chats: business payments, new bubbles, pinning, Scan to Pay

- Card / Scan to Pay payments show as business chats (from BML
  "Payment Completed" alerts and "Purchase" history), kept apart from
  people; static merchant QRs are kept so a business can be paid again
  from its chat, with a card picker
- Scan to Pay button on the chat list; returns and re-checks after paying
- Compact bubbles with ticks (alert seen / booked in history), receipt
  button, day totals, monthly summary, long-press actions
- Personal accounts confirm with just the dialog over the chat; business
  profiles keep the sheet for the OTP step
- From chip shows account number and balance; MVR -> USD account is
  blocked, USD -> MVR warns about conversion
- Long-press a chat to pin it to the top

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01FQUrmJjrypeoPsubpzuezC

.gitea/workflows/build-apk.yml

@@ -27,24 +27,21 @@ jobs:
       - name: Rename APK
         run: |
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           find .build/release/release/ -maxdepth 1 -name "*.apk" | head -1 | xargs -I{} mv {} ".build/release/release/${APP_NAME}-${TAG}.apk"
 
       - name: Extract release notes
         run: |
-          echo "No release notes" > release_notes.md
-#          VERSION="${{ gitea.ref_name }}"
-#          VERSION="${VERSION#v}"
-#
-#          awk -v ver="$VERSION" '
-#            BEGIN { found=0 }
-#            /^## \[/ {
-#              if (found) exit
-#              if ($0 ~ "\\[" ver "\\]") { found=1; next }
-#            }
-#            found { print }
-#          ' CHANGELOG.md > release_notes.md
+          VERSION_CODE=$(grep 'versionCode = ' app/build.gradle.kts | sed 's/.*versionCode = \([0-9]*\).*/\1/')
+          CHANGELOG="fastlane/metadata/android/en-US/changelogs/${VERSION_CODE}.txt"
+
+          if [ -f "$CHANGELOG" ]; then
+            cp "$CHANGELOG" release_notes.md
+          else
+            echo "No changelog found at $CHANGELOG"
+            echo "No release notes" > release_notes.md
+          fi
 
       - name: Create Gitea Release
         env:
@@ -53,7 +50,7 @@ jobs:
           GITEA_TOKEN: ${{ secrets.PAT_GITEA }}
         run: |
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           TITLE="${APP_NAME} ${TAG}"
           NOTES_FILE="release_notes.md"
@@ -101,12 +98,12 @@ jobs:
           fi
 
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           ASSET_PATH=".build/release/release/${APP_NAME}-${TAG}.apk"
-          CAPTION="${APP_NAME} ${TAG}"
+          CAPTION="$(printf '%s\n\n%s' "${APP_NAME} ${TAG}" "$(cat release_notes.md)" | head -c 1024)"
 
           curl -s -X POST "https://api.telegram.org/bot${TG_BOT_TOKEN}/sendDocument" \
             -F "chat_id=${TG_CHAT_ID}" \
             -F "document=@${ASSET_PATH}" \
-            -F "caption=${CAPTION}"
+            --form-string "caption=${CAPTION}"

app/build.gradle.kts

@@ -21,8 +21,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 22
-        versionName = "1.0.21"
+        versionCode = 28
+        versionName = "1.0.27"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
 

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

@@ -14,9 +14,15 @@ internal fun newBmlApiClient(): OkHttpClient = OkHttpClient.Builder()
     .readTimeout(30, TimeUnit.SECONDS)
     .build()
 
+/**
+ * Headers are sent in the order (and with the names) BML's own app uses. `accept` is not optional:
+ * handled errors come back as JSON either way, but when a route throws (HTTP 500) the server
+ * renders the Internet Banking HTML page — under HTTP 200 — unless the request asks for JSON.
+ */
 internal fun bmlApiRequest(session: BmlSession, url: String): Request =
     Request.Builder().url(url)
-        .header("Authorization", "Bearer ${session.accessToken}")
-        .header("User-Agent", BML_USER_AGENT)
+        .header("accept", "application/json")
         .header("x-app-version", BML_APP_VERSION)
+        .header("user-agent", BML_USER_AGENT)
+        .header("authorization", "Bearer ${session.accessToken}")
         .build()

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

@@ -74,6 +74,13 @@ data class BmlQrPayInfo(
     val currency: String
 )
 
+/**
+ * The pay-request lookup answered `success: false` — [message] is BML's own wording, safe to show
+ * (e.g. code 103 "The payment request has expired", 112 "Unsupported payment link"). Network and
+ * parse failures stay plain exceptions so the generic message is used for those instead.
+ */
+class BmlQrPayLookupException(val code: Int, message: String) : Exception(message)
+
 data class BmlQrPayResult(
     val success: Boolean,
     val merchant: String = "",

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.api.bml
 
+import android.util.Base64
 import okhttp3.MediaType.Companion.toMediaType
 import okhttp3.Request
 import okhttp3.RequestBody.Companion.toRequestBody
@@ -10,17 +11,27 @@ class BmlQrPayClient {
     private val client = newBmlApiClient()
 
     /**
-     * Resolves a BML QR URL to merchant details.
-     * [base64Url] is the full QR URL Base64-encoded (standard, with padding).
+     * Resolves a BML QR to merchant details. [payTarget] is the QR URL, or for POS QRs the bare
+     * `35` → `20` → `01` reference.
+     *
+     * The key is Base64-encoded here without padding, as BML's own app sends it. The padded form
+     * resolves too, so this is parity rather than a requirement.
      */
-    fun lookupPayRequest(session: BmlSession, base64Url: String): BmlQrPayInfo {
+    fun lookupPayRequest(session: BmlSession, payTarget: String): BmlQrPayInfo {
+        val key = Base64.encodeToString(
+            payTarget.toByteArray(Charsets.UTF_8), Base64.NO_WRAP or Base64.NO_PADDING)
         val request = bmlApiRequest(session,
-            "$BML_BASE_URL/api/mobile/walletpayments/payrequest/$base64Url")
+            "$BML_BASE_URL/api/mobile/walletpayments/payrequest/$key")
         return client.newCall(request).execute().use { response ->
             val body = response.body?.string() ?: throw Exception("No response")
+            // A server-side error renders an HTML page under HTTP 200 rather than an error JSON.
+            if (!body.trimStart().startsWith("{"))
+                throw Exception("Unexpected non-JSON response (HTTP ${response.code})")
             val json = JSONObject(body)
             if (!json.optBoolean("success"))
-                throw Exception(json.optString("message").ifBlank { "Lookup failed" })
+                throw BmlQrPayLookupException(
+                    json.optInt("code"),
+                    json.optString("message").ifBlank { "Lookup failed" })
             val payload = json.getJSONObject("payload")
             val addr2 = payload.optString("narrative2").trim()
             val addr3 = payload.optString("narrative3").trim()

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

@@ -234,6 +234,12 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private fun setupAccountSearch() {
         binding.tilAccount.setEndIconOnClickListener { performLookup() }
+        binding.etAccount.setOnEditorActionListener { _, actionId, _ ->
+            if (actionId == android.view.inputmethod.EditorInfo.IME_ACTION_SEARCH) {
+                performLookup()
+                true
+            } else false
+        }
     }
 
     private fun performLookup() {
@@ -387,7 +393,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
         // Auto-fill alias with existing alias or name
         if (binding.etAlias.text.isNullOrBlank()) {
-            binding.etAlias.setText(validation.name)
+            binding.etAlias.setText(sh.sar.basedbank.util.bmlapi.BmlDashboardParser.toTitleCase(validation.name))
         }
         binding.etCurrency.setText(validation.currency)
 

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

@@ -5,7 +5,6 @@ import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
 import android.os.Bundle
-import android.util.Base64
 import android.view.Gravity
 import android.view.LayoutInflater
 import android.view.View
@@ -128,7 +127,6 @@ class BmlQrPayFragment : Fragment() {
     }
 
     private fun lookupMerchant(qrUrl: String) {
-        val base64Url = Base64.encodeToString(qrUrl.toByteArray(Charsets.UTF_8), Base64.NO_WRAP)
         val app = requireActivity().application as BasedBankApp
         val session = app.anyBmlSession() ?: run {
             Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
@@ -141,7 +139,7 @@ class BmlQrPayFragment : Fragment() {
 
         viewLifecycleOwner.lifecycleScope.launch {
             val info = withContext(Dispatchers.IO) {
-                try { BmlQrPayClient().lookupPayRequest(session, base64Url) }
+                try { BmlQrPayClient().lookupPayRequest(session, qrUrl) }
                 catch (_: Exception) { null }
             }
             if (_binding == null) return@launch

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

@@ -0,0 +1,686 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.view.inputmethod.EditorInfo
+import android.widget.LinearLayout
+import android.widget.TextView
+import androidx.appcompat.app.AppCompatActivity
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.bottomsheet.BottomSheetDialog
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.snackbar.Snackbar
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentChatBinding
+import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.databinding.ViewChatHeaderBinding
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactListParser
+import sh.sar.basedbank.util.ReceiptStore
+import sh.sar.basedbank.util.AccountListParser
+import sh.sar.basedbank.util.ChatAccount
+import sh.sar.basedbank.util.ChatStore
+import sh.sar.basedbank.util.ChatThread
+
+/**
+ * One person's transfers as a chat, or one business's card / Scan to Pay payments.
+ *
+ * A person can have several accounts (e.g. MVR and USD); the "To" bar picks which one to send to.
+ * Sending opens [TransferFragment] in a sheet, prefilled with the recipient, source account,
+ * amount and note, so the usual confirm/OTP flow still applies. A monthly summary sits on top,
+ * and long-pressing a bubble offers Send again / receipt / copy.
+ */
+class ChatFragment : Fragment(), ContactSheetHost {
+
+    private var _binding: FragmentChatBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+    private val app get() = requireActivity().application as BasedBankApp
+
+    private var peerKey = ""
+    private var header: ViewChatHeaderBinding? = null
+    private val adapter = ChatMessagesAdapter(
+        onReceiptClick = { openReceipt(it.receiptKey) },
+        onLongPress = { message, anchor -> showMessageMenu(message, anchor) }
+    )
+    private var thread: ChatThread? = null
+    private var fromAccounts: List<BankAccount> = emptyList()
+    private var selectedFrom: BankAccount? = null
+    private var selectedTo: ChatAccount? = null
+    private var merchantQr: String? = null
+    private var cardAccounts: List<BankAccount> = emptyList()
+    private var selectedCard: BankAccount? = null
+    /** When the last transfer / payment sheet was opened, to tell whether it left a new receipt. */
+    private var payStartedAt = 0L
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentChatBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        peerKey = savedInstanceState?.getString(ARG_PEER_KEY) ?: requireArguments().getString(ARG_PEER_KEY).orEmpty()
+        binding.rvMessages.layoutManager = LinearLayoutManager(requireContext()).apply { stackFromEnd = true }
+        binding.rvMessages.adapter = adapter
+
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) {
+            adapter.setHideAmounts(it)
+            thread?.let { t -> bindSummary(t) }
+            bindFromChip()
+        }
+
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            fromAccounts = accounts.filter { it.bank == "BML" && it.profileType !in CARD_OR_LOAN }
+            cardAccounts = accounts.filter {
+                it.bank == "BML" && it.profileType in CARD_TYPES && it.statusDesc.equals("Active", ignoreCase = true)
+            }
+            bindFromAccounts()
+        }
+
+        binding.btnFrom.setOnClickListener { if (thread?.isMerchant == true) showCardPicker() else showAccountPicker() }
+        binding.btnSaveContact.setOnClickListener { openContact() }
+        binding.toAccountBar.setOnClickListener { showRecipientPicker() }
+        binding.btnSend.setOnClickListener { send() }
+        binding.etNote.setOnEditorActionListener { _, actionId, _ ->
+            if (actionId == EditorInfo.IME_ACTION_SEND) { send(); true } else false
+        }
+        binding.btnPayAgain.setOnClickListener { payBusiness() }
+
+        // Transfers started from this chat come straight back here instead of opening the receipt.
+        parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
+            onTransferDone()
+        }
+
+        // A newly saved contact adds an account (and maybe a nickname) to this chat; reload.
+        viewModel.contacts.observe(viewLifecycleOwner) { loadThread() }
+    }
+
+    override fun onSaveInstanceState(outState: Bundle) {
+        super.onSaveInstanceState(outState)
+        outState.putString(ARG_PEER_KEY, peerKey)
+    }
+
+    private fun loadThread() {
+        val ctx = requireContext().applicationContext
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val threads = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) }
+            val knownIds = thread?.messages?.mapTo(HashSet()) { it.id }.orEmpty()
+            val t = threads.firstOrNull { it.peerKey == peerKey }
+                ?: threads.firstOrNull { th -> th.messages.any { it.id in knownIds } }
+            if (_binding == null) return@launch
+            thread = t
+            if (t == null) return@launch
+            peerKey = t.peerKey
+            adapter.showDestination = t.accounts.size > 1
+            adapter.setMessages(t.messages, getString(R.string.chat_today), getString(R.string.chat_yesterday))
+            binding.rvMessages.scrollToPosition(adapter.itemCount - 1)
+            bindSummary(t)
+
+            bindFromAccounts()
+            val previous = selectedTo
+            val to = t.accounts.firstOrNull { it.account == previous?.account }
+                ?: t.accounts.firstOrNull { it.account == t.peerAccount }
+            selectTo(to, matchFromCurrency = previous == null)
+            updateToolbar()
+        }
+    }
+
+    /** Picks which of the person's accounts to send to and updates everything that depends on it. */
+    private fun selectTo(to: ChatAccount?, matchFromCurrency: Boolean) {
+        val b = _binding ?: return
+        val t = thread ?: return
+        selectedTo = to
+
+        if (t.isMerchant) {
+            // Businesses paid by card / Scan to Pay: history only, nothing to send to or save.
+            b.toAccountBar.visibility = View.GONE
+            b.saveContactBar.visibility = View.GONE
+            b.composer.visibility = View.GONE
+            b.tvCannotSend.visibility = View.GONE
+            b.btnPayAgain.visibility = View.VISIBLE
+            bindMerchantQr(t)
+            return
+        }
+        b.btnPayAgain.visibility = View.GONE
+        // One account: it's shown in the header. Several: this bar picks between them.
+        b.toAccountBar.visibility = if (to == null || t.accounts.size < 2) View.GONE else View.VISIBLE
+        if (to != null) {
+            b.tvToAccount.text = to.account
+            b.tvToCurrency.text = to.currency
+            b.tvToCurrency.visibility = if (to.currency.isBlank()) View.GONE else View.VISIBLE
+            val nickname = to.contact?.benefNickName?.takeIf { it.isNotBlank() && !it.equals(t.peerName, ignoreCase = true) }
+            b.tvToNickname.text = nickname
+            b.tvToNickname.visibility = if (nickname == null) View.GONE else View.VISIBLE
+            b.ivToSwitch.visibility = if (t.accounts.size > 1) View.VISIBLE else View.GONE
+        }
+
+        // Offer to save the selected account (or the person, when no account is known yet).
+        b.saveContactBar.visibility = if (to?.contact == null) View.VISIBLE else View.GONE
+
+        val canSend = to != null
+        b.composer.visibility = if (canSend) View.VISIBLE else View.GONE
+        b.tvCannotSend.visibility = if (canSend) View.GONE else View.VISIBLE
+
+        // Sending to a USD account: default to a USD source account, and likewise for MVR.
+        if (matchFromCurrency && to != null && to.currency.isNotBlank() &&
+            !selectedFrom?.currencyName.equals(to.currency, ignoreCase = true)) {
+            fromAccounts.firstOrNull { it.currencyName.equals(to.currency, ignoreCase = true) }?.let(::selectFrom)
+        }
+        updateCurrencyWarning()
+    }
+
+    private fun showRecipientPicker() {
+        val t = thread ?: return
+        if (t.accounts.size < 2) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_recipient_account)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (account in t.accounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            row.tvDropdownAccountName.text = account.contact?.benefNickName?.takeIf { it.isNotBlank() }
+                ?: getString(R.string.chat_not_in_contacts)
+            row.tvDropdownAccountNumber.text = account.account
+            row.tvDropdownBalance.text = account.currency
+            row.ivDropdownCardLogo.visibility = View.GONE
+            // A USD account can only be paid from a USD account.
+            val unavailable = account.currency.equals("USD", ignoreCase = true) && !hasUsdSource()
+            row.tvDropdownAccountType.text = getString(R.string.chat_needs_usd_source)
+            row.tvDropdownAccountType.visibility = if (unavailable) View.VISIBLE else View.GONE
+            row.root.alpha = if (unavailable) 0.4f else 1f
+            if (account.account == selectedTo?.account) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            if (!unavailable) row.root.setOnClickListener {
+                selectTo(account, matchFromCurrency = true)
+                updateToolbar()
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    private fun sheetTitle(text: String) = TextView(requireContext()).apply {
+        this.text = text
+        setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_TitleMedium)
+        val pad = (16 * resources.displayMetrics.density).toInt()
+        setPadding(pad, pad / 2, pad, pad / 2)
+    }
+
+    private fun bindFromAccounts() {
+        val b = _binding ?: return
+        if (fromAccounts.isEmpty()) return
+        // Default to the account last used with this person.
+        val lastUsed = thread?.messages?.lastOrNull { it.isSent }?.accountNumber
+        val current = selectedFrom?.takeIf { s -> fromAccounts.any { it.accountNumber == s.accountNumber } }
+        selectedFrom = current ?: fromAccounts.firstOrNull { it.accountNumber == lastUsed } ?: fromAccounts.first()
+
+        selectFrom(selectedFrom!!)
+    }
+
+    private fun onTransferDone() {
+        childFragmentManager.findFragmentByTag(TAG_HIDDEN_TRANSFER)?.let {
+            childFragmentManager.beginTransaction().remove(it).commitAllowingStateLoss()
+        }
+        binding.etAmount.text = null
+        binding.etNote.text = null
+        // The receipt shows the new bubble right away; history catches up a little later and
+        // replaces it with the bank's own entry.
+        sync()
+        viewLifecycleOwner.lifecycleScope.launch {
+            delay(HISTORY_CATCH_UP_MS)
+            sync()
+        }
+        // Only offer the receipt this payment made; QR payments don't save one.
+        val receipt = ReceiptStore.loadAll(requireContext()).firstOrNull()?.takeIf { it.savedAt >= payStartedAt }
+        val merchant = thread?.isMerchant == true
+        Snackbar.make(binding.root, if (merchant) R.string.chat_payment_sent else R.string.chat_transfer_sent, Snackbar.LENGTH_LONG)
+            .setAnchorView(if (binding.composer.visibility == View.VISIBLE) binding.composer else binding.btnPayAgain)
+            .apply { if (receipt != null) setAction(R.string.chat_view_receipt) { openReceipt(receipt.savedAt.toString()) } }
+            .show()
+    }
+
+    private fun openReceipt(receiptKey: String) {
+        val entry = ReceiptStore.loadAll(requireContext()).firstOrNull { it.savedAt.toString() == receiptKey }
+        if (entry == null) {
+            Snackbar.make(binding.root, R.string.chat_receipt_missing, Snackbar.LENGTH_SHORT).show()
+            return
+        }
+        (requireActivity() as HomeActivity).showWithBackStack(TransferReceiptFragment.newInstance(entry.data, null))
+    }
+
+    private fun sync() {
+        val ctx = requireContext().applicationContext
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.sync(ctx, app, accounts, contacts) }
+            if (_binding != null) loadThread()
+        }
+    }
+
+    private fun selectFrom(account: BankAccount) {
+        val b = _binding ?: return
+        selectedFrom = account
+        bindFromChip()
+        b.tilAmount.prefixText = account.currencyName
+        updateCurrencyWarning()
+    }
+
+    /** The chip shows the account (or, in a business chat, the card) paid from, with its balance. */
+    private fun bindFromChip() {
+        val b = _binding ?: return
+        val account = (if (thread?.isMerchant == true) selectedCard else selectedFrom) ?: return
+        val balance = AccountListParser.from(account)?.balance.orEmpty()
+        val hide = viewModel.hideAmounts.value ?: false
+        val money = when {
+            balance.isBlank() -> account.currencyName
+            hide -> AccountHistoryAdapter.maskAmount(balance)
+            else -> balance
+        }
+        b.btnFrom.text = getString(R.string.chat_from_chip, account.accountBriefName, account.accountNumber, money)
+        b.btnFrom.contentDescription = getString(R.string.chat_from_account) + ": " + b.btnFrom.text
+
+        // A card shows its network logo up front, in full colour; an account keeps the dropdown arrow.
+        val logo = if (thread?.isMerchant == true) sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(account) else null
+        val density = resources.displayMetrics.density
+        if (logo != null) {
+            b.btnFrom.setIconResource(logo)
+            b.btnFrom.iconTint = null
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_START
+            b.btnFrom.iconSize = (28 * density).toInt()
+        } else {
+            b.btnFrom.setIconResource(R.drawable.ic_arrow_right)
+            b.btnFrom.iconTint = android.content.res.ColorStateList.valueOf(
+                MaterialColors.getColor(b.btnFrom, com.google.android.material.R.attr.colorOnSecondaryContainer))
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_END
+            b.btnFrom.iconSize = (16 * density).toInt()
+        }
+    }
+
+    private fun showCardPicker() {
+        if (cardAccounts.isEmpty()) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_card)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (card in cardAccounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            bindAccountRow(row, card)
+            sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(card)?.let {
+                row.ivDropdownCardLogo.setImageResource(it)
+                row.ivDropdownCardLogo.visibility = View.VISIBLE
+            }
+            if (card.accountNumber == selectedCard?.accountNumber) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            row.root.setOnClickListener {
+                selectedCard = card
+                bindFromChip()
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    /**
+     * MVR can't be sent into a USD account: say so and disable Send. USD into an MVR account is
+     * converted by BML at its rate: allowed, with a warning.
+     */
+    private fun updateCurrencyWarning() {
+        val b = _binding ?: return
+        val from = selectedFrom?.currencyName.orEmpty()
+        val to = selectedTo?.currency.orEmpty()
+        val blocked = isBlockedPair(from, to)
+        val converts = from.equals("USD", ignoreCase = true) && to.equals("MVR", ignoreCase = true)
+        b.tvCurrencyWarning.text = when {
+            blocked -> getString(R.string.chat_currency_blocked)
+            converts -> getString(R.string.chat_currency_warning)
+            else -> null
+        }
+        b.tvCurrencyWarning.visibility = if (blocked || converts) View.VISIBLE else View.GONE
+        b.btnSend.isEnabled = !blocked
+    }
+
+    /** MVR → USD account: BML doesn't allow it. */
+    private fun isBlockedPair(fromCurrency: String, toCurrency: String) =
+        fromCurrency.equals("MVR", ignoreCase = true) && toCurrency.equals("USD", ignoreCase = true)
+
+    private fun hasUsdSource() = fromAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+
+    /** Looks up a saved static QR for this business: with one, the button pays it directly. */
+    private fun bindMerchantQr(t: ChatThread) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            val qr = withContext(Dispatchers.IO) { ChatStore.merchantQr(ctx, t.peerName) }
+            val b = _binding ?: return@launch
+            merchantQr = qr
+            b.btnPayAgain.text = if (qr != null) getString(R.string.chat_pay_business, t.peerName)
+                                 else getString(R.string.chat_pay_again)
+            // A saved QR is paid from a card picked here: show just the card chip above the button.
+            b.composer.visibility = if (qr != null && cardAccounts.isNotEmpty()) View.VISIBLE else View.GONE
+            b.amountRow.visibility = View.GONE
+            b.tvCurrencyWarning.visibility = View.GONE
+            if (qr != null && selectedCard == null) {
+                val lastCard = t.messages.lastOrNull { m -> cardAccounts.any { it.accountNumber == m.accountNumber } }?.accountNumber
+                val defaultCard = CredentialStore(requireContext()).getDefaultCardAccountNumber()
+                selectedCard = cardAccounts.firstOrNull { it.accountNumber == lastCard }
+                    ?: cardAccounts.firstOrNull { it.accountNumber == defaultCard }
+                    ?: cardAccounts.firstOrNull()
+            }
+            bindFromChip()
+        }
+    }
+
+    /** Saved static QR: pay it in the sheet over the chat. Otherwise: open the scanner. */
+    private fun payBusiness() {
+        val qr = merchantQr
+        if (qr == null) {
+            (requireActivity() as HomeActivity).showWithBackStack(TransferFragment.newInstanceWithAutoScan())
+            return
+        }
+        if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
+        val transfer = TransferFragment.newInstanceFromBmlQr(qr, selectedCard?.accountNumber, returnOnSuccess = true)
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+    }
+
+    /** This month with this person (sent / received / net) or at this business (spent / payments). */
+    private fun bindSummary(t: ChatThread) {
+        val b = _binding ?: return
+        val monthStart = java.util.Calendar.getInstance().apply {
+            set(java.util.Calendar.DAY_OF_MONTH, 1)
+            set(java.util.Calendar.HOUR_OF_DAY, 0); set(java.util.Calendar.MINUTE, 0)
+            set(java.util.Calendar.SECOND, 0); set(java.util.Calendar.MILLISECOND, 0)
+        }.timeInMillis
+        val thisMonth = t.messages.filter { it.timeMillis >= monthStart }
+        if (thisMonth.isEmpty()) { b.summaryCard.visibility = View.GONE; return }
+        // One currency per card: the selected account's, else the one used most this month.
+        val currency = selectedTo?.currency?.takeIf { c -> thisMonth.any { it.currency == c } }
+            ?: thisMonth.groupingBy { it.currency }.eachCount().maxByOrNull { it.value }!!.key
+        val ms = thisMonth.filter { it.currency == currency }
+        val hide = viewModel.hideAmounts.value ?: false
+        fun money(v: Double) = if (hide) "$currency ••••" else "$currency ${"%,.2f".format(v)}"
+        val month = java.text.SimpleDateFormat("MMMM", java.util.Locale.getDefault()).format(java.util.Date())
+
+        b.summaryCard.visibility = View.VISIBLE
+        val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+        if (t.isMerchant) {
+            b.tvSumLabel1.text = getString(R.string.chat_sum_spent, month)
+            b.tvSumValue1.text = money(sent)
+            b.sumColumn2.visibility = View.GONE
+            b.tvSumLabel3.text = getString(R.string.chat_sum_payments)
+            b.tvSumValue3.text = ms.size.toString()
+            return
+        }
+        val received = ms.filter { !it.isSent }.sumOf { it.amount }
+        val night = (resources.configuration.uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
+            android.content.res.Configuration.UI_MODE_NIGHT_YES
+        b.sumColumn2.visibility = View.VISIBLE
+        b.tvSumLabel1.text = getString(R.string.chat_sum_sent, month)
+        b.tvSumValue1.text = money(sent)
+        b.tvSumValue1.setTextColor(MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorError))
+        b.tvSumLabel2.text = getString(R.string.chat_sum_received)
+        b.tvSumValue2.text = money(received)
+        b.tvSumValue2.setTextColor(android.graphics.Color.parseColor(if (night) "#81C784" else "#2E7D32"))
+        b.tvSumLabel3.text = getString(R.string.chat_sum_net)
+        val net = received - sent
+        b.tvSumValue3.text = if (hide) "••••" else (if (net < 0) "−" else "+") + "%,.2f".format(kotlin.math.abs(net))
+    }
+
+    /** Long-press on a bubble: send the same again, open its receipt, or copy its reference. */
+    private fun showMessageMenu(m: sh.sar.basedbank.util.ChatMessage, anchor: View) {
+        val t = thread ?: return
+        val menu = android.widget.PopupMenu(requireContext(), anchor, android.view.Gravity.END)
+        val amount = "%.2f".format(kotlin.math.abs(m.amount))
+        val canSendAgain = m.isSent && !t.isMerchant && selectedTo != null
+        if (canSendAgain) menu.menu.add(0, 1, 0, getString(R.string.chat_send_again, "${m.currency} $amount"))
+        if (m.receiptKey.isNotBlank()) menu.menu.add(0, 2, 1, R.string.chat_view_receipt_full)
+        if (m.reference.isNotBlank()) menu.menu.add(0, 3, 2, R.string.chat_copy_reference)
+        if (menu.menu.size() == 0) return
+        menu.setOnMenuItemClickListener { item ->
+            when (item.itemId) {
+                1 -> {
+                    // Same account it went to, when that account is still one of theirs.
+                    t.accounts.firstOrNull { it.account == m.peerAccount }?.let { selectTo(it, matchFromCurrency = true) }
+                    binding.etAmount.setText(amount)
+                    binding.etNote.setText(m.note)
+                    send()
+                }
+                2 -> openReceipt(m.receiptKey)
+                3 -> {
+                    val clipboard = requireContext().getSystemService(android.content.ClipboardManager::class.java)
+                    clipboard.setPrimaryClip(android.content.ClipData.newPlainText("reference", m.reference))
+                    Snackbar.make(binding.root, R.string.chat_reference_copied, Snackbar.LENGTH_SHORT).show()
+                }
+            }
+            true
+        }
+        menu.show()
+    }
+
+    /** Fills an account row: name, full account number, balance (masked when amounts are hidden). */
+    private fun bindAccountRow(row: ItemAccountDropdownBinding, account: BankAccount) {
+        val display = AccountListParser.from(account)
+        row.tvDropdownAccountName.text = account.accountBriefName
+        row.tvDropdownAccountNumber.text = account.accountNumber
+        val balance = display?.balance.orEmpty()
+        val hide = viewModel.hideAmounts.value ?: false
+        row.tvDropdownBalance.text = if (hide && balance.isNotBlank()) AccountHistoryAdapter.maskAmount(balance) else balance
+        val type = display?.typeLabel.orEmpty()
+        row.tvDropdownAccountType.text = type
+        row.tvDropdownAccountType.visibility = if (type.isBlank()) View.GONE else View.VISIBLE
+        row.ivDropdownCardLogo.visibility = View.GONE
+    }
+
+    private fun showAccountPicker() {
+        if (fromAccounts.isEmpty()) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_account)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (account in fromAccounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            bindAccountRow(row, account)
+            // MVR can't go into a USD account: show those accounts, but not selectable.
+            val blocked = isBlockedPair(account.currencyName, selectedTo?.currency.orEmpty())
+            if (blocked) {
+                row.tvDropdownAccountType.text = getString(R.string.chat_cant_send_mvr_to_usd)
+                row.tvDropdownAccountType.visibility = View.VISIBLE
+                row.root.alpha = 0.4f
+            }
+            if (account.accountNumber == selectedFrom?.accountNumber) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            if (!blocked) row.root.setOnClickListener {
+                selectFrom(account)
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    private fun send() {
+        val t = thread ?: return
+        val from = selectedFrom ?: return
+        val to = selectedTo ?: return
+        if (isBlockedPair(from.currencyName, to.currency)) return
+        val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull()
+        if (amount == null || amount <= 0.0) {
+            binding.tilAmount.error = getString(R.string.chat_amount_invalid)
+            return
+        }
+        binding.tilAmount.error = null
+        val transfer = TransferFragment.newInstanceFromQr(
+            accountNumber     = to.account,
+            displayName       = to.contact?.benefNickName?.takeIf { it.isNotBlank() } ?: t.peerName,
+            amount            = "%.2f".format(amount),
+            remarks           = binding.etNote.text?.toString()?.trim()?.takeIf { it.isNotBlank() },
+            fromAccountNumber = from.accountNumber,
+            returnOnSuccess   = true,
+            autoConfirm       = true
+        )
+        if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        if (isBusinessProfile(from)) {
+            // Business profiles confirm with an OTP typed into the Transfer page: show it in a sheet.
+            TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+        } else {
+            // Personal profiles confirm automatically: run the Transfer page hidden, so only its
+            // confirm dialog appears over the chat. A new send replaces any earlier one.
+            childFragmentManager.beginTransaction()
+                .replace(R.id.hiddenTransferHost, transfer, TAG_HIDDEN_TRANSFER)
+                .commit()
+        }
+    }
+
+    /** Same rule as the Transfer page: the account's BML login profile is a business one. */
+    private fun isBusinessProfile(account: BankAccount): Boolean {
+        val profiles = app.bmlProfilesMap[account.loginTag.removePrefix("bml_")] ?: return false
+        return profiles.firstOrNull { it.profileId == account.profileId }?.profileType == "business"
+    }
+
+    /** Closes the composer's keyboard so the transfer sheet doesn't open pushed up by it. */
+    private fun hideKeyboard() {
+        val b = _binding ?: return
+        val focused = b.root.findFocus() ?: return
+        requireContext().getSystemService(android.view.inputmethod.InputMethodManager::class.java)
+            ?.hideSoftInputFromWindow(focused.windowToken, 0)
+        focused.clearFocus()
+    }
+
+    /** Shows the photo, contact name and real name in the toolbar; tapping it opens the contact. */
+    private fun updateToolbar() {
+        val t = thread ?: return
+        val bar = (activity as? AppCompatActivity)?.supportActionBar ?: return
+        val h = header ?: ViewChatHeaderBinding.inflate(layoutInflater).also { h ->
+            header = h
+            h.root.setOnClickListener { openContact() }
+        }
+        h.tvHeaderName.text = t.peerName
+        // Real name (when titled with a nickname), plus the account and currency when there's only one.
+        val subtitle = if (t.isMerchant) getString(R.string.chat_merchant_subtitle) else listOfNotNull(
+            t.realName.takeIf { it.isNotBlank() && !it.equals(t.peerName, ignoreCase = true) },
+            selectedTo?.takeIf { t.accounts.size == 1 }?.account,
+            selectedTo?.takeIf { t.accounts.size == 1 }?.currency?.takeIf { it.isNotBlank() }
+        ).joinToString(" · ")
+        h.tvHeaderAccount.text = subtitle
+        h.tvHeaderAccount.visibility = if (subtitle.isBlank()) View.GONE else View.VISIBLE
+        val sizePx = (40 * resources.displayMetrics.density).toInt()
+        if (t.isMerchant) {
+            h.ivHeaderAvatar.shapeAppearanceModel = com.google.android.material.shape.ShapeAppearanceModel.builder()
+                .setAllCornerSizes(10 * resources.displayMetrics.density).build()
+            h.ivHeaderAvatar.setImageBitmap(ChatsAdapter.shopBitmap(h.root, ChatsAdapter.merchantColor(t.peerKey), sizePx))
+        } else {
+            val photo = t.contact?.customerImgHash?.let { ContactImageCache.load(requireContext(), it) }
+            h.ivHeaderAvatar.setImageBitmap(photo ?: contactInitialsBitmap(t.peerName, ChatsAdapter.avatarColor(t.peerKey), sizePx))
+        }
+
+        requireActivity().title = t.peerName
+        bar.setDisplayShowTitleEnabled(false)
+        bar.setDisplayShowCustomEnabled(true)
+        bar.customView = h.root
+    }
+
+    private fun openContact() {
+        val t = thread ?: return
+        if (t.isMerchant) return
+        val display = (selectedTo?.contact ?: t.contact)?.let { ContactListParser.from(it) }
+        if (display != null) {
+            if (childFragmentManager.findFragmentByTag("contact_details") != null) return
+            ContactDetailsSheetFragment.newInstance(display).show(childFragmentManager, "contact_details")
+        } else {
+            // Not a saved contact yet: offer to save them, prefilled with what we know.
+            if (childFragmentManager.findFragmentByTag("add_contact") != null) return
+            AddContactSheetFragment.newInstance(
+                bmlProfileId  = selectedFrom?.profileId?.takeIf { it.isNotBlank() },
+                accountNumber = selectedTo?.account,
+                recipientName = t.realName.ifBlank { t.peerName },
+                currency      = selectedTo?.currency?.takeIf { it.isNotBlank() } ?: selectedFrom?.currencyName
+            ).show(childFragmentManager, "add_contact")
+        }
+    }
+
+    override fun openTransfer(contact: ContactDisplay) {
+        val fragment = TransferFragment.newInstance(
+            accountNumber = contact.accountNumber,
+            displayName   = contact.name,
+            subtitle      = contact.transferSubtitle,
+            colorHex      = contact.bankColor,
+            imageHash     = contact.imageHash
+        )
+        (requireActivity() as HomeActivity).showWithBackStack(fragment)
+    }
+
+    /** Deleting lives on the Contacts page, which also keeps its caches in sync. */
+    override fun confirmDelete(contact: ContactDisplay) {
+        (requireActivity() as HomeActivity).showWithBackStack(ContactsFragment())
+    }
+
+    override fun onResume() {
+        super.onResume()
+        updateToolbar()
+    }
+
+    override fun onPause() {
+        super.onPause()
+        (activity as? AppCompatActivity)?.supportActionBar?.apply {
+            setDisplayShowCustomEnabled(false)
+            setDisplayShowTitleEnabled(true)
+            customView = null
+        }
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        header = null
+        _binding = null
+    }
+
+    companion object {
+        private const val ARG_PEER_KEY = "peer_key"
+        private const val HISTORY_CATCH_UP_MS = 10_000L
+        private const val TAG_HIDDEN_TRANSFER = "transfer_hidden"
+        private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
+        private val CARD_TYPES = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT")
+
+        fun newInstance(peerKey: String) = ChatFragment().apply {
+            arguments = Bundle().apply { putString(ARG_PEER_KEY, peerKey) }
+        }
+    }
+}

