POSTGRES_USER=hoafinance
POSTGRES_PASSWORD=change_me
POSTGRES_DB=hoafinance
DATABASE_URL=postgresql://hoafinance:change_me@postgres:5432/hoafinance
REDIS_URL=redis://redis:6379
JWT_SECRET=change_me_to_random_string
NODE_ENV=development

# AI Investment Advisor (OpenAI-compatible API)
AI_API_URL=https://integrate.api.nvidia.com/v1
AI_API_KEY=your_nvidia_api_key_here
AI_MODEL=qwen/qwen3.5-397b-a17b
# Set to 'true' to enable detailed AI prompt/response logging
AI_DEBUG=false

# Stripe Billing
STRIPE_SECRET_KEY=sk_test_your_stripe_secret_key
STRIPE_WEBHOOK_SECRET=whsec_your_webhook_secret

# Stripe Price IDs (Monthly)
STRIPE_STARTER_MONTHLY_PRICE_ID=price_starter_monthly
STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID=price_professional_monthly
STRIPE_ENTERPRISE_MONTHLY_PRICE_ID=price_enterprise_monthly

# Stripe Price IDs (Annual — 25% discount)
STRIPE_STARTER_ANNUAL_PRICE_ID=price_starter_annual
STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID=price_professional_annual
STRIPE_ENTERPRISE_ANNUAL_PRICE_ID=price_enterprise_annual

# Trial configuration
REQUIRE_PAYMENT_METHOD_FOR_TRIAL=false

# Email (Resend)
RESEND_API_KEY=re_your_resend_api_key

# Application
APP_URL=http://localhost
INVITE_TOKEN_SECRET=dev-invite-secret

# New Relic APM — set ENABLED=true and provide your license key to activate
NEW_RELIC_ENABLED=false
NEW_RELIC_LICENSE_KEY=your_new_relic_license_key_here
NEW_RELIC_APP_NAME=HOALedgerIQ_App