Revert "fix bug that allowed to skip password setup during inital setup"

This reverts commit 1602d061c1.

.idea/deploymentTargetSelector.xml

@@ -3,11 +3,11 @@
   <component name="deploymentTargetSelector">
     <selectionStates>
       <SelectionState runConfigName="app">
-        <option name="selectionMode" value="DIALOG" />
+        <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-05-15T13:54:16.798188666Z">
+        <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
+        versionCode = 5
-        versionName = "1.0.3"
+        versionName = "1.0.6"
 
         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

@@ -4,9 +4,11 @@ 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
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibSession
@@ -15,35 +17,95 @@ import sh.sar.basedbank.util.CredentialStore
 class BasedBankApp : Application() {
 
     // Held in memory after successful login; cleared on logout
-    var accounts: List<MibAccount> = emptyList()
+    var accounts: List<BankAccount> = emptyList()
     var fullName: String = ""
-    var mibSession: MibSession? = null
-    var mibProfiles: List<MibProfile> = emptyList()
-    /** Active BML sessions keyed by loginId (= BML username). */
-    val bmlSessions: MutableMap<String, BmlSession> = mutableMapOf()
-    var bmlAccounts: List<MibAccount> = emptyList()
-    var fahipaySession: FahipaySession? = null
-    var fahipayAccounts: List<MibAccount> = emptyList()
 
-    /** Returns the BML session for the given account (matched via loginTag). */
+    /** Active MIB sessions keyed by loginId (= MIB username). */
-    fun bmlSessionFor(account: MibAccount): BmlSession? =
+    val mibSessions: MutableMap<String, MibSession> = mutableMapOf()
-        bmlSessions[account.loginTag.removePrefix("bml_")]
+    val mibProfilesMap: MutableMap<String, List<MibProfile>> = mutableMapOf()
+    val mibLoginFlows: MutableMap<String, MibLoginFlow> = mutableMapOf()
+    var mibAccounts: List<BankAccount> = 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<BankAccount> = emptyList()
+
+    /** Active Fahipay sessions keyed by loginId (= profileId). */
+    val fahipaySessions: MutableMap<String, FahipaySession> = mutableMapOf()
+    var fahipayAccounts: List<BankAccount> = emptyList()
+
+    // ─── MIB helpers ──────────────────────────────────────────────────────────
+
+    /** Returns the MIB session for the given account (matched via loginTag). */
+    fun mibSessionFor(account: BankAccount): 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: BankAccount): 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: BankAccount): 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/BmlAccountClient.kt

@@ -0,0 +1,169 @@
+package sh.sar.basedbank.api.bml
+
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankAccount
+
+data class BmlUserInfo(
+    val fullName: String,
+    val email: String,
+    val mobile: String,
+    val customerId: String,
+    val idCard: String,
+    val birthdate: String
+)
+
+class BmlAccountClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchAccounts(
+        session: BmlSession,
+        loginTag: String,
+        profileName: String = "Personal",
+        profileId: String = ""
+    ): List<BankAccount> {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/dashboard")).execute()
+        val code = resp.code
+        val json = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return parseDashboard(json ?: return emptyList(), loginTag, profileName, profileId)
+    }
+
+    fun fetchUserInfo(session: BmlSession): BmlUserInfo? {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/userinfo")).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val user = root.optJSONObject("payload")?.optJSONObject("user") ?: return null
+            BmlUserInfo(
+                fullName   = user.optString("fullname").trim(),
+                email      = user.optString("email").trim(),
+                mobile     = user.optString("mobile_phone").trim(),
+                customerId = user.optString("customer_number").trim(),
+                idCard     = user.optString("idcard").trim(),
+                birthdate  = user.optString("birthdate").trim()
+            )
+        } catch (_: Exception) { null }
+    }
+
+    fun fetchLoanDetail(session: BmlSession, internalId: String): BmlLoanDetail? {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/account/$internalId")).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val p = root.optJSONObject("payload") ?: return null
+            BmlLoanDetail(
+                loanAmount       = p.optDouble("loanAmount", 0.0),
+                outstandingAmt   = p.optDouble("outstandingAmt", 0.0),
+                repayAmount      = p.optDouble("repayAmount", 0.0),
+                intRate          = p.optDouble("intRate", 0.0),
+                loanStatus       = p.optString("loanStatus"),
+                startDate        = p.optString("startDate"),
+                endDate          = p.optString("endDate"),
+                noOfRepayOverdue = p.optInt("noOfRepayOverdue", 0),
+                overdueAmount    = p.optDouble("overdueAmount", 0.0)
+            )
+        } catch (_: Exception) { null }
+    }
+
+    private fun parseDashboard(
+        json: String,
+        loginTag: String,
+        profileName: String,
+        profileId: String
+    ): List<BankAccount> {
+        val root = JSONObject(json)
+        if (!root.optBoolean("success")) return emptyList()
+        val dashboard = root.optJSONObject("payload")?.optJSONArray("dashboard") ?: return emptyList()
+
+        val casaAccounts  = mutableListOf<BankAccount>()
+        val prepaidCards  = mutableListOf<BankAccount>()
+        val loanAccounts  = mutableListOf<BankAccount>()
+
+        for (i in 0 until dashboard.length()) {
+            val item        = dashboard.getJSONObject(i)
+            val currency    = item.optString("currency", "MVR")
+            val accountType = item.optString("account_type", "CASA")
+            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(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = "BML",
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias"),
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance   = "%.2f".format(item.optDouble("ledgerBalance", 0.0)),
+                    blockedAmount    = "%.2f".format(item.optDouble("lockedAmount", 0.0)),
+                    mvrBalance       = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            } else if (accountType == "Loan") {
+                val outstanding = Math.abs(item.optDouble("availableBalance", 0.0))
+                loanAccounts.add(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = "BML_LOAN",
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias"),
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(outstanding),
+                    currentBalance   = "%.2f".format(outstanding),
+                    blockedAmount    = "0.00",
+                    mvrBalance       = "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            } else if (accountType == "Card") {
+                val isVisible = item.optBoolean("account_visible", false)
+                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(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias").ifBlank { product },
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance   = "%.2f".format(current),
+                    blockedAmount    = "0.00",
+                    mvrBalance       = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            }
+        }
+
+        return casaAccounts + prepaidCards + loanAccounts
+    }
+}

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

@@ -0,0 +1,21 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import java.util.concurrent.TimeUnit
+
+internal const val BML_BASE_URL = "https://www.bankofmaldives.com.mv/internetbanking"
+internal const val BML_USER_AGENT = "bml-mobile-banking/348 (POCO; Android 14; 22101320I)"
+internal const val BML_APP_VERSION = "2.1.44.348"
+
+internal fun newBmlApiClient(): OkHttpClient = OkHttpClient.Builder()
+    .connectTimeout(30, TimeUnit.SECONDS)
+    .readTimeout(30, TimeUnit.SECONDS)
+    .build()
+
+internal fun bmlApiRequest(session: BmlSession, url: String): Request =
+    Request.Builder().url(url)
+        .header("Authorization", "Bearer ${session.accessToken}")
+        .header("User-Agent", BML_USER_AGENT)
+        .header("x-app-version", BML_APP_VERSION)
+        .build()

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

@@ -0,0 +1,95 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankContact
+
+class BmlContactsClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchContacts(session: BmlSession, loginId: String): List<BankContact> {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/contacts")).execute()
+        val json = resp.body?.string() ?: return emptyList()
+        resp.close()
+        return parseContacts(json, loginId)
+    }
+
+    fun saveContact(
+        session: BmlSession,
+        contactType: String,
+        account: String,
+        alias: String,
+        currency: String? = null,
+        name: String? = null,
+        swift: String? = null
+    ): Boolean {
+        val bodyObj = JSONObject().apply {
+            put("contact_type", contactType)
+            put("account", account)
+            put("alias", alias)
+            if (currency != null) put("currency", currency)
+            if (name != null) put("name", name)
+            if (swift != null) put("swift", swift)
+        }
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/contacts")
+                .post(bodyObj.toString().toRequestBody("application/json".toMediaType()))
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return false
+        resp.close()
+        return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
+    }
+
+    fun deleteContact(session: BmlSession, contactId: String): Boolean {
+        val body = """{"_method":"delete"}""".toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/contacts/$contactId")
+                .post(body)
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("accept", "application/json")
+                .build()
+        ).execute()
+        val bodyStr = resp.body?.string() ?: return false
+        resp.close()
+        return try { JSONObject(bodyStr).optBoolean("success") } catch (_: Exception) { false }
+    }
+
+    private fun parseContacts(json: String, loginId: String): List<BankContact> {
+        val root = JSONObject(json)
+        if (!root.optBoolean("success")) return emptyList()
+        val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
+        val result = mutableListOf<BankContact>()
+        for (i in 0 until payload.length()) {
+            val item = payload.getJSONObject(i)
+            val account = item.optString("account", "")
+            if (account.isBlank()) continue
+            result.add(BankContact(
+                benefNo         = "bml_${item.optInt("id")}",
+                benefName       = item.optString("name"),
+                benefNickName   = item.optString("alias", item.optString("name")),
+                benefAccount    = account,
+                benefType       = "I",
+                bankColor       = "#0066A1",
+                benefBankName   = "Bank of Maldives",
+                bankCode        = "",
+                benefStatus     = item.optString("status", "S"),
+                transferCyDesc  = item.optString("currency", "MVR"),
+                customerImgHash = null,
+                benefCategoryId = "BML",
+                profileId       = loginId
+            ))
+        }
+        return result
+    }
+}

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

@@ -0,0 +1,64 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class BmlForeignLimitsClient {
+
+    // Foreign limits use a different host than the main BML API
+    private val BASE_URL = "https://app.bankofmaldives.com.mv/api/v2"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/foreign-limits")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return parseForeignLimits(json ?: return emptyList())
+    }
+
+    private fun parseForeignLimits(json: String): List<BmlForeignLimit> {
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return emptyList()
+            val payload = root.optJSONArray("payload") ?: return emptyList()
+            (0 until payload.length()).map { i ->
+                val item  = payload.getJSONObject(i)
+                val usage = item.optJSONObject("usageByCategory") ?: JSONObject()
+                val atm   = usage.optJSONObject("ATM")  ?: JSONObject()
+                val ecom  = usage.optJSONObject("ECOM") ?: JSONObject()
+                val pos   = usage.optJSONObject("POS")  ?: JSONObject()
+                BmlForeignLimit(
+                    type             = item.optString("type", "Debit"),
+                    used             = item.optDouble("used", 0.0),
+                    totalLimit       = item.optDouble("totalLimit", 0.0),
+                    generalCap       = item.optDouble("generalCap", 0.0),
+                    generalRemaining = item.optDouble("generalRemaining", 0.0),
+                    medicalRemaining = item.optDouble("medicalRemaining", 0.0),
+                    isAtmEnabled     = item.optBoolean("isAtmEnabled", false),
+                    isPosEnabled     = item.optBoolean("isPosEnabled", false),
+                    atmRemaining     = atm.optDouble("remaining", 0.0),
+                    atmLimit         = atm.optDouble("limit", 0.0),
+                    ecomRemaining    = ecom.optDouble("remaining", 0.0),
+                    ecomLimit        = ecom.optDouble("limit", 0.0),
+                    posRemaining     = pos.optDouble("remaining", 0.0),
+                    posLimit         = pos.optDouble("limit", 0.0)
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+}

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

@@ -0,0 +1,174 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankTransaction
+import java.text.SimpleDateFormat
+import java.util.Locale
+
+class BmlHistoryClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchAccountHistory(
+        session: BmlSession,
+        accountId: String,
+        accountDisplayName: String,
+        accountNumber: String,
+        page: Int
+    ): Pair<List<BankTransaction>, Int> {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/account/$accountId/history/$page")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return Pair(emptyList(), 0)
+            val payload = root.optJSONObject("payload") ?: return Pair(emptyList(), 0)
+            val totalPages = payload.optInt("totalPages", 0)
+            val history = payload.optJSONArray("history") ?: return Pair(emptyList(), totalPages)
+            val transactions = (0 until history.length()).map { i ->
+                val item = history.getJSONObject(i)
+                val desc = item.optString("description").trim()
+                val narrative1 = item.optString("narrative1")
+                val date = when (desc) {
+                    "Purchase" -> parsePurchaseNarrative1(narrative1) ?: item.optString("bookingDate")
+                    "Transfer Debit", "Transfer Credit" -> parseTransferNarrative1(narrative1) ?: item.optString("bookingDate")
+                    else -> item.optString("bookingDate")
+                }
+                BankTransaction(
+                    id                 = item.optString("id"),
+                    date               = date,
+                    description        = desc,
+                    amount             = item.optDouble("amount", 0.0),
+                    currency           = item.optString("currency"),
+                    counterpartyName   = item.optString("narrative2").takeIf { it.isNotBlank() },
+                    reference          = item.optString("reference").takeIf { it.isNotBlank() },
+                    accountNumber      = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source             = "BML"
+                )
+            }
+            Pair(transactions, totalPages)
+        } catch (_: Exception) { Pair(emptyList(), 0) }
+    }
+
+    fun fetchCardHistory(
+        session: BmlSession,
+        cardId: String,
+        accountDisplayName: String,
+        accountNumber: String,
+        month: String
+    ): List<BankTransaction> {
+        val body = """{"card":"$cardId","month":"$month"}"""
+            .toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/card/statement").post(body)
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return emptyList()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return emptyList()
+            val payload = root.optJSONObject("payload") ?: return emptyList()
+            val result = mutableListOf<BankTransaction>()
+
+            val authDetails = payload.optJSONObject("outstanding")
+                ?.optJSONArray("CardOutStdAuthDetails")
+            if (authDetails != null) {
+                for (i in 0 until authDetails.length()) {
+                    val item = authDetails.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "auth_${item.optString("TranApprCode")}_$i",
+                        date               = item.optString("DateTime"),
+                        description        = item.optString("TranDesc").trim(),
+                        amount             = item.optDouble("BillingAmount", 0.0),
+                        currency           = item.optString("BillingCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+
+            val unbilled = payload.optJSONObject("unbilled")
+                ?.optJSONArray("CardUnbillTxnDetails")
+            if (unbilled != null) {
+                for (i in 0 until unbilled.length()) {
+                    val item = unbilled.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "unbilled_${item.optString("TranApprCode")}_$i",
+                        date               = item.optString("DateTime"),
+                        description        = item.optString("TranDesc").trim(),
+                        amount             = item.optDouble("BillingAmount", 0.0),
+                        currency           = item.optString("BillingCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+
+            val statement = payload.optJSONArray("cardstatement")
+            if (statement != null) {
+                for (i in 0 until statement.length()) {
+                    val item = statement.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "stmt_${item.optString("TranRef", i.toString())}",
+                        date               = item.optString("TransDate", item.optString("TranDate", "")),
+                        description        = item.optString("TranDesc", item.optString("Description", "")).trim(),
+                        amount             = -item.optDouble("TranAmount", 0.0),
+                        currency           = item.optString("TranCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranRef").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+            result
+        } catch (_: Exception) { emptyList() }
+    }
+
+    // "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/BmlLoginFlow.kt

@@ -7,19 +7,15 @@ import okhttp3.FormBody
 import okhttp3.HttpUrl
 import okhttp3.OkHttpClient
 import okhttp3.Request
-import okhttp3.RequestBody.Companion.toRequestBody
 import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.RequestBody.Companion.toRequestBody
 import org.json.JSONArray
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.Transaction
 import sh.sar.basedbank.util.Totp
 import java.security.MessageDigest
 import java.security.SecureRandom
-import java.text.SimpleDateFormat
 import java.util.Base64
-import java.util.Locale
 import java.util.concurrent.TimeUnit
 
 class AuthExpiredException : Exception("Session expired")
@@ -29,9 +25,9 @@ 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_USER_AGENT = "bml-mobile-banking/348 (POCO; Android 14; 22101320I)"
-    private val APP_VERSION = "2.1.43.345"
+    private val APP_VERSION = "2.1.44.348"
-    private val WEB_USER_AGENT = "Mozilla/5.0 (X11; Linux x86_64; rv:150.0) Gecko/20100101 Firefox/150.0"
+    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 {
@@ -53,14 +49,27 @@ class BmlLoginFlow {
         .readTimeout(30, TimeUnit.SECONDS)
         .build()
 
-    private val apiClient = OkHttpClient.Builder()
+    /** PKCE params — generated once per login and reused across all profile activations. */
-        .connectTimeout(30, TimeUnit.SECONDS)
+    private var codeVerifier: String = ""
-        .readTimeout(30, TimeUnit.SECONDS)
+    private var codeChallenge: String = ""
-        .build()
+    private var deviceId: String = ""
 
-    /** Full login: returns a BmlSession and the account list. */
+    /** Profiles returned by the last successful [login] call. */
-    fun login(username: String, password: String, otpSeed: String): Pair<BmlSession, List<MibAccount>> {
+    var lastProfiles: List<BmlProfile> = emptyList()
-        // Step 1: GET login page — seeds XSRF-TOKEN + blaze_session cookies
+        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 +91,14 @@ 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 +112,161 @@ 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)
+        // Step 5: GET /web/profile — multi-profile accounts return a 200 with a profile picker;
-        client.newCall(
+        // 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 $respCode)")
+    }
+
+    /**
+     * Verifies the OTP and activates the business profile.
+     * Returns a new [BmlSession] and accounts on success.
+     * @throws Exception if the OTP is invalid (retry is allowed).
+     */
+    fun submitBusinessOtp(
+        channel: String,
+        code: String,
+        profile: BmlProfile,
+        loginTag: String
+    ): Pair<BmlSession, List<BankAccount>> {
+        // Refresh XSRF token before submitting
+        client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business")
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute().close()
 
-        // Step 6: PKCE OAuth authorize → extract auth code
+        val xsrf = xsrfToken() ?: throw Exception("Session expired — please log in again")
-        val codeVerifier = generateCodeVerifier()
+        val body = JSONObject().apply {
-        val codeChallenge = generateCodeChallenge(codeVerifier)
+            put("code", code)
-        val deviceId = generateDeviceId()
+            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<BankAccount>> {
         val authorizeUrl = HttpUrl.Builder()
             .scheme("https").host("www.bankofmaldives.com.mv")
             .addPathSegments("internetbanking/oauth/authorize")
@@ -135,14 +286,12 @@ 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")
+        val authCode = location?.let { Uri.parse(it).getQueryParameter("code") }
-            ?: throw Exception("OAuth authorize did not redirect")
+            ?: throw Exception("OAuth authorize did not return auth code")
-        val authCode = Uri.parse(location).getQueryParameter("code")
-            ?: throw Exception("No auth code in OAuth redirect")
 
-        // Step 7: Exchange auth code for access token
         val tokenBody = FormBody.Builder()
             .add("Device-ID", deviceId)
             .add("code", authCode)
@@ -161,566 +310,64 @@ class BmlLoginFlow {
         val tokenJson = tokenResp.body?.string() ?: throw Exception("Empty token response")
         tokenResp.close()
 
-        val tokenObj = JSONObject(tokenJson)
+        val accessToken = JSONObject(tokenJson).optString("access_token")
-        val accessToken = tokenObj.optString("access_token")
             .takeIf { it.isNotBlank() } ?: throw Exception("Token exchange failed")
 
         val session = BmlSession(accessToken = accessToken, deviceId = deviceId)
-        val accounts = fetchAccounts(session, "bml_$username")
+        val accounts = BmlAccountClient().fetchAccounts(session, loginTag, profileName, profileId)
         return Pair(session, accounts)
     }
-
+    // ─── Parsing ──────────────────────────────────────────────────────────────
-    fun fetchAccounts(session: BmlSession, loginTag: String): List<MibAccount> {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/dashboard")).execute()
-        val code = resp.code
-        val json = resp.body?.string()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseDashboard(json ?: return emptyList(), loginTag)
-    }
-
-    fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
-        val resp = apiClient.newCall(
-            Request.Builder().url("https://app.bankofmaldives.com.mv/api/v2/foreign-limits")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val code = resp.code
-        val json = resp.body?.string()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseForeignLimits(json ?: return emptyList())
-    }
-
-    data class BmlUserInfo(
-        val fullName: String,
-        val email: String,
-        val mobile: String,
-        val customerId: String,
-        val idCard: String,
-        val birthdate: String
-    )
-
-    fun fetchUserInfo(session: BmlSession): BmlUserInfo? {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/userinfo")).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            val user = root.optJSONObject("payload")?.optJSONObject("user") ?: return null
-            BmlUserInfo(
-                fullName = user.optString("fullname").trim(),
-                email = user.optString("email").trim(),
-                mobile = user.optString("mobile_phone").trim(),
-                customerId = user.optString("customer_number").trim(),
-                idCard = user.optString("idcard").trim(),
-                birthdate = user.optString("birthdate").trim()
-            )
-        } catch (_: Exception) { null }
-    }
-
-    fun validateAccount(session: BmlSession, input: String): BmlAccountValidation? {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/validate/account/$input")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            val payload = root.optJSONObject("payload") ?: return null
-            val trnType = payload.optString("trnType", "")
-            val validationType = payload.optString("validationType", "")
-            if (validationType == "alias") {
-                val cdtrAcct = payload.optJSONObject("CdtrAcct") ?: return null
-                BmlAccountValidation(
-                    trnType = trnType,
-                    validationType = validationType,
-                    account = cdtrAcct.optString("Acct"),
-                    originalInput = input,
-                    name = payload.optString("contact_name").trim(),
-                    alias = null,
-                    currency = payload.optString("currency", "MVR"),
-                    agnt = cdtrAcct.optString("FinInstnId").takeIf { it.isNotBlank() }
-                )
-            } else {
-                BmlAccountValidation(
-                    trnType = trnType,
-                    validationType = validationType,
-                    account = payload.optString("account"),
-                    originalInput = input,
-                    name = payload.optString("name"),
-                    alias = payload.optString("alias").takeIf { it.isNotBlank() && it != "null" },
-                    currency = payload.optString("currency", "MVR")
-                )
-            }
-        } catch (_: Exception) { null }
-    }
-
-    fun verifyMibAccount(session: BmlSession, account: String): BmlAccountValidation? {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/favara/account-verification/$account/MIB")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            BmlAccountValidation(
-                trnType = "DOT",
-                validationType = "MIB",
-                account = root.optString("account"),
-                originalInput = account,
-                name = root.optString("name"),
-                alias = null,
-                currency = "MVR",
-                agnt = root.optString("agnt").takeIf { it.isNotBlank() }
-            )
-        } catch (_: Exception) { null }
-    }
-
-    fun saveContact(
-        session: BmlSession,
-        contactType: String,
-        account: String,
-        alias: String,
-        currency: String? = null,
-        name: String? = null,
-        swift: String? = null
-    ): Boolean {
-        val bodyObj = JSONObject().apply {
-            put("contact_type", contactType)
-            put("account", account)
-            put("alias", alias)
-            if (currency != null) put("currency", currency)
-            if (name != null) put("name", name)
-            if (swift != null) put("swift", swift)
-        }
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/contacts")
-                .post(bodyObj.toString().toRequestBody("application/json".toMediaType()))
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return false
-        resp.close()
-        return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
-    }
-
-    fun fetchContacts(session: BmlSession, loginId: String): List<MibBeneficiary> {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/contacts")).execute()
-        val json = resp.body?.string() ?: return emptyList()
-        resp.close()
-        return parseContacts(json, loginId)
-    }
 
     /**
-     * Step 1 of BML transfer: POST without OTP. Returns true if server responds code=22 (OTP ready).
+     * 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.
      */
-    fun initiateTransfer(
+    private fun extractInertiaJson(html: String): String? {
-        session: BmlSession,
+        val match = Regex("""data-page="([^"]+)"""").find(html) ?: return null
-        debitAccount: String,
+        return match.groupValues[1]
-        creditAccount: String,
+            .replace("&quot;", "\"")
-        amount: Double,
+            .replace("&amp;", "&")
-        transferType: String,
+            .replace("&#39;", "'")
-        currency: String,
+            .replace("&lt;", "<")
-        bank: String? = null
+            .replace("&gt;", ">")
-    ): Boolean {
-        val jo = JSONObject().apply {
-            put("debitAccount", debitAccount)
-            put("creditAccount", creditAccount)
-            put("debitAmount", amount)
-            put("transfertype", transferType)
-            put("currency", currency)
-            put("channel", "token")
-            if (bank != null) put("bank", bank)
-        }
-        val body = jo.toString().toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/transfer")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
-            .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string() ?: return@use false
-            try {
-                val json = JSONObject(bodyStr)
-                json.optBoolean("success") && json.optInt("code") == 22
-            } catch (_: Exception) { false }
-        }
     }
 