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

@@ -0,0 +1,205 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.res.Configuration
+import android.graphics.Color
+import android.graphics.Typeface
+import android.text.SpannableStringBuilder
+import android.text.Spanned
+import android.text.format.DateUtils
+import android.text.style.StyleSpan
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.LinearLayout
+import androidx.core.graphics.ColorUtils
+import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.shape.ShapeAppearanceModel
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.ItemChatBubbleBinding
+import sh.sar.basedbank.databinding.ItemChatDateBinding
+import sh.sar.basedbank.util.ChatMessage
+
+/**
+ * One chat's transfers or payments as compact bubbles — sent / paid on the right, received on the
+ * left — with ✓ (seen in a BML alert) or ✓✓ (booked in history). Day separators carry the day's
+ * totals.
+ */
+class ChatMessagesAdapter(
+    private val onReceiptClick: (ChatMessage) -> Unit,
+    private val onLongPress: (ChatMessage, View) -> Unit
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    /** Rows of the list: a day separator or a bubble. */
+    sealed class Item {
+        data class DateChip(val day: String, val messages: List<ChatMessage>) : Item()
+        data class Bubble(val message: ChatMessage) : Item()
+    }
+
+    private val items = mutableListOf<Item>()
+    private var hideAmounts = false
+    private var todayLabel = ""
+    private var yesterdayLabel = ""
+
+    /** When the person has several accounts, sent bubbles say which one the money went to. */
+    var showDestination = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
+    /** [messages] must be oldest first. */
+    fun setMessages(messages: List<ChatMessage>, todayLabel: String, yesterdayLabel: String) {
+        this.todayLabel = todayLabel
+        this.yesterdayLabel = yesterdayLabel
+        items.clear()
+        messages.groupBy { it.date.take(10) }.forEach { (day, dayMessages) ->
+            items.add(Item.DateChip(day, dayMessages))
+            dayMessages.forEach { items.add(Item.Bubble(it)) }
+        }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemCount() = items.size
+
+    override fun getItemViewType(position: Int) = when (items[position]) {
+        is Item.DateChip -> TYPE_DATE
+        is Item.Bubble -> TYPE_BUBBLE
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return if (viewType == TYPE_DATE) DateVH(ItemChatDateBinding.inflate(inflater, parent, false))
+               else BubbleVH(ItemChatBubbleBinding.inflate(inflater, parent, false))
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        when (val item = items[position]) {
+            is Item.DateChip -> (holder as DateVH).bind(item)
+            is Item.Bubble -> (holder as BubbleVH).bind(item.message)
+        }
+    }
+
+    private fun formatAmount(m: ChatMessage) =
+        if (hideAmounts) "${m.currency} ••••••" else "${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}"
+
+    private fun isNight(view: View) =
+        (view.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+
+    private fun ticksFor(m: ChatMessage) = if (m.isBooked) "✓✓" else "✓"
+
+    private fun tickColor(view: View, m: ChatMessage, fallback: Int) =
+        if (m.isBooked) Color.parseColor(if (isNight(view)) "#90CAF9" else "#1565C0") else fallback
+
+    inner class DateVH(private val b: ItemChatDateBinding) : RecyclerView.ViewHolder(b.root) {
+        fun bind(item: Item.DateChip) {
+            val first = item.messages.first()
+            val label = when {
+                DateUtils.isToday(first.timeMillis) -> todayLabel
+                DateUtils.isToday(first.timeMillis + DateUtils.DAY_IN_MILLIS) -> yesterdayLabel
+                else -> AccountHistoryAdapter.formatDateHeader(first.date)
+            }
+            val text = SpannableStringBuilder(label)
+            text.setSpan(StyleSpan(Typeface.BOLD), 0, label.length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+            if (!hideAmounts) {
+                // Day totals per currency: ↑ sent, ↓ received.
+                val parts = item.messages.groupBy { it.currency }.map { (ccy, ms) ->
+                    val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+                    val received = ms.filter { !it.isSent }.sumOf { it.amount }
+                    listOfNotNull(
+                        "↑ %.2f".format(sent).takeIf { sent > 0 },
+                        "↓ %.2f".format(received).takeIf { received > 0 }
+                    ).joinToString(" · ").let { if (item.messages.map { m -> m.currency }.toSet().size > 1) "$ccy $it" else it }
+                }.filter { it.isNotBlank() }
+                if (parts.isNotEmpty()) text.append("   ").append(parts.joinToString("   "))
+            }
+            b.tvDate.text = text
+        }
+    }
+
+    inner class BubbleVH(private val b: ItemChatBubbleBinding) : RecyclerView.ViewHolder(b.root) {
+        fun bind(m: ChatMessage) {
+            val ctx = b.root.context
+            val sent = m.isSent
+            val night = isNight(b.root)
+            val density = ctx.resources.displayMetrics.density
+
+            b.bubbleRow.gravity = if (sent) Gravity.END else Gravity.START
+            (b.cardBubble.layoutParams as LinearLayout.LayoutParams).gravity = if (sent) Gravity.END else Gravity.START
+
+            // Rounded, with a small "tail" corner on the sender's side at the bottom.
+            val rtl = b.root.layoutDirection == View.LAYOUT_DIRECTION_RTL
+            val big = 18 * density
+            val tail = 4 * density
+            val tailOnRight = sent != rtl
+            b.cardBubble.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                .setTopLeftCornerSize(big).setTopRightCornerSize(big)
+                .setBottomLeftCornerSize(if (tailOnRight) big else tail)
+                .setBottomRightCornerSize(if (tailOnRight) tail else big)
+                .build()
+
+            // Sent: tinted. Received: neutral with an outline, so the two read apart on any theme.
+            val bg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorErrorContainer)
+                     else Color.parseColor(if (night) "#2A2C2E" else "#FFFFFF")
+            val fg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnErrorContainer)
+                     else MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnSurface)
+            val green = Color.parseColor(if (night) "#81C784" else "#2E7D32")
+            b.cardBubble.setCardBackgroundColor(bg)
+            b.cardBubble.strokeWidth = if (sent) 0 else density.toInt()
+            b.cardBubble.strokeColor = MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOutlineVariant)
+
+            b.tvAmount.text = if (sent) formatAmount(m) else "+ ${formatAmount(m)}"
+            b.tvAmount.setTextColor(if (sent) fg else green)
+            b.tvNote.text = m.note
+            b.tvNote.setTextColor(fg)
+            b.tvNote.visibility = if (m.note.isBlank()) View.GONE else View.VISIBLE
+
+            b.btnReceipt.visibility = if (m.receiptKey.isNotBlank()) View.VISIBLE else View.GONE
+            b.btnReceipt.setColorFilter(fg)
+            b.btnReceipt.setOnClickListener { onReceiptClick(m) }
+
+            b.tvAccount.text = when {
+                !sent -> ctx.getString(R.string.chat_into_short, m.accountDisplayName)
+                showDestination && m.peerAccount.isNotBlank() ->
+                    ctx.getString(R.string.chat_account_to, m.accountDisplayName, m.peerAccount)
+                else -> m.accountDisplayName
+            }
+            b.tvAccount.setTextColor(fg)
+            b.tvTime.text = AccountHistoryAdapter.formatTime(m.date)
+            b.tvTime.setTextColor(fg)
+            b.tvTicks.text = ticksFor(m)
+            b.tvTicks.setTextColor(tickColor(b.root, m, ColorUtils.setAlphaComponent(fg, 0xB3)))
+            b.tvTicks.contentDescription = ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)
+
+            b.cardBubble.setOnClickListener { showDetail(b.root, m) }
+            b.cardBubble.setOnLongClickListener { onLongPress(m, b.cardBubble); true }
+        }
+    }
+
+    private fun showDetail(anchor: View, m: ChatMessage) {
+        val ctx = anchor.context
+        val details = buildString {
+            val sign = if (m.isSent) "-" else "+"
+            append("Amount\n$sign ${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}\n\n")
+            append("Date\n${AccountHistoryAdapter.formatFullDate(m.date)}\n\n")
+            if (m.note.isNotBlank()) append("Remarks\n${m.note}\n\n")
+            if (m.reference.isNotBlank()) append("Reference\n${m.reference}\n\n")
+            append("Account\n${m.accountDisplayName}\n\n")
+            append("Status\n${ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)}")
+        }
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(m.peerName)
+            .setMessage(details)
+            .setPositiveButton("OK", null)
+            .show()
+    }
+
+    companion object {
+        private const val TYPE_DATE = 0
+        private const val TYPE_BUBBLE = 1
+    }
+}

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

@@ -0,0 +1,172 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.res.Configuration
+import android.graphics.Bitmap
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
+import android.graphics.RectF
+import android.text.format.DateUtils
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.content.ContextCompat
+import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.shape.ShapeAppearanceModel
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.ItemChatBinding
+import sh.sar.basedbank.util.ChatThread
+import sh.sar.basedbank.util.ContactImageCache
+
+/**
+ * Telegram-style chat list: one row per person or business, latest transfer as the preview.
+ * Pinned chats come first; long-press selects a chat (for pinning).
+ */
+class ChatsAdapter(
+    private val onChatClick: (ChatThread) -> Unit,
+    private val onChatLongPress: (ChatThread) -> Unit
+) : RecyclerView.Adapter<ChatsAdapter.ViewHolder>() {
+
+    private var allThreads: List<ChatThread> = emptyList()
+    private var displayed: List<ChatThread> = emptyList()
+    private var pinned: List<String> = emptyList()
+    private var searchQuery = ""
+    private var hideAmounts = false
+
+    /** Chat key shown as selected (long-pressed), or null. */
+    var selectedKey: String? = null
+        set(value) { field = value; notifyDataSetChanged() }
+
+    fun updateThreads(threads: List<ChatThread>, pinnedKeys: List<String>) {
+        allThreads = threads
+        pinned = pinnedKeys
+        applyFilter()
+    }
+
+    fun setSearch(query: String) {
+        searchQuery = query
+        applyFilter()
+    }
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
+    fun isPinned(key: String) = key in pinned
+
+    val isEmpty get() = displayed.isEmpty()
+
+    private fun applyFilter() {
+        val matching = if (searchQuery.isBlank()) allThreads else allThreads.filter {
+            it.peerName.contains(searchQuery, ignoreCase = true) ||
+                it.realName.contains(searchQuery, ignoreCase = true) ||
+                it.peerAccount.contains(searchQuery) ||
+                it.messages.any { m -> m.note.contains(searchQuery, ignoreCase = true) }
+        }
+        // Pinned first, most recently pinned on top; the rest stay newest first.
+        val (pinnedThreads, others) = matching.partition { it.peerKey in pinned }
+        displayed = pinnedThreads.sortedBy { pinned.indexOf(it.peerKey) } + others
+        notifyDataSetChanged()
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
+        val holder = ViewHolder(ItemChatBinding.inflate(LayoutInflater.from(parent.context), parent, false))
+        holder.binding.root.setOnClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onChatClick(displayed[pos])
+        }
+        holder.binding.root.setOnLongClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onChatLongPress(displayed[pos])
+            pos != RecyclerView.NO_POSITION
+        }
+        return holder
+    }
+
+    override fun onBindViewHolder(holder: ViewHolder, position: Int) = holder.bind(displayed[position])
+
+    override fun getItemCount() = displayed.size
+
+    inner class ViewHolder(val binding: ItemChatBinding) : RecyclerView.ViewHolder(binding.root) {
+        fun bind(thread: ChatThread) {
+            val ctx = binding.root.context
+            val night = (ctx.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+            val last = thread.last
+            binding.tvName.text = thread.peerName
+
+            val amount = if (hideAmounts) "${last.currency} ••••••"
+                         else "${last.currency} ${"%.2f".format(kotlin.math.abs(last.amount))}"
+            val ticks = if (last.isBooked) " ✓✓" else " ✓"
+            binding.tvPreview.text = when {
+                last.merchant -> ctx.getString(R.string.chat_preview_paid, amount) + ticks
+                last.isSent -> {
+                    val note = last.note.takeIf { it.isNotBlank() }?.let { " · $it" }.orEmpty()
+                    ctx.getString(R.string.chat_preview_sent, amount) + note + ticks
+                }
+                else -> ctx.getString(R.string.chat_preview_received, amount)
+            }
+            binding.tvPreview.setTextColor(
+                if (!last.isSent) Color.parseColor(if (night) "#81C784" else "#2E7D32")
+                else MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorOnSurfaceVariant)
+            )
+
+            binding.tvTime.text = if (DateUtils.isToday(last.timeMillis)) AccountHistoryAdapter.formatTime(last.date)
+                                  else AccountHistoryAdapter.formatDateOnly(last.date)
+
+            val sizePx = (52 * ctx.resources.displayMetrics.density).toInt()
+            if (thread.isMerchant) {
+                // Businesses get a rounded-square shop icon; people keep round initials or a photo.
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                    .setAllCornerSizes(14 * ctx.resources.displayMetrics.density).build()
+                binding.ivAvatar.setImageBitmap(shopBitmap(binding.root, merchantColor(thread.peerKey), sizePx))
+            } else {
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder().setAllCornerSizes(sizePx / 2f).build()
+                val photo = thread.contact?.customerImgHash?.let { ContactImageCache.load(ctx, it) }
+                binding.ivAvatar.setImageBitmap(photo ?: contactInitialsBitmap(thread.peerName, avatarColor(thread.peerKey), sizePx))
+            }
+
+            val isPinned = thread.peerKey in pinned
+            binding.ivPin.visibility = if (isPinned) View.VISIBLE else View.GONE
+            // Selected (long-pressed): tinted; pinned: a soft surface; otherwise the normal ripple.
+            when {
+                thread.peerKey == selectedKey -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorErrorContainer))
+                isPinned -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorSurfaceContainerHigh))
+                else -> binding.root.setBackgroundResource(selectableBackground(binding.root))
+            }
+        }
+    }
+
+    private fun selectableBackground(view: View): Int {
+        val out = android.util.TypedValue()
+        view.context.theme.resolveAttribute(android.R.attr.selectableItemBackground, out, true)
+        return out.resourceId
+    }
+
+    companion object {
+        private val AVATAR_COLORS = listOf("#E8B04B", "#5C9CE6", "#E57373", "#66BB6A", "#9575CD", "#4DB6AC", "#F06292", "#FF8A65")
+        private val MERCHANT_COLORS = listOf("#6D4C41", "#546E7A", "#5D4037", "#455A64", "#8D6E63", "#37474F")
+
+        /** Stable per-person avatar colour, so a chat keeps its colour between visits. */
+        fun avatarColor(peerKey: String) = AVATAR_COLORS[(peerKey.hashCode() and 0x7fffffff) % AVATAR_COLORS.size]
+
+        fun merchantColor(peerKey: String) = MERCHANT_COLORS[(peerKey.hashCode() and 0x7fffffff) % MERCHANT_COLORS.size]
+
+        /** Shop icon on a coloured square; the image view's shape rounds the corners. */
+        fun shopBitmap(view: View, colorHex: String, sizePx: Int): Bitmap {
+            val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+            val canvas = Canvas(bm)
+            canvas.drawRect(RectF(0f, 0f, sizePx.toFloat(), sizePx.toFloat()),
+                Paint(Paint.ANTI_ALIAS_FLAG).apply { color = Color.parseColor(colorHex) })
+            val icon = ContextCompat.getDrawable(view.context, R.drawable.ic_store)?.mutate() ?: return bm
+            val inset = sizePx / 4
+            icon.setBounds(inset, inset, sizePx - inset, sizePx - inset)
+            icon.draw(canvas)
+            return bm
+        }
+    }
+}

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

@@ -0,0 +1,261 @@
+package sh.sar.basedbank.ui.home
+
+import android.app.Activity
+import android.content.Intent
+import android.os.Bundle
+import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
+import android.view.LayoutInflater
+import android.view.Menu
+import android.view.MenuInflater
+import android.view.MenuItem
+import android.view.View
+import android.view.ViewGroup
+import androidx.appcompat.app.AppCompatActivity
+import androidx.appcompat.view.ActionMode
+import androidx.core.view.MenuProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.Lifecycle
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.snackbar.Snackbar
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentChatsBinding
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.ChatStore
+import sh.sar.basedbank.util.ChatThread
+import java.text.DateFormat
+import java.util.Date
+
+/**
+ * Transfers grouped by person or business, shown as a chat list. Contacts is reachable from the
+ * toolbar; long-press a chat to pin it to the top.
+ */
+class ChatsFragment : Fragment() {
+
+    private var _binding: FragmentChatsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+    private val app get() = requireActivity().application as BasedBankApp
+
+    private lateinit var adapter: ChatsAdapter
+
+    private val scanLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        onQrScanned(raw)
+    }
+    private var actionMode: ActionMode? = null
+    private var syncedThisView = false
+    private var syncedWithContacts = false
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentChatsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        adapter = ChatsAdapter(
+            onChatClick = { thread ->
+                if (actionMode != null) actionMode?.finish()
+                else (requireActivity() as HomeActivity).showWithBackStack(ChatFragment.newInstance(thread.peerKey))
+            },
+            onChatLongPress = { thread -> startSelection(thread) }
+        )
+        binding.rvChats.layoutManager = LinearLayoutManager(requireContext())
+        binding.rvChats.adapter = adapter
+
+        binding.etSearch.addTextChangedListener { text ->
+            adapter.setSearch(text?.toString() ?: "")
+            updateEmptyView()
+        }
+
+        binding.swipeRefresh.setOnRefreshListener { sync() }
+
+        // Scan to Pay: opens the QR scanner; after paying it comes back here and refreshes.
+        binding.fabScanPay.setOnClickListener {
+            scanLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
+        parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
+            sync()
+            // BML's alert often lands a few seconds after the payment: check again shortly.
+            viewLifecycleOwner.lifecycleScope.launch {
+                delay(RECHECK_AFTER_PAYMENT_MS)
+                if (_binding != null) sync()
+            }
+        }
+        // Keep the button above the system navigation bar when there's no bottom bar.
+        val fabMargin = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.fabScanPay) { v, insets ->
+            val bottomNav = NavCustomization.getNavMode(
+                requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE)
+            ) == NavCustomization.NAV_MODE_BOTTOM
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            (v.layoutParams as android.widget.FrameLayout.LayoutParams).bottomMargin =
+                fabMargin + if (bottomNav) 0 else navBar
+            v.requestLayout()
+            insets
+        }
+
+        requireActivity().addMenuProvider(object : MenuProvider {
+            override fun onCreateMenu(menu: Menu, menuInflater: MenuInflater) {
+                menu.add(Menu.NONE, R.id.action_open_contacts, 0, R.string.nav_contacts)
+                    .setIcon(R.drawable.ic_contacts)
+                    .setShowAsAction(MenuItem.SHOW_AS_ACTION_ALWAYS)
+            }
+
+            override fun onMenuItemSelected(menuItem: MenuItem): Boolean {
+                if (menuItem.itemId != R.id.action_open_contacts) return false
+                (requireActivity() as HomeActivity).showWithBackStack(ContactsFragment())
+                return true
+            }
+        }, viewLifecycleOwner, Lifecycle.State.RESUMED)
+
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+
+        // Contacts give chats a saved name and an account number to send to.
+        (activity as? HomeActivity)?.loadAllContacts()
+        viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
+            loadThreads()
+            // Contacts usually load after the first sync; sync again so their real names get looked up.
+            if (syncedThisView && !syncedWithContacts && contacts.isNotEmpty()) sync()
+        }
+
+        // Accounts arrive after login; sync once they are available.
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            if (!syncedThisView && accounts.any { it.bank == "BML" }) sync()
+        }
+
+        loadThreads()
+    }
+
+    private fun sync() {
+        syncedThisView = true
+        binding.swipeRefresh.isRefreshing = true
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        if (contacts.isNotEmpty()) syncedWithContacts = true
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.sync(ctx, app, accounts, contacts) }
+            _binding?.swipeRefresh?.isRefreshing = false
+            loadThreads()
+        }
+    }
+
+    private fun loadThreads() {
+        val ctx = requireContext().applicationContext
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val (threads, pins) = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) to ChatStore.pins(ctx) }
+            if (_binding == null) return@launch
+            adapter.updateThreads(threads, pins)
+            updateEmptyView()
+        }
+    }
+
+    /**
+     * A scanned QR: BML Scan to Pay (static or card-machine) opens the payment, a PayMV QR opens a
+     * transfer. Either way, success comes back to this list, which then refreshes.
+     */
+    private fun onQrScanned(raw: String) {
+        val activity = requireActivity() as HomeActivity
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
+            activity.showWithBackStack(TransferFragment.newInstanceFromBmlQr(bmlTarget, null, returnOnSuccess = true))
+            return
+        }
+        val qr = PaymvQrParser.parse(raw)
+        val account = qr?.accountNumber
+        if (account == null) {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            return
+        }
+        activity.showWithBackStack(TransferFragment.newInstanceFromQr(
+            accountNumber   = account,
+            displayName     = qr.merchantName ?: account,
+            amount          = qr.amount,
+            remarks         = qr.purpose,
+            returnOnSuccess = true
+        ))
+    }
+
+    /** Long-press: select the chat and offer Pin / Unpin in the top bar. */
+    private fun startSelection(thread: ChatThread) {
+        adapter.selectedKey = thread.peerKey
+        val pinned = adapter.isPinned(thread.peerKey)
+        val callback = object : ActionMode.Callback {
+            override fun onCreateActionMode(mode: ActionMode, menu: Menu): Boolean {
+                mode.title = getString(R.string.chat_selected_one)
+                menu.add(Menu.NONE, R.id.action_pin_chat, 0, if (pinned) R.string.chat_unpin else R.string.chat_pin)
+                    .setIcon(R.drawable.ic_pin)
+                    .setShowAsAction(MenuItem.SHOW_AS_ACTION_ALWAYS or MenuItem.SHOW_AS_ACTION_WITH_TEXT)
+                return true
+            }
+            override fun onPrepareActionMode(mode: ActionMode, menu: Menu) = false
+            override fun onActionItemClicked(mode: ActionMode, item: MenuItem): Boolean {
+                if (item.itemId != R.id.action_pin_chat) return false
+                setPinned(thread, !pinned, offerUndo = true)
+                mode.finish()
+                return true
+            }
+            override fun onDestroyActionMode(mode: ActionMode) {
+                actionMode = null
+                adapter.selectedKey = null
+            }
+        }
+        actionMode?.finish()
+        actionMode = (requireActivity() as AppCompatActivity).startSupportActionMode(callback)
+    }
+
+    private fun setPinned(thread: ChatThread, pin: Boolean, offerUndo: Boolean) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.setPinned(ctx, thread.peerKey, pin) }
+            loadThreads()
+            val b = _binding ?: return@launch
+            if (!offerUndo) return@launch
+            Snackbar.make(b.root, getString(if (pin) R.string.chat_pinned_msg else R.string.chat_unpinned_msg, thread.peerName), Snackbar.LENGTH_LONG)
+                .setAction(R.string.chat_undo) { setPinned(thread, !pin, offerUndo = false) }
+                .show()
+        }
+    }
+
+    private fun updateEmptyView() {
+        val b = _binding ?: return
+        b.emptyView.visibility = if (adapter.isEmpty) View.VISIBLE else View.GONE
+        if (!adapter.isEmpty) return
+        val since = ChatStore.sinceMillis(requireContext())
+        b.emptyView.text = when {
+            b.etSearch.text?.isNotBlank() == true -> getString(R.string.chats_no_results)
+            since > 0L -> getString(R.string.chats_empty_since,
+                DateFormat.getDateTimeInstance(DateFormat.MEDIUM, DateFormat.SHORT).format(Date(since)))
+            else -> getString(R.string.chats_empty)
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_chats)
+    }
+
+    override fun onDestroyView() {
+        actionMode?.finish()
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val RECHECK_AFTER_PAYMENT_MS = 10_000L
+    }
+}

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

@@ -0,0 +1,208 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.ClipData
+import android.content.ClipboardManager
+import android.content.Context
+import android.content.Intent
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.Toast
+import androidx.core.os.bundleOf
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.SheetContactDetailsBinding
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactListParser
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.TransferNetwork
+
+/** Contact details drawer shown when a contact is tapped in [ContactsFragment] or a chat header. */
+class ContactDetailsSheetFragment : BottomSheetDialogFragment() {
+
+    private var _binding: SheetContactDetailsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private val contactsFragment get() = parentFragment as? ContactSheetHost
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = SheetContactDetailsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val args = requireArguments()
+        val contactId = args.getString(ARG_CONTACT_ID)
+        val profileId = args.getString(ARG_PROFILE_ID)
+        viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
+            val contact = contacts.firstOrNull { it.benefNo == contactId && it.profileId == profileId }
+                ?.let { ContactListParser.from(it) }
+            if (contact == null) dismissAllowingStateLoss() else bind(contact)
+        }
+    }
+
+    private fun bind(contact: ContactDisplay) {
+        val sizePx = resources.getDimensionPixelSize(android.R.dimen.app_icon_size).coerceAtLeast(96) * 2
+        val photo = contact.imageHash?.let { ContactImageCache.load(requireContext(), it) }
+        binding.ivPhoto.setImageBitmap(photo ?: contactInitialsBitmap(contact.name, contact.bankColor, sizePx))
+
+        binding.tvName.text = contact.name
+
+        binding.actionTransfer.visibility = if (contact.canTransfer) View.VISIBLE else View.GONE
+        // QR stays visible for every contact; greyed out where PayMV QR isn't supported yet
+        val canQr = canShowPayMvQr(contact)
+        binding.btnQr.isEnabled = canQr
+        binding.tvQrLabel.alpha = if (canQr) 1f else 0.38f
+        binding.actionEdit.visibility = if (contact.canEdit) View.VISIBLE else View.GONE
+        binding.actionDelete.visibility = if (contact.canDelete) View.VISIBLE else View.GONE
+
+        binding.btnTransfer.setOnClickListener {
+            val parent = contactsFragment
+            dismiss()
+            parent?.openTransfer(contact)
+        }
+        binding.btnQr.setOnClickListener {
+            val activity = requireActivity() as HomeActivity
+            val bank = contactBank(contact) ?: return@setOnClickListener
+            val qrName = contact.realName.ifBlank { contact.name }
+            dismiss()
+            activity.showWithBackStack(PayMvQrFragment.forContact(contact.accountNumber, qrName, bank))
+        }
+        binding.btnEdit.setOnClickListener {
+            Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+        }
+        binding.btnDelete.setOnClickListener {
+            val parent = contactsFragment
+            dismiss()
+            parent?.confirmDelete(contact)
+        }
+
+        binding.tvAccount.text = contact.accountNumber
+        val copy = View.OnClickListener { copyAccount(contact.accountNumber) }
+        binding.rowAccount.setOnClickListener(copy)
+        binding.btnCopyAccount.setOnClickListener(copy)
+        binding.btnShareAccount.setOnClickListener {
+            shareAccount(contact.realName.ifBlank { contact.name }, contact.accountNumber)
+        }
+
+        val showRealName = contact.realName.isNotBlank() && contact.realName != contact.name
+        binding.tvRealName.text = contact.realName
+        binding.rowRealName.visibility = if (showRealName) View.VISIBLE else View.GONE
+
+        binding.tvCurrency.text = contact.currency ?: ""
+        binding.rowCurrency.visibility = if (contact.currency != null) View.VISIBLE else View.GONE
+
+        binding.tvBank.text = contact.bankName ?: ""
+        binding.rowBank.visibility = if (contact.bankName != null) View.VISIBLE else View.GONE
+        val bankLogo = bankLogoRes(contact)
+        if (bankLogo != null) {
+            binding.ivBankIcon.setImageResource(bankLogo)
+            binding.ivBankIcon.imageTintList = null
+        }
+
+        binding.sourceSection.visibility = View.GONE
+        viewLifecycleOwner.lifecycleScope.launch {
+            val appContext = requireContext().applicationContext
+            val source = withContext(Dispatchers.IO) { sourceProfile(appContext, contact) }
+            val b = _binding ?: return@launch
+            if (source == null) return@launch
+            b.ivSourceIcon.setImageResource(source.logoRes)
+            b.tvSource.text = source.name
+            b.tvSourceBank.setText(source.bankNameRes)
+            b.sourceSection.visibility = View.VISIBLE
+        }
+    }
+
+    /** Which bank the contact's account is at ("BML" / "MIB"); null when we can't tell. */
+    private fun contactBank(contact: ContactDisplay): String? = when {
+        contact.network == TransferNetwork.MIB             -> "MIB"
+        contact.accountNumber.matches(Regex("^7\\d{12}$")) -> "BML"
+        contact.accountNumber.matches(Regex("^9\\d{16}$")) -> "MIB"
+        else                                               -> null
+    }
+
+    /** Logo of the contact's bank; null when we have no logo for it (only MIB and BML for now). */
+    private fun bankLogoRes(contact: ContactDisplay): Int? = when (contactBank(contact)) {
+        "BML" -> R.drawable.bml_logo_vector
+        "MIB" -> R.drawable.mib_logo
+        else  -> null
+    }
+
+    /**
+     * PayMV QR is only offered for contacts whose account is at BML for now.
+     * TODO: enable for MIB and other banks once their PayMV QR payloads are verified —
+     *  PayMvQrFragment.forContact already takes the bank, so this check is the only gate.
+     */
+    private fun canShowPayMvQr(contact: ContactDisplay): Boolean =
+        contactBank(contact) == "BML" &&
+            contact.currency?.contains("USD", ignoreCase = true) != true // PayMV QR is MVR only
+
+    private data class SourceProfile(val logoRes: Int, val bankNameRes: Int, val name: String)
+
+    /** Which of the user's own bank profiles this contact is saved under. */
+    private fun sourceProfile(context: Context, contact: ContactDisplay): SourceProfile? {
+        val store = CredentialStore(context)
+        return when (contact.network) {
+            TransferNetwork.BML -> {
+                // BML contacts carry either the loginId or a BML profileId
+                val loginId = store.getBmlLoginIds().firstOrNull { loginId ->
+                    loginId == contact.profileId ||
+                        store.loadBmlProfiles(loginId).any { it.profileId == contact.profileId }
+                } ?: return null
+                val profile = store.loadBmlProfiles(loginId).firstOrNull { it.profileId == contact.profileId }
+                val fullName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+                val name = (if (profile != null && profile.profileType == "business") profile.name else fullName ?: profile?.name)
+                    ?: return null
+                SourceProfile(R.drawable.bml_logo_vector, R.string.bml_name, name)
+            }
+            TransferNetwork.FAHIPAY -> {
+                val name = store.getFahipayLoginIds().firstNotNullOfOrNull { loginId ->
+                    store.loadFahipayUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+                } ?: return null
+                SourceProfile(R.drawable.fahipay_logo, R.string.fahipay_name, name)
+            }
+            else -> {
+                val profile = store.getMibLoginIds().firstNotNullOfOrNull { loginId ->
+                    store.loadMibProfiles(loginId).firstOrNull { it.profileId == contact.profileId }
+                } ?: return null
+                SourceProfile(R.drawable.mib_logo, R.string.mib_name, profile.name)
+            }
+        }
+    }
+
+    private fun shareAccount(accountName: String, account: String) {
+        val intent = Intent(Intent.ACTION_SEND).apply {
+            type = "text/plain"
+            putExtra(Intent.EXTRA_TEXT, "$accountName\n$account")
+        }
+        startActivity(Intent.createChooser(intent, getString(R.string.contact_share_account)))
+    }
+
+    private fun copyAccount(account: String) {
+        val clipboard = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+        clipboard.setPrimaryClip(ClipData.newPlainText("account", account))
+        Toast.makeText(requireContext(), R.string.contact_account_copied, Toast.LENGTH_SHORT).show()
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val ARG_CONTACT_ID = "contact_id"
+        private const val ARG_PROFILE_ID = "profile_id"
+
+        fun newInstance(contact: ContactDisplay) = ContactDetailsSheetFragment().apply {
+            arguments = bundleOf(ARG_CONTACT_ID to contact.id, ARG_PROFILE_ID to contact.profileId)
+        }
+    }
+}

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

@@ -0,0 +1,9 @@
+package sh.sar.basedbank.ui.home
+
+import sh.sar.basedbank.util.ContactDisplay
+
+/** A screen that can show [ContactDetailsSheetFragment] and handle its Transfer/Delete buttons. */
+interface ContactSheetHost {
+    fun openTransfer(contact: ContactDisplay)
+    fun confirmDelete(contact: ContactDisplay)
+}

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

@@ -11,14 +11,13 @@ import android.view.LayoutInflater
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
-import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ItemContactBinding
 import sh.sar.basedbank.util.ContactDisplay
 
 class ContactsAdapter(
     private val imageCache: MutableMap<String, Bitmap>,
     private val onImageNeeded: (hash: String) -> Unit,
-    private val onDeleteClick: (ContactDisplay) -> Unit,
+    private val onContactClick: (ContactDisplay) -> Unit,
     private val onTransferClick: (ContactDisplay) -> Unit
 ) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
 
@@ -66,12 +65,9 @@ class ContactsAdapter(
             val pos = holder.bindingAdapterPosition
             if (pos != RecyclerView.NO_POSITION) onTransferClick(displayed[pos])
         }
-        binding.btnEditContact.setOnClickListener {
-            Toast.makeText(it.context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-        }
-        binding.btnDeleteContact.setOnClickListener {
+        binding.root.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onDeleteClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION) onContactClick(displayed[pos])
         }
         binding.root.setOnLongClickListener {
             val pos = holder.bindingAdapterPosition
@@ -107,37 +103,33 @@ class ContactsAdapter(
                 if (contact.detail != null) android.view.View.VISIBLE else android.view.View.GONE
             binding.btnTransferContact.visibility =
                 if (contact.canTransfer) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnEditContact.visibility =
-                if (contact.canEdit) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnDeleteContact.visibility =
-                if (contact.canDelete) android.view.View.VISIBLE else android.view.View.GONE
 
             if (photo != null) {
                 binding.ivContactPhoto.setImageBitmap(photo)
             } else {
+                val sizePx = binding.ivContactPhoto.context.resources
+                    .getDimensionPixelSize(android.R.dimen.app_icon_size)
+                    .coerceAtLeast(96)
                 binding.ivContactPhoto.setImageBitmap(
-                    makeInitialsBitmap(contact.name, contact.bankColor)
+                    contactInitialsBitmap(contact.name, contact.bankColor, sizePx)
                 )
             }
         }
-
-        private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {
-            val sizePx = binding.ivContactPhoto.context.resources
-                .getDimensionPixelSize(android.R.dimen.app_icon_size)
-                .coerceAtLeast(96)
-            val bgColor = try { Color.parseColor(colorHex) } catch (e: Exception) { Color.GRAY }
-            val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
-            val canvas = Canvas(bm)
-            val paint = Paint(Paint.ANTI_ALIAS_FLAG)
-            paint.color = bgColor
-            canvas.drawCircle(sizePx / 2f, sizePx / 2f, sizePx / 2f, paint)
-            paint.color = Color.WHITE
-            paint.textSize = sizePx * 0.42f
-            paint.textAlign = Paint.Align.CENTER
-            val letter = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
-            val metrics = paint.fontMetrics
-            canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
-            return bm
-        }
     }
 }
+
+internal fun contactInitialsBitmap(name: String, colorHex: String, sizePx: Int): Bitmap {
+    val bgColor = try { Color.parseColor(colorHex) } catch (e: Exception) { Color.GRAY }
+    val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+    val canvas = Canvas(bm)
+    val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+    paint.color = bgColor
+    canvas.drawCircle(sizePx / 2f, sizePx / 2f, sizePx / 2f, paint)
+    paint.color = Color.WHITE
+    paint.textSize = sizePx * 0.42f
+    paint.textAlign = Paint.Align.CENTER
+    val letter = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+    val metrics = paint.fontMetrics
+    canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
+    return bm
+}

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

@@ -2,13 +2,20 @@ package sh.sar.basedbank.ui.home
 
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
+import android.graphics.Typeface
+import android.text.SpannableStringBuilder
+import android.text.Spanned
+import android.text.style.ForegroundColorSpan
+import android.text.style.StyleSpan
 import android.os.Bundle
 import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
+import com.google.android.material.color.MaterialColors
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import androidx.core.content.ContextCompat
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.core.widget.addTextChangedListener
@@ -33,7 +40,7 @@ import sh.sar.basedbank.util.ContactManager
 import sh.sar.basedbank.util.ContactsCache
 import sh.sar.basedbank.util.TransferNetwork
 
-class ContactsFragment : Fragment() {
+class ContactsFragment : Fragment(), ContactSheetHost {
 
     private var _binding: FragmentContactsBinding? = null
     private val binding get() = _binding!!
@@ -59,7 +66,7 @@ class ContactsFragment : Fragment() {
             ContactsAdapter(
                 imageCache      = sharedImageCache,
                 onImageNeeded   = { hash -> fetchImage(hash) },
-                onDeleteClick   = { contact -> confirmDelete(contact) },
+                onContactClick  = { contact -> showDetails(contact) },
                 onTransferClick = { contact -> openTransfer(contact) }
             ).also { a ->
                 a.setFilter(page.categoryId, currentSearch)
@@ -170,7 +177,12 @@ class ContactsFragment : Fragment() {
         binding.viewPager.setCurrentItem(savedPosition.coerceIn(0, pages.size - 1), false)
     }
 
-    private fun openTransfer(contact: ContactDisplay) {
+    private fun showDetails(contact: ContactDisplay) {
+        if (childFragmentManager.findFragmentByTag("contact_details") != null) return
+        ContactDetailsSheetFragment.newInstance(contact).show(childFragmentManager, "contact_details")
+    }
+
+    override fun openTransfer(contact: ContactDisplay) {
         val fragment = TransferFragment.newInstance(
             accountNumber = contact.accountNumber,
             displayName   = contact.name,
@@ -181,10 +193,26 @@ class ContactsFragment : Fragment() {
         (requireActivity() as HomeActivity).showWithBackStack(fragment)
     }
 
-    private fun confirmDelete(contact: ContactDisplay) {
-        MaterialAlertDialogBuilder(requireContext())
+    override fun confirmDelete(contact: ContactDisplay) {
+        val ctx = requireContext()
+        val errorColor = MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorError)
+        val icon = ContextCompat.getDrawable(ctx, R.drawable.ic_delete)?.mutate()?.apply { setTint(errorColor) }
+
+        val prompt = getString(R.string.contact_delete_message, contact.name)
+        val message = SpannableStringBuilder(prompt).apply {
+            val start = prompt.indexOf(contact.name)
+            if (start >= 0) setSpan(StyleSpan(Typeface.BOLD), start, start + contact.name.length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+            append("\n").append(contact.accountNumber)
+            append("\n\n")
+            val warnStart = length
+            append(getString(R.string.contact_delete_warning))
+            setSpan(ForegroundColorSpan(errorColor), warnStart, length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+        }
+
+        MaterialAlertDialogBuilder(ctx, R.style.ThemeOverlay_BasedBank_DestructiveDialog)
+            .setIcon(icon)
             .setTitle(R.string.contact_delete_title)
-            .setMessage(getString(R.string.contact_delete_message, contact.name))
+            .setMessage(message)
             .setPositiveButton(R.string.contact_delete) { _, _ -> deleteContact(contact) }
             .setNegativeButton(R.string.cancel, null)
             .show()

