card history fix

.idea/deploymentTargetSelector.xml

@@ -3,11 +3,11 @@
   <component name="deploymentTargetSelector">
     <selectionStates>
       <SelectionState runConfigName="app">
-        <option name="selectionMode" value="DIALOG" />
-        <DropdownSelection timestamp="2026-05-15T13:54:16.798188666Z">
+        <option name="selectionMode" value="DROPDOWN" />
+        <DropdownSelection timestamp="2026-05-18T20:24:18.550107339Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="PhysicalDevice" identifier="serial=a703e092" />
+              <DeviceId pluginId="Default" identifier="serial=10.0.1.239:5555;connection=ce61d84c" />
             </handle>
           </Target>
         </DropdownSelection>

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 2
-        versionName = "1.0.3"
+        versionCode = 3
+        versionName = "1.0.4"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }
@@ -73,6 +73,9 @@ dependencies {
     // Coroutines
     implementation("org.jetbrains.kotlinx:kotlinx-coroutines-android:1.7.3")
 
+    // ZXing core for QR code generation
+    implementation("com.google.zxing:core:3.5.3")
+
     // QR scanning — CameraX + zxing-cpp (MIT, same stack as BinaryEye)
     implementation("androidx.camera:camera-core:1.4.2")
     implementation("androidx.camera:camera-camera2:1.4.2")

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

@@ -4,6 +4,8 @@ import android.app.Application
 import androidx.appcompat.app.AppCompatDelegate
 import com.google.android.material.color.DynamicColors
 import kotlinx.coroutines.sync.Mutex
+import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
 import sh.sar.basedbank.api.fahipay.FahipaySession
 import sh.sar.basedbank.api.mib.MibAccount
@@ -17,33 +19,93 @@ class BasedBankApp : Application() {
     // Held in memory after successful login; cleared on logout
     var accounts: List<MibAccount> = emptyList()
     var fullName: String = ""
-    var mibSession: MibSession? = null
-    var mibProfiles: List<MibProfile> = emptyList()
-    /** Active BML sessions keyed by loginId (= BML username). */
+
+    /** Active MIB sessions keyed by loginId (= MIB username). */
+    val mibSessions: MutableMap<String, MibSession> = mutableMapOf()
+    val mibProfilesMap: MutableMap<String, List<MibProfile>> = mutableMapOf()
+    val mibLoginFlows: MutableMap<String, MibLoginFlow> = mutableMapOf()
+    var mibAccounts: List<MibAccount> = emptyList()
+
+    /**
+     * Active BML sessions keyed by profileId (a globally unique GUID per BML profile).
+     * Use [bmlSessionFor] to look up the session for an account.
+     */
     val bmlSessions: MutableMap<String, BmlSession> = mutableMapOf()
+    /** BML profiles per loginId (= BML username). */
+    val bmlProfilesMap: MutableMap<String, List<BmlProfile>> = mutableMapOf()
+    /** BML login flows per loginId — hold the web session (cookies) needed for profile activation. */
+    val bmlLoginFlows: MutableMap<String, BmlLoginFlow> = mutableMapOf()
     var bmlAccounts: List<MibAccount> = emptyList()
-    var fahipaySession: FahipaySession? = null
+
+    /** Active Fahipay sessions keyed by loginId (= profileId). */
+    val fahipaySessions: MutableMap<String, FahipaySession> = mutableMapOf()
     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_")]
+    // ─── MIB helpers ──────────────────────────────────────────────────────────
+
+    /** Returns the MIB session for the given account (matched via loginTag). */
+    fun mibSessionFor(account: MibAccount): MibSession? =
+        mibSessions[account.loginTag.removePrefix("mib_")]
+
+    /** Returns any available MIB session. */
+    fun anyMibSession(): MibSession? = mibSessions.values.firstOrNull()
+
+    /** Returns all MIB profiles across all logins. */
+    fun allMibProfiles(): List<MibProfile> = mibProfilesMap.values.flatten()
+
+    /** Returns the MibLoginFlow for a given loginId, creating and caching it if needed. */
+    fun mibFlowFor(loginId: String): MibLoginFlow =
+        mibLoginFlows.getOrPut(loginId) {
+            MibLoginFlow(CredentialStore(this)).also { flow ->
+                flow.onSessionRefreshed = { session, profiles ->
+                    mibSessions[loginId] = session
+                    mibProfilesMap[loginId] = profiles
+                }
+            }
+        }
+
+    /** Returns any available MibLoginFlow. */
+    fun anyMibFlow(): MibLoginFlow? = mibLoginFlows.values.firstOrNull()
+
+    // ─── BML helpers ──────────────────────────────────────────────────────────
+
+    /**
+     * Returns the BML session for the given account.
+     * Looks up by profileId first (multi-profile), falls back to loginId (legacy single-profile).
+     */
+    fun bmlSessionFor(account: MibAccount): BmlSession? {
+        val byProfile = if (account.profileId.isNotBlank()) bmlSessions[account.profileId] else null
+        return byProfile ?: bmlSessions[account.loginTag.removePrefix("bml_")]
+    }
 
     /** Returns any available BML session (for non-account-specific operations). */
     fun anyBmlSession(): BmlSession? = bmlSessions.values.firstOrNull()
 
+    /**
+     * Returns any active BML session for the given loginId.
+     * Tries all profiles for that login; falls back to legacy loginId key.
+     */
+    fun anyBmlSessionFor(loginId: String): BmlSession? {
+        val profiles = bmlProfilesMap[loginId]
+        if (!profiles.isNullOrEmpty()) {
+            return profiles.firstNotNullOfOrNull { bmlSessions[it.profileId] }
+        }
+        return bmlSessions[loginId]
+    }
+
+    /** Returns the BmlLoginFlow for a given loginId, creating and caching it if needed. */
+    fun bmlFlowFor(loginId: String): BmlLoginFlow =
+        bmlLoginFlows.getOrPut(loginId) { BmlLoginFlow() }
+
+    // ─── Fahipay helpers ──────────────────────────────────────────────────────
+
+    /** Returns the Fahipay session for the given account (matched via loginTag = "fahipay_${profileId}"). */
+    fun fahipaySessionFor(account: MibAccount): FahipaySession? =
+        fahipaySessions[account.loginTag.removePrefix("fahipay_")]
+
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */
     val mibMutex = Mutex()
 
-    val mibLoginFlow by lazy {
-        MibLoginFlow(CredentialStore(this)).also { flow ->
-            flow.onSessionRefreshed = { session, profiles ->
-                mibSession = session
-                mibProfiles = profiles
-            }
-        }
-    }
-
     override fun onCreate() {
         super.onCreate()
         DynamicColors.applyToActivitiesIfAvailable(this)

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

@@ -29,9 +29,9 @@ class BmlLoginFlow {
     private val BASE_URL = "https://www.bankofmaldives.com.mv/internetbanking"
     private val CLIENT_ID = "98C83590-513F-4716-B02B-EC68B7D9E7E7"
     private val REDIRECT_URI = "https://app.bankofmaldives.com.mv/oauth/mobile-callback"
-    private val APP_USER_AGENT = "bml-mobile-banking/345 (POCO; Android 14; 22101320I)"
-    private val APP_VERSION = "2.1.43.345"
-    private val WEB_USER_AGENT = "Mozilla/5.0 (X11; Linux x86_64; rv:150.0) Gecko/20100101 Firefox/150.0"
+    private val APP_USER_AGENT = "bml-mobile-banking/348 (POCO; Android 14; 22101320I)"
+    private val APP_VERSION = "2.1.44.348"
+    private val WEB_USER_AGENT = "Mozilla/5.0 (Android 14; Mobile; rv:150.0) Gecko/150.0 Firefox/150.0"
 
     private val cookieStore = mutableMapOf<String, MutableList<Cookie>>()
     private val cookieJar = object : CookieJar {
@@ -58,9 +58,27 @@ class BmlLoginFlow {
         .readTimeout(30, TimeUnit.SECONDS)
         .build()
 
-    /** Full login: returns a BmlSession and the account list. */
-    fun login(username: String, password: String, otpSeed: String): Pair<BmlSession, List<MibAccount>> {
-        // Step 1: GET login page — seeds XSRF-TOKEN + blaze_session cookies
+    /** PKCE params — generated once per login and reused across all profile activations. */
+    private var codeVerifier: String = ""
+    private var codeChallenge: String = ""
+    private var deviceId: String = ""
+
+    /** Profiles returned by the last successful [login] call. */
+    var lastProfiles: List<BmlProfile> = emptyList()
+        private set
+
+    // ─── Login ────────────────────────────────────────────────────────────────
+
+    /**
+     * Performs web authentication (login + TOTP) and returns the list of available profiles.
+     * Call [activateProfile] for each profile to obtain an access token + accounts.
+     */
+    fun login(username: String, password: String, otpSeed: String): List<BmlProfile> {
+        codeVerifier = generateCodeVerifier()
+        codeChallenge = generateCodeChallenge(codeVerifier)
+        deviceId = generateDeviceId()
+
+        // Step 1: GET login page — seeds XSRF-TOKEN + blaze_session
         client.newCall(
             Request.Builder().url("$BASE_URL/web/login")
                 .header("User-Agent", WEB_USER_AGENT).build()
@@ -82,15 +100,14 @@ class BmlLoginFlow {
         loginResp.close()
         if (loginResp.code != 302) throw Exception("Login failed — check your username/password")
 
-        // Step 3: GET 2FA page (refreshes blaze_session)
+        // Step 3: GET 2FA page (refreshes session cookies)
         client.newCall(
             Request.Builder().url("$BASE_URL/web/login/2fa")
-                .header("X-XSRF-TOKEN", xsrf)
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute().close()
         val xsrf2 = xsrfToken() ?: xsrf
 
-        // Step 4: POST OTP
+        // Step 4: POST TOTP
         val otp = Totp.generate(otpSeed)
         val twoFaBody = JSONObject().apply {
             put("code", otp)
@@ -104,18 +121,161 @@ class BmlLoginFlow {
         twoFaResp.close()
         if (twoFaResp.code != 302) throw Exception("OTP verification failed — check your OTP seed")
 
-        // Step 5: GET /web/profile (sets blaze_identity cookie for profile selection)
-        client.newCall(
+        // Step 5: GET /web/profile — multi-profile accounts return a 200 with a profile picker;
+        // single-profile accounts skip the picker and redirect straight to /web/redirect with
+        // blaze_identity already set in the response cookies.
+        val profileResp = client.newCall(
             Request.Builder().url("$BASE_URL/web/profile")
-                .header("X-XSRF-TOKEN", xsrf2)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val profileCode = profileResp.code
+        val profileLocation = profileResp.header("Location") ?: ""
+        val profileBody = profileResp.body?.string() ?: ""
+        profileResp.close()
+
+        lastProfiles = if (profileCode == 302) {
+            // Any 302 from GET /web/profile means the server auto-activated the sole profile
+            // and blaze_identity is already set — no profile picker shown.
+            // Use username as a stable temporary profileId (unique per login); it will be
+            // replaced by the real BML customer ID after fetchUserInfo in finishBmlLogin().
+            listOf(BmlProfile(profileId = username, name = "Personal", type = "Profile", profileType = "default", autoActivated = true))
+        } else {
+            parseProfiles(profileBody)
+        }
+        return lastProfiles
+    }
+
+    // ─── Profile activation ───────────────────────────────────────────────────
+
+    /**
+     * Activates a profile in the current web session and returns the result.
+     *
+     * - Personal profiles (profile_type="default") succeed immediately and return [BmlActivationResult.Success].
+     * - Business profiles (profile_type="business") require SMS/email OTP; returns
+     *   [BmlActivationResult.NeedsBusinessOtp] with available channels. Follow up with
+     *   [requestBusinessOtp] + [submitBusinessOtp].
+     */
+    fun activateProfile(profile: BmlProfile, loginTag: String): BmlActivationResult {
+        // Single-profile accounts: server already activated during login() and set blaze_identity.
+        // autoActivated=true is the sentinel for this case — skip the profile GET entirely.
+        if (profile.autoActivated) {
+            val (session, accounts) = doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+            return BmlActivationResult.Success(session, accounts)
+        }
+
+        val xsrf = xsrfToken()
+        val reqBuilder = Request.Builder()
+            .url("$BASE_URL/web/profile/${profile.profileId}")
+            .header("User-Agent", WEB_USER_AGENT)
+        if (xsrf != null) reqBuilder.header("X-XSRF-TOKEN", xsrf)
+
+        val resp = client.newCall(reqBuilder.build()).execute()
+        val code = resp.code
+        val location = resp.header("Location") ?: ""
+        resp.close()
+
+        return when {
+            code == 409 || (code == 302 && "/web/profile/2fa/business" !in location) -> {
+                // Profile activated — blaze_identity cookie set in response headers.
+                // Any 302 that isn't to the business 2FA page means success.
+                val (session, accounts) = doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+                BmlActivationResult.Success(session, accounts)
+            }
+            code == 302 && "/web/profile/2fa/business" in location -> {
+                // Business profile: server requires SMS/email OTP
+                val channels = fetchBusinessOtpChannels()
+                BmlActivationResult.NeedsBusinessOtp(channels)
+            }
+            else -> throw Exception("Profile activation failed (HTTP $code)")
+        }
+    }
+
+    /**
+     * Returns available OTP channels for the business 2FA page.
+     * Also refreshes cookies so the subsequent POST has a valid XSRF token.
+     */
+    private fun fetchBusinessOtpChannels(): List<BmlOtpChannel> {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business")
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val body = resp.body?.string() ?: ""
+        resp.close()
+        return parseBusinessOtpChannels(body)
+    }
+
+    /**
+     * Sends an OTP to [channel] for business profile activation.
+     * Must be called before [submitBusinessOtp].
+     */
+    fun requestBusinessOtp(channel: String) {
+        val xsrf = xsrfToken() ?: throw Exception("Session expired — please log in again")
+        val body = JSONObject().apply {
+            put("code", "")
+            put("channel", channel)
+        }.toString().toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business").post(body)
+                .header("X-XSRF-TOKEN", xsrf)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val respCode = resp.code
+        resp.close()
+        if (respCode != 302) throw Exception("Failed to request OTP (HTTP $respCode)")
+    }
+
+    /**
+     * Verifies the OTP and activates the business profile.
+     * Returns a new [BmlSession] and accounts on success.
+     * @throws Exception if the OTP is invalid (retry is allowed).
+     */
+    fun submitBusinessOtp(
+        channel: String,
+        code: String,
+        profile: BmlProfile,
+        loginTag: String
+    ): Pair<BmlSession, List<MibAccount>> {
+        // Refresh XSRF token before submitting
+        client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business")
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute().close()
 
-        // Step 6: PKCE OAuth authorize → extract auth code
-        val codeVerifier = generateCodeVerifier()
-        val codeChallenge = generateCodeChallenge(codeVerifier)
-        val deviceId = generateDeviceId()
+        val xsrf = xsrfToken() ?: throw Exception("Session expired — please log in again")
+        val body = JSONObject().apply {
+            put("code", code)
+            put("channel", channel)
+        }.toString().toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business").post(body)
+                .header("X-XSRF-TOKEN", xsrf)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val respCode = resp.code
+        val location = resp.header("Location") ?: ""
+        resp.close()
 
+        return when {
+            respCode == 409 || (respCode == 302 && "/web/redirect" in location) ->
+                doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+            respCode == 302 ->
+                throw Exception("Invalid OTP — please try again")
+            else ->
+                throw Exception("Business OTP verification failed (HTTP $respCode)")
+        }
+    }
+
+    // ─── OAuth + account fetch ────────────────────────────────────────────────
+
+    /**
+     * Completes PKCE OAuth for the currently activated profile (blaze_identity cookie set).
+     * Returns a fresh [BmlSession] and the profile's accounts.
+     */
+    private fun doOAuthAndFetchAccounts(
+        loginTag: String,
+        profileName: String,
+        profileId: String
+    ): Pair<BmlSession, List<MibAccount>> {
         val authorizeUrl = HttpUrl.Builder()
             .scheme("https").host("www.bankofmaldives.com.mv")
             .addPathSegments("internetbanking/oauth/authorize")
@@ -135,14 +295,12 @@ class BmlLoginFlow {
             Request.Builder().url(authorizeUrl)
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute()
+        val location = authorizeResp.header("Location")
         authorizeResp.close()
 
-        val location = authorizeResp.header("Location")
-            ?: throw Exception("OAuth authorize did not redirect")
-        val authCode = Uri.parse(location).getQueryParameter("code")
-            ?: throw Exception("No auth code in OAuth redirect")
+        val authCode = location?.let { Uri.parse(it).getQueryParameter("code") }
+            ?: throw Exception("OAuth authorize did not return auth code")
 
-        // Step 7: Exchange auth code for access token
         val tokenBody = FormBody.Builder()
             .add("Device-ID", deviceId)
             .add("code", authCode)
@@ -161,22 +319,28 @@ class BmlLoginFlow {
         val tokenJson = tokenResp.body?.string() ?: throw Exception("Empty token response")
         tokenResp.close()
 
-        val tokenObj = JSONObject(tokenJson)
-        val accessToken = tokenObj.optString("access_token")
+        val accessToken = JSONObject(tokenJson).optString("access_token")
             .takeIf { it.isNotBlank() } ?: throw Exception("Token exchange failed")
 
         val session = BmlSession(accessToken = accessToken, deviceId = deviceId)
-        val accounts = fetchAccounts(session, "bml_$username")
+        val accounts = fetchAccounts(session, loginTag, profileName, profileId)
         return Pair(session, accounts)
     }
 
-    fun fetchAccounts(session: BmlSession, loginTag: String): List<MibAccount> {
+    // ─── API methods ─────────────────────────────────────────────────────────
+
+    fun fetchAccounts(
+        session: BmlSession,
+        loginTag: String,
+        profileName: String = "Personal",
+        profileId: 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(), loginTag)
+        return parseDashboard(json ?: return emptyList(), loginTag, profileName, profileId)
     }
 
     fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
@@ -331,9 +495,6 @@ class BmlLoginFlow {
         return parseContacts(json, loginId)
     }
 
-    /**
-     * Step 1 of BML transfer: POST without OTP. Returns true if server responds code=22 (OTP ready).
-     */
     fun initiateTransfer(
         session: BmlSession,
         debitAccount: String,
@@ -370,9 +531,6 @@ class BmlLoginFlow {
         }
     }
 
-    /**
-     * Step 2 of BML transfer: POST with OTP + remarks. Returns BmlTransferResult.
-     */
     fun confirmTransfer(
         session: BmlSession,
         debitAccount: String,
@@ -440,32 +598,6 @@ class BmlLoginFlow {
         }
     }
 
-    // "12-05-2026 041675" → first 4 digits of time part as HH:mm
-    private fun parsePurchaseNarrative1(narrative1: String): String? {
-        return try {
-            val parts = narrative1.split(" ")
-            if (parts.size < 2) null
-            else {
-                val timePart = parts[1].take(4)
-                val combined = "${parts[0]} ${timePart.take(2)}:${timePart.drop(2)}:00"
-                val date = SimpleDateFormat("dd-MM-yyyy HH:mm:ss", Locale.US).parse(combined)
-                date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
-            }
-        } catch (_: Exception) { null }
-    }
-
-    // "11-04-2026 13-17-08" → yyyy-MM-dd HH:mm:ss
-    private fun parseTransferNarrative1(narrative1: String): String? {
-        return try {
-            val date = SimpleDateFormat("dd-MM-yyyy HH-mm-ss", Locale.US).parse(narrative1)
-            date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
-        } catch (_: Exception) { null }
-    }
-
-    /**
-     * Fetches paginated transaction history for a BML CASA account.
-     * @return Pair of (transactions, totalPages)
-     */
     fun fetchAccountHistory(
         session: BmlSession,
         accountId: String,
@@ -516,10 +648,6 @@ class BmlLoginFlow {
         } catch (_: Exception) { Pair(emptyList(), 0) }
     }
 
-    /**
-     * Fetches card statement for a BML prepaid card for the given month ("YYYYMM").
-     * Returns combined outstanding authorizations + settled statement entries.
-     */
     fun fetchCardHistory(
         session: BmlSession,
         cardId: String,
@@ -546,7 +674,6 @@ class BmlLoginFlow {
             val payload = root.optJSONObject("payload") ?: return emptyList()
             val result = mutableListOf<Transaction>()
 
-            // Outstanding authorizations
             val authDetails = payload.optJSONObject("outstanding")
                 ?.optJSONArray("CardOutStdAuthDetails")
             if (authDetails != null) {
@@ -567,7 +694,26 @@ class BmlLoginFlow {
                 }
             }
 
-            // Settled statement entries
+            val unbilled = payload.optJSONObject("unbilled")
+                ?.optJSONArray("CardUnbillTxnDetails")
+            if (unbilled != null) {
+                for (i in 0 until unbilled.length()) {
+                    val item = unbilled.getJSONObject(i)
+                    result.add(Transaction(
+                        id = "unbilled_${item.optString("TranApprCode")}_$i",
+                        date = item.optString("DateTime"),
+                        description = item.optString("TranDesc").trim(),
+                        amount = item.optDouble("BillingAmount", 0.0),
+                        currency = item.optString("BillingCcy", "MVR"),
+                        counterpartyName = null,
+                        reference = item.optString("TranApprCode").takeIf { it.isNotBlank() },
+                        accountNumber = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source = "BML_CARD"
+                    ))
+                }
+            }
+
             val statement = payload.optJSONArray("cardstatement")
             if (statement != null) {
                 for (i in 0 until statement.length()) {
@@ -590,14 +736,64 @@ class BmlLoginFlow {
         } catch (_: Exception) { emptyList() }
     }
 
-    private fun apiRequest(session: BmlSession, url: String) =
-        Request.Builder().url(url)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .build()
+    // ─── Parsing ──────────────────────────────────────────────────────────────
 
-    private fun parseDashboard(json: String, loginTag: String): List<MibAccount> {
+    /**
+     * BML web responses are Inertia.js pages — the data is embedded as HTML-escaped JSON
+     * in the `data-page="..."` attribute of the root div. This extracts and unescapes it.
+     */
+    private fun extractInertiaJson(html: String): String? {
+        val match = Regex("""data-page="([^"]+)"""").find(html) ?: return null
+        return match.groupValues[1]
+            .replace("&quot;", "\"")
+            .replace("&amp;", "&")
+            .replace("&#39;", "'")
+            .replace("&lt;", "<")
+            .replace("&gt;", ">")
+    }
+
+    private fun parseProfiles(html: String): List<BmlProfile> {
+        return try {
+            val json = extractInertiaJson(html) ?: html
+            val root = JSONObject(json)
+            val props = root.optJSONObject("props") ?: return emptyList()
+            val profiles = props.optJSONArray("profiles") ?: return emptyList()
+            (0 until profiles.length()).mapNotNull { i ->
+                val p = profiles.getJSONObject(i)
+                val profileObj = p.optJSONObject("profile") ?: return@mapNotNull null
+                BmlProfile(
+                    profileId = p.optString("profile_id"),
+                    name = p.optString("name"),
+                    type = p.optString("type"),
+                    profileType = profileObj.optString("profile_type", "default")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    private fun parseBusinessOtpChannels(html: String): List<BmlOtpChannel> {
+        return try {
+            val json = extractInertiaJson(html) ?: html
+            val root = JSONObject(json)
+            val props = root.optJSONObject("props") ?: return emptyList()
+            val channels = props.optJSONArray("channels") ?: return emptyList()
+            (0 until channels.length()).map { i ->
+                val c = channels.getJSONObject(i)
+                BmlOtpChannel(
+                    channel = c.optString("channel"),
+                    description = c.optString("description"),
+                    masked = c.optString("masked")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    private fun parseDashboard(
+        json: String,
+        loginTag: String,
+        profileName: String = "Personal",
+        profileId: String = ""
+    ): List<MibAccount> {
         val root = JSONObject(json)
         if (!root.optBoolean("success")) return emptyList()
         val dashboard = root.optJSONObject("payload")?.optJSONArray("dashboard") ?: return emptyList()
@@ -612,13 +808,13 @@ class BmlLoginFlow {
             val product = item.optString("product")
             val accountNumber = item.optString("account")
             val status = item.optString("account_status", "Active")
-
             val internalId = item.optString("id", "")
 
             if (accountType == "CASA") {
                 val available = item.optDouble("availableBalance", 0.0)
                 casaAccounts.add(MibAccount(
-                    profileName = "Personal",
+                    bank        = "BML",
+                    profileName = profileName,
                     profileType = "BML",
                     accountNumber = accountNumber,
                     accountBriefName = item.optString("alias"),
@@ -631,17 +827,19 @@ class BmlLoginFlow {
                     statusDesc = status,
                     profileImageHash = null,
                     loginTag = loginTag,
+                    profileId = profileId,
                     internalId = internalId
                 ))
             } else if (accountType == "Card") {
                 val isVisible = item.optBoolean("account_visible", false)
-                if (!isVisible) continue   // debit cards and other hidden cards — skip
+                if (!isVisible) continue
                 val isPrepaid = item.optBoolean("prepaid_card", false)
                 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",
+                    bank        = "BML",
+                    profileName = profileName,
                     profileType = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
                     accountNumber = accountNumber,
                     accountBriefName = item.optString("alias").ifBlank { product },
@@ -654,6 +852,7 @@ class BmlLoginFlow {
                     statusDesc = status,
                     profileImageHash = null,
                     loginTag = loginTag,
+                    profileId = profileId,
                     internalId = internalId
                 ))
             }
@@ -721,6 +920,15 @@ class BmlLoginFlow {
         return result
     }
 
+    // ─── Helpers ──────────────────────────────────────────────────────────────
+
+    private fun apiRequest(session: BmlSession, url: String) =
+        Request.Builder().url(url)
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", APP_USER_AGENT)
+            .header("x-app-version", APP_VERSION)
+            .build()
+
     private fun xsrfToken(): String? =
         cookieStore["www.bankofmaldives.com.mv"]?.firstOrNull { it.name == "XSRF-TOKEN" }?.value
 
@@ -746,4 +954,26 @@ class BmlLoginFlow {
         SecureRandom().nextBytes(bytes)
         return bytes.joinToString("") { "%02x".format(it) }
     }
+
+    // "12-05-2026 041675" → first 4 digits of time part as HH:mm
+    private fun parsePurchaseNarrative1(narrative1: String): String? {
+        return try {
+            val parts = narrative1.split(" ")
+            if (parts.size < 2) null
+            else {
+                val timePart = parts[1].take(4)
+                val combined = "${parts[0]} ${timePart.take(2)}:${timePart.drop(2)}:00"
+                val date = SimpleDateFormat("dd-MM-yyyy HH:mm:ss", Locale.US).parse(combined)
+                date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
+            }
+        } catch (_: Exception) { null }
+    }
+
+    // "11-04-2026 13-17-08" → yyyy-MM-dd HH:mm:ss
+    private fun parseTransferNarrative1(narrative1: String): String? {
+        return try {
+            val date = SimpleDateFormat("dd-MM-yyyy HH-mm-ss", Locale.US).parse(narrative1)
+            date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
+        } catch (_: Exception) { null }
+    }
 }

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

@@ -1,10 +1,36 @@
 package sh.sar.basedbank.api.bml
 
+import sh.sar.basedbank.api.mib.MibAccount
+
 data class BmlSession(
     val accessToken: String,
     val deviceId: String
 )
 
+data class BmlProfile(
+    val profileId: String,
+    val name: String,
+    val type: String,           // "Profile" (personal) or "Business"
+    val profileType: String,    // "default" or "business"
+    val autoActivated: Boolean = false  // true for single-profile accounts where server skips the picker
+)
+
+data class BmlOtpChannel(
+    val channel: String,
+    val description: String,
+    val masked: String
+)
+
+sealed class BmlActivationResult {
+    data class Success(
+        val session: BmlSession,
+        val accounts: List<MibAccount>
+    ) : BmlActivationResult()
+    data class NeedsBusinessOtp(
+        val channels: List<BmlOtpChannel>
+    ) : BmlActivationResult()
+}
+
 data class BmlAccountValidation(
     val trnType: String,         // IAT, QTR, DOT
     val validationType: String,  // BML, alias, MIB

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

@@ -186,6 +186,7 @@ class FahipayLoginFlow {
 
     fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): MibAccount =
         MibAccount(
+            bank        = "FAHIPAY",
             profileName = profile.fullName.ifBlank { "Fahipay" },
             profileType = "FAHIPAY",
             accountNumber = profile.walletAccount,

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

@@ -29,6 +29,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
     var onSessionRefreshed: ((MibSession, List<MibProfile>) -> Unit)? = null
 
     // Stored after login so the session can be silently recovered on 419
+    @Volatile private var loginId: String = ""
     @Volatile private var storedUsername: String? = null
     @Volatile private var storedPasswordHash: String? = null
     @Volatile private var storedOtpSeed: String? = null
@@ -58,11 +59,12 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
      * Returns list of accounts from all profiles on success.
      */
     fun login(username: String, passwordHash: String, otpSeed: String): List<MibAccount> {
+        loginId = username
         storedUsername = username
         storedPasswordHash = passwordHash
         storedOtpSeed = otpSeed
         val appId = getOrCreateAppId()
-        val keys = credentialStore.loadMibKeys()
+        val keys = credentialStore.loadMibKeys(loginId)
 
         return if (keys != null) {
             regularLogin(username, passwordHash, appId, keys.first, keys.second)
@@ -106,7 +108,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         val keyData = otpResp.getJSONArray("data").getJSONObject(0)
         val key1 = keyData.getString("key1")
         val key2 = keyData.getString("key2")
-        credentialStore.saveMibKeys(key1, key2)
+        credentialStore.saveMibKeys(loginId, key1, key2)
 
         return regularLogin(username, passwordHash, appId, key1, key2)
     }
@@ -136,10 +138,52 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         }
 
         val profiles = parseProfiles(loginResp)
-
         lastSession = session2
-        lastProfiles = profiles
-        return fetchAllProfiles(session2, profiles, "mib_$username")
+        lastProfiles = profiles  // keep ALL profiles so settings can show them all
+
+        val hidden = credentialStore.getHiddenMibProfileIds(loginId)
+
+        // When the server already selected the profile and returned balances in A41
+        // (single-profile case: profileSelected=true), use those accounts directly
+        // without making an extra P47 call (which the server ignores or rejects).
+        if (loginResp.optBoolean("profileSelected", false)) {
+            val a41Balances = loginResp.optJSONArray("accountBalance")
+            if (a41Balances != null && a41Balances.length() > 0) {
+                val selectedId = loginResp.optString("selectedProfileId")
+                val profile = profiles.firstOrNull { it.profileId == selectedId }
+                    ?: profiles.firstOrNull()
+                if (profile != null && (hidden.isEmpty() || profile.profileId !in hidden)) {
+                    val allAccounts = mutableListOf<MibAccount>()
+                    for (i in 0 until a41Balances.length()) {
+                        val a = a41Balances.getJSONObject(i)
+                        allAccounts.add(
+                            MibAccount(
+                                bank             = "MIB",
+                                profileName      = profile.name,
+                                profileType      = profile.profileType,
+                                cifType          = profile.cifType,
+                                accountNumber    = a.optString("accountNumber"),
+                                accountBriefName = a.optString("accountBriefName"),
+                                currencyName     = a.optString("currencyName"),
+                                accountTypeName  = a.optString("accountTypeName"),
+                                availableBalance = a.optString("availableBalance"),
+                                currentBalance   = a.optString("currentBalance"),
+                                blockedAmount    = a.optString("blockedAmount"),
+                                mvrBalance       = a.optString("mvrBalance"),
+                                statusDesc       = a.optString("statusDesc"),
+                                profileImageHash = profile.customerImage,
+                                loginTag         = "mib_$username",
+                                profileId        = profile.profileId
+                            )
+                        )
+                    }
+                    return allAccounts
+                }
+            }
+        }
+
+        val visibleProfiles = if (hidden.isEmpty()) profiles else profiles.filter { it.profileId !in hidden }
+        return fetchAllProfiles(session2, visibleProfiles, "mib_$username")
     }
 
     // ─── Helpers ─────────────────────────────────────────────────────────────
@@ -271,8 +315,10 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
                 val a = accountBalances.getJSONObject(i)
                 allAccounts.add(
                     MibAccount(
+                        bank        = "MIB",
                         profileName = profile.name,
                         profileType = profile.profileType,
+                        cifType     = profile.cifType,
                         accountNumber = a.optString("accountNumber"),
                         accountBriefName = a.optString("accountBriefName"),
                         currencyName = a.optString("currencyName"),
@@ -389,11 +435,11 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
     private fun generateOtp(seed: String): String = Totp.generate(seed)
 
     private fun getOrCreateAppId(): String {
-        var id = credentialStore.loadMibAppId()
+        var id = credentialStore.loadMibAppId(loginId)
         if (id == null) {
             val chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789"
             id = "IOS17.2-" + (1..15).map { chars[Random.nextInt(chars.length)] }.joinToString("")
-            credentialStore.saveMibAppId(id)
+            credentialStore.saveMibAppId(loginId, id)
         }
         return id
     }

