contacts: paginate MIB contact loading + cache progressively

The old refresh path called MibContactsClient.fetchContacts() per
profile, which greedily walked every page and stuffed the union into
the contacts cache in one shot. A user with several hundred or several
thousand MIB beneficiaries paid for N round-trips before the screen
could render, and the cache write encrypted the whole blob each time.

Introduces a paginator that streams contacts on demand:

  * MibContactsClient.fetchContactsPage(session, start, count) — single
    page; fetchContacts() now layers on top for callers that want all
    pages.

  * MibContactsPaginator — walks the user's MIB profiles serially under
    the existing mibMutex, returning one page per nextPage() call.
    Categories are accumulated across calls.

  * HomeActivity.refreshContacts now requests just the first page
    (default 30 contacts) per login. Subsequent pages arrive via
    HomeActivity.loadMoreMibContacts(), which ContactsFragment fires
    from a scroll listener when the user is within 5 rows of the end
    of any tab. NEXT_PAGE_SIZE is 100 — matches the API's natural
    page size.

  * ContactsCache.appendContacts merges a new page into the cached
    list (dedupe by benefNo) instead of overwriting. The first page
    of a refresh still uses save() so deletions take effect.

  * HomeViewModel exposes mibContactsLoading / mibContactsHasMore
    so the fragment can show a loading footer (item_loading_footer)
    on each contact tab while a page is in flight.

  * ContactsAdapter grows a showLoadingFooter flag and a second view
    type for the footer row.

Search remains client-side over the loaded set — results may be
partial until the user keeps scrolling. The MIB API supports
server-side search via the `search` parameter but wiring it in is a
separate change.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

.gitea/workflows/build-apk.yml

@@ -87,24 +87,3 @@ jobs:
             --data-binary "@${ASSET_PATH}"
 
           echo "Uploaded asset: $ASSET_NAME"
-
-      - name: Send APK to Telegram
-        env:
-          TG_BOT_TOKEN: ${{ secrets.TG_BOT_TOKEN }}
-          TG_CHAT_ID: ${{ vars.TG_CHAT_ID }}
-        run: |
-          if [ -z "$TG_BOT_TOKEN" ] || [ -z "$TG_CHAT_ID" ]; then
-            echo "TG_BOT_TOKEN or TG_CHAT_ID not set, skipping Telegram upload."
-            exit 0
-          fi
-
-          APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
-          TAG="${{ gitea.ref_name }}"
-          ASSET_PATH=".build/release/release/${APP_NAME}-${TAG}.apk"
-          CAPTION="${APP_NAME} ${TAG}"
-
-          curl -s -X POST "https://api.telegram.org/bot${TG_BOT_TOKEN}/sendDocument" \
-            -F "chat_id=${TG_CHAT_ID}" \
-            -F "document=@${ASSET_PATH}" \
-            -F "caption=${CAPTION}"

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 9
-        versionName = "1.0.10"
+        versionCode = 8
+        versionName = "1.0.9"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }

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

@@ -115,11 +115,7 @@ class BasedBankApp : Application() {
 
     override fun onCreate() {
         super.onCreate()
-        // Only apply wallpaper-based dynamic colors in system theme mode.
-        // Light/dark modes use content-based accent colors applied per-activity via ThemeHelper.
-        DynamicColors.applyToActivitiesIfAvailable(this) { _, _ ->
-            getSharedPreferences("prefs", MODE_PRIVATE).getString("theme", "system") == "system"
-        }
+        DynamicColors.applyToActivitiesIfAvailable(this)
 
         val theme = getSharedPreferences("prefs", MODE_PRIVATE).getString("theme", "system")
         AppCompatDelegate.setDefaultNightMode(when (theme) {

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

@@ -21,7 +21,6 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.databinding.ActivityLockBinding
 import sh.sar.basedbank.ui.home.HomeActivity
 import sh.sar.basedbank.util.CredentialStore
-import sh.sar.basedbank.util.ThemeHelper
 import sh.sar.basedbank.BasedBankApp
 import javax.crypto.SecretKeyFactory
 import javax.crypto.spec.PBEKeySpec
@@ -47,7 +46,6 @@ class LockActivity : AppCompatActivity() {
     }
 
     override fun onCreate(savedInstanceState: Bundle?) {
-        ThemeHelper.applyAccent(this)
         super.onCreate(savedInstanceState)
         WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityLockBinding.inflate(layoutInflater)
@@ -57,9 +55,6 @@ class LockActivity : AppCompatActivity() {
             isAppearanceLightStatusBars = isLight
             isAppearanceLightNavigationBars = isLight
         }
-        val ta = obtainStyledAttributes(intArrayOf(android.R.attr.colorBackground))
-        window.statusBarColor = ta.getColor(0, if (isLight) android.graphics.Color.WHITE else android.graphics.Color.BLACK)
-        ta.recycle()
         ViewCompat.setOnApplyWindowInsetsListener(binding.root) { view, insets ->
             val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
             view.setPadding(bars.left, bars.top, bars.right, bars.bottom)

