release version 1.0.12

.gitea/workflows/build-apk.yml

@@ -87,3 +87,24 @@ jobs:
             --data-binary "@${ASSET_PATH}"
 
           echo "Uploaded asset: $ASSET_NAME"
+
+      - name: Send APK to Telegram
+        env:
+          TG_BOT_TOKEN: ${{ secrets.TG_BOT_TOKEN }}
+          TG_CHAT_ID: ${{ vars.TG_CHAT_ID }}
+        run: |
+          if [ -z "$TG_BOT_TOKEN" ] || [ -z "$TG_CHAT_ID" ]; then
+            echo "TG_BOT_TOKEN or TG_CHAT_ID not set, skipping Telegram upload."
+            exit 0
+          fi
+
+          APP_NAME="${{ gitea.repository }}"
+          APP_NAME="${APP_NAME##*/}"
+          TAG="${{ gitea.ref_name }}"
+          ASSET_PATH=".build/release/release/${APP_NAME}-${TAG}.apk"
+          CAPTION="${APP_NAME} ${TAG}"
+
+          curl -s -X POST "https://api.telegram.org/bot${TG_BOT_TOKEN}/sendDocument" \
+            -F "chat_id=${TG_CHAT_ID}" \
+            -F "document=@${ASSET_PATH}" \
+            -F "caption=${CAPTION}"

.idea/deploymentTargetSelector.xml

@@ -4,10 +4,10 @@
     <selectionStates>
       <SelectionState runConfigName="app">
         <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-05-22T00:11:32.873305232Z">
+        <DropdownSelection timestamp="2026-05-28T18:41:19.777722821Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="PhysicalDevice" identifier="serial=683a9830" />
+              <DeviceId pluginId="PhysicalDevice" identifier="serial=4254e2f" />
             </handle>
           </Target>
         </DropdownSelection>

README.md

@@ -14,8 +14,9 @@ A native Android client for Maldivian banking services. It is a pure client: req
 - Existing accounts with MIB, BML, or Fahipay
 - Your TOTP seed (base32 secret from your authenticator app setup) for each bank
 
-## Download
-[Download latest APK](https://git.shihaam.dev/shihaam/ISODroid/releases/latest)
+## Download APK
+[Gitea Releases](https://git.shihaam.dev/shihaam/thijooree/releases)
+[Telegram Channel](https://t.me/s/thijooreeapks)
 
 ## Privacy
 

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 8
-        versionName = "1.0.9"
+        versionCode = 11
+        versionName = "1.0.12"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }
@@ -91,6 +91,9 @@ dependencies {
     // Biometric authentication
     implementation("androidx.biometric:biometric:1.1.0")
 
+    // Encrypted SharedPreferences (HCE token store)
+    implementation("androidx.security:security-crypto:1.1.0-alpha06")
+
     testImplementation(libs.junit)
     androidTestImplementation(libs.androidx.junit)
     androidTestImplementation(libs.androidx.espresso.core)

app/src/debug/res/xml/shortcuts.xml

@@ -0,0 +1,43 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shortcuts xmlns:android="http://schemas.android.com/apk/res/android">
+
+    <shortcut
+        android:shortcutId="transfer"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_transfer"
+        android:shortcutShortLabel="@string/transfer"
+        android:shortcutLongLabel="@string/transfer">
+        <intent
+            android:action="sh.sar.basedbank.OPEN_TRANSFER"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+    <shortcut
+        android:shortcutId="scan_qr"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_scan_qr"
+        android:shortcutShortLabel="@string/transfer_scan_qr"
+        android:shortcutLongLabel="@string/transfer_scan_qr">
+        <intent
+            android:action="sh.sar.basedbank.OPEN_SCAN_QR"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+    <shortcut
+        android:shortcutId="tap_to_pay"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_pay_card"
+        android:shortcutShortLabel="@string/card_pay_nfc"
+        android:shortcutLongLabel="@string/card_pay_nfc">
+        <intent
+            android:action="sh.sar.basedbank.TAP_TO_PAY"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+</shortcuts>

app/src/main/AndroidManifest.xml

@@ -7,6 +7,9 @@
     <uses-permission android:name="android.permission.CAMERA" />
     <uses-permission android:name="android.permission.USE_BIOMETRIC" />
     <uses-permission android:name="android.permission.ACCESS_NETWORK_STATE" />
+    <uses-permission android:name="android.permission.NFC" />
+
+    <uses-feature android:name="android.hardware.nfc.hce" android:required="false" />
 
     <application
         android:name=".BasedBankApp"
@@ -59,6 +62,25 @@
             android:exported="false"
             android:screenOrientation="portrait" />
 
+        <activity
+            android:name=".nfc.BmlTapToPayActivity"
+            android:exported="false"
+            android:launchMode="singleTop"
+            android:theme="@style/Theme.BasedBank" />
+
+        <service
+            android:name=".nfc.BmlHostCardEmulatorService"
+            android:exported="true"
+            android:permission="android.permission.BIND_NFC_SERVICE">
+            <intent-filter>
+                <action android:name="android.nfc.cardemulation.action.HOST_APDU_SERVICE" />
+                <category android:name="android.intent.category.DEFAULT" />
+            </intent-filter>
+            <meta-data
+                android:name="android.nfc.cardemulation.host_apdu_service"
+                android:resource="@xml/bml_aid_list" />
+        </service>
+
         <provider
             android:name="androidx.core.content.FileProvider"
             android:authorities="${applicationId}.fileprovider"

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

@@ -278,9 +278,11 @@ class LockActivity : AppCompatActivity() {
             }
             val navDest = intent.getIntExtra("nav_destination", -1)
             val autoScan = intent.getBooleanExtra("auto_scan", false)
+            val autoTapMode = intent.getBooleanExtra("auto_tap_mode", false)
             startActivity(Intent(this, HomeActivity::class.java).apply {
                 if (navDest != -1) putExtra("nav_destination", navDest)
                 if (autoScan) putExtra("auto_scan", true)
+                if (autoTapMode) putExtra("auto_tap_mode", true)
             })
             finish()
         }

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

@@ -25,9 +25,11 @@ class MainActivity : AppCompatActivity() {
             "sh.sar.basedbank.OPEN_TRANSFER"      -> R.id.nav_transfer
             "sh.sar.basedbank.OPEN_SCAN_QR"       -> R.id.nav_transfer
             "sh.sar.basedbank.OPEN_PAY_WITH_CARD" -> R.id.nav_pay_with_card
+            "sh.sar.basedbank.TAP_TO_PAY"         -> R.id.nav_pay_with_card
             else -> -1
         }
         val autoScan = intent?.action == "sh.sar.basedbank.OPEN_SCAN_QR"
+        val autoTapMode = intent?.action == "sh.sar.basedbank.TAP_TO_PAY"
 
         val target = when {
             !onboardingDone -> OnboardingActivity::class.java
@@ -43,6 +45,7 @@ class MainActivity : AppCompatActivity() {
         startActivity(Intent(this, target).apply {
             if (navDestination != -1) putExtra("nav_destination", navDestination)
             if (autoScan) putExtra("auto_scan", true)
+            if (autoTapMode) putExtra("auto_tap_mode", true)
         })
         finish()
     }

app/src/main/java/sh/sar/basedbank/api/bml/BmlModels.kt

@@ -82,6 +82,15 @@ data class BmlQrPayResult(
     val errorMessage: String = ""
 )
 
+data class BmlWalletToken(
+    val token: String,
+    val expiry: String,
+    val appCode: String,      // AID hex, e.g. "A0000000031010"
+    val serviceCode: String,
+    val data: String,
+    val validUntil: String    // "YYYY-MM-DD HH:mm:ss.SSS"
+)
+
 data class BmlForeignLimit(
     val type: String,
     val used: Double,

app/src/main/java/sh/sar/basedbank/api/bml/BmlTapToPayClient.kt

@@ -0,0 +1,79 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONArray
+import org.json.JSONObject
+
+class BmlTapToPayClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Fetches up to [quantity] single-use payment tokens for [cardId].
+     * [otp] is a TOTP code generated from the stored BML OTP seed.
+     *
+     * Flow:
+     *   1. POST → code 99 (OTP required) or 0 (direct, unlikely)
+     *   2. POST with channel=token → code 22 (OTP generated on BML side, but we use TOTP)
+     *   3. POST with otp=TOTP → code 0, payload = token list
+     */
+    fun fetchTokens(
+        session: BmlSession,
+        cardId: String,
+        otp: String,
+        quantity: Int = 3
+    ): List<BmlWalletToken> {
+        val url = "$BML_BASE_URL/api/mobile/walletpayments/gettoken"
+
+        // Step 1: initiate
+        val base = JSONObject().apply {
+            put("type", "track2")
+            put("cardid", cardId)
+            put("quantity", quantity)
+        }
+        val step1 = post(session, url, base)
+        if (step1.optInt("code") == 0) return parseTokens(step1.optJSONArray("payload"))
+        if (step1.optInt("code") != 99) throw Exception(step1.optString("message", "Token request failed"))
+
+        // Step 2: request OTP channel (triggers BML to validate we can use TOTP)
+        val body2 = JSONObject(base.toString()).apply { put("channel", "token") }
+        val step2 = post(session, url, body2)
+        if (step2.optInt("code") != 22) throw Exception(step2.optString("message", "OTP channel request failed"))
+
+        // Step 3: submit TOTP
+        val body3 = JSONObject(body2.toString()).apply { put("otp", otp) }
+        val step3 = post(session, url, body3)
+        if (step3.optInt("code") != 0) throw Exception(step3.optString("message", "Token fetch failed"))
+
+        return parseTokens(step3.optJSONArray("payload"))
+    }
+
+    private fun post(session: BmlSession, url: String, body: JSONObject): JSONObject {
+        val req = okhttp3.Request.Builder()
+            .url(url)
+            .post(body.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .build()
+        return client.newCall(req).execute().use { resp ->
+            JSONObject(resp.body?.string() ?: throw Exception("Empty response"))
+        }
+    }
+
+    private fun parseTokens(arr: JSONArray?): List<BmlWalletToken> {
+        arr ?: return emptyList()
+        return (0 until arr.length()).map { i ->
+            val o = arr.getJSONObject(i)
+            BmlWalletToken(
+                token       = o.getString("token"),
+                expiry      = o.getString("expiry"),
+                appCode     = o.getString("app_code"),
+                serviceCode = o.getString("service_code"),
+                data        = o.optString("data", ""),
+                validUntil  = o.optString("valid_until", "")
+            )
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/nfc/BmlHostCardEmulatorService.kt

