new version

.gitignore

@@ -15,5 +15,6 @@
 local.properties
 docs/mibapi/tmp
 docs/bmlapi/tmp
+docs/fahipayapi/tmp
 tmp
 app/key.jks

.idea/deploymentTargetSelector.xml

@@ -3,15 +3,28 @@
   <component name="deploymentTargetSelector">
     <selectionStates>
       <SelectionState runConfigName="app">
-        <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2025-04-17T17:14:16.980728222Z">
+        <option name="selectionMode" value="DIALOG" />
+        <DropdownSelection timestamp="2026-05-15T13:54:16.798188666Z">
           <Target type="DEFAULT_BOOT">
             <handle>
               <DeviceId pluginId="PhysicalDevice" identifier="serial=a703e092" />
             </handle>
           </Target>
         </DropdownSelection>
-        <DialogSelection />
+        <DialogSelection>
+          <targets>
+            <Target type="DEFAULT_BOOT">
+              <handle>
+                <DeviceId pluginId="Default" identifier="serial=10.0.1.239:5555;connection=ce61d84c" />
+              </handle>
+            </Target>
+            <Target type="DEFAULT_BOOT">
+              <handle>
+                <DeviceId pluginId="PhysicalDevice" identifier="serial=683a9830" />
+              </handle>
+            </Target>
+          </targets>
+        </DialogSelection>
       </SelectionState>
     </selectionStates>
   </component>

LICENSE

@@ -0,0 +1,232 @@
+GNU GENERAL PUBLIC LICENSE
+Version 3, 29 June 2007
+
+Copyright © 2007 Free Software Foundation, Inc. <https://fsf.org/>
+
+Everyone is permitted to copy and distribute verbatim copies of this license document, but changing it is not allowed.
+
+Preamble
+
+The GNU General Public License is a free, copyleft license for software and other kinds of works.
+
+The licenses for most software and other practical works are designed to take away your freedom to share and change the works. By contrast, the GNU General Public License is intended to guarantee your freedom to share and change all versions of a program--to make sure it remains free software for all its users. We, the Free Software Foundation, use the GNU General Public License for most of our software; it applies also to any other work released this way by its authors. You can apply it to your programs, too.
+
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+
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+
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+12. No Surrender of Others' Freedom.
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+
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+15. Disclaimer of Warranty.
+THERE IS NO WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW. EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR OTHER PARTIES PROVIDE THE PROGRAM “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
+
+16. Limitation of Liability.
+IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MODIFIES AND/OR CONVEYS THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
+
+17. Interpretation of Sections 15 and 16.
+If the disclaimer of warranty and limitation of liability provided above cannot be given local legal effect according to their terms, reviewing courts shall apply local law that most closely approximates an absolute waiver of all civil liability in connection with the Program, unless a warranty or assumption of liability accompanies a copy of the Program in return for a fee.
+
+END OF TERMS AND CONDITIONS
+
+How to Apply These Terms to Your New Programs
+
+If you develop a new program, and you want it to be of the greatest possible use to the public, the best way to achieve this is to make it free software which everyone can redistribute and change under these terms.
+
+To do so, attach the following notices to the program. It is safest to attach them to the start of each source file to most effectively state the exclusion of warranty; and each file should have at least the “copyright” line and a pointer to where the full notice is found.
+
+     ISODroid
+     Copyright (C) 2026  shihaam
+
+     This program is free software: you can redistribute it and/or modify it under the terms of the GNU General Public License as published by the Free Software Foundation, either version 3 of the License, or (at your option) any later version.
+
+     This program is distributed in the hope that it will be useful, but WITHOUT ANY WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the GNU General Public License for more details.
+
+     You should have received a copy of the GNU General Public License along with this program.  If not, see <https://www.gnu.org/licenses/>.
+
+Also add information on how to contact you by electronic and paper mail.
+
+If the program does terminal interaction, make it output a short notice like this when it starts in an interactive mode:
+
+     ISODroid  Copyright (C) 2026  shihaam
+     This program comes with ABSOLUTELY NO WARRANTY; for details type `show w'.
+     This is free software, and you are welcome to redistribute it under certain conditions; type `show c' for details.
+
+The hypothetical commands `show w' and `show c' should show the appropriate parts of the General Public License. Of course, your program's commands might be different; for a GUI interface, you would use an “about box”.
+
+You should also get your employer (if you work as a programmer) or school, if any, to sign a “copyright disclaimer” for the program, if necessary. For more information on this, and how to apply and follow the GNU GPL, see <https://www.gnu.org/licenses/>.
+
+The GNU General Public License does not permit incorporating your program into proprietary programs. If your program is a subroutine library, you may consider it more useful to permit linking proprietary applications with the library. If this is what you want to do, use the GNU Lesser General Public License instead of this License. But first, please read <https://www.gnu.org/philosophy/why-not-lgpl.html>.

README.md

@@ -0,0 +1,72 @@
+# BasedBank
+
+A unified Android banking app for Maldivians that combines MIB (Faisanet), BML (Bank of Maldives), and Fahipay into a single interface — with no analytics, no tracking, and no phone-home behaviour outside the banks themselves.
+
+[![AI Slop Inside](https://sladge.net/badge.svg)](https://sladge.net)
+[![License: GPL v3](https://img.shields.io/badge/License-GPLv3-blue.svg)](LICENSE)
+![Android 8.0+](https://img.shields.io/badge/Android-8.0+-3DDC84?logo=android&logoColor=white)
+![Jetpack Compose](https://img.shields.io/badge/Jetpack%20Compose-4285F4?logo=jetpackcompose&logoColor=white)
+![Maintained](https://img.shields.io/badge/Maintained-yes-green.svg)
+
+## What it does
+
+- **Multi-bank dashboard** — view balances across all your MIB, BML, and Fahipay accounts in one place, with a combined MVR and USD total
+- **Transaction history** — paginated, searchable transaction history per account for MIB CASA, BML CASA, BML prepaid cards, and Fahipay wallet
+- **Transfers** — send money between accounts and to saved contacts; supports MIB-to-MIB, BML-to-BML, and cross-bank (MIB↔BML via FAVARA)
+- **Contacts** — manage saved beneficiaries across all banks; validates Dhiraagu and Ooredoo numbers and shows the account owner name before you add
+- **Fahipay** — full wallet support including balance, history with merchant icons, and Fahipay favourites (Raastas, Reload, Ooredoo Bill, Dhiraagu Bill)
+- **QR payments** — scan PayMV QR codes to pre-fill transfers
+- **BML foreign limits** — view your foreign currency spending allowances and breakdowns by ATM / POS / ECOM
+- **MIB financing** — view active financing deals
+
+## Authentication
+
+The app requires your existing credentials for each bank — the same username/password/OTP seed you use with the official apps. It stores them encrypted using AES-256-GCM backed by the Android Keystore (hardware secure enclave).
+
+Each bank's 2FA uses TOTP, so you need to have your OTP seed (the same secret used by your authenticator app).
+
+## Security
+
+- All credentials encrypted at rest with **AES-256-GCM** (Android Keystore)
+- Lock screen protected by **PBKDF2-HMAC-SHA256** (100,000 iterations) with optional biometric unlock
+- **FLAG_SECURE** on by default — content hidden in app switcher and screenshots blocked
+- All sensitive data excluded from Android cloud backup
+- Zero analytics, crash reporters, or third-party SDKs — network traffic goes only to MIB, BML, Fahipay, and the Maldivian telecoms for number validation
+
+See [`docs/AI_SECURITY_CHECK.md`](docs/AI_SECURITY_CHECK.md) for the full security audit.
+
+## Supported banks
+
+| Bank | Login | Accounts | History | Transfers | Contacts |
+|---|---|---|---|---|---|
+| MIB (Faisanet) | username + password + TOTP | ✓ | ✓ | ✓ | ✓ |
+| BML (Bank of Maldives) | username + password + TOTP | ✓ | ✓ | ✓ | ✓ |
+| Fahipay | national ID + password + TOTP | ✓ | ✓ | — | ✓ (favourites) |
+
+## Requirements
+
+- Android 8.0+ (API 26)
+- Existing accounts with MIB, BML, or Fahipay
+- Your TOTP seed (base32 secret from your authenticator app setup) for each bank
+
+## Building
+
+Open in Android Studio and run. No API keys or secrets required — all protocol constants are derived from the official apps and are included in the source.
+
+The release signing config reads from environment variables (`KEYSTORE_PASSWORD`, `KEY_ALIAS`, `KEY_PASSWORD`).
+
+## How it works
+
+BasedBank talks directly to each bank's existing mobile API using the same protocol as their official apps, reverse-engineered from the APKs. It does not use any intermediary server — requests go straight from your device to the bank.
+
+- **MIB**: Blowfish/ECB encrypted JSON over HTTPS with a Diffie-Hellman session key exchange
+- **BML**: PKCE OAuth 2.0 flow via the BML web login, exchanged for a Bearer token used on the mobile API
+- **Fahipay**: multipart form login with TOTP, session maintained via `__Secure-sess` cookie and `authid` header
+
+## Privacy
+
+No data ever leaves your device except the API calls to the banking services themselves. See the [security audit](docs/AI_SECURITY_CHECK.md) for a full list of every server the app connects to.
+
+## Disclaimer
+
+This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by MIB, BML, or Fahipay. Use at your own risk. Review the source code before entering your banking credentials.

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 1
-        versionName = "1.0"
+        versionCode = 2
+        versionName = "1.0.3"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }
@@ -64,9 +64,11 @@ dependencies {
     // RecyclerView for accounts list
     implementation("androidx.recyclerview:recyclerview:1.3.2")
 
+    // CircularProgressDrawable for spinning search icons
+    implementation("androidx.swiperefreshlayout:swiperefreshlayout:1.1.0")
+
     // OkHttp for API calls
     implementation("com.squareup.okhttp3:okhttp:4.11.0")
-    implementation("com.squareup.okhttp3:logging-interceptor:4.11.0")
 
     // Coroutines
     implementation("org.jetbrains.kotlinx:kotlinx-coroutines-android:1.7.3")

app/src/main/AndroidManifest.xml

@@ -48,7 +48,8 @@
 
         <activity
             android:name=".ui.home.HomeActivity"
-            android:exported="false" />
+            android:exported="false"
+            android:windowSoftInputMode="adjustPan" />
 
         <activity
             android:name=".ui.home.QrScannerActivity"

app/src/main/java/sh/sar/basedbank/BasedBankApp.kt

@@ -5,10 +5,12 @@ import androidx.appcompat.app.AppCompatDelegate
 import com.google.android.material.color.DynamicColors
 import kotlinx.coroutines.sync.Mutex
 import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.fahipay.FahipaySession
 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
+import sh.sar.basedbank.util.CredentialStore
 
 class BasedBankApp : Application() {
 
@@ -17,14 +19,24 @@ class BasedBankApp : Application() {
     var fullName: String = ""
     var mibSession: MibSession? = null
     var mibProfiles: List<MibProfile> = emptyList()
-    var bmlSession: BmlSession? = null
+    /** Active BML sessions keyed by loginId (= BML username). */
+    val bmlSessions: MutableMap<String, BmlSession> = mutableMapOf()
     var bmlAccounts: List<MibAccount> = emptyList()
+    var fahipaySession: FahipaySession? = null
+    var fahipayAccounts: List<MibAccount> = emptyList()
+
+    /** Returns the BML session for the given account (matched via loginTag). */
+    fun bmlSessionFor(account: MibAccount): BmlSession? =
+        bmlSessions[account.loginTag.removePrefix("bml_")]
+
+    /** Returns any available BML session (for non-account-specific operations). */
+    fun anyBmlSession(): BmlSession? = bmlSessions.values.firstOrNull()
 
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */
     val mibMutex = Mutex()
 
     val mibLoginFlow by lazy {
-        MibLoginFlow(getSharedPreferences("mib_prefs", MODE_PRIVATE)).also { flow ->
+        MibLoginFlow(CredentialStore(this)).also { flow ->
             flow.onSessionRefreshed = { session, profiles ->
                 mibSession = session
                 mibProfiles = profiles

app/src/main/java/sh/sar/basedbank/LockActivity.kt

@@ -5,14 +5,24 @@ import android.os.Bundle
 import android.util.Base64
 import android.view.View
 import android.widget.LinearLayout
+import androidx.activity.OnBackPressedCallback
 import androidx.appcompat.app.AppCompatActivity
 import androidx.biometric.BiometricManager
 import androidx.biometric.BiometricPrompt
 import androidx.core.content.ContextCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.lifecycle.lifecycleScope
 import com.google.android.material.button.MaterialButton
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
 import sh.sar.basedbank.databinding.ActivityLockBinding
 import sh.sar.basedbank.ui.home.HomeActivity
-import java.security.MessageDigest
+import sh.sar.basedbank.util.CredentialStore
+import javax.crypto.SecretKeyFactory
+import javax.crypto.spec.PBEKeySpec
 
 class LockActivity : AppCompatActivity() {
 
@@ -22,18 +32,40 @@ class LockActivity : AppCompatActivity() {
     private lateinit var salt: String
     private lateinit var storedHash: String
     private var biometricsEnabled = false
+    private var isVerifying = false
+
+    private val lockPrefs get() = getSharedPreferences("lock_attempts", MODE_PRIVATE)
+
+    companion object {
+        private const val MAX_ATTEMPTS = 5
+        private const val LOCKOUT_MS = 30_000L
+        const val EXTRA_RESUME = "resume"
+    }
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+        WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityLockBinding.inflate(layoutInflater)
         setContentView(binding.root)
+        val isLight = (resources.configuration.uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK) == android.content.res.Configuration.UI_MODE_NIGHT_NO
+        WindowCompat.getInsetsController(window, window.decorView).apply {
+            isAppearanceLightStatusBars = isLight
+            isAppearanceLightNavigationBars = isLight
+        }
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { view, insets ->
+            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            view.setPadding(bars.left, bars.top, bars.right, bars.bottom)
+            insets
+        }
 
         val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
         method = prefs.getString("security_method", "pin") ?: "pin"
-        salt = prefs.getString("security_salt", "") ?: ""
-        storedHash = prefs.getString("security_hash", "") ?: ""
         biometricsEnabled = prefs.getBoolean("biometrics_enabled", false)
 
+        val stored = CredentialStore(this).loadSecurityHash() ?: run { finish(); return }
+        salt = stored.first
+        storedHash = stored.second
+
         if (method == "pin") {
             binding.viewPin.visibility = View.VISIBLE
             buildNumpad()
@@ -48,6 +80,12 @@ class LockActivity : AppCompatActivity() {
         }
 
         if (biometricsEnabled) triggerBiometric()
+
+        onBackPressedDispatcher.addCallback(this, object : OnBackPressedCallback(true) {
+            override fun handleOnBackPressed() {
+                moveTaskToBack(true)
+            }
+        })
     }
 
     private fun buildNumpad() {
@@ -92,6 +130,7 @@ class LockActivity : AppCompatActivity() {
     }
 
     private fun handleKey(key: String) {
+        if (isVerifying) return
         when (key) {
             "⌫" -> if (pinDigits.isNotEmpty()) { pinDigits.removeLast(); updateDots() }
             "✓" -> if (pinDigits.size >= 4) verifyPin()
@@ -105,13 +144,20 @@ class LockActivity : AppCompatActivity() {
     }
 
     private fun verifyPin() {
+        if (checkAndShowLockout()) return
         val entered = pinDigits.joinToString("")
-        if (verify(entered)) {
-            proceed()
-        } else {
-            binding.tvLockPinDots.text = getString(R.string.unlock_failed)
-            pinDigits.clear()
-            binding.root.postDelayed({ updateDots() }, 1200)
+        pinDigits.clear()
+        updateDots()
+        isVerifying = true
+        lifecycleScope.launch {
+            val ok = withContext(Dispatchers.Default) { verify(entered) }
+            isVerifying = false
+            if (ok) {
+                resetFailures()
+                proceed()
+            } else {
+                showFailure()
+            }
         }
     }
 
@@ -121,18 +167,59 @@ class LockActivity : AppCompatActivity() {
             binding.tvPatternHint.text = getString(R.string.pattern_min_dots)
             return
         }
-        if (verify(pattern.joinToString(""))) {
-            proceed()
-        } else {
+        if (checkAndShowLockout()) {
             binding.lockPatternView.showError()
-            binding.tvPatternHint.text = getString(R.string.unlock_failed)
-            binding.root.postDelayed({ binding.tvPatternHint.text = "" }, 1500)
+            return
+        }
+        val entered = pattern.joinToString("")
+        isVerifying = true
+        lifecycleScope.launch {
+            val ok = withContext(Dispatchers.Default) { verify(entered) }
+            isVerifying = false
+            if (ok) {
+                resetFailures()
+                proceed()
+            } else {
+                binding.lockPatternView.showError()
+                val msg = failureMessage()
+                binding.tvPatternHint.text = msg
+                binding.root.postDelayed({ binding.tvPatternHint.text = "" }, 1500)
+            }
+        }
+    }
+
+    /** Returns true and shows the lockout message if currently locked out. */
+    private fun checkAndShowLockout(): Boolean {
+        val remaining = lockoutRemainingMs()
+        if (remaining <= 0) return false
+        val secs = ((remaining + 999L) / 1000L).toInt()
+        val msg = getString(R.string.unlock_locked_out, secs)
+        binding.tvLockPinDots.text = msg
+        binding.root.postDelayed({ updateDots() }, remaining)
+        return true
+    }
+
+    private fun showFailure() {
+        val msg = failureMessage()
+        binding.tvLockPinDots.text = msg
+        binding.root.postDelayed({ updateDots() }, 1200)
+    }
+
+    private fun failureMessage(): String {
+        val fails = incrementFailures()
+        val left = MAX_ATTEMPTS - fails
+        return if (left <= 0) {
+            val secs = (LOCKOUT_MS / 1000L).toInt()
+            getString(R.string.unlock_locked_out, secs)
+        } else {
+            getString(R.string.unlock_attempts_remaining, left)
         }
     }
 
     private fun verify(input: String): Boolean {
-        val hash = sha256(salt + input)
-        return hash == storedHash
+        if (storedHash.isBlank()) return false
+        val saltBytes = Base64.decode(salt, Base64.NO_WRAP)
+        return pbkdf2(input, saltBytes) == storedHash
     }
 
     private fun triggerBiometric() {
@@ -145,6 +232,7 @@ class LockActivity : AppCompatActivity() {
             ContextCompat.getMainExecutor(this),
             object : BiometricPrompt.AuthenticationCallback() {
                 override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                    resetFailures()
                     proceed()
                 }
                 override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
@@ -162,15 +250,46 @@ class LockActivity : AppCompatActivity() {
     }
 
     private fun proceed() {
-        startActivity(Intent(this, HomeActivity::class.java))
-        finish()
+        if (intent.getBooleanExtra(EXTRA_RESUME, false)) {
+            finish()
+        } else {
+            startActivity(Intent(this, HomeActivity::class.java))
+            finish()
+        }
     }
 
-    private fun sha256(input: String) = MessageDigest.getInstance("SHA-256")
-        .digest(input.toByteArray()).joinToString("") { "%02x".format(it) }
+    // ── Brute-force tracking ──────────────────────────────────────────────────
 
-    override fun onBackPressed() {
-        // Lock screen cannot be dismissed
-        moveTaskToBack(true)
+    private fun incrementFailures(): Int {
+        val fails = lockPrefs.getInt("fail_count", 0) + 1
+        lockPrefs.edit()
+            .putInt("fail_count", fails)
+            .putLong("last_fail_time", System.currentTimeMillis())
+            .apply()
+        return fails
     }
+
+    private fun resetFailures() {
+        lockPrefs.edit().remove("fail_count").remove("last_fail_time").apply()
+    }
+
+    private fun lockoutRemainingMs(): Long {
+        val fails = lockPrefs.getInt("fail_count", 0)
+        if (fails < MAX_ATTEMPTS) return 0L
+        val lastFail = lockPrefs.getLong("last_fail_time", 0L)
+        return maxOf(0L, LOCKOUT_MS - (System.currentTimeMillis() - lastFail))
+    }
+
+    // ── Crypto ────────────────────────────────────────────────────────────────
+
+    private fun pbkdf2(input: String, salt: ByteArray): String {
+        val spec = PBEKeySpec(input.toCharArray(), salt, 100_000, 256)
+        return try {
+            val hash = SecretKeyFactory.getInstance("PBKDF2WithHmacSHA256").generateSecret(spec).encoded
+            Base64.encodeToString(hash, Base64.NO_WRAP)
+        } finally {
+            spec.clearPassword()
+        }
+    }
+
 }

app/src/main/java/sh/sar/basedbank/MainActivity.kt

@@ -16,7 +16,7 @@ class MainActivity : AppCompatActivity() {
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
         val store = CredentialStore(this)
-        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials()
+        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
 
         val target = when {
             !onboardingDone -> OnboardingActivity::class.java

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

@@ -69,8 +69,11 @@ class BmlLoginFlow {
         val xsrf = xsrfToken() ?: throw Exception("Could not fetch login page")
 
         // Step 2: POST credentials
-        val loginBody = """{"username":${quote(username)},"password":${quote(password)},"code":""}"""
-            .toRequestBody("application/json".toMediaType())
+        val loginBody = JSONObject().apply {
+            put("username", username)
+            put("password", password)
+            put("code", "")
+        }.toString().toRequestBody("application/json".toMediaType())
         val loginResp = client.newCall(
             Request.Builder().url("$BASE_URL/web/login").post(loginBody)
                 .header("X-XSRF-TOKEN", xsrf)
@@ -89,8 +92,10 @@ class BmlLoginFlow {
 
         // Step 4: POST OTP
         val otp = Totp.generate(otpSeed)
-        val twoFaBody = """{"code":${quote(otp)},"channel":"authenticator"}"""
-            .toRequestBody("application/json".toMediaType())
+        val twoFaBody = JSONObject().apply {
+            put("code", otp)
+            put("channel", "authenticator")
+        }.toString().toRequestBody("application/json".toMediaType())
         val twoFaResp = client.newCall(
             Request.Builder().url("$BASE_URL/web/login/2fa").post(twoFaBody)
                 .header("X-XSRF-TOKEN", xsrf2)
@@ -161,17 +166,17 @@ class BmlLoginFlow {
             .takeIf { it.isNotBlank() } ?: throw Exception("Token exchange failed")
 
         val session = BmlSession(accessToken = accessToken, deviceId = deviceId)
-        val accounts = fetchAccounts(session)
+        val accounts = fetchAccounts(session, "bml_$username")
         return Pair(session, accounts)
     }
 
-    fun fetchAccounts(session: BmlSession): List<MibAccount> {
+    fun fetchAccounts(session: BmlSession, loginTag: String): List<MibAccount> {
         val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/dashboard")).execute()
         val code = resp.code
         val json = resp.body?.string()
         resp.close()
         if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseDashboard(json ?: return emptyList(), "bml_${session.deviceId}")
+        return parseDashboard(json ?: return emptyList(), loginTag)
     }
 
     fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
@@ -319,11 +324,11 @@ class BmlLoginFlow {
         return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
     }
 
-    fun fetchContacts(session: BmlSession): List<MibBeneficiary> {
+    fun fetchContacts(session: BmlSession, loginId: String): List<MibBeneficiary> {
         val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/contacts")).execute()
         val json = resp.body?.string() ?: return emptyList()
         resp.close()
-        return parseContacts(json)
+        return parseContacts(json, loginId)
     }
 
     /**
@@ -411,7 +416,8 @@ class BmlLoginFlow {
                     BmlTransferResult(
                         success = true,
                         reference = payload?.optString("reference") ?: "",
-                        timestamp = payload?.optString("timestamp") ?: ""
+                        timestamp = payload?.optString("timestamp") ?: "",
+                        message = json.optString("message")
                     )
                 }
             } catch (_: Exception) { BmlTransferResult(false, errorMessage = "Parse error") }
@@ -628,29 +634,28 @@ class BmlLoginFlow {
                     internalId = internalId
                 ))
             } else if (accountType == "Card") {
+                val isVisible = item.optBoolean("account_visible", false)
+                if (!isVisible) continue   // debit cards and other hidden cards — skip
                 val isPrepaid = item.optBoolean("prepaid_card", false)
-                if (isPrepaid) {
-                    val cardBalance = item.optJSONObject("cardBalance")
-                    val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
-                    prepaidCards.add(MibAccount(
-                        profileName = "Personal",
-                        profileType = "BML_PREPAID",
-                        accountNumber = accountNumber,
-                        accountBriefName = product,
-                        currencyName = currency,
-                        accountTypeName = product,
-                        availableBalance = "%.2f".format(available),
-                        currentBalance = "%.2f".format(cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0),
-                        blockedAmount = "0.00",
-                        mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                        statusDesc = status,
-                        profileImageHash = null,
-                        loginTag = loginTag,
-                        internalId = internalId
-                    ))
-                } else {
-                    // Linked debit cards have no independent balance or account link — skip
-                }
+                val cardBalance = item.optJSONObject("cardBalance")
+                val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
+                val current   = cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0
+                prepaidCards.add(MibAccount(
+                    profileName = "Personal",
+                    profileType = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
+                    accountNumber = accountNumber,
+                    accountBriefName = item.optString("alias").ifBlank { product },
+                    currencyName = currency,
+                    accountTypeName = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance = "%.2f".format(current),
+                    blockedAmount = "0.00",
+                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc = status,
+                    profileImageHash = null,
+                    loginTag = loginTag,
+                    internalId = internalId
+                ))
             }
         }
 
@@ -688,7 +693,7 @@ class BmlLoginFlow {
         } catch (_: Exception) { emptyList() }
     }
 
-    private fun parseContacts(json: String): List<MibBeneficiary> {
+    private fun parseContacts(json: String, loginId: String = ""): List<MibBeneficiary> {
         val root = JSONObject(json)
         if (!root.optBoolean("success")) return emptyList()
         val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
@@ -709,7 +714,8 @@ class BmlLoginFlow {
                 benefStatus = item.optString("status", "S"),
                 transferCyDesc = item.optString("currency", "MVR"),
                 customerImgHash = null,
-                benefCategoryId = "BML"
+                benefCategoryId = "BML",
+                profileId = loginId
             ))
         }
         return result
@@ -740,6 +746,4 @@ class BmlLoginFlow {
         SecureRandom().nextBytes(bytes)
         return bytes.joinToString("") { "%02x".format(it) }
     }
-
-    private fun quote(s: String) = "\"${s.replace("\\", "\\\\").replace("\"", "\\\"")}\""
 }

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

@@ -20,6 +20,7 @@ data class BmlTransferResult(
     val success: Boolean,
     val reference: String = "",
     val timestamp: String = "",
+    val message: String = "",
     val errorMessage: String = ""
 )
 

app/src/main/java/sh/sar/basedbank/api/dhiraagu/DhiraaguClient.kt

@@ -0,0 +1,71 @@
+package sh.sar.basedbank.api.dhiraagu
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class DhiraaguClient {
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(15, TimeUnit.SECONDS)
+        .readTimeout(15, TimeUnit.SECONDS)
+        .build()
+
+    enum class CustType { RELOAD, BILL_PAY, UNSUPPORTED }
+
+    companion object {
+        private const val UA = "Mozilla/5.0 (X11; Linux x86_64; rv:150.0) Gecko/20100101 Firefox/150.0"
+    }
+
+    data class Result(val type: CustType, val ownerName: String = "")
+
+    fun validateNumber(number: String): Result {
+        // Step 1: fetch Easy Pay page to extract the nonce
+        val pageResp = client.newCall(
+            Request.Builder()
+                .url("https://www.dhiraagu.com.mv/services/easy-pay")
+                .header("User-Agent", UA)
+                .get()
+                .build()
+        ).execute()
+        val html = pageResp.body?.string() ?: return Result(CustType.UNSUPPORTED)
+        pageResp.close()
+
+        val nonce = Regex("""var nonce = "([^"]+)"""").find(html)
+            ?.groupValues?.getOrNull(1) ?: return Result(CustType.UNSUPPORTED)
+
+        // Step 2: look up number
+        val body = """{"number":"$number"}"""
+            .toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder()
+                .url("https://www.dhiraagu.com.mv/api/sdk-dhr-webapi.ashx?website_id=CA2BB809-3A22-485B-A518-DA6B6DE653A5&sub=dhiraaguIO&act=infoUnlisted")
+                .post(body)
+                .header("User-Agent", UA)
+                .header("nonce", nonce)
+                .header("Origin", "https://dhiraagu.com.mv")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return Result(CustType.UNSUPPORTED)
+        resp.close()
+
+        return try {
+            val obj = JSONObject(json)
+            if (obj.optString("respStatus") != "OK") return Result(CustType.UNSUPPORTED)
+            val prepaid = obj.optJSONArray("serviceDetails")
+                ?.optJSONObject(0)
+                ?.optString("prepaidIndicator")
+            val ownerName = obj.optJSONObject("accountOwnerInfo")
+                ?.optString("name") ?: ""
+            val type = when (prepaid) {
+                "Y" -> CustType.RELOAD
+                "N" -> CustType.BILL_PAY
+                else -> CustType.UNSUPPORTED
+            }
+            Result(type, ownerName)
+        } catch (_: Exception) { Result(CustType.UNSUPPORTED) }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt

@@ -0,0 +1,348 @@
+package sh.sar.basedbank.api.fahipay
+
+import android.os.Build
+import okhttp3.Cookie
+import okhttp3.CookieJar
+import okhttp3.HttpUrl
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import okhttp3.RequestBody
+import okio.Buffer
+import org.json.JSONObject
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.util.AccountInputParser
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+
+class FahipayLoginFlow {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA_WEBVIEW = "Mozilla/5.0 (Linux; Android 14; ${Build.MODEL} Build/AP2A.240905.003; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+    private val UA_OKHTTP = "okhttp/4.12.0"
+    private val PAGE_SIZE = 15
+
+    private val cookieStore = mutableMapOf<String, MutableList<Cookie>>()
+    private val cookieJar = object : CookieJar {
+        override fun saveFromResponse(url: HttpUrl, cookies: List<Cookie>) {
+            val list = cookieStore.getOrPut(url.host) { mutableListOf() }
+            for (c in cookies) {
+                list.removeAll { it.name == c.name }
+                list.add(c)
+            }
+        }
+        override fun loadForRequest(url: HttpUrl): List<Cookie> =
+            cookieStore[url.host] ?: emptyList()
+    }
+
+    private val client = OkHttpClient.Builder()
+        .cookieJar(cookieJar)
+        .followRedirects(false)
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    /** Seed the cookie jar with a stored session cookie before using a persisted session. */
+    fun setSessionCookie(value: String) {
+        val host = "fahipay.mv"
+        val list = cookieStore.getOrPut(host) { mutableListOf() }
+        list.removeAll { it.name == "__Secure-sess" }
+        list.add(
+            Cookie.Builder()
+                .domain(host)
+                .name("__Secure-sess")
+                .value(value)
+                .secure()
+                .build()
+        )
+    }
+
+    fun getSessionCookieValue(): String? =
+        cookieStore["fahipay.mv"]?.firstOrNull { it.name == "__Secure-sess" }?.value
+
+    // Establishes the __Secure-sess cookie required for the login+OTP flow.
+    private fun initSession() {
+        client.newCall(
+            Request.Builder().url("$BASE_URL/api/app/lang/data/")
+                .get()
+                .header("User-Agent", UA_WEBVIEW)
+                .build()
+        ).execute().close()
+    }
+
+    /**
+     * Step 1: POST /api/app/login/
+     * Returns FahipayLoginStep:
+     *   twoFactorRequired=false + authId set  → login complete, proceed
+     *   twoFactorRequired=true  + authId=null → call verifyTotp() next
+     */
+    fun login(idCard: String, password: String, deviceUuid: String): FahipayLoginStep {
+        initSession()
+        val body = buildFormBody(
+            "email" to idCard,
+            "password" to password,
+            "grant_type" to "auth_id",
+            "lang" to "en",
+            "version" to "2.0.0",
+            "platform" to "BasedBank",
+            *deviceParts(deviceUuid)
+        )
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/api/app/login/")
+                .post(body)
+                .header("User-Agent", UA_WEBVIEW)
+                .header("accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: throw Exception("Empty login response")
+        resp.close()
+
+        val obj = JSONObject(json)
+        if (obj.optString("type") != "success") {
+            throw Exception(obj.optString("msg", "Login failed — check your ID card and password"))
+        }
+
+        val authId = obj.optString("authID", "").takeIf { it.isNotBlank() }
+        val twoFa = obj.optBoolean("two_factor_required", false)
+        return FahipayLoginStep(twoFactorRequired = twoFa, authId = authId)
+    }
+
+    /**
+     * Step 2 (if 2FA required): POST /api/app/otp/
+     * Returns authId.
+     */
+    fun verifyTotp(code: String, deviceUuid: String): String {
+        val body = buildFormBody(
+            "code" to code,
+            "channel" to "totp",
+            "action" to "login",
+            "grant_type" to "auth_id",
+            "lang" to "en",
+            "version" to "2.0.0",
+            "platform" to "BasedBank",
+            *deviceParts(deviceUuid)
+        )
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/api/app/otp/")
+                .post(body)
+                .header("User-Agent", UA_WEBVIEW)
+                .header("accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: throw Exception("Empty OTP response")
+        resp.close()
+
+        val obj = JSONObject(json)
+        if (obj.optString("type") != "success") {
+            throw Exception(obj.optString("msg", "OTP verification failed"))
+        }
+        return obj.optString("authID").takeIf { it.isNotBlank() }
+            ?: throw Exception("No authID in OTP response")
+    }
+
+    fun fetchProfile(session: FahipaySession): FahipayUserProfile {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getprofile/?lang=en")
+                .header("authid", session.authId)
+                .header("content-type", "multipart/form-data")
+                .header("User-Agent", UA_OKHTTP)
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: throw Exception("Empty profile response")
+        resp.close()
+
+        val obj = JSONObject(json)
+        val props = obj.optJSONObject("props") ?: JSONObject()
+        return FahipayUserProfile(
+            fullName = obj.optString("fullname").trim(),
+            email = obj.optString("email").trim(),
+            mobile = obj.optString("mobile").trim(),
+            nid = obj.optString("nid").trim(),
+            profileId = obj.optString("profileID").trim(),
+            walletAccount = props.optString("acc", ""),
+            linkedAccounts = props.optJSONObject("accs")?.toString() ?: "{}"
+        )
+    }
+
+    fun fetchBalance(session: FahipaySession): Double {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getbalance/?lang=en")
+                .header("authid", session.authId)
+                .header("content-type", "multipart/form-data")
+                .header("User-Agent", UA_OKHTTP)
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return 0.0
+        resp.close()
+        return try {
+            val obj = JSONObject(json)
+            if (obj.optBoolean("error")) 0.0 else obj.optDouble("balance", 0.0)
+        } catch (_: Exception) { 0.0 }
+    }
+
+    fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): MibAccount =
+        MibAccount(
+            profileName = profile.fullName.ifBlank { "Fahipay" },
+            profileType = "FAHIPAY",
+            accountNumber = profile.walletAccount,
+            accountBriefName = "Fahipay Wallet",
+            currencyName = "MVR",
+            accountTypeName = "Digital Wallet",
+            availableBalance = "%.2f".format(balance),
+            currentBalance = "%.2f".format(balance),
+            blockedAmount = "0.00",
+            mvrBalance = "%.2f".format(balance),
+            statusDesc = "Active",
+            profileImageHash = null,
+            loginTag = loginTag,
+            internalId = profile.profileId
+        )
+
+    /**
+     * Fetches paginated activity history.
+     * @param start  offset (0-based)
+     * @return Pair of (transactions, total count)
+     */
+    fun fetchHistory(
+        session: FahipaySession,
+        accountDisplayName: String,
+        accountNumber: String,
+        start: Int
+    ): Pair<List<Transaction>, Int> {
+        val resp = client.newCall(
+            Request.Builder()
+                .url("$BASE_URL/actions/activity/?s=$start&l=$PAGE_SIZE&lang=en")
+                .header("authid", session.authId)
+                .header("content-type", "multipart/form-data")
+                .header("User-Agent", UA_OKHTTP)
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
+        resp.close()
+        return try {
+            val obj = JSONObject(json)
+            val total = obj.optInt("total", 0)
+            val entries = obj.optJSONArray("entries") ?: return Pair(emptyList(), total)
+            val list = (0 until entries.length()).map { i ->
+                val e = entries.getJSONObject(i)
+                Transaction(
+                    id = e.optString("transaction"),
+                    date = e.optString("date"),
+                    description = e.optString("name").trim(),
+                    amount = e.optDouble("amount", 0.0),
+                    currency = "MVR",
+                    counterpartyName = e.optString("details").takeIf { it.isNotBlank() },
+                    reference = e.optString("transaction").takeIf { it.isNotBlank() },
+                    accountNumber = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source = "FAHIPAY",
+                    iconUrl = e.optString("icon").takeIf { it.isNotBlank() }
+                )
+            }
+            Pair(list, total)
+        } catch (_: Exception) { Pair(emptyList(), 0) }
+    }
+
+    /**
+     * Fetches Fahipay saved favourites for the 4 service groups.
+     * Only includes entries whose number is a valid 7-digit Maldivian phone number (starts with 7 or 9).
+     * Groups with no valid entries are omitted.
+     */
+    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
+        val endpoints = listOf(
+            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
+            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
+            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
+            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
+        )
+        val result = mutableListOf<FahipayContactGroup>()
+        for ((catId, label, page) in endpoints) {
+            try {
+                val resp = client.newCall(
+                    Request.Builder()
+                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
+                        .header("authid", session.authId)
+                        .header("User-Agent", UA_OKHTTP)
+                        .build()
+                ).execute()
+                val json = resp.body?.string() ?: continue
+                resp.close()
+                val obj = JSONObject(json)
+                // Empty group comes back as a JSON array [], not an object — optJSONObject returns null
+                val groupObj = obj.optJSONObject(page) ?: continue
+                val contacts = mutableListOf<MibBeneficiary>()
+                for (key in groupObj.keys()) {
+                    val entry = groupObj.getJSONObject(key)
+                    val number = entry.optString("number")
+                    val name = entry.optString("name").trim().ifBlank { number }
+                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
+                    contacts.add(MibBeneficiary(
+                        benefNo = "fp_${page}_$number",
+                        benefName = "",
+                        benefNickName = name,
+                        benefAccount = number,
+                        benefType = "FAHIPAY",
+                        bankColor = "#FF6B00",
+                        benefBankName = label,
+                        bankCode = "",
+                        benefStatus = "",
+                        transferCyDesc = "",
+                        customerImgHash = null,
+                        benefCategoryId = catId,
+                        profileId = ""
+                    ))
+                }
+                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
+            } catch (_: Exception) {}
+        }
+        return result
+    }
+
+    private fun deviceParts(deviceUuid: String): Array<Pair<String, String>> = arrayOf(
+        "device[available]" to "true",
+        "device[platform]" to "Android",
+        "device[uuid]" to deviceUuid,
+        "device[model]" to Build.MODEL,
+        "device[manufacturer]" to Build.MANUFACTURER,
+        "device[isVirtual]" to "false",
+        "device[serial]" to "unknown"
+    )
+
+    /**
+     * Builds a multipart/form-data body with lowercase "content-disposition" headers,
+     * which is what the Fahipay server requires.
+     */
+    private fun buildFormBody(vararg parts: Pair<String, String>): RequestBody {
+        val boundary = java.util.UUID.randomUUID().toString()
+        val buf = Buffer()
+        for ((name, value) in parts) {
+            val valueBytes = value.toByteArray(Charsets.UTF_8)
+            buf.writeUtf8("--$boundary\r\n")
+            buf.writeUtf8("content-disposition: form-data; name=\"$name\"\r\n")
+            buf.writeUtf8("Content-Length: ${valueBytes.size}\r\n")
+            buf.writeUtf8("\r\n")
+            buf.write(valueBytes)
+            buf.writeUtf8("\r\n")
+        }
+        buf.writeUtf8("--$boundary--\r\n")
+        val snapshot = buf.readByteString()
+        val mediaType = "multipart/form-data; boundary=$boundary".toMediaType()
+        return object : RequestBody() {
+            override fun contentType() = mediaType
+            override fun contentLength() = snapshot.size.toLong()
+            override fun writeTo(sink: okio.BufferedSink) { sink.write(snapshot) }
+        }
+    }
+
+    companion object {
+        fun generateDeviceUuid(): String {
+            val bytes = ByteArray(8)
+            SecureRandom().nextBytes(bytes)
+            return bytes.joinToString("") { "%02x".format(it) }
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt

