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

<?xml version="1.0" encoding="utf-8"?>
<com.google.android.material.card.MaterialCardView
    xmlns:android="http://schemas.android.com/apk/res/android"
    xmlns:app="http://schemas.android.com/apk/res-auto"
    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="24dp">

    <LinearLayout
        android:layout_width="match_parent"
        android:layout_height="wrap_content"
        android:orientation="vertical"
        android:paddingHorizontal="20dp"
        android:paddingTop="16dp"
        android:paddingBottom="12dp">

        <!-- Header: logo, bank + holder name, countdown ring -->
        <LinearLayout
            android:layout_width="match_parent"
            android:layout_height="wrap_content"
            android:orientation="horizontal"
            android:gravity="center_vertical">

            <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="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>

</com.google.android.material.card.MaterialCardView>