@@ -0,0 +1,185 @@
+package sh.sar.basedbank.nfc
+
+import android.content.Intent
+import android.nfc.cardemulation.HostApduService
+import android.os.Bundle
+import android.util.Log
+import sh.sar.basedbank.api.bml.BmlWalletToken
+
+/**
+ * HCE service that emulates a BML contactless payment card.
+ *
+ * Implements the minimal EMV mag-stripe contactless flow:
+ *   SELECT PPSE → SELECT AID → GET PROCESSING OPTIONS → READ RECORD
+ *
+ * Each BmlWalletToken is single-use and is set via [setToken] before tapping.
+ * After READ RECORD is sent the [onTransactionComplete] callback fires.
+ */
+class BmlHostCardEmulatorService : HostApduService() {
+
+    private var gpoSent = false
+
+    override fun processCommandApdu(commandApdu: ByteArray?, extras: Bundle?): ByteArray {
+        if (commandApdu == null) return SW_UNKNOWN_ERROR
+        val apdu = Apdu(commandApdu)
+        if (apdu.isError) return apdu.errorResponse()
+
+        return when (apdu.ins) {
+            INS_SELECT -> handleSelect(apdu)
+            INS_GPO    -> handleGpo()
+            INS_READ   -> handleReadRecord()
+            else       -> SW_UNKNOWN_ERROR
+        }
+    }
+
+    override fun onDeactivated(reason: Int) {
+        if (!gpoSent) onTransactionComplete?.invoke(false)
+        gpoSent = false
+    }
+
+    // ── APDU handlers ──────────────────────────────────────────────────────────
+
+    private fun handleSelect(apdu: Apdu): ByteArray {
+        val data = apdu.data ?: return SW_UNKNOWN_ERROR
+
+        if (data.contentEquals(PPSE_BYTES)) {
+            val token = activeToken ?: run { launchPromptActivity(); return SW_UNKNOWN_ERROR }
+            return hexToBytes(buildSelectPpseResponse(token.appCode, applicationLabel(token.appCode), "01"))
+        }
+
+        val token = activeToken ?: return SW_UNKNOWN_ERROR
+        return if (data.contentEquals(hexToBytes(token.appCode))) {
+            hexToBytes(buildSelectAidResponse(token.appCode, applicationLabel(token.appCode)))
+        } else {
+            SW_UNKNOWN_ERROR
+        }
+    }
+
+    private fun launchPromptActivity() {
+        val intent = Intent("sh.sar.basedbank.TAP_TO_PAY").apply {
+            setPackage(applicationContext.packageName)
+            flags = Intent.FLAG_ACTIVITY_NEW_TASK
+        }
+        startActivity(intent)
+    }
+
+    private fun handleGpo(): ByteArray {
+        gpoSent = true
+        // AIP=0080 (mag-stripe mode), AFL=08010100 (SFI=1, record 1-1, offline 0)
+        val miscData = "008008010100"
+        val body = tlv("80", miscData)
+        return hexToBytes(body + SW_OK_HEX)
+    }
+
+    private fun handleReadRecord(): ByteArray {
+        val token = activeToken ?: return SW_UNKNOWN_ERROR
+        val track2 = buildTrack2(token)
+        val body = tlv("70", tlv("57", track2))
+        val response = hexToBytes(body + SW_OK_HEX)
+        onTransactionComplete?.invoke(true)
+        return response
+    }
+
+    // ── TLV / APDU response builders ───────────────────────────────────────────
+
+    private fun buildSelectPpseResponse(aid: String, label: String, priority: String): String {
+        val priorityTlv  = tlv("87", priority)                  // tag 87
+        val aidTlv       = tlv("4F", aid)                       // tag 4F  (ADF Name)
+        val appEntry     = tlv("61", aidTlv + priorityTlv)       // tag 61
+        val ppseTlv      = tlv("84", PPSE_HEX)                  // tag 84  (DF Name)
+        val inner        = tlv("BF0C", appEntry)                 // tag BF0C
+        val propTemplate = tlv("A5", inner)                      // tag A5
+        val fci          = tlv("6F", ppseTlv + propTemplate)     // tag 6F
+        return fci + SW_OK_HEX
+    }
+
+    private fun buildSelectAidResponse(aid: String, label: String): String {
+        val aidTlv      = tlv("84", aid)                                        // tag 84
+        val labelTlv    = tlv("50", asciiToHex(label))                          // tag 50
+        val pdolTlv     = tlv("9F38", "9F6602")                                 // PDOL: TTQ 2 bytes
+        val propTemplate = tlv("A5", labelTlv + pdolTlv)                         // tag A5
+        val fci         = tlv("6F", aidTlv + propTemplate)                      // tag 6F
+        return fci + SW_OK_HEX
+    }
+
+    private fun buildTrack2(token: BmlWalletToken): String {
+        var t2 = "${token.token}D${token.expiry}${token.serviceCode}${token.data}"
+        if (t2.length % 2 != 0) t2 += "F"
+        return t2
+    }
+
+    // ── Helpers ─────────────────────────────────────────────────────────────────
+
+    /** Build BER-TLV: tag (hex string, 1 or 2 bytes) + DER length + data (hex string). */
+    private fun tlv(tagHex: String, dataHex: String): String {
+        val lenBytes = dataHex.length / 2
+        val lenHex = when {
+            lenBytes <= 0x7F -> lenBytes.toHexByte()
+            lenBytes <= 0xFF -> "81" + lenBytes.toHexByte()
+            else             -> "82" + (lenBytes shr 8).toHexByte() + (lenBytes and 0xFF).toHexByte()
+        }
+        return tagHex + lenHex + dataHex
+    }
+
+    private fun Int.toHexByte(): String = toString(16).padStart(2, '0').uppercase()
+
+    private fun asciiToHex(s: String): String =
+        s.toByteArray(Charsets.US_ASCII).joinToString("") { "%02X".format(it) }
+
+    private fun hexToBytes(hex: String): ByteArray {
+        val s = hex.uppercase()
+        return ByteArray(s.length / 2) { i ->
+            s.substring(i * 2, i * 2 + 2).toInt(16).toByte()
+        }
+    }
+
+    // ── APDU parser ─────────────────────────────────────────────────────────────
+
+    private inner class Apdu(raw: ByteArray) {
+        val isError: Boolean
+        val ins: Int
+        val data: ByteArray?
+
+        init {
+            if (raw.size < 4) {
+                isError = true; ins = -1; data = null
+            } else {
+                isError = false
+                ins = raw[1].toInt() and 0xFF
+                val lc = if (raw.size > 4) raw[4].toInt() and 0xFF else 0
+                data = if (lc > 0 && raw.size >= 5 + lc) raw.copyOfRange(5, 5 + lc) else null
+            }
+        }
+
+        fun errorResponse() = SW_UNKNOWN_ERROR
+    }
+
+    companion object {
+        private const val TAG = "BmlHCE"
+
+        private const val INS_SELECT = 0xA4
+        private const val INS_GPO    = 0xA8
+        private const val INS_READ   = 0xB2
+
+        private val PPSE_HEX   = "325041592E5359532E4444463031"   // "2PAY.SYS.DDF01"
+        private val PPSE_BYTES = byteArrayOf(
+            0x32,0x50,0x41,0x59,0x2E,0x53,0x59,0x53,0x2E,0x44,0x44,0x46,0x30,0x31
+        )
+
+        private const val SW_OK_HEX      = "9000"
+        private val SW_UNKNOWN_ERROR     = byteArrayOf(0x6F.toByte(), 0x00.toByte())
+
+        @Volatile var activeToken: BmlWalletToken? = null
+        @Volatile var onTransactionComplete: ((success: Boolean) -> Unit)? = null
+
+        fun setToken(token: BmlWalletToken) { activeToken = token }
+        fun clearToken() { activeToken = null }
+
+        fun applicationLabel(aidHex: String): String = when {
+            aidHex.startsWith("A0000000031010", ignoreCase = true) -> "VISA"
+            aidHex.startsWith("A0000000041010", ignoreCase = true) -> "MASTERCARD"
+            aidHex.startsWith("A000000025",     ignoreCase = true) -> "AMEX"
+            else -> "BML"
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/nfc/BmlTapToPayActivity.kt

@@ -0,0 +1,20 @@
+package sh.sar.basedbank.nfc
+
+import android.content.Intent
+import android.os.Bundle
+import androidx.appcompat.app.AppCompatActivity
+import sh.sar.basedbank.MainActivity
+
+/**
+ * Fallback entry point — redirects to MainActivity which routes to the in-app tap-to-pay screen.
+ */
+class BmlTapToPayActivity : AppCompatActivity() {
+    override fun onCreate(savedInstanceState: Bundle?) {
+        super.onCreate(savedInstanceState)
+        startActivity(Intent(this, MainActivity::class.java).apply {
+            action = "sh.sar.basedbank.TAP_TO_PAY"
+            flags = Intent.FLAG_ACTIVITY_NEW_TASK or Intent.FLAG_ACTIVITY_CLEAR_TASK
+        })
+        finish()
+    }
+}

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

@@ -25,6 +25,8 @@ import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.CredentialStore
 import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
 import sh.sar.basedbank.databinding.ItemForeignLimitBinding
@@ -40,10 +42,10 @@ class DashboardFragment : Fragment() {
     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
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, pendingQrAccountNumber)
             )
         } else {
             Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
@@ -96,13 +98,22 @@ class DashboardFragment : Fragment() {
         LinearSnapHelper().attachToRecyclerView(binding.rvCards)
 
         val updateCardList = {
-            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val credStore = CredentialStore(requireContext())
+            val hidden = credStore.getHiddenDashboardCardNumbers()
+            val mibItems = (viewModel.mibCards.value ?: emptyList())
+                .filter { !hidden.contains(it.maskedCardNumber) }
+                .map { CardItem.Mib(it) }
             val bmlItems = (viewModel.accounts.value ?: emptyList())
-                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) }
+                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) && !hidden.contains(it.accountNumber) }
                 .map { CardItem.Bml(it) }
             val all = mibItems + bmlItems
-            cardAdapter.update(all)
-            binding.sectionCards.visibility = if (all.isNotEmpty()) View.VISIBLE else View.GONE
+            val defaultNum = credStore.getDefaultCardAccountNumber()
+            val ordered = if (defaultNum != null) {
+                val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
+                if (def != null) listOf(def) + all.filter { it !== def } else all
+            } else all
+            cardAdapter.update(ordered)
+            binding.sectionCards.visibility = if (ordered.isNotEmpty()) View.VISIBLE else View.GONE
         }
         viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
         viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
@@ -278,26 +289,23 @@ class DashboardFragment : Fragment() {
             .groupBy({ it.first }, { it.second })
             .mapValues { (_, vs) -> vs.sum() }
 
+        val blockedMvr = blockedByCurrency["MVR"] ?: 0.0
+        val blockedUsd = blockedByCurrency["USD"] ?: 0.0
         val blockedTotal = blockedByCurrency.values.sum()
-        if (blockedTotal > 0.0) {
-            // Primary line: prefer MVR if present, otherwise the first currency.
-            val primaryCcy = if ("MVR" in blockedByCurrency) "MVR" else blockedByCurrency.keys.first()
-            val primaryAmt = blockedByCurrency.getValue(primaryCcy)
-            binding.tvBlockedTotal.text = if (hide) "$primaryCcy ••••••" else "$primaryCcy %,.2f".format(primaryAmt)
 
-            val secondary = blockedByCurrency.filterKeys { it != primaryCcy }
-            if (secondary.isNotEmpty()) {
-                binding.tvBlockedSecondary.text = secondary.entries.joinToString(" · ") { (ccy, amt) ->
-                    if (hide) "$ccy ••••••" else "$ccy %,.2f".format(amt)
-                }
-                binding.tvBlockedSecondary.visibility = View.VISIBLE
-            } else {
-                binding.tvBlockedSecondary.visibility = View.GONE
-            }
-            binding.cardBlocked.visibility = View.VISIBLE
+        if (blockedMvr > 0.0) {
+            binding.tvBlockedMvr.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(blockedMvr)
+            binding.cardBlockedMvr.visibility = View.VISIBLE
         } else {
-            binding.cardBlocked.visibility = View.GONE
+            binding.cardBlockedMvr.visibility = View.GONE
         }
+        if (blockedUsd > 0.0) {
+            binding.tvBlockedUsd.text = if (hide) "USD ••••••" else "USD %,.2f".format(blockedUsd)
+            binding.cardBlockedUsd.visibility = View.VISIBLE
+        } else {
+            binding.cardBlockedUsd.visibility = View.GONE
+        }
+        binding.rowBlocked.visibility = if (blockedTotal > 0.0) View.VISIBLE else View.GONE
 
         // Overdue: MIB finance deals + BML loan details (assumed MVR — matches existing Pending Finances).
         val mibOverdue = (viewModel.financing.value ?: emptyList()).sumOf { it.overdueAmount }
@@ -310,8 +318,7 @@ class DashboardFragment : Fragment() {
             binding.cardOverdue.visibility = View.GONE
         }
 
-        binding.rowAttention.visibility =
-            if (blockedTotal > 0.0 || overdueTotal > 0.0) View.VISIBLE else View.GONE
+        binding.rowAttention.visibility = if (overdueTotal > 0.0) View.VISIBLE else View.GONE
     }
 
     private fun updatePendingFinances() {
@@ -383,8 +390,15 @@ class DashboardFragment : Fragment() {
                 val nfcSupported = nfcAdapter != null
                 btnPayNfc.isEnabled = nfcSupported
                 btnPayNfc.setOnClickListener {
-                    val msg = if (isMib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
-                    Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+                    if (isMib) {
+                        Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                    } else {
+                        val accountNumber = (item as CardItem.Bml).account.accountNumber
+                        (requireActivity() as HomeActivity).navigateTo(
+                            R.id.nav_pay_with_card,
+                            CardsFragment.newInstanceWithAutoTapMode(accountNumber)
+                        )
+                    }
                 }
             }
         }