@@ -0,0 +1,27 @@
+package sh.sar.basedbank.api.fahipay
+
+data class FahipaySession(
+    val authId: String,
+    val sessionCookie: String
+)
+
+data class FahipayUserProfile(
+    val fullName: String,
+    val email: String,
+    val mobile: String,
+    val nid: String,
+    val profileId: String,
+    val walletAccount: String,
+    val linkedAccounts: String  // raw JSON of props.accs, for transfer use
+)
+
+data class FahipayLoginStep(
+    val twoFactorRequired: Boolean,
+    val authId: String? = null  // non-null when 2FA not required
+)
+
+data class FahipayContactGroup(
+    val categoryId: String,
+    val label: String,
+    val contacts: List<sh.sar.basedbank.api.mib.MibBeneficiary>
+)

app/src/main/java/sh/sar/basedbank/api/fahipay/OoredooClient.kt

@@ -0,0 +1,43 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class OoredooClient {
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(15, TimeUnit.SECONDS)
+        .readTimeout(15, TimeUnit.SECONDS)
+        .build()
+
+    enum class CustType { PRE, POST, HYBRID, UNSUPPORTED }
+
+    /**
+     * Validates an Ooredoo number and returns which services are supported.
+     * @param number 7-digit Maldivian phone number (without country code)
+     */
+    fun validateNumber(number: String): CustType {
+        val resp = client.newCall(
+            Request.Builder()
+                .url("https://www.ooredoo.mv/ooredoo-prod/QuickPayPackage/v1/numberTypeValidation?action=cust_details&msisdn=960$number")
+                .get()
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return CustType.UNSUPPORTED
+        resp.close()
+        return try {
+            val custType = JSONObject(json)
+                .optJSONObject("data")
+                ?.optString("custType")
+                ?.takeIf { it.isNotBlank() && it != "null" }
+            when (custType) {
+                "PRE"    -> CustType.PRE
+                "POST"   -> CustType.POST
+                "HYBRID" -> CustType.HYBRID
+                else     -> CustType.UNSUPPORTED
+            }
+        } catch (_: Exception) { CustType.UNSUPPORTED }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/mib/MibLoginFlow.kt

@@ -1,19 +1,20 @@
 package sh.sar.basedbank.api.mib
 
 import okhttp3.FormBody
+import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.Totp
 import okhttp3.OkHttpClient
 import okhttp3.Request
 import org.json.JSONObject
 import java.security.MessageDigest
 import java.util.concurrent.TimeUnit
+import java.util.concurrent.atomic.AtomicBoolean
 import kotlin.random.Random
 
 class SessionExpiredException : Exception("MIB session expired")
 
-class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
+class MibLoginFlow(private val credentialStore: CredentialStore) {
 
-    private val TAG = "MibLoginFlow"
     private val BASE_URL = "https://faisanet.mib.com.mv/faisamobilex_smvc/"
 
     /** The active session after a successful login, usable for subsequent WebView requests. */
@@ -31,7 +32,7 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
     @Volatile private var storedUsername: String? = null
     @Volatile private var storedPasswordHash: String? = null
     @Volatile private var storedOtpSeed: String? = null
-    private var inRelogin = false
+    private val inRelogin = AtomicBoolean(false)
 
     private val client = OkHttpClient.Builder()
         .connectTimeout(30, TimeUnit.SECONDS)
@@ -61,11 +62,10 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
         storedPasswordHash = passwordHash
         storedOtpSeed = otpSeed
         val appId = getOrCreateAppId()
-        val key1 = prefs.getString("mib_key1_$username", null)
-        val key2 = prefs.getString("mib_key2_$username", null)
+        val keys = credentialStore.loadMibKeys()
 
-        return if (key1 != null && key2 != null) {
-            regularLogin(username, passwordHash, appId, key1, key2)
+        return if (keys != null) {
+            regularLogin(username, passwordHash, appId, keys.first, keys.second)
         } else {
             firstTimeRegistration(username, passwordHash, otpSeed, appId)
         }
@@ -106,7 +106,7 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
         val keyData = otpResp.getJSONArray("data").getJSONObject(0)
         val key1 = keyData.getString("key1")
         val key2 = keyData.getString("key2")
-        prefs.edit().putString("mib_key1_$username", key1).putString("mib_key2_$username", key2).apply()
+        credentialStore.saveMibKeys(key1, key2)
 
         return regularLogin(username, passwordHash, appId, key1, key2)
     }
@@ -189,7 +189,7 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
         val response = try {
             sendRequest(session, data, sfunc)
         } catch (e: SessionExpiredException) {
-            if (inRelogin) throw e
+            if (inRelogin.get()) throw e
             ""  // fall through to recovery below
         }
 
@@ -198,22 +198,27 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
             (response.trimStart().startsWith("{") &&
                 JSONObject(response).optString("reasonCode") == "505")
 
-        if (isExpired && !inRelogin) {
-            val u = storedUsername ?: throw SessionExpiredException()
-            val ph = storedPasswordHash ?: throw SessionExpiredException()
-            val os = storedOtpSeed ?: throw SessionExpiredException()
-            inRelogin = true
-            try { login(u, ph, os) } finally { inRelogin = false }
-            val newSession = lastSession ?: throw SessionExpiredException()
-            onSessionRefreshed?.invoke(newSession, lastProfiles)
-            // Refresh nonce/xxid in the payload for the retry
-            data.put("nonce", MibNonce.generate(newSession.nonceGenerator))
-            data.put("appId", newSession.appId)
-            data.put("sodium", MibNonce.randomSodium())
-            data.put("xxid", newSession.xxid)
-            val retryResponse = sendRequest(newSession, data, sfunc)
-            if (retryResponse.trimStart().startsWith("{")) return JSONObject(retryResponse)
-            return MibCrypto.decrypt(retryResponse, newSession.sessionKey)
+        if (isExpired && inRelogin.compareAndSet(false, true)) {
+            try {
+                val u = storedUsername ?: throw SessionExpiredException()
+                val ph = storedPasswordHash ?: throw SessionExpiredException()
+                val os = storedOtpSeed ?: throw SessionExpiredException()
+                login(u, ph, os)
+                val newSession = lastSession ?: throw SessionExpiredException()
+                onSessionRefreshed?.invoke(newSession, lastProfiles)
+                // Refresh nonce/xxid in the payload for the retry
+                data.put("nonce", MibNonce.generate(newSession.nonceGenerator))
+                data.put("appId", newSession.appId)
+                data.put("sodium", MibNonce.randomSodium())
+                data.put("xxid", newSession.xxid)
+                val retryResponse = sendRequest(newSession, data, sfunc)
+                if (retryResponse.trimStart().startsWith("{")) return JSONObject(retryResponse)
+                return MibCrypto.decrypt(retryResponse, newSession.sessionKey)
+            } finally {
+                inRelogin.set(false)
+            }
+        } else if (isExpired) {
+            throw SessionExpiredException()
         }
 
         if (response.trimStart().startsWith("{")) return JSONObject(response)
@@ -384,11 +389,11 @@ class MibLoginFlow(private val prefs: android.content.SharedPreferences) {
     private fun generateOtp(seed: String): String = Totp.generate(seed)
 
     private fun getOrCreateAppId(): String {
-        var id = prefs.getString("mib_app_id", null)
+        var id = credentialStore.loadMibAppId()
         if (id == null) {
             val chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789"
             id = "IOS17.2-" + (1..15).map { chars[Random.nextInt(chars.length)] }.joinToString("")
-            prefs.edit().putString("mib_app_id", id).apply()
+            credentialStore.saveMibAppId(id)
         }
         return id
     }

app/src/main/java/sh/sar/basedbank/api/mib/MibModels.kt

@@ -82,7 +82,8 @@ data class Transaction(
     val reference: String?,
     val accountNumber: String,
     val accountDisplayName: String,
-    val source: String                  // "MIB", "BML", "BML_CARD"
+    val source: String,                 // "MIB", "BML", "BML_CARD", "FAHIPAY"
+    val iconUrl: String? = null         // merchant icon URL (Fahipay only)
 )
 
 data class MibFinanceDeal(

app/src/main/java/sh/sar/basedbank/api/mib/TransactionCache.kt

@@ -3,6 +3,7 @@ package sh.sar.basedbank.api.mib
 import android.content.Context
 import org.json.JSONArray
 import org.json.JSONObject
+import sh.sar.basedbank.util.CacheEncryption
 import java.io.File
 
 object TransactionCache {
@@ -21,8 +22,9 @@ object TransactionCache {
                 put("accountNumber", t.accountNumber)
                 put("accountDisplayName", t.accountDisplayName)
                 put("source", t.source)
+                if (t.iconUrl != null) put("iconUrl", t.iconUrl)
             })
-            File(context.cacheDir, "tx_$key.json").writeText(arr.toString())
+            File(context.cacheDir, "tx_$key.json").writeText(CacheEncryption.encrypt(arr.toString()))
         } catch (_: Exception) {}
     }
 
@@ -32,7 +34,7 @@ object TransactionCache {
     }
 
     fun load(context: Context, key: String): List<Transaction> = try {
-        val arr = JSONArray(File(context.cacheDir, "tx_$key.json").readText())
+        val arr = JSONArray(CacheEncryption.decrypt(File(context.cacheDir, "tx_$key.json").readText()))
         (0 until arr.length()).map { i ->
             val o = arr.getJSONObject(i)
             Transaction(
@@ -45,7 +47,8 @@ object TransactionCache {
                 reference = o.optString("reference").takeIf { it.isNotBlank() },
                 accountNumber = o.optString("accountNumber"),
                 accountDisplayName = o.optString("accountDisplayName"),
-                source = o.optString("source")
+                source = o.optString("source"),
+                iconUrl = o.optString("iconUrl").takeIf { it.isNotBlank() }
             )
         }
     } catch (_: Exception) { emptyList() }

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

@@ -31,7 +31,10 @@ class AccountHistoryAdapter(
     private val displayItems = mutableListOf<Item>()
     private var lastInsertedDateKey = ""
     private val imageCache = mutableMapOf<String, Bitmap>()
+    private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
+    var onIconUrlNeeded: ((url: String) -> Unit)? = null
+    var onTransferClick: ((MibAccount) -> Unit)? = null
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -41,6 +44,14 @@ class AccountHistoryAdapter(
         }
     }
 
+    fun updateIconUrl(url: String, bitmap: Bitmap) {
+        iconUrlCache[url] = bitmap
+        displayItems.forEachIndexed { i, item ->
+            if (item is Item.Trx && item.transaction.iconUrl == url)
+                notifyItemChanged(i + 1)  // +1 for account header at position 0
+        }
+    }
+
     private var _showLoadingFooter = false
     var showLoadingFooter: Boolean
         get() = _showLoadingFooter
@@ -139,7 +150,11 @@ class AccountHistoryAdapter(
         fun bind(acc: MibAccount) {
             b.tvHeaderAccountName.text = acc.accountBriefName
             b.tvHeaderAccountNumber.text = acc.accountNumber
-            b.tvHeaderPillBank.text = if (acc.profileType.startsWith("BML")) "BML" else "MIB"
+            b.tvHeaderPillBank.text = when {
+                acc.profileType.startsWith("BML") -> "BML"
+                acc.profileType == "FAHIPAY" -> "FP"
+                else -> null
+            }
             b.tvHeaderPillType.text = friendlyType(acc.accountTypeName)
             b.tvHeaderAvailable.text = "${acc.currencyName} ${acc.availableBalance}"
             b.tvHeaderBalance.text = "${acc.currencyName} ${acc.currentBalance}"
@@ -150,6 +165,7 @@ class AccountHistoryAdapter(
             } else {
                 b.llHeaderBlocked.visibility = View.GONE
             }
+            b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(acc) }
         }
 
         private fun friendlyType(raw: String): String {
@@ -178,7 +194,10 @@ class AccountHistoryAdapter(
             val name = trx.counterpartyName ?: trx.description
             val initial = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
 
-            val bitmap = trx.counterpartyName?.let { imageCache[it] }
+            val iconBitmap = trx.iconUrl?.let { iconUrlCache[it] }
+            val contactBitmap = if (iconBitmap == null) trx.counterpartyName?.let { imageCache[it] } else null
+            val bitmap = iconBitmap ?: contactBitmap
+
             if (bitmap != null) {
                 val rd = RoundedBitmapDrawableFactory.create(b.root.resources, bitmap)
                 rd.isCircular = true
@@ -192,7 +211,8 @@ class AccountHistoryAdapter(
                 b.fvAvatar.background = circle
                 b.tvInitial.visibility = View.VISIBLE
                 b.tvInitial.text = initial
-                if (trx.counterpartyName != null) onImageNeeded?.invoke(trx.counterpartyName)
+                if (trx.iconUrl != null) onIconUrlNeeded?.invoke(trx.iconUrl)
+                else if (trx.counterpartyName != null) onImageNeeded?.invoke(trx.counterpartyName)
             }
             b.tvDescription.text = trx.description
 

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

@@ -1,6 +1,8 @@
 package sh.sar.basedbank.ui.home
 
 import android.graphics.BitmapFactory
+import okhttp3.OkHttpClient
+import okhttp3.Request
 import android.os.Bundle
 import android.text.Editable
 import android.text.TextWatcher
@@ -18,7 +20,9 @@ import kotlinx.coroutines.launch
 import kotlinx.coroutines.sync.withLock
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibHistoryClient
@@ -26,6 +30,7 @@ import sh.sar.basedbank.api.mib.Transaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentAccountHistoryBinding
 import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.MerchantIconCache
 import java.text.SimpleDateFormat
 import java.util.Calendar
 import java.util.Locale
@@ -43,6 +48,7 @@ class AccountHistoryFragment : Fragment() {
     private var searchQuery = ""
     private var firstPageDone = false
     private val pendingImageNames = mutableSetOf<String>()
+    private val pendingIconUrls = mutableSetOf<String>()
 
     // Pagination state
     private var mibNextStart = 1
@@ -50,6 +56,8 @@ class AccountHistoryFragment : Fragment() {
     private var bmlNextPage = 1
     private var bmlTotalPages = -1
     private var cardMonthOffset = 0  // 0 = current month, 1 = prev, etc.
+    private var fahipayNextStart = 0
+    private var fahipayTotal = -1
     private var isLoading = false
     private val pageSize = 10
 
@@ -74,6 +82,10 @@ class AccountHistoryFragment : Fragment() {
 
         adapter = AccountHistoryAdapter(account)
         adapter.onImageNeeded = { name -> loadContactImage(name) }
+        adapter.onIconUrlNeeded = { url -> loadMerchantIcon(url) }
+        adapter.onTransferClick = { acc ->
+            (activity as? HomeActivity)?.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFrom(acc))
+        }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
         binding.recyclerView.addOnScrollListener(object : RecyclerView.OnScrollListener() {
@@ -121,10 +133,12 @@ class AccountHistoryFragment : Fragment() {
         binding.emptyView.visibility = if (filtered.isEmpty() && !isLoading) View.VISIBLE else View.GONE
     }
 
-    private fun isMib() = !account.profileType.startsWith("BML")
-    private fun isBmlCard() = account.profileType == "BML_PREPAID"
+    private fun isMib() = !account.profileType.startsWith("BML") && account.profileType != "FAHIPAY"
+    private fun isBmlCard() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
+    private fun isFahipay() = account.profileType == "FAHIPAY"
 
     private fun hasMore(): Boolean = when {
+        isFahipay() -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
         isMib() -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         isBmlCard() -> cardMonthOffset < 3   // load up to 3 months
         else -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
@@ -143,6 +157,20 @@ class AccountHistoryFragment : Fragment() {
         lifecycleScope.launch {
             val transactions: List<Transaction> = withContext(Dispatchers.IO) {
                 when {
+                    isFahipay() -> {
+                        val session = app.fahipaySession ?: return@withContext emptyList()
+                        val flow = FahipayLoginFlow()
+                        flow.setSessionCookie(session.sessionCookie)
+                        val (list, total) = flow.fetchHistory(
+                            session = session,
+                            accountDisplayName = account.accountBriefName,
+                            accountNumber = account.accountNumber,
+                            start = fahipayNextStart
+                        )
+                        if (total > 0) fahipayTotal = total
+                        fahipayNextStart += list.size
+                        list
+                    }
                     isMib() -> {
                         val session = app.mibSession ?: return@withContext emptyList()
                         app.mibMutex.withLock {
@@ -161,7 +189,7 @@ class AccountHistoryFragment : Fragment() {
                         }
                     }
                     isBmlCard() -> {
-                        val session = app.bmlSession ?: return@withContext emptyList()
+                        val session = app.bmlSessionFor(account) ?: return@withContext emptyList()
                         val cal = Calendar.getInstance()
                         cal.add(Calendar.MONTH, -cardMonthOffset)
                         val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
@@ -175,7 +203,7 @@ class AccountHistoryFragment : Fragment() {
                         )
                     }
                     else -> {
-                        val session = app.bmlSession ?: return@withContext emptyList()
+                        val session = app.bmlSessionFor(account) ?: return@withContext emptyList()
                         val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
                             session = session,
                             accountId = account.internalId,
@@ -247,6 +275,29 @@ class AccountHistoryFragment : Fragment() {
         }
     }
 
+    private fun loadMerchantIcon(url: String) {
+        if (!pendingIconUrls.add(url)) return
+        val cached = MerchantIconCache.load(requireContext(), url)
+        if (cached != null) {
+            binding.recyclerView.post { adapter.updateIconUrl(url, cached) }
+            return
+        }
+        viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
+            try {
+                val client = OkHttpClient()
+                val response = client.newCall(Request.Builder().url(url).build()).execute()
+                val bytes = response.body?.bytes() ?: return@launch
+                response.close()
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+                    ?: return@launch
+                MerchantIconCache.save(requireContext(), url, bitmap)
+                withContext(Dispatchers.Main) { adapter.updateIconUrl(url, bitmap) }
+            } catch (_: Exception) {
+                pendingIconUrls.remove(url)
+            }
+        }
+    }
+
     override fun onDestroyView() {
         (activity as? HomeActivity)?.setRefreshing(false)
         super.onDestroyView()

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

@@ -3,17 +3,18 @@ package sh.sar.basedbank.ui.home
 import android.content.ClipData
 import android.content.ClipboardManager
 import android.content.Context
-import android.graphics.Color
-import android.graphics.drawable.GradientDrawable
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.databinding.ItemAccountBinding
 import sh.sar.basedbank.databinding.ItemCardBinding
-import sh.sar.basedbank.databinding.ItemProfileHeaderBinding
+import sh.sar.basedbank.databinding.ItemDateHeaderBinding
+import sh.sar.basedbank.util.BmlDashboardParser
+import sh.sar.basedbank.util.MibAccountParser
 
 class AccountsAdapter(
     accounts: List<MibAccount>,
@@ -21,7 +22,7 @@ class AccountsAdapter(
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
-        data class SectionTitle(val label: String, val chip: String) : Item()
+        data class SectionTitle(val label: String) : Item()
         data class Account(val account: MibAccount) : Item()
         data class Card(val account: MibAccount) : Item()
     }
@@ -35,19 +36,40 @@ class AccountsAdapter(
     }
 
     private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
-        val regular = accounts.filter { it.profileType != "BML_PREPAID" }
-        val prepaid = accounts.filter { it.profileType == "BML_PREPAID" }
+        val nonPrepaid = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+        val prepaid    = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
 
-        if (regular.isNotEmpty()) {
-            add(Item.SectionTitle("Accounts", ""))
-            regular.forEach { add(Item.Account(it)) }
+        // Group non-prepaid accounts by their derived section title, preserving order
+        val groups = LinkedHashMap<String, MutableList<MibAccount>>()
+        for (acc in nonPrepaid) {
+            val title = sectionTitle(acc)
+            groups.getOrPut(title) { mutableListOf() }.add(acc)
         }
+        for ((title, group) in groups) {
+            add(Item.SectionTitle(title))
+            group.forEach { add(Item.Account(it)) }
+        }
+
         if (prepaid.isNotEmpty()) {
-            add(Item.SectionTitle("Cards", "BML"))
+            add(Item.SectionTitle("Cards · Bank of Maldives"))
             prepaid.forEach { add(Item.Card(it)) }
         }
     }
 
+    private fun sectionTitle(account: MibAccount): String {
+        val profileLabel = when (account.profileType) {
+            "0"  -> "Personal"
+            "1"  -> "Business"
+            else -> account.profileName
+        }
+        val bank = when {
+            account.profileType.startsWith("BML") -> "Bank of Maldives"
+            account.profileType == "FAHIPAY"       -> "Fahipay"
+            else                                   -> "Maldives Islamic Bank"
+        }
+        return if (profileLabel.isNotBlank()) "$profileLabel · $bank" else bank
+    }
+
     override fun getItemViewType(position: Int) = when (items[position]) {
         is Item.SectionTitle -> TYPE_HEADER
         is Item.Account      -> TYPE_ACCOUNT
@@ -57,7 +79,7 @@ class AccountsAdapter(
     override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
         val inflater = LayoutInflater.from(parent.context)
         return when (viewType) {
-            TYPE_HEADER  -> SectionViewHolder(ItemProfileHeaderBinding.inflate(inflater, parent, false))
+            TYPE_HEADER  -> SectionViewHolder(ItemDateHeaderBinding.inflate(inflater, parent, false))
             TYPE_CARD    -> CardViewHolder(ItemCardBinding.inflate(inflater, parent, false))
             else         -> AccountViewHolder(ItemAccountBinding.inflate(inflater, parent, false))
         }
@@ -73,16 +95,10 @@ class AccountsAdapter(
 
     override fun getItemCount() = items.size
 
-    private inner class SectionViewHolder(private val binding: ItemProfileHeaderBinding) :
+    private inner class SectionViewHolder(private val binding: ItemDateHeaderBinding) :
         RecyclerView.ViewHolder(binding.root) {
         fun bind(item: Item.SectionTitle) {
-            binding.tvProfileName.text = item.label
-            if (item.chip.isNotEmpty()) {
-                binding.tvProfileType.text = item.chip
-                binding.tvProfileType.visibility = View.VISIBLE
-            } else {
-                binding.tvProfileType.visibility = View.GONE
-            }
+            binding.tvDateHeader.text = item.label
         }
     }
 
@@ -91,14 +107,12 @@ class AccountsAdapter(
         fun bind(account: MibAccount) {
             binding.tvAccountName.text   = account.accountBriefName
             binding.tvAccountNumber.text = account.accountNumber
-            binding.tvPillBank.text      = if (account.profileType.startsWith("BML")) "BML" else "MIB"
-            binding.tvPillType.text      = friendlyAccountType(account.accountTypeName)
-            binding.tvPillProfile.text   = when (account.profileType) {
-                "0"  -> "Personal"
-                "1"  -> "Business"
-                else -> account.profileName
-            }
-            binding.tvBalance.text = "${account.currencyName} ${account.availableBalance}"
+            val label = if (account.profileType.startsWith("BML"))
+                BmlDashboardParser.productLabel(account.accountTypeName)
+            else
+                MibAccountParser.productLabel(account.accountTypeName)
+            binding.tvPillType.text = label
+            binding.tvBalance.text  = "${account.currencyName} ${account.availableBalance}"
             binding.root.setOnClickListener { onAccountClick(account) }
             binding.root.setOnLongClickListener {
                 copyToClipboard(it.context, account.accountNumber)
@@ -110,15 +124,10 @@ class AccountsAdapter(
     private inner class CardViewHolder(private val binding: ItemCardBinding) :
         RecyclerView.ViewHolder(binding.root) {
         fun bind(account: MibAccount) {
-            val brand = cardBrand(account.accountTypeName)
-            binding.tvCardBrand.text = brand.label
-            binding.tvCardBrand.background = GradientDrawable().apply {
-                shape = GradientDrawable.RECTANGLE
-                cornerRadius = 100f
-                setColor(Color.parseColor(brand.color))
-            }
-            binding.tvCardName.text   = account.accountBriefName
-            binding.tvCardNumber.text = account.accountNumber
+            binding.ivCardBrand.setImageResource(cardBrandIcon(account.accountTypeName))
+            binding.tvCardName.text    = account.accountBriefName
+            binding.tvCardNumber.text  = account.accountNumber
+            binding.tvCardProduct.text = BmlDashboardParser.productLabel(account.accountTypeName)
             binding.layoutCardBalance.visibility = View.VISIBLE
             binding.tvCardBalance.text = "${account.currencyName} ${account.availableBalance}"
 
@@ -146,29 +155,12 @@ class AccountsAdapter(
             Toast.makeText(context, "Account number copied", Toast.LENGTH_SHORT).show()
         }
 
-        private fun friendlyAccountType(raw: String): String {
-            val u = raw.trim().uppercase()
-            return when {
-                u == "SAVINGS ACCOUNT" ||
-                u == "SAVING ACCOUNT"                       -> "Savings"
-                u == "CURRENT ACCOUNT" ||
-                u == "CURRENT ACCOUNT(PERSONAL)" ||
-                u == "CURRENT ACCOUNT(BUSINESS)"            -> "Current"
-                u == "WADIAH RETAIL CURRENT ACCOUNT" ||
-                u == "WADIAH BUSINESS CURRENT ACCOUNT"      -> "Islamic Current"
-                u == "BML ISLAMIC SAVINGS ACCOUNT"          -> "Islamic Savings"
-                else                                        -> raw.trim()
-            }
-        }
-
-        private data class Brand(val label: String, val color: String)
-
-        private fun cardBrand(productName: String): Brand = when {
+        private fun cardBrandIcon(productName: String): Int = when {
             productName.contains("AMEX", ignoreCase = true) ||
-            productName.contains("AMERICAN EXPRESS", ignoreCase = true) -> Brand("AMEX", "#016FD0")
-            productName.contains("VISA", ignoreCase = true)             -> Brand("VISA", "#1A1F71")
-            productName.contains("MASTERCARD", ignoreCase = true)       -> Brand("MC",   "#FF5F00")
-            else                                                         -> Brand("CARD", "#555555")
+            productName.contains("AMERICAN EXPRESS", ignoreCase = true) -> R.drawable.americanexpress
+            productName.contains("VISA", ignoreCase = true)             -> R.drawable.visa
+            productName.contains("MASTERCARD", ignoreCase = true)       -> R.drawable.mastercard
+            else                                                         -> R.drawable.ic_nav_card
         }
     }
 }

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

@@ -12,12 +12,18 @@ import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ArrayAdapter
+import android.widget.Filter
+import android.widget.Filterable
+import android.widget.TextView
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
+import androidx.core.content.ContextCompat
 import androidx.fragment.app.activityViewModels
+import androidx.swiperefreshlayout.widget.CircularProgressDrawable
 import androidx.lifecycle.lifecycleScope
 import com.google.android.material.bottomsheet.BottomSheetDialogFragment
 import sh.sar.basedbank.util.ContactsCache
+import sh.sar.basedbank.util.CredentialStore
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
@@ -43,7 +49,9 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     private data class DestinationOption(
         val label: String,
         val isBml: Boolean,
-        val mibProfile: MibProfile? = null
+        val mibProfile: MibProfile? = null,
+        val bmlLoginId: String? = null,
+        val subtitle: String = ""
     )
 
     private var destinations: List<DestinationOption> = emptyList()
@@ -86,18 +94,44 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         for (profile in app.mibProfiles) {
             list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile))
         }
-        if (app.bmlSession != null) {
-            list.add(DestinationOption("BML · Personal", isBml = true))
+        val store = CredentialStore(requireContext())
+        for ((loginId, _) in app.bmlSessions) {
+            val ownerName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() } ?: loginId
+            val profileName = app.bmlAccounts.firstOrNull { it.loginTag == "bml_$loginId" }?.profileName ?: ""
+            list.add(DestinationOption("BML · $ownerName", isBml = true, bmlLoginId = loginId, subtitle = profileName))
         }
         return list
     }
 
     private fun setupDestinationDropdown() {
-        val labels = destinations.map { it.label }
-        val adapter = ArrayAdapter(requireContext(), android.R.layout.simple_dropdown_item_1line, labels)
+        val adapter = object : ArrayAdapter<DestinationOption>(requireContext(), android.R.layout.simple_list_item_2, destinations) {
+            override fun getView(position: Int, convertView: View?, parent: ViewGroup) =
+                getDropDownView(position, convertView, parent)
+
+            override fun getDropDownView(position: Int, convertView: View?, parent: ViewGroup): View {
+                val view = convertView ?: LayoutInflater.from(context).inflate(android.R.layout.simple_list_item_2, parent, false)
+                val opt = destinations[position]
+                view.findViewById<TextView>(android.R.id.text1).text = opt.label
+                val text2 = view.findViewById<TextView>(android.R.id.text2)
+                if (opt.subtitle.isNotBlank()) {
+                    text2.text = opt.subtitle
+                    text2.visibility = View.VISIBLE
+                } else {
+                    text2.visibility = View.GONE
+                }
+                return view
+            }
+
+            override fun getFilter() = object : Filter() {
+                override fun performFiltering(c: CharSequence?) = FilterResults().apply { values = destinations; count = destinations.size }
+                override fun publishResults(c: CharSequence?, r: FilterResults?) = notifyDataSetChanged()
+                override fun convertResultToString(r: Any?) = ""
+            }
+        }
         binding.actvDestination.setAdapter(adapter)
         binding.actvDestination.setOnItemClickListener { _, _, position, _ ->
             selectedDest = destinations[position]
+            binding.actvDestination.setText(destinations[position].label, false)
             clearLookupResult()
             updateMibOnlyVisibility()
             binding.btnSave.isEnabled = false
@@ -129,6 +163,22 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         }
     }
 
+    private fun startLookupLoading() {
+        val spinner = CircularProgressDrawable(requireContext()).apply {
+            setStyle(CircularProgressDrawable.DEFAULT)
+            setColorSchemeColors(com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorPrimary, Color.GRAY))
+            start()
+        }
+        binding.tilAccount.endIconDrawable = spinner
+        binding.tilAccount.isEnabled = false
+    }
+
+    private fun stopLookupLoading() {
+        binding.tilAccount.isEnabled = true
+        binding.tilAccount.endIconDrawable = ContextCompat.getDrawable(requireContext(), android.R.drawable.ic_menu_search)
+    }
+
     private fun setupAccountSearch() {
         binding.tilAccount.setEndIconOnClickListener { performLookup() }
     }
@@ -167,7 +217,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
             return
         }
 
-        binding.tilAccount.isEnabled = false
+        startLookupLoading()
         binding.tilDestination.isEnabled = false
         binding.btnSave.isEnabled = false
 
@@ -175,7 +225,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
             val result = withContext(Dispatchers.IO) {
                 if (dest.isBml) lookupForBml(input) else lookupForMib(dest, input)
             }
-            binding.tilAccount.isEnabled = true
+            stopLookupLoading()
             binding.tilDestination.isEnabled = true
             if (result != null) {
                 showLookupResult(result, input)
@@ -186,7 +236,8 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     }
 
     private fun lookupForBml(input: String): BmlAccountValidation? {
-        val bmlSess = app.bmlSession ?: return null
+        val loginId = selectedDest?.bmlLoginId ?: return null
+        val bmlSess = app.bmlSessions[loginId] ?: return null
         val bmlFlow = BmlLoginFlow()
 
         // 1) Try BML validate
@@ -236,7 +287,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         if (mibResult != null) return mibResult
 
         // MIB lookup failed (e.g. BML USD account) — fall back to BML validate
-        val bmlSess = app.bmlSession ?: return null
+        val bmlSess = app.anyBmlSession() ?: return null
         return try { BmlLoginFlow().validateAccount(bmlSess, input) } catch (_: Exception) { null }
     }
 
@@ -341,6 +392,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         binding.tilAlias.error = null
 
         binding.btnSave.isEnabled = false
+        binding.btnSave.text = "Saving..."
 
         viewLifecycleOwner.lifecycleScope.launch {
             val success = withContext(Dispatchers.IO) {
@@ -352,13 +404,15 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
                 dismiss()
             } else {
                 binding.btnSave.isEnabled = true
+                binding.btnSave.text = "Save"
                 Toast.makeText(requireContext(), R.string.contact_save_failed, Toast.LENGTH_SHORT).show()
             }
         }
     }
 
     private fun saveToBml(alias: String): Boolean {
-        val bmlSess = app.bmlSession ?: return false
+        val loginId = selectedDest?.bmlLoginId ?: return false
+        val bmlSess = app.bmlSessions[loginId] ?: return false
         val lookup = bmlLookup ?: return false
         val bmlFlow = BmlLoginFlow()
         val account = lookup.account
@@ -425,12 +479,13 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         requireActivity().lifecycleScope.launch(Dispatchers.IO) {
             try {
                 if (dest.isBml) {
-                    val bmlSess = app.bmlSession ?: return@launch
-                    val fresh = BmlLoginFlow().fetchContacts(bmlSess)
+                    val loginId = dest.bmlLoginId ?: return@launch
+                    val bmlSess = app.bmlSessions[loginId] ?: return@launch
+                    val fresh = BmlLoginFlow().fetchContacts(bmlSess, loginId)
                     val existing = viewModel.contacts.value ?: emptyList()
                     val merged = existing.filter { it.benefCategoryId != "BML" } + fresh
                     viewModel.contacts.postValue(merged)
-                    ContactsCache.saveBml(requireContext(), fresh)
+                    if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, fresh)
                 } else {
                     val profile = dest.mibProfile ?: return@launch
                     val mibSess = app.mibSession ?: return@launch

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

@@ -14,6 +14,7 @@ import sh.sar.basedbank.databinding.ItemPickerRowBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 
 class ContactPickerAdapter(
+    private val imageCache: MutableMap<String, Bitmap>,
     private val onItemClick: (accountNumber: String, label: String) -> Unit,
     private val onSameAsFrom: () -> Unit,
     private val onImageNeeded: ((hash: String) -> Unit)? = null,
@@ -35,7 +36,6 @@ class ContactPickerAdapter(
     }
 
     private var items: List<PickerItem> = emptyList()
-    private val imageCache = mutableMapOf<String, Bitmap>()
 
     fun updateImage(hash: String, bitmap: Bitmap) {
         imageCache[hash] = bitmap

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

@@ -33,6 +33,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private val pendingHashes = mutableSetOf<String>()
+    private val sharedImageCache = mutableMapOf<String, Bitmap>()
     private val profileImageHashes = mutableSetOf<String>()
     private val app get() = requireActivity().application as BasedBankApp
     private val session get() = app.mibSession
@@ -48,6 +49,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
         val pageAdapters: List<ContactPickerAdapter> = pages.mapIndexed { i, page ->
             ContactPickerAdapter(
+                imageCache = sharedImageCache,
                 onItemClick = { accountNumber, label -> handlePickerSelection(accountNumber, label) },
                 onSameAsFrom = {},
                 onImageNeeded = { hash -> fetchImage(hash) },
@@ -120,6 +122,12 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         attachMediator(initialPages)
 
         binding.etSheetSearch.addTextChangedListener { pagerAdapter.rebuildAll() }
+        binding.etSheetSearch.setOnFocusChangeListener { _, hasFocus ->
+            if (hasFocus) {
+                val allIndex = pagerAdapter.pages.indexOfFirst { it.tag == null }
+                if (allIndex >= 0) binding.viewPager.setCurrentItem(allIndex, true)
+            }
+        }
 
         viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
             val pages = buildList {
@@ -137,6 +145,8 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
         viewModel.contacts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
         viewModel.accounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
+
+        (activity as? HomeActivity)?.loadAllContacts()
     }
 
     private fun attachMediator(pages: List<TabDef>) {
@@ -153,17 +163,19 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val account = accounts.firstOrNull { it.accountNumber == accountNumber }
         val bundle = bundleOf(KEY_ACCOUNT_NUMBER to accountNumber, KEY_LABEL to label)
         when {
-            account?.profileType == "BML_PREPAID" -> {
-                bundle.putBoolean(KEY_SKIP_LOOKUP, true)
+            account != null -> {
                 bundle.putString(KEY_SUBTITLE, "${account.accountNumber} · ${account.currencyName} ${account.availableBalance}")
                 bundle.putString(KEY_COLOR, "#FE860E")
             }
-            contact != null && !contact.transferCyDesc.equals("MVR", ignoreCase = true) -> {
-                bundle.putBoolean(KEY_SKIP_LOOKUP, true)
+            contact != null -> {
                 bundle.putString(KEY_SUBTITLE, "${contact.benefBankName} · ${contact.benefAccount}")
                 bundle.putString(KEY_COLOR, contact.bankColor)
                 contact.customerImgHash?.let { bundle.putString(KEY_IMAGE_HASH, it) }
             }
+            else -> {
+                bundle.putString(KEY_SUBTITLE, accountNumber)
+                bundle.putString(KEY_COLOR, "#607D8B")
+            }
         }
         setFragmentResult(REQUEST_KEY, bundle)
         dismiss()
@@ -197,11 +209,11 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
         val fromCurrency = fromAccount?.currencyName ?: ""
         val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID"
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT"
 
         if (tabTag == MY_ACCOUNTS_TAG) {
-            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" }
-            val cards = accounts.filter { it.profileType == "BML_PREPAID" }
+            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
 
             val filteredRegular = if (search.isBlank()) regularAccounts else regularAccounts.filter {
                 it.accountBriefName.contains(search, ignoreCase = true) || it.accountNumber.contains(search)
@@ -306,7 +318,6 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         const val REQUEST_KEY = "contact_picker"
         const val KEY_ACCOUNT_NUMBER = "accountNumber"
         const val KEY_LABEL = "label"
-        const val KEY_SKIP_LOOKUP = "skipLookup"
         const val KEY_SUBTITLE = "subtitle"
         const val KEY_COLOR = "color"
         const val KEY_IMAGE_HASH = "imageHash"