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

@@ -43,10 +43,10 @@ class DashboardFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
         val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
-        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, cardNumber)
             )
         } else {
             val qr = PaymvQrParser.parse(raw)
@@ -121,7 +121,8 @@ class DashboardFragment : Fragment() {
             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) && !hidden.contains(it.accountNumber) }
                 .map { CardItem.Bml(it) }
-            val all = bmlItems + mibItems
+            val rank = credStore.loginRank()
+            val all = (bmlItems + mibItems).sortedBy { rank(it.loginTag) }
             val defaultNum = credStore.getDefaultCardAccountNumber()
             val ordered = if (defaultNum != null) {
                 val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }

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

@@ -44,9 +44,11 @@ class FinancingAdapter(mibDeals: List<MibFinanceDeal>) :
         notifyDataSetChanged()
     }
 
-    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>) {
+    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>, mibFirst: Boolean = true) {
         expandedPositions.clear()
-        items = mibDeals.map { Item.Mib(it) } + bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        val mibItems = mibDeals.map { Item.Mib(it) }
+        val bmlItems = bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        items = if (mibFirst) mibItems + bmlItems else bmlItems + mibItems
         notifyDataSetChanged()
     }
 

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

@@ -14,6 +14,7 @@ import sh.sar.basedbank.api.bml.BmlLoanDetail
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentFinancingBinding
+import sh.sar.basedbank.util.CredentialStore
 
 class FinancingFragment : Fragment() {
 
@@ -67,7 +68,11 @@ class FinancingFragment : Fragment() {
         val bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>> =
             loanAccounts.map { acc -> acc to latestBmlLoanDetails[acc.internalId] }
 
-        adapter.update(latestMibDeals, bmlLoans)
+        // MIB deals carry no login tag, so order the MIB and BML blocks by each bank's first login
+        val order = CredentialStore(requireContext()).getLoginOrder()
+        val firstMib = order.indexOfFirst { it.startsWith("mib_") }
+        val firstBml = order.indexOfFirst { it.startsWith("bml_") }
+        adapter.update(latestMibDeals, bmlLoans, mibFirst = firstBml < 0 || (firstMib in 0 until firstBml))
 
         val isEmpty = latestMibDeals.isEmpty() && bmlLoans.isEmpty()
         binding.recyclerView.visibility = if (isEmpty) View.GONE else View.VISIBLE

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

@@ -176,6 +176,7 @@ class HomeActivity : AppCompatActivity() {
             val frag = when (item.itemId) {
                 R.id.nav_dashboard        -> DashboardFragment()
                 R.id.nav_accounts         -> AccountsFragment()
+                R.id.nav_chats            -> ChatsFragment()
                 R.id.nav_contacts         -> ContactsFragment()
                 R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
                 R.id.nav_pay_mv_qr        -> PayMvQrFragment()
@@ -244,9 +245,9 @@ class HomeActivity : AppCompatActivity() {
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
             val cachedMfaisa = AccountCache.loadMfaisa(this, store.getMfaisaLoginIds())
             val merged = cachedMib + cachedBml + cachedFahipay + cachedMfaisa
-            if (merged.isNotEmpty()) viewModel.accounts.value = merged
+            if (merged.isNotEmpty()) viewModel.accounts.value = merged.filterVisibleAccounts()
             val cachedCards = CardsCache.load(this)
-            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
+            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards.filterVisibleCards()
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
             val cachedBmlLoans = FinancingCache.loadBmlLoans(this)
@@ -473,6 +474,7 @@ fun applyNavLabelVisibility() {
         val dest = fragment ?: when (itemId) {
             R.id.nav_dashboard        -> DashboardFragment()
             R.id.nav_accounts         -> AccountsFragment()
+            R.id.nav_chats            -> ChatsFragment()
             R.id.nav_contacts         -> ContactsFragment()
             R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
             R.id.nav_pay_mv_qr        -> PayMvQrFragment()
@@ -528,9 +530,9 @@ fun applyNavLabelVisibility() {
 
     private fun routeSharedQrText(text: String) {
         val store = CredentialStore(this)
-        val bmlUrl = sh.sar.basedbank.util.PaymvQrParser.extractBmlGatewayUrl(text)
-        if (text.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
-            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: text, store.getDefaultCardAccountNumber()))
+        val bmlTarget = sh.sar.basedbank.util.PaymvQrParser.bmlQrPayTarget(text)
+        if (bmlTarget != null) {
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, store.getDefaultCardAccountNumber()))
             return
         }
         val qr = sh.sar.basedbank.util.PaymvQrParser.parse(text)
@@ -774,47 +776,13 @@ fun applyNavLabelVisibility() {
 
                     if (savedProfiles.isNotEmpty()) app.bmlProfilesMap[loginId] = savedProfiles
 
-                    val bmlClient = BmlAccountClient()
+                    // Hidden profiles are never fetched; unhiding one fetches it on its own (fetchEnabledBmlProfiles)
+                    val hiddenProfiles = store.getHiddenBmlProfileIds(loginId)
                     for (profile in savedProfiles) {
-                        val saved = store.loadBmlProfileSession(profile.profileId)
-                        val refreshToken = store.loadBmlProfileRefreshToken(profile.profileId)
-                        if (saved == null) {
-                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
-                                .filter { it.profileId == profile.profileId }
-                            continue
-                        }
-                        val expiresAt = store.loadBmlProfileExpiresAt(profile.profileId)
-                        val tokenKnownExpired = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
-
-                        suspend fun fetchWithSession(session: BmlSession) {
-                            bmlClient.checkProfile(session)
-                            val accounts = bmlClient.fetchAccounts(session, loginTag, profile.name, profile.profileId)
-                            app.bmlSessions[profile.profileId] = session
-                            allAccounts += accounts
-                        }
-
-                        suspend fun tryRefresh() {
-                            if (refreshToken == null) throw Exception("No refresh token")
-                            val oldSession = BmlSession(saved.first, saved.second, refreshToken)
-                            val newSession = app.bmlFlowFor(loginId).refreshSession(oldSession)
-                            store.saveBmlProfileSession(profile.profileId, newSession.accessToken, newSession.deviceId)
-                            if (newSession.refreshToken.isNotBlank())
-                                store.saveBmlProfileRefreshToken(profile.profileId, newSession.refreshToken)
-                            if (newSession.expiresAt > 0)
-                                store.saveBmlProfileExpiresAt(profile.profileId, newSession.expiresAt)
-                            fetchWithSession(newSession)
-                        }
-
+                        if (profile.profileId in hiddenProfiles) continue
                         try {
-                            if (tokenKnownExpired) {
-                                tryRefresh()
-                            } else {
-                                try {
-                                    fetchWithSession(BmlSession(saved.first, saved.second))
-                                } catch (_: AuthExpiredException) {
-                                    tryRefresh()
-                                }
-                            }
+                            allAccounts += fetchBmlProfileAccounts(store, loginId, profile)
+                                ?: AccountCache.loadBml(this@HomeActivity, loginId).filter { it.profileId == profile.profileId }
                         } catch (e: java.io.IOException) {
                             refreshErrors.add("NO_INTERNET")
                             allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
@@ -985,15 +953,17 @@ fun applyNavLabelVisibility() {
             refreshBmlLoanDetails()
             for ((loginId, session) in app.mibSessions) {
                 val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-                refreshMibCards(loginId, session, profiles)
+                refreshMibCards(loginId, session, profiles.filterVisibleProfiles(loginId))
             }
         }
     }
 
-    /** Filters accounts whose profileId the user has hidden in settings. */
+    /** Filters accounts whose profileId or account number the user has hidden in settings. */
     private fun List<BankAccount>.filterVisibleAccounts(): List<BankAccount> {
         val store = CredentialStore(this@HomeActivity)
+        val hiddenAccountNumbers = store.getHiddenAccountNumbers()
         return filter { acc ->
+            if (acc.accountNumber in hiddenAccountNumbers) return@filter false
             when (acc.bank) {
                 "MIB" -> {
                     val loginId = acc.loginTag.removePrefix("mib_")
@@ -1022,10 +992,140 @@ fun applyNavLabelVisibility() {
         return filter { it.profileId !in hidden }
     }
 
-    /** Called by SettingsLoginsFragment after the user changes profile visibility. */
-    fun applyProfileVisibility() {
-        val current = viewModel.accounts.value ?: return
-        viewModel.accounts.value = current.filterVisibleAccounts()
+    /** Drops MIB cards belonging to profiles the user has hidden. */
+    private fun List<sh.sar.basedbank.api.mib.MibCard>.filterVisibleCards(): List<sh.sar.basedbank.api.mib.MibCard> {
+        val store = CredentialStore(this@HomeActivity)
+        return filter { card ->
+            card.profileId.isEmpty() || card.profileId !in store.getHiddenMibProfileIds(card.loginTag.removePrefix("mib_"))
+        }
+    }
+
+    /**
+     * Called by SettingsLoginsFragment after the user hides/unhides profiles or accounts.
+     * Re-filters the in-memory data only — no network. Newly unhidden profiles are fetched
+     * separately via [fetchEnabledMibProfiles] / [fetchEnabledBmlProfiles].
+     */
+    fun applyVisibility() {
+        val app = application as BasedBankApp
+        viewModel.accounts.value = (app.mibAccounts + app.bmlAccounts + app.fahipayAccounts + app.mfaisaAccounts).filterVisibleAccounts()
+        viewModel.mibCards.value?.let { cards ->
+            val visible = cards.filterVisibleCards()
+            viewModel.mibCards.value = visible
+            CardsCache.save(this, visible)
+        }
+    }
+
+    /** Fetches accounts, cards and financing for MIB profiles the user just unhid (hidden ones are skipped on refresh). */
+    fun fetchEnabledMibProfiles(loginId: String, profileIds: Set<String>) {
+        if (profileIds.isEmpty()) return
+        val app = application as BasedBankApp
+        val loginTag = "mib_$loginId"
+        val enabled = (app.mibProfilesMap[loginId] ?: emptyList()).filter { it.profileId in profileIds }
+        binding.refreshIndicator.visibility = View.VISIBLE
+        lifecycleScope.launch {
+            val fresh = withContext(Dispatchers.IO) {
+                val session = app.mibSessions[loginId]
+                if (session != null && enabled.isNotEmpty()) {
+                    try {
+                        val accounts = app.mibFlowFor(loginId).fetchAllProfiles(session, enabled, loginTag)
+                        if (accounts.isNotEmpty()) {
+                            return@withContext app.mibAccounts.filter { it.loginTag != loginTag || it.profileId !in profileIds } + accounts
+                        }
+                    } catch (_: Exception) { }
+                }
+                // Session expired — log this one login in again (it now includes the unhidden profiles)
+                val store = CredentialStore(this@HomeActivity)
+                val creds = store.loadMibCredentials(loginId) ?: return@withContext null
+                try {
+                    val flow = MibLoginFlow(store)
+                    val accounts = flow.login(creds.username, creds.passwordHash, creds.otpSeed)
+                    app.mibSessions[loginId] = flow.lastSession!!
+                    app.mibProfilesMap[loginId] = flow.lastProfiles
+                    app.mibLoginFlows[loginId] = flow
+                    store.saveMibProfiles(loginId, flow.lastProfiles)
+                    app.mibAccounts.filter { it.loginTag != loginTag } + accounts
+                } catch (_: Exception) { null }
+            }
+            binding.refreshIndicator.visibility = View.GONE
+            if (fresh == null) return@launch
+            app.mibAccounts = fresh
+            AccountCache.save(this@HomeActivity, fresh)
+            applyVisibility()
+            val session = app.mibSessions[loginId] ?: return@launch
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshMibCards(loginId, session, profiles.filter { it.profileId in profileIds })
+            // Financing deals carry no profile id, so the login's visible profiles are fetched together
+            refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+        }
+    }
+
+    /** Fetches accounts (and loan details / limits) for BML profiles the user just unhid. */
+    fun fetchEnabledBmlProfiles(loginId: String, profileIds: Set<String>) {
+        if (profileIds.isEmpty()) return
+        val app = application as BasedBankApp
+        val store = CredentialStore(this)
+        val enabled = store.loadBmlProfiles(loginId).filter { it.profileId in profileIds }
+        if (enabled.isEmpty()) return
+        binding.refreshIndicator.visibility = View.VISIBLE
+        lifecycleScope.launch {
+            val fetched = withContext(Dispatchers.IO) {
+                enabled.mapNotNull { profile ->
+                    try { fetchBmlProfileAccounts(store, loginId, profile)?.let { profile.profileId to it } } catch (_: Exception) { null }
+                }
+            }
+            binding.refreshIndicator.visibility = View.GONE
+            if (fetched.isEmpty()) return@launch
+            val fetchedIds = fetched.map { it.first }.toSet()
+            val loginTag = "bml_$loginId"
+            app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != loginTag || it.profileId !in fetchedIds } +
+                fetched.flatMap { it.second }
+            AccountCache.saveBml(this@HomeActivity, loginId, app.bmlAccounts.filter { it.loginTag == loginTag })
+            applyVisibility()
+            fetchedIds.forEach { id -> app.bmlSessions[id]?.let { refreshBmlLimits(it) } }
+            refreshBmlLoanDetails()
+        }
+    }
+
+    /**
+     * Fetches one BML profile's accounts with its saved session, refreshing the token when expired.
+     * Returns null when the profile has no saved session; throws on network/server errors.
+     */
+    private fun fetchBmlProfileAccounts(store: CredentialStore, loginId: String, profile: BmlProfile): List<BankAccount>? {
+        val app = application as BasedBankApp
+        val saved = store.loadBmlProfileSession(profile.profileId) ?: return null
+        val refreshToken = store.loadBmlProfileRefreshToken(profile.profileId)
+        val expiresAt = store.loadBmlProfileExpiresAt(profile.profileId)
+        val tokenKnownExpired = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
+        val bmlClient = BmlAccountClient()
+
+        fun fetchWithSession(session: BmlSession): List<BankAccount> {
+            bmlClient.checkProfile(session)
+            val accounts = bmlClient.fetchAccounts(session, "bml_$loginId", profile.name, profile.profileId)
+            app.bmlSessions[profile.profileId] = session
+            return accounts
+        }
+
+        fun tryRefresh(): List<BankAccount> {
+            if (refreshToken == null) throw Exception("No refresh token")
+            val oldSession = BmlSession(saved.first, saved.second, refreshToken)
+            val newSession = app.bmlFlowFor(loginId).refreshSession(oldSession)
+            store.saveBmlProfileSession(profile.profileId, newSession.accessToken, newSession.deviceId)
+            if (newSession.refreshToken.isNotBlank())
+                store.saveBmlProfileRefreshToken(profile.profileId, newSession.refreshToken)
+            if (newSession.expiresAt > 0)
+                store.saveBmlProfileExpiresAt(profile.profileId, newSession.expiresAt)
+            return fetchWithSession(newSession)
+        }
+
+        return if (tokenKnownExpired) {
+            tryRefresh()
+        } else {
+            try {
+                fetchWithSession(BmlSession(saved.first, saved.second))
+            } catch (_: AuthExpiredException) {
+                tryRefresh()
+            }
+        }
     }
 
     private fun refreshBmlLimits(session: BmlSession) {
@@ -1259,7 +1359,7 @@ fun applyNavLabelVisibility() {
         val app = application as BasedBankApp
         for ((loginId, session) in app.mibSessions) {
             val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-            refreshMibCards(loginId, session, profiles)
+            refreshMibCards(loginId, session, profiles.filterVisibleProfiles(loginId))
         }
     }
 
@@ -1284,7 +1384,8 @@ fun applyNavLabelVisibility() {
                 }
                 if (cards.isNotEmpty()) {
                     val existing = viewModel.mibCards.value?.toMutableList() ?: mutableListOf()
-                    existing.removeAll { it.loginTag == "mib_$loginId" }
+                    val fetchedIds = profiles.map { it.profileId }.toSet()
+                    existing.removeAll { it.loginTag == "mib_$loginId" && (it.profileId in fetchedIds || it.profileId.isEmpty()) }
                     existing += cards
                     viewModel.mibCards.postValue(existing)
                     CardsCache.save(this@HomeActivity, existing)

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

@@ -1,7 +1,8 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Application
+import androidx.lifecycle.AndroidViewModel
 import androidx.lifecycle.MutableLiveData
-import androidx.lifecycle.ViewModel
 import sh.sar.basedbank.api.bml.BmlForeignLimit
 import sh.sar.basedbank.api.bml.BmlLoanDetail
 import sh.sar.basedbank.api.models.BankAccount
@@ -9,14 +10,21 @@ import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
+import sh.sar.basedbank.util.CredentialStore
 
 sealed class CardItem {
-    data class Mib(val card: MibCard) : CardItem()
-    data class Bml(val account: BankAccount) : CardItem()
+    abstract val loginTag: String
+    data class Mib(val card: MibCard) : CardItem() { override val loginTag get() = card.loginTag }
+    data class Bml(val account: BankAccount) : CardItem() { override val loginTag get() = account.loginTag }
 }
 
-class HomeViewModel : ViewModel() {
-    val accounts = MutableLiveData<List<BankAccount>>(emptyList())
+class HomeViewModel(application: Application) : AndroidViewModel(application) {
+    /** Always kept in the user's login order (Settings > Logins), so every screen lists accounts the same way. */
+    val accounts: MutableLiveData<List<BankAccount>> = object : MutableLiveData<List<BankAccount>>(emptyList()) {
+        override fun setValue(value: List<BankAccount>?) {
+            super.setValue(value?.let { list -> loginRank().let { rank -> list.sortedBy { rank(it.loginTag) } } })
+        }
+    }
     val financing = MutableLiveData<List<MibFinanceDeal>>(emptyList())
     /** BML loan details keyed by account internalId. */
     val bmlLoanDetails = MutableLiveData<Map<String, BmlLoanDetail>>(emptyMap())
@@ -26,7 +34,19 @@ class HomeViewModel : ViewModel() {
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
 
-    val mibCards = MutableLiveData<List<MibCard>?>(null)
+    val mibCards: MutableLiveData<List<MibCard>?> = object : MutableLiveData<List<MibCard>?>(null) {
+        override fun setValue(value: List<MibCard>?) {
+            super.setValue(value?.let { list -> loginRank().let { rank -> list.sortedBy { rank(it.loginTag) } } })
+        }
+    }
+
+    fun loginRank(): (String) -> Int = CredentialStore(getApplication()).loginRank()
+
+    /** Re-applies the login order after the user changes it. */
+    fun resortByLoginOrder() {
+        accounts.value = accounts.value
+        mibCards.value = mibCards.value
+    }
 
     val hideAmounts = MutableLiveData<Boolean>(false)
 

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

@@ -32,6 +32,7 @@ object NavCustomization {
     /** All items that can occupy either a bottom nav slot or the "More" screen. */
     val ALL_SWAPPABLE = listOf(
         NavItemDef(R.id.nav_accounts,         "nav_accounts",         R.drawable.ic_nav_accounts,         R.string.nav_accounts,         R.string.nav_desc_accounts),
+        NavItemDef(R.id.nav_chats,            "nav_chats",            R.drawable.ic_chat,                 R.string.nav_chats,            R.string.nav_desc_chats),
         NavItemDef(R.id.nav_contacts,         "nav_contacts",         R.drawable.ic_contacts,             R.string.nav_contacts,         R.string.nav_desc_contacts),
         NavItemDef(R.id.nav_transfer,         "nav_transfer",         R.drawable.ic_send,                 R.string.transfer,             R.string.nav_desc_transfer),
         NavItemDef(R.id.nav_pay_mv_qr,        "nav_pay_mv_qr",        R.drawable.ic_qr_scan,              R.string.pay_mv_qr,            R.string.nav_desc_pay_mv_qr),
@@ -51,14 +52,14 @@ object NavCustomization {
 
     fun getSlots(prefs: SharedPreferences): List<Int> = listOf(
         keyToId(prefs.getString("bottom_nav_slot_1_key", null), R.id.nav_accounts),
-        keyToId(prefs.getString("bottom_nav_slot_2_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("bottom_nav_slot_2_key", null), R.id.nav_chats),
         keyToId(prefs.getString("bottom_nav_slot_3_key", null), R.id.nav_transfer),
     )
 
     fun saveSlots(prefs: SharedPreferences, slots: List<Int>) {
         prefs.edit()
             .putString("bottom_nav_slot_1_key", idToKey(slots[0]) ?: "nav_accounts")
-            .putString("bottom_nav_slot_2_key", idToKey(slots[1]) ?: "nav_contacts")
+            .putString("bottom_nav_slot_2_key", idToKey(slots[1]) ?: "nav_chats")
             .putString("bottom_nav_slot_3_key", idToKey(slots[2]) ?: "nav_transfer")
             .apply()
     }
@@ -79,7 +80,7 @@ object NavCustomization {
     fun getCircularSlots(prefs: SharedPreferences): List<Int> = listOf(
         keyToId(prefs.getString("circular_slot_1_key", null), R.id.nav_transfer),
         keyToId(prefs.getString("circular_slot_2_key", null), R.id.nav_pay_with_card),
-        keyToId(prefs.getString("circular_slot_3_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("circular_slot_3_key", null), R.id.nav_chats),
         keyToId(prefs.getString("circular_slot_4_key", null), R.id.nav_accounts),
     )
 
@@ -87,7 +88,7 @@ object NavCustomization {
         prefs.edit()
             .putString("circular_slot_1_key", idToKey(slots[0]) ?: "nav_transfer")
             .putString("circular_slot_2_key", idToKey(slots[1]) ?: "nav_pay_with_card")
-            .putString("circular_slot_3_key", idToKey(slots[2]) ?: "nav_contacts")
+            .putString("circular_slot_3_key", idToKey(slots[2]) ?: "nav_chats")
             .putString("circular_slot_4_key", idToKey(slots[3]) ?: "nav_accounts")
             .apply()
     }

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

@@ -18,7 +18,9 @@ import kotlinx.coroutines.delay
 import kotlinx.coroutines.isActive
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import com.google.android.material.color.MaterialColors
 import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlAccountClient
 import sh.sar.basedbank.api.mib.MibProfileClient
 import sh.sar.basedbank.api.mib.MibLoginFlow
@@ -32,7 +34,7 @@ class OtpFragment : Fragment() {
     private var _binding: FragmentOtpBinding? = null
     private val binding get() = _binding!!
 
-    private data class OtpEntry(val label: String, val seed: String)
+    private data class OtpEntry(val bank: String, val name: String?, val seed: String)
 
     private inner class OtpAdapter(private val entries: List<OtpEntry>) :
         RecyclerView.Adapter<OtpAdapter.VH>() {
@@ -45,18 +47,17 @@ class OtpFragment : Fragment() {
             VH(ItemOtpCardBinding.inflate(LayoutInflater.from(parent.context), parent, false))
 
         override fun onBindViewHolder(holder: VH, position: Int) {
-            holder.b.tvOtpLabel.text = entries[position].label
-            update(holder.b, entries[position].seed)
-            holder.b.root.setOnClickListener {
-                val code = holder.b.tvOtpCode.text.toString().replace(" ", "")
-                if (code.isNotEmpty()) {
-                    val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
-                    clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
-                    if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
-                        Toast.makeText(it.context, "OTP copied", Toast.LENGTH_SHORT).show()
-                    }
-                }
-            }
+            val entry = entries[position]
+            val b = holder.b
+            b.tvOtpBank.text = entry.bank
+            b.tvOtpLabel.text = entry.name ?: "Authenticator"
+            b.ivBankLogo.setImageResource(
+                if (entry.bank == "BML") R.drawable.bml_logo_vector else R.drawable.mib_logo
+            )
+            update(b, entry.seed)
+            b.root.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
+            b.btnCopyOtp.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
+            b.btnCopyNextOtp.setOnClickListener { copyCode(it.context, b.tvNextOtpCode.text, "Next OTP copied") }
         }
 
         fun tick() {
@@ -71,9 +72,32 @@ class OtpFragment : Fragment() {
             val secondsInPeriod = (epochSeconds % 30).toInt()
             val remaining = 30 - secondsInPeriod
             val code = try { Totp.generate(seed) } catch (_: Exception) { "------" }
+            val next = try { Totp.generate(seed, periodOffset = 1) } catch (_: Exception) { "------" }
             b.tvOtpCode.text = "${code.take(3)} ${code.drop(3)}"
+            b.tvNextOtpCode.text = "${next.take(3)} ${next.drop(3)}"
             b.otpProgress.progress = remaining
-            b.tvOtpCountdown.text = "Refreshes in $remaining second${if (remaining == 1) "" else "s"}"
+            b.tvOtpCountdown.text = remaining.toString()
+
+            // Turn the ring and code red in the last few seconds of the window
+            val expiring = remaining <= 5
+            val accent = MaterialColors.getColor(b.root,
+                if (expiring) com.google.android.material.R.attr.colorError else com.google.android.material.R.attr.colorPrimary)
+            b.otpProgress.setIndicatorColor(accent)
+            b.tvOtpCode.setTextColor(accent)
+            b.tvOtpCountdown.setTextColor(
+                if (expiring) accent
+                else MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnSurfaceVariant)
+            )
+        }
+    }
+
+    private fun copyCode(context: Context, text: CharSequence, message: String) {
+        val code = text.toString().replace(" ", "")
+        if (code.isEmpty() || code.contains('-')) return
+        val clipboard = context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+        clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
+        if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
+            Toast.makeText(context, message, Toast.LENGTH_SHORT).show()
         }
     }
 
@@ -86,21 +110,24 @@ class OtpFragment : Fragment() {
         val store = CredentialStore(requireContext())
         val app = requireActivity().application as BasedBankApp
 
-        val entries = mutableListOf<OtpEntry>()
+        val rank = store.loginRank()
+        val tagged = mutableListOf<Pair<String, OtpEntry>>()
         for (loginId in store.getMibLoginIds()) {
             val creds = store.loadMibCredentials(loginId) ?: continue
             val name = store.loadMibFullName(loginId)
-            entries.add(OtpEntry(if (name != null) "MIB · $name" else "MIB", creds.otpSeed))
+            tagged.add(CredentialStore.loginKey("mib", loginId) to OtpEntry("MIB", name, creds.otpSeed))
         }
         for (loginId in store.getBmlLoginIds()) {
             val creds = store.loadBmlCredentials(loginId) ?: continue
             val name = store.loadBmlUserProfile(loginId)?.fullName
-            entries.add(OtpEntry(if (!name.isNullOrBlank()) "BML · $name" else "BML", creds.otpSeed))
+            tagged.add(CredentialStore.loginKey("bml", loginId) to OtpEntry("BML", name?.takeIf { it.isNotBlank() }, creds.otpSeed))
         }
+        val entries = tagged.sortedBy { rank(it.first) }.map { it.second }.toMutableList()
 
         val adapter = OtpAdapter(entries)
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
+        binding.emptyState.visibility = if (entries.isEmpty()) View.VISIBLE else View.GONE
 
         // Fetch real names in background if not yet cached, then refresh labels
         viewLifecycleOwner.lifecycleScope.launch {
@@ -122,7 +149,7 @@ class OtpFragment : Fragment() {
                         ))
                         val seed = store.loadMibCredentials(loginId)?.otpSeed
                         val idx = entries.indexOfFirst { it.seed == seed }
-                        if (idx >= 0) { entries[idx] = entries[idx].copy(label = "MIB · ${profile.fullName}"); changed = true }
+                        if (idx >= 0) { entries[idx] = entries[idx].copy(name = profile.fullName); changed = true }
                     }
                 }
             }
@@ -143,7 +170,7 @@ class OtpFragment : Fragment() {
                         ))
                         val seed = store.loadBmlCredentials(loginId)?.otpSeed
                         val idx = entries.indexOfFirst { it.seed == seed }
-                        if (idx >= 0) { entries[idx] = entries[idx].copy(label = "BML · ${info.fullName}"); changed = true }
+                        if (idx >= 0) { entries[idx] = entries[idx].copy(name = info.fullName); changed = true }
                     }
                 }
             }

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

@@ -48,6 +48,8 @@ class PayMvQrFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private var selectedAccount: BankAccount? = null
+    /** Set when opened for a saved contact: the QR is for their account, not one of ours. */
+    private var contactTarget: QrTarget? = null
     private var generatedBitmap: Bitmap? = null
     private var generateJob: Job? = null
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
@@ -59,7 +61,17 @@ class PayMvQrFragment : Fragment() {
         return binding.root
     }
 
+    /** Who the QR pays into — one of our own accounts, or a contact's. */
+    private data class QrTarget(val accountNumber: String, val name: String, val bank: String)
+
+    private fun currentTarget(): QrTarget? = contactTarget
+        ?: selectedAccount?.let { QrTarget(it.accountNumber, it.accountBriefName, it.bank) }
+
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        contactTarget = arguments?.let { args ->
+            val number = args.getString(ARG_ACCOUNT_NUMBER) ?: return@let null
+            QrTarget(number, args.getString(ARG_ACCOUNT_NAME).orEmpty(), args.getString(ARG_BANK).orEmpty())
+        }
         val basePaddingBottom = view.paddingBottom
         ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
             val bottomNav = activity?.findViewById<View>(R.id.bottomNavigation)
@@ -68,7 +80,15 @@ class PayMvQrFragment : Fragment() {
             v.updatePadding(bottom = basePaddingBottom + navBarBottom)
             insets
         }
-        setupDropdown()
+        if (contactTarget != null) {
+            // Not our account, so no account picker and our phone number doesn't belong on it
+            binding.tilAccount.visibility = View.GONE
+            binding.layoutIncludePhone.visibility = View.GONE
+            binding.switchIncludePhone.isChecked = false
+            scheduleGenerate()
+        } else {
+            setupDropdown()
+        }
         binding.etAmount.addTextChangedListener { scheduleGenerate() }
         binding.etReference.addTextChangedListener { scheduleGenerate() }
         binding.switchIncludePhone.setOnCheckedChangeListener { _, _ -> scheduleGenerate() }
@@ -83,6 +103,7 @@ class PayMvQrFragment : Fragment() {
             val eligible = accounts.filter {
                 it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN" &&
                 it.bank != "MIB" && // TODO: MIB does not support PayMV QR
+                it.bank != "MFAISA" && // TODO: M-Faisa PayMV QR not implemented yet
                 !(it.bank == "BML" && it.currencyName.contains("USD", ignoreCase = true)) // TODO: BML USD not supported by MMA
             }
             val adapter = QrAccountAdapter(requireContext(), eligible)
@@ -118,8 +139,8 @@ class PayMvQrFragment : Fragment() {
     }
 
     private suspend fun generateQr() {
-        val account = selectedAccount ?: return
-        val acquirer = when (account.bank) {
+        val target = currentTarget() ?: return
+        val acquirer = when (target.bank) {
             "BML"     -> "MALBMVMV"
             "MIB"     -> "MADVMVMV"
             "FAHIPAY" -> "FAHIMVMV"
@@ -132,10 +153,10 @@ class PayMvQrFragment : Fragment() {
             ?.let { "%.2f".format(it) }
 
         val ctx = requireContext()
-        val includePhone = binding.switchIncludePhone.isChecked
-        val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag)
-        val store = CredentialStore(ctx)
-        val mobile = if (includePhone) {
+        val account = selectedAccount
+        val mobile = if (binding.switchIncludePhone.isChecked && contactTarget == null && account != null) {
+            val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag)
+            val store = CredentialStore(ctx)
             when (account.bank) {
                 "BML"     -> store.loadBmlUserProfile(loginId)?.mobile
                 "FAHIPAY" -> store.loadFahipayUserProfile(loginId)?.mobile
@@ -153,8 +174,8 @@ class PayMvQrFragment : Fragment() {
             ?.takeIf { it.isNotBlank() } ?: getString(R.string.paymvqr_reference_default)
 
         val bmp = withContext(Dispatchers.Default) {
-            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted, mobile, purpose)
-            renderQrCard(ctx, account, payload, amountFormatted)
+            val payload = buildQrPayload(target.accountNumber, target.name, acquirer, amountFormatted, mobile, purpose)
+            renderQrCard(ctx, target, payload, amountFormatted)
         }
         if (_binding == null) return
         generatedBitmap = bmp
@@ -223,7 +244,7 @@ class PayMvQrFragment : Fragment() {
 
     private fun renderQrCard(
         ctx: Context,
-        account: BankAccount,
+        target: QrTarget,
         qrPayload: String,
         amountStr: String?
     ): Bitmap {
@@ -245,7 +266,7 @@ class PayMvQrFragment : Fragment() {
         canvas.drawColor(Color.WHITE)
 
         // --- Bank logo top-left ---
-        val logoRes = when (account.bank) {
+        val logoRes = when (target.bank) {
             "BML"     -> R.drawable.bml_logo_vector
             "MIB"     -> R.drawable.mib_faisanet_logo
             else      -> R.drawable.fahipay_logo_long
@@ -278,7 +299,7 @@ class PayMvQrFragment : Fragment() {
         paint.color = Color.WHITE
         paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
         paint.textAlign = Paint.Align.CENTER
-        val nameText = account.accountBriefName.uppercase()
+        val nameText = target.name.uppercase()
         paint.textSize = 36f
         val maxNameW = boxR - boxL - 48f
         if (paint.measureText(nameText) > maxNameW) {
@@ -337,13 +358,13 @@ class PayMvQrFragment : Fragment() {
 
     private fun shareQr() {
         val bmp = generatedBitmap ?: return
-        val account = selectedAccount ?: return
+        val target = currentTarget() ?: return
         lifecycleScope.launch {
             val uri = withContext(Dispatchers.IO) {
                 try {
                     val dir = File(requireContext().cacheDir, "qr")
                     dir.mkdirs()
-                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val safeName = target.name.replace(Regex("[^A-Za-z0-9_]"), "_")
                     val file = File(dir, "${safeName}_paymv_qr.png")
                     FileOutputStream(file).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
                     FileProvider.getUriForFile(
@@ -365,11 +386,11 @@ class PayMvQrFragment : Fragment() {
 
     private fun saveQr() {
         val bmp = generatedBitmap ?: return
-        val account = selectedAccount ?: return
+        val target = currentTarget() ?: return
         lifecycleScope.launch {
             val saved = withContext(Dispatchers.IO) {
                 try {
-                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val safeName = target.name.replace(Regex("[^A-Za-z0-9_]"), "_")
                     val filename = "${safeName}_PayMV_QR.png"
                     if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.Q) {
                         val values = ContentValues().apply {
@@ -411,6 +432,21 @@ class PayMvQrFragment : Fragment() {
         _binding = null
     }
 
+    companion object {
+        private const val ARG_ACCOUNT_NUMBER = "account_number"
+        private const val ARG_ACCOUNT_NAME = "account_name"
+        private const val ARG_BANK = "bank"
+
+        /** QR for a contact's account. [bank] is "BML" / "MIB" / "FAHIPAY", as on [BankAccount.bank]. */
+        fun forContact(accountNumber: String, name: String, bank: String) = PayMvQrFragment().apply {
+            arguments = Bundle().apply {
+                putString(ARG_ACCOUNT_NUMBER, accountNumber)
+                putString(ARG_ACCOUNT_NAME, name)
+                putString(ARG_BANK, bank)
+            }
+        }
+    }
+
     // ── Account dropdown adapter ──────────────────────────────────────────────
 
     private inner class QrAccountAdapter(

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

@@ -77,10 +77,10 @@ class CardsFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
         val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
-        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, cardNumber)
             )
         } else {
             val qr = PaymvQrParser.parse(raw)
@@ -904,7 +904,9 @@ class CardsFragment : Fragment() {
         val bmlInactive = bmlItems.filter { !it.account.statusDesc.equals("Active", ignoreCase = true) }
         val mibActive = mibItems.filter { isMibCardActive(it.card.cardStatus) }
         val mibInactive = mibItems.filter { !isMibCardActive(it.card.cardStatus) }
-        val all: List<CardItem> = bmlActive + mibActive + bmlInactive + mibInactive
+        val rank = store.loginRank()
+        val all: List<CardItem> = (bmlActive + mibActive).sortedBy { rank(it.loginTag) } +
+            (bmlInactive + mibInactive).sortedBy { rank(it.loginTag) }
         // Move default BML card to front
         cards = if (defaultNum != null) {
             val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }

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

@@ -10,8 +10,11 @@ import android.graphics.BitmapFactory
 import android.net.Uri
 import android.os.Bundle
 import android.util.Base64
+import android.annotation.SuppressLint
 import android.view.Gravity
+import android.view.HapticFeedbackConstants
 import android.view.LayoutInflater
+import android.view.MotionEvent
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ImageView
@@ -30,6 +33,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.mib.MibProfile
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentSettingsLoginsBinding
 import sh.sar.basedbank.ui.login.LoginActivity
@@ -359,65 +363,86 @@ class SettingsLoginsFragment : Fragment() {
         _binding = null
     }
 
+    private data class LoginEntry(val key: String, val logoRes: Int, val displayName: String, val onClick: () -> Unit)
+
     private fun buildLoginsSection() {
         val ctx = requireContext()
         val store = CredentialStore(ctx)
         val container = binding.loginsContainer
         container.removeAllViews()
 
-        val mibLoginIds = store.getMibLoginIds()
-        val bmlLoginIds = store.getBmlLoginIds()
-        val fahipayLoginIds = store.getFahipayLoginIds()
-        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        val entries = mutableListOf<LoginEntry>()
 
-        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty() || mfaisaLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
-
-        for (loginId in mibLoginIds) {
+        for (loginId in store.getMibLoginIds()) {
             val profile = store.loadMibUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.mib_name)
             val mibProfiles = store.loadMibProfiles(loginId)
-            addLoginRow(container, R.drawable.mib_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("mib", loginId), R.drawable.mib_logo, displayName) {
                 showMibLoginDetails(store, loginId, profile, mibProfiles)
             }
         }
 
-        for (loginId in bmlLoginIds) {
+        for (loginId in store.getBmlLoginIds()) {
             val profile = store.loadBmlUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
             val bmlProfiles = store.loadBmlProfiles(loginId)
-            addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("bml", loginId), R.drawable.bml_logo_vector, displayName) {
                 showBmlLoginDetails(store, loginId, profile, bmlProfiles)
             }
         }
 