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

@@ -237,10 +237,13 @@ class HomeActivity : AppCompatActivity() {
         if (savedInstanceState == null) {
             val navDest = intent.getIntExtra("nav_destination", -1)
             val autoScan = intent.getBooleanExtra("auto_scan", false)
+            val autoTapMode = intent.getBooleanExtra("auto_tap_mode", false)
             if (navDest != -1) {
-                val fragment = if (autoScan && navDest == R.id.nav_transfer)
-                    TransferFragment.newInstanceWithAutoScan()
-                else null
+                val fragment = when {
+                    autoScan && navDest == R.id.nav_transfer -> TransferFragment.newInstanceWithAutoScan()
+                    autoTapMode && navDest == R.id.nav_pay_with_card -> CardsFragment.newInstanceWithAutoTapMode()
+                    else -> null
+                }
                 navigateTo(navDest, fragment)
             } else {
                 show(DashboardFragment())
@@ -255,6 +258,9 @@ class HomeActivity : AppCompatActivity() {
                     binding.drawerLayout.closeDrawers()
                     return
                 }
+                // Let CardsFragment handle back if in manage mode
+                val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
+                if (currentFrag is CardsFragment && currentFrag.onBackPressed()) return
                 // Pop fragment back stack if there's anything on it (e.g. showWithBackStack)
                 if (supportFragmentManager.backStackEntryCount > 0) {
                     supportFragmentManager.popBackStack()
@@ -263,7 +269,6 @@ class HomeActivity : AppCompatActivity() {
                 // In bottom nav mode, pressing back navigates up the hierarchy
                 val isBottomNav = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
                 if (isBottomNav && binding.bottomNavigation.selectedItemId != R.id.nav_dashboard) {
-                    val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
                     // Sub-page reached via More (e.g. Settings, Activities) — go back to More
                     if (binding.bottomNavigation.selectedItemId == R.id.nav_more && currentFrag !is MoreFragment) {
                         show(MoreFragment())

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

@@ -1,9 +1,14 @@
 package sh.sar.basedbank.ui.home
 
+import android.content.ClipData
+import android.content.ClipboardManager
+import android.content.Context
+import android.os.Build
 import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import android.widget.Toast
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -42,6 +47,16 @@ class OtpFragment : Fragment() {
         override fun onBindViewHolder(holder: VH, position: Int) {
             holder.b.tvOtpLabel.text = entries[position].label
             update(holder.b, entries[position].seed)
+            holder.b.root.setOnClickListener {
+                val code = holder.b.tvOtpCode.text.toString().replace(" ", "")
+                if (code.isNotEmpty()) {
+                    val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+                    clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
+                    if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
+                        Toast.makeText(it.context, "OTP copied", Toast.LENGTH_SHORT).show()
+                    }
+                }
+            }
         }
 
         fun tick() {

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

@@ -36,6 +36,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentPayMvQrBinding
+import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.PaymvQrParser
@@ -60,9 +61,9 @@ class PayMvQrFragment : Fragment() {
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
 
         // BML card/gateway QR — hand off to dedicated payment screen
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw))
             return@registerForActivityResult
         }
 
@@ -98,6 +99,8 @@ class PayMvQrFragment : Fragment() {
         }
         setupDropdown()
         binding.etAmount.addTextChangedListener { scheduleGenerate() }
+        binding.etReference.addTextChangedListener { scheduleGenerate() }
+        binding.switchIncludePhone.setOnCheckedChangeListener { _, _ -> scheduleGenerate() }
         binding.btnShare.isEnabled = false
         binding.btnSave.isEnabled = false
         binding.btnShare.setOnClickListener { shareQr() }
@@ -110,7 +113,9 @@ class PayMvQrFragment : Fragment() {
     private fun setupDropdown() {
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
             val eligible = accounts.filter {
-                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN"
+                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN" &&
+                it.bank != "MIB" && // TODO: MIB does not support PayMV QR
+                !(it.bank == "BML" && it.currencyName.contains("USD", ignoreCase = true)) // TODO: BML USD not supported by MMA
             }
             val adapter = QrAccountAdapter(requireContext(), eligible)
             binding.actvAccount.setAdapter(adapter)
@@ -145,8 +150,28 @@ class PayMvQrFragment : Fragment() {
             ?.let { "%.2f".format(it) }
 
         val ctx = requireContext()
+        val includePhone = binding.switchIncludePhone.isChecked
+        val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag)
+        val store = CredentialStore(ctx)
+        val mobile = if (includePhone) {
+            when (account.bank) {
+                "BML"     -> store.loadBmlUserProfile(loginId)?.mobile
+                "FAHIPAY" -> store.loadFahipayUserProfile(loginId)?.mobile
+                else      -> null
+            }?.let { m ->
+                when {
+                    m.startsWith("+") -> m
+                    m.length == 7     -> "+960$m"
+                    else              -> m
+                }
+            }
+        } else null
+
+        val purpose = binding.etReference.text?.toString()?.trim()
+            ?.takeIf { it.isNotBlank() } ?: getString(R.string.paymvqr_reference_default)
+
         val bmp = withContext(Dispatchers.Default) {
-            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted)
+            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted, mobile, purpose)
             renderQrCard(ctx, account, payload, amountFormatted)
         }
         if (_binding == null) return
@@ -164,7 +189,9 @@ class PayMvQrFragment : Fragment() {
         accountNumber: String,
         accountName: String,
         acquirer: String,
-        amountStr: String?
+        amountStr: String?,
+        mobile: String?,
+        purpose: String
     ): String {
         fun tlv(tag: String, value: String): String {
             val len = value.length
@@ -174,17 +201,30 @@ class PayMvQrFragment : Fragment() {
         val poi          = tlv("01", "11")
         val sub00        = tlv("00", "mv.favara.mpqr")
         val sub01        = tlv("01", acquirer)
+        val sub02        = tlv("02", acquirer) // repeated acquirer, as per official PayMV app
         val sub03        = tlv("03", accountNumber)
+        val sub05        = if (!mobile.isNullOrBlank()) tlv("05", mobile) else ""
         val sub10        = tlv("10", "IPAY")
-        val merchantAcct = tlv("26", sub00 + sub01 + sub03 + sub10)
+        val merchantAcct = tlv("26", sub00 + sub01 + sub02 + sub03 + sub05 + sub10)
+        val mcc          = tlv("52", "0000")
         val currency     = tlv("53", "462")
         val amountTLV    = if (!amountStr.isNullOrBlank()) tlv("54", amountStr) else ""
         val country      = tlv("58", "MV")
         val name         = tlv("59", accountName.take(25))
-        val prefix       = format + poi + merchantAcct + currency + amountTLV + country + name + "6304"
+        val ref          = generateReference()
+        val addlData     = tlv("62", tlv("05", ref) + tlv("08", purpose))
+        val timestamp    = java.time.LocalDateTime.now()
+            .format(java.time.format.DateTimeFormatter.ofPattern("yyyy-MM-dd'T'HH:mm:ss.00000"))
+        val tag80        = tlv("80", tlv("00", "mv.favara.mpqr") + tlv("01", timestamp))
+        val prefix       = format + poi + merchantAcct + mcc + currency + amountTLV + country + name + addlData + tag80 + "6304"
         return prefix + crc16(prefix)
     }
 
+    private fun generateReference(): String {
+        val chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789"
+        return (1..9).map { chars.random() }.joinToString("")
+    }
+
     private fun crc16(data: String): String {
         var crc = 0xFFFF
         for (c in data) {
@@ -427,7 +467,7 @@ class PayMvQrFragment : Fragment() {
             } else {
                 b.tvDropdownAccountType.visibility = View.GONE
             }
-            b.tvDropdownBalance.text = displayData?.balance ?: ""
+            b.tvDropdownBalance.visibility = View.GONE
             b.root.alpha = 1f
 
             val networkIcon = BmlCardParser.cardNetworkIcon(acc)

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

@@ -14,19 +14,41 @@ import android.widget.LinearLayout
 import android.widget.TextView
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
+import android.view.animation.AccelerateInterpolator
+import android.view.animation.DecelerateInterpolator
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
+import androidx.core.view.doOnNextLayout
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.PagerSnapHelper
 import androidx.recyclerview.widget.RecyclerView
+import android.animation.ValueAnimator
+import android.graphics.Canvas
+import android.graphics.Paint
+import android.graphics.RectF
+import android.view.Gravity
+import androidx.biometric.BiometricManager
+import androidx.biometric.BiometricPrompt
+import androidx.core.content.ContextCompat
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.button.MaterialButton
 import com.google.android.material.color.MaterialColors
+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.bml.BmlTapToPayClient
+import sh.sar.basedbank.nfc.BmlHostCardEmulatorService
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.databinding.FragmentCardsBinding
 import sh.sar.basedbank.util.CardsCache
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.PaymvQrParser
 import kotlin.math.abs
 
 class CardsFragment : Fragment() {
@@ -39,14 +61,30 @@ class CardsFragment : Fragment() {
     private var currentCardPosition: Int = 0
     private var cardWidth: Int = 0
     private var pendingQrAccountNumber: String? = null
+    private var isManageMode: Boolean = false
+    private var isTapMode: Boolean = false
+    private var tapAnimView: NfcTapAnimationView? = null
+    private var autoTapModeTriggered = false
+
+    // Carousel snapshot captured on enter, used to reverse the exit animation
+    private var carouselCardLayoutTop = 0f      // card layout top relative to contentLayout
+    private var carouselCardCenterX = 0f        // card center X relative to contentLayout
+    private var carouselTextLayoutTop = 0f      // tvSelectedCardType layout top relative to contentLayout
+
+    // Swipe-to-dismiss tracking
+    private var swipeDragStartRawY = 0f
+    private var swipeIsDragging = false
+
+    private lateinit var stackAdapter: CardStackAdapter
+    private val store by lazy { CredentialStore(requireContext()) }
 
     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
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, pendingQrAccountNumber)
             )
         } else {
             Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
@@ -64,7 +102,7 @@ class CardsFragment : Fragment() {
         val peekPx = screenW / 8
         cardWidth = screenW - 2 * peekPx
 
-        val stackAdapter = CardStackAdapter(cardWidth)
+        stackAdapter = CardStackAdapter(cardWidth)
         binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
         binding.rvCards.adapter = stackAdapter
         binding.rvCards.setPadding(peekPx, 0, peekPx, 0)
@@ -101,24 +139,8 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             insets
         }
 
-        val updateCardList = {
-            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
-            val bmlItems = (viewModel.accounts.value ?: emptyList())
-                .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
-                .map { CardItem.Bml(it) }
-            cards = mibItems + bmlItems
-            stackAdapter.update(cards)
-            binding.loadingView.visibility = View.GONE
-            val empty = cards.isEmpty()
-            binding.emptyView.visibility = if (empty) View.VISIBLE else View.GONE
-            binding.contentLayout.visibility = if (empty) View.GONE else View.VISIBLE
-            if (!empty) {
-                buildDots(cards.size, currentCardPosition)
-                updateCardInfo(currentCardPosition)
-            }
-        }
-        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
-        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
+        viewModel.mibCards.observe(viewLifecycleOwner) { rebuildCards() }
+        viewModel.accounts.observe(viewLifecycleOwner) { rebuildCards() }
 
         val cached = CardsCache.load(requireContext())
         if (cached.isNotEmpty()) {
@@ -128,6 +150,54 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
         (activity as? HomeActivity)?.triggerRefreshCards()
 
+        binding.btnManageCard.setOnClickListener {
+            setManageMode(!isManageMode)
+        }
+
+        // Swipe-down on the manage card to dismiss manage mode
+        binding.manageCardView.root.setOnTouchListener { _, event ->
+            if (!isManageMode && !isTapMode) return@setOnTouchListener false
+            val mgr = binding.manageCardView.root
+            when (event.action) {
+                android.view.MotionEvent.ACTION_DOWN -> {
+                    mgr.animate().cancel()
+                    binding.tvSelectedCardType.animate().cancel()
+                    swipeDragStartRawY = event.rawY
+                    swipeIsDragging = false
+                    true
+                }
+                android.view.MotionEvent.ACTION_MOVE -> {
+                    val dy = (event.rawY - swipeDragStartRawY).coerceAtLeast(0f)
+                    if (dy > 12f || swipeIsDragging) {
+                        swipeIsDragging = true
+                        mgr.translationY = dy
+                        binding.tvSelectedCardType.translationY = dy * 0.6f
+                        val scale = 1f - (dy / (binding.contentLayout.height * 2.5f)).coerceIn(0f, 0.12f)
+                        mgr.scaleX = scale
+                        mgr.scaleY = scale
+                        true
+                    } else false
+                }
+                android.view.MotionEvent.ACTION_UP, android.view.MotionEvent.ACTION_CANCEL -> {
+                    if (swipeIsDragging) {
+                        val dy = (event.rawY - swipeDragStartRawY).coerceAtLeast(0f)
+                        swipeIsDragging = false
+                        if (dy > 130f) {
+                            if (isTapMode) setTapMode(false) else setManageMode(false)
+                        } else {
+                            // Snap back
+                            mgr.animate().translationY(0f).scaleX(1f).scaleY(1f)
+                                .setDuration(280).setInterpolator(DecelerateInterpolator()).start()
+                            binding.tvSelectedCardType.animate().translationY(0f)
+                                .setDuration(280).setInterpolator(DecelerateInterpolator()).start()
+                        }
+                        true
+                    } else false
+                }
+                else -> false
+            }
+        }
+
         binding.btnScanToPay.setOnClickListener {
             val item = cards.getOrNull(currentCardPosition) ?: return@setOnClickListener
             if (item is CardItem.Mib) {
@@ -142,8 +212,17 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         binding.btnTapToPay.isEnabled = nfcAvailable
         binding.btnTapToPay.setOnClickListener {
             val item = cards.getOrNull(currentCardPosition) ?: return@setOnClickListener
-            val msg = if (item is CardItem.Mib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
-            Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            if (item is CardItem.Mib) {
+                Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                return@setOnClickListener
+            }
+            val bmlItem = item as CardItem.Bml
+            val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+            if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                showBiometricPromptForTap(bmlItem)
+            } else {
+                setTapMode(true, bmlItem)
+            }
         }
 
         val wip = View.OnClickListener {
@@ -154,6 +233,482 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         binding.btnBlock.setOnClickListener(wip)
     }
 