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

@@ -20,8 +20,10 @@ data class MibProfile(
 )
 
 data class MibAccount(
+    val bank: String,             // "MIB", "BML", "FAHIPAY" — set by the login flow
     val profileName: String,
     val profileType: String,
+    val cifType: String = "",     // MIB: human-readable profile category (e.g. "Individual", "Sole Propr"); empty for other banks
     val accountNumber: String,
     val accountBriefName: String,
     val currencyName: String,

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

@@ -11,6 +11,7 @@ import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import sh.sar.basedbank.api.mib.MibAccount
 import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.util.AccountHistoryDisplay
 import sh.sar.basedbank.databinding.ItemAccountHistoryHeaderBinding
 import sh.sar.basedbank.databinding.ItemDateHeaderBinding
 import sh.sar.basedbank.databinding.ItemLoadingFooterBinding
@@ -20,7 +21,8 @@ import java.util.Date
 import java.util.Locale
 
 class AccountHistoryAdapter(
-    private val account: MibAccount
+    private val account: MibAccount,
+    private val display: AccountHistoryDisplay
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
@@ -35,6 +37,17 @@ class AccountHistoryAdapter(
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
     var onTransferClick: ((MibAccount) -> Unit)? = null
+    private var hideAmounts: Boolean = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyItemChanged(0) // refresh header card
+        // refresh all transaction rows
+        for (i in displayItems.indices) {
+            if (displayItems[i] is Item.Trx) notifyItemChanged(i + 1)
+        }
+    }
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -138,7 +151,7 @@ class AccountHistoryAdapter(
 
     override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
         when (holder) {
-            is HeaderVH -> holder.bind(account)
+            is HeaderVH -> holder.bind(display)
             is DateHeaderVH -> holder.bind((displayItems[position - 1] as Item.DateHeader).label)
             is TransactionVH -> holder.bind((displayItems[position - 1] as Item.Trx).transaction)
             else -> Unit
@@ -147,37 +160,20 @@ class AccountHistoryAdapter(
 
     inner class HeaderVH(private val b: ItemAccountHistoryHeaderBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(acc: MibAccount) {
-            b.tvHeaderAccountName.text = acc.accountBriefName
-            b.tvHeaderAccountNumber.text = acc.accountNumber
-            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} ${acc.currentBalance}"
-            val blocked = acc.blockedAmount.toDoubleOrNull() ?: 0.0
-            if (blocked > 0.0) {
-                b.tvHeaderBlocked.text = "${acc.currencyName} ${acc.blockedAmount}"
+        fun bind(d: AccountHistoryDisplay) {
+            b.tvHeaderAccountName.text   = d.name
+            b.tvHeaderAccountNumber.text = d.number
+            b.tvHeaderPillBank.text      = d.bankPill
+            b.tvHeaderPillType.text      = d.typeLabel
+            b.tvHeaderAvailable.text     = if (hideAmounts) maskAmount(d.availableBalance) else d.availableBalance
+            b.tvHeaderBalance.text       = if (hideAmounts) maskAmount(d.workingBalance) else d.workingBalance
+            if (d.blockedBalance != null) {
+                b.tvHeaderBlocked.text       = if (hideAmounts) maskAmount(d.blockedBalance) else d.blockedBalance
                 b.llHeaderBlocked.visibility = View.VISIBLE
             } else {
                 b.llHeaderBlocked.visibility = View.GONE
             }
-            b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(acc) }
-        }
-
-        private fun friendlyType(raw: String): String {
-            val u = raw.trim().uppercase()
-            return when {
-                u.contains("SAVING") -> "Savings"
-                u.contains("CURRENT") -> "Current"
-                u.contains("WADIAH") -> "Islamic"
-                u.contains("VISA") || u.contains("MASTERCARD") || u.contains("AMEX") -> "Card"
-                u.contains("PREPAID") -> "Prepaid"
-                else -> raw.trim().take(12)
-            }
+            b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(account) }
         }
     }
 
@@ -226,12 +222,17 @@ class AccountHistoryAdapter(
 
             b.tvDate.text = formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
-            b.tvAmount.setTextColor(
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
-            )
+            if (hideAmounts) {
+                b.tvAmount.text = "${trx.currency} ••••••"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
+            } else {
+                val sign = if (isCredit) "+" else "-"
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }
@@ -297,6 +298,11 @@ class AccountHistoryAdapter(
             return FULL_DATE_FMT.format(date)
         }
 
+        fun maskAmount(formatted: String): String {
+            val currency = formatted.substringBefore(' ', formatted)
+            return "$currency ••••••"
+        }
+
         fun sourceColor(source: String) = when (source) {
             "MIB" -> "#FE860E"
             "BML", "BML_CARD" -> "#0066A1"

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

@@ -10,6 +10,8 @@ import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.lifecycle.lifecycleScope
@@ -17,23 +19,18 @@ import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
 import kotlinx.coroutines.Dispatchers
 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
 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.AccountHistoryParser
 import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.HistoryFetcher
 import sh.sar.basedbank.util.MerchantIconCache
-import java.text.SimpleDateFormat
-import java.util.Calendar
-import java.util.Locale
 
 class AccountHistoryFragment : Fragment() {
 
@@ -43,21 +40,13 @@ class AccountHistoryFragment : Fragment() {
 
     private lateinit var adapter: AccountHistoryAdapter
     private lateinit var account: MibAccount
+    private lateinit var fetcher: HistoryFetcher
 
     private val allTransactions = mutableListOf<Transaction>()
     private var searchQuery = ""
     private var firstPageDone = false
     private val pendingImageNames = mutableSetOf<String>()
     private val pendingIconUrls = mutableSetOf<String>()
-
-    // Pagination state
-    private var mibNextStart = 1
-    private var mibTotalCount = -1   // -1 = unknown; loaded on first fetch
-    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
 
@@ -79,15 +68,29 @@ class AccountHistoryFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         val accountNumber = requireArguments().getString(ARG_ACCOUNT_NUMBER) ?: return
         account = viewModel.accounts.value?.find { it.accountNumber == accountNumber } ?: return
+        fetcher = HistoryFetcher(account)
 
-        adapter = AccountHistoryAdapter(account)
+        val historyDisplay = AccountHistoryParser.from(account) ?: return
+        adapter = AccountHistoryAdapter(account, historyDisplay)
         adapter.onImageNeeded = { name -> loadContactImage(name) }
         adapter.onIconUrlNeeded = { url -> loadMerchantIcon(url) }
         adapter.onTransferClick = { acc ->
             (activity as? HomeActivity)?.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFrom(acc))
         }
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
+
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
         binding.recyclerView.addOnScrollListener(object : RecyclerView.OnScrollListener() {
             override fun onScrolled(rv: RecyclerView, dx: Int, dy: Int) {
                 if (dy <= 0 || isLoading) return
@@ -104,11 +107,10 @@ class AccountHistoryFragment : Fragment() {
             override fun afterTextChanged(s: Editable?) {
                 searchQuery = s?.toString()?.trim() ?: ""
                 filterAndDisplay()
-                if (searchQuery.isNotBlank() && hasMore() && !isLoading) loadNextPage()
+                if (searchQuery.isNotBlank() && fetcher.hasMore() && !isLoading) loadNextPage()
             }
         })
 
-        // Load cache immediately, then fetch fresh data in background
         val cached = TransactionCache.load(requireContext(), account.accountNumber)
         if (cached.isNotEmpty()) {
             allTransactions.addAll(cached)
@@ -133,19 +135,8 @@ class AccountHistoryFragment : Fragment() {
         binding.emptyView.visibility = if (filtered.isEmpty() && !isLoading) View.VISIBLE else View.GONE
     }
 
-    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
-    }
-
     private fun loadNextPage() {
-        if (isLoading || !hasMore()) return
+        if (isLoading || !fetcher.hasMore()) return
         isLoading = true
 
         if (firstPageDone && allTransactions.isNotEmpty()) {
@@ -155,68 +146,7 @@ class AccountHistoryFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         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 {
-                            val profile = app.mibProfiles.firstOrNull { it.profileId == account.profileId }
-                            if (profile != null) app.mibLoginFlow.switchProfile(session, profile)
-                            val (list, total) = MibHistoryClient().fetchHistory(
-                                session = session,
-                                accountNo = account.accountNumber,
-                                accountDisplayName = account.accountBriefName,
-                                start = mibNextStart,
-                                pageSize = pageSize
-                            )
-                            if (total > 0) mibTotalCount = total
-                            mibNextStart += list.size.coerceAtLeast(pageSize)
-                            list
-                        }
-                    }
-                    isBmlCard() -> {
-                        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)
-                        cardMonthOffset++
-                        BmlLoginFlow().fetchCardHistory(
-                            session = session,
-                            cardId = account.internalId,
-                            accountDisplayName = account.accountBriefName,
-                            accountNumber = account.accountNumber,
-                            month = month
-                        )
-                    }
-                    else -> {
-                        val session = app.bmlSessionFor(account) ?: return@withContext emptyList()
-                        val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
-                            session = session,
-                            accountId = account.internalId,
-                            accountDisplayName = account.accountBriefName,
-                            accountNumber = account.accountNumber,
-                            page = bmlNextPage
-                        )
-                        if (totalPages > 0) bmlTotalPages = totalPages
-                        bmlNextPage++
-                        list
-                    }
-                }
-            }
+            val transactions = fetcher.fetchNextPage(app, pageSize)
 
             isLoading = false
 
@@ -233,7 +163,6 @@ class AccountHistoryFragment : Fragment() {
                     allTransactions.sortByDescending { AccountHistoryAdapter.parseDateMillis(it.date) }
                     TransactionCache.save(requireContext(), account.accountNumber, allTransactions)
                     if (searchQuery.isBlank()) {
-                        // Append incrementally to preserve scroll position
                         val sorted = newOnes.sortedByDescending { AccountHistoryAdapter.parseDateMillis(it.date) }
                         adapter.appendTransactions(sorted)
                         binding.emptyView.visibility = View.GONE
@@ -243,7 +172,7 @@ class AccountHistoryFragment : Fragment() {
                 } else {
                     adapter.showLoadingFooter = false
                 }
-                if (searchQuery.isNotBlank() && hasMore()) loadNextPage()
+                if (searchQuery.isNotBlank() && fetcher.hasMore()) loadNextPage()
             } else {
                 adapter.showLoadingFooter = false
                 if (allTransactions.isEmpty()) binding.emptyView.visibility = View.VISIBLE
@@ -261,7 +190,7 @@ class AccountHistoryFragment : Fragment() {
             return
         }
         val app = requireActivity().application as BasedBankApp
-        val sess = app.mibSession ?: return
+        val sess = app.anyMibSession() ?: return
         viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
             try {
                 val base64 = MibContactsClient().fetchProfileImageBase64(sess, hash) ?: return@launch
@@ -288,8 +217,7 @@ class AccountHistoryFragment : Fragment() {
                 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
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size) ?: return@launch
                 MerchantIconCache.save(requireContext(), url, bitmap)
                 withContext(Dispatchers.Main) { adapter.updateIconUrl(url, bitmap) }
             } catch (_: Exception) {

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

@@ -8,23 +8,25 @@ 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.ItemDateHeaderBinding
-import sh.sar.basedbank.util.BmlDashboardParser
-import sh.sar.basedbank.util.MibAccountParser
+import sh.sar.basedbank.util.AccountListDisplay
+import sh.sar.basedbank.util.AccountListParser
 
 class AccountsAdapter(
     accounts: List<MibAccount>,
     private val onAccountClick: (MibAccount) -> Unit = {}
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
+    var onTransferClick: ((MibAccount) -> Unit)? = null
+    private var hideAmounts: Boolean = false
+
     private sealed class Item {
         data class SectionTitle(val label: String) : Item()
-        data class Account(val account: MibAccount) : Item()
-        data class Card(val account: MibAccount) : Item()
+        data class Account(val account: MibAccount, val display: AccountListDisplay) : Item()
+        data class Card(val account: MibAccount, val display: AccountListDisplay) : Item()
     }
 
     private val items: MutableList<Item> = buildItems(accounts).toMutableList()
@@ -35,39 +37,45 @@ class AccountsAdapter(
         notifyDataSetChanged()
     }
 
-    private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
-        val nonPrepaid = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
-        val prepaid    = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
 
-        // Group non-prepaid accounts by their derived section title, preserving order
-        val groups = LinkedHashMap<String, MutableList<MibAccount>>()
-        for (acc in nonPrepaid) {
+    private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
+        val displayed = accounts.mapNotNull { acc -> AccountListParser.from(acc)?.let { acc to it } }
+        val nonCards  = displayed.filter { !it.second.isCard }
+        val cards     = displayed.filter { it.second.isCard }
+
+        val groups = LinkedHashMap<String, MutableList<Pair<MibAccount, AccountListDisplay>>>()
+        for ((acc, display) in nonCards) {
             val title = sectionTitle(acc)
-            groups.getOrPut(title) { mutableListOf() }.add(acc)
+            groups.getOrPut(title) { mutableListOf() }.add(acc to display)
         }
         for ((title, group) in groups) {
             add(Item.SectionTitle(title))
-            group.forEach { add(Item.Account(it)) }
+            group.forEach { (acc, display) -> add(Item.Account(acc, display)) }
         }
 
-        if (prepaid.isNotEmpty()) {
+        if (cards.isNotEmpty()) {
             add(Item.SectionTitle("Cards · Bank of Maldives"))
-            prepaid.forEach { add(Item.Card(it)) }
+            cards.forEach { (acc, display) -> add(Item.Card(acc, display)) }
         }
     }
 
     private fun sectionTitle(account: MibAccount): String {
-        val profileLabel = when (account.profileType) {
-            "0"  -> "Personal"
-            "1"  -> "Business"
-            else -> account.profileName
+        val bankName = when (account.bank) {
+            "BML"     -> "Bank of Maldives"
+            "FAHIPAY" -> "Fahipay"
+            "MIB"     -> "Maldives Islamic Bank"
+            else      -> account.bank
         }
-        val bank = when {
-            account.profileType.startsWith("BML") -> "Bank of Maldives"
-            account.profileType == "FAHIPAY"       -> "Fahipay"
-            else                                   -> "Maldives Islamic Bank"
+        val profileLabel = when (account.bank) {
+            "MIB" -> account.cifType.ifBlank { account.profileName }
+            else  -> account.profileName
         }
-        return if (profileLabel.isNotBlank()) "$profileLabel · $bank" else bank
+        return if (profileLabel.isNotBlank()) "$profileLabel · $bankName" else bankName
     }
 
     override fun getItemViewType(position: Int) = when (items[position]) {
@@ -79,17 +87,17 @@ class AccountsAdapter(
     override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
         val inflater = LayoutInflater.from(parent.context)
         return when (viewType) {
-            TYPE_HEADER  -> SectionViewHolder(ItemDateHeaderBinding.inflate(inflater, parent, false))
-            TYPE_CARD    -> CardViewHolder(ItemCardBinding.inflate(inflater, parent, false))
-            else         -> AccountViewHolder(ItemAccountBinding.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))
         }
     }
 
     override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
         when (val item = items[position]) {
             is Item.SectionTitle -> (holder as SectionViewHolder).bind(item)
-            is Item.Account      -> (holder as AccountViewHolder).bind(item.account)
-            is Item.Card         -> (holder as CardViewHolder).bind(item.account)
+            is Item.Account      -> (holder as AccountViewHolder).bind(item.account, item.display)
+            is Item.Card         -> (holder as CardViewHolder).bind(item.account, item.display)
         }
     }
 
@@ -104,18 +112,15 @@ class AccountsAdapter(
 
     private inner class AccountViewHolder(private val binding: ItemAccountBinding) :
         RecyclerView.ViewHolder(binding.root) {
-        fun bind(account: MibAccount) {
-            binding.tvAccountName.text   = account.accountBriefName
-            binding.tvAccountNumber.text = account.accountNumber
-            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}"
+        fun bind(account: MibAccount, display: AccountListDisplay) {
+            binding.tvAccountName.text   = display.name
+            binding.tvAccountNumber.text = display.number
+            binding.tvAccountType.text   = display.typeLabel
+            binding.tvBalance.text       = if (hideAmounts) maskAmount(display.balance) else display.balance
+            binding.btnTransfer.setOnClickListener { onTransferClick?.invoke(account) }
             binding.root.setOnClickListener { onAccountClick(account) }
             binding.root.setOnLongClickListener {
-                copyToClipboard(it.context, account.accountNumber)
+                copyToClipboard(it.context, display.number)
                 true
             }
         }
@@ -123,23 +128,22 @@ class AccountsAdapter(
 
     private inner class CardViewHolder(private val binding: ItemCardBinding) :
         RecyclerView.ViewHolder(binding.root) {
-        fun bind(account: MibAccount) {
-            binding.ivCardBrand.setImageResource(cardBrandIcon(account.accountTypeName))
-            binding.tvCardName.text    = account.accountBriefName
-            binding.tvCardNumber.text  = account.accountNumber
-            binding.tvCardProduct.text = BmlDashboardParser.productLabel(account.accountTypeName)
+        fun bind(account: MibAccount, display: AccountListDisplay) {
+            binding.ivCardBrand.setImageResource(display.cardBrandIcon)
+            binding.tvCardName.text    = display.name
+            binding.tvCardNumber.text  = display.number
+            binding.tvCardProduct.text = display.typeLabel
             binding.layoutCardBalance.visibility = View.VISIBLE
-            binding.tvCardBalance.text = "${account.currencyName} ${account.availableBalance}"
-
-            val isActive = account.statusDesc.equals("Active", ignoreCase = true)
-            if (isActive) {
-                binding.tvCardStatus.visibility = View.GONE
-                binding.root.alpha = 1f
-            } else {
-                binding.tvCardStatus.text = account.statusDesc
+            binding.tvCardBalance.text = if (hideAmounts) maskAmount(display.balance) else display.balance
+            if (display.statusLabel != null) {
+                binding.tvCardStatus.text       = display.statusLabel
                 binding.tvCardStatus.visibility = View.VISIBLE
                 binding.root.alpha = 0.45f
+            } else {
+                binding.tvCardStatus.visibility = View.GONE
+                binding.root.alpha = 1f
             }
+            binding.btnTransfer.setOnClickListener { onTransferClick?.invoke(account) }
             binding.root.setOnClickListener { onAccountClick(account) }
         }
     }
@@ -149,18 +153,15 @@ class AccountsAdapter(
         private const val TYPE_ACCOUNT = 1
         private const val TYPE_CARD    = 2
 
+        fun maskAmount(formatted: String): String {
+            val currency = formatted.substringBefore(' ', formatted)
+            return "$currency ••••••"
+        }
+
         private fun copyToClipboard(context: Context, accountNumber: String) {
             val cm = context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
             cm.setPrimaryClip(ClipData.newPlainText("Account Number", accountNumber))
             Toast.makeText(context, "Account number copied", Toast.LENGTH_SHORT).show()
         }
-
-        private fun cardBrandIcon(productName: String): Int = when {
-            productName.contains("AMEX", ignoreCase = true) ||
-            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/AccountsFragment.kt

@@ -4,6 +4,8 @@ import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -26,10 +28,23 @@ class AccountsFragment : Fragment() {
         adapter = AccountsAdapter(emptyList()) { account ->
             (activity as? HomeActivity)?.showWithBackStack(AccountHistoryFragment.newInstance(account))
         }
+        adapter.onTransferClick = { account ->
+            (activity as? HomeActivity)?.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFrom(account))
+        }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
         viewModel.accounts.observe(viewLifecycleOwner) { adapter.updateAccounts(it) }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
     }
 
     override fun onResume() {

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

@@ -0,0 +1,108 @@
+package sh.sar.basedbank.ui.home
+
+import android.graphics.Color
+import android.graphics.drawable.GradientDrawable
+import android.view.LayoutInflater
+import android.view.ViewGroup
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.databinding.ItemDateHeaderBinding
+import sh.sar.basedbank.databinding.ItemTransactionBinding
+import sh.sar.basedbank.util.ReceiptStore
+import java.text.SimpleDateFormat
+import java.util.Date
+import java.util.Locale
+
+class ActivitiesAdapter(
+    private val onItemClick: (ReceiptStore.Entry) -> Unit
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    private sealed class Item {
+        data class DateHeader(val label: String) : Item()
+        data class ReceiptItem(val entry: ReceiptStore.Entry) : Item()
+    }
+
+    private val displayItems = mutableListOf<Item>()
+
+    fun setEntries(entries: List<ReceiptStore.Entry>) {
+        displayItems.clear()
+        var lastDateKey = ""
+        for (entry in entries) {
+            val dateKey = SimpleDateFormat("yyyy-MM-dd", Locale.US).format(Date(entry.savedAt))
+            if (dateKey != lastDateKey) {
+                displayItems.add(Item.DateHeader(formatDateHeader(entry.savedAt)))
+                lastDateKey = dateKey
+            }
+            displayItems.add(Item.ReceiptItem(entry))
+        }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemCount() = displayItems.size
+
+    override fun getItemViewType(position: Int) =
+        if (displayItems[position] is Item.DateHeader) TYPE_DATE_HEADER else TYPE_RECEIPT
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return if (viewType == TYPE_DATE_HEADER)
+            DateHeaderVH(ItemDateHeaderBinding.inflate(inflater, parent, false))
+        else
+            ReceiptVH(ItemTransactionBinding.inflate(inflater, parent, false))
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        when (holder) {
+            is DateHeaderVH -> holder.bind((displayItems[position] as Item.DateHeader).label)
+            is ReceiptVH    -> holder.bind((displayItems[position] as Item.ReceiptItem).entry)
+        }
+    }
+
+    inner class DateHeaderVH(private val b: ItemDateHeaderBinding) :
+        RecyclerView.ViewHolder(b.root) {
+        fun bind(label: String) { b.tvDateHeader.text = label }
+    }
+
+    inner class ReceiptVH(private val b: ItemTransactionBinding) :
+        RecyclerView.ViewHolder(b.root) {
+        fun bind(entry: ReceiptStore.Entry) {
+            val d = entry.data
+            val colorHex = d.fromColorHex.takeIf { it.isNotBlank() } ?: "#607D8B"
+            val initial = d.toLabel.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+
+            b.fvAvatar.background = GradientDrawable().apply {
+                shape = GradientDrawable.OVAL
+                setColor(try { Color.parseColor(colorHex) } catch (_: Exception) { Color.GRAY })
+            }
+            b.tvInitial.visibility = android.view.View.VISIBLE
+            b.tvInitial.text = initial
+
+            b.tvCounterparty.text = d.toLabel
+            b.tvCounterparty.visibility = android.view.View.VISIBLE
+            b.tvDescription.text = buildString {
+                append(d.fromLabel)
+                if (d.toBank.isNotBlank()) append(" · ${d.toBank}")
+            }
+            b.tvDate.text = formatTime(entry.savedAt)
+
+            b.tvAmount.text = "- ${d.currency} ${d.amount}"
+            b.tvAmount.setTextColor(Color.parseColor("#FF7043"))
+
+            b.root.setOnClickListener { onItemClick(entry) }
+        }
+    }
+
+    private fun formatDateHeader(millis: Long): String {
+        val sdf = SimpleDateFormat("EEEE, d MMMM yyyy", Locale.US)
+        return sdf.format(Date(millis))
+    }
+
+    private fun formatTime(millis: Long): String {
+        val sdf = SimpleDateFormat("HH:mm", Locale.US)
+        return sdf.format(Date(millis))
+    }
+
+    companion object {
+        private const val TYPE_DATE_HEADER = 0
+        private const val TYPE_RECEIPT     = 1
+    }
+}

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

@@ -0,0 +1,95 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.text.Editable
+import android.text.TextWatcher
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import androidx.recyclerview.widget.LinearLayoutManager
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentActivitiesBinding
+import sh.sar.basedbank.util.ReceiptStore
+
+class ActivitiesFragment : Fragment() {
+
+    private var _binding: FragmentActivitiesBinding? = null
+    private val binding get() = _binding!!
+
+    private lateinit var adapter: ActivitiesAdapter
+    private val allEntries = mutableListOf<ReceiptStore.Entry>()
+    private var searchQuery = ""
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentActivitiesBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        adapter = ActivitiesAdapter { entry ->
+            (activity as? HomeActivity)?.showWithBackStack(
+                TransferReceiptFragment.newInstance(entry.data, null)
+            )
+        }
+        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
+        binding.recyclerView.adapter = adapter
+
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext()
+                .getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
+        binding.etSearch.addTextChangedListener(object : TextWatcher {
+            override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) = Unit
+            override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) = Unit
+            override fun afterTextChanged(s: Editable?) {
+                searchQuery = s?.toString()?.trim() ?: ""
+                filterAndDisplay()
+            }
+        })
+
+        loadEntries()
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_activities)
+        // Reload in case a new receipt was added while we were away
+        loadEntries()
+    }
+
+    private fun loadEntries() {
+        allEntries.clear()
+        allEntries.addAll(ReceiptStore.loadAll(requireContext()))
+        filterAndDisplay()
+    }
+
+    private fun filterAndDisplay() {
+        val filtered = if (searchQuery.isBlank()) allEntries
+        else allEntries.filter { entry ->
+            entry.data.toLabel.contains(searchQuery, ignoreCase = true) ||
+                entry.data.fromLabel.contains(searchQuery, ignoreCase = true) ||
+                entry.data.toAccount.contains(searchQuery, ignoreCase = true) ||
+                entry.data.toBank.contains(searchQuery, ignoreCase = true) ||
+                entry.data.mibReferenceNo.contains(searchQuery, ignoreCase = true) ||
+                entry.data.bmlReference.contains(searchQuery, ignoreCase = true)
+        }
+        adapter.setEntries(filtered)
+        binding.emptyView.visibility = if (filtered.isEmpty()) View.VISIBLE else View.GONE
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

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

@@ -50,6 +50,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         val label: String,
         val isBml: Boolean,
         val mibProfile: MibProfile? = null,
+        val mibLoginId: String? = null,
         val bmlLoginId: String? = null,
         val subtitle: String = ""
     )
@@ -91,14 +92,19 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private fun buildDestinations(): List<DestinationOption> {
         val list = mutableListOf<DestinationOption>()
-        for (profile in app.mibProfiles) {
-            list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile))
+        for ((loginId, profiles) in app.mibProfilesMap) {
+            for (profile in profiles) {
+                list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile, mibLoginId = loginId, subtitle = profile.cifType))
+            }
         }
         val store = CredentialStore(requireContext())
-        for ((loginId, _) in app.bmlSessions) {
-            val ownerName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() } ?: loginId
-            val profileName = app.bmlAccounts.firstOrNull { it.loginTag == "bml_$loginId" }?.profileName ?: ""
-            list.add(DestinationOption("BML · $ownerName", isBml = true, bmlLoginId = loginId, subtitle = profileName))
+        for ((loginId, profiles) in app.bmlProfilesMap) {
+            val fullName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+            for (profile in profiles) {
+                if (app.bmlSessions.containsKey(profile.profileId)) {
+                    list.add(DestinationOption("BML · ${fullName ?: profile.name}", isBml = true, bmlLoginId = profile.profileId, subtitle = profile.name))
+                }
+            }
         }
         return list
     }
@@ -249,7 +255,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         if (mibVerified != null) return mibVerified
 
         // 3) Fall back to MIB IPS lookup (for USD MIB accounts not reachable via BML)
-        val mibSess = app.mibSession ?: return null
+        val mibSess = app.anyMibSession() ?: return null
         return try {
             val info = MibTransferClient().lookup(mibSess, input)
             BmlAccountValidation(
@@ -266,11 +272,12 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     }
 
     private fun lookupForMib(dest: DestinationOption, input: String): BmlAccountValidation? {
-        val mibSess = app.mibSession ?: return null
+        val loginId = dest.mibLoginId ?: return null
+        val mibSess = app.mibSessions[loginId] ?: return null
         val profile = dest.mibProfile ?: return null
 
         val mibResult = try {
-            app.mibLoginFlow.switchProfile(mibSess, profile)
+            app.mibFlowFor(loginId).switchProfile(mibSess, profile)
             val info = MibTransferClient().lookup(mibSess, input)
             BmlAccountValidation(
                 trnType = if (info.bankId == "MADVMVMV") "MIB_INTERNAL" else "MIB_LOCAL",
@@ -429,8 +436,9 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     }
 
     private fun saveToMib(alias: String): Boolean {
-        val mibSess = app.mibSession ?: return false
         val dest = selectedDest ?: return false
+        val loginId = dest.mibLoginId ?: return false
+        val mibSess = app.mibSessions[loginId] ?: return false
         val profile = dest.mibProfile ?: return false
         val account = mibLookupAccount ?: return false
         val currency = binding.etCurrency.text?.toString()?.trim() ?: "MVR"
@@ -442,7 +450,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         val name = bmlLookup?.name ?: ""
 
         return try {
-            app.mibLoginFlow.switchProfile(mibSess, profile)
+            app.mibFlowFor(loginId).switchProfile(mibSess, profile)
             MibContactsClient().createContact(
                 session = mibSess,
                 benefType = benefType,
@@ -488,8 +496,9 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
                     if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, fresh)
                 } else {
                     val profile = dest.mibProfile ?: return@launch
-                    val mibSess = app.mibSession ?: return@launch
-                    app.mibLoginFlow.switchProfile(mibSess, profile)
+                    val mibLoginId = dest.mibLoginId ?: return@launch
+                    val mibSess = app.mibSessions[mibLoginId] ?: return@launch
+                    app.mibFlowFor(mibLoginId).switchProfile(mibSess, profile)
                     val fresh = MibContactsClient().fetchContacts(mibSess)
                         .map { it.copy(profileId = profile.profileId) }
                     val existing = viewModel.contacts.value ?: emptyList()

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

@@ -36,7 +36,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
     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
+    private val session get() = app.anyMibSession()
 
     private var fromAccountNumber: String = ""
     private var mediator: TabLayoutMediator? = null
@@ -291,7 +291,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         lifecycleScope.launch(Dispatchers.IO) {
             try {
                 val base64 = if (hash in profileImageHashes) {
-                    app.mibLoginFlow.fetchProfileImage(sess, hash)
+                    app.anyMibFlow()?.fetchProfileImage(sess, hash)
                 } else {
                     MibContactsClient().fetchProfileImageBase64(sess, hash)
                 } ?: return@launch

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

@@ -12,23 +12,23 @@ import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.mib.MibBeneficiary
 import sh.sar.basedbank.databinding.ItemContactBinding
+import sh.sar.basedbank.util.ContactDisplay
 
 class ContactsAdapter(
     private val imageCache: MutableMap<String, Bitmap>,
     private val onImageNeeded: (hash: String) -> Unit,
-    private val onDeleteClick: (MibBeneficiary) -> Unit,
-    private val onTransferClick: (MibBeneficiary) -> Unit
+    private val onDeleteClick: (ContactDisplay) -> Unit,
+    private val onTransferClick: (ContactDisplay) -> Unit
 ) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
 
-    private var allContacts: List<MibBeneficiary> = emptyList()
-    private var displayed: List<MibBeneficiary> = emptyList()
+    private var allContacts: List<ContactDisplay> = emptyList()
+    private var displayed: List<ContactDisplay> = emptyList()
 
     private var activeCategoryId: String? = null
     private var searchQuery: String = ""
 
-    fun updateContacts(contacts: List<MibBeneficiary>) {
+    fun updateContacts(contacts: List<ContactDisplay>) {
         allContacts = contacts
         applyFilter()
     }
@@ -36,7 +36,7 @@ class ContactsAdapter(
     fun updateImage(hash: String, bitmap: Bitmap) {
         imageCache[hash] = bitmap
         displayed.forEachIndexed { index, contact ->
-            if (contact.customerImgHash == hash) notifyItemChanged(index)
+            if (contact.imageHash == hash) notifyItemChanged(index)
         }
     }
 
