contacts: paginate MIB contact loading + cache progressively

The old refresh path called MibContactsClient.fetchContacts() per
profile, which greedily walked every page and stuffed the union into
the contacts cache in one shot. A user with several hundred or several
thousand MIB beneficiaries paid for N round-trips before the screen
could render, and the cache write encrypted the whole blob each time.

Introduces a paginator that streams contacts on demand:

  * MibContactsClient.fetchContactsPage(session, start, count) — single
    page; fetchContacts() now layers on top for callers that want all
    pages.

  * MibContactsPaginator — walks the user's MIB profiles serially under
    the existing mibMutex, returning one page per nextPage() call.
    Categories are accumulated across calls.

  * HomeActivity.refreshContacts now requests just the first page
    (default 30 contacts) per login. Subsequent pages arrive via
    HomeActivity.loadMoreMibContacts(), which ContactsFragment fires
    from a scroll listener when the user is within 5 rows of the end
    of any tab. NEXT_PAGE_SIZE is 100 — matches the API's natural
    page size.

  * ContactsCache.appendContacts merges a new page into the cached
    list (dedupe by benefNo) instead of overwriting. The first page
    of a refresh still uses save() so deletions take effect.

  * HomeViewModel exposes mibContactsLoading / mibContactsHasMore
    so the fragment can show a loading footer (item_loading_footer)
    on each contact tab while a page is in flight.

  * ContactsAdapter grows a showLoadingFooter flag and a second view
    type for the footer row.

Search remains client-side over the loaded set — results may be
partial until the user keeps scrolling. The MIB API supports
server-side search via the `search` parameter but wiring it in is a
separate change.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

app/build.gradle.kts

@@ -27,6 +27,10 @@ android {
     }
 
     buildTypes {
+        debug {
+            applicationIdSuffix = ".debug"
+            versionNameSuffix = "-debug"
+        }
         release {
             signingConfig = signingConfigs.getByName("release")
             isMinifyEnabled = false

app/src/debug/res/drawable/ic_launcher_background.xml

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="108dp"
+    android:height="108dp"
+    android:viewportWidth="108"
+    android:viewportHeight="108">
+    <path
+        android:fillColor="#CC0000"
+        android:pathData="M0,0h108v108h-108z" />
+</vector>

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

@@ -0,0 +1,4 @@
+<?xml version="1.0" encoding="utf-8"?>
+<resources>
+    <string name="app_name">Thijooree Debug</string>
+</resources>

app/src/main/AndroidManifest.xml

@@ -10,7 +10,7 @@
 
     <application
         android:name=".BasedBankApp"
-        android:allowBackup="true"
+        android:allowBackup="false"
         android:dataExtractionRules="@xml/data_extraction_rules"
         android:fullBackupContent="@xml/backup_rules"
         android:icon="@mipmap/ic_launcher"
@@ -30,6 +30,9 @@
                 <action android:name="android.intent.action.MAIN" />
                 <category android:name="android.intent.category.LAUNCHER" />
             </intent-filter>
+            <meta-data
+                android:name="android.app.shortcuts"
+                android:resource="@xml/shortcuts" />
         </activity>
 
         <activity

app/src/main/assets/cards/mib/visa_bingaa_mvr.png

@@ -0,0 +1 @@
+visa_bingaa.png

app/src/main/assets/cards/mib/visa_bingaa_usd.png

@@ -0,0 +1 @@
+visa_bingaa.png

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

@@ -16,6 +16,13 @@ import sh.sar.basedbank.util.CredentialStore
 
 class BasedBankApp : Application() {
 
+    /**
+     * Set to true only after the user passes LockActivity or completes fresh login.
+     * Resets to false on every process restart so direct ADB/root activity launches
+     * cannot reach HomeActivity without re-authenticating.
+     */
+    var isUnlocked = false
+
     // Held in memory after successful login; cleared on logout
     var accounts: List<BankAccount> = emptyList()
     var fullName: String = ""

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

@@ -21,6 +21,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.databinding.ActivityLockBinding
 import sh.sar.basedbank.ui.home.HomeActivity
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.BasedBankApp
 import javax.crypto.SecretKeyFactory
 import javax.crypto.spec.PBEKeySpec
 
@@ -259,10 +260,23 @@ class LockActivity : AppCompatActivity() {
     }
 
     private fun proceed() {
+        (application as BasedBankApp).isUnlocked = true
         if (intent.getBooleanExtra(EXTRA_RESUME, false)) {
             finish()
         } else {
-            startActivity(Intent(this, HomeActivity::class.java))
+            val store = CredentialStore(this)
+            val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+            if (!hasCredentials) {
+                startActivity(Intent(this, sh.sar.basedbank.ui.login.LoginActivity::class.java))
+                finish()
+                return
+            }
+            val navDest = intent.getIntExtra("nav_destination", -1)
+            val autoScan = intent.getBooleanExtra("auto_scan", false)
+            startActivity(Intent(this, HomeActivity::class.java).apply {
+                if (navDest != -1) putExtra("nav_destination", navDest)
+                if (autoScan) putExtra("auto_scan", true)
+            })
             finish()
         }
     }

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

@@ -7,24 +7,43 @@ import sh.sar.basedbank.ui.home.HomeActivity
 import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.ui.onboarding.OnboardingActivity
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
 
 class MainActivity : AppCompatActivity() {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+
         val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
         val store = CredentialStore(this)
         val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
 
+        val navDestination = when (intent?.action) {
+            "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
+            else -> -1
+        }
+        val autoScan = intent?.action == "sh.sar.basedbank.OPEN_SCAN_QR"
+
         val target = when {
             !onboardingDone -> OnboardingActivity::class.java
             !hasCredentials -> LoginActivity::class.java
             securitySet -> LockActivity::class.java  // proceed() → HomeActivity
             else -> HomeActivity::class.java
         }
-        startActivity(Intent(this, target))
+        // No lock screen configured — mark as unlocked so HomeActivity's guard passes
+        if (target == HomeActivity::class.java) {
+            (application as BasedBankApp).isUnlocked = true
+        }
+
+        startActivity(Intent(this, target).apply {
+            if (navDestination != -1) putExtra("nav_destination", navDestination)
+            if (autoScan) putExtra("auto_scan", true)
+        })
         finish()
     }
 }

app/src/main/java/sh/sar/basedbank/api/mib/MibContactsClient.kt

@@ -61,38 +61,51 @@ class MibContactsClient {
         }
     }
 
+    /** Fetch a single page of contacts. Returns the list and the server-reported total count.
+     *  [start] is 1-based; [count] is the desired page size. */
+    fun fetchContactsPage(
+        session: MibSession,
+        start: Int,
+        count: Int
+    ): Pair<List<MibBeneficiary>, Int> {
+        val end = start + count - 1
+        // Server uses 100-row pages internally for its own pagination; we mirror that
+        // by computing a page index that aligns with our start offset.
+        val page = ((start - 1) / 100) + 1
+        val body = FormBody.Builder()
+            .add("page", page.toString())
+            .add("search", "")
+            .add("searchCategoryId", "0")
+            .add("benefType", "A")
+            .add("sortBenef", "name")
+            .add("sortDir", "asc")
+            .add("start", start.toString())
+            .add("end", end.toString())
+            .add("includeCount", "1")
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxBeneficiary/main")
+            .post(body)
+            .withSessionHeaders(session)
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            if (!response.isSuccessful) return Pair(emptyList(), 0)
+            parseContacts(response.body?.string() ?: return Pair(emptyList(), 0))
+        }
+    }
+
+    /** Convenience: fetch all pages and return the union. Used by callers that don't paginate. */
     fun fetchContacts(session: MibSession): List<MibBeneficiary> {
         val all = mutableListOf<MibBeneficiary>()
-        var page = 1
+        var start = 1
         val pageSize = 100
         while (true) {
-            val start = (page - 1) * pageSize + 1
+            val (contacts, totalCount) = fetchContactsPage(session, start, pageSize)
-            val end = page * pageSize
-            val body = FormBody.Builder()
-                .add("page", page.toString())
-                .add("search", "")
-                .add("searchCategoryId", "0")
-                .add("benefType", "A")
-                .add("sortBenef", "name")
-                .add("sortDir", "asc")
-                .add("start", start.toString())
-                .add("end", end.toString())
-                .add("includeCount", "1")
-                .build()
-
-            val request = Request.Builder()
-                .url("$BASE_WV_URL/ajaxBeneficiary/main")
-                .post(body)
-                .withSessionHeaders(session)
-                .build()
-
-            val (contacts, totalCount) = client.newCall(request).execute().use { response ->
-                if (!response.isSuccessful) return all
-                parseContacts(response.body?.string() ?: return all)
-            }
             all.addAll(contacts)
             if (all.size >= totalCount || contacts.isEmpty()) break
-            page++
+            start += pageSize
         }
         return all
     }

app/src/main/java/sh/sar/basedbank/api/mib/MibContactsPaginator.kt

@@ -0,0 +1,80 @@
+package sh.sar.basedbank.api.mib
+
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.sync.withLock
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+
+/**
+ * Streams MIB contacts one page at a time, walking the user's MIB profiles in order.
+ *
+ * For multi-profile users we stay on the current profile until its server-reported
+ * `total_count` is reached, then advance to the next profile. Each profile switch is
+ * protected by the global `mibMutex` to keep the session state coherent.
+ *
+ * Categories are fetched lazily on the first page of each profile and accumulated
+ * across calls — the latest snapshot is exposed via [allCategories].
+ */
+class MibContactsPaginator(
+    private val app: BasedBankApp,
+    val loginId: String,
+    private val session: MibSession,
+    private val profiles: List<MibProfile>,
+    private val client: MibContactsClient = MibContactsClient()
+) {
+    private var profileIndex = 0
+    private var nextStart = 1
+    private var totalForCurrentProfile = -1
+    private var categoriesFetchedForProfile = false
+
+    private val accumulatedCategories = LinkedHashMap<String, BankContactCategory>()
+    val allCategories: List<BankContactCategory>
+        get() = accumulatedCategories.values.toList()
+
+    fun hasMore(): Boolean = profileIndex < profiles.size
+
+    /** Fetch one page of up to [count] contacts. Returns the contacts contributed by
+     *  this call (may be empty if a profile errored or returned no rows). Advances
+     *  the internal cursor; subsequent calls continue from where this left off. */
+    suspend fun nextPage(count: Int): List<BankContact> = withContext(Dispatchers.IO) {
+        if (!hasMore()) return@withContext emptyList()
+
+        val profile = profiles[profileIndex]
+        val flow = app.mibFlowFor(loginId)
+
+        val contacts = app.mibMutex.withLock {
+            try {
+                flow.switchProfile(session, profile)
+                if (!categoriesFetchedForProfile) {
+                    for (cat in client.fetchCategories(session)) {
+                        accumulatedCategories.putIfAbsent(
+                            cat.id,
+                            BankContactCategory(cat.id, cat.categoryName, cat.numBenef)
+                        )
+                    }
+                    categoriesFetchedForProfile = true
+                }
+                val (page, total) = client.fetchContactsPage(session, nextStart, count)
+                if (total > 0) totalForCurrentProfile = total
+                nextStart += page.size.coerceAtLeast(count)
+                page.map { it.copy(profileId = profile.profileId) }
+            } catch (_: Exception) {
+                // Bail on this profile and advance — keeps the paginator robust.
+                emptyList()
+            }
+        }
+
+        val exhausted =
+            (totalForCurrentProfile > 0 && nextStart - 1 >= totalForCurrentProfile) ||
+            contacts.isEmpty()
+        if (exhausted) {
+            profileIndex++
+            nextStart = 1
+            totalForCurrentProfile = -1
+            categoriesFetchedForProfile = false
+        }
+        contacts
+    }
+}

