Implement bank transfer app flows

Thijooree iOS/Storage/AccountCache.swift

@@ -0,0 +1,27 @@
+import Foundation
+
+// Encrypted account cache backed by UserDefaults (AES-256-GCM via CacheEncryption).
+// Used by HomeViewModel to display cached data instantly on launch while a fresh
+// network fetch runs in the background.
+struct AccountCache {
+    static let shared = AccountCache()
+    private let udKey = "thijooree_accounts_v1"
+    private init() {}
+
+    func save(_ accounts: [BankAccount]) {
+        guard let json = try? JSONEncoder().encode(accounts),
+              let encrypted = try? CacheEncryption.shared.encryptData(json) else { return }
+        UserDefaults.standard.set(encrypted, forKey: udKey)
+    }
+
+    func load() -> [BankAccount] {
+        guard let encrypted = UserDefaults.standard.string(forKey: udKey),
+              let json = try? CacheEncryption.shared.decryptData(encrypted),
+              let accounts = try? JSONDecoder().decode([BankAccount].self, from: json) else { return [] }
+        return accounts
+    }
+
+    func clear() {
+        UserDefaults.standard.removeObject(forKey: udKey)
+    }
+}