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

@@ -61,38 +61,51 @@ class MibContactsClient {
         }
     }
 
+    /** Fetch a single page of contacts. Returns the list and the server-reported total count.
+     *  [start] is 1-based; [count] is the desired page size. */
+    fun fetchContactsPage(
+        session: MibSession,
+        start: Int,
+        count: Int
+    ): Pair<List<MibBeneficiary>, Int> {
+        val end = start + count - 1
+        // Server uses 100-row pages internally for its own pagination; we mirror that
+        // by computing a page index that aligns with our start offset.
+        val page = ((start - 1) / 100) + 1
+        val body = FormBody.Builder()
+            .add("page", page.toString())
+            .add("search", "")
+            .add("searchCategoryId", "0")
+            .add("benefType", "A")
+            .add("sortBenef", "name")
+            .add("sortDir", "asc")
+            .add("start", start.toString())
+            .add("end", end.toString())
+            .add("includeCount", "1")
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxBeneficiary/main")
+            .post(body)
+            .withSessionHeaders(session)
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            if (!response.isSuccessful) return Pair(emptyList(), 0)
+            parseContacts(response.body?.string() ?: return Pair(emptyList(), 0))
+        }
+    }
+
+    /** Convenience: fetch all pages and return the union. Used by callers that don't paginate. */
     fun fetchContacts(session: MibSession): List<MibBeneficiary> {
         val all = mutableListOf<MibBeneficiary>()
-        var page = 1
+        var start = 1
         val pageSize = 100
         while (true) {
-            val start = (page - 1) * pageSize + 1
-            val end = page * pageSize
-            val body = FormBody.Builder()
-                .add("page", page.toString())
-                .add("search", "")
-                .add("searchCategoryId", "0")
-                .add("benefType", "A")
-                .add("sortBenef", "name")
-                .add("sortDir", "asc")
-                .add("start", start.toString())
-                .add("end", end.toString())
-                .add("includeCount", "1")
-                .build()
-
-            val request = Request.Builder()
-                .url("$BASE_WV_URL/ajaxBeneficiary/main")
-                .post(body)
-                .withSessionHeaders(session)
-                .build()
-
-            val (contacts, totalCount) = client.newCall(request).execute().use { response ->
-                if (!response.isSuccessful) return all
-                parseContacts(response.body?.string() ?: return all)
-            }
+            val (contacts, totalCount) = fetchContactsPage(session, start, pageSize)
             all.addAll(contacts)
             if (all.size >= totalCount || contacts.isEmpty()) break
-            page++
+            start += pageSize
         }
         return all
     }

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

@@ -0,0 +1,80 @@
+package sh.sar.basedbank.api.mib
+
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.sync.withLock
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+
+/**
+ * Streams MIB contacts one page at a time, walking the user's MIB profiles in order.
+ *
+ * For multi-profile users we stay on the current profile until its server-reported
+ * `total_count` is reached, then advance to the next profile. Each profile switch is
+ * protected by the global `mibMutex` to keep the session state coherent.
+ *
+ * Categories are fetched lazily on the first page of each profile and accumulated
+ * across calls — the latest snapshot is exposed via [allCategories].
+ */
+class MibContactsPaginator(
+    private val app: BasedBankApp,
+    val loginId: String,
+    private val session: MibSession,
+    private val profiles: List<MibProfile>,
+    private val client: MibContactsClient = MibContactsClient()
+) {
+    private var profileIndex = 0
+    private var nextStart = 1
+    private var totalForCurrentProfile = -1
+    private var categoriesFetchedForProfile = false
+
+    private val accumulatedCategories = LinkedHashMap<String, BankContactCategory>()
+    val allCategories: List<BankContactCategory>
+        get() = accumulatedCategories.values.toList()
+
+    fun hasMore(): Boolean = profileIndex < profiles.size
+
+    /** Fetch one page of up to [count] contacts. Returns the contacts contributed by
+     *  this call (may be empty if a profile errored or returned no rows). Advances
+     *  the internal cursor; subsequent calls continue from where this left off. */
+    suspend fun nextPage(count: Int): List<BankContact> = withContext(Dispatchers.IO) {
+        if (!hasMore()) return@withContext emptyList()
+
+        val profile = profiles[profileIndex]
+        val flow = app.mibFlowFor(loginId)
+
+        val contacts = app.mibMutex.withLock {
+            try {
+                flow.switchProfile(session, profile)
+                if (!categoriesFetchedForProfile) {
+                    for (cat in client.fetchCategories(session)) {
+                        accumulatedCategories.putIfAbsent(
+                            cat.id,
+                            BankContactCategory(cat.id, cat.categoryName, cat.numBenef)
+                        )
+                    }
+                    categoriesFetchedForProfile = true
+                }
+                val (page, total) = client.fetchContactsPage(session, nextStart, count)
+                if (total > 0) totalForCurrentProfile = total
+                nextStart += page.size.coerceAtLeast(count)
+                page.map { it.copy(profileId = profile.profileId) }
+            } catch (_: Exception) {
+                // Bail on this profile and advance — keeps the paginator robust.
+                emptyList()
+            }
+        }
+
+        val exhausted =
+            (totalForCurrentProfile > 0 && nextStart - 1 >= totalForCurrentProfile) ||
+            contacts.isEmpty()
+        if (exhausted) {
+            profileIndex++
+            nextStart = 1
+            totalForCurrentProfile = -1
+            categoriesFetchedForProfile = false
+        }
+        contacts
+    }
+}

