diff --git a/.gitignore b/.gitignore
index 0b745e2..2c004ad 100644
--- a/.gitignore
+++ b/.gitignore
@@ -1,2 +1,5 @@
 /target
-.env
\ No newline at end of file
+.env
+.gpskip
+ginpee.toml
+project.md
diff --git a/Cargo.lock b/Cargo.lock
index 58d86b6..e1fd43e 100644
--- a/Cargo.lock
+++ b/Cargo.lock
@@ -2,12 +2,46 @@
 # It is not intended for manual editing.
 version = 4
 
+[[package]]
+name = "aho-corasick"
+version = "1.1.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ddd31a130427c27518df266943a5308ed92d4b226cc639f5a8f1002816174301"
+dependencies = [
+ "memchr",
+]
+
 [[package]]
 name = "allocator-api2"
 version = "0.2.21"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "683d7910e743518b0e34f1186f92494becacb047c7b6bf616c96772180fef923"
 
+[[package]]
+name = "android_system_properties"
+version = "0.1.5"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "819e7219dbd41043ac279b19830f2efc897156490d7fd6ea916720117ee66311"
+dependencies = [
+ "libc",
+]
+
+[[package]]
+name = "anyhow"
+version = "1.0.100"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a23eb6b1614318a8071c9b2521f36b424b2c83db5eb3a0fead4a6c0809af6e61"
+
+[[package]]
+name = "assert-json-diff"
+version = "2.0.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "47e4f2b81832e72834d7518d8487a0396a28cc408186a2e8854c0f98011faf12"
+dependencies = [
+ "serde",
+ "serde_json",
+]
+
 [[package]]
 name = "atoi"
 version = "2.0.0"
@@ -111,6 +145,12 @@ dependencies = [
  "generic-array",
 ]
 
+[[package]]
+name = "bumpalo"
+version = "3.19.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "46c5e41b57b8bba42a04676d81cb89e9ee8e859a1a66f80a5a72e1cb76b34d43"
+
 [[package]]
 name = "byteorder"
 version = "1.5.0"
@@ -139,6 +179,29 @@ version = "1.0.4"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "9330f8b2ff13f34540b44e946ef35111825727b38d33286ef986142615121801"
 
+[[package]]
+name = "chrono"
+version = "0.4.42"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "145052bdd345b87320e369255277e3fb5152762ad123a901ef5c262dd38fe8d2"
+dependencies = [
+ "iana-time-zone",
+ "js-sys",
+ "num-traits",
+ "serde",
+ "wasm-bindgen",
+ "windows-link",
+]
+
+[[package]]
+name = "colored"
+version = "3.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "fde0e0ec90c9dfb3b4b1a0891a7dcd0e2bffde2f7efed5fe7c9bb00e5bfb915e"
+dependencies = [
+ "windows-sys 0.52.0",
+]
+
 [[package]]
 name = "concurrent-queue"
 version = "2.5.0"
@@ -154,6 +217,12 @@ version = "0.9.6"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "c2459377285ad874054d797f3ccebf984978aa39129f6eafde5cdc8315b612f8"
 
+[[package]]
+name = "core-foundation-sys"
+version = "0.8.7"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "773648b94d0e5d620f64f280777445740e61fe701025087ec8b57f45c791888b"
+
 [[package]]
 name = "cpufeatures"
 version = "0.2.17"
@@ -411,6 +480,37 @@ dependencies = [
  "wasi",
 ]
 
