diff --git a/src/main/resources/application.yml b/src/main/resources/application.yml
new file mode 100644
index 0000000..0466f56
--- /dev/null
+++ b/src/main/resources/application.yml
@@ -0,0 +1,95 @@
+# Spring Boot 3.2.5 Configuration - 카드 매입 승인 경로
+
+spring:
+  application:
+    name: card-acquisition-approval
+
+  # Jakarta EE 9+ DataSource (jakarta.*)
+  datasource:
+    url: jdbc:h2:mem:acquirex;DB_CLOSE_DELAY=-1;DB_CLOSE_ON_EXIT=FALSE
+    driver-class-name: org.h2.Driver
+    username: sa
+    password:
+    hikari:
+      maximum-pool-size: 10
+      minimum-idle: 5
+      connection-timeout: 30000
+
+  # JPA 3.1 (Hibernate 6.x)
+  jpa:
+    hibernate:
+      ddl-auto: update
+    show-sql: true
+    properties:
+      hibernate:
+        format_sql: true
+        dialect: org.hibernate.dialect.H2Dialect
+        jdbc:
+          time_zone: Asia/Seoul
+
+  # H2 Console
+  h2:
+    console:
+      enabled: true
+      path: /h2-console
+
+  # Jackson JSON
+  jackson:
+    serialization:
+      write-dates-as-timestamps: false
+    deserialization:
+      fail-on-unknown-properties: false
+    default-property-inclusion: non_null
+
+server:
+  port: 8080
+  servlet:
+    context-path: /
+  error:
+    include-message: always
+    include-binding-errors: always
+
+management:
+  endpoints:
+    web:
+      exposure:
+        include: health,info,metrics
+  endpoint:
+    health:
+      show-details: when_authorized
+
+logging:
+  level:
+    root: INFO
+    com.acquirex: DEBUG
+    org.springframework.web: INFO
+    org.hibernate.SQL: DEBUG
+  pattern:
+    console: "%d{yyyy-MM-dd HH:mm:ss.SSS} [%thread] %-5level %logger{36} - %msg%n"
+
+---
+# Production Profile
+spring:
+  config:
+    activate:
+      on-profile: prod
+  datasource:
+    url: jdbc:postgresql://${DB_HOST:localhost}:${DB_PORT:5432}/${DB_NAME:acquirex}
+    driver-class-name: org.postgresql.Driver
+    username: ${DB_USERNAME}
+    password: ${DB_PASSWORD}
+  jpa:
+    hibernate:
+      ddl-auto: validate
+    properties:
+      hibernate:
+        dialect: org.hibernate.dialect.PostgreSQLDialect
+  h2:
+    console:
+      enabled: false
+
+logging:
+  level:
+    root: WARN
+    com.acquirex: INFO
+    org.hibernate.SQL: WARN
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