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

@@ -8,7 +8,6 @@ import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
 import android.view.LayoutInflater
-import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
@@ -17,6 +16,7 @@ import sh.sar.basedbank.api.mib.MibBeneficiary
 import sh.sar.basedbank.databinding.ItemContactBinding
 
 class ContactsAdapter(
+    private val imageCache: MutableMap<String, Bitmap>,
     private val onImageNeeded: (hash: String) -> Unit,
     private val onDeleteClick: (MibBeneficiary) -> Unit,
     private val onTransferClick: (MibBeneficiary) -> Unit
@@ -24,15 +24,12 @@ class ContactsAdapter(
 
     private var allContacts: List<MibBeneficiary> = emptyList()
     private var displayed: List<MibBeneficiary> = emptyList()
-    private val imageCache = mutableMapOf<String, Bitmap>()
-    private val expandedPositions = mutableSetOf<Int>()
 
     private var activeCategoryId: String? = null
     private var searchQuery: String = ""
 
     fun updateContacts(contacts: List<MibBeneficiary>) {
         allContacts = contacts
-        expandedPositions.clear()
         applyFilter()
     }
 
@@ -46,7 +43,6 @@ class ContactsAdapter(
     fun setFilter(categoryId: String?, query: String) {
         activeCategoryId = categoryId
         searchQuery = query
-        expandedPositions.clear()
         applyFilter()
     }
 
@@ -64,7 +60,30 @@ class ContactsAdapter(
 
     override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
         val binding = ItemContactBinding.inflate(LayoutInflater.from(parent.context), parent, false)
-        return ViewHolder(binding)
+        val holder = ViewHolder(binding)
+
+        binding.btnTransferContact.setOnClickListener {
+            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 {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onDeleteClick(displayed[pos])
+        }
+        binding.root.setOnLongClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos == RecyclerView.NO_POSITION) return@setOnLongClickListener false
+            val account = displayed[pos].benefAccount
+            val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+            clipboard.setPrimaryClip(ClipData.newPlainText("account", account))
+            Toast.makeText(it.context, account, Toast.LENGTH_SHORT).show()
+            true
+        }
+
+        return holder
     }
 
     override fun onBindViewHolder(holder: ViewHolder, position: Int) {
@@ -72,34 +91,7 @@ class ContactsAdapter(
         val cachedImage = contact.customerImgHash?.let { hash ->
             imageCache[hash] ?: run { onImageNeeded(hash); null }
         }
-        holder.bind(contact, cachedImage, position in expandedPositions)
-
-        holder.binding.root.setOnClickListener {
-            val pos = holder.bindingAdapterPosition
-            if (pos == RecyclerView.NO_POSITION) return@setOnClickListener
-            if (pos in expandedPositions) expandedPositions.remove(pos) else expandedPositions.add(pos)
-            notifyItemChanged(pos)
-        }
-
-        holder.binding.root.setOnLongClickListener {
-            val ctx = it.context
-            val clipboard = ctx.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
-            clipboard.setPrimaryClip(ClipData.newPlainText("account", contact.benefAccount))
-            Toast.makeText(ctx, contact.benefAccount, Toast.LENGTH_SHORT).show()
-            true
-        }
-
-        holder.binding.btnTransferContact.setOnClickListener {
-            onTransferClick(contact)
-        }
-
-        holder.binding.btnEditContact.setOnClickListener {
-            Toast.makeText(it.context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-        }
-
-        holder.binding.btnDeleteContact.setOnClickListener {
-            onDeleteClick(contact)
-        }
+        holder.bind(contact, cachedImage)
     }
 
     override fun getItemCount() = displayed.size
@@ -107,10 +99,15 @@ class ContactsAdapter(
     inner class ViewHolder(val binding: ItemContactBinding) :
         RecyclerView.ViewHolder(binding.root) {
 
-        fun bind(contact: MibBeneficiary, photo: Bitmap?, expanded: Boolean) {
+        fun bind(contact: MibBeneficiary, photo: Bitmap?) {
+            val isFahipay = contact.benefType == "FAHIPAY"
             binding.tvContactName.text = contact.benefNickName
-            binding.tvContactBank.text = contact.benefBankName
-            binding.tvContactAccount.text = "${contact.benefAccount} · ${contact.transferCyDesc}"
+            binding.tvContactAccount.text = contact.benefAccount
+            binding.tvRealName.text = if (isFahipay) "" else "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}"
+            binding.tvRealName.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnTransferContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnEditContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnDeleteContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
 
             if (photo != null) {
                 binding.ivContactPhoto.setImageBitmap(photo)
@@ -119,12 +116,6 @@ class ContactsAdapter(
                     makeInitialsBitmap(contact.benefNickName, contact.bankColor)
                 )
             }
-
-            binding.tvRealName.text = contact.benefName
-
-            val vis = if (expanded) View.VISIBLE else View.GONE
-            binding.dividerExpand.visibility = vis
-            binding.expandedSection.visibility = vis
         }
 
         private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {

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

@@ -36,6 +36,7 @@ class ContactsFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private val pendingHashes = mutableSetOf<String>()
+    private val sharedImageCache = mutableMapOf<String, Bitmap>()
     private val app get() = requireActivity().application as BasedBankApp
     private val session get() = app.mibSession
 
@@ -52,6 +53,7 @@ class ContactsFragment : Fragment() {
         private val density get() = resources.displayMetrics.density
         val contactAdapters: List<ContactsAdapter> = pages.map { page ->
             ContactsAdapter(
+                imageCache = sharedImageCache,
                 onImageNeeded = { hash -> fetchImage(hash) },
                 onDeleteClick  = { contact -> confirmDelete(contact) },
                 onTransferClick = { contact -> openTransfer(contact) }
@@ -115,6 +117,8 @@ class ContactsFragment : Fragment() {
             AddContactSheetFragment().show(childFragmentManager, "add_contact")
         }
 
+        (activity as? HomeActivity)?.loadAllContacts()
+
         viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
             rebuildPager(cats)
         }
@@ -154,7 +158,7 @@ class ContactsFragment : Fragment() {
             colorHex      = contact.bankColor,
             imageHash     = contact.customerImgHash
         )
-        (requireActivity() as HomeActivity).showWithBackStack(fragment)
+        (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, fragment)
     }
 
     private fun confirmDelete(contact: MibBeneficiary) {
@@ -181,7 +185,7 @@ class ContactsFragment : Fragment() {
     }
 
     private fun deleteBml(contact: MibBeneficiary): Boolean {
-        val sess = app.bmlSession ?: return false
+        val sess = app.bmlSessions[contact.profileId] ?: app.anyBmlSession() ?: return false
         val contactId = contact.benefNo.removePrefix("bml_")
         return try { BmlLoginFlow().deleteContact(sess, contactId) } catch (_: Exception) { false }
     }
@@ -201,7 +205,11 @@ class ContactsFragment : Fragment() {
         val updated = viewModel.contacts.value?.filter { it.benefNo != contact.benefNo } ?: return
         viewModel.contacts.value = updated
         if (contact.benefCategoryId == "BML") {
-            ContactsCache.saveBml(requireContext(), updated.filter { it.benefCategoryId == "BML" })
+            updated.filter { it.benefCategoryId == "BML" }
+                .groupBy { it.profileId }
+                .forEach { (loginId, contacts) ->
+                    if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, contacts)
+                }
         } else {
             ContactsCache.save(
                 requireContext(),

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

@@ -31,7 +31,7 @@ class DashboardFragment : Fragment() {
         viewModel.bmlLimits.observe(viewLifecycleOwner) { updateForeignLimits(it) }
 
         binding.btnTransfer.setOnClickListener {
-            (requireActivity() as HomeActivity).showWithBackStack(TransferFragment())
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer)
         }
         binding.btnPayMvQr.setOnClickListener {
             Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()

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

@@ -1,6 +1,7 @@
 package sh.sar.basedbank.ui.home
 
 import android.content.Intent
+import android.content.res.Configuration
 import android.os.Bundle
 import android.os.CountDownTimer
 import android.os.Handler
@@ -14,6 +15,7 @@ import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import androidx.activity.viewModels
 import androidx.appcompat.app.ActionBarDrawerToggle
 import androidx.appcompat.app.AppCompatActivity
+import androidx.core.view.WindowCompat
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.lifecycle.Lifecycle
@@ -31,6 +33,8 @@ import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.AuthExpiredException
 import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipaySession
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.databinding.ActivityHomeBinding
@@ -52,94 +56,111 @@ class HomeActivity : AppCompatActivity() {
 
     private lateinit var binding: ActivityHomeBinding
     private val viewModel: HomeViewModel by viewModels()
+    private lateinit var toggle: ActionBarDrawerToggle
+    private var suppressBottomNavCallback = false
 
     private val autolockHandler = Handler(Looper.getMainLooper())
     private var warningDialog: AlertDialog? = null
     private var countdownTimer: CountDownTimer? = null
+    private var pauseTime = 0L
 
     private val warningRunnable = Runnable { showAutolockWarning() }
 
+    private var isLocked = false
+
     private val autolockRunnable = Runnable {
         countdownTimer?.cancel(); countdownTimer = null
         warningDialog?.dismiss(); warningDialog = null
         val securitySet = getSharedPreferences("prefs", MODE_PRIVATE)
             .getString("security_method", null) != null
-        if (securitySet) {
-            startActivity(Intent(this, sh.sar.basedbank.LockActivity::class.java))
-            finish()
-        }
+        if (securitySet) lock()
+    }
+
+    private fun lock() {
+        isLocked = true
+        startActivity(
+            Intent(this, sh.sar.basedbank.LockActivity::class.java)
+                .putExtra(sh.sar.basedbank.LockActivity.EXTRA_RESUME, true)
+        )
     }
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+        WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityHomeBinding.inflate(layoutInflater)
+        if (getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("block_screenshots", true)) {
+            window.addFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
+        }
         setContentView(binding.root)
+        val isLight = (resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_NO
+        WindowCompat.getInsetsController(window, window.decorView).apply {
+            isAppearanceLightStatusBars = isLight
+            isAppearanceLightNavigationBars = isLight
+        }
         setSupportActionBar(binding.toolbar)
 
-        val toggle = ActionBarDrawerToggle(
+        toggle = ActionBarDrawerToggle(
             this, binding.drawerLayout, binding.toolbar,
             R.string.nav_open_drawer, R.string.nav_close_drawer
         )
         binding.drawerLayout.addDrawerListener(toggle)
         toggle.syncState()
 
+        binding.bottomNavigation.setOnItemSelectedListener { item ->
+            if (suppressBottomNavCallback) return@setOnItemSelectedListener true
+            when (item.itemId) {
+                R.id.nav_dashboard -> { show(DashboardFragment()); true }
+                R.id.nav_accounts -> { show(AccountsFragment()); true }
+                R.id.nav_contacts -> { show(ContactsFragment()); true }
+                R.id.nav_transfer -> { show(TransferFragment()); true }
+                R.id.nav_more -> { show(MoreFragment()); true }
+                else -> false
+            }
+        }
+
+        applyNavMode()
+
         binding.navigationView.setNavigationItemSelectedListener { item ->
             binding.drawerLayout.closeDrawers()
-            when (item.itemId) {
-                R.id.nav_dashboard -> show(DashboardFragment())
-                R.id.nav_accounts -> show(AccountsFragment())
-                R.id.nav_contacts -> show(ContactsFragment())
-                R.id.nav_transfer_history -> show(TransferHistoryFragment())
-                R.id.nav_finances -> show(FinancingFragment())
-                R.id.nav_otp -> show(OtpFragment())
-                R.id.nav_settings -> show(SettingsFragment())
-                else -> Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-            }
+            navigateTo(item.itemId)
             true
         }
 
         // Load data
         val app = application as BasedBankApp
-        if (app.accounts.isNotEmpty() || app.bmlAccounts.isNotEmpty()) {
+        if (app.accounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
             // Came from fresh manual login — accounts ready, rest fetched in background
-            val mibAccounts = app.accounts.filter { it.profileType != "BML" }
-            val merged = mibAccounts + app.bmlAccounts
+            val mibAccounts = app.accounts.filter { !it.profileType.startsWith("BML") && it.profileType != "FAHIPAY" }
+            val merged = mibAccounts + app.bmlAccounts + app.fahipayAccounts
             viewModel.accounts.value = merged
             if (mibAccounts.isNotEmpty()) AccountCache.save(this, mibAccounts)
-            if (app.bmlAccounts.isNotEmpty()) AccountCache.saveBml(this, app.bmlAccounts)
+            if (app.bmlAccounts.isNotEmpty()) {
+                val byLoginId = app.bmlAccounts.groupBy { it.loginTag.removePrefix("bml_") }
+                byLoginId.forEach { (loginId, accounts) -> AccountCache.saveBml(this, loginId, accounts) }
+            }
+            if (app.fahipayAccounts.isNotEmpty()) AccountCache.saveFahipay(this, app.fahipayAccounts)
 
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
-            val cachedContacts = mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this))
-            if (cachedContacts.isNotEmpty()) viewModel.contacts.value = cachedContacts
-            val cachedCats = ContactsCache.loadCategories(this)
-            if (cachedCats.isNotEmpty()) viewModel.contactCategories.value = cachedCats
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
             refreshFinancing(app.mibSession, app.mibProfiles)
-            refreshContacts(app.mibSession, app.mibProfiles)
-            if (app.bmlSession != null) {
-                refreshBmlContacts(app)
-                refreshBmlLimits(app.bmlSession!!)
-            }
+            for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
         } else {
             // Came from lock screen — show caches immediately, refresh everything in background
+            val store = CredentialStore(this)
             val cachedMib = AccountCache.load(this)
-            val cachedBml = AccountCache.loadBml(this)
-            val merged = cachedMib + cachedBml
+            val cachedBml = AccountCache.loadBml(this, store.getBmlLoginIds())
+            val cachedFahipay = AccountCache.loadFahipay(this)
+            val merged = cachedMib + cachedBml + cachedFahipay
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
-            val cachedContacts = mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this))
-            if (cachedContacts.isNotEmpty()) viewModel.contacts.value = cachedContacts
-            val cachedCats = ContactsCache.loadCategories(this)
-            if (cachedCats.isNotEmpty()) viewModel.contactCategories.value = cachedCats
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
-            val store = CredentialStore(this)
-            autoRefresh(store.loadMibCredentials(), store.loadBmlCredentials(), store)
+            autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
         }
 
         // Show dashboard on first create
@@ -181,6 +202,50 @@ class HomeActivity : AppCompatActivity() {
             .commit()
     }
 
+    fun applyNavMode() {
+        val isBottom = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
+        if (isBottom) {
+            binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_LOCKED_CLOSED)
+            toggle.isDrawerIndicatorEnabled = false
+            supportActionBar?.setDisplayHomeAsUpEnabled(false)
+            binding.bottomNavigation.visibility = View.VISIBLE
+        } else {
+            binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_UNLOCKED)
+            toggle.isDrawerIndicatorEnabled = true
+            toggle.syncState()
+            binding.bottomNavigation.visibility = View.GONE
+        }
+    }
+
+    fun navigateTo(itemId: Int, fragment: Fragment? = null) {
+        val dest = fragment ?: when (itemId) {
+            R.id.nav_dashboard -> DashboardFragment()
+            R.id.nav_accounts -> AccountsFragment()
+            R.id.nav_contacts -> ContactsFragment()
+            R.id.nav_transfer -> TransferFragment()
+            R.id.nav_transfer_history -> TransferHistoryFragment()
+            R.id.nav_finances -> FinancingFragment()
+            R.id.nav_otp -> OtpFragment()
+            R.id.nav_settings -> SettingsFragment()
+            else -> { Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show(); return }
+        }
+        show(dest)
+        binding.navigationView.setCheckedItem(itemId)
+        val bottomNavIds = setOf(R.id.nav_dashboard, R.id.nav_accounts, R.id.nav_contacts, R.id.nav_transfer, R.id.nav_more)
+        if (binding.bottomNavigation.visibility == View.VISIBLE && itemId in bottomNavIds) {
+            suppressBottomNavCallback = true
+            binding.bottomNavigation.selectedItemId = itemId
+            suppressBottomNavCallback = false
+        }
+    }
+
+    fun setBottomNavVisible(visible: Boolean) {
+        val isBottom = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
+        if (isBottom) {
+            binding.bottomNavigation.visibility = if (visible) View.VISIBLE else View.GONE
+        }
+    }
+
     fun setRefreshing(visible: Boolean) {
         binding.refreshIndicator.visibility = if (visible) View.VISIBLE else View.GONE
     }
@@ -194,11 +259,30 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onResume() {
         super.onResume()
+        // Returning from LockActivity — skip the elapsed check and reset state.
+        if (isLocked) {
+            isLocked = false
+            pauseTime = 0L
+            resetAutolockTimer()
+            return
+        }
+        // If we were away long enough to have hit the autolock timeout (e.g. while
+        // QrScannerActivity was in the foreground), lock immediately.
+        if (pauseTime > 0L) {
+            val elapsed = System.currentTimeMillis() - pauseTime
+            val timeout = getSharedPreferences("prefs", MODE_PRIVATE).getLong("autolock_timeout", 60_000L)
+            val securitySet = getSharedPreferences("prefs", MODE_PRIVATE).getString("security_method", null) != null
+            if (timeout > 0L && elapsed >= timeout && securitySet) {
+                lock()
+                return
+            }
+        }
         resetAutolockTimer()
     }
 
     override fun onPause() {
         super.onPause()
+        pauseTime = System.currentTimeMillis()
         autolockHandler.removeCallbacks(autolockRunnable)
         autolockHandler.removeCallbacks(warningRunnable)
         countdownTimer?.cancel(); countdownTimer = null
@@ -260,8 +344,7 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onOptionsItemSelected(item: MenuItem): Boolean {
         if (item.itemId == R.id.action_lock) {
-            startActivity(Intent(this, sh.sar.basedbank.LockActivity::class.java))
-            finish()
+            lock()
             return true
         }
         return super.onOptionsItemSelected(item)
@@ -271,8 +354,9 @@ class HomeActivity : AppCompatActivity() {
     fun relogin() {
         val store = CredentialStore(this)
         val hasMib = store.hasMibCredentials()
-        val hasBml = store.hasBmlCredentials()
-        if (!hasMib && !hasBml) {
+        val bmlLoginIds = store.getBmlLoginIds()
+        val hasFahipay = store.hasFahipayCredentials()
+        if (!hasMib && bmlLoginIds.isEmpty() && !hasFahipay) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
@@ -280,28 +364,31 @@ class HomeActivity : AppCompatActivity() {
         // Immediately drop accounts for logged-out banks from the displayed list
         val current = viewModel.accounts.value ?: emptyList()
         viewModel.accounts.value = current.filter { acc ->
-            if (!hasMib && !acc.profileType.startsWith("BML")) return@filter false
-            if (!hasBml && acc.profileType.startsWith("BML")) return@filter false
+            if (!hasMib && !acc.profileType.startsWith("BML") && acc.profileType != "FAHIPAY") return@filter false
+            if (acc.profileType.startsWith("BML")) {
+                val loginId = acc.loginTag.removePrefix("bml_")
+                return@filter loginId in bmlLoginIds
+            }
+            if (!hasFahipay && acc.profileType == "FAHIPAY") return@filter false
             true
         }
-        autoRefresh(store.loadMibCredentials(), store.loadBmlCredentials(), store)
+        autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
     }
 
     private fun autoRefresh(
         mibCreds: CredentialStore.MibCredentials?,
-        bmlCreds: CredentialStore.BmlCredentials?,
+        fahipayCreds: CredentialStore.FahipayCredentials?,
         store: CredentialStore
     ) {
-        if (mibCreds == null && bmlCreds == null) return
+        val bmlLoginIds = store.getBmlLoginIds()
+        if (mibCreds == null && bmlLoginIds.isEmpty() && fahipayCreds == null) return
         binding.refreshIndicator.visibility = View.VISIBLE
 
         lifecycleScope.launch {
-            // MIB and BML login run in parallel
             val mibJob = mibCreds?.let {
                 async(Dispatchers.IO) {
                     try {
-                        val prefs = getSharedPreferences("mib_prefs", MODE_PRIVATE)
-                        val flow = MibLoginFlow(prefs)
+                        val flow = MibLoginFlow(CredentialStore(this@HomeActivity))
                         val accounts = flow.login(it.username, it.passwordHash, it.otpSeed)
                         val app = application as BasedBankApp
                         app.accounts = accounts
@@ -313,56 +400,99 @@ class HomeActivity : AppCompatActivity() {
                 }
             }
 
-            val bmlJob = bmlCreds?.let {
-                async(Dispatchers.IO) {
+            // One async job per BML login, all run in parallel
+            val bmlJobs = bmlLoginIds.mapNotNull { loginId ->
+                val creds = store.loadBmlCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
                     val bmlFlow = BmlLoginFlow()
-                    val savedToken = store.loadBmlSession()
+                    val loginTag = "bml_$loginId"
+                    val savedToken = store.loadBmlSession(loginId)
 
-                    // Try cached token first
                     if (savedToken != null) {
                         try {
                             val session = BmlSession(savedToken.first, savedToken.second)
-                            val accounts = bmlFlow.fetchAccounts(session)
+                            val accounts = bmlFlow.fetchAccounts(session, loginTag)
                             val app = application as BasedBankApp
-                            app.bmlSession = session
-                            app.bmlAccounts = accounts
-                            AccountCache.saveBml(this@HomeActivity, accounts)
+                            app.bmlSessions[loginId] = session
+                            AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                             return@async Pair(session, accounts)
                         } catch (_: AuthExpiredException) {
-                            // Token expired — fall through to full login
                         } catch (_: Exception) {
-                            // Network or other error — fall through to full login
                         }
                     }
 
-                    // Full login (token missing or expired)
                     try {
-                        val (session, accounts) = bmlFlow.login(it.username, it.password, it.otpSeed)
-                        store.saveBmlSession(session.accessToken, session.deviceId)
+                        val (session, accounts) = bmlFlow.login(creds.username, creds.password, creds.otpSeed)
+                        store.saveBmlSession(loginId, session.accessToken, session.deviceId)
                         val app = application as BasedBankApp
-                        app.bmlSession = session
-                        app.bmlAccounts = accounts
-                        AccountCache.saveBml(this@HomeActivity, accounts)
+                        app.bmlSessions[loginId] = session
+                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                         Pair(session, accounts)
                     } catch (_: Exception) {
-                        Pair(null, AccountCache.loadBml(this@HomeActivity))
+                        Pair(null, AccountCache.loadBml(this@HomeActivity, loginId))
+                    }
+                }
+            }
+
+            val fahipayJob = fahipayCreds?.let { creds ->
+                async(Dispatchers.IO) {
+                    val fahipayFlow = FahipayLoginFlow()
+                    val deviceUuid = store.getOrCreateFahipayDeviceUuid()
+
+                    val savedSession = store.loadFahipaySession()
+                    if (savedSession != null) {
+                        try {
+                            val session = FahipaySession(savedSession.first, savedSession.second)
+                            fahipayFlow.setSessionCookie(session.sessionCookie)
+                            val balance = fahipayFlow.fetchBalance(session)
+                            val profile = fahipayFlow.fetchProfile(session)
+                            val loginTag = "fahipay_${profile.profileId}"
+                            val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
+                            val app = application as BasedBankApp
+                            app.fahipaySession = session
+                            app.fahipayAccounts = accounts
+                            AccountCache.saveFahipay(this@HomeActivity, accounts)
+                            return@async Pair(session, accounts)
+                        } catch (_: Exception) {
+                        }
+                    }
+
+                    try {
+                        val step = fahipayFlow.login(creds.idCard, creds.password, deviceUuid)
+                        if (step.twoFactorRequired) {
+                            return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                        }
+                        val authId = step.authId ?: return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                        val cookieValue = fahipayFlow.getSessionCookieValue() ?: ""
+                        val session = FahipaySession(authId, cookieValue)
+                        store.saveFahipaySession(authId, cookieValue)
+                        val profile = fahipayFlow.fetchProfile(session)
+                        val balance = fahipayFlow.fetchBalance(session)
+                        val loginTag = "fahipay_${profile.profileId}"
+                        val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
+                        val app = application as BasedBankApp
+                        app.fahipaySession = session
+                        app.fahipayAccounts = accounts
+                        AccountCache.saveFahipay(this@HomeActivity, accounts)
+                        Pair(session, accounts)
+                    } catch (_: Exception) {
+                        Pair(null, AccountCache.loadFahipay(this@HomeActivity))
                     }
                 }
             }
 
             val mibAccounts = mibJob?.await() ?: AccountCache.load(this@HomeActivity)
-            val (bmlSession, bmlAccounts) = bmlJob?.await() ?: Pair(null, AccountCache.loadBml(this@HomeActivity))
-
-            viewModel.accounts.postValue(mibAccounts + bmlAccounts)
-            binding.refreshIndicator.visibility = View.GONE
+            val bmlResults = bmlJobs.map { (_, job) -> job.await() }
+            val bmlAccounts = bmlResults.flatMap { it.second }
+            val (_, fahipayAccounts) = fahipayJob?.await() ?: Pair(null, AccountCache.loadFahipay(this@HomeActivity))
 
             val app = application as BasedBankApp
-            if (bmlSession != null) {
-                refreshBmlContacts(app)
-                refreshBmlLimits(bmlSession)
-            }
+            app.bmlAccounts = bmlAccounts
+            viewModel.accounts.postValue(mibAccounts + bmlAccounts + fahipayAccounts)
+            binding.refreshIndicator.visibility = View.GONE
+
+            for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
             refreshFinancing(app.mibSession, app.mibProfiles)
-            refreshContacts(app.mibSession, app.mibProfiles)
         }
     }
 
@@ -384,20 +514,69 @@ class HomeActivity : AppCompatActivity() {
     }
 
     private fun refreshBmlContacts(app: BasedBankApp) {
-        val session = app.bmlSession ?: return
-        val bmlFlow = BmlLoginFlow()
+        if (app.bmlSessions.isEmpty()) return
         lifecycleScope.launch {
             try {
-                val bmlContacts = withContext(Dispatchers.IO) { bmlFlow.fetchContacts(session) }
-                if (bmlContacts.isNotEmpty()) {
-                    ContactsCache.saveBml(this@HomeActivity, bmlContacts)
-                    val mibContacts = viewModel.contacts.value ?: ContactsCache.loadContacts(this@HomeActivity)
-                    viewModel.contacts.postValue(mergeContacts(mibContacts, bmlContacts))
+                val allBmlContacts = withContext(Dispatchers.IO) {
+                    app.bmlSessions.flatMap { (loginId, session) ->
+                        val contacts = BmlLoginFlow().fetchContacts(session, loginId)
+                        if (contacts.isNotEmpty()) ContactsCache.saveBml(this@HomeActivity, loginId, contacts)
+                        contacts
+                    }
+                }
+                if (allBmlContacts.isNotEmpty()) {
+                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
+                    val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
+                    val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
+                    viewModel.contacts.postValue(mergeContacts(mergeContacts(mibContacts, allBmlContacts), fahipayContacts))
                 }
             } catch (_: Exception) { /* keep cached */ }
         }
     }
 
+    fun loadAllContacts() {
+        val app = application as BasedBankApp
+        val store = sh.sar.basedbank.util.CredentialStore(this)
+        // Populate ViewModel from cache immediately if empty
+        if (viewModel.contacts.value.isNullOrEmpty()) {
+            val cached = mergeContacts(
+                mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this, store.getBmlLoginIds())),
+                ContactsCache.loadFahipay(this)
+            )
+            if (cached.isNotEmpty()) viewModel.contacts.value = cached
+        }
+        if (viewModel.contactCategories.value.isNullOrEmpty()) {
+            val cats = ContactsCache.loadCategories(this) + ContactsCache.loadFahipayCategories(this)
+            if (cats.isNotEmpty()) viewModel.contactCategories.value = cats
+        }
+        // Refresh all banks in background
+        refreshContacts(app.mibSession, app.mibProfiles)
+        refreshBmlContacts(app)
+        if (app.fahipaySession != null) refreshFahipayContacts(app.fahipaySession!!)
+    }
+
+    private fun refreshFahipayContacts(session: FahipaySession) {
+        lifecycleScope.launch {
+            try {
+                val groups = withContext(Dispatchers.IO) {
+                    val flow = FahipayLoginFlow()
+                    flow.setSessionCookie(session.sessionCookie)
+                    flow.fetchContacts(session)
+                }
+                if (groups.isEmpty()) return@launch
+                val contacts = groups.flatMap { it.contacts }
+                val categories = groups.map { MibBeneficiaryCategory(it.categoryId, it.label, it.contacts.size) }
+                ContactsCache.saveFahipay(this@HomeActivity, contacts, categories)
+                val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
+                val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
+                val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
+                viewModel.contacts.postValue(mergeContacts(mergeContacts(mibContacts, bmlContacts), contacts))
+                val mibCategories = ContactsCache.loadCategories(this@HomeActivity)
+                viewModel.contactCategories.postValue(mibCategories + categories)
+            } catch (_: Exception) {}
+        }
+    }
+
     private fun mergeContacts(
         mib: List<MibBeneficiary>,
         bml: List<MibBeneficiary>
@@ -411,8 +590,7 @@ class HomeActivity : AppCompatActivity() {
 
     private fun refreshContacts(session: MibSession?, profiles: List<MibProfile>) {
         if (session == null || profiles.isEmpty()) return
-        val prefs = getSharedPreferences("mib_prefs", MODE_PRIVATE)
-        val flow = MibLoginFlow(prefs)
+        val flow = MibLoginFlow(CredentialStore(this))
         val contactsClient = MibContactsClient()
         lifecycleScope.launch {
             try {
@@ -437,9 +615,12 @@ class HomeActivity : AppCompatActivity() {
                 }
                 if (allContacts.isNotEmpty()) {
                     ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity)
-                    viewModel.contacts.postValue(mergeContacts(allContacts, bmlContacts))
-                    viewModel.contactCategories.postValue(allCategories)
+                    val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
+                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
+                    val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
+                    val fahipayCategories = ContactsCache.loadFahipayCategories(this@HomeActivity)
+                    viewModel.contacts.postValue(mergeContacts(mergeContacts(allContacts, bmlContacts), fahipayContacts))
+                    viewModel.contactCategories.postValue(allCategories + fahipayCategories)
                 }
             } catch (_: Exception) { /* keep cached data */ }
         }
@@ -449,24 +630,42 @@ class HomeActivity : AppCompatActivity() {
         val app = application as BasedBankApp
         lifecycleScope.launch {
             val current = viewModel.accounts.value ?: emptyList()
-            if (src.profileType.startsWith("BML")) {
+            if (src.profileType == "FAHIPAY") {
                 val fresh = withContext(Dispatchers.IO) {
-                    val sess = app.bmlSession ?: return@withContext null
+                    val sess = app.fahipaySession ?: return@withContext null
                     try {
-                        val accounts = BmlLoginFlow().fetchAccounts(sess)
-                        AccountCache.saveBml(this@HomeActivity, accounts)
-                        app.bmlAccounts = accounts
+                        val flow = FahipayLoginFlow()
+                        flow.setSessionCookie(sess.sessionCookie)
+                        val balance = flow.fetchBalance(sess)
+                        val profile = flow.fetchProfile(sess)
+                        val loginTag = "fahipay_${profile.profileId}"
+                        val accounts = listOf(flow.buildAccount(profile, balance, loginTag))
+                        AccountCache.saveFahipay(this@HomeActivity, accounts)
+                        app.fahipayAccounts = accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val mibOnly = current.filter { !it.profileType.startsWith("BML") }
-                viewModel.accounts.postValue(mibOnly + fresh)
+                val others = current.filter { it.profileType != "FAHIPAY" }
+                viewModel.accounts.postValue(others + fresh)
+            } else if (src.profileType.startsWith("BML")) {
+                val loginId = src.loginTag.removePrefix("bml_")
+                val fresh = withContext(Dispatchers.IO) {
+                    val sess = app.bmlSessionFor(src) ?: return@withContext null
+                    try {
+                        val accounts = BmlLoginFlow().fetchAccounts(sess, src.loginTag)
+                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
+                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
+                        app.bmlAccounts = otherBml + accounts
+                        accounts
+                    } catch (_: Exception) { null }
+                } ?: return@launch
+                val otherAccounts = current.filter { !it.profileType.startsWith("BML") || it.loginTag != src.loginTag }
+                viewModel.accounts.postValue(otherAccounts + fresh)
             } else {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.mibSession ?: return@withContext null
                     val profile = app.mibProfiles.firstOrNull { it.profileId == src.profileId } ?: return@withContext null
-                    val prefs = getSharedPreferences("mib_prefs", MODE_PRIVATE)
-                    try { MibLoginFlow(prefs).fetchAllProfiles(sess, listOf(profile), src.loginTag) }
+                    try { MibLoginFlow(CredentialStore(this@HomeActivity)).fetchAllProfiles(sess, listOf(profile), src.loginTag) }
                     catch (_: Exception) { null }
                 } ?: return@launch
                 // Replace accounts from this profile only, keep everything else
@@ -480,8 +679,7 @@ class HomeActivity : AppCompatActivity() {
 
     private fun refreshFinancing(session: MibSession?, profiles: List<MibProfile>) {
         if (session == null || profiles.isEmpty()) return
-        val prefs = getSharedPreferences("mib_prefs", MODE_PRIVATE)
-        val flow = MibLoginFlow(prefs)
+        val flow = MibLoginFlow(CredentialStore(this))
         val client = MibFinancingClient()
         lifecycleScope.launch {
             try {

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

@@ -0,0 +1,48 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.TextView
+import androidx.annotation.DrawableRes
+import androidx.annotation.StringRes
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.R
+
+class MoreFragment : Fragment() {
+
+    private data class NavItem(val id: Int, @DrawableRes val icon: Int, @StringRes val title: Int)
+
+    private val items = listOf(
+        NavItem(R.id.nav_pay_mv_qr,         R.drawable.ic_qr_scan,               R.string.pay_mv_qr),
+        NavItem(R.id.nav_activities,        R.drawable.ic_nav_activities,        R.string.nav_activities),
+        NavItem(R.id.nav_transfer_history,  R.drawable.ic_nav_transfer_history,  R.string.nav_transfer_history),
+        NavItem(R.id.nav_finances,          R.drawable.ic_nav_finances,          R.string.nav_finances),
+        NavItem(R.id.nav_card_settings,     R.drawable.ic_nav_card,              R.string.nav_card_settings),
+        NavItem(R.id.nav_otp,               R.drawable.ic_nav_otp,               R.string.nav_otp),
+        NavItem(R.id.nav_settings,          R.drawable.ic_nav_settings,          R.string.nav_settings),
+    )
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
+        inflater.inflate(R.layout.fragment_more, container, false)
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val list = view.findViewById<LinearLayout>(R.id.moreList)
+        val inflater = LayoutInflater.from(requireContext())
+        for (item in items) {
+            val row = inflater.inflate(R.layout.item_more_nav, list, false)
+            row.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.icon)
+            row.findViewById<TextView>(R.id.tvLabel).setText(item.title)
+            row.setOnClickListener { (requireActivity() as HomeActivity).navigateTo(item.id) }
+            list.addView(row)
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_more)
+    }
+}

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

@@ -0,0 +1,25 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import com.google.android.material.navigation.NavigationView
+import sh.sar.basedbank.R
+
+class NavMoreSheetFragment : BottomSheetDialogFragment() {
+
+    var onNavigate: ((Int) -> Unit)? = null
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
+        inflater.inflate(R.layout.sheet_nav_more, container, false)
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        view.findViewById<NavigationView>(R.id.navMoreView).setNavigationItemSelectedListener { item ->
+            dismiss()
+            onNavigate?.invoke(item.itemId)
+            true
+        }
+    }
+}

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

@@ -75,9 +75,10 @@ class OtpFragment : Fragment() {
             val name = store.loadMibFullName()
             entries.add(OtpEntry(if (name != null) "MIB · $name" else "MIB", creds.otpSeed))
         }
-        store.loadBmlCredentials()?.let { creds ->
-            val name = store.loadBmlFullName()
-            entries.add(OtpEntry(if (name != null) "BML · $name" else "BML", 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))
         }
 
         val adapter = OtpAdapter(entries)
@@ -105,13 +106,14 @@ class OtpFragment : Fragment() {
                     }
                 }
             }
-            if (store.loadBmlFullName() == null) {
-                app.bmlSession?.let { session ->
+            for (loginId in store.getBmlLoginIds()) {
+                if (store.loadBmlUserProfile(loginId)?.fullName.isNullOrBlank()) {
+                    val session = app.bmlSessions[loginId] ?: continue
                     val info = withContext(Dispatchers.IO) {
                         try { BmlLoginFlow().fetchUserInfo(session) } catch (_: Exception) { null }
                     }
                     if (info != null) {
-                        store.saveBmlUserProfile(CredentialStore.BmlUserProfile(
+                        store.saveBmlUserProfile(loginId, CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
                             mobile = info.mobile,
@@ -119,7 +121,8 @@ class OtpFragment : Fragment() {
                             idCard = info.idCard,
                             birthdate = info.birthdate
                         ))
-                        val idx = entries.indexOfFirst { it.seed == store.loadBmlCredentials()?.otpSeed }
+                        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 }
                     }
                 }

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

@@ -7,11 +7,16 @@ import android.content.pm.PackageManager
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
 import android.graphics.Rect
+import android.net.Uri
 import android.os.Bundle
+import android.provider.Settings
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
 import androidx.appcompat.app.AppCompatActivity
 import androidx.camera.core.CameraSelector
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.camera.core.ImageAnalysis
 import androidx.camera.core.Preview
 import androidx.camera.core.resolutionselector.AspectRatioStrategy
@@ -19,12 +24,14 @@ import androidx.camera.core.resolutionselector.ResolutionSelector
 import androidx.camera.core.resolutionselector.ResolutionStrategy
 import androidx.camera.lifecycle.ProcessCameraProvider
 import androidx.core.content.ContextCompat
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import de.markusfisch.android.zxingcpp.ZxingCpp
 import kotlinx.coroutines.CoroutineScope
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.Job
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ActivityQrScannerBinding
 import java.util.concurrent.Executors
 
