contacts, contact picker and trnasfer account look up ui

2026-05-13 02:15:53 +05:00
parent c49cce0cf2
commit b452940ed0
19 changed files with 1284 additions and 35 deletions
--- a/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt
+++ b/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt
@@ -4,6 +4,7 @@ import android.app.Application
 import androidx.appcompat.app.AppCompatDelegate
 import com.google.android.material.color.DynamicColors
 import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibSession

@@ -15,6 +16,10 @@ class BasedBankApp : Application() {
    var mibSession: MibSession? = null
    var mibProfiles: List<MibProfile> = emptyList()

+    val mibLoginFlow by lazy {
+        MibLoginFlow(getSharedPreferences("mib_prefs", MODE_PRIVATE))
+    }
+
    override fun onCreate() {
        super.onCreate()
        DynamicColors.applyToActivitiesIfAvailable(this)
--- a/app/src/main/java/sh/sar/basedbank/api/mib/MibLoginFlow.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/mib/MibLoginFlow.kt
@@ -263,7 +263,8 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
                        currentBalance = a.optString("currentBalance"),
                        blockedAmount = a.optString("blockedAmount"),
                        mvrBalance = a.optString("mvrBalance"),
-                        statusDesc = a.optString("statusDesc")
+                        statusDesc = a.optString("statusDesc"),
+                        profileImageHash = profile.customerImage
                    )
                )
            }
@@ -283,11 +284,22 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
                name = p.optString("name"),
                cifType = p.optString("cifType"),
                profileType = p.optString("profileType"),
-                color = p.optString("color")
+                color = p.optString("color"),
+                customerImage = p.optString("customerImage").takeIf { it.isNotBlank() }
            )
        }
    }

+    /** Fetches a profile image via P41. Returns base64 JPEG string, or null if not found. */
+    fun fetchProfileImage(session: MibSession, imageHash: String): String? {
+        val payload = baseData(session, "P41").apply {
+            put("imageHash", imageHash)
+        }
+        val resp = doRequest(session, payload, "n")
+        if (!resp.optBoolean("success", false)) return null
+        return resp.optString("profileImage").takeIf { it.isNotBlank() }
+    }
+
    private fun post(body: FormBody): String {
        val request = Request.Builder()
            .url(BASE_URL)
--- a/app/src/main/java/sh/sar/basedbank/api/mib/MibModels.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/mib/MibModels.kt
@@ -15,7 +15,8 @@ data class MibProfile(
    val name: String,
    val cifType: String,
    val profileType: String,
-    val color: String
+    val color: String,
+    val customerImage: String?
 )

 data class MibAccount(
@@ -29,7 +30,8 @@ data class MibAccount(
    val currentBalance: String,
    val blockedAmount: String,
    val mvrBalance: String,
-    val statusDesc: String
+    val statusDesc: String,
+    val profileImageHash: String?
 )

 data class MibBeneficiaryCategory(
@@ -53,6 +55,12 @@ data class MibBeneficiary(
    val benefCategoryId: String  // "0" = uncategorized
 )