app/src/main/java/sh/sar/basedbank/api/mib/MibLoginFlow.kt

@@ -9,6 +9,7 @@ import org.json.JSONObject
 import java.security.MessageDigest
 import java.util.concurrent.TimeUnit
 import java.util.concurrent.atomic.AtomicBoolean
+import kotlin.math.abs
 import kotlin.random.Random
 
 class SessionExpiredException : Exception("MIB session expired")
@@ -168,7 +169,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
                                 accountTypeName  = a.optString("accountTypeName"),
                                 availableBalance = a.optString("availableBalance"),
                                 currentBalance   = a.optString("currentBalance"),
-                                blockedAmount    = a.optString("blockedAmount"),
+                                blockedAmount    = absBlockedAmount(a.optString("blockedAmount")),
                                 mvrBalance       = a.optString("mvrBalance"),
                                 statusDesc       = a.optString("statusDesc"),
                                 profileImageHash = profile.customerImage,
@@ -188,6 +189,13 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
 
     // ─── Helpers ─────────────────────────────────────────────────────────────
 
+    /** MIB returns blockedAmount as a signed decimal where negative = funds held.
+     *  Normalize to a positive magnitude so downstream code can treat it uniformly. */
+    private fun absBlockedAmount(raw: String): String {
+        val v = raw.toDoubleOrNull() ?: return raw
+        return "%.2f".format(abs(v))
+    }
+
     private fun initialKeyExchange(
         appId: String, encKey: String, sfunc: String, key2: String? = null
     ): Pair<MibSession, String> {
@@ -325,7 +333,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
                         accountTypeName = a.optString("accountTypeName"),
                         availableBalance = a.optString("availableBalance"),
                         currentBalance = a.optString("currentBalance"),
-                        blockedAmount = a.optString("blockedAmount"),
+                        blockedAmount = absBlockedAmount(a.optString("blockedAmount")),
                         mvrBalance = a.optString("mvrBalance"),
                         statusDesc = a.optString("statusDesc"),
                         profileImageHash = profile.customerImage,

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

@@ -125,6 +125,14 @@ class AccountsAdapter(
             binding.tvAccountNumber.text = display.number
             binding.tvAccountType.text   = display.typeLabel
             binding.tvBalance.text       = if (hideAmounts) maskAmount(display.balance) else display.balance
+            val blocked = display.blockedBalance
+            if (blocked != null) {
+                val shown = if (hideAmounts) maskAmount(blocked) else blocked
+                binding.tvBlocked.text       = binding.root.context.getString(R.string.account_blocked_label, shown)
+                binding.tvBlocked.visibility = View.VISIBLE
+            } else {
+                binding.tvBlocked.visibility = View.GONE
+            }
             binding.btnTransfer.setOnClickListener { onTransferClick?.invoke(account) }
             binding.root.setOnClickListener { onAccountClick(account) }
             binding.root.setOnLongClickListener {

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

@@ -1,139 +1,3 @@
 package sh.sar.basedbank.ui.home
 
-import android.content.Context
+// Merged into CardsFragment
-import android.os.Bundle
-import android.view.LayoutInflater
-import android.view.View
-import android.view.ViewGroup
-import android.widget.ImageView
-import android.widget.TextView
-import android.widget.Toast
-import androidx.core.view.ViewCompat
-import androidx.core.view.WindowInsetsCompat
-import androidx.fragment.app.Fragment
-import androidx.fragment.app.activityViewModels
-import androidx.recyclerview.widget.LinearLayoutManager
-import androidx.recyclerview.widget.RecyclerView
-import sh.sar.basedbank.R
-import sh.sar.basedbank.databinding.FragmentCardSettingsBinding
-import sh.sar.basedbank.util.bmlapi.BmlCardParser
-
-class CardSettingsFragment : Fragment() {
-
-    private var _binding: FragmentCardSettingsBinding? = null
-    private val binding get() = _binding!!
-    private val viewModel: HomeViewModel by activityViewModels()
-
-    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
-        _binding = FragmentCardSettingsBinding.inflate(inflater, container, false)
-        return binding.root
-    }
-
-    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        val adapter = CardSettingsAdapter(emptyList(), requireContext())
-        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
-        binding.recyclerView.adapter = adapter
-
-        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
-        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
-            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
-            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
-            val extraBottom = if (isBottomNav) 0 else navBar.bottom
-            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
-            insets
-        }
-
-        binding.swipeRefresh.setOnRefreshListener {
-            (activity as? HomeActivity)?.triggerRefresh()
-        }
-
-        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) }
-            val all = mibItems + bmlItems
-            adapter.update(all)
-            binding.loadingView.visibility = View.GONE
-            binding.swipeRefresh.isRefreshing = false
-            binding.emptyView.visibility = if (all.isEmpty()) View.VISIBLE else View.GONE
-            binding.recyclerView.visibility = if (all.isEmpty()) View.GONE else View.VISIBLE
-        }
-        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
-        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
-
-        if (viewModel.mibCards.value == null) {
-            binding.loadingView.visibility = View.VISIBLE
-            (activity as? HomeActivity)?.triggerRefreshCards()
-        }
-    }
-
-    override fun onResume() {
-        super.onResume()
-        requireActivity().title = getString(R.string.nav_card_settings)
-    }
-
-    override fun onDestroyView() {
-        super.onDestroyView()
-        _binding = null
-    }
-
-    private inner class CardSettingsAdapter(
-        private var cards: List<CardItem>,
-        private val context: Context
-    ) : RecyclerView.Adapter<CardSettingsAdapter.VH>() {
-
-        fun update(newCards: List<CardItem>) {
-            cards = newCards
-            notifyDataSetChanged()
-        }
-
-        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
-            VH(LayoutInflater.from(context).inflate(R.layout.item_card_settings_entry, parent, false))
-
-        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
-        override fun getItemCount() = cards.size
-
-        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
-            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
-            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
-            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
-            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
-            private val tvCardStatus: TextView = view.findViewById(R.id.tvCardStatus)
-            private val btnChangePin: View = view.findViewById(R.id.btnChangePin)
-            private val btnFreeze: View = view.findViewById(R.id.btnFreeze)
-            private val btnBlock: View = view.findViewById(R.id.btnBlock)
-
-            fun bind(item: CardItem) {
-                when (item) {
-                    is CardItem.Mib -> {
-                        tvCardOwner.text = item.card.cardHolderName
-                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.card.maskedCardNumber)
-                        tvCardType.text = item.card.cardTypeDesc
-                        val assetPath = PayWithCardFragment.cardImageAsset(item.card)
-                        if (assetPath != null) PayWithCardFragment.loadCardImage(ivCardImage, assetPath)
-                        else ivCardImage.setImageDrawable(null)
-                        PayWithCardFragment.bindCardStatus(tvCardStatus, PayWithCardFragment.mibCardStatusLabel(item.card.cardStatus))
-                        itemView.alpha = 1f
-                    }
-                    is CardItem.Bml -> {
-                        tvCardOwner.text = item.account.accountBriefName
-                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.account.accountNumber)
-                        tvCardType.text = item.account.accountTypeName
-                        PayWithCardFragment.loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
-                        val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
-                        val bmlStatus = item.account.statusDesc.takeUnless { isActive }
-                        PayWithCardFragment.bindCardStatus(tvCardStatus, bmlStatus)
-                        itemView.alpha = if (isActive) 1f else 0.45f
-                    }
-                }
-                val wip = View.OnClickListener {
-                    Toast.makeText(context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-                }
-                btnChangePin.setOnClickListener(wip)
-                btnFreeze.setOnClickListener(wip)
-                btnBlock.setOnClickListener(wip)
-            }
-        }
-    }
-}

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

@@ -8,6 +8,7 @@ import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
 import android.view.LayoutInflater
+import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
@@ -20,7 +21,7 @@ class ContactsAdapter(
     private val onImageNeeded: (hash: String) -> Unit,
     private val onDeleteClick: (ContactDisplay) -> Unit,
     private val onTransferClick: (ContactDisplay) -> Unit
-) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private var allContacts: List<ContactDisplay> = emptyList()
     private var displayed: List<ContactDisplay> = emptyList()
@@ -28,6 +29,15 @@ class ContactsAdapter(
     private var activeCategoryId: String? = null
     private var searchQuery: String = ""
 
+    /** When true, a loading footer row is shown after the last contact. */
+    var showLoadingFooter: Boolean = false
+        set(value) {
+            if (field == value) return
+            field = value
+            if (value) notifyItemInserted(displayed.size)
+            else notifyItemRemoved(displayed.size)
+        }
+
     fun updateContacts(contacts: List<ContactDisplay>) {
         allContacts = contacts
         applyFilter()
@@ -58,24 +68,32 @@ class ContactsAdapter(
         notifyDataSetChanged()
     }
 
-    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
+    override fun getItemViewType(position: Int): Int =
+        if (position == displayed.size && showLoadingFooter) VIEW_TYPE_FOOTER else VIEW_TYPE_CONTACT
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        if (viewType == VIEW_TYPE_FOOTER) {
+            val footer = LayoutInflater.from(parent.context)
+                .inflate(R.layout.item_loading_footer, parent, false)
+            return FooterHolder(footer)
+        }
         val binding = ItemContactBinding.inflate(LayoutInflater.from(parent.context), parent, false)
         val holder = ViewHolder(binding)
 
         binding.btnTransferContact.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onTransferClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION && pos < displayed.size) onTransferClick(displayed[pos])
         }
         binding.btnEditContact.setOnClickListener {
             Toast.makeText(it.context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
         }
         binding.btnDeleteContact.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onDeleteClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION && pos < displayed.size) onDeleteClick(displayed[pos])
         }
         binding.root.setOnLongClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos == RecyclerView.NO_POSITION) return@setOnLongClickListener false
+            if (pos == RecyclerView.NO_POSITION || pos >= displayed.size) return@setOnLongClickListener false
             val account = displayed[pos].accountNumber
             val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
             clipboard.setPrimaryClip(ClipData.newPlainText("account", account))
@@ -86,15 +104,23 @@ class ContactsAdapter(
         return holder
     }
 
