diff --git a/app/src/main/res/layout/fragment_bank_selection.xml b/app/src/main/res/layout/fragment_bank_selection.xml
index b842035..9780c82 100644
--- a/app/src/main/res/layout/fragment_bank_selection.xml
+++ b/app/src/main/res/layout/fragment_bank_selection.xml
@@ -38,7 +38,7 @@
             android:layout_marginBottom="16dp"
             android:clickable="true"
             android:focusable="true"
-            app:cardCornerRadius="16dp"
+            app:cardCornerRadius="@dimen/card_radius_lg"
             app:strokeWidth="1dp"
             app:strokeColor="?attr/colorOutline">
 
@@ -81,7 +81,7 @@
             android:layout_marginBottom="16dp"
             android:clickable="true"
             android:focusable="true"
-            app:cardCornerRadius="16dp"
+            app:cardCornerRadius="@dimen/card_radius_lg"
             app:strokeWidth="1dp"
             app:strokeColor="?attr/colorOutline">
 
@@ -125,7 +125,7 @@
             android:layout_marginBottom="16dp"
             android:clickable="true"
             android:focusable="true"
-            app:cardCornerRadius="16dp"
+            app:cardCornerRadius="@dimen/card_radius_lg"
             app:strokeWidth="1dp"
             app:strokeColor="?attr/colorOutline">
 
diff --git a/app/src/main/res/layout/fragment_credentials.xml b/app/src/main/res/layout/fragment_credentials.xml
index 55ef8fe..f5a0a85 100644
--- a/app/src/main/res/layout/fragment_credentials.xml
+++ b/app/src/main/res/layout/fragment_credentials.xml
@@ -117,8 +117,8 @@
             android:layout_marginBottom="8dp"
             android:visibility="invisible"
             app:cardBackgroundColor="?attr/colorSecondaryContainer"
-            app:cardCornerRadius="12dp"
-            app:cardElevation="0dp">
+            app:cardCornerRadius="@dimen/card_radius_md"
+            app:cardElevation="@dimen/card_elevation_flat">
 
             <LinearLayout
                 android:layout_width="match_parent"
diff --git a/app/src/main/res/layout/fragment_dashboard.xml b/app/src/main/res/layout/fragment_dashboard.xml
index f825edf..17ec6e6 100644
--- a/app/src/main/res/layout/fragment_dashboard.xml
+++ b/app/src/main/res/layout/fragment_dashboard.xml
@@ -34,8 +34,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginEnd="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp">
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md">
 
                 <LinearLayout
                     android:layout_width="match_parent"
@@ -67,8 +67,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginStart="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp">
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md">
 
                 <LinearLayout
                     android:layout_width="match_parent"
@@ -112,8 +112,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginEnd="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp">
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md">
 
                 <LinearLayout
                     android:layout_width="match_parent"
@@ -146,8 +146,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginStart="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp">
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md">
 
                 <LinearLayout
                     android:layout_width="match_parent"
@@ -191,8 +191,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginEnd="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp"
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md"
                 app:cardBackgroundColor="?attr/colorErrorContainer"
                 android:visibility="gone">
 
@@ -238,8 +238,8 @@
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginStart="8dp"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp"
+                app:cardElevation="@dimen/card_elevation_raised"
+                app:cardCornerRadius="@dimen/card_radius_md"
                 app:cardBackgroundColor="?attr/colorErrorContainer"
                 android:clickable="true"
                 android:focusable="true"
@@ -279,8 +279,8 @@
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:layout_marginTop="16dp"
-            app:cardElevation="1dp"
-            app:cardCornerRadius="12dp"
+            app:cardElevation="@dimen/card_elevation_raised"
+            app:cardCornerRadius="@dimen/card_radius_md"
             android:clickable="true"
             android:focusable="true">
 
diff --git a/app/src/main/res/layout/fragment_security_setup.xml b/app/src/main/res/layout/fragment_security_setup.xml
index 7146e00..2204712 100644
--- a/app/src/main/res/layout/fragment_security_setup.xml
+++ b/app/src/main/res/layout/fragment_security_setup.xml
@@ -52,7 +52,7 @@
                 android:layout_marginBottom="12dp"
                 android:clickable="true"
                 android:focusable="true"
-                app:cardCornerRadius="16dp"
+                app:cardCornerRadius="@dimen/card_radius_lg"
                 app:strokeWidth="1dp"
                 app:strokeColor="?attr/colorOutline">
                 <LinearLayout
@@ -94,7 +94,7 @@
                 android:layout_height="wrap_content"
                 android:clickable="true"
                 android:focusable="true"
-                app:cardCornerRadius="16dp"
+                app:cardCornerRadius="@dimen/card_radius_lg"
                 app:strokeWidth="1dp"
                 app:strokeColor="?attr/colorOutline">
                 <LinearLayout
diff --git a/app/src/main/res/layout/item_account_history_header.xml b/app/src/main/res/layout/item_account_history_header.xml
index 2866877..8ecad3e 100644
--- a/app/src/main/res/layout/item_account_history_header.xml
+++ b/app/src/main/res/layout/item_account_history_header.xml
@@ -7,8 +7,8 @@
     android:layout_marginHorizontal="16dp"
     android:layout_marginTop="12dp"
     android:layout_marginBottom="8dp"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="0dp"
+    app:cardCornerRadius="@dimen/card_radius_lg"
+    app:cardElevation="@dimen/card_elevation_flat"
     app:strokeWidth="1dp"
     app:strokeColor="?attr/colorOutlineVariant">
 