+data class MibIpsAccountInfo(
+    val accountName: String,
+    val accountNumber: String,
+    val bankId: String
+)
+
 data class MibFinanceDeal(
    val dealNo: String,
    val productDesc: String,
--- a/app/src/main/java/sh/sar/basedbank/api/mib/MibTransferClient.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/mib/MibTransferClient.kt
@@ -0,0 +1,143 @@
+package sh.sar.basedbank.api.mib
+
+import android.util.Log
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class MibLookupException(message: String) : Exception(message)
+
+class MibTransferClient {
+
+    private val TAG = "MibTransferClient"
+    private val BASE_WV_URL = "https://faisamobilex-wv.mib.com.mv"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(15, TimeUnit.SECONDS)
+        .readTimeout(15, TimeUnit.SECONDS)
+        .build()
+
+    private fun cookieHeader(session: MibSession) =
+        "mbmodel=IOS-1.0; xxid=${session.xxid}; IBSID=${session.xxid}; " +
+                "mbnonce=${session.nonceGenerator}; time-tracker=597"
+
+    private fun Request.Builder.withWvHeaders(session: MibSession): Request.Builder = this
+        .header("Cookie", cookieHeader(session))
+        .header(
+            "User-Agent",
+            "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+        )
+        .header("X-Requested-With", "XMLHttpRequest")
+        .header("Accept", "*/*")
+        .header("Origin", BASE_WV_URL)
+        .header("Referer", "$BASE_WV_URL/transfer/quick")
+
+    /**
+     * Routes the lookup to the correct endpoint based on input format:
+     *
+     * - 15 digits starting with 7  → IPS account lookup (BML / local bank)
+     * - 17 digits starting with 9  → MIB internal account name lookup
+     * - 7 digits starting with 7 or 9,
+     *   A + 6 digits,
+     *   or email address           → Favara alias lookup
+     */
+    fun lookup(session: MibSession, input: String): MibIpsAccountInfo {
+        val trimmed = input.trim()
+        return when {
+            trimmed.matches(Regex("^7\\d{12}$"))    -> lookupIpsAccount(session, trimmed)
+            trimmed.matches(Regex("^9\\d{16}$"))    -> lookupAccountName(session, trimmed)
+            trimmed.matches(Regex("^[79]\\d{6}$"))  -> lookupAlias(session, trimmed)
+            trimmed.matches(Regex("^[Aa]\\d{6}$"))  -> lookupAlias(session, trimmed)
+            trimmed.contains("@")                   -> lookupAlias(session, trimmed)
+            else -> throw MibLookupException("Unrecognized account number format")
+        }
+    }
+
+    /** BML / local bank: 15-digit account starting with 7. */
+    private fun lookupIpsAccount(session: MibSession, accountNumber: String): MibIpsAccountInfo {
+        val body = FormBody.Builder().add("benefAccount", accountNumber).build()
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/AjaxAlias/getIPSAccount")
+            .post(body)
+            .withWvHeaders(session)
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            Log.d(TAG, "lookupIpsAccount: HTTP ${response.code}")
+            val bodyStr = response.body?.string() ?: ""
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) { null }
+            if (!response.isSuccessful || json == null || !json.optBoolean("success")) {
+                throw MibLookupException(
+                    json?.optString("reasonText")?.trim()?.takeIf { it.isNotBlank() }
+                        ?: "Request failed (${response.code})"
+                )
+            }
+            MibIpsAccountInfo(
+                accountName = json.optString("accountName").trim(),
+                accountNumber = accountNumber,
+                bankId = json.optString("bankBic")
+            )
+        }
+    }
+
+    /** MIB internal: 17-digit account starting with 9. */
+    private fun lookupAccountName(session: MibSession, accountNumber: String): MibIpsAccountInfo {
+        val body = FormBody.Builder().add("accountNo", accountNumber).build()
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxBeneficiary/getAccountName")
+            .post(body)
+            .withWvHeaders(session)
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            Log.d(TAG, "lookupAccountName: HTTP ${response.code}")
+            val bodyStr = response.body?.string() ?: ""
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) { null }
+            if (!response.isSuccessful || json == null || !json.optBoolean("success")) {
+                throw MibLookupException(
+                    json?.optString("reasonText")?.trim()?.takeIf { it.isNotBlank() }
+                        ?: "Request failed (${response.code})"
+                )
+            }
+            // accountName may be at root or inside a "data" object
+            val name = json.optString("accountName").takeIf { it.isNotBlank() }
+                ?: json.optJSONObject("data")?.optString("accountName") ?: ""
+            MibIpsAccountInfo(
+                accountName = name.trim(),
+                accountNumber = accountNumber,
+                bankId = "MADVMVMV"  // MIB
+            )
+        }
+    }
+
+    /** Favara alias: 7-digit shortcode (7/9 prefix), A-format ID, or email. */
+    private fun lookupAlias(session: MibSession, aliasName: String): MibIpsAccountInfo {
+        val body = FormBody.Builder().add("aliasName", aliasName).build()
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/AjaxAlias/getAlias")
+            .post(body)
+            .withWvHeaders(session)
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            Log.d(TAG, "lookupAlias: HTTP ${response.code}")
+            val bodyStr = response.body?.string() ?: ""
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) { null }
+            if (!response.isSuccessful || json == null || !json.optBoolean("success")) {
+                throw MibLookupException(
+                    json?.optString("reasonText")?.trim()?.takeIf { it.isNotBlank() }
+                        ?: "Request failed (${response.code})"
+                )
+            }
+            val data = json.getJSONObject("data")
+            val cdtrAcct = data.getJSONObject("CdtrAcct")
+            MibIpsAccountInfo(
+                accountName = data.optString("BfyNm").trim(),
+                accountNumber = cdtrAcct.optString("Acct"),
+                bankId = cdtrAcct.optString("FinInstnId")
+            )
+        }
+    }
+}
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerAdapter.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerAdapter.kt
@@ -0,0 +1,125 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.graphics.Bitmap
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
+import android.view.LayoutInflater
+import android.view.ViewGroup
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.databinding.ItemPickerRowBinding
+import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
+
+class ContactPickerAdapter(
+    private val onItemClick: (accountNumber: String, label: String) -> Unit,
+    private val onSameAsFrom: () -> Unit,
+    private val onImageNeeded: ((hash: String) -> Unit)? = null,
+    private val onItemLongClick: ((accountNumber: String, anchor: android.view.View) -> Boolean)? = null
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    sealed class PickerItem {
+        data class Header(val title: String) : PickerItem()
+        data class Row(
+            val accountNumber: String,
+            val displayName: String,
+            val subtitle: String,
+            val colorHex: String,
+            val isSameAsFrom: Boolean = false,
+            val isManualEntry: Boolean = false,
+            val imageHash: String? = null
+        ) : PickerItem()
+    }
+
+    private var items: List<PickerItem> = emptyList()
+    private val imageCache = mutableMapOf<String, Bitmap>()
+
+    fun updateImage(hash: String, bitmap: Bitmap) {
+        imageCache[hash] = bitmap
+        val idx = items.indexOfFirst { it is PickerItem.Row && it.imageHash == hash }
+        if (idx >= 0) notifyItemChanged(idx)
+    }
+
+    fun submitList(newItems: List<PickerItem>) {
+        items = newItems
+        notifyDataSetChanged()
+    }
+
+    companion object {
+        private const val TYPE_HEADER = 0
+        private const val TYPE_ROW = 1
+    }
+
+    override fun getItemViewType(position: Int) = when (items[position]) {
+        is PickerItem.Header -> TYPE_HEADER
+        is PickerItem.Row -> TYPE_ROW
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return when (viewType) {
+            TYPE_HEADER -> HeaderVH(ItemPickerSectionHeaderBinding.inflate(inflater, parent, false))
+            else -> RowVH(ItemPickerRowBinding.inflate(inflater, parent, false))
+        }
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        when (val item = items[position]) {
+            is PickerItem.Header -> (holder as HeaderVH).bind(item)
+            is PickerItem.Row -> (holder as RowVH).bind(item)
+        }
+    }
+
+    override fun getItemCount() = items.size
+
+    inner class HeaderVH(private val binding: ItemPickerSectionHeaderBinding) :
+        RecyclerView.ViewHolder(binding.root) {
+        fun bind(item: PickerItem.Header) {
+            binding.tvHeader.text = item.title
+        }
+    }
+
+    inner class RowVH(private val binding: ItemPickerRowBinding) :
+        RecyclerView.ViewHolder(binding.root) {
+
+        fun bind(item: PickerItem.Row) {
+            binding.tvPrimary.text = item.displayName
+            binding.tvSecondary.text = item.subtitle
+
+            val cached = item.imageHash?.let { imageCache[it] }
+            if (cached != null) {
+                binding.ivIcon.setImageBitmap(cached)
+            } else {
+                val iconChar = if (item.isManualEntry) "→" else item.displayName.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+                val iconColor = if (item.isManualEntry) "#546E7A" else item.colorHex
+                binding.ivIcon.setImageBitmap(makeInitialsBitmap(iconChar, iconColor, binding.ivIcon.context))
+                if (item.imageHash != null) onImageNeeded?.invoke(item.imageHash)
