ooredoo mfaisa

app/src/main/java/sh/sar/basedbank/BasedBankApp.kt

@@ -8,6 +8,7 @@ import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.mfaisa.MfaisaSession
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfile
@@ -48,6 +49,10 @@ class BasedBankApp : Application() {
     val fahipaySessions: MutableMap<String, FahipaySession> = mutableMapOf()
     var fahipayAccounts: List<BankAccount> = emptyList()
 
+    /** Active M-Faisa sessions keyed by loginId (= msisdn). */
+    val mfaisaSessions: MutableMap<String, MfaisaSession> = mutableMapOf()
+    var mfaisaAccounts: List<BankAccount> = emptyList()
+
     // ─── MIB helpers ──────────────────────────────────────────────────────────
 
     /** Returns the MIB session for the given account (matched via loginTag). */
@@ -110,6 +115,26 @@ class BasedBankApp : Application() {
     fun fahipaySessionFor(account: BankAccount): FahipaySession? =
         fahipaySessions[account.loginTag.removePrefix("fahipay_")]
 
+    // ─── M-Faisa helpers ──────────────────────────────────────────────────────
+
+    /** Returns the M-Faisa session for the given account (matched via loginTag = "mfaisa_${msisdn}"). */
+    fun mfaisaSessionFor(account: BankAccount): MfaisaSession? =
+        mfaisaSessions[account.loginTag.removePrefix("mfaisa_")]
+
+    /**
+     * Re-runs `fetchSubscriber` + `doMobileLogin` using the saved credentials for [loginId] and
+     * replaces the cached session. Call this after catching [sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException].
+     * Returns the fresh session, or null if no credentials are saved for that login.
+     */
+    fun refreshMfaisaSession(loginId: String): MfaisaSession? {
+        val creds = CredentialStore(this).loadMfaisaCredentials(loginId) ?: return null
+        val flow = sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow(this)
+        flow.fetchSubscriber(creds.msisdn)
+        val result = flow.doMobileLogin(creds.msisdn, creds.pin)
+        mfaisaSessions[loginId] = result.session
+        return result.session
+    }
+
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */
     val mibMutex = Mutex()
 

app/src/main/java/sh/sar/basedbank/LockActivity.kt

@@ -279,7 +279,8 @@ class LockActivity : AppCompatActivity() {
             finish()
         } else {
             val store = CredentialStore(this)
-            val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+            val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() ||
+                store.hasFahipayCredentials() || store.hasMfaisaCredentials()
             if (!hasCredentials) {
                 startActivity(Intent(this, sh.sar.basedbank.ui.login.LoginActivity::class.java))
                 finish()

app/src/main/java/sh/sar/basedbank/MainActivity.kt

@@ -41,7 +41,8 @@ class MainActivity : AppCompatActivity() {
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
         val store = CredentialStore(this)
-        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() ||
+            store.hasFahipayCredentials() || store.hasMfaisaCredentials()
 
         // Image shared via "Scan to Pay" — decode QR here while we still hold the URI permission
         val shareQrText: String? = if (intent?.action == Intent.ACTION_SEND &&

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaAccountClient.kt

@@ -0,0 +1,35 @@
+package sh.sar.basedbank.api.mfaisa
+
+import sh.sar.basedbank.api.models.BankAccount
+
+object MfaisaAccountClient {
+
+    /**
+     * Build one BankAccount per pocket from a login result.
+     * `loginTag` is "mfaisa_<msisdn>" (one per M-Faisa account on the device).
+     */
+    fun buildAccounts(result: MfaisaLoginResult, loginTag: String): List<BankAccount> {
+        val displayName = result.profile.name.ifBlank { "M-Faisa" }
+        return result.pockets.map { p ->
+            val balance = "%.2f".format(p.balance)
+            BankAccount(
+                bank             = "MFAISA",
+                profileName      = displayName,
+                profileType      = if (p.pocketValueType == "PAYPAL_USD") "MFAISA_PAYPAL" else "MFAISA",
+                accountNumber    = p.pocketId,
+                accountBriefName = p.nickname.ifBlank { p.displayName.ifBlank { "M-Faisa" } },
+                currencyName     = p.currency,
+                accountTypeName  = p.displayName.ifBlank { "Mobile Wallet" },
+                availableBalance = balance,
+                currentBalance   = balance,
+                blockedAmount    = "0.00",
+                mvrBalance       = if (p.currency == "MVR") balance else "0.00",
+                statusDesc       = p.statusType.ifBlank { "ACTIVE" },
+                profileImageHash = null,
+                loginTag         = loginTag,
+                profileId        = result.profile.subscriberId,
+                internalId       = result.profile.walletId
+            )
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaCrypto.kt

@@ -0,0 +1,67 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.util.Base64
+import java.math.BigInteger
+import java.security.KeyFactory
+import java.security.PublicKey
+import java.security.SecureRandom
+import java.security.spec.MGF1ParameterSpec
+import java.security.spec.RSAPublicKeySpec
+import javax.crypto.Cipher
+import javax.crypto.spec.OAEPParameterSpec
+import javax.crypto.spec.PSource
+
+/**
+ * Field-level encryption for Ooredoo M-Faisa request payloads.
+ *
+ * Both keys live (obfuscated) in libnative-lib.so and were extracted by hooking
+ * the live app with Frida.
+ */
+object MfaisaCrypto {
+
+    // 1024-bit RSA key. Used for mdnId / mobileNumber / userName.
+    // Plaintext is "960" + msisdn. Cipher is OAEP/SHA-256.
+    private val MOBILE_N = BigInteger(
+        "125043708524451715642963973698406708755269502293565460606118930542682275971580032704131362488150174351194407172452175275612284031366512484449720820404229217064541745811143629538982383390723079478499614160620616911679256603296752844216620113064874342531851472851319065258962732556596958868200227678294957694889"
+    )
+    private val MOBILE_E = BigInteger("65537")
+
+    // 2048-bit RSA key. Used for mPin. Plaintext is `pin + <6-char alphanumeric salt>`.
+    // Cipher is OAEP/SHA-1. Output is hex.
+    private val PIN_N = BigInteger(
+        "30853988905151679601945771998041800603731623930944610745590884250489036547584511246061683594739124713335100655247634233703624305850983479131604065498722268916133039937128796419041248167624160300158401049118446352988895953596475734156239882174799821436218294725935232359347780127398770443981734096915599443841496235741614376221345134752344583283770986295156829944214841171989893291834036934949311011654192369326666754259268756426483563391867503815261490458479377640385950664660570354934951526319509191336410208609648686869010157285218492218371799827560010164293202383337546810220755107741865769246084291990864545504123"
+    )
+    private val PIN_E = BigInteger("65537")
+
+    private val mobileKey: PublicKey by lazy { rsaPublicKey(MOBILE_N, MOBILE_E) }
+    private val pinKey: PublicKey by lazy { rsaPublicKey(PIN_N, PIN_E) }
+
+    private val random = SecureRandom()
+    private const val SALT_ALPHABET =
+        "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789"
+
+    /** Encrypts "960" + MSISDN. Output is non-deterministic (OAEP random padding). */
+    fun encryptMobile(msisdn: String): String {
+        val cipher = Cipher.getInstance("RSA/ECB/OAEPWithSHA-256AndMGF1Padding")
+        val params = OAEPParameterSpec("SHA-256", "MGF1", MGF1ParameterSpec.SHA256, PSource.PSpecified.DEFAULT)
+        cipher.init(Cipher.ENCRYPT_MODE, mobileKey, params)
+        val ct = cipher.doFinal(("960" + msisdn).toByteArray(Charsets.UTF_8))
+        return Base64.encodeToString(ct, Base64.NO_WRAP)
+    }
+
+    /** Encrypts `pin + <6-char random alphanumeric salt>`. Output is hex (lowercase). */
+    fun encryptPin(pin: String): String {
+        val salt = buildString {
+            repeat(6) { append(SALT_ALPHABET[random.nextInt(SALT_ALPHABET.length)]) }
+        }
+        val plaintext = (pin + salt).toByteArray(Charsets.UTF_8)
+        val cipher = Cipher.getInstance("RSA/ECB/OAEPWithSHA-1AndMGF1Padding")
+        val params = OAEPParameterSpec("SHA-1", "MGF1", MGF1ParameterSpec.SHA1, PSource.PSpecified.DEFAULT)
+        cipher.init(Cipher.ENCRYPT_MODE, pinKey, params)
+        val ct = cipher.doFinal(plaintext)
+        return ct.joinToString("") { "%02x".format(it) }
+    }
+
+    private fun rsaPublicKey(n: BigInteger, e: BigInteger): PublicKey =
+        KeyFactory.getInstance("RSA").generatePublic(RSAPublicKeySpec(n, e))
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaHistoryClient.kt

