Do I need API keys to run a Rails starter kit locally?
No. Billing, email, bot checking and error reporting each sit behind an adapter that returns a real client when its credential is present and a deterministic local fake when it is not. A fresh clone runs bin/setup and bin/dev with no keys, and checkout, sign-in and gated features all work end to end.
Prove it in two commands
bin/setup
bin/dev
No .env to fill in first. The database is SQLite, so there is no Postgres to install and no Redis
to run. Sign in with a magic code, which opens in a browser tab rather than sending. Buy a
subscription, which completes against the local fake. Open a gated feature, which unlocks.
How the seam works
app/adapters/billing.rb is the reference implementation, and the others copy its shape:
Billing.for(account)
One method, two possible implementations, and nothing else in the app knows which it received. Both
live under app/adapters/billing, and the fake is short enough to read in a minute, which is the
point: it documents what the real one is expected to do.
app/adapters/bot_check.rb and app/adapters/error_reporter.rb follow the same pattern.
What the fakes do not cover
They are deterministic, not simulations. Card declines, real webhook timing, actual email deliverability and real bot traffic all need the real service. So the fakes are right for development and for the test suite, and wrong as a substitute for one round of testing against test mode before you launch.
The one key production needs
RAILS_MASTER_KEY, and nothing else. Every other variable in
docs/BRING_YOUR_OWN_KEYS.md is optional, and an app missing one runs on that integration's fake
rather than raising. That is what makes it reasonable to deploy before you have decided on a payment
provider.
Adding your own integration
Use the add-integration skill. It builds the same adapter and fake pair for a new service, which
keeps the "works with no accounts" property true as the app grows. Calling a third-party API directly
from a controller is the thing that breaks it.