S15H

I would actually reconsider adding phpunit as a dev dependency. It is a tool that runs independently from your project. Therefore it should not live in composer. I would recommend declaring the phar dependency with phive.

https://docs.phpunit.de/en/12.5/installation.html#phar-or-co...

I find this project very impressive and have bookmarked it for potential use in future projects. Thank you for making this.

Maybe have a look at bunq. They check most (all?) of your boxes.