@@ -0,0 +1,181 @@
+package sh.sar.basedbank.api.mfaisa
+
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.models.BankTransaction
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * Fetches the M-Faisa transaction summary for the active subscriber session.
+ *
+ * Endpoint: POST /transactionInquiry/fetchSummary
+ *
+ * Two extra anti-replay fields are required:
+ *   - rndValue : RSA-OAEP-SHA1 encryption of a fresh timestamp+salt with the mPin key
+ *               (i.e. the same routine as [MfaisaCrypto.encryptPin] applied to a timestamp)
+ *   - csValue  : Adler32(formDataJson + timestampPlaintext), as a decimal string
+ */
+class MfaisaHistoryClient {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    private val random = SecureRandom()
+
+    /**
+     * Fetches one page (`pageNo` is 1-based; recordSize defaults to 70 — the official app's value).
+     * Returns the parsed transactions and a flag indicating whether the server returned a full
+     * page (= more pages may be available).
+     */
+    data class Page(val transactions: List<BankTransaction>, val hasMore: Boolean)
+
+    fun fetchHistory(
+        session: MfaisaSession,
+        accountNumber: String,
+        accountDisplayName: String,
+        pageNo: Int,
+        recordSize: Int = 70
+    ): Page {
+        if (session.loginExchangeKey.isBlank() || session.subscriberId.isBlank() || session.msisdn.isBlank()) {
+            throw IllegalStateException("M-Faisa session is missing fields required for fetchSummary")
+        }
+
+        val innerMdn = MfaisaCrypto.encryptMobile(session.msisdn)
+        val outerMdn = MfaisaCrypto.encryptMobile(session.msisdn)  // independent encryption
+
+        val formData = JSONObject()
+            .put("actorRole", "RETAIL_SUBSCRIBER")
+            .put("actorRoleId", session.subscriberId)
+            .put("fromDate", "")
+            .put("mdnId", innerMdn)
+            .put("pageNo", pageNo.toString())
+            .put("recordSize", recordSize.toString())
+            .put("toDate", "")
+            .put("transactionType", "")
+        val formJson = formData.toString().matchGsonHtmlSafe()
+
+        // Anti-replay: nonce_str = (currentTimeMillis() + offset). Offset is small noise (0..5).
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        // rndValue uses the same key/cipher as the mPin encryption — see [MfaisaCrypto.encryptPin].
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply { update((formJson + nonceStr).toByteArray(Charsets.UTF_8)) }
+            .value.toString()
+
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "SubscriberApp")
+            .add("rndValue", rndValue)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("formData", formJson)
+            .add("mdnId", outerMdn)
+            .add("csValue", csValue)
+            .build()
+
+        val resp = client.newCall(
+            Request.Builder().url("$baseUrl/transactionInquiry/fetchSummary").post(body).build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty history response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        // The server returns its error envelope as a JSON array even on HTTP 200.
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            val first = errArr.optJSONObject(0)
+            val errObj = first?.optJSONArray("error")?.optJSONObject(0)
+            val attrVal = errObj?.optString("attributeValue")
+            val errCode = errObj?.optString("errorCode")
+            if (attrVal == "SESSION_EXPIRED" || errCode == "SESSION_EXPIRED") {
+                throw MfaisaSessionExpiredException()
+            }
+            val msg = errObj?.optString("errorMessage") ?: first?.optString("message")
+            throw Exception(msg?.ifBlank { null } ?: "M-Faisa history failed")
+        }
+
+        val obj = JSONObject(trimmed)
+        val arr = obj.optJSONArray("transactionInquiryDTOList") ?: JSONArray()
+        val out = mutableListOf<BankTransaction>()
+        for (i in 0 until arr.length()) {
+            val o = arr.getJSONObject(i) ?: continue
+            out += parse(o, accountNumber, accountDisplayName)
+        }
+        // The server returns nothing useful for "total"; assume more pages exist when this page is full.
+        return Page(out, hasMore = arr.length() >= recordSize)
+    }
+
+    private fun parse(o: JSONObject, accountNumber: String, accountDisplayName: String): BankTransaction {
+        val trnDate = o.optString("trnDate")           // "yyyy-MM-dd HH:mm:ss" — already in target format
+        val trnType = o.optString("trnType")           // CASH_IN | PURCHASE | TRANSFER | …
+        val status = o.optString("status")             // SUCCESS | FAILED
+        val amtObj = o.optJSONObject("transactionAmount") ?: JSONObject()
+        val amount = amtObj.optDouble("amount", 0.0)
+        val currency = amtObj.optString("currencyCode", "MVR")
+        val refId = o.optString("referenceId").ifBlank { o.optString("requestId") }
+        val narration = o.optString("narrationString").ifBlank { trnType.replace("_", " ").lowercase().replaceFirstChar { it.uppercase() } }
+
+        // Direction: CASH_IN / TRANSFER_IN etc. are credits, everything else is a debit
+        val isCredit = trnType.endsWith("_IN") ||
+                       trnType == "CASH_IN" ||
+                       trnType == "RECEIVE_MONEY"
+        val signedAmount = if (isCredit) amount else -amount
+
+        // Counterparty hint: parse the typeSummaryString for richer info if present
+        val counterparty = extractCounterparty(o)
+
+        // Failed transactions still appear in the list — we still show them but tag in the description.
+        val description = if (status == "FAILED") "$narration · Failed" else narration
+
+        return BankTransaction(
+            id = refId,
+            date = trnDate,
+            description = description,
+            amount = signedAmount,
+            currency = currency,
+            counterpartyName = counterparty,
+            reference = refId.ifBlank { null },
+            accountNumber = accountNumber,
+            accountDisplayName = accountDisplayName,
+            source = "MFAISA"
+        )
+    }
+
+    /** Best-effort counterparty / merchant name extraction from the response's nested JSON. */
+    private fun extractCounterparty(o: JSONObject): String? {
+        // typeSummaryString is itself a JSON-encoded array string
+        val ts = o.optString("typeSummaryString").trim()
+        if (ts.startsWith("[")) {
+            try {
+                val arr = JSONArray(ts)
+                for (i in 0 until arr.length()) {
+                    val item = arr.optJSONObject(i) ?: continue
+                    item.optString("Merchant Name").takeIf { it.isNotBlank() }?.let { return it }
+                    item.optString("Receiver Name").takeIf { it.isNotBlank() }?.let { return it }
+                    item.optString("Sender Name").takeIf { it.isNotBlank() }?.let { return it }
+                }
+            } catch (_: Exception) { /* fall through */ }
+        }
+        // sourceMDN like "Shiham-DT Pocket-9609198026" — the bit before the first dash is the user-facing name
+        val source = o.optString("sourceMDN")
+        if (source.isNotBlank() && source.contains("-")) return source.substringBefore("-")
+        return null
+    }
+
+    /**
+     * Match the official app's Gson serialiser: replace `=` with the Unicode-escaped equivalent so
+     * the M-Faisa server's strict parser accepts the payload (same trick as in [MfaisaLoginFlow]).
+     */
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaLoginFlow.kt

@@ -0,0 +1,202 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.content.Context
+import android.os.Build
+import android.provider.Settings
+import okhttp3.FormBody
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONArray
+import org.json.JSONException
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.util.concurrent.TimeUnit
+
+class MfaisaLoginFlow(context: Context) {
+
+    private val BASE_URL = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+
+    // Do NOT set User-Agent explicitly: Cloudflare in front of superapp.ooredoo.mv
+    // fingerprints header order, and an explicit .header("User-Agent", ...) call
+    // pushes it to the front of the request, returning 400. Letting OkHttp's
+    // BridgeInterceptor add its default "okhttp/4.12.0" at the end matches the
+    // official app's on-wire ordering and gets 200.
+
+    private val appContext = context.applicationContext
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    /**
+     * Step 0: look up the subscriber by MSISDN and verify they have Full KYC.
+     * Throws [MfaisaKycRequiredException] if kycStatus != "Full KYC".
+     * Throws [MfaisaWalletNotReadyException] if the wallet isn't registered / activated / PIN-set.
+     */
+    fun fetchSubscriber(msisdn: String): JSONObject {
+        val body = JSONObject()
+            .put("mdnId", MfaisaCrypto.encryptMobile(msisdn))
+            .toString()
+            .matchGsonHtmlSafe()
+            .toRequestBody("application/json; charset=UTF-8".toMediaType())
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/fetchSubscriberByMDN")
+                .post(body)
+                .build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty subscriber response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        val obj = JSONObject(raw)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Could not look up this number" })
+        }
+        if (!obj.optBoolean("subscriberRegistered", false)) {
+            throw MfaisaNotRegisteredException()
+        }
+        if (!obj.optBoolean("passwordCreated", false)) {
+            throw MfaisaWalletNotReadyException("Set your M-Faisa mPIN in the Ooredoo SuperApp first, then try again.")
+        }
+        if (obj.optBoolean("activationPending", false)) {
+            throw MfaisaWalletNotReadyException("Your M-Faisa wallet activation is still pending. Complete it in the Ooredoo SuperApp first.")
+        }
+        val kyc = obj.optString("kycStatus")
+        if (kyc != "Full KYC") {
+            throw MfaisaKycRequiredException(kyc)
+        }
+        return obj
+    }
+
+    /**
+     * Step 1: submit the PIN. Returns parsed login result on success.
+     * Throws [MfaisaInvalidPinException] on a rejected PIN (with [MfaisaInvalidPinException.lastAttempt] = true
+     * if the server's message says "one more wrong attempt will lock your account").
+     */
+    fun doMobileLogin(msisdn: String, pin: String): MfaisaLoginResult {
+        val mobileEnc = MfaisaCrypto.encryptMobile(msisdn)
+        val userNameEnc = MfaisaCrypto.encryptMobile(msisdn)  // independent encryption, same plaintext
+        val pinEnc = MfaisaCrypto.encryptPin(pin)
+
+        val deviceId = androidId()
+        val deviceGeo = JSONObject()
+            .put("appType", "CustomerAndroid")
+            .put("appversion", "1.0")
+            .put("deviceId", deviceId)
+            .put("deviceManufacturer", Build.MANUFACTURER)
+            .put("imieNumber", deviceId)
+            .put("ipaddress", "11.22.33.55")
+            .put("latitude", "0.0")
+            .put("longitude", "0.0")
+            .put("simId", deviceId)
+
+        val formData = JSONObject()
+            .put("deviceGeoInfo", deviceGeo)
+            .put("mPin", pinEnc)
+            .put("mobileNumber", mobileEnc)
+            .put("role", "RETAIL_SUBSCRIBER")
+            .put("tenantCode", "ooredoo")
+            .put("userName", userNameEnc)
+            .toString()
+            .matchGsonHtmlSafe()
+
+        val body = FormBody.Builder()
+            .add("channel", "C03")
+            .add("formData", formData)
+            .add("formDataCs", "null")
+            .build()
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/doMobileLogin")
+                .post(body)
+                .build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty login response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        // Wrong-PIN response is a JSON array; success is an object.
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val arr = JSONArray(trimmed)
+            val first = arr.optJSONObject(0)
+            val errObj = first?.optJSONArray("error")?.optJSONObject(0)
+            val msg = errObj?.optString("errorMessage")
+                ?: first?.optString("message") ?: "Login failed"
+            val lastAttempt = msg.contains("one more", ignoreCase = true) ||
+                              msg.contains("will lock", ignoreCase = true)
+            throw MfaisaInvalidPinException(msg, lastAttempt)
+        }
+
+        val obj = try { JSONObject(trimmed) } catch (e: JSONException) {
+            throw Exception("Unexpected login response")
+        }
+        if (!obj.optBoolean("success", false)) {
+            throw MfaisaInvalidPinException(obj.optString("message").ifBlank { "Login failed" }, false)
+        }
+        // Defensive: server also returns kycStatus on success.
+        val kyc = obj.optString("kycStatus")
+        if (kyc.isNotBlank() && kyc != "Full KYC") {
+            throw MfaisaKycRequiredException(kyc)
+        }
+
+        val session = MfaisaSession(
+            loginExchangeKey = obj.optString("loginExchangeKey"),
+            sessionTimeoutSec = obj.optString("mobileLoginSessionTimeout").toIntOrNull() ?: 240,
+            msisdn = msisdn,
+            subscriberId = obj.optString("suscriberId")
+        )
+
+        // pocketDetails[0] holds this user's identity + pockets.
+        val pd = obj.optJSONArray("pocketDetails")?.optJSONObject(0) ?: JSONObject()
+        val profile = MfaisaUserProfile(
+            name = pd.optString("name").ifBlank { "M-Faisa" },
+            email = pd.optString("eMailId"),
+            mdnId = pd.optString("mdnId").ifBlank { msisdn },
+            roleId = pd.optString("roleId"),
+            walletId = pd.optString("walletId"),
+            subscriberId = obj.optString("suscriberId"),
+            offerId = pd.optString("offerId")
+        )
+        val pockets = mutableListOf<MfaisaPocket>()
+        val pktArr = pd.optJSONArray("pocketSummaryDetailsArrayDTO") ?: JSONArray()
+        for (i in 0 until pktArr.length()) {
+            val p = pktArr.getJSONObject(i)
+            val bal = p.optJSONObject("balanceAmount") ?: JSONObject()
+            pockets += MfaisaPocket(
+                pocketId = p.optString("pocketId"),
+                pocketType = p.optString("pocketType"),
+                pocketValueType = p.optString("pocketValueType"),
+                nickname = p.optString("nickName"),
+                currency = bal.optString("currencyCode", "MVR"),
+                balance = bal.optDouble("amount", 0.0),
+                isDefault = p.optBoolean("isDefaultPocket", false),
+                isSecondary = p.optBoolean("isSecondaryPocket", false),
+                statusType = p.optString("statusType"),
+                displayName = p.optString("displayName")
+            )
+        }
+
+        return MfaisaLoginResult(session, profile, pockets)
+    }
+
+    private fun androidId(): String {
+        return Settings.Secure.getString(appContext.contentResolver, Settings.Secure.ANDROID_ID)
+            ?: "0000000000000000"
+    }
+
+    /**
+     * Make the body byte-identical to what the official app's Gson serializer emits:
+     *   1. `\/` (org.json's default escape for `/`) → `/`
+     *   2. `=` → `=` (Gson `htmlSafe` mode)
+     * Both are technically valid JSON either way, but the M-Faisa server's parser appears strict.
+     */
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaModels.kt