@@ -48,11 +48,11 @@ class ContactsAdapter(
 
     private fun applyFilter() {
         displayed = allContacts.filter { contact ->
-            val matchesCategory = activeCategoryId == null || contact.benefCategoryId == activeCategoryId
+            val matchesCategory = activeCategoryId == null || contact.categoryId == activeCategoryId
             val matchesSearch = searchQuery.isBlank() ||
-                    contact.benefNickName.contains(searchQuery, ignoreCase = true) ||
-                    contact.benefName.contains(searchQuery, ignoreCase = true) ||
-                    contact.benefAccount.contains(searchQuery)
+                contact.name.contains(searchQuery, ignoreCase = true) ||
+                contact.realName.contains(searchQuery, ignoreCase = true) ||
+                contact.accountNumber.contains(searchQuery)
             matchesCategory && matchesSearch
         }
         notifyDataSetChanged()
@@ -76,7 +76,7 @@ class ContactsAdapter(
         binding.root.setOnLongClickListener {
             val pos = holder.bindingAdapterPosition
             if (pos == RecyclerView.NO_POSITION) return@setOnLongClickListener false
-            val account = displayed[pos].benefAccount
+            val account = displayed[pos].accountNumber
             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()
@@ -88,7 +88,7 @@ class ContactsAdapter(
 
     override fun onBindViewHolder(holder: ViewHolder, position: Int) {
         val contact = displayed[position]
-        val cachedImage = contact.customerImgHash?.let { hash ->
+        val cachedImage = contact.imageHash?.let { hash ->
             imageCache[hash] ?: run { onImageNeeded(hash); null }
         }
         holder.bind(contact, cachedImage)
@@ -99,21 +99,24 @@ class ContactsAdapter(
     inner class ViewHolder(val binding: ItemContactBinding) :
         RecyclerView.ViewHolder(binding.root) {
 
-        fun bind(contact: MibBeneficiary, photo: Bitmap?) {
-            val isFahipay = contact.benefType == "FAHIPAY"
-            binding.tvContactName.text = contact.benefNickName
-            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
+        fun bind(contact: ContactDisplay, photo: Bitmap?) {
+            binding.tvContactName.text    = contact.name
+            binding.tvContactAccount.text = contact.accountNumber
+            binding.tvRealName.text       = contact.detail ?: ""
+            binding.tvRealName.visibility =
+                if (contact.detail != null) android.view.View.VISIBLE else android.view.View.GONE
+            binding.btnTransferContact.visibility =
+                if (contact.canTransfer) android.view.View.VISIBLE else android.view.View.GONE
+            binding.btnEditContact.visibility =
+                if (contact.canEdit) android.view.View.VISIBLE else android.view.View.GONE
+            binding.btnDeleteContact.visibility =
+                if (contact.canDelete) android.view.View.VISIBLE else android.view.View.GONE
 
             if (photo != null) {
                 binding.ivContactPhoto.setImageBitmap(photo)
             } else {
                 binding.ivContactPhoto.setImageBitmap(
-                    makeInitialsBitmap(contact.benefNickName, contact.bankColor)
+                    makeInitialsBitmap(contact.name, contact.bankColor)
                 )
             }
         }

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

@@ -8,7 +8,9 @@ import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
-import androidx.appcompat.app.AlertDialog
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.core.widget.addTextChangedListener
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
@@ -21,13 +23,15 @@ import kotlinx.coroutines.launch
 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.mib.MibBeneficiary
 import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.FragmentContactsBinding
+import sh.sar.basedbank.util.ContactDisplay
 import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactListParser
+import sh.sar.basedbank.util.ContactManager
 import sh.sar.basedbank.util.ContactsCache
+import sh.sar.basedbank.util.TransferNetwork
 
 class ContactsFragment : Fragment() {
 
@@ -38,9 +42,9 @@ class ContactsFragment : Fragment() {
     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
+    private val session get() = app.anyMibSession()
 
-    private var allContacts: List<MibBeneficiary> = emptyList()
+    private var allContacts: List<ContactDisplay> = emptyList()
     private var currentSearch: String = ""
     private var mediator: TabLayoutMediator? = null
     private lateinit var pagerAdapter: ContactsPagerAdapter
@@ -53,9 +57,9 @@ 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) },
+                imageCache      = sharedImageCache,
+                onImageNeeded   = { hash -> fetchImage(hash) },
+                onDeleteClick   = { contact -> confirmDelete(contact) },
                 onTransferClick = { contact -> openTransfer(contact) }
             ).also { a ->
                 a.setFilter(page.categoryId, currentSearch)
@@ -63,7 +67,7 @@ class ContactsFragment : Fragment() {
             }
         }
 
-        fun updateContacts(contacts: List<MibBeneficiary>) =
+        fun updateContacts(contacts: List<ContactDisplay>) =
             contactAdapters.forEach { it.updateContacts(contacts) }
 
         fun updateSearch(query: String) =
@@ -86,7 +90,7 @@ class ContactsFragment : Fragment() {
                 )
                 clipToPadding = false
                 val p4 = (4 * density).toInt()
-                val p80 = (80 * density).toInt()
+                val p80 = (65 * density).toInt()
                 setPadding(0, p4, 0, p80)
                 adapter = contactAdapters[viewType]
             }
@@ -113,6 +117,17 @@ class ContactsFragment : Fragment() {
             pagerAdapter.updateSearch(currentSearch)
         }
 
+        val fabMarginBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.fabAddContact) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            val lp = v.layoutParams as androidx.coordinatorlayout.widget.CoordinatorLayout.LayoutParams
+            lp.bottomMargin = fabMarginBase + extraBottom
+            v.layoutParams = lp
+            insets
+        }
+
         binding.fabAddContact.setOnClickListener {
             AddContactSheetFragment().show(childFragmentManager, "add_contact")
         }
@@ -124,8 +139,8 @@ class ContactsFragment : Fragment() {
         }
 
         viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
-            allContacts = contacts
-            pagerAdapter.updateContacts(contacts)
+            allContacts = ContactListParser.fromList(contacts)
+            pagerAdapter.updateContacts(allContacts)
             binding.emptyView.visibility = if (contacts.isEmpty()) View.VISIBLE else View.GONE
             binding.loadingView.visibility = View.GONE
         }
@@ -150,31 +165,29 @@ class ContactsFragment : Fragment() {
         binding.viewPager.setCurrentItem(savedPosition.coerceIn(0, pages.size - 1), false)
     }
 
-    private fun openTransfer(contact: MibBeneficiary) {
+    private fun openTransfer(contact: ContactDisplay) {
         val fragment = TransferFragment.newInstance(
-            accountNumber = contact.benefAccount,
-            displayName   = contact.benefNickName,
-            subtitle      = "${contact.benefBankName} · ${contact.benefAccount}",
+            accountNumber = contact.accountNumber,
+            displayName   = contact.name,
+            subtitle      = contact.transferSubtitle,
             colorHex      = contact.bankColor,
-            imageHash     = contact.customerImgHash
+            imageHash     = contact.imageHash
         )
         (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, fragment)
     }
 
-    private fun confirmDelete(contact: MibBeneficiary) {
-        AlertDialog.Builder(requireContext())
+    private fun confirmDelete(contact: ContactDisplay) {
+        MaterialAlertDialogBuilder(requireContext())
             .setTitle(R.string.contact_delete_title)
-            .setMessage(getString(R.string.contact_delete_message, contact.benefNickName))
+            .setMessage(getString(R.string.contact_delete_message, contact.name))
             .setPositiveButton(R.string.contact_delete) { _, _ -> deleteContact(contact) }
-            .setNegativeButton(android.R.string.cancel, null)
+            .setNegativeButton(R.string.cancel, null)
             .show()
     }
 
-    private fun deleteContact(contact: MibBeneficiary) {
+    private fun deleteContact(contact: ContactDisplay) {
         viewLifecycleOwner.lifecycleScope.launch {
-            val success = withContext(Dispatchers.IO) {
-                if (contact.benefCategoryId == "BML") deleteBml(contact) else deleteMib(contact)
-            }
+            val success = withContext(Dispatchers.IO) { ContactManager.delete(contact, app) }
             if (success) {
                 Toast.makeText(requireContext(), R.string.contact_deleted, Toast.LENGTH_SHORT).show()
                 removeFromViewModel(contact)
@@ -184,27 +197,10 @@ class ContactsFragment : Fragment() {
         }
     }
 
-    private fun deleteBml(contact: MibBeneficiary): Boolean {
-        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 }
-    }
-
-    private fun deleteMib(contact: MibBeneficiary): Boolean {
-        val sess = session ?: return false
-        return try {
-            if (contact.profileId.isNotBlank()) {
-                val profile = app.mibProfiles.firstOrNull { it.profileId == contact.profileId }
-                if (profile != null) app.mibLoginFlow.switchProfile(sess, profile)
-            }
-            MibContactsClient().deleteContact(sess, contact.benefNo)
-        } catch (_: Exception) { false }
-    }
-
-    private fun removeFromViewModel(contact: MibBeneficiary) {
-        val updated = viewModel.contacts.value?.filter { it.benefNo != contact.benefNo } ?: return
+    private fun removeFromViewModel(contact: ContactDisplay) {
+        val updated = viewModel.contacts.value?.filter { it.benefNo != contact.id } ?: return
         viewModel.contacts.value = updated
-        if (contact.benefCategoryId == "BML") {
+        if (contact.network == TransferNetwork.BML) {
             updated.filter { it.benefCategoryId == "BML" }
                 .groupBy { it.profileId }
                 .forEach { (loginId, contacts) ->
@@ -221,7 +217,6 @@ class ContactsFragment : Fragment() {
 
     private fun fetchImage(hash: String) {
         if (!pendingHashes.add(hash)) return
-        // Check disk cache first — if hash matches we already have the image
         val cached = ContactImageCache.load(requireContext(), hash)
         if (cached != null) {
             view?.post { pagerAdapter.updateImage(hash, cached) }

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

@@ -1,10 +1,13 @@
 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.core.content.ContextCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import sh.sar.basedbank.R
@@ -29,21 +32,49 @@ class DashboardFragment : Fragment() {
         viewModel.accounts.observe(viewLifecycleOwner) { updateBalances(it) }
         viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances(it) }
         viewModel.bmlLimits.observe(viewLifecycleOwner) { updateForeignLimits(it) }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) {
+            updateBalances(viewModel.accounts.value ?: emptyList())
+            updatePendingFinances(viewModel.financing.value ?: emptyList())
+            updateForeignLimits(viewModel.bmlLimits.value ?: emptyList())
+        }
 
-        binding.btnTransfer.setOnClickListener {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer)
-        }
-        binding.btnPayMvQr.setOnClickListener {
-            Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.buttonBar) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
         }
+
     }
 
     override fun onResume() {
         super.onResume()
         requireActivity().title = getString(R.string.nav_dashboard)
+        refreshQuickActions()
+    }
+
+    private fun refreshQuickActions() {
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val ids = NavCustomization.getQuickActions(prefs)
+        listOf(binding.btnQuickAction1, binding.btnQuickAction2).forEachIndexed { i, btn ->
+            val def = NavCustomization.ALL_SWAPPABLE.find { it.id == ids[i] }
+            if (def != null) {
+                btn.setText(def.titleRes)
+                btn.icon = ContextCompat.getDrawable(requireContext(), def.iconRes)
+            }
+            btn.setOnClickListener { (requireActivity() as HomeActivity).navigateTo(ids[i]) }
+        }
     }
 
     private fun updateBalances(accounts: List<MibAccount>) {
+        val hide = viewModel.hideAmounts.value ?: false
+        if (hide) {
+            binding.tvMvrBalance.text = "MVR ••••••"
+            binding.tvUsdBalance.text = "USD ••••••"
+            return
+        }
         val mvrTotal = accounts
             .filter { it.currencyName.equals("MVR", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
@@ -56,31 +87,40 @@ class DashboardFragment : Fragment() {
     }
 
     private fun updateForeignLimits(entries: List<HomeViewModel.BmlLimitsData>) {
+        val hide = viewModel.hideAmounts.value ?: false
         binding.containerForeignLimits.removeAllViews()
         for (entry in entries) {
             for (limit in entry.limits) {
                 val card = ItemForeignLimitBinding.inflate(layoutInflater, binding.containerForeignLimits, false)
                 card.tvLimitUserName.text = entry.userName.ifBlank { "BML" }
                 card.tvLimitType.text = limit.type
-                card.tvLimitGeneral.text = "USD %,.0f / %,.0f".format(limit.generalRemaining, limit.generalCap)
-                card.tvLimitMedical.text = "USD %,.0f".format(limit.medicalRemaining)
-                card.tvLimitAtm.text = if (!limit.isAtmEnabled)
-                    "USD %,.0f / %,.0f · Disabled".format(limit.atmRemaining, limit.atmLimit)
-                else
-                    "USD %,.0f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
-                card.tvLimitEcom.text = "USD %,.0f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
-                card.tvLimitPos.text = if (!limit.isPosEnabled)
-                    "USD %,.0f / %,.0f · Disabled".format(limit.posRemaining, limit.posLimit)
-                else
-                    "USD %,.0f / %,.0f".format(limit.posRemaining, limit.posLimit)
+                if (hide) {
+                    card.tvLimitGeneral.text = "USD ••••••"
+                    card.tvLimitMedical.text = "USD ••••••"
+                    card.tvLimitAtm.text = if (!limit.isAtmEnabled) "USD •••••• · Disabled" else "USD ••••••"
+                    card.tvLimitEcom.text = "USD ••••••"
+                    card.tvLimitPos.text = if (!limit.isPosEnabled) "USD •••••• · Disabled" else "USD ••••••"
+                } else {
+                    card.tvLimitGeneral.text = "USD %,.0f / %,.0f".format(limit.generalRemaining, limit.generalCap)
+                    card.tvLimitMedical.text = "USD %,.0f".format(limit.medicalRemaining)
+                    card.tvLimitAtm.text = if (!limit.isAtmEnabled)
+                        "USD %,.0f / %,.0f · Disabled".format(limit.atmRemaining, limit.atmLimit)
+                    else
+                        "USD %,.0f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
+                    card.tvLimitEcom.text = "USD %,.0f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
+                    card.tvLimitPos.text = if (!limit.isPosEnabled)
+                        "USD %,.0f / %,.0f · Disabled".format(limit.posRemaining, limit.posLimit)
+                    else
+                        "USD %,.0f / %,.0f".format(limit.posRemaining, limit.posLimit)
+                }
                 binding.containerForeignLimits.addView(card.root)
             }
         }
     }
 
     private fun updatePendingFinances(deals: List<MibFinanceDeal>) {
-        val total = deals.sumOf { it.outstandingAmount }
-        binding.tvPendingFinances.text = "MVR %,.2f".format(total)
+        val hide = viewModel.hideAmounts.value ?: false
+        binding.tvPendingFinances.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(deals.sumOf { it.outstandingAmount })
     }
 
     override fun onDestroyView() {

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

@@ -16,6 +16,14 @@ import java.util.Locale
 class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
     RecyclerView.Adapter<FinancingAdapter.ViewHolder>() {
 
+    private var hideAmounts: Boolean = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
     private val expandedPositions = mutableSetOf<Int>()
     private val amountFmt = NumberFormat.getNumberInstance(Locale.US).apply {
         minimumFractionDigits = 2
@@ -52,19 +60,20 @@ class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
         fun bind(deal: MibFinanceDeal, expanded: Boolean) {
             val ctx = binding.root.context
             val currency = deal.currency
+            val hide = hideAmounts
 
             binding.tvProductName.text = deal.productDesc
             binding.tvDealNo.text = ctx.getString(R.string.financing_deal_no_fmt, deal.dealNo)
             binding.tvStatus.text = deal.statusDesc
-            binding.tvTotal.text = "$currency ${amountFmt.format(deal.dealAmount)}"
-            binding.tvPaid.text = "$currency ${amountFmt.format(deal.paidAmount)}"
-            binding.tvUnpaid.text = "$currency ${amountFmt.format(deal.outstandingAmount)}"
+            binding.tvTotal.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.dealAmount)}"
+            binding.tvPaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.paidAmount)}"
+            binding.tvUnpaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.outstandingAmount)}"
 
             // Progress bar
             val progress = if (deal.dealAmount > 0)
                 ((deal.paidAmount / deal.dealAmount) * 100).toInt().coerceIn(0, 100)
             else 0
-            binding.progressBar.progress = progress
+            binding.progressBar.progress = if (hide) 0 else progress
 
             // Completion estimate
             binding.tvCompletion.text = completionText(deal, ctx)
@@ -76,14 +85,14 @@ class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
 
             if (expanded) {
                 binding.tvDealDate.text = formatDate(deal.dealDate)
-                binding.tvInstallment.text = "$currency ${amountFmt.format(deal.installmentAmount)}"
+                binding.tvInstallment.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.installmentAmount)}"
                 binding.tvNumInstallments.text = deal.noOfInstallments.toString()
                 binding.tvLastPaidDate.text = formatDate(deal.lastPaidDate)
-                binding.tvLastPayAmount.text = "$currency ${amountFmt.format(deal.lastPayAmount)}"
+                binding.tvLastPayAmount.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.lastPayAmount)}"
 
                 if (deal.overdueAmount > 0) {
                     binding.rowOverdue.visibility = View.VISIBLE
-                    binding.tvOverdue.text = "$currency ${amountFmt.format(deal.overdueAmount)}"
+                    binding.tvOverdue.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.overdueAmount)}"
                 } else {
                     binding.rowOverdue.visibility = View.GONE
                 }

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

@@ -4,6 +4,8 @@ import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -27,12 +29,22 @@ class FinancingFragment : Fragment() {
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
         viewModel.financing.observe(viewLifecycleOwner) { deals ->
             adapter.updateDeals(deals)
             binding.recyclerView.visibility = if (deals.isEmpty()) View.GONE else View.VISIBLE
             binding.emptyView.visibility = if (deals.isEmpty()) View.VISIBLE else View.GONE
             binding.loadingView.visibility = View.GONE
         }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
     }
 
     override fun onResume() {

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

@@ -9,13 +9,18 @@ import android.os.Looper
 import android.view.Menu
 import android.view.MenuItem
 import android.view.View
+import com.google.android.material.navigation.NavigationBarView
 import android.widget.Toast
+import sh.sar.basedbank.ui.home.NavCustomization
 import androidx.appcompat.app.AlertDialog
 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.ViewCompat
 import androidx.core.view.WindowCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.view.updatePadding
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.lifecycle.Lifecycle
@@ -31,7 +36,9 @@ import okhttp3.RequestBody.Companion.toRequestBody
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.AuthExpiredException
+import sh.sar.basedbank.api.bml.BmlActivationResult
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
@@ -106,16 +113,31 @@ class HomeActivity : AppCompatActivity() {
         binding.drawerLayout.addDrawerListener(toggle)
         toggle.syncState()
 
+        ViewCompat.setOnApplyWindowInsetsListener(binding.navigationView) { v, insets ->
+            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.updatePadding(top = bars.top, bottom = bars.bottom)
+            insets
+        }
+
         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
+            val frag = when (item.itemId) {
+                R.id.nav_dashboard        -> DashboardFragment()
+                R.id.nav_accounts         -> AccountsFragment()
+                R.id.nav_contacts         -> ContactsFragment()
+                R.id.nav_transfer         -> TransferFragment()
+                R.id.nav_pay_mv_qr        -> PayMvQrFragment()
+                R.id.nav_more             -> MoreFragment()
+                R.id.nav_activities       -> ActivitiesFragment()
+                R.id.nav_transfer_history -> TransferHistoryFragment()
+                R.id.nav_finances         -> FinancingFragment()
+                R.id.nav_otp              -> OtpFragment()
+                R.id.nav_settings         -> SettingsFragment()
+                else -> null
             }
+            if (frag != null) show(frag)
+            else Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+            true
         }
 
         applyNavMode()
@@ -128,31 +150,36 @@ class HomeActivity : AppCompatActivity() {
 
         // Load data
         val app = application as BasedBankApp
-        if (app.accounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
+        if (app.mibAccounts.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.startsWith("BML") && it.profileType != "FAHIPAY" }
-            val merged = mibAccounts + app.bmlAccounts + app.fahipayAccounts
-            viewModel.accounts.value = merged
-            if (mibAccounts.isNotEmpty()) AccountCache.save(this, mibAccounts)
+            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
+            viewModel.accounts.value = merged.filterVisibleAccounts()
+            if (app.mibAccounts.isNotEmpty()) AccountCache.save(this, app.mibAccounts)
             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)
+            if (app.fahipayAccounts.isNotEmpty()) {
+                val byLoginId = app.fahipayAccounts.groupBy { it.loginTag.removePrefix("fahipay_") }
+                byLoginId.forEach { (loginId, accs) -> AccountCache.saveFahipay(this, loginId, accs) }
+            }
 
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
-            refreshFinancing(app.mibSession, app.mibProfiles)
+            for ((loginId, session) in app.mibSessions) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+            }
             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, store.getBmlLoginIds())
-            val cachedFahipay = AccountCache.loadFahipay(this)
+            val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
             val merged = cachedMib + cachedBml + cachedFahipay
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedFinancing = FinancingCache.load(this)
@@ -160,36 +187,41 @@ class HomeActivity : AppCompatActivity() {
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
-            autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
+            autoRefresh(store)
         }
 
+        // hideAmounts is always false on launch; eye feature just needs to be enabled
+        viewModel.hideAmounts.value = false
+
         // Show dashboard on first create
         if (savedInstanceState == null) {
             show(DashboardFragment())
             binding.navigationView.setCheckedItem(R.id.nav_dashboard)
         }
 
-        // Keep MIB session alive every 25 seconds while the app is in the foreground
+        // Keep all MIB sessions alive every 25 seconds while the app is in the foreground
         lifecycleScope.launch {
             repeatOnLifecycle(Lifecycle.State.STARTED) {
                 while (true) {
                     delay(25_000)
-                    val session = (application as BasedBankApp).mibSession ?: continue
-                    withContext(Dispatchers.IO) {
-                        try {
-                            val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
-                                "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
-                            val request = Request.Builder()
-                                .url("https://faisamobilex-wv.mib.com.mv/aProfile/keepAlive")
-                                .post(ByteArray(0).toRequestBody())
-                                .header("Cookie", cookieHeader)
-                                .header("User-Agent", "okhttp/4.11.0")
-                                .header("Accept", "application/json, text/plain, */*")
-                                .header("Accept-Encoding", "gzip")
-                                .header("Connection", "Keep-Alive")
-                                .build()
-                            OkHttpClient().newCall(request).execute().close()
-                        } catch (_: Exception) {}
+                    val sessions = (application as BasedBankApp).mibSessions.values.toList()
+                    for (session in sessions) {
+                        withContext(Dispatchers.IO) {
+                            try {
+                                val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
+                                    "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
+                                val request = Request.Builder()
+                                    .url("https://faisamobilex-wv.mib.com.mv/aProfile/keepAlive")
+                                    .post(ByteArray(0).toRequestBody())
+                                    .header("Cookie", cookieHeader)
+                                    .header("User-Agent", "okhttp/4.11.0")
+                                    .header("Accept", "application/json, text/plain, */*")
+                                    .header("Accept-Encoding", "gzip")
+                                    .header("Connection", "Keep-Alive")
+                                    .build()
+                                OkHttpClient().newCall(request).execute().close()
+                            } catch (_: Exception) {}
+                        }
                     }
                 }
             }
@@ -203,12 +235,15 @@ class HomeActivity : AppCompatActivity() {
     }
 
     fun applyNavMode() {
-        val isBottom = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
+        val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
+        val isBottom = prefs.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
+            rebuildBottomNav(prefs)
+            applyNavLabelVisibility()
         } else {
             binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_UNLOCKED)
             toggle.isDrawerIndicatorEnabled = true
@@ -217,25 +252,65 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
+    fun rebuildBottomNav(prefs: android.content.SharedPreferences = getSharedPreferences("prefs", MODE_PRIVATE)) {
+        val slots = NavCustomization.getSlots(prefs)
+        val menu = binding.bottomNavigation.menu
+        menu.clear()
+        menu.add(Menu.NONE, R.id.nav_dashboard, 0, R.string.nav_dashboard)
+            .setIcon(R.drawable.ic_nav_dashboard)
+        slots.forEachIndexed { i, id ->
+            val item = NavCustomization.ALL_SWAPPABLE.find { it.id == id } ?: return@forEachIndexed
+            menu.add(Menu.NONE, item.id, i + 1, item.titleRes).setIcon(item.iconRes)
+        }
+        menu.add(Menu.NONE, R.id.nav_more, 4, R.string.nav_more)
+            .setIcon(R.drawable.ic_nav_more)
+        // Restore selection to current destination after menu rebuild
+        val currentId = binding.navigationView.checkedItem?.itemId
+        if (currentId != null) {
+            val bottomNavIds = (0 until menu.size()).map { menu.getItem(it).itemId }.toSet()
+            val selectId = if (currentId in bottomNavIds) currentId
+                           else if (R.id.nav_more in bottomNavIds) R.id.nav_more
+                           else null
+            if (selectId != null) {
+                suppressBottomNavCallback = true
+                binding.bottomNavigation.selectedItemId = selectId
+                suppressBottomNavCallback = false
+            }
+        }
+    }
+
+fun applyNavLabelVisibility() {
+        val showLabels = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav_show_labels", true)
+        binding.bottomNavigation.labelVisibilityMode =
+            if (showLabels) NavigationBarView.LABEL_VISIBILITY_LABELED
+            else NavigationBarView.LABEL_VISIBILITY_AUTO
+    }
+
     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_dashboard        -> DashboardFragment()
+            R.id.nav_accounts         -> AccountsFragment()
+            R.id.nav_contacts         -> ContactsFragment()
+            R.id.nav_transfer         -> TransferFragment()
+            R.id.nav_pay_mv_qr        -> PayMvQrFragment()
+            R.id.nav_activities       -> ActivitiesFragment()
             R.id.nav_transfer_history -> TransferHistoryFragment()
-            R.id.nav_finances -> FinancingFragment()
-            R.id.nav_otp -> OtpFragment()
-            R.id.nav_settings -> SettingsFragment()
+            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
+        if (binding.bottomNavigation.visibility == View.VISIBLE) {
+            val bottomNavIds = (0 until binding.bottomNavigation.menu.size())
+                .map { binding.bottomNavigation.menu.getItem(it).itemId }.toSet()
+            val selectId = if (itemId in bottomNavIds) itemId else if (R.id.nav_more in bottomNavIds) R.id.nav_more else null
+            if (selectId != null) {
+                suppressBottomNavCallback = true
+                binding.bottomNavigation.selectedItemId = selectId
+                suppressBottomNavCallback = false
+            }
         }
     }
 
@@ -339,6 +414,11 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onCreateOptionsMenu(menu: Menu): Boolean {
         menuInflater.inflate(R.menu.toolbar_menu, menu)
+        val eyeEnabled = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("hide_sensitive_info", false)
+        val eyeItem = menu.findItem(R.id.action_hide_amounts)
+        eyeItem?.isVisible = eyeEnabled
+        val hidden = viewModel.hideAmounts.value ?: false
+        eyeItem?.setIcon(if (hidden) R.drawable.ic_visibility_off else R.drawable.ic_visibility)
         return true
     }
 
@@ -347,56 +427,59 @@ class HomeActivity : AppCompatActivity() {
             lock()
             return true
         }
+        if (item.itemId == R.id.action_hide_amounts) {
+            val newHidden = !(viewModel.hideAmounts.value ?: false)
+            viewModel.hideAmounts.value = newHidden
+            invalidateOptionsMenu()
+            return true
+        }
         return super.onOptionsItemSelected(item)
     }
 
 
     fun relogin() {
         val store = CredentialStore(this)
-        val hasMib = store.hasMibCredentials()
+        val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
-        val hasFahipay = store.hasFahipayCredentials()
-        if (!hasMib && bmlLoginIds.isEmpty() && !hasFahipay) {
+        val fahipayLoginIds = store.getFahipayLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
         }
-        // Immediately drop accounts for logged-out banks from the displayed list
+        // Immediately drop accounts for logged-out logins from the displayed list
         val current = viewModel.accounts.value ?: emptyList()
         viewModel.accounts.value = current.filter { acc ->
-            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
+            if (acc.bank == "MIB") return@filter acc.loginTag.removePrefix("mib_") in mibLoginIds
+            if (acc.bank == "BML") return@filter acc.loginTag.removePrefix("bml_") in bmlLoginIds
+            if (acc.bank == "FAHIPAY") return@filter acc.loginTag.removePrefix("fahipay_") in fahipayLoginIds
             true
         }
-        autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
+        autoRefresh(store)
     }
 
-    private fun autoRefresh(
-        mibCreds: CredentialStore.MibCredentials?,
-        fahipayCreds: CredentialStore.FahipayCredentials?,
-        store: CredentialStore
-    ) {
+    private fun autoRefresh(store: CredentialStore) {
+        val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
-        if (mibCreds == null && bmlLoginIds.isEmpty() && fahipayCreds == null) return
+        val fahipayLoginIds = store.getFahipayLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) return
         binding.refreshIndicator.visibility = View.VISIBLE
 
         lifecycleScope.launch {
-            val mibJob = mibCreds?.let {
-                async(Dispatchers.IO) {
+            // One async job per MIB login, all run in parallel
+            val mibJobs = mibLoginIds.mapNotNull { loginId ->
+                val creds = store.loadMibCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
                     try {
                         val flow = MibLoginFlow(CredentialStore(this@HomeActivity))
-                        val accounts = flow.login(it.username, it.passwordHash, it.otpSeed)
+                        val accounts = flow.login(creds.username, creds.passwordHash, creds.otpSeed)
                         val app = application as BasedBankApp
-                        app.accounts = accounts
-                        app.mibSession = flow.lastSession
-                        app.mibProfiles = flow.lastProfiles
-                        AccountCache.save(this@HomeActivity, accounts)
+                        app.mibSessions[loginId] = flow.lastSession!!
+                        app.mibProfilesMap[loginId] = flow.lastProfiles
+                        app.mibLoginFlows[loginId] = flow
+                        store.saveMibProfiles(loginId, flow.lastProfiles)
                         accounts
-                    } catch (_: Exception) { AccountCache.load(this@HomeActivity) }
+                    } catch (_: Exception) { AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" } }
                 }
             }
 
@@ -404,98 +487,187 @@ class HomeActivity : AppCompatActivity() {
             val bmlJobs = bmlLoginIds.mapNotNull { loginId ->
                 val creds = store.loadBmlCredentials(loginId) ?: return@mapNotNull null
                 loginId to async(Dispatchers.IO) {
-                    val bmlFlow = BmlLoginFlow()
                     val loginTag = "bml_$loginId"
-                    val savedToken = store.loadBmlSession(loginId)
+                    val app = application as BasedBankApp
+                    val savedProfiles = store.loadBmlProfiles(loginId)
+                    val allAccounts = mutableListOf<MibAccount>()
+                    var anyExpired = savedProfiles.isEmpty()
 
-                    if (savedToken != null) {
-                        try {
-                            val session = BmlSession(savedToken.first, savedToken.second)
-                            val accounts = bmlFlow.fetchAccounts(session, loginTag)
-                            val app = application as BasedBankApp
-                            app.bmlSessions[loginId] = session
-                            AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                            return@async Pair(session, accounts)
-                        } catch (_: AuthExpiredException) {
-                        } catch (_: Exception) {
+                    // Try each saved profile's cached session
+                    for (profile in savedProfiles) {
+                        val saved = store.loadBmlProfileSession(profile.profileId)
+                        if (saved != null) {
+                            try {
+                                val session = BmlSession(saved.first, saved.second)
+                                val accounts = BmlLoginFlow().fetchAccounts(session, loginTag, profile.name, profile.profileId)
+                                app.bmlSessions[profile.profileId] = session
+                                allAccounts += accounts
+                            } catch (_: AuthExpiredException) { anyExpired = true
+                            } catch (_: Exception) { anyExpired = true }
+                        } else {
+                            anyExpired = true
                         }
                     }
 
-                    try {
-                        val (session, accounts) = bmlFlow.login(creds.username, creds.password, creds.otpSeed)
-                        store.saveBmlSession(loginId, session.accessToken, session.deviceId)
-                        val app = application as BasedBankApp
-                        app.bmlSessions[loginId] = session
-                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                        Pair(session, accounts)
-                    } catch (_: Exception) {
-                        Pair(null, AccountCache.loadBml(this@HomeActivity, loginId))
+                    if (savedProfiles.isNotEmpty()) app.bmlProfilesMap[loginId] = savedProfiles
+
+                    // Also try legacy single-profile session token (pre-multi-profile installs)
+                    if (savedProfiles.isEmpty()) {
+                        val legacyToken = store.loadBmlSession(loginId)
+                        if (legacyToken != null) {
+                            try {
+                                val session = BmlSession(legacyToken.first, legacyToken.second)
+                                val accounts = BmlLoginFlow().fetchAccounts(session, loginTag)
+                                app.bmlSessions[loginId] = session
+                                allAccounts += accounts
+                                anyExpired = false
+                            } catch (_: AuthExpiredException) { anyExpired = true
+                            } catch (_: Exception) { anyExpired = true }
+                        }
                     }
+
+                    if (anyExpired || allAccounts.isEmpty()) {
+                        // Re-authenticate to refresh personal profile sessions
+                        try {
+                            val flow = app.bmlFlowFor(loginId)
+                            val profiles = flow.login(creds.username, creds.password, creds.otpSeed)
+                            store.saveBmlProfiles(loginId, profiles)
+                            app.bmlProfilesMap[loginId] = profiles
+
+                            for (profile in profiles) {
+                                if (profile.profileType == "business") {
+                                    // Can't activate business profiles without user OTP — use cached
+                                    val cached = AccountCache.loadBml(this@HomeActivity, loginId)
+                                        .filter { it.profileId == profile.profileId }
+                                    if (allAccounts.none { it.profileId == profile.profileId })
+                                        allAccounts += cached
+                                    continue
+                                }
+                                try {
+                                    val result = flow.activateProfile(profile, loginTag)
+                                    if (result is BmlActivationResult.Success) {
+                                        store.saveBmlProfileSession(profile.profileId, result.session.accessToken, result.session.deviceId)
+                                        app.bmlSessions[profile.profileId] = result.session
+                                        allAccounts.removeAll { it.profileId == profile.profileId }
+                                        allAccounts += result.accounts
+                                    }
+                                } catch (_: Exception) {
+                                    if (allAccounts.none { it.profileId == profile.profileId }) {
+                                        allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                                            .filter { it.profileId == profile.profileId }
+                                    }
+                                }
+                            }
+                        } catch (_: Exception) {
+                            if (allAccounts.isEmpty())
+                                allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                        }
+                    }
+
+                    if (allAccounts.isNotEmpty()) AccountCache.saveBml(this@HomeActivity, loginId, allAccounts)
+                    allAccounts as List<MibAccount>
                 }
             }
 
