A unified Android banking app for Maldivians that combines MIB (Faisanet), BML (Bank of Maldives), and Fahipay into a single interface — with no analytics, no tracking, and no phone-home behaviour outside the banks themselves.

What it does

Multi-bank dashboard — view balances across all your MIB, BML, and Fahipay accounts in one place, with a combined MVR and USD total
Transaction history — paginated, searchable transaction history per account for MIB CASA, BML CASA, BML prepaid cards, and Fahipay wallet
Transfers — send money between accounts and to saved contacts; supports MIB-to-MIB, BML-to-BML, and cross-bank (MIB↔BML via FAVARA)
Contacts — manage saved beneficiaries across all banks; validates Dhiraagu and Ooredoo numbers and shows the account owner name before you add
Fahipay — full wallet support including balance, history with merchant icons, and Fahipay favourites (Raastas, Reload, Ooredoo Bill, Dhiraagu Bill)
QR payments — scan PayMV QR codes to pre-fill transfers
BML foreign limits — view your foreign currency spending allowances and breakdowns by ATM / POS / ECOM
MIB financing — view active financing deals

Authentication

The app requires your existing credentials for each bank — the same username/password/OTP seed you use with the official apps. It stores them encrypted using AES-256-GCM backed by the Android Keystore (hardware secure enclave).

Each bank's 2FA uses TOTP, so you need to have your OTP seed (the same secret used by your authenticator app).

Security

All credentials encrypted at rest with AES-256-GCM (Android Keystore)
Lock screen protected by PBKDF2-HMAC-SHA256 (100,000 iterations) with optional biometric unlock
FLAG_SECURE on by default — content hidden in app switcher and screenshots blocked
All sensitive data excluded from Android cloud backup
Zero analytics, crash reporters, or third-party SDKs — network traffic goes only to MIB, BML, Fahipay, and the Maldivian telecoms for number validation

See docs/AI_SECURITY_CHECK.md for the full security audit.

Supported banks

Bank	Login	Accounts	History	Transfers	Contacts
MIB (Faisanet)	username + password + TOTP	✓	✓	✓	✓
BML (Bank of Maldives)	username + password + TOTP	✓	✓	✓	✓
Fahipay	national ID + password + TOTP	✓	✓	—	✓ (favourites)

Requirements

Android 8.0+ (API 26)
Existing accounts with MIB, BML, or Fahipay
Your TOTP seed (base32 secret from your authenticator app setup) for each bank

Building

Open in Android Studio and run. No API keys or secrets required — all protocol constants are derived from the official apps and are included in the source.

The release signing config reads from environment variables (KEYSTORE_PASSWORD, KEY_ALIAS, KEY_PASSWORD).

How it works

BasedBank talks directly to each bank's existing mobile API using the same protocol as their official apps, reverse-engineered from the APKs. It does not use any intermediary server — requests go straight from your device to the bank.

MIB: Blowfish/ECB encrypted JSON over HTTPS with a Diffie-Hellman session key exchange
BML: PKCE OAuth 2.0 flow via the BML web login, exchanged for a Bearer token used on the mobile API
Fahipay: multipart form login with TOTP, session maintained via __Secure-sess cookie and authid header

Privacy

No data ever leaves your device except the API calls to the banking services themselves. See the security audit for a full list of every server the app connects to.

Disclaimer

This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by MIB, BML, or Fahipay. Use at your own risk. Review the source code before entering your banking credentials.