@@ -0,0 +1,69 @@
+package sh.sar.basedbank.api.mfaisa
+
+data class MfaisaSession(
+    val loginExchangeKey: String,
+    val sessionTimeoutSec: Int,
+    val msisdn: String = "",
+    val subscriberId: String = ""
+)
+
+/** Subset of the doMobileLogin success response we keep around. */
+data class MfaisaUserProfile(
+    val name: String,
+    val email: String,
+    val mdnId: String,
+    val roleId: String,
+    val walletId: String,
+    val subscriberId: String,
+    val offerId: String
+)
+
+/** Pocket = M-Faisa balance bucket (E-Money MVR, IMT MVR, PayPal USD). */
+data class MfaisaPocket(
+    val pocketId: String,
+    val pocketType: String,        // INTERNAL, ...
+    val pocketValueType: String,   // EMONEY, PAYPAL_USD, ...
+    val nickname: String,
+    val currency: String,          // MVR, USD
+    val balance: Double,
+    val isDefault: Boolean,
+    val isSecondary: Boolean,
+    val statusType: String,
+    val displayName: String
+)
+
+data class MfaisaLoginResult(
+    val session: MfaisaSession,
+    val profile: MfaisaUserProfile,
+    val pockets: List<MfaisaPocket>
+)
+
+/** Thrown when the wallet is not "Full KYC" — login must abort. */
+class MfaisaKycRequiredException(val kycStatus: String) :
+    Exception("M-Faisa wallet is not fully verified (kycStatus=$kycStatus)")
+
+/** Thrown when this MSISDN has no M-Faisa wallet at all — user must sign up in the Ooredoo SuperApp. */
+class MfaisaNotRegisteredException : Exception("This number does not have an M-Faisa wallet")
+
+/** Thrown when fetchSubscriberByMDN says the wallet exists but is not yet usable (no PIN, activation pending, …). */
+class MfaisaWalletNotReadyException(message: String) : Exception(message)
+
+/**
+ * Thrown for an invalid PIN. The PIN field should be re-enabled.
+ * [lastAttempt] is true when the server's message warns the user one more wrong attempt will lock their account.
+ */
+class MfaisaInvalidPinException(message: String, val lastAttempt: Boolean = false) : Exception(message)
+
+/**
+ * Thrown when a session-scoped M-Faisa endpoint returns the
+ * `[{ ..., "attributeValue": "SESSION_EXPIRED", ... }]` envelope (still as HTTP 200).
+ * Callers should re-run the login (`fetchSubscriber` + `doMobileLogin`) using the saved
+ * credentials and retry the request once.
+ */
+class MfaisaSessionExpiredException : Exception("M-Faisa session expired")
+
+/** Thrown by [MfaisaTransferClient.searchRecipient] when no M-Faisa wallet exists for the queried MSISDN. */
+class MfaisaRecipientNotFoundException : Exception("No M-Faisa wallet found for this number")
+
+/** Thrown by [MfaisaTransferClient.confirmTransfer] when the OTP is rejected. */
+class MfaisaInvalidOtpException(message: String) : Exception(message)

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaTransferClient.kt

@@ -0,0 +1,269 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.os.Build
+import android.provider.Settings
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * Three-step M-Faisa transfer flow:
+ *   1. [searchRecipient]  POST /Pocket/basicBeneDetails    — look up the recipient
+ *   2. [initiateTransfer] POST /initiateFTRequest           — kicks off the transfer; server SMSes an OTP
+ *   3. [confirmTransfer]  POST /confirmFTRequest            — submit the OTP to actually move the money
+ *
+ * Every request uses the same anti-replay scheme as the history endpoint (see [MfaisaHistoryClient]):
+ * `rndValue` = `encryptPin(timestampStr)` and `csValue` = `Adler32(formDataJson + timestampStr)`.
+ *
+ * On a session timeout the server returns `[{... "attributeValue":"SESSION_EXPIRED" ...}]` with HTTP 200;
+ * each method throws [MfaisaSessionExpiredException] in that case so the caller can re-login and retry.
+ */
+class MfaisaTransferClient(private val deviceId: String) {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+    private val random = SecureRandom()
+
+    // ─── Step 1: recipient lookup ────────────────────────────────────────────
+
+    /**
+     * Result of [searchRecipient]. The MVR pocket (`isMvr`) is the only target for outgoing transfers
+     * in Thijooree — PayPal pockets are not supported as recipients.
+     */
+    data class Recipient(
+        val name: String,
+        val msisdn: String,        // already includes the "960" prefix, as returned by the server
+        val mvrPocketId: String?,
+        val paypalPocketId: String?,
+        val walletId: String,
+        val actorId: String
+    ) {
+        val isMvr: Boolean get() = mvrPocketId != null
+    }
+
+    /** @throws MfaisaRecipientNotFoundException if no M-Faisa wallet exists for [recipientMsisdn]. */
+    fun searchRecipient(session: MfaisaSession, recipientMsisdn: String): Recipient {
+        require(session.msisdn.isNotBlank() && session.subscriberId.isNotBlank()) {
+            "session is missing fields required for basicBeneDetails"
+        }
+        val formData = JSONObject()
+            .put("beneficaryDetails", JSONObject()
+                .put("MDNId", MfaisaCrypto.encryptMobile(recipientMsisdn))
+                .put("actorRoleType", "RETAIL_SUBSCRIBER"))
+            .put("initiatorDetailsDTO", JSONObject()
+                .put("initiatingMDN", MfaisaCrypto.encryptMobile(session.msisdn))
+                .put("initiatingRoleId", session.subscriberId)
+                .put("initiatorRole", "RETAIL_SUBSCRIBER"))
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "SubscriberApp")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/Pocket/basicBeneDetails", body)
+        // Response shape: `[{ success, response: [[pocket1, pocket2, ...]] }]`
+        val arr = JSONArray(raw.trimStart())
+        val first = arr.optJSONObject(0) ?: throw Exception("Unexpected response")
+        if (!first.optBoolean("success", false)) {
+            handleSessionExpiry(first)
+            val msg = first.optString("message")
+            if (msg.contains("not found", ignoreCase = true)) throw MfaisaRecipientNotFoundException()
+            throw Exception(msg.ifBlank { "Recipient lookup failed" })
+        }
+        val outer = first.optJSONArray("response") ?: throw Exception("Empty recipient list")
+        val pockets = outer.optJSONArray(0) ?: throw MfaisaRecipientNotFoundException()
+        if (pockets.length() == 0) throw MfaisaRecipientNotFoundException()
+
+        var name = ""
+        var msisdn = ""
+        var mvr: String? = null
+        var paypal: String? = null
+        var wallet = ""
+        var actor = ""
+        for (i in 0 until pockets.length()) {
+            val p = pockets.getJSONObject(i)
+            if (name.isBlank())    name    = p.optString("name")
+            if (msisdn.isBlank())  msisdn  = p.optString("MDNId")
+            if (wallet.isBlank())  wallet  = p.optString("walletId")
+            if (actor.isBlank())   actor   = p.optString("actorId")
+            when (p.optString("pocketValueType")) {
+                "EMONEY"     -> mvr = p.optString("pocketId")
+                "PAYPAL_USD" -> paypal = p.optString("pocketId")
+            }
+        }
+        return Recipient(name, msisdn, mvr, paypal, wallet, actor)
+    }
+
+    // ─── Step 2: initiate (server sends OTP) ─────────────────────────────────
+
+    /** Returns the `referenceId` to be passed to [confirmTransfer]. */
+    fun initiateTransfer(
+        session: MfaisaSession,
+        sourcePocketId: String,
+        recipient: Recipient,
+        amount: String,
+        description: String
+    ): String {
+        require(recipient.isMvr) { "M-Faisa transfers can only target the recipient's MVR pocket" }
+
+        // Inner formData JSON. The server expects PLAINTEXT mobile numbers here (already
+        // prefixed with "960" — recipient.msisdn already includes that), unlike step 1 which
+        // encrypts them.
+        val formData = JSONObject()
+            .put("MDNId", recipient.msisdn)
+            .put("beneDetails", JSONObject()
+                .put("miscDetails", description)
+                .put("transferMode", "MOBILE"))
+            .put("channel", "SubscriberApp")
+            .put("commodityType", "WALLET")
+            .put("description", description)
+            .put("inputDetailsDTO", JSONObject()
+                .put("deviceId", deviceId)
+                .put("simId", deviceId))
+            .put("mfs-transactionType", "send-money-to-mobile")
+            .put("pocketId", "")
+            .put("sourceDetails", JSONObject()
+                .put("MDNId", "960${session.msisdn}")
+                .put("actorRoleType", "RETAIL_SUBSCRIBER")
+                .put("pocketId", sourcePocketId))
+            .put("transactionAmount", amount)
+            .put("transactionCurrency", "MVR")
+            .put("transferMode", "MOBILE")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        // The "identifier" top-level field is the recipient MDN re-encrypted (matches step 1's
+        // `beneficaryDetails.MDNId` plaintext; independent OAEP randomness gives a different ciphertext).
+        val identifier = MfaisaCrypto.encryptMobile(recipient.msisdn.removePrefix("960"))
+
+        val body = FormBody.Builder()
+            .add("identifier", identifier)
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("transferMode", "MOBILE")
+            .add("channel", "C03")   // NB: top-level "C03", inner formData.channel is "SubscriberApp"
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("tPin", "")
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/initiateFTRequest", body)
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            handleSessionExpiry(errArr.optJSONObject(0))
+            val errObj = errArr.optJSONObject(0)?.optJSONArray("error")?.optJSONObject(0)
+            throw Exception(errObj?.optString("errorMessage")?.ifBlank { null } ?: "Transfer initiation failed")
+        }
+        val obj = JSONObject(trimmed)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Transfer initiation failed" })
+        }
+        val responseArr = obj.optJSONArray("response") ?: throw Exception("Missing response array")
+        val responseObj = responseArr.optJSONObject(0)?.optJSONObject("responseObject")
+            ?: throw Exception("Missing responseObject")
+        val refId = responseObj.optString("referenceId")
+        if (refId.isBlank()) throw Exception("Server did not return a referenceId")
+        return refId
+    }
+
+    // ─── Step 3: confirm with OTP ────────────────────────────────────────────
+
+    /** Submits [otpCode] for [referenceId]. Throws on invalid OTP / server failure. */
+    fun confirmTransfer(session: MfaisaSession, referenceId: String, otpCode: String) {
+        val formData = JSONObject().put("referenceId", referenceId).toString().matchGsonHtmlSafe()
+        val transactionAuthDetails = JSONObject()
+            .put("authenticationType", "OTP")
+            .put("authenticationValue", MfaisaCrypto.encryptPin(otpCode))  // same cipher as PIN
+            .put("otpTransactionType", "TRANSACTION")
+            .put("referenceId", referenceId)
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("transactionAuthDetails", transactionAuthDetails)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/confirmFTRequest", body)
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            handleSessionExpiry(errArr.optJSONObject(0))
+            val errObj = errArr.optJSONObject(0)?.optJSONArray("error")?.optJSONObject(0)
+            val attr = errObj?.optString("attributeName")
+            val msg = errObj?.optString("errorMessage")?.ifBlank { null }
+                ?: errArr.optJSONObject(0)?.optString("message")
+            if (attr.equals("OTP", ignoreCase = true) || (msg ?: "").contains("OTP", ignoreCase = true)) {
+                throw MfaisaInvalidOtpException(msg ?: "Invalid OTP")
+            }
+            throw Exception(msg ?: "Transfer confirmation failed")
+        }
+        val obj = JSONObject(trimmed)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Transfer confirmation failed" })
+        }
+    }
+
+    // ─── Helpers ─────────────────────────────────────────────────────────────
+
+    private fun execute(url: String, body: okhttp3.RequestBody): String {
+        val resp = client.newCall(Request.Builder().url(url).post(body).build()).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+        return raw
+    }
+
+    private fun handleSessionExpiry(envelope: JSONObject?) {
+        val attr = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("attributeValue")
+        val code = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("errorCode")
+        if (attr == "SESSION_EXPIRED" || code == "SESSION_EXPIRED") throw MfaisaSessionExpiredException()
+    }
+
+    private fun makeAntiReplay(formJson: String): Pair<String, String> {
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply {
+            update((formJson + nonceStr).toByteArray(Charsets.UTF_8))
+        }.value.toString()
+        return rndValue to csValue
+    }
+
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+
+    companion object {
+        /** Convenience factory that pulls the device identifier the way [MfaisaLoginFlow] does. */
+        fun forContext(context: android.content.Context): MfaisaTransferClient {
+            val id = Settings.Secure.getString(context.applicationContext.contentResolver, Settings.Secure.ANDROID_ID)
+                ?: "0000000000000000"
+            // suppress "unused" — kept for symmetry with MfaisaLoginFlow if we later read Build.MANUFACTURER.
+            @Suppress("UNUSED_VARIABLE") val mfg = Build.MANUFACTURER
+            return MfaisaTransferClient(id)
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/ui/home/AccountHistoryFragment.kt