-            val fahipayJob = fahipayCreds?.let { creds ->
-                async(Dispatchers.IO) {
+            // One async job per Fahipay login, all run in parallel
+            val fahipayJobs = fahipayLoginIds.mapNotNull { loginId ->
+                val creds = store.loadFahipayCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
                     val fahipayFlow = FahipayLoginFlow()
                     val deviceUuid = store.getOrCreateFahipayDeviceUuid()
+                    val loginTag = "fahipay_$loginId"
 
-                    val savedSession = store.loadFahipaySession()
+                    val savedSession = store.loadFahipaySession(loginId)
                     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) {
-                        }
+                            app.fahipaySessions[loginId] = session
+                            AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
+                            return@async accounts
+                        } catch (_: Exception) { }
                     }
 
                     try {
                         val step = fahipayFlow.login(creds.idCard, creds.password, deviceUuid)
                         if (step.twoFactorRequired) {
-                            return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                            return@async AccountCache.loadFahipay(this@HomeActivity, loginId)
                         }
-                        val authId = step.authId ?: return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                        val authId = step.authId ?: return@async AccountCache.loadFahipay(this@HomeActivity, loginId)
                         val cookieValue = fahipayFlow.getSessionCookieValue() ?: ""
                         val session = FahipaySession(authId, cookieValue)
-                        store.saveFahipaySession(authId, cookieValue)
+                        store.saveFahipaySession(loginId, 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)
+                        app.fahipaySessions[loginId] = session
+                        AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
+                        accounts
                     } catch (_: Exception) {
-                        Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                        AccountCache.loadFahipay(this@HomeActivity, loginId)
                     }
                 }
             }
 
-            val mibAccounts = mibJob?.await() ?: AccountCache.load(this@HomeActivity)
-            val bmlResults = bmlJobs.map { (_, job) -> job.await() }
-            val bmlAccounts = bmlResults.flatMap { it.second }
-            val (_, fahipayAccounts) = fahipayJob?.await() ?: Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+            val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
+            val mibAccounts = mibResults.flatMap { it.second }
+            val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
+            val fahipayAccounts = fahipayJobs.flatMap { (_, job) -> job.await() }
 
             val app = application as BasedBankApp
+            app.mibAccounts = mibAccounts
+            AccountCache.save(this@HomeActivity, mibAccounts)
             app.bmlAccounts = bmlAccounts
-            viewModel.accounts.postValue(mibAccounts + bmlAccounts + fahipayAccounts)
+            app.fahipayAccounts = fahipayAccounts
+            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts).filterVisibleAccounts())
             binding.refreshIndicator.visibility = View.GONE
 
             for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
-            refreshFinancing(app.mibSession, app.mibProfiles)
+            for ((loginId, session) in app.mibSessions) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+            }
         }
     }
 
+    /** Filters accounts whose profileId the user has hidden in settings. */
+    private fun List<MibAccount>.filterVisibleAccounts(): List<MibAccount> {
+        val store = CredentialStore(this@HomeActivity)
+        return filter { acc ->
+            when (acc.bank) {
+                "MIB" -> {
+                    val loginId = acc.loginTag.removePrefix("mib_")
+                    val hidden = store.getHiddenMibProfileIds(loginId)
+                    hidden.isEmpty() || acc.profileId !in hidden
+                }
+                "BML" -> {
+                    val loginId = acc.loginTag.removePrefix("bml_")
+                    val hidden = store.getHiddenBmlProfileIds(loginId)
+                    hidden.isEmpty() || acc.profileId !in hidden
+                }
+                else -> true
+            }
+        }
+    }
+
+    /** Filters MIB profiles the user has hidden for a given loginId. */
+    private fun List<MibProfile>.filterVisibleProfiles(loginId: String): List<MibProfile> {
+        val hidden = CredentialStore(this@HomeActivity).getHiddenMibProfileIds(loginId)
+        if (hidden.isEmpty()) return this
+        return filter { it.profileId !in hidden }
+    }
+
+    /** Called by SettingsLoginsFragment after the user changes profile visibility. */
+    fun applyProfileVisibility() {
+        val current = viewModel.accounts.value ?: return
+        viewModel.accounts.value = current.filterVisibleAccounts()
+    }
+
     private fun refreshBmlLimits(session: BmlSession) {
         val bmlFlow = BmlLoginFlow()
         lifecycleScope.launch {
@@ -515,10 +687,12 @@ class HomeActivity : AppCompatActivity() {
 
     private fun refreshBmlContacts(app: BasedBankApp) {
         if (app.bmlSessions.isEmpty()) return
+        val store = CredentialStore(this)
         lifecycleScope.launch {
             try {
                 val allBmlContacts = withContext(Dispatchers.IO) {
-                    app.bmlSessions.flatMap { (loginId, session) ->
+                    store.getBmlLoginIds().flatMap { loginId ->
+                        val session = app.anyBmlSessionFor(loginId) ?: return@flatMap emptyList()
                         val contacts = BmlLoginFlow().fetchContacts(session, loginId)
                         if (contacts.isNotEmpty()) ContactsCache.saveBml(this@HomeActivity, loginId, contacts)
                         contacts
@@ -550,9 +724,12 @@ class HomeActivity : AppCompatActivity() {
             if (cats.isNotEmpty()) viewModel.contactCategories.value = cats
         }
         // Refresh all banks in background
-        refreshContacts(app.mibSession, app.mibProfiles)
+        for ((loginId, session) in app.mibSessions) {
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshContacts(loginId, session, profiles.filterVisibleProfiles(loginId))
+        }
         refreshBmlContacts(app)
-        if (app.fahipaySession != null) refreshFahipayContacts(app.fahipaySession!!)
+        for ((_, session) in app.fahipaySessions) refreshFahipayContacts(session)
     }
 
     private fun refreshFahipayContacts(session: FahipaySession) {
@@ -588,9 +765,9 @@ class HomeActivity : AppCompatActivity() {
         return result
     }
 
-    private fun refreshContacts(session: MibSession?, profiles: List<MibProfile>) {
-        if (session == null || profiles.isEmpty()) return
-        val flow = MibLoginFlow(CredentialStore(this))
+    private fun refreshContacts(loginId: String, session: MibSession, profiles: List<MibProfile>) {
+        if (profiles.isEmpty()) return
+        val flow = (application as BasedBankApp).mibFlowFor(loginId)
         val contactsClient = MibContactsClient()
         lifecycleScope.launch {
             try {
@@ -615,8 +792,8 @@ class HomeActivity : AppCompatActivity() {
                 }
                 if (allContacts.isNotEmpty()) {
                     ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
+                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
+                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, store.getBmlLoginIds())
                     val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
                     val fahipayCategories = ContactsCache.loadFahipayCategories(this@HomeActivity)
                     viewModel.contacts.postValue(mergeContacts(mergeContacts(allContacts, bmlContacts), fahipayContacts))
@@ -630,9 +807,9 @@ class HomeActivity : AppCompatActivity() {
         val app = application as BasedBankApp
         lifecycleScope.launch {
             val current = viewModel.accounts.value ?: emptyList()
-            if (src.profileType == "FAHIPAY") {
+            if (src.bank == "FAHIPAY") {
                 val fresh = withContext(Dispatchers.IO) {
-                    val sess = app.fahipaySession ?: return@withContext null
+                    val sess = app.fahipaySessionFor(src) ?: return@withContext null
                     try {
                         val flow = FahipayLoginFlow()
                         flow.setSessionCookie(sess.sessionCookie)
@@ -640,14 +817,15 @@ class HomeActivity : AppCompatActivity() {
                         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
+                        val loginId = src.loginTag.removePrefix("fahipay_")
+                        AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
+                        app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != src.loginTag } + accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val others = current.filter { it.profileType != "FAHIPAY" }
+                val others = current.filter { it.bank != "FAHIPAY" }
                 viewModel.accounts.postValue(others + fresh)
-            } else if (src.profileType.startsWith("BML")) {
+            } else if (src.bank == "BML") {
                 val loginId = src.loginTag.removePrefix("bml_")
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.bmlSessionFor(src) ?: return@withContext null
@@ -659,27 +837,46 @@ class HomeActivity : AppCompatActivity() {
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val otherAccounts = current.filter { !it.profileType.startsWith("BML") || it.loginTag != src.loginTag }
+                val otherAccounts = current.filter { it.bank != "BML" || it.loginTag != src.loginTag }
                 viewModel.accounts.postValue(otherAccounts + fresh)
             } else {
+                val loginId = src.loginTag.removePrefix("mib_")
                 val fresh = withContext(Dispatchers.IO) {
-                    val sess = app.mibSession ?: return@withContext null
-                    val profile = app.mibProfiles.firstOrNull { it.profileId == src.profileId } ?: return@withContext null
-                    try { MibLoginFlow(CredentialStore(this@HomeActivity)).fetchAllProfiles(sess, listOf(profile), src.loginTag) }
-                    catch (_: Exception) { null }
+                    val store = CredentialStore(this@HomeActivity)
+                    val hidden = store.getHiddenMibProfileIds(loginId)
+                    val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                    val allVisible = profiles.filter { hidden.isEmpty() || it.profileId !in hidden }
+                    val sess = app.mibSessions[loginId]
+                    if (sess != null && allVisible.isNotEmpty()) {
+                        try {
+                            val accounts = app.mibFlowFor(loginId).fetchAllProfiles(sess, allVisible, src.loginTag)
+                            if (accounts.isNotEmpty()) return@withContext accounts
+                        } catch (_: Exception) { }
+                    }
+                    val creds = store.loadMibCredentials(loginId) ?: return@withContext null
+                    try {
+                        val flow = MibLoginFlow(store)
+                        val accounts = flow.login(creds.username, creds.passwordHash, creds.otpSeed)
+                        app.mibSessions[loginId] = flow.lastSession!!
+                        app.mibProfilesMap[loginId] = flow.lastProfiles
+                        app.mibLoginFlows[loginId] = flow
+                        store.saveMibProfiles(loginId, flow.lastProfiles)
+                        accounts.takeIf { it.isNotEmpty() }
+                    } catch (_: Exception) { null }
                 } ?: return@launch
-                // Replace accounts from this profile only, keep everything else
-                val others = current.filter { it.profileId != src.profileId || it.profileType.startsWith("BML") }
-                val merged = others + fresh
-                AccountCache.save(this@HomeActivity, merged.filter { !it.profileType.startsWith("BML") })
-                viewModel.accounts.postValue(merged)
+                // Replace accounts for this MIB login
+                val others = current.filter { it.loginTag != src.loginTag }
+                val newMibAccounts = app.mibAccounts.filter { it.loginTag != src.loginTag } + fresh
+                app.mibAccounts = newMibAccounts
+                AccountCache.save(this@HomeActivity, newMibAccounts)
+                viewModel.accounts.postValue(others + fresh)
             }
         }
     }
 
-    private fun refreshFinancing(session: MibSession?, profiles: List<MibProfile>) {
-        if (session == null || profiles.isEmpty()) return
-        val flow = MibLoginFlow(CredentialStore(this))
+    private fun refreshFinancing(loginId: String, session: MibSession, profiles: List<MibProfile>) {
+        if (profiles.isEmpty()) return
+        val flow = (application as BasedBankApp).mibFlowFor(loginId)
         val client = MibFinancingClient()
         lifecycleScope.launch {
             try {

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

@@ -16,4 +16,6 @@ class HomeViewModel : ViewModel() {
 
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
+
+    val hideAmounts = MutableLiveData<Boolean>(false)
 }

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.ui.home
 
+import android.content.Context
 import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
@@ -7,35 +8,23 @@ 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 prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val items = NavCustomization.getMoreItems(prefs)
         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.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.iconRes)
+            row.findViewById<TextView>(R.id.tvLabel).setText(item.titleRes)
             row.setOnClickListener { (requireActivity() as HomeActivity).navigateTo(item.id) }
             list.addView(row)
         }

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

@@ -0,0 +1,61 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.SharedPreferences
+import androidx.annotation.DrawableRes
+import androidx.annotation.StringRes
+import sh.sar.basedbank.R
+
+object NavCustomization {
+
+    data class NavItemDef(
+        val id: Int,
+        @DrawableRes val iconRes: Int,
+        @StringRes val titleRes: Int
+    )
+
+    /** All items that can occupy either a bottom nav slot or the "More" screen. */
+    val ALL_SWAPPABLE = listOf(
+        NavItemDef(R.id.nav_accounts,         R.drawable.ic_nav_accounts,         R.string.nav_accounts),
+        NavItemDef(R.id.nav_contacts,         R.drawable.ic_contacts,             R.string.nav_contacts),
+        NavItemDef(R.id.nav_transfer,         R.drawable.ic_send,                 R.string.transfer),
+        NavItemDef(R.id.nav_pay_mv_qr,        R.drawable.ic_qr_scan,              R.string.pay_mv_qr),
+        NavItemDef(R.id.nav_activities,       R.drawable.ic_nav_activities,       R.string.nav_activities),
+        NavItemDef(R.id.nav_transfer_history, R.drawable.ic_nav_transfer_history, R.string.nav_transfer_history),
+        NavItemDef(R.id.nav_finances,         R.drawable.ic_nav_finances,         R.string.nav_finances),
+        NavItemDef(R.id.nav_card_settings,    R.drawable.ic_nav_card,             R.string.nav_card_settings),
+        NavItemDef(R.id.nav_otp,              R.drawable.ic_nav_otp,              R.string.nav_otp),
+        NavItemDef(R.id.nav_settings,         R.drawable.ic_nav_settings,         R.string.nav_settings),
+    )
+
+    fun getSlots(prefs: SharedPreferences): List<Int> = listOf(
+        prefs.getInt("bottom_nav_slot_1", R.id.nav_accounts),
+        prefs.getInt("bottom_nav_slot_2", R.id.nav_contacts),
+        prefs.getInt("bottom_nav_slot_3", R.id.nav_transfer),
+    )
+
+    fun saveSlots(prefs: SharedPreferences, slots: List<Int>) {
+        prefs.edit()
+            .putInt("bottom_nav_slot_1", slots[0])
+            .putInt("bottom_nav_slot_2", slots[1])
+            .putInt("bottom_nav_slot_3", slots[2])
+            .apply()
+    }
+
+    fun getQuickActions(prefs: SharedPreferences): List<Int> = listOf(
+        prefs.getInt("quick_action_1", R.id.nav_transfer),
+        prefs.getInt("quick_action_2", R.id.nav_pay_mv_qr),
+    )
+
+    fun saveQuickActions(prefs: SharedPreferences, ids: List<Int>) {
+        prefs.edit()
+            .putInt("quick_action_1", ids[0])
+            .putInt("quick_action_2", ids[1])
+            .apply()
+    }
+
+    /** Items that belong in the "More" screen — those not occupying a bottom nav slot. */
+    fun getMoreItems(prefs: SharedPreferences): List<NavItemDef> {
+        val slots = getSlots(prefs).toSet()
+        return ALL_SWAPPABLE.filter { it.id !in slots }
+    }
+}

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

@@ -1,7 +1,9 @@
 package sh.sar.basedbank.ui.home
 
+import android.content.Context
 import android.os.Bundle
 import android.view.LayoutInflater
+import android.view.Menu
 import android.view.View
 import android.view.ViewGroup
 import com.google.android.material.bottomsheet.BottomSheetDialogFragment
@@ -16,7 +18,14 @@ class NavMoreSheetFragment : BottomSheetDialogFragment() {
         inflater.inflate(R.layout.sheet_nav_more, container, false)
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        view.findViewById<NavigationView>(R.id.navMoreView).setNavigationItemSelectedListener { item ->
+        val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val items = NavCustomization.getMoreItems(prefs)
+        val navView = view.findViewById<NavigationView>(R.id.navMoreView)
+        navView.menu.clear()
+        items.forEachIndexed { i, item ->
+            navView.menu.add(Menu.NONE, item.id, i, item.titleRes).setIcon(item.iconRes)
+        }
+        navView.setNavigationItemSelectedListener { item ->
             dismiss()
             onNavigate?.invoke(item.itemId)
             true

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

@@ -71,8 +71,9 @@ class OtpFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         val entries = mutableListOf<OtpEntry>()
-        store.loadMibCredentials()?.let { creds ->
-            val name = store.loadMibFullName()
+        for (loginId in store.getMibLoginIds()) {
+            val creds = store.loadMibCredentials(loginId) ?: continue
+            val name = store.loadMibFullName(loginId)
             entries.add(OtpEntry(if (name != null) "MIB · $name" else "MIB", creds.otpSeed))
         }
         for (loginId in store.getBmlLoginIds()) {
@@ -88,20 +89,23 @@ class OtpFragment : Fragment() {
         // Fetch real names in background if not yet cached, then refresh labels
         viewLifecycleOwner.lifecycleScope.launch {
             var changed = false
-            if (store.loadMibFullName() == null) {
-                app.mibSession?.let { session ->
+            for (loginId in store.getMibLoginIds()) {
+                if (store.loadMibFullName(loginId) == null) {
+                    val session = app.mibSessions[loginId] ?: continue
+                    val flow = app.mibFlowFor(loginId)
                     val profile = withContext(Dispatchers.IO) {
-                        try { app.mibLoginFlow.fetchPersonalProfile(session) } catch (_: Exception) { null }
+                        try { flow.fetchPersonalProfile(session) } catch (_: Exception) { null }
                     }
                     if (profile != null) {
-                        store.saveMibUserProfile(CredentialStore.MibUserProfile(
+                        store.saveMibUserProfile(loginId, CredentialStore.MibUserProfile(
                             fullName = profile.fullName,
                             username = profile.username,
                             email = profile.email,
                             mobile = profile.mobile,
                             enrolled = profile.enrolled
                         ))
-                        val idx = entries.indexOfFirst { it.seed == store.loadMibCredentials()?.otpSeed }
+                        val seed = store.loadMibCredentials(loginId)?.otpSeed
+                        val idx = entries.indexOfFirst { it.seed == seed }
                         if (idx >= 0) { entries[idx] = entries[idx].copy(label = "MIB · ${profile.fullName}"); changed = true }
                     }
                 }

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

@@ -0,0 +1,420 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.ContentValues
+import android.content.Context
+import android.graphics.*
+import android.os.Build
+import android.os.Bundle
+import android.os.Environment
+import android.provider.MediaStore
+import android.app.Activity
+import android.content.Intent
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.*
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.appcompat.content.res.AppCompatResources
+import androidx.core.content.FileProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.view.updatePadding
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import com.google.zxing.BarcodeFormat
+import com.google.zxing.EncodeHintType
+import com.google.zxing.qrcode.QRCodeWriter
+import com.google.zxing.qrcode.decoder.ErrorCorrectionLevel
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.Job
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.databinding.FragmentPayMvQrBinding
+import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.util.PaymvQrParser
+import java.io.File
+import java.io.FileOutputStream
+
+class PayMvQrFragment : Fragment() {
+
+    private var _binding: FragmentPayMvQrBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private var selectedAccount: MibAccount? = null
+    private var generatedBitmap: Bitmap? = null
+    private var generateJob: Job? = 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
+        val qr = PaymvQrParser.parse(raw)
+        if (qr == null || qr.accountNumber == null) {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            return@registerForActivityResult
+        }
+        val activity = requireActivity() as HomeActivity
+        activity.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromQr(
+            accountNumber = qr.accountNumber,
+            displayName   = qr.merchantName ?: qr.accountNumber,
+            amount        = qr.amount,
+            remarks       = qr.purpose
+        ))
+    }
+
+    override fun onCreateView(
+        inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?
+    ): View {
+        _binding = FragmentPayMvQrBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val basePaddingBottom = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.updatePadding(bottom = basePaddingBottom + navBar.bottom)
+            insets
+        }
+        setupDropdown()
+        binding.etAmount.addTextChangedListener { scheduleGenerate() }
+        binding.btnShare.isEnabled = false
+        binding.btnSave.isEnabled = false
+        binding.btnShare.setOnClickListener { shareQr() }
+        binding.btnSave.setOnClickListener { saveQr() }
+        binding.btnScanQr.setOnClickListener {
+            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
+    }
+
+    private fun setupDropdown() {
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            val eligible = accounts.filter {
+                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT"
+            }
+            val adapter = QrAccountAdapter(requireContext(), eligible)
+            binding.actvAccount.setAdapter(adapter)
+            binding.actvAccount.setOnItemClickListener { _, _, position, _ ->
+                val picked = adapter.getAccount(position) ?: return@setOnItemClickListener
+                selectedAccount = picked
+                scheduleGenerate()
+            }
+        }
+    }
+
+    private fun scheduleGenerate() {
+        generateJob?.cancel()
+        generateJob = viewLifecycleOwner.lifecycleScope.launch {
+            delay(300)
+            generateQr()
+        }
+    }
+
+    private suspend fun generateQr() {
+        val account = selectedAccount ?: return
+        val acquirer = when (account.bank) {
+            "BML"     -> "MALBMVMV"
+            "MIB"     -> "MADVMVMV"
+            "FAHIPAY" -> "FAHIMVMV"
+            else      -> "MADVMVMV"
+        }
+        val amountFormatted = binding.etAmount.text?.toString()?.trim()
+            ?.replace(",", "")
+            ?.toDoubleOrNull()
+            ?.takeIf { it > 0 }
+            ?.let { "%.2f".format(it) }
+
+        val ctx = requireContext()
+        val bmp = withContext(Dispatchers.Default) {
+            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted)
+            renderQrCard(ctx, account, payload, amountFormatted)
+        }
+        if (_binding == null) return
+        generatedBitmap = bmp
+        binding.tvQrPlaceholder.visibility = View.GONE
+        binding.ivQrCard.setImageBitmap(bmp)
+        binding.ivQrCard.visibility = View.VISIBLE
+        binding.btnShare.isEnabled = true
+        binding.btnSave.isEnabled = true
+    }
+
+    // ── EMV MPQR payload ──────────────────────────────────────────────────────
+
+    private fun buildQrPayload(
+        accountNumber: String,
+        accountName: String,
+        acquirer: String,
+        amountStr: String?
+    ): String {
+        fun tlv(tag: String, value: String): String {
+            val len = value.length
+            return tag + (if (len < 10) "0$len" else "$len") + value
+        }
+        val format       = tlv("00", "01")
+        val poi          = tlv("01", "11")
+        val sub00        = tlv("00", "mv.favara.mpqr")
+        val sub01        = tlv("01", acquirer)
+        val sub03        = tlv("03", accountNumber)
+        val sub10        = tlv("10", "IPAY")
+        val merchantAcct = tlv("26", sub00 + sub01 + sub03 + sub10)
+        val currency     = tlv("53", "462")
+        val amountTLV    = if (!amountStr.isNullOrBlank()) tlv("54", amountStr) else ""
+        val country      = tlv("58", "MV")
+        val name         = tlv("59", accountName.take(25))
+        val prefix       = format + poi + merchantAcct + currency + amountTLV + country + name + "6304"
+        return prefix + crc16(prefix)
+    }
+
+    private fun crc16(data: String): String {
+        var crc = 0xFFFF
+        for (c in data) {
+            crc = crc xor ((c.code and 0xFF) shl 8)
+            repeat(8) {
+                crc = if (crc and 0x8000 != 0) ((crc shl 1) and 0xFFFF) xor 0x1021
+                      else (crc shl 1) and 0xFFFF
+            }
+        }
+        return crc.toString(16).uppercase().padStart(4, '0')
+    }
+
+    // ── QR card rendering ────────────────────────────────────────────────────
+
+    private fun renderQrCard(
+        ctx: Context,
+        account: MibAccount,
+        qrPayload: String,
+        amountStr: String?
+    ): Bitmap {
+        val W = 900
+        val H = 1080
+        val outerCorner = 48f
+        val boxBlue    = Color.parseColor("#2272B7")
+        val footerBlue = Color.parseColor("#1A5799")
+        val boxL = 24f; val boxT = 110f; val boxR = 876f; val boxB = 962f
+
+        val bm = Bitmap.createBitmap(W, H, Bitmap.Config.ARGB_8888)
+        val canvas = Canvas(bm)
+        val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+
+        // Clip to outer rounded card shape
+        val outerPath = Path()
+        outerPath.addRoundRect(RectF(0f, 0f, W.toFloat(), H.toFloat()), outerCorner, outerCorner, Path.Direction.CW)
+        canvas.clipPath(outerPath)
+        canvas.drawColor(Color.WHITE)
+
+        // --- Bank logo top-left ---
+        val logoRes = when (account.bank) {
+            "BML"     -> R.drawable.bml_logo_vector
+            "MIB"     -> R.drawable.mib_faisanet_logo
+            else      -> R.drawable.fahipay_logo_long
+        }
+        AppCompatResources.getDrawable(ctx, logoRes)?.let { d ->
+            val nW = d.intrinsicWidth.coerceAtLeast(1)
+            val nH = d.intrinsicHeight.coerceAtLeast(1)
+            val maxW = 180f; val maxH = 76f
+            val scale = minOf(maxW / nW, maxH / nH)
+            val lW = (nW * scale).toInt()
+            val lH = (nH * scale).toInt()
+            val lTop = ((boxT - lH) / 2).toInt().coerceAtLeast(10)
+            d.setBounds(24, lTop, 24 + lW, lTop + lH)
+            d.draw(canvas)
+        }
+
+        // --- "PayMV QR" top-right ---
+        paint.color = Color.parseColor("#1A1A2E")
+        paint.textSize = 36f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.RIGHT
+        canvas.drawText("PayMV QR", W - 28f, 66f, paint)
+
+        // --- Blue rounded box ---
+        paint.color = boxBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRoundRect(RectF(boxL, boxT, boxR, boxB), 36f, 36f, paint)
+
+        // Account name (white, bold, uppercase, auto-scaled to fit)
+        paint.color = Color.WHITE
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
+        val nameText = account.accountBriefName.uppercase()
+        paint.textSize = 36f
+        val maxNameW = boxR - boxL - 48f
+        if (paint.measureText(nameText) > maxNameW) {
+            paint.textSize = 36f * maxNameW / paint.measureText(nameText)
+        }
+        val nameBaseline = boxT + 68f
+        canvas.drawText(nameText, W / 2f, nameBaseline, paint)
+
+        // Optional amount below name
+        val qrTopY: Float
+        if (!amountStr.isNullOrBlank()) {
+            paint.textSize = 28f
+            paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.NORMAL)
+            val amtBaseline = nameBaseline + 42f
+            canvas.drawText("MVR $amountStr", W / 2f, amtBaseline, paint)
+            qrTopY = amtBaseline + 20f
+        } else {
+            qrTopY = nameBaseline + 26f
+        }
+
+        // QR code — white modules on the same blue as the box background
+        val availH = boxB - qrTopY - 24f
+        val qrPx = minOf(availH, boxR - boxL - 48f).toInt().coerceAtMost(700).coerceAtLeast(200)
+        val qrLeft = ((W - qrPx) / 2).toFloat()
+        try {
+            val hints = mapOf(
+                EncodeHintType.MARGIN to 0,
+                EncodeHintType.ERROR_CORRECTION to ErrorCorrectionLevel.M
+            )
+            val matrix = QRCodeWriter().encode(qrPayload, BarcodeFormat.QR_CODE, qrPx, qrPx, hints)
+            val pixels = IntArray(qrPx * qrPx)
+            for (y in 0 until qrPx) {
+                for (x in 0 until qrPx) {
+                    pixels[y * qrPx + x] = if (matrix[x, y]) Color.WHITE else boxBlue
+                }
+            }
+            val qrBm = Bitmap.createBitmap(pixels, qrPx, qrPx, Bitmap.Config.ARGB_8888)
+            canvas.drawBitmap(qrBm, qrLeft, qrTopY, null)
+            qrBm.recycle()
+        } catch (_: Exception) { /* skip if encoding fails */ }
+
+        // --- Dark blue footer ---
+        paint.color = footerBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRect(RectF(0f, 970f, W.toFloat(), H.toFloat()), paint)
+        paint.color = Color.WHITE
+        paint.textSize = 32f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
+        canvas.drawText("MALDIVES NATIONAL QR", W / 2f, 1038f, paint)
+
+        return bm
+    }
+
+    // ── Share / Save ─────────────────────────────────────────────────────────
+
+    private fun shareQr() {
+        val bmp = generatedBitmap ?: return
+        val account = selectedAccount ?: return
+        lifecycleScope.launch {
+            val uri = withContext(Dispatchers.IO) {
+                try {
+                    val dir = File(requireContext().cacheDir, "qr")
+                    dir.mkdirs()
+                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val file = File(dir, "${safeName}_paymv_qr.png")
+                    FileOutputStream(file).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
+                    FileProvider.getUriForFile(
+                        requireContext(),
+                        "${requireContext().packageName}.fileprovider",
+                        file
+                    )
+                } catch (_: Exception) { null }
+            }
+            if (uri == null || _binding == null) return@launch
+            val intent = android.content.Intent(android.content.Intent.ACTION_SEND).apply {
+                type = "image/png"
+                putExtra(android.content.Intent.EXTRA_STREAM, uri)
+                addFlags(android.content.Intent.FLAG_GRANT_READ_URI_PERMISSION)
+            }
+            startActivity(android.content.Intent.createChooser(intent, getString(R.string.paymvqr_share)))
+        }
+    }
+
+    private fun saveQr() {
+        val bmp = generatedBitmap ?: return
+        val account = selectedAccount ?: return
+        lifecycleScope.launch {
+            val saved = withContext(Dispatchers.IO) {
+                try {
+                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val filename = "${safeName}_PayMV_QR.png"
+                    if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.Q) {
+                        val values = ContentValues().apply {
+                            put(MediaStore.Images.Media.DISPLAY_NAME, filename)
+                            put(MediaStore.Images.Media.MIME_TYPE, "image/png")
+                            put(MediaStore.Images.Media.RELATIVE_PATH, Environment.DIRECTORY_PICTURES)
+                        }
+                        val uri = requireContext().contentResolver.insert(
+                            MediaStore.Images.Media.EXTERNAL_CONTENT_URI, values
+                        ) ?: return@withContext false
+                        requireContext().contentResolver.openOutputStream(uri)?.use {
+                            bmp.compress(Bitmap.CompressFormat.PNG, 100, it)
+                        }
+                    } else {
+                        @Suppress("DEPRECATION")
+                        val dir = Environment.getExternalStoragePublicDirectory(Environment.DIRECTORY_PICTURES)
+                        dir.mkdirs()
+                        FileOutputStream(File(dir, filename)).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
+                    }
+                    true
+                } catch (_: Exception) { false }
+            }
+            if (_binding == null) return@launch
+            Toast.makeText(
+                requireContext(),
+                if (saved) R.string.paymvqr_saved else R.string.paymvqr_save_failed,
+                Toast.LENGTH_SHORT
+            ).show()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.pay_mv_qr)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    // ── Account dropdown adapter ──────────────────────────────────────────────
+
+    private inner class QrAccountAdapter(
+        private val context: Context,
+        private val accounts: List<MibAccount>
+    ) : BaseAdapter(), Filterable {
+
+        fun getAccount(position: Int): MibAccount? = accounts.getOrNull(position)
+
+        override fun getCount() = accounts.size
+        override fun getItem(position: Int) = accounts.getOrNull(position)
+        override fun getItemId(position: Int) = position.toLong()
+
+        override fun getView(position: Int, convertView: View?, parent: ViewGroup) =
+            getDropDownView(position, convertView, parent)
+
+        override fun getDropDownView(position: Int, convertView: View?, parent: ViewGroup): View {
+            val acc = accounts[position]
+            val b = if (convertView?.tag is ItemAccountDropdownBinding) {
+                convertView.tag as ItemAccountDropdownBinding
+            } else {
+                ItemAccountDropdownBinding.inflate(LayoutInflater.from(context), parent, false)
+                    .also { it.root.tag = it }
+            }
+            val ownerPrefix = if (acc.bank == "BML" && acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
+            b.tvDropdownAccountName.text = "$ownerPrefix${acc.accountBriefName}"
+            b.tvDropdownAccountNumber.text = acc.accountNumber
+            b.tvDropdownBalance.text = ""
+            b.root.alpha = 1f
+            return b.root
+        }
+
+        override fun getFilter() = object : Filter() {
+            override fun performFiltering(c: CharSequence?) =
+                FilterResults().apply { values = accounts; count = accounts.size }
+            override fun publishResults(c: CharSequence?, r: FilterResults?) = notifyDataSetChanged()
+            override fun convertResultToString(r: Any?) =
+                (r as? MibAccount)?.let {
+                    val prefix = if (it.bank == "BML" && it.profileName.isNotBlank()) "${it.profileName} · " else ""
+                    "$prefix${it.accountBriefName}"
+                } ?: ""
+        }
+    }
+}

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

@@ -1,29 +1,45 @@
 package sh.sar.basedbank.ui.home
 
 import android.content.Context
+import android.content.SharedPreferences
 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.ScrollView
+import android.widget.TextView
 import androidx.appcompat.app.AppCompatDelegate
 import androidx.appcompat.app.AppCompatDelegate.setApplicationLocales
 import androidx.core.os.LocaleListCompat
 import androidx.fragment.app.Fragment
+import androidx.recyclerview.widget.ItemTouchHelper
+import androidx.recyclerview.widget.LinearLayoutManager
+import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentSettingsAppearanceBinding
+import java.util.Collections
 
 class SettingsAppearanceFragment : Fragment() {
 
     private var _binding: FragmentSettingsAppearanceBinding? = null
     private val binding get() = _binding!!
 
