dashboard is the main page displayed when the interface opens. It shows:

• Balance — Current checking account balance
• IBAN — Your unique account identifier (e.g., FB123456789)
• Balance Evolution Chart — Visual graph of your balance over time
• Credit Score — Score bar from 0 to 1000 with current value
• Account Level — Standard or Premium badge with upgrade option
• Deposit — Deposit cash into your account (with real-time tax preview)
• Withdraw — Withdraw money from your account (with real-time tax preview)

The tax preview updates in real-time as you type the amount, showing exactly how much tax will be applied based on the progressive brackets and your account level.

Transfers

The transfer page allows you to send money to other players.

Transfer by Server ID

1. Select the Server ID mode
2. Enter the recipient’s server ID
3. Enter the amount
4. Optionally add a label/description
5. Confirm the transfer

Transfer by IBAN

1. Select the IBAN mode
2. Enter the recipient’s IBAN (personal or joint account)
3. The system resolves the IBAN and displays the recipient’s name
4. Enter the amount
5. Optionally add a label/description
6. Confirm the transfer

Transfers support both personal IBANs and joint account IBANs. Offline transfers are possible if Config.Transfer.offlineTransfer is enabled. A real-time tax preview is displayed. The maximum transfer amount is determined by your account level.

Transaction History

The history page displays all transactions with pagination.

Available Filters

Each entry displays the type, amount, balance after transaction, date, and a badge indicating the operation type. Pagination is controlled by Config.History.perPage.

Bank Card

The card management section is available at banks only. It displays:

• Card Number — Your 16-digit virtual card number
• PIN Code — Current PIN (hidden by default)
• Card Status — Active or Blocked

Available Actions

If Config.CardSystem.useItem is enabled, the card is a physical ox_inventory item.

Society Accounts

Society (job) accounts are accessible to players with authorized grades (configured in Config.Society.defaultGrades or per-job overrides).

Access

• From the bank or ATM: a society tab appears in the sidebar if the player has the required grade
• From a society PED: opens directly to the society interface (if positions are configured)

Society Dashboard

Displays the society account balance, the job name, and the player’s grade.

Society Operations

Society operations are exempt from taxation. The balance is managed by the framework (esx_addonaccount or qb-banking).

Society History

Dedicated transaction history for the society account. Each entry shows the employee name, grade, operation type, amount, and target (for transfers/payroll).

Joint Accounts

Joint accounts allow multiple players to share a bank account. They are available at banks only (not ATMs).

Creating a Joint Account

1. Navigate to the Joint Accounts section in the sidebar
2. Click Create Joint Account
3. A new joint account is created with a unique IBAN
4. You are automatically added as the first member

Adding Members

1. Open the joint account management page
2. Enter the server ID of the player to add
3. Confirm — the player is added to the joint account

Joint Account Operations

Leaving a Joint Account

1. Open the joint account management page
2. Click Leave and confirm
3. You are removed from the account

Joint accounts are exempt from taxation, interest, and credit score changes. Each player can be part of up to maxAccountsPerPlayer joint accounts, and each account can have up to maxMembers members. The server validates membership on every operation (anti-cheat).

Classic Savings

The savings account lets you set aside money and earn interest over time.

Deposit to Savings

1. Navigate to the Savings section
2. Enter the amount to deposit
3. The money is transferred from your checking account to your savings

Withdraw from Savings

1. Enter the amount to withdraw
2. The money is transferred back to your checking account

Withdrawals are limited to maxWithdrawalsPerDay per 24-hour period (default: 1). Savings earn interest automatically via a server cron (online players only), at the rate defined in Config.Savings.interestRate, capped at Config.Savings.interestCap.

Fixed-Term Deposits

Fixed-term deposits lock a portion of your savings for a set period in exchange for a guaranteed interest rate.