-    /**
+    private fun parseProfiles(html: String): List<BmlProfile> {
-     * Step 2 of BML transfer: POST with OTP + remarks. Returns BmlTransferResult.
-     */
-    fun confirmTransfer(
-        session: BmlSession,
-        debitAccount: String,
-        creditAccount: String,
-        amount: Double,
-        transferType: String,
-        currency: String,
-        otp: String,
-        remarks: String = "",
-        bank: String? = null
-    ): BmlTransferResult {
-        val jo = JSONObject().apply {
-            put("debitAccount", debitAccount)
-            put("creditAccount", creditAccount)
-            put("debitAmount", amount)
-            put("transfertype", transferType)
-            put("currency", currency)
-            put("channel", "token")
-            put("otp", otp)
-            if (remarks.isNotBlank()) put("remarks", remarks)
-            if (bank != null) put("bank", bank)
-        }
-        val body = jo.toString().toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/transfer")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
-            .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string()
-                ?: return@use BmlTransferResult(false, errorMessage = "No response")
-            try {
-                val json = JSONObject(bodyStr)
-                if (!json.optBoolean("success")) {
-                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
-                } else {
-                    val payload = json.optJSONObject("payload")
-                    BmlTransferResult(
-                        success = true,
-                        reference = payload?.optString("reference") ?: "",
-                        timestamp = payload?.optString("timestamp") ?: "",
-                        message = json.optString("message")
-                    )
-                }
-            } catch (_: Exception) { BmlTransferResult(false, errorMessage = "Parse error") }
-        }
-    }
-
-    fun deleteContact(session: BmlSession, contactId: String): Boolean {
-        val body = """{"_method":"delete"}""".toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/contacts/$contactId")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
-            .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string() ?: return@use false
-            try { JSONObject(bodyStr).optBoolean("success") } catch (_: Exception) { false }
-        }
-    }
-
-    // "12-05-2026 041675" → first 4 digits of time part as HH:mm
-    private fun parsePurchaseNarrative1(narrative1: String): String? {
-        return try {
-            val parts = narrative1.split(" ")
-            if (parts.size < 2) null
-            else {
-                val timePart = parts[1].take(4)
-                val combined = "${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,
-        accountDisplayName: String,
-        accountNumber: String,
-        page: Int
-    ): Pair<List<Transaction>, Int> {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/account/$accountId/history/$page")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .build()
-        ).execute()
-        val code = resp.code
-        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
         return try {
+            val json = extractInertiaJson(html) ?: html
             val root = JSONObject(json)
-            if (!root.optBoolean("success")) return Pair(emptyList(), 0)
+            val props = root.optJSONObject("props") ?: return emptyList()
-            val payload = root.optJSONObject("payload") ?: return Pair(emptyList(), 0)
+            val profiles = props.optJSONArray("profiles") ?: return emptyList()
-            val totalPages = payload.optInt("totalPages", 0)
+            (0 until profiles.length()).mapNotNull { i ->
-            val history = payload.optJSONArray("history") ?: return Pair(emptyList(), totalPages)
+                val p = profiles.getJSONObject(i)
-            val transactions = (0 until history.length()).map { i ->
+                val profileObj = p.optJSONObject("profile") ?: return@mapNotNull null
-                val item = history.getJSONObject(i)
+                BmlProfile(
-                val desc = item.optString("description").trim()
+                    profileId = p.optString("profile_id"),
-                val narrative1 = item.optString("narrative1")
+                    name = p.optString("name"),
-                val date = when (desc) {
+                    type = p.optString("type"),
-                    "Purchase" -> parsePurchaseNarrative1(narrative1) ?: item.optString("bookingDate")
+                    profileType = profileObj.optString("profile_type", "default")
-                    "Transfer Debit", "Transfer Credit" -> parseTransferNarrative1(narrative1) ?: item.optString("bookingDate")
-                    else -> item.optString("bookingDate")
-                }
-                Transaction(
-                    id = item.optString("id"),
-                    date = date,
-                    description = desc,
-                    amount = item.optDouble("amount", 0.0),
-                    currency = item.optString("currency"),
-                    counterpartyName = item.optString("narrative2").takeIf { it.isNotBlank() },
-                    reference = item.optString("reference").takeIf { it.isNotBlank() },
-                    accountNumber = accountNumber,
-                    accountDisplayName = accountDisplayName,
-                    source = "BML"
-                )
-            }
-            Pair(transactions, totalPages)
-        } 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,
-        accountDisplayName: String,
-        accountNumber: String,
-        month: String
-    ): List<Transaction> {
-        val body = """{"card":"$cardId","month":"$month"}"""
-            .toRequestBody("application/json".toMediaType())
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/card/statement").post(body)
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .build()
-        ).execute()
-        val code = resp.code
-        val json = resp.body?.string() ?: return emptyList()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return emptyList()
-            val payload = root.optJSONObject("payload") ?: return emptyList()
-            val result = mutableListOf<Transaction>()
-
-            // Outstanding authorizations
-            val authDetails = payload.optJSONObject("outstanding")
-                ?.optJSONArray("CardOutStdAuthDetails")
-            if (authDetails != null) {
-                for (i in 0 until authDetails.length()) {
-                    val item = authDetails.getJSONObject(i)
-                    result.add(Transaction(
-                        id = "auth_${item.optString("TranApprCode")}_$i",
-                        date = item.optString("DateTime"),
-                        description = item.optString("TranDesc").trim(),
-                        amount = item.optDouble("BillingAmount", 0.0),
-                        currency = item.optString("BillingCcy", "MVR"),
-                        counterpartyName = null,
-                        reference = item.optString("TranApprCode").takeIf { it.isNotBlank() },
-                        accountNumber = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source = "BML_CARD"
-                    ))
-                }
-            }
-
-            // Settled statement entries
-            val statement = payload.optJSONArray("cardstatement")
-            if (statement != null) {
-                for (i in 0 until statement.length()) {
-                    val item = statement.getJSONObject(i)
-                    result.add(Transaction(
-                        id = "stmt_${item.optString("TranRef", i.toString())}",
-                        date = item.optString("TransDate", item.optString("TranDate", "")),
-                        description = item.optString("TranDesc", item.optString("Description", "")).trim(),
-                        amount = -item.optDouble("TranAmount", 0.0),
-                        currency = item.optString("TranCcy", "MVR"),
-                        counterpartyName = null,
-                        reference = item.optString("TranRef").takeIf { it.isNotBlank() },
-                        accountNumber = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source = "BML_CARD"
-                    ))
-                }
-            }
-            result
-        } 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()
-
-    private fun parseDashboard(json: String, loginTag: String): List<MibAccount> {
-        val root = JSONObject(json)
-        if (!root.optBoolean("success")) return emptyList()
-        val dashboard = root.optJSONObject("payload")?.optJSONArray("dashboard") ?: return emptyList()
-
-        val casaAccounts = mutableListOf<MibAccount>()
-        val prepaidCards = mutableListOf<MibAccount>()
-
-        for (i in 0 until dashboard.length()) {
-            val item = dashboard.getJSONObject(i)
-            val currency = item.optString("currency", "MVR")
-            val accountType = item.optString("account_type", "CASA")
-            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",
-                    profileType = "BML",
-                    accountNumber = accountNumber,
-                    accountBriefName = item.optString("alias"),
-                    currencyName = currency,
-                    accountTypeName = product,
-                    availableBalance = "%.2f".format(available),
-                    currentBalance = "%.2f".format(item.optDouble("ledgerBalance", 0.0)),
-                    blockedAmount = "%.2f".format(item.optDouble("lockedAmount", 0.0)),
-                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                    statusDesc = status,
-                    profileImageHash = null,
-                    loginTag = loginTag,
-                    internalId = internalId
-                ))
-            } else if (accountType == "Card") {
-                val isVisible = item.optBoolean("account_visible", false)
-                if (!isVisible) continue   // debit cards and other hidden cards — skip
-                val isPrepaid = item.optBoolean("prepaid_card", false)
-                val cardBalance = item.optJSONObject("cardBalance")
-                val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
-                val current   = cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0
-                prepaidCards.add(MibAccount(
-                    profileName = "Personal",
-                    profileType = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
-                    accountNumber = accountNumber,
-                    accountBriefName = item.optString("alias").ifBlank { product },
-                    currencyName = currency,
-                    accountTypeName = product,
-                    availableBalance = "%.2f".format(available),
-                    currentBalance = "%.2f".format(current),
-                    blockedAmount = "0.00",
-                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                    statusDesc = status,
-                    profileImageHash = null,
-                    loginTag = loginTag,
-                    internalId = internalId
-                ))
-            }
-        }
-
-        return casaAccounts + prepaidCards
-    }
-
-    private fun parseForeignLimits(json: String): List<BmlForeignLimit> {
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return emptyList()
-            val payload = root.optJSONArray("payload") ?: return emptyList()
-            (0 until payload.length()).map { i ->
-                val item = payload.getJSONObject(i)
-                val usage = item.optJSONObject("usageByCategory") ?: JSONObject()
-                val atm  = usage.optJSONObject("ATM")  ?: JSONObject()
-                val ecom = usage.optJSONObject("ECOM") ?: JSONObject()
-                val pos  = usage.optJSONObject("POS")  ?: JSONObject()
-                BmlForeignLimit(
-                    type             = item.optString("type", "Debit"),
-                    used             = item.optDouble("used", 0.0),
-                    totalLimit       = item.optDouble("totalLimit", 0.0),
-                    generalCap       = item.optDouble("generalCap", 0.0),
-                    generalRemaining = item.optDouble("generalRemaining", 0.0),
-                    medicalRemaining = item.optDouble("medicalRemaining", 0.0),
-                    isAtmEnabled     = item.optBoolean("isAtmEnabled", false),
-                    isPosEnabled     = item.optBoolean("isPosEnabled", false),
-                    atmRemaining     = atm.optDouble("remaining", 0.0),
-                    atmLimit         = atm.optDouble("limit", 0.0),
-                    ecomRemaining    = ecom.optDouble("remaining", 0.0),
-                    ecomLimit        = ecom.optDouble("limit", 0.0),
-                    posRemaining     = pos.optDouble("remaining", 0.0),
-                    posLimit         = pos.optDouble("limit", 0.0)
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
-    private fun parseContacts(json: String, loginId: String = ""): List<MibBeneficiary> {
+    private fun parseBusinessOtpChannels(html: String): List<BmlOtpChannel> {
-        val root = JSONObject(json)
+        return try {
-        if (!root.optBoolean("success")) return emptyList()
+            val json = extractInertiaJson(html) ?: html
-        val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
+            val root = JSONObject(json)
-        val result = mutableListOf<MibBeneficiary>()
+            val props = root.optJSONObject("props") ?: return emptyList()
-        for (i in 0 until payload.length()) {
+            val channels = props.optJSONArray("channels") ?: return emptyList()
-            val item = payload.getJSONObject(i)
+            (0 until channels.length()).map { i ->
-            val account = item.optString("account", "")
+                val c = channels.getJSONObject(i)
-            if (account.isBlank()) continue
+                BmlOtpChannel(
-            result.add(MibBeneficiary(
+                    channel = c.optString("channel"),
-                benefNo = "bml_${item.optInt("id")}",
+                    description = c.optString("description"),
-                benefName = item.optString("name"),
+                    masked = c.optString("masked")
-                benefNickName = item.optString("alias", item.optString("name")),
+                )
-                benefAccount = account,
+            }
-                benefType = "I",
+        } catch (_: Exception) { emptyList() }
-                bankColor = "#0066A1",
-                benefBankName = "Bank of Maldives",
-                bankCode = "",
-                benefStatus = item.optString("status", "S"),
-                transferCyDesc = item.optString("currency", "MVR"),
-                customerImgHash = null,
-                benefCategoryId = "BML",
-                profileId = loginId
-            ))
-        }
-        return result
     }
-
     private fun xsrfToken(): String? =
         cookieStore["www.bankofmaldives.com.mv"]?.firstOrNull { it.name == "XSRF-TOKEN" }?.value
 
@@ -746,4 +393,5 @@ class BmlLoginFlow {
         SecureRandom().nextBytes(bytes)
         return bytes.joinToString("") { "%02x".format(it) }
     }
+
 }

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.models.BankAccount
+
 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<BankAccount>
+    ) : BmlActivationResult()
+    data class NeedsBusinessOtp(
+        val channels: List<BmlOtpChannel>
+    ) : BmlActivationResult()
+}
+
 data class BmlAccountValidation(
     val trnType: String,         // IAT, QTR, DOT
     val validationType: String,  // BML, alias, MIB
@@ -24,6 +50,18 @@ data class BmlTransferResult(
     val errorMessage: String = ""
 )
 
+data class BmlLoanDetail(
+    val loanAmount: Double,
+    val outstandingAmt: Double,     // negative as returned by API
+    val repayAmount: Double,
+    val intRate: Double,
+    val loanStatus: String,
+    val startDate: String,          // ISO8601 e.g. "2023-10-26T00:00:00+05:00"
+    val endDate: String,
+    val noOfRepayOverdue: Int,
+    val overdueAmount: Double
+)
+
 data class BmlForeignLimit(
     val type: String,
     val used: Double,

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

@@ -0,0 +1,98 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+
+class BmlTransferClient {
+
+    private val client = newBmlApiClient()
+
+    /** Step 1: initiate the transfer (triggers OTP). Returns true if the server accepted it. */
+    fun initiateTransfer(
+        session: BmlSession,
+        debitAccount: String,
+        creditAccount: String,
+        amount: Double,
+        transferType: String,
+        currency: String,
+        bank: String? = null
+    ): Boolean {
+        val jo = JSONObject().apply {
+            put("debitAccount", debitAccount)
+            put("creditAccount", creditAccount)
+            put("debitAmount", amount)
+            put("transfertype", transferType)
+            put("currency", currency)
+            put("channel", "token")
+            if (bank != null) put("bank", bank)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/transfer")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string() ?: return@use false
+            try {
+                val json = JSONObject(bodyStr)
+                json.optBoolean("success") && json.optInt("code") == 22
+            } catch (_: Exception) { false }
+        }
+    }
+
+    /** Step 2: confirm with OTP. Returns a [BmlTransferResult] with success/reference/error. */
+    fun confirmTransfer(
+        session: BmlSession,
+        debitAccount: String,
+        creditAccount: String,
+        amount: Double,
+        transferType: String,
+        currency: String,
+        otp: String,
+        remarks: String = "",
+        bank: String? = null
+    ): BmlTransferResult {
+        val jo = JSONObject().apply {
+            put("debitAccount", debitAccount)
+            put("creditAccount", creditAccount)
+            put("debitAmount", amount)
+            put("transfertype", transferType)
+            put("currency", currency)
+            put("channel", "token")
+            put("otp", otp)
+            if (remarks.isNotBlank()) put("remarks", remarks)
+            if (bank != null) put("bank", bank)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/transfer")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string()
+                ?: return@use BmlTransferResult(false, errorMessage = "No response")
+            try {
+                val json = JSONObject(bodyStr)
+                if (!json.optBoolean("success")) {
+                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
+                } else {
+                    val payload = json.optJSONObject("payload")
+                    BmlTransferResult(
+                        success   = true,
+                        reference = payload?.optString("reference") ?: "",
+                        timestamp = payload?.optString("timestamp") ?: "",
+                        message   = json.optString("message")
+                    )
+                }
+            } catch (_: Exception) { BmlTransferResult(false, errorMessage = "Parse error") }
+        }
+    }
+}

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

@@ -0,0 +1,79 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.Request
+import org.json.JSONObject
+
+class BmlValidateClient {
+
+    private val client = newBmlApiClient()
+
+    fun validateAccount(session: BmlSession, input: String): BmlAccountValidation? {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/validate/account/$input")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val payload = root.optJSONObject("payload") ?: return null
+            val trnType = payload.optString("trnType", "")
+            val validationType = payload.optString("validationType", "")
+            if (validationType == "alias") {
+                val cdtrAcct = payload.optJSONObject("CdtrAcct") ?: return null
+                BmlAccountValidation(
+                    trnType        = trnType,
+                    validationType = validationType,
+                    account        = cdtrAcct.optString("Acct"),
+                    originalInput  = input,
+                    name           = payload.optString("contact_name").trim(),
+                    alias          = null,
+                    currency       = payload.optString("currency", "MVR"),
+                    agnt           = cdtrAcct.optString("FinInstnId").takeIf { it.isNotBlank() }
+                )
+            } else {
+                BmlAccountValidation(
+                    trnType        = trnType,
+                    validationType = validationType,
+                    account        = payload.optString("account"),
+                    originalInput  = input,
+                    name           = payload.optString("name"),
+                    alias          = payload.optString("alias").takeIf { it.isNotBlank() && it != "null" },
+                    currency       = payload.optString("currency", "MVR")
+                )
+            }
+        } catch (_: Exception) { null }
+    }
+
+    fun verifyMibAccount(session: BmlSession, account: String): BmlAccountValidation? {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/favara/account-verification/$account/MIB")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            BmlAccountValidation(
+                trnType        = "DOT",
+                validationType = "MIB",
+                account        = root.optString("account"),
+                originalInput  = account,
+                name           = root.optString("name"),
+                alias          = null,
+                currency       = "MVR",
+                agnt           = root.optString("agnt").takeIf { it.isNotBlank() }
+            )
+        } catch (_: Exception) { null }
+    }
+}

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

@@ -0,0 +1,76 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankAccount
+import java.util.concurrent.TimeUnit
+
+class FahipayAccountClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    private fun Request.Builder.auth(session: FahipaySession): Request.Builder = this
+        .header("authid", session.authId)
+        .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+        .header("content-type", "multipart/form-data")
+        .header("User-Agent", UA)
+
+    fun fetchProfile(session: FahipaySession): FahipayUserProfile {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getprofile/?lang=en")
+                .auth(session).build()
+        ).execute()
+        val json = resp.body?.string() ?: throw Exception("Empty profile response")
+        resp.close()
+        val obj = JSONObject(json)
+        val props = obj.optJSONObject("props") ?: JSONObject()
+        return FahipayUserProfile(
+            fullName = obj.optString("fullname").trim(),
+            email = obj.optString("email").trim(),
+            mobile = obj.optString("mobile").trim(),
+            nid = obj.optString("nid").trim(),
+            profileId = obj.optString("profileID").trim(),
+            walletAccount = props.optString("acc", ""),
+            linkedAccounts = props.optJSONObject("accs")?.toString() ?: "{}"
+        )
+    }
+
+    fun fetchBalance(session: FahipaySession): Double {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getbalance/?lang=en")
+                .auth(session).build()
+        ).execute()
+        val json = resp.body?.string() ?: return 0.0
+        resp.close()
+        return try {
+            val obj = JSONObject(json)
+            if (obj.optBoolean("error")) 0.0 else obj.optDouble("balance", 0.0)
+        } catch (_: Exception) { 0.0 }
+    }
+
+    fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): BankAccount =
+        BankAccount(
+            bank             = "FAHIPAY",
+            profileName      = profile.fullName.ifBlank { "Fahipay" },
+            profileType      = "FAHIPAY",
+            accountNumber    = profile.walletAccount,
+            accountBriefName = "Fahipay Wallet",
+            currencyName     = "MVR",
+            accountTypeName  = "Digital Wallet",
+            availableBalance = "%.2f".format(balance),
+            currentBalance   = "%.2f".format(balance),
+            blockedAmount    = "0.00",
+            mvrBalance       = "%.2f".format(balance),
+            statusDesc       = "Active",
+            profileImageHash = null,
+            loginTag         = loginTag,
+            internalId       = profile.profileId
+        )
+}

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

@@ -0,0 +1,69 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.util.AccountInputParser
+import java.util.concurrent.TimeUnit
+
+class FahipayContactsClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
+        val endpoints = listOf(
+            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
+            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
+            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
+            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
+        )
+        val result = mutableListOf<FahipayContactGroup>()
+        for ((catId, label, page) in endpoints) {
+            try {
+                val resp = client.newCall(
+                    Request.Builder()
+                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
+                        .header("authid", session.authId)
+                        .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+                        .header("User-Agent", UA)
+                        .build()
+                ).execute()
+                val json = resp.body?.string() ?: continue
+                resp.close()
+                val obj = JSONObject(json)
+                val groupObj = obj.optJSONObject(page) ?: continue
+                val contacts = mutableListOf<BankContact>()
+                for (key in groupObj.keys()) {
+                    val entry = groupObj.getJSONObject(key)
+                    val number = entry.optString("number")
+                    val name = entry.optString("name").trim().ifBlank { number }
+                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
+                    contacts.add(BankContact(
+                        benefNo          = "fp_${page}_$number",
+                        benefName        = "",
+                        benefNickName    = name,
+                        benefAccount     = number,
+                        benefType        = "FAHIPAY",
+                        bankColor        = "#FF6B00",
+                        benefBankName    = label,
+                        bankCode         = "",
+                        benefStatus      = "",
+                        transferCyDesc   = "",
+                        customerImgHash  = null,
+                        benefCategoryId  = catId,
+                        profileId        = ""
+                    ))
+                }
+                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
+            } catch (_: Exception) {}
+        }
+        return result
+    }
+}

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

@@ -0,0 +1,60 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankTransaction
+import java.util.concurrent.TimeUnit
+
+class FahipayHistoryClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+    private val PAGE_SIZE = 15
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchHistory(
+        session: FahipaySession,
+        accountDisplayName: String,
+        accountNumber: String,
+        start: Int
+    ): Pair<List<BankTransaction>, Int> {
+        val resp = client.newCall(
+            Request.Builder()
+                .url("$BASE_URL/actions/activity/?s=$start&l=$PAGE_SIZE&lang=en")
+                .header("authid", session.authId)
+                .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+                .header("content-type", "multipart/form-data")
+                .header("User-Agent", UA)
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
+        resp.close()
+        return try {
+            val obj = JSONObject(json)
+            val total = obj.optInt("total", 0)
+            val entries = obj.optJSONArray("entries") ?: return Pair(emptyList(), total)
+            val list = (0 until entries.length()).map { i ->
+                val e = entries.getJSONObject(i)
+                BankTransaction(
+                    id = e.optString("transaction"),
+                    date = e.optString("date"),
+                    description = e.optString("name").trim(),
+                    amount = e.optDouble("amount", 0.0),
+                    currency = "MVR",
+                    counterpartyName = e.optString("details").takeIf { it.isNotBlank() },
+                    reference = e.optString("transaction").takeIf { it.isNotBlank() },
+                    accountNumber = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source = "FAHIPAY",
+                    iconUrl = e.optString("icon").takeIf { it.isNotBlank() }
+                )
+            }
+            Pair(list, total)
+        } catch (_: Exception) { Pair(emptyList(), 0) }
+    }
+}

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

@@ -10,10 +10,6 @@ import okhttp3.Request
 import okhttp3.RequestBody
 import okio.Buffer
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.Transaction
-import sh.sar.basedbank.util.AccountInputParser
 import java.security.SecureRandom
 import java.util.concurrent.TimeUnit
 
@@ -21,8 +17,6 @@ class FahipayLoginFlow {
 
     private val BASE_URL = "https://fahipay.mv"
     private val UA_WEBVIEW = "Mozilla/5.0 (Linux; Android 14; ${Build.MODEL} Build/AP2A.240905.003; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
-    private val UA_OKHTTP = "okhttp/4.12.0"
-    private val PAGE_SIZE = 15
 
     private val cookieStore = mutableMapOf<String, MutableList<Cookie>>()
     private val cookieJar = object : CookieJar {
@@ -144,164 +138,6 @@ class FahipayLoginFlow {
             ?: throw Exception("No authID in OTP response")
     }
 
-    fun fetchProfile(session: FahipaySession): FahipayUserProfile {
-        val resp = client.newCall(
-            Request.Builder().url("$BASE_URL/actions/getprofile/?lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: throw Exception("Empty profile response")
-        resp.close()
-
-        val obj = JSONObject(json)
-        val props = obj.optJSONObject("props") ?: JSONObject()
-        return FahipayUserProfile(
-            fullName = obj.optString("fullname").trim(),
-            email = obj.optString("email").trim(),
-            mobile = obj.optString("mobile").trim(),
-            nid = obj.optString("nid").trim(),
-            profileId = obj.optString("profileID").trim(),
-            walletAccount = props.optString("acc", ""),
-            linkedAccounts = props.optJSONObject("accs")?.toString() ?: "{}"
-        )
-    }
-
-    fun fetchBalance(session: FahipaySession): Double {
-        val resp = client.newCall(
-            Request.Builder().url("$BASE_URL/actions/getbalance/?lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return 0.0
-        resp.close()
-        return try {
-            val obj = JSONObject(json)
-            if (obj.optBoolean("error")) 0.0 else obj.optDouble("balance", 0.0)
-        } catch (_: Exception) { 0.0 }
-    }
-
-    fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): MibAccount =
-        MibAccount(
-            profileName = profile.fullName.ifBlank { "Fahipay" },
-            profileType = "FAHIPAY",
-            accountNumber = profile.walletAccount,
-            accountBriefName = "Fahipay Wallet",
-            currencyName = "MVR",
-            accountTypeName = "Digital Wallet",
-            availableBalance = "%.2f".format(balance),
-            currentBalance = "%.2f".format(balance),
-            blockedAmount = "0.00",
-            mvrBalance = "%.2f".format(balance),
-            statusDesc = "Active",
-            profileImageHash = null,
-            loginTag = loginTag,
-            internalId = profile.profileId
-        )
-
-    /**
-     * Fetches paginated activity history.
-     * @param start  offset (0-based)
-     * @return Pair of (transactions, total count)
-     */
-    fun fetchHistory(
-        session: FahipaySession,
-        accountDisplayName: String,
-        accountNumber: String,
-        start: Int
-    ): Pair<List<Transaction>, Int> {
-        val resp = client.newCall(
-            Request.Builder()
-                .url("$BASE_URL/actions/activity/?s=$start&l=$PAGE_SIZE&lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
-        resp.close()
-        return try {
-            val obj = JSONObject(json)
-            val total = obj.optInt("total", 0)
-            val entries = obj.optJSONArray("entries") ?: return Pair(emptyList(), total)
-            val list = (0 until entries.length()).map { i ->
-                val e = entries.getJSONObject(i)
-                Transaction(
-                    id = e.optString("transaction"),
-                    date = e.optString("date"),
-                    description = e.optString("name").trim(),
-                    amount = e.optDouble("amount", 0.0),
-                    currency = "MVR",
-                    counterpartyName = e.optString("details").takeIf { it.isNotBlank() },
-                    reference = e.optString("transaction").takeIf { it.isNotBlank() },
-                    accountNumber = accountNumber,
-                    accountDisplayName = accountDisplayName,
-                    source = "FAHIPAY",
-                    iconUrl = e.optString("icon").takeIf { it.isNotBlank() }
-                )
-            }
-            Pair(list, total)
-        } catch (_: Exception) { Pair(emptyList(), 0) }
-    }
-
-    /**
-     * Fetches Fahipay saved favourites for the 4 service groups.
-     * Only includes entries whose number is a valid 7-digit Maldivian phone number (starts with 7 or 9).
-     * Groups with no valid entries are omitted.
-     */
-    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
-        val endpoints = listOf(
-            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
-            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
-            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
-            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
-        )
-        val result = mutableListOf<FahipayContactGroup>()
-        for ((catId, label, page) in endpoints) {
-            try {
-                val resp = client.newCall(
-                    Request.Builder()
-                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
-                        .header("authid", session.authId)
-                        .header("User-Agent", UA_OKHTTP)
-                        .build()
-                ).execute()
-                val json = resp.body?.string() ?: continue
-                resp.close()
-                val obj = JSONObject(json)
-                // Empty group comes back as a JSON array [], not an object — optJSONObject returns null
-                val groupObj = obj.optJSONObject(page) ?: continue
-                val contacts = mutableListOf<MibBeneficiary>()
-                for (key in groupObj.keys()) {
-                    val entry = groupObj.getJSONObject(key)
-                    val number = entry.optString("number")
-                    val name = entry.optString("name").trim().ifBlank { number }
-                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
-                    contacts.add(MibBeneficiary(
-                        benefNo = "fp_${page}_$number",
-                        benefName = "",
-                        benefNickName = name,
-                        benefAccount = number,
-                        benefType = "FAHIPAY",
-                        bankColor = "#FF6B00",
-                        benefBankName = label,
-                        bankCode = "",
-                        benefStatus = "",
-                        transferCyDesc = "",
-                        customerImgHash = null,
-                        benefCategoryId = catId,
-                        profileId = ""
-                    ))
-                }
-                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
-            } catch (_: Exception) {}
-        }
-        return result
-    }
-
     private fun deviceParts(deviceUuid: String): Array<Pair<String, String>> = arrayOf(
         "device[available]" to "true",
         "device[platform]" to "Android",