+    private lateinit var prefs: SharedPreferences
+    private val slots = mutableListOf<Int>()
+    private val quickActions = mutableListOf<Int>()
+    private lateinit var slotAdapter: NavItemAdapter
+    private lateinit var quickActionAdapter: NavItemAdapter
+
     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)
+        prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
 
         // Navigation mode
         val isBottom = prefs.getBoolean("bottom_nav", false)
@@ -32,8 +48,35 @@ class SettingsAppearanceFragment : Fragment() {
             if (!isChecked) return@addOnButtonCheckedListener
             prefs.edit().putBoolean("bottom_nav", checkedId == R.id.btnNavBottom).apply()
             (activity as? HomeActivity)?.applyNavMode()
+            updateShortcutsVisibility()
         }
 
+        // Quick actions
+        quickActions.clear()
+        quickActions.addAll(NavCustomization.getQuickActions(prefs))
+        quickActionAdapter = NavItemAdapter(quickActions) {
+            NavCustomization.saveQuickActions(prefs, quickActions)
+        }
+        setupNavItemRecyclerView(binding.rvQuickActions, quickActionAdapter, quickActions)
+
+        // Bottom bar shortcuts
+        slots.clear()
+        slots.addAll(NavCustomization.getSlots(prefs))
+        slotAdapter = NavItemAdapter(slots) {
+            NavCustomization.saveSlots(prefs, slots)
+            (activity as? HomeActivity)?.rebuildBottomNav(prefs)
+        }
+        setupNavItemRecyclerView(binding.rvNavSlots, slotAdapter, slots)
+        // Show labels toggle
+        val showLabels = prefs.getBoolean("bottom_nav_show_labels", true)
+        binding.switchShowLabels.isChecked = showLabels
+        binding.switchShowLabels.setOnCheckedChangeListener { _, checked ->
+            prefs.edit().putBoolean("bottom_nav_show_labels", checked).apply()
+            (activity as? HomeActivity)?.applyNavLabelVisibility()
+        }
+
+        updateShortcutsVisibility()
+
         // Theme
         val saved = prefs.getString("theme", "system")
         binding.themeToggle.check(when (saved) {
@@ -63,6 +106,95 @@ class SettingsAppearanceFragment : Fragment() {
         }
     }
 
+    private fun setupNavItemRecyclerView(
+        rv: RecyclerView,
+        adapter: NavItemAdapter,
+        items: MutableList<Int>
+    ) {
+        rv.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
+        rv.adapter = adapter
+        ItemTouchHelper(object : ItemTouchHelper.SimpleCallback(
+            ItemTouchHelper.START or ItemTouchHelper.END, 0
+        ) {
+            override fun onMove(
+                rv: RecyclerView,
+                from: RecyclerView.ViewHolder,
+                to: RecyclerView.ViewHolder
+            ): Boolean {
+                val fromPos = from.adapterPosition
+                val toPos = to.adapterPosition
+                Collections.swap(items, fromPos, toPos)
+                adapter.notifyItemMoved(fromPos, toPos)
+                adapter.onSave()
+                return true
+            }
+            override fun onSwiped(viewHolder: RecyclerView.ViewHolder, direction: Int) {}
+        }).attachToRecyclerView(rv)
+    }
+
+    private fun updateShortcutsVisibility() {
+        val isBottom = prefs.getBoolean("bottom_nav", false)
+        binding.sectionBottomBarShortcuts.alpha = if (isBottom) 1f else 0.38f
+    }
+
+    private fun showItemPicker(items: MutableList<Int>, slotIndex: Int, adapter: NavItemAdapter) {
+        if (items === slots && !prefs.getBoolean("bottom_nav", false)) return
+        val ctx = requireContext()
+        val otherIds = items.filterIndexed { i, _ -> i != slotIndex }.toSet()
+        val available = NavCustomization.ALL_SWAPPABLE.filter { it.id !in otherIds }
+        val listLayout = LinearLayout(ctx).apply { orientation = LinearLayout.VERTICAL }
+        val rows = available.map { item ->
+            LayoutInflater.from(ctx).inflate(R.layout.item_more_nav, listLayout, false).also { row ->
+                row.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.iconRes)
+                row.findViewById<TextView>(R.id.tvLabel).setText(item.titleRes)
+                listLayout.addView(row)
+            }
+        }
+        val scroll = ScrollView(ctx).apply { addView(listLayout) }
+        var dialog: androidx.appcompat.app.AlertDialog? = null
+        dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.settings_bottom_bar_select)
+            .setView(scroll)
+            .setNegativeButton(R.string.cancel, null)
+            .show()
+        available.forEachIndexed { i, item ->
+            rows[i].setOnClickListener {
+                items[slotIndex] = item.id
+                adapter.onSave()
+                adapter.notifyItemChanged(slotIndex)
+                dialog?.dismiss()
+            }
+        }
+    }
+
+    private inner class NavItemAdapter(
+        val items: MutableList<Int>,
+        val onSave: () -> Unit
+    ) : RecyclerView.Adapter<NavItemAdapter.VH>() {
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            val ivNavIcon: ImageView = view.findViewById(R.id.ivNavIcon)
+            val tvNavLabel: TextView = view.findViewById(R.id.tvNavLabel)
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH {
+            val view = LayoutInflater.from(parent.context).inflate(R.layout.item_nav_slot, parent, false)
+            val itemWidth = if (parent.measuredWidth > 0) parent.measuredWidth / items.size
+                            else RecyclerView.LayoutParams.WRAP_CONTENT
+            view.layoutParams = RecyclerView.LayoutParams(itemWidth, RecyclerView.LayoutParams.WRAP_CONTENT)
+            return VH(view)
+        }
+
+        override fun getItemCount() = items.size
+
+        override fun onBindViewHolder(holder: VH, position: Int) {
+            val def = NavCustomization.ALL_SWAPPABLE.find { it.id == items[position] } ?: return
+            holder.ivNavIcon.setImageResource(def.iconRes)
+            holder.tvNavLabel.setText(def.titleRes)
+            holder.itemView.setOnClickListener { showItemPicker(items, holder.adapterPosition, this) }
+        }
+    }
+
     override fun onResume() {
         super.onResume()
         requireActivity().title = getString(R.string.settings_appearance)

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

@@ -12,8 +12,11 @@ import android.widget.LinearLayout
 import android.widget.TextView
 import androidx.fragment.app.Fragment
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.materialswitch.MaterialSwitch
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlProfile
+import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentSettingsLoginsBinding
 import sh.sar.basedbank.ui.login.LoginActivity
@@ -58,60 +61,32 @@ class SettingsLoginsFragment : Fragment() {
         val container = binding.loginsContainer
         container.removeAllViews()
 
-        val hasMib = store.hasMibCredentials()
+        val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
-        val hasFahipay = store.hasFahipayCredentials()
+        val fahipayLoginIds = store.getFahipayLoginIds()
 
-        binding.tvLoginsTitle.visibility = if (hasMib || bmlLoginIds.isNotEmpty() || hasFahipay) View.VISIBLE else View.GONE
+        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
 
-        if (hasMib) {
-            val profile = store.loadMibUserProfile()
+        for (loginId in mibLoginIds) {
+            val profile = store.loadMibUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.mib_name)
-            val profileNames = AccountCache.load(ctx).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            val mibProfiles = store.loadMibProfiles(loginId)
             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) } }
-                )
+                showMibLoginDetails(store, loginId, profile, mibProfiles)
             }
         }
 
         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()
+            val bmlProfiles = store.loadBmlProfiles(loginId)
             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) } }
-                )
+                showBmlLoginDetails(store, loginId, profile, bmlProfiles)
             }
         }
 
-        if (hasFahipay) {
-            val profile = store.loadFahipayUserProfile()
+        for (loginId in fahipayLoginIds) {
+            val profile = store.loadFahipayUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
             addLoginRow(container, R.drawable.fahipay_logo, displayName) {
                 showLoginDetails(
@@ -122,7 +97,7 @@ class SettingsLoginsFragment : Fragment() {
                         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) } }
+                    onLogout = { confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) } }
                 )
             }
         }
@@ -154,6 +129,247 @@ class SettingsLoginsFragment : Fragment() {
         container.addView(row)
     }
 
+    private fun showMibLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.MibUserProfile?,
+        mibProfiles: List<MibProfile>
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val originalHidden = store.getHiddenMibProfileIds(loginId)
+        val hidden = originalHidden.toMutableSet()
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        // Account info lines
+        listOfNotNull(
+            profile?.fullName?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: $it" },
+            profile?.mobile?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: $it" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (mibProfiles.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        // Build toggle rows — wired up after dialog.show() so we can reference the Save button
+        val toggleRows = mibProfiles.map { p ->
+            val row = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val textCol = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            textCol.addView(TextView(ctx).apply {
+                text = p.name
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+            })
+            if (p.cifType.isNotBlank()) {
+                textCol.addView(TextView(ctx).apply {
+                    text = p.cifType
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.6f
+                })
+            }
+            val toggle = MaterialSwitch(ctx).apply { isChecked = p.profileId !in hidden }
+            row.addView(textCol)
+            row.addView(toggle)
+            container.addView(row)
+            p to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = mibProfiles.count { it.profileId !in hidden }
+            toggleRows.forEach { (p, toggle) ->
+                // Disable the sole remaining visible toggle so it can't be turned off
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.mib_name))
+            .setView(scroll)
+            .setPositiveButton(R.string.save, null)   // null — set manually after show()
+            .setNeutralButton(R.string.close, null)
+            .setNegativeButton(R.string.settings_logout) { _, _ ->
+                confirmLogout(getString(R.string.mib_name)) { logoutMib(store, loginId) }
+            }
+            .show()
+
+        val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        saveBtn.isEnabled = false
+        updateToggleStates(saveBtn)
+
+        toggleRows.forEach { (p, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (checked) hidden.remove(p.profileId) else hidden.add(p.profileId)
+                updateToggleStates(saveBtn)
+            }
+        }
+
+        saveBtn.setOnClickListener {
+            store.setHiddenMibProfileIds(loginId, hidden)
+            clearAllCaches(ctx)
+            dialog.dismiss()
+            (activity as? HomeActivity)?.relogin()
+        }
+    }
+
+    private fun showBmlLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.BmlUserProfile?,
+        bmlProfiles: List<BmlProfile>
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val originalHidden = store.getHiddenBmlProfileIds(loginId)
+        val hidden = originalHidden.toMutableSet()
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        listOfNotNull(
+            profile?.fullName?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: $it" },
+            profile?.mobile?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: $it" },
+            profile?.customerId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_customer_id)}: $it" },
+            profile?.idCard?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_id_card)}: $it" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (bmlProfiles.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        val toggleRows = bmlProfiles.map { p ->
+            val row = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val textCol = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            textCol.addView(TextView(ctx).apply {
+                text = p.name
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+            })
+            if (p.type.isNotBlank()) {
+                textCol.addView(TextView(ctx).apply {
+                    text = p.type
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.6f
+                })
+            }
+            val toggle = MaterialSwitch(ctx).apply { isChecked = p.profileId !in hidden }
+            row.addView(textCol)
+            row.addView(toggle)
+            container.addView(row)
+            p to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = bmlProfiles.count { it.profileId !in hidden }
+            toggleRows.forEach { (_, toggle) ->
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.bml_name))
+            .setView(scroll)
+            .setPositiveButton(R.string.save, null)
+            .setNeutralButton(R.string.close, null)
+            .setNegativeButton(R.string.settings_logout) { _, _ ->
+                confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) }
+            }
+            .show()
+
+        val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        saveBtn.isEnabled = false
+        updateToggleStates(saveBtn)
+
+        toggleRows.forEach { (p, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (checked) hidden.remove(p.profileId) else hidden.add(p.profileId)
+                updateToggleStates(saveBtn)
+            }
+        }
+
+        saveBtn.setOnClickListener {
+            store.setHiddenBmlProfileIds(loginId, hidden)
+            clearAllCaches(ctx)
+            dialog.dismiss()
+            (activity as? HomeActivity)?.applyProfileVisibility()
+        }
+    }
+
     private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
         MaterialAlertDialogBuilder(requireContext())
             .setTitle(title)
@@ -172,12 +388,16 @@ class SettingsLoginsFragment : Fragment() {
             .show()
     }
 
-    private fun logoutMib(store: CredentialStore) {
+    private fun logoutMib(store: CredentialStore, loginId: String) {
         val ctx = requireContext()
-        store.clearMibCredentials()
+        store.clearMibCredentials(loginId)
         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()
+        app.mibSessions.remove(loginId)
+        app.mibProfilesMap.remove(loginId)
+        app.mibLoginFlows.remove(loginId)
+        app.mibAccounts = app.mibAccounts.filter { it.loginTag != "mib_$loginId" }
+        app.accounts = app.accounts.filter { it.loginTag != "mib_$loginId" }
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()
@@ -185,20 +405,26 @@ class SettingsLoginsFragment : Fragment() {
 
     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)
+        // Remove all per-profile sessions for this login from the in-memory map
+        val profiles = app.bmlProfilesMap[loginId] ?: emptyList()
+        profiles.forEach { app.bmlSessions.remove(it.profileId) }
+        // clearBmlCredentials also clears per-profile tokens via loadBmlProfiles internally
+        store.clearBmlCredentials(loginId)
+        app.bmlProfilesMap.remove(loginId)
+        app.bmlLoginFlows.remove(loginId)
         app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" }
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()
     }
 
-    private fun logoutFahipay(store: CredentialStore) {
+    private fun logoutFahipay(store: CredentialStore, loginId: String) {
         val ctx = requireContext()
-        store.clearFahipayCredentials(); store.clearFahipaySession()
+        store.clearFahipayCredentials(loginId)
         val app = requireActivity().application as BasedBankApp
-        app.fahipaySession = null; app.fahipayAccounts = emptyList()
+        app.fahipaySessions.remove(loginId)
+        app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != "fahipay_$loginId" }
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()

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

@@ -79,6 +79,17 @@ class SettingsSecurityFragment : Fragment() {
             (activity as? HomeActivity)?.resetAutolockTimer()
         }
 
+        // Hide sensitive information (enables/disables the eye icon in toolbar)
+        val viewModel = (requireActivity() as HomeActivity).let {
+            androidx.lifecycle.ViewModelProvider(it)[HomeViewModel::class.java]
+        }
+        binding.switchHideAmounts.isChecked = prefs.getBoolean("hide_sensitive_info", false)
+        binding.switchHideAmounts.setOnCheckedChangeListener { _, isChecked ->
+            prefs.edit().putBoolean("hide_sensitive_info", isChecked).apply()
+            if (!isChecked) viewModel.hideAmounts.value = false
+            requireActivity().invalidateOptionsMenu()
+        }
+
         // Block screenshots
         val blockScreenshots = prefs.getBoolean("block_screenshots", true)
         binding.switchBlockScreenshots.isChecked = blockScreenshots

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

@@ -14,7 +14,7 @@ import sh.sar.basedbank.databinding.ItemDateHeaderBinding
 import sh.sar.basedbank.databinding.ItemLoadingFooterBinding
 import sh.sar.basedbank.databinding.ItemTransactionBinding
 
-/** Adapter for Transfer History — date-grouped, shows account name in secondary line. */
+/** Adapter for Transaction History — date-grouped, shows account name in secondary line. */
 class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
@@ -27,6 +27,13 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
     private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
+    private var hideAmounts: Boolean = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -134,18 +141,23 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             }
             b.tvDescription.text = trx.description
 
-            // Show account name in secondary line for Transfer History
+            // Show account name in secondary line for Transaction History
             b.tvCounterparty.text = trx.accountDisplayName
             b.tvCounterparty.visibility = View.VISIBLE
 
             b.tvDate.text = AccountHistoryAdapter.formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
-            b.tvAmount.setTextColor(
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
-            )
+            if (hideAmounts) {
+                b.tvAmount.text = "${trx.currency} ••••••"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
+            } else {
+                val sign = if (isCredit) "+" else "-"
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }

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

@@ -19,6 +19,7 @@ import android.widget.LinearLayout
 import android.widget.TextView
 import android.widget.Toast
 import androidx.appcompat.app.AlertDialog
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
 import androidx.biometric.BiometricManager
 import androidx.biometric.BiometricPrompt
 import androidx.core.content.ContextCompat
@@ -49,11 +50,13 @@ import sh.sar.basedbank.api.mib.MibTransferResult
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
+import sh.sar.basedbank.util.AccountListParser
 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
+import sh.sar.basedbank.util.ReceiptStore
 import sh.sar.basedbank.util.Totp
 
 class TransferFragment : Fragment() {
@@ -63,7 +66,9 @@ class TransferFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private var selectedAccount: MibAccount? = null
-    private val session get() = (requireActivity().application as BasedBankApp).mibSession
+    private val session get() = selectedAccount
+        ?.let { (requireActivity().application as BasedBankApp).mibSessionFor(it) }
+        ?: (requireActivity().application as BasedBankApp).anyMibSession()
     private fun bmlSessionFor(account: MibAccount?) =
         account?.let { (requireActivity().application as BasedBankApp).bmlSessionFor(it) }
             ?: (requireActivity().application as BasedBankApp).anyBmlSession()
@@ -97,6 +102,8 @@ class TransferFragment : Fragment() {
         private const val ARG_COLOR = "contact_color"
         private const val ARG_IMAGE_HASH = "contact_image_hash"
         private const val ARG_FROM_ACCOUNT = "from_account"
+        private const val ARG_AMOUNT_PREFILL = "amount_prefill"
+        private const val ARG_REMARKS_PREFILL = "remarks_prefill"
 
         fun newInstanceFrom(account: MibAccount) = TransferFragment().apply {
             arguments = Bundle().apply { putString(ARG_FROM_ACCOUNT, account.accountNumber) }
@@ -117,6 +124,22 @@ class TransferFragment : Fragment() {
                 if (imageHash != null) putString(ARG_IMAGE_HASH, imageHash)
             }
         }
+
+        fun newInstanceFromQr(
+            accountNumber: String,
+            displayName: String,
+            amount: String?,
+            remarks: String?
+        ) = TransferFragment().apply {
+            arguments = Bundle().apply {
+                putString(ARG_ACCOUNT, accountNumber)
+                putString(ARG_NAME, displayName)
+                putString(ARG_SUBTITLE, accountNumber)
+                putString(ARG_COLOR, "#607D8B")
+                if (amount != null) putString(ARG_AMOUNT_PREFILL, amount)
+                if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
+            }
+        }
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
@@ -146,9 +169,12 @@ class TransferFragment : Fragment() {
             qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
         }
 
+        binding.btnTransfer.isEnabled = false
         binding.btnTransfer.setOnClickListener { initiateTransfer() }
 
-        // Pre-select contact if navigated from contacts page
+        binding.etAmount.addTextChangedListener { updateTransferButton() }
+
+        // Pre-select contact if navigated from contacts page or QR scan
         arguments?.getString(ARG_ACCOUNT)?.let { account ->
             prefillToDirectly(
                 accountNumber = account,
@@ -158,6 +184,8 @@ class TransferFragment : Fragment() {
                 imageHash     = arguments?.getString(ARG_IMAGE_HASH)
             )
         }
+        arguments?.getString(ARG_AMOUNT_PREFILL)?.let { binding.etAmount.setText(it) }
+        arguments?.getString(ARG_REMARKS_PREFILL)?.let { binding.etRemarks.setText(it) }
     }
 
     private fun startLookupLoading() {
@@ -183,6 +211,7 @@ class TransferFragment : Fragment() {
             binding.cardFromInfo.visibility = View.GONE
             binding.tilFrom.visibility = View.VISIBLE
             binding.actvFrom.setText("", false)
+            updateTransferButton()
         }
 
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
@@ -194,6 +223,7 @@ class TransferFragment : Fragment() {
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
+                updateTransferButton()
             }
 
             val fromNumber = arguments?.getString(ARG_FROM_ACCOUNT)
@@ -203,22 +233,22 @@ class TransferFragment : Fragment() {
                     selectedAccount = match
                     updateAmountPrefix(match)
                     showFromCard(match)
+                    updateTransferButton()
                 }
             }
         }
     }
 
     private fun showFromCard(account: MibAccount) {
-        val isBml = account.profileType.startsWith("BML")
-        val colorHex = when {
-            isBml -> "#0066A1"
-            account.profileType == "FAHIPAY" -> "#15BEA7"
-            else -> "#FE860E"
+        val colorHex = when (account.bank) {
+            "BML"     -> "#0066A1"
+            "FAHIPAY" -> "#15BEA7"
+            else      -> "#FE860E"
         }
-        val bankLabel = when {
-            isBml -> "BML"
-            account.profileType == "FAHIPAY" -> "FP"
-            else -> null
+        val bankLabel = when (account.bank) {
+            "BML"     -> "BML"
+            "FAHIPAY" -> "FP"
+            else      -> null
         }
         val typeLabel = when {
             account.profileType == "BML_PREPAID" -> "Prepaid Card"
@@ -234,7 +264,7 @@ class TransferFragment : Fragment() {
         binding.tilFrom.visibility = View.GONE
         binding.cardFromInfo.visibility = View.VISIBLE
 
-        if (!isBml && account.profileImageHash != null) {
+        if (account.bank != "BML" && account.profileImageHash != null) {
             loadFromPhoto(account.profileImageHash)
         }
     }
@@ -244,7 +274,7 @@ class TransferFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
         viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
             try {
-                val base64 = app.mibLoginFlow.fetchProfileImage(sess, hash) ?: return@launch
+                val base64 = app.anyMibFlow()?.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) {
@@ -271,6 +301,7 @@ class TransferFragment : Fragment() {
             binding.btnPickContact.visibility = View.VISIBLE
             binding.btnScanQr.visibility = View.VISIBLE
             binding.tilTo.error = null
+            updateTransferButton()
         }
 
         binding.etTo.addTextChangedListener {
@@ -282,6 +313,7 @@ class TransferFragment : Fragment() {
                 binding.tilTo.visibility = View.VISIBLE
                 binding.btnPickContact.visibility = View.VISIBLE
                 binding.btnScanQr.visibility = View.VISIBLE
+                updateTransferButton()
             }
         }
     }
@@ -312,7 +344,7 @@ class TransferFragment : Fragment() {
         }
 
         // Fahipay source: only phone numbers are supported
-        if (selectedAccount?.profileType == "FAHIPAY") {
+        if (selectedAccount?.bank == "FAHIPAY") {
             if (AccountInputParser.detect(accountNumber) == AccountInputParser.InputType.PHONE) {
                 lookupFahipayTarget(accountNumber)
             } else {
@@ -328,7 +360,7 @@ class TransferFragment : Fragment() {
             return
         }
 
-        val isBmlSource = selectedAccount?.profileType?.startsWith("BML") == true
+        val isBmlSource = selectedAccount?.bank == "BML"
 
         startLookupLoading()
 
@@ -394,6 +426,7 @@ class TransferFragment : Fragment() {
                 binding.btnPickContact.visibility = View.GONE
                 binding.btnScanQr.visibility = View.GONE
                 binding.cardToInfo.visibility = View.VISIBLE
+                updateTransferButton()
                 saveToRecents(info)
 
                 when {
@@ -520,6 +553,7 @@ class TransferFragment : Fragment() {
         binding.btnPickContact.visibility = View.GONE
         binding.btnScanQr.visibility = View.GONE
         binding.cardToInfo.visibility = View.VISIBLE
+        updateTransferButton()
 
         val contact = contacts.firstOrNull { it.benefAccount == accountNumber }
         if (contact != null) {
@@ -567,7 +601,7 @@ class TransferFragment : Fragment() {
         binding.tilAmount.error = null
         val remarks = binding.etRemarks.text?.toString()?.trim() ?: ""
 
-        val isSrcBml = src.profileType.startsWith("BML")
+        val isSrcBml = src.bank == "BML"
         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" }
@@ -578,10 +612,10 @@ class TransferFragment : Fragment() {
         if (isSrcBml && isDestMib && currency == "USD") {
             val hasBmlContact = allContacts.any { it.benefCategoryId == "BML" && it.benefAccount == resolvedAccountNumber }
             if (!hasBmlContact) {
-                AlertDialog.Builder(requireContext())
+                MaterialAlertDialogBuilder(requireContext())
                     .setTitle(R.string.transfer_bml_contact_required_title)
                     .setMessage(R.string.transfer_bml_contact_required_msg)
-                    .setPositiveButton("OK", null)
+                    .setPositiveButton(R.string.close, null)
                     .show()
                 return
             }
@@ -615,6 +649,7 @@ class TransferFragment : Fragment() {
                 binding.btnTransfer.isEnabled = true
                 (activity as? HomeActivity)?.setRefreshing(false)
                 if (ok && receipt != null) {
+                    ReceiptStore.save(requireContext(), receipt)
                     clearForm()
                     val activity = requireActivity() as HomeActivity
                     activity.refreshBalances(src)
@@ -625,7 +660,7 @@ class TransferFragment : Fragment() {
             }
         }
 
-        val dialogBuilder = AlertDialog.Builder(requireContext())
+        val dialogBuilder = MaterialAlertDialogBuilder(requireContext())
             .setTitle(R.string.transfer)
             .setPositiveButton(R.string.transfer_confirm) { _, _ -> doTransfer() }
             .setNegativeButton(android.R.string.cancel, null)
@@ -706,12 +741,14 @@ class TransferFragment : Fragment() {
     ): Triple<Boolean, String, TransferReceiptData?> {
         val sess = session ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
         val app = requireActivity().application as BasedBankApp
+        val loginId = src.loginTag.removePrefix("mib_")
         // Switch to the profile that owns the source account
         if (src.profileId.isNotBlank()) {
-            val profile = app.mibProfiles.firstOrNull { it.profileId == src.profileId }
-            if (profile != null) app.mibLoginFlow.switchProfile(sess, profile)
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            val profile = profiles.firstOrNull { it.profileId == src.profileId }
+            if (profile != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
         }
-        val otp = CredentialStore(requireContext()).loadMibCredentials()?.otpSeed
+        val otp = CredentialStore(requireContext()).loadMibCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) }
             ?: return Triple(false, "OTP unavailable", null)
         val currencyCode = if (src.currencyName == "USD") "840" else "462"
@@ -740,7 +777,7 @@ class TransferFragment : Fragment() {
             )
             if (result.success) {
                 val receipt = TransferReceiptData(
-                    isMib = true,
+                    bank = "MIB",
                     amount = "%.2f".format(amount.toDoubleOrNull() ?: 0.0),
                     currency = currency,
                     fromLabel = src.accountBriefName,
@@ -824,7 +861,7 @@ class TransferFragment : Fragment() {
             val result = bmlFlow.confirmTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, confirmOtp, remarks, bank)
             if (result.success) {
                 val receipt = TransferReceiptData(
-                    isMib = false,
+                    bank = "BML",
                     amount = "%.2f".format(amount),
                     currency = currency,
                     fromLabel = src.accountBriefName,
@@ -848,6 +885,11 @@ class TransferFragment : Fragment() {
         }
     }
 
+    private fun updateTransferButton() {
+        val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
+        binding.btnTransfer.isEnabled = selectedAccount != null && resolvedAccountNumber.isNotBlank() && amount > 0
+    }
+
     private fun clearForm() {
         selectedAccount = null
         binding.actvFrom.setText("", false)
@@ -878,7 +920,7 @@ class TransferFragment : Fragment() {
         viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
             try {
                 val base64 = if (isProfile) {
-                    app.mibLoginFlow.fetchProfileImage(sess, hash)
+                    app.anyMibFlow()?.fetchProfileImage(sess, hash)
                 } else {
                     MibContactsClient().fetchProfileImageBase64(sess, hash)
                 } ?: return@launch
@@ -1009,11 +1051,11 @@ class TransferFragment : Fragment() {
                         .also { it.root.tag = it }
                 }
                 val inactive = (acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT") && !acc.statusDesc.equals("Active", ignoreCase = true)
-                val isBmlAccount = acc.profileType.startsWith("BML")
+                val isBmlAccount = acc.bank == "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.tvDropdownBalance.text = AccountListParser.from(acc)?.balance ?: ""
                 b.root.alpha = if (inactive) 0.4f else 1f
                 b.root
             }

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

@@ -10,6 +10,8 @@ import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.lifecycle.lifecycleScope
@@ -61,10 +63,10 @@ class TransferHistoryFragment : Fragment() {
         var fahipayTotal: Int = -1
     ) {
         fun hasMore(): Boolean = when {
-            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
+            account.bank == "FAHIPAY"                                                       -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"    -> cardMonthOffset < 2
+            account.bank == "BML"                                                           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+            else                                                                            -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
     }
 
@@ -84,9 +86,20 @@ class TransferHistoryFragment : Fragment() {
         adapter = TransactionAdapter()
         adapter.onImageNeeded = { name -> loadContactImage(name) }
         adapter.onIconUrlNeeded = { url -> loadMerchantIcon(url) }
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
         binding.recyclerView.addOnScrollListener(object : RecyclerView.OnScrollListener() {
             override fun onScrolled(rv: RecyclerView, dx: Int, dy: Int) {
                 if (dy <= 0 || isLoading) return
@@ -142,14 +155,13 @@ class TransferHistoryFragment : Fragment() {
         }
 
         val app = requireActivity().application as BasedBankApp
-        val mibSession = app.mibSession
 
         lifecycleScope.launch {
             val newTransactions = withContext(Dispatchers.IO) {
                 val results = mutableListOf<Transaction>()
 
                 // BML accounts: fetch in parallel
-                val bmlStates = activeStates.filter { it.account.profileType.startsWith("BML") }
+                val bmlStates = activeStates.filter { it.account.bank == "BML" }
                 results.addAll(bmlStates.map { state ->
                     async {
                         try {
@@ -187,9 +199,9 @@ class TransferHistoryFragment : Fragment() {
                 }.awaitAll().flatten())
 
                 // Fahipay accounts
-                val fahipayStates = activeStates.filter { it.account.profileType == "FAHIPAY" }
+                val fahipayStates = activeStates.filter { it.account.bank == "FAHIPAY" }
                 for (state in fahipayStates) {
-                    val session = app.fahipaySession ?: continue
+                    val session = app.fahipaySessionFor(state.account) ?: continue
                     try {
                         val flow = FahipayLoginFlow()
                         flow.setSessionCookie(session.sessionCookie)
@@ -206,27 +218,28 @@ class TransferHistoryFragment : Fragment() {
                 }
 
