# Environment Configuration Issues

## Missing Environment Variables

### Payment Provider Configuration Issues:
```env
# TODO: Add webhook secret keys for signature verification
PAYSTACK_WEBHOOK_SECRET=
MONNIFY_WEBHOOK_SECRET=
ANCHOR_WEBHOOK_SECRET=

# TODO: Add encryption keys for sensitive data
APP_ENCRYPTION_KEY=
TRANSACTION_ENCRYPTION_KEY=

# TODO: Add fraud detection thresholds
FRAUD_DETECTION_ENABLED=true
MAX_DAILY_TRANSACTIONS=100
MAX_TRANSACTION_AMOUNT=1000000
SUSPICIOUS_VELOCITY_THRESHOLD=10

# TODO: Add compliance and regulatory settings
CBN_COMPLIANCE_MODE=true
AML_MONITORING_ENABLED=true
KYC_EXPIRY_MONTHS=12
```

### Security Configuration Missing:
```env
# TODO: Add rate limiting configuration
API_RATE_LIMIT_PER_MINUTE=60
WEBHOOK_RATE_LIMIT_PER_MINUTE=100

# TODO: Add session security
SESSION_SECURE_COOKIE=true
SESSION_SAME_SITE=strict

# TODO: Add CORS configuration
CORS_ALLOWED_ORIGINS=
CORS_ALLOWED_METHODS=GET,POST,PUT,DELETE
```

### Database and Caching:
```env
# TODO: Add Redis configuration for caching and queues
REDIS_URL=
REDIS_CACHE_DB=1
REDIS_SESSION_DB=2
REDIS_QUEUE_DB=3

# TODO: Add database connection pooling
DB_POOL_MIN=2
DB_POOL_MAX=10
```

### Logging and Monitoring:
```env
# TODO: Add comprehensive logging configuration
LOG_SLACK_WEBHOOK_URL=
LOG_EMERGENCY_EMAIL=
SENTRY_LARAVEL_DSN=

# TODO: Add monitoring and alerting
MONITORING_ENABLED=true
HEALTH_CHECK_URL=
```

### File Storage for KYC Documents:
```env
# TODO: Add dedicated storage for sensitive documents
KYC_STORAGE_DISK=s3_kyc
KYC_ENCRYPTION_ENABLED=true
DOCUMENT_RETENTION_DAYS=2555  # 7 years for compliance
```

## Environment Validation Issues

The current .env.example has several issues:

1. **Missing validation**: No validation to ensure all required keys are set
2. **Placeholder values**: Many values are marked as "xxxxxxxxx" with no guidance
3. **Missing documentation**: No inline comments explaining each variable
4. **Security concerns**: Some values should not have defaults (like API keys)

## Recommended Additions

### Add environment validation:
```php
// TODO: Create config/validation.php to validate required environment variables
// TODO: Add artisan command to check environment completeness
// TODO: Add environment setup wizard for development
```

### Add environment-specific files:
```
.env.local          # Local development overrides
.env.testing        # Testing environment
.env.staging        # Staging environment
.env.production     # Production template (without sensitive values)
```