feat(banking): add configurable currency display names

Adds a Universal Currency group to Game Rules (name, symbol, singular, plural, denomination) with a CurrencyConfig reader in the banking lib that pluralizes labels and prefixes symbols; registers the game_rules migration.

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

src/collections/game/GameRules.ts

@@ -17,6 +17,54 @@ export const GameRules: GlobalConfig = {
         description:
           'The base currency ("gold standard") used by all factions to pay for goods and services.',
       },
+    {
+      label: "Universal Currency",
+      type: "collapsible",
+      admin: {
+        initCollapsed: true,
+        description:
+          "Display names used throughout the app. These do not change the accounting resource selected above.",
+      },
+      fields: [
+        {
+          name: "currencyName",
+          type: "text",
+          admin: {
+            description:
+              'General display name for the currency, e.g. "credit". Used when singular or plural names are not set.',
+          },
+        },
+        {
+          name: "currencySymbol",
+          type: "text",
+          admin: {
+            description: 'Optional symbol prefixed to amounts, e.g. "¢" or "$".',
+          },
+        },
+        {
+          name: "currencySingular",
+          type: "text",
+          admin: {
+            description: 'Singular amount label, e.g. "credit".',
+          },
+        },
+        {
+          name: "currencyPlural",
+          type: "text",
+          admin: {
+            description: 'Plural amount label, e.g. "credits".',
+          },
+        },
+        {
+          name: "currencyDenomination",
+          type: "text",
+          admin: {
+            description:
+              'Optional subunit name for future fractional displays, e.g. "cent". This does not affect stored values.',
+          },
+        },
+      ],
+    },
     },
     {
       name: "commandAssignments",

src/lib/banking/format.ts

@@ -1,18 +1,58 @@
-interface CurrencyLike {
-  name?: string | null;
-  codeName?: string | null;
+import { pluralize } from "@/lib/utils";
+
+export interface CurrencyLike {
+  readonly name?: string | null;
+  readonly codeName?: string | null;
 }
 
-export function currencyLabel(currency?: CurrencyLike | number | null): string {
+export interface CurrencyConfig {
+  readonly name?: string | null;
+  readonly symbol?: string | null;
+  readonly singular?: string | null;
+  readonly plural?: string | null;
+  readonly denomination?: string | null;
+  readonly resourceName?: string | null;
+}
+
+type CurrencyDisplay = CurrencyLike | CurrencyConfig | number | null;
+
+function isCurrencyConfig(currency: CurrencyLike | CurrencyConfig): currency is CurrencyConfig {
+  return (
+    "symbol" in currency ||
+    "singular" in currency ||
+    "plural" in currency ||
+    "denomination" in currency ||
+    "resourceName" in currency
+  );
+}
+
+export function currencyLabel(currency?: CurrencyDisplay, amount = 2): string {
   if (typeof currency === "number") return "";
   if (!currency) return "units";
-  return currency.name || currency.codeName || "units";
+  if (!isCurrencyConfig(currency)) return currency.name || currency.codeName || "units";
+
+  const configuredName = currency.name?.trim();
+  const singular =
+    currency.singular?.trim() || configuredName || currency.resourceName?.trim() || "unit";
+  if (amount === 1) return singular;
+  return (
+    currency.plural?.trim() ||
+    (currency.singular?.trim() || configuredName
+      ? pluralize(amount, currency.singular?.trim() || configuredName || singular)
+      : currency.resourceName?.trim()) ||
+    "units"
+  );
 }
 
-export function formatAmount(amount: number, currency?: CurrencyLike | number | null): string {
+export function formatAmount(amount: number, currency?: CurrencyDisplay): string {
   const n = amount.toLocaleString();
-  const label = currencyLabel(currency);
-  return label ? `${n} ${label}` : n;
+  const label = currencyLabel(currency, amount);
+  const symbol =
+    currency && typeof currency === "object" && isCurrencyConfig(currency)
+      ? currency.symbol?.trim()
+      : undefined;
+  const formatted = symbol ? `${symbol}${n}` : n;
+  return label ? `${formatted} ${label}` : formatted;
 }
 
 export function formatDate(date: string | Date): string {

src/lib/banking/index.ts

@@ -1,16 +1,11 @@
 import type { PayloadRequest } from "payload";
-import type { BankAccount, BankTransaction } from "@/payload-types";
+import type { BankAccount, BankTransaction, GameRule } from "@/payload-types";
+import { currencyLabel, type CurrencyConfig } from "./format";
 
 export type BankAccountType = "treasury" | "faction" | "personal";
 
