APP_NAME=Two Wheeler Scorecard API
ENVIRONMENT=local
DATABASE_URL=postgresql+psycopg://scorecard:scorecard@postgres:5432/scorecard
REDIS_URL=redis://redis:6379/0
JWT_SECRET_KEY=change-me-in-production
JWT_ALGORITHM=HS256
ACCESS_TOKEN_EXPIRE_MINUTES=60
DEFAULT_TENANT_ID=default
DEFAULT_PRODUCT_TYPE=TWO_WHEELER_LOAN
ENABLE_AUTH=false