DEV3 Coffernook – Digital Wallet Laravel Script with Ledger, Merchant QR, Agent Cash & Gemini AI Admin Tools

Coffernook is wallet software for a licensed operator, built by DEV3 Technologies on Laravel 12 and Filament 4, with one Flutter wallet app (personal and merchant mode). The demo operator, country, currency (OMK), merchants, agents and people are all fictional: Harlow Pay Services in the made-up country of Ostmark.

Read this first: Coffernook is software for a licensed wallet operator. It does not hold an e-money, payment-institution or money-transmitter licence and holds no funds. You need your own licence or a partner bank or BaaS provider, and you must safeguard customer funds as your regulator requires. All rails (card top-up, bank transfer, payouts) are simulated until you connect your partners.

No live demo: 43 web and 16 wallet-app screenshots and three video tours show the back office, the merchant and agent panels, the customer view and the app. Install it with the bundled demo data to try every role.

What the operator gets

• A double-entry ledger: every movement is a balanced journal entry, with a chart of accounts, a trial balance, a safeguarding view and a Coffer Seal that re-checks the books on demand. Demo data: about 188,000 movements and 427,000 journal lines.
• Customers and KYC tiers (T0 to T3) with limits per tier, document upload, a review checklist and a second reviewer for higher tiers. Documents are private files and every view is logged.
• Fees and FX: flat, percent and tiered fee rules with minimum and maximum, FX with a spread and a 60 second one-time quote.
• Merchants and agents: merchant QR (counter code or exact amount), payment links, refunds, settlements net of fees with maker-checker, and agents with float, cash-in and cash-out confirmed by a one-time code, plus commissions.
• Rule-based AML: 45 configurable rules in the demo (threshold, count and sum windows, rapid in-and-out, new device with an amount, watchlist name match), alerts, cases with notes and a SAR template CSV. The rules are not AI and this is not a sanctions-screening service; import your own watchlist as CSV.
• Disputes, reversals and adjustments with maker-checker, reconciliation of statement lines, reports with CSV and a REST API with webhooks for merchants.

Gemini AI admin tools

Staff get suggestion buttons where they work: an AI case summary and a suggested case note, an AI reply draft for disputes, "ask in plain words" search on the transactions list, AI checks of agent float and merchant activity, a merchant description writer, report explanations and reviewer hints in the KYC queue. Every answer is a suggestion you edit and confirm; nothing is saved or sent on its own. Names, contact details, references and account or card numbers are removed before anything leaves the server, and balances are never sent. You add your own Gemini key (GEMINI_API_KEY) after purchase and Google bills you; the demo and the tests use an offline stand-in marked "Simulated". A Google Translate switcher sits in the public header and the admin top bar, and private pages are marked so they are not sent for translation.

The wallet app (Flutter source included)

Balances per currency, send, request and split, scan to pay, top up, cash out, convert, activity and statements, limits and tier upgrade with document photos, security with PIN, biometric lock and phone management. Merchants switch mode to receive by QR or link, see takings and refund. It starts in demo mode with an in-app mock API and points at your site when you set its URL. Money maths are checked against shared test vectors and every money action asks for a PIN.

Built for correctness

Pest tests (280 passing) cover ledger invariants, limits, fees and FX against an independent oracle, agent cash, reversals, party isolation and the AI privacy rules; MySQL race tests run real parallel requests for double spends and double approvals. The app has 74 tests, a clean analyzer and builds for Android and the iOS simulator.

Good to know

• Software for a licensed operator, not a licence and not a bank. No cards issued, no crypto, no interest, no lending, no bill payments.
• KYC is document upload with manual review; no identity-verification service is included (a provider adapter interface is documented).
• Statements are print pages (save as PDF from the browser). One operator per install, not a multi-company SaaS.
• The app was verified in simulator builds, tests and against the live API, not on a real device; camera scanning, push and store publishing are your steps (guide included).

Requires PHP 8.2+ with bcmath and gmp, MySQL 8 or MariaDB 10.6+ for a live site (SQLite for evaluation) and a cron entry. Flutter 3 is needed only to build the app.