-    override fun onBindViewHolder(holder: ViewHolder, position: Int) {
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        if (holder is FooterHolder) return
         val contact = displayed[position]
         val cachedImage = contact.imageHash?.let { hash ->
             imageCache[hash] ?: run { onImageNeeded(hash); null }
         }
-        holder.bind(contact, cachedImage)
+        (holder as ViewHolder).bind(contact, cachedImage)
     }
 
-    override fun getItemCount() = displayed.size
+    override fun getItemCount() = displayed.size + if (showLoadingFooter) 1 else 0
+
+    private class FooterHolder(view: View) : RecyclerView.ViewHolder(view)
+
+    private companion object {
+        const val VIEW_TYPE_CONTACT = 0
+        const val VIEW_TYPE_FOOTER = 1
+    }
 
     inner class ViewHolder(val binding: ItemContactBinding) :
         RecyclerView.ViewHolder(binding.root) {

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

@@ -76,6 +76,9 @@ class ContactsFragment : Fragment() {
         fun updateImage(hash: String, bitmap: Bitmap) =
             contactAdapters.forEach { it.updateImage(hash, bitmap) }
 
+        fun setLoadingFooter(visible: Boolean) =
+            contactAdapters.forEach { it.showLoadingFooter = visible }
+
         inner class PageHolder(val rv: RecyclerView) : RecyclerView.ViewHolder(rv)
 
         override fun getItemCount() = pages.size
@@ -93,6 +96,7 @@ class ContactsFragment : Fragment() {
                 val p80 = (65 * density).toInt()
                 setPadding(0, p4, 0, p80)
                 adapter = contactAdapters[viewType]
+                addOnScrollListener(scrollListener)
             }
             return PageHolder(rv)
         }
@@ -100,6 +104,24 @@ class ContactsFragment : Fragment() {
         override fun onBindViewHolder(holder: PageHolder, position: Int) {}
     }
 
+    /** Triggers paginated MIB contact loading when the user scrolls within
+     *  LOAD_MORE_THRESHOLD rows of the end of any tab. */
+    private val scrollListener = object : RecyclerView.OnScrollListener() {
+        override fun onScrolled(rv: RecyclerView, dx: Int, dy: Int) {
+            if (dy <= 0) return
+            val lm = rv.layoutManager as? LinearLayoutManager ?: return
+            val total = lm.itemCount
+            if (total == 0) return
+            if (lm.findLastVisibleItemPosition() >= total - LOAD_MORE_THRESHOLD) {
+                (activity as? HomeActivity)?.loadMoreMibContacts()
+            }
+        }
+    }
+
+    private companion object {
+        const val LOAD_MORE_THRESHOLD = 5
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentContactsBinding.inflate(inflater, container, false)
         return binding.root
@@ -149,6 +171,15 @@ class ContactsFragment : Fragment() {
             binding.emptyView.visibility = if (contacts.isEmpty()) View.VISIBLE else View.GONE
             binding.loadingView.visibility = View.GONE
         }
+
+        // Show a loading footer on each contact list while more MIB pages are arriving.
+        val updateFooter: () -> Unit = {
+            val loading = viewModel.mibContactsLoading.value == true
+            val hasMore = viewModel.mibContactsHasMore.value == true
+            pagerAdapter.setLoadingFooter(loading && hasMore)
+        }
+        viewModel.mibContactsLoading.observe(viewLifecycleOwner) { updateFooter() }
+        viewModel.mibContactsHasMore.observe(viewLifecycleOwner) { updateFooter() }
     }
 
     private fun attachMediator(pages: List<TabPage>) {
@@ -165,6 +196,10 @@ class ContactsFragment : Fragment() {
         }
         val savedPosition = binding.viewPager.currentItem
         pagerAdapter = ContactsPagerAdapter(pages)
+        pagerAdapter.setLoadingFooter(
+            (viewModel.mibContactsLoading.value == true) &&
+            (viewModel.mibContactsHasMore.value == true)
+        )
         binding.viewPager.adapter = pagerAdapter
         attachMediator(pages)
         binding.viewPager.setCurrentItem(savedPosition.coerceIn(0, pages.size - 1), false)

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

@@ -57,14 +57,24 @@ class DashboardFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        viewModel.accounts.observe(viewLifecycleOwner) { updateBalances(it) }
+        viewModel.accounts.observe(viewLifecycleOwner) {
-        viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances() }
+            updateBalances(it)
-        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) { updatePendingFinances() }
+            updateAttentionRow()
+        }
+        viewModel.financing.observe(viewLifecycleOwner) {
+            updatePendingFinances()
+            updateAttentionRow()
+        }
+        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) {
+            updatePendingFinances()
+            updateAttentionRow()
+        }
         viewModel.bmlLimits.observe(viewLifecycleOwner) { updateForeignLimits(it) }
         viewModel.hideAmounts.observe(viewLifecycleOwner) {
             updateBalances(viewModel.accounts.value ?: emptyList())
             updatePendingFinances()
             updateForeignLimits(viewModel.bmlLimits.value ?: emptyList())
+            updateAttentionRow()
         }
 
         binding.swipeRefresh.setOnRefreshListener {
@@ -76,6 +86,10 @@ class DashboardFragment : Fragment() {
             (activity as? HomeActivity)?.navigateTo(R.id.nav_finances)
         }
 
+        binding.cardOverdue.setOnClickListener {
+            (activity as? HomeActivity)?.navigateTo(R.id.nav_finances)
+        }
+
         val cardAdapter = DashboardCardAdapter()
         binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
         binding.rvCards.adapter = cardAdapter
@@ -112,6 +126,12 @@ class DashboardFragment : Fragment() {
 
     private fun refreshQuickActions() {
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val isBottom = prefs.getBoolean("bottom_nav", false)
+        if (isBottom) {
+            binding.buttonBar.visibility = View.GONE
+            return
+        }
+        binding.buttonBar.visibility = View.VISIBLE
         val ids = NavCustomization.getQuickActions(prefs)
         listOf(binding.btnQuickAction1, binding.btnQuickAction2).forEachIndexed { i, btn ->
             val def = NavCustomization.ALL_SWAPPABLE.find { it.id == ids[i] }
@@ -244,6 +264,56 @@ class DashboardFragment : Fragment() {
         }
     }
 
+    private fun updateAttentionRow() {
+        val hide = viewModel.hideAmounts.value ?: false
+        val accounts = viewModel.accounts.value ?: emptyList()
+
+        // Blocked: sum across CASA-style accounts (exclude cards and loans) per currency.
+        val blockedByCurrency = accounts
+            .filter { it.profileType != "BML_CREDIT" && it.profileType != "BML_PREPAID" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN" }
+            .mapNotNull { acc ->
+                val v = acc.blockedAmount.replace(",", "").toDoubleOrNull() ?: 0.0
+                if (v > 0.0) acc.currencyName.uppercase() to v else null
+            }
+            .groupBy({ it.first }, { it.second })
+            .mapValues { (_, vs) -> vs.sum() }
+
+        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
+        } else {
+            binding.cardBlocked.visibility = View.GONE
+        }
+
+        // Overdue: MIB finance deals + BML loan details (assumed MVR — matches existing Pending Finances).
+        val mibOverdue = (viewModel.financing.value ?: emptyList()).sumOf { it.overdueAmount }
+        val bmlOverdue = (viewModel.bmlLoanDetails.value ?: emptyMap()).values.sumOf { it.overdueAmount }
+        val overdueTotal = mibOverdue + bmlOverdue
+        if (overdueTotal > 0.0) {
+            binding.tvOverdueTotal.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(overdueTotal)
+            binding.cardOverdue.visibility = View.VISIBLE
+        } else {
+            binding.cardOverdue.visibility = View.GONE
+        }
+
+        binding.rowAttention.visibility =
+            if (blockedTotal > 0.0 || overdueTotal > 0.0) View.VISIBLE else View.GONE
+    }
+
     private fun updatePendingFinances() {
         val hide = viewModel.hideAmounts.value ?: false
         val mibTotal = (viewModel.financing.value ?: emptyList()).sumOf { it.outstandingAmount }
@@ -287,17 +357,17 @@ class DashboardFragment : Fragment() {
                 when (item) {
                     is CardItem.Mib -> {
                         tvCardOwner.text = item.card.cardHolderName
-                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.card.maskedCardNumber)
+                        tvCardNumber.text = CardsFragment.formatMasked(item.card.maskedCardNumber)
-                        val assetPath = PayWithCardFragment.cardImageAsset(item.card)
+                        val assetPath = CardsFragment.cardImageAsset(item.card)
-                        if (assetPath != null) PayWithCardFragment.loadCardImage(ivCardImage, assetPath)
+                        if (assetPath != null) CardsFragment.loadCardImage(ivCardImage, assetPath)
                         else ivCardImage.setImageDrawable(null)
-                        PayWithCardFragment.bindCardStatus(tvCardStatus, PayWithCardFragment.mibCardStatusLabel(item.card.cardStatus))
+                        CardsFragment.bindCardStatus(tvCardStatus, CardsFragment.mibCardStatusLabel(item.card.cardStatus))
                     }
                     is CardItem.Bml -> {
                         tvCardOwner.text = item.account.accountBriefName
-                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.account.accountNumber)
+                        tvCardNumber.text = CardsFragment.formatMasked(item.account.accountNumber)
-                        PayWithCardFragment.loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
+                        CardsFragment.loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
-                        PayWithCardFragment.bindCardStatus(tvCardStatus, null)  // only Active BML cards reach dashboard
+                        CardsFragment.bindCardStatus(tvCardStatus, null)  // only Active BML cards reach dashboard
                     }
                 }
                 val isMib = item is CardItem.Mib

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

@@ -57,6 +57,7 @@ import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibContactsPaginator
 import sh.sar.basedbank.api.mib.MibCardsClient
 import sh.sar.basedbank.api.mib.MibFinancingClient
 import sh.sar.basedbank.api.mib.MibProfile
@@ -73,6 +74,10 @@ class HomeActivity : AppCompatActivity() {
 
     private lateinit var binding: ActivityHomeBinding
     private val viewModel: HomeViewModel by viewModels()
+
+    /** One paginator per MIB login. Reset on every refresh. */
+    private var mibContactPaginators: List<MibContactsPaginator> = emptyList()
+    private var mibLoadMoreInFlight = false
     private lateinit var toggle: ActionBarDrawerToggle
     private var suppressBottomNavCallback = false
 
