AryanDevCodes/double-ledger-banking-system ? reverse-engineered prompt

Build me a full stack banking app with a clean dashboard for customers and admins. I want users to sign in securely with JWT, reset passwords, and stay logged in with refresh token rotation. The core money system should use a double entry ledger, so every transfer writes matching debit and credit records and balances are always calculated from the ledger, not stored directly. Include UPI style payments with idempotency, so retrying the same payment never double charges anyone, and make sure the sender truly owns the account before any payment goes through.

I also want audit logs, notifications, account statements, debit cards, credit card plans, and loans with EMI support. Add role based access for the different user types, and make the admin side able to manage banks, customers, accounts, and view transactions. Use a modern React frontend with a polished banking dashboard, charts, forms, and tables, and a Spring Boot backend with PostgreSQL. If you need to, look up current docs online for any setup details.