-        for (loginId in fahipayLoginIds) {
+        for (loginId in store.getFahipayLoginIds()) {
             val profile = store.loadFahipayUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
-            addLoginRow(container, R.drawable.fahipay_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("fahipay", loginId), R.drawable.fahipay_logo, displayName) {
                 showFahipayLoginDetails(store, loginId, profile)
             }
         }
 
-        for (loginId in mfaisaLoginIds) {
+        for (loginId in store.getMfaisaLoginIds()) {
             val profile = store.loadMfaisaUserProfile(loginId)
             val displayName = profile?.name?.takeIf { it.isNotBlank() } ?: getString(R.string.ooredoo_name)
-            addLoginRow(container, R.drawable.ooredoo_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("mfaisa", loginId), R.drawable.ooredoo_logo, displayName) {
                 showMfaisaLoginDetails(store, loginId, profile)
             }
         }
+
+        val rank = store.loginRank()
+        val sorted = entries.sortedBy { rank(it.key) }
+        val draggable = sorted.size > 1
+        for (entry in sorted) {
+            addLoginRow(
+                container, entry.logoRes, entry.displayName, entry.onClick,
+                dragTag = entry.key.takeIf { draggable },
+                onReordered = { order ->
+                    store.setLoginOrder(order)
+                    viewModel.resortByLoginOrder()
+                }
+            )
+        }
+
+        binding.tvLoginsTitle.visibility = if (entries.isNotEmpty()) View.VISIBLE else View.GONE
     }
 
-    private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> Unit) {
+    private fun addLoginRow(
+        container: LinearLayout,
+        logoRes: Int,
+        displayName: String,
+        onClick: () -> Unit,
+        dragTag: String? = null,
+        onReordered: (List<String>) -> Unit = {}
+    ) {
         val ctx = requireContext()
         val dp = ctx.resources.displayMetrics.density
         val row = LinearLayout(ctx).apply {
             orientation = LinearLayout.HORIZONTAL
             gravity = Gravity.CENTER_VERTICAL
-            setPadding(0, (12 * dp).toInt(), 0, (12 * dp).toInt())
+            setPadding((12 * dp).toInt(), (12 * dp).toInt(), (12 * dp).toInt(), (12 * dp).toInt())
             isClickable = true; isFocusable = true
             val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
             background = ta.getDrawable(0); ta.recycle()
             setOnClickListener { onClick() }
+            tag = dragTag
         }
         val logo = ImageView(ctx).apply {
             setImageResource(logoRes)
@@ -430,9 +455,195 @@ class SettingsLoginsFragment : Fragment() {
             layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
         }
         row.addView(logo); row.addView(tvName)
+        if (dragTag != null) {
+            val handle = ImageView(ctx).apply {
+                setImageResource(R.drawable.ic_reorder_lines)
+                scaleType = ImageView.ScaleType.CENTER_INSIDE
+                contentDescription = getString(R.string.drag_to_reorder)
+                layoutParams = LinearLayout.LayoutParams((40 * dp).toInt(), (40 * dp).toInt()).apply { marginStart = (4 * dp).toInt() }
+            }
+            row.addView(handle)
+            attachDragHandle(handle, row, container, onReordered)
+        }
         container.addView(row)
     }
 
+    /** Drag [row] vertically within [group] by its [handle]; rows are identified by their String tag. */
+    @SuppressLint("ClickableViewAccessibility")
+    private fun attachDragHandle(handle: View, row: View, group: LinearLayout, onReordered: (List<String>) -> Unit) {
+        val ctx = handle.context
+        val lift = 8 * ctx.resources.displayMetrics.density
+        val dragBg = android.graphics.drawable.ColorDrawable(
+            com.google.android.material.color.MaterialColors.getColor(
+                ctx, com.google.android.material.R.attr.colorSurfaceContainerHigh, android.graphics.Color.LTGRAY))
+        var lastY = 0f
+        var startIndex = 0
+        var savedBg: android.graphics.drawable.Drawable? = null
+
+        handle.setOnTouchListener { v, ev ->
+            when (ev.actionMasked) {
+                MotionEvent.ACTION_DOWN -> {
+                    v.parent.requestDisallowInterceptTouchEvent(true)
+                    lastY = ev.rawY
+                    startIndex = group.indexOfChild(row)
+                    row.animate().cancel()
+                    savedBg = row.background
+                    row.background = dragBg
+                    row.translationZ = lift
+                    v.performHapticFeedback(HapticFeedbackConstants.LONG_PRESS)
+                }
+                MotionEvent.ACTION_MOVE -> {
+                    row.translationY += ev.rawY - lastY
+                    lastY = ev.rawY
+                    var index = group.indexOfChild(row)
+                    while (index < group.childCount - 1) {
+                        val next = group.getChildAt(index + 1)
+                        if (row.translationY <= next.height / 2f) break
+                        group.removeView(next); group.addView(next, index)
+                        row.translationY -= next.height
+                        next.translationY = row.height.toFloat()
+                        next.animate().translationY(0f).setDuration(150).start()
+                        index++
+                    }
+                    while (index > 0) {
+                        val prev = group.getChildAt(index - 1)
+                        if (row.translationY >= -prev.height / 2f) break
+                        group.removeView(prev); group.addView(prev, index)
+                        row.translationY += prev.height
+                        prev.translationY = -row.height.toFloat()
+                        prev.animate().translationY(0f).setDuration(150).start()
+                        index--
+                    }
+                    if (index == 0) row.translationY = row.translationY.coerceAtLeast(0f)
+                    if (index == group.childCount - 1) row.translationY = row.translationY.coerceAtMost(0f)
+                }
+                MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+                    v.parent.requestDisallowInterceptTouchEvent(false)
+                    row.animate().translationY(0f).translationZ(0f).setDuration(150)
+                        .withEndAction { row.background = savedBg }
+                        .start()
+                    if (group.indexOfChild(row) != startIndex) {
+                        onReordered((0 until group.childCount).mapNotNull { group.getChildAt(it).tag as? String })
+                    }
+                }
+            }
+            true
+        }
+    }
+
+    /** A single account row with a visibility toggle; [indent] nests it under a parent profile row (tree view). */
+    private fun addAccountRow(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        acc: BankAccount,
+        hiddenAccounts: MutableSet<String>,
+        indent: Boolean
+    ): Pair<BankAccount, MaterialSwitch> {
+        val row = LinearLayout(ctx).apply {
+            orientation = LinearLayout.HORIZONTAL
+            gravity = Gravity.CENTER_VERTICAL
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                it.bottomMargin = (4 * dp).toInt()
+                if (indent) it.marginStart = (28 * dp).toInt()
+            }
+        }
+        val textCol = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+        }
+        val nameAppearance = if (indent) com.google.android.material.R.style.TextAppearance_Material3_BodySmall
+            else com.google.android.material.R.style.TextAppearance_Material3_BodyMedium
+        textCol.addView(TextView(ctx).apply {
+            text = acc.accountBriefName.ifBlank { acc.accountTypeName.ifBlank { acc.accountNumber } }
+            setTextAppearance(nameAppearance)
+        })
+        val typeLabel = sh.sar.basedbank.util.AccountListParser.from(acc)?.typeLabel
+            ?: if (acc.bank == "BML") sh.sar.basedbank.util.bmlapi.BmlDashboardParser.productLabel(acc.accountTypeName)
+            else acc.accountTypeName.trim()
+        textCol.addView(TextView(ctx).apply {
+            text = listOfNotNull(acc.accountNumber, typeLabel.takeIf { it.isNotBlank() }, acc.currencyName.takeIf { it.isNotBlank() })
+                .joinToString(" · ")
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.6f
+        })
+        val toggle = MaterialSwitch(ctx).apply {
+            isChecked = acc.accountNumber !in hiddenAccounts
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                marginStart = (4 * dp).toInt()
+            }
+        }
+        row.addView(textCol)
+        row.addView(toggle)
+        container.addView(row)
+        return acc to toggle
+    }
+
+    /** Nests [accounts] directly under their parent profile row, without a header — the tree's leaves. */
+    private fun addNestedAccountRows(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        accounts: List<BankAccount>,
+        hiddenAccounts: MutableSet<String>
+    ): List<Pair<BankAccount, MaterialSwitch>> =
+        accounts.map { addAccountRow(ctx, container, dp, it, hiddenAccounts, indent = true) }
+
+    /** Builds a headered, flat "Accounts" section for accounts with no profile to nest under. */
+    private fun addAccountsSection(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        accounts: List<BankAccount>,
+        hiddenAccounts: MutableSet<String>,
+        showDivider: Boolean
+    ): List<Pair<BankAccount, MaterialSwitch>> {
+        if (accounts.isEmpty()) return emptyList()
+        if (showDivider) {
+            container.addView(View(ctx).apply {
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                    it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                }
+                setBackgroundColor(0x1F000000)
+            })
+        }
+        container.addView(TextView(ctx).apply {
+            text = getString(R.string.accounts)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                it.bottomMargin = (8 * dp).toInt()
+            }
+        })
+        return accounts.map { addAccountRow(ctx, container, dp, it, hiddenAccounts, indent = false) }
+    }
+
+    /**
+     * Unchecks and disables account toggles whose parent profile is hidden, and restores the
+     * account's own choice once the profile is shown again. [hiddenAccounts] is left untouched —
+     * the account listeners ignore changes made while a toggle is disabled.
+     */
+    private fun syncAccountToggles(
+        accountRows: List<Pair<BankAccount, MaterialSwitch>>,
+        hiddenAccounts: Set<String>,
+        isParentHidden: (BankAccount) -> Boolean
+    ) {
+        accountRows.forEach { (acc, toggle) ->
+            if (isParentHidden(acc)) {
+                toggle.isEnabled = false
+                toggle.isChecked = false
+            } else {
+                toggle.isChecked = acc.accountNumber !in hiddenAccounts
+                toggle.isEnabled = true
+            }
+        }
+    }
+
+    /** Merges this login's account-hide choices into the global hidden-accounts set, leaving other logins untouched. */
+    private fun persistHiddenAccounts(store: CredentialStore, scopedAccounts: List<BankAccount>, hiddenAccounts: Set<String>) {
+        val scopedNumbers = scopedAccounts.map { it.accountNumber }.toSet()
+        store.setHiddenAccountNumbers((store.getHiddenAccountNumbers() - scopedNumbers) + hiddenAccounts)
+    }
+
     private fun showMibLoginDetails(
         store: CredentialStore,
         loginId: String,
@@ -443,6 +654,10 @@ class SettingsLoginsFragment : Fragment() {
         val dp = ctx.resources.displayMetrics.density
         val originalHidden = store.getHiddenMibProfileIds(loginId)
         val hidden = originalHidden.toMutableSet()
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.mibAccounts.filter { it.loginTag == "mib_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -485,7 +700,10 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
-        // Build toggle rows — wired up after dialog.show() so we can reference the Save button
+        // Build toggle rows — wired up after dialog.show() so we can reference the Save button.
+        // Each profile's own accounts nest directly beneath it (tree view), since one profile
+        // can have multiple accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = mibProfiles.map { p ->
             val row = LinearLayout(ctx).apply {
                 orientation = LinearLayout.HORIZONTAL
@@ -526,16 +744,25 @@ class SettingsLoginsFragment : Fragment() {
             row.addView(pencil)
             row.addView(toggle)
             container.addView(row)
+            accountRows += addNestedAccountRows(ctx, container, dp, loginAccounts.filter { it.profileId == p.profileId }, hiddenAccounts)
             p to toggle
         }
 
+        // Accounts that don't belong to any known profile still need to be reachable.
+        val unassignedAccounts = loginAccounts.filter { acc -> mibProfiles.none { it.profileId == acc.profileId } }
+        accountRows += addAccountsSection(
+            ctx, container, dp, unassignedAccounts, hiddenAccounts,
+            showDivider = mibProfiles.isNotEmpty() || profile != null
+        )
+
         fun updateToggleStates(saveBtn: android.widget.Button) {
             val visibleCount = mibProfiles.count { it.profileId !in hidden }
             toggleRows.forEach { (p, toggle) ->
                 // Disable the sole remaining visible toggle so it can't be turned off
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.profileId in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -559,11 +786,22 @@ class SettingsLoginsFragment : Fragment() {
             }
         }
 
+        accountRows.forEach { (acc, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden parent profile
+                if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                updateToggleStates(saveBtn)
+            }
+        }
+
         saveBtn.setOnClickListener {
             store.setHiddenMibProfileIds(loginId, hidden)
-            clearAllCaches(ctx)
+            persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
             dialog.dismiss()
-            (activity as? HomeActivity)?.relogin()
+            // Hiding is applied offline; only profiles that were just unhidden get fetched
+            val home = activity as? HomeActivity
+            home?.applyVisibility()
+            home?.fetchEnabledMibProfiles(loginId, originalHidden - hidden)
         }
     }
 
@@ -585,6 +823,10 @@ class SettingsLoginsFragment : Fragment() {
             if (hidden.add(id)) store.setHiddenBmlProfileIds(loginId, hidden)
         }
         val originalHidden = hidden.toSet()
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.bmlAccounts.filter { it.loginTag == "bml_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -630,6 +872,9 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
+        // Each profile's own accounts nest directly beneath it (tree view), since one profile
+        // can have multiple accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = bmlProfiles.map { p ->
             val avatarIv = makeCircleAvatarView(ctx, 36)
             val currentBitmap = ProfileImageStore.load(ctx, ProfileImageStore.bmlKey(p.profileId))
@@ -677,15 +922,24 @@ class SettingsLoginsFragment : Fragment() {
             row.addView(pencil)
             row.addView(toggle)
             container.addView(row)
+            accountRows += addNestedAccountRows(ctx, container, dp, loginAccounts.filter { it.profileId == p.profileId }, hiddenAccounts)
             p to toggle
         }
 
+        // Accounts that don't belong to any known profile still need to be reachable.
+        val unassignedAccounts = loginAccounts.filter { acc -> bmlProfiles.none { it.profileId == acc.profileId } }
+        accountRows += addAccountsSection(
+            ctx, container, dp, unassignedAccounts, hiddenAccounts,
+            showDivider = bmlProfiles.isNotEmpty() || profile != null
+        )
+
         fun updateToggleStates(saveBtn: android.widget.Button) {
             val visibleCount = bmlProfiles.count { it.profileId !in hidden }
             toggleRows.forEach { (_, toggle) ->
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.profileId in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -720,11 +974,22 @@ class SettingsLoginsFragment : Fragment() {
             }
         }
 
+        accountRows.forEach { (acc, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden parent profile
+                if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                updateToggleStates(saveBtn)
+            }
+        }
+
         saveBtn.setOnClickListener {
             store.setHiddenBmlProfileIds(loginId, hidden)
-            clearAllCaches(ctx)
+            persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
             dialog.dismiss()
-            (activity as? HomeActivity)?.relogin()
+            // Hiding is applied offline; only profiles that were just unhidden get fetched
+            val home = activity as? HomeActivity
+            home?.applyVisibility()
+            home?.fetchEnabledBmlProfiles(loginId, originalHidden - hidden)
         }
     }
 
@@ -947,6 +1212,10 @@ class SettingsLoginsFragment : Fragment() {
         val dp = ctx.resources.displayMetrics.density
         val hide = viewModel.hideAmounts.value ?: false
         val masked = "••••••"
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.fahipayAccounts.filter { it.loginTag == "fahipay_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -997,14 +1266,37 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
-        MaterialAlertDialogBuilder(ctx)
+        val accountRows = addAccountsSection(ctx, container, dp, loginAccounts, hiddenAccounts, showDivider = true)
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
             .setTitle(getString(R.string.fahipay_name))
             .setView(scroll)
-            .setPositiveButton(R.string.close, null)
-            .setNegativeButton(R.string.settings_logout) { _, _ ->
-                confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) }
+            .apply {
+                if (loginAccounts.isNotEmpty()) setPositiveButton(R.string.save, null)
+                setNeutralButton(R.string.close, null)
+                setNegativeButton(R.string.settings_logout) { _, _ ->
+                    confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) }
+                }
             }
             .show()
+
+        if (loginAccounts.isNotEmpty()) {
+            val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+            saveBtn.isEnabled = false
+
+            accountRows.forEach { (acc, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                    saveBtn.isEnabled = hiddenAccounts != originalHiddenAccounts
+                }
+            }
+
+            saveBtn.setOnClickListener {
+                persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
+                dialog.dismiss()
+                (activity as? HomeActivity)?.applyVisibility()
+            }
+        }
     }
 
     private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
@@ -1087,6 +1379,8 @@ class SettingsLoginsFragment : Fragment() {
         val pockets = sh.sar.basedbank.util.AccountCache.loadMfaisa(ctx, loginId)
         val hidden = store.getHiddenMfaisaPocketIds(loginId).toMutableSet()
         val originalHidden = hidden.toSet()
+        val originalHiddenAccounts = pockets.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         // The user-visible "profiles" are: M-Faisa (every non-PayPal pocket) and PayPal (if linked).
         // Each toggle covers the set of pocket account numbers that belong to that profile.
@@ -1142,6 +1436,9 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
+        // Each group's own pockets nest directly beneath it (tree view), since a group
+        // ("M-Faisa" / "PayPal") can hold multiple pocket accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = profileRows.map { row ->
             val v = LinearLayout(ctx).apply {
                 orientation = LinearLayout.HORIZONTAL
@@ -1164,6 +1461,7 @@ class SettingsLoginsFragment : Fragment() {
             v.addView(label)
             v.addView(toggle)
             container.addView(v)
+            accountRows += addNestedAccountRows(ctx, container, dp, pockets.filter { it.accountNumber in row.pocketIds }, hiddenAccounts)
             row to toggle
         }
 
@@ -1172,7 +1470,8 @@ class SettingsLoginsFragment : Fragment() {
             toggleRows.forEach { (_, toggle) ->
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.accountNumber in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -1199,11 +1498,20 @@ class SettingsLoginsFragment : Fragment() {
                 }
             }
 
+            accountRows.forEach { (acc, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden pocket group
+                    if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                    updateToggleStates(saveBtn)
+                }
+            }
+
             saveBtn.setOnClickListener {
+                // All pockets come back in one login response, so hiding/unhiding never needs a request
                 store.setHiddenMfaisaPocketIds(loginId, hidden)
-                clearAllCaches(ctx)
+                persistHiddenAccounts(store, pockets, hiddenAccounts)
                 dialog.dismiss()
-                (activity as? HomeActivity)?.relogin()
+                (activity as? HomeActivity)?.applyVisibility()
             }
         }
     }

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

@@ -11,17 +11,13 @@ import android.graphics.BitmapFactory
 import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
-import android.graphics.Rect
 import android.net.Uri
 import android.os.Build
 import android.os.Bundle
 import android.os.Environment
-import android.os.Handler
-import android.os.Looper
 import android.provider.MediaStore
 import android.util.Base64
 import android.view.LayoutInflater
-import android.view.PixelCopy
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
@@ -159,9 +155,6 @@ class TransferReceiptFragment : Fragment() {
             }
         })
 
-        view.findViewById<MaterialButton>(R.id.btnDone).setOnClickListener {
-            parentFragmentManager.popBackStack()
-        }
         view.findViewById<MaterialButton>(R.id.btnShare).setOnClickListener {
             shareReceipt()
         }
@@ -377,21 +370,19 @@ class TransferReceiptFragment : Fragment() {
     // ── Helpers ───────────────────────────────────────────────────────────────
 
     /**
-     * Captures the receipt card using PixelCopy, which correctly handles
-     * hardware-accelerated views (avoids the black-square problem with view.draw()).
+     * Draws the receipt card to an offscreen bitmap at its natural (unscaled)
+     * dimensions, so the captured image isn't affected by the on-screen scale
+     * applied to fit small viewports and doesn't pick up overlapping siblings.
      */
     private fun captureReceiptBitmap(callback: (Bitmap?) -> Unit) {
         val view = _receiptCard ?: run { callback(null); return }
         if (view.width == 0 || view.height == 0) { callback(null); return }
 
         val bitmap = Bitmap.createBitmap(view.width, view.height, Bitmap.Config.ARGB_8888)
-        val location = IntArray(2)
-        view.getLocationInWindow(location)
-        val srcRect = Rect(location[0], location[1], location[0] + view.width, location[1] + view.height)
-
-        PixelCopy.request(requireActivity().window, srcRect, bitmap, { result ->
-            callback(if (result == PixelCopy.SUCCESS) bitmap else null)
-        }, Handler(Looper.getMainLooper()))
+        val canvas = Canvas(bitmap)
+        canvas.drawColor(Color.WHITE)
+        view.draw(canvas)
+        callback(bitmap)
     }
 
     private fun formatBmlTimestamp(raw: String): String {
@@ -494,13 +485,9 @@ class TransferReceiptFragment : Fragment() {
         (activity as? HomeActivity)?.setBottomNavVisible(false)
     }
 
-    override fun onPause() {
-        super.onPause()
-        (activity as? HomeActivity)?.setBottomNavVisible(true)
-    }
-
     override fun onDestroyView() {
         super.onDestroyView()
+        (activity as? HomeActivity)?.setBottomNavVisible(true)
         _receiptCard = null
         pendingToAvatarBitmap = null
     }

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

@@ -0,0 +1,62 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.view.WindowManager
+import com.google.android.material.bottomsheet.BottomSheetBehavior
+import com.google.android.material.bottomsheet.BottomSheetDialog
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import sh.sar.basedbank.databinding.SheetTransferBinding
+
+/**
+ * Shows [TransferFragment] in a bottom sheet so the screen behind (a chat) stays visible.
+ * The transfer page runs unchanged inside; with returnOnSuccess it dismisses this sheet.
+ */
+class TransferSheetFragment : BottomSheetDialogFragment() {
+
+    private var _binding: SheetTransferBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = SheetTransferBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        // Leave the top of the chat visible above the sheet.
+        binding.transferContainer.layoutParams.height = (resources.displayMetrics.heightPixels * SHEET_HEIGHT_FRACTION).toInt()
+        if (childFragmentManager.findFragmentById(binding.transferContainer.id) == null) {
+            val transferArgs = requireArguments()
+            childFragmentManager.beginTransaction()
+                .replace(binding.transferContainer.id, TransferFragment().apply { arguments = transferArgs })
+                .commitNow()
+        }
+    }
+
+    override fun onStart() {
+        super.onStart()
+        (dialog as? BottomSheetDialog)?.let { d ->
+            // Keep the amount/remarks fields above the keyboard, but don't open it by itself.
+            @Suppress("DEPRECATION")
+            d.window?.setSoftInputMode(
+                WindowManager.LayoutParams.SOFT_INPUT_ADJUST_RESIZE or WindowManager.LayoutParams.SOFT_INPUT_STATE_ALWAYS_HIDDEN
+            )
+            d.behavior.skipCollapsed = true
+            d.behavior.state = BottomSheetBehavior.STATE_EXPANDED
+        }
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val SHEET_HEIGHT_FRACTION = 0.8f
+
+        /** [transferArgs] are the arguments of a TransferFragment built by one of its factories. */
+        fun newInstance(transferArgs: Bundle) = TransferSheetFragment().apply { arguments = transferArgs }
+    }
+}

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

@@ -0,0 +1,740 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import android.view.Gravity
+import android.view.View
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.TextView
+import android.widget.Toast
+import androidx.appcompat.app.AlertDialog
+import androidx.lifecycle.lifecycleScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlOtpChannel
+import sh.sar.basedbank.api.bml.BmlQrPayClient
+import sh.sar.basedbank.api.bml.BmlQrPayInfo
+import sh.sar.basedbank.api.bml.BmlQrPayLookupException
+import sh.sar.basedbank.api.bml.BmlQrPayResult
+import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.bml.BmlTransferClient
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.mib.MibIpsAccountInfo
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
+import sh.sar.basedbank.util.Totp
+
+/**
+ * Owns the BML-only parts of the Transfer screen: session lookup, the CASA/card transfer itself,
+ * the business-profile OTP state machine (channel pick → initiate → verify), and merchant QR
+ * payment (card/gateway QR lookup + pre-initiate/initiate/confirm).
+ *
+ * Lives alongside [TransferFragment], which dispatches to it whenever the selected source's
+ * [BankAccount.bank] is "BML", and mirrors [MfaisaTransferHandler]'s shape: the fragment keeps
+ * the shared confirm dialog, the "To" lookup and the form state; the handler keeps everything
+ * BML-specific.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
+ * [androidx.fragment.app.Fragment.viewLifecycleOwner] and Context) — and must be re-created when
+ * the view is recreated.
+ */
+class BmlTransferHandler(
+    private val fragment: TransferFragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+    /** Asks the fragment to make [BankAccount] the source (amount prefix + from-card + Send state). */
+    private val selectSource: (BankAccount) -> Unit,
+    /** Hook called whenever handler state changes in a way that affects the Send button. */
+    private val onStateChanged: () -> Unit,
+    /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes balances. */
+    private val onTransferSuccess: (TransferReceiptData, Bitmap?) -> Unit,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+    private val host get() = fragment.activity as? HomeActivity
+
+    // ─── State ───────────────────────────────────────────────────────────────
+
+    /** Business-profile OTP flow. NONE means the Send button behaves normally. */
+    private enum class OtpState { NONE, SELECTING_CHANNEL, AWAITING_OTP }
+    private var otpState = OtpState.NONE
+    private var otpChannel: String? = null
+
+    private data class PendingTransfer(
+        val src: BankAccount,
+        val debitAccount: String,
+        val creditAccount: String,
+        val amount: Double,
+        val amountStr: String,
+        val remarks: String,
+        val transferType: String,
+        val currency: String,
+        val bank: String?,
+        val destDisplay: String,
+        val destAccount: String,
+        val toBank: String,
+        val toAvatar: Bitmap?
+    )
+    private var pendingTransfer: PendingTransfer? = null
+
+    /** Merchant QR payment mode (set when navigated from a card/gateway QR scan). */
+    var qrInfo: BmlQrPayInfo? = null
+        private set
+    /** True for pay.bml.com.mv QRs, which need an extra pre-initiate step. */
+    private var gatewayQr = false
+    /** Prevents re-running the lookup after the user clears the merchant. */
+    var qrLookupAttempted = false
+        private set
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /** Whether the business OTP flow is mid-way — the fragment freezes the Send button while it is. */
+    val isOtpFlowActive: Boolean get() = otpState != OtpState.NONE
+
+    /** Whether the Send button should verify an OTP instead of starting a new transfer. */
+    val isAwaitingOtp: Boolean get() = otpState == OtpState.AWAITING_OTP
+
+    /** Whether a merchant QR is loaded — counts as a resolved recipient for the Send button. */
+    val hasQrMerchant: Boolean get() = qrInfo != null
+
+    fun sessionFor(account: BankAccount?): BmlSession? =
+        account?.let { app.bmlSessionFor(it) } ?: app.anyBmlSession()
+
+    fun isBusinessProfile(account: BankAccount): Boolean {
+        val loginId = account.loginTag.removePrefix("bml_")
+        val profiles = app.bmlProfilesMap[loginId] ?: return false
+        return profiles.firstOrNull { it.profileId == account.profileId }?.profileType == "business"
+    }
+
+    /**
+     * Resolves a destination through BML — `verifyMibAccount` when [verifyAsMib], otherwise the
+     * regular alias/account validation. Blocking; call from IO. Returns null when BML can't
+     * resolve it, so the caller can fall back to the MIB IPS lookup.
+     *
+     * The result is mapped onto [MibIpsAccountInfo] because that is the Transfer screen's common
+     * "resolved recipient" shape, whichever bank did the resolving. Note that the MIB-verify
+     * endpoint leaves `currency` blank — the caller enriches it via
+     * [MibTransferHandler.lookupCurrency] when a MIB session is available.
+     */
+    fun validateDestination(
+        session: BmlSession,
+        accountNumber: String,
+        verifyAsMib: Boolean
+    ): MibIpsAccountInfo? {
+        val result = try {
+            if (verifyAsMib) BmlValidateClient().verifyMibAccount(session, accountNumber)
+            else BmlValidateClient().validateAccount(session, accountNumber)
+        } catch (_: Exception) { null } ?: return null
+        val bankId = when (result.trnType) {
+            "IAT" -> "MALBMVMV"
+            else  -> result.agnt ?: result.account
+        }
+        return MibIpsAccountInfo(
+            accountName = result.name,
+            accountNumber = result.account,
+            bankId = bankId,
+            currency = result.currency
+        )
+    }
+
+    /** Drops the loaded merchant and unlocks the amount/remarks fields the QR mode had frozen. */
+    fun clearQrMerchant() {
+        if (qrInfo == null) return
+        qrInfo = null
+        gatewayQr = false
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
+        binding.etAmount.setText("")
+    }
+
+    /** Called when the view tears down — an in-flight OTP flow cannot sensibly resume. */
+    fun clearState() {
+        otpState = OtpState.NONE
+        otpChannel = null
+        pendingTransfer = null
+    }
+
+    // ─── Merchant QR ─────────────────────────────────────────────────────────
+
+    fun lookupQrMerchant(qrUrl: String) {
+        qrLookupAttempted = true
+        // Gateway QRs and POS QRs (the raw EMV payload, not a URL) both carry a preset amount and
+        // need the extra pre-initiate POST; ebanking qrpay URLs do not.
+        gatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/") || !qrUrl.startsWith("https://")
+        val payTarget = PaymvQrParser.bmlPayRequestKey(qrUrl)
+        val session = app.anyBmlSession() ?: return
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlQrPayClient().lookupPayRequest(session, payTarget) }
+            }
+            host?.setRefreshing(false)
+            val info = result.getOrNull()
+            if (info == null) {
+                // An expired or rejected QR is BML telling us something specific — show its own
+                // wording and stay put with the To row restored, rather than bouncing the user out
+                // of the screen they just scanned from.
+                val message = (result.exceptionOrNull() as? BmlQrPayLookupException)?.message
+                    ?: ctx.getString(R.string.bml_qr_lookup_failed)
+                Toast.makeText(ctx, message, Toast.LENGTH_LONG).show()
+                fragment.resetToFieldVisibility()
+                onStateChanged()
+                return@launch
+            }
+            qrInfo = info
+            if (info.amount == 0.0) {
+                RecentsCache.save(ctx, RecentPick(
+                    accountNumber = "bmlqr:$qrUrl",
+                    displayName   = info.merchantName,
+                    subtitle      = info.merchantAddress.ifBlank { "BML Merchant" },
+                    colorHex      = "#0066A1",
+                    imageHash     = null,
+                    isProfileImage = false
+                ))
+            }
+
+            // Auto-select the user's default BML card if no card was pre-selected
+            if (currentSource() == null) {
+                val defaultNum = CredentialStore(ctx).getDefaultCardAccountNumber()
+                if (defaultNum != null) {
+                    val allAccounts = viewModel.accounts.value ?: emptyList()
+                    val defaultCard = allAccounts.firstOrNull {
+                        it.accountNumber == defaultNum && isCard(it) &&
+                        it.statusDesc.equals("Active", ignoreCase = true)
+                    }
+                    if (defaultCard != null) selectSource(defaultCard)
+                }
+            }
+
+            // Show merchant in the "To" card — clear button hidden (can't change recipient for QR)
+            binding.tvToAccountName.text = info.merchantName
+            binding.tvToBankBic.text = info.merchantAddress.ifBlank { "BML Merchant" }
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+            binding.ivToPhoto.setImageBitmap(fragment.makeInitialsBitmap(info.merchantName, "#0066A1"))
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill amount if dynamic QR
+            if (info.amount > 0.0) {
+                binding.etAmount.setText("%.2f".format(info.amount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            // Remarks not applicable for merchant QR payments
+            binding.tilRemarks.isEnabled = false
+            binding.tilRemarks.alpha = 0.4f
+
+            onStateChanged()
+        }
+    }
+
+    /**
+     * Confirm-then-pay for a loaded merchant QR. Uses the fragment's shared confirm dialog and
+     * reports the outcome inside it — there is no receipt screen for merchant payments.
+     */
+    fun submitQrPayment() {
+        val info = qrInfo ?: return
+        val src = currentSource() ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val debitAccount = src.internalId.ifBlank {
+            Toast.makeText(ctx, R.string.transfer_missing_internal_id, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val fromTypeLabel = sh.sar.basedbank.util.AccountListParser.from(src)?.typeLabel
+            ?: sh.sar.basedbank.util.bmlapi.BmlDashboardParser.productLabel(src.accountTypeName)
+        val fromDetail = listOfNotNull("BML", fromTypeLabel.ifBlank { null }).joinToString(" · ")
+        val confirmView = fragment.buildTransferConfirmView(
+            amountCurrency = info.currency,
+            amountValue = "%.2f".format(amount),
+            fromName = src.accountBriefName,
+            fromNumber = src.accountNumber,
+            fromDetail = fromDetail,
+            toName = info.merchantName,
+            toNumber = "",
+            toDetail = info.merchantAddress.ifBlank { "BML Merchant" }
+        )
+        fragment.showConfirmWithBiometric(
+            title = ctx.getString(R.string.transfer),
+            customView = confirmView,
+            biometricSubtitle = "${info.currency} ${"%.2f".format(amount)} → ${info.merchantName}",
+            onConfirmed = { dialog, frame ->
+                fragment.showProcessingInDialog(dialog, frame)
+                executeQrPayment(src, debitAccount, info, amount, dialog, frame)
+            }
+        )
+    }
+
+    private fun executeQrPayment(
+        src: BankAccount,
+        debitAccount: String,
+        info: BmlQrPayInfo,
+        amount: Double,
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout
+    ) {
+        val loginId = src.loginTag.removePrefix("bml_")
+        val session = sessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val otp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: run { dialog.dismiss(); Toast.makeText(ctx, "OTP unavailable", Toast.LENGTH_SHORT).show(); return }
+
+        binding.btnTransfer.isEnabled = false
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                try {
+                    if (gatewayQr) {
+                        val preOk = BmlQrPayClient().preInitiatePayment(
+                            session, debitAccount, info.requestId, amount, info.currency)
+                        if (!preOk) return@withContext null
+                    }
+                    val initiated = BmlQrPayClient().initiatePayment(
+                        session, debitAccount, info.requestId, amount, info.currency)
+                    if (!initiated) return@withContext null
+                    val confirmOtp = CredentialStore(ctx).loadBmlCredentials(loginId)
+                        ?.otpSeed?.let { Totp.generate(it) } ?: otp
+                    BmlQrPayClient().confirmPayment(
+                        session, debitAccount, info.requestId, amount, info.currency, confirmOtp)
+                } catch (e: Exception) {
+                    BmlQrPayResult(false, errorMessage = e.message ?: "Payment failed")
+                }
+            }
+            if (fragment.view == null) return@launch
+
+            if (result == null) {
+                dialog.dismiss()
+                binding.btnTransfer.isEnabled = true
+                Toast.makeText(ctx, "Failed to initiate payment", Toast.LENGTH_LONG).show()
+                return@launch
+            }
+            if (result.success) {
+                fragment.showSuccessInDialog(
+                    dialog, frame,
+                    amountCurrency = result.currency.ifBlank { info.currency },
+                    amountValue = result.amount.ifBlank { "%.2f".format(amount) },
+                    fromName = src.accountBriefName,
+                    toName = result.merchant.ifBlank { info.merchantName }
+                ) {
+                    fragment.clearForm()
+                    host?.triggerRefresh()
+                    fragment.returnToCallerIfRequested()
+                }
+            } else {
+                dialog.dismiss()
+                binding.btnTransfer.isEnabled = true
+                Toast.makeText(ctx, result.errorMessage, Toast.LENGTH_LONG).show()
+            }
+        }
+    }
+
+    // ─── Personal-profile transfer (token OTP, no user interaction) ──────────
+
+    /**
+     * Runs initiate + confirm on the calling (IO) thread and returns
+     * `(ok, message, receipt)`. Message is "CONNECTIVITY" when the network was unreachable.
+     */
+    fun doTransfer(
+        src: BankAccount,
+        destAccount: String,
+        destDisplay: String,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>
+    ): Triple<Boolean, String, TransferReceiptData?> {
+        val loginId = src.loginTag.removePrefix("bml_")
+        val sess = sessionFor(src) ?: return Triple(false, ctx.getString(R.string.transfer_session_unavailable), null)
+        val otp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: return Triple(false, "OTP unavailable", null)
+        val debitAccount = src.internalId.ifBlank {
+            return Triple(false, ctx.getString(R.string.transfer_missing_internal_id), null)
+        }
+
+        val routed = routeTransfer(destAccount, isSrcCard, isDestMib, currency, allAccounts, allContacts)
+            ?: return Triple(false, "BML contact not found for this account", null)
+        val (transferType, creditAccount, bank) = routed
+        val toBank = bank ?: if (isDestMib) "MIB" else "BML"
+
+        // Step 1: initiate
+        val initiated = try {
+            BmlTransferClient().initiateTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, bank)
+        } catch (e: Exception) { return Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Initiation failed"), null) }
+
+        if (!initiated) return Triple(false, "Failed to initiate transfer — check your session", null)
+
+        // Step 2: confirm with fresh OTP
+        val confirmOtp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) } ?: otp
+
+        return try {
+            val result = BmlTransferClient().confirmTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, confirmOtp, remarks, bank)
+            if (result.success) {
+                val receipt = TransferReceiptData(
+                    bank = "BML",
+                    amount = "%.2f".format(amount),
+                    currency = currency,
+                    fromLabel = src.accountBriefName,
+                    fromColorHex = "#0066A1",
+                    toLabel = destDisplay.ifBlank { destAccount },
+                    toAccount = destAccount,
+                    toBank = toBank,
+                    remarks = remarks,
+                    bmlFromName = src.accountBriefName,
+                    bmlReference = result.reference,
+                    bmlTimestamp = result.timestamp,
+                    bmlMessage = result.message
+                )
+                val time = result.timestamp.take(19).replace("T", " ")
+                Triple(true, "Reference: ${result.reference}\n$time", receipt)
+            } else {
+                Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null)
+            }
+        } catch (e: Exception) {
+            Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null)
+        }
+    }
+
+    // ─── Business profile OTP flow ───────────────────────────────────────────
+
+    fun startBusinessOtpFlow(
+        src: BankAccount,
+        destAccount: String,
+        destDisplay: String,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>,
+        toAvatar: Bitmap?
+    ) {
+        val debitAccount = src.internalId.ifBlank {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_missing_internal_id), Toast.LENGTH_SHORT).show()
+            return
+        }
+        val routed = routeTransfer(destAccount, isSrcCard, isDestMib, currency, allAccounts, allContacts)
+        if (routed == null) {
+            Toast.makeText(ctx, "BML contact not found for this account", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val (transferType, creditAccount, bank) = routed
+        val toBank = bank ?: if (isDestMib) "MIB" else "BML"
+
+        pendingTransfer = PendingTransfer(
+            src           = src,
+            debitAccount  = debitAccount,
+            creditAccount = creditAccount,
+            amount        = amount,
+            amountStr     = amountStr,
+            remarks       = remarks,
+            transferType  = transferType,
+            currency      = currency,
+            bank          = bank,
+            destDisplay   = destDisplay,
+            destAccount   = destAccount,
+            toBank        = toBank,
+            toAvatar      = toAvatar
+        )
+
+        otpState = OtpState.SELECTING_CHANNEL
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val sess = sessionFor(src)
+            val channels = if (sess != null) {
+                withContext(Dispatchers.IO) {
+                    try { BmlAccountClient().fetchTransferChannels(sess) }
+                    catch (_: Exception) { emptyList() }
+                }
+            } else emptyList<BmlOtpChannel>()
+
+            host?.setRefreshing(false)
+
+            if (channels.isEmpty()) {
+                Toast.makeText(ctx, "Could not load OTP channels", Toast.LENGTH_SHORT).show()
+                resetOtpState()
+                onStateChanged()
+                return@launch
+            }
+
+            showChannelSelection(channels)
+        }
+    }
+
+    private fun showChannelSelection(channels: List<BmlOtpChannel>) {
+        val dp = ctx.resources.displayMetrics.density
+        binding.containerBmlChannels.removeAllViews()
+
+        for (channel in channels) {
+            val iconRes = when (channel.channel) {
+                "email"  -> R.drawable.ic_channel_email
+                "mobile" -> R.drawable.ic_channel_sms
+                else     -> R.drawable.ic_channel_sms
+            }
+            val iconSize = (24 * dp).toInt()
+
+            val textCol = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f).apply {
+                    marginStart = (12 * dp).toInt()
+                }
+            }
+            textCol.addView(TextView(ctx).apply {
+                text = channel.description
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+            })
+            textCol.addView(TextView(ctx).apply {
+                text = channel.masked
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                alpha = 0.6f
+            })
+
+            val row = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+                background = ta.getDrawable(0); ta.recycle()
+                isClickable = true; isFocusable = true
+                val hp = (16 * dp).toInt(); val vp = (12 * dp).toInt()
+                setPadding(hp, vp, hp, vp)
+            }
+            row.addView(ImageView(ctx).apply { setImageResource(iconRes) },
+                LinearLayout.LayoutParams(iconSize, iconSize))
+            row.addView(textCol)
+            row.setOnClickListener { selectOtpChannel(channel) }
+            binding.containerBmlChannels.addView(row)
+        }
+
+        disableTransferFields()
+        binding.layoutBmlChannelSelection.visibility = View.VISIBLE
+    }
+
+    private fun selectOtpChannel(channel: BmlOtpChannel) {
+        otpChannel = channel.channel
+        binding.layoutBmlChannelSelection.visibility = View.GONE
+
+        val pending = pendingTransfer ?: return
+        val sess = sessionFor(pending.src) ?: run {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_session_unavailable), Toast.LENGTH_SHORT).show()
+            resetOtpState()
+            onStateChanged()
+            return
+        }
+
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val initiated = withContext(Dispatchers.IO) {
+                try {
+                    BmlTransferClient().initiateTransfer(
+                        sess, pending.debitAccount, pending.creditAccount,
+                        pending.amount, pending.transferType, pending.currency,
+                        pending.bank, channel.channel
+                    )
+                } catch (_: Exception) { false }
+            }
+            host?.setRefreshing(false)
+
+            if (!initiated) {
+                Toast.makeText(ctx, "Failed to initiate transfer — check your session", Toast.LENGTH_SHORT).show()
+                resetOtpState()
+                onStateChanged()
+                return@launch
+            }
+
+            otpState = OtpState.AWAITING_OTP
+            binding.tvBmlOtpSentVia.text = "OTP code sent via: ${channel.description} (${channel.masked})"
+            binding.tvBmlOtpSentVia.visibility = View.VISIBLE
+            binding.tilBmlOtp.visibility = View.VISIBLE
+            binding.etBmlOtp.requestFocus()
+            binding.btnTransfer.text = ctx.getString(R.string.transfer_verify_payment)
+            binding.btnTransfer.isEnabled = true
+        }
+    }
+
+    /** Send-button action while [isAwaitingOtp]: confirms the pending transfer with the typed code. */
+    fun verifyOtp() {
+        val otp = binding.etBmlOtp.text?.toString()?.trim() ?: ""
+        if (otp.isEmpty()) {
+            binding.tilBmlOtp.error = "Enter the verification code"
+            return
+        }
+        binding.tilBmlOtp.error = null
+        val pending = pendingTransfer ?: return
+        val channel = otpChannel ?: return
+        val sess = sessionFor(pending.src) ?: run {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_session_unavailable), Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        val capturedToAvatar = pending.toAvatar
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val (ok, msg, receipt) = withContext(Dispatchers.IO) {
+                try {
+                    val result = BmlTransferClient().confirmTransfer(
+                        sess, pending.debitAccount, pending.creditAccount,
+                        pending.amount, pending.transferType, pending.currency,
+                        otp, pending.remarks, pending.bank, channel
+                    )
+                    if (result.success) {
+                        val r = TransferReceiptData(
+                            bank         = "BML",
+                            amount       = "%.2f".format(pending.amount),
+                            currency     = pending.currency,
+                            fromLabel    = pending.src.accountBriefName,
+                            fromColorHex = "#0066A1",
+                            toLabel      = pending.destDisplay.ifBlank { pending.destAccount },
+                            toAccount    = pending.destAccount,
+                            toBank       = pending.toBank,
+                            remarks      = pending.remarks,
+                            bmlFromName  = pending.src.accountBriefName,
+                            bmlReference = result.reference,
+                            bmlTimestamp = result.timestamp,
+                            bmlMessage   = result.message
+                        )
+                        Triple(true, "", r)
+                    } else {
+                        Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null as TransferReceiptData?)
+                    }
+                } catch (e: Exception) {
+                    Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null as TransferReceiptData?)
+                }
+            }
+            host?.setRefreshing(false)
+
+            if (ok && receipt != null) {
+                resetOtpState()
+                onTransferSuccess(receipt, capturedToAvatar)
+            } else {
+                binding.btnTransfer.isEnabled = true
+                if (msg == "CONNECTIVITY") {
+                    host?.showConnectivityBanner(ctx.getString(R.string.connectivity_no_internet))
+                } else {
+                    binding.tilBmlOtp.error = msg
+                }
+            }
+        }
+    }
+
+    /** Tears down the OTP UI and re-enables the form. Safe to call when no flow is running. */
+    fun resetOtpState() {
+        otpState = OtpState.NONE
+        otpChannel = null
+        pendingTransfer = null
+        if (fragment.view == null) return
+        binding.layoutBmlChannelSelection.visibility = View.GONE
+        binding.tvBmlOtpSentVia.visibility = View.GONE
+        binding.tilBmlOtp.visibility = View.GONE
+        binding.etBmlOtp.setText("")
+        binding.tilBmlOtp.error = null
+        enableTransferFields()
+        binding.btnTransfer.text = ctx.getString(R.string.transfer)
+    }
+
+    private fun disableTransferFields() {
+        binding.tilAmount.isEnabled = false
+        binding.tilRemarks.isEnabled = false
+        binding.cardFromInfo.alpha = 0.5f
+        binding.btnClearFromInfo.isEnabled = false
+        binding.cardToInfo.alpha = 0.5f
+        binding.btnClearToInfo.isEnabled = false
+    }
+
+    private fun enableTransferFields() {
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.cardFromInfo.alpha = 1f
+        binding.btnClearFromInfo.isEnabled = true
+        binding.cardToInfo.alpha = 1f
+        binding.btnClearToInfo.isEnabled = true
+    }
+
+    // ─── Shared routing ──────────────────────────────────────────────────────
+
+    /**
+     * Picks the BML transfer type and the credit-account identifier the API expects.
+     * Returns null only for the USD → MIB case with no matching saved BML contact, which both
+     * callers report as "BML contact not found".
+     */
+    private fun routeTransfer(
+        destAccount: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>
+    ): Triple<String, String, String?>? {
+        val isDestMyCard = allAccounts.any { isCard(it) && it.accountNumber == destAccount }
+        return when {
+            isSrcCard -> {
+                // CAD: card → own BML account
+                val destBml = allAccounts.firstOrNull { it.accountNumber == destAccount && it.profileType == "BML" }
+                Triple("CAD", destBml?.internalId?.ifBlank { destAccount } ?: destAccount, null)
+            }
+            isDestMyCard -> {
+                // CPA: BML CASA → own card top-up
+                val card = allAccounts.first { isCard(it) && it.accountNumber == destAccount }
+                Triple("CPA", card.internalId.ifBlank { destAccount }, null)
+            }
+            isDestMib && currency == "MVR" -> Triple("DOT", destAccount, "MIB")
+            isDestMib -> {
+                // USD DOT: requires BML contact numeric ID
+                val contact = allContacts.firstOrNull { it.benefCategoryId == "BML" && it.benefAccount == destAccount }
+                    ?: return null
+                Triple("DOT", contact.benefNo.removePrefix("bml_"), null)
+            }
+            else -> Triple("IAT", destAccount, null)
+        }
+    }
+
+    private fun isCard(account: BankAccount) =
+        account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT"
+}

