Points Bank architecture

School-GIT Points are fictional platform units, not money. The current bank is private per user and persisted through AETHER rather than trusting a browser counter.

mt-4 text-5xl font-black tracking-[-.05em]

mt-5 text-sm leading-7 text-slate-500

Checking, savings, liabilities, game state and the bounded transaction ledger live inside a private AETHER points-bank reference.

Games create server-side sessions. Clicker heartbeats submit bounded click counts; manual gross rewards remain 0.5 point per accepted click plus 5 every 20 accepted clicks, while passive building production is calculated from server-held building ownership and elapsed time. The configured earning tax is applied during server settlement.

Gross game earnings are split into a configured fictional earning tax and net checking deposit. These mechanics are educational and are not government taxes.

/api/bria-metered/chat preserves the two-hour daily active-use allowance. After the allowance is exhausted, paid chats cost the 12-point base fee plus the configured virtual service tax; a 100-point extension adds two hours by default, and failed paid upstream requests are refunded.

Loans have a configured due date and grace period. The configured 25% overdue fee is applied once after the grace period; it does not compound and creates no real-world debt or credit record.

Savings is a separate virtual balance with a small configured educational yield, settled on account access.

rounded-2xl border border-white/[.08] bg-white/[.025] p-5

mt-2 text-xs leading-6 text-slate-500

rounded-xl bg-white px-4 py-3 text-xs font-black text-black

rounded-xl border border-white/10 px-4 py-3 text-xs font-bold text-slate-300