@@ -84,9 +84,10 @@ class AccountHistoryFragment : Fragment() {
         adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
         viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
 
-        // Show default account toggle only for non-card accounts
+        // Show default account toggle only for non-card, non-M-Faisa accounts.
+        // M-Faisa pockets (including PayPal) cannot be set as the default transfer/QR account.
         val isCard = AccountListParser.from(account)?.isCard ?: false
-        if (!isCard) {
+        if (!isCard && account.bank != "MFAISA") {
             val store = CredentialStore(requireContext())
             adapter.showDefaultToggle = true
             adapter.isDefaultAccount = store.getDefaultAccountNumber() == account.accountNumber

app/src/main/java/sh/sar/basedbank/ui/home/AccountsAdapter.kt

@@ -75,10 +75,12 @@ class AccountsAdapter(
             "BML"     -> "Bank of Maldives"
             "FAHIPAY" -> "Fahipay"
             "MIB"     -> "Maldives Islamic Bank"
+            "MFAISA"  -> if (account.profileType == "MFAISA_PAYPAL") "PayPal · M-Faisa" else "M-Faisa"
             else      -> account.bank
         }
         val profileLabel = when (account.bank) {
             "MIB" -> account.productCode.ifBlank { account.profileName }
+            "MFAISA" -> ""  // bank-level grouping is already specific (M-Faisa / PayPal · M-Faisa)
             else  -> account.profileName
         }
         return if (profileLabel.isNotBlank()) "$profileLabel · $bankName" else bankName
@@ -144,6 +146,7 @@ class AccountsAdapter(
                 "BML"     -> R.drawable.bml_logo_vector
                 "FAHIPAY" -> R.drawable.fahipay_logo
                 "MIB"     -> R.drawable.mib_logo
+                "MFAISA"  -> R.drawable.ooredoo_logo
                 else      -> null
             }
             if (staticLogo != null) binding.ivBankLogo.setImageResource(staticLogo)

app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt

@@ -202,9 +202,9 @@ class HomeActivity : AppCompatActivity() {
         }
 
         // Load data
-        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
+        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty() || app.mfaisaAccounts.isNotEmpty()) {
             // Came from fresh manual login — accounts ready, rest fetched in background
-            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
+            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts + app.mfaisaAccounts
             viewModel.accounts.value = merged.filterVisibleAccounts()
             if (app.mibAccounts.isNotEmpty()) AccountCache.save(this, app.mibAccounts)
             if (app.bmlAccounts.isNotEmpty()) {
@@ -215,6 +215,10 @@ class HomeActivity : AppCompatActivity() {
                 val byLoginId = app.fahipayAccounts.groupBy { it.loginTag.removePrefix("fahipay_") }
                 byLoginId.forEach { (loginId, accs) -> AccountCache.saveFahipay(this, loginId, accs) }
             }
+            if (app.mfaisaAccounts.isNotEmpty()) {
+                val byLoginId = app.mfaisaAccounts.groupBy { it.loginTag.removePrefix("mfaisa_") }
+                byLoginId.forEach { (loginId, accs) -> AccountCache.saveMfaisa(this, loginId, accs) }
+            }
 
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -238,7 +242,8 @@ class HomeActivity : AppCompatActivity() {
             val cachedMib = AccountCache.load(this)
             val cachedBml = AccountCache.loadBml(this, store.getBmlLoginIds())
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
-            val merged = cachedMib + cachedBml + cachedFahipay
+            val cachedMfaisa = AccountCache.loadMfaisa(this, store.getMfaisaLoginIds())
+            val merged = cachedMib + cachedBml + cachedFahipay + cachedMfaisa
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -695,17 +700,20 @@ fun applyNavLabelVisibility() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) {
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
         }
         // Immediately drop accounts for logged-out logins from the displayed list
         val current = viewModel.accounts.value ?: emptyList()
+        val mfaisaLoginIdsForFilter = store.getMfaisaLoginIds()
         viewModel.accounts.value = current.filter { acc ->
             if (acc.bank == "MIB") return@filter acc.loginTag.removePrefix("mib_") in mibLoginIds
             if (acc.bank == "BML") return@filter acc.loginTag.removePrefix("bml_") in bmlLoginIds
             if (acc.bank == "FAHIPAY") return@filter acc.loginTag.removePrefix("fahipay_") in fahipayLoginIds
+            if (acc.bank == "MFAISA") return@filter acc.loginTag.removePrefix("mfaisa_") in mfaisaLoginIdsForFilter
             true
         }
         autoRefresh(store)
@@ -724,7 +732,8 @@ fun applyNavLabelVisibility() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) return
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) return
         binding.refreshIndicator.visibility = View.VISIBLE
         hideConnectivityBanner()
 
@@ -898,17 +907,58 @@ fun applyNavLabelVisibility() {
                 }
             }
 
+            // One async job per M-Faisa login, all run in parallel.
+            // M-Faisa has no session refresh — sessions expire after ~240s — so we re-login each refresh.
+            val mfaisaJobs = mfaisaLoginIds.mapNotNull { loginId ->
+                val creds = store.loadMfaisaCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
+                    val loginTag = "mfaisa_$loginId"
+                    val flow = sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow(this@HomeActivity)
+                    try {
+                        flow.fetchSubscriber(creds.msisdn)
+                        val result = flow.doMobileLogin(creds.msisdn, creds.pin)
+                        val accounts = sh.sar.basedbank.api.mfaisa.MfaisaAccountClient.buildAccounts(result, loginTag)
+                        val app = application as BasedBankApp
+                        app.mfaisaSessions[loginId] = result.session
+                        store.saveMfaisaUserProfile(
+                            loginId,
+                            CredentialStore.MfaisaUserProfile(
+                                name = result.profile.name,
+                                email = result.profile.email,
+                                mdnId = result.profile.mdnId,
+                                subscriberId = result.profile.subscriberId,
+                                walletId = result.profile.walletId,
+                                roleId = result.profile.roleId,
+                                offerId = result.profile.offerId
+                            )
+                        )
+                        AccountCache.saveMfaisa(this@HomeActivity, loginId, accounts)
+                        accounts
+                    } catch (e: java.io.IOException) {
+                        refreshErrors.add("NO_INTERNET")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (e: BankServerException) {
+                        refreshErrors.add("SERVER:${e.bankName}")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (_: Exception) {
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    }
+                }
+            }
+
             val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
             val mibAccounts = mibResults.flatMap { it.second }
             val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
             val fahipayAccounts = fahipayJobs.flatMap { (_, job) -> job.await() }
+            val mfaisaAccounts = mfaisaJobs.flatMap { (_, job) -> job.await() }
 
             val app = application as BasedBankApp
             app.mibAccounts = mibAccounts
             AccountCache.save(this@HomeActivity, mibAccounts)
             app.bmlAccounts = bmlAccounts
             app.fahipayAccounts = fahipayAccounts
-            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts).filterVisibleAccounts())
+            app.mfaisaAccounts = mfaisaAccounts
+            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts + mfaisaAccounts).filterVisibleAccounts())
             binding.refreshIndicator.visibility = View.GONE
 
             val noInternet = refreshErrors.any { it == "NO_INTERNET" }
@@ -955,6 +1005,11 @@ fun applyNavLabelVisibility() {
                     val hidden = store.getHiddenBmlProfileIds(loginId)
                     hidden.isEmpty() || acc.profileId !in hidden
                 }
+                "MFAISA" -> {
+                    val loginId = acc.loginTag.removePrefix("mfaisa_")
+                    val hidden = store.getHiddenMfaisaPocketIds(loginId)
+                    hidden.isEmpty() || acc.accountNumber !in hidden
+                }
                 else -> true
             }
         }

app/src/main/java/sh/sar/basedbank/ui/home/SettingsLoginsFragment.kt

@@ -368,8 +368,9 @@ class SettingsLoginsFragment : Fragment() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
 