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

@@ -0,0 +1,199 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.view.View
+import androidx.lifecycle.lifecycleScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.dhiraagu.DhiraaguClient
+import sh.sar.basedbank.api.fahipay.OoredooClient
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.util.AccountInputParser
+
+/**
+ * A service a Fahipay wallet can pay out to. The carrier lookup decides which of these apply to
+ * a given number; [label] names it in the recipient card, [destinationLabel] in the confirm
+ * dialog's "To" block.
+ *
+ * Wallet-to-wallet Fahipay transfer is not here yet — there is no send path for it (see the
+ * class KDoc on [FahipayTransferHandler]). Add it as a constant once that lands, and the
+ * exhaustive `when`s over this enum will point at every site that needs updating.
+ */
+enum class FahipayService(val label: String, val destinationLabel: String) {
+    RAASTAS("Raastas", "Ooredoo · Raastas"),
+    OOREDOO_BILL("Ooredoo Bill Pay", "Ooredoo · Bill Pay"),
+    DHIRAAGU_RELOAD("Dhiraagu Reload", "Dhiraagu · Reload"),
+    DHIRAAGU_BILL("Dhiraagu Bill Pay", "Dhiraagu · Bill Pay"),
+}
+
+/**
+ * Owns the Fahipay-only parts of the Transfer screen: the carrier lookup that turns a phone
+ * number into a set of payable services, the chip picker shown when more than one applies, and
+ * the selected service that the confirm dialog labels the destination with.
+ *
+ * Mirrors [BmlTransferHandler] / [MfaisaTransferHandler]: the fragment keeps the shared confirm
+ * dialog, the recipient card and the form state; the handler keeps everything Fahipay-specific.
+ *
+ * **There is no send path yet.** A Fahipay source currently falls through to the MIB branch of
+ * `initiateTransfer`, which signs the request with a MIB session. When the real payout API is
+ * wired up it belongs here, as a `doTransfer(...)` alongside the lookup — same shape as the
+ * other handlers.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment]
+ * (for `viewLifecycleOwner` and Context) — and must be re-created when the view is recreated.
+ */
+class FahipayTransferHandler(
+    private val fragment: TransferFragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+) {
+
+    private val ctx get() = fragment.requireContext()
+
+    /** The service picked for the current recipient; null until a lookup resolves one. */
+    var service: FahipayService? = null
+        private set
+
+    /** How the confirm dialog names the destination, or "" when nothing is selected. */
+    val destinationLabel: String get() = service?.destinationLabel.orEmpty()
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /**
+     * Resolves a destination for a Fahipay source. Only phone numbers are payable, so anything
+     * else is rejected inline on the "To" field.
+     */
+    fun lookupRecipient(rawInput: String) {
+        if (AccountInputParser.detect(rawInput) != AccountInputParser.InputType.PHONE) {
+            binding.tilTo.error = ctx.getString(R.string.transfer_fahipay_phone_only)
+            return
+        }
+        lookupCarrier(rawInput)
+    }
+
+    /** Clears the selected service and hides the chip picker. */
+    fun clearState() {
+        service = null
+        binding.layoutServiceSelector.visibility = View.INVISIBLE
+    }
+
+    // ─── Carrier lookup ──────────────────────────────────────────────────────
+
+    private data class CarrierResult(
+        val dhiraagu: DhiraaguClient.Result,
+        val ooredoo: OoredooClient.CustType
+    )
+
+    private fun lookupCarrier(number: String) {
+        fragment.startLookupLoading()
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) { queryCarriers(number) }
+            fragment.stopLookupLoading()
+
+            val dhiraaguName = result.dhiraagu.ownerName.takeIf { it.isNotBlank() }
+            val services = servicesFor(result)
+
+            if (services.isEmpty()) return@launch
+
+            // Only one option — auto-select, no chip UI needed
+            if (services.size == 1) {
+                selectService(services[0], number, dhiraaguName)
+                return@launch
+            }
+
+            // Multiple options (Ooredoo HYBRID) — show chips
+            showServiceChips(services, number, dhiraaguName)
+        }
+    }
+
+    /**
+     * Asks the likelier carrier first based on the leading digit and only falls back to the
+     * other when the first says it doesn't know the number. Blocking — call from IO.
+     */
+    private fun queryCarriers(number: String): CarrierResult =
+        if (number.startsWith("7")) {
+            // Dhiraagu first, fall back to Ooredoo
+            val d = dhiraagu(number)
+            val o = if (d.type == DhiraaguClient.CustType.UNSUPPORTED) ooredoo(number)
+                    else OoredooClient.CustType.UNSUPPORTED
+            CarrierResult(d, o)
+        } else {
+            // Ooredoo first, fall back to Dhiraagu
+            val o = ooredoo(number)
+            val d = if (o == OoredooClient.CustType.UNSUPPORTED) dhiraagu(number)
+                    else DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED)
+            CarrierResult(d, o)
+        }
+
+    private fun dhiraagu(number: String) =
+        try { DhiraaguClient().validateNumber(number) }
+        catch (_: Exception) { DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED) }
+
+    private fun ooredoo(number: String) =
+        try { OoredooClient().validateNumber(number) }
+        catch (_: Exception) { OoredooClient.CustType.UNSUPPORTED }
+
+    private fun servicesFor(result: CarrierResult): List<FahipayService> = buildList {
+        if (result.dhiraagu.type == DhiraaguClient.CustType.RELOAD)   add(FahipayService.DHIRAAGU_RELOAD)
+        if (result.dhiraagu.type == DhiraaguClient.CustType.BILL_PAY) add(FahipayService.DHIRAAGU_BILL)
+        if (result.ooredoo == OoredooClient.CustType.PRE  || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.RAASTAS)
+        if (result.ooredoo == OoredooClient.CustType.POST || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.OOREDOO_BILL)
+    }
+
+    // ─── Service picker ──────────────────────────────────────────────────────
+
+    private fun showServiceChips(
+        services: List<FahipayService>,
+        number: String,
+        dhiraaguName: String?
+    ) {
+        binding.chipDhiraaguReload.visibility = visibilityFor(FahipayService.DHIRAAGU_RELOAD in services)
+        binding.chipDhiraaguBill.visibility   = visibilityFor(FahipayService.DHIRAAGU_BILL   in services)
+        binding.chipRaastas.visibility        = visibilityFor(FahipayService.RAASTAS         in services)
+        binding.chipOoredooBill.visibility    = visibilityFor(FahipayService.OOREDOO_BILL    in services)
+        binding.layoutServiceSelector.visibility = View.VISIBLE
+        binding.chipGroupService.clearCheck()
+
+        // Dhiraagu is the only carrier that hands back an owner name, so the Ooredoo chips
+        // resolve their display name from saved contacts instead.
+        bindChip(binding.chipDhiraaguReload, FahipayService.DHIRAAGU_RELOAD, number, dhiraaguName)
+        bindChip(binding.chipDhiraaguBill,   FahipayService.DHIRAAGU_BILL,   number, dhiraaguName)
+        bindChip(binding.chipRaastas,        FahipayService.RAASTAS,         number, null)
+        bindChip(binding.chipOoredooBill,    FahipayService.OOREDOO_BILL,    number, null)
+    }
+
+    private fun bindChip(
+        chip: com.google.android.material.chip.Chip,
+        picked: FahipayService,
+        number: String,
+        ownerName: String?
+    ) {
+        chip.setOnCheckedChangeListener { _, checked ->
+            if (checked) {
+                selectService(picked, number, ownerName)
+                binding.layoutServiceSelector.visibility = View.INVISIBLE
+            }
+        }
+    }
+
+    private fun visibilityFor(shown: Boolean) = if (shown) View.VISIBLE else View.GONE
+
+    private fun selectService(picked: FahipayService, number: String, ownerName: String?) {
+        service = picked
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val displayName = ownerName
+            ?: contacts.firstOrNull { it.benefAccount == number }?.benefNickName
+            ?: number
+        fragment.prefillToDirectly(
+            accountNumber = number,
+            displayName   = displayName,
+            subtitle      = "${picked.label} · $number",
+            colorHex      = "#FF6B00",
+            imageHash     = null
+        )
+        fragment.focusAmount()
+    }
+}

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

@@ -8,6 +8,7 @@ import android.view.View
 import android.widget.LinearLayout
 import android.widget.TextView
 import android.widget.Toast
+import androidx.appcompat.app.AlertDialog
 import androidx.biometric.BiometricManager
 import androidx.biometric.BiometricPrompt
 import androidx.core.content.ContextCompat
@@ -22,6 +23,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mfaisa.MfaisaInvalidOtpException
+import sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient
 import sh.sar.basedbank.api.mfaisa.MfaisaRecipientNotFoundException
 import sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException
 import sh.sar.basedbank.api.mfaisa.MfaisaTransferClient
@@ -37,16 +39,25 @@ import sh.sar.basedbank.util.RecentsCache
 
 /**
  * Owns the M-Faisa-only parts of the Transfer screen: phone-based recipient lookup,
- * initiate-with-OTP, and confirm-with-OTP. Lives alongside [sh.sar.basedbank.ui.home.TransferFragment]
- * which dispatches to it whenever [BankAccount.bank] == "MFAISA" is the selected source.
+ * initiate-with-OTP and confirm-with-OTP for wallet transfers, plus merchant QR pay
+ * (qrCodeId lookup + initiate/confirm purchase). Lives alongside [TransferFragment] which
+ * dispatches to it whenever [BankAccount.bank] == "MFAISA" is the selected source, or whenever
+ * an M-Faisa merchant QR is loaded.
+ *
+ * Mirrors [BmlTransferHandler]: the fragment keeps the shared confirm dialog, the recipient card
+ * and the form state; the handler keeps everything M-Faisa-specific.
  *
  * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
  * [Fragment.viewLifecycleOwner] and Context) — and must be re-created when the view is recreated.
  */
 class MfaisaTransferHandler(
-    private val fragment: Fragment,
+    private val fragment: TransferFragment,
     private val binding: FragmentTransferBinding,
     private val viewModel: HomeViewModel,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+    /** Asks the fragment to make [BankAccount] the source (amount prefix + from-card + Send state). */
+    private val selectSource: (BankAccount) -> Unit,
     /** Hook called when M-Faisa successfully resolves or clears a recipient — fragment uses this to update Send-button state. */
     private val onRecipientChanged: () -> Unit,
     /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes account balances. */
@@ -55,11 +66,16 @@ class MfaisaTransferHandler(
 
     private val app get() = fragment.requireActivity().application as BasedBankApp
     private val ctx get() = fragment.requireContext()
+    private val host get() = fragment.activity as? HomeActivity
 
     /** Set to the resolved recipient after a successful search; null otherwise. */
     var recipient: MfaisaTransferClient.Recipient? = null
         private set
 
+    /** Merchant QR payment mode (set when the scanned QR is an M-Faisa qrCodeId). */
+    var qrInfo: MfaisaQrPayClient.QrMerchant? = null
+        private set
+
     private var lookupInFlight = false
 
     // ─── Public API the fragment calls ───────────────────────────────────────
@@ -80,7 +96,7 @@ class MfaisaTransferHandler(
         }
         binding.tilTo.error = null
 
-        val source = currentSource() ?: return
+        val source = mfaisaSource() ?: return
         val session = app.mfaisaSessionFor(source) ?: run {
             Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
             return
@@ -105,6 +121,7 @@ class MfaisaTransferHandler(
                 } else {
                     recipient = result
                     showResolvedRecipient(result)
+                    fragment.focusAmount()
                 }
             } catch (_: MfaisaRecipientNotFoundException) {
                 binding.tilTo.error = "No M-Faisa wallet found for this number"
@@ -122,7 +139,7 @@ class MfaisaTransferHandler(
 
     /** Triggered when the user taps the Send button (and source bank is MFAISA). */
     fun submit() {
-        val source = currentSource() ?: return
+        val source = mfaisaSource() ?: return
         val r = recipient ?: run {
             Toast.makeText(ctx, "Search for a recipient first", Toast.LENGTH_SHORT).show()
             return
@@ -153,20 +170,232 @@ class MfaisaTransferHandler(
         }
     }
 
+    /** Whether a merchant QR is loaded — counts as a resolved recipient for the Send button. */
+    val hasQrMerchant: Boolean get() = qrInfo != null
+
     /** Called when the source account changes away from M-Faisa (or the view tears down). */
     fun clearState() {
         recipient = null
         lookupInFlight = false
     }
 
+    /** Drops the loaded merchant and unlocks the amount/remarks fields the QR mode had frozen. */
+    fun clearQrMerchant() {
+        if (qrInfo == null) return
+        qrInfo = null
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
+        binding.etAmount.setText("")
+    }
+
+    // ─── Merchant QR ─────────────────────────────────────────────────────────
+
+    /**
+     * Resolves an M-Faisa qrCodeId to a merchant, paints it in the "To" card, auto-selects an
+     * M-Faisa source if none is selected (or the current one is the wrong bank), and pre-fills
+     * the amount if the QR is dynamic.
+     */
+    fun lookupQrMerchant(qrCodeId: String) {
+        val source = mfaisaSource() ?: run {
+            Toast.makeText(ctx, "No M-Faisa account available", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        // Auto-switch from a non-MFAISA source so the user doesn't have to fix it manually
+        if (currentSource()?.bank != "MFAISA") selectSource(source)
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val merchant = withContext(Dispatchers.IO) {
+                try {
+                    MfaisaQrPayClient().fetchQrDetails(session, qrCodeId)
+                } catch (_: MfaisaSessionExpiredException) {
+                    val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                        ?: return@withContext null
+                    try { MfaisaQrPayClient().fetchQrDetails(fresh, qrCodeId) }
+                    catch (_: Exception) { null }
+                } catch (_: Exception) { null }
+            }
+            host?.setRefreshing(false)
+            if (merchant == null) {
+                Toast.makeText(ctx, "Could not look up M-Faisa QR", Toast.LENGTH_LONG).show()
+                fragment.resetToFieldVisibility()
+                return@launch
+            }
+            qrInfo = merchant
+
+            // Static QRs (no preset amount) make sense to keep in Recents — the merchant is
+            // reusable. Dynamic QRs are one-off so we skip them, same rule as BML QR pay.
+            if (merchant.txnAmount.isNullOrBlank()) {
+                RecentsCache.save(ctx, RecentPick(
+                    accountNumber = "mfaisaqr:${merchant.qrCodeId}",
+                    displayName   = merchant.merchantName,
+                    subtitle      = "M-Faisa merchant · ${merchant.merchantMsisdn}",
+                    colorHex      = "#ED1C24",
+                    imageHash     = null,
+                    isProfileImage = false,
+                    bank          = "MFAISA"
+                ))
+            }
+
+            // Show merchant in the "To" card — clear button is the only way to back out
+            binding.tvToAccountName.text = merchant.merchantName
+            binding.tvToBankBic.text = "M-Faisa merchant · ${merchant.merchantMsisdn}"
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+            binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill + lock amount if the QR is dynamic
+            val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
+            if (dynamicAmount != null && dynamicAmount > 0.0) {
+                binding.etAmount.setText("%.2f".format(dynamicAmount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            onRecipientChanged()
+        }
+    }
+
+    /**
+     * Confirm-then-pay for a loaded merchant QR. Uses the fragment's shared confirm dialog —
+     * the /initiateNewBuy + /confirmNewBuy pair does NOT require OTP for wallet QR pay
+     * (2FARequired=NONE), so unlike [submit] there is no code to enter.
+     */
+    fun submitQrPayment() {
+        val merchant = qrInfo ?: return
+        val src = currentSource() ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        if (src.bank != "MFAISA") {
+            Toast.makeText(ctx, "Switch to an M-Faisa account to pay this QR", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+        val amountValue = "%.2f".format(amount)
+
+        val confirmView = fragment.buildTransferConfirmView(
+            amountCurrency = merchant.currencyCode,
+            amountValue = amountValue,
+            fromName = src.accountBriefName,
+            fromNumber = src.accountNumber,
+            fromDetail = "M-Faisa",
+            toName = merchant.merchantName,
+            toNumber = merchant.merchantMsisdn,
+            toDetail = "Ooredoo M-Faisa merchant"
+        )
+        fragment.showConfirmWithBiometric(
+            title = ctx.getString(R.string.transfer),
+            customView = confirmView,
+            biometricSubtitle = "${merchant.currencyCode} $amountValue → ${merchant.merchantName}",
+            onConfirmed = { dialog, frame ->
+                fragment.showProcessingInDialog(dialog, frame)
+                executeQrPayment(src, merchant, amountValue, remarks, dialog)
+            }
+        )
+    }
+
+    private fun executeQrPayment(
+        src: BankAccount,
+        merchant: MfaisaQrPayClient.QrMerchant,
+        amountStr: String,
+        remarks: String,
+        dialog: AlertDialog
+    ) {
+        val loginId = src.loginTag.removePrefix("mfaisa_")
+        val initialSession = app.mfaisaSessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        // M-Faisa expects the user's MSISDN with the "960" country prefix (the session stores the
+        // bare 7-digit form). The pocket itself is identified by [BankAccount.accountNumber].
+        val sourceMdn = "960${initialSession.msisdn}"
+
+        binding.btnTransfer.isEnabled = false
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val outcome = withContext(Dispatchers.IO) {
+                val client = MfaisaQrPayClient()
+                try {
+                    val refId = try {
+                        client.initiatePurchase(initialSession, src.accountNumber, sourceMdn, merchant, amountStr, remarks)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.initiatePurchase(fresh, src.accountNumber, "960${fresh.msisdn}", merchant, amountStr, remarks)
+                    }
+                    val confirmSession = app.mfaisaSessionFor(src) ?: initialSession
+                    try {
+                        client.confirmPurchase(confirmSession, refId)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.confirmPurchase(fresh, refId)
+                    }
+                    Result.success(refId)
+                } catch (e: Exception) {
+                    Result.failure<String>(e)
+                }
+            }
+            if (fragment.view == null) return@launch
+
+            outcome.fold(
+                onSuccess = { _ ->
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountStr,
+                        currency     = merchant.currencyCode,
+                        fromLabel    = src.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = merchant.merchantName,
+                        toAccount    = merchant.merchantMsisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Merchant payment",
+                        mfaisaFromName        = src.accountBriefName,
+                        mfaisaFromMsisdn      = src.accountNumber,
+                        mfaisaToMsisdn        = merchant.merchantMsisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    dialog.dismiss()
+                    onTransferSuccess(receipt, null)
+                },
+                onFailure = { e ->
+                    dialog.dismiss()
+                    binding.btnTransfer.isEnabled = true
+                    showError(e, fallback = "Payment failed")
+                }
+            )
+        }
+    }
+
     // ─── Internal ────────────────────────────────────────────────────────────
 
-    private fun currentSource(): BankAccount? =
-        viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" && it.accountNumber == sourceAccountNumberFromCard() }
-            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }  // fallback if from-card field isn't easily readable
-
-    private fun sourceAccountNumberFromCard(): String =
-        binding.tvFromAccountNumber.text?.toString().orEmpty()
+    /**
+     * The M-Faisa account to act on: the selected source when it is one, otherwise the first
+     * M-Faisa account available. The fallback is what lets a scanned merchant QR auto-switch
+     * the source away from another bank.
+     */
+    private fun mfaisaSource(): BankAccount? =
+        currentSource()?.takeIf { it.bank == "MFAISA" }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }
 
     private fun showResolvedRecipient(r: MfaisaTransferClient.Recipient) {
         // Reuse the same recipient card the fragment uses for other banks. The fragment owns the
@@ -241,7 +470,6 @@ class MfaisaTransferHandler(
         refId: String,
         errorMsg: String?
     ) {
-        val tf = fragment as? TransferFragment ?: return
         val view = fragment.view ?: return
         val dp = ctx.resources.displayMetrics.density
         val colorMuted = MaterialColors.getColor(
@@ -250,7 +478,7 @@ class MfaisaTransferHandler(
             view, com.google.android.material.R.attr.colorOutlineVariant, Color.LTGRAY)
 
         val amountValue = try { "%.2f".format(amountStr.toDouble()) } catch (_: Exception) { amountStr }
-        val confirmView = tf.buildTransferConfirmView(
+        val confirmView = fragment.buildTransferConfirmView(
             amountCurrency = "MVR",
             amountValue    = amountValue,
             fromName       = source.accountBriefName,
@@ -415,11 +643,11 @@ class MfaisaTransferHandler(
         }
     }
 
-    private fun showError(e: Exception) {
+    private fun showError(e: Throwable, fallback: String = "Transfer failed") {
         val msg = when {
             e is java.io.IOException -> ctx.getString(R.string.connectivity_no_internet)
             !e.message.isNullOrBlank() -> e.message!!
-            else -> "Transfer failed"
+            else -> fallback
         }
         Toast.makeText(ctx, msg, Toast.LENGTH_LONG).show()
     }

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

@@ -0,0 +1,173 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import android.util.Base64
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibIpsAccountInfo
+import sh.sar.basedbank.api.mib.MibLookupException
+import sh.sar.basedbank.api.mib.MibSession
+import sh.sar.basedbank.api.mib.MibTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.AccountInputParser
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.Totp
+
+/**
+ * Owns the MIB-only parts of the Transfer screen: session resolution, IPS destination lookup,
+ * the transfer itself (profile switch + TOTP + `MibTransferClient`), and the profile/contact
+ * avatar API that every bank's "To" card borrows.
+ *
+ * Unlike [BmlTransferHandler] and [MfaisaTransferHandler] this one holds no view binding and
+ * paints nothing — every method is either a session accessor or a blocking API call meant for
+ * `Dispatchers.IO`. [sh.sar.basedbank.ui.home.TransferFragment] keeps the coroutine plumbing and
+ * the view updates, so this handler can outlive a view recreation.
+ */
+class MibTransferHandler(
+    private val fragment: Fragment,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+
+    /** The selected source's MIB session, falling back to any logged-in MIB session. */
+    val session: MibSession?
+        get() = currentSource()?.let { app.mibSessionFor(it) } ?: app.anyMibSession()
+
+    /** Any logged-in MIB session, ignoring which source is selected. */
+    val anySession: MibSession? get() = app.anyMibSession()
+
+    // ─── Destination lookup ──────────────────────────────────────────────────
+
+    /** Either a resolved destination or the message to show the user — never both. */
+    data class LookupOutcome(val info: MibIpsAccountInfo?, val error: String?)
+
+    /**
+     * IPS lookup for a destination account/alias. Blocking — call from IO.
+     * A missing MIB session is reported as "account not found", same as a failed lookup.
+     */
+    fun lookupDestination(accountNumber: String): LookupOutcome {
+        val sess = session ?: return LookupOutcome(null, notFound())
+        return try {
+            LookupOutcome(MibTransferClient().lookup(sess, accountNumber), null)
+        } catch (e: MibLookupException) {
+            LookupOutcome(null, e.message)
+        } catch (_: Exception) {
+            LookupOutcome(null, notFound())
+        }
+    }
+
+    /**
+     * Currency-only lookup, used to enrich a BML "verify MIB account" result — that endpoint
+     * resolves the name but not the currency. Blocking; returns "" when it can't be determined.
+     */
+    fun lookupCurrency(accountNumber: String): String {
+        val sess = session ?: return ""
+        return try { MibTransferClient().lookup(sess, accountNumber).currency }
+        catch (_: Exception) { "" }
+    }
+
+    private fun notFound() = ctx.getString(R.string.transfer_account_not_found)
+
+    // ─── Avatars ─────────────────────────────────────────────────────────────
+
+    /**
+     * Fetches and decodes a profile image (P41, [isProfile] true) or a saved contact's image.
+     * Blocking — call from IO. Returns null on any failure, including a missing image.
+     *
+     * The session is passed in rather than read from [session] because callers differ: the "To"
+     * card uses the selected source's session, the account dropdown uses [anySession].
+     */
+    fun fetchAvatar(session: MibSession, hash: String, isProfile: Boolean): Bitmap? = try {
+        val base64 = if (isProfile) {
+            app.anyMibFlow()?.fetchProfileImage(session, hash)
+        } else {
+            MibContactsClient().fetchProfileImageBase64(session, hash)
+        }
+        if (base64 == null) null else {
+            val bytes = Base64.decode(base64, Base64.DEFAULT)
+            BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+        }
+    } catch (_: Exception) { null }
+
+    // ─── Transfer ────────────────────────────────────────────────────────────
+
+    /**
+     * Switches to the profile that owns [src], then runs the transfer with a freshly generated
+     * TOTP. Blocking — call from IO. Returns `(ok, message, receipt)`; the message is
+     * "CONNECTIVITY" when the network was unreachable.
+     */
+    fun doTransfer(
+        src: BankAccount,
+        destAccount: String,
+        destName: String,
+        destDisplay: String,
+        amount: String,
+        remarks: String,
+        bankName: String
+    ): Triple<Boolean, String, TransferReceiptData?> {
+        val sess = session ?: return Triple(false, ctx.getString(R.string.transfer_session_unavailable), null)
+        val loginId = src.loginTag.removePrefix("mib_")
+        val otp = CredentialStore(ctx).loadMibCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: return Triple(false, "OTP unavailable", null)
+        val currencyCode = if (src.currencyName == "USD") "840" else "462"
+        val currency = if (src.currencyName == "USD") "USD" else "MVR"
+        val isDestMib = AccountInputParser.detect(destAccount) == AccountInputParser.InputType.MIB_ACCOUNT
+        val bankNo = if (isDestMib) 2 else 3
+        val toBank = when {
+            isDestMib -> "MIB"
+            else -> when (bankName.uppercase()) {
+                "MALBMVMV" -> "BML"
+                "MADVMVMV" -> "MIB"
+                else -> bankName.ifBlank { "LOCAL" }
+            }
+        }
+        return try {
+            // Switch to the profile that owns the source account
+            if (src.profileId.isNotBlank()) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                val profile = profiles.firstOrNull { it.profileId == src.profileId }
+                if (profile != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
+            }
+            val result = MibTransferClient().transfer(
+                session = sess,
+                fromAccount = src.accountNumber,
+                toAccount = destAccount,
+                amount = amount,
+                currencyCode = currencyCode,
+                benefName = destName.ifBlank { "Recipient" },
+                bankNo = bankNo,
+                purpose = remarks,
+                otp = otp
+            )
+            if (result.success) {
+                val receipt = TransferReceiptData(
+                    bank = "MIB",
+                    amount = "%.2f".format(amount.toDoubleOrNull() ?: 0.0),
+                    currency = currency,
+                    fromLabel = src.accountBriefName,
+                    fromColorHex = "#FE860E",
+                    fromProfileImageHash = src.profileImageHash,
+                    toLabel = destDisplay.ifBlank { destName },
+                    toAccount = destAccount,
+                    toBank = toBank,
+                    remarks = remarks,
+                    mibReferenceNo = result.trxId,
+                    mibTransactionDate = result.date
+                )
+                Triple(true, "BankTransaction ID: ${result.trxId}\n${result.date}", receipt)
+            } else {
+                Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null)
+            }
+        } catch (e: Exception) {
+            Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null)
+        }
+    }
+}

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

@@ -212,6 +212,7 @@ class CredentialsFragment : Fragment() {
             val remaining = 30 - secondsInPeriod
 
             binding.tvOtpCode.text = otp
+            binding.tvNextOtpCode.text = Totp.generate(seed, periodOffset = 1)
             binding.otpTimer.max = 30
             binding.otpTimer.progress = remaining
             binding.cardOtp.visibility = View.VISIBLE

