Configure Vault Transit
Vault encrypts customer access and refresh credentials, beneficiary destinations, approval session identifiers and URLs, and provider preparation context. PostgreSQL stores only ciphertext and the context needed to select the correct Transit derivation.Grant the application minimum access
The shipped policy grants encrypt, decrypt, and inspect access toneobank-perflo-credentials:
derived=true. Derivation contexts isolate customer connections, beneficiaries, and operations under one managed key.
Use TLS in production
Production refuses cleartext Vault. The server deployment mountsca.pem, server.pem, and server-key.pem, points the application at https://vault:8200, and configures the CA for the API, worker, and bootstrap sidecar. The scheduler has no Vault access.