+[[package]]
+name = "getrandom"
+version = "0.3.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "899def5c37c4fd7b2664648c28120ecec138e4d395b459e5ca34f9cce2dd77fd"
+dependencies = [
+ "cfg-if",
+ "libc",
+ "r-efi",
+ "wasip2",
+]
+
+[[package]]
+name = "h2"
+version = "0.4.12"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f3c0b69cfcb4e1b9f1bf2f53f95f766e4661169728ec61cd3fe5a0166f2d1386"
+dependencies = [
+ "atomic-waker",
+ "bytes",
+ "fnv",
+ "futures-core",
+ "futures-sink",
+ "http",
+ "indexmap",
+ "slab",
+ "tokio",
+ "tokio-util",
+ "tracing",
+]
+
 [[package]]
 name = "hashbrown"
 version = "0.15.5"
@@ -532,6 +632,7 @@ dependencies = [
  "bytes",
  "futures-channel",
  "futures-core",
+ "h2",
  "http",
  "http-body",
  "httparse",
@@ -559,6 +660,30 @@ dependencies = [
  "tower-service",
 ]
 
+[[package]]
+name = "iana-time-zone"
+version = "0.1.64"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "33e57f83510bb73707521ebaffa789ec8caf86f9657cad665b092b581d40e9fb"
+dependencies = [
+ "android_system_properties",
+ "core-foundation-sys",
+ "iana-time-zone-haiku",
+ "js-sys",
+ "log",
+ "wasm-bindgen",
+ "windows-core",
+]
+
+[[package]]
+name = "iana-time-zone-haiku"
+version = "0.1.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f31827a206f56af32e590ba56d5d2d085f558508192593743f16b2306495269f"
+dependencies = [
+ "cc",
+]
+
 [[package]]
 name = "icu_collections"
 version = "2.1.1"
@@ -677,6 +802,16 @@ version = "1.0.15"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "4a5f13b858c8d314ee3e8f639011f7ccefe71f97f96e50151fb991f267928e2c"
 
+[[package]]
+name = "js-sys"
+version = "0.3.82"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "b011eec8cc36da2aab2d5cff675ec18454fad408585853910a202391cf9f8e65"
+dependencies = [
+ "once_cell",
+ "wasm-bindgen",
+]
+
 [[package]]
 name = "lazy_static"
 version = "1.5.0"
@@ -779,16 +914,57 @@ dependencies = [
  "windows-sys 0.61.2",
 ]
 
+[[package]]
+name = "mockito"
+version = "1.7.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "7760e0e418d9b7e5777c0374009ca4c93861b9066f18cb334a20ce50ab63aa48"
+dependencies = [
+ "assert-json-diff",
+ "bytes",
+ "colored",
+ "futures-util",
+ "http",
+ "http-body",
+ "http-body-util",
+ "hyper",
+ "hyper-util",
+ "log",
+ "rand 0.9.2",
+ "regex",
+ "serde_json",
+ "serde_urlencoded",
+ "similar",
+ "tokio",
+]
+
 [[package]]
 name = "multiberry-backend"
 version = "0.1.0"
 dependencies = [
+ "anyhow",
  "axum",
+ "chrono",
  "dotenvy",
+ "mockito",
+ "once_cell",
  "serde",
  "serde_json",
  "sqlx",
+ "thiserror",
  "tokio",
+ "tracing",
+ "tracing-subscriber",
+ "uuid",
+]
+
+[[package]]
+name = "nu-ansi-term"
+version = "0.50.3"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "7957b9740744892f114936ab4a57b3f487491bbeafaf8083688b16841a4240e5"
+dependencies = [
+ "windows-sys 0.61.2",
 ]
 
 [[package]]
@@ -802,7 +978,7 @@ dependencies = [
  "num-integer",
  "num-iter",
  "num-traits",
- "rand",
+ "rand 0.8.5",
  "smallvec",
  "zeroize",
 ]
@@ -962,6 +1138,12 @@ dependencies = [
  "proc-macro2",
 ]
 
+[[package]]
+name = "r-efi"
+version = "5.3.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "69cdb34c158ceb288df11e18b4bd39de994f6657d83847bdffdbd7f346754b0f"
+
 [[package]]
 name = "rand"
 version = "0.8.5"
@@ -969,8 +1151,18 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "34af8d1a0e25924bc5b7c43c079c942339d8f0a8b57c39049bef581b46327404"
 dependencies = [
  "libc",
- "rand_chacha",
- "rand_core",
+ "rand_chacha 0.3.1",
+ "rand_core 0.6.4",
+]
+
+[[package]]
+name = "rand"
+version = "0.9.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "6db2770f06117d490610c7488547d543617b21bfa07796d7a12f6f1bd53850d1"
+dependencies = [
+ "rand_chacha 0.9.0",
+ "rand_core 0.9.3",
 ]
 