-        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
+        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty() || mfaisaLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
 
         for (loginId in mibLoginIds) {
             val profile = store.loadMibUserProfile(loginId)
@@ -396,6 +397,14 @@ class SettingsLoginsFragment : Fragment() {
                 showFahipayLoginDetails(store, loginId, profile)
             }
         }
+
+        for (loginId in mfaisaLoginIds) {
+            val profile = store.loadMfaisaUserProfile(loginId)
+            val displayName = profile?.name?.takeIf { it.isNotBlank() } ?: getString(R.string.ooredoo_name)
+            addLoginRow(container, R.drawable.ooredoo_logo, displayName) {
+                showMfaisaLoginDetails(store, loginId, profile)
+            }
+        }
     }
 
     private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> Unit) {
@@ -1065,6 +1074,152 @@ class SettingsLoginsFragment : Fragment() {
         buildLoginsSection()
     }
 
+    private fun showMfaisaLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.MfaisaUserProfile?
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+
+        val pockets = sh.sar.basedbank.util.AccountCache.loadMfaisa(ctx, loginId)
+        val hidden = store.getHiddenMfaisaPocketIds(loginId).toMutableSet()
+        val originalHidden = hidden.toSet()
+
+        // The user-visible "profiles" are: M-Faisa (every non-PayPal pocket) and PayPal (if linked).
+        // Each toggle covers the set of pocket account numbers that belong to that profile.
+        data class MfaisaProfileRow(val label: String, val pocketIds: Set<String>)
+        val mfaisaPockets = pockets.filter { it.profileType != "MFAISA_PAYPAL" }
+        val paypalPockets = pockets.filter { it.profileType == "MFAISA_PAYPAL" }
+        val profileRows = buildList {
+            if (mfaisaPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("M-Faisa", mfaisaPockets.map { it.accountNumber }.toSet()))
+            }
+            if (paypalPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("PayPal", paypalPockets.map { it.accountNumber }.toSet()))
+            }
+        }
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        listOfNotNull(
+            profile?.name?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: ${if (hide) masked else it}" },
+            profile?.mdnId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (profileRows.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        val toggleRows = profileRows.map { row ->
+            val v = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val label = TextView(ctx).apply {
+                text = row.label
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            val toggle = MaterialSwitch(ctx).apply {
+                isChecked = row.pocketIds.any { it !in hidden }
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    marginStart = (4 * dp).toInt()
+                }
+            }
+            v.addView(label)
+            v.addView(toggle)
+            container.addView(v)
+            row to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = toggleRows.count { (row, _) -> row.pocketIds.any { it !in hidden } }
+            toggleRows.forEach { (_, toggle) ->
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.ooredoo_name))
+            .setView(scroll)
+            .apply {
+                if (profileRows.isNotEmpty()) setPositiveButton(R.string.save, null)
+                setNeutralButton(R.string.close, null)
+                setNegativeButton(R.string.settings_logout) { _, _ ->
+                    confirmLogout(getString(R.string.ooredoo_name)) { logoutMfaisa(store, loginId) }
+                }
+            }
+            .show()
+
+        if (profileRows.isNotEmpty()) {
+            val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+            saveBtn.isEnabled = false
+            updateToggleStates(saveBtn)
+
+            toggleRows.forEach { (row, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (checked) hidden.removeAll(row.pocketIds) else hidden.addAll(row.pocketIds)
+                    updateToggleStates(saveBtn)
+                }
+            }
+
+            saveBtn.setOnClickListener {
+                store.setHiddenMfaisaPocketIds(loginId, hidden)
+                clearAllCaches(ctx)
+                dialog.dismiss()
+                (activity as? HomeActivity)?.relogin()
+            }
+        }
+    }
+
+    private fun logoutMfaisa(store: CredentialStore, loginId: String) {
+        val ctx = requireContext()
+        store.clearMfaisaCredentials(loginId)
+        val app = requireActivity().application as BasedBankApp
+        app.mfaisaSessions.remove(loginId)
+        app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != "mfaisa_$loginId" }
+        app.accounts = app.accounts.filter { it.loginTag != "mfaisa_$loginId" }
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
     private fun clearAllCaches(ctx: Context) {
         AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
         ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)

app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt

@@ -57,6 +57,7 @@ import sh.sar.basedbank.api.mib.MibTransferResult
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
+import sh.sar.basedbank.ui.home.transfer.MfaisaTransferHandler
 import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.AccountInputParser
@@ -130,6 +131,39 @@ class TransferFragment : Fragment() {
     private var pendingBmlTransfer: PendingBmlTransfer? = null
     private var accountDropdownAdapter: AccountDropdownAdapter? = null
 
+    /** Lazy: created the first time the user selects an MFAISA source account. */
+    private var mfaisaHandler: MfaisaTransferHandler? = null
+    private fun mfaisaHandler(): MfaisaTransferHandler =
+        mfaisaHandler ?: MfaisaTransferHandler(
+            fragment = this,
+            binding = binding,
+            viewModel = viewModel,
+            onRecipientChanged = {
+                // The handler resolved or cleared a recipient — keep the resolvedAccountNumber
+                // mirror in sync so the shared `updateTransferButton()` / clearForm() logic works.
+                val r = mfaisaHandler?.recipient
+                if (r != null) {
+                    resolvedAccountNumber = r.msisdn
+                    resolvedRecipientName = r.name
+                    resolvedDestCurrency = "MVR"
+                    resolvedBankName = "Ooredoo M-Faisa"
+                } else {
+                    resolvedAccountNumber = ""
+                    resolvedRecipientName = ""
+                    resolvedDestCurrency = ""
+                    resolvedBankName = ""
+                }
+                updateTransferButton()
+            },
+            onTransferSuccess = { receipt, avatar ->
+                ReceiptStore.save(requireContext(), receipt)
+                clearForm()
+                val activity = requireActivity() as HomeActivity
+                activity.triggerRefresh()
+                activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+            }
+        ).also { mfaisaHandler = it }
+
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
@@ -518,16 +552,60 @@ class TransferFragment : Fragment() {
         }
     }
 
+    /** Toggle the "To" row's affordances + keyboard hints depending on whether the source is MFAISA. */
+    private fun applyMfaisaToFieldMode(mfaisa: Boolean) {
+        if (mfaisa) {
+            binding.tilTo.hint = getString(R.string.ooredoo_phone)
+            binding.etTo.inputType = android.text.InputType.TYPE_CLASS_PHONE
+            // Phone-only flow — hide the QR scanner + contact picker icons next to the To field
+            binding.btnPickContact.visibility = View.GONE
+            binding.btnScanQr.visibility = View.GONE
+            // Any previously-resolved non-MFAISA recipient (or stale state) is no longer valid
+            if (resolvedAccountNumber.isNotBlank() && mfaisaHandler?.recipient == null) {
+                resolvedAccountNumber = ""
+                resolvedRecipientName = ""
+                resolvedDestCurrency = ""
+                resolvedToOwnAccount = null
+                binding.cardToInfo.visibility = View.GONE
+                binding.tilTo.visibility = View.VISIBLE
+                binding.etTo.setText("")
+            }
+        } else {
+            binding.tilTo.hint = getString(R.string.transfer_to)
+            binding.etTo.inputType = android.text.InputType.TYPE_CLASS_TEXT or android.text.InputType.TYPE_TEXT_FLAG_NO_SUGGESTIONS
+            binding.btnPickContact.visibility = View.VISIBLE
+            binding.btnScanQr.visibility = View.VISIBLE
+            // Drop any M-Faisa-resolved recipient when switching banks
+            if (mfaisaHandler?.recipient != null) {
+                mfaisaHandler?.clearState()
+                resolvedAccountNumber = ""
+                resolvedRecipientName = ""
+                resolvedDestCurrency = ""
+                resolvedToOwnAccount = null
+                binding.cardToInfo.visibility = View.GONE
+                binding.tilTo.visibility = View.VISIBLE
+                binding.etTo.setText("")
+            }
+        }
+    }
+
     private fun showFromCard(account: BankAccount) {
+        // Apply per-source "To"-row configuration before painting the card. M-Faisa transfers
+        // only target phone numbers (looked up via basicBeneDetails), so the QR / contact-picker
+        // affordances are hidden and the keyboard is set to phone-numeric.
+        applyMfaisaToFieldMode(account.bank == "MFAISA")
+
         val colorHex = when (account.bank) {
             "BML"     -> "#0066A1"
             "FAHIPAY" -> "#15BEA7"
+            "MFAISA"  -> "#ED1C24"
             else      -> "#FE860E"
         }
         val bankLabel = when (account.bank) {
             "BML"     -> "BML"
             "FAHIPAY" -> "FP"
             "MIB"     -> "MIB"
+            "MFAISA"  -> "M-Faisa"
             else      -> null
         }
         val typeLabel = AccountListParser.from(account)?.typeLabel
@@ -561,11 +639,18 @@ class TransferFragment : Fragment() {
                 binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivFromPhoto.setImageResource(R.drawable.fahipay_logo)
             }
-            else -> {
+            account.bank == "MFAISA" -> {
+                binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                binding.ivFromPhoto.setImageResource(R.drawable.ooredoo_logo)
+            }
+            account.bank == "MIB" -> {
                 binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivFromPhoto.setImageResource(R.drawable.mib_logo)
                 if (account.profileImageHash != null) loadFromPhoto(account.profileImageHash)
             }
+            else -> {
+                binding.ivFromPhoto.setImageDrawable(null)
+            }
         }
         binding.tilFrom.visibility = View.GONE
         binding.cardFromInfo.visibility = View.VISIBLE
@@ -618,11 +703,18 @@ class TransferFragment : Fragment() {
                 binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivToPhoto.setImageResource(R.drawable.fahipay_logo)
             }
-            else -> {
+            account.bank == "MFAISA" -> {
+                binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            }
+            account.bank == "MIB" -> {
                 binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivToPhoto.setImageResource(R.drawable.mib_logo)
                 if (account.profileImageHash != null) loadToPhoto(account.profileImageHash, isProfile = true)
             }
+            else -> {
+                binding.ivToPhoto.setImageDrawable(null)
+            }
         }
     }
 