+            }
+
+            binding.root.alpha = if (item.isSameAsFrom) 0.4f else 1.0f
+            binding.root.setOnClickListener {
+                if (item.isSameAsFrom) onSameAsFrom()
+                else onItemClick(item.accountNumber, item.displayName)
+            }
+            binding.root.setOnLongClickListener { view ->
+                onItemLongClick?.invoke(item.accountNumber, view) ?: false
+            }
+        }
+
+        private fun makeInitialsBitmap(letter: String, colorHex: String, context: Context): Bitmap {
+            val sizePx = (context.resources.displayMetrics.density * 44).toInt()
+            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 metrics = paint.fontMetrics
+            canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
+            return bm
+        }
+    }
+}
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt
@@ -0,0 +1,222 @@
+package sh.sar.basedbank.ui.home
+
+import android.graphics.BitmapFactory
+import android.os.Bundle
+import android.util.Base64
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.os.bundleOf
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.activityViewModels
+import androidx.fragment.app.setFragmentResult
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import com.google.android.material.tabs.TabLayout
+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.mib.MibContactsClient
+import android.widget.PopupMenu
+import sh.sar.basedbank.databinding.SheetContactPickerBinding
+import sh.sar.basedbank.util.RecentsCache
+
+class ContactPickerSheetFragment : BottomSheetDialogFragment() {
+
+    private var _binding: SheetContactPickerBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private lateinit var adapter: ContactPickerAdapter
+    // null = All, RECENTS_TAG = Recents, else = category id
+    private var activeCategoryId: String? = RECENTS_TAG
+    private val pendingHashes = mutableSetOf<String>()
+    private val profileImageHashes = mutableSetOf<String>()
+    private val app get() = requireActivity().application as BasedBankApp
+    private val session get() = app.mibSession
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = SheetContactPickerBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val selectedAccountNumber = arguments?.getString(ARG_FROM_ACCOUNT) ?: ""
+
+        adapter = ContactPickerAdapter(
+            onItemClick = { accountNumber, label ->
+                setFragmentResult(REQUEST_KEY, bundleOf(
+                    KEY_ACCOUNT_NUMBER to accountNumber,
+                    KEY_LABEL to label
+                ))
+                dismiss()
+            },
+            onSameAsFrom = {},
+            onImageNeeded = { hash -> fetchImage(hash) },
+            onItemLongClick = { accountNumber, anchor ->
+                if (activeCategoryId == RECENTS_TAG) {
+                    val menu = PopupMenu(requireContext(), anchor)
+                    menu.menu.add(getString(R.string.recents_remove))
+                    menu.setOnMenuItemClickListener {
+                        RecentsCache.remove(requireContext(), accountNumber)
+                        rebuildList(selectedAccountNumber)
+                        true
+                    }
+                    menu.show()
+                    true
+                } else false
+            }
+        )
+
+        binding.sheetRecyclerView.layoutManager = LinearLayoutManager(requireContext())
+        binding.sheetRecyclerView.adapter = adapter
+
+        binding.etSheetSearch.addTextChangedListener { rebuildList(selectedAccountNumber) }
+
+        // Tabs: Recents | All | <categories...>
+        binding.sheetCategoryTabs.addTab(
+            binding.sheetCategoryTabs.newTab().setText(R.string.contacts_tab_recents).apply { tag = RECENTS_TAG }
+        )
+        binding.sheetCategoryTabs.addTab(
+            binding.sheetCategoryTabs.newTab().setText(R.string.contacts_tab_all).apply { tag = null }
+        )
+        binding.sheetCategoryTabs.addOnTabSelectedListener(object : TabLayout.OnTabSelectedListener {
+            override fun onTabSelected(tab: TabLayout.Tab) {
+                activeCategoryId = tab.tag as? String
+                rebuildList(selectedAccountNumber)
+            }
+            override fun onTabUnselected(tab: TabLayout.Tab) {}
+            override fun onTabReselected(tab: TabLayout.Tab) {}
+        })
+
+        viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
+            // Remove all tabs after "All" (index 1) and re-add categories
+            while (binding.sheetCategoryTabs.tabCount > 2) binding.sheetCategoryTabs.removeTabAt(2)
+            for (cat in cats) {
+                binding.sheetCategoryTabs.addTab(
+                    binding.sheetCategoryTabs.newTab().setText(cat.categoryName).apply { tag = cat.id }
+                )
+            }
+            rebuildList(selectedAccountNumber)
+        }
+
+        viewModel.contacts.observe(viewLifecycleOwner) { rebuildList(selectedAccountNumber) }
+        viewModel.accounts.observe(viewLifecycleOwner) { rebuildList(selectedAccountNumber) }
+    }
+
+    private fun rebuildList(fromNumber: String) {
+        val search = binding.etSheetSearch.text?.toString()?.trim() ?: ""
+        val items = mutableListOf<ContactPickerAdapter.PickerItem>()
+
+        if (activeCategoryId == RECENTS_TAG) {
+            val recents = RecentsCache.load(requireContext())
+            val filtered = if (search.isBlank()) recents else recents.filter {
+                it.displayName.contains(search, ignoreCase = true) || it.accountNumber.contains(search)
+            }
+            for (r in filtered) {
+                if (r.isProfileImage && r.imageHash != null) profileImageHashes.add(r.imageHash)
+                items.add(ContactPickerAdapter.PickerItem.Row(
+                    accountNumber = r.accountNumber,
+                    displayName = r.displayName,
+                    subtitle = r.subtitle,
+                    colorHex = r.colorHex,
+                    isSameAsFrom = r.accountNumber == fromNumber,
+                    imageHash = r.imageHash
+                ))
+            }
+            adapter.submitList(items)
+            return
+        }
+
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+
+        if (activeCategoryId == null) {
+            val filtered = if (search.isBlank()) accounts else accounts.filter {
+                it.accountBriefName.contains(search, ignoreCase = true) || it.accountNumber.contains(search)
+            }
+            if (filtered.isNotEmpty()) {
+                items.add(ContactPickerAdapter.PickerItem.Header(getString(R.string.transfer_my_accounts)))
+                for (acc in filtered) {
+                    if (acc.profileImageHash != null) profileImageHashes.add(acc.profileImageHash)
+                    items.add(ContactPickerAdapter.PickerItem.Row(
+                        accountNumber = acc.accountNumber,
+                        displayName = acc.accountBriefName,
+                        subtitle = "${acc.accountNumber} · ${acc.currencyName} ${acc.availableBalance}",
+                        colorHex = "#FE860E",
+                        isSameAsFrom = acc.accountNumber == fromNumber,
+                        imageHash = acc.profileImageHash
+                    ))
+                }
+            }
+        }
+
+        val filteredContacts = contacts.filter { contact ->
+            val matchesCat = activeCategoryId == null || contact.benefCategoryId == activeCategoryId
+            val matchesSearch = search.isBlank() ||
+                    contact.benefNickName.contains(search, ignoreCase = true) ||
+                    contact.benefName.contains(search, ignoreCase = true) ||
+                    contact.benefAccount.contains(search)
+            matchesCat && matchesSearch
+        }
+
+        if (filteredContacts.isNotEmpty()) {
+            if (activeCategoryId == null) {
+                items.add(ContactPickerAdapter.PickerItem.Header(getString(R.string.nav_contacts)))
+            }
+            for (contact in filteredContacts) {
+                items.add(ContactPickerAdapter.PickerItem.Row(
+                    accountNumber = contact.benefAccount,
+                    displayName = contact.benefNickName,
+                    subtitle = "${contact.benefBankName} · ${contact.benefAccount}",
+                    colorHex = contact.bankColor,
+                    isSameAsFrom = contact.benefAccount == fromNumber,
+                    imageHash = contact.customerImgHash
+                ))
+            }
+        }
+
+        adapter.submitList(items)
+    }
+
+    private fun fetchImage(hash: String) {
+        if (!pendingHashes.add(hash)) return
+        val sess = session ?: return
+        lifecycleScope.launch(Dispatchers.IO) {
+            try {
+                val base64 = if (hash in profileImageHashes) {
+                    app.mibLoginFlow.fetchProfileImage(sess, hash)
+                } else {
+                    MibContactsClient().fetchProfileImageBase64(sess, hash)
+                } ?: return@launch
+                val bytes = Base64.decode(base64, Base64.DEFAULT)
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size) ?: return@launch
+                withContext(Dispatchers.Main) {
+                    adapter.updateImage(hash, bitmap)
+                }
+            } catch (_: Exception) {
+                pendingHashes.remove(hash)
+            }
+        }
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        const val REQUEST_KEY = "contact_picker"
+        const val KEY_ACCOUNT_NUMBER = "accountNumber"
+        const val KEY_LABEL = "label"
+        private const val ARG_FROM_ACCOUNT = "fromAccount"
+        private const val RECENTS_TAG = "__recents__"
+
+        fun newInstance(fromAccountNumber: String) = ContactPickerSheetFragment().apply {
+            arguments = bundleOf(ARG_FROM_ACCOUNT to fromAccountNumber)
+        }
+    }
+}
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -1,18 +1,36 @@
 package sh.sar.basedbank.ui.home