 export type BankTransactionType =
-  | "deposit"
-  | "withdrawal"
-  | "transfer"
-  | "payment"
-  | "fee"
-  | "salary"
-  | "adjustment";
+  "deposit" | "withdrawal" | "transfer" | "payment" | "fee" | "salary" | "adjustment";
 
 export interface ApplyTransactionInput {
   type: BankTransactionType;
@@ -47,17 +42,46 @@ export async function getMainCurrencyId(payload: PayloadType): Promise<number |
 }
 
 export async function getMainCurrencyName(payload: PayloadType): Promise<string | null> {
-  const currencyId = await getMainCurrencyId(payload);
-  if (!currencyId) return null;
   try {
-    const resource = (await payload.findByID({
-      collection: "resources",
-      id: currencyId,
+    return currencyLabel(await getCurrencyConfig(payload));
+  } catch {
+    return null;
+  }
+}
+
+export function currencyConfigFromGameRules(rules: GameRule): CurrencyConfig {
+  const resource = typeof rules.mainCurrency === "object" ? rules.mainCurrency : null;
+
+  return {
+    name: rules.currencyName?.trim() || null,
+    symbol: rules.currencySymbol?.trim() || null,
+    singular: rules.currencySingular?.trim() || null,
+    plural: rules.currencyPlural?.trim() || null,
+    denomination: rules.currencyDenomination?.trim() || null,
+    resourceName: resource?.name || resource?.codeName || null,
+  };
+}
+
+export async function getCurrencyConfig(payload: PayloadType): Promise<CurrencyConfig> {
+  const rules = await payload.findGlobal({
+    slug: "game-rules",
+    depth: 1,
+    overrideAccess: true,
+  });
+  return currencyConfigFromGameRules(rules);
+}
+
+/** Resolve the id of the open unit treasury account, if any. */
+export async function getTreasuryAccountId(payload: PayloadType): Promise<number | null> {
+  try {
+    const result = (await payload.find({
+      collection: "bank-accounts",
+      where: { and: [{ accountType: { equals: "treasury" } }, { status: { equals: "open" } }] },
+      limit: 1,
       depth: 0,
       overrideAccess: true,
-    })) as unknown as { name?: string | null; codeName?: string | null } | null;
-    if (!resource) return null;
-    return resource.name || resource.codeName || null;
+    })) as unknown as { docs: { id: number }[] };
+    return result.docs[0]?.id ?? null;
   } catch {
     return null;
   }

src/migrations/20260906_045502.ts

@@ -0,0 +1,19 @@
+import { MigrateUpArgs, MigrateDownArgs, sql } from "@payloadcms/db-postgres";
+
+export async function up({ db }: MigrateUpArgs): Promise<void> {
+  await db.execute(sql`
+   ALTER TABLE "game_rules" ADD COLUMN "currency_name" varchar;
+  ALTER TABLE "game_rules" ADD COLUMN "currency_symbol" varchar;
+  ALTER TABLE "game_rules" ADD COLUMN "currency_singular" varchar;
+  ALTER TABLE "game_rules" ADD COLUMN "currency_plural" varchar;
+  ALTER TABLE "game_rules" ADD COLUMN "currency_denomination" varchar;`);
+}
+
+export async function down({ db }: MigrateDownArgs): Promise<void> {
+  await db.execute(sql`
+   ALTER TABLE "game_rules" DROP COLUMN "currency_name";
+  ALTER TABLE "game_rules" DROP COLUMN "currency_symbol";
+  ALTER TABLE "game_rules" DROP COLUMN "currency_singular";
+  ALTER TABLE "game_rules" DROP COLUMN "currency_plural";
+  ALTER TABLE "game_rules" DROP COLUMN "currency_denomination";`);
+}

src/migrations/index.ts

@@ -22,6 +22,7 @@ import * as migration_20260903_060000_add_radio_mode_stats from './20260903_0600
 import * as migration_20260903_061000_add_radio_incorrect_counts from './20260903_061000_add_radio_incorrect_counts';
 import * as migration_20260903_062000_add_aim_trainer_stats from './20260903_062000_add_aim_trainer_stats';
 import * as migration_20260904_230838_add_wiki_collections from './20260904_230838_add_wiki_collections';
+import * as migration_20260906_045502 from './20260906_045502';
 
 export const migrations = [
   {
@@ -142,6 +143,11 @@ export const migrations = [
   {
     up: migration_20260904_230838_add_wiki_collections.up,
     down: migration_20260904_230838_add_wiki_collections.down,
-    name: '20260904_230838_add_wiki_collections'
+    name: '20260904_230838_add_wiki_collections',
+  },
+  {
+    up: migration_20260906_045502.up,
+    down: migration_20260906_045502.down,
+    name: '20260906_045502',
   },
 ];