feat: wire live Fineract M1 to Central Bank UI and Office 24 journal seed

Add a read-only money-supply endpoint for Office 24 dashboards, pass Fineract env through deploy scripts, and provide a seed script for the opening Dr 1410 / Cr 2100 journal.

Co-authored-by: Cursor <cursoragent@cursor.com>

frontend-dapp/src/features/central-bank/CentralBankDashboard.tsx

@@ -1,6 +1,7 @@
 import { useCentralBank } from './useCentralBank';
 import ChainMatrixPanel from './ChainMatrixPanel';
 import { SETTLEMENT_MIDDLEWARE_URL, DBIS_EXCHANGE_URL } from '../../config/dex';
+import { formatUsd } from '../../utils/formatMoney';
 
 function StatCard({
   label,
@@ -58,19 +59,19 @@ export default function CentralBankDashboard() {
       <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-4 mb-8">
         <StatCard
           label="M0 Reserve (GL 1050)"
-          value={cb.moneySupply?.M0?.gl1050 ?? '—'}
+          value={formatUsd(cb.moneySupply?.M0?.gl1050)}
           sub={`Backing ${cb.moneySupply?.M0?.backingRatio ?? 1.2}×`}
           accent="blue"
         />
         <StatCard
           label="M1 Circulating (GL 2100)"
-          value={cb.moneySupply?.M1?.circulating ?? '—'}
+          value={formatUsd(cb.moneySupply?.M1?.circulating)}
           sub="Narrow money · eMoney"
           accent="green"
         />
         <StatCard
           label="M2 Broad (GL 2200)"
-          value={cb.moneySupply?.M2?.broadMoney ?? '—'}
+          value={formatUsd(cb.moneySupply?.M2?.broadMoney)}
           sub="Token load source"
           accent="gold"
         />
@@ -82,10 +83,27 @@ export default function CentralBankDashboard() {
         />
       </div>
 
+      {cb.moneySupply?.fineractLive === false && (
+        <p className="text-xs text-[#f6465d] mb-6">
+          Fineract GL balances unavailable — check OMNL_FINERACT_* on settlement middleware and seed
+          Office 24 opening journal (Dr 1410 / Cr 2100).
+        </p>
+      )}
+
+      {cb.moneySupply?.asOf && (
+        <p className="text-xs text-[#848e9c] mb-6">
+          Live Fineract · Office {cb.moneySupply.officeId ?? 24} · as of{' '}
+          {cb.moneySupply.asOf.slice(0, 19).replace('T', ' ')} UTC
+          {cb.moneySupply.interoffice?.dueFromHeadOffice
+            ? ` · Due from HO (GL 1410): ${formatUsd(cb.moneySupply.interoffice.dueFromHeadOffice)}`
+            : ''}
+        </p>
+      )}
+
       {!cb.moneySupply && (
         <p className="text-xs text-[#848e9c] mb-6">
-          Set <code className="text-[#f0b90b]">VITE_OMNL_API_KEY</code> in .env.local to load live M0/M1/M2
-          balances from Fineract.
+          Money supply loads from{' '}
+          <code className="text-[#f0b90b]">/money-supply/public</code> when online bank mode is enabled.
         </p>
       )}
 

frontend-dapp/src/features/central-bank/useCentralBank.ts

@@ -4,11 +4,26 @@ import { DBIS_EXCHANGE_URL, SETTLEMENT_MIDDLEWARE_URL } from '../../config/dex';
 export type MoneySupply = {
   asOf?: string;
   officeId?: number;
+  fineractLive?: boolean;
+  interoffice?: { dueFromHeadOffice?: string; gl1410?: string };
   M0?: { gl1050?: string; backingRatio?: number };
   M1?: { circulating?: string; gl2100?: string };
   M2?: { broadMoney?: string; gl2200?: string; metaFiatPending?: string };
 };
 
+async function loadMoneySupply(settlement: string): Promise<MoneySupply | null> {
+  const publicRes = await fetch(`${settlement}/api/v1/settlement/money-supply/public`);
+  if (publicRes.ok) return publicRes.json();
+
+  const apiKey = import.meta.env.VITE_OMNL_API_KEY;
+  if (!apiKey) return null;
+
+  const authRes = await fetch(`${settlement}/api/v1/settlement/money-supply`, {
+    headers: { Authorization: `Bearer ${apiKey}` },
+  });
+  return authRes.ok ? authRes.json() : null;
+}
+
 export function useCentralBank() {
   const [health, setHealth] = useState<Record<string, unknown> | null>(null);
   const [office, setOffice] = useState<Record<string, unknown> | null>(null);
@@ -25,24 +40,18 @@ export function useCentralBank() {
     setLoading(true);
     setError(null);
     try {
-      const [h, o, m2, mon] = await Promise.all([
+      const [h, o, m2, mon, ms] = await Promise.all([
         fetch(`${settlement}/api/v1/settlement/health`).then((r) => r.json()),
         fetch(`${settlement}/api/v1/settlement/office`).then((r) => r.json()),
         fetch(`${settlement}/api/v1/settlement/tokens/m2`).then((r) => r.json()),
         fetch(`${exchange}/api/v1/exchange/swap/monitor?limit=10`).then((r) => r.json()),
+        loadMoneySupply(settlement),
       ]);
       setHealth(h);
       setOffice(o);
       setTokenCount(Array.isArray(m2.tokens) ? m2.tokens.length : 0);
       setMonitor(mon);
-
-      const apiKey = import.meta.env.VITE_OMNL_API_KEY;
-      if (apiKey) {
-        const ms = await fetch(`${settlement}/api/v1/settlement/money-supply`, {
-          headers: { Authorization: `Bearer ${apiKey}` },
-        });
-        if (ms.ok) setMoneySupply(await ms.json());
-      }
+      setMoneySupply(ms);
     } catch (e) {
       setError(e instanceof Error ? e.message : 'Failed to load central bank data');
     } finally {