 [[package]]
@@ -980,7 +1172,17 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "e6c10a63a0fa32252be49d21e7709d4d4baf8d231c2dbce1eaa8141b9b127d88"
 dependencies = [
  "ppv-lite86",
- "rand_core",
+ "rand_core 0.6.4",
+]
+
+[[package]]
+name = "rand_chacha"
+version = "0.9.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "d3022b5f1df60f26e1ffddd6c66e8aa15de382ae63b3a0c1bfc0e4d3e3f325cb"
+dependencies = [
+ "ppv-lite86",
+ "rand_core 0.9.3",
 ]
 
 [[package]]
@@ -989,7 +1191,16 @@ version = "0.6.4"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "ec0be4795e2f6a28069bec0b5ff3e2ac9bafc99e6a9a7dc3547996c5c816922c"
 dependencies = [
- "getrandom",
+ "getrandom 0.2.16",
+]
+
+[[package]]
+name = "rand_core"
+version = "0.9.3"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "99d9a13982dcf210057a8a78572b2217b667c3beacbf3a0d8b454f6f82837d38"
+dependencies = [
+ "getrandom 0.3.4",
 ]
 
 [[package]]
@@ -1001,6 +1212,35 @@ dependencies = [
  "bitflags",
 ]
 
+[[package]]
+name = "regex"
+version = "1.12.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "843bc0191f75f3e22651ae5f1e72939ab2f72a4bc30fa80a066bd66edefc24d4"
+dependencies = [
+ "aho-corasick",
+ "memchr",
+ "regex-automata",
+ "regex-syntax",
+]
+
+[[package]]
+name = "regex-automata"
+version = "0.4.13"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "5276caf25ac86c8d810222b3dbb938e512c55c6831a10f3e6ed1c93b84041f1c"
+dependencies = [
+ "aho-corasick",
+ "memchr",
+ "regex-syntax",
+]
+
+[[package]]
+name = "regex-syntax"
+version = "0.8.8"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "7a2d987857b319362043e95f5353c0535c1f58eec5336fdfcf626430af7def58"
+
 [[package]]
 name = "ring"
 version = "0.17.14"
@@ -1009,7 +1249,7 @@ checksum = "a4689e6c2294d81e88dc6261c768b63bc4fcdb852be6d1352498b114f61383b7"
 dependencies = [
  "cc",
  "cfg-if",
- "getrandom",
+ "getrandom 0.2.16",
  "libc",
  "untrusted",
  "windows-sys 0.52.0",
@@ -1028,7 +1268,7 @@ dependencies = [
  "num-traits",
  "pkcs1",
  "pkcs8",
- "rand_core",
+ "rand_core 0.6.4",
  "signature",
  "spki",
  "subtle",
@@ -1069,6 +1309,12 @@ dependencies = [
  "untrusted",
 ]
 
+[[package]]
+name = "rustversion"
+version = "1.0.22"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "b39cdef0fa800fc44525c84ccb54a029961a8215f9619753635a9c0d2538d46d"
+
 [[package]]
 name = "ryu"
 version = "1.0.20"
@@ -1169,6 +1415,15 @@ dependencies = [
  "digest",
 ]
 
+[[package]]
+name = "sharded-slab"
+version = "0.1.7"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f40ca3c46823713e0d4209592e8d6e826aa57e928f09752619fc696c499637f6"
+dependencies = [
+ "lazy_static",
+]
+
 [[package]]
 name = "shlex"
 version = "1.3.0"
@@ -1191,9 +1446,15 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "77549399552de45a898a580c1b41d445bf730df867cc44e6c0233bbc4b8329de"
 dependencies = [
  "digest",
- "rand_core",
+ "rand_core 0.6.4",
 ]
 