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

@@ -8,6 +8,7 @@ import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
 import android.view.LayoutInflater
+import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
@@ -20,7 +21,7 @@ class ContactsAdapter(
     private val onImageNeeded: (hash: String) -> Unit,
     private val onDeleteClick: (ContactDisplay) -> Unit,
     private val onTransferClick: (ContactDisplay) -> Unit
-) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private var allContacts: List<ContactDisplay> = emptyList()
     private var displayed: List<ContactDisplay> = emptyList()
@@ -28,6 +29,15 @@ class ContactsAdapter(
     private var activeCategoryId: String? = null
     private var searchQuery: String = ""
 
+    /** When true, a loading footer row is shown after the last contact. */
+    var showLoadingFooter: Boolean = false
+        set(value) {
+            if (field == value) return
+            field = value
+            if (value) notifyItemInserted(displayed.size)
+            else notifyItemRemoved(displayed.size)
+        }
+
     fun updateContacts(contacts: List<ContactDisplay>) {
         allContacts = contacts
         applyFilter()
@@ -58,24 +68,32 @@ class ContactsAdapter(
         notifyDataSetChanged()
     }
 
-    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
+    override fun getItemViewType(position: Int): Int =
+        if (position == displayed.size && showLoadingFooter) VIEW_TYPE_FOOTER else VIEW_TYPE_CONTACT
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        if (viewType == VIEW_TYPE_FOOTER) {
+            val footer = LayoutInflater.from(parent.context)
+                .inflate(R.layout.item_loading_footer, parent, false)
+            return FooterHolder(footer)
+        }
         val binding = ItemContactBinding.inflate(LayoutInflater.from(parent.context), parent, false)
         val holder = ViewHolder(binding)
 
         binding.btnTransferContact.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onTransferClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION && pos < displayed.size) onTransferClick(displayed[pos])
         }
         binding.btnEditContact.setOnClickListener {
             Toast.makeText(it.context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
         }
         binding.btnDeleteContact.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onDeleteClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION && pos < displayed.size) onDeleteClick(displayed[pos])
         }
         binding.root.setOnLongClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos == RecyclerView.NO_POSITION) return@setOnLongClickListener false
+            if (pos == RecyclerView.NO_POSITION || pos >= displayed.size) return@setOnLongClickListener false
             val account = displayed[pos].accountNumber
             val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
             clipboard.setPrimaryClip(ClipData.newPlainText("account", account))
@@ -86,15 +104,23 @@ class ContactsAdapter(
         return holder
     }
 
-    override fun onBindViewHolder(holder: ViewHolder, position: Int) {
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        if (holder is FooterHolder) return
         val contact = displayed[position]
         val cachedImage = contact.imageHash?.let { hash ->
             imageCache[hash] ?: run { onImageNeeded(hash); null }
         }
-        holder.bind(contact, cachedImage)
+        (holder as ViewHolder).bind(contact, cachedImage)
     }
 
-    override fun getItemCount() = displayed.size
+    override fun getItemCount() = displayed.size + if (showLoadingFooter) 1 else 0
+
+    private class FooterHolder(view: View) : RecyclerView.ViewHolder(view)
+
+    private companion object {
+        const val VIEW_TYPE_CONTACT = 0
+        const val VIEW_TYPE_FOOTER = 1
+    }
 
     inner class ViewHolder(val binding: ItemContactBinding) :
         RecyclerView.ViewHolder(binding.root) {

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

@@ -76,6 +76,9 @@ class ContactsFragment : Fragment() {
         fun updateImage(hash: String, bitmap: Bitmap) =
             contactAdapters.forEach { it.updateImage(hash, bitmap) }
 
+        fun setLoadingFooter(visible: Boolean) =
+            contactAdapters.forEach { it.showLoadingFooter = visible }
+
         inner class PageHolder(val rv: RecyclerView) : RecyclerView.ViewHolder(rv)
 
         override fun getItemCount() = pages.size
@@ -93,6 +96,7 @@ class ContactsFragment : Fragment() {
                 val p80 = (65 * density).toInt()
                 setPadding(0, p4, 0, p80)
                 adapter = contactAdapters[viewType]
+                addOnScrollListener(scrollListener)
             }
             return PageHolder(rv)
         }
@@ -100,6 +104,24 @@ class ContactsFragment : Fragment() {
         override fun onBindViewHolder(holder: PageHolder, position: Int) {}
     }
 