@@ -45,9 +52,11 @@ class QrScannerActivity : AppCompatActivity() {
         textMode = ZxingCpp.TextMode.PLAIN
     )
 
+    private var cameraStarted = false
+
     private val permissionLauncher = registerForActivityResult(
         ActivityResultContracts.RequestPermission()
-    ) { granted -> if (granted) startCamera() else finish() }
+    ) { granted -> if (granted) startCamera() else showPermissionRationale() }
 
     private val pickImageLauncher = registerForActivityResult(
         ActivityResultContracts.GetContent()
@@ -78,8 +87,23 @@ class QrScannerActivity : AppCompatActivity() {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+        WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityQrScannerBinding.inflate(layoutInflater)
         setContentView(binding.root)
+        // Black camera background — always use light (white) system bar icons
+        WindowCompat.getInsetsController(window, window.decorView).apply {
+            isAppearanceLightStatusBars = false
+            isAppearanceLightNavigationBars = false
+        }
+        val originalBtnMarginBottom = (48 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.btnContainer) { view, insets ->
+            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            (view.layoutParams as android.widget.FrameLayout.LayoutParams).also {
+                it.bottomMargin = originalBtnMarginBottom + bars.bottom
+                view.layoutParams = it
+            }
+            insets
+        }
         binding.btnCancel.setOnClickListener { finish() }
         binding.btnPickImage.setOnClickListener { pickImageLauncher.launch("image/*") }
 
@@ -89,7 +113,30 @@ class QrScannerActivity : AppCompatActivity() {
         else permissionLauncher.launch(Manifest.permission.CAMERA)
     }
 
+    override fun onResume() {
+        super.onResume()
+        if (!cameraStarted && ContextCompat.checkSelfPermission(this, Manifest.permission.CAMERA)
+            == PackageManager.PERMISSION_GRANTED
+        ) startCamera()
+    }
+
+    private fun showPermissionRationale() {
+        MaterialAlertDialogBuilder(this)
+            .setTitle(R.string.qr_camera_permission_title)
+            .setMessage(R.string.qr_camera_permission_message)
+            .setNegativeButton(R.string.cancel) { dialog, _ -> dialog.dismiss() }
+            .setPositiveButton(R.string.go_to_settings) { _, _ ->
+                startActivity(
+                    Intent(Settings.ACTION_APPLICATION_DETAILS_SETTINGS).apply {
+                        data = Uri.fromParts("package", packageName, null)
+                    }
+                )
+            }
+            .show()
+    }
+
     private fun startCamera() {
+        cameraStarted = true
         val future = ProcessCameraProvider.getInstance(this)
         future.addListener({
             val provider = try {

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

@@ -0,0 +1,75 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.appcompat.app.AppCompatDelegate
+import androidx.appcompat.app.AppCompatDelegate.setApplicationLocales
+import androidx.core.os.LocaleListCompat
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentSettingsAppearanceBinding
+
+class SettingsAppearanceFragment : Fragment() {
+
+    private var _binding: FragmentSettingsAppearanceBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsAppearanceBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+
+        // Navigation mode
+        val isBottom = prefs.getBoolean("bottom_nav", false)
+        binding.navModeToggle.check(if (isBottom) R.id.btnNavBottom else R.id.btnNavDrawer)
+        binding.navModeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            prefs.edit().putBoolean("bottom_nav", checkedId == R.id.btnNavBottom).apply()
+            (activity as? HomeActivity)?.applyNavMode()
+        }
+
+        // Theme
+        val saved = prefs.getString("theme", "system")
+        binding.themeToggle.check(when (saved) {
+            "light" -> R.id.btnThemeLight
+            "dark"  -> R.id.btnThemeDark
+            else    -> R.id.btnThemeSystem
+        })
+        binding.themeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            val (key, mode) = when (checkedId) {
+                R.id.btnThemeLight -> "light" to AppCompatDelegate.MODE_NIGHT_NO
+                R.id.btnThemeDark  -> "dark"  to AppCompatDelegate.MODE_NIGHT_YES
+                else               -> "system" to AppCompatDelegate.MODE_NIGHT_FOLLOW_SYSTEM
+            }
+            prefs.edit().putString("theme", key).apply()
+            AppCompatDelegate.setDefaultNightMode(mode)
+        }
+
+        // Language
+        val currentLocales = AppCompatDelegate.getApplicationLocales()
+        val currentLang = if (currentLocales.isEmpty) "en" else currentLocales[0]?.language ?: "en"
+        binding.languageToggle.check(if (currentLang == "dv") R.id.btnLangDhivehi else R.id.btnLangEnglish)
+        binding.languageToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            val tag = if (checkedId == R.id.btnLangDhivehi) "dv" else "en"
+            setApplicationLocales(LocaleListCompat.forLanguageTags(tag))
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_appearance)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

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

@@ -1,301 +1,51 @@
 package sh.sar.basedbank.ui.home
 
-import android.content.Context
 import android.os.Bundle
-import android.view.Gravity
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.TextView
-import android.widget.Toast
-import androidx.appcompat.app.AppCompatDelegate
-import androidx.appcompat.app.AppCompatDelegate.setApplicationLocales
-import androidx.biometric.BiometricManager
-import androidx.core.os.LocaleListCompat
+import androidx.annotation.DrawableRes
+import androidx.annotation.StringRes
 import androidx.fragment.app.Fragment
-import android.content.Intent
-import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.mib.TransactionCache
-import sh.sar.basedbank.databinding.FragmentSettingsBinding
-import sh.sar.basedbank.ui.onboarding.SecuritySetupFragment
-import sh.sar.basedbank.util.AccountCache
-import sh.sar.basedbank.util.ContactImageCache
-import sh.sar.basedbank.util.ContactsCache
-import sh.sar.basedbank.util.CredentialStore
-import sh.sar.basedbank.ui.login.LoginActivity
-import sh.sar.basedbank.util.FinancingCache
-import sh.sar.basedbank.util.ForeignLimitsCache
-import sh.sar.basedbank.util.RecentsCache
 
 class SettingsFragment : Fragment() {
 
-    private var _binding: FragmentSettingsBinding? = null
-    private val binding get() = _binding!!
+    private data class SettingsItem(
+        @DrawableRes val icon: Int,
+        @StringRes val title: Int,
+        val dest: () -> Fragment
+    )
 
-    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
-        _binding = FragmentSettingsBinding.inflate(inflater, container, false)
-        return binding.root
-    }
+    private val items = listOf(
+        SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins)           { SettingsLoginsFragment() },
+        SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance)        { SettingsAppearanceFragment() },
+        SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security)  { SettingsSecurityFragment() },
+        SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage)           { SettingsStorageFragment() },
+    )
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
+        inflater.inflate(R.layout.fragment_settings, container, false)
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-
-        // Theme
-        val saved = prefs.getString("theme", "system")
-        val initialId = when (saved) {
-            "light" -> R.id.btnThemeLight
-            "dark" -> R.id.btnThemeDark
-            else -> R.id.btnThemeSystem
-        }
-        binding.themeToggle.check(initialId)
-
-        binding.themeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
-            if (!isChecked) return@addOnButtonCheckedListener
-            val (key, mode) = when (checkedId) {
-                R.id.btnThemeLight -> "light" to AppCompatDelegate.MODE_NIGHT_NO
-                R.id.btnThemeDark -> "dark" to AppCompatDelegate.MODE_NIGHT_YES
-                else -> "system" to AppCompatDelegate.MODE_NIGHT_FOLLOW_SYSTEM
+        val list = view.findViewById<LinearLayout>(R.id.settingsList)
+        val inflater = LayoutInflater.from(requireContext())
+        for (item in items) {
+            val row = inflater.inflate(R.layout.item_more_nav, list, false)
+            row.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.icon)
+            row.findViewById<TextView>(R.id.tvLabel).setText(item.title)
+            row.setOnClickListener {
+                (requireActivity() as HomeActivity).showWithBackStack(item.dest())
             }
-            prefs.edit().putString("theme", key).apply()
-            AppCompatDelegate.setDefaultNightMode(mode)
-        }
-
-        // Language
-        val currentLocales = AppCompatDelegate.getApplicationLocales()
-        val currentLang = if (currentLocales.isEmpty) "en" else currentLocales[0]?.language ?: "en"
-        binding.languageToggle.check(
-            if (currentLang == "dv") R.id.btnLangDhivehi else R.id.btnLangEnglish
-        )
-
-        binding.languageToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
-            if (!isChecked) return@addOnButtonCheckedListener
-            val tag = if (checkedId == R.id.btnLangDhivehi) "dv" else "en"
-            setApplicationLocales(LocaleListCompat.forLanguageTags(tag))
-        }
-
-        // Auto-lock
-        val savedTimeout = prefs.getLong("autolock_timeout", 60_000L)
-        binding.autolockToggle.check(when (savedTimeout) {
-            0L       -> R.id.btnAutolockOff
-            30_000L  -> R.id.btnAutolock30s
-            180_000L -> R.id.btnAutolock3m
-            300_000L -> R.id.btnAutolock5m
-            else     -> R.id.btnAutolock1m
-        })
-        binding.autolockToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
-            if (!isChecked) return@addOnButtonCheckedListener
-            val timeout = when (checkedId) {
-                R.id.btnAutolockOff  -> 0L
-                R.id.btnAutolock30s  -> 30_000L
-                R.id.btnAutolock3m   -> 180_000L
-                R.id.btnAutolock5m   -> 300_000L
-                else                 -> 60_000L
-            }
-            prefs.edit().putLong("autolock_timeout", timeout).apply()
-            (activity as? HomeActivity)?.resetAutolockTimer()
-        }
-
-        // Change lock
-        binding.btnChangeLock.setOnClickListener {
-            (requireActivity() as HomeActivity).showWithBackStack(
-                SecuritySetupFragment.newInstance(changeMode = true)
-            )
-        }
-
-        // Biometrics toggle — only show if device supports it
-        val canUseBiometrics = BiometricManager.from(requireContext())
-            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
-        if (canUseBiometrics) {
-            binding.rowBiometrics.visibility = View.VISIBLE
-            binding.switchBiometrics.setOnCheckedChangeListener { _, isChecked ->
-                prefs.edit().putBoolean("biometrics_enabled", isChecked).apply()
-            }
-        }
-
-        // Add account
-        binding.btnAddAccount.setOnClickListener {
-            startActivity(Intent(requireContext(), LoginActivity::class.java))
-        }
-
-        // Clear cache
-        binding.btnClearCache.setOnClickListener {
-            val ctx = requireContext()
-            clearAllCaches(ctx)
-            Toast.makeText(ctx, R.string.settings_cache_cleared, Toast.LENGTH_SHORT).show()
+            list.addView(row)
         }
     }
 
     override fun onResume() {
         super.onResume()
         requireActivity().title = getString(R.string.nav_settings)
-        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-        if (binding.rowBiometrics.visibility == View.VISIBLE) {
-            binding.switchBiometrics.isChecked = prefs.getBoolean("biometrics_enabled", false)
-        }
-        buildLoginsSection()
-    }
-
-    override fun onDestroyView() {
-        super.onDestroyView()
-        _binding = null
-    }
-
-    // ── Logins section ───────────────────────────────────────────────────────
-
-    private fun buildLoginsSection() {
-        val ctx = requireContext()
-        val store = CredentialStore(ctx)
-        val container = binding.loginsContainer
-        container.removeAllViews()
-
-        val hasMib = store.hasMibCredentials()
-        val hasBml = store.hasBmlCredentials()
-
-        binding.tvLoginsTitle.visibility = if (hasMib || hasBml) View.VISIBLE else View.GONE
-
-        if (hasMib) {
-            val profile = store.loadMibUserProfile()
-            val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.mib_name)
-            val profileNames = AccountCache.load(ctx)
-                .map { it.profileName }.filter { it.isNotBlank() }.distinct()
-            addLoginRow(container, R.drawable.mib_faisanet_logo, displayName) {
-                showLoginDetails(
-                    title = getString(R.string.mib_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (profileNames.isNotEmpty()) {
-                            appendLine()
-                            appendLine(getString(R.string.login_detail_profiles))
-                            profileNames.forEach { appendLine("  • $it") }
-                        }
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.mib_name)) { logoutMib(store) } }
-                )
-            }
-        }
-
-        if (hasBml) {
-            val profile = store.loadBmlUserProfile()
-            val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
-            val profileNames = AccountCache.loadBml(ctx)
-                .map { it.profileName }.filter { it.isNotBlank() }.distinct()
-            addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
-                showLoginDetails(
-                    title = getString(R.string.bml_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (!profile?.customerId.isNullOrBlank()) appendLine("${getString(R.string.login_detail_customer_id)}: ${profile!!.customerId}")
-                        if (!profile?.idCard.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.idCard}")
-                        if (profileNames.isNotEmpty()) {
-                            appendLine()
-                            appendLine(getString(R.string.login_detail_profiles))
-                            profileNames.forEach { appendLine("  • $it") }
-                        }
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store) } }
-                )
-            }
-        }
-    }
-
-    private fun addLoginRow(
-        container: LinearLayout,
-        logoRes: Int,
-        displayName: String,
-        onClick: () -> 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())
-            isClickable = true
-            isFocusable = true
-            val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
-            background = ta.getDrawable(0)
-            ta.recycle()
-            setOnClickListener { onClick() }
-        }
-
-        val logo = ImageView(ctx).apply {
-            setImageResource(logoRes)
-            scaleType = ImageView.ScaleType.CENTER_INSIDE
-            layoutParams = LinearLayout.LayoutParams((36 * dp).toInt(), (36 * dp).toInt()).apply {
-                marginEnd = (12 * dp).toInt()
-            }
-        }
-
-        val tvName = TextView(ctx).apply {
-            text = displayName
-            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
-            layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
-        }
-
-        row.addView(logo)
-        row.addView(tvName)
-        container.addView(row)
-    }
-
-    private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
-        MaterialAlertDialogBuilder(requireContext())
-            .setTitle(title)
-            .apply { if (details.isNotBlank()) setMessage(details) }
-            .setPositiveButton(R.string.close, null)
-            .setNegativeButton(R.string.settings_logout) { _, _ -> onLogout() }
-            .show()
-    }
-
-    private fun confirmLogout(bankName: String, onConfirm: () -> Unit) {
-        MaterialAlertDialogBuilder(requireContext())
-            .setTitle(getString(R.string.settings_logout_confirm_title, bankName))
-            .setMessage(R.string.settings_logout_confirm_message)
-            .setPositiveButton(R.string.settings_logout) { _, _ -> onConfirm() }
-            .setNegativeButton(R.string.cancel, null)
-            .show()
-    }
-
-    private fun logoutMib(store: CredentialStore) {
-        val ctx = requireContext()
-        store.clearMibCredentials()
-        ctx.getSharedPreferences("mib_prefs", Context.MODE_PRIVATE).edit().clear().apply()
-        val app = requireActivity().application as BasedBankApp
-        app.accounts = emptyList()
-        app.mibSession = null
-        app.mibProfiles = emptyList()
-        clearAllCaches(ctx)
-        (activity as HomeActivity).relogin()
-        buildLoginsSection()
-    }
-
-    private fun logoutBml(store: CredentialStore) {
-        val ctx = requireContext()
-        store.clearBmlCredentials()
-        store.clearBmlSession()
-        val app = requireActivity().application as BasedBankApp
-        app.bmlSession = null
-        app.bmlAccounts = emptyList()
-        clearAllCaches(ctx)
-        (activity as HomeActivity).relogin()
-        buildLoginsSection()
-    }
-
-    private fun clearAllCaches(ctx: Context) {
-        AccountCache.clear(ctx)
-        ContactsCache.clear(ctx)
-        FinancingCache.clear(ctx)
-        ForeignLimitsCache.clear(ctx)
-        RecentsCache.clear(ctx)
-        TransactionCache.clearAll(ctx)
-        ContactImageCache.clearAll(ctx)
     }
 }

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

@@ -0,0 +1,212 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.content.Intent
+import android.os.Bundle
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.TextView
+import androidx.fragment.app.Fragment
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.TransactionCache
+import sh.sar.basedbank.databinding.FragmentSettingsLoginsBinding
+import sh.sar.basedbank.ui.login.LoginActivity
+import sh.sar.basedbank.util.AccountCache
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactsCache
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.FinancingCache
+import sh.sar.basedbank.util.ForeignLimitsCache
+import sh.sar.basedbank.util.RecentsCache
+
+class SettingsLoginsFragment : Fragment() {
+
+    private var _binding: FragmentSettingsLoginsBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsLoginsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        binding.btnAddAccount.setOnClickListener {
+            startActivity(Intent(requireContext(), LoginActivity::class.java))
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_logins)
+        buildLoginsSection()
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private fun buildLoginsSection() {
+        val ctx = requireContext()
+        val store = CredentialStore(ctx)
+        val container = binding.loginsContainer
+        container.removeAllViews()
+
+        val hasMib = store.hasMibCredentials()
+        val bmlLoginIds = store.getBmlLoginIds()
+        val hasFahipay = store.hasFahipayCredentials()
+
+        binding.tvLoginsTitle.visibility = if (hasMib || bmlLoginIds.isNotEmpty() || hasFahipay) View.VISIBLE else View.GONE
+
+        if (hasMib) {
+            val profile = store.loadMibUserProfile()
+            val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.mib_name)
+            val profileNames = AccountCache.load(ctx).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            addLoginRow(container, R.drawable.mib_logo, displayName) {
+                showLoginDetails(
+                    title = getString(R.string.mib_name),
+                    details = buildString {
+                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
+                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
+                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
+                        if (profileNames.isNotEmpty()) {
+                            appendLine()
+                            appendLine(getString(R.string.login_detail_profiles))
+                            profileNames.forEach { appendLine("  • $it") }
+                        }
+                    }.trim(),
+                    onLogout = { confirmLogout(getString(R.string.mib_name)) { logoutMib(store) } }
+                )
+            }
+        }
+
+        for (loginId in bmlLoginIds) {
+            val profile = store.loadBmlUserProfile(loginId)
+            val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
+            val profileNames = AccountCache.loadBml(ctx, loginId).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
+                showLoginDetails(
+                    title = getString(R.string.bml_name),
+                    details = buildString {
+                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
+                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
+                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
+                        if (!profile?.customerId.isNullOrBlank()) appendLine("${getString(R.string.login_detail_customer_id)}: ${profile!!.customerId}")
+                        if (!profile?.idCard.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.idCard}")
+                        if (profileNames.isNotEmpty()) {
+                            appendLine()
+                            appendLine(getString(R.string.login_detail_profiles))
+                            profileNames.forEach { appendLine("  • $it") }
+                        }
+                    }.trim(),
+                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) } }
+                )
+            }
+        }
+
+        if (hasFahipay) {
+            val profile = store.loadFahipayUserProfile()
+            val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
+            addLoginRow(container, R.drawable.fahipay_logo, displayName) {
+                showLoginDetails(
+                    title = getString(R.string.fahipay_name),
+                    details = buildString {
+                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
+                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
+                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
+                        if (!profile?.nid.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.nid}")
+                    }.trim(),
+                    onLogout = { confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store) } }
+                )
+            }
+        }
+    }
+
+    private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> 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())
+            isClickable = true; isFocusable = true
+            val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+            background = ta.getDrawable(0); ta.recycle()
+            setOnClickListener { onClick() }
+        }
+        val logo = ImageView(ctx).apply {
+            setImageResource(logoRes)
+            scaleType = ImageView.ScaleType.CENTER_INSIDE
+            layoutParams = LinearLayout.LayoutParams((36 * dp).toInt(), (36 * dp).toInt()).apply { marginEnd = (12 * dp).toInt() }
+        }
+        val tvName = TextView(ctx).apply {
+            text = displayName
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+            layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+        }
+        row.addView(logo); row.addView(tvName)
+        container.addView(row)
+    }
+
+    private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
+        MaterialAlertDialogBuilder(requireContext())
+            .setTitle(title)
+            .apply { if (details.isNotBlank()) setMessage(details) }
+            .setPositiveButton(R.string.close, null)
+            .setNegativeButton(R.string.settings_logout) { _, _ -> onLogout() }
+            .show()
+    }
+
+    private fun confirmLogout(bankName: String, onConfirm: () -> Unit) {
+        MaterialAlertDialogBuilder(requireContext())
+            .setTitle(getString(R.string.settings_logout_confirm_title, bankName))
+            .setMessage(R.string.settings_logout_confirm_message)
+            .setPositiveButton(R.string.settings_logout) { _, _ -> onConfirm() }
+            .setNegativeButton(R.string.cancel, null)
+            .show()
+    }
+
+    private fun logoutMib(store: CredentialStore) {
+        val ctx = requireContext()
+        store.clearMibCredentials()
+        ctx.getSharedPreferences("mib_prefs", Context.MODE_PRIVATE).edit().clear().apply()
+        val app = requireActivity().application as BasedBankApp
+        app.accounts = emptyList(); app.mibSession = null; app.mibProfiles = emptyList()
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
+    private fun logoutBml(store: CredentialStore, loginId: String) {
+        val ctx = requireContext()
+        store.clearBmlCredentials(loginId); store.clearBmlSession(loginId)
+        val app = requireActivity().application as BasedBankApp
+        app.bmlSessions.remove(loginId)
+        app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" }
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
+    private fun logoutFahipay(store: CredentialStore) {
+        val ctx = requireContext()
+        store.clearFahipayCredentials(); store.clearFahipaySession()
+        val app = requireActivity().application as BasedBankApp
+        app.fahipaySession = null; app.fahipayAccounts = emptyList()
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
+    private fun clearAllCaches(ctx: Context) {
+        AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
+        ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)
+        TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+    }
+}

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

@@ -0,0 +1,107 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.biometric.BiometricManager
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentSettingsSecurityBinding
+import sh.sar.basedbank.ui.onboarding.SecuritySetupFragment
+
+class SettingsSecurityFragment : Fragment() {
+
+    private var _binding: FragmentSettingsSecurityBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsSecurityBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+
+        // Change lock
+        binding.btnChangeLock.setOnClickListener {
+            (requireActivity() as HomeActivity).showWithBackStack(
+                SecuritySetupFragment.newInstance(changeMode = true)
+            )
+        }
+
+        // Biometrics
+        val canUseBiometrics = BiometricManager.from(requireContext())
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+        if (canUseBiometrics) {
+            val unlockEnabled = prefs.getBoolean("biometrics_enabled", false)
+            binding.switchBiometrics.isChecked = unlockEnabled
+            binding.switchBiometricsTransfer.isChecked = prefs.getBoolean("biometrics_transfer_confirm", false)
+            binding.switchBiometricsTransfer.isEnabled = unlockEnabled
+
+            binding.switchBiometrics.setOnCheckedChangeListener { _, isChecked ->
+                prefs.edit().putBoolean("biometrics_enabled", isChecked).apply()
+                binding.switchBiometricsTransfer.isEnabled = isChecked
+                if (!isChecked) {
+                    binding.switchBiometricsTransfer.isChecked = false
+                    prefs.edit().putBoolean("biometrics_transfer_confirm", false).apply()
+                }
+            }
+
+            binding.switchBiometricsTransfer.setOnCheckedChangeListener { _, isChecked ->
+                prefs.edit().putBoolean("biometrics_transfer_confirm", isChecked).apply()
+            }
+        } else {
+            binding.tvBiometricsHint.visibility = View.VISIBLE
+            binding.switchBiometrics.isEnabled = false
+            binding.switchBiometricsTransfer.isEnabled = false
+        }
+
+        // Auto-lock
+        binding.autolockToggle.check(when (prefs.getLong("autolock_timeout", 60_000L)) {
+            0L       -> R.id.btnAutolockOff
+            30_000L  -> R.id.btnAutolock30s
+            180_000L -> R.id.btnAutolock3m
+            300_000L -> R.id.btnAutolock5m
+            else     -> R.id.btnAutolock1m
+        })
+        binding.autolockToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            val timeout = when (checkedId) {
+                R.id.btnAutolockOff -> 0L
+                R.id.btnAutolock30s -> 30_000L
+                R.id.btnAutolock3m  -> 180_000L
+                R.id.btnAutolock5m  -> 300_000L
+                else                -> 60_000L
+            }
+            prefs.edit().putLong("autolock_timeout", timeout).apply()
+            (activity as? HomeActivity)?.resetAutolockTimer()
+        }
+
+        // Block screenshots
+        val blockScreenshots = prefs.getBoolean("block_screenshots", true)
+        binding.switchBlockScreenshots.isChecked = blockScreenshots
+        applyFlagSecure(blockScreenshots)
+        binding.switchBlockScreenshots.setOnCheckedChangeListener { _, isChecked ->
+            prefs.edit().putBoolean("block_screenshots", isChecked).apply()
+            applyFlagSecure(isChecked)
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_privacy_security)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private fun applyFlagSecure(enabled: Boolean) {
+        val win = activity?.window ?: return
+        if (enabled) win.addFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
+        else win.clearFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
+    }
+}

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

@@ -0,0 +1,53 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.Toast
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.TransactionCache
+import sh.sar.basedbank.databinding.FragmentSettingsStorageBinding
+import sh.sar.basedbank.util.AccountCache
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactsCache
+import sh.sar.basedbank.util.FinancingCache
+import sh.sar.basedbank.util.ForeignLimitsCache
+import sh.sar.basedbank.util.RecentsCache
+
+class SettingsStorageFragment : Fragment() {
+
+    private var _binding: FragmentSettingsStorageBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsStorageBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        binding.btnClearCache.setOnClickListener {
+            val ctx = requireContext()
+            clearAllCaches(ctx)
+            Toast.makeText(ctx, R.string.settings_cache_cleared, Toast.LENGTH_SHORT).show()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_storage)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private fun clearAllCaches(ctx: Context) {
+        AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
+        ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)
+        TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+    }
+}

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

@@ -24,7 +24,9 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private val displayItems = mutableListOf<Item>()
     private val imageCache = mutableMapOf<String, Bitmap>()
+    private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
+    var onIconUrlNeeded: ((url: String) -> Unit)? = null
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -34,6 +36,14 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         }
     }
 
+    fun updateIconUrl(url: String, bitmap: Bitmap) {
+        iconUrlCache[url] = bitmap
+        displayItems.forEachIndexed { i, item ->
+            if (item is Item.Trx && item.transaction.iconUrl == url)
+                notifyItemChanged(i)
+        }
+    }
+
     private var _showLoadingFooter = false
     var showLoadingFooter: Boolean
         get() = _showLoadingFooter
@@ -103,7 +113,9 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             val name = trx.counterpartyName ?: trx.description
             val initial = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
 
-            val bitmap = trx.counterpartyName?.let { imageCache[it] }
+            val iconBitmap = trx.iconUrl?.let { iconUrlCache[it] }
+            val contactBitmap = if (iconBitmap == null) trx.counterpartyName?.let { imageCache[it] } else null
+            val bitmap = iconBitmap ?: contactBitmap
             if (bitmap != null) {
                 val rd = RoundedBitmapDrawableFactory.create(b.root.resources, bitmap)
                 rd.isCircular = true
@@ -117,7 +129,8 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
                 b.fvAvatar.background = circle
                 b.tvInitial.visibility = View.VISIBLE
                 b.tvInitial.text = initial
-                if (trx.counterpartyName != null) onImageNeeded?.invoke(trx.counterpartyName)
+                if (trx.iconUrl != null) onIconUrlNeeded?.invoke(trx.iconUrl)
+                else if (trx.counterpartyName != null) onImageNeeded?.invoke(trx.counterpartyName)
             }
             b.tvDescription.text = trx.description
 

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

@@ -14,9 +14,16 @@ import android.view.ViewGroup
 import android.widget.BaseAdapter
 import android.widget.Filter
 import android.widget.Filterable
+import android.graphics.Typeface
+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
 import androidx.core.widget.addTextChangedListener
+import androidx.swiperefreshlayout.widget.CircularProgressDrawable
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.lifecycle.lifecycleScope
@@ -29,6 +36,8 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.dhiraagu.DhiraaguClient
+import sh.sar.basedbank.api.fahipay.OoredooClient
 import sh.sar.basedbank.api.bml.BmlTransferResult
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.api.mib.MibBeneficiary
@@ -41,6 +50,7 @@ import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.AccountInputParser
 import sh.sar.basedbank.util.PaymvQrParser
 import sh.sar.basedbank.util.RecentPick
 import sh.sar.basedbank.util.RecentsCache
@@ -54,13 +64,19 @@ class TransferFragment : Fragment() {
 
     private var selectedAccount: MibAccount? = null
     private val session get() = (requireActivity().application as BasedBankApp).mibSession
-    private val bmlSession get() = (requireActivity().application as BasedBankApp).bmlSession
+    private fun bmlSessionFor(account: MibAccount?) =
+        account?.let { (requireActivity().application as BasedBankApp).bmlSessionFor(it) }
+            ?: (requireActivity().application as BasedBankApp).anyBmlSession()
 
     // Resolved recipient info — set after successful lookup or prefill
     private var resolvedAccountNumber = ""
     private var resolvedRecipientName = ""
     private var resolvedBankName = ""
 
+    // Selected Fahipay service when source is Fahipay and destination is a phone number
+    // Values: "FAHIPAY_TRANSFER", "RAASTAS", "OOREDOO_BILL"
+    private var selectedFahipayService: String? = null
+
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
@@ -80,6 +96,11 @@ class TransferFragment : Fragment() {
         private const val ARG_SUBTITLE = "contact_subtitle"
         private const val ARG_COLOR = "contact_color"
         private const val ARG_IMAGE_HASH = "contact_image_hash"
+        private const val ARG_FROM_ACCOUNT = "from_account"
+
+        fun newInstanceFrom(account: MibAccount) = TransferFragment().apply {
+            arguments = Bundle().apply { putString(ARG_FROM_ACCOUNT, account.accountNumber) }
+        }
 
         fun newInstance(
             accountNumber: String,
@@ -109,15 +130,11 @@ class TransferFragment : Fragment() {
 
         childFragmentManager.setFragmentResultListener(ContactPickerSheetFragment.REQUEST_KEY, viewLifecycleOwner) { _, bundle ->
             val accountNumber = bundle.getString(ContactPickerSheetFragment.KEY_ACCOUNT_NUMBER) ?: return@setFragmentResultListener
-            val label = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
-            if (bundle.getBoolean(ContactPickerSheetFragment.KEY_SKIP_LOOKUP, false)) {
-                val subtitle  = bundle.getString(ContactPickerSheetFragment.KEY_SUBTITLE) ?: accountNumber
-                val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
-                val imageHash = bundle.getString(ContactPickerSheetFragment.KEY_IMAGE_HASH)
-                prefillToDirectly(accountNumber, label, subtitle, colorHex, imageHash)
-            } else {
-                prefillToFromContact(accountNumber, label)
-            }
+            val label     = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
+            val subtitle  = bundle.getString(ContactPickerSheetFragment.KEY_SUBTITLE) ?: accountNumber
+            val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
+            val imageHash = bundle.getString(ContactPickerSheetFragment.KEY_IMAGE_HASH)
+            prefillToDirectly(accountNumber, label, subtitle, colorHex, imageHash)
         }
 
         binding.btnPickContact.setOnClickListener {
@@ -143,19 +160,97 @@ class TransferFragment : Fragment() {
         }
     }
 
+    private fun startLookupLoading() {
+        val spinner = CircularProgressDrawable(requireContext()).apply {
+            setStyle(CircularProgressDrawable.DEFAULT)
+            setColorSchemeColors(com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorPrimary, Color.GRAY))
+            start()
+        }
+        binding.tilTo.endIconDrawable = spinner
+        binding.tilTo.isEnabled = false
+    }
+
+    private fun stopLookupLoading() {
+        binding.tilTo.isEnabled = true
+        binding.tilTo.endIconDrawable = ContextCompat.getDrawable(requireContext(), android.R.drawable.ic_menu_search)
+    }
+
     private fun setupFromDropdown() {
+        binding.btnClearFromInfo.setOnClickListener {
+            selectedAccount = null
+            binding.tilAmount.prefixText = null
+            binding.cardFromInfo.visibility = View.GONE
+            binding.tilFrom.visibility = View.VISIBLE
+            binding.actvFrom.setText("", false)
+        }
+
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
             val adapter = AccountDropdownAdapter(requireContext(), accounts)
             binding.actvFrom.setAdapter(adapter)
 
-            // No default selection — user must explicitly pick a source account
-
             binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
                 val picked = adapter.getAccount(position) ?: return@setOnItemClickListener
                 selectedAccount = picked
-                binding.actvFrom.setText(picked.toDisplayString(), false)
                 updateAmountPrefix(picked)
+                showFromCard(picked)
             }
+
+            val fromNumber = arguments?.getString(ARG_FROM_ACCOUNT)
+            if (fromNumber != null && selectedAccount == null) {
+                val match = accounts.firstOrNull { it.accountNumber == fromNumber }
+                if (match != null) {
+                    selectedAccount = match
+                    updateAmountPrefix(match)
+                    showFromCard(match)
+                }
+            }
+        }
+    }
+
+    private fun showFromCard(account: MibAccount) {
+        val isBml = account.profileType.startsWith("BML")
+        val colorHex = when {
+            isBml -> "#0066A1"
+            account.profileType == "FAHIPAY" -> "#15BEA7"
+            else -> "#FE860E"
+        }
+        val bankLabel = when {
+            isBml -> "BML"
+            account.profileType == "FAHIPAY" -> "FP"
+            else -> null
+        }
+        val typeLabel = when {
+            account.profileType == "BML_PREPAID" -> "Prepaid Card"
+            account.profileType == "BML_CREDIT"  -> "Credit Card"
+            account.accountTypeName.isNotBlank()  -> account.accountTypeName
+            else -> account.profileType
+        }
+
+        binding.tvFromAccountName.text = account.accountBriefName
+        binding.tvFromAccountNumber.text = account.accountNumber
+        binding.tvFromAccountDetails.text = listOfNotNull(bankLabel, typeLabel, "${account.currencyName} ${account.availableBalance}").joinToString(" · ")
+        binding.ivFromPhoto.setImageBitmap(makeInitialsBitmap(account.accountBriefName, colorHex))
+        binding.tilFrom.visibility = View.GONE
+        binding.cardFromInfo.visibility = View.VISIBLE
+
+        if (!isBml && account.profileImageHash != null) {
+            loadFromPhoto(account.profileImageHash)
+        }
+    }
+
+    private fun loadFromPhoto(hash: String) {
+        val sess = session ?: return
+        val app = requireActivity().application as BasedBankApp
+        viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
+            try {
+                val base64 = app.mibLoginFlow.fetchProfileImage(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.ivFromPhoto.setImageBitmap(bitmap)
+                }
+            } catch (_: Exception) { }
         }
     }
 
@@ -169,7 +264,9 @@ class TransferFragment : Fragment() {
         binding.btnClearToInfo.setOnClickListener {
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
+            selectedFahipayService = null
             binding.cardToInfo.visibility = View.GONE
+            binding.layoutServiceSelector.visibility = View.INVISIBLE
             binding.tilTo.visibility = View.VISIBLE
             binding.btnPickContact.visibility = View.VISIBLE
             binding.btnScanQr.visibility = View.VISIBLE
@@ -190,7 +287,11 @@ class TransferFragment : Fragment() {
     }
 
     private fun lookupAccount() {
-        val accountNumber = binding.etTo.text?.toString()?.trim() ?: ""
+        if (selectedAccount == null) {
+            Toast.makeText(requireContext(), R.string.transfer_select_source_first, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val accountNumber = AccountInputParser.normalize(binding.etTo.text?.toString()?.trim() ?: "")
         if (accountNumber.isBlank()) {
             Toast.makeText(requireContext(), R.string.transfer_enter_account_first, Toast.LENGTH_SHORT).show()
             return
@@ -210,8 +311,18 @@ class TransferFragment : Fragment() {
             return
         }
 
+        // Fahipay source: only phone numbers are supported
+        if (selectedAccount?.profileType == "FAHIPAY") {
+            if (AccountInputParser.detect(accountNumber) == AccountInputParser.InputType.PHONE) {
+                lookupFahipayTarget(accountNumber)
+            } else {
+                binding.tilTo.error = getString(R.string.transfer_fahipay_phone_only)
+            }
+            return
+        }
+
         val mibSess = session
-        val bmlSess = bmlSession
+        val bmlSess = bmlSessionFor(selectedAccount)
         if (mibSess == null && bmlSess == null) {
             Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
             return
@@ -219,13 +330,18 @@ class TransferFragment : Fragment() {
 
         val isBmlSource = selectedAccount?.profileType?.startsWith("BML") == true
 
-        binding.tilTo.isEnabled = false
+        startLookupLoading()
 
         viewLifecycleOwner.lifecycleScope.launch {
             var errorMsg: String? = null
             val info = withContext(Dispatchers.IO) {
                 if (isBmlSource && bmlSess != null) {
-                    val bmlResult = try { BmlLoginFlow().validateAccount(bmlSess, accountNumber) } catch (_: Exception) { null }
+                    val inputType = AccountInputParser.detect(accountNumber)
+                    val bmlFlow = BmlLoginFlow()
+                    val bmlResult = try {
+                        if (inputType == AccountInputParser.InputType.MIB_ACCOUNT) bmlFlow.verifyMibAccount(bmlSess, accountNumber)
+                        else bmlFlow.validateAccount(bmlSess, accountNumber)
+                    } catch (_: Exception) { null }
                     if (bmlResult != null) {
                         val bankId = when (bmlResult.trnType) {
                             "IAT" -> "MALBMVMV"
@@ -258,7 +374,7 @@ class TransferFragment : Fragment() {
                     }
                 }
             }
-            binding.tilTo.isEnabled = true
+            stopLookupLoading()
             if (info != null) {
                 val accounts = viewModel.accounts.value ?: emptyList()
                 val matchedAcc = accounts.firstOrNull { it.accountNumber == info.accountNumber }
@@ -292,6 +408,99 @@ class TransferFragment : Fragment() {
         }
     }
 