+[[package]]
+name = "similar"
+version = "2.7.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "bbbb5d9659141646ae647b42fe094daf6c6192d1620870b449d9557f748b2daa"
+
 [[package]]
 name = "slab"
 version = "0.4.11"
@@ -1354,7 +1615,7 @@ dependencies = [
  "memchr",
  "once_cell",
  "percent-encoding",
- "rand",
+ "rand 0.8.5",
  "rsa",
  "serde",
  "sha1",
@@ -1392,7 +1653,7 @@ dependencies = [
  "md-5",
  "memchr",
  "once_cell",
- "rand",
+ "rand 0.8.5",
  "serde",
  "serde_json",
  "sha2",
@@ -1499,6 +1760,15 @@ dependencies = [
  "syn",
 ]
 
+[[package]]
+name = "thread_local"
+version = "1.1.9"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f60246a4944f24f6e018aa17cdeffb7818b76356965d03b07d6a9886e8962185"
+dependencies = [
+ "cfg-if",
+]
+
 [[package]]
 name = "tinystr"
 version = "0.8.2"
@@ -1563,6 +1833,19 @@ dependencies = [
  "tokio",
 ]
 
+[[package]]
+name = "tokio-util"
+version = "0.7.17"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "2efa149fe76073d6e8fd97ef4f4eca7b67f599660115591483572e406e165594"
+dependencies = [
+ "bytes",
+ "futures-core",
+ "futures-sink",
+ "pin-project-lite",
+ "tokio",
+]
+
 [[package]]
 name = "tower"
 version = "0.5.2"
@@ -1621,6 +1904,32 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b9d12581f227e93f094d3af2ae690a574abb8a2b9b7a96e7cfe9647b2b617678"
 dependencies = [
  "once_cell",
+ "valuable",
+]
+
+[[package]]
+name = "tracing-log"
+version = "0.2.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ee855f1f400bd0e5c02d150ae5de3840039a3f54b025156404e34c23c03f47c3"
+dependencies = [
+ "log",
+ "once_cell",
+ "tracing-core",
+]
+
+[[package]]
+name = "tracing-subscriber"
+version = "0.3.20"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "2054a14f5307d601f88daf0553e1cbf472acc4f2c51afab632431cdcd72124d5"
+dependencies = [
+ "nu-ansi-term",
+ "sharded-slab",
+ "smallvec",
+ "thread_local",
+ "tracing-core",
+ "tracing-log",
 ]
 
 [[package]]
@@ -1680,6 +1989,24 @@ version = "1.0.4"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b6c140620e7ffbb22c2dee59cafe6084a59b5ffc27a8859a5f0d494b5d52b6be"
 
+[[package]]
+name = "uuid"
+version = "1.18.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "2f87b8aa10b915a06587d0dec516c282ff295b475d94abf425d62b57710070a2"
+dependencies = [
+ "getrandom 0.3.4",
+ "js-sys",
+ "serde",
+ "wasm-bindgen",
+]
+
+[[package]]
+name = "valuable"
+version = "0.1.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ba73ea9cf16a25df0c8caa16c51acb937d5712a8429db78a3ee29d5dcacd3a65"
+
 [[package]]
 name = "vcpkg"
 version = "0.2.15"
@@ -1698,12 +2025,66 @@ version = "0.11.1+wasi-snapshot-preview1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "ccf3ec651a847eb01de73ccad15eb7d99f80485de043efb2f370cd654f4ea44b"
 
+[[package]]
+name = "wasip2"
+version = "1.0.1+wasi-0.2.4"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "0562428422c63773dad2c345a1882263bbf4d65cf3f42e90921f787ef5ad58e7"
+dependencies = [
+ "wit-bindgen",
+]
+
 [[package]]
 name = "wasite"
 version = "0.1.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "b8dad83b4f25e74f184f64c43b150b91efe7647395b42289f38e50566d82855b"
 