@@ -649,7 +741,14 @@ class TransferFragment : Fragment() {
     }
 
     private fun setupAccountLookup() {
-        binding.tilTo.setEndIconOnClickListener { lookupAccount() }
+        binding.tilTo.setEndIconOnClickListener {
+            // M-Faisa source uses an entirely different lookup path (phone → basicBeneDetails)
+            if (selectedAccount?.bank == "MFAISA") {
+                mfaisaHandler().searchRecipient(binding.etTo.text?.toString().orEmpty())
+            } else {
+                lookupAccount()
+            }
+        }
 
         binding.btnClearToInfo.setOnClickListener {
             if (bmlQrInfo != null) {
@@ -665,12 +764,15 @@ class TransferFragment : Fragment() {
             resolvedDestCurrency = ""
             resolvedToOwnAccount = null
             selectedFahipayService = null
+            mfaisaHandler?.clearState()
             binding.cardToInfo.visibility = View.GONE
             binding.layoutServiceSelector.visibility = View.INVISIBLE
             binding.tilTo.visibility = View.VISIBLE
             binding.btnPickContact.visibility = View.VISIBLE
             binding.btnScanQr.visibility = View.VISIBLE
             binding.tilTo.error = null
+            // Re-apply MFAISA-mode if needed (hides QR/contact picker + sets phone keyboard)
+            applyMfaisaToFieldMode(selectedAccount?.bank == "MFAISA")
             updateTransferButton()
         }
 
@@ -681,10 +783,12 @@ class TransferFragment : Fragment() {
                 resolvedRecipientName = ""
                 resolvedDestCurrency = ""
                 resolvedToOwnAccount = null
+                mfaisaHandler?.clearState()
                 binding.cardToInfo.visibility = View.GONE
                 binding.tilTo.visibility = View.VISIBLE
                 binding.btnPickContact.visibility = View.VISIBLE
                 binding.btnScanQr.visibility = View.VISIBLE
+                applyMfaisaToFieldMode(selectedAccount?.bank == "MFAISA")
                 updateTransferButton()
             }
         }
@@ -1083,6 +1187,12 @@ class TransferFragment : Fragment() {
     }
 
     private fun initiateTransfer() {
+        // M-Faisa source: the entire flow (initiate + OTP + confirm) lives in the handler.
+        if (selectedAccount?.bank == "MFAISA") {
+            mfaisaHandler().submit()
+            return
+        }
+
         // BML QR merchant payment — uses shared confirm dialog, no receipt
         bmlQrInfo?.let { info ->
             val src = selectedAccount ?: run {
@@ -2075,6 +2185,7 @@ class TransferFragment : Fragment() {
 
     private fun clearForm() {
         resetBmlOtpState()
+        mfaisaHandler?.clearState()
         selectedAccount = null
         binding.actvFrom.setText("", false)
         binding.cardFromInfo.visibility = View.GONE
@@ -2195,6 +2306,9 @@ class TransferFragment : Fragment() {
         bmlOtpState = BmlOtpState.NONE
         pendingBmlTransfer = null
         bmlOtpChannel = null
+        // The M-Faisa handler holds binding refs; drop it so the next view gets a fresh one.
+        mfaisaHandler?.clearState()
+        mfaisaHandler = null
         _binding = null
     }
 

app/src/main/java/sh/sar/basedbank/ui/home/TransferHistoryFragment.kt

@@ -27,6 +27,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.mfaisa.MfaisaHistoryClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibHistoryClient
@@ -61,12 +62,18 @@ class TransferHistoryFragment : Fragment() {
         var bmlTotalPages: Int = -1,
         var cardMonthOffset: Int = 0,
         var fahipayNextStart: Int = 0,
-        var fahipayTotal: Int = -1
+        var fahipayTotal: Int = -1,
+        var mfaisaNextPage: Int = 1,
+        var mfaisaHasMore: Boolean = true
     ) {
+        // PayPal pockets have no known history endpoint, so they don't paginate here.
+        private val isMfaisaPaypal get() = account.profileType == "MFAISA_PAYPAL"
+
         fun hasMore(): Boolean = when {
             account.bank == "FAHIPAY"                                                       -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
             account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT" -> cardMonthOffset < 2
             account.bank == "BML"                                                           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+            account.bank == "MFAISA"                                                        -> !isMfaisaPaypal && mfaisaHasMore
             else                                                                            -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
     }
@@ -236,6 +243,36 @@ class TransferHistoryFragment : Fragment() {
                     }
                 }.awaitAll().flatten())
 
+                // M-Faisa accounts (PayPal pockets are skipped by hasMore())
+                val mfaisaStates = activeStates.filter { it.account.bank == "MFAISA" }
+                for (state in mfaisaStates) {
+                    var session = app.mfaisaSessionFor(state.account) ?: continue
+                    try {
+                        val page = try {
+                            MfaisaHistoryClient().fetchHistory(
+                                session            = session,
+                                accountNumber      = state.account.accountNumber,
+                                accountDisplayName = state.account.accountBriefName,
+                                pageNo             = state.mfaisaNextPage,
+                                recordSize         = 70
+                            )
+                        } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                            val loginId = state.account.loginTag.removePrefix("mfaisa_")
+                            session = app.refreshMfaisaSession(loginId) ?: continue
+                            MfaisaHistoryClient().fetchHistory(
+                                session            = session,
+                                accountNumber      = state.account.accountNumber,
+                                accountDisplayName = state.account.accountBriefName,
+                                pageNo             = state.mfaisaNextPage,
+                                recordSize         = 70
+                            )
+                        }
+                        state.mfaisaHasMore = page.hasMore
+                        state.mfaisaNextPage++
+                        results.addAll(page.transactions)
+                    } catch (e: Exception) { trackError(e) }
+                }
+
                 // Fahipay accounts
                 val fahipayStates = activeStates.filter { it.account.bank == "FAHIPAY" }
                 for (state in fahipayStates) {

app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt

@@ -0,0 +1,277 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import android.view.View
+import android.widget.Toast
+import androidx.fragment.app.Fragment
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mfaisa.MfaisaInvalidOtpException
+import sh.sar.basedbank.api.mfaisa.MfaisaRecipientNotFoundException
+import sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferReceiptData
+
+/**
+ * Owns the M-Faisa-only parts of the Transfer screen: phone-based recipient lookup,
+ * initiate-with-OTP, and confirm-with-OTP. Lives alongside [sh.sar.basedbank.ui.home.TransferFragment]
+ * which dispatches to it whenever [BankAccount.bank] == "MFAISA" is the selected source.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
+ * [Fragment.viewLifecycleOwner] and Context) — and must be re-created when the view is recreated.
+ */
+class MfaisaTransferHandler(
+    private val fragment: Fragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+    /** Hook called when M-Faisa successfully resolves or clears a recipient — fragment uses this to update Send-button state. */
+    private val onRecipientChanged: () -> Unit,
+    /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes account balances. */
+    private val onTransferSuccess: (TransferReceiptData, Bitmap?) -> Unit,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+
+    /** Set to the resolved recipient after a successful search; null otherwise. */
+    var recipient: MfaisaTransferClient.Recipient? = null
+        private set
+
+    private var lookupInFlight = false
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /** Whether the recipient lookup has resolved — gates the Send button. */
+    fun isRecipientReady(): Boolean = recipient?.isMvr == true
+
+    /** Triggered when the user taps the search end-icon in `tilTo` (and source bank is MFAISA). */
+    fun searchRecipient(rawInput: String) {
+        if (lookupInFlight) return
+        val phone = rawInput.trim().removePrefix("960")
+        if (phone.isEmpty() || phone.length < 7) {
+            binding.tilTo.error = "Enter a valid mobile number"
+            return
+        }
+        binding.tilTo.error = null
+
+        val source = currentSource() ?: return
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        lookupInFlight = true
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val result = withContext(Dispatchers.IO) {
+                    try {
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(session, phone)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(fresh, phone)
+                    }
+                }
+                if (!result.isMvr) {
+                    // Server returned the user but only with a PayPal pocket — not supported.
+                    binding.tilTo.error = "This number doesn't have an MVR M-Faisa pocket"
+                } else {
+                    recipient = result
+                    showResolvedRecipient(result)
+                }
+            } catch (_: MfaisaRecipientNotFoundException) {
+                binding.tilTo.error = "No M-Faisa wallet found for this number"
+            } catch (e: java.io.IOException) {
+                Toast.makeText(ctx, R.string.connectivity_no_internet, Toast.LENGTH_SHORT).show()
+            } catch (e: Exception) {
+                binding.tilTo.error = e.message ?: "Lookup failed"
+            } finally {
+                lookupInFlight = false
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                onRecipientChanged()
+            }
+        }
+    }
+
+    /** Triggered when the user taps the Send button (and source bank is MFAISA). */
+    fun submit() {
+        val source = currentSource() ?: return
+        val r = recipient ?: run {
+            Toast.makeText(ctx, "Search for a recipient first", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim().orEmpty()
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+
+        val sourcePocketId = source.accountNumber  // pocketId IS the accountNumber for M-Faisa accounts
+
+        binding.btnTransfer.isEnabled = false
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val refId = try {
+                withContext(Dispatchers.IO) { initiateWithRetry(source, sourcePocketId, r, amountStr, remarks) }
+            } catch (e: Exception) {
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                binding.btnTransfer.isEnabled = true
+                showError(e)
+                return@launch
+            }
+            (fragment.activity as? HomeActivity)?.setRefreshing(false)
+            // Server has now SMSed an OTP to the user's phone. Prompt them for it.
+            promptForOtp(source, r, amountStr, remarks, refId, errorMsg = null)
+        }
+    }
+
+    /** Called when the source account changes away from M-Faisa (or the view tears down). */
+    fun clearState() {
+        recipient = null
+        lookupInFlight = false
+    }
+
+    // ─── Internal ────────────────────────────────────────────────────────────
+
+    private fun currentSource(): BankAccount? =
+        viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" && it.accountNumber == sourceAccountNumberFromCard() }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }  // fallback if from-card field isn't easily readable
+
+    private fun sourceAccountNumberFromCard(): String =
+        binding.tvFromAccountNumber.text?.toString().orEmpty()
+
+    private fun showResolvedRecipient(r: MfaisaTransferClient.Recipient) {
+        // Reuse the same recipient card the fragment uses for other banks. The fragment owns the
+        // card view, so we just populate its text fields and toggle visibility.
+        binding.tvToAccountName.text = r.name.ifBlank { r.msisdn }
+        binding.tvToBankBic.text = r.msisdn
+        binding.tvToAccountDetails.text = "Ooredoo M-Faisa · MVR"
+        binding.tvToAccountDetails.visibility = View.VISIBLE
+        binding.tvToBalance.visibility = View.GONE
+        binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+        binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        binding.cardToInfo.visibility = View.VISIBLE
+    }
+
+    /** Initiate with one automatic retry if the session has expired. */
+    private fun initiateWithRetry(
+        source: BankAccount,
+        sourcePocketId: String,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String
+    ): String {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        return try {
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(session, sourcePocketId, r, amountStr, remarks)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(fresh, sourcePocketId, r, amountStr, remarks)
+        }
+    }
+
+    private fun confirmWithRetry(source: BankAccount, refId: String, otpCode: String) {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        try {
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(session, refId, otpCode)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(fresh, refId, otpCode)
+        }
+    }
+
+    private fun promptForOtp(
+        source: BankAccount,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String,
+        refId: String,
+        errorMsg: String?
+    ) {
+        val dp = ctx.resources.displayMetrics.density
+        val input = android.widget.EditText(ctx).apply {
+            hint = "Enter SMS code"
+            inputType = android.text.InputType.TYPE_CLASS_NUMBER
+            filters = arrayOf(android.text.InputFilter.LengthFilter(6))
+            setPadding((24 * dp).toInt(), (8 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+        }
+        val message = buildString {
+            append("A 6-digit verification code has been sent to ${r.msisdn.replaceBefore('-', "")}.")
+            append("\n\nEnter it to complete the MVR $amountStr transfer to ${r.name}.")
+            if (errorMsg != null) append("\n\n$errorMsg")
+        }
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle("Enter verification code")
+            .setMessage(message)
+            .setView(input)
+            .setPositiveButton(R.string.verify, null)
+            .setNegativeButton(R.string.cancel) { d, _ ->
+                d.dismiss()
+                binding.btnTransfer.isEnabled = true
+            }
+            .setCancelable(false)
+            .show()
+        dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE).setOnClickListener {
+            val otp = input.text?.toString()?.trim().orEmpty()
+            if (otp.length != 6) { input.error = "Enter 6 digits"; return@setOnClickListener }
+            dialog.dismiss()
+            (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+            fragment.viewLifecycleOwner.lifecycleScope.launch {
+                try {
+                    withContext(Dispatchers.IO) { confirmWithRetry(source, refId, otp) }
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = "%.2f".format(amountStr.toDouble()),
+                        currency     = "MVR",
+                        fromLabel    = source.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = r.name.ifBlank { r.msisdn },
+                        toAccount    = r.msisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        bmlFromName  = source.accountBriefName,
+                        bmlReference = refId,
+                        bmlMessage   = "Transfer Completed Successfully"
+                    )
+                    onTransferSuccess(receipt, null)
+                } catch (e: MfaisaInvalidOtpException) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    // Server kept the referenceId alive — re-prompt without restarting initiate
+                    promptForOtp(source, r, amountStr, remarks, refId, e.message)
+                } catch (e: Exception) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    binding.btnTransfer.isEnabled = true
+                    showError(e)
+                }
+            }
+        }
+    }
+
+    private fun showError(e: Exception) {
+        val msg = when {
+            e is java.io.IOException -> ctx.getString(R.string.connectivity_no_internet)
+            !e.message.isNullOrBlank() -> e.message!!
+            else -> "Transfer failed"
+        }
+        Toast.makeText(ctx, msg, Toast.LENGTH_LONG).show()
+    }
+}