+    /** Triggers paginated MIB contact loading when the user scrolls within
+     *  LOAD_MORE_THRESHOLD rows of the end of any tab. */
+    private val scrollListener = object : RecyclerView.OnScrollListener() {
+        override fun onScrolled(rv: RecyclerView, dx: Int, dy: Int) {
+            if (dy <= 0) return
+            val lm = rv.layoutManager as? LinearLayoutManager ?: return
+            val total = lm.itemCount
+            if (total == 0) return
+            if (lm.findLastVisibleItemPosition() >= total - LOAD_MORE_THRESHOLD) {
+                (activity as? HomeActivity)?.loadMoreMibContacts()
+            }
+        }
+    }
+
+    private companion object {
+        const val LOAD_MORE_THRESHOLD = 5
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentContactsBinding.inflate(inflater, container, false)
         return binding.root
@@ -149,6 +171,15 @@ class ContactsFragment : Fragment() {
             binding.emptyView.visibility = if (contacts.isEmpty()) View.VISIBLE else View.GONE
             binding.loadingView.visibility = View.GONE
         }
+
+        // Show a loading footer on each contact list while more MIB pages are arriving.
+        val updateFooter: () -> Unit = {
+            val loading = viewModel.mibContactsLoading.value == true
+            val hasMore = viewModel.mibContactsHasMore.value == true
+            pagerAdapter.setLoadingFooter(loading && hasMore)
+        }
+        viewModel.mibContactsLoading.observe(viewLifecycleOwner) { updateFooter() }
+        viewModel.mibContactsHasMore.observe(viewLifecycleOwner) { updateFooter() }
     }
 
     private fun attachMediator(pages: List<TabPage>) {
@@ -165,6 +196,10 @@ class ContactsFragment : Fragment() {
         }
         val savedPosition = binding.viewPager.currentItem
         pagerAdapter = ContactsPagerAdapter(pages)
+        pagerAdapter.setLoadingFooter(
+            (viewModel.mibContactsLoading.value == true) &&
+            (viewModel.mibContactsHasMore.value == true)
+        )
         binding.viewPager.adapter = pagerAdapter
         attachMediator(pages)
         binding.viewPager.setCurrentItem(savedPosition.coerceIn(0, pages.size - 1), false)

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

@@ -25,7 +25,6 @@ import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
-import sh.sar.basedbank.util.CredentialStore
 import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
 import sh.sar.basedbank.databinding.ItemForeignLimitBinding
@@ -102,13 +101,8 @@ class DashboardFragment : Fragment() {
                 .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) }
                 .map { CardItem.Bml(it) }
             val all = mibItems + bmlItems
-            val defaultNum = CredentialStore(requireContext()).getDefaultCardAccountNumber()
-            val ordered = if (defaultNum != null) {
-                val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
-                if (def != null) listOf(def) + all.filter { it !== def } else all
-            } else all
-            cardAdapter.update(ordered)
-            binding.sectionCards.visibility = if (ordered.isNotEmpty()) View.VISIBLE else View.GONE
+            cardAdapter.update(all)
+            binding.sectionCards.visibility = if (all.isNotEmpty()) View.VISIBLE else View.GONE
         }
         viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
         viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
@@ -284,23 +278,26 @@ class DashboardFragment : Fragment() {
             .groupBy({ it.first }, { it.second })
             .mapValues { (_, vs) -> vs.sum() }
 
-        val blockedMvr = blockedByCurrency["MVR"] ?: 0.0
-        val blockedUsd = blockedByCurrency["USD"] ?: 0.0
         val blockedTotal = blockedByCurrency.values.sum()
+        if (blockedTotal > 0.0) {
+            // Primary line: prefer MVR if present, otherwise the first currency.
+            val primaryCcy = if ("MVR" in blockedByCurrency) "MVR" else blockedByCurrency.keys.first()
+            val primaryAmt = blockedByCurrency.getValue(primaryCcy)
+            binding.tvBlockedTotal.text = if (hide) "$primaryCcy ••••••" else "$primaryCcy %,.2f".format(primaryAmt)
 
-        if (blockedMvr > 0.0) {
-            binding.tvBlockedMvr.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(blockedMvr)
-            binding.cardBlockedMvr.visibility = View.VISIBLE
+            val secondary = blockedByCurrency.filterKeys { it != primaryCcy }
+            if (secondary.isNotEmpty()) {
+                binding.tvBlockedSecondary.text = secondary.entries.joinToString(" · ") { (ccy, amt) ->
+                    if (hide) "$ccy ••••••" else "$ccy %,.2f".format(amt)
+                }
+                binding.tvBlockedSecondary.visibility = View.VISIBLE
+            } else {
+                binding.tvBlockedSecondary.visibility = View.GONE
+            }
+            binding.cardBlocked.visibility = View.VISIBLE
         } else {
-            binding.cardBlockedMvr.visibility = View.GONE
+            binding.cardBlocked.visibility = View.GONE
         }
-        if (blockedUsd > 0.0) {
-            binding.tvBlockedUsd.text = if (hide) "USD ••••••" else "USD %,.2f".format(blockedUsd)
-            binding.cardBlockedUsd.visibility = View.VISIBLE
-        } else {
-            binding.cardBlockedUsd.visibility = View.GONE
-        }
-        binding.rowBlocked.visibility = if (blockedTotal > 0.0) View.VISIBLE else View.GONE
 
