<?php
// Minimal, reliable Paystack bank codes (you can expand anytime)
return [
  // ✅ Special test-only bank (unlimited verifications in Test Mode)
  ['name' => 'Paystack Test Bank (for Sandbox use only)', 'code' => '001'],

  // Popular commercial banks
  ['name' => 'Access Bank',      'code' => '044'],
  ['name' => 'Citibank',         'code' => '023'],
  ['name' => 'Ecobank',          'code' => '050'],
  ['name' => 'Fidelity Bank',    'code' => '070'],
  ['name' => 'First Bank',       'code' => '011'],
  ['name' => 'FCMB',             'code' => '214'],
  ['name' => 'GTBank',           'code' => '058'],
  ['name' => 'Keystone Bank',    'code' => '082'],
  ['name' => 'Polaris Bank',     'code' => '076'],
  ['name' => 'Stanbic IBTC',     'code' => '221'],
  ['name' => 'Sterling Bank',    'code' => '232'],
  ['name' => 'UBA',              'code' => '033'],
  ['name' => 'Union Bank',       'code' => '032'],
  ['name' => 'Unity Bank',       'code' => '215'],
  ['name' => 'Wema Bank',        'code' => '035'],
  ['name' => 'Zenith Bank',      'code' => '057'],

  // ✅ Newer fintech/digital banks
  ['name' => 'Kuda Bank',         'code' => '50211'],
  ['name' => 'Moniepoint MFB',    'code' => '50515'],
  ['name' => 'OPay',              'code' => '999991'],
  ['name' => 'PalmPay',           'code' => '999992'],
  ['name' => 'Rubies MFB',        'code' => '125'],
  ['name' => 'VFD MFB',           'code' => '566'],
  ['name' => 'FairMoney MFB',     'code' => '51318'],
  ['name' => 'Carbon MFB',        'code' => '565'],
  ['name' => 'Eyowo MFB',         'code' => '50126'],

  // Add more later as needed
];