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

@@ -0,0 +1,85 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONObject
+import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import java.io.File
+
+/**
+ * Encrypted directory of account number → real account-holder name and currency, looked up through BML's
+ * account validation. Saved contacts often carry a nickname, while bank history only shows the
+ * real name; this lets a name-only transfer be matched to the right account.
+ */
+object AccountNameStore {
+
+    private const val FILE_NAME = "account_names.json"
+    private val lock = Any()
+
+    /** Names are re-checked after this long, in case an account changes hands. */
+    private const val REFRESH_AFTER_MS = 30L * 24 * 60 * 60 * 1000
+    /** Failed lookups (closed or foreign accounts) are retried after this long. */
+    private const val RETRY_FAILED_AFTER_MS = 24L * 60 * 60 * 1000
+    /** Upper bound on lookups per call, so a big contact list is resolved over several syncs. */
+    private const val MAX_LOOKUPS_PER_RUN = 20
+
+    data class Info(val name: String, val currency: String)
+
+    private data class Entry(val name: String, val currency: String, val checkedAt: Long)
+
+    /** Account number → real name and currency, for every account resolved so far. */
+    fun all(context: Context): Map<String, Info> = synchronized(lock) {
+        load(context).filterValues { it.name.isNotBlank() }.mapValues { Info(it.value.name, it.value.currency) }
+    }
+
+    /** Looks up names for [accounts] that are unknown or stale. Network I/O — call on Dispatchers.IO. */
+    fun resolve(context: Context, session: BmlSession, accounts: Collection<String>) {
+        val now = System.currentTimeMillis()
+        val known = synchronized(lock) { load(context) }
+        val due = accounts.filter { it.isNotBlank() }.distinct().filter { account ->
+            val e = known[account] ?: return@filter true
+            val age = now - e.checkedAt
+            if (e.name.isBlank()) age > RETRY_FAILED_AFTER_MS else age > REFRESH_AFTER_MS
+        }.take(MAX_LOOKUPS_PER_RUN)
+        if (due.isEmpty()) return
+
+        val client = BmlValidateClient()
+        // null = network error: leave the account due for next time. A failed lookup is stored blank.
+        val found = due.associateWith { account ->
+            try {
+                val v = client.validateAccount(session, account)
+                Entry(v?.name?.trim().orEmpty(), v?.currency.orEmpty(), now)
+            } catch (_: Exception) { null }
+        }
+
+        synchronized(lock) {
+            val current = load(context).toMutableMap()
+            found.forEach { (account, entry) -> if (entry != null) current[account] = entry }
+            save(context, current)
+        }
+    }
+
+    fun clearAll(context: Context) = synchronized(lock) { File(context.filesDir, FILE_NAME).delete() }
+
+    private fun load(context: Context): Map<String, Entry> {
+        val file = File(context.filesDir, FILE_NAME)
+        if (!file.exists()) return emptyMap()
+        return try {
+            val root = JSONObject(CacheEncryption.decrypt(file.readText()))
+            root.keys().asSequence().associateWith { key ->
+                val o = root.getJSONObject(key)
+                Entry(o.optString("name"), o.optString("currency"), o.optLong("checkedAt", 0L))
+            }
+        } catch (_: Exception) { emptyMap() }
+    }
+
+    private fun save(context: Context, entries: Map<String, Entry>) {
+        try {
+            val root = JSONObject()
+            entries.forEach { (account, e) ->
+                root.put(account, JSONObject().put("name", e.name).put("currency", e.currency).put("checkedAt", e.checkedAt))
+            }
+            File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(root.toString()))
+        } catch (_: Exception) {}
+    }
+}

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

@@ -0,0 +1,524 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.bml.BmlNotificationsClient
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.ui.home.AppNotification
+import sh.sar.basedbank.ui.home.AccountHistoryAdapter
+import java.io.File
+import java.text.SimpleDateFormat
+import java.util.Calendar
+import java.util.Date
+import java.util.Locale
+
+/**
+ * One transfer shown as a chat bubble. BML history only carries the counterparty's name, so
+ * [peerKey] is the normalised name; [ChatStore.threads] groups by the account holder's real name.
+ */
+data class ChatMessage(
+    val id: String,
+    val peerKey: String,
+    val peerName: String,
+    val amount: Double,              // negative = sent, positive = received
+    val currency: String,
+    val timeMillis: Long,
+    val accountNumber: String,       // own account the money moved in/out of
+    val accountDisplayName: String,
+    val reference: String = "",
+    val note: String = "",           // remarks — only known for transfers sent from this app
+    val peerAccount: String = "",    // only known for transfers sent from this app
+    val receiptKey: String = "",     // ReceiptStore entry (its savedAt) for transfers sent from this app
+    val dateOnly: Boolean = false,   // bank gave only a date (Favara); time of day unknown
+    val merchant: Boolean = false    // card / Scan to Pay payment to a business, not a person
+) {
+    val isSent get() = amount < 0
+    /** In BML's account history (✓✓); otherwise only seen in a notification or receipt so far (✓). */
+    val isBooked get() = id.startsWith("bml_")
+    /** "yyyy-MM-dd HH:mm:ss", the format AccountHistoryAdapter's date helpers expect. */
+    val date: String get() = DATE_FMT.format(Date(timeMillis))
+
+    companion object {
+        private val DATE_FMT = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    }
+}
+
+/** One of a person's accounts that can be sent to from their chat. */
+data class ChatAccount(
+    val account: String,
+    val currency: String,            // "MVR", "USD"; blank if not known yet
+    val contact: BankContact?        // saved contact for this account, if any
+)
+
+data class ChatThread(
+    val peerKey: String,             // "name:<normalised real name>" or "shop:<normalised business name>"
+    val peerName: String,            // contact nickname, else the real name
+    val realName: String,            // account holder's name as the bank knows it; may be blank
+    val accounts: List<ChatAccount>, // empty = no known account, sending from the chat is disabled
+    val messages: List<ChatMessage>, // oldest first
+    val isMerchant: Boolean = false  // a business paid by card / Scan to Pay; nothing to send to
+) {
+    val last get() = messages.last()
+    val contact: BankContact? get() = accounts.firstNotNullOfOrNull { it.contact }
+    /** The account last sent to, else the first known one; blank when none is known. */
+    val peerAccount: String get() =
+        messages.lastOrNull { it.isSent && it.peerAccount.isNotBlank() }?.peerAccount
+            ?.takeIf { a -> accounts.any { it.account == a } }
+            ?: accounts.firstOrNull()?.account.orEmpty()
+}
+
+/**
+ * Encrypted local record of BML transfers and card / Scan to Pay payments, shown as chats.
+ *
+ * Old history is never loaded: the first call to [sync] only stamps the start time, and every
+ * later sync keeps transfers newer than it. Each sync reads BML's transfer notifications (instant),
+ * pages back through the latest history of every BML current/savings account (booked later), and
+ * merges in receipts of transfers sent from this app, keeping one message per transfer.
+ */
+object ChatStore {
+
+    private const val FILE_NAME = "chats.json"
+    private const val PINS_FILE_NAME = "chat_pins.json"
+    private const val QR_FILE_NAME = "chat_merchant_qr.json"
+    /** Prefix [RecentsCache] uses for static BML merchant QRs the user has paid. */
+    private const val RECENT_QR_PREFIX = "bmlqr:"
+    private val lock = Any()
+
+    private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
+    private val TRANSFER_TYPES = setOf("Transfer Debit", "Transfer Credit", "Favara Debit", "Favara Credit")
+    /** Card and Scan to Pay payments; narrative2 is the business name. */
+    private val MERCHANT_TYPES = setOf("Purchase")
+
+    /** "You have received MVR 5.00 from NAME to 7730*****1234" */
+    private val NOTIF_RECEIVED = Regex("""You have received ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (.+) to (\S+)""")
+    /** "You have sent MVR 5.00 from 7730*****1234 to NAME" */
+    private val NOTIF_SENT = Regex("""You have sent ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
+    /** "You have paid MVR 5.00 from 4xxx********xxxx to BUSINESS" (Scan to Pay / card); the name may be cut short. */
+    private val NOTIF_PAID = Regex("""You have paid ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
+    /** Masked own account or card in notifications, e.g. "7730*****1234". */
+    private val MASKED_ACCOUNT = Regex("""(\d{3,})\*+(\d{3,})""")
+
+    /** How far apart two records of the same transfer can be timestamped. */
+    private const val MATCH_WINDOW_MS = 15 * 60 * 1000L
+
+    /** Upper bound on history pages fetched per account in one sync. */
+    private const val MAX_PAGES_PER_SYNC = 5
+
+    private const val NAME_KEY_PREFIX = "name:"
+    private const val MERCHANT_KEY_PREFIX = "shop:"
+
+    private data class State(val sinceMillis: Long, val messages: List<ChatMessage>)
+
+    fun normalise(name: String) = name.trim().replace(Regex("\\s+"), " ").lowercase(Locale.US)
+
+    fun sinceMillis(context: Context): Long = synchronized(lock) { load(context).sinceMillis }
+
+    fun isStarted(context: Context) = sinceMillis(context) > 0L
+
+    /**
+     * Groups stored messages into chats, most recent chat first. Call off the main thread.
+     *
+     * Chats are per person, keyed by the account holder's real name: bank history only names the
+     * sender, never their account, so money can't be told apart per account anyway. Every known
+     * account with that real name (saved contacts, accounts sent to) belongs to the chat, and the
+     * user picks which one to send to — typically their MVR or USD account.
+     *
+     * Real names come from [AccountNameStore], so a contact saved as "Ali" joins the
+     * "Mohamed Ali" chat.
+     */
+    fun threads(context: Context, contacts: List<BankContact>): List<ChatThread> {
+        val messages = synchronized(lock) { load(context).messages }
+        val lookedUp = AccountNameStore.all(context)
+        val contactsByAccount = contacts.filter { it.benefAccount.isNotBlank() }.associateBy { it.benefAccount }
+
+        fun realNameOf(account: String): String? =
+            lookedUp[account]?.name?.takeIf { it.isNotBlank() }
+                ?: contactsByAccount[account]?.benefName?.takeIf { it.isNotBlank() }
+
+        // Notifications cut business names short ("FAMILY ROOM" for "FAMILY ROOM COFFEE"); file a
+        // short name under the longest known name it starts.
+        val merchantNames = messages.filter { it.merchant }.map { it.peerKey }.toSet()
+        fun merchantKey(name: String) =
+            merchantNames.filter { it.startsWith(name) }.maxByOrNull { it.length } ?: name
+
+        fun keyOf(m: ChatMessage): String {
+            if (m.merchant) return MERCHANT_KEY_PREFIX + merchantKey(m.peerKey)
+            val name = m.peerAccount.takeIf { it.isNotBlank() }?.let(::realNameOf) ?: m.peerName
+            return NAME_KEY_PREFIX + normalise(name)
+        }
+
+        // Every known account, grouped under its holder's real name.
+        val accountsByKey = HashMap<String, LinkedHashMap<String, ChatAccount>>()
+        fun addAccount(account: String, fallbackCurrency: String) {
+            val name = realNameOf(account) ?: return
+            val contact = contactsByAccount[account]
+            val currency = lookedUp[account]?.currency?.takeIf { it.isNotBlank() }
+                ?: contact?.transferCyDesc?.takeIf { it.isNotBlank() } ?: fallbackCurrency
+            accountsByKey.getOrPut(NAME_KEY_PREFIX + normalise(name)) { LinkedHashMap() }
+                .getOrPut(account) { ChatAccount(account, currency, contact) }
+        }
+        contactsByAccount.keys.forEach { addAccount(it, "") }
+        messages.filter { it.peerAccount.isNotBlank() }.forEach { addAccount(it.peerAccount, it.currency) }
+
+        return messages.groupBy(::keyOf).map { (key, msgs) ->
+            val sorted = msgs.sortedBy { it.timeMillis }
+            if (key.startsWith(MERCHANT_KEY_PREFIX)) {
+                // History carries the full business name; notifications may not.
+                val name = sorted.lastOrNull { it.id.startsWith("bml_") }?.peerName
+                    ?: sorted.maxByOrNull { it.peerName.length }!!.peerName
+                return@map ChatThread(key, name, "", emptyList(), sorted, isMerchant = true)
+            }
+            val accounts = accountsByKey[key]?.values?.toList().orEmpty()
+            // Bank history and the account lookup carry the real name; a receipt only has our label.
+            val realName = accounts.firstNotNullOfOrNull { lookedUp[it.account]?.name?.takeIf { n -> n.isNotBlank() } }
+                ?: sorted.lastOrNull { !it.id.startsWith("rcpt_") }?.peerName
+                ?: accounts.firstNotNullOfOrNull { it.contact?.benefName?.takeIf { n -> n.isNotBlank() } }
+                ?: ""
+            val nickname = accounts.firstNotNullOfOrNull { it.contact?.benefNickName?.takeIf { n -> n.isNotBlank() } }
+            ChatThread(
+                peerKey  = key,
+                peerName = nickname ?: realName.takeIf { it.isNotBlank() } ?: sorted.last().peerName,
+                realName = realName,
+                accounts = accounts,
+                messages = sorted
+            )
+        }.sortedByDescending { it.last.timeMillis }
+    }
+
+    /** Fetches new transfers and stores them. Does network and file I/O — call on Dispatchers.IO. */
+    suspend fun sync(context: Context, app: BasedBankApp, accounts: List<BankAccount>, contacts: List<BankContact>) {
+        val state = synchronized(lock) { load(context) }
+        if (state.sinceMillis == 0L) {
+            synchronized(lock) { save(context, State(System.currentTimeMillis(), emptyList())) }
+            return
+        }
+        val since = state.sinceMillis
+
+        val history = fetchHistory(app, accounts, since, state.messages.mapTo(HashSet()) { it.id })
+        val notifications = fetchNotifications(context, app, accounts, since)
+        val receipts = receiptMessages(context, accounts, since)
+
+        synchronized(lock) {
+            val current = load(context)
+            save(context, current.copy(messages = merge(current.messages, history + notifications + receipts)))
+        }
+
+        // Learn real names for contacts and people we've sent to, so name-only transfers match them.
+        val session = app.anyBmlSession() ?: return
+        val sentTo = synchronized(lock) { load(context).messages.map { it.peerAccount } }
+        // SWIFT (foreign) beneficiaries can't be looked up through BML.
+        val toResolve = contacts.filter { it.benefType != "S" }.map { it.benefAccount } + sentTo
+        AccountNameStore.resolve(context, session, toResolve)
+    }
+
+    /**
+     * Transfers from account history. BML only adds a transaction here once it is booked (often
+     * the next day), so recent ones come from [fetchNotifications] first.
+     */
+    private suspend fun fetchHistory(
+        app: BasedBankApp,
+        accounts: List<BankAccount>,
+        since: Long,
+        knownIds: Set<String>
+    ): List<ChatMessage> {
+        val fetched = mutableListOf<ChatMessage>()
+        for (account in accounts.filter { it.bank == "BML" && it.profileType !in CARD_OR_LOAN }) {
+            val fetcher = HistoryFetcher(account)
+            var pages = 0
+            // Page back until we reach transfers we already have or ones older than the start time.
+            while (pages < MAX_PAGES_PER_SYNC && fetcher.hasMore()) {
+                val page = try { fetcher.fetchNextPage(app) } catch (_: Exception) { break }
+                pages++
+                if (page.isEmpty()) break
+                var reachedKnown = false
+                for (trx in page) {
+                    val time = AccountHistoryAdapter.parseDateMillis(trx.date)
+                    if (time in 1 until startOfDay(since) || "bml_${trx.id}" in knownIds) reachedKnown = true
+                    trx.toChatMessage(time, since)?.let { fetched += it }
+                }
+                if (reachedKnown) break
+            }
+        }
+        return fetched
+    }
+
+    private fun sh.sar.basedbank.api.models.BankTransaction.toChatMessage(time: Long, since: Long): ChatMessage? {
+        val name = counterpartyName?.trim().orEmpty()
+        val merchant = description in MERCHANT_TYPES
+        if ((description !in TRANSFER_TYPES && !merchant) || name.isBlank()) return null
+        // Favara (other-bank) entries carry only a date; keep those from the start day onwards.
+        val dateOnly = date.contains("T00:00:00")
+        if (if (dateOnly) time < startOfDay(since) else time < since) return null
+        return ChatMessage(
+            id                 = "bml_$id",
+            peerKey            = normalise(name),
+            peerName           = name,
+            amount             = amount,
+            currency           = currency,
+            timeMillis         = time,
+            accountNumber      = accountNumber,
+            accountDisplayName = accountDisplayName,
+            reference          = reference.orEmpty(),
+            dateOnly           = dateOnly,
+            merchant           = merchant
+        )
+    }
+
+    /**
+     * Transfers from BML's "Funds Received" / "Funds Transferred" notifications, which arrive
+     * instantly. Uses the notifications the app has cached plus a fresh first page; the fresh page
+     * is not written back to the cache, which the notification poller uses to spot new alerts.
+     */
+    private fun fetchNotifications(
+        context: Context,
+        app: BasedBankApp,
+        accounts: List<BankAccount>,
+        since: Long
+    ): List<ChatMessage> {
+        val client = BmlNotificationsClient()
+        val notifications = LinkedHashMap<String, AppNotification>()
+        for ((loginId, session) in app.bmlSessions.toMap()) {
+            NotificationsCache.loadBml(context, loginId).forEach { notifications[it.id] = it }
+            try { client.fetchNotifications(session, loginId, page = 1).items.forEach { notifications[it.id] = it } }
+            catch (_: Exception) {}
+        }
+        return notifications.values
+            .filter { it.timestampMs >= since }
+            .mapNotNull { notificationToMessage(it, accounts) }
+    }
+
+    private fun notificationToMessage(n: AppNotification, accounts: List<BankAccount>): ChatMessage? {
+        val text = n.message.trim()
+        val received = NOTIF_RECEIVED.matchEntire(text)
+        val sent = if (received == null) NOTIF_SENT.matchEntire(text) else null
+        val paid = if (received == null && sent == null) NOTIF_PAID.matchEntire(text) else null
+        val (currency, amountText, name, ownMasked) = when {
+            received != null -> received.destructured.let { (c, a, who, own) -> listOf(c, a, who, own) }
+            sent != null -> sent.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
+            paid != null -> paid.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
+            else -> return null
+        }
+        if (MASKED_ACCOUNT.matches(name.trim())) return null  // between the user's own accounts
+        val amount = amountText.replace(",", "").toDoubleOrNull() ?: return null
+        val own = MASKED_ACCOUNT.matchEntire(ownMasked)?.let { m ->
+            val (head, tail) = m.destructured
+            accounts.firstOrNull { it.bank == "BML" && it.accountNumber.startsWith(head) && it.accountNumber.endsWith(tail) }
+        }
+        return ChatMessage(
+            id                 = "ntf_${n.id}",
+            peerKey            = normalise(name),
+            peerName           = name.trim(),
+            amount             = if (received != null) amount else -amount,
+            currency           = currency,
+            timeMillis         = n.timestampMs,
+            accountNumber      = own?.accountNumber.orEmpty(),
+            accountDisplayName = own?.accountBriefName ?: "•••• ${ownMasked.takeLast(4)}",
+            merchant           = paid != null
+        )
+    }
+
+    /** Transfers sent from this app, from their saved receipts: these carry the note and slip. */
+    private fun receiptMessages(context: Context, accounts: List<BankAccount>, since: Long): List<ChatMessage> =
+        ReceiptStore.loadAll(context).mapNotNull { entry ->
+            val r = entry.data
+            if (r.bank != "BML" || entry.savedAt < since) return@mapNotNull null
+            val amount = r.amount.toDoubleOrNull() ?: return@mapNotNull null
+            val time = AccountHistoryAdapter.parseDateMillis(r.bmlTimestamp).takeIf { it > 0L } ?: entry.savedAt
+            val from = accounts.firstOrNull { it.bank == "BML" && it.accountBriefName == r.fromLabel }
+            ChatMessage(
+                id                 = "rcpt_${r.bmlReference.ifBlank { entry.savedAt.toString() }}",
+                peerKey            = normalise(r.toLabel),
+                peerName           = r.toLabel,
+                amount             = -amount,
+                currency           = r.currency,
+                timeMillis         = time,
+                accountNumber      = from?.accountNumber.orEmpty(),
+                accountDisplayName = r.fromLabel,
+                reference          = r.bmlReference,
+                note               = r.remarks,
+                peerAccount        = r.toAccount,
+                receiptKey         = entry.savedAt.toString()
+            )
+        }
+
+    /**
+     * Merges stored and newly fetched messages so each transfer appears once. The same transfer can
+     * come from history, a notification and a receipt; the highest-ranked source is kept (history,
+     * then notification, then receipt) and picks up what the others add: the exact time, the note,
+     * the recipient account and the receipt.
+     */
+    private fun merge(existing: List<ChatMessage>, incoming: List<ChatMessage>): List<ChatMessage> {
+        val byId = LinkedHashMap<String, ChatMessage>()
+        incoming.forEach { byId[it.id] = it }
+        existing.forEach { byId[it.id] = it }  // stored copies already carry merged details
+
+        val kept = mutableListOf<ChatMessage>()
+        val absorbed = HashMap<String, MutableSet<Int>>()  // kept id -> source ranks merged into it
+        for (candidate in byId.values.sortedWith(compareBy({ rank(it) }, { it.timeMillis }))) {
+            val r = rank(candidate)
+            val index = kept.indexOfFirst { k ->
+                rank(k) < r && r !in absorbed[k.id].orEmpty() && sameTransfer(k, candidate)
+            }
+            if (index >= 0) {
+                val k = kept[index]
+                kept[index] = k.copy(
+                    timeMillis    = if (k.dateOnly && !candidate.dateOnly) candidate.timeMillis else k.timeMillis,
+                    dateOnly      = k.dateOnly && candidate.dateOnly,
+                    accountNumber = k.accountNumber.ifBlank { candidate.accountNumber },
+                    reference     = k.reference.ifBlank { candidate.reference },
+                    note          = k.note.ifBlank { candidate.note },
+                    peerAccount   = k.peerAccount.ifBlank { candidate.peerAccount },
+                    receiptKey    = k.receiptKey.ifBlank { candidate.receiptKey },
+                    merchant      = k.merchant || candidate.merchant
+                )
+                absorbed.getOrPut(k.id) { mutableSetOf() } += r
+            } else {
+                kept += candidate
+            }
+        }
+        return kept.sortedBy { it.timeMillis }
+    }
+
+    private fun rank(m: ChatMessage) = when {
+        m.id.startsWith("bml_") -> 0
+        m.id.startsWith("ntf_") -> 1
+        else -> 2
+    }
+
+    private fun sameTransfer(a: ChatMessage, b: ChatMessage): Boolean {
+        if (a.reference.isNotBlank() && a.reference == b.reference) return true
+        if (a.isSent != b.isSent || kotlin.math.abs(a.amount - b.amount) >= 0.005) return false
+        // A payment to a business is never the same as a transfer to a person (receipts aren't tagged).
+        val receipt = a.id.startsWith("rcpt_") || b.id.startsWith("rcpt_")
+        if (!receipt && a.merchant != b.merchant) return false
+        if (a.currency.isNotBlank() && b.currency.isNotBlank() && !a.currency.equals(b.currency, ignoreCase = true)) return false
+        if (a.accountNumber.isNotBlank() && b.accountNumber.isNotBlank() && a.accountNumber != b.accountNumber) return false
+        if (a.dateOnly || b.dateOnly) {
+            // A date-only entry could be any transfer that day, so the names must agree too.
+            if (startOfDay(a.timeMillis) != startOfDay(b.timeMillis)) return false
+            return receipt || a.peerKey == b.peerKey || a.peerKey.contains(b.peerKey) || b.peerKey.contains(a.peerKey)
+        }
+        return kotlin.math.abs(a.timeMillis - b.timeMillis) <= MATCH_WINDOW_MS
+    }
+
+    private fun startOfDay(millis: Long): Long = Calendar.getInstance().apply {
+        timeInMillis = millis
+        set(Calendar.HOUR_OF_DAY, 0); set(Calendar.MINUTE, 0); set(Calendar.SECOND, 0); set(Calendar.MILLISECOND, 0)
+    }.timeInMillis
+
+    fun clearAll(context: Context) = synchronized(lock) {
+        File(context.filesDir, FILE_NAME).delete()
+        File(context.filesDir, PINS_FILE_NAME).delete()
+        File(context.filesDir, QR_FILE_NAME).delete()
+    }
+
+    // ─── Saved merchant QRs ───────────────────────────────────────────────────
+
+    /**
+     * The static QR (no preset amount) last paid at the business named [merchantName], or null.
+     * The app already remembers such QRs among its recents, but only the last few; they are
+     * copied here so a business's QR is kept for good. Call off the main thread.
+     */
+    fun merchantQr(context: Context, merchantName: String): String? = synchronized(lock) {
+        val file = File(context.filesDir, QR_FILE_NAME)
+        val saved = try {
+            if (!file.exists()) JSONObject() else JSONObject(CacheEncryption.decrypt(file.readText()))
+        } catch (_: Exception) { JSONObject() }
+        var changed = false
+        for (recent in RecentsCache.load(context)) {
+            if (!recent.accountNumber.startsWith(RECENT_QR_PREFIX)) continue
+            val key = normalise(recent.displayName)
+            val url = recent.accountNumber.removePrefix(RECENT_QR_PREFIX)
+            if (key.isNotBlank() && saved.optString(key) != url) { saved.put(key, url); changed = true }
+        }
+        if (changed) try { file.writeText(CacheEncryption.encrypt(saved.toString())) } catch (_: Exception) {}
+
+        // Names differ slightly between the QR, history and alerts; accept one starting the other.
+        val name = normalise(merchantName)
+        val keys = saved.keys().asSequence().toList()
+        val match = keys.firstOrNull { it == name }
+            ?: keys.filter { it.startsWith(name) || name.startsWith(it) }.maxByOrNull { it.length }
+        match?.let { saved.optString(it).takeIf { url -> url.isNotBlank() } }
+    }
+
+    // ─── Pinned chats ─────────────────────────────────────────────────────────
+
+    /** Pinned chat keys, most recently pinned first. */
+    fun pins(context: Context): List<String> = synchronized(lock) {
+        val file = File(context.filesDir, PINS_FILE_NAME)
+        if (!file.exists()) return emptyList()
+        try {
+            val arr = JSONArray(CacheEncryption.decrypt(file.readText()))
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun setPinned(context: Context, peerKey: String, pinned: Boolean) {
+        val current = pins(context).filter { it != peerKey }
+        val updated = if (pinned) listOf(peerKey) + current else current
+        synchronized(lock) {
+            try {
+                File(context.filesDir, PINS_FILE_NAME)
+                    .writeText(CacheEncryption.encrypt(JSONArray(updated).toString()))
+            } catch (_: Exception) {}
+        }
+    }
+
+    private fun load(context: Context): State {
+        val file = File(context.filesDir, FILE_NAME)
+        if (!file.exists()) return State(0L, emptyList())
+        return try {
+            val root = JSONObject(CacheEncryption.decrypt(file.readText()))
+            val arr = root.optJSONArray("messages") ?: JSONArray()
+            State(
+                sinceMillis = root.optLong("since", 0L),
+                messages = (0 until arr.length()).map { i ->
+                    val o = arr.getJSONObject(i)
+                    ChatMessage(
+                        id                 = o.optString("id"),
+                        peerKey            = o.optString("peerKey"),
+                        peerName           = o.optString("peerName"),
+                        amount             = o.optDouble("amount", 0.0),
+                        currency           = o.optString("currency"),
+                        timeMillis         = o.optLong("time", 0L),
+                        accountNumber      = o.optString("account"),
+                        accountDisplayName = o.optString("accountName"),
+                        reference          = o.optString("reference"),
+                        note               = o.optString("note"),
+                        peerAccount        = o.optString("peerAccount"),
+                        receiptKey         = o.optString("receiptKey"),
+                        dateOnly           = o.optBoolean("dateOnly", false),
+                        merchant           = o.optBoolean("merchant", false)
+                    )
+                }
+            )
+        } catch (_: Exception) { State(0L, emptyList()) }
+    }
+
+    private fun save(context: Context, state: State) {
+        try {
+            val arr = JSONArray()
+            for (m in state.messages) arr.put(JSONObject().apply {
+                put("id",          m.id)
+                put("peerKey",     m.peerKey)
+                put("peerName",    m.peerName)
+                put("amount",      m.amount)
+                put("currency",    m.currency)
+                put("time",        m.timeMillis)
+                put("account",     m.accountNumber)
+                put("accountName", m.accountDisplayName)
+                put("reference",   m.reference)
+                put("note",        m.note)
+                put("peerAccount", m.peerAccount)
+                put("receiptKey",  m.receiptKey)
+                put("dateOnly",    m.dateOnly)
+                put("merchant",    m.merchant)
+            })
+            val root = JSONObject().put("since", state.sinceMillis).put("messages", arr)
+            File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(root.toString()))
+        } catch (_: Exception) {}
+    }
+}

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

@@ -13,6 +13,8 @@ data class ContactDisplay(
     val network: TransferNetwork,
     val bankColor: String,
     val detail: String?,          // pre-formatted "Name · CCY · Bank" line; null = hide row
+    val bankName: String?,        // shown in the contact details sheet; null = hide row
+    val currency: String?,        // shown in the contact details sheet; null = hide row
     val imageHash: String?,
     val profileId: String,        // MIB profile ID or BML loginTag (needed by ContactManager)
     val transferSubtitle: String, // "Bank · accountNumber" shown in transfer screen

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

@@ -14,6 +14,11 @@ import javax.crypto.spec.GCMParameterSpec
 
 class CredentialStore(context: Context) {
 
+    companion object {
+        /** Same format as BankAccount.loginTag / MibCard.loginTag, e.g. "bml_<loginId>". */
+        fun loginKey(bank: String, loginId: String) = "${bank}_$loginId"
+    }
+
     private val prefs = context.getSharedPreferences("credential_store", Context.MODE_PRIVATE)
     private val keyAlias = "basedbank_credential_key"
     private val transformation = "AES/GCM/NoPadding"
@@ -23,6 +28,37 @@ class CredentialStore(context: Context) {
     data class FahipayCredentials(val idCard: String, val password: String)
     data class MfaisaCredentials(val msisdn: String, val pin: String)
 
+    // ── Cross-bank login order (keys are login tags, see loginKey) ──────────
+
+    /** User-chosen order of all logins; logins not yet ordered (e.g. newly added) follow, bank by bank. */
+    fun getLoginOrder(): List<String> {
+        val all = getMibLoginIds().map { loginKey("mib", it) } +
+            getBmlLoginIds().map { loginKey("bml", it) } +
+            getFahipayLoginIds().map { loginKey("fahipay", it) } +
+            getMfaisaLoginIds().map { loginKey("mfaisa", it) }
+        val saved = try {
+            val arr = org.json.JSONArray(prefs.getString("login_order", null) ?: "[]")
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+        return saved.filter { it in all } + all.filter { it !in saved }
+    }
+
+    /** Position of a login tag in [getLoginOrder]; unknown tags sort last. */
+    fun loginRank(): (String) -> Int {
+        val order = getLoginOrder()
+        return { tag -> order.indexOf(tag).let { if (it < 0) Int.MAX_VALUE else it } }
+    }
+
+    /** Saves the combined order and keeps each bank's own login list in the same relative order. */
+    fun setLoginOrder(keys: List<String>) {
+        prefs.edit().putString("login_order", org.json.JSONArray(keys).toString()).apply()
+        fun idsFor(bank: String) = keys.filter { it.startsWith("${bank}_") }.map { it.removePrefix("${bank}_") }
+        setMibLoginIds(idsFor("mib"))
+        setBmlLoginIds(idsFor("bml"))
+        setFahipayLoginIds(idsFor("fahipay"))
+        setMfaisaLoginIds(idsFor("mfaisa"))
+    }
+
     // ── MIB login credentials (multi-login, keyed by loginId = username) ─────
 
     fun getMibLoginIds(): List<String> {
@@ -36,6 +72,11 @@ class CredentialStore(context: Context) {
 
     fun hasMibCredentials(): Boolean = getMibLoginIds().isNotEmpty()
 
+    fun setMibLoginIds(order: List<String>) {
+        if (order.toSet() != getMibLoginIds().toSet()) return
+        prefs.edit().putString("mib_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addMibLoginId(loginId: String) {
         val ids = getMibLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -160,6 +201,11 @@ class CredentialStore(context: Context) {
 
     fun hasBmlCredentials(): Boolean = getBmlLoginIds().isNotEmpty()
 
+    fun setBmlLoginIds(order: List<String>) {
+        if (order.toSet() != getBmlLoginIds().toSet()) return
+        prefs.edit().putString("bml_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addBmlLoginId(loginId: String) {
         val ids = getBmlLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -316,6 +362,11 @@ class CredentialStore(context: Context) {
 
     fun hasFahipayCredentials(): Boolean = getFahipayLoginIds().isNotEmpty()
 
+    fun setFahipayLoginIds(order: List<String>) {
+        if (order.toSet() != getFahipayLoginIds().toSet()) return
+        prefs.edit().putString("fahipay_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addFahipayLoginId(loginId: String) {
         val ids = getFahipayLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -473,6 +524,11 @@ class CredentialStore(context: Context) {
 
     fun hasMfaisaCredentials(): Boolean = getMfaisaLoginIds().isNotEmpty()
 
+    fun setMfaisaLoginIds(order: List<String>) {
+        if (order.toSet() != getMfaisaLoginIds().toSet()) return
+        prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addMfaisaLoginId(loginId: String) {
         val ids = getMfaisaLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -764,6 +820,15 @@ class CredentialStore(context: Context) {
     fun setHiddenMibProfileIds(loginId: String, ids: Set<String>) =
         prefs.edit().putStringSet("mib_${loginId}_hidden_profile_ids", ids).apply()
 
+    // ── Per-account visibility (account numbers are globally unique) ─────────
+
+    /** Returns the set of account numbers the user has chosen to hide, across all logins. */
+    fun getHiddenAccountNumbers(): Set<String> =
+        prefs.getStringSet("hidden_account_numbers", emptySet()) ?: emptySet()
+
+    fun setHiddenAccountNumbers(accountNumbers: Set<String>) =
+        prefs.edit().putStringSet("hidden_account_numbers", accountNumbers).apply()
+
     // ── Crypto primitives ─────────────────────────────────────────────────────
 
     private fun getOrCreateKey(): SecretKey {

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

@@ -9,22 +9,58 @@ data class PaymvQrData(
 
 object PaymvQrParser {
 
+    private const val BML_GATEWAY_PREFIX = "https://pay.bml.com.mv/app/"
+    private const val BML_EBANKING_PREFIX = "https://ebanking.bankofmaldives.com.mv/qrpay/"
+    private const val BML_POS_DOMAIN = "mv.com.bml.qtr"
+
     /**
-     * Returns the BML gateway URL if [raw] is or contains one, otherwise null.
-     * Handles both plain URL QRs and combined EMV QRs (e.g. Fahipay+BML card QR).
-     * For combined EMV QRs the URL is parsed from TLV (root tag 35 → sub-tag 20 → sub-sub-tag 01)
-     * rather than via regex, to avoid greedily consuming subsequent EMV tag bytes.
+     * Returns the value to hand to the BML QR payment flow, or null when [raw] is not a BML QR.
+     *
+     * Three shapes exist:
+     *  - plain URL QRs — the QR text is the gateway short link or an ebanking `qrpay` link;
+     *  - combined EMV QRs (e.g. Fahipay+BML card QRs), which carry the full gateway URL in TLV at
+     *    `35` → `20` → `01`;
+     *  - BML POS QRs (supplementary data domain `mv.com.bml.qtr`), where the same TLV path holds a
+     *    bare reference such as `02:<32 hex>` rather than a URL. Those return the whole EMV payload,
+     *    which [bmlPayRequestKey] then reduces back to the reference the lookup wants.
+     *
+     * The TLV is walked rather than regex-matched so a URL cannot greedily swallow the EMV tags
+     * that follow it.
      */
-    fun extractBmlGatewayUrl(raw: String): String? {
-        if (raw.startsWith("https://pay.bml.com.mv/app/")) return raw
-        return try {
-            val root = parseTlv(raw)
-            val bmlMerchantInfo = root["35"]?.let { parseTlv(it) } ?: return null
-            val inner = bmlMerchantInfo["20"]?.let { parseTlv(it) } ?: return null
-            inner["01"]?.takeIf { it.startsWith("https://pay.bml.com.mv/app/") }
-        } catch (_: Exception) {
-            null
-        }
+    fun bmlQrPayTarget(raw: String): String? {
+        if (raw.startsWith(BML_GATEWAY_PREFIX) || raw.startsWith(BML_EBANKING_PREFIX)) return raw
+        val ref = bmlQrReference(raw) ?: return null
+        if (ref.startsWith("https://")) return ref.takeIf { it.startsWith(BML_GATEWAY_PREFIX) }
+        // A bare reference only means a BML POS QR when the supplementary domain says so; anything
+        // else keeps falling through to the PayMV parse, as it did before POS QRs existed.
+        return raw.takeIf { supplementaryDomain(it)?.startsWith(BML_POS_DOMAIN) == true }
+    }
+
+    /** TLV `80` → `00` — the supplementary data domain (`mv.favara.mpqr`, `mv.com.bml.qtr`, …). */
+    private fun supplementaryDomain(raw: String): String? = try {
+        parseTlv(raw)["80"]?.let { parseTlv(it) }?.get("00")
+    } catch (_: Exception) {
+        null
+    }
+
+    /** TLV `35` → `20` → `01` — the BML payment reference carried inside an EMV QR. */
+    private fun bmlQrReference(raw: String): String? = try {
+        val merchantInfo = parseTlv(raw)["35"]?.let { parseTlv(it) }
+        val inner = merchantInfo?.get("20")?.let { parseTlv(it) }
+        inner?.get("01")?.takeIf { it.isNotBlank() }
+    } catch (_: Exception) {
+        null
+    }
+
+    /**
+     * The `payrequest` lookup key for [target] (a value returned by [bmlQrPayTarget]), to be
+     * Base64-encoded into the URL. URL QRs resolve under the URL itself; POS QRs resolve under the
+     * bare `35` → `20` → `01` reference (the whole EMV payload is rejected with code 112,
+     * "Unsupported payment link").
+     */
+    fun bmlPayRequestKey(target: String): String {
+        if (target.startsWith("https://")) return target
+        return bmlQrReference(target) ?: target
     }
 
     fun parse(raw: String): PaymvQrData? {

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

@@ -9,10 +9,11 @@ object Totp {
     /**
      * Generate a 6-digit TOTP code from a Base32-encoded secret (RFC 6238 / RFC 4226).
      * Uses HmacSHA1, 30-second window, 6 digits — matching standard authenticator apps.
+     * [periodOffset] shifts the time window, e.g. 1 yields the next code.
      */
-    fun generate(base32Secret: String, digits: Int = 6, periodSeconds: Long = 30): String {
+    fun generate(base32Secret: String, digits: Int = 6, periodSeconds: Long = 30, periodOffset: Long = 0): String {
         val key = base32Decode(base32Secret.uppercase().replace(" ", "").replace("-", ""))
-        val counter = System.currentTimeMillis() / 1000L / periodSeconds
+        val counter = System.currentTimeMillis() / 1000L / periodSeconds + periodOffset
         val otp = hotp(key, counter, digits)
         return otp.toString().padStart(digits, '0')
     }