 import android.content.Context
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
 import android.os.Bundle
+import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ArrayAdapter
 import android.widget.Toast
+import androidx.core.widget.addTextChangedListener
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
+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.mib.MibAccount
+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.MibTransferClient
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache

 class TransferFragment : Fragment() {

@@ -21,6 +39,7 @@ class TransferFragment : Fragment() {
    private val viewModel: HomeViewModel by activityViewModels()

    private var selectedAccount: MibAccount? = null
+    private val session get() = (requireActivity().application as BasedBankApp).mibSession

    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
        _binding = FragmentTransferBinding.inflate(inflater, container, false)
@@ -28,8 +47,18 @@ class TransferFragment : Fragment() {
    }

    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
-            setupAccountDropdown(accounts)
+        setupFromDropdown()
+        setupAccountLookup()
+
+        childFragmentManager.setFragmentResultListener(ContactPickerSheetFragment.REQUEST_KEY, viewLifecycleOwner) { _, bundle ->
+            val accountNumber = bundle.getString(ContactPickerSheetFragment.KEY_ACCOUNT_NUMBER) ?: return@setFragmentResultListener
+            val label = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
+            prefillToFromContact(accountNumber, label)
+        }
+
+        binding.btnPickContact.setOnClickListener {
+            val sheet = ContactPickerSheetFragment.newInstance(selectedAccount?.accountNumber ?: "")
+            sheet.show(childFragmentManager, "contact_picker")
        }

        binding.btnTransfer.setOnClickListener {
@@ -37,21 +66,188 @@ class TransferFragment : Fragment() {
        }
    }

-    private fun setupAccountDropdown(accounts: List<MibAccount>) {
-        val adapter = AccountDropdownAdapter(requireContext(), accounts)
-        binding.actvFrom.setAdapter(adapter)
+    private fun setupFromDropdown() {
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            val adapter = AccountDropdownAdapter(requireContext(), accounts)
+            binding.actvFrom.setAdapter(adapter)

-        if (accounts.isNotEmpty() && selectedAccount == null) {
-            selectedAccount = accounts[0]
-            binding.actvFrom.setText(accounts[0].toDisplayString(), false)
+            if (accounts.isNotEmpty() && selectedAccount == null) {
+                selectedAccount = accounts[0]
+                binding.actvFrom.setText(accounts[0].toDisplayString(), false)
+            }
+
+            binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
+                selectedAccount = accounts[position]
+                binding.actvFrom.setText(accounts[position].toDisplayString(), false)
+            }
+        }
+    }
+
+    private fun setupAccountLookup() {
+        binding.tilTo.setEndIconOnClickListener { lookupAccount() }
+
+        binding.btnClearToInfo.setOnClickListener {
+            binding.cardToInfo.visibility = View.GONE
+            binding.tilTo.visibility = View.VISIBLE
+            binding.btnPickContact.visibility = View.VISIBLE
+            binding.tilTo.error = null
        }

-        binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
-            selectedAccount = accounts[position]
-            binding.actvFrom.setText(accounts[position].toDisplayString(), false)
+        binding.etTo.addTextChangedListener {
+            binding.tilTo.error = null
+            if (binding.cardToInfo.visibility == View.VISIBLE) {
+                binding.cardToInfo.visibility = View.GONE
+                binding.tilTo.visibility = View.VISIBLE
+                binding.btnPickContact.visibility = View.VISIBLE
+            }
        }
    }