+    private fun setManageMode(enabled: Boolean) {
+        isManageMode = enabled
+        requireActivity().title = getString(if (enabled) R.string.card_manage else R.string.nav_pay_with_card)
+        if (enabled) enterManageMode() else exitManageMode()
+    }
+
+    private fun enterManageMode() {
+        val item = cards.getOrNull(currentCardPosition) ?: return
+
+        // Bind card data
+        val cv = binding.manageCardView
+        when (item) {
+            is CardItem.Mib -> {
+                cv.tvCardOwner.text = item.card.cardHolderName
+                cv.tvCardNumber.text = formatMasked(item.card.maskedCardNumber)
+                val assetPath = cardImageAsset(item.card)
+                if (assetPath != null) loadCardImage(cv.ivCardImage, assetPath)
+                else cv.ivCardImage.setImageDrawable(null)
+                bindCardStatus(cv.tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
+                cv.root.alpha = 1f
+            }
+            is CardItem.Bml -> {
+                cv.tvCardOwner.text = item.account.accountBriefName
+                cv.tvCardNumber.text = formatMasked(item.account.accountNumber)
+                loadCardImage(cv.ivCardImage, BmlCardParser.cardImageAsset(item.account))
+                val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
+                bindCardStatus(cv.tvCardStatus, item.account.statusDesc.takeUnless { isActive })
+                cv.root.alpha = if (isActive) 1f else 0.45f
+            }
+        }
+
+        // Capture positions BEFORE layout changes (for enter animation + exit animation later)
+        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
+        val lm = binding.rvCards.layoutManager as? LinearLayoutManager
+        val srcView = lm?.findViewByPosition(currentCardPosition)
+        val srcLoc = IntArray(2).also { srcView?.getLocationOnScreen(it) ?: run { it[0] = contentLoc[0]; it[1] = contentLoc[1] } }
+        val srcScreenTop = (srcLoc[1] - contentLoc[1]).toFloat()
+        val srcCenterX = (srcLoc[0] - contentLoc[0]).toFloat() + cardWidth / 2f
+
+        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+        val textSrcScreenTop = (textLoc[1] - contentLoc[1]).toFloat()
+
+        // Apply layout changes
+        binding.btnManageCard.visibility = View.GONE
+        binding.topSpacer.visibility = View.GONE
+        binding.rvCards.visibility = View.GONE
+        binding.pageIndicator.visibility = View.GONE
+        binding.llPayButtons.visibility = View.GONE
+        binding.llManageButtons.visibility = View.VISIBLE
+        binding.llDefaultCardRow.visibility = View.VISIBLE
+        binding.llHideDashboardRow.visibility = View.VISIBLE
+        binding.manageCardView.root.visibility = View.VISIBLE
+
+        // Set switch state (clear listener first to avoid triggering on programmatic set)
+        val isBml = item is CardItem.Bml
+        binding.switchDefaultCard.setOnCheckedChangeListener(null)
+        binding.switchDefaultCard.isChecked = isBml && store.getDefaultCardAccountNumber() == (item as? CardItem.Bml)?.account?.accountNumber
+        binding.switchDefaultCard.setOnCheckedChangeListener { _, isChecked ->
+            if (item is CardItem.Mib) {
+                // MIB doesn't support NFC/QR pay — same toast as scan/tap to pay
+                binding.switchDefaultCard.setOnCheckedChangeListener(null)
+                binding.switchDefaultCard.isChecked = false
+                binding.switchDefaultCard.setOnCheckedChangeListener { _, c ->
+                    handleDefaultCardToggle(c)
+                }
+                Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+            } else {
+                handleDefaultCardToggle(isChecked)
+            }
+        }
+
+        val accountNumber = (item as? CardItem.Bml)?.account?.accountNumber
+            ?: (item as? CardItem.Mib)?.card?.maskedCardNumber
+        binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
+        binding.switchHideFromDashboard.isChecked = accountNumber != null &&
+            store.getHiddenDashboardCardNumbers().contains(accountNumber)
+        binding.switchHideFromDashboard.setOnCheckedChangeListener { _, isChecked ->
+            if (accountNumber != null) {
+                store.setCardHiddenFromDashboard(accountNumber, isChecked)
+            }
+        }
+
+        // After layout pass, compute offsets, save carousel snapshot, and animate
+        binding.contentLayout.doOnNextLayout {
+            val mgr = binding.manageCardView.root
+            val dstLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
+            val dstTop = (dstLoc[1] - contentLoc[1]).toFloat()
+            val dstCenterX = (dstLoc[0] - contentLoc[0]).toFloat() + mgr.width / 2f
+
+            val scaleStart = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
+            val transXStart = srcCenterX - dstCenterX
+            val transYStart = srcScreenTop - dstTop
+
+            // Save the carousel card's position (relative to contentLayout) for the exit animation
+            carouselCardLayoutTop = srcScreenTop
+            carouselCardCenterX = srcCenterX
+            carouselTextLayoutTop = textSrcScreenTop
+
+            val textDstLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+            val textDstTop = (textDstLoc[1] - contentLoc[1]).toFloat()
+
+            mgr.pivotX = mgr.width / 2f
+            mgr.pivotY = 0f
+            mgr.scaleX = scaleStart
+            mgr.scaleY = scaleStart
+            mgr.translationX = transXStart
+            mgr.translationY = transYStart
+
+            mgr.animate()
+                .scaleX(1f).scaleY(1f)
+                .translationX(0f).translationY(0f)
+                .setDuration(380)
+                .setInterpolator(DecelerateInterpolator())
+                .start()
+
+            binding.tvSelectedCardType.translationY = textSrcScreenTop - textDstTop
+            binding.tvSelectedCardType.animate()
+                .translationY(0f)
+                .setDuration(380)
+                .setInterpolator(DecelerateInterpolator())
+                .start()
+        }
+    }
+
+    private fun handleDefaultCardToggle(isChecked: Boolean) {
+        val item = cards.getOrNull(currentCardPosition) as? CardItem.Bml ?: return
+        store.setDefaultCardAccountNumber(if (isChecked) item.account.accountNumber else null)
+        rebuildCards()
+    }
+
+    private fun exitManageMode() {
+        binding.manageCardView.root.animate().cancel()
+        binding.tvSelectedCardType.animate().cancel()
+
+        val mgr = binding.manageCardView.root
+        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
+
+        // Compute layout top of manage card (strip current translationY which may be from a swipe drag)
+        val mgrLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
+        val mgrLayoutTop = (mgrLoc[1] - contentLoc[1]).toFloat() - mgr.translationY
+
+        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+        val textLayoutTop = (textLoc[1] - contentLoc[1]).toFloat() - binding.tvSelectedCardType.translationY
+
+        // Target: animate card back to carousel position
+        val scaleEnd = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
+        val mgrLayoutCenterX = (mgrLoc[0] - contentLoc[0]).toFloat() - mgr.translationX + mgr.width / 2f
+        val targetTransX = carouselCardCenterX - mgrLayoutCenterX
+        val targetTransY = carouselCardLayoutTop - mgrLayoutTop
+
+        val targetTextTransY = carouselTextLayoutTop - textLayoutTop
+
+        mgr.pivotX = mgr.width / 2f
+        mgr.pivotY = 0f
+
+        mgr.animate()
+            .scaleX(scaleEnd).scaleY(scaleEnd)
+            .translationX(targetTransX)
+            .translationY(targetTransY)
+            .setDuration(320)
+            .setInterpolator(AccelerateInterpolator())
+            .withEndAction {
+                mgr.scaleX = 1f; mgr.scaleY = 1f
+                mgr.translationX = 0f; mgr.translationY = 0f
+                mgr.visibility = View.GONE
+                binding.tvSelectedCardType.translationY = 0f
+
+                binding.btnManageCard.visibility = View.VISIBLE
+                binding.topSpacer.visibility = View.VISIBLE
+                binding.rvCards.visibility = View.VISIBLE
+                binding.llPayButtons.visibility = View.VISIBLE
+                binding.llManageButtons.visibility = View.GONE
+                binding.llDefaultCardRow.visibility = View.GONE
+                binding.llHideDashboardRow.visibility = View.GONE
+                binding.switchDefaultCard.setOnCheckedChangeListener(null)
+                binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
+                buildDots(cards.size, currentCardPosition)
+            }
+            .start()
+
+        binding.tvSelectedCardType.animate()
+            .translationY(targetTextTransY)
+            .setDuration(320)
+            .setInterpolator(AccelerateInterpolator())
+            .withEndAction { binding.tvSelectedCardType.translationY = 0f }
+            .start()
+    }
+
+    // ── Tap-to-pay mode ────────────────────────────────────────────────────────
+
+    private fun setTapMode(enabled: Boolean, item: CardItem.Bml? = null) {
+        isTapMode = enabled
+        requireActivity().title = getString(if (enabled) R.string.card_pay_nfc else R.string.nav_pay_with_card)
+        if (enabled) enterTapMode(item!!) else exitTapMode()
+    }
+
+    private fun showBiometricPromptForTap(item: CardItem.Bml) {
+        val bmgr = BiometricManager.from(requireContext())
+        if (bmgr.canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_STRONG) != BiometricManager.BIOMETRIC_SUCCESS) {
+            setTapMode(true, item)
+            return
+        }
+        val prompt = BiometricPrompt(this, ContextCompat.getMainExecutor(requireContext()),
+            object : BiometricPrompt.AuthenticationCallback() {
+                override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                    setTapMode(true, item)
+                }
+                override fun onAuthenticationError(errorCode: Int, errString: CharSequence) { }
+            })
+        prompt.authenticate(
+            BiometricPrompt.PromptInfo.Builder()
+                .setTitle(getString(R.string.card_pay_nfc))
+                .setSubtitle(item.account.accountBriefName)
+                .setNegativeButtonText(getString(R.string.cancel))
+                .build()
+        )
+    }
+
+    private fun enterTapMode(item: CardItem.Bml) {
+        // Bind card data to the shared manage card view
+        val cv = binding.manageCardView
+        cv.tvCardOwner.text = item.account.accountBriefName
+        cv.tvCardNumber.text = formatMasked(item.account.accountNumber)
+        loadCardImage(cv.ivCardImage, BmlCardParser.cardImageAsset(item.account))
+        val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
+        bindCardStatus(cv.tvCardStatus, item.account.statusDesc.takeUnless { isActive })
+        cv.root.alpha = if (isActive) 1f else 0.45f
+
+        // Snapshot carousel card position before layout changes (for animation)
+        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