frontend-dapp/src/features/office24/Office24Dashboard.tsx

@@ -1,8 +1,9 @@
 import { Link } from 'react-router-dom';
 import { useOffice24 } from './useOffice24';
+import { formatUsd } from '../../utils/formatMoney';
 
 export default function Office24Dashboard() {
-  const { office, tokens, health, loading, refresh } = useOffice24();
+  const { office, tokens, health, moneySupply, loading, refresh } = useOffice24();
   const profile = office as {
     officeId?: number;
     externalId?: string;
@@ -34,14 +35,22 @@ export default function Office24Dashboard() {
         </Link>
       </header>
 
-      <div className="grid grid-cols-1 md:grid-cols-3 gap-4 mb-8">
+      <div className="grid grid-cols-1 md:grid-cols-4 gap-4 mb-8">
         <div className="o24-card">
           <p className="text-xs text-[#848e9c] uppercase">Office ID</p>
           <p className="text-2xl font-bold text-[#0ecb81]">{profile?.officeId ?? 24}</p>
         </div>
         <div className="o24-card">
-          <p className="text-xs text-[#848e9c] uppercase">Default currency</p>
-          <p className="text-2xl font-bold text-[#eaecef]">{profile?.settlement?.defaultCurrency ?? 'USD'}</p>
+          <p className="text-xs text-[#848e9c] uppercase">M1 circulating (GL 2100)</p>
+          <p className="text-2xl font-bold text-[#eaecef]">
+            {formatUsd(moneySupply?.M1?.circulating)}
+          </p>
+        </div>
+        <div className="o24-card">
+          <p className="text-xs text-[#848e9c] uppercase">Due from HO (GL 1410)</p>
+          <p className="text-2xl font-bold text-[#3861fb]">
+            {formatUsd(moneySupply?.interoffice?.dueFromHeadOffice)}
+          </p>
         </div>
         <div className="o24-card">
           <p className="text-xs text-[#848e9c] uppercase">M2 tradable tokens</p>
@@ -49,6 +58,12 @@ export default function Office24Dashboard() {
         </div>
       </div>
 
+      {moneySupply?.fineractLive === false && (
+        <p className="text-sm text-[#f6465d] mb-6">
+          No Fineract journals for Office 24 yet. Post opening M1: Dr 1410 / Cr 2100 via{' '}
+          <code className="text-[#f0b90b]">scripts/deployment/seed-office-24-opening-journal.mjs</code>
+        </p>
+      )}
       <div className="grid grid-cols-1 lg:grid-cols-3 gap-6 mb-8">
         <section className="o24-card lg:col-span-1">
           <h2 className="font-semibold text-[#eaecef] mb-4">Settlement rails</h2>

frontend-dapp/src/features/office24/useOffice24.ts

@@ -1,5 +1,6 @@
 import { useCallback, useEffect, useState } from 'react';
 import { DBIS_EXCHANGE_URL, SETTLEMENT_MIDDLEWARE_URL, type DexToken } from '../../config/dex';
+import type { MoneySupply } from '../central-bank/useCentralBank';
 
 export type M2Token = DexToken & {
   moneyLayer?: string;
@@ -13,6 +14,7 @@ export function useOffice24() {
   const [office, setOffice] = useState<Record<string, unknown> | null>(null);
   const [tokens, setTokens] = useState<M2Token[]>([]);
   const [health, setHealth] = useState<Record<string, unknown> | null>(null);
+  const [moneySupply, setMoneySupply] = useState<MoneySupply | null>(null);
   const [loading, setLoading] = useState(true);
 
   const settlement = SETTLEMENT_MIDDLEWARE_URL.replace(/\/$/, '');
@@ -21,14 +23,18 @@ export function useOffice24() {
   const refresh = useCallback(async () => {
     setLoading(true);
     try {
-      const [o, t, h] = await Promise.all([
+      const [o, t, h, ms] = await Promise.all([
         fetch(`${settlement}/api/v1/settlement/office`).then((r) => r.json()),
         fetch(`${settlement}/api/v1/settlement/tokens/m2`).then((r) => r.json()),
         fetch(`${exchange}/api/v1/exchange/health`).then((r) => r.json()),
+        fetch(`${settlement}/api/v1/settlement/money-supply/public`).then((r) =>
+          r.ok ? r.json() : null,
+        ),
       ]);
       setOffice(o);
       setTokens(Array.isArray(t.tokens) ? t.tokens : []);
       setHealth(h);
+      setMoneySupply(ms);
     } finally {
       setLoading(false);
     }
@@ -38,5 +44,5 @@ export function useOffice24() {
     refresh();
   }, [refresh]);
 
-  return { office, tokens, health, loading, refresh };
+  return { office, tokens, health, moneySupply, loading, refresh };
 }

frontend-dapp/src/utils/formatMoney.ts

@@ -0,0 +1,11 @@
+/** Format Fineract USD balance strings for dashboard display */
+export function formatUsd(value: string | number | undefined | null): string {
+  if (value === undefined || value === null || value === '') return '—';
+  const n = typeof value === 'number' ? value : parseFloat(String(value));
+  if (!Number.isFinite(n)) return '—';
+  return new Intl.NumberFormat('en-US', {
+    style: 'currency',
+    currency: 'USD',
+    maximumFractionDigits: 2,
+  }).format(n);
+}