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

@@ -1,5 +1,7 @@
 package sh.sar.basedbank.api.fahipay
 
+import sh.sar.basedbank.api.models.BankContact
+
 data class FahipaySession(
     val authId: String,
     val sessionCookie: String
@@ -23,5 +25,5 @@ data class FahipayLoginStep(
 data class FahipayContactGroup(
     val categoryId: String,
     val label: String,
-    val contacts: List<sh.sar.basedbank.api.mib.MibBeneficiary>
+    val contacts: List<BankContact>
 )

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

@@ -0,0 +1,62 @@
+package sh.sar.basedbank.api.mib
+
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class MibCardsClient {
+
+    private val BASE_WV_URL = "https://faisamobilex-wv.mib.com.mv"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(20, TimeUnit.SECONDS)
+        .readTimeout(20, TimeUnit.SECONDS)
+        .build()
+
+    private fun cookieHeader(session: MibSession) =
+        "mbmodel=IOS-1.0; xxid=${session.xxid}; IBSID=${session.xxid}; " +
+        "mbnonce=${session.nonceGenerator}; time-tracker=597"
+
+    fun fetchCards(session: MibSession, loginTag: String): List<MibCard> {
+        val body = FormBody.Builder()
+            .add("name", "")
+            .add("start", "1")
+            .add("end", "50")
+            .add("includeCount", "1")
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxDebitCard/fetchCardInfos")
+            .post(body)
+            .header("Cookie", cookieHeader(session))
+            .header("User-Agent", "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36")
+            .header("X-Requested-With", "XMLHttpRequest")
+            .header("Accept", "*/*")
+            .header("Origin", BASE_WV_URL)
+            .header("Referer", "$BASE_WV_URL//debitCards?dashurl=1")
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string() ?: return emptyList()
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) { return emptyList() }
+            if (!json.optBoolean("success")) return emptyList()
+            val data = json.optJSONArray("data") ?: return emptyList()
+            (0 until data.length()).map { i ->
+                val item = data.getJSONObject(i)
+                MibCard(
+                    cardId = item.optString("cardId"),
+                    maskedCardNumber = item.optString("maskedCardNumber"),
+                    cardStatus = item.optString("cardStatus"),
+                    cardType = item.optString("cardType"),
+                    cardTypeDesc = item.optString("cardTypeDesc"),
+                    customerId = item.optString("customerId"),
+                    phoneNumber = item.optString("phoneNumber"),
+                    cardHolderName = item.optString("cardHolderName"),
+                    loginTag = loginTag
+                )
+            }
+        }
+    }
+}

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
+        lastProfiles = profiles  // keep ALL profiles so settings can show them all
-        return fetchAllProfiles(session2, profiles, "mib_$username")
+
+        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"),
@@ -310,44 +356,6 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         }
     }
 
-    data class MibPersonalProfile(
-        val fullName: String,
-        val username: String,
-        val email: String,
-        val mobile: String,
-        val enrolled: String
-    )
-
-    /** Fetches the customer's profile info from the Faisanet personal profile page. */
-    fun fetchPersonalProfile(session: MibSession): MibPersonalProfile? {
-        val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
-            "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
-        val request = Request.Builder()
-            .url("https://faisamobilex-wv.mib.com.mv/personalProfile")
-            .get()
-            .header("Cookie", cookieHeader)
-            .build()
-        return try {
-            val resp = client.newCall(request).execute()
-            val html = resp.body?.string() ?: return null
-            resp.close()
-            fun scrape(label: String): String {
-                val r = Regex("""<span[^>]*>\s*<b[^>]*>\s*$label\s*</b[^>]*>.*?<span[^>]*>([^<]+)</span>""",
-                    setOf(RegexOption.DOT_MATCHES_ALL, RegexOption.IGNORE_CASE))
-                return r.find(html)?.groupValues?.get(1)?.trim() ?: ""
-            }
-            val nameRegex = Regex("""<h5 class="mb-1 text-dark fw-semibold">\s*([^<]+)\s*</h5>""")
-            val fullName = nameRegex.find(html)?.groupValues?.get(1)?.trim() ?: return null
-            MibPersonalProfile(
-                fullName = fullName,
-                username = scrape("Username:"),
-                email = scrape("Email:"),
-                mobile = scrape("Mobile no:"),
-                enrolled = scrape("Enrolled:")
-            )
-        } catch (_: Exception) { null }
-    }
-
     /** Fetches a profile image via P41. Returns base64 JPEG string, or null if not found. */
     fun fetchProfileImage(session: MibSession, imageHash: String): String? {
         val payload = baseData(session, "P41").apply {
@@ -389,11 +397,11 @@ 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

@@ -1,5 +1,16 @@
 package sh.sar.basedbank.api.mib
 
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+import sh.sar.basedbank.api.models.BankTransaction
+
+// Kept for source compatibility within the mib package
+typealias MibAccount = BankAccount
+typealias MibBeneficiary = BankContact
+typealias Transaction = BankTransaction
+typealias MibBeneficiaryCategory = BankContactCategory
+
 data class MibSession(
     val appId: String,
     val xxid: String,
@@ -19,23 +30,6 @@ data class MibProfile(
     val customerImage: String?
 )
 
-data class MibAccount(
-    val profileName: String,
-    val profileType: String,
-    val accountNumber: String,
-    val accountBriefName: String,
-    val currencyName: String,
-    val accountTypeName: String,
-    val availableBalance: String,
-    val currentBalance: String,
-    val blockedAmount: String,
-    val mvrBalance: String,
-    val statusDesc: String,
-    val profileImageHash: String?,
-    val loginTag: String = "",
-    val profileId: String = "",  // MIB profile ID; empty for BML accounts
-    val internalId: String = ""  // BML internal UUID; empty for MIB accounts
-)
 
 data class MibTransferResult(
     val success: Boolean,
@@ -44,27 +38,6 @@ data class MibTransferResult(
     val errorMessage: String = ""
 )
 
-data class MibBeneficiaryCategory(
-    val id: String,
-    val categoryName: String,
-    val numBenef: Int
-)
-
-data class MibBeneficiary(
-    val benefNo: String,
-    val benefName: String,
-    val benefNickName: String,
-    val benefAccount: String,
-    val benefType: String,       // L=Local, I=Internal(MIB), S=Swift
-    val bankColor: String,
-    val benefBankName: String,
-    val bankCode: String,
-    val benefStatus: String,
-    val transferCyDesc: String,
-    val customerImgHash: String?,
-    val benefCategoryId: String,  // "0" = uncategorized
-    val profileId: String = ""    // MIB profile ID; empty for BML contacts
-)
 
 data class MibIpsAccountInfo(
     val accountName: String,
@@ -72,18 +45,17 @@ data class MibIpsAccountInfo(
     val bankId: String
 )
 
-data class Transaction(
+
-    val id: String,
+data class MibCard(
-    val date: String,                   // "YYYY-MM-DD HH:mm:ss" for MIB, ISO8601 for BML
+    val cardId: String,
-    val description: String,
+    val maskedCardNumber: String,
-    val amount: Double,                 // negative = debit, positive = credit
+    val cardStatus: String,
-    val currency: String,
+    val cardType: String,
-    val counterpartyName: String?,
+    val cardTypeDesc: String,
-    val reference: String?,
+    val customerId: String,
-    val accountNumber: String,
+    val phoneNumber: String,
-    val accountDisplayName: String,
+    val cardHolderName: String,
-    val source: String,                 // "MIB", "BML", "BML_CARD", "FAHIPAY"
+    val loginTag: String
-    val iconUrl: String? = null         // merchant icon URL (Fahipay only)
 )
 
 data class MibFinanceDeal(

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

@@ -0,0 +1,50 @@
+package sh.sar.basedbank.api.mib
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import java.util.concurrent.TimeUnit
+
+data class MibPersonalProfile(
+    val fullName: String,
+    val username: String,
+    val email: String,
+    val mobile: String,
+    val enrolled: String
+)
+
+class MibProfileClient {
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchPersonalProfile(session: MibSession): MibPersonalProfile? {
+        val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
+            "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
+        val request = Request.Builder()
+            .url("https://faisamobilex-wv.mib.com.mv/personalProfile")
+            .get()
+            .header("Cookie", cookieHeader)
+            .build()
+        return try {
+            val resp = client.newCall(request).execute()
+            val html = resp.body?.string() ?: return null
+            resp.close()
+            fun scrape(label: String): String {
+                val r = Regex("""<span[^>]*>\s*<b[^>]*>\s*$label\s*</b[^>]*>.*?<span[^>]*>([^<]+)</span>""",
+                    setOf(RegexOption.DOT_MATCHES_ALL, RegexOption.IGNORE_CASE))
+                return r.find(html)?.groupValues?.get(1)?.trim() ?: ""
+            }
+            val nameRegex = Regex("""<h5 class="mb-1 text-dark fw-semibold">\s*([^<]+)\s*</h5>""")
+            val fullName = nameRegex.find(html)?.groupValues?.get(1)?.trim() ?: return null
+            MibPersonalProfile(
+                fullName = fullName,
+                username = scrape("Username:"),
+                email = scrape("Email:"),
+                mobile = scrape("Mobile no:"),
+                enrolled = scrape("Enrolled:")
+            )
+        } catch (_: Exception) { null }
+    }
+}

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

@@ -68,6 +68,7 @@ class MibTransferClient {
             .withWvHeaders(session)
             .build()
         return client.newCall(request).execute().use { response ->
+            if (response.code == 419) throw SessionExpiredException()
             val bodyStr = response.body?.string() ?: ""
             val json = try { JSONObject(bodyStr) } catch (_: Exception) { null }
             if (json == null || !json.optBoolean("success")) {

app/src/main/java/sh/sar/basedbank/api/models/BankModels.kt

@@ -0,0 +1,72 @@
+package sh.sar.basedbank.api.models
+
+/**
+ * Unified account model used across all banks (MIB, BML, Fahipay, ...).
+ * The [bank] field identifies which bank owns this account.
+ */
+data class BankAccount(
+    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,
+    val accountTypeName: String,
+    val availableBalance: String,
+    val currentBalance: String,
+    val blockedAmount: String,
+    val mvrBalance: String,
+    val statusDesc: String,
+    val profileImageHash: String?,
+    val loginTag: String = "",
+    val profileId: String = "",   // profile ID used by the bank; empty if not applicable
+    val internalId: String = ""   // bank-internal UUID or ID; empty if not applicable
+)
+
+/**
+ * Unified contact/beneficiary model used across all banks.
+ * Each bank may interpret fields differently; see per-bank notes below.
+ */
+data class BankContact(
+    val benefNo: String,
+    val benefName: String,
+    val benefNickName: String,
+    val benefAccount: String,
+    val benefType: String,        // MIB: L=Local, I=Internal, S=Swift; BML: "I"; Fahipay: "FAHIPAY"
+    val bankColor: String,
+    val benefBankName: String,
+    val bankCode: String,
+    val benefStatus: String,
+    val transferCyDesc: String,
+    val customerImgHash: String?,
+    val benefCategoryId: String,  // MIB: numeric category ID or "0"; BML: "BML"; Fahipay: "FAHIPAY"
+    val profileId: String = ""    // owning profile ID; empty where not applicable
+)
+
+/**
+ * Contact category (group) used across MIB and Fahipay.
+ */
+data class BankContactCategory(
+    val id: String,
+    val categoryName: String,
+    val numBenef: Int
+)
+
+/**
+ * Unified transaction model used across all banks.
+ * [source] identifies the originating bank/account type.
+ */
+data class BankTransaction(
+    val id: String,
+    val date: String,                   // "YYYY-MM-DD HH:mm:ss" (MIB/BML normalised) or ISO8601
+    val description: String,
+    val amount: Double,                 // negative = debit, positive = credit
+    val currency: String,
+    val counterpartyName: String?,
+    val reference: String?,
+    val accountNumber: String,
+    val accountDisplayName: String,
+    val source: String,                 // "MIB", "BML", "BML_CARD", "FAHIPAY"
+    val iconUrl: String? = null         // merchant icon URL (Fahipay only)
+)

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

@@ -9,8 +9,9 @@ import android.view.View
 import android.view.ViewGroup
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankTransaction
+import sh.sar.basedbank.util.AccountHistoryDisplay
 import sh.sar.basedbank.databinding.ItemAccountHistoryHeaderBinding
 import sh.sar.basedbank.databinding.ItemDateHeaderBinding
 import sh.sar.basedbank.databinding.ItemLoadingFooterBinding
@@ -20,12 +21,13 @@ import java.util.Date
 import java.util.Locale
 
 class AccountHistoryAdapter(
-    private val account: MibAccount
+    private val account: BankAccount,
+    private val display: AccountHistoryDisplay
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
         data class DateHeader(val label: String) : Item()
-        data class Trx(val transaction: Transaction) : Item()
+        data class Trx(val transaction: BankTransaction) : Item()
     }
 
     private val displayItems = mutableListOf<Item>()
@@ -34,7 +36,18 @@ class AccountHistoryAdapter(
     private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
-    var onTransferClick: ((MibAccount) -> Unit)? = null
+    var onTransferClick: ((BankAccount) -> 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
@@ -71,7 +84,7 @@ class AccountHistoryAdapter(
      * Display the given (already sorted + filtered) list with date group headers.
      * Silently resets the loading footer so notifyDataSetChanged covers everything.
      */
-    fun setTransactions(transactions: List<Transaction>) {
+    fun setTransactions(transactions: List<BankTransaction>) {
         _showLoadingFooter = false
         displayItems.clear()
         lastInsertedDateKey = ""
@@ -92,7 +105,7 @@ class AccountHistoryAdapter(
      * Appends [newTransactions] (assumed to be older than all existing items) using incremental
      * notifications, so the RecyclerView doesn't reset scroll position.
      */
-    fun appendTransactions(newTransactions: List<Transaction>) {
+    fun appendTransactions(newTransactions: List<BankTransaction>) {
         if (newTransactions.isEmpty()) return
         if (_showLoadingFooter) {
             val pos = itemCount - 1
@@ -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) {
+        fun bind(d: AccountHistoryDisplay) {
-            b.tvHeaderAccountName.text = acc.accountBriefName
+            b.tvHeaderAccountName.text   = d.name
-            b.tvHeaderAccountNumber.text = acc.accountNumber
+            b.tvHeaderAccountNumber.text = d.number
-            b.tvHeaderPillBank.text = when {
+            b.tvHeaderPillBank.text      = d.bankPill
-                acc.profileType.startsWith("BML") -> "BML"
+            b.tvHeaderPillType.text      = d.typeLabel
-                acc.profileType == "FAHIPAY" -> "FP"
+            b.tvHeaderAvailable.text     = if (hideAmounts) maskAmount(d.availableBalance) else d.availableBalance
-                else -> null
+            b.tvHeaderBalance.text       = if (hideAmounts) maskAmount(d.workingBalance) else d.workingBalance
-            }
+            if (d.blockedBalance != null) {
-            b.tvHeaderPillType.text = friendlyType(acc.accountTypeName)
+                b.tvHeaderBlocked.text       = if (hideAmounts) maskAmount(d.blockedBalance) else d.blockedBalance
-            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}"
                 b.llHeaderBlocked.visibility = View.VISIBLE
             } else {
                 b.llHeaderBlocked.visibility = View.GONE
             }
-            b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(acc) }
+            b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(account) }
-        }
-
-        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)
-            }
         }
     }
 
@@ -188,7 +184,7 @@ class AccountHistoryAdapter(
 
     inner class TransactionVH(private val b: ItemTransactionBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(trx: Transaction) {
+        fun bind(trx: BankTransaction) {
             val isCredit = trx.amount >= 0
             val color = sourceColor(trx.source)
             val name = trx.counterpartyName ?: trx.description
@@ -226,17 +222,22 @@ class AccountHistoryAdapter(
 
             b.tvDate.text = formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
+            if (hideAmounts) {
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "${trx.currency} ••••••"
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
-            b.tvAmount.setTextColor(
+            } else {
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                val sign = if (isCredit) "+" else "-"
-            )
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }
 
-        private fun showDetail(trx: Transaction) {
+        private fun showDetail(trx: BankTransaction) {
             val ctx = b.root.context
             val title = trx.counterpartyName?.takeIf { it.isNotBlank() } ?: trx.description
             val details = buildString {
@@ -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.models.BankAccount
-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.models.BankTransaction
-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() {
 
@@ -42,29 +39,21 @@ class AccountHistoryFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private lateinit var adapter: AccountHistoryAdapter
-    private lateinit var account: MibAccount
+    private lateinit var account: BankAccount
+    private lateinit var fetcher: HistoryFetcher
 
-    private val allTransactions = mutableListOf<Transaction>()
+    private val allTransactions = mutableListOf<BankTransaction>()
     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
 
     companion object {
         private const val ARG_ACCOUNT_NUMBER = "account_number"
 
-        fun newInstance(account: MibAccount) = AccountHistoryFragment().apply {
+        fun newInstance(account: BankAccount) = AccountHistoryFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT_NUMBER, account.accountNumber)
             }
@@ -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)
@@ -116,6 +118,14 @@ class AccountHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPage()
+
+        binding.swipeRefresh.setOnRefreshListener {
+            if (isLoading) {
+                binding.swipeRefresh.isRefreshing = false
+            } else {
+                resetAndReload()
+            }
+        }
     }
 
     override fun onResume() {
@@ -133,19 +143,19 @@ 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 resetAndReload() {
-    private fun isBmlCard() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
+        allTransactions.clear()
-    private fun isFahipay() = account.profileType == "FAHIPAY"
+        pendingImageNames.clear()
-
+        pendingIconUrls.clear()
-    private fun hasMore(): Boolean = when {
+        firstPageDone = false
-        isFahipay() -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+        fetcher = HistoryFetcher(account)
-        isMib() -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+        adapter.setTransactions(emptyList())
-        isBmlCard() -> cardMonthOffset < 3   // load up to 3 months
+        binding.emptyView.visibility = View.GONE
-        else -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+        loadNextPage()
     }
 
     private fun loadNextPage() {
-        if (isLoading || !hasMore()) return
+        if (isLoading || !fetcher.hasMore()) return
         isLoading = true
 
         if (firstPageDone && allTransactions.isNotEmpty()) {
@@ -155,74 +165,14 @@ class AccountHistoryFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         lifecycleScope.launch {
-            val transactions: List<Transaction> = withContext(Dispatchers.IO) {
+            val transactions = fetcher.fetchNextPage(app, pageSize)
-                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
-                    }
-                }
-            }
 
             isLoading = false
 
             if (!firstPageDone) {
                 firstPageDone = true
                 (activity as? HomeActivity)?.setRefreshing(false)
+                binding.swipeRefresh.isRefreshing = false
             }
 
             if (transactions.isNotEmpty()) {
@@ -233,7 +183,6 @@ 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 +192,7 @@ 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 +210,7 @@ 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 +237,7 @@ 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)
+                val bitmap = BitmapFactory.decodeByteArray(bytes, 0, bytes.size) ?: return@launch
-                    ?: 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

@@ -8,66 +8,74 @@ 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.models.BankAccount
-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.AccountListDisplay
-import sh.sar.basedbank.util.MibAccountParser
+import sh.sar.basedbank.util.AccountListParser
 
 class AccountsAdapter(
-    accounts: List<MibAccount>,
+    accounts: List<BankAccount>,
-    private val onAccountClick: (MibAccount) -> Unit = {}
+    private val onAccountClick: (BankAccount) -> Unit = {}
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
+    var onTransferClick: ((BankAccount) -> 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 Account(val account: BankAccount, val display: AccountListDisplay) : Item()
-        data class Card(val account: MibAccount) : Item()
+        data class Card(val account: BankAccount, val display: AccountListDisplay) : Item()
     }
 
     private val items: MutableList<Item> = buildItems(accounts).toMutableList()
 
-    fun updateAccounts(accounts: List<MibAccount>) {
+    fun updateAccounts(accounts: List<BankAccount>) {
         items.clear()
         items.addAll(buildItems(accounts))
         notifyDataSetChanged()
     }
 
-    private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
+    fun setHideAmounts(hide: Boolean) {
-        val nonPrepaid = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+        if (hideAmounts == hide) return
-        val prepaid    = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
 
-        // Group non-prepaid accounts by their derived section title, preserving order
+    private fun buildItems(accounts: List<BankAccount>): List<Item> = buildList {
-        val groups = LinkedHashMap<String, MutableList<MibAccount>>()
+        val displayed = accounts.mapNotNull { acc -> AccountListParser.from(acc)?.let { acc to it } }
-        for (acc in nonPrepaid) {
+        val nonCards  = displayed.filter { !it.second.isCard }
+        val cards     = displayed.filter { it.second.isCard }
+
+        val groups = LinkedHashMap<String, MutableList<Pair<BankAccount, 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 {
+    private fun sectionTitle(account: BankAccount): String {
-        val profileLabel = when (account.profileType) {
+        val bankName = when (account.bank) {
-            "0"  -> "Personal"
+            "BML"     -> "Bank of Maldives"
-            "1"  -> "Business"
+            "FAHIPAY" -> "Fahipay"
-            else -> account.profileName
+            "MIB"     -> "Maldives Islamic Bank"
+            else      -> account.bank
         }
-        val bank = when {
+        val profileLabel = when (account.bank) {
-            account.profileType.startsWith("BML") -> "Bank of Maldives"
+            "MIB" -> account.cifType.ifBlank { account.profileName }
-            account.profileType == "FAHIPAY"       -> "Fahipay"
+            else  -> account.profileName
-            else                                   -> "Maldives Islamic Bank"
         }
-        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_HEADER -> SectionViewHolder(ItemDateHeaderBinding.inflate(inflater, parent, false))
-            TYPE_CARD    -> CardViewHolder(ItemCardBinding.inflate(inflater, parent, false))
+            TYPE_CARD   -> CardViewHolder(ItemCardBinding.inflate(inflater, parent, false))
-            else         -> AccountViewHolder(ItemAccountBinding.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.Account      -> (holder as AccountViewHolder).bind(item.account, item.display)
-            is Item.Card         -> (holder as CardViewHolder).bind(item.account)
+            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) {
+        fun bind(account: BankAccount, display: AccountListDisplay) {
-            binding.tvAccountName.text   = account.accountBriefName
+            binding.tvAccountName.text   = display.name
-            binding.tvAccountNumber.text = account.accountNumber
+            binding.tvAccountNumber.text = display.number
-            val label = if (account.profileType.startsWith("BML"))
+            binding.tvAccountType.text   = display.typeLabel
-                BmlDashboardParser.productLabel(account.accountTypeName)
+            binding.tvBalance.text       = if (hideAmounts) maskAmount(display.balance) else display.balance
-            else
+            binding.btnTransfer.setOnClickListener { onTransferClick?.invoke(account) }
-                MibAccountParser.productLabel(account.accountTypeName)
-            binding.tvPillType.text = label
-            binding.tvBalance.text  = "${account.currencyName} ${account.availableBalance}"
             binding.root.setOnClickListener { onAccountClick(account) }
             binding.root.setOnLongClickListener {
-                copyToClipboard(it.context, account.accountNumber)
+                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) {
+        fun bind(account: BankAccount, display: AccountListDisplay) {
-            binding.ivCardBrand.setImageResource(cardBrandIcon(account.accountTypeName))
+            binding.ivCardBrand.setImageResource(display.cardBrandIcon)
-            binding.tvCardName.text    = account.accountBriefName
+            binding.tvCardName.text    = display.name
-            binding.tvCardNumber.text  = account.accountNumber
+            binding.tvCardNumber.text  = display.number
-            binding.tvCardProduct.text = BmlDashboardParser.productLabel(account.accountTypeName)
+            binding.tvCardProduct.text = display.typeLabel
             binding.layoutCardBalance.visibility = View.VISIBLE
-            binding.tvCardBalance.text = "${account.currencyName} ${account.availableBalance}"
+            binding.tvCardBalance.text = if (hideAmounts) maskAmount(display.balance) else display.balance
-
+            if (display.statusLabel != null) {
-            val isActive = account.statusDesc.equals("Active", ignoreCase = true)
+                binding.tvCardStatus.text       = display.statusLabel
-            if (isActive) {
-                binding.tvCardStatus.visibility = View.GONE
-                binding.root.alpha = 1f
-            } else {
-                binding.tvCardStatus.text = account.statusDesc
                 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 +28,28 @@ 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) }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
+        }
     }
 
     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

@@ -30,8 +30,9 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlAccountValidation
-import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlContactsClient
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibTransferClient
@@ -50,6 +51,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         val label: String,
         val isBml: Boolean,
         val mibProfile: MibProfile? = null,
+        val mibLoginId: String? = null,
         val bmlLoginId: String? = null,
         val subtitle: String = ""
     )
@@ -63,7 +65,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private var selectedImageBase64: String = ""
     private var selectedCategoryId: String = "0"
-    private var categories: List<MibBeneficiaryCategory> = emptyList()
+    private var categories: List<BankContactCategory> = emptyList()
 
     private val imagePicker = registerForActivityResult(ActivityResultContracts.GetContent()) { uri: Uri? ->
         uri ?: return@registerForActivityResult
@@ -91,14 +93,19 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private fun buildDestinations(): List<DestinationOption> {
         val list = mutableListOf<DestinationOption>()
-        for (profile in app.mibProfiles) {
+        for ((loginId, profiles) in app.mibProfilesMap) {
-            list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile))
+            for (profile in profiles) {
+                list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile, mibLoginId = loginId, subtitle = profile.cifType))
+            }
         }
         val store = CredentialStore(requireContext())
-        for ((loginId, _) in app.bmlSessions) {
+        for ((loginId, profiles) in app.bmlProfilesMap) {
-            val ownerName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() } ?: loginId
+            val fullName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
-            val profileName = app.bmlAccounts.firstOrNull { it.loginTag == "bml_$loginId" }?.profileName ?: ""
+            for (profile in profiles) {
-            list.add(DestinationOption("BML · $ownerName", isBml = true, bmlLoginId = loginId, subtitle = profileName))
+                if (app.bmlSessions.containsKey(profile.profileId)) {
+                    list.add(DestinationOption("BML · ${fullName ?: profile.name}", isBml = true, bmlLoginId = profile.profileId, subtitle = profile.name))
+                }
+            }
         }
         return list
     }
@@ -238,18 +245,16 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     private fun lookupForBml(input: String): BmlAccountValidation? {
         val loginId = selectedDest?.bmlLoginId ?: return null
         val bmlSess = app.bmlSessions[loginId] ?: return null
-        val bmlFlow = BmlLoginFlow()
-
         // 1) Try BML validate
-        val validated = try { bmlFlow.validateAccount(bmlSess, input) } catch (_: Exception) { null }
+        val validated = try { BmlValidateClient().validateAccount(bmlSess, input) } catch (_: Exception) { null }
         if (validated != null) return validated
 