+        val lm = binding.rvCards.layoutManager as? LinearLayoutManager
+        val srcView = lm?.findViewByPosition(currentCardPosition)
+        val srcLoc = IntArray(2).also {
+            srcView?.getLocationOnScreen(it) ?: run { it[0] = contentLoc[0]; it[1] = contentLoc[1] }
+        }
+        val srcScreenTop = (srcLoc[1] - contentLoc[1]).toFloat()
+        val srcCenterX = (srcLoc[0] - contentLoc[0]).toFloat() + cardWidth / 2f
+        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+        val textSrcScreenTop = (textLoc[1] - contentLoc[1]).toFloat()
+
+        carouselCardLayoutTop = srcScreenTop
+        carouselCardCenterX = srcCenterX
+        carouselTextLayoutTop = textSrcScreenTop
+
+        // Apply layout changes
+        binding.btnManageCard.visibility = View.GONE
+        binding.topSpacer.visibility = View.GONE
+        binding.rvCards.visibility = View.GONE
+        binding.pageIndicator.visibility = View.GONE
+        binding.divider.visibility = View.GONE
+        binding.llPayButtons.visibility = View.GONE
+        binding.llManageButtons.visibility = View.GONE
+        binding.llDefaultCardRow.visibility = View.GONE
+        binding.manageCardView.root.visibility = View.VISIBLE
+        binding.flTapMode.visibility = View.VISIBLE
+
+        // Build tap mode content: animation view + cancel button
+        binding.flTapMode.removeAllViews()
+        val animView = NfcTapAnimationView(requireContext())
+        tapAnimView = animView
+
+        val dp = resources.displayMetrics.density
+        val cancelBtn = MaterialButton(requireContext(), null,
+            com.google.android.material.R.attr.materialButtonOutlinedStyle
+        ).apply { setText(R.string.cancel); setOnClickListener { setTapMode(false) } }
+
+        val cancelWrapper = LinearLayout(requireContext()).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding(0, 0, 0, (24 * dp).toInt())
+            addView(cancelBtn)
+        }
+        val container = LinearLayout(requireContext()).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = ViewGroup.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.MATCH_PARENT)
+            addView(View(requireContext()).apply {  // spacer pushes content below card
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, 0, 1f)
+            })
+            addView(animView.apply {
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, 0, 3f)
+            })
+            addView(cancelWrapper.apply {
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT)
+            })
+        }
+        binding.flTapMode.addView(container)
+
+        // Animate card up from carousel position (same as manage mode)
+        binding.contentLayout.doOnNextLayout {
+            val mgr = binding.manageCardView.root
+            val dstLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
+            val dstTop = (dstLoc[1] - contentLoc[1]).toFloat()
+            val dstCenterX = (dstLoc[0] - contentLoc[0]).toFloat() + mgr.width / 2f
+
+            mgr.pivotX = mgr.width / 2f
+            mgr.pivotY = 0f
+            mgr.scaleX = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
+            mgr.scaleY = mgr.scaleX
+            mgr.translationX = srcCenterX - dstCenterX
+            mgr.translationY = srcScreenTop - dstTop
+
+            mgr.animate()
+                .scaleX(1f).scaleY(1f)
+                .translationX(0f).translationY(0f)
+                .setDuration(380).setInterpolator(DecelerateInterpolator()).start()
+
+            val textDstLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+            binding.tvSelectedCardType.translationY = textSrcScreenTop - (textDstLoc[1] - contentLoc[1]).toFloat()
+            binding.tvSelectedCardType.animate()
+                .translationY(0f)
+                .setDuration(380).setInterpolator(DecelerateInterpolator()).start()
+        }
+
+        fetchAndArmToken(item)
+    }
+
+    private fun exitTapMode() {
+        tapAnimView?.stopAnimation()
+        tapAnimView = null
+        BmlHostCardEmulatorService.clearToken()
+        BmlHostCardEmulatorService.onTransactionComplete = null
+
+        binding.manageCardView.root.animate().cancel()
+        binding.tvSelectedCardType.animate().cancel()
+
+        val mgr = binding.manageCardView.root
+        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
+        val mgrLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
+        val mgrLayoutTop = (mgrLoc[1] - contentLoc[1]).toFloat() - mgr.translationY
+        val mgrLayoutCenterX = (mgrLoc[0] - contentLoc[0]).toFloat() - mgr.translationX + mgr.width / 2f
+
+        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+        val textLayoutTop = (textLoc[1] - contentLoc[1]).toFloat() - binding.tvSelectedCardType.translationY
+
+        mgr.pivotX = mgr.width / 2f
+        mgr.pivotY = 0f
+
+        mgr.animate()
+            .scaleX(if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f)
+            .scaleY(if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f)
+            .translationX(carouselCardCenterX - mgrLayoutCenterX)
+            .translationY(carouselCardLayoutTop - mgrLayoutTop)
+            .setDuration(320)
+            .setInterpolator(AccelerateInterpolator())
+            .withEndAction {
+                mgr.scaleX = 1f; mgr.scaleY = 1f
+                mgr.translationX = 0f; mgr.translationY = 0f
+                mgr.visibility = View.GONE
+                binding.tvSelectedCardType.translationY = 0f
+                binding.flTapMode.visibility = View.GONE
+                binding.flTapMode.removeAllViews()
+                binding.btnManageCard.visibility = View.VISIBLE
+                binding.topSpacer.visibility = View.VISIBLE
+                binding.rvCards.visibility = View.VISIBLE
+                binding.divider.visibility = View.VISIBLE
+                binding.llPayButtons.visibility = View.VISIBLE
+                buildDots(cards.size, currentCardPosition)
+            }
+            .start()
+
+        binding.tvSelectedCardType.animate()
+            .translationY(carouselTextLayoutTop - textLayoutTop)
+            .setDuration(320)
+            .setInterpolator(AccelerateInterpolator())
+            .withEndAction { binding.tvSelectedCardType.translationY = 0f }
+            .start()
+    }
+
+    private fun fetchAndArmToken(item: CardItem.Bml) {
+        val app = requireActivity().application as BasedBankApp
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val loginId = item.account.loginTag.removePrefix("bml_")
+            val session = app.bmlSessionFor(item.account)
+            val otpSeed = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
+
+            if (session == null || otpSeed == null) {
+                if (isTapMode) {
+                    Toast.makeText(requireContext(),
+                        if (session == null) getString(R.string.transfer_session_unavailable)
+                        else "OTP unavailable",
+                        Toast.LENGTH_SHORT).show()
+                    setTapMode(false)
+                }
+                return@launch
+            }
+
+            val otp = Totp.generate(otpSeed)
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlTapToPayClient().fetchTokens(session, item.account.internalId, otp) }
+            }
+            val token = result.getOrNull()?.firstOrNull()
+
+            if (!isTapMode) return@launch  // user cancelled while we were fetching
+
+            if (token == null) {
+                if (isTapMode) {
+                    Toast.makeText(requireContext(),
+                        result.exceptionOrNull()?.message ?: "Failed to get payment token",
+                        Toast.LENGTH_SHORT).show()
+                    setTapMode(false)
+                }
+                return@launch
+            }
+
+            BmlHostCardEmulatorService.setToken(token)
+            BmlHostCardEmulatorService.onTransactionComplete = { success ->
+                view?.post {
+                    if (!isTapMode) return@post
+                    setTapMode(false)
+                    if (success) Toast.makeText(requireContext(), "Payment complete", Toast.LENGTH_SHORT).show()
+                }
+            }
+        }
+    }
+
+    private fun rebuildCards() {
+        // Remember which card is currently selected by identity so we can restore position after reorder
+        val currentCard = cards.getOrNull(currentCardPosition)
+
+        val defaultNum = store.getDefaultCardAccountNumber()
+        val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+        val bmlItems = (viewModel.accounts.value ?: emptyList())
+            .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
+            .map { CardItem.Bml(it) }
+        val all: List<CardItem> = mibItems + bmlItems
+        // Move default BML card to front
+        cards = if (defaultNum != null) {
+            val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
+            if (def != null) listOf(def) + all.filter { it !== def } else all
+        } else all
+
+        // Restore position to follow the same card after reorder
+        if (currentCard != null) {
+            val newPos = cards.indexOf(currentCard)
+            if (newPos >= 0 && newPos != currentCardPosition) {
+                currentCardPosition = newPos
+                binding.rvCards.scrollToPosition(newPos)
+            }
+        }
+
+        stackAdapter.update(cards)
+        binding.loadingView.visibility = View.GONE
+        val empty = cards.isEmpty()
+        binding.emptyView.visibility = if (empty) View.VISIBLE else View.GONE
+        binding.contentLayout.visibility = if (empty) View.GONE else View.VISIBLE
+        if (!empty) {
+            buildDots(cards.size, currentCardPosition)
+            updateCardInfo(currentCardPosition)
+        }
+
+        // Auto-enter tap mode when launched from shortcut, NFC prompt, or dashboard
+        if (!autoTapModeTriggered && arguments?.getBoolean(ARG_AUTO_TAP_MODE) == true) {
+            val targetAccount = arguments?.getString(ARG_AUTO_TAP_ACCOUNT)
+            val targetCard = if (targetAccount != null)
+                cards.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == targetAccount }
+            else
+                cards.filterIsInstance<CardItem.Bml>().firstOrNull()
+            if (targetCard != null) {
+                autoTapModeTriggered = true
+                // Scroll to the target card first
+                val pos = cards.indexOf(targetCard)
+                if (pos >= 0) {
+                    currentCardPosition = pos
+                    binding.rvCards.scrollToPosition(pos)
+                }
+                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                    showBiometricPromptForTap(targetCard)
+                } else {
+                    setTapMode(true, targetCard)
+                }
+            }
+        }
+    }
+
     private fun applyCardScales() {
         val rv = binding.rvCards
         val rvCenter = rv.paddingStart + (rv.width - rv.paddingStart - rv.paddingEnd) / 2f
@@ -173,6 +728,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
     }
 
