Miles Bank – The Future of Nigerian Digital Banking (2025)

Live Backend: https://milesbank-production.up.railway.app
Root Endpoint: GET / → {"message": "Miles Bank API is LIVE"}

A complete, production-ready, full-stack digital banking backend built from scratch with Spring Boot 3 + Java 17.
Inspired by Opay, Kuda & Moniepoint — but faster, cleaner, and ready for millions of users.

This is a real bank backend.

---

Core Features

Feature	Status	Description
Registration + OTP Login	Done	Email + 6-digit OTP (real Gmail SMTP ready) → OTP printed clearly in Railway logs when SKIP_EMAIL=true (Railway blocks outbound SMTP on free tier, so we skip email in production to avoid crashes — industry-standard practice for demos & interviews)
Virtual Debit Cards (NGN & USD)	Done	Create, view, top-up from wallet
Internal Transfers	Done	Instant Miles-to-Miles
Cross-Currency Transfers	Done	NGN ↔ USD with dynamic rates
External Transfers (All Nigerian Banks)	Done	Powered by Paystack
Name Enquiry & Bank Validation	Done	219 Nigerian banks + Miles Bank internal
Bill Payments	Done	Airtime, Data, Electricity, TV (DSTV, GOtv, Startimes)
Transaction History + PDF Receipts	Done	Professional downloadable receipts (iText7)
Profile Picture Upload	Done	Cloudinary integration
Admin Panel Endpoints	Done	Full control over users, wallets, rates
Exchange Rate Management	Done	Admin sets live USD/NGN rate
JWT + Role-Based Security	Done	USER & ADMIN roles

---

Live API Endpoints (All Secured with JWT)

Auth

• POST /api/auth/register → Register user + generate 6-digit OTP
• POST /api/auth/login → Login with email + OTP
• POST /api/auth/resend-otp?email=... → Resend OTP
• POST /api/auth/logout → Invalidate token

Wallets

• POST /api/wallets/create/ngn → Create NGN wallet + set PIN
• POST /api/wallets/create/usd → Create USD wallet + set PIN
• GET /api/wallets/my → Get both NGN & USD wallets
• GET /api/wallets/balances → Current balances
• PUT /api/wallets/pin/ngn → Change NGN PIN
• PUT /api/wallets/pin/usd → Change USD PIN

Transactions

• POST /api/transactions/internal → Miles Bank → Miles Bank (instant)
• POST /api/transactions/cross-currency → NGN ↔ USD conversion
• POST /api/transactions/external → Transfer to any Nigerian bank (via Paystack)
• POST /api/transactions/verify-name → Name enquiry before transfer
• GET /api/transactions/my → My transaction history
• GET /api/transactions/rates → Current USD/NGN rates
• GET /api/transactions/admin/all → (Admin) All transactions

Virtual Cards

• POST /api/card/create/ngn → Create NGN virtual card
• POST /api/card/create/usd → Create USD virtual card
• GET /api/card/ngn → View NGN card details
• GET /api/card/usd → View USD card details
• POST /api/card/topup/miles/ngn → Fund card from wallet

Bill Payments

• POST /api/bill/pay → Pay airtime, data, TV, electricity
• GET /api/bill/data-plans/MTN → Get MTN data bundles
• GET /api/bill/tv-plans/DSTV → Get DSTV packages
• GET /api/bill/history → Bill payment history

PDF Receipts & History

• GET /api/history/all → Full transaction history
• GET /api/history/pdf/transaction/{id} → Download bank-grade PDF receipt

Users & Profile

• GET /api/users/my-profile → Get logged-in user details
• PUT /api/users/update-profile-picture → Upload photo (Cloudinary)
• GET /api/users/all → (Admin) List all users

Admin Only

• GET /api/admin/rates → View current exchange rates
• PUT /api/admin/rates → Update USD/NGN rates
• GET /api/wallets/admin/all → View all user wallets

---

Third-Party Services

Service	Purpose	Status	Notes
Paystack	External transfers & bills	Live (Test)	Switched from NuBAPI (down) → Paystack is rock-solid
Gmail SMTP	Email delivery	Optional	Disabled on Railway (SKIP_EMAIL=true)
Cloudinary	Profile picture storage	Live	Fast, secure, CDN
PostgreSQL	Production database	Live (Railway)	Auto-migration
iText7	PDF receipt generation	Done	Bank-grade receipts
Luhn Algorithm	Card number validation	Done	Industry standard
JWT + BCrypt	Authentication & password hashing with 24-hour token expiration	Done	Military-grade security (BCrypt) + JWT tokens expire automatically after 24 hours

Paystack Test Mode: Maximum 3 real transactions/day (normal behavior). Switch to live key for unlimited.

---

Tech Stack (Employer Magnet)

• Spring Boot 3.5.6 (Java 17)
• Spring Security + JWT
• Spring Data JPA + Hibernate
• PostgreSQL
• Maven
• Lombok
• Paystack SDK
• Cloudinary
• iText7 PDF
• Railway.app (Production hosting)

---

Local Development

git clone https://github.com/lukmanOye/MilesBank.git
cd MilesBank

# Required environment variables
export JWT_SECRET=your_very_long_random_secret
export PAYSTACK_SECRET_KEY=sk_test_xxxxxxxxxx
export CLOUDINARY_CLOUD_NAME=yourname
export CLOUDINARY_API_KEY=123456789
export CLOUDINARY_API_SECRET=your_secret

./mvnw spring-boot:run



### Live API Endpoints

#### Auth