Creating a Fixed-Term Deposit

1. Navigate to the Savings section
2. Choose a lock duration (e.g., 3 days, 7 days, 14 days, 30 days)
3. Enter the amount to lock (minimum: Config.Savings.minLockAmount)
4. Confirm — the money is locked and cannot be withdrawn until maturity

Progress and Claim

• A progress bar shows how far along each deposit is toward maturity
• The unlock timestamp (unlocks_at) is absolute and survives server restarts
• Once the lock period ends, click Claim to receive your capital plus earned interest

Lock Options (Default)

Crypto Trading

The crypto trading system lets players buy and sell cryptocurrencies with real market prices.

Market Page

• Displays live prices for all configured coins (updated every refreshInterval minutes)
• Buy crypto by entering a dollar amount (minimum: Config.Crypto.minTradeAmount)
• The quantity of crypto received is calculated based on the current market price
• Money is deducted from your checking account

Portfolio Page

• Displays your holdings for each cryptocurrency
• Shows Profit & Loss (P&L) in both dollars ($) and percentage (%) per coin and total
• Sell a specific quantity of a coin
• Sell All to liquidate your entire position in a coin
• Proceeds are deposited back to your checking account

Trade History

• Paginated history of all your crypto trades
• Filterable by Buy or Sell
• Each entry shows: coin, type, quantity, price per unit, total, and date

Crypto prices are fetched server-side via sv_crypto_prices.lua using the configured API (Binance, CoinCap, or CoinPaprika). The server caches prices and broadcasts updates to all connected clients. Crypto operations are exempt from taxation. Anti-double-spend protection ensures balance checks at the database level.

Credit Score System

Every player has a credit score ranging from 0 to 1000 (default starting value: 500).

How It Works

The credit score is modified by banking operations:

Effects of Credit Score

• Interest rate modulation — Higher score means better interest rates
• Account upgrade eligibility — Premium requires a minimum credit score of 700
• The score is displayed as a progress bar on the dashboard

Account Levels

There are two account levels: Standard and Premium.

Comparison

Upgrading to Premium

1. Have a credit score of at least 700
2. Have at least $50,000 available
3. Click the Upgrade button on the dashboard
4. The upgrade fee is deducted from your account

Progressive Taxation

Taxes are applied progressively on deposits, withdrawals, and transfers using configurable brackets.

Default Tax Brackets

Deposits:

Withdrawals:

Transfers:

Tax Exemptions

The following operations are exempt from taxation:

• Society account operations
• Joint account operations
• Savings account operations
• Crypto trading operations

Premium Tax Reduction

Premium account holders receive a 25% reduction on all taxes. For example, if the calculated tax is $400, a Premium player only pays $300.

Interest System

Interest is credited automatically by a server-side cron running every Config.Interest.interval minutes (default: 60).

How Interest Works

1. The cron runs at the configured interval
2. Only online players receive interest
3. The interest rate depends on the account level (Standard: 0.5%, Premium: 1.5%)
4. The rate is modulated by credit score — higher scores yield better rates
5. Interest earned is capped per reset period (Standard: $5,000, Premium: $20,000)
6. The cap resets every Config.Interest.resetPeriod minutes (default: 1440 = 24 hours)

Savings accounts have a separate interest cron with their own rate and cap.

Phone Notifications

If a compatible phone resource is installed and configured, players receive in-phone notifications for key events:

Supported phone resources: lb-phone, qs-smartphone, gksphone.

Notifications are only sent to online players. Each event type can be individually toggled in the config.

Discord Webhook

When enabled and configured with a webhook URL, all banking operations are logged to a Discord channel:

• Personal operations — Deposits, withdrawals, transfers, interest, tax, upgrades
• Society operations — Deposits, withdrawals, transfers, payroll
• Joint operations — Deposits, withdrawals, transfers, member changes
• Savings operations — Deposits, withdrawals, locks, claims
• Crypto operations — Buys, sells

Each log entry is sent as a Discord embed with the operation details, amounts, and player information. Webhooks use a fire-and-forget approach and do not block gameplay.