         // 2) Try BML MIB verify
-        val mibVerified = try { bmlFlow.verifyMibAccount(bmlSess, input) } catch (_: Exception) { null }
+        val mibVerified = try { BmlValidateClient().verifyMibAccount(bmlSess, input) } catch (_: Exception) { null }
         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 +271,12 @@ 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",
@@ -288,7 +294,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
         // MIB lookup failed (e.g. BML USD account) — fall back to BML validate
         val bmlSess = app.anyBmlSession() ?: return null
-        return try { BmlLoginFlow().validateAccount(bmlSess, input) } catch (_: Exception) { null }
+        return try { BmlValidateClient().validateAccount(bmlSess, input) } catch (_: Exception) { null }
     }
 
     private fun showLookupResult(validation: BmlAccountValidation, input: String) {
@@ -414,23 +420,23 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         val loginId = selectedDest?.bmlLoginId ?: return false
         val bmlSess = app.bmlSessions[loginId] ?: return false
         val lookup = bmlLookup ?: return false
-        val bmlFlow = BmlLoginFlow()
         val account = lookup.account
         return when {
             account.matches(Regex("^7\\d{12}$")) ->
                 // BML account → IAT
-                bmlFlow.saveContact(bmlSess, "IAT", account, alias)
+                BmlContactsClient().saveContact(bmlSess, "IAT", account, alias)
             account.matches(Regex("^9\\d{16}$")) ->
                 // MIB internal → DOT; swift is BML's internal UUID for MIB bank
-                bmlFlow.saveContact(bmlSess, "DOT", account, alias,
+                BmlContactsClient().saveContact(bmlSess, "DOT", account, alias,
                     currency = lookup.currency, name = lookup.name, swift = MIB_SWIFT_ON_BML)
             else -> false
         }
     }
 
     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 +448,7 @@ 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,
@@ -481,15 +487,16 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
                 if (dest.isBml) {
                     val loginId = dest.bmlLoginId ?: return@launch
                     val bmlSess = app.bmlSessions[loginId] ?: return@launch
-                    val fresh = BmlLoginFlow().fetchContacts(bmlSess, loginId)
+                    val fresh = BmlContactsClient().fetchContacts(bmlSess, loginId)
                     val existing = viewModel.contacts.value ?: emptyList()
                     val merged = existing.filter { it.benefCategoryId != "BML" } + fresh
                     viewModel.contacts.postValue(merged)
                     if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, fresh)
                 } else {
                     val profile = dest.mibProfile ?: return@launch
-                    val mibSess = app.mibSession ?: return@launch
+                    val mibLoginId = dest.mibLoginId ?: return@launch
-                    app.mibLoginFlow.switchProfile(mibSess, profile)
+                    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/CardSettingsFragment.kt

@@ -0,0 +1,114 @@
+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.ImageView
+import android.widget.TextView
+import android.widget.Toast
+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
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibCard
+import sh.sar.basedbank.databinding.FragmentCardSettingsBinding
+
+class CardSettingsFragment : Fragment() {
+
+    private var _binding: FragmentCardSettingsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentCardSettingsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val adapter = CardSettingsAdapter(emptyList(), requireContext())
+        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.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefreshCards()
+        }
+
+        viewModel.mibCards.observe(viewLifecycleOwner) { cards ->
+            if (cards == null) return@observe
+            adapter.update(cards)
+            binding.loadingView.visibility = View.GONE
+            binding.swipeRefresh.isRefreshing = false
+            binding.emptyView.visibility = if (cards.isEmpty()) View.VISIBLE else View.GONE
+            binding.recyclerView.visibility = if (cards.isEmpty()) View.GONE else View.VISIBLE
+        }
+
+        if (viewModel.mibCards.value == null) {
+            binding.loadingView.visibility = View.VISIBLE
+            (activity as? HomeActivity)?.triggerRefreshCards()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_card_settings)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private inner class CardSettingsAdapter(
+        private var cards: List<MibCard>,
+        private val context: Context
+    ) : RecyclerView.Adapter<CardSettingsAdapter.VH>() {
+
+        fun update(newCards: List<MibCard>) {
+            cards = newCards
+            notifyDataSetChanged()
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
+            VH(LayoutInflater.from(context).inflate(R.layout.item_card_settings_entry, parent, false))
+
+        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun getItemCount() = cards.size
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
+            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
+            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
+            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
+            private val btnChangePin: View = view.findViewById(R.id.btnChangePin)
+            private val btnFreeze: View = view.findViewById(R.id.btnFreeze)
+            private val btnBlock: View = view.findViewById(R.id.btnBlock)
+
+            fun bind(card: MibCard) {
+                tvCardOwner.text = card.cardHolderName
+                tvCardNumber.text = PayWithCardFragment.formatMasked(card.maskedCardNumber)
+                tvCardType.text = card.cardTypeDesc
+                PayWithCardFragment.loadCardImage(ivCardImage, PayWithCardFragment.cardImageAsset(card))
+                val wip = View.OnClickListener {
+                    Toast.makeText(context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+                }
+                btnChangePin.setOnClickListener(wip)
+                btnFreeze.setOnClickListener(wip)
+                btnBlock.setOnClickListener(wip)
+            }
+        }
+    }
+}

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 onDeleteClick: (ContactDisplay) -> Unit,
-    private val onTransferClick: (MibBeneficiary) -> Unit
+    private val onTransferClick: (ContactDisplay) -> Unit
 ) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
 
-    private var allContacts: List<MibBeneficiary> = emptyList()
+    private var allContacts: List<ContactDisplay> = emptyList()
-    private var displayed: List<MibBeneficiary> = 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.name.contains(searchQuery, ignoreCase = true) ||
-                    contact.benefName.contains(searchQuery, ignoreCase = true) ||
+                contact.realName.contains(searchQuery, ignoreCase = true) ||
-                    contact.benefAccount.contains(searchQuery)
+                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?) {
+        fun bind(contact: ContactDisplay, photo: Bitmap?) {
-            val isFahipay = contact.benefType == "FAHIPAY"
+            binding.tvContactName.text    = contact.name
-            binding.tvContactName.text = contact.benefNickName
+            binding.tvContactAccount.text = contact.accountNumber
-            binding.tvContactAccount.text = contact.benefAccount
+            binding.tvRealName.text       = contact.detail ?: ""
-            binding.tvRealName.text = if (isFahipay) "" else "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}"
+            binding.tvRealName.visibility =
-            binding.tvRealName.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+                if (contact.detail != null) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnTransferContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnTransferContact.visibility =
-            binding.btnEditContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+                if (contact.canTransfer) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnDeleteContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            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.models.BankContactCategory
-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() {
 
@@ -38,12 +42,13 @@ 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
+    private var contactsRefreshing = false
 
     private data class TabPage(val categoryId: String?, val label: String)
 
@@ -53,9 +58,9 @@ class ContactsFragment : Fragment() {
         private val density get() = resources.displayMetrics.density
         val contactAdapters: List<ContactsAdapter> = pages.map { page ->
             ContactsAdapter(
-                imageCache = sharedImageCache,
+                imageCache      = sharedImageCache,
-                onImageNeeded = { hash -> fetchImage(hash) },
+                onImageNeeded   = { hash -> fetchImage(hash) },
-                onDeleteClick  = { contact -> confirmDelete(contact) },
+                onDeleteClick   = { contact -> confirmDelete(contact) },
                 onTransferClick = { contact -> openTransfer(contact) }
             ).also { a ->
                 a.setFilter(page.categoryId, currentSearch)
@@ -63,7 +68,7 @@ class ContactsFragment : Fragment() {
             }
         }
 
-        fun updateContacts(contacts: List<MibBeneficiary>) =
+        fun updateContacts(contacts: List<ContactDisplay>) =
             contactAdapters.forEach { it.updateContacts(contacts) }
 
         fun updateSearch(query: String) =
@@ -86,7 +91,7 @@ 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]
             }
@@ -113,21 +118,41 @@ 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")
         }
 
         (activity as? HomeActivity)?.loadAllContacts()
 
+        binding.swipeRefresh.setOnRefreshListener {
+            contactsRefreshing = true
+            (activity as? HomeActivity)?.loadAllContacts()
+        }
+
         viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
             rebuildPager(cats)
         }
 
         viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
-            allContacts = contacts
+            allContacts = ContactListParser.fromList(contacts)
-            pagerAdapter.updateContacts(contacts)
+            pagerAdapter.updateContacts(allContacts)
             binding.emptyView.visibility = if (contacts.isEmpty()) View.VISIBLE else View.GONE
             binding.loadingView.visibility = View.GONE
+            if (contactsRefreshing) {
+                contactsRefreshing = false
+                binding.swipeRefresh.isRefreshing = false
+            }
         }
     }
 
@@ -138,7 +163,7 @@ class ContactsFragment : Fragment() {
         }.also { it.attach() }
     }
 
-    private fun rebuildPager(cats: List<MibBeneficiaryCategory>) {
+    private fun rebuildPager(cats: List<BankContactCategory>) {
         val pages = buildList {
             add(TabPage(null, getString(R.string.contacts_tab_all)))
             cats.forEach { add(TabPage(it.id, it.categoryName)) }
@@ -150,31 +175,29 @@ 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,
+            accountNumber = contact.accountNumber,
-            displayName   = contact.benefNickName,
+            displayName   = contact.name,
-            subtitle      = "${contact.benefBankName} · ${contact.benefAccount}",
+            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) {
+    private fun confirmDelete(contact: ContactDisplay) {
-        AlertDialog.Builder(requireContext())
+        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) {
+            val success = withContext(Dispatchers.IO) { ContactManager.delete(contact, app) }
-                if (contact.benefCategoryId == "BML") deleteBml(contact) else deleteMib(contact)
-            }
             if (success) {
                 Toast.makeText(requireContext(), R.string.contact_deleted, Toast.LENGTH_SHORT).show()
                 removeFromViewModel(contact)
@@ -184,27 +207,10 @@ class ContactsFragment : Fragment() {
         }
     }
 
-    private fun deleteBml(contact: MibBeneficiary): Boolean {
+    private fun removeFromViewModel(contact: ContactDisplay) {
-        val sess = app.bmlSessions[contact.profileId] ?: app.anyBmlSession() ?: return false
+        val updated = viewModel.contacts.value?.filter { it.benefNo != contact.id } ?: return
-        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
         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 +227,6 @@ 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

@@ -1,16 +1,20 @@
 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
 import sh.sar.basedbank.api.bml.BmlForeignLimit
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibFinanceDeal
+import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
 import sh.sar.basedbank.databinding.ItemForeignLimitBinding
 
@@ -27,60 +31,178 @@ class DashboardFragment : Fragment() {
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         viewModel.accounts.observe(viewLifecycleOwner) { updateBalances(it) }
-        viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances(it) }
+        viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances() }
+        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) { updatePendingFinances() }
         viewModel.bmlLimits.observe(viewLifecycleOwner) { updateForeignLimits(it) }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) {
+            updateBalances(viewModel.accounts.value ?: emptyList())
+            updatePendingFinances()
+            updateForeignLimits(viewModel.bmlLimits.value ?: emptyList())
+        }
 
-        binding.btnTransfer.setOnClickListener {
+        binding.swipeRefresh.setOnRefreshListener {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer)
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
         }
-        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 updateBalances(accounts: List<MibAccount>) {
+    private fun refreshQuickActions() {
-        val mvrTotal = accounts
+        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<BankAccount>) {
+        val hide = viewModel.hideAmounts.value ?: false
+
+        val nonCreditAccounts = accounts.filter { it.profileType != "BML_CREDIT" }
+        val creditAccounts = accounts.filter { it.profileType == "BML_CREDIT" }
+
+        if (hide) {
+            binding.tvMvrBalance.text = "MVR ••••••"
+            binding.tvUsdBalance.text = "USD ••••••"
+            if (creditAccounts.isNotEmpty()) {
+                binding.rowCreditCards.visibility = View.VISIBLE
+                val hasMvrCredit = creditAccounts.any { it.currencyName.equals("MVR", ignoreCase = true) }
+                val hasUsdCredit = creditAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+                binding.cardMvrCredit.visibility = if (hasMvrCredit) View.VISIBLE else View.GONE
+                binding.cardUsdCredit.visibility = if (hasUsdCredit) View.VISIBLE else View.GONE
+                binding.tvMvrCredit.text = "MVR ••••••"
+                binding.tvUsdCredit.text = "USD ••••••"
+            } else {
+                binding.rowCreditCards.visibility = View.GONE
+            }
+            return
+        }
+
+        val mvrTotal = nonCreditAccounts
             .filter { it.currencyName.equals("MVR", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
-        val usdTotal = accounts
+        val usdTotal = nonCreditAccounts
             .filter { it.currencyName.equals("USD", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
 
         binding.tvMvrBalance.text = "MVR %,.2f".format(mvrTotal)
         binding.tvUsdBalance.text = "USD %,.2f".format(usdTotal)
+
+        val mvrCredit = creditAccounts
+            .filter { it.currencyName.equals("MVR", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+        val usdCredit = creditAccounts
+            .filter { it.currencyName.equals("USD", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+
+        if (creditAccounts.isNotEmpty()) {
+            binding.rowCreditCards.visibility = View.VISIBLE
+            binding.cardMvrCredit.visibility = if (mvrCredit > 0) View.VISIBLE else View.GONE
+            binding.cardUsdCredit.visibility = if (usdCredit > 0) View.VISIBLE else View.GONE
+            binding.tvMvrCredit.text = "MVR %,.2f".format(mvrCredit)
+            binding.tvUsdCredit.text = "USD %,.2f".format(usdCredit)
+        } else {
+            binding.rowCreditCards.visibility = View.GONE
+        }
     }
 
+    private val expandedLimits = mutableSetOf<Int>()
+
     private fun updateForeignLimits(entries: List<HomeViewModel.BmlLimitsData>) {
+        val hide = viewModel.hideAmounts.value ?: false
         binding.containerForeignLimits.removeAllViews()
+        var cardIndex = 0
         for (entry in entries) {
             for (limit in entry.limits) {
+                val idx = cardIndex++
                 val card = ItemForeignLimitBinding.inflate(layoutInflater, binding.containerForeignLimits, false)
-                card.tvLimitUserName.text = entry.userName.ifBlank { "BML" }
+                bindLimitCard(card, entry.userName, limit, hide, idx in expandedLimits)
-                card.tvLimitType.text = limit.type
+                card.root.setOnClickListener {
-                card.tvLimitGeneral.text = "USD %,.0f / %,.0f".format(limit.generalRemaining, limit.generalCap)
+                    if (idx in expandedLimits) expandedLimits.remove(idx) else expandedLimits.add(idx)
-                card.tvLimitMedical.text = "USD %,.0f".format(limit.medicalRemaining)
+                    updateForeignLimits(entries)
-                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>) {
+    private fun bindLimitCard(
-        val total = deals.sumOf { it.outstandingAmount }
+        card: ItemForeignLimitBinding,
-        binding.tvPendingFinances.text = "MVR %,.2f".format(total)
+        userName: String,
+        limit: BmlForeignLimit,
+        hide: Boolean,
+        expanded: Boolean
+    ) {
+        card.tvLimitUserName.text = userName.ifBlank { "BML" }
+        card.tvLimitType.text = limit.type
+
+        // ECOM (always visible)
+        card.tvLimitEcom.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
+        card.progressEcom.progress = if (hide || limit.ecomLimit <= 0) 0
+            else ((limit.ecomRemaining / limit.ecomLimit) * 100).toInt().coerceIn(0, 100)
+
+        // General (always visible)
+        card.tvLimitGeneral.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.generalRemaining, limit.generalCap)
+        card.progressGeneral.progress = if (hide || limit.generalCap <= 0) 0
+            else ((limit.generalRemaining / limit.generalCap) * 100).toInt().coerceIn(0, 100)
+
+        // Expanded section
+        val detailsVisible = if (expanded) View.VISIBLE else View.GONE
+        card.dividerLimitDetails.visibility = detailsVisible
+        card.detailsGroup.visibility = detailsVisible
+
+        if (expanded) {
+            // ATM
+            if (!limit.isAtmEnabled) card.tvAtmLabel.append(" (Disabled)")
+            card.tvLimitAtm.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
+            card.progressAtm.progress = if (hide || limit.atmLimit <= 0) 0
+                else ((limit.atmRemaining / limit.atmLimit) * 100).toInt().coerceIn(0, 100)
+
+            // POS
+            if (!limit.isPosEnabled) card.tvPosLabel.append(" (Disabled)")
+            card.tvLimitPos.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.posRemaining, limit.posLimit)
+            card.progressPos.progress = if (hide || limit.posLimit <= 0) 0
+                else ((limit.posRemaining / limit.posLimit) * 100).toInt().coerceIn(0, 100)
+
+            // Medical
+            card.tvLimitMedical.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.medicalRemaining, limit.totalLimit)
+            card.progressMedical.progress = if (hide || limit.totalLimit <= 0) 0
+                else ((limit.medicalRemaining / limit.totalLimit) * 100).toInt().coerceIn(0, 100)
+        }
+    }
+
+    private fun updatePendingFinances() {
+        val hide = viewModel.hideAmounts.value ?: false
+        val mibTotal = (viewModel.financing.value ?: emptyList()).sumOf { it.outstandingAmount }
+        val bmlLoanDetails = viewModel.bmlLoanDetails.value ?: emptyMap()
+        val bmlTotal = bmlLoanDetails.values.sumOf { abs(it.outstandingAmt) }
+        val total = mibTotal + bmlTotal
+        binding.tvPendingFinances.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(total)
     }
 
     override fun onDestroyView() {

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

@@ -5,92 +5,139 @@ import android.view.View
 import android.view.ViewGroup
 import androidx.recyclerview.widget.RecyclerView
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.api.mib.MibFinancingClient
+import sh.sar.basedbank.databinding.ItemBmlLoanBinding
 import sh.sar.basedbank.databinding.ItemFinanceDealBinding
 import java.text.NumberFormat
 import java.text.SimpleDateFormat
 import java.util.Calendar
 import java.util.Locale
+import kotlin.math.abs
+import kotlin.math.ceil
 
-class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
+class FinancingAdapter(mibDeals: List<MibFinanceDeal>) :
-    RecyclerView.Adapter<FinancingAdapter.ViewHolder>() {
+    RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    private sealed class Item {
+        data class Mib(val deal: MibFinanceDeal) : Item()
+        data class Bml(val account: BankAccount, val detail: BmlLoanDetail?) : Item()
+    }
+
+    private var items: List<Item> = mibDeals.map { Item.Mib(it) }
+    private var hideAmounts: Boolean = false
 
     private val expandedPositions = mutableSetOf<Int>()
     private val amountFmt = NumberFormat.getNumberInstance(Locale.US).apply {
         minimumFractionDigits = 2
         maximumFractionDigits = 2
     }
-    private val inputDateFmt = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    private val mibDateFmt = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    private val isoDateFmt = SimpleDateFormat("yyyy-MM-dd'T'HH:mm:ssXXX", Locale.US)
     private val outputDateFmt = SimpleDateFormat("d MMM yyyy", Locale.US)
 
-    fun updateDeals(newDeals: List<MibFinanceDeal>) {
+    fun setHideAmounts(hide: Boolean) {
-        deals = newDeals
+        if (hideAmounts == hide) return
-        expandedPositions.clear()
+        hideAmounts = hide
         notifyDataSetChanged()
     }
 
-    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
+    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>) {
-        val binding = ItemFinanceDealBinding.inflate(LayoutInflater.from(parent.context), parent, false)
+        expandedPositions.clear()
-        return ViewHolder(binding)
+        items = mibDeals.map { Item.Mib(it) } + bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        notifyDataSetChanged()
     }
 
-    override fun onBindViewHolder(holder: ViewHolder, position: Int) {
+    // Legacy compatibility — used on initial empty construction
-        holder.bind(deals[position], position in expandedPositions)
+    fun updateDeals(newDeals: List<MibFinanceDeal>) {
-        holder.binding.root.setOnClickListener {
+        expandedPositions.clear()
+        val bmlItems = items.filterIsInstance<Item.Bml>()
+        items = newDeals.map { Item.Mib(it) } + bmlItems
+        notifyDataSetChanged()
+    }
+
+    fun updateBmlLoans(loans: List<Pair<BankAccount, BmlLoanDetail?>>) {
+        expandedPositions.clear()
+        val mibItems = items.filterIsInstance<Item.Mib>()
+        items = mibItems + loans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemViewType(position: Int) = when (items[position]) {
+        is Item.Mib -> TYPE_MIB
+        is Item.Bml -> TYPE_BML
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return when (viewType) {
+            TYPE_BML -> BmlViewHolder(ItemBmlLoanBinding.inflate(inflater, parent, false))
+            else     -> MibViewHolder(ItemFinanceDealBinding.inflate(inflater, parent, false))
+        }
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        val expanded = position in expandedPositions
+        when (val item = items[position]) {
+            is Item.Mib -> (holder as MibViewHolder).bind(item.deal, expanded)
+            is Item.Bml -> (holder as BmlViewHolder).bind(item.account, item.detail, expanded)
+        }
+        holder.itemView.setOnClickListener {
             val pos = holder.bindingAdapterPosition
             if (pos in expandedPositions) expandedPositions.remove(pos) else expandedPositions.add(pos)
             notifyItemChanged(pos)
         }
     }
 
-    override fun getItemCount() = deals.size
+    override fun getItemCount() = items.size
 
-    inner class ViewHolder(val binding: ItemFinanceDealBinding) :
+    // ── MIB ViewHolder ────────────────────────────────────────────────────────
+
+    inner class MibViewHolder(val binding: ItemFinanceDealBinding) :
         RecyclerView.ViewHolder(binding.root) {
 
         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 ${amountFmt.format(deal.dealAmount)}"
+            binding.tvTotal.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.dealAmount)}"
-            binding.tvPaid.text = "$currency ${amountFmt.format(deal.paidAmount)}"
+            binding.tvPaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.paidAmount)}"
-            binding.tvUnpaid.text = "$currency ${amountFmt.format(deal.outstandingAmount)}"
+            binding.tvUnpaid.text = if (hide) "$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 = mibCompletionText(deal, ctx)
-            binding.tvCompletion.text = completionText(deal, ctx)
 
-            // Expanded details
             val detailsVisible = if (expanded) View.VISIBLE else View.GONE
             binding.dividerDetails.visibility = detailsVisible
             binding.detailsGroup.visibility = detailsVisible
 
             if (expanded) {
-                binding.tvDealDate.text = formatDate(deal.dealDate)
+                binding.tvDealDate.text = formatMibDate(deal.dealDate)
-                binding.tvInstallment.text = "$currency ${amountFmt.format(deal.installmentAmount)}"
+                binding.tvInstallment.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.installmentAmount)}"
                 binding.tvNumInstallments.text = deal.noOfInstallments.toString()
-                binding.tvLastPaidDate.text = formatDate(deal.lastPaidDate)
+                binding.tvLastPaidDate.text = formatMibDate(deal.lastPaidDate)
-                binding.tvLastPayAmount.text = "$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
                 }
             }
         }
 
-        private fun completionText(deal: MibFinanceDeal, ctx: android.content.Context): String {
+        private fun mibCompletionText(deal: MibFinanceDeal, ctx: android.content.Context): String {
             if (deal.outstandingAmount <= 0.0) return ctx.getString(R.string.financing_completion_done)
             val remaining = MibFinancingClient.remainingMonths(deal)
             if (remaining <= 0) return ctx.getString(R.string.financing_completion_done)
@@ -100,12 +147,84 @@ class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
             return ctx.getString(R.string.financing_completion_fmt, month)
         }
 
-        private fun formatDate(raw: String): String {
+        private fun formatMibDate(raw: String): String {
             return try {
-                outputDateFmt.format(inputDateFmt.parse(raw)!!)
+                outputDateFmt.format(mibDateFmt.parse(raw)!!)
-            } catch (_: Exception) {
+            } catch (_: Exception) { raw.take(10) }
-                raw.take(10)
-            }
         }
     }
+
+    // ── BML ViewHolder ────────────────────────────────────────────────────────
+
+    inner class BmlViewHolder(val binding: ItemBmlLoanBinding) :
+        RecyclerView.ViewHolder(binding.root) {
+
+        fun bind(account: BankAccount, detail: BmlLoanDetail?, expanded: Boolean) {
+            val ctx = binding.root.context
+            val currency = account.currencyName
+            val hide = hideAmounts
+
+            binding.tvLoanProduct.text = account.accountTypeName
+                .trim().lowercase().split(" ")
+                .joinToString(" ") { it.replaceFirstChar { c -> c.uppercaseChar() } }
+            binding.tvLoanAccount.text = account.accountNumber
+            binding.tvLoanStatus.text = detail?.loanStatus?.ifBlank { account.statusDesc } ?: account.statusDesc
+
+            val loanAmt  = detail?.loanAmount ?: 0.0
+            val outstanding = if (detail != null) abs(detail.outstandingAmt) else account.availableBalance.toDoubleOrNull() ?: 0.0
+            val paid     = (loanAmt - outstanding).coerceAtLeast(0.0)
+
+            binding.tvLoanTotal.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(loanAmt)}"
+            binding.tvLoanPaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(paid)}"
+            binding.tvLoanOutstanding.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(outstanding)}"
+
+            val progress = if (loanAmt > 0) ((paid / loanAmt) * 100).toInt().coerceIn(0, 100) else 0
+            binding.loanProgressBar.progress = if (hide) 0 else progress
+
+            binding.tvLoanCompletion.text = bmlCompletionText(detail, ctx)
+
+            val detailsVisible = if (expanded) View.VISIBLE else View.GONE
+            binding.loanDividerDetails.visibility = detailsVisible
+            binding.loanDetailsGroup.visibility = detailsVisible
+
+            if (expanded && detail != null) {
+                binding.tvLoanRepayment.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(detail.repayAmount)}"
+                binding.tvLoanIntRate.text = ctx.getString(R.string.loan_rate_fmt, detail.intRate)
+                binding.tvLoanStartDate.text = formatIsoDate(detail.startDate)
+                binding.tvLoanEndDate.text = formatIsoDate(detail.endDate)
+
+                if (detail.overdueAmount > 0) {
+                    binding.loanRowOverdue.visibility = View.VISIBLE
+                    binding.tvLoanOverdue.text = if (hide) "$currency ••••••"
+                        else "$currency ${amountFmt.format(detail.overdueAmount)} (${detail.noOfRepayOverdue})"
+                } else {
+                    binding.loanRowOverdue.visibility = View.GONE
+                }
+            }
+        }
+
+        private fun bmlCompletionText(detail: BmlLoanDetail?, ctx: android.content.Context): String {
+            if (detail == null) return ""
+            val outstanding = abs(detail.outstandingAmt)
+            if (outstanding <= 0.0 || detail.repayAmount <= 0.0)
+                return ctx.getString(R.string.financing_completion_done)
+            val remaining = ceil(outstanding / detail.repayAmount).toInt()
+            if (remaining <= 0) return ctx.getString(R.string.financing_completion_done)
+            val cal = Calendar.getInstance()
+            cal.add(Calendar.MONTH, remaining)
+            val month = SimpleDateFormat("MMMM yyyy", Locale.getDefault()).format(cal.time)
+            return ctx.getString(R.string.financing_completion_fmt, month)
+        }
+
+        private fun formatIsoDate(raw: String): String {
+            return try {
+                outputDateFmt.format(isoDateFmt.parse(raw)!!)
+            } catch (_: Exception) { raw.take(10) }
+        }
+    }
+
+    companion object {
+        private const val TYPE_MIB = 0
+        private const val TYPE_BML = 1
+    }
 }