     private fun buildDots(count: Int, selected: Int) {
+        if (isManageMode || isTapMode) return
         binding.pageIndicator.removeAllViews()
         if (count <= 1) {
             binding.pageIndicator.visibility = View.GONE
@@ -207,12 +763,36 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
     }
 
+    fun onBackPressed(): Boolean {
+        if (isTapMode) {
+            setTapMode(false)
+            return true
+        }
+        if (isManageMode) {
+            setManageMode(false)
+            return true
+        }
+        return false
+    }
+
+    override fun onPause() {
+        super.onPause()
+        if (isTapMode) {
+            BmlHostCardEmulatorService.clearToken()
+            BmlHostCardEmulatorService.onTransactionComplete = null
+        }
+    }
+
     override fun onResume() {
         super.onResume()
         requireActivity().title = getString(R.string.nav_pay_with_card)
     }
 
     override fun onDestroyView() {
+        tapAnimView?.stopAnimation()
+        tapAnimView = null
+        BmlHostCardEmulatorService.clearToken()
+        BmlHostCardEmulatorService.onTransactionComplete = null
         super.onDestroyView()
         _binding = null
     }
@@ -274,7 +854,114 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
     }
 
+    // ── NFC animation view ─────────────────────────────────────────────────────
+
+    private inner class NfcTapAnimationView(context: Context) : View(context) {
+
+        private val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+        private val animator = ValueAnimator.ofFloat(0f, 1f).apply {
+            duration = 1600
+            repeatCount = ValueAnimator.INFINITE
+            repeatMode = ValueAnimator.RESTART
+            addUpdateListener { invalidate() }
+            start()
+        }
+
+        fun stopAnimation() = animator.cancel()
+
+        override fun onDraw(canvas: Canvas) {
+            val w = width.toFloat(); val h = height.toFloat()
+            if (w <= 0f || h <= 0f) return
+
+            val dp = resources.displayMetrics.density
+            val progress = animator.animatedFraction
+            val cx = w / 2f; val cy = h / 2f - 20 * dp
+
+            val colorOnSurface = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.BLACK)
+            val colorPrimary = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorPrimary, android.graphics.Color.BLUE)
+            val colorSurfaceVariant = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorSurfaceVariant, android.graphics.Color.LTGRAY)
+
+            // Phone (left of center)
+            val phoneW = 36 * dp; val phoneH = 62 * dp
+            val phoneX = cx - 72 * dp - phoneW; val phoneY = cy - phoneH / 2f
+
+            // POS terminal (right of center)
+            val posW = 30 * dp; val posH = 50 * dp
+            val posX = cx + 72 * dp; val posY = cy - posH / 2f
+
+            // Phone body
+            paint.style = Paint.Style.FILL; paint.color = colorSurfaceVariant
+            canvas.drawRoundRect(phoneX, phoneY, phoneX + phoneW, phoneY + phoneH, 6 * dp, 6 * dp, paint)
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2 * dp; paint.color = colorOnSurface
+            canvas.drawRoundRect(phoneX, phoneY, phoneX + phoneW, phoneY + phoneH, 6 * dp, 6 * dp, paint)
+
+            // Phone screen
+            paint.style = Paint.Style.FILL; paint.color = colorPrimary; paint.alpha = 70
+            canvas.drawRoundRect(phoneX + 3 * dp, phoneY + 8 * dp,
+                phoneX + phoneW - 3 * dp, phoneY + phoneH - 12 * dp, 3 * dp, 3 * dp, paint)
+            paint.alpha = 255
+
+            // Static NFC arcs on the right side of phone
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2 * dp; paint.color = colorPrimary
+            val arcOriginX = phoneX + phoneW
+            for (i in 1..3) {
+                val r = i * 10 * dp
+                paint.alpha = 220 - i * 50
+                canvas.drawArc(RectF(arcOriginX - r, cy - r, arcOriginX + r, cy + r),
+                    -70f, 140f, false, paint)
+            }
+            paint.alpha = 255
+
+            // POS terminal body
+            paint.style = Paint.Style.FILL; paint.color = colorSurfaceVariant
+            canvas.drawRoundRect(posX, posY, posX + posW, posY + posH, 5 * dp, 5 * dp, paint)
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2 * dp; paint.color = colorOnSurface
+            canvas.drawRoundRect(posX, posY, posX + posW, posY + posH, 5 * dp, 5 * dp, paint)
+
+            // POS screen
+            paint.style = Paint.Style.FILL; paint.color = colorPrimary; paint.alpha = 70
+            canvas.drawRoundRect(posX + 3 * dp, posY + 4 * dp,
+                posX + posW - 3 * dp, posY + posH * 0.45f, 3 * dp, 3 * dp, paint)
+            paint.alpha = 255
+
+            // POS card slot
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 1.5f * dp; paint.color = colorOnSurface
+            canvas.drawLine(posX + 4 * dp, posY + posH * 0.72f, posX + posW - 4 * dp, posY + posH * 0.72f, paint)
+
+            // Animated NFC rings travelling from phone toward POS
+            val gapStart = arcOriginX + 28 * dp
+            val gapEnd = posX - 4 * dp
+            val midX = (gapStart + gapEnd) / 2f
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2.5f * dp
+            for (i in 0..2) {
+                val p = ((progress + i / 3f) % 1f)
+                val r = p * (gapEnd - gapStart) / 2f + 6 * dp
+                paint.color = colorPrimary; paint.alpha = ((1f - p) * 200).toInt().coerceIn(0, 255)
+                canvas.drawArc(RectF(midX - r, cy - r, midX + r, cy + r), -80f, 160f, false, paint)
+            }
+            paint.alpha = 255
+
+            // Label
+            paint.style = Paint.Style.FILL; paint.color = colorOnSurface; paint.alpha = 160
+            paint.textSize = 14 * dp; paint.textAlign = Paint.Align.CENTER
+            canvas.drawText(context.getString(R.string.card_pay_nfc), cx, cy + 60 * dp, paint)
+            paint.alpha = 255; paint.textAlign = Paint.Align.LEFT
+        }
+    }
+
     companion object {
+        private const val ARG_AUTO_TAP_MODE = "auto_tap_mode"
+        private const val ARG_AUTO_TAP_ACCOUNT = "auto_tap_account"
+        fun newInstanceWithAutoTapMode(accountNumber: String? = null) = CardsFragment().apply {
+            arguments = Bundle().apply {
+                putBoolean(ARG_AUTO_TAP_MODE, true)
+                if (accountNumber != null) putString(ARG_AUTO_TAP_ACCOUNT, accountNumber)
+            }
+        }
+
         fun cardImageAsset(card: MibCard): String? = when (card.cardType) {
             "51" -> "cards/mib/faisa_card.png"
             "53" -> "cards/mib/visa_black_platinum.png"

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

@@ -1,7 +1,10 @@
 package sh.sar.basedbank.ui.home
 
+import android.Manifest
 import android.content.Context
 import android.content.Intent
+import android.content.pm.PackageManager
+import android.provider.Settings as AndroidSettings
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
 import android.net.Uri
@@ -15,6 +18,7 @@ import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.TextView
 import androidx.activity.result.contract.ActivityResultContracts
+import androidx.core.content.ContextCompat
 import androidx.core.content.FileProvider
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
@@ -77,6 +81,29 @@ class SettingsLoginsFragment : Fragment() {
         handlePickedImage(bitmap)
     }
 
+    private val cameraPermissionLauncher = registerForActivityResult(
+        ActivityResultContracts.RequestPermission()
+    ) { granted ->
+        if (granted) cameraLauncher.launch(cameraPhotoUri ?: return@registerForActivityResult)
+        else showCameraPermissionRationale()
+    }
+
+    private fun showCameraPermissionRationale() {
+        val ctx = requireContext()
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.qr_camera_permission_title)
+            .setMessage(R.string.camera_permission_profile_message)
+            .setNegativeButton(R.string.cancel) { dialog, _ -> dialog.dismiss() }
+            .setPositiveButton(R.string.go_to_settings) { _, _ ->
+                startActivity(
+                    Intent(AndroidSettings.ACTION_APPLICATION_DETAILS_SETTINGS).apply {
+                        data = Uri.fromParts("package", ctx.packageName, null)
+                    }
+                )
+            }
+            .show()
+    }
+
     private fun loadAndScaleBitmap(uri: Uri): Bitmap? {
         return try {
             val ctx = requireContext()
@@ -159,7 +186,11 @@ class SettingsLoginsFragment : Fragment() {
             val photoFile = File(ctx.cacheDir, "profile_photo_tmp.jpg")
             val uri = FileProvider.getUriForFile(ctx, "${ctx.packageName}.fileprovider", photoFile)
             cameraPhotoUri = uri
-            cameraLauncher.launch(uri)
+            if (ContextCompat.checkSelfPermission(ctx, Manifest.permission.CAMERA) == PackageManager.PERMISSION_GRANTED) {
+                cameraLauncher.launch(uri)
+            } else {
+                cameraPermissionLauncher.launch(Manifest.permission.CAMERA)
+            }
         }
         if (target is PendingImageTarget.Mib || currentBitmap != null || hasSavedImage(ctx, target)) {
             items += Triple(R.drawable.ic_delete, getString(R.string.profile_image_remove)) {

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

@@ -125,9 +125,12 @@ class TransferFragment : Fragment() {
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
 
         // BML card/gateway QR — hand off to dedicated payment screen
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+            val fromCard = selectedAccount?.takeIf {
+                it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
+            }
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, fromCard?.accountNumber))
             return@registerForActivityResult
         }
 
@@ -290,6 +293,25 @@ class TransferFragment : Fragment() {
             }
             bmlQrInfo = info
 
+            // Auto-select the user's default BML card if no card was pre-selected
+            if (selectedAccount == null) {
+                val defaultNum = CredentialStore(requireContext()).getDefaultCardAccountNumber()
+                if (defaultNum != null) {
+                    val allAccounts = viewModel.accounts.value ?: emptyList()
+                    val defaultCard = allAccounts.firstOrNull {
+                        it.accountNumber == defaultNum &&
+                        (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") &&
+                        it.statusDesc.equals("Active", ignoreCase = true)
+                    }
+                    if (defaultCard != null) {
+                        selectedAccount = defaultCard
+                        updateAmountPrefix(defaultCard)
+                        showFromCard(defaultCard)
+                        updateTransferButton()
+                    }
+                }
+            }
+
             // Show merchant in the "To" card — clear button hidden (can't change recipient for QR)
             binding.tvToAccountName.text = info.merchantName
             binding.tvToBankBic.text = info.merchantAddress.ifBlank { "BML Merchant" }
@@ -297,7 +319,6 @@ class TransferFragment : Fragment() {
             binding.tvToBalance.visibility = View.GONE
             binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
             binding.ivToPhoto.setImageBitmap(makeInitialsBitmap(info.merchantName, "#0066A1"))
-            binding.btnClearToInfo.visibility = View.GONE
             binding.cardToInfo.visibility = View.VISIBLE
 
             // Pre-fill amount if dynamic QR
@@ -353,6 +374,14 @@ class TransferFragment : Fragment() {
 
             binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
                 val picked = accountDropdownAdapter?.getAccount(position) ?: return@setOnItemClickListener
+                if (bmlQrInfo != null) {
+                    val isCard = picked.profileType == "BML_PREPAID" || picked.profileType == "BML_CREDIT" || picked.profileType == "BML_DEBIT"
+                    if (!isCard) {
+                        Toast.makeText(requireContext(), "Unsupported for BML QR — select a card", Toast.LENGTH_SHORT).show()
+                        binding.actvFrom.setText("", false)
+                        return@setOnItemClickListener
+                    }
+                }
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
@@ -506,6 +535,14 @@ class TransferFragment : Fragment() {
         binding.tilTo.setEndIconOnClickListener { lookupAccount() }
 
         binding.btnClearToInfo.setOnClickListener {
+            if (bmlQrInfo != null) {
+                bmlQrInfo = null
+                bmlGatewayQr = false
+                binding.tilAmount.isEnabled = true
+                binding.tilRemarks.isEnabled = true
+                binding.tilRemarks.alpha = 1f
+                binding.etAmount.setText("")
+            }
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
             resolvedToOwnAccount = null
@@ -1737,6 +1774,7 @@ class TransferFragment : Fragment() {
                         .also { it.root.tag = it }
                 }
                 val inactive = (acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT" || acc.profileType == "BML_DEBIT") && !acc.statusDesc.equals("Active", ignoreCase = true)
+                val isCard = acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT" || acc.profileType == "BML_DEBIT"
                 val isBmlAccount = acc.bank == "BML"
                 val ownerPrefix = if (isBmlAccount && acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
                 val hide = viewModel.hideAmounts.value ?: false
@@ -1754,7 +1792,11 @@ class TransferFragment : Fragment() {
                 }
                 val balance = displayData?.balance ?: ""
                 b.tvDropdownBalance.text = if (hide && balance.isNotBlank()) maskAmount(balance) else balance
-                b.root.alpha = if (inactive) 0.4f else 1f
+                b.root.alpha = when {
+                    inactive -> 0.4f
+                    bmlQrInfo != null && !isCard -> 0.35f
+                    else -> 1f
+                }
                 val networkIcon = BmlCardParser.cardNetworkIcon(acc)
                 when {
                     networkIcon != null -> {

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

@@ -1,5 +1,8 @@
 package sh.sar.basedbank.ui.login
 
+import android.content.ClipData
+import android.content.ClipboardManager
+import android.content.Context
 import android.content.Intent
 import android.os.Bundle
 import android.view.LayoutInflater
@@ -81,6 +84,17 @@ class CredentialsFragment : Fragment() {
         binding.btnLogin.isEnabled = false
         binding.btnLogin.setOnClickListener { attemptLogin() }
 
+        binding.cardOtp.setOnClickListener {
+            val code = binding.tvOtpCode.text.toString().replace(" ", "")
+            if (code.isNotEmpty()) {
+                val clipboard = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+                clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
+                if (android.os.Build.VERSION.SDK_INT < android.os.Build.VERSION_CODES.TIRAMISU) {
+                    Toast.makeText(requireContext(), "OTP copied", Toast.LENGTH_SHORT).show()
+                }
+            }
+        }
+
         val loginFieldWatcher = object : TextWatcher {
             override fun afterTextChanged(s: Editable?) { updateLoginButtonState() }
             override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}

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

@@ -615,6 +615,29 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
+    // ── Default payment card ──────────────────────────────────────────────────
+
+    /** BML card account number the user has pinned as their default payment card, or null. */
+    fun getDefaultCardAccountNumber(): String? = prefs.getString("default_card_account_number", null)
+
+    fun setDefaultCardAccountNumber(accountNumber: String?) {
+        val editor = prefs.edit()
+        if (accountNumber == null) editor.remove("default_card_account_number")
+        else editor.putString("default_card_account_number", accountNumber)
+        editor.apply()
+    }
+
+    // ── Dashboard card visibility ─────────────────────────────────────────────
+
+    fun getHiddenDashboardCardNumbers(): Set<String> =
+        prefs.getStringSet("hidden_dashboard_cards", emptySet()) ?: emptySet()
+
+    fun setCardHiddenFromDashboard(accountNumber: String, hidden: Boolean) {
+        val current = getHiddenDashboardCardNumbers().toMutableSet()
+        if (hidden) current.add(accountNumber) else current.remove(accountNumber)
+        prefs.edit().putStringSet("hidden_dashboard_cards", current).apply()
+    }
+
     // ── MIB profile visibility (per loginId) ─────────────────────────────────
 
     /** Returns the set of MIB profile IDs the user has chosen to hide (for a given loginId). */

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

@@ -9,6 +9,24 @@ data class PaymvQrData(
 
 object PaymvQrParser {
 
+    /**
+     * Returns the BML gateway URL if [raw] is or contains one, otherwise null.
+     * Handles both plain URL QRs and combined EMV QRs (e.g. Fahipay+BML card QR).
+     * For combined EMV QRs the URL is parsed from TLV (root tag 35 → sub-tag 20 → sub-sub-tag 01)
+     * rather than via regex, to avoid greedily consuming subsequent EMV tag bytes.
+     */
+    fun extractBmlGatewayUrl(raw: String): String? {
+        if (raw.startsWith("https://pay.bml.com.mv/app/")) return raw
+        return try {
+            val root = parseTlv(raw)
+            val bmlMerchantInfo = root["35"]?.let { parseTlv(it) } ?: return null
+            val inner = bmlMerchantInfo["20"]?.let { parseTlv(it) } ?: return null
+            inner["01"]?.takeIf { it.startsWith("https://pay.bml.com.mv/app/") }
+        } catch (_: Exception) {
+            null
+        }
+    }
+
     fun parse(raw: String): PaymvQrData? {
         return try {
             val root = parseTlv(raw)

app/src/main/res/drawable/bml_logo_vector.xml

@@ -5,19 +5,20 @@
     android:viewportWidth="60"
     android:viewportHeight="60">
 
