Add Tap to Pay feature and misc fixes

Adds BML contactless token fetching, APDU emulation utility, TapToPayViewModel, and TapToPayView with NFC animation. Also updates QR scanner, transfer flow, dashboard, and home views.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

Thijooree iOS/Views/Home/DashboardView.swift

@@ -10,6 +10,9 @@ import SwiftUI
 struct DashboardView: View {
     @Environment(HomeViewModel.self) private var vm
     @Environment(AppViewModel.self) private var app
+    @State private var showQRScanner = false
+    @State private var scannedCardAccountNumber: String? = nil
+    @State private var tapToPayAccount: BankAccount? = nil
 
     var body: some View {
         NavigationStack {
@@ -118,8 +121,7 @@ struct DashboardView: View {
                 // ── Fixed bottom quick-action bar ────────────────────────────────
                 HStack(spacing: 8) {
                     QuickActionButton(icon: "arrow.up.right", label: "Transfer") {}
-                    QuickActionButton(icon: "qrcode",         label: "PayMV QR") {}
-                }
+                    QuickActionButton(icon: "qrcode",         label: "PayMV QR") { showQRScanner = true }                }
                 .padding(.horizontal, 16)
                 .padding(.top, 8)
                 .padding(.bottom, max(16, 0))
@@ -128,6 +130,16 @@ struct DashboardView: View {
             .navigationTitle("Thijooree")
             .navigationBarTitleDisplayMode(.inline)
             .toolbar { toolbarItems }
+            .sheet(isPresented: $showQRScanner) {
+                QRScannerSheet { qrContent in
+                    handleQR(qrContent)
+                }
+            }
+            .sheet(item: $tapToPayAccount) { account in
+                TapToPayView(account: account) {
+                    tapToPayAccount = nil
+                }
+            }
         }
     }
 
@@ -137,7 +149,12 @@ struct DashboardView: View {
         ScrollView(.horizontal, showsIndicators: false) {
             HStack(spacing: 0) {
                 ForEach(vm.cardAccounts) { card in
-                    CardCarouselItem(account: card, hide: vm.hideAmounts)
+                    CardCarouselItem(account: card, hide: vm.hideAmounts, onScanToPay: {
+                        scannedCardAccountNumber = card.accountNumber
+                        showQRScanner = true
+                    }, onTapToPay: {
+                        tapToPayAccount = card
+                    })
                         .padding(.trailing, 12)
                 }
             }
@@ -168,6 +185,26 @@ struct DashboardView: View {
         }
     }
 
+    // MARK: - QR handler
+
+    private func handleQR(_ content: String) {
+        let bmlUrl = PaymvQrParser.extractBmlGatewayUrl(content)
+        if content.hasPrefix("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != nil {
+            vm.pendingBmlQrUrl = bmlUrl ?? content
+            vm.pendingQrFromCard = scannedCardAccountNumber
+            return
+        }
+
+        if let result = PaymvQrParser.parse(content) {
+            vm.pendingTransferQRData = result
+            vm.pendingQrFromCard = scannedCardAccountNumber
+        } else {
+            let fallback = PaymvQrResult(account: content, amount: nil, merchantName: nil, purpose: nil)
+            vm.pendingTransferQRData = fallback
+            vm.pendingQrFromCard = scannedCardAccountNumber
+        }
+    }
+
     // MARK: - Empty state
 
     private var emptyState: some View {
@@ -232,6 +269,8 @@ private struct BalanceCard: View {
 struct CardCarouselItem: View {
     let account: BankAccount
     let hide: Bool
+    let onScanToPay: () -> Void
+    let onTapToPay: () -> Void
 
     var body: some View {
         VStack(spacing: 0) {
@@ -274,8 +313,8 @@ struct CardCarouselItem: View {
 
             // Action buttons
             HStack(spacing: 4) {
-                CardActionButton(icon: "qrcode",       label: "Scan to Pay") {}
-                CardActionButton(icon: "wave.3.right", label: "Tap to Pay")  {}
+                CardActionButton(icon: "qrcode",       label: "Scan to Pay") { onScanToPay() }
+                CardActionButton(icon: "wave.3.right", label: "Tap to Pay")  { onTapToPay() }
             }
             .padding(.horizontal, 10)
             .padding(.top, 8)