lazy loading

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

@@ -3,8 +3,10 @@ package sh.sar.basedbank
 import android.content.Intent
 import android.os.Bundle
 import androidx.appcompat.app.AppCompatActivity
+import sh.sar.basedbank.ui.home.HomeActivity
 import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.ui.onboarding.OnboardingActivity
+import sh.sar.basedbank.util.CredentialStore
 
 class MainActivity : AppCompatActivity() {
 
@@ -13,10 +15,13 @@ class MainActivity : AppCompatActivity() {
         val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
+        val hasCredentials = CredentialStore(this).hasMibCredentials()
+
         val target = when {
             !onboardingDone -> OnboardingActivity::class.java
-            securitySet -> LockActivity::class.java
-            else -> LoginActivity::class.java
+            !hasCredentials -> LoginActivity::class.java
+            securitySet -> LockActivity::class.java  // proceed() → HomeActivity
+            else -> HomeActivity::class.java
         }
         startActivity(Intent(this, target))
         finish()