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

@@ -36,9 +36,9 @@ object BmlCardParser {
         "C8902", "C8907", "C8909", "C8912", "C8992", "C8996", "C8997", "C8982", "C8983" -> "cards/bml/master_islamic.png"
         "C8101" -> "cards/bml/master_masveriyaa.png"
         "C8102" -> "cards/bml/master_odiveriyaa.png"
-        "C8010", "C8011" -> "cards/bml/master_platinum.png"
+        "C8010", "C8011", "C8033" -> "cards/bml/master_platinum.png"
         "C8040", "C8044" -> "cards/bml/master_world.png"
-        "C8030", "C8033" -> "cards/bml/master_business_debit.png"
+        "C8030" -> "cards/bml/master_business_debit.png"
         "C8901", "C8991", "C8980", "C8981" -> "cards/bml/master_passport.png"
         "C1090", "C1130", "C1033", "C1133" -> "cards/bml/visa_corporate.png"
         "C8905", "C8995" -> "cards/bml/visa_credit.png"

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

@@ -15,6 +15,8 @@ object BmlContactParser {
         network          = TransferNetwork.BML,
         bankColor        = contact.bankColor,
         detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+        bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+        currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
         imageHash        = contact.customerImgHash,
         profileId        = contact.profileId,
         transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayContactParser.kt

@@ -15,6 +15,8 @@ object FahipayContactParser {
         network          = TransferNetwork.FAHIPAY,
         bankColor        = contact.bankColor,
         detail           = null,   // Fahipay contacts show no detail line
+        bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+        currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
         imageHash        = contact.customerImgHash,
         profileId        = contact.profileId,
         transferSubtitle = contact.benefAccount,

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

@@ -21,6 +21,8 @@ object MibContactParser {
             network          = network,
             bankColor        = contact.bankColor,
             detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+            bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+            currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
             imageHash        = contact.customerImgHash,
             profileId        = contact.profileId,
             transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <corners android:radius="10dp" />
+    <stroke android:width="1dp" android:color="?attr/colorOutline" />
+</shape>

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <corners android:radius="14dp" />
+    <solid android:color="?attr/colorSurfaceContainerHigh" />
+</shape>

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

@@ -0,0 +1,9 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M20,2H4c-1.1,0 -2,0.9 -2,2v18l4,-4h14c1.1,0 2,-0.9 2,-2V4c0,-1.1 -0.9,-2 -2,-2zM6,9h12v2H6V9zM14,14H6v-2h8v2zM18,8H6V6h12v2z"/>
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/black"
+        android:pathData="M11.8,10.9c-2.27,-0.59 -3,-1.2 -3,-2.15 0,-1.09 1.01,-1.85 2.7,-1.85 1.78,0 2.44,0.85 2.5,2.1h2.21c-0.07,-1.72 -1.12,-3.3 -3.21,-3.81V3h-3v2.16c-1.94,0.42 -3.5,1.68 -3.5,3.61 0,2.31 1.91,3.46 4.7,4.13 2.5,0.6 3,1.48 3,2.41 0,0.69 -0.49,1.79 -2.7,1.79 -2.06,0 -2.87,-0.92 -2.98,-2.1h-2.2c0.12,2.19 1.76,3.42 3.68,3.83V21h3v-2.15c1.95,-0.37 3.5,-1.5 3.5,-3.55 0,-2.84 -2.43,-3.61 -4.7,-4.2z" />
+</vector>

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

@@ -0,0 +1,9 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M16,12V4h1V2H7v2h1v8l-2,2v2h5.2v6h1.6v-6H18v-2l-2,-2z" />
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/black"
+        android:pathData="M3,11h8V3H3V11zM5,5h4v4H5V5zM3,21h8v-8H3V21zM5,15h4v4H5V15zM13,3v8h8V3H13zM19,9h-4V5h4V9zM19,19h2v2h-2V19zM13,13h2v2h-2V13zM15,15h2v2h-2V15zM13,17h2v2h-2V17zM15,19h2v2h-2V19zM17,17h2v2h-2V17zM17,13h2v2h-2V13zM19,15h2v2h-2V15z" />
+</vector>

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

@@ -0,0 +1,9 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M19.5,3.5L18,2l-1.5,1.5L15,2l-1.5,1.5L12,2l-1.5,1.5L9,2 7.5,3.5 6,2 4.5,3.5 3,2v20l1.5,-1.5L6,22l1.5,-1.5L9,22l1.5,-1.5L12,22l1.5,-1.5L15,22l1.5,-1.5L18,22l1.5,-1.5L21,22V2l-1.5,1.5zM19,19.09H5V4.91h14v14.18zM6,15h12v2H6zM6,11h12v2H6zM6,7h12v2H6z"/>
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M4,7h16v2H4V7zM4,11h16v2H4v-2zM4,15h16v2H4v-2z"/>
+</vector>

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

@@ -0,0 +1,12 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/transparent"
+        android:strokeColor="#FFFFFFFF"
+        android:strokeWidth="2"
+        android:strokeLineJoin="round"
+        android:pathData="M4,9l1.5,-5h13L20,9M4,9v11h16V9M4,9h16M9,20v-6h6v6" />
+</vector>

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

@@ -0,0 +1,330 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    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:orientation="vertical">
+
+    <LinearLayout
+        android:id="@+id/toAccountBar"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:background="?attr/colorSecondaryContainer"
+        android:foreground="?attr/selectableItemBackground"
+        android:gravity="center_vertical"
+        android:orientation="horizontal"
+        android:paddingHorizontal="16dp"
+        android:paddingVertical="10dp"
+        android:visibility="gone">
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginEnd="8dp"
+            android:text="@string/chat_to"
+            android:textAppearance="?attr/textAppearanceLabelMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+        <LinearLayout
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvToAccount"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodyLarge"
+                android:textColor="?attr/colorOnSurface" />
+
+            <TextView
+                android:id="@+id/tvToNickname"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:visibility="gone" />
+
+        </LinearLayout>
+
+        <TextView
+            android:id="@+id/tvToCurrency"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:background="@drawable/bg_chat_chip"
+            android:paddingHorizontal="10dp"
+            android:paddingVertical="3dp"
+            android:textAppearance="?attr/textAppearanceLabelLarge"
+            android:textColor="?attr/colorOnSurface" />
+
+        <ImageView
+            android:id="@+id/ivToSwitch"
+            android:layout_width="24dp"
+            android:layout_height="24dp"
+            android:layout_marginStart="8dp"
+            android:rotation="90"
+            android:src="@drawable/ic_arrow_right"
+            android:importantForAccessibility="no" />
+
+    </LinearLayout>
+
+    <com.google.android.material.divider.MaterialDivider
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <LinearLayout
+        android:id="@+id/saveContactBar"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:background="?attr/colorSurfaceContainerHigh"
+        android:gravity="center_vertical"
+        android:orientation="horizontal"
+        android:paddingStart="16dp"
+        android:paddingEnd="8dp"
+        android:visibility="gone">
+
+        <TextView
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:text="@string/chat_not_in_contacts"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSaveContact"
+            style="@style/Widget.Material3.Button.TextButton"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/chat_save_contact" />
+
+    </LinearLayout>
+
+    <LinearLayout
+        android:id="@+id/summaryCard"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:background="@drawable/bg_chat_summary"
+        android:orientation="horizontal"
+        android:paddingHorizontal="14dp"
+        android:paddingVertical="10dp"
+        android:visibility="gone">
+
+        <LinearLayout
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn2"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn3"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textColor="?attr/colorOnSurface"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+    <androidx.recyclerview.widget.RecyclerView
+        android:id="@+id/rvMessages"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:clipToPadding="false"
+        android:paddingHorizontal="12dp"
+        android:paddingVertical="8dp" />
+
+    <com.google.android.material.divider.MaterialDivider
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <TextView
+        android:id="@+id/tvCannotSend"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:padding="16dp"
+        android:gravity="center"
+        android:text="@string/chat_cannot_send"
+        android:textAppearance="?attr/textAppearanceBodySmall"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        android:visibility="gone" />
+
+    <LinearLayout
+        android:id="@+id/composer"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingHorizontal="12dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="8dp">
+
+        <TextView
+            android:id="@+id/tvCurrencyWarning"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="4dp"
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorError"
+            android:visibility="gone" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnFrom"
+            style="@style/Widget.Material3.Button.TonalButton"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:gravity="start|center_vertical"
+            android:ellipsize="middle"
+            android:maxLines="1"
+            android:textColor="?attr/colorOnSecondaryContainer"
+            app:icon="@drawable/ic_arrow_right"
+            app:iconGravity="end"
+            app:iconSize="16dp"
+            app:iconTint="?attr/colorOnSecondaryContainer" />
+
+        <LinearLayout
+            android:id="@+id/amountRow"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="4dp"
+            android:gravity="center_vertical"
+            android:orientation="horizontal">
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilAmount"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1.2"
+                android:hint="@string/chat_amount"
+                app:boxCornerRadiusBottomEnd="28dp"
+                app:boxCornerRadiusBottomStart="28dp"
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
+
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etAmount"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:imeOptions="actionNext"
+                    android:inputType="numberDecimal"
+                    android:maxLines="1" />
+
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilNote"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp"
+                android:layout_weight="1"
+                android:hint="@string/chat_note"
+                app:boxCornerRadiusBottomEnd="28dp"
+                app:boxCornerRadiusBottomStart="28dp"
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
+
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etNote"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:imeOptions="actionSend"
+                    android:inputType="textCapSentences"
+                    android:maxLines="1" />
+
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnSend"
+                style="@style/Widget.Material3.Button.Icon"
+                android:layout_width="wrap_content"
+                android:layout_height="56dp"
+                android:layout_marginStart="8dp"
+                android:layout_marginTop="4dp"
+                android:text="@string/chat_send"
+                app:cornerRadius="28dp"
+                app:icon="@drawable/ic_send"
+                app:iconGravity="textEnd" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+    <!-- Hosts the Transfer page off-screen when only its confirm dialog is wanted. -->
+    <FrameLayout
+        android:id="@+id/hiddenTransferHost"
+        android:layout_width="0dp"
+        android:layout_height="0dp"
+        android:visibility="gone" />
+
+    <com.google.android.material.button.MaterialButton
+        android:id="@+id/btnPayAgain"
+        style="@style/Widget.Material3.Button"
+        android:layout_width="match_parent"
+        android:layout_height="56dp"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginVertical="12dp"
+        android:text="@string/chat_pay_again"
+        android:visibility="gone"
+        app:cornerRadius="28dp" />
+
+</LinearLayout>

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

@@ -0,0 +1,81 @@
+<?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">
+
+<LinearLayout
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical">
+
+    <com.google.android.material.textfield.TextInputLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:layout_marginBottom="4dp"
+        style="@style/Widget.MaterialComponents.TextInputLayout.OutlinedBox.Dense"
+        app:startIconDrawable="@android:drawable/ic_menu_search"
+        app:boxCornerRadiusTopStart="24dp"
+        app:boxCornerRadiusTopEnd="24dp"
+        app:boxCornerRadiusBottomStart="24dp"
+        app:boxCornerRadiusBottomEnd="24dp">
+
+        <com.google.android.material.textfield.TextInputEditText
+            android:id="@+id/etSearch"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:hint="@string/chats_search_hint"
+            android:inputType="text"
+            android:maxLines="1"
+            android:imeOptions="actionSearch" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <androidx.swiperefreshlayout.widget.SwipeRefreshLayout
+        android:id="@+id/swipeRefresh"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1">
+
+        <FrameLayout
+            android:layout_width="match_parent"
+            android:layout_height="match_parent">
+
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvChats"
+                android:layout_width="match_parent"
+                android:layout_height="match_parent"
+                android:clipToPadding="false"
+                android:paddingTop="4dp"
+                android:paddingBottom="65dp" />
+
+            <TextView
+                android:id="@+id/emptyView"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="center"
+                android:layout_marginHorizontal="32dp"
+                android:gravity="center"
+                android:textAppearance="?attr/textAppearanceBodyMedium"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:visibility="gone" />
+
+        </FrameLayout>
+
+    </androidx.swiperefreshlayout.widget.SwipeRefreshLayout>
+
+</LinearLayout>
+
+    <com.google.android.material.floatingactionbutton.FloatingActionButton
+        android:id="@+id/fabScanPay"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="bottom|start"
+        android:layout_margin="16dp"
+        android:contentDescription="@string/chat_scan_to_pay"
+        app:srcCompat="@drawable/ic_qr_scan" />
+
+</FrameLayout>

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

@@ -175,6 +175,32 @@
 
                 </LinearLayout>
 
+                <LinearLayout
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginEnd="16dp"
+                    android:orientation="vertical"
+                    android:gravity="end"
+                    android:alpha="0.7">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Next"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnSecondaryContainer" />
+
+                    <TextView
+                        android:id="@+id/tvNextOtpCode"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceTitleMedium"
+                        android:textColor="?attr/colorOnSecondaryContainer"
+                        android:letterSpacing="0.1"
+                        android:fontFamily="monospace" />
+
+                </LinearLayout>
+
                 <com.google.android.material.progressindicator.CircularProgressIndicator
                     android:id="@+id/otpTimer"
                     android:layout_width="32dp"

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

@@ -1,15 +1,44 @@
 <?xml version="1.0" encoding="utf-8"?>
-<LinearLayout
+<FrameLayout
     xmlns:android="http://schemas.android.com/apk/res/android"
     android:layout_width="match_parent"
-    android:layout_height="match_parent"
-    android:orientation="vertical">
+    android:layout_height="match_parent">
 
     <androidx.recyclerview.widget.RecyclerView
         android:id="@+id/recyclerView"
         android:layout_width="match_parent"
         android:layout_height="match_parent"
         android:paddingTop="16dp"
+        android:paddingBottom="16dp"
         android:clipToPadding="false" />
 
-</LinearLayout>
+    <LinearLayout
+        android:id="@+id/emptyState"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="center"
+        android:gravity="center_horizontal"
+        android:orientation="vertical"
+        android:padding="32dp"
+        android:visibility="gone">
+
+        <ImageView
+            android:layout_width="56dp"
+            android:layout_height="56dp"
+            android:layout_marginBottom="12dp"
+            android:alpha="0.6"
+            android:importantForAccessibility="no"
+            android:src="@drawable/ic_nav_otp"
+            android:tint="?attr/colorOnSurfaceVariant" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:gravity="center"
+            android:text="No OTP codes yet.\nAdd an MIB or BML login to see its codes here."
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+    </LinearLayout>
+
+</FrameLayout>

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

@@ -95,6 +95,7 @@
 
     <!-- Include phone number toggle -->
     <LinearLayout
+        android:id="@+id/layoutIncludePhone"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"

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

@@ -246,18 +246,10 @@
             android:layout_width="0dp"
             android:layout_height="wrap_content"
             android:layout_weight="1"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:text="Save"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnDone"
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:layout_marginStart="4dp"
-            android:text="Done" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -376,18 +376,10 @@
             android:layout_width="0dp"
             android:layout_height="wrap_content"
             android:layout_weight="1"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:text="Save"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnDone"
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:layout_marginStart="4dp"
-            android:text="Done" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -273,18 +273,10 @@
             android:layout_width="0dp"
             android:layout_height="wrap_content"
             android:layout_weight="1"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:text="Save"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnDone"
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:layout_marginStart="4dp"
-            android:text="Done" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -9,7 +9,8 @@
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="16dp">
+        android:padding="16dp"
+        android:clipToPadding="false">
 
         <TextView
             android:id="@+id/tvLoginsTitle"
@@ -20,10 +21,12 @@
             android:layout_marginBottom="8dp"
             android:visibility="gone" />
 
+        <!-- Rows pad back the negative margin so the tap/drag highlight has a gap around the content -->
         <LinearLayout
             android:id="@+id/loginsContainer"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
+            android:layout_marginHorizontal="-12dp"
             android:orientation="vertical" />
 
         <com.google.android.material.button.MaterialButton

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

@@ -148,12 +148,16 @@
                         app:endIconDrawable="@android:drawable/ic_menu_search"
                         app:endIconContentDescription="@string/transfer_lookup_account">
 
-                        <com.google.android.material.textfield.TextInputEditText
+                        <com.google.android.material.textfield.MaterialAutoCompleteTextView
                             android:id="@+id/etTo"
+                            style="@style/Widget.Material3.AutoCompleteTextView.OutlinedBox"
                             android:layout_width="match_parent"
                             android:layout_height="wrap_content"
                             android:inputType="textNoSuggestions"
-                            android:maxLines="1" />
+                            android:maxLines="1"
+                            android:completionThreshold="3"
+                            android:dropDownHeight="wrap_content"
+                            android:imeOptions="actionSearch" />
 
                     </com.google.android.material.textfield.TextInputLayout>
 

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

@@ -0,0 +1,74 @@
+<?xml version="1.0" encoding="utf-8"?>
+<androidx.constraintlayout.widget.ConstraintLayout
+    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:background="?attr/selectableItemBackground"
+    android:paddingHorizontal="16dp"
+    android:paddingVertical="10dp">
+
+    <com.google.android.material.imageview.ShapeableImageView
+        android:id="@+id/ivAvatar"
+        android:layout_width="52dp"
+        android:layout_height="52dp"
+        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle"
+        android:scaleType="centerCrop"
+        app:layout_constraintStart_toStartOf="parent"
+        app:layout_constraintTop_toTopOf="parent"
+        app:layout_constraintBottom_toBottomOf="parent" />
+
+    <TextView
+        android:id="@+id/tvName"
+        android:layout_width="0dp"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:layout_marginEnd="8dp"
+        android:textAppearance="?attr/textAppearanceBodyLarge"
+        android:textStyle="bold"
+        android:textColor="?attr/colorOnSurface"
+        android:maxLines="1"
+        android:ellipsize="end"
+        app:layout_constraintStart_toEndOf="@id/ivAvatar"
+        app:layout_constraintEnd_toStartOf="@id/tvTime"
+        app:layout_constraintTop_toTopOf="parent"
+        app:layout_constraintBottom_toTopOf="@id/tvPreview"
+        app:layout_constraintVertical_chainStyle="packed" />
+
+    <TextView
+        android:id="@+id/tvTime"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:textAppearance="?attr/textAppearanceLabelSmall"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintBaseline_toBaselineOf="@id/tvName" />
+
+    <TextView
+        android:id="@+id/tvPreview"
+        android:layout_width="0dp"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:layout_marginTop="2dp"
+        android:textAppearance="?attr/textAppearanceBodyMedium"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        android:maxLines="1"
+        android:ellipsize="end"
+        app:layout_constraintStart_toEndOf="@id/ivAvatar"
+        app:layout_constraintEnd_toStartOf="@id/ivPin"
+        app:layout_constraintTop_toBottomOf="@id/tvName"
+        app:layout_constraintBottom_toBottomOf="parent" />
+
+    <ImageView
+        android:id="@+id/ivPin"
+        android:layout_width="16dp"
+        android:layout_height="16dp"
+        android:layout_marginStart="8dp"
+        android:contentDescription="@string/chat_pinned"
+        android:src="@drawable/ic_pin"
+        android:visibility="gone"
+        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintTop_toTopOf="@id/tvPreview"
+        app:layout_constraintBottom_toBottomOf="@id/tvPreview" />
+
+</androidx.constraintlayout.widget.ConstraintLayout>

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

@@ -0,0 +1,109 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:id="@+id/bubbleRow"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="vertical"
+    android:paddingVertical="3dp">
+
+    <com.google.android.material.card.MaterialCardView
+        android:id="@+id/cardBubble"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        app:cardElevation="0dp"
+        app:strokeWidth="0dp">
+
+        <LinearLayout
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:minWidth="150dp"
+            android:orientation="vertical"
+            android:paddingStart="14dp"
+            android:paddingTop="10dp"
+            android:paddingEnd="14dp"
+            android:paddingBottom="8dp">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:id="@+id/tvAmount"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:maxWidth="240dp"
+                    android:textAppearance="?attr/textAppearanceTitleLarge"
+                    android:textStyle="bold" />
+
+                <Space
+                    android:layout_width="0dp"
+                    android:layout_height="0dp"
+                    android:layout_weight="1" />
+
+                <ImageButton
+                    android:id="@+id/btnReceipt"
+                    android:layout_width="40dp"
+                    android:layout_height="40dp"
+                    android:layout_marginStart="12dp"
+                    android:layout_marginEnd="-8dp"
+                    android:background="?attr/selectableItemBackgroundBorderless"
+                    android:contentDescription="@string/chat_view_receipt"
+                    android:padding="8dp"
+                    android:scaleType="fitCenter"
+                    android:src="@drawable/ic_receipt"
+                    android:visibility="gone" />
+
+            </LinearLayout>
+
+            <TextView
+                android:id="@+id/tvNote"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginTop="2dp"
+                android:maxWidth="240dp"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <LinearLayout
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="end"
+                android:layout_marginTop="6dp"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:id="@+id/tvAccount"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:maxWidth="150dp"
+                    android:layout_marginEnd="8dp"
+                    android:alpha="0.8"
+                    android:ellipsize="end"
+                    android:maxLines="1"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTime"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:alpha="0.8"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTicks"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="4dp"
+                    android:textAppearance="?attr/textAppearanceLabelMedium" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </com.google.android.material.card.MaterialCardView>
+
+</LinearLayout>

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

@@ -0,0 +1,18 @@
+<?xml version="1.0" encoding="utf-8"?>
+<FrameLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:paddingVertical="10dp">
+
+    <TextView
+        android:id="@+id/tvDate"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="center_horizontal"
+        android:paddingHorizontal="12dp"
+        android:paddingVertical="4dp"
+        android:textAppearance="?attr/textAppearanceLabelMedium"
+        android:textColor="?attr/colorOnSurfaceVariant" />
+
+</FrameLayout>

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

@@ -4,6 +4,7 @@
     xmlns:app="http://schemas.android.com/apk/res-auto"
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
+    android:background="?attr/selectableItemBackground"
     android:paddingHorizontal="16dp"
     android:paddingVertical="10dp">
 
@@ -26,25 +27,6 @@
         app:layout_constraintTop_toTopOf="parent"
         app:layout_constraintBottom_toBottomOf="parent">
 
-        <ImageButton
-            android:id="@+id/btnEditContact"
-            android:layout_width="36dp"
-            android:layout_height="36dp"
-            android:background="?attr/selectableItemBackgroundBorderless"
-            android:src="@drawable/ic_edit"
-            android:padding="6dp"
-            android:contentDescription="@string/contact_edit" />
-
-        <ImageButton
-            android:id="@+id/btnDeleteContact"
-            android:layout_width="36dp"
-            android:layout_height="36dp"
-            android:background="?attr/selectableItemBackgroundBorderless"
-            android:src="@drawable/ic_delete"
-            android:padding="6dp"
-            android:tint="?attr/colorError"
-            android:contentDescription="@string/contact_delete" />
-
         <ImageButton
             android:id="@+id/btnTransferContact"
             android:layout_width="36dp"

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

@@ -2,55 +2,163 @@
 <com.google.android.material.card.MaterialCardView
     xmlns:android="http://schemas.android.com/apk/res/android"
     xmlns:app="http://schemas.android.com/apk/res-auto"
+    style="@style/Widget.Material3.CardView.Filled"
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:layout_marginHorizontal="16dp"
     android:layout_marginBottom="12dp"
     android:clickable="true"
     android:focusable="true"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="2dp">
+    app:cardCornerRadius="24dp">
 
     <LinearLayout
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="20dp">
+        android:paddingHorizontal="20dp"
+        android:paddingTop="16dp"
+        android:paddingBottom="12dp">
 
-        <TextView
-            android:id="@+id/tvOtpLabel"
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceLabelMedium"
-            android:textColor="?attr/colorOnSurfaceVariant"
-            android:layout_marginBottom="8dp" />
-
-        <TextView
-            android:id="@+id/tvOtpCode"
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceDisplaySmall"
-            android:textColor="?attr/colorPrimary"
-            android:fontFamily="monospace"
-            android:letterSpacing="0.15"
-            android:layout_marginBottom="16dp" />
-
-        <com.google.android.material.progressindicator.LinearProgressIndicator
-            android:id="@+id/otpProgress"
+        <!-- Header: logo, bank + holder name, countdown ring -->
+        <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:max="30"
-            app:trackCornerRadius="4dp"
-            app:indicatorColor="?attr/colorPrimary"
-            app:trackColor="?attr/colorSurfaceVariant" />
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
 
-        <TextView
-            android:id="@+id/tvOtpCountdown"
-            android:layout_width="wrap_content"
+            <com.google.android.material.imageview.ShapeableImageView
+                android:id="@+id/ivBankLogo"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:layout_marginEnd="12dp"
+                android:scaleType="fitCenter"
+                app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvOtpBank"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceTitleSmall"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:id="@+id/tvOtpLabel"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:ellipsize="end"
+                    android:maxLines="1"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <FrameLayout
+                android:layout_width="40dp"
+                android:layout_height="40dp">
+
+                <com.google.android.material.progressindicator.CircularProgressIndicator
+                    android:id="@+id/otpProgress"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_gravity="center"
+                    android:indeterminate="false"
+                    android:max="30"
+                    app:indicatorSize="40dp"
+                    app:trackThickness="3dp"
+                    app:trackCornerRadius="2dp"
+                    app:indicatorColor="?attr/colorPrimary"
+                    app:trackColor="?attr/colorOutlineVariant" />
+
+                <TextView
+                    android:id="@+id/tvOtpCountdown"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_gravity="center"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </FrameLayout>
+
+        </LinearLayout>
+
+        <!-- Current code + copy -->
+        <LinearLayout
+            android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:layout_marginTop="6dp"
-            android:textAppearance="?attr/textAppearanceLabelSmall"
-            android:textColor="?attr/colorOnSurfaceVariant" />
+            android:layout_marginTop="12dp"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <TextView
+                android:id="@+id/tvOtpCode"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:fontFamily="monospace"
+                android:letterSpacing="0.12"
+                android:textAppearance="?attr/textAppearanceDisplaySmall"
+                android:textColor="?attr/colorPrimary"
+                android:textStyle="bold" />
+
+            <Button
+                android:id="@+id/btnCopyOtp"
+                style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:contentDescription="Copy OTP"
+                android:tooltipText="Copy OTP"
+                app:icon="@drawable/ic_copy" />
+
+        </LinearLayout>
+
+        <com.google.android.material.divider.MaterialDivider
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="8dp"
+            android:layout_marginBottom="4dp" />
+
+        <!-- Next code + copy -->
+        <LinearLayout
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginEnd="8dp"
+                android:text="Next"
+                android:textAppearance="?attr/textAppearanceLabelMedium"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvNextOtpCode"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:fontFamily="monospace"
+                android:letterSpacing="0.1"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <Button
+                android:id="@+id/btnCopyNextOtp"
+                style="@style/Widget.Material3.Button.IconButton"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:contentDescription="Copy next OTP"
+                android:tooltipText="Copy next OTP"
+                app:icon="@drawable/ic_copy"
+                app:iconTint="?attr/colorOnSurfaceVariant" />
+
+        </LinearLayout>
 
     </LinearLayout>
 

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

@@ -0,0 +1,448 @@
+<?xml version="1.0" encoding="utf-8"?>
+<androidx.core.widget.NestedScrollView
+    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">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingBottom="24dp">
+
+        <com.google.android.material.bottomsheet.BottomSheetDragHandleView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content" />
+
+        <com.google.android.material.imageview.ShapeableImageView
+            android:id="@+id/ivPhoto"
+            android:layout_width="112dp"
+            android:layout_height="112dp"
+            android:layout_gravity="center_horizontal"
+            android:scaleType="centerCrop"
+            app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+        <TextView
+            android:id="@+id/tvName"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="16dp"
+            android:gravity="center_horizontal"
+            android:paddingHorizontal="24dp"
+            android:textAppearance="?attr/textAppearanceHeadlineSmall"
+            android:textColor="?attr/colorOnSurface" />
+
+        <LinearLayout
+            android:id="@+id/actionRow"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="20dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="16dp">
+
+            <LinearLayout
+                android:id="@+id/actionTransfer"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnTransfer"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/transfer"
+                    app:icon="@drawable/ic_send"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/transfer"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionQr"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnQr"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_qr"
+                    app:icon="@drawable/ic_qr_code"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:id="@+id/tvQrLabel"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_qr"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionEdit"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnEdit"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_edit"
+                    app:icon="@drawable/ic_edit"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_edit"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionDelete"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDelete"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_delete"
+                    app:backgroundTint="?attr/colorErrorContainer"
+                    app:icon="@drawable/ic_delete"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp"
+                    app:iconTint="?attr/colorOnErrorContainer" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_delete"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorError" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <com.google.android.material.divider.MaterialDivider
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="20dp"
+            android:layout_marginBottom="8dp" />
+
+        <LinearLayout
+            android:id="@+id/rowAccount"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_manage_card"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvAccount"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_account_number"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <ImageButton
+                android:id="@+id/btnShareAccount"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:contentDescription="@string/contact_share_account"
+                android:padding="8dp"
+                android:src="@drawable/ic_share"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <ImageButton
+                android:id="@+id/btnCopyAccount"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:contentDescription="@string/contact_copy_account"
+                android:padding="8dp"
+                android:src="@drawable/ic_copy"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowRealName"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_contacts"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvRealName"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_account_name"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowCurrency"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_currency"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvCurrency"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_currency"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowBank"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:id="@+id/ivBankIcon"
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_nav_finances"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvBank"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_bank"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sourceSection"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:visibility="gone">
+
+            <com.google.android.material.divider.MaterialDivider
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginVertical="8dp" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:gravity="center_vertical"
+                android:minHeight="56dp"
+                android:orientation="horizontal"
+                android:paddingHorizontal="24dp"
+                android:paddingVertical="8dp">
+
+                <ImageView
+                    android:id="@+id/ivSourceIcon"
+                    android:layout_width="24dp"
+                    android:layout_height="24dp"
+                    android:importantForAccessibility="no" />
+
+                <LinearLayout
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="24dp"
+                    android:layout_weight="1"
+                    android:orientation="vertical">
+
+                    <TextView
+                        android:id="@+id/tvSource"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceBodyMedium"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                    <TextView
+                        android:id="@+id/tvSourceBank"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceBodySmall"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                </LinearLayout>
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</androidx.core.widget.NestedScrollView>

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

@@ -0,0 +1,17 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="vertical">
+
+    <com.google.android.material.bottomsheet.BottomSheetDragHandleView
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <FrameLayout
+        android:id="@+id/transferContainer"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+</LinearLayout>

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

@@ -0,0 +1,44 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="wrap_content"
+    android:layout_height="match_parent"
+    android:background="?attr/selectableItemBackground"
+    android:gravity="center_vertical"
+    android:orientation="horizontal"
+    android:paddingEnd="12dp">
+
+    <com.google.android.material.imageview.ShapeableImageView
+        android:id="@+id/ivHeaderAvatar"
+        android:layout_width="40dp"
+        android:layout_height="40dp"
+        android:scaleType="centerCrop"
+        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+    <LinearLayout
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:orientation="vertical">
+
+        <TextView
+            android:id="@+id/tvHeaderName"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:ellipsize="end"
+            android:maxLines="1"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:textColor="?attr/colorOnSurface" />
+
+        <TextView
+            android:id="@+id/tvHeaderAccount"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:maxLines="1"
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+    </LinearLayout>
+
+</LinearLayout>

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

@@ -6,9 +6,9 @@
     <item android:id="@+id/nav_accounts"
         android:icon="@drawable/ic_nav_accounts"
         android:title="@string/nav_accounts" />
-    <item android:id="@+id/nav_contacts"
-        android:icon="@drawable/ic_contacts"
-        android:title="@string/nav_contacts" />
+    <item android:id="@+id/nav_chats"
+        android:icon="@drawable/ic_chat"
+        android:title="@string/nav_chats" />
     <item android:id="@+id/nav_transfer"
         android:icon="@drawable/ic_send"
         android:title="@string/transfer" />

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

@@ -17,6 +17,9 @@
         <item android:id="@+id/nav_pay_mv_qr"
             android:icon="@drawable/ic_qr_scan"
             android:title="@string/pay_mv_qr" />
+        <item android:id="@+id/nav_chats"
+            android:icon="@drawable/ic_chat"
+            android:title="@string/nav_chats" />
         <item android:id="@+id/nav_contacts"
             android:icon="@drawable/ic_contacts"
             android:title="@string/nav_contacts" />

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

@@ -145,4 +145,5 @@
     <!-- Connectivity banner -->
     <string name="connectivity_no_internet">އިންޓަނެޓް ބައްލަވާ، ދެން ތިޖޫރީ ލޯޑް ކުރޭ</string>
     <string name="connectivity_server_error">%s އާ ގުޅުމުގައި މައްސަލައެއް</string>
+    <string name="drag_to_reorder">ދަމާ ތަރުތީބު ބަދަލުކުރޭ</string>
 </resources>

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

@@ -0,0 +1,5 @@
+<?xml version="1.0" encoding="utf-8"?>
+<resources>
+    <item name="action_open_contacts" type="id" />
+    <item name="action_pin_chat" type="id" />
+</resources>

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

@@ -85,6 +85,7 @@
     <string name="nav_add_account">Add Login</string>
     <string name="nav_accounts">Accounts</string>
     <string name="nav_contacts">Contacts</string>
+    <string name="nav_chats">Chats</string>
     <string name="nav_activities">Recent Transfers</string>
     <string name="nav_transfer_history">Transaction History</string>
     <string name="nav_finances">Finances</string>
@@ -94,6 +95,7 @@
     <string name="nav_more">More</string>
     <string name="nav_desc_accounts">View all your bank accounts</string>
     <string name="nav_desc_contacts">Manage your transfer contacts</string>
+    <string name="nav_desc_chats">Your transfers with each person, as chats</string>
     <string name="nav_desc_transfer">Send money to a contact</string>
     <string name="nav_desc_pay_mv_qr">Scan or generate a PayMV QR code</string>
     <string name="nav_desc_activities">View your recent transfers</string>
@@ -332,6 +334,14 @@
     <string name="contact_delete_message">Remove %s from your contacts?</string>
     <string name="contact_deleted">Contact deleted</string>
     <string name="contact_delete_failed">Could not delete contact</string>
+    <string name="contact_account_number">Account number</string>
+    <string name="contact_account_name">Account name</string>
+    <string name="contact_bank">Bank</string>
+    <string name="contact_qr">QR</string>
+    <string name="contact_delete_warning">This can\'t be undone.</string>
+    <string name="contact_copy_account">Copy account number</string>
+    <string name="contact_share_account">Share account details</string>
+    <string name="contact_account_copied">Account number copied</string>
 
     <!-- Financing -->
     <string name="financing_empty">No financing deals found</string>
@@ -391,4 +401,61 @@
     <!-- Connectivity banner -->
     <string name="connectivity_no_internet">Please check your connection and reload Thijooree</string>
     <string name="connectivity_server_error">Connectivity issue with %s</string>
+    <string name="drag_to_reorder">Drag to reorder</string>
+
+    <!-- Chats -->
+    <string name="chats_search_hint">Search chats</string>
+    <string name="chats_empty">Chats start from now. New BML transfers will show up here.</string>
+    <string name="chats_empty_since">No transfers since %s. New BML transfers will show up here.</string>
+    <string name="chats_no_results">No chats found</string>
+    <string name="chat_preview_sent">You sent %s</string>
+    <string name="chat_preview_received">Received %s</string>
+    <string name="chat_preview_paid">Paid %s</string>
+    <string name="chat_today">Today</string>
+    <string name="chat_yesterday">Yesterday</string>
+    <string name="chat_from_account">From account</string>
+    <string name="chat_pick_account">Send from</string>
+    <string name="chat_pick_card">Pay with</string>
+    <string name="chat_from_chip">%1$s · %2$s · %3$s</string>
+    <string name="chat_currency_warning">⚠ Sending USD to an MVR account. It will be converted at BML\'s rate and can\'t be reversed.</string>
+    <string name="chat_currency_blocked">MVR can\'t be sent to a USD account. Pick a USD account to send from.</string>
+    <string name="chat_cant_send_mvr_to_usd">Can\'t send MVR to a USD account</string>
+    <string name="chat_needs_usd_source">Needs a USD account to send from</string>
+    <string name="chat_transfer_sent">Transfer sent</string>
+    <string name="chat_payment_sent">Payment sent</string>
+    <string name="chat_view_receipt">Receipt</string>
+    <string name="chat_not_in_contacts">Not in your contacts</string>
+    <string name="chat_save_contact">Save contact</string>
+    <string name="chat_send">Send</string>
+    <string name="chat_to">To</string>
+    <string name="chat_pick_recipient_account">Send to</string>
+    <string name="chat_receipt_missing">Receipt no longer available</string>
+    <string name="chat_amount">Amount</string>
+    <string name="chat_amount_invalid">Enter an amount</string>
+    <string name="chat_cannot_send">Account number not known for this chat. Save this person as a contact, or send once from Transfer, to send from here.</string>
+    <string name="chat_into_short">into %s</string>
+    <string name="chat_account_to">%1$s → %2$s</string>
+    <string name="chat_tick_seen">Seen in BML alert</string>
+    <string name="chat_tick_booked">Booked in BML history</string>
+    <string name="chat_note">Note</string>
+    <string name="chat_pay_again">Pay again with Scan to Pay</string>
+    <string name="chat_pay_business">Pay %s</string>
+    <string name="chat_scan_to_pay">Scan to Pay</string>
+    <string name="chat_merchant_subtitle">Business · Scan to Pay &amp; card</string>
+    <string name="chat_sum_sent">%s · sent</string>
+    <string name="chat_sum_received">received</string>
+    <string name="chat_sum_net">net</string>
+    <string name="chat_sum_spent">Spent here in %s</string>
+    <string name="chat_sum_payments">payments</string>
+    <string name="chat_send_again">Send again · %s</string>
+    <string name="chat_view_receipt_full">View receipt</string>
+    <string name="chat_copy_reference">Copy reference</string>
+    <string name="chat_reference_copied">Reference copied</string>
+    <string name="chat_pinned">Pinned</string>
+    <string name="chat_pin">Pin</string>
+    <string name="chat_unpin">Unpin</string>
+    <string name="chat_selected_one">1 selected</string>
+    <string name="chat_pinned_msg">%s pinned</string>
+    <string name="chat_unpinned_msg">%s unpinned</string>
+    <string name="chat_undo">Undo</string>
 </resources>

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

@@ -1,6 +1,16 @@
 <resources xmlns:tools="http://schemas.android.com/tools">
     <style name="ShapeAppearance.Circle" parent="ShapeAppearance.Material3.Corner.Full" />
 
+    <!-- Destructive confirmation dialog: centered icon/title, filled red confirm button -->
+    <style name="ThemeOverlay.BasedBank.DestructiveDialog" parent="ThemeOverlay.Material3.MaterialAlertDialog.Centered">
+        <item name="buttonBarPositiveButtonStyle">@style/Widget.BasedBank.DestructiveDialogButton</item>
+    </style>
+
+    <style name="Widget.BasedBank.DestructiveDialogButton" parent="Widget.Material3.Button">
+        <item name="backgroundTint">?attr/colorError</item>
+        <item name="android:textColor">?attr/colorOnError</item>
+    </style>
+
     <style name="Theme.BasedBank" parent="Theme.Material3.DayNight.NoActionBar">
         <item name="colorPrimary">@color/seed_primary</item>
         <item name="colorSecondary">@color/seed_secondary</item>

docs/bmlapi/04-dashboard.md

@@ -190,9 +190,9 @@ Known asset mappings:
 |---|---|---|
 | `C8201`, `C8001`, `C8009` | Mastercard Prepaid | `master_prepaid` |
 | `C8205`, `C8005`, `C8008` | Mastercard Prepaid Travel | `master_prepaid_travel` |
-| `C8010`, `C8011` | Mastercard Platinum | `master_platinum` |
+| `C8010`, `C8011`, `C8033` | Mastercard Platinum | `master_platinum` |
 | `C8020`, `C8022` | Mastercard Gold | `master_gold` |
-| `C8030`, `C8033` | Mastercard Business Debit | `master_business_debit` |
+| `C8030` | Mastercard Business Debit | `master_business_debit` |
 | `C8040`, `C8044` | Mastercard World | `master_world` |
 | `C8101` | Mastercard Masveriyaa | `master_masveriyaa` |
 | `C8102` | Mastercard Odiveriyaa | `master_odiveriyaa` |

docs/bmlapi/13-qr-payment.md

@@ -33,6 +33,16 @@ TLV path: **root tag `35` → sub-tag `20` → sub-sub-tag `01`**
 
 The value at tag `01` is the full `https://pay.bml.com.mv/app/...` URL.
 
