.env.example

# ============================================================
# BankBot AI — Environment Configuration
# ============================================================
# Copy this file to .env and fill in your values.
#
# FALLBACK CHAINS (no config needed for local dev):
#   AI:    OpenAI → Groq → Ollama → offline rule-based
#   DB:    PostgreSQL → SQLite (auto-fallback)
#   Cache: Redis → in-memory dict (auto-fallback)
#
# You only need ONE AI key for full functionality.
# ============================================================

# ─── Database ────────────────────────────────────────────────
# Leave blank to use SQLite (great for local dev / demo)
DATABASE_URL=postgresql://admin:adminpassword@localhost:5432/bankbot

# Force SQLite regardless of DATABASE_URL
USE_SQLITE=false

# ─── Redis Cache ─────────────────────────────────────────────
# Leave blank to use in-memory cache (auto-fallback)
REDIS_URL=redis://localhost:6379/0

# ─── AI Backends (Priority: OpenAI → Groq → Ollama → offline)
# Priority 1: OpenAI — fastest, most capable
# Get key: https://platform.openai.com/api-keys
OPENAI_API_KEY=sk-your-openai-key-here
OPENAI_MODEL=gpt-4o-mini

# Priority 2: Groq — free tier, very fast inference
# Get key: https://console.groq.com/keys
GROQ_API_KEY=gsk_your-groq-key-here

# Priority 3: Local Ollama — fully offline, no API key
# Install: https://ollama.com → then: ollama pull llama3
OLLAMA_MODEL=llama3:latest

# ─── Authentication ───────────────────────────────────────────
# IMPORTANT: Change this in production!
# Generate: python -c "import secrets; print(secrets.token_hex(32))"
JWT_SECRET_KEY=bankbot-dev-secret-change-in-production
JWT_ALGORITHM=HS256
ACCESS_TOKEN_EXPIRE_MINUTES=60

# ─── CORS ────────────────────────────────────────────────────
# JSON array of allowed frontend origins
# Production example: ["https://bankbot-ai.vercel.app"]
BACKEND_CORS_ORIGINS=["http://localhost:3000"]

# ─── Frontend ────────────────────────────────────────────────
# Backend API URL (no trailing slash)
# Production: https://bankbot-api.onrender.com
NEXT_PUBLIC_API_URL=http://localhost:8000