-    <!-- White background -->
-    <path
-        android:fillColor="#FFFFFF"
-        android:pathData="M0 59.776h59.785V0H0z"/>
-
     <!-- Red background -->
     <path
         android:fillColor="#E21B23"
-        android:pathData="M3.297 56.421h53.191V3.356H3.298z"/>
+        android:pathData="M0 60h60V0H0z"/>
 
     <!-- White logo mark -->
-    <path
-        android:fillColor="#FFFFFF"
-        android:fillType="evenOdd"
-        android:pathData="M37.421 6.708v34.059h-3.7V20.853L22.763 40.767H18.65l18.77-34.06zM18.517 51.073l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.03c-.613.313-1.228.626-1.88.626-.65 0-1.265-.313-1.879-.626-.553-.283-1.108-.564-1.624-.564-.514 0-1.069.28-1.62.564-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.068.28-1.62.564c-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.069.28-1.622.564c-.614.313-1.228.626-1.879.626-.6 0-1.167-.265-1.73-.55v-1.446zm0-2.816l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.028c-.613.315-1.228.627-1.88.627-.65 0-1.265-.312-1.879-.627-.553-.281-1.108-.562-1.624-.562-.514 0-1.069.28-1.62.562-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.068.28-1.62.562c-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.069.28-1.622.562c-.614.315-1.228.627-1.879.627-.6 0-1.167-.264-1.73-.55v-1.445zm12.428-6.042h12.41v3.969h-12.41v-.001H18.531l-2.1-3.968h14.514z"/>
+    <group
+        android:scaleX="0.85"
+        android:scaleY="0.85"
+        android:pivotX="30"
+        android:pivotY="30">
+        <path
+            android:fillColor="#FFFFFF"
+            android:fillType="evenOdd"
+            android:pathData="M37.421 6.708v34.059h-3.7V20.853L22.763 40.767H18.65l18.77-34.06zM18.517 51.073l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.03c-.613.313-1.228.626-1.88.626-.65 0-1.265-.313-1.879-.626-.553-.283-1.108-.564-1.624-.564-.514 0-1.069.28-1.62.564-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.068.28-1.62.564c-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.069.28-1.622.564c-.614.313-1.228.626-1.879.626-.6 0-1.167-.265-1.73-.55v-1.446zm0-2.816l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.028c-.613.315-1.228.627-1.88.627-.65 0-1.265-.312-1.879-.627-.553-.281-1.108-.562-1.624-.562-.514 0-1.069.28-1.62.562-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.068.28-1.62.562c-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.069.28-1.622.562c-.614.315-1.228.627-1.879.627-.6 0-1.167-.264-1.73-.55v-1.445zm12.428-6.042h12.41v3.969h-12.41v-.001H18.531l-2.1-3.968h14.514z"/>
+    </group>
 </vector>

app/src/main/res/drawable/ic_manage_card.xml

@@ -0,0 +1,39 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <!-- Card icon -->
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M20,4H4C2.89,4 2.01,4.89 2.01,6L2,18c0,1.11 0.89,2 2,2h16c1.11,0 2,-0.89 2,-2V6C22,4.89 21.11,4 20,4zM20,18H4v-6h16V18zM20,8H4V6h16V8z" />
+    <!-- Background circle separating gear from card -->
+    <path
+        android:fillColor="?attr/colorSurface"
+        android:pathData="M12.5,18 A5.5,5.5 0 1 0 23.5,18 A5.5,5.5 0 1 0 12.5,18 Z" />
+    <!--
+        Simple 6-tooth gear, scaled 0.5x and placed at (18,18) in the icon.
+        The gear path is drawn in a 24×24 space (center 12,12); the group
+        transform maps it: point(x,y) → (x·0.5+12, y·0.5+12).
+        Outer radius=10, root radius=7, hub radius=4.
+        Teeth are rectangular (straight-line) so they stay crisp at small scale.
+        Outer ring is clockwise; hub hole is counterclockwise (nonZero cutout).
+    -->
+    <group
+        android:scaleX="0.5"
+        android:scaleY="0.5"
+        android:translateX="12"
+        android:translateY="12">
+        <path
+            android:fillColor="?attr/colorOnSurfaceVariant"
+            android:pathData="
+                M18.58,9.61 L21.85,10.26 L21.85,13.74 L18.58,14.39
+                L17.36,16.50 L18.43,19.66 L15.42,21.40 L13.22,18.89
+                L10.78,18.89 L8.58,21.40 L5.57,19.66 L6.64,16.50
+                L5.42,14.39 L2.15,13.74 L2.15,10.26 L5.42,9.61
+                L6.64,7.50 L5.57,4.34 L8.58,2.60 L10.78,5.11
+                L13.22,5.11 L15.42,2.60 L18.43,4.34 L17.36,7.50 Z
+                M12,8 A4,4 0 1 0 12,16 A4,4 0 1 0 12,8 Z" />
+    </group>
+</vector>

app/src/main/res/drawable/ic_nfc.xml

@@ -2,9 +2,41 @@
 <vector xmlns:android="http://schemas.android.com/apk/res/android"
     android:width="24dp"
     android:height="24dp"
-    android:viewportWidth="24"
-    android:viewportHeight="24">
+    android:viewportWidth="48"
+    android:viewportHeight="48">
+
+    <!-- Phone outline -->
     <path
-        android:fillColor="?attr/colorOnSurface"
-        android:pathData="M20,2L4,2C2.9,2 2,2.9 2,4l0,16c0,1.1 0.9,2 2,2l16,0c1.1,0 2,-0.9 2,-2L22,4C22,2.9 21.1,2 20,2zM13,18l-2,0 0,-1c-2.76,0 -5,-2.24 -5,-5s2.24,-5 5,-5 5,2.24 5,5l-2,0c0,-1.65 -1.35,-3 -3,-3s-3,1.35 -3,3 1.35,3 3,3l0,-2 2,3zM19,12l-2,0c0,-2.76 -2.24,-5 -5,-5l0,-2C15.87,5 19,8.13 19,12z"/>
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M6.08,8.6 L20.45,8.6 A1.58,1.58,0,0,1,22.03,10.18 L22.03,37.81 A1.58,1.58,0,0,1,20.45,39.39 L6.08,39.39 A1.58,1.58,0,0,1,4.5,37.81 L4.5,10.18 A1.58,1.58,0,0,1,6.08,8.6 Z"/>
+
+    <!-- Top notch line -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:pathData="M4.5,12.55 L22.03,12.55"/>
+
+    <!-- Bottom notch line -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:pathData="M4.5,35.45 L22.03,35.45"/>
+
+    <!-- NFC waves (outer, mid, inner) -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M36.07,9.29 a18.28,18.28,0,0,1,0,29.42 m-4,-24.16 a11.84,11.84,0,0,1,5,9.45 11.84,11.84,0,0,1,-5,9.45 m-3.68,-14 a5.67,5.67,0,0,1,0,9.1"/>
+
 </vector>

app/src/main/res/drawable/ic_shortcut_pay_card_fg.xml

@@ -4,13 +4,47 @@
     android:height="108dp"
     android:viewportWidth="108"
     android:viewportHeight="108">
+
     <group
         android:translateX="30"
         android:translateY="30"
-        android:scaleX="2"
-        android:scaleY="2">
+        android:scaleX="1.0"
+        android:scaleY="1.0">
+
+        <!-- Phone outline -->
         <path
-            android:fillColor="#FFFFFF"
-            android:pathData="M20,4H4C2.89,4 2.01,4.89 2.01,6L2,18c0,1.11 0.89,2 2,2h16c1.11,0 2,-0.89 2,-2V6C22,4.89 21.11,4 20,4zM20,18H4v-6h16V18zM20,8H4V6h16V8z" />
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:strokeLineJoin="round"
+            android:pathData="M6.08,8.6 L20.45,8.6 A1.58,1.58,0,0,1,22.03,10.18 L22.03,37.81 A1.58,1.58,0,0,1,20.45,39.39 L6.08,39.39 A1.58,1.58,0,0,1,4.5,37.81 L4.5,10.18 A1.58,1.58,0,0,1,6.08,8.6 Z"/>
+
+        <!-- Top notch line -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:pathData="M4.5,12.55 L22.03,12.55"/>
+
+        <!-- Bottom notch line -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:pathData="M4.5,35.45 L22.03,35.45"/>
+
+        <!-- NFC waves -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:strokeLineJoin="round"
+            android:pathData="M36.07,9.29 a18.28,18.28,0,0,1,0,29.42 m-4,-24.16 a11.84,11.84,0,0,1,5,9.45 11.84,11.84,0,0,1,-5,9.45 m-3.68,-14 a5.67,5.67,0,0,1,0,9.1"/>
+
     </group>
+
 </vector>

app/src/main/res/layout/fragment_cards.xml

@@ -14,12 +14,47 @@
             android:orientation="vertical"
             android:visibility="gone">
 
-            <!-- Top spacer: pushes card to vertical center -->
+            <!-- Manage Card button row -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="end"
+                android:paddingHorizontal="12dp"
+                android:paddingTop="4dp">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnManageCard"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:text="@string/card_manage"
+                    android:textSize="12sp"
+                    app:icon="@drawable/ic_manage_card"
+                    app:iconSize="20dp"
+                    app:iconPadding="4dp" />
+
+            </LinearLayout>
+
+            <!-- Top spacer: pushes card to vertical center (hidden in manage mode) -->
             <View
+                android:id="@+id/topSpacer"
                 android:layout_width="match_parent"
                 android:layout_height="0dp"
                 android:layout_weight="1" />
 
+            <!-- Manage mode: selected card with overlays -->
+            <include
+                android:id="@+id/manageCardView"
+                layout="@layout/item_card_stack"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginHorizontal="16dp"
+                android:layout_marginTop="8dp"
+                android:visibility="gone" />
+
             <!-- Horizontal card stack. Width/padding set programmatically for centering + peek. -->
             <androidx.recyclerview.widget.RecyclerView
                 android:id="@+id/rvCards"
@@ -58,20 +93,22 @@
 
             <!-- Divider -->
             <View
+                android:id="@+id/divider"
                 android:layout_width="match_parent"
                 android:layout_height="1dp"
                 android:layout_marginHorizontal="24dp"
                 android:layout_marginBottom="4dp"
                 android:background="?attr/colorOutlineVariant" />
 
-            <!-- Primary pay actions -->
+            <!-- Primary pay actions (normal mode) -->
             <LinearLayout
+                android:id="@+id/llPayButtons"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
                 android:orientation="horizontal"
                 android:paddingHorizontal="16dp"
                 android:paddingTop="8dp"
-                android:paddingBottom="4dp">
+                android:paddingBottom="12dp">
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnScanToPay"
@@ -111,61 +148,134 @@
 