                 // MIB accounts: serialized per profile, protected by mutex to prevent session race
-                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 {
-                        val profile = app.mibProfiles.firstOrNull { it.profileId == profileId }
-                        if (profile != null) app.mibLoginFlow.switchProfile(session, profile)
-                        for (state in states) {
-                            try {
-                                val (list, total) = MibHistoryClient().fetchHistory(
-                                    session = session,
-                                    accountNo = state.account.accountNumber,
-                                    accountDisplayName = state.account.accountBriefName,
-                                    start = state.mibNextStart,
-                                    pageSize = pageSize
-                                )
-                                if (total > 0) state.mibTotalCount = total
-                                state.mibNextStart += list.size.coerceAtLeast(pageSize)
-                                results.addAll(list)
-                            } catch (_: Exception) {}
+                val mibStates = activeStates.filter { it.account.bank == "MIB" }
+                for ((loginId, loginStates) in mibStates.groupBy { it.account.loginTag.removePrefix("mib_") }) {
+                    val session = app.mibSessions[loginId] ?: continue
+                    for ((profileId, states) in loginStates.groupBy { it.account.profileId }) {
+                        app.mibMutex.withLock {
+                            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                            val profile = profiles.firstOrNull { it.profileId == profileId }
+                            if (profile != null) app.mibFlowFor(loginId).switchProfile(session, profile)
+                            for (state in states) {
+                                try {
+                                    val (list, total) = MibHistoryClient().fetchHistory(
+                                        session = session,
+                                        accountNo = state.account.accountNumber,
+                                        accountDisplayName = state.account.accountBriefName,
+                                        start = state.mibNextStart,
+                                        pageSize = pageSize
+                                    )
+                                    if (total > 0) state.mibTotalCount = total
+                                    state.mibNextStart += list.size.coerceAtLeast(pageSize)
+                                    results.addAll(list)
+                                } catch (_: Exception) {}
+                            }
                         }
                     }
                 }
@@ -280,7 +293,7 @@ class TransferHistoryFragment : Fragment() {
             return
         }
         val app = requireActivity().application as BasedBankApp
-        val sess = app.mibSession ?: return
+        val sess = app.anyMibSession() ?: return
         viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
             try {
                 val base64 = MibContactsClient().fetchProfileImageBase64(sess, hash) ?: return@launch

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

@@ -1,7 +1,7 @@
 package sh.sar.basedbank.ui.home
 
 data class TransferReceiptData(
-    val isMib: Boolean,
+    val bank: String, // "MIB", "BML", etc.
     val amount: String,
     val currency: String,
     val fromLabel: String,

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

@@ -1,6 +1,10 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Dialog
+import android.content.ClipData
+import android.content.ClipboardManager
 import android.content.ContentValues
+import android.content.Context
 import android.content.Intent
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
@@ -46,7 +50,7 @@ class TransferReceiptFragment : Fragment() {
     private val receiptCard get() = _receiptCard!!
 
     companion object {
-        private const val ARG_IS_MIB              = "is_mib"
+        private const val ARG_BANK                 = "bank"
         private const val ARG_AMOUNT              = "amount"
         private const val ARG_CURRENCY            = "currency"
         private const val ARG_FROM_LABEL          = "from_label"
@@ -69,7 +73,7 @@ class TransferReceiptFragment : Fragment() {
         fun newInstance(data: TransferReceiptData, toAvatarBitmap: Bitmap?) = TransferReceiptFragment().apply {
             pendingToAvatarBitmap = toAvatarBitmap
             arguments = Bundle().apply {
-                putBoolean(ARG_IS_MIB,        data.isMib)
+                putString(ARG_BANK,           data.bank)
                 putString(ARG_AMOUNT,         data.amount)
                 putString(ARG_CURRENCY,       data.currency)
                 putString(ARG_FROM_LABEL,         data.fromLabel)
@@ -90,8 +94,8 @@ class TransferReceiptFragment : Fragment() {
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
-        val isMib = arguments?.getBoolean(ARG_IS_MIB, true) ?: true
-        return if (isMib) {
+        val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
+        return if (bank == "MIB") {
             val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
             bindMib(binding)
             _receiptCard = binding.receiptCard
@@ -105,6 +109,8 @@ class TransferReceiptFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        receiptCard.setOnClickListener { showFullScreenReceipt() }
+
         view.findViewById<MaterialButton>(R.id.btnDone).setOnClickListener {
             parentFragmentManager.popBackStack()
         }
@@ -150,15 +156,21 @@ class TransferReceiptFragment : Fragment() {
         binding.tvTransactionDate.text = args.getString(ARG_MIB_DATE, "")
         binding.tvValueDate.text       = args.getString(ARG_MIB_DATE, "")
         binding.tvPurpose.text         = args.getString(ARG_REMARKS, "")
+
+        copyOnLongClick(
+            binding.tvFromLabel, binding.tvToLabel, binding.tvAmount,
+            binding.tvReferenceNo, binding.tvToAccount, binding.tvToBank,
+            binding.tvTransactionDate, binding.tvValueDate, binding.tvPurpose
+        )
     }
 
     private fun loadProfileImage(hash: String, isProfile: Boolean, onLoaded: (Bitmap) -> Unit) {
         val app = requireActivity().application as BasedBankApp
-        val sess = app.mibSession ?: return
+        val sess = app.anyMibSession() ?: return
         viewLifecycleOwner.lifecycleScope.launch(Dispatchers.IO) {
             try {
                 val base64 = if (isProfile) {
-                    app.mibLoginFlow.fetchProfileImage(sess, hash)
+                    app.anyMibFlow()?.fetchProfileImage(sess, hash)
                 } else {
                     MibContactsClient().fetchProfileImageBase64(sess, hash)
                 } ?: return@launch
@@ -201,6 +213,13 @@ class TransferReceiptFragment : Fragment() {
             binding.remarksDivider.visibility = View.VISIBLE
             binding.remarksRow.visibility     = View.VISIBLE
         }
+
+        copyOnLongClick(
+            binding.tvMessage, binding.tvMessageRow, binding.tvReference,
+            binding.tvTransactionDate, binding.tvFrom, binding.tvToName,
+            binding.tvToAccount, binding.tvAmountRow, binding.tvAmountValue,
+            binding.tvAmountCurrency, binding.tvRemarks
+        )
     }
 
     // ── Share / Save ──────────────────────────────────────────────────────────
@@ -310,6 +329,54 @@ class TransferReceiptFragment : Fragment() {
         return bm
     }
 
+    private fun showFullScreenReceipt() {
+        captureReceiptBitmap { bitmap ->
+            if (bitmap == null) return@captureReceiptBitmap
+            val ctx = requireContext()
+            val dialog = Dialog(ctx, android.R.style.Theme_Black_NoTitleBar_Fullscreen)
+            val iv = android.widget.ImageView(ctx).apply {
+                setImageBitmap(bitmap)
+                scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                setBackgroundColor(Color.BLACK)
+            }
+            iv.setOnClickListener { dialog.dismiss() }
+            dialog.setContentView(iv)
+            val actWin = requireActivity().window
+            val prevColor = actWin.statusBarColor
+            val insetsCtrl = androidx.core.view.WindowInsetsControllerCompat(actWin, actWin.decorView)
+            actWin.statusBarColor = Color.BLACK
+            insetsCtrl.isAppearanceLightStatusBars = false
+            dialog.setOnDismissListener {
+                actWin.statusBarColor = prevColor
+                val isLight = (resources.configuration.uiMode and
+                        android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
+                        android.content.res.Configuration.UI_MODE_NIGHT_NO
+                insetsCtrl.isAppearanceLightStatusBars = isLight
+            }
+            dialog.show()
+            dialog.window?.let { win ->
+                androidx.core.view.WindowCompat.setDecorFitsSystemWindows(win, false)
+                androidx.core.view.WindowInsetsControllerCompat(win, iv).apply {
+                    hide(androidx.core.view.WindowInsetsCompat.Type.systemBars())
+                    systemBarsBehavior = androidx.core.view.WindowInsetsControllerCompat.BEHAVIOR_SHOW_TRANSIENT_BARS_BY_SWIPE
+                }
+            }
+        }
+    }
+
+    private fun copyOnLongClick(vararg views: android.widget.TextView) {
+        for (tv in views) {
+            tv.setOnLongClickListener {
+                val text = tv.text?.toString()?.trim() ?: return@setOnLongClickListener false
+                if (text.isBlank()) return@setOnLongClickListener false
+                val cm = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+                cm.setPrimaryClip(ClipData.newPlainText("receipt", text))
+                Toast.makeText(requireContext(), "Copied", Toast.LENGTH_SHORT).show()
+                true
+            }
+        }
+    }
+
     override fun onResume() {
         super.onResume()
         requireActivity().title = "Receipt"

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

@@ -18,14 +18,21 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlActivationResult
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlOtpChannel
+import sh.sar.basedbank.api.bml.BmlProfile
 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.util.AccountCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.FragmentCredentialsBinding
 import sh.sar.basedbank.ui.home.HomeActivity
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import kotlin.coroutines.resume
+import kotlinx.coroutines.suspendCancellableCoroutine
 
 class CredentialsFragment : Fragment() {
 
@@ -46,6 +53,15 @@ class CredentialsFragment : Fragment() {
     private var fahipayFlow: FahipayLoginFlow? = null
     private var fahipayAwaitingTotp = false
 
+    // BML multi-profile state
+    private var bmlFlow: BmlLoginFlow? = null
+    private var bmlLoginId: String = ""
+    private var bmlAccumulatedAccounts = mutableListOf<MibAccount>()
+    private var bmlPendingBusinessProfiles = ArrayDeque<Pair<BmlProfile, List<BmlOtpChannel>>>()
+    private var bmlCurrentBusinessProfile: BmlProfile? = null
+    private var bmlSelectedChannel: String? = null
+    private var bmlAwaitingBusinessOtp = false
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
@@ -54,7 +70,7 @@ class CredentialsFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         when (bankType) {
             "BML" -> {
-                binding.ivBankLogo.setImageResource(R.drawable.bml_logo_vector)
+                binding.ivBankLogo.setImageResource(R.drawable.bml_logo_long)
                 binding.tvSignInDesc.setText(R.string.bml_sign_in_desc)
             }
             "FAHIPAY" -> {
@@ -151,7 +167,11 @@ class CredentialsFragment : Fragment() {
 
     private fun attemptLogin() {
         when (bankType) {
-            "BML" -> { attemptBmlLogin(); return }
+            "BML" -> {
+                if (bmlAwaitingBusinessOtp) submitBmlBusinessOtp()
+                else attemptBmlLogin()
+                return
+            }
             "FAHIPAY" -> { attemptFahipayLogin(); return }
         }
 
@@ -170,6 +190,7 @@ class CredentialsFragment : Fragment() {
         binding.btnLogin.isEnabled = false
 
         val passwordHash = MibLoginFlow.hashPassword(password)
+        val loginId = username
         val flow = MibLoginFlow(CredentialStore(requireContext()))
 
         viewLifecycleOwner.lifecycleScope.launch {
@@ -178,11 +199,12 @@ class CredentialsFragment : Fragment() {
                     flow.login(username, passwordHash, otpSeed)
                 }
                 val store = CredentialStore(requireContext())
-                store.saveMibCredentials(username, passwordHash, otpSeed)
+                store.saveMibCredentials(loginId, username, passwordHash, otpSeed)
                 withContext(Dispatchers.IO) {
                     flow.lastSession?.let { s ->
                         val profile = flow.fetchPersonalProfile(s)
                         if (profile != null) store.saveMibUserProfile(
+                            loginId,
                             CredentialStore.MibUserProfile(
                                 fullName = profile.fullName,
                                 username = profile.username,
@@ -193,11 +215,15 @@ class CredentialsFragment : Fragment() {
                         )
                     }
                 }
-                AccountCache.save(requireContext(), accounts)
+                store.saveMibProfiles(loginId, flow.lastProfiles)
                 val app = requireActivity().application as BasedBankApp
-                app.accounts = accounts
-                app.mibSession = flow.lastSession
-                app.mibProfiles = flow.lastProfiles
+                // Merge with any existing MIB accounts from other logins
+                app.mibAccounts = app.mibAccounts.filter { it.loginTag != "mib_$loginId" } + accounts
+                app.accounts = app.accounts.filter { it.loginTag != "mib_$loginId" } + accounts
+                AccountCache.save(requireContext(), app.mibAccounts)
+                app.mibSessions[loginId] = flow.lastSession!!
+                app.mibProfilesMap[loginId] = flow.lastProfiles
+                app.mibLoginFlows[loginId] = flow
                 val intent = Intent(requireContext(), HomeActivity::class.java)
                 intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
                 startActivity(intent)
@@ -226,20 +252,186 @@ class CredentialsFragment : Fragment() {
         binding.progressBar.visibility = View.VISIBLE
         binding.btnLogin.isEnabled = false
 
-        val loginId = username
-        val flow = BmlLoginFlow()
+        bmlLoginId = username
+        bmlAccumulatedAccounts.clear()
+        bmlPendingBusinessProfiles.clear()
+        bmlCurrentBusinessProfile = null
+        bmlSelectedChannel = null
+        bmlAwaitingBusinessOtp = false
+
+        val flow = BmlLoginFlow().also { bmlFlow = it }
+        val loginTag = "bml_$username"
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val profiles = withContext(Dispatchers.IO) {
+                    flow.login(username, password, otpSeed)
+                }
+                if (profiles.isEmpty()) throw Exception("No profiles found for this account")
+
+                // Activate each profile; personal profiles are immediate, business ones need OTP
+                for (profile in profiles) {
+                    val result = withContext(Dispatchers.IO) { flow.activateProfile(profile, loginTag) }
+                    when (result) {
+                        is BmlActivationResult.Success -> {
+                            bmlAccumulatedAccounts += result.accounts
+                            val store = CredentialStore(requireContext())
+                            store.saveBmlProfileSession(profile.profileId, result.session.accessToken, result.session.deviceId)
+                            val app = requireActivity().application as BasedBankApp
+                            app.bmlSessions[profile.profileId] = result.session
+                        }
+                        is BmlActivationResult.NeedsBusinessOtp -> {
+                            bmlPendingBusinessProfiles.addLast(Pair(profile, result.channels))
+                        }
+                    }
+                }
+
+                // Save credentials and profile list now (before business OTP prompts)
+                val store = CredentialStore(requireContext())
+                store.saveBmlCredentials(bmlLoginId, username, password, otpSeed)
+                store.saveBmlProfiles(bmlLoginId, profiles)
+                val app = requireActivity().application as BasedBankApp
+                app.bmlProfilesMap[bmlLoginId] = profiles
+                app.bmlLoginFlows[bmlLoginId] = flow
+
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+
+                if (bmlPendingBusinessProfiles.isNotEmpty()) {
+                    processNextBmlBusinessProfile()
+                } else {
+                    finishBmlLogin()
+                }
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+            }
+        }
+    }
+
+    private suspend fun processNextBmlBusinessProfile() {
+        val (profile, channels) = bmlPendingBusinessProfiles.removeFirstOrNull()
+            ?: run { finishBmlLogin(); return }
+
+        bmlCurrentBusinessProfile = profile
+
+        // Show channel selection dialog
+        val selectedChannel = showBmlChannelDialog(profile.name, channels) ?: run {
+            // User skipped this profile — move on
+            processNextBmlBusinessProfile()
+            return
+        }
+        bmlSelectedChannel = selectedChannel
+
+        // Request OTP
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+        try {
+            withContext(Dispatchers.IO) {
+                bmlFlow!!.requestBusinessOtp(selectedChannel)
+            }
+        } catch (e: Exception) {
+            binding.progressBar.visibility = View.GONE
+            binding.btnLogin.isEnabled = true
+            binding.tvError.text = e.message ?: "Failed to send OTP"
+            binding.tvError.visibility = View.VISIBLE
+            processNextBmlBusinessProfile()
+            return
+        }
+
+        // Show OTP input — disable credential fields (same pattern as Fahipay TOTP step)
+        bmlAwaitingBusinessOtp = true
+        binding.etUsername.isEnabled = false
+        binding.etPassword.isEnabled = false
+        binding.etOtpSeed.isEnabled = false
+        binding.progressBar.visibility = View.GONE
+        binding.tilTotpCode.hint = getString(R.string.bml_business_otp_hint, profile.name)
+        binding.tilTotpCode.helperText = getString(R.string.bml_business_otp_sent, selectedChannel)
+        binding.tilTotpCode.visibility = View.VISIBLE
+        binding.etTotpCode.text?.clear()
+        binding.btnLogin.text = getString(R.string.verify)
+        binding.btnLogin.isEnabled = true
+        binding.tvError.visibility = View.GONE
+    }
+
+    private fun submitBmlBusinessOtp() {
+        val code = binding.etTotpCode.text.toString().trim()
+        if (code.length != 6) {
+            binding.tvError.text = getString(R.string.fahipay_totp_hint)
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+
+        val profile = bmlCurrentBusinessProfile ?: return
+        val channel = bmlSelectedChannel ?: return
+        val loginTag = "bml_$bmlLoginId"
+
         viewLifecycleOwner.lifecycleScope.launch {
             try {
                 val (session, accounts) = withContext(Dispatchers.IO) {
-                    flow.login(username, password, otpSeed)
+                    bmlFlow!!.submitBusinessOtp(channel, code, profile, loginTag)
                 }
+                bmlAccumulatedAccounts += accounts
                 val store = CredentialStore(requireContext())
-                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,
+                store.saveBmlProfileSession(profile.profileId, session.accessToken, session.deviceId)
+                val app = requireActivity().application as BasedBankApp
+                app.bmlSessions[profile.profileId] = session
+
+                bmlAwaitingBusinessOtp = false
+                binding.tilTotpCode.visibility = View.GONE
+                binding.btnLogin.text = getString(R.string.login)
+
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+
+                if (bmlPendingBusinessProfiles.isNotEmpty()) {
+                    processNextBmlBusinessProfile()
+                } else {
+                    finishBmlLogin()
+                }
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "OTP verification failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+            }
+        }
+    }
+
+    private suspend fun showBmlChannelDialog(profileName: String, channels: List<BmlOtpChannel>): String? =
+        suspendCancellableCoroutine { cont ->
+            val options = channels.map { "${it.description} (${it.masked})" }.toTypedArray()
+            val dialog = MaterialAlertDialogBuilder(requireContext())
+                .setTitle(getString(R.string.bml_business_otp_title, profileName))
+                .setItems(options) { _, which ->
+                    if (cont.isActive) cont.resume(channels[which].channel)
+                }
+                .setNegativeButton(R.string.bml_business_otp_skip) { _: android.content.DialogInterface, _: Int ->
+                    if (cont.isActive) cont.resume(null as String?)
+                }
+                .show()
+            dialog.setOnCancelListener { if (cont.isActive) cont.resume(null as String?) }
+        }
+
+    private suspend fun finishBmlLogin() {
+        val store = CredentialStore(requireContext())
+        val accounts = bmlAccumulatedAccounts.toList()
+
+        // Fetch user profile info from any active session
+        val app = requireActivity().application as BasedBankApp
+        val anySession = app.anyBmlSessionFor(bmlLoginId)
+        if (anySession != null) {
+            withContext(Dispatchers.IO) {
+                val info = BmlLoginFlow().fetchUserInfo(anySession)
+                if (info != null) {
+                    store.saveBmlUserProfile(
+                        bmlLoginId,
                         CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
@@ -249,24 +441,44 @@ class CredentialsFragment : Fragment() {
                             birthdate = info.birthdate
                         )
                     )
+                    // Single-profile accounts used username as a temporary profileId.
+                    // Replace it with the real BML customer ID so multi-login doesn't collide.
+                    val customerId = info.customerId
+                    if (customerId.isNotBlank()) {
+                        val profiles = store.loadBmlProfiles(bmlLoginId)
+                        val autoProfile = profiles.firstOrNull { it.autoActivated }
+                        if (autoProfile != null && autoProfile.profileId != customerId) {
+                            val oldId = autoProfile.profileId
+                            // Re-key session in memory and storage
+                            val session = app.bmlSessions.remove(oldId)
+                            if (session != null) {
+                                app.bmlSessions[customerId] = session
+                                store.clearBmlProfileSession(oldId)
+                                store.saveBmlProfileSession(customerId, session.accessToken, session.deviceId)
+                            }
+                            // Update stored profile list with the real ID
+                            val updatedProfiles = profiles.map {
+                                if (it.autoActivated) it.copy(profileId = customerId) else it
+                            }
+                            store.saveBmlProfiles(bmlLoginId, updatedProfiles)
+                            app.bmlProfilesMap[bmlLoginId] = updatedProfiles
+                            // Update accounts to use real profileId
+                            bmlAccumulatedAccounts.replaceAll { acc ->
+                                if (acc.profileId == oldId) acc.copy(profileId = customerId) else acc
+                            }
+                        }
+                    }
                 }
-                AccountCache.saveBml(requireContext(), loginId, accounts)
-                val app = requireActivity().application as BasedBankApp
-                app.bmlSessions[loginId] = session
-                // Merge with any existing BML accounts from other logins
-                app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" } + accounts
-                app.accounts = app.accounts + accounts
-                val intent = Intent(requireContext(), HomeActivity::class.java)
-                intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
-                startActivity(intent)
-            } catch (e: Exception) {
-                binding.tvError.text = e.message ?: "Login failed"
-                binding.tvError.visibility = View.VISIBLE
-            } finally {
-                binding.progressBar.visibility = View.GONE
-                binding.btnLogin.isEnabled = true
             }
         }
+
+        AccountCache.saveBml(requireContext(), bmlLoginId, accounts)
+        app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$bmlLoginId" } + accounts
+        app.accounts = app.accounts.filter { it.loginTag != "bml_$bmlLoginId" } + accounts
+
+        val intent = Intent(requireContext(), HomeActivity::class.java)
+        intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+        startActivity(intent)
     }
 
     private fun attemptFahipayLogin() {
@@ -374,11 +586,13 @@ class CredentialsFragment : Fragment() {
             val b = flow.fetchBalance(session)
             Pair(p, b)
         }
-        val loginTag = "fahipay_${profile.profileId}"
+        val loginId = profile.profileId
+        val loginTag = "fahipay_$loginId"
         val account = flow.buildAccount(profile, balance, loginTag)
-        store.saveFahipayCredentials(idCard, password)
-        store.saveFahipaySession(session.authId, session.sessionCookie)
+        store.saveFahipayCredentials(loginId, idCard, password)
+        store.saveFahipaySession(loginId, session.authId, session.sessionCookie)
         store.saveFahipayUserProfile(
+            loginId,
             CredentialStore.FahipayUserProfile(
                 fullName = profile.fullName,
                 email = profile.email,
@@ -389,11 +603,11 @@ class CredentialsFragment : Fragment() {
                 linkedAccounts = profile.linkedAccounts
             )
         )
-        AccountCache.saveFahipay(requireContext(), listOf(account))
+        AccountCache.saveFahipay(requireContext(), loginId, listOf(account))
         val app = requireActivity().application as BasedBankApp
-        app.fahipaySession = session
-        app.fahipayAccounts = listOf(account)
-        app.accounts = app.accounts + listOf(account)
+        app.fahipaySessions[loginId] = session
+        app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != loginTag } + listOf(account)
+        app.accounts = app.accounts.filter { it.loginTag != loginTag } + listOf(account)
         val intent = Intent(requireContext(), HomeActivity::class.java)
         intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
         startActivity(intent)

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

@@ -40,6 +40,11 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
             view.setPadding(view.paddingLeft, view.paddingTop, view.paddingRight, originalBottomPadding + navBar.bottom)
             insets
         }
+        ViewCompat.setOnApplyWindowInsetsListener(binding.viewPager) { view, insets ->
+            val statusBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            view.setPadding(view.paddingLeft, statusBar.top, view.paddingRight, view.paddingBottom)
+            insets
+        }
 
         val adapter = OnboardingPagerAdapter(this)
         binding.viewPager.adapter = adapter
@@ -56,7 +61,7 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
         }
 
         // Pre-select language button without triggering the listener
-        val savedLang = prefs.getString("language", null)
+        val savedLang = prefs.getString("language", null) ?: "en".also { selectLanguage(it) }
         binding.languageToggle.clearOnButtonCheckedListeners()
         when (savedLang) {
             "en" -> binding.btnLangEnglish.isChecked = true

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

@@ -9,16 +9,17 @@ object AccountCache {
 
     private const val PREFS = "account_cache"
     private const val KEY_MIB = "mib_accounts"
-    private const val KEY_FAHIPAY = "fahipay_accounts"
-
     private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
+    private fun fahipayKey(loginId: String) = "fahipay_accounts_$loginId"
 
     fun save(context: Context, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
+                put("bank", acc.bank)
                 put("profileName", acc.profileName)
                 put("profileType", acc.profileType)
+                put("cifType", acc.cifType)
                 put("accountNumber", acc.accountNumber)
                 put("accountBriefName", acc.accountBriefName)
                 put("currencyName", acc.currencyName)
@@ -68,20 +69,21 @@ object AccountCache {
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibAccount(
-                    profileName = o.optString("profileName"),
-                    profileType = o.optString("profileType"),
-                    accountNumber = o.optString("accountNumber"),
+                    bank             = "BML",
+                    profileName      = o.optString("profileName"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    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"),
+                    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", "")
+                    loginTag         = o.optString("loginTag"),
+                    internalId       = o.optString("internalId", "")
                 )
             }
         } catch (_: Exception) { emptyList() }
@@ -90,7 +92,7 @@ object AccountCache {
     fun loadBml(context: Context, loginIds: List<String>): List<MibAccount> =
         loginIds.flatMap { loadBml(context, it) }
 
-    fun saveFahipay(context: Context, accounts: List<MibAccount>) {
+    fun saveFahipay(context: Context, loginId: String, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -110,36 +112,40 @@ object AccountCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY_FAHIPAY, CacheEncryption.encrypt(arr.toString())).apply()
+            .edit().putString(fahipayKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadFahipay(context: Context): List<MibAccount> {
+    fun loadFahipay(context: Context, loginId: String): List<MibAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .getString(KEY_FAHIPAY, null) ?: return emptyList()
+            .getString(fahipayKey(loginId), 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"),
+                    bank             = "FAHIPAY",
+                    profileName      = o.optString("profileName"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    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"),
+                    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", "")
+                    loginTag         = o.optString("loginTag"),
+                    internalId       = o.optString("internalId", "")
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
+    fun loadFahipay(context: Context, loginIds: List<String>): List<MibAccount> =
+        loginIds.flatMap { loadFahipay(context, it) }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }
@@ -153,20 +159,22 @@ object AccountCache {
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibAccount(
-                    profileName = o.optString("profileName"),
-                    profileType = o.optString("profileType"),
-                    accountNumber = o.optString("accountNumber"),
+                    bank             = o.optString("bank", "MIB"),
+                    profileName      = o.optString("profileName"),
+                    profileType      = o.optString("profileType"),
+                    cifType          = o.optString("cifType", ""),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    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"),
+                    currentBalance   = o.optString("currentBalance"),
+                    blockedAmount    = o.optString("blockedAmount"),
+                    mvrBalance       = o.optString("mvrBalance"),
+                    statusDesc       = o.optString("statusDesc"),
                     profileImageHash = o.optString("profileImageHash").takeIf { it.isNotBlank() },
-                    loginTag = o.optString("loginTag"),
-                    profileId = o.optString("profileId", "")
+                    loginTag         = o.optString("loginTag"),
+                    profileId        = o.optString("profileId", "")
                 )
             }
         } catch (e: Exception) {

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

@@ -0,0 +1,15 @@
+package sh.sar.basedbank.util
+
+/**
+ * Standard display model for the account history header card — produced by
+ * per-bank parsers, consumed by AccountHistoryAdapter with no bank logic.
+ */
+data class AccountHistoryDisplay(
+    val name: String,
+    val number: String,
+    val bankPill: String?,        // "BML", "FP", null for MIB (no pill)
+    val typeLabel: String,        // e.g. "Savings", "Current", "Visa Platinum"
+    val availableBalance: String, // formatted "CCY amount"
+    val workingBalance: String,   // ledger/working balance — formatted "CCY amount"
+    val blockedBalance: String?   // null if zero or not applicable
+)

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

@@ -0,0 +1,16 @@
+package sh.sar.basedbank.util
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.bmlapi.BmlHistoryParser
+import sh.sar.basedbank.util.fahipayapi.FahipayHistoryParser
+import sh.sar.basedbank.util.mibapi.MibHistoryParser
+
+object AccountHistoryParser {
+
+    fun from(account: MibAccount): AccountHistoryDisplay? = when (account.bank) {
+        "BML"     -> BmlHistoryParser.displayData(account)
+        "FAHIPAY" -> FahipayHistoryParser.displayData(account)
+        "MIB"     -> MibHistoryParser.displayData(account)
+        else      -> null
+    }
+}

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

@@ -0,0 +1,11 @@
+package sh.sar.basedbank.util
+
+data class AccountListDisplay(
+    val name: String,
+    val number: String,
+    val typeLabel: String,
+    val balance: String,
+    val isCard: Boolean = false,
+    val cardBrandIcon: Int = 0,       // drawable res, only meaningful if isCard
+    val statusLabel: String? = null   // null = active; shown as status pill if set
+)

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

@@ -0,0 +1,16 @@
+package sh.sar.basedbank.util
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
+import sh.sar.basedbank.util.fahipayapi.FahipayAccountParser
+import sh.sar.basedbank.util.mibapi.MibAccountParser
+
+object AccountListParser {
+
+    fun from(account: MibAccount): AccountListDisplay? = when (account.bank) {
+        "BML"     -> BmlDashboardParser.displayData(account)
+        "FAHIPAY" -> FahipayAccountParser.displayData(account)
+        "MIB"     -> MibAccountParser.displayData(account)
+        else      -> null
+    }
+}

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

@@ -1,28 +0,0 @@
-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/ContactDisplay.kt

@@ -0,0 +1,22 @@
+package sh.sar.basedbank.util
+
+/**
+ * Standard display model for a contact row — produced by per-bank parsers,
+ * consumed by UI. No bank-specific logic in adapters or fragments.
+ */
+data class ContactDisplay(
+    val id: String,               // internal contact ID (benefNo)
+    val name: String,             // display nickname
+    val realName: String,         // legal name — used for search
+    val accountNumber: String,
+    val categoryId: String,       // for tab filtering
+    val network: TransferNetwork,
+    val bankColor: String,
+    val detail: String?,          // pre-formatted "Name · CCY · Bank" line; null = hide row
+    val imageHash: String?,
+    val profileId: String,        // MIB profile ID or BML loginTag (needed by ContactManager)
+    val transferSubtitle: String, // "Bank · accountNumber" shown in transfer screen
+    val canTransfer: Boolean,
+    val canEdit: Boolean,
+    val canDelete: Boolean
+)

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

@@ -0,0 +1,18 @@
+package sh.sar.basedbank.util
+
+import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.util.bmlapi.BmlContactParser
+import sh.sar.basedbank.util.fahipayapi.FahipayContactParser
+import sh.sar.basedbank.util.mibapi.MibContactParser
+
+object ContactListParser {
+
+    fun from(contact: MibBeneficiary): ContactDisplay? = when {
+        contact.benefCategoryId == "BML"                      -> BmlContactParser.displayData(contact)
+        contact.benefType == "FAHIPAY"                        -> FahipayContactParser.displayData(contact)
+        contact.benefType in setOf("I", "L", "S")             -> MibContactParser.displayData(contact)
+        else                                                  -> null
+    }
+
+    fun fromList(contacts: List<MibBeneficiary>): List<ContactDisplay> = contacts.mapNotNull { from(it) }
+}

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

@@ -0,0 +1,40 @@
+package sh.sar.basedbank.util
+
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.mib.MibContactsClient
+
+/**
+ * Behaviour dispatcher for contact operations.
+ * Routes add/delete to the correct bank API based on TransferNetwork.
+ * UI code never inspects the network or bank type directly.
+ */
+object ContactManager {
+
+    /** Deletes [contact] via the appropriate bank API. Returns true on success. */
+    suspend fun delete(contact: ContactDisplay, app: BasedBankApp): Boolean = when (contact.network) {
+        TransferNetwork.BML                                                    -> deleteBml(contact, app)
+        TransferNetwork.FAHIPAY                                                -> false   // Fahipay contacts are read-only
+        TransferNetwork.MIB, TransferNetwork.LOCAL, TransferNetwork.SWIFT     -> deleteMib(contact, app)
+    }
+
+    private fun deleteBml(contact: ContactDisplay, app: BasedBankApp): Boolean {
+        val sess = app.bmlSessions[contact.profileId] ?: app.anyBmlSession() ?: return false
+        val contactId = contact.id.removePrefix("bml_")
+        return try { BmlLoginFlow().deleteContact(sess, contactId) } catch (_: Exception) { false }
+    }
+
+    private fun deleteMib(contact: ContactDisplay, app: BasedBankApp): Boolean {
+        val sess = app.anyMibSession() ?: return false
+        return try {
+            if (contact.profileId.isNotBlank()) {
+                val (loginId, profile) = app.mibProfilesMap.entries
+                    .firstNotNullOfOrNull { (id, profiles) ->
+                        profiles.firstOrNull { it.profileId == contact.profileId }?.let { id to it }
+                    } ?: (null to null)
+                if (profile != null && loginId != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
+            }
+            MibContactsClient().deleteContact(sess, contact.id)
+        } catch (_: Exception) { false }
+    }
+}

