techschool/simplebank ? reverse-engineered prompt

Build me a simple banking backend in Go that lets users create accounts, log in, check balances, record every balance change, and transfer money between two accounts safely. I want it to use a real database, work well with transactions, and include solid error handling and tests so the money logic feels reliable.

Please also add the basic auth flow with secure access tokens, make the API usable from both HTTP and gRPC if that fits the project, and include the pieces needed to run it locally with Docker. If there are background jobs for things like sending emails or processing tasks, wire that up too.

Set it up so I can start it easily, run the tests, and see clear documentation for how the service works. If you need to check current library docs online while building it, go ahead.