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

@@ -4,10 +4,15 @@ 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
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.mib.MibFinanceDeal
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentFinancingBinding
 
 class FinancingFragment : Fragment() {
@@ -16,6 +21,10 @@ class FinancingFragment : Fragment() {
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
     private lateinit var adapter: FinancingAdapter
+    private var financingRefreshing = false
+
+    private var latestMibDeals: List<MibFinanceDeal> = emptyList()
+    private var latestBmlLoanDetails: Map<String, BmlLoanDetail> = emptyMap()
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentFinancingBinding.inflate(inflater, container, false)
@@ -27,11 +36,47 @@ 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
+        }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            financingRefreshing = true
+            (activity as? HomeActivity)?.triggerRefreshFinancing()
+        }
+
+        viewModel.accounts.observe(viewLifecycleOwner) { rebuildAdapter() }
         viewModel.financing.observe(viewLifecycleOwner) { deals ->
-            adapter.updateDeals(deals)
+            latestMibDeals = deals
-            binding.recyclerView.visibility = if (deals.isEmpty()) View.GONE else View.VISIBLE
+            rebuildAdapter()
-            binding.emptyView.visibility = if (deals.isEmpty()) View.VISIBLE else View.GONE
+        }
-            binding.loadingView.visibility = View.GONE
+        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) { details ->
+            latestBmlLoanDetails = details
+            rebuildAdapter()
+        }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+    }
+
+    private fun rebuildAdapter() {
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val loanAccounts = accounts.filter { it.profileType == "BML_LOAN" }
+        val bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>> =
+            loanAccounts.map { acc -> acc to latestBmlLoanDetails[acc.internalId] }
+
+        adapter.update(latestMibDeals, bmlLoans)
+
+        val isEmpty = latestMibDeals.isEmpty() && bmlLoans.isEmpty()
+        binding.recyclerView.visibility = if (isEmpty) View.GONE else View.VISIBLE
+        binding.emptyView.visibility = if (isEmpty) View.VISIBLE else View.GONE
+        binding.loadingView.visibility = View.GONE
+        if (financingRefreshing) {
+            financingRefreshing = false
+            binding.swipeRefresh.isRefreshing = false
         }
     }
 

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

@@ -9,13 +9,20 @@ 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.OnBackPressedCallback
 import androidx.activity.viewModels
 import androidx.appcompat.app.ActionBarDrawerToggle
+import androidx.core.view.GravityCompat
 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
@@ -31,17 +38,25 @@ 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.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlActivationResult
+import sh.sar.basedbank.api.bml.BmlContactsClient
+import sh.sar.basedbank.api.bml.BmlForeignLimitsClient
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.fahipay.FahipayAccountClient
+import sh.sar.basedbank.api.fahipay.FahipayContactsClient
 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.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.databinding.ActivityHomeBinding
 import sh.sar.basedbank.ui.login.LoginActivity
-import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.api.models.BankContact
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibCardsClient
 import sh.sar.basedbank.api.mib.MibFinancingClient
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibSession
@@ -59,6 +74,10 @@ class HomeActivity : AppCompatActivity() {
     private lateinit var toggle: ActionBarDrawerToggle
     private var suppressBottomNavCallback = false
 
+    private var backPressedOnce = false
+    private val backPressHandler = Handler(Looper.getMainLooper())
+    private val resetBackPress = Runnable { backPressedOnce = false }
+
     private val autolockHandler = Handler(Looper.getMainLooper())
     private var warningDialog: AlertDialog? = null
     private var countdownTimer: CountDownTimer? = null
@@ -106,16 +125,33 @@ 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) {
+            val frag = when (item.itemId) {
-                R.id.nav_dashboard -> { show(DashboardFragment()); true }
+                R.id.nav_dashboard        -> DashboardFragment()
-                R.id.nav_accounts -> { show(AccountsFragment()); true }
+                R.id.nav_accounts         -> AccountsFragment()
-                R.id.nav_contacts -> { show(ContactsFragment()); true }
+                R.id.nav_contacts         -> ContactsFragment()
-                R.id.nav_transfer -> { show(TransferFragment()); true }
+                R.id.nav_transfer         -> TransferFragment()
-                R.id.nav_more -> { show(MoreFragment()); true }
+                R.id.nav_pay_mv_qr        -> PayMvQrFragment()
-                else -> false
+                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()
+                R.id.nav_pay_with_card    -> PayWithCardFragment()
+                R.id.nav_card_settings    -> CardSettingsFragment()
+                else -> null
             }
+            if (frag != null) show(frag)
+            else Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+            true
         }
 
         applyNavMode()
@@ -128,68 +164,118 @@ 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 = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
-            val merged = mibAccounts + app.bmlAccounts + app.fahipayAccounts
+            viewModel.accounts.value = merged.filterVisibleAccounts()
-            viewModel.accounts.value = merged
+            if (app.mibAccounts.isNotEmpty()) AccountCache.save(this, app.mibAccounts)
-            if (mibAccounts.isNotEmpty()) AccountCache.save(this, 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 cachedBmlLoans = FinancingCache.loadBmlLoans(this)
+            if (cachedBmlLoans.isNotEmpty()) viewModel.bmlLoanDetails.value = cachedBmlLoans
             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)
+            refreshBmlLoanDetails()
         } 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)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
+            val cachedBmlLoans = FinancingCache.loadBmlLoans(this)
+            if (cachedBmlLoans.isNotEmpty()) viewModel.bmlLoanDetails.value = cachedBmlLoans
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
-            autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
+            autoRefresh(store)
         }
 
+        viewModel.hideAmounts.value = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("hide_amounts", 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
+        onBackPressedDispatcher.addCallback(this, object : OnBackPressedCallback(true) {
+            override fun handleOnBackPressed() {
+                // Close drawer if open (drawer-nav mode)
+                if (binding.drawerLayout.isDrawerOpen(GravityCompat.START)) {
+                    binding.drawerLayout.closeDrawers()
+                    return
+                }
+                // Pop fragment back stack if there's anything on it (e.g. showWithBackStack)
+                if (supportFragmentManager.backStackEntryCount > 0) {
+                    supportFragmentManager.popBackStack()
+                    return
+                }
+                // In bottom nav mode, pressing back navigates up the hierarchy
+                val isBottomNav = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
+                if (isBottomNav && binding.bottomNavigation.selectedItemId != R.id.nav_dashboard) {
+                    val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
+                    // Sub-page reached via More (e.g. Settings, Activities) — go back to More
+                    if (binding.bottomNavigation.selectedItemId == R.id.nav_more && currentFrag !is MoreFragment) {
+                        show(MoreFragment())
+                        return
+                    }
+                    binding.bottomNavigation.selectedItemId = R.id.nav_dashboard
+                    return
+                }
+                // At top level — require double-tap to exit
+                if (backPressedOnce) {
+                    backPressHandler.removeCallbacks(resetBackPress)
+                    finish()
+                } else {
+                    backPressedOnce = true
+                    Toast.makeText(this@HomeActivity, R.string.press_back_to_exit, Toast.LENGTH_SHORT).show()
+                    backPressHandler.postDelayed(resetBackPress, 2000)
+                }
+            }
+        })
+
+        // 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
+                    val sessions = (application as BasedBankApp).mibSessions.values.toList()
-                    withContext(Dispatchers.IO) {
+                    for (session in sessions) {
-                        try {
+                        withContext(Dispatchers.IO) {
-                            val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
+                            try {
-                                "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
+                                val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
-                            val request = Request.Builder()
+                                    "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
-                                .url("https://faisamobilex-wv.mib.com.mv/aProfile/keepAlive")
+                                val request = Request.Builder()
-                                .post(ByteArray(0).toRequestBody())
+                                    .url("https://faisamobilex-wv.mib.com.mv/aProfile/keepAlive")
-                                .header("Cookie", cookieHeader)
+                                    .post(ByteArray(0).toRequestBody())
-                                .header("User-Agent", "okhttp/4.11.0")
+                                    .header("Cookie", cookieHeader)
-                                .header("Accept", "application/json, text/plain, */*")
+                                    .header("User-Agent", "okhttp/4.11.0")
-                                .header("Accept-Encoding", "gzip")
+                                    .header("Accept", "application/json, text/plain, */*")
-                                .header("Connection", "Keep-Alive")
+                                    .header("Accept-Encoding", "gzip")
-                                .build()
+                                    .header("Connection", "Keep-Alive")
-                            OkHttpClient().newCall(request).execute().close()
+                                    .build()
-                        } catch (_: Exception) {}
+                                OkHttpClient().newCall(request).execute().close()
+                            } catch (_: Exception) {}
+                        }
                     }
                 }
             }
@@ -203,12 +289,15 @@ 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 +306,67 @@ 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_dashboard        -> DashboardFragment()
-            R.id.nav_accounts -> AccountsFragment()
+            R.id.nav_accounts         -> AccountsFragment()
-            R.id.nav_contacts -> ContactsFragment()
+            R.id.nav_contacts         -> ContactsFragment()
-            R.id.nav_transfer -> TransferFragment()
+            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_finances         -> FinancingFragment()
-            R.id.nav_otp -> OtpFragment()
+            R.id.nav_otp              -> OtpFragment()
-            R.id.nav_settings -> SettingsFragment()
+            R.id.nav_settings         -> SettingsFragment()
+            R.id.nav_pay_with_card    -> PayWithCardFragment()
+            R.id.nav_card_settings    -> CardSettingsFragment()
             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) {
-        if (binding.bottomNavigation.visibility == View.VISIBLE && itemId in bottomNavIds) {
+            val bottomNavIds = (0 until binding.bottomNavigation.menu.size())
-            suppressBottomNavCallback = true
+                .map { binding.bottomNavigation.menu.getItem(it).itemId }.toSet()
-            binding.bottomNavigation.selectedItemId = itemId
+            val selectId = if (itemId in bottomNavIds) itemId else if (R.id.nav_more in bottomNavIds) R.id.nav_more else null
-            suppressBottomNavCallback = false
+            if (selectId != null) {
+                suppressBottomNavCallback = true
+                binding.bottomNavigation.selectedItemId = selectId
+                suppressBottomNavCallback = false
+            }
         }
     }
 
@@ -246,6 +377,19 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
+    fun triggerRefresh() {
+        autoRefresh(CredentialStore(this))
+    }
+
+    fun triggerRefreshFinancing() {
+        val app = application as BasedBankApp
+        for ((loginId, session) in app.mibSessions) {
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+        }
+        refreshBmlLoanDetails()
+    }
+
     fun setRefreshing(visible: Boolean) {
         binding.refreshIndicator.visibility = if (visible) View.VISIBLE else View.GONE
     }
@@ -259,11 +403,12 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onResume() {
         super.onResume()
-        // Returning from LockActivity — skip the elapsed check and reset state.
+        // Returning from LockActivity — refresh sessions since they may have expired.
         if (isLocked) {
             isLocked = false
             pauseTime = 0L
             resetAutolockTimer()
+            autoRefresh(CredentialStore(this))
             return
         }
         // If we were away long enough to have hit the autolock timeout (e.g. while
@@ -276,6 +421,9 @@ class HomeActivity : AppCompatActivity() {
                 lock()
                 return
             }
+            if (elapsed > 45_000L) {
+                autoRefresh(CredentialStore(this))
+            }
         }
         resetAutolockTimer()
     }
@@ -339,12 +487,34 @@ 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
     }
 
     override fun onOptionsItemSelected(item: MenuItem): Boolean {
         if (item.itemId == R.id.action_lock) {
-            lock()
+            val avd = getDrawable(R.drawable.avd_lock) as? android.graphics.drawable.AnimatedVectorDrawable
+            if (avd != null) {
+                item.icon = avd
+                avd.start()
+                Handler(Looper.getMainLooper()).postDelayed({ lock() }, 200)
+            } else {
+                lock()
+            }
+            return true
+        }
+        if (item.itemId == R.id.action_hide_amounts) {
+            val newHidden = !(viewModel.hideAmounts.value ?: false)
+            viewModel.hideAmounts.value = newHidden
+            getSharedPreferences("prefs", MODE_PRIVATE).edit().putBoolean("hide_amounts", newHidden).apply()
+            val avd = getDrawable(if (newHidden) R.drawable.avd_hide_amounts else R.drawable.avd_show_amounts)
+                    as? android.graphics.drawable.AnimatedVectorDrawable
+            item.icon = avd
+            avd?.start()
             return true
         }
         return super.onOptionsItemSelected(item)
@@ -353,50 +523,47 @@ class HomeActivity : AppCompatActivity() {
 
     fun relogin() {
         val store = CredentialStore(this)
-        val hasMib = store.hasMibCredentials()
+        val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
-        val hasFahipay = store.hasFahipayCredentials()
+        val fahipayLoginIds = store.getFahipayLoginIds()
-        if (!hasMib && bmlLoginIds.isEmpty() && !hasFahipay) {
+        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.bank == "MIB") return@filter acc.loginTag.removePrefix("mib_") in mibLoginIds
-            if (acc.profileType.startsWith("BML")) {
+            if (acc.bank == "BML") return@filter acc.loginTag.removePrefix("bml_") in bmlLoginIds
-                val loginId = acc.loginTag.removePrefix("bml_")
+            if (acc.bank == "FAHIPAY") return@filter acc.loginTag.removePrefix("fahipay_") in fahipayLoginIds
-                return@filter loginId in bmlLoginIds
-            }
-            if (!hasFahipay && acc.profileType == "FAHIPAY") return@filter false
             true
         }
-        autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
+        autoRefresh(store)
     }
 
-    private fun autoRefresh(
+    private fun autoRefresh(store: CredentialStore) {
-        mibCreds: CredentialStore.MibCredentials?,
+        val mibLoginIds = store.getMibLoginIds()
-        fahipayCreds: CredentialStore.FahipayCredentials?,
-        store: CredentialStore
-    ) {
         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 {
+            // One async job per MIB login, all run in parallel
-                async(Dispatchers.IO) {
+            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.mibSessions[loginId] = flow.lastSession!!
-                        app.mibSession = flow.lastSession
+                        app.mibProfilesMap[loginId] = flow.lastProfiles
-                        app.mibProfiles = flow.lastProfiles
+                        app.mibLoginFlows[loginId] = flow
-                        AccountCache.save(this@HomeActivity, accounts)
+                        store.saveMibProfiles(loginId, flow.lastProfiles)
                         accounts
-                    } catch (_: Exception) { AccountCache.load(this@HomeActivity) }
+                    } catch (_: Exception) { AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" } }
                 }
             }
 
@@ -404,104 +571,192 @@ 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<BankAccount>()
+                    var anyExpired = savedProfiles.isEmpty()
 
-                    if (savedToken != null) {
+                    // Try each saved profile's cached session
-                        try {
+                    for (profile in savedProfiles) {
-                            val session = BmlSession(savedToken.first, savedToken.second)
+                        val saved = store.loadBmlProfileSession(profile.profileId)
-                            val accounts = bmlFlow.fetchAccounts(session, loginTag)
+                        if (saved != null) {
-                            val app = application as BasedBankApp
+                            try {
-                            app.bmlSessions[loginId] = session
+                                val session = BmlSession(saved.first, saved.second)
-                            AccountCache.saveBml(this@HomeActivity, loginId, accounts)
+                                val accounts = BmlAccountClient().fetchAccounts(session, loginTag, profile.name, profile.profileId)
-                            return@async Pair(session, accounts)
+                                app.bmlSessions[profile.profileId] = session
-                        } catch (_: AuthExpiredException) {
+                                allAccounts += accounts
-                        } catch (_: Exception) {
+                            } catch (_: AuthExpiredException) { anyExpired = true
+                            } catch (_: Exception) { anyExpired = true }
+                        } else {
+                            anyExpired = true
                         }
                     }
 
-                    try {
+                    if (savedProfiles.isNotEmpty()) app.bmlProfilesMap[loginId] = savedProfiles
-                        val (session, accounts) = bmlFlow.login(creds.username, creds.password, creds.otpSeed)
+
-                        store.saveBmlSession(loginId, session.accessToken, session.deviceId)
+                    // Also try legacy single-profile session token (pre-multi-profile installs)
-                        val app = application as BasedBankApp
+                    if (savedProfiles.isEmpty()) {
-                        app.bmlSessions[loginId] = session
+                        val legacyToken = store.loadBmlSession(loginId)
-                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
+                        if (legacyToken != null) {
-                        Pair(session, accounts)
+                            try {
-                    } catch (_: Exception) {
+                                val session = BmlSession(legacyToken.first, legacyToken.second)
-                        Pair(null, AccountCache.loadBml(this@HomeActivity, loginId))
+                                val accounts = BmlAccountClient().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<BankAccount>
                 }
             }
 
-            val fahipayJob = fahipayCreds?.let { creds ->
+            // One async job per Fahipay login, all run in parallel
-                async(Dispatchers.IO) {
+            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 = FahipayAccountClient().fetchBalance(session)
-                            val balance = fahipayFlow.fetchBalance(session)
+                            val profile = FahipayAccountClient().fetchProfile(session)
-                            val profile = fahipayFlow.fetchProfile(session)
+                            val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
-                            val loginTag = "fahipay_${profile.profileId}"
-                            val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
                             val app = application as BasedBankApp
-                            app.fahipaySession = session
+                            app.fahipaySessions[loginId] = session
-                            app.fahipayAccounts = accounts
+                            AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
-                            AccountCache.saveFahipay(this@HomeActivity, accounts)
+                            return@async accounts
-                            return@async Pair(session, accounts)
+                        } catch (_: Exception) { }
-                        } 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 profile = FahipayAccountClient().fetchProfile(session)
-                        val balance = fahipayFlow.fetchBalance(session)
+                        val balance = FahipayAccountClient().fetchBalance(session)
-                        val loginTag = "fahipay_${profile.profileId}"
+                        val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
-                        val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
                         val app = application as BasedBankApp
-                        app.fahipaySession = session
+                        app.fahipaySessions[loginId] = session
-                        app.fahipayAccounts = accounts
+                        AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
-                        AccountCache.saveFahipay(this@HomeActivity, accounts)
+                        accounts
-                        Pair(session, accounts)
                     } catch (_: Exception) {
-                        Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+                        AccountCache.loadFahipay(this@HomeActivity, loginId)
                     }
                 }
             }
 
-            val mibAccounts = mibJob?.await() ?: AccountCache.load(this@HomeActivity)
+            val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
-            val bmlResults = bmlJobs.map { (_, job) -> job.await() }
+            val mibAccounts = mibResults.flatMap { it.second }
-            val bmlAccounts = bmlResults.flatMap { it.second }
+            val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
-            val (_, fahipayAccounts) = fahipayJob?.await() ?: Pair(null, AccountCache.loadFahipay(this@HomeActivity))
+            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))
+            }
+            refreshBmlLoanDetails()
         }
     }
 
+    /** Filters accounts whose profileId the user has hidden in settings. */
+    private fun List<BankAccount>.filterVisibleAccounts(): List<BankAccount> {
+        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 {
             try {
                 val (userName, limits) = withContext(Dispatchers.IO) {
-                    Pair(bmlFlow.fetchUserInfo(session)?.fullName ?: "", bmlFlow.fetchForeignLimits(session))
+                    Pair(BmlAccountClient().fetchUserInfo(session)?.fullName ?: "", BmlForeignLimitsClient().fetchForeignLimits(session))
                 }
                 val existing = viewModel.bmlLimits.value?.toMutableList() ?: mutableListOf()
                 val idx = existing.indexOfFirst { it.userName == userName }
@@ -515,11 +770,13 @@ 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 contacts = BmlLoginFlow().fetchContacts(session, loginId)
+                        val session = app.anyBmlSessionFor(loginId) ?: return@flatMap emptyList()
+                        val contacts = BmlContactsClient().fetchContacts(session, loginId)
                         if (contacts.isNotEmpty()) ContactsCache.saveBml(this@HomeActivity, loginId, contacts)
                         contacts
                     }
@@ -550,22 +807,23 @@ 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) {
         lifecycleScope.launch {
             try {
                 val groups = withContext(Dispatchers.IO) {
-                    val flow = FahipayLoginFlow()
+                    FahipayContactsClient().fetchContacts(session)
-                    flow.setSessionCookie(session.sessionCookie)
-                    flow.fetchContacts(session)
                 }
                 if (groups.isEmpty()) return@launch
                 val contacts = groups.flatMap { it.contacts }
-                val categories = groups.map { MibBeneficiaryCategory(it.categoryId, it.label, it.contacts.size) }
+                val categories = groups.map { BankContactCategory(it.categoryId, it.label, it.contacts.size) }
                 ContactsCache.saveFahipay(this@HomeActivity, contacts, categories)
                 val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
                 val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
@@ -578,27 +836,27 @@ class HomeActivity : AppCompatActivity() {
     }
 
     private fun mergeContacts(
-        mib: List<MibBeneficiary>,
+        mib: List<BankContact>,
-        bml: List<MibBeneficiary>
+        bml: List<BankContact>
-    ): List<MibBeneficiary> {
+    ): List<BankContact> {
         val seen = mutableSetOf<String>()
-        val result = mutableListOf<MibBeneficiary>()
+        val result = mutableListOf<BankContact>()
         for (c in mib) if (seen.add(c.benefNo)) result.add(c)
         for (c in bml) if (seen.add(c.benefNo)) result.add(c)
         return result
     }
 
-    private fun refreshContacts(session: MibSession?, profiles: List<MibProfile>) {
+    private fun refreshContacts(loginId: String, session: MibSession, profiles: List<MibProfile>) {
-        if (session == null || profiles.isEmpty()) return
+        if (profiles.isEmpty()) return
-        val flow = MibLoginFlow(CredentialStore(this))
+        val flow = (application as BasedBankApp).mibFlowFor(loginId)
         val contactsClient = MibContactsClient()
         lifecycleScope.launch {
             try {
                 val (allContacts, allCategories) = withContext(Dispatchers.IO) {
                     val seenContacts = mutableSetOf<String>()
                     val seenCategories = mutableSetOf<String>()
-                    val contacts = mutableListOf<MibBeneficiary>()
+                    val contacts = mutableListOf<BankContact>()
-                    val categories = mutableListOf<MibBeneficiaryCategory>()
+                    val categories = mutableListOf<BankContactCategory>()
                     for (profile in profiles) {
                         try {
                             flow.switchProfile(session, profile)
@@ -615,8 +873,8 @@ class HomeActivity : AppCompatActivity() {
                 }
                 if (allContacts.isNotEmpty()) {
                     ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
+                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
+                    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))
@@ -626,60 +884,141 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
-    fun refreshBalances(src: MibAccount) {
+    fun refreshBalances(src: BankAccount) {
         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()
+                        val balance = FahipayAccountClient().fetchBalance(sess)
-                        flow.setSessionCookie(sess.sessionCookie)
+                        val profile = FahipayAccountClient().fetchProfile(sess)
-                        val balance = flow.fetchBalance(sess)
-                        val profile = flow.fetchProfile(sess)
                         val loginTag = "fahipay_${profile.profileId}"
-                        val accounts = listOf(flow.buildAccount(profile, balance, loginTag))
+                        val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
-                        AccountCache.saveFahipay(this@HomeActivity, accounts)
+                        val loginId = src.loginTag.removePrefix("fahipay_")
-                        app.fahipayAccounts = accounts
+                        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
                     try {
-                        val accounts = BmlLoginFlow().fetchAccounts(sess, src.loginTag)
+                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag)
                         AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                         val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
                         app.bmlAccounts = otherBml + accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val otherAccounts = current.filter { !it.profileType.startsWith("BML") || it.loginTag != src.loginTag }
+                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 store = CredentialStore(this@HomeActivity)
-                    val profile = app.mibProfiles.firstOrNull { it.profileId == src.profileId } ?: return@withContext null
+                    val hidden = store.getHiddenMibProfileIds(loginId)
-                    try { MibLoginFlow(CredentialStore(this@HomeActivity)).fetchAllProfiles(sess, listOf(profile), src.loginTag) }
+                    val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-                    catch (_: Exception) { null }
+                    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
+                // Replace accounts for this MIB login
-                val others = current.filter { it.profileId != src.profileId || it.profileType.startsWith("BML") }
+                val others = current.filter { it.loginTag != src.loginTag }
-                val merged = others + fresh
+                val newMibAccounts = app.mibAccounts.filter { it.loginTag != src.loginTag } + fresh
-                AccountCache.save(this@HomeActivity, merged.filter { !it.profileType.startsWith("BML") })
+                app.mibAccounts = newMibAccounts
-                viewModel.accounts.postValue(merged)
+                AccountCache.save(this@HomeActivity, newMibAccounts)
+                viewModel.accounts.postValue(others + fresh)
             }
         }
     }
 
-    private fun refreshFinancing(session: MibSession?, profiles: List<MibProfile>) {
+    private fun refreshBmlLoanDetails() {
-        if (session == null || profiles.isEmpty()) return
+        val app = application as BasedBankApp
-        val flow = MibLoginFlow(CredentialStore(this))
+        val loanAccounts = app.bmlAccounts.filter { it.profileType == "BML_LOAN" }
+        if (loanAccounts.isEmpty()) return
+        lifecycleScope.launch {
+            try {
+                val details = withContext(Dispatchers.IO) {
+                    val map = mutableMapOf<String, BmlLoanDetail>()
+                    for (acc in loanAccounts) {
+                        val session = app.bmlSessionFor(acc) ?: continue
+                        try {
+                            val detail = BmlAccountClient().fetchLoanDetail(session, acc.internalId)
+                            if (detail != null) map[acc.internalId] = detail
+                        } catch (_: Exception) { /* keep existing */ }
+                    }
+                    map
+                }
+                if (details.isNotEmpty()) {
+                    val merged = (viewModel.bmlLoanDetails.value ?: emptyMap()) + details
+                    FinancingCache.saveBmlLoans(this@HomeActivity, merged)
+                    viewModel.bmlLoanDetails.postValue(merged)
+                }
+            } catch (_: Exception) { /* keep cached data */ }
+        }
+    }
+
+    fun triggerRefreshCards() {
+        val app = application as BasedBankApp
+        for ((loginId, session) in app.mibSessions) {
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshMibCards(loginId, session, profiles)
+        }
+    }
+
+    private fun refreshMibCards(loginId: String, session: MibSession, profiles: List<MibProfile>) {
+        if (profiles.isEmpty()) return
+        val flow = (application as BasedBankApp).mibFlowFor(loginId)
+        val client = MibCardsClient()
+        lifecycleScope.launch {
+            try {
+                val cards = withContext(Dispatchers.IO) {
+                    val result = mutableListOf<sh.sar.basedbank.api.mib.MibCard>()
+                    val seen = mutableSetOf<String>()
+                    for (profile in profiles) {
+                        try {
+                            flow.switchProfile(session, profile)
+                            for (card in client.fetchCards(session, "mib_$loginId")) {
+                                if (seen.add(card.cardId)) result += card
+                            }
+                        } catch (_: Exception) { }
+                    }
+                    result
+                }
+                if (cards.isNotEmpty()) {
+                    val existing = viewModel.mibCards.value?.toMutableList() ?: mutableListOf()
+                    existing.removeAll { it.loginTag == "mib_$loginId" }
+                    existing += cards
+                    viewModel.mibCards.postValue(existing)
+                }
+            } catch (_: Exception) { }
+        }
+    }
+
+    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