+    private fun lookupFahipayTarget(number: String) {
+        startLookupLoading()
+        viewLifecycleOwner.lifecycleScope.launch {
+            data class LookupResult(
+                val dhiraagu: DhiraaguClient.Result,
+                val ooredoo: OoredooClient.CustType
+            )
+            val result = withContext(Dispatchers.IO) {
+                if (number.startsWith("7")) {
+                    // Dhiraagu first, fall back to Ooredoo
+                    val d = try { DhiraaguClient().validateNumber(number) }
+                            catch (_: Exception) { DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED) }
+                    val o = if (d.type == DhiraaguClient.CustType.UNSUPPORTED)
+                        try { OoredooClient().validateNumber(number) }
+                        catch (_: Exception) { OoredooClient.CustType.UNSUPPORTED }
+                    else OoredooClient.CustType.UNSUPPORTED
+                    LookupResult(d, o)
+                } else {
+                    // Ooredoo first, fall back to Dhiraagu
+                    val o = try { OoredooClient().validateNumber(number) }
+                            catch (_: Exception) { OoredooClient.CustType.UNSUPPORTED }
+                    val d = if (o == OoredooClient.CustType.UNSUPPORTED)
+                        try { DhiraaguClient().validateNumber(number) }
+                        catch (_: Exception) { DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED) }
+                    else DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED)
+                    LookupResult(d, o)
+                }
+            }
+            stopLookupLoading()
+
+            val dhiraaguName = result.dhiraagu.ownerName.takeIf { it.isNotBlank() }
+
+            // Collect all applicable services
+            val services = buildList {
+                if (result.dhiraagu.type == DhiraaguClient.CustType.RELOAD)  add("DHIRAAGU_RELOAD")
+                if (result.dhiraagu.type == DhiraaguClient.CustType.BILL_PAY) add("DHIRAAGU_BILL")
+                if (result.ooredoo == OoredooClient.CustType.PRE || result.ooredoo == OoredooClient.CustType.HYBRID)  add("RAASTAS")
+                if (result.ooredoo == OoredooClient.CustType.POST || result.ooredoo == OoredooClient.CustType.HYBRID) add("OOREDOO_BILL")
+            }
+
+            if (services.isEmpty()) return@launch
+
+            // Only one option — auto-select, no chip UI needed
+            if (services.size == 1) {
+                selectFahipayService(services[0], number, dhiraaguName)
+                return@launch
+            }
+
+            // Multiple options (Ooredoo HYBRID) — show chips
+            binding.chipDhiraaguReload.visibility = if ("DHIRAAGU_RELOAD" in services) View.VISIBLE else View.GONE
+            binding.chipDhiraaguBill.visibility   = if ("DHIRAAGU_BILL"   in services) View.VISIBLE else View.GONE
+            binding.chipRaastas.visibility        = if ("RAASTAS"         in services) View.VISIBLE else View.GONE
+            binding.chipOoredooBill.visibility    = if ("OOREDOO_BILL"    in services) View.VISIBLE else View.GONE
+            binding.layoutServiceSelector.visibility = View.VISIBLE
+            binding.chipGroupService.clearCheck()
+
+            binding.chipDhiraaguReload.setOnCheckedChangeListener { _, checked ->
+                if (checked) { selectFahipayService("DHIRAAGU_RELOAD", number, dhiraaguName); binding.layoutServiceSelector.visibility = View.INVISIBLE }
+            }
+            binding.chipDhiraaguBill.setOnCheckedChangeListener { _, checked ->
+                if (checked) { selectFahipayService("DHIRAAGU_BILL", number, dhiraaguName); binding.layoutServiceSelector.visibility = View.INVISIBLE }
+            }
+            binding.chipRaastas.setOnCheckedChangeListener { _, checked ->
+                if (checked) { selectFahipayService("RAASTAS", number); binding.layoutServiceSelector.visibility = View.INVISIBLE }
+            }
+            binding.chipOoredooBill.setOnCheckedChangeListener { _, checked ->
+                if (checked) { selectFahipayService("OOREDOO_BILL", number); binding.layoutServiceSelector.visibility = View.INVISIBLE }
+            }
+        }
+    }
+
+    private fun selectFahipayService(service: String, number: String, ownerName: String? = null) {
+        selectedFahipayService = service
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val displayName = ownerName
+            ?: contacts.firstOrNull { it.benefAccount == number }?.benefNickName
+            ?: number
+        val serviceLabel = when (service) {
+            "RAASTAS"          -> "Raastas"
+            "OOREDOO_BILL"     -> "Ooredoo Bill Pay"
+            "DHIRAAGU_RELOAD"  -> "Dhiraagu Reload"
+            "DHIRAAGU_BILL"    -> "Dhiraagu Bill Pay"
+            else               -> service
+        }
+        prefillToDirectly(
+            accountNumber = number,
+            displayName   = displayName,
+            subtitle      = "$serviceLabel · $number",
+            colorHex      = "#FF6B00",
+            imageHash     = null
+        )
+    }
+
     private fun prefillToDirectly(
         accountNumber: String,
         displayName: String,
@@ -359,8 +568,8 @@ class TransferFragment : Fragment() {
         val remarks = binding.etRemarks.text?.toString()?.trim() ?: ""
 
         val isSrcBml = src.profileType.startsWith("BML")
-        val isSrcCard = src.profileType == "BML_PREPAID"
-        val isDestMib = resolvedAccountNumber.matches(Regex("^9\\d{16}$"))
+        val isSrcCard = src.profileType == "BML_PREPAID" || src.profileType == "BML_CREDIT"
+        val isDestMib = AccountInputParser.detect(resolvedAccountNumber) == AccountInputParser.InputType.MIB_ACCOUNT
         val currency = src.currencyName.ifBlank { "MVR" }
         val allAccounts = viewModel.accounts.value ?: emptyList()
         val allContacts = viewModel.contacts.value ?: emptyList()
@@ -381,32 +590,109 @@ class TransferFragment : Fragment() {
         val destDisplay = binding.tvToAccountName.text?.toString() ?: resolvedAccountNumber
         val bankNameCapture = resolvedBankName
         val capturedToAvatar = (binding.ivToPhoto.drawable as? android.graphics.drawable.BitmapDrawable)?.bitmap
-        AlertDialog.Builder(requireContext())
-            .setTitle(R.string.transfer)
-            .setMessage("Send $currency $amountStr to $destDisplay?\n\nFrom: ${src.accountBriefName} · ${src.accountNumber}")
-            .setPositiveButton(R.string.transfer_confirm) { _, _ ->
-                binding.btnTransfer.isEnabled = false
-                viewLifecycleOwner.lifecycleScope.launch {
-                    val (ok, msg, receipt) = withContext(Dispatchers.IO) {
-                        if (!isSrcBml) {
-                            doMibTransfer(src, resolvedAccountNumber, resolvedRecipientName, destDisplay, amountStr, remarks, bankNameCapture)
-                        } else {
-                            doBmlTransfer(src, resolvedAccountNumber, destDisplay, amount, amountStr, remarks, isSrcCard, isDestMib, currency, allAccounts, allContacts)
-                        }
-                    }
-                    binding.btnTransfer.isEnabled = true
-                    if (ok && receipt != null) {
-                        clearForm()
-                        val activity = requireActivity() as HomeActivity
-                        activity.refreshBalances(src)
-                        activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, capturedToAvatar))
-                    } else if (!ok) {
-                        Toast.makeText(requireContext(), msg, Toast.LENGTH_LONG).show()
+
+        val destCurrency = allAccounts.firstOrNull { it.accountNumber == resolvedAccountNumber }
+            ?.currencyName?.ifBlank { "MVR" }
+            ?: allContacts.firstOrNull { it.benefAccount == resolvedAccountNumber }
+                ?.transferCyDesc?.ifBlank { "MVR" }
+            ?: if (isDestMib) "MVR" else "MVR"
+        val isUsdToMvr = currency.equals("USD", ignoreCase = true) && destCurrency.equals("MVR", ignoreCase = true)
+        val isSrcCredit = src.profileType == "BML_CREDIT"
+
+        val mainMsg = "Send $currency $amountStr to $destDisplay?\n\nFrom: ${src.accountBriefName} · ${src.accountNumber}"
+
+        val doTransfer: () -> Unit = {
+            binding.btnTransfer.isEnabled = false
+            (activity as? HomeActivity)?.setRefreshing(true)
+            viewLifecycleOwner.lifecycleScope.launch {
+                val (ok, msg, receipt) = withContext(Dispatchers.IO) {
+                    if (!isSrcBml) {
+                        doMibTransfer(src, resolvedAccountNumber, resolvedRecipientName, destDisplay, amountStr, remarks, bankNameCapture)
+                    } else {
+                        doBmlTransfer(src, resolvedAccountNumber, destDisplay, amount, amountStr, remarks, isSrcCard, isDestMib, currency, allAccounts, allContacts)
                     }
                 }
+                binding.btnTransfer.isEnabled = true
+                (activity as? HomeActivity)?.setRefreshing(false)
+                if (ok && receipt != null) {
+                    clearForm()
+                    val activity = requireActivity() as HomeActivity
+                    activity.refreshBalances(src)
+                    activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, capturedToAvatar))
+                } else if (!ok) {
+                    Toast.makeText(requireContext(), msg, Toast.LENGTH_LONG).show()
+                }
             }
+        }
+
+        val dialogBuilder = AlertDialog.Builder(requireContext())
+            .setTitle(R.string.transfer)
+            .setPositiveButton(R.string.transfer_confirm) { _, _ -> doTransfer() }
             .setNegativeButton(android.R.string.cancel, null)
-            .show()
+
+        if (isUsdToMvr || isSrcCredit) {
+            val ctx = requireContext()
+            val dp = resources.displayMetrics.density
+            val container = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                setPadding((24 * dp).toInt(), (16 * dp).toInt(), (24 * dp).toInt(), 0)
+            }
+            container.addView(TextView(ctx).apply { text = mainMsg })
+            if (isUsdToMvr) {
+                container.addView(TextView(ctx).apply {
+                    text = "⚠ You are transferring from a USD account to an MVR account. The currency will be converted at the bank's rate and this cannot be reversed!"
+                    setTextColor(Color.RED)
+                    textSize = 16f
+                    typeface = Typeface.DEFAULT_BOLD
+                    setPadding(0, (16 * dp).toInt(), 0, 0)
+                })
+            }
+            if (isSrcCredit) {
+                container.addView(TextView(ctx).apply {
+                    text = "⚠ Transferring from a credit card is treated as a cash advance. Cash advance fees will be charged on the 10th of the month."
+                    setTextColor(Color.RED)
+                    textSize = 16f
+                    typeface = Typeface.DEFAULT_BOLD
+                    setPadding(0, (16 * dp).toInt(), 0, 0)
+                })
+            }
+            dialogBuilder.setView(container)
+        } else {
+            dialogBuilder.setMessage(mainMsg)
+        }
+
+        val dialog = dialogBuilder.show()
+
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val biometricTransferConfirm = prefs.getBoolean("biometrics_transfer_confirm", false)
+        val canAuth = BiometricManager.from(requireContext())
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+        if (biometricTransferConfirm && canAuth) {
+            dialog.getButton(AlertDialog.BUTTON_POSITIVE).setOnClickListener {
+                val prompt = BiometricPrompt(this, ContextCompat.getMainExecutor(requireContext()),
+                    object : BiometricPrompt.AuthenticationCallback() {
+                        override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                            dialog.dismiss()
+                            doTransfer()
+                        }
+                        override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
+                            if (errorCode != BiometricPrompt.ERROR_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_USER_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_NEGATIVE_BUTTON) {
+                                Toast.makeText(requireContext(), errString, Toast.LENGTH_SHORT).show()
+                            }
+                        }
+                        override fun onAuthenticationFailed() { /* keep dialog open */ }
+                    })
+                prompt.authenticate(
+                    BiometricPrompt.PromptInfo.Builder()
+                        .setTitle(getString(R.string.biometric_transfer_title))
+                        .setSubtitle("$currency $amountStr → $destDisplay")
+                        .setNegativeButtonText(getString(android.R.string.cancel))
+                        .build()
+                )
+            }
+        }
     }
 
     private fun doMibTransfer(
@@ -430,7 +716,7 @@ class TransferFragment : Fragment() {
             ?: 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 = destAccount.matches(Regex("^9\\d{16}$"))
+        val isDestMib = AccountInputParser.detect(destAccount) == AccountInputParser.InputType.MIB_ACCOUNT
         val bankNo = if (isDestMib) 2 else 3
         val toBank = when {
             isDestMib -> "MIB"
@@ -489,8 +775,9 @@ class TransferFragment : Fragment() {
         allAccounts: List<MibAccount>,
         allContacts: List<MibBeneficiary>
     ): Triple<Boolean, String, TransferReceiptData?> {
-        val sess = bmlSession ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
-        val otp = CredentialStore(requireContext()).loadBmlCredentials()?.otpSeed
+        val loginId = src.loginTag.removePrefix("bml_")
+        val sess = bmlSessionFor(src) ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
+        val otp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) }
             ?: return Triple(false, "OTP unavailable", null)
         val debitAccount = src.internalId.ifBlank {
@@ -498,7 +785,7 @@ class TransferFragment : Fragment() {
         }
 
         // Determine type + credit account
-        val isDestMyCard = allAccounts.any { it.profileType == "BML_PREPAID" && it.accountNumber == destAccount }
+        val isDestMyCard = allAccounts.any { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && it.accountNumber == destAccount }
         val (transferType, creditAccount, bank) = when {
             isSrcCard -> {
                 // CAD: card → own BML account
@@ -507,7 +794,7 @@ class TransferFragment : Fragment() {
             }
             isDestMyCard -> {
                 // CPA: BML CASA → own card top-up
-                val card = allAccounts.first { it.profileType == "BML_PREPAID" && it.accountNumber == destAccount }
+                val card = allAccounts.first { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && it.accountNumber == destAccount }
                 Triple("CPA", card.internalId.ifBlank { destAccount }, null as String?)
             }
             isDestMib && currency == "MVR" -> Triple("DOT", destAccount, "MIB")
@@ -530,7 +817,7 @@ class TransferFragment : Fragment() {
         if (!initiated) return Triple(false, "Failed to initiate transfer — check your session", null)
 
         // Step 2: confirm with fresh OTP
-        val confirmOtp = CredentialStore(requireContext()).loadBmlCredentials()?.otpSeed
+        val confirmOtp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) } ?: otp
 
         return try {
@@ -548,7 +835,8 @@ class TransferFragment : Fragment() {
                     remarks = remarks,
                     bmlFromName = src.accountBriefName,
                     bmlReference = result.reference,
-                    bmlTimestamp = result.timestamp
+                    bmlTimestamp = result.timestamp,
+                    bmlMessage = result.message
                 )
                 val time = result.timestamp.take(19).replace("T", " ")
                 Triple(true, "Reference: ${result.reference}\n$time", receipt)
@@ -563,13 +851,17 @@ class TransferFragment : Fragment() {
     private fun clearForm() {
         selectedAccount = null
         binding.actvFrom.setText("", false)
+        binding.cardFromInfo.visibility = View.GONE
+        binding.tilFrom.visibility = View.VISIBLE
         binding.tilAmount.prefixText = null
         binding.etAmount.setText("")
         binding.etRemarks.setText("")
         resolvedAccountNumber = ""
         resolvedRecipientName = ""
         resolvedBankName = ""
+        selectedFahipayService = null
         binding.cardToInfo.visibility = View.GONE
+        binding.chipGroupService.visibility = View.GONE
         binding.tilTo.visibility = View.VISIBLE
         binding.btnPickContact.visibility = View.VISIBLE
         binding.btnScanQr.visibility = View.VISIBLE
@@ -675,8 +967,8 @@ class TransferFragment : Fragment() {
     ) : BaseAdapter(), Filterable {
 
         private val items: List<Any> = buildList {
-            val regular = accounts.filter { it.profileType != "BML_PREPAID" }
-            val cards = accounts.filter { it.profileType == "BML_PREPAID" }
+            val regular = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
             addAll(regular)
             if (cards.isNotEmpty()) {
                 add(getString(R.string.cards))
@@ -685,7 +977,7 @@ class TransferFragment : Fragment() {
         }
 
         fun getAccount(position: Int): MibAccount? = (items.getOrNull(position) as? MibAccount)
-            ?.takeUnless { it.profileType == "BML_PREPAID" && !it.statusDesc.equals("Active", ignoreCase = true) }
+            ?.takeUnless { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && !it.statusDesc.equals("Active", ignoreCase = true) }
 
         override fun getCount() = items.size
         override fun getItem(position: Int) = items[position]
@@ -716,8 +1008,10 @@ class TransferFragment : Fragment() {
                     ItemAccountDropdownBinding.inflate(LayoutInflater.from(context), parent, false)
                         .also { it.root.tag = it }
                 }
-                val inactive = acc.profileType == "BML_PREPAID" && !acc.statusDesc.equals("Active", ignoreCase = true)
-                b.tvDropdownAccountName.text = acc.accountBriefName
+                val inactive = (acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT") && !acc.statusDesc.equals("Active", ignoreCase = true)
+                val isBmlAccount = acc.profileType.startsWith("BML")
+                val ownerPrefix = if (isBmlAccount && acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
+                b.tvDropdownAccountName.text = "$ownerPrefix${acc.accountBriefName}"
                 b.tvDropdownAccountNumber.text = if (inactive) "${acc.accountNumber} · ${acc.statusDesc}" else acc.accountNumber
                 b.tvDropdownBalance.text = "${acc.currencyName} ${acc.availableBalance}"
                 b.root.alpha = if (inactive) 0.4f else 1f

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

@@ -1,6 +1,8 @@
 package sh.sar.basedbank.ui.home
 
 import android.graphics.BitmapFactory
+import okhttp3.OkHttpClient
+import okhttp3.Request
 import android.os.Bundle
 import android.text.Editable
 import android.text.TextWatcher
@@ -22,6 +24,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibHistoryClient
@@ -29,6 +32,7 @@ import sh.sar.basedbank.api.mib.Transaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentTransferHistoryBinding
 import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.MerchantIconCache
 import java.text.SimpleDateFormat
 import java.util.Calendar
 import java.util.Locale
@@ -52,10 +56,13 @@ class TransferHistoryFragment : Fragment() {
         var mibTotalCount: Int = -1,
         var bmlNextPage: Int = 1,
         var bmlTotalPages: Int = -1,
-        var cardMonthOffset: Int = 0
+        var cardMonthOffset: Int = 0,
+        var fahipayNextStart: Int = 0,
+        var fahipayTotal: Int = -1
     ) {
         fun hasMore(): Boolean = when {
-            account.profileType == "BML_PREPAID" -> cardMonthOffset < 2
+            account.profileType == "FAHIPAY" -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" -> cardMonthOffset < 2
             account.profileType.startsWith("BML") -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
             else -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
@@ -66,6 +73,7 @@ class TransferHistoryFragment : Fragment() {
     private var firstBatchDone = false
     private val pageSize = 20
     private val pendingImageNames = mutableSetOf<String>()
+    private val pendingIconUrls = mutableSetOf<String>()
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentTransferHistoryBinding.inflate(inflater, container, false)
@@ -75,6 +83,7 @@ class TransferHistoryFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         adapter = TransactionAdapter()
         adapter.onImageNeeded = { name -> loadContactImage(name) }
+        adapter.onIconUrlNeeded = { url -> loadMerchantIcon(url) }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
@@ -134,7 +143,6 @@ class TransferHistoryFragment : Fragment() {
 
         val app = requireActivity().application as BasedBankApp
         val mibSession = app.mibSession
-        val bmlSession = app.bmlSession
 
         lifecycleScope.launch {
             val newTransactions = withContext(Dispatchers.IO) {
@@ -146,8 +154,8 @@ class TransferHistoryFragment : Fragment() {
                     async {
                         try {
                             when {
-                                state.account.profileType == "BML_PREPAID" -> {
-                                    val session = bmlSession ?: return@async emptyList()
+                                state.account.profileType == "BML_PREPAID" || state.account.profileType == "BML_CREDIT" -> {
+                                    val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
                                     val cal = Calendar.getInstance()
                                     cal.add(Calendar.MONTH, -state.cardMonthOffset)
                                     val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
@@ -161,7 +169,7 @@ class TransferHistoryFragment : Fragment() {
                                     )
                                 }
                                 else -> {
-                                    val session = bmlSession ?: return@async emptyList()
+                                    val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
                                     val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
                                         session = session,
                                         accountId = state.account.internalId,
@@ -178,8 +186,29 @@ class TransferHistoryFragment : Fragment() {
                     }
                 }.awaitAll().flatten())
 
+                // Fahipay accounts
+                val fahipayStates = activeStates.filter { it.account.profileType == "FAHIPAY" }
+                for (state in fahipayStates) {
+                    val session = app.fahipaySession ?: continue
+                    try {
+                        val flow = FahipayLoginFlow()
+                        flow.setSessionCookie(session.sessionCookie)
+                        val (list, total) = flow.fetchHistory(
+                            session = session,
+                            accountDisplayName = state.account.accountBriefName,
+                            accountNumber = state.account.accountNumber,
+                            start = state.fahipayNextStart
+                        )
+                        if (total > 0) state.fahipayTotal = total
+                        state.fahipayNextStart += list.size
+                        results.addAll(list)
+                    } catch (_: Exception) {}
+                }
+
                 // MIB accounts: serialized per profile, protected by mutex to prevent session race
-                val mibStates = activeStates.filter { !it.account.profileType.startsWith("BML") }
+                val mibStates = activeStates.filter {
+                    !it.account.profileType.startsWith("BML") && it.account.profileType != "FAHIPAY"
+                }
                 for ((profileId, states) in mibStates.groupBy { it.account.profileId }) {
                     val session = mibSession ?: break
                     app.mibMutex.withLock {
@@ -265,6 +294,28 @@ class TransferHistoryFragment : Fragment() {
         }
     }
 
+    private fun loadMerchantIcon(url: String) {
+        if (!pendingIconUrls.add(url)) return
+        val cached = MerchantIconCache.load(requireContext(), url)
+        if (cached != null) {
+            binding.recyclerView.post { adapter.updateIconUrl(url, cached) }
+            return
+        }
+        viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
+            try {
+                val client = OkHttpClient()
+                val response = client.newCall(Request.Builder().url(url).build()).execute()
+                val bytes = response.body?.bytes() ?: return@launch
+                response.close()
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size) ?: return@launch
+                MerchantIconCache.save(requireContext(), url, bitmap)
+                withContext(Dispatchers.Main) { adapter.updateIconUrl(url, bitmap) }
+            } catch (_: Exception) {
+                pendingIconUrls.remove(url)
+            }
+        }
+    }
+
     override fun onDestroyView() {
         (activity as? HomeActivity)?.setRefreshing(false)
         super.onDestroyView()

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

@@ -18,4 +18,5 @@ data class TransferReceiptData(
     val bmlFromName: String = "",
     val bmlReference: String = "",
     val bmlTimestamp: String = "",
+    val bmlMessage: String = "",
 )

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

@@ -61,6 +61,7 @@ class TransferReceiptFragment : Fragment() {
         private const val ARG_BML_FROM_NAME       = "bml_from_name"
         private const val ARG_BML_REFERENCE       = "bml_reference"
         private const val ARG_BML_TIMESTAMP       = "bml_timestamp"
+        private const val ARG_BML_MESSAGE         = "bml_message"
 
         // Holds the already-rendered to-avatar bitmap from TransferFragment
         var pendingToAvatarBitmap: Bitmap? = null
@@ -83,6 +84,7 @@ class TransferReceiptFragment : Fragment() {
                 putString(ARG_BML_FROM_NAME,  data.bmlFromName)
                 putString(ARG_BML_REFERENCE,  data.bmlReference)
                 putString(ARG_BML_TIMESTAMP,  data.bmlTimestamp)
+                putString(ARG_BML_MESSAGE,    data.bmlMessage)
             }
         }
     }
@@ -147,7 +149,7 @@ class TransferReceiptFragment : Fragment() {
         binding.tvToBank.text          = args.getString(ARG_TO_BANK, "")
         binding.tvTransactionDate.text = args.getString(ARG_MIB_DATE, "")
         binding.tvValueDate.text       = args.getString(ARG_MIB_DATE, "")
-        binding.tvPurpose.text         = args.getString(ARG_REMARKS, "").ifBlank { "-" }
+        binding.tvPurpose.text         = args.getString(ARG_REMARKS, "")
     }
 
     private fun loadProfileImage(hash: String, isProfile: Boolean, onLoaded: (Bitmap) -> Unit) {
@@ -181,7 +183,9 @@ class TransferReceiptFragment : Fragment() {
 
         binding.tvAmountValue.text     = formattedAmount
         binding.tvAmountCurrency.text  = currency
-        binding.tvMessageRow.text      = "Thank you. Transfer transaction is successful."
+        val apiMessage = args.getString(ARG_BML_MESSAGE, "")
+        binding.tvMessage.text         = apiMessage
+        binding.tvMessageRow.text      = apiMessage
         binding.tvReference.text       = args.getString(ARG_BML_REFERENCE, "")
         binding.tvTransactionDate.text = formatBmlTimestamp(args.getString(ARG_BML_TIMESTAMP, ""))
         binding.tvFrom.text            = args.getString(ARG_BML_FROM_NAME, "").ifBlank {
@@ -309,6 +313,12 @@ class TransferReceiptFragment : Fragment() {
     override fun onResume() {
         super.onResume()
         requireActivity().title = "Receipt"
+        (activity as? HomeActivity)?.setBottomNavVisible(false)
+    }
+
+    override fun onPause() {
+        super.onPause()
+        (activity as? HomeActivity)?.setBottomNavVisible(true)
     }
 
     override fun onDestroyView() {

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

@@ -27,6 +27,10 @@ class BankSelectionFragment : Fragment() {
             val args = android.os.Bundle().apply { putString("bankType", "BML") }
             findNavController().navigate(R.id.action_bankSelection_to_credentials_bml, args)
         }
+        binding.cardFahipay.setOnClickListener {
+            val args = android.os.Bundle().apply { putString("bankType", "FAHIPAY") }
+            findNavController().navigate(R.id.action_bankSelection_to_credentials_fahipay, args)
+        }
     }
 
     override fun onDestroyView() {

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

@@ -19,6 +19,8 @@ import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipaySession
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.util.AccountCache
 import sh.sar.basedbank.util.CredentialStore
@@ -40,29 +42,61 @@ class CredentialsFragment : Fragment() {
     private var _binding: FragmentCredentialsBinding? = null
     private val binding get() = _binding!!
 
+    // Fahipay two-step state
+    private var fahipayFlow: FahipayLoginFlow? = null
+    private var fahipayAwaitingTotp = false
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        if (bankType == "BML") {
-            binding.ivBankLogo.setImageResource(R.drawable.bml_logo_vector)
-            binding.tvSignInDesc.setText(R.string.bml_sign_in_desc)
+        when (bankType) {
+            "BML" -> {
+                binding.ivBankLogo.setImageResource(R.drawable.bml_logo_vector)
+                binding.tvSignInDesc.setText(R.string.bml_sign_in_desc)
+            }
+            "FAHIPAY" -> {
+                binding.ivBankLogo.setImageResource(R.drawable.fahipay_logo_long)
+                binding.tvSignInDesc.setText(R.string.fahipay_sign_in_desc)
+                binding.tilUsername.hint = getString(R.string.fahipay_id_card)
+                binding.tilOtpSeed.visibility = android.view.View.GONE
+                binding.etOtpSeed.isEnabled = false
+                binding.etOtpSeed.isFocusable = false
+            }
         }
 
+        binding.btnLogin.isEnabled = false
         binding.btnLogin.setOnClickListener { attemptLogin() }
 
-        binding.etOtpSeed.addTextChangedListener(object : TextWatcher {
-            override fun afterTextChanged(s: Editable?) { updateOtpDisplay() }
+        val loginFieldWatcher = object : TextWatcher {
+            override fun afterTextChanged(s: Editable?) { updateLoginButtonState() }
+            override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}
+            override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
+        }
+        binding.etUsername.addTextChangedListener(loginFieldWatcher)
+        binding.etPassword.addTextChangedListener(object : TextWatcher {
+            override fun afterTextChanged(s: Editable?) { updateLoginButtonState(); updateOtpDisplay() }
             override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}
             override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
         })
+
+        if (bankType != "FAHIPAY") {
+            binding.etOtpSeed.addTextChangedListener(object : TextWatcher {
+                override fun afterTextChanged(s: Editable?) {
+                    updateOtpDisplay()
+                    updateLoginButtonState()
+                }
+                override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}
+                override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
+            })
+        }
     }
 
     override fun onResume() {
         super.onResume()
-        otpHandler.post(otpRunnable)
+        if (bankType != "FAHIPAY") otpHandler.post(otpRunnable)
     }
 
     override fun onPause() {
@@ -70,10 +104,35 @@ class CredentialsFragment : Fragment() {
         otpHandler.removeCallbacks(otpRunnable)
     }
 
+    private fun resolveOtpSeed(input: String): String {
+        val secret = if (input.startsWith("otpauth://totp/"))
+            android.net.Uri.parse(input).getQueryParameter("secret") ?: input
+        else
+            input
+        return secret.replace("\\s".toRegex(), "").replace("-", "").uppercase()
+    }
+
+    private fun updateLoginButtonState() {
+        val username = binding.etUsername.text.toString().trim()
+        val password = binding.etPassword.text.toString()
+        val otpSeedRaw = binding.etOtpSeed.text.toString().trim()
+        val otpSeed = resolveOtpSeed(otpSeedRaw)
+        binding.btnLogin.isEnabled = when (bankType) {
+            "FAHIPAY" -> username.isNotEmpty() && password.isNotEmpty()
+            else -> username.isNotEmpty() && password.isNotEmpty() && otpSeed.isNotEmpty() && password != otpSeedRaw
+        }
+    }
+
     private fun updateOtpDisplay() {
-        val seed = binding.etOtpSeed.text.toString().trim()
+        val otpSeedRaw = binding.etOtpSeed.text.toString().trim()
+        val seed = resolveOtpSeed(otpSeedRaw)
         if (seed.isEmpty()) {
-            binding.cardOtp.visibility = View.GONE
+            binding.cardOtp.visibility = View.INVISIBLE
+            return
+        }
+        val password = binding.etPassword.text.toString()
+        if (otpSeedRaw == password || seed.matches(Regex("\\d{6}"))) {
+            binding.cardOtp.visibility = View.INVISIBLE
             return
         }
         try {
@@ -86,19 +145,19 @@ class CredentialsFragment : Fragment() {
             binding.otpTimer.progress = remaining
             binding.cardOtp.visibility = View.VISIBLE
         } catch (e: Exception) {
-            binding.cardOtp.visibility = View.GONE
+            binding.cardOtp.visibility = View.INVISIBLE
         }
     }
 
     private fun attemptLogin() {
-        if (bankType == "BML") {
-            attemptBmlLogin()
-            return
+        when (bankType) {
+            "BML" -> { attemptBmlLogin(); return }
+            "FAHIPAY" -> { attemptFahipayLogin(); return }
         }
 
         val username = binding.etUsername.text.toString().trim()
         val password = binding.etPassword.text.toString()
-        val otpSeed = binding.etOtpSeed.text.toString().trim()
+        val otpSeed = resolveOtpSeed(binding.etOtpSeed.text.toString().trim())
 
         if (username.isEmpty() || password.isEmpty() || otpSeed.isEmpty()) {
             binding.tvError.text = "Please fill in all fields"
@@ -111,8 +170,7 @@ class CredentialsFragment : Fragment() {
         binding.btnLogin.isEnabled = false
 
         val passwordHash = MibLoginFlow.hashPassword(password)
-        val prefs = requireContext().getSharedPreferences("mib_prefs", android.content.Context.MODE_PRIVATE)
-        val flow = MibLoginFlow(prefs)
+        val flow = MibLoginFlow(CredentialStore(requireContext()))
 
         viewLifecycleOwner.lifecycleScope.launch {
             try {
@@ -156,7 +214,7 @@ class CredentialsFragment : Fragment() {
     private fun attemptBmlLogin() {
         val username = binding.etUsername.text.toString().trim()
         val password = binding.etPassword.text.toString()
-        val otpSeed = binding.etOtpSeed.text.toString().trim()
+        val otpSeed = resolveOtpSeed(binding.etOtpSeed.text.toString().trim())
 
         if (username.isEmpty() || password.isEmpty() || otpSeed.isEmpty()) {
             binding.tvError.text = "Please fill in all fields"
@@ -168,6 +226,7 @@ class CredentialsFragment : Fragment() {
         binding.progressBar.visibility = View.VISIBLE
         binding.btnLogin.isEnabled = false
 
+        val loginId = username
         val flow = BmlLoginFlow()
         viewLifecycleOwner.lifecycleScope.launch {
             try {
@@ -175,11 +234,12 @@ class CredentialsFragment : Fragment() {
                     flow.login(username, password, otpSeed)
                 }
                 val store = CredentialStore(requireContext())
-                store.saveBmlCredentials(username, password, otpSeed)
-                store.saveBmlSession(session.accessToken, session.deviceId)
+                store.saveBmlCredentials(loginId, username, password, otpSeed)
+                store.saveBmlSession(loginId, session.accessToken, session.deviceId)
                 withContext(Dispatchers.IO) {
                     val info = flow.fetchUserInfo(session)
                     if (info != null) store.saveBmlUserProfile(
+                        loginId,
                         CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
@@ -190,11 +250,11 @@ class CredentialsFragment : Fragment() {
                         )
                     )
                 }
-                AccountCache.saveBml(requireContext(), accounts)
+                AccountCache.saveBml(requireContext(), loginId, accounts)
                 val app = requireActivity().application as BasedBankApp
-                app.bmlSession = session
-                app.bmlAccounts = accounts
-                // Merge with any existing MIB accounts already in app
+                app.bmlSessions[loginId] = session
+                // Merge with any existing BML accounts from other logins
+                app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" } + accounts
                 app.accounts = app.accounts + accounts
                 val intent = Intent(requireContext(), HomeActivity::class.java)
                 intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
@@ -209,6 +269,136 @@ class CredentialsFragment : Fragment() {
         }
     }
 
+    private fun attemptFahipayLogin() {
+        if (fahipayAwaitingTotp) {
+            submitFahipayTotp()
+            return
+        }
+
+        val idCard = binding.etUsername.text.toString().trim()
+        val password = binding.etPassword.text.toString()
+
+        if (idCard.isEmpty() || password.isEmpty()) {
+            binding.tvError.text = "Please fill in all fields"
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+
+        val store = CredentialStore(requireContext())
+        val deviceUuid = store.getOrCreateFahipayDeviceUuid()
+        val flow = FahipayLoginFlow().also { fahipayFlow = it }
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val step = withContext(Dispatchers.IO) {
+                    flow.login(idCard, password, deviceUuid)
+                }
+
+                if (step.twoFactorRequired) {
+                    // Show TOTP input, disable ID + password fields
+                    fahipayAwaitingTotp = true
+                    binding.etUsername.isEnabled = false
+                    binding.etPassword.isEnabled = false
+                    binding.tilTotpCode.visibility = View.VISIBLE
+                    binding.btnLogin.text = getString(R.string.fahipay_verify)
+                    binding.tvError.visibility = View.GONE
+                } else {
+                    // No 2FA — finish login with the authId from the login response
+                    val authId = step.authId ?: throw Exception("No authID received")
+                    val cookieValue = flow.getSessionCookieValue() ?: ""
+                    finishFahipayLogin(flow, FahipaySession(authId, cookieValue), idCard, password, store)
+                }
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+            } finally {
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+            }
+        }
+    }
+
+    private fun submitFahipayTotp() {
+        val code = binding.etTotpCode.text.toString().trim()
+        if (code.length != 6) {
+            binding.tvError.text = "Enter the 6-digit code from your authenticator app"
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+
+        val flow = fahipayFlow ?: run {
+            binding.tvError.text = "Session lost — please restart login"
+            binding.tvError.visibility = View.VISIBLE
+            binding.progressBar.visibility = View.GONE
+            binding.btnLogin.isEnabled = true
+            return
+        }
+
+        val store = CredentialStore(requireContext())
+        val deviceUuid = store.getOrCreateFahipayDeviceUuid()
+        val idCard = binding.etUsername.text.toString().trim()
+        val password = binding.etPassword.text.toString()
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val authId = withContext(Dispatchers.IO) { flow.verifyTotp(code, deviceUuid) }
+                val cookieValue = flow.getSessionCookieValue() ?: ""
+                finishFahipayLogin(flow, FahipaySession(authId, cookieValue), idCard, password, store)
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "OTP verification failed"
+                binding.tvError.visibility = View.VISIBLE
+            } finally {
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+            }
+        }
+    }
+
+    private suspend fun finishFahipayLogin(
+        flow: FahipayLoginFlow,
+        session: FahipaySession,
+        idCard: String,
+        password: String,
+        store: CredentialStore
+    ) {
+        val (profile, balance) = withContext(Dispatchers.IO) {
+            val p = flow.fetchProfile(session)
+            val b = flow.fetchBalance(session)
+            Pair(p, b)
+        }
+        val loginTag = "fahipay_${profile.profileId}"
+        val account = flow.buildAccount(profile, balance, loginTag)
+        store.saveFahipayCredentials(idCard, password)
+        store.saveFahipaySession(session.authId, session.sessionCookie)
+        store.saveFahipayUserProfile(
+            CredentialStore.FahipayUserProfile(
+                fullName = profile.fullName,
+                email = profile.email,
+                mobile = profile.mobile,
+                nid = profile.nid,
+                profileId = profile.profileId,
+                walletAccount = profile.walletAccount,
+                linkedAccounts = profile.linkedAccounts
+            )
+        )
+        AccountCache.saveFahipay(requireContext(), listOf(account))
+        val app = requireActivity().application as BasedBankApp
+        app.fahipaySession = session
+        app.fahipayAccounts = listOf(account)
+        app.accounts = app.accounts + listOf(account)
+        val intent = Intent(requireContext(), HomeActivity::class.java)
+        intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+        startActivity(intent)
+    }
+
     override fun onDestroyView() {
         super.onDestroyView()
         _binding = null

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

@@ -1,7 +1,9 @@
 package sh.sar.basedbank.ui.login
 
+import android.content.res.Configuration
 import android.os.Bundle
 import androidx.appcompat.app.AppCompatActivity
+import androidx.core.view.WindowCompat
 import sh.sar.basedbank.databinding.ActivityLoginBinding
 
 class LoginActivity : AppCompatActivity() {
@@ -10,7 +12,13 @@ class LoginActivity : AppCompatActivity() {
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+        WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityLoginBinding.inflate(layoutInflater)
         setContentView(binding.root)
+        val isLight = (resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_NO
+        WindowCompat.getInsetsController(window, window.decorView).apply {
+            isAppearanceLightStatusBars = isLight
+            isAppearanceLightNavigationBars = isLight
+        }
     }
 }

app/src/main/java/sh/sar/basedbank/ui/onboarding/OnboardingActivity.kt

@@ -3,10 +3,14 @@ package sh.sar.basedbank.ui.onboarding
 import android.content.Intent
 import android.content.SharedPreferences
 import android.os.Bundle
+import android.os.CountDownTimer
 import android.view.View
 import androidx.appcompat.app.AppCompatActivity
 import androidx.appcompat.app.AppCompatDelegate
 import androidx.core.os.LocaleListCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.viewpager2.widget.ViewPager2
 import com.google.android.material.tabs.TabLayoutMediator
 import sh.sar.basedbank.R
@@ -17,46 +21,68 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
 
     private lateinit var binding: ActivityOnboardingBinding
     private lateinit var prefs: SharedPreferences
+    private var countDownTimer: CountDownTimer? = null
 