@@ -118,6 +123,18 @@ class HomeActivity : AppCompatActivity() {
             isAppearanceLightStatusBars = isLight
             isAppearanceLightNavigationBars = isLight
         }
+        // Auth guard: HomeActivity must only be reachable after LockActivity or fresh login.
+        // Using loadSecurityHash() (EncryptedSharedPreferences) instead of plain prefs so
+        // a rooted device cannot bypass this by editing security_method in plain prefs.
+        val app = application as BasedBankApp
+        if (CredentialStore(this).loadSecurityHash() != null && !app.isUnlocked) {
+            startActivity(
+                android.content.Intent(this, sh.sar.basedbank.LockActivity::class.java)
+            )
+            finish()
+            return
+        }
+
         setSupportActionBar(binding.toolbar)
 
         toggle = ActionBarDrawerToggle(
@@ -147,8 +164,7 @@ class HomeActivity : AppCompatActivity() {
                 R.id.nav_finances         -> FinancingFragment()
                 R.id.nav_otp              -> OtpFragment()
                 R.id.nav_settings         -> SettingsFragment()
-                R.id.nav_pay_with_card    -> PayWithCardFragment()
+                R.id.nav_pay_with_card    -> CardsFragment()
-                R.id.nav_card_settings    -> CardSettingsFragment()
                 else -> null
             }
             if (frag != null) show(frag)
@@ -165,7 +181,6 @@ class HomeActivity : AppCompatActivity() {
         }
 
         // Load data
-        val app = application as BasedBankApp
         if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
             // Came from fresh manual login — accounts ready, rest fetched in background
             val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
@@ -218,10 +233,19 @@ class HomeActivity : AppCompatActivity() {
 
         viewModel.hideAmounts.value = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("hide_amounts", false)
 
-        // Show dashboard on first create
+        // Show dashboard on first create, or navigate to shortcut destination
         if (savedInstanceState == null) {
-            show(DashboardFragment())
+            val navDest = intent.getIntExtra("nav_destination", -1)
-            binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+            val autoScan = intent.getBooleanExtra("auto_scan", false)
+            if (navDest != -1) {
+                val fragment = if (autoScan && navDest == R.id.nav_transfer)
+                    TransferFragment.newInstanceWithAutoScan()
+                else null
+                navigateTo(navDest, fragment)
+            } else {
+                show(DashboardFragment())
+                binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+            }
         }
 
         onBackPressedDispatcher.addCallback(this, object : OnBackPressedCallback(true) {
@@ -359,8 +383,7 @@ fun applyNavLabelVisibility() {
             R.id.nav_finances         -> FinancingFragment()
             R.id.nav_otp              -> OtpFragment()
             R.id.nav_settings         -> SettingsFragment()
-            R.id.nav_pay_with_card    -> PayWithCardFragment()
+            R.id.nav_pay_with_card    -> CardsFragment()
-            R.id.nav_card_settings    -> CardSettingsFragment()
             else -> { Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show(); return }
         }
         show(dest)
@@ -905,44 +928,78 @@ fun applyNavLabelVisibility() {
         return result
     }
 
+    /** Spin up (or replace) the paginator for this MIB login and fetch the first page.
+     *  Subsequent pages arrive via [loadMoreMibContacts] in response to user scrolling. */
     private fun refreshContacts(loginId: String, session: MibSession, profiles: List<MibProfile>) {
         if (profiles.isEmpty()) return
-        val flow = (application as BasedBankApp).mibFlowFor(loginId)
+        val paginator = MibContactsPaginator(
-        val contactsClient = MibContactsClient()
+            app = application as BasedBankApp,
+            loginId = loginId,
+            session = session,
+            profiles = profiles
+        )
+        // Replace any existing paginator for this login.
+        mibContactPaginators = mibContactPaginators.filter { it.loginId != loginId } + paginator
+        viewModel.mibContactsHasMore.value = mibContactPaginators.any { it.hasMore() }
+
         lifecycleScope.launch {
-            try {
+            viewModel.mibContactsLoading.postValue(true)
-                val (allContacts, allCategories) = withContext(Dispatchers.IO) {
+            val firstPage = try {
-                    val seenContacts = mutableSetOf<String>()
+                paginator.nextPage(MIB_FIRST_PAGE_SIZE)
-                    val seenCategories = mutableSetOf<String>()
+            } catch (_: Exception) {
-                    val contacts = mutableListOf<BankContact>()
+                null
-                    val categories = mutableListOf<BankContactCategory>()
+            }
-                    for (profile in profiles) {
+            // Treat a successful refresh as authoritative: replace the cached MIB list
-                        try {
+            // with the first page, even if it shrinks (so deletions take effect).
-                            flow.switchProfile(session, profile)
+            if (firstPage != null) {
-                            for (cat in contactsClient.fetchCategories(session)) {
+                ContactsCache.save(this@HomeActivity, firstPage, paginator.allCategories)
-                                if (seenCategories.add(cat.id)) categories.add(cat)
+                publishContacts(paginator.allCategories)
-                            }
+            }
-                            for (contact in contactsClient.fetchContacts(session)) {
+            viewModel.mibContactsLoading.postValue(false)
-                                if (seenContacts.add(contact.benefNo))
+            viewModel.mibContactsHasMore.postValue(mibContactPaginators.any { it.hasMore() })
-                                    contacts.add(contact.copy(profileId = profile.profileId))
-                            }
-                        } catch (_: Exception) { /* profile has no contacts access */ }
-                    }
-                    Pair(contacts, categories)
-                }
-                if (allContacts.isNotEmpty()) {
-                    ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, store.getBmlLoginIds())
-                    val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
-                    val fahipayCategories = ContactsCache.loadFahipayCategories(this@HomeActivity)
-                    viewModel.contacts.postValue(mergeContacts(mergeContacts(allContacts, bmlContacts), fahipayContacts))
-                    viewModel.contactCategories.postValue(allCategories + fahipayCategories)
-                }
-            } catch (_: Exception) { /* keep cached data */ }
         }
     }
 
+    /** Called by ContactsFragment when the user scrolls near the end of the loaded list. */
+    fun loadMoreMibContacts() {
+        if (mibLoadMoreInFlight) return
+        val paginator = mibContactPaginators.firstOrNull { it.hasMore() } ?: return
+        mibLoadMoreInFlight = true
+        lifecycleScope.launch {
+            viewModel.mibContactsLoading.postValue(true)
+            val page = try {
+                paginator.nextPage(MIB_NEXT_PAGE_SIZE)
+            } catch (_: Exception) {
+                emptyList()
+            }
+            if (page.isNotEmpty()) {
+                ContactsCache.appendContacts(this@HomeActivity, page, paginator.allCategories)
+                publishContacts(paginator.allCategories)
+            }
+            mibLoadMoreInFlight = false
+            viewModel.mibContactsLoading.postValue(false)
+            viewModel.mibContactsHasMore.postValue(mibContactPaginators.any { it.hasMore() })
+        }
+    }
+
+    /** Merge the current MIB cache with BML and Fahipay caches and post to the view model. */
+    private fun publishContacts(mibCategories: List<BankContactCategory>) {
+        val store = sh.sar.basedbank.util.CredentialStore(this)
+        val mibContacts = ContactsCache.loadContacts(this)
+        val bmlContacts = ContactsCache.loadBml(this, store.getBmlLoginIds())
+        val fahipayContacts = ContactsCache.loadFahipay(this)
+        val fahipayCategories = ContactsCache.loadFahipayCategories(this)
+        viewModel.contacts.postValue(
+            mergeContacts(mergeContacts(mibContacts, bmlContacts), fahipayContacts)
+        )
+        viewModel.contactCategories.postValue(mibCategories + fahipayCategories)
+    }
+
+    companion object {
+        private const val MIB_FIRST_PAGE_SIZE = 30
+        private const val MIB_NEXT_PAGE_SIZE = 100
+    }
+
     fun refreshBalances(src: BankAccount) {
         val app = application as BasedBankApp
         lifecycleScope.launch {

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

@@ -23,6 +23,11 @@ class HomeViewModel : ViewModel() {
     val contacts = MutableLiveData<List<BankContact>>(emptyList())
     val contactCategories = MutableLiveData<List<BankContactCategory>>(emptyList())
 
+    /** True while MIB contacts are paging in (initial load or scroll-triggered next page). */
+    val mibContactsLoading = MutableLiveData<Boolean>(false)
+    /** True while any MIB paginator still has pages to deliver. */
+    val mibContactsHasMore = MutableLiveData<Boolean>(false)
+
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
 

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

@@ -25,7 +25,6 @@ object NavCustomization {
         NavItemDef(R.id.nav_transfer_history, "nav_transfer_history", R.drawable.ic_nav_transfer_history, R.string.nav_transfer_history, R.string.nav_desc_transfer_history),
         NavItemDef(R.id.nav_finances,         "nav_finances",         R.drawable.ic_nav_finances,         R.string.nav_finances,         R.string.nav_desc_finances),
         NavItemDef(R.id.nav_pay_with_card,    "nav_pay_with_card",    R.drawable.ic_nav_card,             R.string.nav_pay_with_card,    R.string.nav_desc_pay_with_card),
-        NavItemDef(R.id.nav_card_settings,    "nav_card_settings",    R.drawable.ic_nav_card,             R.string.nav_card_settings,    R.string.nav_desc_card_settings),
         NavItemDef(R.id.nav_otp,              "nav_otp",              R.drawable.ic_nav_otp,              R.string.nav_otp,              R.string.nav_desc_otp),
         NavItemDef(R.id.nav_settings,         "nav_settings",         R.drawable.ic_nav_settings,         R.string.nav_settings,         R.string.nav_desc_settings),
     )

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

@@ -3,13 +3,14 @@ package sh.sar.basedbank.ui.home
 import android.app.Activity
 import android.content.Context
 import android.content.Intent
-import android.graphics.BitmapFactory
+import android.graphics.Color
 import android.graphics.drawable.GradientDrawable
 import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ImageView
+import android.widget.LinearLayout
 import android.widget.TextView
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
@@ -18,20 +19,25 @@ import androidx.core.view.WindowInsetsCompat
 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 com.google.android.material.color.MaterialColors
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibCard
-import sh.sar.basedbank.databinding.FragmentPayWithCardBinding
+import sh.sar.basedbank.databinding.FragmentCardsBinding
 import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import kotlin.math.abs
 
-class PayWithCardFragment : Fragment() {
+class CardsFragment : Fragment() {
 
-    private var _binding: FragmentPayWithCardBinding? = null
+    private var _binding: FragmentCardsBinding? = null
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
 
+    private var cards: List<CardItem> = emptyList()
+    private var currentCardPosition: Int = 0
+    private var cardWidth: Int = 0
     private var pendingQrAccountNumber: String? = null
 