app/src/main/java/sh/sar/basedbank/ui/login/CredentialsFragment.kt

@@ -30,6 +30,12 @@ import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipayAccountClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.mfaisa.MfaisaAccountClient
+import sh.sar.basedbank.api.mfaisa.MfaisaInvalidPinException
+import sh.sar.basedbank.api.mfaisa.MfaisaKycRequiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow
+import sh.sar.basedbank.api.mfaisa.MfaisaNotRegisteredException
+import sh.sar.basedbank.api.mfaisa.MfaisaWalletNotReadyException
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfileClient
@@ -218,10 +224,7 @@ class CredentialsFragment : Fragment() {
         when (bankType) {
             "BML" -> { attemptBmlLogin(); return }
             "FAHIPAY" -> { attemptFahipayLogin(); return }
-            "OOREDOO" -> {
+            "OOREDOO" -> { attemptMfaisaLogin(); return }
-                Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-                return
-            }
         }
 
         val username = binding.etUsername.text.toString().trim()
@@ -429,6 +432,97 @@ class CredentialsFragment : Fragment() {
         startActivity(intent)
     }
 
+    private fun attemptMfaisaLogin() {
+        val msisdn = binding.etUsername.text.toString().trim()
+        val pin = binding.etPassword.text.toString()
+
+        if (msisdn.isEmpty() || pin.length != 4) {
+            binding.tvError.text = "Please enter your phone number and 4-digit mPIN"
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+        binding.etUsername.isEnabled = false
+        binding.etPassword.isEnabled = false
+
+        val store = CredentialStore(requireContext())
+        val flow = MfaisaLoginFlow(requireContext())
+        val loginTag = "mfaisa_$msisdn"
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                withContext(Dispatchers.IO) { flow.fetchSubscriber(msisdn) }
+                val result = withContext(Dispatchers.IO) { flow.doMobileLogin(msisdn, pin) }
+                val accounts = MfaisaAccountClient.buildAccounts(result, loginTag)
+
+                store.saveMfaisaCredentials(msisdn, msisdn, pin)
+                store.saveMfaisaUserProfile(
+                    msisdn,
+                    CredentialStore.MfaisaUserProfile(
+                        name = result.profile.name,
+                        email = result.profile.email,
+                        mdnId = result.profile.mdnId,
+                        subscriberId = result.profile.subscriberId,
+                        walletId = result.profile.walletId,
+                        roleId = result.profile.roleId,
+                        offerId = result.profile.offerId
+                    )
+                )
+                AccountCache.saveMfaisa(requireContext(), msisdn, accounts)
+
+                val app = requireActivity().application as BasedBankApp
+                app.mfaisaSessions[msisdn] = result.session
+                app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != loginTag } + accounts
+                app.accounts = app.accounts.filter { it.loginTag != loginTag } + accounts
+                app.isUnlocked = true
+
+                val intent = Intent(requireContext(), HomeActivity::class.java)
+                intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+                startActivity(intent)
+            } catch (e: MfaisaNotRegisteredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("User not registered")
+                    .setMessage("Please use the Ooredoo SuperApp to register your M-Faisa wallet and complete KYC, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaKycRequiredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("KYC incomplete")
+                    .setMessage("Your M-Faisa wallet needs Full KYC. Please complete KYC in the Ooredoo SuperApp, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaWalletNotReadyException) {
+                binding.tvError.text = e.message
+                binding.tvError.visibility = View.VISIBLE
+            } catch (e: MfaisaInvalidPinException) {
+                val message = if (e.lastAttempt)
+                    "${e.message}\n\nOne more wrong mPIN will lock your account."
+                else
+                    e.message
+                binding.tvError.text = message ?: "Incorrect mPIN"
+                binding.tvError.visibility = View.VISIBLE
+                // Re-enable PIN input only — leave phone number locked
+                binding.etPassword.isEnabled = true
+                binding.etPassword.setText("")
+                binding.etPassword.requestFocus()
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.etUsername.isEnabled = true
+                binding.etPassword.isEnabled = true
+            } finally {
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+                // After PIN error, keep phone disabled; for any other resolution above we already restored as needed.
+            }
+        }
+    }
+
     private fun attemptFahipayLogin() {
         if (fahipayAwaitingTotp) {
             submitFahipayTotp()

app/src/main/java/sh/sar/basedbank/util/AccountCache.kt

@@ -11,6 +11,7 @@ object AccountCache {
     private const val KEY_MIB = "mib_accounts"
     private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
     private fun fahipayKey(loginId: String) = "fahipay_accounts_$loginId"
+    private fun mfaisaKey(loginId: String) = "mfaisa_accounts_$loginId"
 
     fun save(context: Context, accounts: List<BankAccount>) {
         val arr = JSONArray()
@@ -150,6 +151,62 @@ object AccountCache {
     fun loadFahipay(context: Context, loginIds: List<String>): List<BankAccount> =
         loginIds.flatMap { loadFahipay(context, it) }
 
+    fun saveMfaisa(context: Context, loginId: String, accounts: List<BankAccount>) {
+        val arr = JSONArray()
+        for (acc in accounts) {
+            arr.put(JSONObject().apply {
+                put("profileName", acc.profileName)
+                put("profileType", acc.profileType)
+                put("accountNumber", acc.accountNumber)
+                put("accountBriefName", acc.accountBriefName)
+                put("currencyName", acc.currencyName)
+                put("accountTypeName", acc.accountTypeName)
+                put("availableBalance", acc.availableBalance)
+                put("currentBalance", acc.currentBalance)
+                put("blockedAmount", acc.blockedAmount)
+                put("mvrBalance", acc.mvrBalance)
+                put("statusDesc", acc.statusDesc)
+                put("loginTag", acc.loginTag)
+                put("profileId", acc.profileId)
+                put("internalId", acc.internalId)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(mfaisaKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadMfaisa(context: Context, loginId: String): List<BankAccount> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(mfaisaKey(loginId), null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                BankAccount(
+                    bank             = "MFAISA",
+                    profileName      = o.optString("profileName"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
+                    accountBriefName = o.optString("accountBriefName"),
+                    currencyName     = o.optString("currencyName"),
+                    accountTypeName  = o.optString("accountTypeName"),
+                    availableBalance = o.optString("availableBalance"),
+                    currentBalance   = o.optString("currentBalance"),
+                    blockedAmount    = o.optString("blockedAmount"),
+                    mvrBalance       = o.optString("mvrBalance"),
+                    statusDesc       = o.optString("statusDesc"),
+                    profileImageHash = null,
+                    loginTag         = o.optString("loginTag"),
+                    profileId        = o.optString("profileId", ""),
+                    internalId       = o.optString("internalId", "")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadMfaisa(context: Context, loginIds: List<String>): List<BankAccount> =
+        loginIds.flatMap { loadMfaisa(context, it) }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }

app/src/main/java/sh/sar/basedbank/util/AccountHistoryParser.kt

@@ -3,6 +3,7 @@ package sh.sar.basedbank.util
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.bmlapi.BmlHistoryParser
 import sh.sar.basedbank.util.fahipayapi.FahipayHistoryParser
+import sh.sar.basedbank.util.mfaisaapi.MfaisaHistoryParser
 import sh.sar.basedbank.util.mibapi.MibHistoryParser
 