+    private fun lookupAccount() {
+        val accountNumber = binding.etTo.text?.toString()?.trim() ?: ""
+        if (accountNumber.isBlank()) {
+            Toast.makeText(requireContext(), R.string.transfer_enter_account_first, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val sess = session
+        if (sess == null) {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        binding.tilTo.isEnabled = false
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            var errorMsg: String? = null
+            val info = withContext(Dispatchers.IO) {
+                try {
+                    MibTransferClient().lookup(sess, accountNumber)
+                } catch (e: MibLookupException) {
+                    errorMsg = e.message
+                    null
+                } catch (_: Exception) {
+                    errorMsg = getString(R.string.transfer_account_not_found)
+                    null
+                }
+            }
+            binding.tilTo.isEnabled = true
+            if (info != null) {
+                val accounts = viewModel.accounts.value ?: emptyList()
+                val contacts = viewModel.contacts.value ?: emptyList()
+                val matchedAcc = accounts.firstOrNull { it.accountNumber == info.accountNumber }
+                val matchedContact = contacts.firstOrNull { it.benefAccount == info.accountNumber }
+
+                val displayName = matchedAcc?.accountBriefName
+                    ?: matchedContact?.benefNickName
+                    ?: info.accountName
+                val colorHex = if (matchedAcc != null) "#FE860E" else matchedContact?.bankColor ?: "#607D8B"
+
+                binding.tvToAccountName.text = displayName
+                binding.tvToBankBic.text = "${info.accountNumber} · ${info.bankId}"
+                binding.ivToPhoto.setImageBitmap(makeInitialsBitmap(displayName, colorHex))
+                binding.tilTo.visibility = View.GONE
+                binding.btnPickContact.visibility = View.GONE
+                binding.cardToInfo.visibility = View.VISIBLE
+                saveToRecents(info)
+
+                when {
+                    matchedAcc?.profileImageHash != null ->
+                        loadToPhoto(matchedAcc.profileImageHash, isProfile = true)
+                    matchedContact?.customerImgHash != null ->
+                        loadToPhoto(matchedContact.customerImgHash, isProfile = false)
+                }
+            } else {
+                Toast.makeText(requireContext(), errorMsg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
+    private fun prefillToFromContact(accountNumber: String, label: String) {
+        binding.cardToInfo.visibility = View.GONE
+        binding.tilTo.visibility = View.VISIBLE
+        binding.btnPickContact.visibility = View.VISIBLE
+        binding.tilTo.error = null
+        binding.etTo.setText(accountNumber)
+        lookupAccount()
+    }
+
+    private fun loadToPhoto(hash: String, isProfile: Boolean) {
+        val sess = session ?: return
+        val app = requireActivity().application as BasedBankApp
+        viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
+            try {
+                val base64 = if (isProfile) {
+                    app.mibLoginFlow.fetchProfileImage(sess, hash)
+                } else {
+                    MibContactsClient().fetchProfileImageBase64(sess, hash)
+                } ?: return@launch
+                val bytes = Base64.decode(base64, Base64.DEFAULT)
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size) ?: return@launch
+                withContext(Dispatchers.Main) {
+                    if (_binding != null) binding.ivToPhoto.setImageBitmap(bitmap)
+                }
+            } catch (_: Exception) { }
+        }
+    }
+
+    private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {
+        val sizePx = (resources.displayMetrics.density * 40).toInt()
+        val bgColor = try { Color.parseColor(colorHex) } catch (_: 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
+    }
+
+    private fun saveToRecents(info: MibIpsAccountInfo) {
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+
+        val acc = accounts.firstOrNull { it.accountNumber == info.accountNumber }
+        if (acc != null) {
+            RecentsCache.save(requireContext(), RecentPick(
+                accountNumber = acc.accountNumber,
+                displayName = acc.accountBriefName,
+                subtitle = "${acc.accountNumber} · ${acc.currencyName} ${acc.availableBalance}",
+                colorHex = "#FE860E",
+                imageHash = acc.profileImageHash,
+                isProfileImage = true
+            ))
+            return
+        }
+
+        val contact = contacts.firstOrNull { it.benefAccount == info.accountNumber }
+        if (contact != null) {
+            RecentsCache.save(requireContext(), RecentPick(
+                accountNumber = contact.benefAccount,
+                displayName = contact.benefNickName,
+                subtitle = "${contact.benefBankName} · ${contact.benefAccount}",
+                colorHex = contact.bankColor,
+                imageHash = contact.customerImgHash,
+                isProfileImage = false
+            ))
+            return
+        }
+
+        // Manual entry not in contacts/accounts — save with resolved info
+        RecentsCache.save(requireContext(), RecentPick(
+            accountNumber = info.accountNumber,
+            displayName = info.accountName,
+            subtitle = "${info.accountNumber} · ${info.bankId}",
+            colorHex = "#607D8B",
+            imageHash = null,
+            isProfileImage = false
+        ))
+    }
+
    override fun onResume() {
        super.onResume()
        requireActivity().title = getString(R.string.transfer)
--- a/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt
@@ -25,6 +25,7 @@ object AccountCache {
                put("blockedAmount", acc.blockedAmount)
                put("mvrBalance", acc.mvrBalance)
                put("statusDesc", acc.statusDesc)
+                if (acc.profileImageHash != null) put("profileImageHash", acc.profileImageHash)
            })
        }
        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -49,7 +50,8 @@ object AccountCache {
                    currentBalance = o.optString("currentBalance"),
                    blockedAmount = o.optString("blockedAmount"),
                    mvrBalance = o.optString("mvrBalance"),
-                    statusDesc = o.optString("statusDesc")
+                    statusDesc = o.optString("statusDesc"),
+                    profileImageHash = o.optString("profileImageHash").takeIf { it.isNotBlank() }
                )
            }
        } catch (e: Exception) {
--- a/app/src/main/java/sh/sar/basedbank/util/RecentsCache.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/RecentsCache.kt
@@ -0,0 +1,80 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONArray
+import org.json.JSONObject
+
+data class RecentPick(
+    val accountNumber: String,
+    val displayName: String,
+    val subtitle: String,
+    val colorHex: String,
+    val imageHash: String?,
+    val isProfileImage: Boolean
+)
+
+object RecentsCache {
+
+    private const val PREFS = "recents_cache"
+    private const val KEY = "contact_recents"
+    private const val MAX = 10
+
+    fun save(context: Context, pick: RecentPick) {
+        val existing = load(context).toMutableList()
+        existing.removeAll { it.accountNumber == pick.accountNumber }
+        existing.add(0, pick)
+        if (existing.size > MAX) existing.subList(MAX, existing.size).clear()
+
+        val arr = JSONArray()
+        for (r in existing) {
+            arr.put(JSONObject().apply {
+                put("accountNumber", r.accountNumber)
+                put("displayName", r.displayName)
+                put("subtitle", r.subtitle)
+                put("colorHex", r.colorHex)
+                if (r.imageHash != null) put("imageHash", r.imageHash)
+                put("isProfileImage", r.isProfileImage)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(KEY, arr.toString()).apply()
+    }
+
+    fun remove(context: Context, accountNumber: String) {
+        val updated = load(context).filter { it.accountNumber != accountNumber }
+        val arr = JSONArray()
+        for (r in updated) {
+            arr.put(JSONObject().apply {
+                put("accountNumber", r.accountNumber)
+                put("displayName", r.displayName)
+                put("subtitle", r.subtitle)
+                put("colorHex", r.colorHex)
+                if (r.imageHash != null) put("imageHash", r.imageHash)
+                put("isProfileImage", r.isProfileImage)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(KEY, arr.toString()).apply()
+    }
+
+    fun load(context: Context): List<RecentPick> {
+        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(KEY, null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(json)
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                RecentPick(
+                    accountNumber = o.getString("accountNumber"),
+                    displayName = o.getString("displayName"),
+                    subtitle = o.getString("subtitle"),
+                    colorHex = o.getString("colorHex"),
+                    imageHash = o.optString("imageHash").takeIf { it.isNotBlank() },
+                    isProfileImage = o.optBoolean("isProfileImage", false)
+                )
+            }
+        } catch (_: Exception) {
+            emptyList()
+        }
+    }
+}
--- a/app/src/main/res/drawable/ic_contacts.xml
+++ b/app/src/main/res/drawable/ic_contacts.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="M12,12c2.21,0 4,-1.79 4,-4s-1.79,-4 -4,-4 -4,1.79 -4,4 1.79,4 4,4zM12,14c-2.67,0 -8,1.34 -8,4v2h16v-2c0,-2.66 -5.33,-4 -8,-4z"/>
+</vector>
--- a/app/src/main/res/layout/fragment_contacts.xml
+++ b/app/src/main/res/layout/fragment_contacts.xml
@@ -6,13 +6,6 @@
    android:layout_height="match_parent"
    android:orientation="vertical">