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
@@ -49,39 +55,67 @@ class PayWithCardFragment : Fragment() {
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
-        _binding = FragmentPayWithCardBinding.inflate(inflater, container, false)
+        _binding = FragmentCardsBinding.inflate(inflater, container, false)
         return binding.root
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        val adapter = CardWalletAdapter(emptyList(), requireContext())
+        val screenW = resources.displayMetrics.widthPixels
-        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
+        val peekPx = screenW / 8
-        binding.recyclerView.adapter = adapter
+        cardWidth = screenW - 2 * peekPx
 
-        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        val stackAdapter = CardStackAdapter(cardWidth)
-        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+        binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
-            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+        binding.rvCards.adapter = stackAdapter
+        binding.rvCards.setPadding(peekPx, 0, peekPx, 0)
+        binding.rvCards.clipToPadding = false
+
+        val snapHelper = PagerSnapHelper()
+        snapHelper.attachToRecyclerView(binding.rvCards)
+
+        binding.rvCards.addOnScrollListener(object : RecyclerView.OnScrollListener() {
+            override fun onScrolled(recyclerView: RecyclerView, dx: Int, dy: Int) {
+                applyCardScales()
+            }
+            override fun onScrollStateChanged(recyclerView: RecyclerView, newState: Int) {
+                if (newState == RecyclerView.SCROLL_STATE_IDLE) {
+                    val lm = recyclerView.layoutManager ?: return
+                    val snapView = snapHelper.findSnapView(lm) ?: return
+                    val position = lm.getPosition(snapView)
+                    if (position >= 0) {
+                        currentCardPosition = position
+                        buildDots(cards.size, position)
+                        updateCardInfo(position)
+                    }
+                    applyCardScales()
+                }
+            }
+        })
+
+ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .getBoolean("bottom_nav", false)
             val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
             val extraBottom = if (isBottomNav) 0 else navBar.bottom
-            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            v.setPadding(0, 0, 0, (16 * resources.displayMetrics.density).toInt() + extraBottom)
             insets
         }
 
-        binding.swipeRefresh.setOnRefreshListener {
-            (activity as? HomeActivity)?.triggerRefresh()
-        }
-
         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") && it.statusDesc.equals("Active", ignoreCase = true) }
+                .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
                 .map { CardItem.Bml(it) }
-            val all = mibItems + bmlItems
+            cards = mibItems + bmlItems
-            adapter.update(all)
+            stackAdapter.update(cards)
             binding.loadingView.visibility = View.GONE
-            binding.swipeRefresh.isRefreshing = false
+            val empty = cards.isEmpty()
-            binding.emptyView.visibility = if (all.isEmpty()) View.VISIBLE else View.GONE
+            binding.emptyView.visibility = if (empty) View.VISIBLE else View.GONE
-            binding.recyclerView.visibility = if (all.isEmpty()) View.GONE else View.VISIBLE
+            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() }
@@ -93,6 +127,84 @@ class PayWithCardFragment : Fragment() {
             binding.loadingView.visibility = View.VISIBLE
         }
         (activity as? HomeActivity)?.triggerRefreshCards()
+
+        binding.btnScanToPay.setOnClickListener {
+            val item = cards.getOrNull(currentCardPosition) ?: return@setOnClickListener
+            if (item is CardItem.Mib) {
+                Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+            } else {
+                pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
+                qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+            }
+        }
+
+        val nfcAvailable = android.nfc.NfcAdapter.getDefaultAdapter(requireContext()) != null
+        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()
+        }
+
+        val wip = View.OnClickListener {
+            Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+        }
+        binding.btnChangePin.setOnClickListener(wip)
+        binding.btnFreeze.setOnClickListener(wip)
+        binding.btnBlock.setOnClickListener(wip)
+    }
+
+    private fun applyCardScales() {
+        val rv = binding.rvCards
+        val rvCenter = rv.paddingStart + (rv.width - rv.paddingStart - rv.paddingEnd) / 2f
+        val lm = rv.layoutManager as? LinearLayoutManager ?: return
+        val first = lm.findFirstVisibleItemPosition()
+        val last = lm.findLastVisibleItemPosition()
+        if (first < 0) return
+        for (i in first..last) {
+            val child = lm.findViewByPosition(i) ?: continue
+            val childCenter = (child.left + child.right) / 2f
+            val fraction = (abs(childCenter - rvCenter) / cardWidth.toFloat()).coerceIn(0f, 1f)
+            val scale = 1f - 0.18f * fraction
+            child.scaleX = scale
+            child.scaleY = scale
+            child.alpha = 1f - 0.4f * fraction
+        }
+    }
+
+    private fun buildDots(count: Int, selected: Int) {
+        binding.pageIndicator.removeAllViews()
+        if (count <= 1) {
+            binding.pageIndicator.visibility = View.GONE
+            return
+        }
+        binding.pageIndicator.visibility = View.VISIBLE
+        val dp = resources.displayMetrics.density
+        val activeColor = MaterialColors.getColor(
+            requireContext(), com.google.android.material.R.attr.colorPrimary, Color.GRAY)
+        val inactiveColor = MaterialColors.getColor(
+            requireContext(), com.google.android.material.R.attr.colorOutlineVariant, Color.LTGRAY)
+        val size = (8 * dp).toInt()
+        val margin = (4 * dp).toInt()
+        repeat(count) { i ->
+            val dot = View(requireContext())
+            dot.layoutParams = LinearLayout.LayoutParams(size, size).apply {
+                setMargins(margin, 0, margin, 0)
+            }
+            dot.background = GradientDrawable().apply {
+                shape = GradientDrawable.OVAL
+                setColor(if (i == selected) activeColor else inactiveColor)
+            }
+            binding.pageIndicator.addView(dot)
+        }
+    }
+
+    private fun updateCardInfo(position: Int) {
+        val item = cards.getOrNull(position) ?: return
+        binding.tvSelectedCardType.text = when (item) {
+            is CardItem.Mib -> item.card.cardTypeDesc
+            is CardItem.Bml -> item.account.accountTypeName
+        }
     }
 
     override fun onResume() {
@@ -105,83 +217,78 @@ class PayWithCardFragment : Fragment() {
         _binding = null
     }
 
-    private inner class CardWalletAdapter(
+    private inner class CardStackAdapter(private val cardWidth: Int) : RecyclerView.Adapter<CardStackAdapter.VH>() {
-        private var cards: List<CardItem>,
+        private var items: List<CardItem> = emptyList()
-        private val context: Context
-    ) : RecyclerView.Adapter<CardWalletAdapter.VH>() {
 
-        fun update(newCards: List<CardItem>) {
+        fun update(newItems: List<CardItem>) {
-            cards = newCards
+            items = newItems
             notifyDataSetChanged()
         }
 
-        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
+        override fun getItemCount() = items.size
-            VH(LayoutInflater.from(context).inflate(R.layout.item_card_wallet, parent, false))
 
-        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
-        override fun getItemCount() = cards.size
+            VH(LayoutInflater.from(parent.context).inflate(R.layout.item_card_stack, parent, false))
+
+        override fun onBindViewHolder(holder: VH, position: Int) {
+            holder.bind(items[position])
+            // Pre-scale based on data position so initial render and off-screen cards are correct
+            val fraction = abs(position - currentCardPosition).toFloat().coerceIn(0f, 1f)
+            val scale = 1f - 0.18f * fraction
+            holder.itemView.scaleX = scale
+            holder.itemView.scaleY = scale
+            holder.itemView.alpha = 1f - 0.4f * fraction
+        }
 
         inner class VH(view: View) : RecyclerView.ViewHolder(view) {
             private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
             private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
             private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
-            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
             private val tvCardStatus: TextView = view.findViewById(R.id.tvCardStatus)
-            private val btnPayQr: View = view.findViewById(R.id.btnPayQr)
+
-            private val btnPayNfc: View = view.findViewById(R.id.btnPayNfc)
+            init {
+                itemView.layoutParams = RecyclerView.LayoutParams(cardWidth, RecyclerView.LayoutParams.WRAP_CONTENT)
+            }
 
             fun bind(item: CardItem) {
                 when (item) {
                     is CardItem.Mib -> {
                         tvCardOwner.text = item.card.cardHolderName
                         tvCardNumber.text = formatMasked(item.card.maskedCardNumber)
-                        tvCardType.text = item.card.cardTypeDesc
                         val assetPath = cardImageAsset(item.card)
                         if (assetPath != null) loadCardImage(ivCardImage, assetPath)
                         else ivCardImage.setImageDrawable(null)
                         bindCardStatus(tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
+                        itemView.alpha = 1f
                     }
                     is CardItem.Bml -> {
                         tvCardOwner.text = item.account.accountBriefName
                         tvCardNumber.text = formatMasked(item.account.accountNumber)
-                        tvCardType.text = item.account.accountTypeName
                         loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
-                        val bmlStatus = item.account.statusDesc.takeUnless { it.equals("Active", ignoreCase = true) }
+                        val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
-                        bindCardStatus(tvCardStatus, bmlStatus)
+                        bindCardStatus(tvCardStatus, item.account.statusDesc.takeUnless { isActive })
+                        itemView.alpha = if (isActive) 1f else 0.45f
                     }
                 }
-                val isMib = item is CardItem.Mib
-                btnPayQr.setOnClickListener {
-                    if (isMib) {
-                        Toast.makeText(context, R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
-                    } else {
-                        pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
-                        qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
-                    }
-                }
-                val nfcAdapter = android.nfc.NfcAdapter.getDefaultAdapter(context)
-                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(context, msg, Toast.LENGTH_SHORT).show()
-                }
             }
         }
     }
 
     companion object {
         fun cardImageAsset(card: MibCard): String? = when (card.cardType) {
+            "51" -> "cards/mib/faisa_card.png"
             "53" -> "cards/mib/visa_black_platinum.png"
             "57" -> "cards/mib/visa_blue_everyday.png"
             "70" -> "cards/mib/visa_business.png"
+            "701" -> "cards/mib/visa_bingaa_mvr.png"
+            "702" -> "cards/mib/visa_bingaa_usd.png"
             else -> null
         }
 
         fun loadCardImage(imageView: ImageView, assetPath: String) {
             try {
                 val bitmap = imageView.context.assets.open(assetPath).use {
-                    BitmapFactory.decodeStream(it)
+                    android.graphics.BitmapFactory.decodeStream(it)
                 }
                 imageView.setImageBitmap(bitmap)
             } catch (_: Exception) {
@@ -190,8 +297,8 @@ class PayWithCardFragment : Fragment() {
         }
 
         fun mibCardStatusLabel(cardStatus: String): String? = when (cardStatus) {
-            "CHST0" -> null   // Active — no badge
+            "CHST0" -> null
-            else    -> cardStatus
+            else -> cardStatus
         }
 
         fun bindCardStatus(tv: TextView, statusLabel: String?) {

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

@@ -37,8 +37,10 @@ import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ActivityQrScannerBinding
+import sh.sar.basedbank.util.CredentialStore
 import java.util.concurrent.Executors
 
 class QrScannerActivity : AppCompatActivity() {
@@ -95,6 +97,14 @@ class QrScannerActivity : AppCompatActivity() {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+
+        if (CredentialStore(this).loadSecurityHash() != null &&
+            !(application as BasedBankApp).isUnlocked) {
+            startActivity(Intent(this, sh.sar.basedbank.LockActivity::class.java))
+            finish()
+            return
+        }
+
         WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityQrScannerBinding.inflate(layoutInflater)
         setContentView(binding.root)

