ITDB — International Tokenized Development Bank

A consumer bank on Stellar. Built as a sibling to NEWBANK: the same engineering spine (signed sessions, OTP + login throttling, Telegram auto-login, sharded Postgres, Horizon backoff), a deliberately different product and design (MERIDIAN: navy, gold leaf, serif display, engraved line-work).

Run it

npm install
npm run dev

With no POSTGRES_URL the account database lives in data/db.json and OTP codes print to the console and the screen (dev mode). Copy .env.example to .env.local to configure Postgres, Brevo email, the Telegram bot and the admin wallet.

Where things live

Area	Path
Horizon backoff (horizonJson three-way result)	src/lib/stellar/horizon-fetch.ts
Token metadata + DEX price (SEP-1 → StellarExpert)	src/lib/stellar/horizon.ts
The three tokens	src/lib/stellar/registry.ts
Tier tables (from tiers.draft.ts)	src/lib/itdb/config.ts
Sharded Postgres / file DB	src/lib/server/db.ts
Sessions, OTP, mailer, Telegram	src/lib/server/{session,otp,mailer,telegram}.ts
FX (fiat, crypto, metals)	src/lib/server/fx.ts
Ledger credits (xlmValue guard)	src/lib/server/ledger.ts
Daily-yield accrual (the ONE anchor move)	src/lib/server/accrual.ts
Design tokens	src/app/globals.css

Engineering rules carried from NEWBANK

1. Every ledger credit sets a real xlmValue — ledger.ts throws otherwise.
2. The accrual anchor (collectedAt) moves only inside collectYield.
3. Tier eligibility comes from what the member holds, never from subtracting one funding route from another.
4. A Horizon 429 is unknown, not zero — routes return 503, the UI shows "figures unavailable".
5. Compact figures carry four significant digits and every money figure is one tap from exact.

Open decisions (see ITDB-BRIEF.md §8)

• ITDBONE_LADDER in src/lib/itdb/config.ts picks which of the two hold ranges is authoritative. Defaults to the first (higher) set.
• QRS_GOLD_BASIS picks between the 100 g-per-token rule and the tier table (which is exactly 2×). Defaults to the conservative per-token rule; the tier figure is shown alongside.