-    <com.google.android.material.tabs.TabLayout
-        android:id="@+id/tabLayout"
-        android:layout_width="match_parent"
-        android:layout_height="wrap_content"
-        app:tabMode="scrollable"
-        app:tabGravity="start" />
-
    <com.google.android.material.textfield.TextInputLayout
        android:layout_width="match_parent"
        android:layout_height="wrap_content"
@@ -37,6 +30,13 @@

    </com.google.android.material.textfield.TextInputLayout>

+    <com.google.android.material.tabs.TabLayout
+        android:id="@+id/tabLayout"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        app:tabMode="scrollable"
+        app:tabGravity="start" />
+
    <FrameLayout
        android:layout_width="match_parent"
        android:layout_height="0dp"
--- a/app/src/main/res/layout/fragment_dashboard.xml
+++ b/app/src/main/res/layout/fragment_dashboard.xml
@@ -86,6 +86,39 @@

        </LinearLayout>

+        <!-- Pending Finances card -->
+        <com.google.android.material.card.MaterialCardView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="16dp"
+            app:cardElevation="1dp"
+            app:cardCornerRadius="12dp">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:padding="16dp">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/dashboard_pending_finances"
+                    android:textAppearance="?attr/textAppearanceLabelSmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+                <TextView
+                    android:id="@+id/tvPendingFinances"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:text="MVR —"
+                    android:textAppearance="?attr/textAppearanceTitleMedium" />
+
+            </LinearLayout>
+
+        </com.google.android.material.card.MaterialCardView>
+
        <!-- Card support WIP -->
        <com.google.android.material.card.MaterialCardView
            android:layout_width="match_parent"
--- a/app/src/main/res/layout/fragment_transfer.xml
+++ b/app/src/main/res/layout/fragment_transfer.xml
@@ -45,23 +45,111 @@

                </com.google.android.material.textfield.TextInputLayout>

-                <!-- To account number -->
-                <com.google.android.material.textfield.TextInputLayout
-                    android:id="@+id/tilTo"
-                    style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                <!-- To field row: input + pick contact button -->
+                <LinearLayout
                    android:layout_width="match_parent"
                    android:layout_height="wrap_content"
-                    android:hint="@string/transfer_to"
-                    android:layout_marginBottom="16dp">
+                    android:orientation="horizontal"
+                    android:gravity="center_vertical">

-                    <com.google.android.material.textfield.TextInputEditText
-                        android:id="@+id/etTo"
+                    <com.google.android.material.textfield.TextInputLayout
+                        android:id="@+id/tilTo"
+                        style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                        android:layout_width="0dp"
+                        android:layout_weight="1"
+                        android:layout_height="wrap_content"
+                        android:hint="@string/transfer_to"
+                        app:endIconMode="custom"
+                        app:endIconDrawable="@android:drawable/ic_menu_search"
+                        app:endIconContentDescription="@string/transfer_lookup_account">
+
+                        <com.google.android.material.textfield.TextInputEditText
+                            android:id="@+id/etTo"
+                            android:layout_width="match_parent"
+                            android:layout_height="wrap_content"
+                            android:inputType="textNoSuggestions"
+                            android:maxLines="1" />
+
+                    </com.google.android.material.textfield.TextInputLayout>
+
+                    <com.google.android.material.button.MaterialButton
+                        android:id="@+id/btnPickContact"
+                        style="@style/Widget.Material3.Button.IconButton"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginStart="8dp"
+                        app:icon="@drawable/ic_contacts"
+                        android:contentDescription="@string/transfer_pick_contact" />
+
+                </LinearLayout>
+
+                <!-- Confirmed account info card (shown after successful lookup) -->
+                <com.google.android.material.card.MaterialCardView
+                    android:id="@+id/cardToInfo"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:visibility="gone"
+                    app:cardCornerRadius="4dp"
+                    app:cardElevation="0dp"
+                    app:strokeWidth="1dp"
+                    app:strokeColor="?attr/colorPrimary">
+
+                    <LinearLayout
                        android:layout_width="match_parent"
                        android:layout_height="wrap_content"
-                        android:inputType="number"
-                        android:maxLines="1" />
+                        android:orientation="horizontal"
+                        android:paddingStart="12dp"
+                        android:paddingEnd="4dp"
+                        android:paddingVertical="12dp"
+                        android:gravity="center_vertical">