@@ -3,17 +3,25 @@ package sh.sar.basedbank.ui.home
 import androidx.lifecycle.MutableLiveData
 import androidx.lifecycle.ViewModel
 import sh.sar.basedbank.api.bml.BmlForeignLimit
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.bml.BmlLoanDetail
-import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.api.models.BankAccount
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 
 class HomeViewModel : ViewModel() {
-    val accounts = MutableLiveData<List<MibAccount>>(emptyList())
+    val accounts = MutableLiveData<List<BankAccount>>(emptyList())
     val financing = MutableLiveData<List<MibFinanceDeal>>(emptyList())
-    val contacts = MutableLiveData<List<MibBeneficiary>>(emptyList())
+    /** BML loan details keyed by account internalId. */
-    val contactCategories = MutableLiveData<List<MibBeneficiaryCategory>>(emptyList())
+    val bmlLoanDetails = MutableLiveData<Map<String, BmlLoanDetail>>(emptyMap())
+    val contacts = MutableLiveData<List<BankContact>>(emptyList())
+    val contactCategories = MutableLiveData<List<BankContactCategory>>(emptyList())
 
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
+
+    val mibCards = MutableLiveData<List<MibCard>?>(null)
+
+    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 +8,24 @@ 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<ImageView>(R.id.ivIcon).setImageResource(item.iconRes)
-            row.findViewById<TextView>(R.id.tvLabel).setText(item.title)
+            row.findViewById<TextView>(R.id.tvLabel).setText(item.titleRes)
+            row.findViewById<TextView>(R.id.tvDescription).setText(item.descriptionRes)
             row.setOnClickListener { (requireActivity() as HomeActivity).navigateTo(item.id) }
             list.addView(row)
         }

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

@@ -0,0 +1,63 @@
+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,
+        @StringRes val descriptionRes: 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,         R.string.nav_desc_accounts),
+        NavItemDef(R.id.nav_contacts,         R.drawable.ic_contacts,             R.string.nav_contacts,         R.string.nav_desc_contacts),
+        NavItemDef(R.id.nav_transfer,         R.drawable.ic_send,                 R.string.transfer,             R.string.nav_desc_transfer),
+        NavItemDef(R.id.nav_pay_mv_qr,        R.drawable.ic_qr_scan,              R.string.pay_mv_qr,            R.string.nav_desc_pay_mv_qr),
+        NavItemDef(R.id.nav_activities,       R.drawable.ic_nav_activities,       R.string.nav_activities,       R.string.nav_desc_activities),
+        NavItemDef(R.id.nav_transfer_history, R.drawable.ic_nav_transfer_history, R.string.nav_transfer_history, R.string.nav_desc_transfer_history),
+        NavItemDef(R.id.nav_finances,         R.drawable.ic_nav_finances,         R.string.nav_finances,         R.string.nav_desc_finances),
+        NavItemDef(R.id.nav_pay_with_card,    R.drawable.ic_nav_card,             R.string.nav_pay_with_card,    R.string.nav_desc_pay_with_card),
+        NavItemDef(R.id.nav_card_settings,    R.drawable.ic_nav_card,             R.string.nav_card_settings,    R.string.nav_desc_card_settings),
+        NavItemDef(R.id.nav_otp,              R.drawable.ic_nav_otp,              R.string.nav_otp,              R.string.nav_desc_otp),
+        NavItemDef(R.id.nav_settings,         R.drawable.ic_nav_settings,         R.string.nav_settings,         R.string.nav_desc_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

@@ -14,7 +14,8 @@ import kotlinx.coroutines.isActive
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
-import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.mib.MibProfileClient
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.databinding.FragmentOtpBinding
 import sh.sar.basedbank.databinding.ItemOtpCardBinding
@@ -71,8 +72,9 @@ class OtpFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         val entries = mutableListOf<OtpEntry>()
-        store.loadMibCredentials()?.let { creds ->
+        for (loginId in store.getMibLoginIds()) {
-            val name = store.loadMibFullName()
+            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 +90,23 @@ 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) {
+            for (loginId in store.getMibLoginIds()) {
-                app.mibSession?.let { session ->
+                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 { MibProfileClient().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 }
                     }
                 }
@@ -110,7 +115,7 @@ class OtpFragment : Fragment() {
                 if (store.loadBmlUserProfile(loginId)?.fullName.isNullOrBlank()) {
                     val session = app.bmlSessions[loginId] ?: continue
                     val info = withContext(Dispatchers.IO) {
-                        try { BmlLoginFlow().fetchUserInfo(session) } catch (_: Exception) { null }
+                        try { BmlAccountClient().fetchUserInfo(session) } catch (_: Exception) { null }
                     }
                     if (info != null) {
                         store.saveBmlUserProfile(loginId, CredentialStore.BmlUserProfile(

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.models.BankAccount
+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: BankAccount? = 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: BankAccount,
+        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<BankAccount>
+    ) : BaseAdapter(), Filterable {
+
+        fun getAccount(position: Int): BankAccount? = 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${acc.accountBriefName}"
+            b.tvDropdownAccountNumber.text = acc.accountNumber
+            b.tvDropdownBalance.text = ""
+            b.root.alpha = 1f
+            return b.root
+        }
+
+        override fun getFilter() = object : Filter() {
+            override fun performFiltering(c: CharSequence?) =
+                FilterResults().apply { values = accounts; count = accounts.size }
+            override fun publishResults(c: CharSequence?, r: FilterResults?) = notifyDataSetChanged()
+            override fun convertResultToString(r: Any?) =
+                (r as? BankAccount)?.let {
+                    val prefix = if (it.bank == "BML" && it.profileName.isNotBlank()) "${it.profileName} · " else ""
+                    "$prefix${it.accountBriefName}"
+                } ?: ""
+        }
+    }
+}

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

@@ -0,0 +1,141 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.graphics.BitmapFactory
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.TextView
+import android.widget.Toast
+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
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibCard
+import sh.sar.basedbank.databinding.FragmentPayWithCardBinding
+
+class PayWithCardFragment : Fragment() {
+
+    private var _binding: FragmentPayWithCardBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentPayWithCardBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val adapter = CardWalletAdapter(emptyList(), requireContext())
+        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.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefreshCards()
+        }
+
+        viewModel.mibCards.observe(viewLifecycleOwner) { cards ->
+            if (cards == null) return@observe
+            adapter.update(cards)
+            binding.loadingView.visibility = View.GONE
+            binding.swipeRefresh.isRefreshing = false
+            binding.emptyView.visibility = if (cards.isEmpty()) View.VISIBLE else View.GONE
+            binding.recyclerView.visibility = if (cards.isEmpty()) View.GONE else View.VISIBLE
+        }
+
+        if (viewModel.mibCards.value == null) {
+            binding.loadingView.visibility = View.VISIBLE
+            (activity as? HomeActivity)?.triggerRefreshCards()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_pay_with_card)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private inner class CardWalletAdapter(
+        private var cards: List<MibCard>,
+        private val context: Context
+    ) : RecyclerView.Adapter<CardWalletAdapter.VH>() {
+
+        fun update(newCards: List<MibCard>) {
+            cards = newCards
+            notifyDataSetChanged()
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
+            VH(LayoutInflater.from(context).inflate(R.layout.item_card_wallet, parent, false))
+
+        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun getItemCount() = cards.size
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
+            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
+            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
+            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
+            private val btnPayQr: View = view.findViewById(R.id.btnPayQr)
+            private val btnPayNfc: View = view.findViewById(R.id.btnPayNfc)
+
+            fun bind(card: MibCard) {
+                tvCardOwner.text = card.cardHolderName
+                tvCardNumber.text = formatMasked(card.maskedCardNumber)
+                tvCardType.text = card.cardTypeDesc
+                loadCardImage(ivCardImage, cardImageAsset(card))
+                btnPayQr.setOnClickListener {
+                    Toast.makeText(context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+                }
+                btnPayNfc.setOnClickListener {
+                    Toast.makeText(context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+                }
+            }
+        }
+    }
+
+    companion object {
+        fun cardImageAsset(card: MibCard): String {
+            val desc = card.cardTypeDesc.lowercase()
+            return when {
+                "corporate" in desc || "business" in desc -> "cards/mib/visa_business.jpg"
+                "platinum" in desc -> "cards/mib/cards-platinum-bg-w-logo-1.jpg"
+                else -> "cards/mib/cards-blue-bg-w-logo-1.jpg"
+            }
+        }
+
+        fun loadCardImage(imageView: ImageView, assetPath: String) {
+            try {
+                val bitmap = imageView.context.assets.open(assetPath).use {
+                    BitmapFactory.decodeStream(it)
+                }
+                imageView.setImageBitmap(bitmap)
+            } catch (_: Exception) {
+                imageView.setImageResource(android.R.color.darker_gray)
+            }
+        }
+
+        fun formatMasked(masked: String): String {
+            if (masked.length < 4) return masked
+            return "\u2022\u2022\u2022\u2022 ${masked.takeLast(4)}"
+        }
+    }
+}

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/SettingsFragment.kt

@@ -17,14 +17,15 @@ class SettingsFragment : Fragment() {
     private data class SettingsItem(
         @DrawableRes val icon: Int,
         @StringRes val title: Int,
+        @StringRes val description: Int,
         val dest: () -> Fragment
     )
 
     private val items = listOf(
-        SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins)           { SettingsLoginsFragment() },
+        SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins,          R.string.settings_desc_logins)           { SettingsLoginsFragment() },
-        SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance)        { SettingsAppearanceFragment() },
+        SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance,       R.string.settings_desc_appearance)       { SettingsAppearanceFragment() },
-        SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security)  { SettingsSecurityFragment() },
+        SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security, R.string.settings_desc_privacy_security) { SettingsSecurityFragment() },
-        SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage)           { SettingsStorageFragment() },
+        SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage,          R.string.settings_desc_storage)          { SettingsStorageFragment() },
     )
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
@@ -37,6 +38,7 @@ class SettingsFragment : Fragment() {
             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<TextView>(R.id.tvDescription).setText(item.description)
             row.setOnClickListener {
                 (requireActivity() as HomeActivity).showWithBackStack(item.dest())
             }

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

@@ -11,9 +11,13 @@ import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.TextView
 import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
 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
@@ -24,11 +28,21 @@ import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.FinancingCache
 import sh.sar.basedbank.util.ForeignLimitsCache
 import sh.sar.basedbank.util.RecentsCache
+import androidx.lifecycle.lifecycleScope
+import kotlin.coroutines.resume
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.suspendCancellableCoroutine
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.api.bml.BmlActivationResult
+import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlOtpChannel
 
 class SettingsLoginsFragment : Fragment() {
 
     private var _binding: FragmentSettingsLoginsBinding? = null
     private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentSettingsLoginsBinding.inflate(inflater, container, false)
@@ -58,71 +72,45 @@ 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) {
+        for (loginId in mibLoginIds) {
-            val profile = store.loadMibUserProfile()
+            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(
+                showMibLoginDetails(store, loginId, profile, mibProfiles)
-                    title = getString(R.string.mib_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (profileNames.isNotEmpty()) {
-                            appendLine()
-                            appendLine(getString(R.string.login_detail_profiles))
-                            profileNames.forEach { appendLine("  • $it") }
-                        }
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.mib_name)) { logoutMib(store) } }
-                )
             }
         }
 
         for (loginId in bmlLoginIds) {
             val profile = store.loadBmlUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
-            val profileNames = AccountCache.loadBml(ctx, loginId).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            val bmlProfiles = store.loadBmlProfiles(loginId)
             addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
-                showLoginDetails(
+                showBmlLoginDetails(store, loginId, profile, bmlProfiles)
-                    title = getString(R.string.bml_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (!profile?.customerId.isNullOrBlank()) appendLine("${getString(R.string.login_detail_customer_id)}: ${profile!!.customerId}")
-                        if (!profile?.idCard.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.idCard}")
-                        if (profileNames.isNotEmpty()) {
-                            appendLine()
-                            appendLine(getString(R.string.login_detail_profiles))
-                            profileNames.forEach { appendLine("  • $it") }
-                        }
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) } }
-                )
             }
         }
 
-        if (hasFahipay) {
+        for (loginId in fahipayLoginIds) {
-            val profile = store.loadFahipayUserProfile()
+            val profile = store.loadFahipayUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
             addLoginRow(container, R.drawable.fahipay_logo, displayName) {
+                val hide = viewModel.hideAmounts.value ?: false
+                val masked = "••••••"
                 showLoginDetails(
                     title = getString(R.string.fahipay_name),
                     details = buildString {
                         if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
+                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${if (hide) masked else profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
+                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${if (hide) masked else profile!!.mobile}")
-                        if (!profile?.nid.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.nid}")
+                        if (!profile?.nid.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${if (hide) masked else profile!!.nid}")
                     }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store) } }
+                    onLogout = { confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) } }
                 )
             }
         }
@@ -154,6 +142,470 @@ 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 hidden = store.getHiddenBmlProfileIds(loginId).toMutableSet()
+        // Business profiles with no saved session were skipped during login — ensure they start hidden
+        val needsActivation = bmlProfiles
+            .filter { it.profileType == "business" && store.loadBmlProfileSession(it.profileId) == null }
+            .map { it.profileId }
+            .toMutableSet()
+        for (id in needsActivation) {
+            if (hidden.add(id)) store.setHiddenBmlProfileIds(loginId, hidden)
+        }
+        val originalHidden = hidden.toSet()
+
+        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)
+
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+        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)}: ${if (hide) masked else it}" },
+            profile?.mobile?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" },
+            profile?.customerId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_customer_id)}: ${if (hide) masked else it}" },
+            profile?.idCard?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_id_card)}: ${if (hide) masked else 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 && p.profileId in needsActivation) {
+                    toggle.isChecked = false  // revert — enabling requires OTP
+                    viewLifecycleOwner.lifecycleScope.launch {
+                        val success = activateBmlBusinessProfile(store, loginId, p)
+                        if (success) {
+                            needsActivation.remove(p.profileId)
+                            toggle.isChecked = true  // listener re-fires, removes from hidden
+                        }
+                    }
+                } else {
+                    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)?.relogin()
+        }
+    }
+
+    private suspend fun activateBmlBusinessProfile(
+        store: CredentialStore,
+        loginId: String,
+        profile: BmlProfile
+    ): Boolean {
+        val creds = store.loadBmlCredentials(loginId) ?: run {
+            showSimpleError("Credentials not found — please log out and log in again")
+            return false
+        }
+        val progressDialog = MaterialAlertDialogBuilder(requireContext())
+            .setMessage("Connecting to BML\u2026")
+            .setCancelable(false)
+            .show()
+        val flow = BmlLoginFlow()
+        val loginTag = "bml_$loginId"
+        val activationResult = try {
+            withContext(Dispatchers.IO) {
+                flow.login(creds.username, creds.password, creds.otpSeed)
+                flow.activateProfile(profile, loginTag)
+            }
+        } catch (e: Exception) {
+            progressDialog.dismiss()
+            showSimpleError(e.message ?: "Authentication failed")
+            return false
+        }
+        progressDialog.dismiss()
+        return when (activationResult) {
+            is BmlActivationResult.Success -> {
+                store.saveBmlProfileSession(profile.profileId, activationResult.session.accessToken, activationResult.session.deviceId)
+                true
+            }
+            is BmlActivationResult.NeedsBusinessOtp ->
+                continueBmlBusinessOtpFlow(store, loginId, profile, flow, loginTag, activationResult.channels)
+        }
+    }
+
+    private suspend fun continueBmlBusinessOtpFlow(
+        store: CredentialStore,
+        loginId: String,
+        profile: BmlProfile,
+        flow: BmlLoginFlow,
+        loginTag: String,
+        channels: List<BmlOtpChannel>
+    ): Boolean {
+        val selectedChannel = showBmlChannelSelectionDialog(profile.name, channels) ?: return false
+        val channelObj = channels.first { it.channel == selectedChannel }
+        val sendProgress = MaterialAlertDialogBuilder(requireContext())
+            .setMessage("Sending OTP\u2026")
+            .setCancelable(false)
+            .show()
+        try {
+            withContext(Dispatchers.IO) { flow.requestBusinessOtp(selectedChannel) }
+        } catch (e: Exception) {
+            sendProgress.dismiss()
+            showSimpleError(e.message ?: "Failed to send OTP")
+            return false
+        }
+        sendProgress.dismiss()
+        var otpError: String? = null
+        while (true) {
+            val code = showBmlOtpInputDialog(profile.name, channelObj, otpError) ?: return false
+            val verifyProgress = MaterialAlertDialogBuilder(requireContext())
+                .setMessage("Verifying\u2026")
+                .setCancelable(false)
+                .show()
+            try {
+                val (session, _) = withContext(Dispatchers.IO) {
+                    flow.submitBusinessOtp(selectedChannel, code, profile, loginTag)
+                }
+                verifyProgress.dismiss()
+                store.saveBmlProfileSession(profile.profileId, session.accessToken, session.deviceId)
+                return true
+            } catch (e: Exception) {
+                verifyProgress.dismiss()
+                if (e.message?.contains("Invalid OTP") == true) {
+                    otpError = e.message
+                } else {
+                    showSimpleError(e.message ?: "Verification failed")
+                    return false
+                }
+            }
+        }
+    }
+
+    private fun showSimpleError(message: String) {
+        MaterialAlertDialogBuilder(requireContext())
+            .setMessage(message)
+            .setPositiveButton(R.string.close, null)
+            .show()
+    }
+
+    private suspend fun showBmlChannelSelectionDialog(profileName: String, channels: List<BmlOtpChannel>): String? =
+        suspendCancellableCoroutine { cont ->
+            val ctx = requireContext()
+            val dp = ctx.resources.displayMetrics.density
+
+            val list = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                val vp = (8 * dp).toInt()
+                setPadding(0, vp, 0, vp)
+            }
+
+            for (channel in channels) {
+                val iconRes = when (channel.channel) {
+                    "Email"    -> R.drawable.ic_channel_email
+                    "Mobile"   -> R.drawable.ic_channel_sms
+                    "WhatsApp" -> R.drawable.ic_channel_whatsapp
+                    else       -> R.drawable.ic_channel_sms
+                }
+                val iconSize = (24 * dp).toInt()
+
+                val iconView = ImageView(ctx).apply {
+                    setImageResource(iconRes)
+                }
+
+                val textCol = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.VERTICAL
+                    gravity = Gravity.CENTER_VERTICAL
+                    layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f).apply {
+                        marginStart = (12 * dp).toInt()
+                    }
+                }
+                textCol.addView(TextView(ctx).apply {
+                    text = channel.description
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+                })
+                textCol.addView(TextView(ctx).apply {
+                    text = channel.masked
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.6f
+                })
+
+                val row = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.HORIZONTAL
+                    gravity = Gravity.CENTER_VERTICAL
+                    val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+                    background = ta.getDrawable(0); ta.recycle()
+                    isClickable = true; isFocusable = true
+                    val hp = (24 * dp).toInt(); val vp = (12 * dp).toInt()
+                    setPadding(hp, vp, hp, vp)
+                }
+                row.addView(iconView, LinearLayout.LayoutParams(iconSize, iconSize))
+                row.addView(textCol)
+                list.addView(row)
+            }
+
+            val d = MaterialAlertDialogBuilder(ctx)
+                .setTitle("Send verification code")
+                .setView(list)
+                .setNegativeButton(R.string.cancel) { _, _ -> if (cont.isActive) cont.resume(null) }
+                .setCancelable(false)
+                .show()
+            d.setOnCancelListener { if (cont.isActive) cont.resume(null) }
+
+            // Wire up row clicks after dialog is created so we can dismiss it first
+            val rows = list.run { (0 until childCount).map { getChildAt(it) } }
+            rows.forEachIndexed { i, row ->
+                row.setOnClickListener {
+                    d.dismiss()
+                    if (cont.isActive) cont.resume(channels[i].channel)
+                }
+            }
+        }
+
+    private suspend fun showBmlOtpInputDialog(
+        profileName: String,
+        channel: BmlOtpChannel,
+        errorMsg: String? = null
+    ): String? = suspendCancellableCoroutine { cont ->
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val input = android.widget.EditText(ctx).apply {
+            hint = "Enter OTP"
+            inputType = android.text.InputType.TYPE_CLASS_NUMBER
+            filters = arrayOf(android.text.InputFilter.LengthFilter(6))
+            setPadding((24 * dp).toInt(), (8 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+        }
+        val msg = buildString {
+            append(getString(R.string.bml_business_otp_sent, channel.description))
+            append(" (${channel.masked})")
+            if (errorMsg != null) append("\n\n$errorMsg")
+        }
+        val d = MaterialAlertDialogBuilder(ctx)
+            .setTitle("Enter verification code")
+            .setMessage(msg)
+            .setView(input)
+            .setPositiveButton(R.string.verify, null)
+            .setNegativeButton(R.string.cancel) { _, _ -> if (cont.isActive) cont.resume(null) }
+            .setCancelable(false)
+            .show()
+        d.setOnCancelListener { if (cont.isActive) cont.resume(null) }
+        d.getButton(android.app.AlertDialog.BUTTON_POSITIVE).setOnClickListener {
+            val code = input.text.toString().trim()
+            if (code.length != 6) {
+                input.error = "Enter 6 digits"
+            } else {
+                d.dismiss()
+                if (cont.isActive) cont.resume(code)
+            }
+        }
+    }
+
     private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
         MaterialAlertDialogBuilder(requireContext())
             .setTitle(title)
@@ -172,12 +624,16 @@ 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 +641,26 @@ 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

@@ -60,7 +60,6 @@ class SettingsSecurityFragment : Fragment() {
 
         // Auto-lock
         binding.autolockToggle.check(when (prefs.getLong("autolock_timeout", 60_000L)) {
-            0L       -> R.id.btnAutolockOff
             30_000L  -> R.id.btnAutolock30s
             180_000L -> R.id.btnAutolock3m
             300_000L -> R.id.btnAutolock5m
@@ -69,7 +68,6 @@ class SettingsSecurityFragment : Fragment() {
         binding.autolockToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
             if (!isChecked) return@addOnButtonCheckedListener
             val timeout = when (checkedId) {
-                R.id.btnAutolockOff -> 0L
                 R.id.btnAutolock30s -> 30_000L
                 R.id.btnAutolock3m  -> 180_000L
                 R.id.btnAutolock5m  -> 300_000L
@@ -79,6 +77,17 @@ 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

@@ -9,17 +9,17 @@ import android.view.ViewGroup
 import androidx.core.graphics.drawable.RoundedBitmapDrawableFactory
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankTransaction
 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 BankTransaction History — date-grouped, shows account name in secondary line. */
 class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
         data class DateHeader(val label: String) : Item()
-        data class Trx(val transaction: Transaction) : Item()
+        data class Trx(val transaction: BankTransaction) : Item()
     }
 
     private val displayItems = mutableListOf<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
@@ -60,7 +67,7 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         }
 
     /** Replace the full sorted transaction list and rebuild date groups. */
-    fun setTransactions(transactions: List<Transaction>) {
+    fun setTransactions(transactions: List<BankTransaction>) {
         _showLoadingFooter = false
         displayItems.clear()
         var lastDateKey = ""
@@ -107,7 +114,7 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     inner class TransactionVH(private val b: ItemTransactionBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(trx: Transaction) {
+        fun bind(trx: BankTransaction) {
             val isCredit = trx.amount >= 0
             val color = AccountHistoryAdapter.sourceColor(trx.source)
             val name = trx.counterpartyName ?: trx.description
@@ -134,23 +141,28 @@ 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 BankTransaction History
             b.tvCounterparty.text = trx.accountDisplayName
             b.tvCounterparty.visibility = View.VISIBLE
 
             b.tvDate.text = AccountHistoryAdapter.formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
+            if (hideAmounts) {
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "${trx.currency} ••••••"
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
-            b.tvAmount.setTextColor(
+            } else {
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                val sign = if (isCredit) "+" else "-"
-            )
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }
 
-        private fun showDetail(trx: Transaction) {
+        private fun showDetail(trx: BankTransaction) {
             val ctx = b.root.context
             val title = trx.counterpartyName?.takeIf { it.isNotBlank() } ?: trx.description
             val details = buildString {

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
@@ -35,12 +36,13 @@ 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.bml.BmlTransferClient
+import sh.sar.basedbank.api.bml.BmlTransferResult
+import sh.sar.basedbank.api.bml.BmlValidateClient
 import sh.sar.basedbank.api.dhiraagu.DhiraaguClient
 import sh.sar.basedbank.api.fahipay.OoredooClient
-import sh.sar.basedbank.api.bml.BmlTransferResult
+import sh.sar.basedbank.api.models.BankAccount
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankContact
-import sh.sar.basedbank.api.mib.MibBeneficiary
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibIpsAccountInfo
 import sh.sar.basedbank.api.mib.MibLookupException
@@ -49,11 +51,13 @@ 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() {
@@ -62,9 +66,11 @@ class TransferFragment : Fragment() {
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
 
-    private var selectedAccount: MibAccount? = null
+    private var selectedAccount: BankAccount? = null
-    private val session get() = (requireActivity().application as BasedBankApp).mibSession
+    private val session get() = selectedAccount
-    private fun bmlSessionFor(account: MibAccount?) =
+        ?.let { (requireActivity().application as BasedBankApp).mibSessionFor(it) }
+        ?: (requireActivity().application as BasedBankApp).anyMibSession()
+    private fun bmlSessionFor(account: BankAccount?) =
         account?.let { (requireActivity().application as BasedBankApp).bmlSessionFor(it) }
             ?: (requireActivity().application as BasedBankApp).anyBmlSession()
 