+[[package]]
+name = "wasm-bindgen"
+version = "0.2.105"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "da95793dfc411fbbd93f5be7715b0578ec61fe87cb1a42b12eb625caa5c5ea60"
+dependencies = [
+ "cfg-if",
+ "once_cell",
+ "rustversion",
+ "wasm-bindgen-macro",
+ "wasm-bindgen-shared",
+]
+
+[[package]]
+name = "wasm-bindgen-macro"
+version = "0.2.105"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "04264334509e04a7bf8690f2384ef5265f05143a4bff3889ab7a3269adab59c2"
+dependencies = [
+ "quote",
+ "wasm-bindgen-macro-support",
+]
+
+[[package]]
+name = "wasm-bindgen-macro-support"
+version = "0.2.105"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "420bc339d9f322e562942d52e115d57e950d12d88983a14c79b86859ee6c7ebc"
+dependencies = [
+ "bumpalo",
+ "proc-macro2",
+ "quote",
+ "syn",
+ "wasm-bindgen-shared",
+]
+
+[[package]]
+name = "wasm-bindgen-shared"
+version = "0.2.105"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "76f218a38c84bcb33c25ec7059b07847d465ce0e0a76b995e134a45adcb6af76"
+dependencies = [
+ "unicode-ident",
+]
+
 [[package]]
 name = "webpki-roots"
 version = "0.26.11"
@@ -1732,12 +2113,65 @@ dependencies = [
  "wasite",
 ]
 
+[[package]]
+name = "windows-core"
+version = "0.62.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "b8e83a14d34d0623b51dce9581199302a221863196a1dde71a7663a4c2be9deb"
+dependencies = [
+ "windows-implement",
+ "windows-interface",
+ "windows-link",
+ "windows-result",
+ "windows-strings",
+]
+
+[[package]]
+name = "windows-implement"
+version = "0.60.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "053e2e040ab57b9dc951b72c264860db7eb3b0200ba345b4e4c3b14f67855ddf"
+dependencies = [
+ "proc-macro2",
+ "quote",
+ "syn",
+]
+
+[[package]]
+name = "windows-interface"
+version = "0.59.3"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "3f316c4a2570ba26bbec722032c4099d8c8bc095efccdc15688708623367e358"
+dependencies = [
+ "proc-macro2",
+ "quote",
+ "syn",
+]
+
 [[package]]
 name = "windows-link"
 version = "0.2.1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "f0805222e57f7521d6a62e36fa9163bc891acd422f971defe97d64e70d0a4fe5"
 
+[[package]]
+name = "windows-result"
+version = "0.4.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "7781fa89eaf60850ac3d2da7af8e5242a5ea78d1a11c49bf2910bb5a73853eb5"
+dependencies = [
+ "windows-link",
+]
+
+[[package]]
+name = "windows-strings"
+version = "0.5.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "7837d08f69c77cf6b07689544538e017c1bfcf57e34b4c0ff58e6c2cd3b37091"
+dependencies = [
+ "windows-link",
+]
+
 [[package]]
 name = "windows-sys"
 version = "0.48.0"
@@ -1960,6 +2394,12 @@ version = "0.53.1"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "d6bbff5f0aada427a1e5a6da5f1f98158182f26556f345ac9e04d36d0ebed650"
 
+[[package]]
+name = "wit-bindgen"
+version = "0.46.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "f17a85883d4e6d00e8a97c586de764dabcc06133f7f1d55dce5cdc070ad7fe59"
+
 [[package]]
 name = "writeable"
 version = "0.6.2"
diff --git a/Cargo.toml b/Cargo.toml
index 10049ba..6999829 100644
--- a/Cargo.toml
+++ b/Cargo.toml
@@ -4,9 +4,36 @@ version = "0.1.0"
 edition = "2024"
 