         // Overdue: MIB finance deals + BML loan details (assumed MVR — matches existing Pending Finances).
         val mibOverdue = (viewModel.financing.value ?: emptyList()).sumOf { it.overdueAmount }
@@ -313,7 +310,8 @@ class DashboardFragment : Fragment() {
             binding.cardOverdue.visibility = View.GONE
         }
 
-        binding.rowAttention.visibility = if (overdueTotal > 0.0) View.VISIBLE else View.GONE
+        binding.rowAttention.visibility =
+            if (blockedTotal > 0.0 || overdueTotal > 0.0) View.VISIBLE else View.GONE
     }
 
     private fun updatePendingFinances() {

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

@@ -57,6 +57,7 @@ import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibContactsPaginator
 import sh.sar.basedbank.api.mib.MibCardsClient
 import sh.sar.basedbank.api.mib.MibFinancingClient
 import sh.sar.basedbank.api.mib.MibProfile
@@ -68,12 +69,15 @@ import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.FinancingCache
 import sh.sar.basedbank.util.ForeignLimitsCache
-import sh.sar.basedbank.util.ThemeHelper
 
 class HomeActivity : AppCompatActivity() {
 
     private lateinit var binding: ActivityHomeBinding
     private val viewModel: HomeViewModel by viewModels()
+
+    /** One paginator per MIB login. Reset on every refresh. */
+    private var mibContactPaginators: List<MibContactsPaginator> = emptyList()
+    private var mibLoadMoreInFlight = false
     private lateinit var toggle: ActionBarDrawerToggle
     private var suppressBottomNavCallback = false
 
@@ -107,7 +111,6 @@ class HomeActivity : AppCompatActivity() {
     }
 
     override fun onCreate(savedInstanceState: Bundle?) {
-        ThemeHelper.applyAccent(this)
         super.onCreate(savedInstanceState)
         WindowCompat.setDecorFitsSystemWindows(window, false)
         binding = ActivityHomeBinding.inflate(layoutInflater)
@@ -120,9 +123,6 @@ class HomeActivity : AppCompatActivity() {
             isAppearanceLightStatusBars = isLight
             isAppearanceLightNavigationBars = isLight
         }
-        val ta = obtainStyledAttributes(intArrayOf(android.R.attr.colorBackground))
-        window.statusBarColor = ta.getColor(0, if (isLight) android.graphics.Color.WHITE else android.graphics.Color.BLACK)
-        ta.recycle()
         // Auth guard: HomeActivity must only be reachable after LockActivity or fresh login.
         // Using loadSecurityHash() (EncryptedSharedPreferences) instead of plain prefs so
         // a rooted device cannot bypass this by editing security_method in plain prefs.
@@ -255,9 +255,6 @@ class HomeActivity : AppCompatActivity() {
                     binding.drawerLayout.closeDrawers()
                     return
                 }
-                // Let CardsFragment handle back if in manage mode
-                val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
-                if (currentFrag is CardsFragment && currentFrag.onBackPressed()) return
                 // Pop fragment back stack if there's anything on it (e.g. showWithBackStack)
                 if (supportFragmentManager.backStackEntryCount > 0) {
                     supportFragmentManager.popBackStack()
@@ -266,6 +263,7 @@ class HomeActivity : AppCompatActivity() {
                 // 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())
@@ -519,8 +517,9 @@ fun applyNavLabelVisibility() {
 
     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 = true
+        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
@@ -929,44 +928,78 @@ fun applyNavLabelVisibility() {
         return result
     }
 
