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Awoken Banking gives every player a single money you owe inbox, shown in the Bills tab of the app (and on the phone). It holds two kinds of entry, and the difference is who’s in control of paying. Everything here is in config/bills.lua.

Request

A one-off invoice a player or script raises against someone - a shop billing a repair, a landlord billing rent, a player splitting a cost. The payer can pay or decline.

Bill

A recurring or official obligation a script pushes in - utilities, subscriptions, fines. Not declinable, can carry a due date, go overdue, and recur. Always fee-free.
Both are paid from the payer’s selected account into the issuer’s account (or a sink if none was named). Turn the whole system off with Config.Bills.enabled = false.

Requests

Requests are the peer / shop billing side. Config.Bills.requests controls what players may do from the UI and the caps on it.
config/bills.lua

Bills and overdue

Bills come in through scripts (rent, utilities, fines) and can carry a due date. When that date passes the bill is marked overdue; you can optionally add a one-time late fee and dock the player’s credit score.
config/bills.lua
creditScorePenalty only does anything when Loans & credit is enabled - that’s where the score lives.

Categories

Bills are grouped and iconed in the UI by category. The set is fixed; an export may pass any of them, and anything else falls back to other.

Raising bills from your scripts

Shops, landlords, and utility scripts bill players through the bills exports. A request is declinable; a bill is not.
server-side only
React to what players do with them through the bills events - onInvoicePaid, onInvoiceDeclined, onBillPaid, onBillOverdue, and more.