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

@@ -5,6 +5,7 @@ import android.security.keystore.KeyGenParameterSpec
 import android.security.keystore.KeyProperties
 import android.util.Base64
 import org.json.JSONObject
+import sh.sar.basedbank.api.bml.BmlProfile
 import java.security.KeyStore
 import javax.crypto.Cipher
 import javax.crypto.KeyGenerator
@@ -21,75 +22,131 @@ class CredentialStore(context: Context) {
     data class BmlCredentials(val username: String, val password: String, val otpSeed: String)
     data class FahipayCredentials(val idCard: String, val password: String)
 
-    // ── MIB login credentials ─────────────────────────────────────────────────
+    // ── MIB login credentials (multi-login, keyed by loginId = username) ─────
 
-    fun hasMibCredentials(): Boolean = prefs.contains("mib_enc_username")
-    fun hasFahipayCredentials(): Boolean = prefs.contains("fahipay_enc_id_card")
+    fun getMibLoginIds(): List<String> {
+        maybeMigrateLegacyMib()
+        val json = prefs.getString("mib_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 saveMibCredentials(username: String, passwordHash: String, otpSeed: String) {
+    fun hasMibCredentials(): Boolean = getMibLoginIds().isNotEmpty()
+
+    private fun addMibLoginId(loginId: String) {
+        val ids = getMibLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("mib_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeMibLoginId(loginId: String) {
+        val ids = getMibLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("mib_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveMibCredentials(loginId: String, username: String, passwordHash: String, otpSeed: String) {
+        addMibLoginId(loginId)
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("mib_enc_username", encrypt(username, key))
-            .putString("mib_enc_password_hash", encrypt(passwordHash, key))
-            .putString("mib_enc_otp_seed", encrypt(otpSeed, key))
+            .putString("mib_${loginId}_enc_password_hash", encrypt(passwordHash, key))
+            .putString("mib_${loginId}_enc_otp_seed", encrypt(otpSeed, key))
             .apply()
     }
 
-    fun loadMibCredentials(): MibCredentials? {
+    fun loadMibCredentials(loginId: String): MibCredentials? {
         val key = getOrCreateKey()
-        val encUsername = prefs.getString("mib_enc_username", null) ?: return null
-        val encHash = prefs.getString("mib_enc_password_hash", null) ?: return null
-        val encSeed = prefs.getString("mib_enc_otp_seed", null) ?: return null
+        val encHash = prefs.getString("mib_${loginId}_enc_password_hash", null) ?: return null
+        val encSeed = prefs.getString("mib_${loginId}_enc_otp_seed", null) ?: return null
         return try {
-            MibCredentials(
-                decrypt(encUsername, key),
-                decrypt(encHash, key),
-                decrypt(encSeed, key)
-            )
+            MibCredentials(loginId, decrypt(encHash, key), decrypt(encSeed, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearMibCredentials() {
+    fun clearMibCredentials(loginId: String) {
+        removeMibLoginId(loginId)
         prefs.edit()
-            .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")
+            .remove("mib_${loginId}_enc_password_hash")
+            .remove("mib_${loginId}_enc_otp_seed")
+            .remove("mib_${loginId}_enc_key1")
+            .remove("mib_${loginId}_enc_key2")
+            .remove("mib_${loginId}_enc_app_id")
+            .remove("mib_${loginId}_all_profiles")
+            .remove("mib_${loginId}_enc_profile")
+            .remove("mib_${loginId}_enc_full_name")
+            .remove("mib_${loginId}_hidden_profile_ids")
             .apply()
     }
 
-    // ── MIB session keys (key1/key2) and app ID ───────────────────────────────
+    // ── MIB session keys (key1/key2) and app ID (per loginId) ────────────────
 
-    fun saveMibKeys(key1: String, key2: String) {
+    fun saveMibKeys(loginId: String, key1: String, key2: String) {
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("mib_enc_key1", encrypt(key1, key))
-            .putString("mib_enc_key2", encrypt(key2, key))
+            .putString("mib_${loginId}_enc_key1", encrypt(key1, key))
+            .putString("mib_${loginId}_enc_key2", encrypt(key2, key))
             .apply()
     }
 
-    fun loadMibKeys(): Pair<String, String>? {
+    fun loadMibKeys(loginId: String): Pair<String, String>? {
         val key = getOrCreateKey()
-        val encKey1 = prefs.getString("mib_enc_key1", null) ?: return null
-        val encKey2 = prefs.getString("mib_enc_key2", null) ?: return null
+        val encKey1 = prefs.getString("mib_${loginId}_enc_key1", null) ?: return null
+        val encKey2 = prefs.getString("mib_${loginId}_enc_key2", null) ?: return null
         return try {
             Pair(decrypt(encKey1, key), decrypt(encKey2, key))
         } catch (_: Exception) { null }
     }
 
-    fun saveMibAppId(id: String) {
+    fun saveMibAppId(loginId: String, id: String) {
         val key = getOrCreateKey()
-        prefs.edit().putString("mib_enc_app_id", encrypt(id, key)).apply()
+        prefs.edit().putString("mib_${loginId}_enc_app_id", encrypt(id, key)).apply()
     }
 
-    fun loadMibAppId(): String? {
+    fun loadMibAppId(loginId: String): String? {
         val key = getOrCreateKey()
-        val enc = prefs.getString("mib_enc_app_id", null) ?: return null
+        val enc = prefs.getString("mib_${loginId}_enc_app_id", null) ?: return null
         return try { decrypt(enc, key) } catch (_: Exception) { null }
     }
 
+    /** One-time migration: if old single-login MIB data exists, move it to per-loginId storage. */
+    private var migrationChecked = false
+    private fun maybeMigrateLegacyMib() {
+        if (migrationChecked) return
+        migrationChecked = true
+        if (prefs.contains("mib_login_ids")) return  // already migrated
+        val encUsername = prefs.getString("mib_enc_username", null) ?: return
+        val key = try { getOrCreateKey() } catch (_: Exception) { return }
+        val loginId = try { decrypt(encUsername, key) } catch (_: Exception) { return }
+        val editor = prefs.edit()
+        // Migrate credentials
+        prefs.getString("mib_enc_password_hash", null)?.let { editor.putString("mib_${loginId}_enc_password_hash", it) }
+        prefs.getString("mib_enc_otp_seed", null)?.let { editor.putString("mib_${loginId}_enc_otp_seed", it) }
+        prefs.getString("mib_enc_key1", null)?.let { editor.putString("mib_${loginId}_enc_key1", it) }
+        prefs.getString("mib_enc_key2", null)?.let { editor.putString("mib_${loginId}_enc_key2", it) }
+        prefs.getString("mib_enc_app_id", null)?.let { editor.putString("mib_${loginId}_enc_app_id", it) }
+        prefs.getString("mib_all_profiles", null)?.let { editor.putString("mib_${loginId}_all_profiles", it) }
+        prefs.getString("mib_enc_profile", null)?.let { editor.putString("mib_${loginId}_enc_profile", it) }
+        prefs.getString("mib_enc_full_name", null)?.let { editor.putString("mib_${loginId}_enc_full_name", it) }
+        prefs.getStringSet("mib_hidden_profile_ids", null)?.let { editor.putStringSet("mib_${loginId}_hidden_profile_ids", it) }
+        // Register the login ID and clear legacy keys
+        editor.putString("mib_login_ids", org.json.JSONArray(listOf(loginId)).toString())
+        editor.remove("mib_enc_username")
+        editor.remove("mib_enc_password_hash")
+        editor.remove("mib_enc_otp_seed")
+        editor.remove("mib_enc_key1")
+        editor.remove("mib_enc_key2")
+        editor.remove("mib_enc_app_id")
+        editor.remove("mib_all_profiles")
+        editor.remove("mib_enc_profile")
+        editor.remove("mib_enc_full_name")
+        editor.remove("mib_hidden_profile_ids")
+        editor.apply()
+    }
+
     // ── BML login credentials (multi-login, keyed by loginId = username) ────────
 
     fun getBmlLoginIds(): List<String> {
@@ -137,24 +194,85 @@ class CredentialStore(context: Context) {
     }
 
     fun clearBmlCredentials(loginId: String) {
+        loadBmlProfiles(loginId).forEach { clearBmlProfileSession(it.profileId) }
         removeBmlLoginId(loginId)
         prefs.edit()
             .remove("bml_${loginId}_enc_username")
             .remove("bml_${loginId}_enc_password")
             .remove("bml_${loginId}_enc_otp_seed")
+            .remove("bml_${loginId}_profiles")
+            .remove("bml_${loginId}_hidden_profile_ids")
+            // legacy single-profile session keys
+            .remove("bml_${loginId}_enc_token")
+            .remove("bml_${loginId}_enc_device_id")
             .apply()
     }
 
-    // ── BML session token (per loginId) ───────────────────────────────────────
+    // ── BML profiles (per loginId) ────────────────────────────────────────────
 
-    fun saveBmlSession(loginId: String, accessToken: String, deviceId: String) {
+    fun saveBmlProfiles(loginId: String, profiles: List<BmlProfile>) {
+        val arr = org.json.JSONArray()
+        for (p in profiles) arr.put(org.json.JSONObject().apply {
+            put("profileId", p.profileId)
+            put("name", p.name)
+            put("type", p.type)
+            put("profileType", p.profileType)
+            put("autoActivated", p.autoActivated)
+        })
+        prefs.edit().putString("bml_${loginId}_profiles", arr.toString()).apply()
+    }
+
+    fun loadBmlProfiles(loginId: String): List<BmlProfile> {
+        val raw = prefs.getString("bml_${loginId}_profiles", null) ?: return emptyList()
+        return try {
+            val arr = org.json.JSONArray(raw)
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                BmlProfile(
+                    profileId     = o.optString("profileId"),
+                    name          = o.optString("name"),
+                    type          = o.optString("type"),
+                    profileType   = o.optString("profileType", "default"),
+                    autoActivated = o.optBoolean("autoActivated", false)
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun getHiddenBmlProfileIds(loginId: String): Set<String> =
+        prefs.getStringSet("bml_${loginId}_hidden_profile_ids", emptySet()) ?: emptySet()
+
+    fun setHiddenBmlProfileIds(loginId: String, ids: Set<String>) =
+        prefs.edit().putStringSet("bml_${loginId}_hidden_profile_ids", ids).apply()
+
+    // ── BML per-profile session token (keyed by profileId, a globally unique GUID) ──
+
+    fun saveBmlProfileSession(profileId: String, accessToken: String, deviceId: String) {
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("bml_${loginId}_enc_token", encrypt(accessToken, key))
-            .putString("bml_${loginId}_enc_device_id", encrypt(deviceId, key))
+            .putString("bml_profile_${profileId}_enc_token", encrypt(accessToken, key))
+            .putString("bml_profile_${profileId}_enc_device_id", encrypt(deviceId, key))
             .apply()
     }
 
+    fun loadBmlProfileSession(profileId: String): Pair<String, String>? {
+        val key = getOrCreateKey()
+        val encToken    = prefs.getString("bml_profile_${profileId}_enc_token", null) ?: return null
+        val encDeviceId = prefs.getString("bml_profile_${profileId}_enc_device_id", null) ?: return null
+        return try {
+            Pair(decrypt(encToken, key), decrypt(encDeviceId, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearBmlProfileSession(profileId: String) {
+        prefs.edit()
+            .remove("bml_profile_${profileId}_enc_token")
+            .remove("bml_profile_${profileId}_enc_device_id")
+            .apply()
+    }
+
+    // ── Legacy single-profile BML session (kept for backward compat reading) ─
+
     fun loadBmlSession(loginId: String): Pair<String, String>? {
         val key = getOrCreateKey()
         val encToken    = prefs.getString("bml_${loginId}_enc_token", null) ?: return null
@@ -164,65 +282,81 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
-    fun clearBmlSession(loginId: String) {
+    // ── Fahipay login credentials (multi-login, keyed by loginId = profileId) ──
+
+    fun getFahipayLoginIds(): List<String> {
+        maybeMigrateLegacyFahipay()
+        val json = prefs.getString("fahipay_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 hasFahipayCredentials(): Boolean = getFahipayLoginIds().isNotEmpty()
+
+    private fun addFahipayLoginId(loginId: String) {
+        val ids = getFahipayLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("fahipay_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeFahipayLoginId(loginId: String) {
+        val ids = getFahipayLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("fahipay_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveFahipayCredentials(loginId: String, idCard: String, password: String) {
+        addFahipayLoginId(loginId)
+        val key = getOrCreateKey()
         prefs.edit()
-            .remove("bml_${loginId}_enc_token")
-            .remove("bml_${loginId}_enc_device_id")
+            .putString("fahipay_${loginId}_enc_id_card", encrypt(idCard, key))
+            .putString("fahipay_${loginId}_enc_password", encrypt(password, key))
             .apply()
     }
 
-    // ── Fahipay login credentials ─────────────────────────────────────────────
-
-    fun saveFahipayCredentials(idCard: String, password: String) {
+    fun loadFahipayCredentials(loginId: String): FahipayCredentials? {
         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
+        val encId = prefs.getString("fahipay_${loginId}_enc_id_card", null) ?: return null
+        val encPw = prefs.getString("fahipay_${loginId}_enc_password", null) ?: return null
         return try {
             FahipayCredentials(decrypt(encId, key), decrypt(encPw, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearFahipayCredentials() {
+    fun clearFahipayCredentials(loginId: String) {
+        removeFahipayLoginId(loginId)
         prefs.edit()
-            .remove("fahipay_enc_id_card")
-            .remove("fahipay_enc_password")
+            .remove("fahipay_${loginId}_enc_id_card")
+            .remove("fahipay_${loginId}_enc_password")
+            .remove("fahipay_${loginId}_enc_auth_id")
+            .remove("fahipay_${loginId}_enc_session_cookie")
+            .remove("fahipay_${loginId}_enc_profile")
             .apply()
     }
 
-    // ── Fahipay session (authId + __Secure-sess cookie) ───────────────────────
+    // ── Fahipay session (authId + __Secure-sess cookie) (per loginId) ─────────
 
-    fun saveFahipaySession(authId: String, sessionCookie: String) {
+    fun saveFahipaySession(loginId: String, 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))
+            .putString("fahipay_${loginId}_enc_auth_id", encrypt(authId, key))
+            .putString("fahipay_${loginId}_enc_session_cookie", encrypt(sessionCookie, key))
             .apply()
     }
 
-    fun loadFahipaySession(): Pair<String, String>? {
+    fun loadFahipaySession(loginId: String): 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
+        val encAuth = prefs.getString("fahipay_${loginId}_enc_auth_id", null) ?: return null
+        val encCookie = prefs.getString("fahipay_${loginId}_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 {
@@ -236,7 +370,7 @@ class CredentialStore(context: Context) {
         return uuid
     }
 
-    // ── Fahipay user profile ──────────────────────────────────────────────────
+    // ── Fahipay user profile (per loginId) ────────────────────────────────────
 
     data class FahipayUserProfile(
         val fullName: String,
@@ -248,7 +382,7 @@ class CredentialStore(context: Context) {
         val linkedAccounts: String
     )
 
-    fun saveFahipayUserProfile(p: FahipayUserProfile) {
+    fun saveFahipayUserProfile(loginId: String, p: FahipayUserProfile) {
         val json = org.json.JSONObject().apply {
             put("fullName", p.fullName)
             put("email", p.email)
@@ -259,12 +393,12 @@ class CredentialStore(context: Context) {
             put("linkedAccounts", p.linkedAccounts)
         }.toString()
         val key = getOrCreateKey()
-        prefs.edit().putString("fahipay_enc_profile", encrypt(json, key)).apply()
+        prefs.edit().putString("fahipay_${loginId}_enc_profile", encrypt(json, key)).apply()
     }
 
-    fun loadFahipayUserProfile(): FahipayUserProfile? {
+    fun loadFahipayUserProfile(loginId: String): FahipayUserProfile? {
         val key = getOrCreateKey()
-        val enc = prefs.getString("fahipay_enc_profile", null) ?: return null
+        val enc = prefs.getString("fahipay_${loginId}_enc_profile", null) ?: return null
         return try {
             val o = org.json.JSONObject(decrypt(enc, key))
             FahipayUserProfile(
@@ -279,6 +413,33 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
+    /** One-time migration: if old single-login Fahipay data exists, move it to per-loginId storage. */
+    private var fahipayMigrationChecked = false
+    private fun maybeMigrateLegacyFahipay() {
+        if (fahipayMigrationChecked) return
+        fahipayMigrationChecked = true
+        if (prefs.contains("fahipay_login_ids")) return  // already migrated
+        val encProfile = prefs.getString("fahipay_enc_profile", null) ?: return
+        val key = try { getOrCreateKey() } catch (_: Exception) { return }
+        val loginId = try {
+            val o = org.json.JSONObject(decrypt(encProfile, key))
+            o.optString("profileId").takeIf { it.isNotBlank() }
+        } catch (_: Exception) { null } ?: return
+        val editor = prefs.edit()
+        prefs.getString("fahipay_enc_id_card", null)?.let { editor.putString("fahipay_${loginId}_enc_id_card", it) }
+        prefs.getString("fahipay_enc_password", null)?.let { editor.putString("fahipay_${loginId}_enc_password", it) }
+        prefs.getString("fahipay_enc_auth_id", null)?.let { editor.putString("fahipay_${loginId}_enc_auth_id", it) }
+        prefs.getString("fahipay_enc_session_cookie", null)?.let { editor.putString("fahipay_${loginId}_enc_session_cookie", it) }
+        editor.putString("fahipay_${loginId}_enc_profile", encProfile)
+        editor.putString("fahipay_login_ids", org.json.JSONArray(listOf(loginId)).toString())
+        editor.remove("fahipay_enc_id_card")
+        editor.remove("fahipay_enc_password")
+        editor.remove("fahipay_enc_auth_id")
+        editor.remove("fahipay_enc_session_cookie")
+        editor.remove("fahipay_enc_profile")
+        editor.apply()
+    }
+
     // ── Security credential (PIN / pattern hash) ──────────────────────────────
 
     /**
@@ -329,19 +490,55 @@ class CredentialStore(context: Context) {
         val birthdate: String
     )
 
-    fun saveMibFullName(name: String) {
-        val key = getOrCreateKey()
-        prefs.edit().putString("mib_enc_full_name", encrypt(name, key)).apply()
+    // ── MIB operating profiles (per loginId) ─────────────────────────────────
+
+    fun saveMibProfiles(loginId: String, profiles: List<sh.sar.basedbank.api.mib.MibProfile>) {
+        val arr = org.json.JSONArray()
+        for (p in profiles) {
+            arr.put(org.json.JSONObject().apply {
+                put("profileId", p.profileId)
+                put("name", p.name)
+                put("cifType", p.cifType)
+                put("profileType", p.profileType)
+                put("color", p.color)
+            })
+        }
+        prefs.edit().putString("mib_${loginId}_all_profiles", arr.toString()).apply()
     }
 
-    fun loadMibFullName(): String? {
+    fun loadMibProfiles(loginId: String): List<sh.sar.basedbank.api.mib.MibProfile> {
+        val raw = prefs.getString("mib_${loginId}_all_profiles", null) ?: return emptyList()
+        return try {
+            val arr = org.json.JSONArray(raw)
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                sh.sar.basedbank.api.mib.MibProfile(
+                    profileId         = o.optString("profileId"),
+                    customerProfileId = o.optString("profileId"),
+                    annexId           = "",
+                    customerId        = "",
+                    name              = o.optString("name"),
+                    cifType           = o.optString("cifType"),
+                    profileType       = o.optString("profileType"),
+                    color             = o.optString("color"),
+                    customerImage     = null
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun saveMibFullName(loginId: String, name: String) {
         val key = getOrCreateKey()
-        val enc = prefs.getString("mib_enc_full_name", null) ?: return null
+        prefs.edit().putString("mib_${loginId}_enc_full_name", encrypt(name, key)).apply()
+    }
+
+    fun loadMibFullName(loginId: String): String? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mib_${loginId}_enc_full_name", null) ?: return null
         return try { decrypt(enc, key) } catch (_: Exception) { null }
     }
 
-
-    fun saveMibUserProfile(p: MibUserProfile) {
+    fun saveMibUserProfile(loginId: String, p: MibUserProfile) {
         val json = JSONObject().apply {
             put("fullName", p.fullName)
             put("username", p.username)
@@ -350,14 +547,13 @@ class CredentialStore(context: Context) {
             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()
+        prefs.edit().putString("mib_${loginId}_enc_profile", encrypt(json, key)).apply()
+        prefs.edit().putString("mib_${loginId}_enc_full_name", encrypt(p.fullName, key)).apply()
     }
 
-    fun loadMibUserProfile(): MibUserProfile? {
+    fun loadMibUserProfile(loginId: String): MibUserProfile? {
         val key = getOrCreateKey()
-        val enc = prefs.getString("mib_enc_profile", null) ?: return null
+        val enc = prefs.getString("mib_${loginId}_enc_profile", null) ?: return null
         return try {
             val o = JSONObject(decrypt(enc, key))
             MibUserProfile(
@@ -399,6 +595,15 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
+    // ── MIB profile visibility (per loginId) ─────────────────────────────────
+
+    /** Returns the set of MIB profile IDs the user has chosen to hide (for a given loginId). */
+    fun getHiddenMibProfileIds(loginId: String): Set<String> =
+        prefs.getStringSet("mib_${loginId}_hidden_profile_ids", emptySet()) ?: emptySet()
+
+    fun setHiddenMibProfileIds(loginId: String, ids: Set<String>) =
+        prefs.edit().putStringSet("mib_${loginId}_hidden_profile_ids", ids).apply()
+
     // ── Crypto primitives ─────────────────────────────────────────────────────
 
     private fun getOrCreateKey(): SecretKey {

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

@@ -0,0 +1,117 @@
+package sh.sar.basedbank.util
+
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.sync.withLock
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+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.MibHistoryClient
+import sh.sar.basedbank.api.mib.Transaction
+import java.text.SimpleDateFormat
+import java.util.Calendar
+import java.util.Locale
+
+/**
+ * Encapsulates all bank-specific pagination state and fetch logic for account history.
+ * The fragment holds one instance per account and calls [hasMore] / [fetchNextPage]
+ * without knowing which bank it is talking to.
+ */
+class HistoryFetcher(private val account: MibAccount) {
+
+    private val isMib     get() = account.bank == "MIB"
+    private val isBmlCard get() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
+    private val isFahipay get() = account.bank == "FAHIPAY"
+
+    // MIB pagination
+    private var mibNextStart  = 1
+    private var mibTotalCount = -1
+
+    // BML CASA pagination
+    private var bmlNextPage  = 1
+    private var bmlTotalPages = -1
+
+    // BML card pagination (month-based)
+    private var cardMonthOffset = 0
+
+    // Fahipay pagination
+    private var fahipayNextStart = 0
+    private var fahipayTotal     = -1
+
+    fun hasMore(): Boolean = when {
+        isFahipay -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+        isMib     -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+        isBmlCard -> cardMonthOffset < 3
+        else      -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+    }
+
+    suspend fun fetchNextPage(app: BasedBankApp, pageSize: Int = 10): List<Transaction> = when {
+        isFahipay -> withContext(Dispatchers.IO) { fetchFahipay(app) }
+        isMib     -> app.mibMutex.withLock { withContext(Dispatchers.IO) { fetchMib(app, pageSize) } }
+        isBmlCard -> withContext(Dispatchers.IO) { fetchBmlCard(app) }
+        else      -> withContext(Dispatchers.IO) { fetchBmlCasa(app) }
+    }
+
+    private fun fetchFahipay(app: BasedBankApp): List<Transaction> {
+        val session = app.fahipaySessionFor(account) ?: return 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
+        return list
+    }
+
+    private fun fetchMib(app: BasedBankApp, pageSize: Int): List<Transaction> {
+        val loginId = account.loginTag.removePrefix("mib_")
+        val session = app.mibSessions[loginId] ?: return emptyList()
+        val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+        val profile = profiles.firstOrNull { it.profileId == account.profileId }
+        if (profile != null) app.mibFlowFor(loginId).switchProfile(session, profile)
+        val (list, total) = MibHistoryClient().fetchHistory(
+            session            = session,
+            accountNo          = account.accountNumber,
+            accountDisplayName = account.accountBriefName,
+            start              = mibNextStart,
+            pageSize           = pageSize
+        )
+        if (total > 0) mibTotalCount = total
+        mibNextStart += list.size.coerceAtLeast(pageSize)
+        return list
+    }
+
+    private fun fetchBmlCard(app: BasedBankApp): List<Transaction> {
+        val session = app.bmlSessionFor(account) ?: return emptyList()
+        val cal = Calendar.getInstance()
+        cal.add(Calendar.MONTH, -cardMonthOffset)
+        val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
+        cardMonthOffset++
+        return BmlLoginFlow().fetchCardHistory(
+            session            = session,
+            cardId             = account.internalId,
+            accountDisplayName = account.accountBriefName,
+            accountNumber      = account.accountNumber,
+            month              = month
+        )
+    }
+
+    private fun fetchBmlCasa(app: BasedBankApp): List<Transaction> {
+        val session = app.bmlSessionFor(account) ?: return emptyList()
+        val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
+            session            = session,
+            accountId          = account.internalId,
+            accountDisplayName = account.accountBriefName,
+            accountNumber      = account.accountNumber,
+            page               = bmlNextPage
+        )
+        if (totalPages > 0) bmlTotalPages = totalPages
+        bmlNextPage++
+        return list
+    }
+}

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

@@ -1,18 +0,0 @@
-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/ReceiptStore.kt

@@ -0,0 +1,83 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import java.io.File
+
+/** Persistent (non-cache) store for completed transfer receipts shown in Recent Transfers. */
+object ReceiptStore {
+
+    private const val FILE_NAME = "activities.json"
+
+    data class Entry(val data: TransferReceiptData, val savedAt: Long)
+
+    fun save(context: Context, receipt: TransferReceiptData) {
+        val existing = loadAll(context).toMutableList()
+        existing.add(0, Entry(receipt, System.currentTimeMillis()))
+        writeAll(context, existing)
+    }
+
+    fun loadAll(context: Context): List<Entry> {
+        val file = File(context.filesDir, FILE_NAME)
+        if (!file.exists()) return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(file.readText()))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                Entry(
+                    data = TransferReceiptData(
+                        bank                 = o.optString("bank", "MIB"),
+                        amount               = o.optString("amount"),
+                        currency             = o.optString("currency"),
+                        fromLabel            = o.optString("fromLabel"),
+                        fromColorHex         = o.optString("fromColorHex"),
+                        fromProfileImageHash = o.optString("fromProfileImageHash").takeIf { it.isNotBlank() },
+                        toLabel              = o.optString("toLabel"),
+                        toAccount            = o.optString("toAccount"),
+                        toBank               = o.optString("toBank"),
+                        remarks              = o.optString("remarks"),
+                        mibReferenceNo       = o.optString("mibReferenceNo"),
+                        mibTransactionDate   = o.optString("mibTransactionDate"),
+                        bmlFromName          = o.optString("bmlFromName"),
+                        bmlReference         = o.optString("bmlReference"),
+                        bmlTimestamp         = o.optString("bmlTimestamp"),
+                        bmlMessage           = o.optString("bmlMessage")
+                    ),
+                    savedAt = o.optLong("savedAt", 0L)
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun clearAll(context: Context) {
+        File(context.filesDir, FILE_NAME).delete()
+    }
+
+    private fun writeAll(context: Context, items: List<Entry>) {
+        try {
+            val arr = JSONArray()
+            for ((d, ts) in items) arr.put(JSONObject().apply {
+                put("bank",                  d.bank)
+                put("amount",                d.amount)
+                put("currency",              d.currency)
+                put("fromLabel",             d.fromLabel)
+                put("fromColorHex",          d.fromColorHex)
+                put("fromProfileImageHash",  d.fromProfileImageHash ?: "")
+                put("toLabel",               d.toLabel)
+                put("toAccount",             d.toAccount)
+                put("toBank",                d.toBank)
+                put("remarks",               d.remarks)
+                put("mibReferenceNo",        d.mibReferenceNo)
+                put("mibTransactionDate",    d.mibTransactionDate)
+                put("bmlFromName",           d.bmlFromName)
+                put("bmlReference",          d.bmlReference)
+                put("bmlTimestamp",          d.bmlTimestamp)
+                put("bmlMessage",            d.bmlMessage)
+                put("savedAt",               ts)
+            })
+            File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(arr.toString()))
+        } catch (_: Exception) {}
+    }
+}

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

@@ -0,0 +1,10 @@
+package sh.sar.basedbank.util
+
+/** App-unified term for the transfer routing network a contact uses. */
+enum class TransferNetwork {
+    MIB,      // MIB internal (both parties on MIB)
+    LOCAL,    // local inter-bank via IPS (e.g. BML from MIB's side)
+    SWIFT,    // international SWIFT
+    BML,      // Bank of Maldives
+    FAHIPAY   // Fahipay wallet
+}

app/src/main/java/sh/sar/basedbank/util/bmlapi/BmlContactParser.kt

@@ -0,0 +1,25 @@
+package sh.sar.basedbank.util.bmlapi
+
+import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object BmlContactParser {
+
+    fun displayData(contact: MibBeneficiary) = ContactDisplay(
+        id               = contact.benefNo,
+        name             = contact.benefNickName,
+        realName         = contact.benefName,
+        accountNumber    = contact.benefAccount,
+        categoryId       = contact.benefCategoryId,
+        network          = TransferNetwork.BML,
+        bankColor        = contact.bankColor,
+        detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+        imageHash        = contact.customerImgHash,
+        profileId        = contact.profileId,
+        transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",
+        canTransfer      = true,
+        canEdit          = true,
+        canDelete        = true
+    )
+}

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

@@ -0,0 +1,69 @@
+package sh.sar.basedbank.util.bmlapi
+
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object BmlDashboardParser {
+
+    /**
+     * Returns all display fields for an account/card row in the accounts list.
+     * Handles both BML CASA accounts and BML prepaid/credit cards.
+     */
+    fun displayData(account: MibAccount): AccountListDisplay {
+        val isCard = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
+        return if (isCard) {
+            val isActive = account.statusDesc.equals("Active", ignoreCase = true)
+            AccountListDisplay(
+                name          = account.accountBriefName,
+                number        = account.accountNumber,
+                typeLabel     = productLabel(account.accountTypeName),
+                balance       = "${account.currencyName} ${account.availableBalance}",
+                isCard        = true,
+                cardBrandIcon = cardBrandIcon(account.accountTypeName),
+                statusLabel   = if (isActive) null else account.statusDesc
+            )
+        } else {
+            AccountListDisplay(
+                name      = account.accountBriefName,
+                number    = account.accountNumber,
+                typeLabel = productLabel(account.accountTypeName),
+                balance   = listBalance(account)
+            )
+        }
+    }
+
+    /**
+     * Returns a display-ready product label for a BML dashboard account or card.
+     */
+    fun productLabel(raw: String): String {
+        val u = raw.trim().uppercase()
+        return when {
+            u == "SAVINGS ACCOUNT"                       -> "Savings"
+            u == "CURRENT ACCOUNT" ||
+            u == "CURRENT ACCOUNT(PERSONAL)" ||
+            u == "CURRENT ACCOUNT(BUSINESS)"             -> "Current"
+            u == "WADIAH RETAIL CURRENT ACCOUNT" ||
+            u == "WADIAH BUSINESS CURRENT ACCOUNT"       -> "Islamic Current"
+            u == "BML ISLAMIC SAVINGS ACCOUNT"           -> "Islamic Savings"
+            else                                         -> toTitleCase(raw)
+        }
+    }
+
+    /** Balance shown in the accounts list — ledger (working) balance for BML CASA. */
+    fun listBalance(account: MibAccount): String =
+        "${account.currencyName} ${account.currentBalance}"
+
+    fun cardBrandIcon(productName: String): Int = when {
+        productName.contains("AMEX", ignoreCase = true) ||
+        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
+    }
+
+    fun toTitleCase(input: String): String =
+        input.trim().lowercase().split(" ").joinToString(" ") { word ->
+            word.replaceFirstChar { it.uppercaseChar() }
+        }
+}

app/src/main/java/sh/sar/basedbank/util/bmlapi/BmlHistoryParser.kt

@@ -0,0 +1,20 @@
+package sh.sar.basedbank.util.bmlapi
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object BmlHistoryParser {
+
+    fun displayData(account: MibAccount): AccountHistoryDisplay {
+        val blocked = account.blockedAmount.toDoubleOrNull() ?: 0.0
+        return AccountHistoryDisplay(
+            name             = account.accountBriefName,
+            number           = account.accountNumber,
+            bankPill         = "BML",
+            typeLabel        = BmlDashboardParser.productLabel(account.accountTypeName),
+            availableBalance = "${account.currencyName} ${account.availableBalance}",
+            workingBalance   = "${account.currencyName} ${account.currentBalance}",
+            blockedBalance   = if (blocked > 0.0) "${account.currencyName} ${account.blockedAmount}" else null
+        )
+    }
+}