+    /** Spin up (or replace) the paginator for this MIB login and fetch the first page.
+     *  Subsequent pages arrive via [loadMoreMibContacts] in response to user scrolling. */
     private fun refreshContacts(loginId: String, session: MibSession, profiles: List<MibProfile>) {
         if (profiles.isEmpty()) return
-        val flow = (application as BasedBankApp).mibFlowFor(loginId)
-        val contactsClient = MibContactsClient()
+        val paginator = MibContactsPaginator(
+            app = application as BasedBankApp,
+            loginId = loginId,
+            session = session,
+            profiles = profiles
+        )
+        // Replace any existing paginator for this login.
+        mibContactPaginators = mibContactPaginators.filter { it.loginId != loginId } + paginator
+        viewModel.mibContactsHasMore.value = mibContactPaginators.any { it.hasMore() }
+
         lifecycleScope.launch {
-            try {
-                val (allContacts, allCategories) = withContext(Dispatchers.IO) {
-                    val seenContacts = mutableSetOf<String>()
-                    val seenCategories = mutableSetOf<String>()
-                    val contacts = mutableListOf<BankContact>()
-                    val categories = mutableListOf<BankContactCategory>()
-                    for (profile in profiles) {
-                        try {
-                            flow.switchProfile(session, profile)
-                            for (cat in contactsClient.fetchCategories(session)) {
-                                if (seenCategories.add(cat.id)) categories.add(cat)
-                            }
-                            for (contact in contactsClient.fetchContacts(session)) {
-                                if (seenContacts.add(contact.benefNo))
-                                    contacts.add(contact.copy(profileId = profile.profileId))
-                            }
-                        } catch (_: Exception) { /* profile has no contacts access */ }
-                    }
-                    Pair(contacts, categories)
-                }
-                if (allContacts.isNotEmpty()) {
-                    ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, store.getBmlLoginIds())
-                    val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
-                    val fahipayCategories = ContactsCache.loadFahipayCategories(this@HomeActivity)
-                    viewModel.contacts.postValue(mergeContacts(mergeContacts(allContacts, bmlContacts), fahipayContacts))
-                    viewModel.contactCategories.postValue(allCategories + fahipayCategories)
-                }
-            } catch (_: Exception) { /* keep cached data */ }
+            viewModel.mibContactsLoading.postValue(true)
+            val firstPage = try {
+                paginator.nextPage(MIB_FIRST_PAGE_SIZE)
+            } catch (_: Exception) {
+                null
+            }
+            // Treat a successful refresh as authoritative: replace the cached MIB list
+            // with the first page, even if it shrinks (so deletions take effect).
+            if (firstPage != null) {
+                ContactsCache.save(this@HomeActivity, firstPage, paginator.allCategories)
+                publishContacts(paginator.allCategories)
+            }
+            viewModel.mibContactsLoading.postValue(false)
+            viewModel.mibContactsHasMore.postValue(mibContactPaginators.any { it.hasMore() })
         }
     }
 
+    /** Called by ContactsFragment when the user scrolls near the end of the loaded list. */
+    fun loadMoreMibContacts() {
+        if (mibLoadMoreInFlight) return
+        val paginator = mibContactPaginators.firstOrNull { it.hasMore() } ?: return
+        mibLoadMoreInFlight = true
+        lifecycleScope.launch {
+            viewModel.mibContactsLoading.postValue(true)
+            val page = try {
+                paginator.nextPage(MIB_NEXT_PAGE_SIZE)
+            } catch (_: Exception) {
+                emptyList()
+            }
+            if (page.isNotEmpty()) {
+                ContactsCache.appendContacts(this@HomeActivity, page, paginator.allCategories)
+                publishContacts(paginator.allCategories)
+            }
+            mibLoadMoreInFlight = false
+            viewModel.mibContactsLoading.postValue(false)
+            viewModel.mibContactsHasMore.postValue(mibContactPaginators.any { it.hasMore() })
+        }
+    }
+
+    /** Merge the current MIB cache with BML and Fahipay caches and post to the view model. */
+    private fun publishContacts(mibCategories: List<BankContactCategory>) {
+        val store = sh.sar.basedbank.util.CredentialStore(this)
+        val mibContacts = ContactsCache.loadContacts(this)
+        val bmlContacts = ContactsCache.loadBml(this, store.getBmlLoginIds())
+        val fahipayContacts = ContactsCache.loadFahipay(this)
+        val fahipayCategories = ContactsCache.loadFahipayCategories(this)
+        viewModel.contacts.postValue(
+            mergeContacts(mergeContacts(mibContacts, bmlContacts), fahipayContacts)
+        )
+        viewModel.contactCategories.postValue(mibCategories + fahipayCategories)
+    }
+
+    companion object {
+        private const val MIB_FIRST_PAGE_SIZE = 30
+        private const val MIB_NEXT_PAGE_SIZE = 100
+    }
+
     fun refreshBalances(src: BankAccount) {
         val app = application as BasedBankApp
         lifecycleScope.launch {

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

@@ -23,6 +23,11 @@ class HomeViewModel : ViewModel() {
     val contacts = MutableLiveData<List<BankContact>>(emptyList())
     val contactCategories = MutableLiveData<List<BankContactCategory>>(emptyList())
 
+    /** True while MIB contacts are paging in (initial load or scroll-triggered next page). */
+    val mibContactsLoading = MutableLiveData<Boolean>(false)
+    /** True while any MIB paginator still has pages to deliver. */
+    val mibContactsHasMore = MutableLiveData<Boolean>(false)
+
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
 

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

@@ -1,14 +1,9 @@
 package sh.sar.basedbank.ui.home
 
-import android.content.ClipData
-import android.content.ClipboardManager
-import android.content.Context
-import android.os.Build
 import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
-import android.widget.Toast
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -47,16 +42,6 @@ class OtpFragment : Fragment() {
         override fun onBindViewHolder(holder: VH, position: Int) {
             holder.b.tvOtpLabel.text = entries[position].label
             update(holder.b, entries[position].seed)
-            holder.b.root.setOnClickListener {
-                val code = holder.b.tvOtpCode.text.toString().replace(" ", "")
-                if (code.isNotEmpty()) {
-                    val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
-                    clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
-                    if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
-                        Toast.makeText(it.context, "OTP copied", Toast.LENGTH_SHORT).show()
-                    }
-                }
-            }
         }
 
