# Virtual Banker — example environment (copy to .env and set values)
# Do not commit .env; use secrets in CI/production.

# Database and Redis
DATABASE_URL=postgres://user:pass@localhost:5432/virtual_banker?sslmode=disable
REDIS_URL=redis://localhost:6379
PORT=8081

# TTS: ElevenLabs (default) or Phoenix
# Leave unset to use mock TTS. Set TTS_VOICE_ID + one of the keys for real TTS.
TTS_VOICE_ID=
TTS_API_KEY=
# ELEVENLABS_API_KEY=   # alternative to TTS_API_KEY
# ELEVENLABS_VOICE_ID=  # alternative to TTS_VOICE_ID

# Phoenix / custom TTS endpoint (optional)
# TTS_BASE_URL=https://phoenix.example.com/tts/v1
# TTS_AUTH_HEADER_NAME=Authorization
# TTS_AUTH_HEADER_VALUE=Bearer your-token
# USE_PHOENIX_TTS=true
# PHOENIX_TTS_BASE_URL=https://phoenix.example.com/tts/v1