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayAccountParser.kt

@@ -0,0 +1,14 @@
+package sh.sar.basedbank.util.fahipayapi
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object FahipayAccountParser {
+
+    fun displayData(account: MibAccount) = AccountListDisplay(
+        name      = account.accountBriefName,
+        number    = account.accountNumber,
+        typeLabel = account.accountTypeName,
+        balance   = "${account.currencyName} ${account.availableBalance}"
+    )
+}

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayContactParser.kt

@@ -0,0 +1,25 @@
+package sh.sar.basedbank.util.fahipayapi
+
+import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object FahipayContactParser {
+
+    fun displayData(contact: MibBeneficiary) = ContactDisplay(
+        id               = contact.benefNo,
+        name             = contact.benefNickName,
+        realName         = contact.benefName,
+        accountNumber    = contact.benefAccount,
+        categoryId       = contact.benefCategoryId,
+        network          = TransferNetwork.FAHIPAY,
+        bankColor        = contact.bankColor,
+        detail           = null,   // Fahipay contacts show no detail line
+        imageHash        = contact.customerImgHash,
+        profileId        = contact.profileId,
+        transferSubtitle = contact.benefAccount,
+        canTransfer      = false,
+        canEdit          = false,
+        canDelete        = false
+    )
+}

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayHistoryParser.kt

@@ -0,0 +1,17 @@
+package sh.sar.basedbank.util.fahipayapi
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object FahipayHistoryParser {
+
+    fun displayData(account: MibAccount) = AccountHistoryDisplay(
+        name             = account.accountBriefName,
+        number           = account.accountNumber,
+        bankPill         = "FP",
+        typeLabel        = account.accountTypeName,
+        availableBalance = "${account.currencyName} ${account.availableBalance}",
+        workingBalance   = "${account.currencyName} ${account.currentBalance}",
+        blockedBalance   = null
+    )
+}

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

@@ -0,0 +1,26 @@
+package sh.sar.basedbank.util.mibapi
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object MibAccountParser {
+
+    fun displayData(account: MibAccount) = AccountListDisplay(
+        name      = account.accountBriefName,
+        number    = account.accountNumber,
+        typeLabel = productLabel(account.accountTypeName),
+        balance   = "${account.currencyName} ${account.availableBalance}"
+    )
+
+    /**
+     * Returns a display-ready product label for a MIB (Faisanet) account type name.
+     */
+    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/mibapi/MibContactParser.kt

@@ -0,0 +1,32 @@
+package sh.sar.basedbank.util.mibapi
+
+import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object MibContactParser {
+
+    fun displayData(contact: MibBeneficiary): ContactDisplay {
+        val network = when (contact.benefType) {
+            "I"  -> TransferNetwork.MIB
+            "S"  -> TransferNetwork.SWIFT
+            else -> TransferNetwork.LOCAL   // "L" and anything else
+        }
+        return ContactDisplay(
+            id               = contact.benefNo,
+            name             = contact.benefNickName,
+            realName         = contact.benefName,
+            accountNumber    = contact.benefAccount,
+            categoryId       = contact.benefCategoryId,
+            network          = network,
+            bankColor        = contact.bankColor,
+            detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+            imageHash        = contact.customerImgHash,
+            profileId        = contact.profileId,
+            transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",
+            canTransfer      = true,
+            canEdit          = true,
+            canDelete        = true
+        )
+    }
+}

app/src/main/java/sh/sar/basedbank/util/mibapi/MibHistoryParser.kt

@@ -0,0 +1,17 @@
+package sh.sar.basedbank.util.mibapi
+
+import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object MibHistoryParser {
+
+    fun displayData(account: MibAccount) = AccountHistoryDisplay(
+        name             = account.accountBriefName,
+        number           = account.accountNumber,
+        bankPill         = null,   // MIB has no bank pill
+        typeLabel        = MibAccountParser.productLabel(account.accountTypeName),
+        availableBalance = "${account.currencyName} ${account.availableBalance}",
+        workingBalance   = "${account.currencyName} ${account.currentBalance}",
+        blockedBalance   = null
+    )
+}

app/src/main/res/drawable/ic_drag_handle.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="M9,3h2v2H9V3zm4,0h2v2h-2V3zM9,7h2v2H9V7zm4,0h2v2h-2V7zM9,11h2v2H9v-2zm4,0h2v2h-2v-2zM9,15h2v2H9v-2zm4,0h2v2h-2v-2zM9,19h2v2H9v-2zm4,0h2v2h-2v-2z"/>
+</vector>

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

@@ -0,0 +1,13 @@
+<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="@android:color/transparent"
+        android:strokeColor="?attr/colorPrimary"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M12,3v13M7,11l5,5 5,-5M5,21h14" />
+</vector>

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

@@ -0,0 +1,13 @@
+<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="@android:color/transparent"
+        android:strokeColor="?attr/colorPrimary"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M18,16.08c-0.76,0 -1.44,0.3 -1.96,0.77L8.91,12.7c0.05,-0.23 0.09,-0.46 0.09,-0.7s-0.04,-0.47 -0.09,-0.7l7.05,-4.11c0.54,0.5 1.25,0.81 2.04,0.81c1.66,0 3,-1.34 3,-3s-1.34,-3 -3,-3s-3,1.34 -3,3c0,0.24 0.04,0.47 0.09,0.7L8.04,9.81C7.5,9.31 6.79,9 6,9c-1.66,0 -3,1.34 -3,3s1.34,3 3,3c0.79,0 1.5,-0.31 2.04,-0.81l7.12,4.16c-0.05,0.21 -0.08,0.43 -0.08,0.65c0,1.61 1.31,2.92 2.92,2.92s2.92,-1.31 2.92,-2.92s-1.31,-2.92 -2.92,-2.92z" />
+</vector>

app/src/main/res/drawable/ic_visibility.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="M12,4.5C7,4.5 2.73,7.61 1,12c1.73,4.39 6,7.5 11,7.5s9.27,-3.11 11,-7.5c-1.73,-4.39-6,-7.5-11,-7.5zM12,17c-2.76,0-5,-2.24-5,-5s2.24,-5 5,-5 5,2.24 5,5-2.24,5-5,5zM12,9c-1.66,0-3,1.34-3,3s1.34,3 3,3 3,-1.34 3,-3-1.34,-3-3,-3z" />
+</vector>

app/src/main/res/drawable/ic_visibility_off.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="M12,7c2.76,0 5,2.24 5,5 0,0.65-0.13,1.26-0.36,1.83l2.92,2.92c1.51,-1.26 2.7,-2.89 3.43,-4.75-1.73,-4.39-6,-7.5-11,-7.5-1.4,0-2.74,0.25-3.98,0.7l2.16,2.16C10.74,7.13 11.35,7 12,7zM2,4.27l2.28,2.28 0.46,0.46C3.08,8.3 1.78,10.02 1,12c1.73,4.39 6,7.5 11,7.5 1.55,0 3.03,-0.3 4.38,-0.84l0.42,0.42L19.73,22 21,20.73 3.27,3 2,4.27zM7.53,9.8l1.55,1.55c-0.05,0.21-0.08,0.43-0.08,0.65 0,1.66 1.34,3 3,3 0.22,0 0.44,-0.03 0.65,-0.08l1.55,1.55c-0.67,0.33-1.41,0.53-2.2,0.53-2.76,0-5,-2.24-5,-5 0,-0.79 0.2,-1.53 0.53,-2.2zM11.84,9.02l3.15,3.15 0.02,-0.16c0,-1.66-1.34,-3-3,-3l-0.17,0.01z" />
+</vector>

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

@@ -53,7 +53,7 @@
                 android:layout_height="wrap_content"
                 android:visibility="gone"
                 android:fitsSystemWindows="true"
-                app:menu="@menu/bottom_nav_menu" />
+app:menu="@menu/bottom_nav_menu" />
 
         </LinearLayout>
 

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

@@ -0,0 +1,59 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical"
+    android:background="?attr/colorSurface">
+
+    <com.google.android.material.textfield.TextInputLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:layout_marginBottom="4dp"
+        style="@style/Widget.MaterialComponents.TextInputLayout.OutlinedBox.Dense"
+        app:startIconDrawable="@android:drawable/ic_menu_search"
+        app:boxCornerRadiusTopStart="24dp"
+        app:boxCornerRadiusTopEnd="24dp"
+        app:boxCornerRadiusBottomStart="24dp"
+        app:boxCornerRadiusBottomEnd="24dp">
+
+        <com.google.android.material.textfield.TextInputEditText
+            android:id="@+id/etSearch"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:hint="Search"
+            android:inputType="text"
+            android:maxLines="1"
+            android:imeOptions="actionSearch" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <FrameLayout
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1">
+
+        <androidx.recyclerview.widget.RecyclerView
+            android:id="@+id/recyclerView"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:paddingTop="4dp"
+            android:paddingBottom="16dp"
+            android:clipToPadding="false" />
+
+        <TextView
+            android:id="@+id/emptyView"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:gravity="center"
+            android:text="No recent transfers"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant"
+            android:visibility="gone" />
+
+    </FrameLayout>
+
+</LinearLayout>

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

@@ -94,7 +94,7 @@
                 <ImageView
                     android:layout_width="138dp"
                     android:layout_height="40dp"
-                    android:src="@drawable/bml_logo_vector"
+                    android:src="@drawable/bml_logo_long"
                     android:contentDescription="@string/bml_name"
                     android:scaleType="fitStart"
                     android:layout_marginBottom="12dp" />

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

@@ -1,11 +1,17 @@
 <?xml version="1.0" encoding="utf-8"?>
-<androidx.core.widget.NestedScrollView
+<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:orientation="vertical"
     android:background="?attr/colorSurface">
 
+    <androidx.core.widget.NestedScrollView
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1">
+
     <LinearLayout
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
@@ -162,33 +168,57 @@
 
         </com.google.android.material.card.MaterialCardView>
 
-        <!-- Action buttons -->
+    </LinearLayout>
+
+    </androidx.core.widget.NestedScrollView>
+
+    <!-- Quick actions fixed at bottom -->
+    <LinearLayout
+        android:id="@+id/buttonBar"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingHorizontal="16dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="16dp">
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/dashboard_quick_actions"
+            android:textAppearance="?attr/textAppearanceLabelMedium"
+            android:textColor="?attr/colorOnSurfaceVariant"
+            android:layout_marginBottom="8dp" />
+
         <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:layout_marginTop="24dp"
             android:orientation="horizontal">
 
             <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnTransfer"
+                android:id="@+id/btnQuickAction1"
                 style="@style/Widget.Material3.Button.OutlinedButton"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginEnd="8dp"
-                android:text="@string/transfer" />
+                app:iconGravity="textStart"
+                app:iconSize="18dp"
+                app:iconPadding="8dp" />
 
             <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnPayMvQr"
+                android:id="@+id/btnQuickAction2"
                 style="@style/Widget.Material3.Button.OutlinedButton"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
                 android:layout_marginStart="8dp"
-                android:text="@string/pay_mv_qr" />
+                app:iconGravity="textStart"
+                app:iconSize="18dp"
+                app:iconPadding="8dp" />
 
         </LinearLayout>
 
     </LinearLayout>
 
-</androidx.core.widget.NestedScrollView>
+</LinearLayout>

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

@@ -0,0 +1,118 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical"
+    android:paddingHorizontal="16dp"
+    android:paddingTop="16dp"
+    android:paddingBottom="16dp"
+    android:background="?attr/colorSurface">
+
+    <!-- QR card fills all available space above the inputs -->
+    <FrameLayout
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:layout_marginBottom="12dp">
+
+        <TextView
+            android:id="@+id/tvQrPlaceholder"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center"
+            android:text="Select an account"
+            android:textAppearance="?attr/textAppearanceBodyLarge"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+        <ImageView
+            android:id="@+id/ivQrCard"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:visibility="gone"
+            android:scaleType="fitCenter"
+            android:contentDescription="@string/pay_mv_qr" />
+
+    </FrameLayout>
+
+    <!-- Account dropdown -->
+    <com.google.android.material.textfield.TextInputLayout
+        android:id="@+id/tilAccount"
+        style="@style/Widget.Material3.TextInputLayout.OutlinedBox.ExposedDropdownMenu"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginBottom="10dp"
+        android:hint="@string/paymvqr_select_account">
+
+        <AutoCompleteTextView
+            android:id="@+id/actvAccount"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:inputType="none"
+            android:focusable="false"
+            android:focusableInTouchMode="false" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <!-- Amount (optional) -->
+    <com.google.android.material.textfield.TextInputLayout
+        android:id="@+id/tilAmount"
+        style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginBottom="12dp"
+        android:hint="@string/paymvqr_amount_hint"
+        app:helperText="@string/paymvqr_amount_helper"
+        app:prefixText="MVR ">
+
+        <com.google.android.material.textfield.TextInputEditText
+            android:id="@+id/etAmount"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:inputType="numberDecimal"
+            android:maxLines="1" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <!-- Action buttons — always visible; share/save disabled until QR is rendered -->
+    <LinearLayout
+        android:id="@+id/layoutActions"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="horizontal">
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnShare"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_weight="1"
+            android:layout_height="wrap_content"
+            android:layout_marginEnd="4dp"
+            android:enabled="false"
+            android:text="@string/paymvqr_share"
+            app:icon="@drawable/ic_share" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSave"
+            android:layout_width="0dp"
+            android:layout_weight="1"
+            android:layout_height="wrap_content"
+            android:layout_marginHorizontal="4dp"
+            android:enabled="false"
+            android:text="@string/paymvqr_save_image"
+            app:icon="@drawable/ic_save" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnScanQr"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_weight="1"
+            android:layout_height="wrap_content"
+            android:layout_marginStart="4dp"
+            android:text="@string/transfer_scan_qr"
+            app:icon="@drawable/ic_qr_scan" />
+
+    </LinearLayout>
+
+</LinearLayout>

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

@@ -1,6 +1,7 @@
 <?xml version="1.0" encoding="utf-8"?>
 <LinearLayout
     xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
     android:layout_width="match_parent"
     android:layout_height="match_parent"
     android:orientation="vertical"
@@ -225,7 +226,8 @@
             android:layout_height="wrap_content"
             android:layout_weight="1"
             android:layout_marginEnd="4dp"
-            android:text="Share" />
+            android:text="Share"
+            app:icon="@drawable/ic_share" />
 
         <com.google.android.material.button.MaterialButton
             android:id="@+id/btnSave"
@@ -234,7 +236,8 @@
             android:layout_height="wrap_content"
             android:layout_weight="1"
             android:layout_marginHorizontal="4dp"
-            android:text="Save" />
+            android:text="Save"
+            app:icon="@drawable/ic_save" />
 
         <com.google.android.material.button.MaterialButton
             android:id="@+id/btnDone"

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

@@ -253,7 +253,8 @@
             android:layout_height="wrap_content"
             android:layout_weight="1"
             android:layout_marginEnd="4dp"
-            android:text="Share" />
+            android:text="Share"
+            app:icon="@drawable/ic_share" />
 
         <com.google.android.material.button.MaterialButton
             android:id="@+id/btnSave"
@@ -262,7 +263,8 @@
             android:layout_height="wrap_content"
             android:layout_weight="1"
             android:layout_marginHorizontal="4dp"
-            android:text="Save" />
+            android:text="Save"
+            app:icon="@drawable/ic_save" />
 
         <com.google.android.material.button.MaterialButton
             android:id="@+id/btnDone"

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

@@ -15,7 +15,7 @@
             android:layout_height="wrap_content"
             android:orientation="vertical"
             android:paddingHorizontal="24dp"
-            android:paddingTop="40dp"
+            android:paddingTop="64dp"
             android:paddingBottom="24dp"
             android:gravity="center_horizontal">
 

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

@@ -45,6 +45,69 @@
 
         </com.google.android.material.button.MaterialButtonToggleGroup>
 
+        <!-- Quick actions (always active) -->
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/dashboard_quick_actions"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginTop="8dp"
+            android:layout_marginBottom="12dp" />
+
+        <androidx.recyclerview.widget.RecyclerView
+            android:id="@+id/rvQuickActions"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:nestedScrollingEnabled="false"
+            android:overScrollMode="never"
+            android:layout_marginBottom="16dp" />
+
+        <!-- Bottom bar shortcuts — shown only when bottom nav is active -->
+        <LinearLayout
+            android:id="@+id/sectionBottomBarShortcuts"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:layout_marginBottom="8dp">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_bottom_bar_shortcuts"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:layout_marginTop="8dp"
+                android:layout_marginBottom="12dp" />
+
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvNavSlots"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:nestedScrollingEnabled="false"
+                android:overScrollMode="never" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginTop="12dp"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/settings_bottom_bar_show_labels"
+                    android:textAppearance="?attr/textAppearanceTitleMedium" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchShowLabels"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
         <TextView
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"

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

@@ -162,6 +162,44 @@
             android:layout_marginTop="24dp"
             android:layout_marginBottom="8dp" />
 
+        <LinearLayout
+            android:id="@+id/rowHideAmounts"
+            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_hide_amounts"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_hide_amounts_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <com.google.android.material.materialswitch.MaterialSwitch
+                android:id="@+id/switchHideAmounts"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp" />
+
+        </LinearLayout>
+
         <LinearLayout
             android:id="@+id/rowBlockScreenshots"
             android:layout_width="match_parent"

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

@@ -37,9 +37,17 @@
                 android:fontFamily="monospace"
                 android:layout_marginTop="2dp" />
 
+            <TextView
+                android:id="@+id/tvAccountType"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginTop="2dp" />
+
         </LinearLayout>
 
-        <!-- Right: segmented pill (bank | type) + balance -->
+        <!-- Right: balance + transfer button -->
         <LinearLayout
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"
@@ -47,31 +55,22 @@
             android:gravity="end"
             android:layout_marginStart="16dp">
 
-            <LinearLayout
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:orientation="horizontal"
-                android:gravity="center_vertical"
-                android:background="@drawable/pill_segment_bg">
-
-                <TextView
-                    android:id="@+id/tvPillType"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:paddingHorizontal="12dp"
-                    android:paddingVertical="6dp"
-                    android:textAppearance="?attr/textAppearanceLabelSmall"
-                    android:textColor="?attr/colorOnSurface" />
-
-            </LinearLayout>
-
             <TextView
                 android:id="@+id/tvBalance"
                 android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
                 android:textAppearance="?attr/textAppearanceTitleSmall"
-                android:textColor="?attr/colorOnSurface"
-                android:layout_marginTop="6dp" />
+                android:textColor="?attr/colorOnSurface" />
+
+            <ImageButton
+                android:id="@+id/btnTransfer"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:layout_marginTop="4dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:src="@drawable/ic_send"
+                android:tint="?attr/colorPrimary"
+                android:contentDescription="Transfer" />
 
         </LinearLayout>
 

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

@@ -56,7 +56,7 @@
 
         </LinearLayout>
 
-        <!-- Status pill + balance (prepaid only) -->
+        <!-- Transfer button + balance -->
         <LinearLayout
             android:id="@+id/layoutCardBalance"
             android:layout_width="wrap_content"
@@ -85,6 +85,16 @@
                 android:textColor="?attr/colorOnSurface"
                 android:layout_marginTop="6dp" />
 
+            <ImageButton
+                android:id="@+id/btnTransfer"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:layout_marginTop="4dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:src="@drawable/ic_send"
+                android:tint="?attr/colorPrimary"
+                android:contentDescription="Transfer" />
+
         </LinearLayout>
 
     </LinearLayout>

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

@@ -0,0 +1,28 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="wrap_content"
+    android:layout_height="wrap_content"
+    android:orientation="vertical"
+    android:gravity="center"
+    android:paddingVertical="12dp"
+    android:paddingHorizontal="8dp"
+    android:background="?attr/selectableItemBackground">
+
+    <ImageView
+        android:id="@+id/ivNavIcon"
+        android:layout_width="28dp"
+        android:layout_height="28dp"
+        android:layout_marginBottom="6dp" />
+
+    <TextView
+        android:id="@+id/tvNavLabel"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:textAppearance="?attr/textAppearanceLabelSmall"
+        android:textColor="?attr/colorOnSurface"
+        android:gravity="center"
+        android:maxLines="1"
+        android:ellipsize="end" />
+
+</LinearLayout>

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

@@ -1,8 +1,6 @@
 <?xml version="1.0" encoding="utf-8"?>
 <com.google.android.material.navigation.NavigationView
     xmlns:android="http://schemas.android.com/apk/res/android"
-    xmlns:app="http://schemas.android.com/apk/res-auto"
     android:id="@+id/navMoreView"
     android:layout_width="match_parent"
-    android:layout_height="wrap_content"
-    app:menu="@menu/more_nav_menu" />
+    android:layout_height="wrap_content" />

app/src/main/res/menu/toolbar_menu.xml

@@ -2,6 +2,12 @@
 <menu xmlns:android="http://schemas.android.com/apk/res/android"
     xmlns:app="http://schemas.android.com/apk/res-auto">
 
+    <item
+        android:id="@+id/action_hide_amounts"
+        android:icon="@drawable/ic_visibility"
+        android:title="@string/action_hide_amounts"
+        app:showAsAction="always" />
+
     <item
         android:id="@+id/action_lock"
         android:icon="@drawable/ic_lock"

app/src/main/res/values-b+dv/strings.xml

@@ -70,7 +70,7 @@
     <string name="nav_accounts">އެކައުންޓްތައް</string>
     <string name="nav_contacts">ކޮންޓެކްޓްތައް</string>
     <string name="nav_activities">ހަރަކާތްތައް</string>
-    <string name="nav_transfer_history">ޓްރާންސްފަ ތާރީހް</string>
+    <string name="nav_transfer_history">ޓްރާންސެކްޝަން ތާރީހް</string>
     <string name="nav_finances">ފައިނޭންސް</string>
     <string name="nav_card_settings">ކާޑް ސެޓިންގ</string>
     <string name="nav_settings">ސެޓިންގ</string>
@@ -79,6 +79,7 @@
     <string name="work_in_progress">ތައްޔާރުވަމުން ދަނީ</string>
 
     <!-- Dashboard -->
+    <string name="dashboard_quick_actions">ހަލުވި ހަރަކާތްތައް</string>
     <string name="balance_mvr">ޖުމްލަ MVR</string>
     <string name="balance_usd">ޖުމްލަ USD</string>
     <string name="card_support_wip">ކާޑް ސަޕޯޓް</string>
@@ -86,6 +87,11 @@
     <string name="pay_mv_qr">PayMV QR</string>
 
     <!-- Settings -->
+    <string name="settings_bottom_bar_shortcuts">ތިރި ބާ ޝޯޓްކަޓްތައް</string>
+    <string name="settings_bottom_bar_select">ބަޓަން ހިޔާރު ކުރޭ</string>
+    <string name="settings_bottom_bar_slot_1">ތަން 1</string>
+    <string name="settings_bottom_bar_slot_2">ތަން 2</string>
+    <string name="settings_bottom_bar_slot_3">ތަން 3</string>
     <string name="theme">ތީމް</string>
     <string name="theme_system">ސިސްޓަމް</string>
     <string name="theme_light">ލައިޓް</string>
@@ -113,6 +119,8 @@
     <string name="close">ބަންދު</string>
     <string name="cancel">ކެންސަލް</string>
 
+    <string name="settings_bottom_bar_show_labels">ބޮޓަމް ބާ ލޭބަލް އަބަދުވެސް ދެއްކުން</string>
+
     <!-- Home -->
     <string name="accounts">އެކައުންޓްތައް</string>
     <string name="available_balance">ލިބެން ހުރި ބެލެންސް</string>

app/src/main/res/values/strings.xml

@@ -76,11 +76,11 @@
 
     <!-- Navigation -->
     <string name="nav_dashboard">Dashboard</string>
-    <string name="nav_add_account">Add Account</string>
+    <string name="nav_add_account">Add Login</string>
     <string name="nav_accounts">Accounts</string>
     <string name="nav_contacts">Contacts</string>
-    <string name="nav_activities">Activities</string>
-    <string name="nav_transfer_history">Transfer History</string>
+    <string name="nav_activities">Recent Transfers</string>
+    <string name="nav_transfer_history">Transaction History</string>
     <string name="nav_finances">Finances</string>
     <string name="nav_card_settings">Card Settings</string>
     <string name="nav_otp">OTP Codes</string>
@@ -92,14 +92,26 @@
 
     <!-- Dashboard -->
     <string name="dashboard_pending_finances">Pending Finances</string>
+    <string name="dashboard_quick_actions">Quick Actions</string>
     <string name="balance_mvr">MVR Total</string>
     <string name="balance_usd">USD Total</string>
     <string name="card_support_wip">Card Support</string>
     <string name="transfer">Transfer</string>
     <string name="pay_mv_qr">PayMV QR</string>
 
+    <!-- PayMV QR Generator -->
+    <string name="paymvqr_select_account">Select account</string>
+    <string name="paymvqr_amount_hint">Amount (optional)</string>
+    <string name="paymvqr_amount_helper">Leave empty to allow payer to enter any amount</string>
+    <string name="paymvqr_share">Share</string>
+    <string name="paymvqr_save_image">Save Image</string>
+    <string name="paymvqr_saved">QR saved to gallery</string>
+    <string name="paymvqr_save_failed">Failed to save image</string>
+
     <!-- Toolbar -->
     <string name="action_lock">Lock app</string>
+    <string name="action_hide_amounts">Hide sensitive information</string>
+    <string name="action_show_amounts">Show sensitive information</string>
     <string name="autolock_warning_title">Locking soon</string>
     <string name="autolock_warning_message">Locking in %d seconds</string>
     <string name="autolock_stay">Stay unlocked</string>
@@ -127,6 +139,8 @@
     <string name="lang_english">English</string>
     <string name="lang_dhivehi">ދިވެހި</string>
     <string name="settings_privacy">Privacy</string>
+    <string name="settings_hide_amounts">Hide sensitive information</string>
+    <string name="settings_hide_amounts_desc">Masks account balances and financial figures across the app</string>
     <string name="settings_block_screenshots">Block Screenshots</string>
     <string name="settings_block_screenshots_desc">Prevents the app from appearing in the recents screen and blocks screen capture</string>
     <string name="settings_cache">Cache</string>
@@ -136,6 +150,12 @@
     <string name="settings_nav_drawer">Drawer</string>
     <string name="settings_nav_bottom">Bottom Bar</string>
     <string name="settings_appearance">Appearance</string>
+    <string name="settings_bottom_bar_shortcuts">Bottom Bar Shortcuts</string>
+    <string name="settings_bottom_bar_show_labels">Always show bottom bar labels</string>
+    <string name="settings_bottom_bar_select">Choose button</string>
+    <string name="settings_bottom_bar_slot_1">Slot 1</string>
+    <string name="settings_bottom_bar_slot_2">Slot 2</string>
+    <string name="settings_bottom_bar_slot_3">Slot 3</string>
     <string name="settings_privacy_security">Privacy &amp; Security</string>
     <string name="settings_storage">Storage</string>
     <string name="settings_logins">Logins</string>
@@ -150,7 +170,15 @@
     <string name="login_detail_id_card">ID Card</string>
     <string name="login_detail_profiles">Profiles</string>
     <string name="close">Close</string>
+    <string name="save">Save</string>
     <string name="cancel">Cancel</string>
+    <string name="verify">Verify</string>
+
+    <!-- BML business OTP -->
+    <string name="bml_business_otp_title">Activate %s profile</string>
+    <string name="bml_business_otp_hint">%s OTP code</string>
+    <string name="bml_business_otp_sent">OTP sent via %s</string>
+    <string name="bml_business_otp_skip">Skip</string>
 
     <!-- Home -->
     <string name="transfer_same_account">This is your source account</string>

app/src/main/res/xml/file_paths.xml

@@ -1,4 +1,5 @@
 <?xml version="1.0" encoding="utf-8"?>
 <paths>
     <cache-path name="receipt_cache" path="receipts/" />
+    <cache-path name="qr_cache" path="qr/" />
 </paths>

docs/PARSERS.md

@@ -0,0 +1,85 @@
+# Account Display Parser Architecture
+
+## Overview
+
+Each bank's API returns account data in different formats and uses different field names for balances, product types, and status. To keep screens bank-agnostic, each bank has a dedicated parser that translates raw `MibAccount` model data into a standard `AccountListDisplay` object. Screens consume only `AccountListDisplay` — they never inspect `bank` or `profileType` or apply bank-specific logic.
+
+## Bank Discriminator — `MibAccount.bank`
+
+All dispatchers route by `account.bank`, a string set explicitly by each login flow at account creation time:
+
+| `bank` value | Set by            |
+|--------------|-------------------|
+| `"MIB"`      | `MibLoginFlow`    |
+| `"BML"`      | `BmlLoginFlow`    |
+| `"FAHIPAY"`  | `FahipayLoginFlow`|
+
+`profileType` is a bank-internal value (e.g. MIB's numeric profile ID, or BML's `"BML_PREPAID"`) and is **never** used for bank routing. Card-type checks within BML still use `profileType` (`"BML_PREPAID"` / `"BML_CREDIT"`).
+
+`cifType` (MIB only) is the human-readable profile category name returned by the `operatingProfiles` API (e.g. `"Individual"`, `"Sole Propr"`). It is stored on `MibAccount` and surfaced in the accounts list section header and settings. It is **never hardcoded** in the app.
+
+## Standard Output Model
+
+```kotlin
+// util/AccountListDisplay.kt
+data class AccountListDisplay(
+    val name: String,          // account or card display name
+    val number: String,        // account/card number
+    val typeLabel: String,     // human-friendly product type (e.g. "Savings", "Visa Platinum")
+    val balance: String,       // formatted balance string (e.g. "MVR 1,234.56")
+    val isCard: Boolean,       // true → use card layout; false → use account layout
+    val cardBrandIcon: Int,    // drawable res for card brand logo (Visa / Mastercard / Amex)
+    val statusLabel: String?   // null = active; non-null = shown as status label (e.g. "Inactive")
+)
+```
+
+## Dispatcher
+
+```kotlin
+// util/AccountListParser.kt
+AccountListParser.from(account: MibAccount): AccountListDisplay?
+```
+
+Routes to the correct parser based on `account.bank`. Returns `null` for unknown banks — never falls back to a specific bank.
+
+| `account.bank` | Parser                  |
+|----------------|-------------------------|
+| `"BML"`        | `BmlDashboardParser`    |
+| `"FAHIPAY"`    | `FahipayAccountParser`  |
+| `"MIB"`        | `MibAccountParser`      |
+| anything else  | `null`                  |
+
+## Bank Parsers
+
+### BML — `util/bmlapi/BmlDashboardParser`
+
+Handles both CASA accounts and prepaid/credit cards.
+
+- **CASA balance**: uses `ledgerBalance` (working balance) — mapped to `account.currentBalance`
+- **Card balance**: uses `availableBalance` (available limit from `cardBalance.AvailableLimit`)
+- **Card brand**: resolved from product name (`VISA` / `MASTERCARD` / `AMEX`)
+- **Status**: cards with `statusDesc != "Active"` surface `statusLabel`; active cards return `null`
+
+### MIB — `util/mibapi/MibAccountParser`
+
+- **Balance**: `availableBalance` from the MIB API directly
+- Known product names (`SAVING ACCOUNT`, `CURRENT ACCOUNT`) mapped to short labels
+- `cifType` (e.g. `"Individual"`, `"Sole Propr"`) comes from `MibProfile.cifType`, stored on `MibAccount`, displayed in section headers
+
+### Fahipay — `util/fahipayapi/FahipayAccountParser`
+
+- Single wallet account per user; `accountTypeName` is always `"Digital Wallet"`
+- **Balance**: `availableBalance`
+
+## Adding a New Bank
+
+1. Create `util/<bankname>api/<Bank>AccountParser.kt` with a `displayData(account: MibAccount): AccountListDisplay` function
+2. Set `bank = "<BANKNAME>"` in the new login flow when creating `MibAccount` objects
+3. Add a `when` branch in `AccountListParser.from()` (and other dispatchers) for the new bank value
+4. No changes needed in any screen or adapter
+
+## Usage in Screens
+
+`AccountsAdapter` calls `AccountListParser.from(account)` once per item (skipping `null` results) and binds the resulting `AccountListDisplay` directly. The adapter has zero bank-specific logic.
+
+The transfer screen dropdown (`TransferFragment`) also uses `AccountListParser.from(acc)?.balance` for the source account balance display.