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
+        WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityOnboardingBinding.inflate(layoutInflater)
         setContentView(binding.root)
+        val isLight = (resources.configuration.uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK) == android.content.res.Configuration.UI_MODE_NIGHT_NO
+        WindowCompat.getInsetsController(window, window.decorView).apply {
+            isAppearanceLightStatusBars = isLight
+            isAppearanceLightNavigationBars = isLight
+        }
         prefs = getSharedPreferences("prefs", MODE_PRIVATE)
+        val originalBottomPadding = binding.bottomBar.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.bottomBar) { view, insets ->
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            view.setPadding(view.paddingLeft, view.paddingTop, view.paddingRight, originalBottomPadding + navBar.bottom)
+            insets
+        }
 
         val adapter = OnboardingPagerAdapter(this)
         binding.viewPager.adapter = adapter
 
         TabLayoutMediator(binding.dotsIndicator, binding.viewPager) { _, _ -> }.attach()
-
-        // Pre-select language chip without triggering the listener
-        val savedLang = prefs.getString("language", null)
-        binding.languageChipGroup.setOnCheckedStateChangeListener(null)
-        when (savedLang) {
-            "en" -> binding.chipEnglish.isChecked = true
-            "dv" -> binding.chipDhivehi.isChecked = true
-        }
-        binding.languageChipGroup.setOnCheckedStateChangeListener { _, checkedIds ->
-            if (checkedIds.isNotEmpty()) {
-                selectLanguage(if (checkedIds[0] == R.id.chipEnglish) "en" else "dv")
+        // Disable tap-to-navigate on dots: touch listener must be on the individual
+        // tab views inside SlidingTabStrip (child 0), because they consume ACTION_DOWN
+        // before the TabLayout's own touch listener ever fires.
+        val tabStrip = binding.dotsIndicator.getChildAt(0) as? android.view.ViewGroup
+        tabStrip?.let {
+            for (i in 0 until it.childCount) {
+                it.getChildAt(i).setOnTouchListener { _, _ -> true }
             }
         }
 
+        // Pre-select language button without triggering the listener
+        val savedLang = prefs.getString("language", null)
+        binding.languageToggle.clearOnButtonCheckedListeners()
+        when (savedLang) {
+            "en" -> binding.btnLangEnglish.isChecked = true
+            "dv" -> binding.btnLangDhivehi.isChecked = true
+        }
+        binding.languageToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (isChecked) selectLanguage(if (checkedId == R.id.btnLangEnglish) "en" else "dv")
+        }
+
+        supportFragmentManager.setFragmentResultListener(OnboardingFragment.RESULT_SCROLLED_TO_BOTTOM, this) { _, _ ->
+            startGetStartedCountdown()
+        }
+
         binding.viewPager.registerOnPageChangeCallback(object : ViewPager2.OnPageChangeCallback() {
             override fun onPageSelected(position: Int) {
-                binding.languageChipGroup.visibility = if (position == 0) View.VISIBLE else View.GONE
-                // Block forward swipe on slide 1 until security is set up
-                if (position == 1) {
-                    binding.viewPager.isUserInputEnabled =
-                        prefs.getString("security_method", null) != null
-                } else {
-                    binding.viewPager.isUserInputEnabled = true
+                binding.languageSection.visibility = if (position == 0) View.VISIBLE else View.GONE
+                binding.viewPager.isUserInputEnabled = when {
+                    position > 2 -> false
+                    position == 1 -> prefs.getString("security_method", null) != null
+                    else -> true
                 }
                 updateButtons(position, adapter.itemCount)
             }
         })
 
-        binding.languageChipGroup.visibility = View.VISIBLE
+        binding.languageSection.visibility = View.VISIBLE
         updateButtons(0, adapter.itemCount)
 
         binding.btnNext.setOnClickListener {
@@ -71,10 +97,21 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
         }
     }
 
+    override fun onDestroy() {
+        super.onDestroy()
+        countDownTimer?.cancel()
+    }
+
     // Called by SecuritySetupFragment when setup is complete
     override fun onSecuritySetupComplete() {
         binding.viewPager.isUserInputEnabled = true
-        updateButtons(binding.viewPager.currentItem, binding.viewPager.adapter?.itemCount ?: 3)
+        updateButtons(binding.viewPager.currentItem, binding.viewPager.adapter?.itemCount ?: 4)
+    }
+
+    // Called by SecuritySetupFragment when user resets to reconfigure
+    override fun onSecuritySetupReset() {
+        binding.viewPager.isUserInputEnabled = false
+        updateButtons(binding.viewPager.currentItem, binding.viewPager.adapter?.itemCount ?: 4)
     }
 
     private fun selectLanguage(lang: String) {
@@ -83,23 +120,34 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
         updateButtons(binding.viewPager.currentItem, binding.viewPager.adapter?.itemCount ?: 3)
     }
 
+    private fun startGetStartedCountdown() {
+        binding.btnGetStarted.isEnabled = false
+        countDownTimer?.cancel()
+        countDownTimer = object : CountDownTimer(5000, 1000) {
+            override fun onTick(millisUntilFinished: Long) {
+                val seconds = (millisUntilFinished / 1000 + 1).toInt()
+                binding.btnGetStarted.text = "${getString(R.string.get_started)} ($seconds)"
+            }
+            override fun onFinish() {
+                binding.btnGetStarted.text = getString(R.string.get_started)
+                binding.btnGetStarted.isEnabled = true
+            }
+        }.start()
+    }
+
     private fun updateButtons(position: Int, count: Int) {
         val langSelected = prefs.getString("language", null) != null
         val securityDone = prefs.getString("security_method", null) != null
         val isLast = position == count - 1
 
         binding.btnGetStarted.visibility = if (isLast) View.VISIBLE else View.GONE
+        if (isLast) binding.btnGetStarted.isEnabled = false
 
-        // Hide Next on slide 1 until security is done (avoids a disabled-button-with-no-explanation)
-        binding.btnNext.visibility = when {
-            isLast -> View.GONE
-            position == 1 && !securityDone -> View.GONE
-            else -> View.VISIBLE
-        }
+        binding.btnNext.visibility = if (isLast) View.GONE else View.VISIBLE
         binding.btnNext.isEnabled = when (position) {
             0 -> langSelected
             1 -> securityDone
-            else -> true
+            else -> true  // position 2 (configure) has no gate
         }
     }
 }

app/src/main/java/sh/sar/basedbank/ui/onboarding/OnboardingConfigureFragment.kt

@@ -0,0 +1,100 @@
+package sh.sar.basedbank.ui.onboarding
+
+import android.content.Context
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.appcompat.app.AppCompatDelegate
+import androidx.biometric.BiometricManager
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentOnboardingConfigureBinding
+
+class OnboardingConfigureFragment : Fragment() {
+
+    private var _binding: FragmentOnboardingConfigureBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentOnboardingConfigureBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+
+        // Navigation — default Drawer
+        val isBottom = prefs.getBoolean("bottom_nav", false)
+        binding.navModeToggle.check(if (isBottom) R.id.btnNavBottom else R.id.btnNavDrawer)
+        binding.navModeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            prefs.edit().putBoolean("bottom_nav", checkedId == R.id.btnNavBottom).apply()
+        }
+
+        // Theme — default System
+        val savedTheme = prefs.getString("theme", "system")
+        binding.themeToggle.check(when (savedTheme) {
+            "light" -> R.id.btnThemeLight
+            "dark"  -> R.id.btnThemeDark
+            else    -> R.id.btnThemeSystem
+        })
+        binding.themeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
+            if (!isChecked) return@addOnButtonCheckedListener
+            val (key, mode) = when (checkedId) {
+                R.id.btnThemeLight -> "light" to AppCompatDelegate.MODE_NIGHT_NO
+                R.id.btnThemeDark  -> "dark"  to AppCompatDelegate.MODE_NIGHT_YES
+                else               -> "system" to AppCompatDelegate.MODE_NIGHT_FOLLOW_SYSTEM
+            }
+            prefs.edit().putString("theme", key).apply()
+            AppCompatDelegate.setDefaultNightMode(mode)
+        }
+
+        // Biometrics
+        val canUseBiometrics = BiometricManager.from(requireContext())
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+        if (canUseBiometrics) {
+            val unlockEnabled = prefs.getBoolean("biometrics_enabled", false)
+            binding.switchBiometrics.isChecked = unlockEnabled
+            binding.switchBiometricsTransfer.isChecked = prefs.getBoolean("biometrics_transfer_confirm", false)
+            binding.switchBiometricsTransfer.isEnabled = unlockEnabled
+
+            binding.switchBiometrics.setOnCheckedChangeListener { _, isChecked ->
+                prefs.edit().putBoolean("biometrics_enabled", isChecked).apply()
+                binding.switchBiometricsTransfer.isEnabled = isChecked
+                if (!isChecked) {
+                    binding.switchBiometricsTransfer.isChecked = false
+                    prefs.edit().putBoolean("biometrics_transfer_confirm", false).apply()
+                }
+            }
+
+            binding.switchBiometricsTransfer.setOnCheckedChangeListener { _, isChecked ->
+                prefs.edit().putBoolean("biometrics_transfer_confirm", isChecked).apply()
+            }
+        } else {
+            binding.tvBiometricsHint.visibility = View.VISIBLE
+            binding.switchBiometrics.isEnabled = false
+            binding.switchBiometricsTransfer.isEnabled = false
+        }
+
+        // Block screenshots — default on
+        val blockScreenshots = prefs.getBoolean("block_screenshots", true)
+        binding.switchBlockScreenshots.isChecked = blockScreenshots
+        applyFlagSecure(blockScreenshots)
+        binding.switchBlockScreenshots.setOnCheckedChangeListener { _, isChecked ->
+            prefs.edit().putBoolean("block_screenshots", isChecked).apply()
+            applyFlagSecure(isChecked)
+        }
+    }
+
+    private fun applyFlagSecure(enabled: Boolean) {
+        val win = activity?.window ?: return
+        if (enabled) win.addFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
+        else win.clearFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

app/src/main/java/sh/sar/basedbank/ui/onboarding/OnboardingFragment.kt

@@ -4,6 +4,8 @@ import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import android.view.ViewTreeObserver
+import android.widget.ScrollView
 import androidx.core.os.bundleOf
 import androidx.fragment.app.Fragment
 import sh.sar.basedbank.databinding.FragmentOnboardingSlideBinding
@@ -12,6 +14,7 @@ class OnboardingFragment : Fragment() {
 
     private var _binding: FragmentOnboardingSlideBinding? = null
     private val binding get() = _binding!!
+    private var scrolledToBottom = false
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentOnboardingSlideBinding.inflate(inflater, container, false)
@@ -19,17 +22,45 @@ class OnboardingFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        val title = requireArguments().getString(ARG_TITLE, "")
-        val desc = requireArguments().getString(ARG_DESC, "")
+        val titleRes = requireArguments().getInt(ARG_TITLE)
+        val descRes = requireArguments().getInt(ARG_DESC)
         val icon = requireArguments().getInt(ARG_ICON, 0)
         val isFirst = requireArguments().getBoolean(ARG_IS_FIRST, false)
+        val isLast = requireArguments().getBoolean(ARG_IS_LAST, false)
 
+        binding.icon.visibility = if (isLast) View.GONE else View.VISIBLE
         binding.icon.setImageResource(icon)
-        binding.title.text = title
-        binding.description.text = desc
+        binding.title.text = getString(titleRes)
+        binding.description.text = getString(descRes)
+        binding.description.gravity = if (isLast) android.view.Gravity.START else android.view.Gravity.CENTER
 
         // On the first slide, show the two placeholder cards for upcoming banks
         binding.placeholderCards.visibility = if (isFirst) View.VISIBLE else View.GONE
+
+        if (isLast) setupScrollToBottomDetection()
+    }
+
+    private fun setupScrollToBottomDetection() {
+        val scrollView = binding.scrollView
+        // If content fits without scrolling, fire immediately after layout
+        scrollView.viewTreeObserver.addOnGlobalLayoutListener(object : ViewTreeObserver.OnGlobalLayoutListener {
+            override fun onGlobalLayout() {
+                scrollView.viewTreeObserver.removeOnGlobalLayoutListener(this)
+                val child = scrollView.getChildAt(0) ?: return
+                if (child.height <= scrollView.height) notifyScrolledToBottom()
+            }
+        })
+        scrollView.setOnScrollChangeListener { v, _, scrollY, _, _ ->
+            val sv = v as ScrollView
+            val child = sv.getChildAt(0) ?: return@setOnScrollChangeListener
+            if (scrollY + sv.height >= child.height) notifyScrolledToBottom()
+        }
+    }
+
+    private fun notifyScrolledToBottom() {
+        if (scrolledToBottom) return
+        scrolledToBottom = true
+        parentFragmentManager.setFragmentResult(RESULT_SCROLLED_TO_BOTTOM, Bundle.EMPTY)
     }
 
     override fun onDestroyView() {
@@ -38,17 +69,20 @@ class OnboardingFragment : Fragment() {
     }
 
     companion object {
+        const val RESULT_SCROLLED_TO_BOTTOM = "scroll_to_bottom"
         private const val ARG_TITLE = "title"
         private const val ARG_DESC = "desc"
         private const val ARG_ICON = "icon"
         private const val ARG_IS_FIRST = "is_first"
+        private const val ARG_IS_LAST = "is_last"
 
         fun newInstance(slide: OnboardingSlide) = OnboardingFragment().apply {
             arguments = bundleOf(
-                ARG_TITLE to slide.title,
-                ARG_DESC to slide.description,
+                ARG_TITLE to slide.titleRes,
+                ARG_DESC to slide.descRes,
                 ARG_ICON to slide.iconRes,
-                ARG_IS_FIRST to slide.isFirst
+                ARG_IS_FIRST to slide.isFirst,
+                ARG_IS_LAST to slide.isLast
             )
         }
     }

app/src/main/java/sh/sar/basedbank/ui/onboarding/OnboardingPagerAdapter.kt

@@ -9,36 +9,39 @@ class OnboardingPagerAdapter(activity: FragmentActivity) : FragmentStateAdapter(
 
     private val slides = listOf(
         OnboardingSlide(
-            title = activity.getString(R.string.onboarding_title_1),
-            description = activity.getString(R.string.onboarding_desc_1),
+            titleRes = R.string.onboarding_title_1,
+            descRes = R.string.onboarding_desc_1,
             iconRes = R.drawable.ic_launcher_foreground,
             isFirst = true
         ),
         OnboardingSlide(
-            title = activity.getString(R.string.onboarding_title_2),
-            description = activity.getString(R.string.onboarding_desc_2),
+            titleRes = R.string.onboarding_title_2,
+            descRes = R.string.onboarding_desc_2,
             iconRes = R.drawable.ic_launcher_foreground,
             isFirst = false
         ),
         OnboardingSlide(
-            title = activity.getString(R.string.onboarding_title_3),
-            description = activity.getString(R.string.onboarding_desc_3),
+            titleRes = R.string.onboarding_title_3,
+            descRes = R.string.onboarding_desc_3,
             iconRes = R.drawable.ic_launcher_foreground,
-            isFirst = false
+            isFirst = false,
+            isLast = true
         )
     )
 
-    override fun getItemCount() = slides.size
+    override fun getItemCount() = slides.size + 1 // +1 for OnboardingConfigureFragment at position 2
 
     override fun createFragment(position: Int): Fragment = when (position) {
         1 -> SecuritySetupFragment()
-        else -> OnboardingFragment.newInstance(slides[position])
+        2 -> OnboardingConfigureFragment()
+        else -> OnboardingFragment.newInstance(slides[position - if (position > 2) 1 else 0])
     }
 }
 
 data class OnboardingSlide(
-    val title: String,
-    val description: String,
+    val titleRes: Int,
+    val descRes: Int,
     val iconRes: Int,
-    val isFirst: Boolean
+    val isFirst: Boolean,
+    val isLast: Boolean = false
 )

app/src/main/java/sh/sar/basedbank/ui/onboarding/PatternView.kt

@@ -86,17 +86,21 @@ class PatternView @JvmOverloads constructor(
         if (errorState) return false
         when (event.action) {
             MotionEvent.ACTION_DOWN -> {
+                parent?.requestDisallowInterceptTouchEvent(true)
                 recording = true; selected.clear()
                 hit(event.x, event.y)
             }
             MotionEvent.ACTION_MOVE -> {
+                parent?.requestDisallowInterceptTouchEvent(true)
                 touchX = event.x; touchY = event.y
                 hit(event.x, event.y)
             }
-            MotionEvent.ACTION_UP -> {
+            MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+                parent?.requestDisallowInterceptTouchEvent(false)
                 recording = false
                 invalidate()
-                onPatternComplete?.invoke(selected.map { it.index })
+                if (event.action == MotionEvent.ACTION_UP)
+                    onPatternComplete?.invoke(selected.map { it.index })
             }
         }
         invalidate()

app/src/main/java/sh/sar/basedbank/ui/onboarding/SecuritySetupFragment.kt

@@ -7,18 +7,20 @@ import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.LinearLayout
-import androidx.biometric.BiometricManager
 import androidx.fragment.app.Fragment
 import com.google.android.material.button.MaterialButton
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentSecuritySetupBinding
-import java.security.MessageDigest
+import sh.sar.basedbank.util.CredentialStore
 import java.security.SecureRandom
+import javax.crypto.SecretKeyFactory
+import javax.crypto.spec.PBEKeySpec
 
 class SecuritySetupFragment : Fragment() {
 
     interface Callback {
         fun onSecuritySetupComplete()
+        fun onSecuritySetupReset()
     }
 
     companion object {
@@ -31,7 +33,7 @@ class SecuritySetupFragment : Fragment() {
     private var _b: FragmentSecuritySetupBinding? = null
     private val b get() = _b!!
 
-    private enum class Step { CHOOSE, PIN_ENTER, PIN_CONFIRM, PATTERN_ENTER, PATTERN_CONFIRM, BIOMETRIC }
+    private enum class Step { CONFIGURED, CHOOSE, PIN_ENTER, PIN_CONFIRM, PATTERN_ENTER, PATTERN_CONFIRM }
 
     private var step = Step.CHOOSE
     private val pinDigits = mutableListOf<Int>()
@@ -46,9 +48,6 @@ class SecuritySetupFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
         val changeMode = arguments?.getBoolean(ARG_CHANGE_MODE, false) ?: false
-        if (!changeMode && prefs.getString("security_method", null) != null) {
-            (activity as? Callback)?.onSecuritySetupComplete()
-        }
 
         b.cardPin.setOnClickListener { goTo(Step.PIN_ENTER) }
         b.cardPattern.setOnClickListener { goTo(Step.PATTERN_ENTER) }
@@ -60,20 +59,21 @@ class SecuritySetupFragment : Fragment() {
             }
         }
         b.btnPatternBack.setOnClickListener { goTo(Step.CHOOSE) }
+        b.btnChangeLock.setOnClickListener {
+            prefs.edit().remove("security_method").apply()
+            (activity as? Callback)?.onSecuritySetupReset()
+            goTo(Step.CHOOSE)
+        }
 
         b.patternView.onPatternComplete = { pattern -> handlePattern(pattern) }
 
-        b.btnEnableBiometrics.setOnClickListener {
-            prefs.edit().putBoolean("biometrics_enabled", true).apply()
-            finishSetup()
-        }
-        b.btnSkipBiometrics.setOnClickListener {
-            prefs.edit().putBoolean("biometrics_enabled", false).apply()
-            finishSetup()
-        }
-
         buildNumpad()
-        goTo(Step.CHOOSE)
+
+        if (!changeMode && prefs.getString("security_method", null) != null) {
+            goTo(Step.CONFIGURED)
+        } else {
+            goTo(Step.CHOOSE)
+        }
     }
 
     private fun buildNumpad() {
@@ -142,7 +142,7 @@ class SecuritySetupFragment : Fragment() {
             Step.PIN_CONFIRM -> {
                 if (entered == firstPin) {
                     saveCredential("pin", entered)
-                    goToBiometricOrFinish()
+                    finishSetup()
                 } else {
                     b.tvPinDots.text = getString(R.string.pin_no_match)
                     pinDigits.clear()
@@ -170,7 +170,7 @@ class SecuritySetupFragment : Fragment() {
             Step.PATTERN_CONFIRM -> {
                 if (pattern == firstPattern) {
                     saveCredential("pattern", pattern.joinToString(""))
-                    goToBiometricOrFinish()
+                    finishSetup()
                 } else {
                     b.patternView.showError()
                     b.tvPatternStatus.text = getString(R.string.pattern_no_match)
@@ -185,29 +185,12 @@ class SecuritySetupFragment : Fragment() {
         }
     }
 
-    private fun goToBiometricOrFinish() {
-        // In change mode, biometrics is managed from Settings — skip this step
-        if (arguments?.getBoolean(ARG_CHANGE_MODE, false) == true) {
-            finishSetup()
-            return
-        }
-        val canAuth = BiometricManager.from(requireContext())
-            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK)
-        if (canAuth == BiometricManager.BIOMETRIC_SUCCESS) {
-            goTo(Step.BIOMETRIC)
-        } else {
-            requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-                .edit().putBoolean("biometrics_enabled", false).apply()
-            finishSetup()
-        }
-    }
-
     private fun goTo(s: Step) {
         step = s
+        b.viewConfigured.visibility = if (s == Step.CONFIGURED) View.VISIBLE else View.GONE
         b.viewChooseMethod.visibility = if (s == Step.CHOOSE) View.VISIBLE else View.GONE
         b.viewPinSetup.visibility = if (s == Step.PIN_ENTER || s == Step.PIN_CONFIRM) View.VISIBLE else View.GONE
         b.viewPatternSetup.visibility = if (s == Step.PATTERN_ENTER || s == Step.PATTERN_CONFIRM) View.VISIBLE else View.GONE
-        b.viewBiometric.visibility = if (s == Step.BIOMETRIC) View.VISIBLE else View.GONE
 
         when (s) {
             Step.PIN_ENTER -> {
@@ -231,20 +214,27 @@ class SecuritySetupFragment : Fragment() {
     private fun saveCredential(method: String, input: String) {
         val salt = ByteArray(16).also { SecureRandom().nextBytes(it) }
         val saltB64 = Base64.encodeToString(salt, Base64.NO_WRAP)
-        val hash = sha256(saltB64 + input)
+        val hash = pbkdf2(input, salt)
         requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).edit()
             .putString("security_method", method)
-            .putString("security_salt", saltB64)
-            .putString("security_hash", hash)
             .apply()
+        CredentialStore(requireContext()).saveSecurityHash(saltB64, hash)
     }
 
-    private fun sha256(input: String) = MessageDigest.getInstance("SHA-256")
-        .digest(input.toByteArray()).joinToString("") { "%02x".format(it) }
+    private fun pbkdf2(input: String, salt: ByteArray): String {
+        val spec = PBEKeySpec(input.toCharArray(), salt, 100_000, 256)
+        return try {
+            val hash = SecretKeyFactory.getInstance("PBKDF2WithHmacSHA256").generateSecret(spec).encoded
+            Base64.encodeToString(hash, Base64.NO_WRAP)
+        } finally {
+            spec.clearPassword()
+        }
+    }
 
     private fun finishSetup() {
         val cb = activity as? Callback
         if (cb != null) {
+            goTo(Step.CONFIGURED)
             cb.onSecuritySetupComplete()
         } else {
             parentFragmentManager.popBackStack()

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

@@ -9,7 +9,9 @@ object AccountCache {
 
     private const val PREFS = "account_cache"
     private const val KEY_MIB = "mib_accounts"
-    private const val KEY_BML = "bml_accounts"
+    private const val KEY_FAHIPAY = "fahipay_accounts"
+
+    private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
 
     fun save(context: Context, accounts: List<MibAccount>) {
         val arr = JSONArray()
@@ -32,10 +34,10 @@ object AccountCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY_MIB, arr.toString()).apply()
+            .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun saveBml(context: Context, accounts: List<MibAccount>) {
+    fun saveBml(context: Context, loginId: String, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -55,14 +57,14 @@ object AccountCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY_BML, arr.toString()).apply()
+            .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context): List<MibAccount> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .getString(KEY_BML, null) ?: return emptyList()
+    fun loadBml(context: Context, loginId: String): List<MibAccount> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
-            val arr = JSONArray(json)
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibAccount(
@@ -82,7 +84,60 @@ object AccountCache {
                     internalId = o.optString("internalId", "")
                 )
             }
-        } catch (e: Exception) { emptyList() }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadBml(context: Context, loginIds: List<String>): List<MibAccount> =
+        loginIds.flatMap { loadBml(context, it) }
+
+    fun saveFahipay(context: Context, accounts: List<MibAccount>) {
+        val arr = JSONArray()
+        for (acc in accounts) {
+            arr.put(JSONObject().apply {
+                put("profileName", acc.profileName)
+                put("profileType", acc.profileType)
+                put("accountNumber", acc.accountNumber)
+                put("accountBriefName", acc.accountBriefName)
+                put("currencyName", acc.currencyName)
+                put("accountTypeName", acc.accountTypeName)
+                put("availableBalance", acc.availableBalance)
+                put("currentBalance", acc.currentBalance)
+                put("blockedAmount", acc.blockedAmount)
+                put("mvrBalance", acc.mvrBalance)
+                put("statusDesc", acc.statusDesc)
+                put("loginTag", acc.loginTag)
+                put("internalId", acc.internalId)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(KEY_FAHIPAY, CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadFahipay(context: Context): List<MibAccount> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(KEY_FAHIPAY, null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                MibAccount(
+                    profileName = o.optString("profileName"),
+                    profileType = o.optString("profileType"),
+                    accountNumber = o.optString("accountNumber"),
+                    accountBriefName = o.optString("accountBriefName"),
+                    currencyName = o.optString("currencyName"),
+                    accountTypeName = o.optString("accountTypeName"),
+                    availableBalance = o.optString("availableBalance"),
+                    currentBalance = o.optString("currentBalance"),
+                    blockedAmount = o.optString("blockedAmount"),
+                    mvrBalance = o.optString("mvrBalance"),
+                    statusDesc = o.optString("statusDesc"),
+                    profileImageHash = null,
+                    loginTag = o.optString("loginTag"),
+                    internalId = o.optString("internalId", "")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
     }
 
     fun clear(context: Context) {
@@ -90,9 +145,10 @@ object AccountCache {
     }
 
     fun load(context: Context): List<MibAccount> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_MIB, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)

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

@@ -0,0 +1,40 @@
+package sh.sar.basedbank.util
+
+object AccountInputParser {
+
+    enum class InputType {
+        MIB_ACCOUNT,  // 17 digits starting with 9
+        BML_ACCOUNT,  // 13 digits starting with 7
+        PHONE,        // 7 digits starting with 7 or 9
+        NATIONAL_ID,  // A followed by 6 digits
+        EMAIL,
+        UNKNOWN
+    }
+
+    /**
+     * Strip spaces and remove a 960/+960 country code prefix, but only when
+     * the stripped result is exactly 7 digits (so "9603456" is left intact).
+     */
+    fun normalize(input: String): String {
+        var s = input.replace(" ", "")
+        val stripped = when {
+            s.startsWith("+960") -> s.removePrefix("+960")
+            s.startsWith("960")  -> s.removePrefix("960")
+            else                 -> null
+        }
+        if (stripped != null && stripped.matches(Regex("^\\d{7}$"))) s = stripped
+        return s
+    }
+
+    fun detect(input: String): InputType {
+        val s = input.trim()
+        return when {
+            s.matches(Regex("^9\\d{16}$"))   -> InputType.MIB_ACCOUNT
+            s.matches(Regex("^7\\d{12}$"))   -> InputType.BML_ACCOUNT
+            s.matches(Regex("^[79]\\d{6}$")) -> InputType.PHONE
+            s.matches(Regex("^[Aa]\\d{6}$")) -> InputType.NATIONAL_ID
+            s.contains("@")                  -> InputType.EMAIL
+            else                             -> InputType.UNKNOWN
+        }
+    }
+}

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

@@ -0,0 +1,28 @@
+package sh.sar.basedbank.util
+
+object BmlDashboardParser {
+
+    /**
+     * Returns a display-ready product label for a BML dashboard account or card.
+     * Known BML product names are mapped to short friendly labels.
+     * Everything else is title-cased (first letter of each word capitalised).
+     */
+    fun productLabel(raw: String): String {
+        val u = raw.trim().uppercase()
+        return when {
+            u == "SAVINGS ACCOUNT"                       -> "Savings"
+            u == "CURRENT ACCOUNT" ||
+            u == "CURRENT ACCOUNT(PERSONAL)" ||
+            u == "CURRENT ACCOUNT(BUSINESS)"             -> "Current"
+            u == "WADIAH RETAIL CURRENT ACCOUNT" ||
+            u == "WADIAH BUSINESS CURRENT ACCOUNT"       -> "Islamic Current"
+            u == "BML ISLAMIC SAVINGS ACCOUNT"           -> "Islamic Savings"
+            else                                         -> toTitleCase(raw)
+        }
+    }
+
+    fun toTitleCase(input: String): String =
+        input.trim().lowercase().split(" ").joinToString(" ") { word ->
+            word.replaceFirstChar { it.uppercaseChar() }
+        }
+}

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

@@ -0,0 +1,55 @@
+package sh.sar.basedbank.util
+
+import android.security.keystore.KeyGenParameterSpec
+import android.security.keystore.KeyProperties
+import android.util.Base64
+import java.security.KeyStore
+import javax.crypto.Cipher
+import javax.crypto.KeyGenerator
+import javax.crypto.SecretKey
+import javax.crypto.spec.GCMParameterSpec
+
+/**
+ * Shared AES-256/GCM encryption for cache SharedPreferences and files.
+ * Uses the same AndroidKeyStore key as CredentialStore so no extra key material is created.
+ */
+internal object CacheEncryption {
+
+    private const val KEY_ALIAS = "basedbank_credential_key"
+    private const val TRANSFORMATION = "AES/GCM/NoPadding"
+
+    fun encrypt(plaintext: String): String {
+        val cipher = Cipher.getInstance(TRANSFORMATION)
+        cipher.init(Cipher.ENCRYPT_MODE, getOrCreateKey())
+        val iv = cipher.iv
+        val ct = cipher.doFinal(plaintext.toByteArray(Charsets.UTF_8))
+        return Base64.encodeToString(iv, Base64.NO_WRAP) + ":" + Base64.encodeToString(ct, Base64.NO_WRAP)
+    }
+
+    fun decrypt(encoded: String): String {
+        val colon = encoded.indexOf(':')
+        val iv = Base64.decode(encoded.substring(0, colon), Base64.NO_WRAP)
+        val ct = Base64.decode(encoded.substring(colon + 1), Base64.NO_WRAP)
+        val cipher = Cipher.getInstance(TRANSFORMATION)
+        cipher.init(Cipher.DECRYPT_MODE, getOrCreateKey(), GCMParameterSpec(128, iv))
+        return String(cipher.doFinal(ct), Charsets.UTF_8)
+    }
+
+    private fun getOrCreateKey(): SecretKey {
+        val ks = KeyStore.getInstance("AndroidKeyStore").also { it.load(null) }
+        ks.getKey(KEY_ALIAS, null)?.let { return it as SecretKey }
+
+        val spec = KeyGenParameterSpec.Builder(
+            KEY_ALIAS,
+            KeyProperties.PURPOSE_ENCRYPT or KeyProperties.PURPOSE_DECRYPT
+        )
+            .setBlockModes(KeyProperties.BLOCK_MODE_GCM)
+            .setEncryptionPaddings(KeyProperties.ENCRYPTION_PADDING_NONE)
+            .setKeySize(256)
+            .build()
+
+        return KeyGenerator.getInstance(KeyProperties.KEY_ALGORITHM_AES, "AndroidKeyStore")
+            .also { it.init(spec) }
+            .generateKey()
+    }
+}

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

@@ -37,7 +37,7 @@ object ContactsCache {
                 put("profileId", c.profileId)
             })
         }
-        prefs.putString(KEY_CONTACTS, contactsArr.toString())
+        prefs.putString(KEY_CONTACTS, CacheEncryption.encrypt(contactsArr.toString()))
 
         val catArr = JSONArray()
         for (cat in categories) {
@@ -47,7 +47,7 @@ object ContactsCache {
                 put("numBenef", cat.numBenef)
             })
         }
-        prefs.putString(KEY_CATEGORIES, catArr.toString())
+        prefs.putString(KEY_CATEGORIES, CacheEncryption.encrypt(catArr.toString()))
         prefs.apply()
     }
 
@@ -56,9 +56,10 @@ object ContactsCache {
     }
 
     fun loadContacts(context: Context): List<MibBeneficiary> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_CONTACTS, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
@@ -83,7 +84,9 @@ object ContactsCache {
         }
     }
 
-    fun saveBml(context: Context, contacts: List<MibBeneficiary>) {
+    private fun bmlKey(loginId: String) = "bml_contacts_$loginId"
+
+    fun saveBml(context: Context, loginId: String, contacts: List<MibBeneficiary>) {
         val arr = JSONArray()
         for (c in contacts) {
             arr.put(JSONObject().apply {
@@ -98,17 +101,18 @@ object ContactsCache {
                 put("benefStatus", c.benefStatus)
                 put("transferCyDesc", c.transferCyDesc)
                 put("benefCategoryId", c.benefCategoryId)
+                put("profileId", c.profileId)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString("bml_contacts", arr.toString()).apply()
+            .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context): List<MibBeneficiary> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .getString("bml_contacts", null) ?: return emptyList()
+    fun loadBml(context: Context, loginId: String): List<MibBeneficiary> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
-            val arr = JSONArray(json)
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibBeneficiary(
@@ -123,16 +127,81 @@ object ContactsCache {
                     benefStatus = o.optString("benefStatus"),
                     transferCyDesc = o.optString("transferCyDesc", "MVR"),
                     customerImgHash = null,
-                    benefCategoryId = o.optString("benefCategoryId", "BML")
+                    benefCategoryId = o.optString("benefCategoryId", "BML"),
+                    profileId = o.optString("profileId", "")
                 )
             }
-        } catch (e: Exception) { emptyList() }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadBml(context: Context, loginIds: List<String>): List<MibBeneficiary> =
+        loginIds.flatMap { loadBml(context, it) }
+
+    fun saveFahipay(context: Context, contacts: List<MibBeneficiary>, categories: List<MibBeneficiaryCategory>) {
+        val prefs = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit()
+        val arr = JSONArray()
+        for (c in contacts) arr.put(JSONObject().apply {
+            put("benefNo", c.benefNo)
+            put("benefNickName", c.benefNickName)
+            put("benefAccount", c.benefAccount)
+            put("bankColor", c.bankColor)
+            put("benefBankName", c.benefBankName)
+            put("benefCategoryId", c.benefCategoryId)
+        })
+        prefs.putString("fahipay_contacts", CacheEncryption.encrypt(arr.toString()))
+        val catArr = JSONArray()
+        for (cat in categories) catArr.put(JSONObject().apply {
+            put("id", cat.id)
+            put("categoryName", cat.categoryName)
+            put("numBenef", cat.numBenef)
+        })
+        prefs.putString("fahipay_categories", CacheEncryption.encrypt(catArr.toString()))
+        prefs.apply()
+    }
+
+    fun loadFahipay(context: Context): List<MibBeneficiary> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString("fahipay_contacts", null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                MibBeneficiary(
+                    benefNo = o.optString("benefNo"),
+                    benefName = "",
+                    benefNickName = o.optString("benefNickName"),
+                    benefAccount = o.optString("benefAccount"),
+                    benefType = "FAHIPAY",
+                    bankColor = o.optString("bankColor", "#FF6B00"),
+                    benefBankName = o.optString("benefBankName"),
+                    bankCode = "",
+                    benefStatus = "",
+                    transferCyDesc = "",
+                    customerImgHash = null,
+                    benefCategoryId = o.optString("benefCategoryId"),
+                    profileId = ""
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadFahipayCategories(context: Context): List<MibBeneficiaryCategory> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString("fahipay_categories", null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                MibBeneficiaryCategory(o.optString("id"), o.optString("categoryName"), o.optInt("numBenef"))
+            }
+        } catch (_: Exception) { emptyList() }
     }
 
     fun loadCategories(context: Context): List<MibBeneficiaryCategory> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_CATEGORIES, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)

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

@@ -4,6 +4,7 @@ import android.content.Context
 import android.security.keystore.KeyGenParameterSpec
 import android.security.keystore.KeyProperties
 import android.util.Base64
+import org.json.JSONObject
 import java.security.KeyStore
 import javax.crypto.Cipher
 import javax.crypto.KeyGenerator
@@ -18,9 +19,12 @@ class CredentialStore(context: Context) {
 
     data class MibCredentials(val username: String, val passwordHash: String, val otpSeed: String)
     data class BmlCredentials(val username: String, val password: String, val otpSeed: String)
+    data class FahipayCredentials(val idCard: String, val password: String)
+
+    // ── MIB login credentials ─────────────────────────────────────────────────
 
     fun hasMibCredentials(): Boolean = prefs.contains("mib_enc_username")
-    fun hasBmlCredentials(): Boolean = prefs.contains("bml_enc_username")
+    fun hasFahipayCredentials(): Boolean = prefs.contains("fahipay_enc_id_card")
 
     fun saveMibCredentials(username: String, passwordHash: String, otpSeed: String) {
         val key = getOrCreateKey()
@@ -42,9 +46,7 @@ class CredentialStore(context: Context) {
                 decrypt(encHash, key),
                 decrypt(encSeed, key)
             )
-        } catch (e: Exception) {
-            null
-        }
+        } catch (_: Exception) { null }
     }
 
     fun clearMibCredentials() {
@@ -52,60 +54,264 @@ class CredentialStore(context: Context) {
             .remove("mib_enc_username")
             .remove("mib_enc_password_hash")
             .remove("mib_enc_otp_seed")
+            .remove("mib_enc_key1")
+            .remove("mib_enc_key2")
+            .remove("mib_enc_app_id")
             .apply()
     }
 
-    fun saveBmlCredentials(username: String, password: String, otpSeed: String) {
+    // ── MIB session keys (key1/key2) and app ID ───────────────────────────────
+
+    fun saveMibKeys(key1: String, key2: String) {
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("bml_enc_username", encrypt(username, key))
-            .putString("bml_enc_password", encrypt(password, key))
-            .putString("bml_enc_otp_seed", encrypt(otpSeed, key))
+            .putString("mib_enc_key1", encrypt(key1, key))
+            .putString("mib_enc_key2", encrypt(key2, key))
             .apply()
     }
 