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

@@ -54,19 +54,29 @@ class SettingsAppearanceFragment : Fragment() {
         // Quick actions
         quickActions.clear()
         quickActions.addAll(NavCustomization.getQuickActions(prefs))
-        quickActionAdapter = NavItemAdapter(quickActions) {
+        quickActionAdapter = NavItemAdapter(
-            NavCustomization.saveQuickActions(prefs, quickActions)
+            items = quickActions,
+            onSave = { NavCustomization.saveQuickActions(prefs, quickActions) },
+            isEnabled = { !prefs.getBoolean("bottom_nav", false) }
+        )
+        setupNavItemRecyclerView(binding.rvQuickActions, quickActionAdapter, quickActions) {
+            !prefs.getBoolean("bottom_nav", false)
         }
-        setupNavItemRecyclerView(binding.rvQuickActions, quickActionAdapter, quickActions)
 
         // Bottom bar shortcuts
         slots.clear()
         slots.addAll(NavCustomization.getSlots(prefs))
-        slotAdapter = NavItemAdapter(slots) {
+        slotAdapter = NavItemAdapter(
-            NavCustomization.saveSlots(prefs, slots)
+            items = slots,
-            (activity as? HomeActivity)?.rebuildBottomNav(prefs)
+            onSave = {
+                NavCustomization.saveSlots(prefs, slots)
+                (activity as? HomeActivity)?.rebuildBottomNav(prefs)
+            },
+            isEnabled = { prefs.getBoolean("bottom_nav", false) }
+        )
+        setupNavItemRecyclerView(binding.rvNavSlots, slotAdapter, slots) {
+            prefs.getBoolean("bottom_nav", false)
         }
-        setupNavItemRecyclerView(binding.rvNavSlots, slotAdapter, slots)
         // Show labels toggle
         val showLabels = prefs.getBoolean("bottom_nav_show_labels", true)
         binding.switchShowLabels.isChecked = showLabels
@@ -109,13 +119,18 @@ class SettingsAppearanceFragment : Fragment() {
     private fun setupNavItemRecyclerView(
         rv: RecyclerView,
         adapter: NavItemAdapter,
-        items: MutableList<Int>
+        items: MutableList<Int>,
+        isEnabled: () -> Boolean
     ) {
         rv.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
         rv.adapter = adapter
         ItemTouchHelper(object : ItemTouchHelper.SimpleCallback(
             ItemTouchHelper.START or ItemTouchHelper.END, 0
         ) {
+            override fun getMovementFlags(recyclerView: RecyclerView, viewHolder: RecyclerView.ViewHolder): Int {
+                if (!isEnabled()) return 0
+                return super.getMovementFlags(recyclerView, viewHolder)
+            }
             override fun onMove(
                 rv: RecyclerView,
                 from: RecyclerView.ViewHolder,
@@ -134,11 +149,17 @@ class SettingsAppearanceFragment : Fragment() {
 
     private fun updateShortcutsVisibility() {
         val isBottom = prefs.getBoolean("bottom_nav", false)
+        binding.sectionQuickActions.alpha = if (isBottom) 0.38f else 1f
         binding.sectionBottomBarShortcuts.alpha = if (isBottom) 1f else 0.38f
+        binding.switchShowLabels.isClickable = isBottom
+        quickActionAdapter.notifyDataSetChanged()
+        slotAdapter.notifyDataSetChanged()
     }
 
     private fun showItemPicker(items: MutableList<Int>, slotIndex: Int, adapter: NavItemAdapter) {
-        if (items === slots && !prefs.getBoolean("bottom_nav", false)) return
+        val isBottom = prefs.getBoolean("bottom_nav", false)
+        if (items === slots && !isBottom) return
+        if (items === quickActions && isBottom) return
         val ctx = requireContext()
         val otherIds = items.filterIndexed { i, _ -> i != slotIndex }.toSet()
         val available = NavCustomization.ALL_SWAPPABLE.filter { it.id !in otherIds }
@@ -169,7 +190,8 @@ class SettingsAppearanceFragment : Fragment() {
 
     private inner class NavItemAdapter(
         val items: MutableList<Int>,
-        val onSave: () -> Unit
+        val onSave: () -> Unit,
+        val isEnabled: () -> Boolean = { true }
     ) : RecyclerView.Adapter<NavItemAdapter.VH>() {
 
         inner class VH(view: View) : RecyclerView.ViewHolder(view) {
@@ -191,7 +213,12 @@ class SettingsAppearanceFragment : Fragment() {
             val def = NavCustomization.ALL_SWAPPABLE.find { it.id == items[position] } ?: return
             holder.ivNavIcon.setImageResource(def.iconRes)
             holder.tvNavLabel.setText(def.titleRes)
-            holder.itemView.setOnClickListener { showItemPicker(items, holder.adapterPosition, this) }
+            val enabled = isEnabled()
+            holder.itemView.setOnClickListener(
+                if (enabled) View.OnClickListener { showItemPicker(items, holder.adapterPosition, this) }
+                else null
+            )
+            holder.itemView.isClickable = enabled
         }
     }
 

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

@@ -151,6 +151,11 @@ class TransferFragment : Fragment() {
         private const val ARG_AMOUNT_PREFILL = "amount_prefill"
         private const val ARG_REMARKS_PREFILL = "remarks_prefill"
         private const val ARG_BML_QR_URL = "bml_qr_url"
+        private const val ARG_AUTO_SCAN = "auto_scan"
+
+        fun newInstanceWithAutoScan() = TransferFragment().apply {
+            arguments = Bundle().apply { putBoolean(ARG_AUTO_SCAN, true) }
+        }
 
         fun newInstanceFromBmlQr(qrUrl: String, fromAccountNumber: String? = null) = TransferFragment().apply {
             arguments = Bundle().apply {
@@ -253,6 +258,10 @@ class TransferFragment : Fragment() {
         arguments?.getString(ARG_REMARKS_PREFILL)?.let { binding.etRemarks.setText(it) }
 
         arguments?.getString(ARG_BML_QR_URL)?.let { lookupBmlQrMerchant(it) }
+
+        if (arguments?.getBoolean(ARG_AUTO_SCAN, false) == true) {
+            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
     }
 
     private fun lookupBmlQrMerchant(qrUrl: String) {

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

@@ -215,6 +215,7 @@ class CredentialsFragment : Fragment() {
                 app.mibSessions[loginId] = flow.lastSession!!
                 app.mibProfilesMap[loginId] = flow.lastProfiles
                 app.mibLoginFlows[loginId] = flow
+                app.isUnlocked = true
                 val intent = Intent(requireContext(), HomeActivity::class.java)
                 intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
                 startActivity(intent)
@@ -364,6 +365,7 @@ class CredentialsFragment : Fragment() {
         if (hasBusinessProfiles) {
             Toast.makeText(requireContext(), "Business profiles can be enabled in Settings → Logins", Toast.LENGTH_LONG).show()
         }
+        (requireActivity().application as BasedBankApp).isUnlocked = true
         val intent = Intent(requireContext(), HomeActivity::class.java)
         intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
         startActivity(intent)
@@ -496,6 +498,7 @@ class CredentialsFragment : Fragment() {
         app.fahipaySessions[loginId] = session
         app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != loginTag } + listOf(account)
         app.accounts = app.accounts.filter { it.loginTag != loginTag } + listOf(account)
+        app.isUnlocked = true
         val intent = Intent(requireContext(), HomeActivity::class.java)
         intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
         startActivity(intent)

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

@@ -1,10 +1,14 @@
 package sh.sar.basedbank.ui.login
 
+import android.content.Intent
 import android.content.res.Configuration
 import android.os.Bundle
 import androidx.appcompat.app.AppCompatActivity
 import androidx.core.view.WindowCompat
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.LockActivity
 import sh.sar.basedbank.databinding.ActivityLoginBinding
+import sh.sar.basedbank.util.CredentialStore
 
 class LoginActivity : AppCompatActivity() {
 
@@ -12,6 +16,16 @@ class LoginActivity : AppCompatActivity() {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+
+        // If security is configured and the user hasn't unlocked this session,
+        // they must authenticate first before being able to add more accounts.
+        val app = application as BasedBankApp
+        if (CredentialStore(this).loadSecurityHash() != null && !app.isUnlocked) {
+            startActivity(Intent(this, LockActivity::class.java))
+            finish()
+            return
+        }
+
         WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityLoginBinding.inflate(layoutInflater)
         setContentView(binding.root)

app/src/main/java/sh/sar/basedbank/ui/onboarding/OnboardingActivity.kt

@@ -13,9 +13,12 @@ import androidx.core.view.WindowCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.viewpager2.widget.ViewPager2
 import com.google.android.material.tabs.TabLayoutMediator
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.LockActivity
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ActivityOnboardingBinding
 import sh.sar.basedbank.ui.login.LoginActivity
+import sh.sar.basedbank.util.CredentialStore
 
 class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
 
@@ -25,6 +28,15 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+
+        // If security is already configured, onboarding is complete. Redirect to lock screen
+        // to prevent overwriting an existing PIN/pattern via direct activity launch.
+        if (CredentialStore(this).loadSecurityHash() != null) {
+            startActivity(Intent(this, LockActivity::class.java))
+            finish()
+            return
+        }
+
         WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityOnboardingBinding.inflate(layoutInflater)
         setContentView(binding.root)
@@ -97,6 +109,9 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
 
         binding.btnGetStarted.setOnClickListener {
             prefs.edit().putBoolean("onboarding_done", true).apply()
+            // Mark as unlocked so LoginActivity doesn't redirect to LockActivity.
+            // The user just completed setup — they shouldn't have to re-authenticate immediately.
+            (application as BasedBankApp).isUnlocked = true
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
         }

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

@@ -5,6 +5,7 @@ data class AccountListDisplay(
     val number: String,
     val typeLabel: String,
     val balance: String,
+    val blockedBalance: String? = null, // null when zero or not applicable
     val isCard: Boolean = false,
     val cardBrandIcon: Int = 0,       // drawable res, only meaningful if isCard
     val statusLabel: String? = null   // null = active; shown as status pill if set

