Cooperative Banking Platform (AG Mark Nidhi Limited)

A high-performance, multi-tenant core cooperative banking system (CBS) purpose-built for credit unions, thrift cooperatives, and community banking institutions.

🌐 Live Position (as of 2026-11-06)

Deploy with one command: scripts/deploy/deploy.sh <tag> (backup, build, optional migrate, switch, health check, automatic rollback). Back up off-site with scripts/ops/pull_prod_backup.sh. Rules, recovery steps, backup schedule and the go-live checklist are in docs/PRODUCTION_RUNBOOK.md. Read it before touching production.

🏛️ Authentic Core Banking Status & Master Registry

The system has been completely cleansed and reconciled against authentic banking records (agmarkoct.rar / agmarkdb through October 28, 2026). All dummy test entries (MB-2026-..., mock plans, dummy approvals) have been permanently purged.

Authoritative Entity Ledger Counts:

• Registered Members (CIF): 6,188 authentic members (M00001–M06214)
• Pending Maker-Checker Queue: 0 (Pristine, 0 mock approvals)
• Deposit Accounts (Total): 15,434 accounts (100% parent-linked to members)
  • ↳ Daily Deposit Scheme (DDS): 8,933 accounts (₹39,57,29,350 contractual portfolio)
  • ↳ Recurring Deposits (RD): 5,259 accounts
  • ↳ Fixed Deposits (FD): 1,209 accounts
  • ↳ Monthly Income Scheme (MIS): 33 accounts
• Member Share Certificates: 6,190 allotments (₹14,12,540 capital)
• Active / Serviced Loans: 522 loan contracts
• Loan Recovery Transactions: 36,800 records
• General Ledger Vouchers: 37,937 double-entry postings
• Operating Branches: 12 canonical branches (001 to 012, strictly retaining leading zeros)
• Authentic Master Schemes: 92 plans (Permanently locked in DB via triggers)
• Authentic Staff Directory: 23 officers & executives (Permanently locked in DB via triggers)
• Raw Audit Tables: 223 tables in agmark_raw (5,148,488 records)

📦 Golden Master Production Backup Package

Authoritative, versioned production backups are preserved in backups/00_golden_production_master_20261029/:

1-Click Restore to Production:

# Full restore (Core CBS + 223 Raw Audit tables)
cd backups/00_golden_production_master_20261029
bash restore_golden_master.sh coop_banking_production

# Or fast core restore (App schema only)
bash restore_golden_master.sh coop_banking_production --core

Automated Reconciliation & Zero-Discrepancy Probe:

python3 scripts/migration/validate_reconciliation.py

📁 Clean Directory Organization

The codebase has been refactored into clean, dedicated domains:

• frontend/ — Next.js 16 (React 19) core banking portal (Admin, Teller, Members, Accounts, Loans, Accounting).
• backend/ — Laravel 11 / PHP 8.2+ core banking REST engine and double-entry accounting ledger.
• mobile/ — React Native / Expo mobile application for branch field collection agents.
• backups/ — Production archives, MSSQL dumps, and forensic audit catalogs.
  • 00_golden_production_master_20261029/ — Pristine, production-ready golden master.
  • 01_mssql_raw_backups/ — Raw MS SQL .bak archives.
  • 02_postgres_staging_and_raw/ — PostgreSQL raw import schemas.
  • 04_giant_bcp_tables_tsv/ — BCP bulk-exported transaction datasets.
• scripts/ — Automated engineering and migration utilities:
  • migration/ — Pure production import, synchronization, and reconciliation scripts.
  • pos_hardware_tools/ — Thermal POS and field-device sync listeners.
  • forensic_audits/ — Data consistency and ledger integrity checkers.
• docs/ — Architectural, financial, and regulatory documentation.

🌐 Domain & Routing Architecture

Integrated into BotDigit's Cloudflare Tunnel ecosystem:

API Proxy & Reverse Proxy

The frontend (Next.js) is configured with automatic reverse-proxy rewrites (/api/:path* -> http://127.0.0.1:41657/api/:path*). Frontend requests to /api/... on https://coopbank.botdigit.site route seamlessly to the backend with zero CORS issues.

🚀 Local Development & Startup

Option A: BotDigit Master Orchestrator (Recommended)

From /Volumes/Mac2TB/Botdigit/Developer/Infrastructure:

# Verify port allocation and active status
./infra.sh verify-ports

# Start all projects (including Cooperative Banking Web & API)
./infra.sh start projects

# Run live endpoint routing health probe
./infra.sh test

Option B: Individual Service Startup

1. Start Backend API (Port 41657)

cd backend
php artisan serve --host=127.0.0.1 --port=41657

2. Start Frontend Portal (Port 41656)

cd frontend
PORT=41656 npm run start -- -p 41656