@@ -97,8 +103,10 @@ 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 {
+        fun newInstanceFrom(account: BankAccount) = TransferFragment().apply {
             arguments = Bundle().apply { putString(ARG_FROM_ACCOUNT, account.accountNumber) }
         }
 
@@ -117,6 +125,22 @@ 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 +170,12 @@ 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 +185,8 @@ 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 +212,7 @@ 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 +224,7 @@ class TransferFragment : Fragment() {
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
+                updateTransferButton()
             }
 
             val fromNumber = arguments?.getString(ARG_FROM_ACCOUNT)
@@ -203,22 +234,22 @@ class TransferFragment : Fragment() {
                     selectedAccount = match
                     updateAmountPrefix(match)
                     showFromCard(match)
+                    updateTransferButton()
                 }
             }
         }
     }
 
-    private fun showFromCard(account: MibAccount) {
+    private fun showFromCard(account: BankAccount) {
-        val isBml = account.profileType.startsWith("BML")
+        val colorHex = when (account.bank) {
-        val colorHex = when {
+            "BML"     -> "#0066A1"
-            isBml -> "#0066A1"
+            "FAHIPAY" -> "#15BEA7"
-            account.profileType == "FAHIPAY" -> "#15BEA7"
+            else      -> "#FE860E"
-            else -> "#FE860E"
         }
-        val bankLabel = when {
+        val bankLabel = when (account.bank) {
-            isBml -> "BML"
+            "BML"     -> "BML"
-            account.profileType == "FAHIPAY" -> "FP"
+            "FAHIPAY" -> "FP"
-            else -> null
+            else      -> null
         }
         val typeLabel = when {
             account.profileType == "BML_PREPAID" -> "Prepaid Card"
@@ -234,7 +265,7 @@ 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 +275,7 @@ 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) {
@@ -254,7 +285,7 @@ class TransferFragment : Fragment() {
         }
     }
 
-    private fun updateAmountPrefix(account: MibAccount) {
+    private fun updateAmountPrefix(account: BankAccount) {
         binding.tilAmount.prefixText = if (account.currencyName == "USD") "USD " else "MVR "
     }
 
@@ -271,6 +302,7 @@ class TransferFragment : Fragment() {
             binding.btnPickContact.visibility = View.VISIBLE
             binding.btnScanQr.visibility = View.VISIBLE
             binding.tilTo.error = null
+            updateTransferButton()
         }
 
         binding.etTo.addTextChangedListener {
@@ -282,6 +314,7 @@ class TransferFragment : Fragment() {
                 binding.tilTo.visibility = View.VISIBLE
                 binding.btnPickContact.visibility = View.VISIBLE
                 binding.btnScanQr.visibility = View.VISIBLE
+                updateTransferButton()
             }
         }
     }
@@ -312,7 +345,7 @@ 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 +361,7 @@ class TransferFragment : Fragment() {
             return
         }
 
-        val isBmlSource = selectedAccount?.profileType?.startsWith("BML") == true
+        val isBmlSource = selectedAccount?.bank == "BML"
 
         startLookupLoading()
 
@@ -337,10 +370,9 @@ class TransferFragment : Fragment() {
             val info = withContext(Dispatchers.IO) {
                 if (isBmlSource && bmlSess != null) {
                     val inputType = AccountInputParser.detect(accountNumber)
-                    val bmlFlow = BmlLoginFlow()
                     val bmlResult = try {
-                        if (inputType == AccountInputParser.InputType.MIB_ACCOUNT) bmlFlow.verifyMibAccount(bmlSess, accountNumber)
+                        if (inputType == AccountInputParser.InputType.MIB_ACCOUNT) BmlValidateClient().verifyMibAccount(bmlSess, accountNumber)
-                        else bmlFlow.validateAccount(bmlSess, accountNumber)
+                        else BmlValidateClient().validateAccount(bmlSess, accountNumber)
                     } catch (_: Exception) { null }
                     if (bmlResult != null) {
                         val bankId = when (bmlResult.trnType) {
@@ -361,7 +393,7 @@ class TransferFragment : Fragment() {
                         catch (e: MibLookupException) { errorMsg = e.message; null }
                         catch (_: Exception) { errorMsg = getString(R.string.transfer_account_not_found); null }
                     } else {
-                        val bmlResult = try { BmlLoginFlow().validateAccount(bmlSess!!, accountNumber) } catch (_: Exception) { null }
+                        val bmlResult = try { BmlValidateClient().validateAccount(bmlSess!!, accountNumber) } catch (_: Exception) { null }
                         if (bmlResult != null) {
                             val bankId = when (bmlResult.trnType) {
                                 "IAT" -> "MALBMVMV"
@@ -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
             }
@@ -615,9 +649,10 @@ 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)
+                    activity.triggerRefresh()
                     activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, capturedToAvatar))
                 } else if (!ok) {
                     Toast.makeText(requireContext(), msg, Toast.LENGTH_LONG).show()
@@ -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)
@@ -696,7 +731,7 @@ class TransferFragment : Fragment() {
     }
 
     private fun doMibTransfer(
-        src: MibAccount,
+        src: BankAccount,
         destAccount: String,
         destName: String,
         destDisplay: String,
@@ -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 }
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-            if (profile != null) app.mibLoginFlow.switchProfile(sess, profile)
+            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,
@@ -753,7 +790,7 @@ class TransferFragment : Fragment() {
                     mibReferenceNo = result.trxId,
                     mibTransactionDate = result.date
                 )
-                Triple(true, "Transaction ID: ${result.trxId}\n${result.date}", receipt)
+                Triple(true, "BankTransaction ID: ${result.trxId}\n${result.date}", receipt)
             } else {
                 Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null)
             }
@@ -763,7 +800,7 @@ class TransferFragment : Fragment() {
     }
 
     private fun doBmlTransfer(
-        src: MibAccount,
+        src: BankAccount,
         destAccount: String,
         destDisplay: String,
         amount: Double,
@@ -772,8 +809,8 @@ class TransferFragment : Fragment() {
         isSrcCard: Boolean,
         isDestMib: Boolean,
         currency: String,
-        allAccounts: List<MibAccount>,
+        allAccounts: List<BankAccount>,
-        allContacts: List<MibBeneficiary>
+        allContacts: List<BankContact>
     ): Triple<Boolean, String, TransferReceiptData?> {
         val loginId = src.loginTag.removePrefix("bml_")
         val sess = bmlSessionFor(src) ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
@@ -808,10 +845,9 @@ class TransferFragment : Fragment() {
         }
         val toBank = bank ?: if (isDestMib) "MIB" else "BML"
 
-        val bmlFlow = BmlLoginFlow()
         // Step 1: initiate
         val initiated = try {
-            bmlFlow.initiateTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, bank)
+            BmlTransferClient().initiateTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, bank)
         } catch (e: Exception) { return Triple(false, e.message ?: "Initiation failed", null) }
 
         if (!initiated) return Triple(false, "Failed to initiate transfer — check your session", null)
@@ -821,10 +857,10 @@ class TransferFragment : Fragment() {
             ?.let { Totp.generate(it) } ?: otp
 
         return try {
-            val result = bmlFlow.confirmTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, confirmOtp, remarks, bank)
+            val result = BmlTransferClient().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 +884,11 @@ 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 +919,7 @@ 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
@@ -958,12 +999,12 @@ class TransferFragment : Fragment() {
         _binding = null
     }
 
-    private fun MibAccount.toDisplayString() = "$accountBriefName · $accountNumber"
+    private fun BankAccount.toDisplayString() = "$accountBriefName · $accountNumber"
 
-    // items: String = section header, MibAccount = selectable row
+    // items: String = section header, BankAccount = selectable row
     private inner class AccountDropdownAdapter(
         private val context: Context,
-        accounts: List<MibAccount>
+        accounts: List<BankAccount>
     ) : BaseAdapter(), Filterable {
 
         private val items: List<Any> = buildList {
@@ -976,7 +1017,7 @@ class TransferFragment : Fragment() {
             }
         }
 
-        fun getAccount(position: Int): MibAccount? = (items.getOrNull(position) as? MibAccount)
+        fun getAccount(position: Int): BankAccount? = (items.getOrNull(position) as? BankAccount)
             ?.takeUnless { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && !it.statusDesc.equals("Active", ignoreCase = true) }
 
         override fun getCount() = items.size
@@ -1001,7 +1042,7 @@ class TransferFragment : Fragment() {
                 b.tvHeader.text = item
                 b.root
             } else {
-                val acc = item as MibAccount
+                val acc = item as BankAccount
                 val b = if (convertView?.tag is ItemAccountDropdownBinding) {
                     convertView.tag as ItemAccountDropdownBinding
                 } else {
@@ -1009,11 +1050,11 @@ 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
@@ -23,12 +25,12 @@ 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.bml.BmlHistoryClient
-import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 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.models.BankTransaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentTransferHistoryBinding
 import sh.sar.basedbank.util.ContactImageCache
@@ -46,12 +48,12 @@ class TransferHistoryFragment : Fragment() {
     private lateinit var adapter: TransactionAdapter
 
     // All merged transactions sorted by date desc
-    private val allTransactions = mutableListOf<Transaction>()
+    private val allTransactions = mutableListOf<BankTransaction>()
     private var searchQuery = ""
 
     // Per-account pagination state
     private data class AccountState(
-        val account: MibAccount,
+        val account: BankAccount,
         var mibNextStart: Int = 1,
         var mibTotalCount: Int = -1,
         var bmlNextPage: Int = 1,
@@ -61,10 +63,10 @@ class TransferHistoryFragment : Fragment() {
         var fahipayTotal: Int = -1
     ) {
         fun hasMore(): Boolean = when {
-            account.profileType == "FAHIPAY" -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+            account.bank == "FAHIPAY"                                                       -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" -> cardMonthOffset < 2
+            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"    -> cardMonthOffset < 2
-            account.profileType.startsWith("BML") -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+            account.bank == "BML"                                                           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
-            else -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+            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
@@ -125,6 +138,14 @@ class TransferHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPages()
+
+        binding.swipeRefresh.setOnRefreshListener {
+            if (isLoading) {
+                binding.swipeRefresh.isRefreshing = false
+            } else {
+                resetAndReload()
+            }
+        }
     }
 
     override fun onResume() {
@@ -132,6 +153,19 @@ class TransferHistoryFragment : Fragment() {
         requireActivity().title = getString(R.string.nav_transfer_history)
     }
 
+    private fun resetAndReload() {
+        allTransactions.clear()
+        pendingImageNames.clear()
+        pendingIconUrls.clear()
+        firstBatchDone = false
+        val accounts = accountStates.map { it.account }
+        accountStates.clear()
+        accounts.forEach { accountStates.add(AccountState(it)) }
+        adapter.setTransactions(emptyList())
+        binding.emptyView.visibility = View.GONE
+        loadNextPages()
+    }
+
     private fun loadNextPages() {
         val activeStates = accountStates.filter { it.hasMore() }
         if (isLoading || activeStates.isEmpty()) return
@@ -142,14 +176,13 @@ class TransferHistoryFragment : Fragment() {
         }
 
         val app = requireActivity().application as BasedBankApp
-        val mibSession = app.mibSession
 
         lifecycleScope.launch {
             val newTransactions = withContext(Dispatchers.IO) {
-                val results = mutableListOf<Transaction>()
+                val results = mutableListOf<BankTransaction>()
 
                 // 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 {
@@ -160,7 +193,7 @@ class TransferHistoryFragment : Fragment() {
                                     cal.add(Calendar.MONTH, -state.cardMonthOffset)
                                     val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
                                     state.cardMonthOffset++
-                                    BmlLoginFlow().fetchCardHistory(
+                                    BmlHistoryClient().fetchCardHistory(
                                         session = session,
                                         cardId = state.account.internalId,
                                         accountDisplayName = state.account.accountBriefName,
@@ -170,7 +203,7 @@ class TransferHistoryFragment : Fragment() {
                                 }
                                 else -> {
                                     val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
-                                    val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
+                                    val (list, totalPages) = BmlHistoryClient().fetchAccountHistory(
                                         session = session,
                                         accountId = state.account.internalId,
                                         accountDisplayName = state.account.accountBriefName,
@@ -182,18 +215,16 @@ class TransferHistoryFragment : Fragment() {
                                     list
                                 }
                             }
-                        } catch (_: Exception) { emptyList<Transaction>() }
+                        } catch (_: Exception) { emptyList<BankTransaction>() }
                     }
                 }.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()
+                        val (list, total) = FahipayHistoryClient().fetchHistory(
-                        flow.setSessionCookie(session.sessionCookie)
-                        val (list, total) = flow.fetchHistory(
                             session = session,
                             accountDisplayName = state.account.accountBriefName,
                             accountNumber = state.account.accountNumber,
@@ -206,27 +237,28 @@ class TransferHistoryFragment : Fragment() {
                 }
 
                 // MIB accounts: serialized per profile, protected by mutex to prevent session race
-                val mibStates = activeStates.filter {
+                val mibStates = activeStates.filter { it.account.bank == "MIB" }
-                    !it.account.profileType.startsWith("BML") && it.account.profileType != "FAHIPAY"
+                for ((loginId, loginStates) in mibStates.groupBy { it.account.loginTag.removePrefix("mib_") }) {
-                }
+                    val session = app.mibSessions[loginId] ?: continue
-                for ((profileId, states) in mibStates.groupBy { it.account.profileId }) {
+                    for ((profileId, states) in loginStates.groupBy { it.account.profileId }) {
-                    val session = mibSession ?: break
+                        app.mibMutex.withLock {
-                    app.mibMutex.withLock {
+                            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-                        val profile = app.mibProfiles.firstOrNull { it.profileId == profileId }
+                            val profile = profiles.firstOrNull { it.profileId == profileId }
-                        if (profile != null) app.mibLoginFlow.switchProfile(session, profile)
+                            if (profile != null) app.mibFlowFor(loginId).switchProfile(session, profile)
-                        for (state in states) {
+                            for (state in states) {
-                            try {
+                                try {
-                                val (list, total) = MibHistoryClient().fetchHistory(
+                                    val (list, total) = MibHistoryClient().fetchHistory(
-                                    session = session,
+                                        session = session,
-                                    accountNo = state.account.accountNumber,
+                                        accountNo = state.account.accountNumber,
-                                    accountDisplayName = state.account.accountBriefName,
+                                        accountDisplayName = state.account.accountBriefName,
-                                    start = state.mibNextStart,
+                                        start = state.mibNextStart,
-                                    pageSize = pageSize
+                                        pageSize = pageSize
-                                )
+                                    )
-                                if (total > 0) state.mibTotalCount = total
+                                    if (total > 0) state.mibTotalCount = total
-                                state.mibNextStart += list.size.coerceAtLeast(pageSize)
+                                    state.mibNextStart += list.size.coerceAtLeast(pageSize)
-                                results.addAll(list)
+                                    results.addAll(list)
-                            } catch (_: Exception) {}
+                                } catch (_: Exception) {}
+                            }
                         }
                     }
                 }
@@ -239,6 +271,7 @@ class TransferHistoryFragment : Fragment() {
             if (!firstBatchDone) {
                 firstBatchDone = true
                 (activity as? HomeActivity)?.setRefreshing(false)
+                binding.swipeRefresh.isRefreshing = false
             }
 
             if (newTransactions.isNotEmpty()) {
@@ -280,7 +313,7 @@ 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
+        val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
-        return if (isMib) {
+        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 +329,66 @@ class TransferReceiptFragment : Fragment() {
         return bm
     }
 
+    private fun showFullScreenReceipt() {
+        val ctx = requireContext()
+        val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
+        val dialog = Dialog(ctx, android.R.style.Theme_Black_NoTitleBar_Fullscreen)
+
+        val scrollView = android.widget.ScrollView(ctx).apply {
+            setBackgroundColor(Color.BLACK)
+        }
+
+        val cardView = if (bank == "MIB") {
+            val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
+            bindMib(binding)
+            binding.receiptCard
+        } else {
+            val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
+            bindBml(binding)
+            binding.receiptCard
+        }
+        (cardView.parent as? ViewGroup)?.removeView(cardView)
+        cardView.setOnClickListener { dialog.dismiss() }
+        scrollView.addView(cardView)
+        scrollView.setOnTouchListener { _, _ -> dialog.dismiss(); true }
+
+        dialog.setContentView(scrollView)
+
+        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, scrollView).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 +18,20 @@ 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.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlActivationResult
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayAccountClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
+import sh.sar.basedbank.api.mib.MibProfileClient
 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
 
 class CredentialsFragment : Fragment() {
 
@@ -46,6 +52,11 @@ 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<BankAccount>()
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
@@ -54,7 +65,7 @@ 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" -> {
@@ -170,6 +181,7 @@ 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 +190,12 @@ 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)
+                        val profile = MibProfileClient().fetchPersonalProfile(s)
                         if (profile != null) store.saveMibUserProfile(
+                            loginId,
                             CredentialStore.MibUserProfile(
                                 fullName = profile.fullName,
                                 username = profile.username,
@@ -193,11 +206,15 @@ class CredentialsFragment : Fragment() {
                         )
                     }
                 }
-                AccountCache.save(requireContext(), accounts)
+                store.saveMibProfiles(loginId, flow.lastProfiles)
                 val app = requireActivity().application as BasedBankApp
-                app.accounts = accounts
+                // Merge with any existing MIB accounts from other logins
-                app.mibSession = flow.lastSession
+                app.mibAccounts = app.mibAccounts.filter { it.loginTag != "mib_$loginId" } + accounts
-                app.mibProfiles = flow.lastProfiles
+                app.accounts = app.accounts.filter { it.loginTag != "mib_$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 +243,68 @@ class CredentialsFragment : Fragment() {
         binding.progressBar.visibility = View.VISIBLE
         binding.btnLogin.isEnabled = false
 
-        val loginId = username
+        bmlLoginId = username
-        val flow = BmlLoginFlow()
+        bmlAccumulatedAccounts.clear()
+
+        val flow = BmlLoginFlow().also { bmlFlow = it }
+        val loginTag = "bml_$username"
+
         viewLifecycleOwner.lifecycleScope.launch {
             try {
-                val (session, accounts) = withContext(Dispatchers.IO) {
+                val profiles = withContext(Dispatchers.IO) {
                     flow.login(username, password, otpSeed)
                 }
+                if (profiles.isEmpty()) throw Exception("No profiles found for this account")
+
+                var hasBusinessProfiles = false
+                for (profile in profiles) {
+                    if (profile.profileType == "business") {
+                        hasBusinessProfiles = true
+                        continue  // skip — user can enable in Settings → Logins
+                    }
+                    val result = withContext(Dispatchers.IO) { flow.activateProfile(profile, loginTag) }
+                    if (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
+                    }
+                }
+
                 val store = CredentialStore(requireContext())
-                store.saveBmlCredentials(loginId, username, password, otpSeed)
+                store.saveBmlCredentials(bmlLoginId, username, password, otpSeed)
-                store.saveBmlSession(loginId, session.accessToken, session.deviceId)
+                store.saveBmlProfiles(bmlLoginId, profiles)
-                withContext(Dispatchers.IO) {
+                val app = requireActivity().application as BasedBankApp
-                    val info = flow.fetchUserInfo(session)
+                app.bmlProfilesMap[bmlLoginId] = profiles
-                    if (info != null) store.saveBmlUserProfile(
+                app.bmlLoginFlows[bmlLoginId] = flow
-                        loginId,
+
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+
+                finishBmlLogin(hasBusinessProfiles)
+            } 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 finishBmlLogin(hasBusinessProfiles: Boolean = false) {
+        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 = BmlAccountClient().fetchUserInfo(anySession)
+                if (info != null) {
+                    store.saveBmlUserProfile(
+                        bmlLoginId,
                         CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
@@ -249,24 +314,47 @@ 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
+
+        if (hasBusinessProfiles) {
+            Toast.makeText(requireContext(), "Business profiles can be enabled in Settings → Logins", Toast.LENGTH_LONG).show()
+        }
+        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() {
@@ -370,15 +458,17 @@ class CredentialsFragment : Fragment() {
         store: CredentialStore
     ) {
         val (profile, balance) = withContext(Dispatchers.IO) {
-            val p = flow.fetchProfile(session)
+            val p = FahipayAccountClient().fetchProfile(session)
-            val b = flow.fetchBalance(session)
+            val b = FahipayAccountClient().fetchBalance(session)
             Pair(p, b)
         }
-        val loginTag = "fahipay_${profile.profileId}"
+        val loginId = profile.profileId
-        val account = flow.buildAccount(profile, balance, loginTag)
+        val loginTag = "fahipay_$loginId"
-        store.saveFahipayCredentials(idCard, password)
+        val account = FahipayAccountClient().buildAccount(profile, balance, loginTag)
-        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 +479,11 @@ 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.fahipaySessions[loginId] = session
-        app.fahipayAccounts = listOf(account)
+        app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != loginTag } + listOf(account)
-        app.accounts = app.accounts + 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

@@ -3,22 +3,23 @@ package sh.sar.basedbank.util
 import android.content.Context
 import org.json.JSONArray
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 
 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>) {
+    fun save(context: Context, accounts: List<BankAccount>) {
         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)
@@ -37,7 +38,7 @@ object AccountCache {
             .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun saveBml(context: Context, loginId: String, accounts: List<MibAccount>) {
+    fun saveBml(context: Context, loginId: String, accounts: List<BankAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -60,37 +61,38 @@ object AccountCache {
             .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context, loginId: String): List<MibAccount> {
+    fun loadBml(context: Context, loginId: String): List<BankAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
             val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibAccount(
+                BankAccount(
-                    profileName = o.optString("profileName"),
+                    bank             = "BML",
-                    profileType = o.optString("profileType"),
+                    profileName      = o.optString("profileName"),
-                    accountNumber = o.optString("accountNumber"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
+                    currencyName     = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    accountTypeName  = o.optString("accountTypeName"),
                     availableBalance = o.optString("availableBalance"),
-                    currentBalance = o.optString("currentBalance"),
+                    currentBalance   = o.optString("currentBalance"),
-                    blockedAmount = o.optString("blockedAmount"),
+                    blockedAmount    = o.optString("blockedAmount"),
-                    mvrBalance = o.optString("mvrBalance"),
+                    mvrBalance       = o.optString("mvrBalance"),
-                    statusDesc = o.optString("statusDesc"),
+                    statusDesc       = o.optString("statusDesc"),
                     profileImageHash = null,
-                    loginTag = o.optString("loginTag"),
+                    loginTag         = o.optString("loginTag"),
-                    internalId = o.optString("internalId", "")
+                    internalId       = o.optString("internalId", "")
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadBml(context: Context, loginIds: List<String>): List<MibAccount> =
+    fun loadBml(context: Context, loginIds: List<String>): List<BankAccount> =
         loginIds.flatMap { loadBml(context, it) }
 
-    fun saveFahipay(context: Context, accounts: List<MibAccount>) {
+    fun saveFahipay(context: Context, loginId: String, accounts: List<BankAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -110,41 +112,45 @@ 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<BankAccount> {
         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(
+                BankAccount(
-                    profileName = o.optString("profileName"),
+                    bank             = "FAHIPAY",
-                    profileType = o.optString("profileType"),
+                    profileName      = o.optString("profileName"),
-                    accountNumber = o.optString("accountNumber"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
+                    currencyName     = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    accountTypeName  = o.optString("accountTypeName"),
                     availableBalance = o.optString("availableBalance"),
-                    currentBalance = o.optString("currentBalance"),
+                    currentBalance   = o.optString("currentBalance"),
-                    blockedAmount = o.optString("blockedAmount"),
+                    blockedAmount    = o.optString("blockedAmount"),
-                    mvrBalance = o.optString("mvrBalance"),
+                    mvrBalance       = o.optString("mvrBalance"),
-                    statusDesc = o.optString("statusDesc"),
+                    statusDesc       = o.optString("statusDesc"),
                     profileImageHash = null,
-                    loginTag = o.optString("loginTag"),
+                    loginTag         = o.optString("loginTag"),
-                    internalId = o.optString("internalId", "")
+                    internalId       = o.optString("internalId", "")
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
+    fun loadFahipay(context: Context, loginIds: List<String>): List<BankAccount> =
+        loginIds.flatMap { loadFahipay(context, it) }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }
 
-    fun load(context: Context): List<MibAccount> {
+    fun load(context: Context): List<BankAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_MIB, null) ?: return emptyList()
         return try {
@@ -152,21 +158,23 @@ object AccountCache {
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibAccount(
+                BankAccount(
-                    profileName = o.optString("profileName"),
+                    bank             = o.optString("bank", "MIB"),
-                    profileType = o.optString("profileType"),
+                    profileName      = o.optString("profileName"),
-                    accountNumber = o.optString("accountNumber"),
+                    profileType      = o.optString("profileType"),
+                    cifType          = o.optString("cifType", ""),
+                    accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
-                    currencyName = o.optString("currencyName"),
+                    currencyName     = o.optString("currencyName"),
-                    accountTypeName = o.optString("accountTypeName"),
+                    accountTypeName  = o.optString("accountTypeName"),
                     availableBalance = o.optString("availableBalance"),
-                    currentBalance = o.optString("currentBalance"),
+                    currentBalance   = o.optString("currentBalance"),
-                    blockedAmount = o.optString("blockedAmount"),
+                    blockedAmount    = o.optString("blockedAmount"),
-                    mvrBalance = o.optString("mvrBalance"),
+                    mvrBalance       = o.optString("mvrBalance"),
-                    statusDesc = o.optString("statusDesc"),
+                    statusDesc       = o.optString("statusDesc"),
                     profileImageHash = o.optString("profileImageHash").takeIf { it.isNotBlank() },
-                    loginTag = o.optString("loginTag"),
+                    loginTag         = o.optString("loginTag"),
-                    profileId = o.optString("profileId", "")
+                    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.models.BankAccount
+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: BankAccount): 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.models.BankAccount
+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: BankAccount): 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.models.BankContact
+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: BankContact): 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<BankContact>): 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.BmlContactsClient
+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 { BmlContactsClient().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/ContactsCache.kt

@@ -3,8 +3,8 @@ package sh.sar.basedbank.util
 import android.content.Context
 import org.json.JSONArray
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibBeneficiary
+import sh.sar.basedbank.api.models.BankContact
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.models.BankContactCategory
 
 object ContactsCache {
 
@@ -14,8 +14,8 @@ object ContactsCache {
 
     fun save(
         context: Context,
-        contacts: List<MibBeneficiary>,
+        contacts: List<BankContact>,
-        categories: List<MibBeneficiaryCategory>
+        categories: List<BankContactCategory>
     ) {
         val prefs = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit()
 
@@ -55,7 +55,7 @@ object ContactsCache {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }
 