             </LinearLayout>
 
-            <!-- Secondary card management actions -->
+            <!-- Default card toggle (manage mode only) -->
             <LinearLayout
+                android:id="@+id/llDefaultCardRow"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical"
+                android:paddingHorizontal="20dp"
+                android:paddingTop="4dp"
+                android:paddingBottom="4dp"
+                android:visibility="gone">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/card_set_as_default"
+                    android:textAppearance="?attr/textAppearanceBodyMedium" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchDefaultCard"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+            <!-- Hide from dashboard toggle (manage mode only) -->
+            <LinearLayout
+                android:id="@+id/llHideDashboardRow"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical"
+                android:paddingHorizontal="20dp"
+                android:paddingTop="4dp"
+                android:paddingBottom="4dp"
+                android:visibility="gone">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/card_hide_from_dashboard"
+                    android:textAppearance="?attr/textAppearanceBodyMedium" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchHideFromDashboard"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+            <!-- Card management actions (manage mode only) -->
+            <LinearLayout
+                android:id="@+id/llManageButtons"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
                 android:orientation="horizontal"
                 android:paddingHorizontal="8dp"
-                android:paddingTop="4dp"
-                android:paddingBottom="8dp">
+                android:paddingTop="8dp"
+                android:paddingBottom="12dp"
+                android:visibility="gone">
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnChangePin"
-                    style="@style/Widget.Material3.Button.TextButton"
+                    style="@style/Widget.Material3.Button.TonalButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
+                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
+                    android:paddingTop="14dp"
+                    android:paddingBottom="14dp"
                     android:text="@string/card_action_change_pin"
-                    android:textSize="11sp"
+                    android:textSize="12sp"
                     app:icon="@drawable/ic_edit"
-                    app:iconSize="16dp"
-                    app:iconPadding="3dp" />
+                    app:iconSize="22dp"
+                    app:iconGravity="top"
+                    app:iconPadding="6dp" />
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnFreeze"
-                    style="@style/Widget.Material3.Button.TextButton"
+                    style="@style/Widget.Material3.Button.TonalButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
+                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
+                    android:paddingTop="14dp"
+                    android:paddingBottom="14dp"
                     android:text="@string/card_action_freeze"
-                    android:textSize="11sp"
+                    android:textSize="12sp"
                     app:icon="@drawable/ic_freeze"
-                    app:iconSize="16dp"
-                    app:iconPadding="3dp" />
+                    app:iconSize="22dp"
+                    app:iconGravity="top"
+                    app:iconPadding="6dp" />
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnBlock"
-                    style="@style/Widget.Material3.Button.TextButton"
+                    style="@style/Widget.Material3.Button.TonalButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
+                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
+                    android:paddingTop="14dp"
+                    android:paddingBottom="14dp"
                     android:text="@string/card_action_block"
-                    android:textSize="11sp"
+                    android:textSize="12sp"
                     app:icon="@drawable/ic_block"
-                    app:iconSize="16dp"
-                    app:iconPadding="3dp" />
+                    app:iconSize="22dp"
+                    app:iconGravity="top"
+                    app:iconPadding="6dp" />
 
             </LinearLayout>
 
         </LinearLayout>
 
+        <!-- Tap-to-pay overlay: shown in tap mode, sits above contentLayout -->
+        <FrameLayout
+            android:id="@+id/flTapMode"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:visibility="gone" />
+
         <!-- Loading state -->
         <LinearLayout
             android:id="@+id/loadingView"

app/src/main/res/layout/fragment_credentials.xml

@@ -116,6 +116,8 @@
             android:layout_marginTop="8dp"
             android:layout_marginBottom="8dp"
             android:visibility="invisible"
+            android:clickable="true"
+            android:focusable="true"
             app:cardBackgroundColor="?attr/colorSecondaryContainer"
             app:cardCornerRadius="12dp"
             app:cardElevation="0dp">

app/src/main/res/layout/fragment_dashboard.xml

@@ -176,9 +176,9 @@
 
         </LinearLayout>
 
-        <!-- Attention row: Blocked + Overdue (hidden when nothing applies) -->
+        <!-- Blocked funds row: MVR + USD separate cards (hidden when no blocked amounts) -->
         <LinearLayout
-            android:id="@+id/rowAttention"
+            android:id="@+id/rowBlocked"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:orientation="horizontal"
@@ -186,7 +186,7 @@
             android:visibility="gone">
 
             <com.google.android.material.card.MaterialCardView
-                android:id="@+id/cardBlocked"
+                android:id="@+id/cardBlockedMvr"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
@@ -205,12 +205,12 @@
                     <TextView
                         android:layout_width="wrap_content"
                         android:layout_height="wrap_content"
-                        android:text="@string/dashboard_blocked"
+                        android:text="@string/dashboard_blocked_mvr"
                         android:textAppearance="?attr/textAppearanceLabelSmall"
                         android:textColor="?attr/colorOnErrorContainer" />
 
                     <TextView
-                        android:id="@+id/tvBlockedTotal"
+                        android:id="@+id/tvBlockedMvr"
                         android:layout_width="wrap_content"
                         android:layout_height="wrap_content"
                         android:layout_marginTop="4dp"
@@ -218,22 +218,12 @@
                         android:textAppearance="?attr/textAppearanceTitleMedium"
                         android:textColor="?attr/colorOnErrorContainer" />
 
-                    <TextView
-                        android:id="@+id/tvBlockedSecondary"
-                        android:layout_width="wrap_content"
-                        android:layout_height="wrap_content"
-                        android:layout_marginTop="2dp"
-                        android:textAppearance="?attr/textAppearanceLabelSmall"
-                        android:textColor="?attr/colorOnErrorContainer"
-                        android:alpha="0.75"
-                        android:visibility="gone" />
-
                 </LinearLayout>
 
             </com.google.android.material.card.MaterialCardView>
 
             <com.google.android.material.card.MaterialCardView
-                android:id="@+id/cardOverdue"
+                android:id="@+id/cardBlockedUsd"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
@@ -241,6 +231,52 @@
                 app:cardElevation="1dp"
                 app:cardCornerRadius="12dp"
                 app:cardBackgroundColor="?attr/colorErrorContainer"
+                android:visibility="gone">
+
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:padding="16dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="@string/dashboard_blocked_usd"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnErrorContainer" />
+
+                    <TextView
+                        android:id="@+id/tvBlockedUsd"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="4dp"
+                        android:text="USD —"
+                        android:textAppearance="?attr/textAppearanceTitleMedium"
+                        android:textColor="?attr/colorOnErrorContainer" />
+
+                </LinearLayout>
+
+            </com.google.android.material.card.MaterialCardView>
+
+        </LinearLayout>
+
+        <!-- Overdue row (hidden when no overdue financing) -->
+        <LinearLayout
+            android:id="@+id/rowAttention"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:layout_marginTop="16dp"
+            android:visibility="gone">
+
+            <com.google.android.material.card.MaterialCardView
+                android:id="@+id/cardOverdue"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                app:cardElevation="1dp"
+                app:cardCornerRadius="12dp"
+                app:cardBackgroundColor="?attr/colorErrorContainer"
                 android:clickable="true"
                 android:focusable="true"
                 android:visibility="gone">

app/src/main/res/layout/fragment_pay_mv_qr.xml

@@ -64,7 +64,6 @@
         android:layout_height="wrap_content"
         android:layout_marginBottom="12dp"
         android:hint="@string/paymvqr_amount_hint"
-        app:helperText="@string/paymvqr_amount_helper"
         app:prefixText="MVR ">
 
         <com.google.android.material.textfield.TextInputEditText
@@ -76,6 +75,47 @@
 
     </com.google.android.material.textfield.TextInputLayout>
 
+    <!-- Reference / purpose (optional) -->
+    <com.google.android.material.textfield.TextInputLayout
+        android:id="@+id/tilReference"
+        style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginBottom="10dp"
+        android:hint="@string/paymvqr_reference_hint">
+
+        <com.google.android.material.textfield.TextInputEditText
+            android:id="@+id/etReference"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:inputType="text"
+            android:maxLines="1" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <!-- Include phone number toggle -->
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="horizontal"
+        android:gravity="center_vertical"
+        android:layout_marginBottom="12dp">
+
+        <TextView
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:text="@string/paymvqr_include_phone"
+            android:textAppearance="?attr/textAppearanceBodyMedium" />
+
+        <com.google.android.material.materialswitch.MaterialSwitch
+            android:id="@+id/switchIncludePhone"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:checked="true" />
+
+    </LinearLayout>
+
     <!-- Action buttons — always visible; share/save disabled until QR is rendered -->
     <LinearLayout
         android:id="@+id/layoutActions"

app/src/main/res/layout/item_card_dashboard.xml

@@ -2,7 +2,7 @@
 <com.google.android.material.card.MaterialCardView
     xmlns:android="http://schemas.android.com/apk/res/android"
     xmlns:app="http://schemas.android.com/apk/res-auto"
-    android:layout_width="280dp"
+    android:layout_width="320dp"
     android:layout_height="wrap_content"
     android:layout_marginEnd="12dp"
     app:cardCornerRadius="16dp"

app/src/main/res/layout/item_otp_card.xml

@@ -6,6 +6,8 @@
     android:layout_height="wrap_content"
     android:layout_marginHorizontal="16dp"
     android:layout_marginBottom="12dp"
+    android:clickable="true"
+    android:focusable="true"
     app:cardCornerRadius="16dp"
     app:cardElevation="2dp">
 

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

@@ -115,11 +115,13 @@
     <!-- PayMV QR Generator -->
     <string name="paymvqr_select_account">Select account</string>
     <string name="paymvqr_amount_hint">Amount (optional)</string>
-    <string name="paymvqr_amount_helper">Leave empty to allow payer to enter any amount</string>
     <string name="paymvqr_share">Share</string>
     <string name="paymvqr_save_image">Save Image</string>
     <string name="paymvqr_saved">QR saved to gallery</string>
     <string name="paymvqr_save_failed">Failed to save image</string>
+    <string name="paymvqr_include_phone">Include phone number</string>
+    <string name="paymvqr_reference_hint">Reference (optional)</string>
+    <string name="paymvqr_reference_default">PayMV QR Transfer</string>
 
     <!-- Toolbar -->
     <string name="action_lock">Lock app</string>
@@ -218,7 +220,8 @@
     <string name="cards">Cards</string>
     <string name="available_balance">Available Balance</string>
     <string name="account_blocked_label">%1$s blocked</string>
-    <string name="dashboard_blocked">Blocked Funds</string>
+    <string name="dashboard_blocked_mvr">Blocked MVR</string>
+    <string name="dashboard_blocked_usd">Blocked USD</string>
     <string name="dashboard_overdue">Overdue Financing</string>
 
     <!-- Transfer -->
@@ -235,11 +238,12 @@
     <string name="transfer_lookup_account">Look up account</string>
     <string name="transfer_clear_recipient">Clear recipient</string>
     <string name="transfer_pick_contact">Pick contact</string>
-    <string name="transfer_scan_qr">Scan QR</string>
+    <string name="transfer_scan_qr">Scan to Pay</string>
     <string name="qr_pick_image">Pick image</string>
     <string name="transfer_qr_invalid">Invalid or unsupported QR code</string>
     <string name="qr_camera_permission_title">Camera permission required</string>
     <string name="qr_camera_permission_message">Camera access is needed to scan QR codes. Please grant the permission in Settings.</string>
+    <string name="camera_permission_profile_message">Camera access is needed to take a photo. Please grant the permission in Settings.</string>
     <string name="go_to_settings">Go to Settings</string>
     <string name="transfer_select_source_first">Select a source account first</string>
     <string name="transfer_enter_account_first">Enter an account number first</string>
@@ -326,6 +330,9 @@
     <string name="card_pay_qr">Scan to Pay</string>
     <string name="card_pay_nfc">Tap to Pay</string>
     <string name="mib_qr_nfc_not_supported">Skill issue on MIB side, Not supported</string>
+    <string name="card_manage">Manage Card</string>
+    <string name="card_set_as_default">Set as Default Card</string>
+    <string name="card_hide_from_dashboard">Hide from Dashboard</string>
     <string name="card_action_change_pin">Change PIN</string>
     <string name="card_action_freeze">Freeze</string>
     <string name="card_action_block">Block</string>

app/src/main/res/xml/bml_aid_list.xml

@@ -0,0 +1,24 @@
+<?xml version="1.0" encoding="utf-8"?>
+<host-apdu-service xmlns:android="http://schemas.android.com/apk/res/android"
+    android:description="@string/app_name"
+    android:requireDeviceUnlock="false">
+
+    <aid-group
+        android:description="@string/app_name"
+        android:category="payment">
+
+        <!-- PPSE: 2PAY.SYS.DDF01 -->
+        <aid-filter android:name="325041592E5359532E4444463031" />
+
+        <!-- Visa -->
+        <aid-filter android:name="A0000000031010" />
+
+        <!-- Mastercard -->
+        <aid-filter android:name="A0000000041010" />
+
+        <!-- Amex -->
+        <aid-filter android:name="A000000025" />
+
+    </aid-group>
+
+</host-apdu-service>

app/src/main/res/xml/shortcuts.xml

@@ -28,13 +28,13 @@
     </shortcut>
 
     <shortcut
-        android:shortcutId="pay_with_card"
+        android:shortcutId="tap_to_pay"
         android:enabled="true"
         android:icon="@drawable/ic_shortcut_pay_card"
-        android:shortcutShortLabel="@string/nav_pay_with_card"
-        android:shortcutLongLabel="@string/nav_pay_with_card">
+        android:shortcutShortLabel="@string/card_pay_nfc"
+        android:shortcutLongLabel="@string/card_pay_nfc">
         <intent
-            android:action="sh.sar.basedbank.OPEN_PAY_WITH_CARD"
+            android:action="sh.sar.basedbank.TAP_TO_PAY"
             android:targetPackage="sh.sar.basedbank"
             android:targetClass="sh.sar.basedbank.MainActivity" />
         <categories android:name="android.shortcut.conversation" />