-                </com.google.android.material.textfield.TextInputLayout>
+                        <com.google.android.material.imageview.ShapeableImageView
+                            android:id="@+id/ivToPhoto"
+                            android:layout_width="40dp"
+                            android:layout_height="40dp"
+                            android:layout_marginEnd="12dp"
+                            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/tvToAccountName"
+                                android:layout_width="match_parent"
+                                android:layout_height="wrap_content"
+                                android:textAppearance="?attr/textAppearanceBodyMedium"
+                                android:textStyle="bold"
+                                android:textColor="?attr/colorOnSurface" />
+
+                            <TextView
+                                android:id="@+id/tvToBankBic"
+                                android:layout_width="match_parent"
+                                android:layout_height="wrap_content"
+                                android:layout_marginTop="2dp"
+                                android:textAppearance="?attr/textAppearanceBodySmall"
+                                android:textColor="?attr/colorOnSurfaceVariant" />
+
+                        </LinearLayout>
+
+                        <ImageButton
+                            android:id="@+id/btnClearToInfo"
+                            android:layout_width="40dp"
+                            android:layout_height="40dp"
+                            android:src="@android:drawable/ic_menu_close_clear_cancel"
+                            android:background="?attr/selectableItemBackgroundBorderless"
+                            android:contentDescription="@string/transfer_clear_recipient" />
+
+                    </LinearLayout>
+
+                </com.google.android.material.card.MaterialCardView>
+
+                <View
+                    android:id="@+id/spacerTo"
+                    android:layout_width="match_parent"
+                    android:layout_height="16dp" />

                <!-- Amount -->
                <com.google.android.material.textfield.TextInputLayout
--- a/app/src/main/res/layout/item_picker_row.xml
+++ b/app/src/main/res/layout/item_picker_row.xml
@@ -0,0 +1,50 @@
+<?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="wrap_content"
+    android:orientation="horizontal"
+    android:paddingHorizontal="16dp"
+    android:paddingVertical="10dp"
+    android:minHeight="64dp"
+    android:gravity="center_vertical"
+    android:background="?attr/selectableItemBackground">
+
+    <com.google.android.material.imageview.ShapeableImageView
+        android:id="@+id/ivIcon"
+        android:layout_width="44dp"
+        android:layout_height="44dp"
+        android:scaleType="centerCrop"
+        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+    <LinearLayout
+        android:layout_width="0dp"
+        android:layout_height="wrap_content"
+        android:layout_weight="1"
+        android:layout_marginStart="12dp"
+        android:orientation="vertical">
+
+        <TextView
+            android:id="@+id/tvPrimary"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textStyle="bold"
+            android:textColor="?attr/colorOnSurface"
+            android:maxLines="1"
+            android:ellipsize="end" />
+
+        <TextView
+            android:id="@+id/tvSecondary"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="2dp"
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorOnSurfaceVariant"
+            android:maxLines="1"
+            android:ellipsize="end" />
+
+    </LinearLayout>
+
+</LinearLayout>
--- a/app/src/main/res/layout/item_picker_section_header.xml
+++ b/app/src/main/res/layout/item_picker_section_header.xml
@@ -0,0 +1,12 @@
+<?xml version="1.0" encoding="utf-8"?>
+<TextView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:id="@+id/tvHeader"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:paddingHorizontal="16dp"
+    android:paddingTop="16dp"
+    android:paddingBottom="6dp"
+    android:textAppearance="?attr/textAppearanceLabelSmall"
+    android:textColor="?attr/colorOnSurfaceVariant"
+    android:letterSpacing="0.08" />
--- a/app/src/main/res/layout/sheet_contact_picker.xml
+++ b/app/src/main/res/layout/sheet_contact_picker.xml
@@ -0,0 +1,47 @@
+<?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="wrap_content"
+    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="12dp"
+        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/etSheetSearch"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:hint="@string/contacts_search_hint"
+            android:inputType="text"
+            android:maxLines="1"
+            android:imeOptions="actionSearch" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <com.google.android.material.tabs.TabLayout
+        android:id="@+id/sheetCategoryTabs"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        app:tabMode="scrollable"
+        app:tabGravity="start" />
+
+    <androidx.recyclerview.widget.RecyclerView
+        android:id="@+id/sheetRecyclerView"
+        android:layout_width="match_parent"
+        android:layout_height="400dp"
+        android:clipToPadding="false"
+        android:paddingBottom="24dp" />
+
+</LinearLayout>
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -74,6 +74,7 @@
    <string name="work_in_progress">Work in progress</string>

    <!-- Dashboard -->
+    <string name="dashboard_pending_finances">Pending Finances</string>
    <string name="balance_mvr">MVR Total</string>
    <string name="balance_usd">USD Total</string>
    <string name="card_support_wip">Card Support</string>
@@ -94,14 +95,26 @@
    <string name="available_balance">Available Balance</string>

    <!-- Transfer -->
+    <string name="transfer_tab_quick">Quick Transfer</string>
+    <string name="transfer_tab_contacts">Contacts</string>
    <string name="transfer_from">From account</string>
-    <string name="transfer_to">To account number</string>
+    <string name="transfer_to">Account Number or Favara ID</string>
+    <string name="transfer_my_accounts">My Accounts</string>
+    <string name="transfer_same_as_from">This is the same account as the sender</string>
+    <string name="transfer_lookup_account">Look up account</string>
+    <string name="transfer_clear_recipient">Clear recipient</string>
+    <string name="transfer_pick_contact">Pick contact</string>
+    <string name="transfer_enter_account_first">Enter an account number first</string>
+    <string name="transfer_account_not_found">Account not found</string>
+    <string name="transfer_session_unavailable">Session unavailable — please re-login</string>
    <string name="transfer_amount">Amount</string>
    <string name="transfer_remarks">Remarks</string>

    <!-- Contacts -->
    <string name="contacts_empty">No contacts found</string>
    <string name="contacts_search_hint">Search contacts</string>
+    <string name="contacts_tab_recents">Recents</string>
+    <string name="recents_remove">Remove from recents</string>
    <string name="contacts_tab_all">All</string>