-    fun loadContacts(context: Context): List<MibBeneficiary> {
+    fun loadContacts(context: Context): List<BankContact> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_CONTACTS, null) ?: return emptyList()
         return try {
@@ -63,7 +63,7 @@ object ContactsCache {
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibBeneficiary(
+                BankContact(
                     benefNo = o.optString("benefNo"),
                     benefName = o.optString("benefName"),
                     benefNickName = o.optString("benefNickName"),
@@ -86,7 +86,7 @@ object ContactsCache {
 
     private fun bmlKey(loginId: String) = "bml_contacts_$loginId"
 
-    fun saveBml(context: Context, loginId: String, contacts: List<MibBeneficiary>) {
+    fun saveBml(context: Context, loginId: String, contacts: List<BankContact>) {
         val arr = JSONArray()
         for (c in contacts) {
             arr.put(JSONObject().apply {
@@ -108,14 +108,14 @@ object ContactsCache {
             .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context, loginId: String): List<MibBeneficiary> {
+    fun loadBml(context: Context, loginId: String): List<BankContact> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
             val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibBeneficiary(
+                BankContact(
                     benefNo = o.optString("benefNo"),
                     benefName = o.optString("benefName"),
                     benefNickName = o.optString("benefNickName"),
@@ -134,10 +134,10 @@ object ContactsCache {
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadBml(context: Context, loginIds: List<String>): List<MibBeneficiary> =
+    fun loadBml(context: Context, loginIds: List<String>): List<BankContact> =
         loginIds.flatMap { loadBml(context, it) }
 
-    fun saveFahipay(context: Context, contacts: List<MibBeneficiary>, categories: List<MibBeneficiaryCategory>) {
+    fun saveFahipay(context: Context, contacts: List<BankContact>, categories: List<BankContactCategory>) {
         val prefs = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit()
         val arr = JSONArray()
         for (c in contacts) arr.put(JSONObject().apply {
@@ -159,14 +159,14 @@ object ContactsCache {
         prefs.apply()
     }
 
-    fun loadFahipay(context: Context): List<MibBeneficiary> {
+    fun loadFahipay(context: Context): List<BankContact> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString("fahipay_contacts", null) ?: return emptyList()
         return try {
             val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibBeneficiary(
+                BankContact(
                     benefNo = o.optString("benefNo"),
                     benefName = "",
                     benefNickName = o.optString("benefNickName"),
@@ -185,19 +185,19 @@ object ContactsCache {
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadFahipayCategories(context: Context): List<MibBeneficiaryCategory> {
+    fun loadFahipayCategories(context: Context): List<BankContactCategory> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString("fahipay_categories", null) ?: return emptyList()
         return try {
             val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibBeneficiaryCategory(o.optString("id"), o.optString("categoryName"), o.optInt("numBenef"))
+                BankContactCategory(o.optString("id"), o.optString("categoryName"), o.optInt("numBenef"))
             }
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadCategories(context: Context): List<MibBeneficiaryCategory> {
+    fun loadCategories(context: Context): List<BankContactCategory> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_CATEGORIES, null) ?: return emptyList()
         return try {
@@ -205,7 +205,7 @@ object ContactsCache {
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibBeneficiaryCategory(
+                BankContactCategory(
                     id = o.optString("id"),
                     categoryName = o.optString("categoryName"),
                     numBenef = o.optInt("numBenef", 0)

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 getMibLoginIds(): List<String> {
-    fun hasFahipayCredentials(): Boolean = prefs.contains("fahipay_enc_id_card")
+        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_${loginId}_enc_password_hash", encrypt(passwordHash, key))
-            .putString("mib_enc_password_hash", encrypt(passwordHash, key))
+            .putString("mib_${loginId}_enc_otp_seed", encrypt(otpSeed, key))
-            .putString("mib_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_${loginId}_enc_password_hash", null) ?: return null
-        val encHash = prefs.getString("mib_enc_password_hash", null) ?: return null
+        val encSeed = prefs.getString("mib_${loginId}_enc_otp_seed", null) ?: return null
-        val encSeed = prefs.getString("mib_enc_otp_seed", null) ?: return null
         return try {
-            MibCredentials(
+            MibCredentials(loginId, decrypt(encHash, key), decrypt(encSeed, key))
-                decrypt(encUsername, key),
-                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_${loginId}_enc_password_hash")
-            .remove("mib_enc_password_hash")
+            .remove("mib_${loginId}_enc_otp_seed")
-            .remove("mib_enc_otp_seed")
+            .remove("mib_${loginId}_enc_key1")
-            .remove("mib_enc_key1")
+            .remove("mib_${loginId}_enc_key2")
-            .remove("mib_enc_key2")
+            .remove("mib_${loginId}_enc_app_id")
-            .remove("mib_enc_app_id")
+            .remove("mib_${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_${loginId}_enc_key1", encrypt(key1, key))
-            .putString("mib_enc_key2", encrypt(key2, key))
+            .putString("mib_${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 encKey1 = prefs.getString("mib_${loginId}_enc_key1", null) ?: return null
-        val encKey2 = prefs.getString("mib_enc_key2", null) ?: return null
+        val encKey2 = prefs.getString("mib_${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_${loginId}_enc_token", encrypt(accessToken, key))
+            .putString("bml_profile_${profileId}_enc_token", encrypt(accessToken, key))
-            .putString("bml_${loginId}_enc_device_id", encrypt(deviceId, key))
+            .putString("bml_profile_${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_${loginId}_enc_token")
+            .putString("fahipay_${loginId}_enc_id_card", encrypt(idCard, key))
-            .remove("bml_${loginId}_enc_device_id")
+            .putString("fahipay_${loginId}_enc_password", encrypt(password, key))
             .apply()
     }
 
-    // ── Fahipay login credentials ─────────────────────────────────────────────
+    fun loadFahipayCredentials(loginId: String): FahipayCredentials? {
-
-    fun saveFahipayCredentials(idCard: String, password: String) {
         val key = getOrCreateKey()
-        prefs.edit()
+        val encId = prefs.getString("fahipay_${loginId}_enc_id_card", null) ?: return null
-            .putString("fahipay_enc_id_card", encrypt(idCard, key))
+        val encPw = prefs.getString("fahipay_${loginId}_enc_password", null) ?: return null
-            .putString("fahipay_enc_password", encrypt(password, key))
-            .apply()
-    }
-
-    fun loadFahipayCredentials(): FahipayCredentials? {
-        val key = getOrCreateKey()
-        val encId = prefs.getString("fahipay_enc_id_card", null) ?: return null
-        val encPw = prefs.getString("fahipay_enc_password", null) ?: return null
         return try {
             FahipayCredentials(decrypt(encId, key), decrypt(encPw, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearFahipayCredentials() {
+    fun clearFahipayCredentials(loginId: String) {
+        removeFahipayLoginId(loginId)
         prefs.edit()
-            .remove("fahipay_enc_id_card")
+            .remove("fahipay_${loginId}_enc_id_card")
-            .remove("fahipay_enc_password")
+            .remove("fahipay_${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_${loginId}_enc_auth_id", encrypt(authId, key))
-            .putString("fahipay_enc_session_cookie", encrypt(sessionCookie, key))
+            .putString("fahipay_${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 encAuth = prefs.getString("fahipay_${loginId}_enc_auth_id", null) ?: return null
-        val encCookie = prefs.getString("fahipay_enc_session_cookie", null) ?: return null
+        val encCookie = prefs.getString("fahipay_${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) {
+    // ── MIB operating profiles (per loginId) ─────────────────────────────────
-        val key = getOrCreateKey()
+
-        prefs.edit().putString("mib_enc_full_name", encrypt(name, key)).apply()
+    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(loginId: String, p: MibUserProfile) {
-    fun saveMibUserProfile(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()
+        prefs.edit().putString("mib_${loginId}_enc_profile", encrypt(json, key)).apply()
-        // Keep the name in sync with the fast-path field
+        prefs.edit().putString("mib_${loginId}_enc_full_name", encrypt(p.fullName, key)).apply()
-        prefs.edit().putString("mib_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/FinancingCache.kt

@@ -3,12 +3,14 @@ package sh.sar.basedbank.util
 import android.content.Context
 import org.json.JSONArray
 import org.json.JSONObject
+import sh.sar.basedbank.api.bml.BmlLoanDetail
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 
 object FinancingCache {
 
     private const val PREFS = "financing_cache"
     private const val KEY_MIB = "mib_financing"
+    private const val KEY_BML_LOANS = "bml_loans"
 
     fun save(context: Context, deals: List<MibFinanceDeal>) {
         val arr = JSONArray()
@@ -34,6 +36,52 @@ object FinancingCache {
             .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
+    fun saveBmlLoans(context: Context, loans: Map<String, BmlLoanDetail>) {
+        val arr = JSONArray()
+        for ((internalId, d) in loans) {
+            arr.put(JSONObject().apply {
+                put("internalId", internalId)
+                put("loanAmount", d.loanAmount)
+                put("outstandingAmt", d.outstandingAmt)
+                put("repayAmount", d.repayAmount)
+                put("intRate", d.intRate)
+                put("loanStatus", d.loanStatus)
+                put("startDate", d.startDate)
+                put("endDate", d.endDate)
+                put("noOfRepayOverdue", d.noOfRepayOverdue)
+                put("overdueAmount", d.overdueAmount)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(KEY_BML_LOANS, CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadBmlLoans(context: Context): Map<String, BmlLoanDetail> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(KEY_BML_LOANS, null) ?: return emptyMap()
+        return try {
+            val json = CacheEncryption.decrypt(raw)
+            val arr = JSONArray(json)
+            buildMap {
+                for (i in 0 until arr.length()) {
+                    val o = arr.getJSONObject(i)
+                    val id = o.optString("internalId")
+                    if (id.isNotBlank()) put(id, BmlLoanDetail(
+                        loanAmount       = o.optDouble("loanAmount", 0.0),
+                        outstandingAmt   = o.optDouble("outstandingAmt", 0.0),
+                        repayAmount      = o.optDouble("repayAmount", 0.0),
+                        intRate          = o.optDouble("intRate", 0.0),
+                        loanStatus       = o.optString("loanStatus"),
+                        startDate        = o.optString("startDate"),
+                        endDate          = o.optString("endDate"),
+                        noOfRepayOverdue = o.optInt("noOfRepayOverdue", 0),
+                        overdueAmount    = o.optDouble("overdueAmount", 0.0)
+                    ))
+                }
+            }
+        } catch (_: Exception) { emptyMap() }
+    }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }

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

@@ -0,0 +1,118 @@
+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.BmlHistoryClient
+import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.mib.MibHistoryClient
+import sh.sar.basedbank.api.models.BankTransaction
+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: BankAccount) {
+
+    private val isMib     get() = account.bank == "MIB"
+    private val isBmlCard get() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
+    private val isBmlLoan get() = account.profileType == "BML_LOAN"
+    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 {
+        isBmlLoan -> false
+        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<BankTransaction> = when {
+        isBmlLoan -> emptyList()
+        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<BankTransaction> {
+        val session = app.fahipaySessionFor(account) ?: return emptyList()
+        val (list, total) = FahipayHistoryClient().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<BankTransaction> {
+        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<BankTransaction> {
+        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 BmlHistoryClient().fetchCardHistory(
+            session            = session,
+            cardId             = account.internalId,
+            accountDisplayName = account.accountBriefName,
+            accountNumber      = account.accountNumber,
+            month              = month
+        )
+    }
+
+    private fun fetchBmlCasa(app: BasedBankApp): List<BankTransaction> {
+        val session = app.bmlSessionFor(account) ?: return emptyList()
+        val (list, totalPages) = BmlHistoryClient().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.models.BankContact
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object BmlContactParser {
+
+    fun displayData(contact: BankContact) = 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 +1,70 @@
+package sh.sar.basedbank.util.bmlapi
+
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
+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: BankAccount): AccountListDisplay? {
+        if (account.profileType == "BML_LOAN") return null  // Loans shown on financing page only
+        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} ${account.availableBalance}",
+                isCard        = true,
+                cardBrandIcon = cardBrandIcon(account.accountTypeName),
+                statusLabel   = if (isActive) null else account.statusDesc
+            )
+        } else {
+            AccountListDisplay(
+                name      = account.accountBriefName,
+                number    = account.accountNumber,
+                typeLabel = productLabel(account.accountTypeName),
+                balance   = listBalance(account)
+            )
+        }
+    }
+
+    /**
+     * Returns a display-ready product label for a BML dashboard account or card.
+     */
+    fun productLabel(raw: String): String {
+        val u = raw.trim().uppercase()
+        return when {
+            u == "SAVINGS ACCOUNT"                       -> "Savings"
+            u == "CURRENT ACCOUNT" ||
+            u == "CURRENT ACCOUNT(PERSONAL)" ||
+            u == "CURRENT ACCOUNT(BUSINESS)"             -> "Current"
+            u == "WADIAH RETAIL CURRENT ACCOUNT" ||
+            u == "WADIAH BUSINESS CURRENT ACCOUNT"       -> "Islamic Current"
+            u == "BML ISLAMIC SAVINGS ACCOUNT"           -> "Islamic Savings"
+            else                                         -> toTitleCase(raw)
+        }
+    }
+
+    /** Balance shown in the accounts list — ledger (working) balance for BML CASA. */
+    fun listBalance(account: BankAccount): String =
+        "${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.models.BankAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object BmlHistoryParser {
+
+    fun displayData(account: BankAccount): 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.models.BankAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object FahipayAccountParser {
+
+    fun displayData(account: BankAccount) = 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.models.BankContact
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object FahipayContactParser {
+
+    fun displayData(contact: BankContact) = 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.models.BankAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object FahipayHistoryParser {
+
+    fun displayData(account: BankAccount) = 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.models.BankAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object MibAccountParser {
+
+    fun displayData(account: BankAccount) = 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.models.BankContact
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.TransferNetwork
+
+object MibContactParser {
+
+    fun displayData(contact: BankContact): 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.models.BankAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object MibHistoryParser {
+
+    fun displayData(account: BankAccount) = 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/avd_hide_amounts.xml

@@ -0,0 +1,58 @@
+<?xml version="1.0" encoding="utf-8"?>
+<animated-vector
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:aapt="http://schemas.android.com/aapt">
+
+  <aapt:attr name="android:drawable">
+    <vector
+        android:height="24dp"
+        android:viewportHeight="24"
+        android:viewportWidth="24"
+        android:width="24dp"
+        android:tint="?attr/colorControlNormal">
+
+      <path
+          android:name="strike_through"
+          android:pathData="M3.27,4.27 L19.74,20.74"
+          android:strokeColor="@android:color/white"
+          android:strokeLineCap="square"
+          android:strokeWidth="1.8"
+          android:trimPathEnd="0"/>
+
+      <group>
+        <clip-path
+            android:name="eye_mask"
+            android:pathData="M2,4.27 L2,4.27 L4.54,1.73 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"/>
+        <path
+            android:name="eye"
+            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"/>
+      </group>
+
+    </vector>
+  </aapt:attr>
+
+  <target android:name="eye_mask">
+    <aapt:attr name="android:animation">
+      <objectAnimator
+          android:duration="320"
+          android:interpolator="@android:interpolator/fast_out_slow_in"
+          android:propertyName="pathData"
+          android:valueFrom="M2,4.27 L2,4.27 L4.54,1.73 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"
+          android:valueTo="M2,4.27 L19.73,22 L22.27,19.46 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"
+          android:valueType="pathType"/>
+    </aapt:attr>
+  </target>
+
+  <target android:name="strike_through">
+    <aapt:attr name="android:animation">
+      <objectAnimator
+          android:duration="320"
+          android:interpolator="@android:interpolator/fast_out_slow_in"
+          android:propertyName="trimPathEnd"
+          android:valueFrom="0"
+          android:valueTo="1"/>
+    </aapt:attr>
+  </target>
+
+</animated-vector>

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

@@ -0,0 +1,52 @@
+<?xml version="1.0" encoding="utf-8"?>
+<animated-vector
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:aapt="http://schemas.android.com/aapt">
+
+  <aapt:attr name="android:drawable">
+    <vector
+        android:height="24dp"
+        android:viewportHeight="24"
+        android:viewportWidth="24"
+        android:width="24dp"
+        android:tint="?attr/colorControlNormal">
+
+      <!--
+        Shackle drawn first (behind body) so it appears to slot into the body.
+        Starts translateY=-4 (open/raised), animates to 0 (locked).
+      -->
+      <group
+          android:name="shackle"
+          android:translateY="-4">
+        <path
+            android:fillColor="@android:color/transparent"
+            android:pathData="M8.9,10V6c0,-1.71 1.39,-3.1 3.1,-3.1 1.71,0 3.1,1.39 3.1,3.1V10"
+            android:strokeColor="@android:color/white"
+            android:strokeLineCap="round"
+            android:strokeWidth="2.2"/>
+      </group>
+
+      <!--
+        Body on top — covers the shackle legs once they slide inside.
+        Even-odd fill cuts out the keyhole.
+      -->
+      <path
+          android:fillColor="@android:color/white"
+          android:fillType="evenOdd"
+          android:pathData="M6,8H18c1.1,0 2,0.9 2,2V20c0,1.1-0.9,2-2,2H6c-1.1,0-2,-0.9-2,-2V10c0,-1.1 0.9,-2 2,-2zM12,15c-1.1,0-2,0.9-2,2s0.9,2 2,2 2,-0.9 2,-2-0.9,-2-2,-2z"/>
+
+    </vector>
+  </aapt:attr>
+
+  <target android:name="shackle">
+    <aapt:attr name="android:animation">
+      <objectAnimator
+          android:duration="320"
+          android:interpolator="@android:interpolator/overshoot"
+          android:propertyName="translateY"
+          android:valueFrom="-4"
+          android:valueTo="0"/>
+    </aapt:attr>
+  </target>
+
+</animated-vector>

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

@@ -0,0 +1,57 @@
+<?xml version="1.0" encoding="utf-8"?>
+<animated-vector
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:aapt="http://schemas.android.com/aapt">
+
+  <aapt:attr name="android:drawable">
+    <vector
+        android:height="24dp"
+        android:viewportHeight="24"
+        android:viewportWidth="24"
+        android:width="24dp"
+        android:tint="?attr/colorControlNormal">
+
+      <path
+          android:name="strike_through"
+          android:pathData="M3.27,4.27 L19.74,20.74"
+          android:strokeColor="@android:color/white"
+          android:strokeLineCap="square"
+          android:strokeWidth="1.8"/>
+
+      <group>
+        <clip-path
+            android:name="eye_mask"
+            android:pathData="M2,4.27 L19.73,22 L22.27,19.46 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"/>
+        <path
+            android:name="eye"
+            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"/>
+      </group>
+
+    </vector>
+  </aapt:attr>
+
+  <target android:name="eye_mask">
+    <aapt:attr name="android:animation">
+      <objectAnimator
+          android:duration="200"
+          android:interpolator="@android:interpolator/fast_out_linear_in"
+          android:propertyName="pathData"
+          android:valueFrom="M2,4.27 L19.73,22 L22.27,19.46 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"
+          android:valueTo="M2,4.27 L2,4.27 L4.54,1.73 L4.54,1.73 L4.54,1 L23,1 L23,23 L1,23 L1,4.27 Z"
+          android:valueType="pathType"/>
+    </aapt:attr>
+  </target>
+
+  <target android:name="strike_through">
+    <aapt:attr name="android:animation">
+      <objectAnimator
+          android:duration="200"
+          android:interpolator="@android:interpolator/fast_out_linear_in"
+          android:propertyName="trimPathEnd"
+          android:valueFrom="1"
+          android:valueTo="0"/>
+    </aapt:attr>
+  </target>
+
+</animated-vector>

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

@@ -0,0 +1,7 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android">
+    <gradient
+        android:startColor="#00000000"
+        android:endColor="#CC000000"
+        android:angle="270"/>
+</shape>

app/src/main/res/drawable/ic_block.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/colorOnSurface"
+        android:pathData="M12,2C6.48,2 2,6.48 2,12s4.48,10 10,10 10,-4.48 10,-10S17.52,2 12,2zM4,12c0,-4.42 3.58,-8 8,-8 1.85,0 3.55,0.63 4.9,1.68L5.68,16.9C4.63,15.55 4,13.85 4,12zM12,20c-1.85,0 -3.55,-0.63 -4.9,-1.68L18.32,7.1C19.37,8.45 20,10.15 20,12c0,4.42 -3.58,8 -8,8z"/>
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M20,4H4C2.9,4 2,4.9 2,6v12c0,1.1 0.9,2 2,2h16c1.1,0 2,-0.9 2,-2V6c0,-1.1 -0.9,-2 -2,-2zM20,8l-8,5 -8,-5V6l8,5 8,-5v2z"/>
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M20,2H4C2.9,2 2,2.9 2,4v18l4,-4h14c1.1,0 2,-0.9 2,-2V4c0,-1.1 -0.9,-2 -2,-2zM9,11H7V9h2v2zM13,11h-2V9h2v2zM17,11h-2V9h2v2z"/>
+</vector>

app/src/main/res/drawable/ic_channel_whatsapp.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="32"
+    android:viewportHeight="32">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M26.576 5.363c-2.69-2.69-6.406-4.354-10.511-4.354-8.209 0-14.865 6.655-14.865 14.865 0 2.732 0.737 5.291 2.022 7.491l-0.038-0.070-2.109 7.702 7.879-2.067c2.051 1.139 4.498 1.809 7.102 1.809h0.006c8.209-0.003 14.862-6.659 14.862-14.868 0-4.103-1.662-7.817-4.349-10.507zM16.062 28.228h-0.005c-2.319 0-4.489-0.64-6.342-1.753l0.056 0.031-0.451-0.267-4.675 1.227 1.247-4.559-0.294-0.467c-1.185-1.862-1.889-4.131-1.889-6.565 0-6.822 5.531-12.353 12.353-12.353s12.353 5.531 12.353 12.353c0 6.822-5.53 12.353-12.353 12.353zM22.838 18.977c-0.371-0.186-2.197-1.083-2.537-1.208-0.341-0.124-0.589-0.185-0.837 0.187-0.246 0.371-0.958 1.207-1.175 1.455-0.216 0.249-0.434 0.279-0.805 0.094-1.15-0.466-2.138-1.087-2.997-1.852l0.010 0.009c-0.799-0.74-1.484-1.587-2.037-2.521l-0.028-0.052c-0.216-0.371-0.023-0.572 0.162-0.757 0.167-0.166 0.372-0.434 0.557-0.65 0.146-0.179 0.271-0.384 0.366-0.604l0.006-0.017c0.043-0.087 0.068-0.188 0.068-0.296 0-0.131-0.037-0.253-0.101-0.357l0.002 0.003c-0.094-0.186-0.836-2.014-1.145-2.758-0.302-0.724-0.609-0.625-0.836-0.637-0.216-0.010-0.464-0.012-0.712-0.012-0.395 0.010-0.746 0.188-0.988 0.463l-0.001 0.002c-0.802 0.761-1.3 1.834-1.3 3.023 0 0.026 0 0.053 0.001 0.079c0.131 1.467 0.681 2.784 1.527 3.857l-0.012-0.015c1.604 2.379 3.742 4.282 6.251 5.564l0.094 0.043c0.548 0.248 1.25 0.513 1.968 0.74l0.149 0.041c0.442 0.14 0.951 0.221 1.479 0.221 0.303 0 0.601-0.027 0.889-0.078l-0.031 0.004c1.069-0.223 1.956-0.868 2.497-1.749l0.009-0.017c0.165-0.366 0.261-0.793 0.261-1.242 0-0.185-0.016-0.366-0.047-0.542l0.003 0.019c-0.092-0.155-0.34-0.247-0.712-0.434z"/>
+</vector>

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_freeze.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/colorOnSurface"
+        android:pathData="M22,11h-4.17l3.24,-3.24 -1.41,-1.42L15,11h-2V9l4.66,-4.66 -1.42,-1.41L13,6.17V2h-2v4.17L7.76,2.93 6.34,4.34 11,9v2H9L4.34,6.34 2.93,7.76 6.17,11H2v2h4.17l-3.24,3.24 1.41,1.42L9,13h2v2l-4.66,4.66 1.42,1.41L11,17.83V22h2v-4.17l3.24,3.24 1.42,-1.41L13,15v-2h2l4.66,4.66 1.41,-1.42L17.83,13H22z"/>
+</vector>

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

@@ -5,7 +5,19 @@
     android:viewportWidth="24"
     android:viewportHeight="24"
     android:tint="?attr/colorControlNormal">
+
+    <!-- Shackle (behind body) -->
+    <path
+        android:fillColor="@android:color/transparent"
+        android:pathData="M8.9,10V6c0,-1.71 1.39,-3.1 3.1,-3.1 1.71,0 3.1,1.39 3.1,3.1V10"
+        android:strokeColor="@android:color/white"
+        android:strokeLineCap="round"
+        android:strokeWidth="2.2"/>
+
+    <!-- Body + keyhole cutout -->
     <path
         android:fillColor="@android:color/white"
-        android:pathData="M18,8h-1V6c0-2.76-2.24-5-5-5S7,3.24 7,6v2H6c-1.1,0-2,0.9-2,2v10c0,1.1 0.9,2 2,2h12c1.1,0 2,-0.9 2,-2V10c0,-1.1-0.9,-2-2,-2zm-6,9c-1.1,0-2,-0.9-2,-2s0.9,-2 2,-2 2,0.9 2,2-0.9,2-2,2zm3.1,-9H8.9V6c0,-1.71 1.39,-3.1 3.1,-3.1 1.71,0 3.1,1.39 3.1,3.1v2z" />
+        android:fillType="evenOdd"
+        android:pathData="M6,8H18c1.1,0 2,0.9 2,2V20c0,1.1-0.9,2-2,2H6c-1.1,0-2,-0.9-2,-2V10c0,-1.1 0.9,-2 2,-2zM12,15c-1.1,0-2,0.9-2,2s0.9,2 2,2 2,-0.9 2,-2-0.9,-2-2,-2z"/>
+
 </vector>

app/src/main/res/drawable/ic_nfc.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/colorOnSurface"
+        android:pathData="M20,2L4,2C2.9,2 2,2.9 2,4l0,16c0,1.1 0.9,2 2,2l16,0c1.1,0 2,-0.9 2,-2L22,4C22,2.9 21.1,2 20,2zM13,18l-2,0 0,-1c-2.76,0 -5,-2.24 -5,-5s2.24,-5 5,-5 5,2.24 5,5l-2,0c0,-1.65 -1.35,-3 -3,-3s-3,1.35 -3,3 1.35,3 3,3l0,-2 2,3zM19,12l-2,0c0,-2.76 -2.24,-5 -5,-5l0,-2C15.87,5 19,8.13 19,12z"/>
+</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>