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

@@ -51,6 +51,21 @@ object ContactsCache {
         prefs.apply()
     }
 
+    /** Merge new MIB contacts into the cached list, deduping by benefNo. Categories
+     *  are replaced wholesale (the latest snapshot is canonical). Safe to call
+     *  repeatedly as pages arrive. */
+    fun appendContacts(
+        context: Context,
+        newContacts: List<BankContact>,
+        categories: List<BankContactCategory>
+    ) {
+        if (newContacts.isEmpty() && categories.isEmpty()) return
+        val existing = loadContacts(context)
+        val seen = existing.map { it.benefNo }.toHashSet()
+        val merged = existing + newContacts.filter { seen.add(it.benefNo) }
+        save(context, merged, categories)
+    }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }

app/src/main/java/sh/sar/basedbank/util/bmlapi/BmlDashboardParser.kt

@@ -26,11 +26,13 @@ object BmlDashboardParser {
                 statusLabel   = if (isActive) null else account.statusDesc
             )
         } else {
+            val blocked = account.blockedAmount.toDoubleOrNull() ?: 0.0
             AccountListDisplay(
-                name      = account.accountBriefName,
+                name           = account.accountBriefName,
-                number    = account.accountNumber,
+                number         = account.accountNumber,
-                typeLabel = productLabel(account.accountTypeName),
+                typeLabel      = productLabel(account.accountTypeName),
-                balance   = listBalance(account)
+                balance        = listBalance(account),
+                blockedBalance = if (blocked > 0.0) "${account.currencyName} ${account.blockedAmount}" else null
             )
         }
     }
@@ -52,9 +54,9 @@ object BmlDashboardParser {
         }
     }
 
-    /** Balance shown in the accounts list — ledger (working) balance for BML CASA. */
+    /** Balance shown in the accounts list — available balance, consistent with transfer/contact picker. */
     fun listBalance(account: BankAccount): String =
-        "${account.currencyName} ${account.currentBalance}"
+        "${account.currencyName} ${account.availableBalance}"
 
     fun cardBrandIcon(productName: String): Int = when {
         productName.contains("AMEX", ignoreCase = true) ||

app/src/main/java/sh/sar/basedbank/util/mibapi/MibAccountParser.kt

@@ -5,12 +5,16 @@ import sh.sar.basedbank.util.AccountListDisplay
 
 object MibAccountParser {
 
-    fun displayData(account: BankAccount) = AccountListDisplay(
+    fun displayData(account: BankAccount): AccountListDisplay {
-        name      = account.accountBriefName,
+        val blocked = account.blockedAmount.toDoubleOrNull() ?: 0.0
-        number    = account.accountNumber,
+        return AccountListDisplay(
-        typeLabel = productLabel(account.accountTypeName),
+            name           = account.accountBriefName,
-        balance   = "${account.currencyName} ${account.availableBalance}"
+            number         = account.accountNumber,
-    )
+            typeLabel      = productLabel(account.accountTypeName),
+            balance        = "${account.currencyName} ${account.availableBalance}",
+            blockedBalance = if (blocked > 0.0) "${account.currencyName} ${account.blockedAmount}" else null
+        )
+    }
 
     /**
      * Returns a display-ready product label for a MIB (Faisanet) account type name.

app/src/main/java/sh/sar/basedbank/util/mibapi/MibHistoryParser.kt

@@ -5,13 +5,16 @@ import sh.sar.basedbank.util.AccountHistoryDisplay
 
 object MibHistoryParser {
 
-    fun displayData(account: BankAccount) = AccountHistoryDisplay(
+    fun displayData(account: BankAccount): AccountHistoryDisplay {
-        name             = account.accountBriefName,
+        val blocked = account.blockedAmount.toDoubleOrNull() ?: 0.0
-        number           = account.accountNumber,
+        return AccountHistoryDisplay(
-        bankPill         = null,   // MIB has no bank pill
+            name             = account.accountBriefName,
-        typeLabel        = MibAccountParser.productLabel(account.accountTypeName),
+            number           = account.accountNumber,
-        availableBalance = "${account.currencyName} ${account.availableBalance}",
+            bankPill         = null,   // MIB has no bank pill
-        workingBalance   = "${account.currencyName} ${account.currentBalance}",
+            typeLabel        = MibAccountParser.productLabel(account.accountTypeName),
-        blockedBalance   = null
+            availableBalance = "${account.currencyName} ${account.availableBalance}",
-    )
+            workingBalance   = "${account.currencyName} ${account.currentBalance}",
+            blockedBalance   = if (blocked > 0.0) "${account.currencyName} ${account.blockedAmount}" else null
+        )
+    }
 }

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<adaptive-icon xmlns:android="http://schemas.android.com/apk/res/android">
+    <background android:drawable="@color/seed_primary" />
+    <foreground android:drawable="@drawable/ic_shortcut_pay_card_fg" />
+    <monochrome android:drawable="@drawable/ic_shortcut_pay_card_fg" />
+</adaptive-icon>

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

@@ -0,0 +1,16 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="108dp"
+    android:height="108dp"
+    android:viewportWidth="108"
+    android:viewportHeight="108">
+    <group
+        android:translateX="30"
+        android:translateY="30"
+        android:scaleX="2"
+        android:scaleY="2">
+        <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" />
+    </group>
+</vector>

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<adaptive-icon xmlns:android="http://schemas.android.com/apk/res/android">
+    <background android:drawable="@color/seed_primary" />
+    <foreground android:drawable="@drawable/ic_shortcut_scan_qr_fg" />
+    <monochrome android:drawable="@drawable/ic_shortcut_scan_qr_fg" />
+</adaptive-icon>

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

@@ -0,0 +1,16 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="108dp"
+    android:height="108dp"
+    android:viewportWidth="108"
+    android:viewportHeight="108">
+    <group
+        android:translateX="30"
+        android:translateY="30"
+        android:scaleX="2"
+        android:scaleY="2">
+        <path
+            android:fillColor="#FFFFFF"
+            android:pathData="M9.5,6.5v3h-3v-3H9.5zM11,5L5,5v5.5h6L11,5zM9.5,14.5v3h-3v-3H9.5zM11,13L5,13v5.5h6L11,13zM17.5,6.5v3h-3v-3H17.5zM19,5h-6v5.5h6L19,5zM13,13h1.5v1.5L13,14.5zM14.5,14.5L16,14.5L16,16h-1.5zM16,13h1.5v1.5L16,14.5zM13,16h1.5v1.5L13,17.5zM14.5,17.5L16,17.5L16,19h-1.5zM16,16h1.5v1.5L16,17.5zM17.5,14.5L19,14.5L19,16h-1.5zM17.5,17.5L19,17.5L19,19h-1.5z" />
+    </group>
+</vector>

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<adaptive-icon xmlns:android="http://schemas.android.com/apk/res/android">
+    <background android:drawable="@color/seed_primary" />
+    <foreground android:drawable="@drawable/ic_shortcut_transfer_fg" />
+    <monochrome android:drawable="@drawable/ic_shortcut_transfer_fg" />
+</adaptive-icon>

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

@@ -0,0 +1,16 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="108dp"
+    android:height="108dp"
+    android:viewportWidth="108"
+    android:viewportHeight="108">
+    <group
+        android:translateX="30"
+        android:translateY="30"
+        android:scaleX="2"
+        android:scaleY="2">
+        <path
+            android:fillColor="#FFFFFF"
+            android:pathData="M2.01,21L23,12 2.01,3 2,10l15,2 -15,2z" />
+    </group>
+</vector>

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

@@ -0,0 +1,194 @@
+<?xml version="1.0" encoding="utf-8"?>
+<FrameLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+        <!-- Main content when cards exist -->
+        <LinearLayout
+            android:id="@+id/contentLayout"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:orientation="vertical"
+            android:visibility="gone">
+
+            <!-- Top spacer: pushes card to vertical center -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="0dp"
+                android:layout_weight="1" />
+
+            <!-- Horizontal card stack. Width/padding set programmatically for centering + peek. -->
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvCards"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:clipToPadding="false"
+                android:overScrollMode="never" />
+
+            <!-- Page indicator dots -->
+            <LinearLayout
+                android:id="@+id/pageIndicator"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="center_horizontal"
+                android:orientation="horizontal"
+                android:paddingTop="12dp"
+                android:paddingBottom="2dp" />
+
+            <!-- Selected card type / product name -->
+            <TextView
+                android:id="@+id/tvSelectedCardType"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:gravity="center"
+                android:paddingHorizontal="16dp"
+                android:paddingTop="6dp"
+                android:paddingBottom="2dp"
+                android:textAppearance="?attr/textAppearanceLabelLarge"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <!-- Flexible spacer: absorbs remaining space, pushes buttons to bottom -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="0dp"
+                android:layout_weight="1" />
+
+            <!-- Divider -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="1dp"
+                android:layout_marginHorizontal="24dp"
+                android:layout_marginBottom="4dp"
+                android:background="?attr/colorOutlineVariant" />
+
+            <!-- Primary pay actions -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:paddingHorizontal="16dp"
+                android:paddingTop="8dp"
+                android:paddingBottom="4dp">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnScanToPay"
+                    style="@style/Widget.Material3.Button.TonalButton"
+                    android:layout_width="0dp"
+                    android:layout_weight="1"
+                    android:layout_height="wrap_content"
+                    android:layout_marginEnd="8dp"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:paddingTop="14dp"
+                    android:paddingBottom="14dp"
+                    android:text="@string/card_pay_qr"
+                    android:textSize="13sp"
+                    app:icon="@drawable/ic_qr_scan"
+                    app:iconSize="22dp"
+                    app:iconGravity="top"
+                    app:iconPadding="6dp" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnTapToPay"
+                    style="@style/Widget.Material3.Button.TonalButton"
+                    android:layout_width="0dp"
+                    android:layout_weight="1"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="8dp"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:paddingTop="14dp"
+                    android:paddingBottom="14dp"
+                    android:text="@string/card_pay_nfc"
+                    android:textSize="13sp"
+                    app:icon="@drawable/ic_nfc"
+                    app:iconSize="22dp"
+                    app:iconGravity="top"
+                    app:iconPadding="6dp" />
+
+            </LinearLayout>
+
+            <!-- Secondary card management actions -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:paddingHorizontal="8dp"
+                android:paddingTop="4dp"
+                android:paddingBottom="8dp">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnChangePin"
+                    style="@style/Widget.Material3.Button.TextButton"
+                    android:layout_width="0dp"
+                    android:layout_weight="1"
+                    android:layout_height="wrap_content"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:text="@string/card_action_change_pin"
+                    android:textSize="11sp"
+                    app:icon="@drawable/ic_edit"
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnFreeze"
+                    style="@style/Widget.Material3.Button.TextButton"
+                    android:layout_width="0dp"
+                    android:layout_weight="1"
+                    android:layout_height="wrap_content"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:text="@string/card_action_freeze"
+                    android:textSize="11sp"
+                    app:icon="@drawable/ic_freeze"
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnBlock"
+                    style="@style/Widget.Material3.Button.TextButton"
+                    android:layout_width="0dp"
+                    android:layout_weight="1"
+                    android:layout_height="wrap_content"
+                    android:minWidth="0dp"
+                    android:minHeight="0dp"
+                    android:text="@string/card_action_block"
+                    android:textSize="11sp"
+                    app:icon="@drawable/ic_block"
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <!-- Loading state -->
+        <LinearLayout
+            android:id="@+id/loadingView"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:gravity="center"
+            android:orientation="vertical"
+            android:visibility="gone">
+            <ProgressBar
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content" />
+        </LinearLayout>
+
+        <!-- Empty state -->
+        <TextView
+            android:id="@+id/emptyView"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:gravity="center"
+            android:text="@string/cards_empty"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant"
+            android:visibility="gone" />
+
+
+</FrameLayout>

