URNOVA Banking — Documentation

1. Overview

URNOVA Banking is a secure, modular PHP/MySQL retail & commercial digital banking platform with a full admin control room and a modern user portal. It is root-agnostic (works on domain root, subdomain, or subdirectory) and ships with a GUI installer that creates the database schema automatically.

2. Requirements

PHP 8.0+ (8.1/8.2 recommended)
MySQL 5.7+ / MariaDB 10.3+ (InnoDB)
Extensions: pdo_mysql, openssl, mbstring, json, fileinfo
Apache with mod_rewrite / mod_headers (cPanel standard) or nginx (see nginx.example.conf)
Writable folders: config/, storage/, assets/uploads/

3. Installation (GUI)

Upload and extract the package into your domain, addon domain, or subdirectory document root.
In cPanel → MySQL, create a database and user (or let the installer create the DB if your user has privilege).
Visit https://yourdomain.com/install/ (or /your-subdir/install/).
Complete: Requirements → Database & Admin → Done.
Delete or rename the install/ folder after a successful install.

The installer writes config/env.php and storage/installed.lock, imports sql/schema.sql + feature upgrades, and creates your Super Admin. Never upload a filled env.php from another server.

Demo seed users (if present) use password password. Change them immediately. Your installer admin uses the password you set.

4. Default URLs

Area	Path
Public site	`/`
User portal	`/user/`
Sign in / Register	`/user/login.php` · `/user/register.php`
Admin control room	`/admin/`
Documentation	`/documentation/`

5. Admin features

Standard dashboard & transaction audit overview
User management (freeze / unfreeze / close / KYC status)
Smart KYC reviews + dynamic KYC form field builder
Loan, DPS, and FDR plan engines + account management
Deposit & withdrawal queues + withdrawal method fees
Interbank transfer & wire transfer management
Money request overview
Referral commission management
Support ticket inbox
Blog & categories, menu builder, home sections, pages, banners
Logo, favicon, brand colors, fonts, breadcrumbs
Email templates, SMTP, group/direct messaging
Currency matrix & payment gateway settings
Roles / ACL & staff accounts
Languages & UI strings, module toggles
Google Analytics, meta keywords, social links, sitemap generator
Subscribers list & clear cache
Admin profile & password

6. User portal features

Banking dashboard (available / pending / frozen + savings progress)
Beneficiaries, internal transfer, interbank, advanced wire (FX)
Request money (P2P invoices)
Deposit (proof upload) & withdrawal with tier/method fees
Loan apply / installments, DPS & FDR open / pay / maturity
Transaction ledger, referrals, support tickets
KYC submission, profile & password, TOTP two-factor authentication

7. Security

PDO prepared statements (no raw concatenated SQL for user input)
CSRF tokens on POST forms
Password hashing (Argon2id when available, else Bcrypt)
Session IP binding + inactivity timeout
Optional TOTP 2FA
Upload MIME allow-list; PHP execution blocked in uploads
Sensitive paths blocked via .htaccess (config, sql, storage, includes)
Security headers (X-Frame-Options, nosniff, Referrer-Policy)

8. Folder structure

urnova-banking/
  admin/           Admin control room
  user/            Customer portal
  install/         GUI installer (remove after setup)
  includes/        Core engine (PDO, Auth, Banking, Totp…)
  sql/             schema.sql + upgrades
  config/          env.php written by installer
  storage/         sessions, cache, lock file
  assets/          css, js, img, uploads
  documentation/   This guide
  nginx.example.conf
  INSTALL.txt

9. cPanel tips

For an addon domain, extract so index.php sits in that domain’s document root.
For a subdirectory install (e.g. public_html/urnova/), open /urnova/install/ — paths resolve automatically.
Set PHP to 8.1+ in MultiPHP Manager.
After install, delete install/ and keep config/env.php private.

10. Changelog

See changelog.txt in the package root.

11. Support

For CodeCanyon item support, include your purchase code, hosting type (cPanel/VPS), PHP version, and a screenshot of any error.

Author: Fournovate