 [dependencies]
+# Web Framework
 axum = "0.8"
-tokio = { version = "1.48", features = ["full"] }
+tokio = { version = "1.48.0", features = ["full"] }
+
+# Database
 sqlx = { version = "0.8", features = ["runtime-tokio-rustls", "postgres"] }
-dotenvy = "0.15"
+
+# Serialization
 serde = { version = "1", features = ["derive"] }
 serde_json = "1.0"
+
+# Logging
+tracing = "0.1"
+tracing-subscriber = "0.3"
+
+# Error handling
+thiserror = "2.0"
+anyhow = "1.0"
+
+# (опционально) для кэширования токенов
+once_cell = "1.21"
+
+# Utilities
+dotenvy = "0.15"
+uuid = { version = "1.18", features = ["v4", "serde"] }
+chrono = { version = "0.4", features = ["serde"] }
+
+[dev-dependencies]
+mockito = "1.0"     # Мокирование HTTP запросов в тестах
+
+
+
+
diff --git a/src/main.rs b/src/main.rs
index 594f99a..ead0fe1 100644
--- a/src/main.rs
+++ b/src/main.rs
@@ -1,42 +1,46 @@
-// src/main.rs
+// Подключаем модули напрямую без mod.rs!
+mod banking {
+    pub mod client;
+    pub mod models;
+    pub mod error;
+}
+
+mod services {
+    pub mod account_service;
+    pub mod consent_service;
+}
+
+mod handlers {
+    pub mod health;
+    pub mod accounts;
+}
+
+mod config;
+mod db;
+mod error;
 
 use axum::{
-    extract::State,
-    http::StatusCode,
-    response::{IntoResponse, Json},
     routing::get,
     Router,
 };
-use serde_json::json;
-use sqlx::postgres::PgPoolOptions;
-use sqlx::PgPool;
 use std::net::SocketAddr;
-use std::env;
-
-#[derive(Clone)]
-struct AppState {
-    db_pool: PgPool,
-}
 
 #[tokio::main]
 async fn main() {
     dotenvy::dotenv().ok();
 
-    let database_url = env::var("DATABASE_URL")
-        .expect("DATABASE_URL must be set");
+    let db_pool = db::init_pool().await;
+    
+    let banking_clients = banking::client::init_all_banks().await;
 
-    let db_pool = PgPoolOptions::new()
-        .max_connections(5)
-        .connect(&database_url)
-        .await
-        .expect("Failed to create Postgres connection pool");
-
-    println!("✅ Database connection pool created successfully.");
-
-    let app_state = AppState { db_pool };
+    let app_state = AppState {
+        db_pool,
+        banking_clients,
+    };
 
     let app = Router::new()
-        .route("/api/health", get(health_checker_handler))
+        .route("/api/health", get(handlers::health::health_handler))
+        .route("/api/accounts/aggregated", get(handlers::accounts::get_aggregated_accounts))
         .with_state(app_state);
 
     let addr = SocketAddr::from(([0, 0, 0, 0], 3000));
@@ -46,24 +50,15 @@ async fn main() {
     axum::serve(listener, app).await.unwrap();
 }
 
-async fn health_checker_handler(
-    State(state): State<AppState>,
-) -> impl IntoResponse {
-    let result = sqlx::query("SELECT 1")
-        .execute(&state.db_pool)
-        .await;
-
-    let (status_code, message) = match result {
-        Ok(_) => (
-            StatusCode::OK,
-            "Database connection is successful.".to_string(),
-        ),
-        Err(e) => (
-            StatusCode::INTERNAL_SERVER_ERROR,
-            format!("Database connection failed: {}", e),
-        ),
-    };
-
-    (status_code, Json(json!({ "status": message })))
+#[derive(Clone)]
+pub struct AppState {
+    pub db_pool: sqlx::PgPool,
+    pub banking_clients: BankingClients,
 }
 
+#[derive(Clone)]
+pub struct BankingClients {
+    pub vbank: banking::client::BankClient,
+    pub abank: banking::client::BankClient,
+    pub sbank: banking::client::BankClient,
+}