customers

Customers

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Configuration

The following environment variables can be set to configure behavior in Customers.

Environment Variable	Description	Default
HTTPS_CERT_FILE	Filepath containing a certificate (or intermediate chain) to be served by the HTTP server. Requires all traffic to be served over a secure HTTP connection.	Empty
HTTPS_KEY_FILE	Filepath of a private key matching the leaf certificate from HTTPS_CERT_FILE.	Empty
DATABASE_TYPE	Which database to use (Options: sqlite, mysql)	sqlite
PREVENT_INSECURE_STARTUP	Configures application to fail to start if security-specific configuration variables are missing.	false

Fed

The Moov Fed service is used for routing number lookup and verification.

Environment Variable	Description	Default
FED_ENDPOINT	HTTP address for Moov Fed interaction to lookup ABA routing numbers.	http://fed.apps.svc.cluster.local:8080
FED_DEBUG_CALLS	Print debugging information with all Fed API calls.	false

PayGate

The Moov PayGate service is used to initiate micro-deposits for account validation.

Environment Variable	Description	Default
PAYGATE_ENDPOINT	HTTP address for Moov PayGate interactions.	http://paygate.apps.svc.cluster.local:8080
PAYGATE_DEBUG_CALLS	Print debugging information with all PayGate API calls.	false

Watchman

The Moov Watchman service is used for OFAC and other sanctions list searching and compliance.

Environment Variable	Description	Default
OFAC_MATCH_THRESHOLD	Percent match against OFAC data that’s required for PayGate to block a transaction.	99%
WATCHMAN_ENDPOINT	HTTP address for OFAC interaction, defaults to Kubernetes inside clusters and local dev otherwise.	Kubernetes DNS
WATCHMAN_DEBUG_CALLS	Print debugging information with all Watchman API calls.	false

Account Numbers

Customers has an endpoint which encrypts an account number for transit to another service. This encryption is done using a symmetric key from the other service.

• TRANSIT_LOCAL_BASE64_KEY: A URI used to temporarily encrypt account numbers for transit over the network. This value needs to look like base64key://$VALUE where $VALUE is a base64-encoded, 32-byte, random key. Clients who call endpoints with encrypted account numbers need this key to perform decryption.
  • Generate this key by running ./cmd/genkey/ and copying the value in base64key://$VALUE
• APP_SALT: Salt used for hashing. The salt should be a private, random string.

Account Validation

Following parameters should be set through the environment to configure the account validation strategy with Plaid or Atrium:

Plaid

• PLAID_CLIENT_ID: Client ID
• PLAID_SECRET: API secret (depends on the environent)

• PLAID_ENVIRONMENT: Plaid environment (Options: sandbox, development, or production

  Default: sandbox)

• PLAID_CLIENT_NAME: The app name that should be displayed in the link

See Plaid’s documentation for more information.

MX Atrium

• ATRIUM_CLIENT_ID: Client ID
• ATRIUM_API_KEY: API Key

See MX Atrium’s documenation for more information.

Database

Based on DATABASE_TYPE, the following environment variables will be used to configure connections for a specific database.

MySQL

• MYSQL_ADDRESS: TCP address for connecting to the mysql server. (Example: tcp(hostname:3306))
• MYSQL_USER: Username used for authentication,
• MYSQL_PASSWORD: Password of user account for authentication.
• MYSQL_DATABASE: Name of database to connect to.

Refer to the mysql driver documentation for more information on connection parameters.

• MYSQL_TIMEOUT: Timeout parameter specified on (DSN) data source name. (Default: 30s)

SQLite

• SQLITE_DB_PATH: Local filepath location for the customers SQLite database. (Default: customers.db)

Refer to the sqlite driver documentation for more information on connection parameters.

Persistent Storage

The following environment variables control which service is initialized for persistent storage. These all follow a similar blob storage API provided by a library that Google built and maintains.

• DOCUMENTS_STORAGE_PROVIDER: Determines which service is used for document persistence. (Default: local filesystem storage

• DOCUMENTS_BUCKET_NAME: The name of the bucket in document storage endpoints. (Examples: ./storage/ for file-type backends or moov-customers-storage for cloud storage

  Default: ./storage)

  • If using a cloud provider, these buckets must be created outside of Customers. Make sure proper access and encryption controls are setup on this bucket to prevent exposure or unauthorized access.

AWS S3 Storage (aws)

For more information see the Go Cloud Development Kit docs for s3blob. The following environment variables are used to configure AWS S3 storage:

• AWS_REGION: Amazon region name of where the bucket exists.
• AWS_ACCESS_KEY_ID and AWS_SECRET_ACCESS_KEY: Standard AWS access credentials used by applications.

Google Cloud Storage (gcp)

For more information see the Go Cloud Development Kit docs for gcsblob. Google’s auth uses the standard service account authorization when deploying services. The following environment variables are used to configure GCP storage:

• GOOGLE_APPLICATION_CREDENTIALS: A filepath to the GCP service account json file.

Local Filesystem Storage (file)

For more information see the Go Cloud Development Kit docs for fileblob. This is the default if no provider is specified. The following environment variables are used to configure local storage:

• FILEBLOB_BASE_URL: A filepath for storage on local disk. (Default: ./storage/)
• FILEBLOB_HMAC_SECRET: HMAC secret value used to sign URLs. You MUST change this for production usage! (Default: secret)

Secrets (key management) Providers

The following environment variables control which service is utilized for secret key management. These all follow a similar key management API provided by a library that Google built and maintains.

• DOCUMENTS_SECRET_PROVIDER: Determines which environment variables are used to initialize persistant document storage. Defaults to local (see local filesystem).
• SSN_SECRET_PROVIDER: Determines which environment variables are used to initialize SSN storage persistence. Defaults to local (see local filesystem).
  • SSN_SECRET_KEY: Holds the documents encryption/decryption key if the documents secret provider is local.

Local Filesystem (local)

The local secrets keeper (see GoCloud Dev Kit - Secrets) uses a 32-byte, base64-encoded encryption/decryption key. This value must be in the form base64key://$VALUE where $VAlUE is encryption/decryption key.

This repository provides a script for generating properly formatted local keys (see ./cmd/genkey). New keys can be generated by running go run ./cmd/genkey

• TRANSIT_LOCAL_BASE64_KEY: The secret key to encrypt account numbers for storage in the database.
• DOCUMENTS_SECRET_KEY: The encryption/decryption key used for document storage and retrieval if the documents secret provider is local.
• SSN_SECRET_KEY: The encryption/decryption key used for customer SSN storage and retrieval if the SSN secret provider is local.

Google Cloud Storage (gcp)

This secrets provider uses the Google Cloud Key Management Service (KMS). Secret Keys are identified by a GCP Resource ID in the form projects/project-id/locations/location/keyRings/keyring/cryptoKeys/key and their documentation has more details.

• SECRETS_GCP_KEY_RESOURCE_ID: A Google Cloud resource ID used to interact with their Key Management Service (KMS).

HashiCorp Vault Storage (vault)

• VAULT_SERVER_TOKEN: A Vault generated value used to authenticate. See the HashiCorp Vault documentation for more details.
• VAULT_SERVER_URL: A URL for accessing the vault instance. In production environments this should be an HTTPS (TLS) secured connection.

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