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

@@ -176,6 +176,103 @@
 
         </LinearLayout>
 
+        <!-- Attention row: Blocked + Overdue (hidden when nothing applies) -->
+        <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/cardBlocked"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:layout_marginEnd="8dp"
+                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"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnErrorContainer" />
+
+                    <TextView
+                        android:id="@+id/tvBlockedTotal"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="4dp"
+                        android:text="MVR —"
+                        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:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:layout_marginStart="8dp"
+                app:cardElevation="1dp"
+                app:cardCornerRadius="12dp"
+                app:cardBackgroundColor="?attr/colorErrorContainer"
+                android:clickable="true"
+                android:focusable="true"
+                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_overdue"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnErrorContainer" />
+
+                    <TextView
+                        android:id="@+id/tvOverdueTotal"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="4dp"
+                        android:text="MVR —"
+                        android:textAppearance="?attr/textAppearanceTitleMedium"
+                        android:textColor="?attr/colorOnErrorContainer" />
+
+                </LinearLayout>
+
+            </com.google.android.material.card.MaterialCardView>
+
+        </LinearLayout>
+
         <!-- Pending Finances card -->
         <com.google.android.material.card.MaterialCardView
             android:id="@+id/cardPendingFinances"

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

@@ -45,22 +45,30 @@
 
         </com.google.android.material.button.MaterialButtonToggleGroup>
 
-        <!-- Quick actions (always active) -->
+        <!-- Quick actions — shown only when drawer nav is active -->
-        <TextView
+        <LinearLayout
-            android:layout_width="wrap_content"
+            android:id="@+id/sectionQuickActions"
-            android:layout_height="wrap_content"
-            android:text="@string/dashboard_quick_actions"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginTop="8dp"
-            android:layout_marginBottom="12dp" />
-
-        <androidx.recyclerview.widget.RecyclerView
-            android:id="@+id/rvQuickActions"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:nestedScrollingEnabled="false"
+            android:orientation="vertical"
-            android:overScrollMode="never"
+            android:layout_marginBottom="16dp">
-            android:layout_marginBottom="16dp" />
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/dashboard_quick_actions"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:layout_marginTop="8dp"
+                android:layout_marginBottom="12dp" />
+
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvQuickActions"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:nestedScrollingEnabled="false"
+                android:overScrollMode="never" />
+
+        </LinearLayout>
 
         <!-- Bottom bar shortcuts — shown only when bottom nav is active -->
         <LinearLayout

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

@@ -72,6 +72,15 @@
                 android:textAppearance="?attr/textAppearanceTitleSmall"
                 android:textColor="?attr/colorOnSurface" />
 
+            <TextView
+                android:id="@+id/tvBlocked"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginTop="2dp"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorError"
+                android:visibility="gone" />
+
             <ImageButton
                 android:id="@+id/btnTransfer"
                 android:layout_width="40dp"

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

@@ -0,0 +1,79 @@
+<?xml version="1.0" encoding="utf-8"?>
+<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="match_parent"
+    android:layout_height="wrap_content"
+    android:layout_marginHorizontal="6dp"
+    app:cardCornerRadius="16dp"
+    app:cardElevation="6dp">
+
+    <FrameLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content">
+
+        <ImageView
+            android:id="@+id/ivCardImage"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:scaleType="fitCenter"
+            android:adjustViewBounds="true"
+            android:contentDescription="@string/nav_pay_with_card" />
+
+        <!-- Bottom gradient for text legibility -->
+        <View
+            android:layout_width="match_parent"
+            android:layout_height="80dp"
+            android:layout_gravity="bottom"
+            android:background="@drawable/bg_card_overlay_gradient" />
+
+        <!-- Status badge (top-right) -->
+        <TextView
+            android:id="@+id/tvCardStatus"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="top|end"
+            android:layout_margin="8dp"
+            android:paddingStart="6dp"
+            android:paddingEnd="6dp"
+            android:paddingTop="2dp"
+            android:paddingBottom="2dp"
+            android:textSize="9sp"
+            android:textColor="#FFFFFF"
+            android:textStyle="bold"
+            android:visibility="gone" />
+
+        <!-- Card owner name + masked number (bottom-left) -->
+        <LinearLayout
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="bottom|start"
+            android:orientation="vertical"
+            android:padding="12dp">
+
+            <TextView
+                android:id="@+id/tvCardOwner"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelMedium"
+                android:textColor="#FFFFFF"
+                android:textStyle="bold"
+                android:shadowColor="#80000000"
+                android:shadowDx="1"
+                android:shadowDy="1"
+                android:shadowRadius="3" />
+
+            <TextView
+                android:id="@+id/tvCardNumber"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginTop="2dp"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="#CCFFFFFF"
+                android:fontFamily="monospace" />
+
+        </LinearLayout>
+
+    </FrameLayout>
+
+</com.google.android.material.card.MaterialCardView>

app/src/main/res/menu/drawer_menu.xml

@@ -32,9 +32,6 @@
         <item android:id="@+id/nav_pay_with_card"
             android:icon="@drawable/ic_nav_card"
             android:title="@string/nav_pay_with_card" />
-        <item android:id="@+id/nav_card_settings"
-            android:icon="@drawable/ic_nav_card"
-            android:title="@string/nav_card_settings" />
     </group>
 
     <group android:id="@+id/group_system" android:checkableBehavior="single">

app/src/main/res/menu/more_nav_menu.xml

@@ -15,9 +15,6 @@
     <item android:id="@+id/nav_pay_with_card"
         android:icon="@drawable/ic_nav_card"
         android:title="@string/nav_pay_with_card" />
-    <item android:id="@+id/nav_card_settings"
-        android:icon="@drawable/ic_nav_card"
-        android:title="@string/nav_card_settings" />
     <item android:id="@+id/nav_otp"
         android:icon="@drawable/ic_nav_otp"
         android:title="@string/nav_otp" />

app/src/main/res/values-b+dv/strings.xml

@@ -72,7 +72,8 @@
     <string name="nav_activities">ހަރަކާތްތައް</string>
     <string name="nav_transfer_history">ޓްރާންސެކްޝަން ތާރީހް</string>
     <string name="nav_finances">ފައިނޭންސް</string>
-    <string name="nav_card_settings">ކާޑް ސެޓިންގ</string>
+    <string name="nav_pay_with_card">ކާޑްތައް</string>
+    <string name="nav_desc_pay_with_card">ކާޑް މެނޭޖްކޮށް ފައިސާ ދައްކާ</string>
     <string name="nav_settings">ސެޓިންގ</string>
     <string name="nav_desc_accounts">ހުރިހާ ބޭންކް އެކައުންޓްތައް ބަލާ</string>
     <string name="nav_desc_contacts">ޓްރާންސްފަ ކޮންޓެކްޓްތައް މެނޭޖް ކުރޭ</string>
@@ -81,8 +82,6 @@
     <string name="nav_desc_activities">ފަހުގެ ޓްރާންސްފަތައް ބަލާ</string>
     <string name="nav_desc_transfer_history">އެކައުންޓް ތަކުގެ ޓްރާންސެކްޝަން ތާރީހް</string>
     <string name="nav_desc_finances">ލޯން އަދި ފައިނޭންސިންގ</string>
-    <string name="nav_desc_pay_with_card">ކާޑް ބޭނުންކޮށް ފައިސާ ދައްކާ</string>
-    <string name="nav_desc_card_settings">ކާޑް ސެޓިންގ މެނޭޖް ކުރޭ</string>
     <string name="nav_desc_otp">OTP ކޯޑް ތައްޔާރު ކުރޭ</string>
     <string name="nav_desc_settings">އެޕްލިކޭޝަންގެ ތަރުތީބު</string>
     <string name="nav_open_drawer">ނެވިގޭޝަން ހުޅުވާ</string>

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

@@ -93,8 +93,7 @@
     <string name="nav_desc_activities">View your recent transfers</string>
     <string name="nav_desc_transfer_history">Full transaction history by account</string>
     <string name="nav_desc_finances">Loans and financing overview</string>
-    <string name="nav_desc_pay_with_card">Make a payment using your card</string>
+    <string name="nav_desc_pay_with_card">Manage and pay with your cards</string>
-    <string name="nav_desc_card_settings">Manage your card preferences</string>
     <string name="nav_desc_otp">Generate OTP codes for authentication</string>
     <string name="nav_desc_settings">App preferences and configuration</string>
     <string name="nav_open_drawer">Open navigation</string>
@@ -209,6 +208,9 @@
     <string name="accounts">Accounts</string>
     <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_overdue">Overdue Financing</string>
 
     <!-- Transfer -->
     <string name="transfer_tab_quick">Quick Transfer</string>
@@ -311,9 +313,9 @@
     <string name="loan_rate_fmt">%.2f%%</string>
 
     <!-- Cards -->
-    <string name="nav_pay_with_card">Pay with Card</string>
+    <string name="nav_pay_with_card">Cards</string>
-    <string name="card_pay_qr">QR Pay</string>
+    <string name="card_pay_qr">Scan to Pay</string>
-    <string name="card_pay_nfc">NFC 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_action_change_pin">Change PIN</string>
     <string name="card_action_freeze">Freeze</string>

app/src/main/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"
+            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"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+    <shortcut
+        android:shortcutId="pay_with_card"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_pay_card"
+        android:shortcutShortLabel="@string/nav_pay_with_card"
+        android:shortcutLongLabel="@string/nav_pay_with_card">
+        <intent
+            android:action="sh.sar.basedbank.OPEN_PAY_WITH_CARD"
+            android:targetPackage="sh.sar.basedbank"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+</shortcuts>