         fun tick() {

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

@@ -36,7 +36,6 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentPayMvQrBinding
-import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.PaymvQrParser
@@ -99,8 +98,6 @@ class PayMvQrFragment : Fragment() {
         }
         setupDropdown()
         binding.etAmount.addTextChangedListener { scheduleGenerate() }
-        binding.etReference.addTextChangedListener { scheduleGenerate() }
-        binding.switchIncludePhone.setOnCheckedChangeListener { _, _ -> scheduleGenerate() }
         binding.btnShare.isEnabled = false
         binding.btnSave.isEnabled = false
         binding.btnShare.setOnClickListener { shareQr() }
@@ -113,9 +110,7 @@ class PayMvQrFragment : Fragment() {
     private fun setupDropdown() {
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
             val eligible = accounts.filter {
-                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN" &&
-                it.bank != "MIB" && // TODO: MIB does not support PayMV QR
-                !(it.bank == "BML" && it.currencyName.contains("USD", ignoreCase = true)) // TODO: BML USD not supported by MMA
+                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN"
             }
             val adapter = QrAccountAdapter(requireContext(), eligible)
             binding.actvAccount.setAdapter(adapter)
@@ -150,28 +145,8 @@ class PayMvQrFragment : Fragment() {
             ?.let { "%.2f".format(it) }
 
         val ctx = requireContext()
-        val includePhone = binding.switchIncludePhone.isChecked
-        val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag)
-        val store = CredentialStore(ctx)
-        val mobile = if (includePhone) {
-            when (account.bank) {
-                "BML"     -> store.loadBmlUserProfile(loginId)?.mobile
-                "FAHIPAY" -> store.loadFahipayUserProfile(loginId)?.mobile
-                else      -> null
-            }?.let { m ->
-                when {
-                    m.startsWith("+") -> m
-                    m.length == 7     -> "+960$m"
-                    else              -> m
-                }
-            }
-        } else null
-
-        val purpose = binding.etReference.text?.toString()?.trim()
-            ?.takeIf { it.isNotBlank() } ?: getString(R.string.paymvqr_reference_default)
-
         val bmp = withContext(Dispatchers.Default) {
-            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted, mobile, purpose)
+            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted)
             renderQrCard(ctx, account, payload, amountFormatted)
         }
         if (_binding == null) return
@@ -189,9 +164,7 @@ class PayMvQrFragment : Fragment() {
         accountNumber: String,
         accountName: String,
         acquirer: String,
-        amountStr: String?,
-        mobile: String?,
-        purpose: String
+        amountStr: String?
     ): String {
         fun tlv(tag: String, value: String): String {
             val len = value.length
@@ -201,30 +174,17 @@ class PayMvQrFragment : Fragment() {
         val poi          = tlv("01", "11")
         val sub00        = tlv("00", "mv.favara.mpqr")
         val sub01        = tlv("01", acquirer)
-        val sub02        = tlv("02", acquirer) // repeated acquirer, as per official PayMV app
         val sub03        = tlv("03", accountNumber)
-        val sub05        = if (!mobile.isNullOrBlank()) tlv("05", mobile) else ""
         val sub10        = tlv("10", "IPAY")
-        val merchantAcct = tlv("26", sub00 + sub01 + sub02 + sub03 + sub05 + sub10)
-        val mcc          = tlv("52", "0000")
+        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 ref          = generateReference()
-        val addlData     = tlv("62", tlv("05", ref) + tlv("08", purpose))
-        val timestamp    = java.time.LocalDateTime.now()
-            .format(java.time.format.DateTimeFormatter.ofPattern("yyyy-MM-dd'T'HH:mm:ss.00000"))
-        val tag80        = tlv("80", tlv("00", "mv.favara.mpqr") + tlv("01", timestamp))
-        val prefix       = format + poi + merchantAcct + mcc + currency + amountTLV + country + name + addlData + tag80 + "6304"
+        val prefix       = format + poi + merchantAcct + currency + amountTLV + country + name + "6304"
         return prefix + crc16(prefix)
     }
 
-    private fun generateReference(): String {
-        val chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789"
-        return (1..9).map { chars.random() }.joinToString("")
-    }
-
     private fun crc16(data: String): String {
         var crc = 0xFFFF
         for (c in data) {
@@ -467,7 +427,7 @@ class PayMvQrFragment : Fragment() {
             } else {
                 b.tvDropdownAccountType.visibility = View.GONE
             }
-            b.tvDropdownBalance.visibility = View.GONE
+            b.tvDropdownBalance.text = displayData?.balance ?: ""
             b.root.alpha = 1f
 
             val networkIcon = BmlCardParser.cardNetworkIcon(acc)

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

@@ -14,11 +14,8 @@ import android.widget.LinearLayout
 import android.widget.TextView
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
-import android.view.animation.AccelerateInterpolator
-import android.view.animation.DecelerateInterpolator
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
-import androidx.core.view.doOnNextLayout
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -29,7 +26,6 @@ import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.databinding.FragmentCardsBinding
 import sh.sar.basedbank.util.CardsCache
-import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
 import kotlin.math.abs
 