-    fun loadBmlCredentials(): BmlCredentials? {
+    fun loadMibKeys(): Pair<String, String>? {
         val key = getOrCreateKey()
-        val encUsername = prefs.getString("bml_enc_username", null) ?: return null
-        val encPassword = prefs.getString("bml_enc_password", null) ?: return null
-        val encSeed = prefs.getString("bml_enc_otp_seed", null) ?: return null
+        val encKey1 = prefs.getString("mib_enc_key1", null) ?: return null
+        val encKey2 = prefs.getString("mib_enc_key2", null) ?: return null
+        return try {
+            Pair(decrypt(encKey1, key), decrypt(encKey2, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun saveMibAppId(id: String) {
+        val key = getOrCreateKey()
+        prefs.edit().putString("mib_enc_app_id", encrypt(id, key)).apply()
+    }
+
+    fun loadMibAppId(): String? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mib_enc_app_id", null) ?: return null
+        return try { decrypt(enc, key) } catch (_: Exception) { null }
+    }
+
+    // ── BML login credentials (multi-login, keyed by loginId = username) ────────
+
+    fun getBmlLoginIds(): List<String> {
+        val json = prefs.getString("bml_login_ids", null) ?: return emptyList()
+        return try {
+            val arr = org.json.JSONArray(json)
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun hasBmlCredentials(): Boolean = getBmlLoginIds().isNotEmpty()
+
+    private fun addBmlLoginId(loginId: String) {
+        val ids = getBmlLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("bml_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeBmlLoginId(loginId: String) {
+        val ids = getBmlLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("bml_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveBmlCredentials(loginId: String, username: String, password: String, otpSeed: String) {
+        addBmlLoginId(loginId)
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("bml_${loginId}_enc_username", encrypt(username, key))
+            .putString("bml_${loginId}_enc_password", encrypt(password, key))
+            .putString("bml_${loginId}_enc_otp_seed", encrypt(otpSeed, key))
+            .apply()
+    }
+
+    fun loadBmlCredentials(loginId: String): BmlCredentials? {
+        val key = getOrCreateKey()
+        val encUsername = prefs.getString("bml_${loginId}_enc_username", null) ?: return null
+        val encPassword = prefs.getString("bml_${loginId}_enc_password", null) ?: return null
+        val encSeed    = prefs.getString("bml_${loginId}_enc_otp_seed", null) ?: return null
         return try {
             BmlCredentials(decrypt(encUsername, key), decrypt(encPassword, key), decrypt(encSeed, key))
-        } catch (e: Exception) { null }
+        } catch (_: Exception) { null }
     }
 
-    fun clearBmlCredentials() {
+    fun clearBmlCredentials(loginId: String) {
+        removeBmlLoginId(loginId)
         prefs.edit()
-            .remove("bml_enc_username")
-            .remove("bml_enc_password")
-            .remove("bml_enc_otp_seed")
+            .remove("bml_${loginId}_enc_username")
+            .remove("bml_${loginId}_enc_password")
+            .remove("bml_${loginId}_enc_otp_seed")
             .apply()
     }
 
-    fun saveBmlSession(accessToken: String, deviceId: String) {
+    // ── BML session token (per loginId) ───────────────────────────────────────
+
+    fun saveBmlSession(loginId: String, accessToken: String, deviceId: String) {
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("bml_enc_token", encrypt(accessToken, key))
-            .putString("bml_enc_device_id", encrypt(deviceId, key))
+            .putString("bml_${loginId}_enc_token", encrypt(accessToken, key))
+            .putString("bml_${loginId}_enc_device_id", encrypt(deviceId, key))
             .apply()
     }
 
-    fun loadBmlSession(): Pair<String, String>? {
+    fun loadBmlSession(loginId: String): Pair<String, String>? {
         val key = getOrCreateKey()
-        val encToken = prefs.getString("bml_enc_token", null) ?: return null
-        val encDeviceId = prefs.getString("bml_enc_device_id", null) ?: return null
+        val encToken    = prefs.getString("bml_${loginId}_enc_token", null) ?: return null
+        val encDeviceId = prefs.getString("bml_${loginId}_enc_device_id", null) ?: return null
         return try {
             Pair(decrypt(encToken, key), decrypt(encDeviceId, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearBmlSession() {
+    fun clearBmlSession(loginId: String) {
         prefs.edit()
-            .remove("bml_enc_token")
-            .remove("bml_enc_device_id")
+            .remove("bml_${loginId}_enc_token")
+            .remove("bml_${loginId}_enc_device_id")
             .apply()
     }
 
+    // ── Fahipay login credentials ─────────────────────────────────────────────
+
+    fun saveFahipayCredentials(idCard: String, password: String) {
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("fahipay_enc_id_card", encrypt(idCard, key))
+            .putString("fahipay_enc_password", encrypt(password, key))
+            .apply()
+    }
+
+    fun loadFahipayCredentials(): FahipayCredentials? {
+        val key = getOrCreateKey()
+        val encId = prefs.getString("fahipay_enc_id_card", null) ?: return null
+        val encPw = prefs.getString("fahipay_enc_password", null) ?: return null
+        return try {
+            FahipayCredentials(decrypt(encId, key), decrypt(encPw, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearFahipayCredentials() {
+        prefs.edit()
+            .remove("fahipay_enc_id_card")
+            .remove("fahipay_enc_password")
+            .apply()
+    }
+
+    // ── Fahipay session (authId + __Secure-sess cookie) ───────────────────────
+
+    fun saveFahipaySession(authId: String, sessionCookie: String) {
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("fahipay_enc_auth_id", encrypt(authId, key))
+            .putString("fahipay_enc_session_cookie", encrypt(sessionCookie, key))
+            .apply()
+    }
+
+    fun loadFahipaySession(): Pair<String, String>? {
+        val key = getOrCreateKey()
+        val encAuth = prefs.getString("fahipay_enc_auth_id", null) ?: return null
+        val encCookie = prefs.getString("fahipay_enc_session_cookie", null) ?: return null
+        return try {
+            Pair(decrypt(encAuth, key), decrypt(encCookie, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearFahipaySession() {
+        prefs.edit()
+            .remove("fahipay_enc_auth_id")
+            .remove("fahipay_enc_session_cookie")
+            .apply()
+    }
+
+    // ── Fahipay device UUID (generated once, shared across all Fahipay accounts) ─
+
+    fun getOrCreateFahipayDeviceUuid(): String {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("fahipay_enc_device_uuid", null)
+        if (enc != null) {
+            try { return decrypt(enc, key) } catch (_: Exception) {}
+        }
+        val uuid = sh.sar.basedbank.api.fahipay.FahipayLoginFlow.generateDeviceUuid()
+        prefs.edit().putString("fahipay_enc_device_uuid", encrypt(uuid, key)).apply()
+        return uuid
+    }
+
+    // ── Fahipay user profile ──────────────────────────────────────────────────
+
+    data class FahipayUserProfile(
+        val fullName: String,
+        val email: String,
+        val mobile: String,
+        val nid: String,
+        val profileId: String,
+        val walletAccount: String,
+        val linkedAccounts: String
+    )
+
+    fun saveFahipayUserProfile(p: FahipayUserProfile) {
+        val json = org.json.JSONObject().apply {
+            put("fullName", p.fullName)
+            put("email", p.email)
+            put("mobile", p.mobile)
+            put("nid", p.nid)
+            put("profileId", p.profileId)
+            put("walletAccount", p.walletAccount)
+            put("linkedAccounts", p.linkedAccounts)
+        }.toString()
+        val key = getOrCreateKey()
+        prefs.edit().putString("fahipay_enc_profile", encrypt(json, key)).apply()
+    }
+
+    fun loadFahipayUserProfile(): FahipayUserProfile? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("fahipay_enc_profile", null) ?: return null
+        return try {
+            val o = org.json.JSONObject(decrypt(enc, key))
+            FahipayUserProfile(
+                fullName = o.optString("fullName"),
+                email = o.optString("email"),
+                mobile = o.optString("mobile"),
+                nid = o.optString("nid"),
+                profileId = o.optString("profileId"),
+                walletAccount = o.optString("walletAccount"),
+                linkedAccounts = o.optString("linkedAccounts", "{}")
+            )
+        } catch (_: Exception) { null }
+    }
+
+    // ── Security credential (PIN / pattern hash) ──────────────────────────────
+
+    /**
+     * Stores the PBKDF2-derived hash and its salt, encrypted with the AndroidKeyStore key.
+     * The lock method ("pin"/"pattern") remains in the app's "prefs" SharedPreferences and
+     * is not stored here.
+     */
+    fun saveSecurityHash(salt: String, hash: String) {
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("security_enc_salt", encrypt(salt, key))
+            .putString("security_enc_hash", encrypt(hash, key))
+            .apply()
+    }
+
+    fun loadSecurityHash(): Pair<String, String>? {
+        val key = getOrCreateKey()
+        val encSalt = prefs.getString("security_enc_salt", null) ?: return null
+        val encHash = prefs.getString("security_enc_hash", null) ?: return null
+        return try {
+            Pair(decrypt(encSalt, key), decrypt(encHash, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearSecurityHash() {
+        prefs.edit()
+            .remove("security_enc_salt")
+            .remove("security_enc_hash")
+            .apply()
+    }
+
+    // ── User profile (PII) ────────────────────────────────────────────────────
+
     data class MibUserProfile(
         val fullName: String,
         val username: String,
@@ -123,54 +329,78 @@ class CredentialStore(context: Context) {
         val birthdate: String
     )
 
-    fun saveMibFullName(name: String) = prefs.edit().putString("mib_full_name", name).apply()
-    fun loadMibFullName(): String? = prefs.getString("mib_full_name", null)
+    fun saveMibFullName(name: String) {
+        val key = getOrCreateKey()
+        prefs.edit().putString("mib_enc_full_name", encrypt(name, key)).apply()
+    }
+
+    fun loadMibFullName(): String? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mib_enc_full_name", null) ?: return null
+        return try { decrypt(enc, key) } catch (_: Exception) { null }
+    }
 
-    fun saveBmlFullName(name: String) = prefs.edit().putString("bml_full_name", name).apply()
-    fun loadBmlFullName(): String? = prefs.getString("bml_full_name", null)
 
     fun saveMibUserProfile(p: MibUserProfile) {
-        prefs.edit().putString("mib_full_name", p.fullName)
-            .putString("mib_profile_username", p.username)
-            .putString("mib_profile_email", p.email)
-            .putString("mib_profile_mobile", p.mobile)
-            .putString("mib_profile_enrolled", p.enrolled)
-            .apply()
+        val json = JSONObject().apply {
+            put("fullName", p.fullName)
+            put("username", p.username)
+            put("email", p.email)
+            put("mobile", p.mobile)
+            put("enrolled", p.enrolled)
+        }.toString()
+        val key = getOrCreateKey()
+        prefs.edit().putString("mib_enc_profile", encrypt(json, key)).apply()
+        // Keep the name in sync with the fast-path field
+        prefs.edit().putString("mib_enc_full_name", encrypt(p.fullName, key)).apply()
     }
 
     fun loadMibUserProfile(): MibUserProfile? {
-        val name = prefs.getString("mib_full_name", null) ?: return null
-        return MibUserProfile(
-            fullName = name,
-            username = prefs.getString("mib_profile_username", "") ?: "",
-            email = prefs.getString("mib_profile_email", "") ?: "",
-            mobile = prefs.getString("mib_profile_mobile", "") ?: "",
-            enrolled = prefs.getString("mib_profile_enrolled", "") ?: ""
-        )
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mib_enc_profile", null) ?: return null
+        return try {
+            val o = JSONObject(decrypt(enc, key))
+            MibUserProfile(
+                fullName = o.optString("fullName"),
+                username = o.optString("username"),
+                email = o.optString("email"),
+                mobile = o.optString("mobile"),
+                enrolled = o.optString("enrolled")
+            )
+        } catch (_: Exception) { null }
     }
 
-    fun saveBmlUserProfile(p: BmlUserProfile) {
-        prefs.edit().putString("bml_full_name", p.fullName)
-            .putString("bml_profile_email", p.email)
-            .putString("bml_profile_mobile", p.mobile)
-            .putString("bml_profile_customer_id", p.customerId)
-            .putString("bml_profile_idcard", p.idCard)
-            .putString("bml_profile_birthdate", p.birthdate)
-            .apply()
+    fun saveBmlUserProfile(loginId: String, p: BmlUserProfile) {
+        val json = JSONObject().apply {
+            put("fullName", p.fullName)
+            put("email", p.email)
+            put("mobile", p.mobile)
+            put("customerId", p.customerId)
+            put("idCard", p.idCard)
+            put("birthdate", p.birthdate)
+        }.toString()
+        val key = getOrCreateKey()
+        prefs.edit().putString("bml_${loginId}_enc_profile", encrypt(json, key)).apply()
     }
 
-    fun loadBmlUserProfile(): BmlUserProfile? {
-        val name = prefs.getString("bml_full_name", null) ?: return null
-        return BmlUserProfile(
-            fullName = name,
-            email = prefs.getString("bml_profile_email", "") ?: "",
-            mobile = prefs.getString("bml_profile_mobile", "") ?: "",
-            customerId = prefs.getString("bml_profile_customer_id", "") ?: "",
-            idCard = prefs.getString("bml_profile_idcard", "") ?: "",
-            birthdate = prefs.getString("bml_profile_birthdate", "") ?: ""
-        )
+    fun loadBmlUserProfile(loginId: String): BmlUserProfile? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("bml_${loginId}_enc_profile", null) ?: return null
+        return try {
+            val o = JSONObject(decrypt(enc, key))
+            BmlUserProfile(
+                fullName = o.optString("fullName"),
+                email = o.optString("email"),
+                mobile = o.optString("mobile"),
+                customerId = o.optString("customerId"),
+                idCard = o.optString("idCard"),
+                birthdate = o.optString("birthdate")
+            )
+        } catch (_: Exception) { null }
     }
 
+    // ── Crypto primitives ─────────────────────────────────────────────────────
+
     private fun getOrCreateKey(): SecretKey {
         val ks = KeyStore.getInstance("AndroidKeyStore").also { it.load(null) }
         ks.getKey(keyAlias, null)?.let { return it as SecretKey }
@@ -193,16 +423,16 @@ class CredentialStore(context: Context) {
         val cipher = Cipher.getInstance(transformation)
         cipher.init(Cipher.ENCRYPT_MODE, key)
         val iv = cipher.iv
-        val ct = cipher.doFinal(plaintext.toByteArray())
+        val ct = cipher.doFinal(plaintext.toByteArray(Charsets.UTF_8))
         return Base64.encodeToString(iv, Base64.NO_WRAP) + ":" + Base64.encodeToString(ct, Base64.NO_WRAP)
     }
 
     private fun decrypt(encoded: String, key: SecretKey): String {
-        val parts = encoded.split(":")
-        val iv = Base64.decode(parts[0], Base64.NO_WRAP)
-        val ct = Base64.decode(parts[1], Base64.NO_WRAP)
+        val colon = encoded.indexOf(':')
+        val iv = Base64.decode(encoded.substring(0, colon), Base64.NO_WRAP)
+        val ct = Base64.decode(encoded.substring(colon + 1), Base64.NO_WRAP)
         val cipher = Cipher.getInstance(transformation)
         cipher.init(Cipher.DECRYPT_MODE, key, GCMParameterSpec(128, iv))
-        return String(cipher.doFinal(ct))
+        return String(cipher.doFinal(ct), Charsets.UTF_8)
     }
 }

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

@@ -31,7 +31,7 @@ object FinancingCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY_MIB, arr.toString()).apply()
+            .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
     fun clear(context: Context) {
@@ -39,9 +39,10 @@ object FinancingCache {
     }
 
     fun load(context: Context): List<MibFinanceDeal> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_MIB, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)

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

@@ -39,7 +39,7 @@ object ForeignLimitsCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY, arr.toString()).apply()
+            .edit().putString(KEY, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
     fun clear(context: Context) {
@@ -47,9 +47,10 @@ object ForeignLimitsCache {
     }
 
     fun load(context: Context): List<HomeViewModel.BmlLimitsData> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val entry = arr.getJSONObject(i)

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

@@ -0,0 +1,24 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import java.io.File
+
+object MerchantIconCache {
+
+    private fun file(context: Context, url: String) =
+        File(context.cacheDir, "micon_${url.replace(Regex("[^A-Za-z0-9]"), "_")}.png")
+
+    fun save(context: Context, url: String, bitmap: Bitmap) {
+        try {
+            file(context, url).outputStream().use {
+                bitmap.compress(Bitmap.CompressFormat.PNG, 90, it)
+            }
+        } catch (_: Exception) {}
+    }
+
+    fun load(context: Context, url: String): Bitmap? = try {
+        BitmapFactory.decodeFile(file(context, url).absolutePath)
+    } catch (_: Exception) { null }
+}

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

@@ -0,0 +1,18 @@
+package sh.sar.basedbank.util
+
+object MibAccountParser {
+
+    /**
+     * Returns a display-ready product label for a MIB (Faisanet) account type name.
+     * Known MIB accountTypeName values are mapped to short friendly labels.
+     * Everything else is returned trimmed as-is.
+     */
+    fun productLabel(raw: String): String {
+        val u = raw.trim().uppercase()
+        return when {
+            u == "SAVING ACCOUNT"  -> "Savings"
+            u == "CURRENT ACCOUNT" -> "Current"
+            else                   -> raw.trim()
+        }
+    }
+}

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

@@ -37,7 +37,7 @@ object RecentsCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY, arr.toString()).apply()
+            .edit().putString(KEY, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
     fun remove(context: Context, accountNumber: String) {
@@ -54,7 +54,7 @@ object RecentsCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY, arr.toString()).apply()
+            .edit().putString(KEY, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
     fun clear(context: Context) {
@@ -62,9 +62,10 @@ object RecentsCache {
     }
 
     fun load(context: Context): List<RecentPick> {
-        val json = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY, null) ?: return emptyList()
         return try {
+            val json = CacheEncryption.decrypt(raw)
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)

app/src/main/res/drawable/americanexpress.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="#016FD0"
+        android:pathData="M16.015 14.378c0-.32-.135-.496-.344-.622-.21-.12-.464-.135-.81-.135h-1.543v2.82h.675v-1.027h.72c.24 0 .39.024.478.125.12.13.104.38.104.55v.35h.66v-.555c-.002-.25-.017-.376-.108-.516-.06-.08-.18-.18-.33-.234l.02-.008c.18-.072.48-.297.48-.747zm-.87.407l-.028-.002c-.09.053-.195.058-.33.058h-.81v-.63h.824c.12 0 .24 0 .33.05.098.048.156.147.15.255 0 .12-.045.215-.134.27zM20.297 15.837H19v.6h1.304c.676 0 1.05-.278 1.05-.884 0-.28-.066-.448-.187-.582-.153-.133-.392-.193-.73-.207l-.376-.015c-.104 0-.18 0-.255-.03-.09-.03-.15-.105-.15-.21 0-.09.017-.166.09-.21.083-.046.177-.066.272-.06h1.23v-.602h-1.35c-.704 0-.958.437-.958.84 0 .9.776.855 1.407.87.104 0 .18.015.225.06.046.03.082.106.082.18 0 .077-.035.15-.08.18-.06.053-.15.07-.277.07zM0 0v10.096L.81 8.22h1.75l.225.464V8.22h2.043l.45 1.02.437-1.013h6.502c.295 0 .56.057.756.236v-.23h1.787v.23c.307-.17.686-.23 1.12-.23h2.606l.24.466v-.466h1.918l.254.465v-.466h1.858v3.948H20.87l-.36-.6v.585h-2.353l-.256-.63h-.583l-.27.614h-1.213c-.48 0-.84-.104-1.08-.24v.24h-2.89v-.884c0-.12-.03-.12-.105-.135h-.105v1.036H6.067v-.48l-.21.48H4.69l-.202-.48v.465H2.235l-.256-.624H1.4l-.256.624H0V24h23.786v-7.108c-.27.135-.613.18-.973.18H21.09v-.255c-.21.165-.57.255-.914.255H14.71v-.9c0-.12-.018-.12-.12-.12h-.075v1.022h-1.8v-1.066c-.298.136-.643.15-.928.136h-.214v.915h-2.18l-.54-.617-.57.6H4.742v-3.93h3.61l.518.602.554-.6h2.412c.28 0 .74.03.942.225v-.24h2.177c.202 0 .644.045.903.225v-.24h3.265v.24c.163-.164.508-.24.803-.24h1.89v.24c.194-.15.464-.24.84-.24h1.176V0H0zM21.156 14.955c.004.005.006.012.01.016.01.01.024.01.032.02l-.042-.035zM23.828 13.082h.065v.555h-.065zM23.865 15.03v-.005c-.03-.025-.046-.048-.075-.07-.15-.153-.39-.215-.764-.225l-.36-.012c-.12 0-.194-.007-.27-.03-.09-.03-.15-.105-.15-.21 0-.09.03-.16.09-.204.076-.045.15-.05.27-.05h1.223v-.588h-1.283c-.69 0-.96.437-.96.84 0 .9.78.855 1.41.87.104 0 .18.015.224.06.046.03.076.106.076.18 0 .07-.034.138-.09.18-.045.056-.136.07-.27.07h-1.288v.605h1.287c.42 0 .734-.118.9-.36h.03c.09-.134.135-.3.135-.523 0-.24-.045-.39-.135-.526zM18.597 14.208v-.583h-2.235V16.458h2.235v-.585h-1.57v-.57h1.533v-.584h-1.532v-.51M13.51 8.787h.685V11.6h-.684zM13.126 9.543l-.007.006c0-.314-.13-.5-.34-.624-.217-.125-.47-.135-.81-.135H10.43v2.82h.674v-1.034h.72c.24 0 .39.03.487.12.122.136.107.378.107.548v.354h.677v-.553c0-.25-.016-.375-.11-.516-.09-.107-.202-.19-.33-.237.172-.07.472-.3.472-.75zm-.855.396h-.015c-.09.054-.195.056-.33.056H11.1v-.623h.825c.12 0 .24.004.33.05.09.04.15.128.15.25s-.047.22-.134.266zM15.92 9.373h.632v-.6h-.644c-.464 0-.804.105-1.02.33-.286.3-.362.69-.362 1.11 0 .512.123.833.36 1.074.232.238.645.31.97.31h.78l.255-.627h1.39l.262.627h1.36v-2.11l1.272 2.11h.95l.002.002V8.786h-.684v1.963l-1.18-1.96h-1.02V11.4L18.11 8.744h-1.004l-.943 2.22h-.3c-.177 0-.362-.03-.468-.134-.125-.15-.186-.36-.186-.662 0-.285.08-.51.194-.63.133-.135.272-.165.516-.165zm1.668-.108l.464 1.118v.002h-.93l.466-1.12zM2.38 10.97l.254.628H4V9.393l.972 2.205h.584l.973-2.202.015 2.202h.69v-2.81H6.118l-.807 1.904-.876-1.905H3.343v2.663L2.205 8.787h-.997L.01 11.597h.72l.26-.626h1.39zm-.688-1.705l.46 1.118-.003.002h-.915l.457-1.12zM11.856 13.62H9.714l-.85.923-.825-.922H5.346v2.82H8l.855-.932.824.93h1.302v-.94h.838c.6 0 1.17-.164 1.17-.945l-.006-.003c0-.78-.598-.93-1.128-.93zM7.67 15.853l-.014-.002H6.02v-.557h1.47v-.574H6.02v-.51H7.7l.733.82-.764.824zm2.642.33l-1.03-1.147 1.03-1.108v2.253zm1.553-1.258h-.885v-.717h.885c.24 0 .42.098.42.344 0 .243-.15.372-.42.372zM9.967 9.373v-.586H7.73V11.6h2.237v-.58H8.4v-.564h1.527V9.88H8.4v-.507" />
+</vector>

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

@@ -0,0 +1,66 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:aapt="http://schemas.android.com/aapt"
+    android:width="190dp"
+    android:height="46dp"
+    android:viewportWidth="1142.31"
+    android:viewportHeight="277.3">
+
+    <!-- P letter mark - top stroke -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M720.28,22.78c35,0,58.9,23.29,58.9,57.39,0,41.86-33,71-81.49,71h-38l-11.56,65.71H606.56L640.7,22.78ZM702.1,113.72c21.75,0,34.69-13.32,34.69-32.16,0-13.88-8.25-21.37-25.32-21.37H675.94l-9.63,53.53Z" />
+
+    <!-- a letter -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M298.85,63.61h40.41L312.31,216.86H271.65l3.72-20.05a67,67,0,0,1-49.55,22.33c-32.67,0-58.74-25.19-58.74-66.45,0-48.12,35.23-91.39,81.64-91.39,20.34,0,37.82,8.31,46.69,22.08Zm-12,67.61c0-21.5-12.88-34.11-31.79-34.11-26.65,0-46.11,24.94-46.11,51.86,0,21.78,12.88,34.36,32.07,34.36C267.91,183.33,286.82,157.84,286.82,131.22Z" />
+
+    <!-- h letter -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M510.16,120.9l-16.9,96H452.58l14.61-83.66c4-23.2-4.29-34.65-22.9-34.65-20.06,0-37,13.46-41.26,38.39l-14,79.92H348.31l37-209.13H426L412.5,84A64.85,64.85,0,0,1,462.32,61.3C494.42,61.3,516.47,84.81,510.16,120.9Z" />
+
+    <!-- i letter -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M527.53,216.86,554.47,63.61h40.66L568.21,216.86ZM559,26.07C559,12.33,570.22,0,584.84,0c11.45,0,20.34,7.46,20.34,19.21,0,13.74-11.75,26.35-26.07,26.35C567.63,45.56,559,37.54,559,26.07Z" />
+
+    <!-- second a letter -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M921.83,63.61h40.4L935.29,216.86H894.63l3.71-20.05a67,67,0,0,1-49.55,22.33c-32.67,0-58.74-25.19-58.74-66.45,0-48.12,35.24-91.39,81.65-91.39,20.34,0,37.82,8.31,46.69,22.08Zm-12,67.61c0-21.5-12.89-34.11-31.8-34.11-26.64,0-46.11,24.94-46.11,51.86,0,21.78,12.89,34.36,32.07,34.36C890.89,183.33,909.8,157.84,909.8,131.22Z" />
+
+    <!-- y letter -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M1097.63,63.61h44.68l-97.39,176.15c-14.62,26.37-29.79,37.54-60.15,37.54H960.41L967,241.49h16.9c13.46,0,20.07-3.71,26.65-16l4.29-7.44L982.18,63.61H1024l18.91,105.13Z" />
+
+    <!-- logo mark - top arc -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M156.34,57.58l8.92-49.85H102.89A78.06,78.06,0,0,0,26.05,72.09L23,89.49h0c16.8-22.76,42.41-31.91,70.71-31.91Z" />
+
+    <!-- logo mark - middle arc -->
+    <path
+        android:fillColor="#FF15BEA7"
+        android:pathData="M142.8,134l8.92-49.84H89.35a78,78,0,0,0-76.84,64.35L9.22,166.1a.19.19,0,0,0,.35.15C26.38,144,52.12,134,80.11,134Z" />
+
+    <!-- logo mark - bottom arc (gradient) -->
+    <path android:pathData="M9.55,166.25a.19.19,0,0,1-.34-.13c-.07.38-.32,1.73-.54,3L0,216.86H43.25l12.28-65.43c2.3-12.38,12.59-17.31,25.15-17.39h-.59C52.1,134,26.37,144,9.55,166.25Z">
+        <aapt:attr name="android:fillColor">
+            <gradient
+                android:startX="58.15"
+                android:startY="208.94"
+                android:endX="22.66"
+                android:endY="142.19"
+                android:type="linear">
+                <item android:offset="0.2" android:color="#FF15B79E" />
+                <item android:offset="0.36" android:color="#FF15A08B" />
+                <item android:offset="0.79" android:color="#FF13655C" />
+                <item android:offset="1.0" android:color="#FF134E4A" />
+            </gradient>
+        </aapt:attr>
+    </path>
+
+</vector>

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

@@ -0,0 +1,14 @@
+<?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:pathData="M 3,12 H 21 M 14,5 L 21,12 L 14,19"
+        android:strokeColor="#49454F"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:fillColor="@android:color/transparent" />
+</vector>

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

@@ -0,0 +1,11 @@
+<?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"
+    android:tint="?attr/colorControlNormal">
+    <path
+        android:fillColor="@android:color/white"
+        android:pathData="M12,2C6.48,2 2,6.48 2,12s4.48,10 10,10 10,-4.48 10,-10S17.52,2 12,2zm-2,15l-5,-5 1.41,-1.41L10,14.17l7.59,-7.59L19,8l-9,9z" />
+</vector>

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

@@ -5,6 +5,6 @@
     android:viewportWidth="24"
     android:viewportHeight="24">
     <path
-        android:fillColor="@android:color/black"
+        android:fillColor="?attr/colorOnSurfaceVariant"
         android:pathData="M3,17.25V21h3.75L17.81,9.94l-3.75,-3.75L3,17.25zM20.71,7.04c0.39,-0.39 0.39,-1.02 0,-1.41l-2.34,-2.34c-0.39,-0.39 -1.02,-0.39 -1.41,0l-1.83,1.83 3.75,3.75 1.83,-1.83z" />
 </vector>

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

@@ -3,5 +3,5 @@
     android:width="24dp" android:height="24dp"
     android:viewportWidth="24" android:viewportHeight="24">
     <path android:fillColor="?attr/colorOnSurfaceVariant"
-        android:pathData="M4,6H2v14c0,1.1 0.9,2 2,2h14v-2H4V6zm16-4H8C6.9,2 6,2.9 6,4v12c0,1.1 0.9,2 2,2h12c1.1,0 2,-0.9 2,-2V4C22,2.9 21.1,2 20,2zm-1,9h-4v4h-2v-4H9V9h4V5h2v4h4v2z"/>
+        android:pathData="M21,18v1c0,1.1 -0.9,2 -2,2H5c-1.11,0 -2,-0.9 -2,-2V4c0,-1.1 0.89,-2 2,-2h14c1.1,0 2,0.9 2,2v1h-9c-1.11,0 -2,0.9 -2,2v10c0,1.1 0.89,2 2,2h9zM12,16h10V8H12v8zM16,13.5c-0.83,0 -1.5,-0.67 -1.5,-1.5s0.67,-1.5 1.5,-1.5 1.5,0.67 1.5,1.5 -0.67,1.5 -1.5,1.5z"/>
 </vector>

app/src/main/res/drawable/ic_nav_activities.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="M13,3C8.03,3 4,7.03 4,12H1l3.89,3.89 0.07,0.14L9,12H6c0,-3.87 3.13,-7 7,-7s7,3.13 7,7 -3.13,7 -7,7c-1.93,0 -3.68,-0.79 -4.94,-2.06l-1.42,1.42C8.27,19.99 10.51,21 13,21c4.97,0 9,-4.03 9,-9s-4.03,-9 -9,-9zM12,8v5l4.25,2.52 0.77,-1.28 -3.52,-2.09V8H12z" />
+</vector>

app/src/main/res/drawable/ic_nav_card.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="M20,4H4C2.89,4 2.01,4.89 2.01,6L2,18c0,1.11 0.89,2 2,2h16c1.11,0 2,-0.89 2,-2V6C22,4.89 21.11,4 20,4zM20,18H4v-6h16V18zM20,8H4V6h16V8z" />
+</vector>

app/src/main/res/drawable/ic_nav_finances.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="M4,10v7h3v-7H4zM10,10v7h3v-7H10zM2,22h19v-3H2V22zM16,10v7h3v-7H16zM11.5,1L2,6v2h19V6L11.5,1z" />
+</vector>

app/src/main/res/drawable/ic_nav_more.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="M6,10c-1.1,0 -2,0.9 -2,2s0.9,2 2,2 2,-0.9 2,-2 -0.9,-2 -2,-2zM18,10c-1.1,0 -2,0.9 -2,2s0.9,2 2,2 2,-0.9 2,-2 -0.9,-2 -2,-2zM12,10c-1.1,0 -2,0.9 -2,2s0.9,2 2,2 2,-0.9 2,-2 -0.9,-2 -2,-2z" />
+</vector>

app/src/main/res/drawable/ic_nav_otp.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="M12.65,10C11.83,7.67 9.61,6 7,6c-3.31,0 -6,2.69 -6,6s2.69,6 6,6c2.61,0 4.83,-1.67 5.65,-4H17v4h4v-4h2v-4H12.65zM7,14c-1.1,0 -2,-0.9 -2,-2s0.9,-2 2,-2 2,0.9 2,2 -0.9,2 -2,2z" />
+</vector>

app/src/main/res/drawable/ic_nav_transfer_history.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="M6.99,11L3,15l3.99,4v-3H14v-2H6.99v-3zM21,9l-3.99,-4v3H10v2h7.01v3L21,9z" />
+</vector>

app/src/main/res/drawable/ic_send.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="M2.01,21L23,12 2.01,3 2,10l15,2 -15,2z" />
+</vector>

app/src/main/res/drawable/ic_settings_appearance.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="M12,3c-4.97,0 -9,4.03 -9,9s4.03,9 9,9c0.83,0 1.5,-0.67 1.5,-1.5 0,-0.39 -0.15,-0.74 -0.39,-1.01 -0.23,-0.26 -0.38,-0.61 -0.38,-0.99 0,-0.83 0.67,-1.5 1.5,-1.5H16c2.76,0 5,-2.24 5,-5 0,-4.42 -4.03,-8 -9,-8zM6.5,12C5.67,12 5,11.33 5,10.5S5.67,9 6.5,9 8,9.67 8,10.5 7.33,12 6.5,12zM9.5,8C8.67,8 8,7.33 8,6.5S8.67,5 9.5,5 11,5.67 11,6.5 10.33,8 9.5,8zM14.5,8C13.67,8 13,7.33 13,6.5S13.67,5 14.5,5 16,5.67 16,6.5 15.33,8 14.5,8zM17.5,12C16.67,12 16,11.33 16,10.5S16.67,9 17.5,9 19,9.67 19,10.5 18.33,12 17.5,12z" />
+</vector>

app/src/main/res/drawable/ic_settings_storage.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="M2,20h20v-4H2v4zM4,17h2v2H4v-2zM2,4v4h20V4H2zM6,7H4V5h2v2zM2,14h20v-4H2v4zM4,11h2v2H4v-2z" />
+</vector>

app/src/main/res/drawable/mastercard.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="#FF5F00"
+        android:pathData="M11.343 18.031c.058.049.12.098.181.146-1.177.783-2.59 1.238-4.107 1.238C3.32 19.416 0 16.096 0 12c0-4.095 3.32-7.416 7.416-7.416 1.518 0 2.931.456 4.105 1.238-.06.051-.12.098-.165.15C9.6 7.489 8.595 9.688 8.595 12c0 2.311 1.001 4.51 2.748 6.031zm5.241-13.447c-1.52 0-2.931.456-4.105 1.238.06.051.12.098.165.15C14.4 7.489 15.405 9.688 15.405 12c0 2.31-1.001 4.507-2.748 6.031-.058.049-.12.098-.181.146 1.177.783 2.588 1.238 4.107 1.238C20.68 19.416 24 16.096 24 12c0-4.094-3.32-7.416-7.416-7.416zM12 6.174c-.096.075-.189.15-.28.231C10.156 7.764 9.169 9.765 9.169 12c0 2.236.987 4.236 2.551 5.595.09.08.185.158.28.232.096-.074.189-.152.28-.232 1.563-1.359 2.551-3.359 2.551-5.595 0-2.235-.987-4.236-2.551-5.595-.09-.08-.184-.156-.28-.231z" />
+</vector>

app/src/main/res/drawable/visa.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="#1A1F71"
+        android:pathData="M9.112 8.262L5.97 15.758H3.92L2.374 9.775c-0.094,-0.368,-0.175,-0.503,-0.461,-0.658C1.447 8.864 0.677 8.627 0 8.479l0.046,-0.217h3.3a0.904,0.904,0,0,1,0.894,0.764l0.817 4.338 2.018,-5.102zM17.145 13.311c0.008,-1.979,-2.736,-2.088,-2.717,-2.972 0.006,-0.269 0.262,-0.555 0.822,-0.628a3.66,3.66,0,0,1,1.913,0.336l0.34,-1.59a5.207,5.207,0,0,0,-1.814,-0.333c-1.917 0,-3.266 1.02,-3.278 2.479,-0.012 1.079 0.963 1.68 1.698 2.04 0.756 0.367 1.01 0.603 1.006 0.931,-0.005 0.504,-0.602 0.725,-1.16 0.734,-0.975 0.015,-1.54,-0.263,-1.992,-0.473l-0.351 1.642c0.453 0.208 1.289 0.39 2.156 0.398 2.037 0 3.37,-1.006 3.377,-2.564zM22.206 15.758H24l-1.565,-7.496h-1.656a0.883,0.883,0,0,0,-0.826,0.55l-2.909 6.946h2.036l0.405,-1.12h2.488zM20.043 13.102l1.02,-2.815 0.588 2.815zM11.883 8.262l-1.603 7.496H8.34l1.605,-7.496z" />
+</vector>

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

@@ -4,17 +4,20 @@
     xmlns:app="http://schemas.android.com/apk/res-auto"
     android:id="@+id/drawerLayout"
     android:layout_width="match_parent"
-    android:layout_height="match_parent">
+    android:layout_height="match_parent"
+    android:fitsSystemWindows="true">
 
     <!-- Main content -->
     <androidx.coordinatorlayout.widget.CoordinatorLayout
         android:layout_width="match_parent"
         android:layout_height="match_parent"
-        android:background="?attr/colorSurface">
+        android:background="?attr/colorSurface"
+        android:fitsSystemWindows="true">
 
         <com.google.android.material.appbar.AppBarLayout
             android:layout_width="match_parent"
-            android:layout_height="wrap_content">
+            android:layout_height="wrap_content"
+            android:fitsSystemWindows="true">
 
             <com.google.android.material.appbar.MaterialToolbar
                 android:id="@+id/toolbar"
@@ -32,11 +35,27 @@
 
         </com.google.android.material.appbar.AppBarLayout>
 
-        <FrameLayout
-            android:id="@+id/contentFrame"
+        <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="match_parent"
-            app:layout_behavior="@string/appbar_scrolling_view_behavior" />
+            android:orientation="vertical"
+            app:layout_behavior="@string/appbar_scrolling_view_behavior">
+
+            <FrameLayout
+                android:id="@+id/contentFrame"
+                android:layout_width="match_parent"
+                android:layout_height="0dp"
+                android:layout_weight="1" />
+
+            <com.google.android.material.bottomnavigation.BottomNavigationView
+                android:id="@+id/bottomNavigation"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:visibility="gone"
+                android:fitsSystemWindows="true"
+                app:menu="@menu/bottom_nav_menu" />
+
+        </LinearLayout>
 
     </androidx.coordinatorlayout.widget.CoordinatorLayout>
 
@@ -46,6 +65,7 @@
         android:layout_width="wrap_content"
         android:layout_height="match_parent"
         android:layout_gravity="start"
+        android:fitsSystemWindows="true"
         app:menu="@menu/drawer_menu" />
 