    <!-- Financing -->
--- a/docs/mibapi/accountlookup.md
+++ b/docs/mibapi/accountlookup.md
@@ -0,0 +1,123 @@
+# MIB Account Lookup Routing
+
+Before initiating a transfer, the recipient input must be resolved to a verified account name and
+account number. Three different endpoints are used depending on the format of the input.
+
+## Input Format Routing
+
+| Input format                              | Endpoint                              | Body field      |
+|-------------------------------------------|---------------------------------------|-----------------|
+| Starts with `7`, exactly 13 digits        | `AjaxAlias/getIPSAccount`             | `benefAccount`  |
+| Starts with `9`, exactly 17 digits        | `ajaxBeneficiary/getAccountName`      | `accountNo`     |
+| Starts with `7` or `9`, exactly 7 digits  | `AjaxAlias/getAlias`                  | `aliasName`     |
+| Starts with `A` followed by 6 digits      | `AjaxAlias/getAlias`                  | `aliasName`     |
+| Email address (contains `@`)              | `AjaxAlias/getAlias`                  | `aliasName`     |
+
+All endpoints share the same WebView session auth (see `contacts.md` for cookie format) and use
+`Referer: https://faisamobilex-wv.mib.com.mv/transfer/quick`.
+
+---
+
+## Endpoint Details
+
+### 1. IPS Account Lookup — Local / BML accounts (13 digits, starts with 7)
+
+**POST** `https://faisamobilex-wv.mib.com.mv/AjaxAlias/getIPSAccount`
+
+Body: `benefAccount=7700000000000` (13 digits)
+
+**Success response:**
+```json
+{
+  "success": true,
+  "responseCode": "2",
+  "reasonCode": "201",
+  "reasonText": "Request Successful. Account Found",
+  "accountName": "ACCOUNT HOLDER NAME",
+  "bankBic": "MALBMVMV"
+}
+```
+
+Fields used:
+- `accountName` — account holder name
+- `bankBic` — bank SWIFT/BIC code
+
+The account number is already known from the input; it is not returned in the response.
+
+---
+
+### 2. MIB Internal Account Name Lookup — MIB accounts (17 digits, starts with 9)
+
+**POST** `https://faisamobilex-wv.mib.com.mv/ajaxBeneficiary/getAccountName`
+
+Body: `accountNo=90100000000000000` (17 digits)
+
+**Success response** (exact structure to be confirmed):
+```json
+{
+  "success": true,
+  "responseCode": "1",
+  "reasonText": "Account found",
+  "accountName": "ACCOUNT HOLDER NAME"
+}
+```
+
+Fields used:
+- `accountName` — account holder name (check at root level or inside `data` object)
+
+The account number is already known from the input; bank is always MIB (`MADVMVMV`).
+
+---
+
+### 3. Favara Alias Lookup — Shortcodes, A-IDs, emails
+
+**POST** `https://faisamobilex-wv.mib.com.mv/AjaxAlias/getAlias`
+
+Body: `aliasName=<alias>`
+
+Accepted alias formats:
+- `7` or `9` followed by 6 digits → e.g. `7012345`, `9198026`
+- `A` followed by 6 digits → e.g. `A123456`
+- Email address → e.g. `user@example.com`
+
+**Success response:**
+```json
+{
+  "success": true,
+  "responseCode": "2",
+  "reasonCode": "203",
+  "reasonText": " Favara ID found",
+  "data": {
+    "TxId": "BANK00001",
+    "CdtrAcct": {
+      "Acct": "90100000000000000",
+      "FinInstnId": "MADVMVMV"
+    },
+    "BfyNm": "Account Holder Name",
+    "RegDtTm": "2023-01-01T00:00:00"
+  }
+}
+```
+
+Fields used from `data`:
+- `BfyNm` — beneficiary name (trim whitespace)
+- `CdtrAcct.Acct` — resolved account number to use for the transfer
+- `CdtrAcct.FinInstnId` — bank institution ID
+
+---
+
+## Error Handling
+
+All three endpoints return `"success": false` on failure with a human-readable `reasonText`:
+
+```json
+{
+  "success": false,
+  "responseCode": "0",
+  "reasonText": "Account not found"
+}
+```
+
+- Always show `reasonText` directly to the user as the error message.
+- For non-200 HTTP responses, also attempt to parse `reasonText` from the body before falling back to a generic error.
+- If the input does not match any known format, reject it client-side before making any request.
--- a/docs/mibapi/transfer.md
+++ b/docs/mibapi/transfer.md
@@ -0,0 +1,81 @@
+# MIB Transfer API
+
+Transfer endpoints are served from the MIB WebView subdomain, using the same session-cookie auth as
+financing and contacts.
+
+## Authentication
+
+```
+Cookie: mbmodel=IOS-1.0; xxid=<session_xxid>; IBSID=<session_xxid>; mbnonce=<nonceGenerator>; time-tracker=597
+```
+
+All AJAX POST requests also require:
+
+```
+X-Requested-With: XMLHttpRequest
+Origin: https://faisamobilex-wv.mib.com.mv
+Referer: https://faisamobilex-wv.mib.com.mv/transfer/quick
+Content-Type: application/x-www-form-urlencoded; charset=UTF-8
+```
+
+---
+
+## Endpoints
+
+### 1. Look Up Recipient by Favara Alias
+
+Resolves a Favara ID (alias) to the account holder name and account number before initiating a transfer.
+
+**POST** `https://faisamobilex-wv.mib.com.mv/AjaxAlias/getAlias`
+
+**Request body (form-urlencoded):**
+
+| Field       | Description                              |
+|-------------|------------------------------------------|
+| `aliasName` | The recipient's Favara ID / alias number |
+
+**Success response (`responseCode: "2"`):**
+
+```json
+{
+  "success": true,
+  "responseCode": "2",
+  "reasonCode": "203",
+  "reasonText": " Favara ID found",
+  "data": {
+    "TxId": "BANK00001",
+    "CreDtTm": "...",
+    "Resp": {
+      "Rslt": true,
+      "RsltDtls": null
+    },
+    "CdtrAcct": {
+      "Acct": "90100000000000000",
+      "FinInstnId": "MADVMVMV"
+    },
+    "BfyNm": "Account Holder Name",
+    "RegDtTm": "2023-01-01T00:00:00"
+  }
+}
+```
+
+**Not found / error response:**
+
+```json
+{
+  "success": false,
+  "responseCode": "0",
+  "reasonCode": "400",
+  "reasonText": "Alias not found"
+}
+```
+
+Key fields from `data`:
+- `BfyNm` — beneficiary full name (trim whitespace)
+- `CdtrAcct.Acct` — resolved account number to use for the transfer
+- `CdtrAcct.FinInstnId` — bank institution ID (e.g. `MADVMVMV`, `MALBMVMV`)
+
+**Notes:**
+- Use `success` (not `responseCode`) to determine if the lookup succeeded.
+- Show `BfyNm` + `CdtrAcct.Acct` to the user as confirmation before proceeding.
+- The `reasonText` from error responses should be shown directly to the user.