 object AccountHistoryParser {
@@ -11,6 +12,7 @@ object AccountHistoryParser {
         "BML"     -> BmlHistoryParser.displayData(account)
         "FAHIPAY" -> FahipayHistoryParser.displayData(account)
         "MIB"     -> MibHistoryParser.displayData(account)
+        "MFAISA"  -> MfaisaHistoryParser.displayData(account)
         else      -> null
     }
 }

app/src/main/java/sh/sar/basedbank/util/AccountListParser.kt

@@ -3,6 +3,7 @@ package sh.sar.basedbank.util
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
 import sh.sar.basedbank.util.fahipayapi.FahipayAccountParser
+import sh.sar.basedbank.util.mfaisaapi.MfaisaAccountParser
 import sh.sar.basedbank.util.mibapi.MibAccountParser
 
 object AccountListParser {
@@ -11,6 +12,7 @@ object AccountListParser {
         "BML"     -> BmlDashboardParser.displayData(account)
         "FAHIPAY" -> FahipayAccountParser.displayData(account)
         "MIB"     -> MibAccountParser.displayData(account)
+        "MFAISA"  -> MfaisaAccountParser.displayData(account)
         else      -> null
     }
 }

app/src/main/java/sh/sar/basedbank/util/CredentialStore.kt

@@ -21,6 +21,7 @@ class CredentialStore(context: Context) {
     data class MibCredentials(val username: String, val passwordHash: String, val otpSeed: String)
     data class BmlCredentials(val username: String, val password: String, val otpSeed: String)
     data class FahipayCredentials(val idCard: String, val password: String)
+    data class MfaisaCredentials(val msisdn: String, val pin: String)
 
     // ── MIB login credentials (multi-login, keyed by loginId = username) ─────
 
@@ -460,6 +461,110 @@ class CredentialStore(context: Context) {
         editor.apply()
     }
 
+    // ── M-Faisa login credentials (multi-login, keyed by loginId = msisdn) ───
+
+    fun getMfaisaLoginIds(): List<String> {
+        val json = prefs.getString("mfaisa_login_ids", null) ?: return emptyList()
+        return try {
+            val arr = org.json.JSONArray(json)
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun hasMfaisaCredentials(): Boolean = getMfaisaLoginIds().isNotEmpty()
+
+    private fun addMfaisaLoginId(loginId: String) {
+        val ids = getMfaisaLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeMfaisaLoginId(loginId: String) {
+        val ids = getMfaisaLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveMfaisaCredentials(loginId: String, msisdn: String, pin: String) {
+        addMfaisaLoginId(loginId)
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("mfaisa_${loginId}_enc_msisdn", encrypt(msisdn, key))
+            .putString("mfaisa_${loginId}_enc_pin", encrypt(pin, key))
+            .apply()
+    }
+
+    fun loadMfaisaCredentials(loginId: String): MfaisaCredentials? {
+        val key = getOrCreateKey()
+        val encMsisdn = prefs.getString("mfaisa_${loginId}_enc_msisdn", null) ?: return null
+        val encPin = prefs.getString("mfaisa_${loginId}_enc_pin", null) ?: return null
+        return try {
+            MfaisaCredentials(decrypt(encMsisdn, key), decrypt(encPin, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearMfaisaCredentials(loginId: String) {
+        removeMfaisaLoginId(loginId)
+        prefs.edit()
+            .remove("mfaisa_${loginId}_enc_msisdn")
+            .remove("mfaisa_${loginId}_enc_pin")
+            .remove("mfaisa_${loginId}_enc_profile")
+            .remove("mfaisa_${loginId}_hidden_pockets")
+            .apply()
+    }
+
+    /** Pocket-level hide flags (parallels [getHiddenBmlProfileIds]). Keyed by pocket ID. */
+    fun getHiddenMfaisaPocketIds(loginId: String): Set<String> =
+        prefs.getStringSet("mfaisa_${loginId}_hidden_pockets", emptySet()) ?: emptySet()
+
+    fun setHiddenMfaisaPocketIds(loginId: String, ids: Set<String>) =
+        prefs.edit().putStringSet("mfaisa_${loginId}_hidden_pockets", ids).apply()
+
+    // ── M-Faisa user profile (per loginId) ────────────────────────────────────
+
+    data class MfaisaUserProfile(
+        val name: String,
+        val email: String,
+        val mdnId: String,
+        val subscriberId: String,
+        val walletId: String,
+        val roleId: String,
+        val offerId: String
+    )
+
+    fun saveMfaisaUserProfile(loginId: String, p: MfaisaUserProfile) {
+        val json = org.json.JSONObject().apply {
+            put("name", p.name)
+            put("email", p.email)
+            put("mdnId", p.mdnId)
+            put("subscriberId", p.subscriberId)
+            put("walletId", p.walletId)
+            put("roleId", p.roleId)
+            put("offerId", p.offerId)
+        }.toString()
+        val key = getOrCreateKey()
+        prefs.edit().putString("mfaisa_${loginId}_enc_profile", encrypt(json, key)).apply()
+    }
+
+    fun loadMfaisaUserProfile(loginId: String): MfaisaUserProfile? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mfaisa_${loginId}_enc_profile", null) ?: return null
+        return try {
+            val o = org.json.JSONObject(decrypt(enc, key))
+            MfaisaUserProfile(
+                name = o.optString("name"),
+                email = o.optString("email"),
+                mdnId = o.optString("mdnId"),
+                subscriberId = o.optString("subscriberId"),
+                walletId = o.optString("walletId"),
+                roleId = o.optString("roleId"),
+                offerId = o.optString("offerId")
+            )
+        } catch (_: Exception) { null }
+    }
+
     // ── Security credential (PIN / pattern hash) ──────────────────────────────
 
     /**

app/src/main/java/sh/sar/basedbank/util/HistoryFetcher.kt

@@ -6,6 +6,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.mfaisa.MfaisaHistoryClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibHistoryClient
 import sh.sar.basedbank.api.models.BankTransaction
@@ -24,6 +25,8 @@ class HistoryFetcher(private val account: BankAccount) {
     private val isBmlCard get() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT"
     private val isBmlLoan get() = account.profileType == "BML_LOAN"
     private val isFahipay get() = account.bank == "FAHIPAY"
+    private val isMfaisa  get() = account.bank == "MFAISA"
+    private val isMfaisaPaypal get() = account.profileType == "MFAISA_PAYPAL"
 
     // MIB pagination
     private var mibNextStart  = 1
@@ -55,12 +58,19 @@ class HistoryFetcher(private val account: BankAccount) {
     private var fahipayNextStart = 0
     private var fahipayTotal     = -1
 
+    // M-Faisa pagination — the server doesn't return a "total" field, so we infer "more pages exist"
+    // from whether the last page was full-sized.
+    private var mfaisaNextPage = 1
+    private var mfaisaHasMore  = true
+
     fun hasMore(): Boolean = when {
-        isBmlLoan -> false
+        isBmlLoan      -> false
-        isFahipay -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+        isMfaisaPaypal -> false  // PayPal pockets have no known history endpoint
-        isMib     -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+        isFahipay      -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-        isBmlCard -> cardMonthOffset < 3
+        isMib          -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
-        else      -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+        isBmlCard      -> cardMonthOffset < 3
+        isMfaisa       -> mfaisaHasMore
+        else           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
     }
 
     suspend fun fetchNextPage(app: BasedBankApp, pageSize: Int = 10): List<BankTransaction> = when {
@@ -68,9 +78,36 @@ class HistoryFetcher(private val account: BankAccount) {
         isFahipay -> withContext(Dispatchers.IO) { fetchFahipay(app) }
         isMib     -> app.mibMutex.withLock { withContext(Dispatchers.IO) { fetchMib(app, pageSize) } }
         isBmlCard -> withContext(Dispatchers.IO) { fetchBmlCard(app) }
+        isMfaisa  -> withContext(Dispatchers.IO) { fetchMfaisa(app) }
         else      -> withContext(Dispatchers.IO) { fetchBmlCasa(app) }
     }
 
+    private fun fetchMfaisa(app: BasedBankApp): List<BankTransaction> {
+        val loginId = account.loginTag.removePrefix("mfaisa_")
+        var session = app.mfaisaSessionFor(account) ?: return emptyList()
+        val page = try {
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+            session = app.refreshMfaisaSession(loginId) ?: return emptyList()
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        }
+        mfaisaHasMore = page.hasMore
+        mfaisaNextPage++
+        return page.transactions
+    }
+
     private fun fetchFahipay(app: BasedBankApp): List<BankTransaction> {
         val session = app.fahipaySessionFor(account) ?: return emptyList()
         val (list, total) = FahipayHistoryClient().fetchHistory(

app/src/main/java/sh/sar/basedbank/util/mfaisaapi/MfaisaAccountParser.kt

@@ -0,0 +1,14 @@
+package sh.sar.basedbank.util.mfaisaapi
+
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object MfaisaAccountParser {
+
+    fun displayData(account: BankAccount) = AccountListDisplay(
+        name      = account.accountBriefName,
+        number    = account.accountNumber,
+        typeLabel = account.accountTypeName,
+        balance   = "${account.currencyName} ${account.availableBalance}"
+    )
+}

app/src/main/java/sh/sar/basedbank/util/mfaisaapi/MfaisaHistoryParser.kt

@@ -0,0 +1,17 @@
+package sh.sar.basedbank.util.mfaisaapi
+
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object MfaisaHistoryParser {
+
+    fun displayData(account: BankAccount) = AccountHistoryDisplay(
+        name             = account.accountBriefName,
+        number           = account.accountNumber,
+        bankPill         = if (account.profileType == "MFAISA_PAYPAL") "PP" else "MF",
+        typeLabel        = account.accountTypeName,
+        availableBalance = "${account.currencyName} ${account.availableBalance}",
+        workingBalance   = "${account.currencyName} ${account.currentBalance}",
+        blockedBalance   = null
+    )
+}

app/src/main/res/values/strings.xml

@@ -30,9 +30,9 @@
     <string name="fahipay_verify">Verify</string>
     <string name="ooredoo_name">Ooredoo M-Faisa</string>
     <string name="ooredoo_desc">Mobile Wallet</string>
-    <string name="ooredoo_sign_in_desc">Enter your mobile number and 4-digit PIN.</string>
+    <string name="ooredoo_sign_in_desc">Enter your mobile number and 4-digit mPIN.</string>
     <string name="ooredoo_phone">Mobile Number</string>
-    <string name="ooredoo_pin">PIN</string>
+    <string name="ooredoo_pin">mPIN</string>
     <string name="sign_in">Sign In</string>
     <string name="sign_in_desc">Enter your Maldives Islamic Bank credentials.</string>
     <string name="bml_sign_in_desc">Enter your Bank of Maldives credentials.</string>