diff --git a/app/src/main/res/layout/item_bml_loan.xml b/app/src/main/res/layout/item_bml_loan.xml
index 5f40222..2a2b5a3 100644
--- a/app/src/main/res/layout/item_bml_loan.xml
+++ b/app/src/main/res/layout/item_bml_loan.xml
@@ -5,8 +5,8 @@
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:layout_marginBottom="12dp"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="0dp"
+    app:cardCornerRadius="@dimen/card_radius_lg"
+    app:cardElevation="@dimen/card_elevation_flat"
     app:strokeWidth="1dp"
     app:strokeColor="?attr/colorOutlineVariant">
 
diff --git a/app/src/main/res/layout/item_finance_deal.xml b/app/src/main/res/layout/item_finance_deal.xml
index 4e33e4d..c5d8b88 100644
--- a/app/src/main/res/layout/item_finance_deal.xml
+++ b/app/src/main/res/layout/item_finance_deal.xml
@@ -5,8 +5,8 @@
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:layout_marginBottom="12dp"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="0dp"
+    app:cardCornerRadius="@dimen/card_radius_lg"
+    app:cardElevation="@dimen/card_elevation_flat"
     app:strokeWidth="1dp"
     app:strokeColor="?attr/colorOutlineVariant">
 
diff --git a/app/src/main/res/layout/item_foreign_limit.xml b/app/src/main/res/layout/item_foreign_limit.xml
index 7e76177..fdfd8da 100644
--- a/app/src/main/res/layout/item_foreign_limit.xml
+++ b/app/src/main/res/layout/item_foreign_limit.xml
@@ -5,8 +5,8 @@
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:layout_marginTop="16dp"
-    app:cardElevation="1dp"
-    app:cardCornerRadius="12dp">
+    app:cardElevation="@dimen/card_elevation_raised"
+    app:cardCornerRadius="@dimen/card_radius_md">
 
     <LinearLayout
         android:layout_width="match_parent"
diff --git a/app/src/main/res/layout/item_otp_card.xml b/app/src/main/res/layout/item_otp_card.xml
index 37566f6..f89ec7d 100644
--- a/app/src/main/res/layout/item_otp_card.xml
+++ b/app/src/main/res/layout/item_otp_card.xml
@@ -6,8 +6,8 @@
     android:layout_height="wrap_content"
     android:layout_marginHorizontal="16dp"
     android:layout_marginBottom="12dp"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="2dp">
+    app:cardCornerRadius="@dimen/card_radius_lg"
+    app:cardElevation="@dimen/card_elevation_raised">
 
     <LinearLayout
         android:layout_width="match_parent"
diff --git a/app/src/main/res/layout/sheet_add_contact.xml b/app/src/main/res/layout/sheet_add_contact.xml
index 47364ce..5e8021e 100644
--- a/app/src/main/res/layout/sheet_add_contact.xml
+++ b/app/src/main/res/layout/sheet_add_contact.xml
@@ -65,8 +65,8 @@
             android:layout_height="wrap_content"
             android:layout_marginBottom="12dp"
             android:visibility="gone"
-            app:cardCornerRadius="12dp"
-            app:cardElevation="2dp">
+            app:cardCornerRadius="@dimen/card_radius_md"
+            app:cardElevation="@dimen/card_elevation_raised">
 
             <LinearLayout
                 android:layout_width="match_parent"
diff --git a/app/src/main/res/values/dimens.xml b/app/src/main/res/values/dimens.xml
index 4ab4520..fd8fa8f 100644
--- a/app/src/main/res/values/dimens.xml
+++ b/app/src/main/res/values/dimens.xml
@@ -5,4 +5,36 @@
     <dimen name="nav_header_vertical_spacing">8dp</dimen>
     <dimen name="nav_header_height">176dp</dimen>
     <dimen name="fab_margin">16dp</dimen>
-</resources>
\ No newline at end of file
+
+    <!-- ====== Design tokens ======================================== -->
+
+    <!-- Card surfaces.
+         Two-tier radius:
+           lg → hero/standalone cards (bank tiles, history header, finance deals, OTP cards)
+           md → repeating row/summary cards (dashboard cards, foreign limit, bottom sheets)
+         Card-visual representations (item_card_*) keep their own larger radius/elevation
+         to read as real credit cards — they are not tokenized. -->
+    <dimen name="card_radius_lg">16dp</dimen>
+    <dimen name="card_radius_md">12dp</dimen>
+
+    <!-- Card elevation. Two tiers:
+           flat   → outlined cards (paired with a colorOutlineVariant stroke)
+           raised → subtle Material 3 default raise
+         Larger elevations belong to specific card-visual surfaces only. -->
+    <dimen name="card_elevation_flat">0dp</dimen>
+    <dimen name="card_elevation_raised">1dp</dimen>
+
+    <!-- Screen-level spacing -->
+    <dimen name="screen_margin">16dp</dimen>
+    <dimen name="section_gap">16dp</dimen>
+
+    <!-- Standard list/row padding -->
+    <dimen name="list_item_padding_h">16dp</dimen>
+    <dimen name="list_item_padding_v">14dp</dimen>
+
+    <!-- Gutters: small inline spacing units -->
+    <dimen name="gutter_xs">2dp</dimen>
+    <dimen name="gutter_sm">4dp</dimen>
+    <dimen name="gutter_md">8dp</dimen>
+    <dimen name="gutter_lg">12dp</dimen>
+</resources>