 </androidx.drawerlayout.widget.DrawerLayout>

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

@@ -4,7 +4,8 @@
     xmlns:app="http://schemas.android.com/apk/res-auto"
     android:layout_width="match_parent"
     android:layout_height="match_parent"
-    android:background="?attr/colorSurface">
+    android:background="?attr/colorSurface"
+    android:fitsSystemWindows="true">
 
     <androidx.fragment.app.FragmentContainerView
         android:id="@+id/navHostFragment"

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

@@ -27,31 +27,49 @@
         app:layout_constraintStart_toStartOf="parent"
         app:layout_constraintEnd_toEndOf="parent">
 
-        <com.google.android.material.chip.ChipGroup
-            android:id="@+id/languageChipGroup"
-            android:layout_width="wrap_content"
+        <LinearLayout
+            android:id="@+id/languageSection"
+            android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:layout_gravity="center_horizontal"
+            android:orientation="vertical"
             android:layout_marginBottom="16dp"
-            android:visibility="gone"
-            app:singleSelection="true"
-            app:selectionRequired="false">
+            android:visibility="gone">
 
-            <com.google.android.material.chip.Chip
-                android:id="@+id/chipEnglish"
+            <TextView
                 android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
-                android:text="English"
-                style="@style/Widget.Material3.Chip.Filter" />
+                android:layout_gravity="center_horizontal"
+                android:text="@string/select_language"
+                android:textAppearance="?attr/textAppearanceBodyLarge"
+                android:textColor="?attr/colorOnSurface"
+                android:layout_marginBottom="8dp" />
 
-            <com.google.android.material.chip.Chip
-                android:id="@+id/chipDhivehi"
-                android:layout_width="wrap_content"
+            <com.google.android.material.button.MaterialButtonToggleGroup
+                android:id="@+id/languageToggle"
+                android:layout_width="match_parent"
                 android:layout_height="wrap_content"
-                android:text="ދިވެހި"
-                style="@style/Widget.Material3.Chip.Filter" />
+                app:singleSelection="true"
+                app:selectionRequired="true">
 
-        </com.google.android.material.chip.ChipGroup>
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnLangEnglish"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="English" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnLangDhivehi"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="ދިވެހި" />
+
+            </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        </LinearLayout>
 
         <com.google.android.material.tabs.TabLayout
             android:id="@+id/dotsIndicator"
@@ -61,6 +79,8 @@
             android:background="@null"
             android:layout_gravity="center_horizontal"
             android:layout_marginBottom="24dp"
+            android:clickable="false"
+            android:focusable="false"
             app:tabBackground="@drawable/tab_indicator_selector"
             app:tabGravity="center"
             app:tabIndicatorHeight="0dp"

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

@@ -10,6 +10,7 @@
         android:layout_height="match_parent" />
 
     <LinearLayout
+        android:id="@+id/btnContainer"
         android:layout_width="wrap_content"
         android:layout_height="wrap_content"
         android:layout_gravity="bottom|center_horizontal"

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

@@ -117,5 +117,49 @@
             </LinearLayout>
         </com.google.android.material.card.MaterialCardView>
 
+        <!-- Fahipay Card -->
+        <com.google.android.material.card.MaterialCardView
+            android:id="@+id/cardFahipay"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="16dp"
+            android:clickable="true"
+            android:focusable="true"
+            app:cardCornerRadius="16dp"
+            app:strokeWidth="1dp"
+            app:strokeColor="?attr/colorOutline">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:padding="20dp">
+
+                <ImageView
+                    android:layout_width="138dp"
+                    android:layout_height="40dp"
+                    android:src="@drawable/fahipay_logo_long"
+                    android:contentDescription="@string/fahipay_name"
+                    android:scaleType="fitStart"
+                    android:layout_marginBottom="12dp" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/fahipay_name"
+                    android:textAppearance="?attr/textAppearanceTitleMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/fahipay_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant"
+                    android:layout_marginTop="4dp" />
+
+            </LinearLayout>
+        </com.google.android.material.card.MaterialCardView>
+
     </LinearLayout>
 </ScrollView>

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

@@ -42,6 +42,7 @@
             android:layout_marginBottom="32dp" />
 
         <com.google.android.material.textfield.TextInputLayout
+            android:id="@+id/tilUsername"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:hint="@string/username"
@@ -73,12 +74,12 @@
         </com.google.android.material.textfield.TextInputLayout>
 
         <com.google.android.material.textfield.TextInputLayout
+            android:id="@+id/tilOtpSeed"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:hint="@string/otp_seed"
             android:layout_marginBottom="8dp"
             app:endIconMode="password_toggle"
-            app:helperText="@string/otp_seed_hint"
             style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
             <com.google.android.material.textfield.TextInputEditText
                 android:id="@+id/etOtpSeed"
@@ -89,13 +90,32 @@
                 android:singleLine="true" />
         </com.google.android.material.textfield.TextInputLayout>
 
+        <com.google.android.material.textfield.TextInputLayout
+            android:id="@+id/tilTotpCode"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:hint="@string/fahipay_totp_code"
+            android:layout_marginBottom="8dp"
+            app:helperText="@string/fahipay_totp_hint"
+            android:visibility="gone"
+            style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
+            <com.google.android.material.textfield.TextInputEditText
+                android:id="@+id/etTotpCode"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:inputType="number"
+                android:imeOptions="actionDone"
+                android:singleLine="true"
+                android:maxLength="6" />
+        </com.google.android.material.textfield.TextInputLayout>
+
         <com.google.android.material.card.MaterialCardView
             android:id="@+id/cardOtp"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:layout_marginTop="8dp"
             android:layout_marginBottom="8dp"
-            android:visibility="gone"
+            android:visibility="invisible"
             app:cardBackgroundColor="?attr/colorSecondaryContainer"
             app:cardCornerRadius="12dp"
             app:cardElevation="0dp">

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

@@ -0,0 +1,16 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+    <LinearLayout
+        android:id="@+id/moreList"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingTop="8dp"
+        android:paddingBottom="8dp" />
+
+</ScrollView>

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

@@ -0,0 +1,218 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    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="wrap_content"
+        android:orientation="vertical"
+        android:padding="24dp"
+        android:paddingTop="40dp">
+
+        <!-- Appearance -->
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_appearance"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="16dp" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_navigation"
+            android:textAppearance="?attr/textAppearanceBodyLarge"
+            android:textColor="?attr/colorOnSurface"
+            android:layout_marginBottom="8dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/navModeToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="16dp"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavDrawer"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_drawer" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavBottom"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_bottom" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/theme"
+            android:textAppearance="?attr/textAppearanceBodyLarge"
+            android:textColor="?attr/colorOnSurface"
+            android:layout_marginBottom="8dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/themeToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeSystem"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_system" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeLight"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_light" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeDark"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_dark" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        <!-- Privacy & Security -->
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_privacy_security"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginTop="24dp"
+            android:layout_marginBottom="16dp" />
+
+        <!-- Biometrics -->
+        <LinearLayout
+            android:id="@+id/rowBiometrics"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:layout_marginBottom="16dp">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_biometrics"
+                android:textAppearance="?attr/textAppearanceLabelMedium"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginBottom="4dp" />
+
+            <TextView
+                android:id="@+id/tvBiometricsHint"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_biometrics_unavailable"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginBottom="8dp"
+                android:visibility="gone" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/settings_biometrics_unlock"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchBiometrics"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical"
+                android:layout_marginTop="8dp">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/settings_biometrics_transfer"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchBiometricsTransfer"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <!-- Block screenshots -->
+        <LinearLayout
+            android:id="@+id/rowBlockScreenshots"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_block_screenshots"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_block_screenshots_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <com.google.android.material.materialswitch.MaterialSwitch
+                android:id="@+id/switchBlockScreenshots"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -1,94 +1,96 @@
 <?xml version="1.0" encoding="utf-8"?>
-<ScrollView
+<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:fillViewport="true">
+    android:orientation="vertical"
+    android:gravity="center_horizontal"
+    android:paddingHorizontal="32dp"
+    android:paddingTop="64dp"
+    android:paddingBottom="16dp">
 
-    <LinearLayout
+    <ImageView
+        android:id="@+id/icon"
+        android:layout_width="120dp"
+        android:layout_height="120dp"
+        android:layout_marginBottom="40dp"
+        android:contentDescription="@string/app_name" />
+
+    <TextView
+        android:id="@+id/title"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
-        android:orientation="vertical"
-        android:gravity="center_horizontal"
-        android:paddingHorizontal="32dp"
-        android:paddingTop="64dp"
-        android:paddingBottom="16dp">
+        android:textAppearance="?attr/textAppearanceHeadlineMedium"
+        android:textColor="?attr/colorOnSurface"
+        android:gravity="center"
+        android:layout_marginBottom="16dp" />
 
-        <ImageView
-            android:id="@+id/icon"
-            android:layout_width="120dp"
-            android:layout_height="120dp"
-            android:layout_marginBottom="40dp"
-            android:contentDescription="@string/app_name" />
+    <ScrollView
+        android:id="@+id/scrollView"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:fillViewport="true">
 
-        <TextView
-            android:id="@+id/title"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceHeadlineMedium"
-            android:textColor="?attr/colorOnSurface"
-            android:gravity="center"
-            android:layout_marginBottom="16dp" />
-
-        <TextView
-            android:id="@+id/description"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceBodyLarge"
-            android:textColor="?attr/colorOnSurfaceVariant"
-            android:gravity="center"
-            android:lineSpacingMultiplier="1.4" />
-
-        <!-- Bank logo cards shown only on first slide -->
         <LinearLayout
-            android:id="@+id/placeholderCards"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:layout_marginTop="40dp"
-            android:weightSum="2"
-            android:visibility="gone">
+            android:orientation="vertical">
 
-            <com.google.android.material.card.MaterialCardView
-                android:layout_width="0dp"
-                android:layout_height="80dp"
-                android:layout_weight="1"
-                android:layout_marginEnd="8dp"
-                app:cardCornerRadius="12dp"
-                app:strokeWidth="1dp"
-                app:strokeColor="?attr/colorOutline">
+            <TextView
+                android:id="@+id/description"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodyLarge"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:gravity="center"
+                android:lineSpacingMultiplier="1.4" />
+
+            <!-- Supported services shown only on first slide -->
+            <LinearLayout
+                android:id="@+id/placeholderCards"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:layout_marginTop="40dp"
+                android:visibility="gone">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_gravity="center_horizontal"
+                    android:text="@string/onboarding_supported_services"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurfaceVariant"
+                    android:layout_marginBottom="16dp" />
 
                 <ImageView
                     android:layout_width="match_parent"
-                    android:layout_height="match_parent"
+                    android:layout_height="40dp"
                     android:src="@drawable/mib_faisanet_logo"
                     android:scaleType="centerInside"
-                    android:padding="12dp"
                     android:contentDescription="@string/mib_name" />
 
-            </com.google.android.material.card.MaterialCardView>
-
-            <com.google.android.material.card.MaterialCardView
-                android:layout_width="0dp"
-                android:layout_height="80dp"
-                android:layout_weight="1"
-                android:layout_marginStart="8dp"
-                app:cardCornerRadius="12dp"
-                app:strokeWidth="1dp"
-                app:strokeColor="?attr/colorOutline">
-
                 <ImageView
                     android:layout_width="match_parent"
-                    android:layout_height="match_parent"
+                    android:layout_height="40dp"
+                    android:layout_marginTop="24dp"
                     android:src="@drawable/bml_logo_vector"
                     android:scaleType="centerInside"
-                    android:padding="8dp"
                     android:contentDescription="@string/bml_name" />
 
-            </com.google.android.material.card.MaterialCardView>
+                <ImageView
+                    android:layout_width="match_parent"
+                    android:layout_height="40dp"
+                    android:layout_marginTop="24dp"
+                    android:src="@drawable/fahipay_logo_long"
+                    android:scaleType="centerInside"
+                    android:contentDescription="@string/fahipay_name" />
+
+            </LinearLayout>
 
         </LinearLayout>
+    </ScrollView>
 
-    </LinearLayout>
-</ScrollView>
+</LinearLayout>

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

@@ -4,7 +4,7 @@
     android:layout_width="match_parent"
     android:layout_height="match_parent"
     android:orientation="vertical"
-    android:background="#FFFFFF">
+    android:background="?attr/colorSurface">
 
     <!-- ══════════════════════════════════════════════════════════════════════ -->
     <!-- Renderable receipt card                                                -->
@@ -13,6 +13,7 @@
         android:id="@+id/receiptCard"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
+        android:layout_marginHorizontal="24dp"
         android:orientation="vertical"
         android:background="#FFFFFF">
 
@@ -36,7 +37,6 @@
             android:layout_marginTop="14dp"
             android:layout_marginBottom="20dp"
             android:id="@+id/tvMessage"
-            android:text="Thank you. Transfer transaction is successful."
             android:textSize="14sp"
             android:textColor="#2D2D2D"
             android:fontFamily="@font/nunito_sans"
@@ -50,7 +50,7 @@
         <!-- ══════════════════════════════════════════════════════════════════ -->
         <FrameLayout
             android:layout_width="match_parent"
-            android:layout_height="wrap_content">
+            android:layout_height="70dp">
 
             <ImageView
                 android:layout_width="match_parent"
@@ -59,38 +59,32 @@
                 android:scaleType="fitXY"
                 android:contentDescription="@null" />
 
-            <LinearLayout
-                android:layout_width="match_parent"
+            <TextView
+                android:id="@+id/tvAmountValue"
+                android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
-                android:orientation="vertical"
-                android:gravity="center"
-                android:paddingVertical="14dp">
-
-                <!-- Amount — SofiaPro 68px → 42sp, #242424 -->
-                <TextView
-                    android:id="@+id/tvAmountValue"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:textSize="42sp"
-                    android:textColor="#242424"
-                    android:fontFamily="@font/sofia_pro"
-                    android:gravity="center" />
-
-                <!-- Currency — SofiaPro 40px → 20sp, #7E7E7E -->
-                <TextView
-                    android:id="@+id/tvAmountCurrency"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:layout_marginTop="2dp"
-                    android:textSize="20sp"
-                    android:textColor="#7E7E7E"
-                    android:fontFamily="@font/sofia_pro"
-                    android:gravity="center" />
-
-            </LinearLayout>
+                android:layout_gravity="center"
+                android:layout_marginBottom="13dp"
+                android:textSize="42sp"
+                android:textColor="#242424"
+                android:fontFamily="@font/sofia_pro"
+                android:gravity="center" />
 
         </FrameLayout>
 
+        <!-- Currency — floats below wave on transparent background -->
+        <TextView
+            android:id="@+id/tvAmountCurrency"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center_horizontal"
+            android:layout_marginTop="-19dp"
+            android:layout_marginBottom="0dp"
+            android:textSize="20sp"
+            android:textColor="#7E7E7E"
+            android:fontFamily="@font/sofia_pro"
+            android:gravity="center" />
+
         <!-- ══════════════════════════════════════════════════════════════════ -->
         <!-- Body rows                                                          -->
         <!-- Labels: SofiaPro 28px → 13sp, #000000, left-aligned              -->
@@ -150,7 +144,7 @@
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <LinearLayout android:layout_width="wrap_content" android:layout_height="wrap_content" android:orientation="vertical" android:gravity="end">
                     <TextView android:id="@+id/tvToName" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
-                    <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginTop="2dp" android:textSize="13sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
+                    <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginTop="2dp" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
                 </LinearLayout>
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
@@ -212,12 +206,6 @@
 
     </LinearLayout>
 
-    <!-- Pushes buttons to bottom of screen -->
-    <View
-        android:layout_width="match_parent"
-        android:layout_height="0dp"
-        android:layout_weight="1" />
-
     <!-- ══════════════════════════════════════════════════════════════════════ -->
     <!-- Action buttons — outside renderable area                               -->
     <!-- ══════════════════════════════════════════════════════════════════════ -->
@@ -225,7 +213,7 @@
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"
-        android:background="#FFFFFF"
+        android:background="?attr/colorSurface"
         android:paddingHorizontal="12dp"
         android:paddingTop="8dp"
         android:paddingBottom="12dp">

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

@@ -5,21 +5,20 @@
     android:layout_width="match_parent"
     android:layout_height="match_parent"
     android:orientation="vertical"
-    android:background="#FFFFFF">
+    android:background="?attr/colorSurface">
 
     <!-- Renderable receipt card (header grows to fill remaining space) -->
     <LinearLayout
         android:id="@+id/receiptCard"
         android:layout_width="match_parent"
-        android:layout_height="0dp"
-        android:layout_weight="1"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="40dp"
         android:orientation="vertical">
 
         <!-- Green header — fills all space not taken by body -->
         <FrameLayout
             android:layout_width="match_parent"
-            android:layout_height="0dp"
-            android:layout_weight="1"
+            android:layout_height="200dp"
             android:background="@drawable/trx_success_bg">
 
             <LinearLayout
@@ -36,7 +35,7 @@
                     android:textColor="#FFFFFF"
                     android:textSize="14sp"
                     android:letterSpacing="0.08"
-                    android:layout_marginBottom="16dp" />
+                    android:layout_marginBottom="22dp" />
 
                 <ImageView
                     android:layout_width="64dp"
@@ -50,9 +49,8 @@
                     android:text="SUCCESSFUL"
                     android:textColor="#FFFFFF"
                     android:textSize="16sp"
-                    android:textStyle="bold"
                     android:letterSpacing="0.05"
-                    android:layout_marginTop="12dp" />
+                    android:layout_marginTop="18dp" />
 
             </LinearLayout>
 
@@ -94,19 +92,18 @@
                         android:layout_height="wrap_content"
                         android:layout_marginTop="6dp"
                         android:textSize="12sp"
-                        android:textColor="#1C1B1F"
+                        android:textColor="#565656"
                         android:gravity="center"
                         android:maxLines="2" />
 
                 </LinearLayout>
 
-                <TextView
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
+                <ImageView
+                    android:layout_width="24dp"
+                    android:layout_height="24dp"
                     android:layout_marginHorizontal="12dp"
-                    android:text="→"
-                    android:textSize="20sp"
-                    android:textColor="#49454F" />
+                    android:src="@drawable/ic_arrow_right"
+                    android:contentDescription="@null" />
 
                 <LinearLayout
                     android:layout_width="0dp"
@@ -127,7 +124,7 @@
                         android:layout_height="wrap_content"
                         android:layout_marginTop="6dp"
                         android:textSize="12sp"
-                        android:textColor="#1C1B1F"
+                        android:textColor="#565656"
                         android:gravity="center"
                         android:maxLines="2" />
 
@@ -142,8 +139,8 @@
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
                 android:text="TOTAL AMOUNT"
-                android:textSize="11sp"
-                android:textColor="#49454F"
+                android:textSize="13sp"
+                android:textColor="#a0a2a1"
                 android:letterSpacing="0.08"
                 android:gravity="center"
                 android:paddingTop="10dp"
@@ -153,9 +150,8 @@
                 android:id="@+id/tvAmount"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
-                android:textSize="28sp"
-                android:textStyle="bold"
-                android:textColor="#E65100"
+                android:textSize="34sp"
+                android:textColor="#f14f0f"
                 android:gravity="center"
                 android:paddingBottom="10dp" />
 
@@ -163,49 +159,49 @@
 
             <!-- Reference # -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Reference #" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Reference #" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvReferenceNo" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvReferenceNo" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- To Account -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Account" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Account" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- To Bank -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Bank" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Bank" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvToBank" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvToBank" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- Transaction Date -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Transaction Date" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Transaction Date" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvTransactionDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvTransactionDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- Value Date -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Value Date" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Value Date" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvValueDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvValueDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
             <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- Purpose -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Purpose" android:textSize="13sp" android:textColor="#49454F" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Purpose" android:textSize="15sp" android:textColor="#a0a2a1" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
-                <TextView android:id="@+id/tvPurpose" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="13sp" android:textColor="#1C1B1F" />
+                <TextView android:id="@+id/tvPurpose" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
 
             <!-- MIB footer -->
@@ -230,9 +226,8 @@
                     android:layout_height="wrap_content"
                     android:layout_marginStart="8dp"
                     android:text="MALDIVES ISLAMIC BANK"
-                    android:textSize="11sp"
-                    android:textStyle="bold"
-                    android:textColor="#49454F"
+                    android:textSize="13sp"
+                    android:textColor="#000000"
                     android:letterSpacing="0.05" />
 
             </LinearLayout>
@@ -246,7 +241,7 @@
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"
-        android:background="#FFFFFF"
+        android:background="?attr/colorSurface"
         android:paddingHorizontal="12dp"
         android:paddingTop="8dp"
         android:paddingBottom="12dp">

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

@@ -19,11 +19,12 @@
             android:paddingBottom="24dp"
             android:gravity="center_horizontal">
 
-            <TextView
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:text="🔒"
-                android:textSize="56sp"
+            <ImageView
+                android:layout_width="80dp"
+                android:layout_height="80dp"
+                android:src="@drawable/ic_lock"
+                android:tint="?attr/colorPrimary"
+                android:contentDescription="@null"
                 android:layout_marginBottom="16dp" />
 
             <TextView
@@ -255,73 +256,49 @@
 
     </LinearLayout>
 
-    <!-- Step: Biometric prompt -->
+
+    <!-- Step: Already configured -->
     <LinearLayout
-        android:id="@+id/viewBiometric"
+        android:id="@+id/viewConfigured"
         android:layout_width="match_parent"
         android:layout_height="match_parent"
         android:orientation="vertical"
+        android:gravity="center"
         android:paddingHorizontal="24dp"
-        android:paddingTop="40dp"
-        android:paddingBottom="24dp"
-        android:gravity="center_horizontal"
         android:visibility="gone">
 
+        <ImageView
+            android:layout_width="80dp"
+            android:layout_height="80dp"
+            android:src="@drawable/ic_check_circle"
+            android:tint="?attr/colorPrimary"
+            android:contentDescription="@null"
+            android:layout_marginBottom="24dp" />
+
         <TextView
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"
-            android:text="🔐"
-            android:textSize="72sp"
-            android:layout_marginBottom="16dp" />
-
-        <TextView
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:text="@string/biometric_title"
+            android:text="@string/security_already_configured"
             android:textAppearance="?attr/textAppearanceHeadlineSmall"
             android:textColor="?attr/colorOnSurface"
             android:gravity="center"
-            android:layout_marginBottom="12dp" />
+            android:layout_marginBottom="8dp" />
 
         <TextView
-            android:layout_width="match_parent"
+            android:layout_width="wrap_content"
             android:layout_height="wrap_content"
-            android:text="@string/biometric_desc"
+            android:text="@string/security_already_configured_desc"
             android:textAppearance="?attr/textAppearanceBodyMedium"
             android:textColor="?attr/colorOnSurfaceVariant"
             android:gravity="center"
-            android:layout_marginBottom="16dp" />
-
-        <com.google.android.material.card.MaterialCardView
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginBottom="32dp"
-            app:cardBackgroundColor="?attr/colorSecondaryContainer"
-            app:cardCornerRadius="12dp"
-            app:cardElevation="0dp">
-            <TextView
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:padding="14dp"
-                android:text="@string/biometric_security_note"
-                android:textAppearance="?attr/textAppearanceBodySmall"
-                android:textColor="?attr/colorOnSecondaryContainer"
-                android:gravity="center" />
-        </com.google.android.material.card.MaterialCardView>
+            android:layout_marginBottom="32dp" />
 
         <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnEnableBiometrics"
-            android:layout_width="match_parent"
-            android:layout_height="56dp"
-            android:text="@string/enable_biometrics"
-            android:layout_marginBottom="8dp" />
-
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnSkipBiometrics"
-            style="@style/Widget.Material3.Button.TextButton"
+            android:id="@+id/btnChangeLock"
+            style="@style/Widget.Material3.Button.OutlinedButton"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:text="@string/skip_biometrics" />
+            android:text="@string/settings_change_lock" />
 
     </LinearLayout>
 

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

@@ -1,226 +1,16 @@
 <?xml version="1.0" encoding="utf-8"?>
 <ScrollView
     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:background="?attr/colorSurface">
 
     <LinearLayout
+        android:id="@+id/settingsList"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="16dp">
-
-        <TextView
-            android:id="@+id/tvLoginsTitle"
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_logins"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginBottom="8dp"
-            android:visibility="gone" />
-
-        <LinearLayout
-            android:id="@+id/loginsContainer"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="vertical" />
-
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnAddAccount"
-            style="@style/Widget.Material3.Button.OutlinedButton"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginTop="8dp"
-            android:layout_marginBottom="24dp"
-            android:text="@string/nav_add_account" />
-
-        <TextView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/theme"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginBottom="12dp" />
-
-        <com.google.android.material.button.MaterialButtonToggleGroup
-            android:id="@+id/themeToggle"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            app:singleSelection="true"
-            app:selectionRequired="true">
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnThemeSystem"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/theme_system" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnThemeLight"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/theme_light" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnThemeDark"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/theme_dark" />
-
-        </com.google.android.material.button.MaterialButtonToggleGroup>
-
-        <TextView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/language"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginTop="24dp"
-            android:layout_marginBottom="12dp" />
-
-        <com.google.android.material.button.MaterialButtonToggleGroup
-            android:id="@+id/languageToggle"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            app:singleSelection="true"
-            app:selectionRequired="true">
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnLangEnglish"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/lang_english" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnLangDhivehi"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/lang_dhivehi" />
-
-        </com.google.android.material.button.MaterialButtonToggleGroup>
-
-        <TextView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_security"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginTop="24dp"
-            android:layout_marginBottom="12dp" />
-
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnChangeLock"
-            style="@style/Widget.Material3.Button.OutlinedButton"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_change_lock" />
-
-        <TextView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_autolock"
-            android:textAppearance="?attr/textAppearanceBodyLarge"
-            android:textColor="?attr/colorOnSurface"
-            android:layout_marginTop="16dp"
-            android:layout_marginBottom="8dp" />
-
-        <com.google.android.material.button.MaterialButtonToggleGroup
-            android:id="@+id/autolockToggle"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            app:singleSelection="true"
-            app:selectionRequired="true">
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnAutolockOff"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/autolock_off" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnAutolock30s"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/autolock_30s" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnAutolock1m"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/autolock_1m" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnAutolock3m"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/autolock_3m" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnAutolock5m"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/autolock_5m" />
-
-        </com.google.android.material.button.MaterialButtonToggleGroup>
-
-        <TextView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_cache"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:layout_marginTop="24dp"
-            android:layout_marginBottom="12dp" />
-
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnClearCache"
-            style="@style/Widget.Material3.Button.OutlinedButton"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:text="@string/settings_clear_cache" />
-
-        <LinearLayout
-            android:id="@+id/rowBiometrics"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:gravity="center_vertical"
-            android:layout_marginTop="16dp"
-            android:visibility="gone">
-
-            <TextView
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/settings_biometrics"
-                android:textAppearance="?attr/textAppearanceBodyLarge"
-                android:textColor="?attr/colorOnSurface" />
-
-            <com.google.android.material.materialswitch.MaterialSwitch
-                android:id="@+id/switchBiometrics"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content" />
-
-        </LinearLayout>
-
-    </LinearLayout>
+        android:paddingTop="8dp"
+        android:paddingBottom="8dp" />
 
 </ScrollView>

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

@@ -0,0 +1,123 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    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:background="?attr/colorSurface">
+
+    <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/settings_navigation"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="12dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/navModeToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="24dp"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavDrawer"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_drawer" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavBottom"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_bottom" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/theme"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="12dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/themeToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeSystem"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_system" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeLight"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_light" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnThemeDark"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/theme_dark" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/language"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginTop="24dp"
+            android:layout_marginBottom="12dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/languageToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnLangEnglish"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/lang_english" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnLangDhivehi"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/lang_dhivehi" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -0,0 +1,39 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:padding="16dp">
+
+        <TextView
+            android:id="@+id/tvLoginsTitle"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_logins"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="8dp"
+            android:visibility="gone" />
+
+        <LinearLayout
+            android:id="@+id/loginsContainer"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnAddAccount"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="8dp"
+            android:text="@string/nav_add_account" />
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -0,0 +1,205 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    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:background="?attr/colorSurface">
+
+    <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/settings_security"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="12dp" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnChangeLock"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_change_lock" />
+
+        <LinearLayout
+            android:id="@+id/rowBiometrics"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:layout_marginTop="16dp">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_biometrics"
+                android:textAppearance="?attr/textAppearanceTitleSmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginBottom="4dp" />
+
+            <TextView
+                android:id="@+id/tvBiometricsHint"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_biometrics_unavailable"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginBottom="8dp"
+                android:visibility="gone" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/settings_biometrics_unlock"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchBiometrics"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical"
+                android:layout_marginTop="8dp">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/settings_biometrics_transfer"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchBiometricsTransfer"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_autolock"
+            android:textAppearance="?attr/textAppearanceBodyLarge"
+            android:textColor="?attr/colorOnSurface"
+            android:layout_marginTop="16dp"
+            android:layout_marginBottom="8dp" />
+
+        <com.google.android.material.button.MaterialButtonToggleGroup
+            android:id="@+id/autolockToggle"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            app:singleSelection="true"
+            app:selectionRequired="true">
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnAutolockOff"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/autolock_off" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnAutolock30s"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/autolock_30s" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnAutolock1m"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/autolock_1m" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnAutolock3m"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/autolock_3m" />
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnAutolock5m"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/autolock_5m" />
+
+        </com.google.android.material.button.MaterialButtonToggleGroup>
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_privacy"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginTop="24dp"
+            android:layout_marginBottom="8dp" />
+
+        <LinearLayout
+            android:id="@+id/rowBlockScreenshots"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:layout_marginBottom="4dp">
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_block_screenshots"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_block_screenshots_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <com.google.android.material.materialswitch.MaterialSwitch
+                android:id="@+id/switchBlockScreenshots"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -0,0 +1,30 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+    <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/settings_cache"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="12dp" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnClearCache"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/settings_clear_cache" />
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -12,28 +12,23 @@
         android:orientation="vertical"
         android:padding="16dp">
 
-        <com.google.android.material.card.MaterialCardView
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            app:cardCornerRadius="16dp"
-            app:cardElevation="0dp"
-            app:strokeWidth="1dp"
-            app:strokeColor="?attr/colorOutlineVariant">
 
-            <LinearLayout
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:orientation="vertical"
-                android:padding="20dp">
+                <!-- From label + account dropdown -->
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:layout_marginBottom="6dp"
+                    android:text="@string/transfer_label_from"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
 
-                <!-- From account dropdown -->
                 <com.google.android.material.textfield.TextInputLayout
                     android:id="@+id/tilFrom"
                     style="@style/Widget.Material3.TextInputLayout.OutlinedBox.ExposedDropdownMenu"
                     android:layout_width="match_parent"
                     android:layout_height="wrap_content"
                     android:hint="@string/transfer_from"
-                    android:layout_marginBottom="16dp">
+                    android:layout_marginBottom="8dp">
 
                     <AutoCompleteTextView
                         android:id="@+id/actvFrom"
@@ -45,7 +40,88 @@
 
                 </com.google.android.material.textfield.TextInputLayout>
 
-                <!-- To field row: input + pick contact button -->
+                <!-- Selected source account info card -->
+                <com.google.android.material.card.MaterialCardView
+                    android:id="@+id/cardFromInfo"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:visibility="gone"
+                    android:layout_marginBottom="16dp"
+                    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:orientation="horizontal"
+                        android:paddingStart="12dp"
+                        android:paddingEnd="4dp"
+                        android:paddingVertical="12dp"
+                        android:gravity="center_vertical">
+
+                        <com.google.android.material.imageview.ShapeableImageView
+                            android:id="@+id/ivFromPhoto"
+                            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/tvFromAccountName"
+                                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/tvFromAccountNumber"
+                                android:layout_width="match_parent"
+                                android:layout_height="wrap_content"
+                                android:layout_marginTop="2dp"
+                                android:textAppearance="?attr/textAppearanceBodySmall"
+                                android:textColor="?attr/colorOnSurfaceVariant"
+                                android:fontFamily="monospace" />
+
+                            <TextView
+                                android:id="@+id/tvFromAccountDetails"
+                                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/btnClearFromInfo"
+                            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>
+
+                <!-- To label + field row: input + pick contact button -->
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:layout_marginBottom="6dp"
+                    android:text="@string/transfer_label_to"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
                 <LinearLayout
                     android:layout_width="match_parent"
                     android:layout_height="wrap_content"
@@ -79,7 +155,8 @@
                         android:layout_height="wrap_content"
                         android:layout_marginStart="8dp"
                         app:icon="@drawable/ic_contacts"
-                        android:contentDescription="@string/transfer_pick_contact" />
+                        android:contentDescription="@string/transfer_pick_contact"
+                        android:tooltipText="@string/transfer_pick_contact" />
 
                     <com.google.android.material.button.MaterialButton
                         android:id="@+id/btnScanQr"
@@ -88,7 +165,8 @@
                         android:layout_height="wrap_content"
                         android:layout_marginStart="4dp"
                         app:icon="@drawable/ic_qr_scan"
-                        android:contentDescription="@string/transfer_scan_qr" />
+                        android:contentDescription="@string/transfer_scan_qr"
+                        android:tooltipText="@string/transfer_scan_qr" />
 
                 </LinearLayout>
 
@@ -98,6 +176,7 @@
                     android:layout_width="match_parent"
                     android:layout_height="wrap_content"
                     android:visibility="gone"
+                    android:layout_marginTop="8dp"
                     app:cardCornerRadius="4dp"
                     app:cardElevation="0dp"
                     app:strokeWidth="1dp"
@@ -155,6 +234,66 @@
 
                 </com.google.android.material.card.MaterialCardView>
 
+                <!-- Service selector: invisible to reserve space, prevents amount/remarks from shifting -->
+                <LinearLayout
+                    android:id="@+id/layoutServiceSelector"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:layout_marginTop="8dp"
+                    android:visibility="invisible">
+
+                    <TextView
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:layout_marginBottom="4dp"
+                        android:text="@string/transfer_select_service"
+                        android:textAppearance="?attr/textAppearanceLabelMedium"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                    <com.google.android.material.chip.ChipGroup
+                        android:id="@+id/chipGroupService"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        app:singleSelection="true"
+                        app:selectionRequired="true">
+
+                        <com.google.android.material.chip.Chip
+                            android:id="@+id/chipDhiraaguReload"
+                            style="@style/Widget.Material3.Chip.Filter"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Dhiraagu Reload"
+                            android:visibility="gone" />
+
+                        <com.google.android.material.chip.Chip
+                            android:id="@+id/chipDhiraaguBill"
+                            style="@style/Widget.Material3.Chip.Filter"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Dhiraagu Bill Pay"
+                            android:visibility="gone" />
+
+                        <com.google.android.material.chip.Chip
+                            android:id="@+id/chipRaastas"
+                            style="@style/Widget.Material3.Chip.Filter"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Raastas"
+                            android:visibility="gone" />
+
+                        <com.google.android.material.chip.Chip
+                            android:id="@+id/chipOoredooBill"
+                            style="@style/Widget.Material3.Chip.Filter"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Ooredoo Bill Pay"
+                            android:visibility="gone" />
+
+                    </com.google.android.material.chip.ChipGroup>
+
+                </LinearLayout>
+
                 <View
                     android:id="@+id/spacerTo"
                     android:layout_width="match_parent"
@@ -203,10 +342,6 @@
                     android:layout_height="wrap_content"
                     android:text="@string/transfer" />
 
-            </LinearLayout>
-
-        </com.google.android.material.card.MaterialCardView>
-
     </LinearLayout>
 
 </androidx.core.widget.NestedScrollView>

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

@@ -1,20 +1,16 @@
 <?xml version="1.0" encoding="utf-8"?>
-<com.google.android.material.card.MaterialCardView
+<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:layout_marginBottom="12dp"
-    app:cardCornerRadius="16dp"
-    app:cardElevation="0dp"
-    app:strokeWidth="1dp"
-    app:strokeColor="?attr/colorOutlineVariant">
+    android:orientation="vertical">
 
     <LinearLayout
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"
-        android:padding="20dp"
+        android:paddingHorizontal="16dp"
+        android:paddingVertical="14dp"
         android:gravity="center_vertical"
         android:foreground="?attr/selectableItemBackground">
 
@@ -43,7 +39,7 @@
 
         </LinearLayout>
 
-        <!-- Right: segmented pill (bank | type | profile) + balance -->
+        <!-- Right: segmented pill (bank | type) + balance -->
         <LinearLayout
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"
@@ -58,41 +54,11 @@
                 android:gravity="center_vertical"
                 android:background="@drawable/pill_segment_bg">
 
-                <TextView
-                    android:id="@+id/tvPillBank"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:paddingStart="12dp"
-                    android:paddingEnd="10dp"
-                    android:paddingVertical="6dp"
-                    android:textAppearance="?attr/textAppearanceLabelSmall"
-                    android:textColor="?attr/colorOnSurface" />
-
-                <View
-                    android:layout_width="1dp"
-                    android:layout_height="16dp"
-                    android:background="?attr/colorOutline" />
-
                 <TextView
                     android:id="@+id/tvPillType"
                     android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-                    android:paddingHorizontal="10dp"
-                    android:paddingVertical="6dp"
-                    android:textAppearance="?attr/textAppearanceLabelSmall"
-                    android:textColor="?attr/colorOnSurface" />
-
-                <View
-                    android:layout_width="1dp"
-                    android:layout_height="16dp"
-                    android:background="?attr/colorOutline" />
-
-                <TextView
-                    android:id="@+id/tvPillProfile"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:paddingStart="10dp"
-                    android:paddingEnd="12dp"
+                    android:paddingHorizontal="12dp"
                     android:paddingVertical="6dp"
                     android:textAppearance="?attr/textAppearanceLabelSmall"
                     android:textColor="?attr/colorOnSurface" />
@@ -111,4 +77,10 @@
 
     </LinearLayout>
 
-</com.google.android.material.card.MaterialCardView>
+    <View
+        android:layout_width="match_parent"
+        android:layout_height="1dp"
+        android:layout_marginHorizontal="16dp"
+        android:background="?attr/colorOutlineVariant" />
+
+</LinearLayout>

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

@@ -92,6 +92,7 @@
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:orientation="horizontal"
+            android:gravity="center_vertical"
             android:layout_marginTop="16dp">
 
             <LinearLayout
@@ -165,6 +166,20 @@
 
             </LinearLayout>
 
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnHeaderTransfer"
+                style="@style/Widget.Material3.Button.IconButton"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:insetTop="0dp"
+                android:insetBottom="0dp"
+                android:minWidth="0dp"
+                android:minHeight="0dp"
+                app:icon="@drawable/ic_send"
+                app:iconSize="20dp"
+                app:iconGravity="textStart"
+                app:iconPadding="0dp" />
+
         </LinearLayout>
 
     </LinearLayout>