+### 3. POS QR (`mv.com.bml.qtr`)
+
+BML POS terminals emit an EMVCo-style dynamic QR with no tag `26` and supplementary domain
+`mv.com.bml.qtr`. The same TLV path (`35` → `20` → `01`) holds a bare reference such as
+`02:215c7b9f15ce4ed28e15697ea976db99` instead of a URL. That bare reference — not the whole payload,
+which is rejected with code `112` — is what gets Base64-encoded into the payrequest lookup below.
+The reference does **not** resolve as a `pay.bml.com.mv/app/` short code in a browser; only the API
+understands it. See
+[PayMV QR Format → BML POS QR](../thijooree/18-paymv-qr-format.md#bml-pos-qr-mvcombmlqtr).
+
 ---
 
 ## PayMV QR Format (TLV)
@@ -71,19 +81,29 @@ PayMV QRs (static, PayMV-native) use a decimal TLV encoding (not BER-TLV):
 GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/walletpayments/payrequest/{base64Url}
 ```
 
-`{base64Url}` is the full QR URL (e.g. `https://pay.bml.com.mv/app/...`) base64-encoded with standard encoding (with padding).
+`{base64Url}` is the lookup key, base64-encoded with standard encoding — the full QR URL
+(e.g. `https://pay.bml.com.mv/app/...`), or for POS QRs the bare `35` → `20` → `01` reference.
+BML's own app omits the `=` padding; the padded form resolves as well, so the client matches the app
+rather than relying on either being required.
 
 ### Headers
 
 | Header | Value |
 |---|---|
+| `accept` | `application/json` — **required in practice**, see below |
 | `Authorization` | `Bearer <access_token>` |
 | `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
 | `x-app-version` | `2.1.44.348` |
 
+> **`accept: application/json` is not optional.** Handled errors (codes 103, 112, …) come back as
+> JSON regardless, but when the route throws, the server renders the Internet Banking HTML login
+> page — under HTTP **200** — instead of a JSON error body. A client without the header then sees a
+> "successful" HTML response it cannot parse. All BML API requests set it in `bmlApiRequest()`.
+
 ```bash
 curl --request GET \
   --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/walletpayments/payrequest/<base64Url>' \
+  --header 'accept: application/json' \
   --header 'Authorization: Bearer <access_token>' \
   --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
   --header 'x-app-version: 2.1.44.348'
@@ -116,6 +136,16 @@ curl --request GET \
 | `amount` | Payment amount (`"0.00"` for static QRS) |
 | `currency` | Currency code (typically `"MVR"`) |
 
+### Failure Responses
+
+`success: false` comes back with a code and a user-facing message; the client shows BML's own
+wording and keeps the user on the Transfer screen.
+
+| Code | Message |
+|---|---|
+| `103` | The payment request has expired |
+| `112` | Unsupported payment link |
+
 ---
 
 ## Step 2 — Pay (3-Step TOTP Flow)

docs/mfaisaapi/04-transfer.md

@@ -279,4 +279,4 @@ python tmp/mfaisa_transfer.py <myMsisdn> <myMpin> <recipientMsisdn>
 
 ---
 
-> **← Back to** [Transaction History](03-history.md) | [README](README.md)
+> **← Back to** [Transaction History](03-history.md) | [README](README.md) | **Next →** [QR Merchant Payment](05-qr-pay.md)

docs/mfaisaapi/05-qr-pay.md

@@ -0,0 +1,265 @@
+# QR Merchant Payment ("Smart Pay")
+
+Pay an Ooredoo M-Faisa merchant by scanning their QR. The QR encodes only a numeric `qrCodeId` (e.g. `1594103440350`) — no URL, no EMV TLV envelope. The flow is three calls and **does not require OTP** (`2FARequired=NONE`).
+
+> **Currency / pocket constraints:** captures cover MVR→MVR purchases from the user's EMONEY pocket only. The `transactionCurrency` field is taken from the QR lookup; we have not seen a non-MVR variant.
+
+---
+
+## Flow
+
+```
+Client                                            Server
+  |                                                 |
+  |  POST /QRCodeUtility/fetchQRCodeById            |   ← user scanned a QR
+  |  formData = { qrCodeId, tenantCode }            |
+  |------------------------------------------------>|
+  |  [{ success, response:[{ commercialName,        |
+  |       customerId, mobileNumber, currencyCode,   |
+  |       txnAmount, status, ... }] }]              |
+  |<------------------------------------------------|
+  |                                                 |
+  |   (show merchant, accept amount + remarks)
+  |                                                 |
+  |  POST /initiateNewBuy                           |
+  |  formData = { merchantId, mobileNumber,         |
+  |               sourceDetails, transactionAmount, |
+  |               transactionType:"PURCHASE", … }   |
+  |------------------------------------------------>|
+  |  [{ 2FARequired:"NONE",                         |
+  |     authenticationType:"NONE",                  |
+  |     success:true,                               |
+  |     response:[{ responseObject:{ referenceId,   |
+  |       chargeDetails, … } }] }]                  |
+  |<------------------------------------------------|
+  |                                                 |
+  |   (no OTP — go straight to confirm)
+  |                                                 |
+  |  POST /confirmNewBuy                            |
+  |  formData = { referenceId }                     |
+  |  transactionAuthDetails = "null"   ← literal    |
+  |------------------------------------------------>|
+  |  [{ success:true,                               |
+  |     message:"Payment Completed Successfully",   |
+  |     response:[{ responseObject:{ isCompleted,   |
+  |       balanceInquiryDTO, ... } }] }]            |
+  |<------------------------------------------------|
+```
+
+All three endpoints carry the standard anti-replay pair (`rndValue` + `csValue`) derived from each request's `formData` JSON — see [01-encryption.md → rndValue / csValue](01-encryption.md#anti-replay-envelope-rndvalue--csvalue).
+
+Unlike the transfer flow, **every endpoint here returns its envelope as a JSON array** `[{...}]` for both success and error.
+
+---
+
+## Step 1: `QRCodeUtility/fetchQRCodeById` — resolve merchant
+
+### Endpoint
+
+```
+POST https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web/QRCodeUtility/fetchQRCodeById
+```
+
+### Request
+
+**Content-Type:** `application/x-www-form-urlencoded`
+
+| Field | Value |
+|---|---|
+| `role` | **`R01`** (the other two endpoints use `RETAIL_SUBSCRIBER` — this one does not) |
+| `channel` | `C03` |
+| `loginExchangeKey` | From login |
+| `rndValue` / `csValue` | [Standard anti-replay](01-encryption.md#anti-replay-envelope-rndvalue--csvalue) |
+| `formData` | JSON below ([html-safe `=` escaping](01-encryption.md#html-safe-gson--escape)) |
+
+```json
+{
+  "qrCodeId":   "<numeric id from QR>",
+  "tenantCode": "ooredoo"
+}
+```
+
+### Response — happy path
+
+```json
+[
+  {
+    "success": true,
+    "message": "QRCode fetched Successfully.",
+    "response": [
+      {
+        "mobileNumber":   "9609569506",         /* merchant's '960' + msisdn */
+        "customerId":     "72518",              /* used as merchantId in step 2 */
+        "commercialName": "Family Room",        /* merchant display name */
+        "qrCodeId":       "1594103440350",
+        "qrImageString":  "<base64 PNG>",       /* unused */
+        "accountNumber":  null,
+        "txnAmount":      null,                 /* static QR; dynamic QRs put a number here */
+        "currencyCode":   "MVR",
+        "status":         "Active",
+        "role":           "AGENT",
+        "tenantCode":     "ooredoo",
+        "...":            "..."
+      }
+    ]
+  }
+]
+```
+
+`accountNumber` / `txnAmount` are JSON `null` for **static QRs** (the user chooses the amount). For **dynamic QRs** the server returns the fixed amount in `txnAmount` and the client should lock the amount field.
+
+The `mobileNumber` field already includes the `960` country prefix.
+
+### Response — QR not found / inactive
+
+```json
+[{ "success": false, "message": "QRCode not found." }]
+```
+
+The client also rejects entries with `status != "Active"`.
+
+---
+
+## Step 2: `initiateNewBuy` — initiate purchase (no OTP triggered)
+
+### Endpoint
+
+```
+POST https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web/initiateNewBuy
+```
+
+### Request
+
+**Content-Type:** `application/x-www-form-urlencoded`
+
+| Field | Value |
+|---|---|
+| `role` | `RETAIL_SUBSCRIBER` |
+| `channel` | `C03` (top-level differs from inner `formData.channel`, which is `SubscriberApp`) |
+| `loginExchangeKey` | From login |
+| `rndValue` / `csValue` | Standard anti-replay (derived from the `formData` below) |
+| `formData` | JSON below |
+
+```json
+{
+  "channel":             "SubscriberApp",
+  "commodityType":       "WALLET",
+  "description":         "<remarks>",            /* free text, may be empty */
+  "merchantId":          "<customerId from step 1>",
+  "mobileNumber":        "<merchant '960' msisdn from step 1>",
+  "sourceDetails": {
+    "MDNId":         "960<myMsisdn>",            /* PLAINTEXT — '960' + my phone */
+    "actorRoleType": "RETAIL_SUBSCRIBER",
+    "pocketId":      "<my source pocket id>"     /* EMONEY pocket from login */
+  },
+  "transactionAmount":   "<amount>",             /* string, e.g. "7.56" */
+  "transactionCurrency": "MVR",
+  "transactionType":     "PURCHASE"
+}
+```
+
+Unlike the transfer flow's `initiateFTRequest`, this endpoint does **not** take an `identifier` header field or `tPin`.
+
+### Response — happy path
+
+```json
+[
+  {
+    "2FARequired":        "NONE",        /* ← the key difference */
+    "authenticationType": "NONE",
+    "success":            true,
+    "message":            "Purchase Initiated Successfully",
+    "response": [
+      {
+        "requestObject":  { "...": "..." },
+        "responseObject": {
+          "referenceId":       "685011023630",
+          "transactionAmount": { "amount": 7.56, "currencyCode": "MVR" },
+          "netAmount":         { "amount": 7.56, "currencyCode": "MVR" },
+          "chargeDetailsDTO":  { "totalFeesInTenantCurrency": { "amount": 0.0, "...": "..." }, "...": "..." },
+          "isCompleted":       false,
+          "authenticationType":"NONE",
+          "...":               "..."
+        }
+      }
+    ]
+  }
+]
+```
+
+Cache `referenceId` for step 3. No SMS is sent — proceed straight to confirm.
+
+> **Defensive check:** the Thijooree client throws if it ever sees `2FARequired != "NONE"` on this endpoint so a no-op confirm can't silently complete. If Ooredoo ever turns 2FA on for QR pay, you'll see a clear error instead of a partial transaction.
+
+---
+
+## Step 3: `confirmNewBuy` — settle purchase
+
+### Endpoint
+
+```
+POST https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web/confirmNewBuy
+```
+
+### Request
+
+**Content-Type:** `application/x-www-form-urlencoded`
+
+| Field | Value |
+|---|---|
+| `role` | `RETAIL_SUBSCRIBER` |
+| `channel` | `C03` |
+| `loginExchangeKey` | From login |
+| `rndValue` / `csValue` | Anti-replay derived from `formData` below |
+| `formData` | `{"referenceId": "<from step 2>"}` |
+| `transactionAuthDetails` | **literal string `"null"`** (not a JSON null, not an empty string — the captured request sends the four-character string `null`) |
+
+### Response — happy path
+
+```json
+[
+  {
+    "success": true,
+    "message": "Payment Completed Successfully",
+    "response": [
+      {
+        "responseObject": {
+          "isCompleted": true,
+          "balanceInquiryDTO": {
+            "currencyCode":    "MVR",
+            "pocketAmount":    92.85,
+            "pocketId":        "<source pocket id>",
+            "pocketBalanceMap": { "...": "..." }
+          },
+          "status": { "replyCode": 0.0 },
+          "...":    "..."
+        }
+      }
+    ]
+  }
+]
+```
+
+### Session expiry
+
+Same envelope as elsewhere — `attributeValue: "SESSION_EXPIRED"` with HTTP 200; the client throws `MfaisaSessionExpiredException`. See [03-history.md → Session expiry](03-history.md#session-expiry).
+
+---
+
+## Optional: `save/smart-pay-recipient` — bookkeeping
+
+After a successful confirm the official Ooredoo app saves the merchant to a server-side "recent recipients" list:
+
+```
+POST https://superapp.ooredoo.mv/api/mfaisaa-bff/save/smart-pay-recipient
+```
+
+This is **not** required for the payment itself — the transfer is final once `confirmNewBuy` succeeds. Thijooree skips it; the merchant is kept in the local picker `RecentsCache` under an `mfaisaqr:<qrCodeId>` synthetic accountNumber (mirroring the BML QR `bmlqr:` scheme).
+
+---
+
+&nbsp;
+
+---
+
+> **← Back to** [Transfer Money](04-transfer.md) | [README](README.md)

docs/mfaisaapi/README.md

@@ -88,6 +88,7 @@ Client                                                Server
 | 2 | [Login](02-login.md) | Subscriber lookup + mPIN login |
 | 3 | [Transaction History](03-history.md) | Paginated history per session |
 | 4 | [Transfer Money](04-transfer.md) | Three-step wallet-to-wallet send: recipient lookup → initiate (server SMSes OTP) → confirm |
+| 5 | [QR Merchant Payment](05-qr-pay.md) | Three-step "smart pay" scan-to-merchant: QR lookup → initiate → confirm. **No OTP** (`2FARequired=NONE`) |
 
 ---
 

docs/thijooree/00-app-overview.md

@@ -155,6 +155,15 @@ When the timeout expires a 10-second countdown warning dialog appears. If dismis
 
 Each stored profile has a visibility flag. Hidden profiles are excluded from the accounts list and from all API refresh cycles until re-enabled in Settings → Logins.
 
+### Login Order
+
+The user sets the order of their logins in [Settings → Logins](14-settings.md#login-order). It applies everywhere accounts are listed:
+
+- `HomeViewModel.accounts` and `HomeViewModel.mibCards` sort themselves by `CredentialStore.loginRank()` on every `setValue` / `postValue`, so every observer (accounts list, transfer dropdown, contact picker "My accounts", PayMV QR, BML QR pay, transfer history, BML loans in Financing) gets the same order with no per-screen sorting. The sort is stable, so accounts from the same login keep the order the bank returned them in.
+- Combined MIB + BML card lists (dashboard stack, [Cards](22-cards.md)) are sorted by `CardItem.loginTag`.
+- [Financing](13-financing.md) places the MIB and BML sections by whichever bank's first login ranks higher.
+- The [OTP Screen](10-otp-screen.md) sorts its entries by login.
+
 ---
 
 ## MIB Session KeepAlive

docs/thijooree/10-otp-screen.md

@@ -13,10 +13,13 @@ Hosts one card per enrolled bank authenticator. Banks with no stored TOTP seed a
 ## TOTP Display
 
 Each card shows:
-- Bank logo and name
-- The current 6-digit TOTP code (large text)
-- A circular countdown ring showing time remaining in the current 30-second window
-- The code refreshes automatically when the window expires — no user interaction needed
+- Bank logo, bank name and account holder name
+- A circular countdown ring with the seconds left in the current 30-second window; the ring and code turn red in the last 5 seconds
+- The current 6-digit TOTP code (large text) with a copy button
+- The next window's code (smaller, below a divider) with its own copy button — handy when the current code is about to expire
+- The codes refresh automatically when the window expires — no user interaction needed
+
+Tapping anywhere on the card also copies the current code. If no logins have a seed, an empty-state message is shown instead.
 
 ### Algorithm
 
@@ -30,14 +33,14 @@ Standard RFC 6238 TOTP:
 
 ## Supported Banks
 
-One card is rendered for every MIB and every BML login that has a stored OTP seed (`OtpFragment.kt:93-98`). Seeds are per-`loginId` in `CredentialStore`.
+One card is rendered for every MIB and every BML login that has a stored OTP seed (`OtpFragment.kt`), sorted by the user's [login order](00-app-overview.md#login-order). Seeds are per-`loginId` in `CredentialStore`.
 
-| Bank | Seed source | Card label |
+| Bank | Seed source | Card title / subtitle |
 |---|---|---|
-| MIB | `loadMibCredentials(loginId).otpSeed` (entered at login) | `"MIB · {fullName}"` |
-| BML | `loadBmlCredentials(loginId).otpSeed` (entered at login) | `"BML · {fullName}"` |
+| MIB | `loadMibCredentials(loginId).otpSeed` (entered at login) | `MIB` / `{fullName}` |
+| BML | `loadBmlCredentials(loginId).otpSeed` (entered at login) | `BML` / `{fullName}` |
 
-If no full name has been cached the label falls back to plain `"MIB"` / `"BML"` and a background `MibProfileClient.fetchPersonalProfile()` / `BmlAccountClient.fetchUserInfo()` call refreshes it.
+If no full name has been cached the subtitle falls back to `"Authenticator"` and a background `MibProfileClient.fetchPersonalProfile()` / `BmlAccountClient.fetchUserInfo()` call refreshes it.
 
 ---
 

docs/thijooree/12-bml-qr-pay.md

@@ -2,7 +2,9 @@
 
 > **This flow no longer lives in a dedicated fragment.** `BmlQrPayFragment.kt` still exists as a source file but is unreachable — no callers, no nav graph entry, no intent action routes here. The actual BML gateway QR flow runs inside `TransferFragment` via `TransferFragment.newInstanceFromBmlQr(qrUrl, fromAccountNumber)`. See [Transfer Flows — BML QR Merchant Payment Flow](20-transfer-flows.md).
 
-The on-the-wire payment protocol is unchanged — see [BML QR Payment API](../bmlapi/13-qr-payment.md) for the 3-step TOTP flow (`approve` → `channel: token` → `otp`).
+The on-the-wire payment protocol is unchanged — see [BML QR Payment API](../bmlapi/13-qr-payment.md) for the 3-step TOTP flow (`approve` → `channel: token` → `otp`), and [Transfer Flows — BML QR Merchant Payment Flow](20-transfer-flows.md#bml-qr-merchant-payment-flow) for the three QR sub-modes the live path handles.
+
+Two differences remain in the stale fragment, should it ever be revived: it calls `lookupPayRequest()` with the scanned URL only (no `PaymvQrParser.bmlPayRequestKey()`, so POS QRs would not resolve), and it swallows every lookup error into the hardcoded `bml_qr_lookup_failed` toast instead of surfacing BML's own message.
 
 ---
 

docs/thijooree/13-financing.md

@@ -8,6 +8,8 @@ Aggregates financing products across banks — MIB promotional deals and BML loa
 
 Observes `HomeViewModel.financing` (MIB deals) and `HomeViewModel.bmlLoanDetails`.
 
+MIB deals carry no login tag, so the two sections are ordered as blocks: MIB first if the first MIB login ranks above the first BML login in the user's [login order](00-app-overview.md#login-order), otherwise BML first. BML loans within their section follow `HomeViewModel.accounts`, which is already in login order.
+
 ---
 
 ## MIB Deals Section

docs/thijooree/14-settings.md

@@ -33,6 +33,20 @@ Each profile entry shows:
 - Profile image (circular avatar)
 - Visibility toggle switch
 
+### Login Order
+
+All logins are shown as one list, across banks. When there is more than one login, each row gets a three-line handle (`ic_reorder_lines`) on the right; press and drag it to move the login up or down (`SettingsLoginsFragment.attachDragHandle()`). Tapping the rest of the row still opens the login details.
+
+On drop the order is saved with `CredentialStore.setLoginOrder()`, which:
+- writes the combined order to the `login_order` pref as a JSON array of login tags (`mib_<id>`, `bml_<id>`, `fahipay_<id>`, `mfaisa_<id>` — the same format as `BankAccount.loginTag`)
+- rewrites each bank's own list (`mib_login_ids`, `bml_login_ids`, …) in the same relative order, so code that walks one bank's logins stays consistent
+
+It then calls `HomeViewModel.resortByLoginOrder()` so already-open screens re-sort immediately.
+
+`CredentialStore.getLoginOrder()` returns the effective order: saved tags that still exist, followed by any logins not yet ordered (e.g. newly added) in the default MIB → BML → Fahipay → M-Faisa order. `loginRank()` turns that into a sort key; unknown tags sort last.
+
+See [Login Order](00-app-overview.md#login-order) for where the order is applied.
+
 ### Visibility Toggle
 
 Toggling a profile off hides it from the accounts list and excludes it from API refresh cycles. The session is kept alive — the profile can be re-enabled without re-logging in.

docs/thijooree/18-paymv-qr-format.md

@@ -28,12 +28,13 @@ Tags and lengths are always exactly 2 decimal digits. Fields are concatenated di
 | `00` | Format indicator | Always `"01"` |
 | `01` | Point-of-initiation method | `"11"` = static QR, `"12"` = dynamic QR |
 | `26` | Merchant account information | Container — see sub-tags below |
-| `35` | BML/gateway merchant info | Container — present in combined EMV+BML QRs only |
+| `35` | BML/gateway merchant info | Container — present in combined EMV+BML QRs and in BML POS QRs |
 | `52` | Merchant category code | `"0000"` (generic) |
 | `53` | Transaction currency | `"462"` = MVR (ISO 4217 numeric) |
 | `54` | Transaction amount | Decimal string (e.g. `"1.50"`); absent for open-amount QRs |
 | `58` | Country code | `"MV"` |
 | `59` | Merchant / recipient name | Max 25 characters |
+| `60` | Merchant city / store code | BML POS QRs only |
 | `62` | Additional data field | Container — see sub-tags below |
 | `63` | CRC | `6304` prefix + 4-char hex checksum — always last |
 | `80` | Supplementary data | Container — timestamp and domain |
@@ -153,6 +154,67 @@ The value at sub-sub-tag `01` is a full `https://pay.bml.com.mv/app/...` URL. Ex
 
 Plain BML QR codes (not combined) start with `https://pay.bml.com.mv/app/` directly.
 
+`PaymvQrParser.bmlQrPayTarget()` covers all of these: it returns the URL for plain URL QRs and for
+combined QRs, the whole EMV payload for POS QRs (below, recognised by the `mv.com.bml.qtr`
+supplementary domain), and null for everything else — PayMV QRs keep falling through to `parse()`.
+
+---
+
+## BML POS QR (`mv.com.bml.qtr`)
+
+BML POS terminals emit a third shape — an EMVCo-style dynamic QR whose supplementary data domain
+(tag `80` → `00`) is `mv.com.bml.qtr` and which has **no tag `26`**, so there is no PayMV account
+number to transfer to. The same `35` → `20` container is used as in combined QRs, but sub-tag `01`
+holds a bare reference instead of a URL.
+
+Example (CRC verified, same CRC-16/CCITT-FALSE as above):
+
+```
+00020101021235752071000202013502:215c7b9f15ce4ed28e15697ea976db9902109809724081030874009538520400005303462540436005802MV5911BEST BANANA6006LD044262220510dtyams497d0804POPE80470014mv.com.bml.qtr01252026-09-21T13:33:22.00000630443FA
+```
+
+| TLV path | Value | Notes |
+|---|---|---|
+| `00` | `01` | Format indicator |
+| `01` | `12` | Dynamic QR |
+| `35`→`20`→`00` | `02` | Version / format of the container (combined QRs use the URL form) |
+| `35`→`20`→`01` | `02:215c7b9f15ce4ed28e15697ea976db99` | Payment reference — `<type>:<32 hex>` |
+| `35`→`20`→`02` | `9809724081` | Merchant identifier (10 digits) |
+| `35`→`20`→`03` | `74009538` | Terminal identifier (8 digits) |
+| `52` | `0000` | MCC |
+| `53` | `462` | MVR |
+| `54` | `3600` | Amount — **no decimal point**, unlike PayMV's `"1.50"` |
+| `58` / `59` / `60` | `MV` / `BEST BANANA` / `LD0442` | Country, merchant name, merchant city/store code |
+| `62`→`05` | `dtyams497d` | Reference / bill number |
+| `62`→`08` | `POPE` | Purpose / terminal label |
+| `80`→`00` | `mv.com.bml.qtr` | Domain — identifies the POS format |
+| `80`→`01` | `2026-09-21T13:33:22.00000` | Timestamp |
+
+### Pay-Request Lookup Key
+
+The lookup key is the **bare reference**, Base64-encoded without padding:
+
+```
+GET .../walletpayments/payrequest/MDI6MjE1YzdiOWYxNWNlNGVkMjhlMTU2OTdlYTk3NmRiOTk
+```
+
+BML's own app omits the `=` padding, so `BmlQrPayClient.lookupPayRequest()` encodes with
+`NO_WRAP or NO_PADDING` for every QR type; the padded form resolves too. What the request *must*
+carry is `accept: application/json` — see
+[QR Payment → Step 1 headers](../bmlapi/13-qr-payment.md#headers).
+
+Confirmed against the live API (the example QR had already expired, so BML answered `103` rather
+than with merchant details — but `103` means the reference itself resolved):
+
+| Key tried | Response |
+|---|---|
+| `02:215c7b9f15ce4ed28e15697ea976db99` | `103` — "The payment request has expired" ✅ recognised |
+| the whole EMV payload | `112` — "Unsupported payment link" ❌ |
+| `https://pay.bml.com.mv/app/02:215c…` | `103` — recognised too; the host itself 400s on that path, so the backend must strip the prefix |
+
+`PaymvQrParser.bmlPayRequestKey()` returns the URL for URL QRs and the reference for POS QRs, so
+exactly one request is made either way.
+
 ---
 
 ## Example Payload

docs/thijooree/20-transfer-flows.md

@@ -13,7 +13,7 @@ The transfer screen (`TransferFragment`) handles all outgoing payments across MI
 | `newInstance(accountNumber, displayName, subtitle, colorHex, imageHash)` | Pre-fills the "To" card from a contact, recents pick, or About → Donate |
 | `newInstanceFrom(account: BankAccount)` | Pre-selects the given account in the "From" dropdown |
 | `newInstanceFromQr(accountNumber, displayName, amount, remarks, fromAccountNumber?)` | Pre-fills recipient + optional amount/remarks from a PayMV QR scan |
-| `newInstanceFromBmlQr(qrUrl, fromAccountNumber?)` | BML card/gateway QR merchant payment mode — locks recipient, may pre-fill amount |
+| `newInstanceFromBmlQr(qrUrl, fromAccountNumber?)` | BML card/gateway/POS QR merchant payment mode — locks recipient, may pre-fill amount |
 | `newInstanceWithAutoScan()` | Opens the [QR scanner](25-qr-scanner.md) immediately on load |
 
 ---
@@ -215,22 +215,29 @@ If channel fetch fails or returns empty, the flow is aborted and the form is re-
 
 ## BML QR Merchant Payment Flow
 
-Triggered when the transfer screen is opened via `newInstanceFromBmlQr()` or when a BML ebanking/pay.bml URL is scanned from the QR scanner.
+Triggered when the transfer screen is opened via `newInstanceFromBmlQr()`, which every scanner caller reaches through `PaymvQrParser.bmlQrPayTarget(raw)` — it returns the value to pay with, or null for a QR that is not BML's.
 
-Two sub-modes:
+Three sub-modes:
 
-| Mode | Trigger | Extra step |
+| Mode | `bmlQrPayTarget()` returns | Extra step |
 |---|---|---|
-| Static card QR | URL starts with `https://ebanking.bankofmaldives.com.mv/qrpay/` | None |
-| Gateway QR | URL starts with `https://pay.bml.com.mv/app/` | `BmlQrPayClient.preInitiatePayment()` required before initiate |
+| Static card QR | the QR text, when it starts with `https://ebanking.bankofmaldives.com.mv/qrpay/` | None |
+| Gateway QR | the QR text, or the URL at TLV `35`→`20`→`01` in a combined EMV QR | `BmlQrPayClient.preInitiatePayment()` required before initiate |
+| POS QR | the whole EMV payload, for QRs whose tag `80`→`00` domain is `mv.com.bml.qtr` | Treated as a gateway QR — see the note below |
+
+`BmlTransferHandler.lookupQrMerchant()` passes that value through `PaymvQrParser.bmlPayRequestKey()`, which hands the URL to the lookup for URL QRs and the bare `35`→`20`→`01` reference for POS QRs. See [PayMV QR Format — BML POS QR](18-paymv-qr-format.md#bml-pos-qr-mvcombmlqtr).
 
 Flow:
-1. `lookupBmlQrMerchant()` — fetches merchant info via `BmlQrPayClient.lookupPayRequest()`. Locks the "To" row.
+1. `lookupQrMerchant()` — fetches merchant info via `BmlQrPayClient.lookupPayRequest()`. Locks the "To" row.
 2. For dynamic QRs (`info.amount > 0`), pre-fills the amount and locks the amount field.
 3. Remarks field is locked (not applicable for merchant payments).
 4. On confirm: TOTP is generated, then `initiatePayment()` → (for gateway QR: `preInitiatePayment()` first) → `confirmPayment()` with a fresh TOTP.
 5. On success: a success dialog is shown (no receipt saved). Back-press returns to previous screen.
 
+**Lookup failure:** the user stays on the Transfer screen with the "To" row restored via `resetToFieldVisibility()` — the screen is no longer popped. When BML answered with `success: false`, its own wording is toasted (`BmlQrPayLookupException.message`, e.g. "The payment request has expired"); network, empty and non-JSON responses fall back to the `bml_qr_lookup_failed` string.
+
+> **Unverified:** POS QRs are treated as gateway QRs (pre-initiate before initiate) because they carry a preset amount. No POS payment has been completed end-to-end yet — the reference captured for testing had already expired.
+
 ---
 
 ## Transfer Button Enable Conditions
@@ -238,7 +245,7 @@ Flow:
 The transfer button is only enabled when all of the following are true:
 
 - A source account is selected
-- A recipient is resolved (`resolvedAccountNumber` not blank, or `bmlQrInfo` is set)
+- A recipient is resolved (`resolvedAccountNumber` not blank, or the BML handler's `qrInfo` is set)
 - Amount is greater than `0`
 - No connectivity error for `NO_INTERNET` or for the source bank
 

docs/thijooree/21-dashboard.md

@@ -29,6 +29,7 @@ A horizontal `RecyclerView` with `LinearSnapHelper` that paginates BML cards + M
 
 - BML cards: visible accounts with `profileType` in (`BML_PREPAID`, `BML_CREDIT`, `BML_DEBIT`) AND `statusDesc == "Active"`
 - MIB cards: filtered by `CardsFragment.isMibCardActive(cardStatus)` (i.e. `CHST0`)
+- Cards are sorted by the user's [login order](00-app-overview.md#login-order)
 - The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to the front
 - Cards hidden via `getHiddenDashboardCardNumbers()` are skipped
 

docs/thijooree/22-cards.md

@@ -29,7 +29,7 @@ A horizontal `RecyclerView` driven by `CardStackAdapter` with a `PagerSnapHelper
 - BML: `viewModel.accounts` filtered to `profileType in (BML_PREPAID, BML_CREDIT, BML_DEBIT)`
 - MIB: `viewModel.mibCards`
 
-The combined order is `bmlActive + mibActive + bmlInactive + mibInactive`. The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to position 0. Initial data is seeded from `CardsCache` so the stack appears immediately; a background `HomeActivity.triggerRefreshCards()` refreshes it.
+Active cards come first, then inactive ones; within each group cards are sorted by the user's [login order](00-app-overview.md#login-order) via `CardItem.loginTag`. The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to position 0. Initial data is seeded from `CardsCache` so the stack appears immediately; a background `HomeActivity.triggerRefreshCards()` refreshes it.
 
 ### Card Art
 

docs/thijooree/25-qr-scanner.md

@@ -57,10 +57,10 @@ Each caller registers an `ActivityResultContracts.StartActivityForResult` launch
 
 | Caller | Result handling |
 |---|---|
-| [TransferFragment](07-transfer.md) | Routes PayMV / BML URL via `PaymvQrParser` + `extractBmlGatewayUrl` |
+| [TransferFragment](07-transfer.md) | `PaymvQrParser.bmlQrPayTarget()` first (URL, combined and POS QRs → BML QR pay), then M-Faisa numeric ids, then `PaymvQrParser.parse()` |
 | [PayMvQrFragment](11-paymv-qr-screen.md) | Generation only — does not call the scanner directly |
 | `CredentialsFragment` (login) | `OtpauthParser.parse(raw)` → fills `etOtpSeed` or shows a chooser for multi-entry QRs |
-| [DashboardFragment](21-dashboard.md) | BML URL → BML QR pay; PayMV → pre-fill Transfer; otherwise toast |
+| [DashboardFragment](21-dashboard.md) | BML QR (URL or POS) → BML QR pay; PayMV → pre-fill Transfer; otherwise toast |
 | [CardsFragment](22-cards.md) | Same routing as Dashboard, scoped to the active BML card |
 
 ### Share-to-Scan Fast Path

docs/thijooree/README.md

@@ -22,7 +22,7 @@ Documentation for app-specific logic — UI flows, routing decisions, and busine
 | [11 — PayMV QR Screen](11-paymv-qr-screen.md) | Generate receive-payment QR (send/scan lives in Transfer) |
 | [12 — BML QR Pay](12-bml-qr-pay.md) | (Stub — see Transfer Flows for the live BML QR merchant flow) |
 | [13 — Financing](13-financing.md) | MIB promotional deals, BML loans, BML foreign spend limits |
-| [14 — Settings](14-settings.md) | Settings hub: Logins, Appearance, Privacy & Security, Notifications, Storage, About |
+| [14 — Settings](14-settings.md) | Settings hub: Logins (drag to reorder), Appearance, Privacy & Security, Notifications, Storage, About |
 | [15 — Settings: Security](15-settings-security.md) | Change lock method, biometrics, auto-lock timeout, screenshots |
 | [16 — Settings: Appearance](16-settings-appearance.md) | Navigation mode, slot drag-reorder, theme, accent colour, language |
 | [17 — Settings: Storage](17-settings-storage.md) | Single "Clear All Caches" button |

fastlane/metadata/android/en-US/changelogs/10.txt

@@ -0,0 +1 @@
+- Support for BML payment gateway using PayMV QR

fastlane/metadata/android/en-US/changelogs/11.txt

@@ -0,0 +1,5 @@
+- NFC tap-to-pay with wallet integration
+- Set a default card for NFC payments
+- Launcher shortcut renamed to "Scan to Pay"
+- New NFC icon
+- Cards hidden when not relevant

fastlane/metadata/android/en-US/changelogs/12.txt

@@ -0,0 +1,9 @@
+- Default transfer accounts
+- Share-to-scan-to-pay with merchant details
+- Static BML QR scans saved to recents
+- Unified QR scan flow across banks
+- Friendlier transfer flow UI
+- Removed *** masking on PayMV QR amounts
+- New NFC tap-to-pay animation
+- Fixed NFC-related crash
+- Scanning a PayMV QR after selecting a card falls back to the transfer flow

fastlane/metadata/android/en-US/changelogs/13.txt

@@ -0,0 +1,2 @@
+- Fixed transfer form resetting on switching tabs
+- Fixed default account not selected from contacts page or contact picker

fastlane/metadata/android/en-US/changelogs/14.txt

@@ -0,0 +1 @@
+- New navigation mode: Nostalgic

fastlane/metadata/android/en-US/changelogs/15.txt

@@ -0,0 +1,10 @@
+- View details of blocked balance
+- Notifications
+- Wheel optimizations
+- Fixed back navigation from Finances page
+- Fixed "An error occurred" instead of "No available balance"
+- Fixed Islamic visa card image
+- Fixed PIN button glyph scaling and theme bugs
+- Fixed receipt buttons on some phones
+- Fixed balance not updating after BML QR payment
+- Fixed onboarding warning bypass

fastlane/metadata/android/en-US/changelogs/16.txt

@@ -0,0 +1 @@
+- NFC prompts for off, default and not supported states

fastlane/metadata/android/en-US/changelogs/17.txt

@@ -0,0 +1,3 @@
+- About page
+- Donate to support development
+- Import TOTP QR and Google Authenticator export QR