@@ -43,19 +39,6 @@ class CardsFragment : Fragment() {
     private var currentCardPosition: Int = 0
     private var cardWidth: Int = 0
     private var pendingQrAccountNumber: String? = null
-    private var isManageMode: Boolean = false
-
-    // Carousel snapshot captured on enter, used to reverse the exit animation
-    private var carouselCardLayoutTop = 0f      // card layout top relative to contentLayout
-    private var carouselCardCenterX = 0f        // card center X relative to contentLayout
-    private var carouselTextLayoutTop = 0f      // tvSelectedCardType layout top relative to contentLayout
-
-    // Swipe-to-dismiss tracking
-    private var swipeDragStartRawY = 0f
-    private var swipeIsDragging = false
-
-    private lateinit var stackAdapter: CardStackAdapter
-    private val store by lazy { CredentialStore(requireContext()) }
 
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
@@ -81,7 +64,7 @@ class CardsFragment : Fragment() {
         val peekPx = screenW / 8
         cardWidth = screenW - 2 * peekPx
 
-        stackAdapter = CardStackAdapter(cardWidth)
+        val stackAdapter = CardStackAdapter(cardWidth)
         binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
         binding.rvCards.adapter = stackAdapter
         binding.rvCards.setPadding(peekPx, 0, peekPx, 0)
@@ -118,8 +101,24 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             insets
         }
 
-        viewModel.mibCards.observe(viewLifecycleOwner) { rebuildCards() }
-        viewModel.accounts.observe(viewLifecycleOwner) { rebuildCards() }
+        val updateCardList = {
+            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val bmlItems = (viewModel.accounts.value ?: emptyList())
+                .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
+                .map { CardItem.Bml(it) }
+            cards = mibItems + bmlItems
+            stackAdapter.update(cards)
+            binding.loadingView.visibility = View.GONE
+            val empty = cards.isEmpty()
+            binding.emptyView.visibility = if (empty) View.VISIBLE else View.GONE
+            binding.contentLayout.visibility = if (empty) View.GONE else View.VISIBLE
+            if (!empty) {
+                buildDots(cards.size, currentCardPosition)
+                updateCardInfo(currentCardPosition)
+            }
+        }
+        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
+        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
 
         val cached = CardsCache.load(requireContext())
         if (cached.isNotEmpty()) {
@@ -129,54 +128,6 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
         (activity as? HomeActivity)?.triggerRefreshCards()
 
-        binding.btnManageCard.setOnClickListener {
-            setManageMode(!isManageMode)
-        }
-
-        // Swipe-down on the manage card to dismiss manage mode
-        binding.manageCardView.root.setOnTouchListener { _, event ->
-            if (!isManageMode) return@setOnTouchListener false
-            val mgr = binding.manageCardView.root
-            when (event.action) {
-                android.view.MotionEvent.ACTION_DOWN -> {
-                    mgr.animate().cancel()
-                    binding.tvSelectedCardType.animate().cancel()
-                    swipeDragStartRawY = event.rawY
-                    swipeIsDragging = false
-                    true
-                }
-                android.view.MotionEvent.ACTION_MOVE -> {
-                    val dy = (event.rawY - swipeDragStartRawY).coerceAtLeast(0f)
-                    if (dy > 12f || swipeIsDragging) {
-                        swipeIsDragging = true
-                        mgr.translationY = dy
-                        binding.tvSelectedCardType.translationY = dy * 0.6f
-                        val scale = 1f - (dy / (binding.contentLayout.height * 2.5f)).coerceIn(0f, 0.12f)
-                        mgr.scaleX = scale
-                        mgr.scaleY = scale
-                        true
-                    } else false
-                }
-                android.view.MotionEvent.ACTION_UP, android.view.MotionEvent.ACTION_CANCEL -> {
-                    if (swipeIsDragging) {
-                        val dy = (event.rawY - swipeDragStartRawY).coerceAtLeast(0f)
-                        swipeIsDragging = false
-                        if (dy > 130f) {
-                            setManageMode(false)
-                        } else {
-                            // Snap back
-                            mgr.animate().translationY(0f).scaleX(1f).scaleY(1f)
-                                .setDuration(280).setInterpolator(DecelerateInterpolator()).start()
-                            binding.tvSelectedCardType.animate().translationY(0f)
-                                .setDuration(280).setInterpolator(DecelerateInterpolator()).start()
-                        }
-                        true
-                    } else false
-                }
-                else -> false
-            }
-        }
-
         binding.btnScanToPay.setOnClickListener {
             val item = cards.getOrNull(currentCardPosition) ?: return@setOnClickListener
             if (item is CardItem.Mib) {
@@ -203,216 +154,6 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         binding.btnBlock.setOnClickListener(wip)
     }
 
-    private fun setManageMode(enabled: Boolean) {
-        isManageMode = enabled
-        requireActivity().title = getString(if (enabled) R.string.card_manage else R.string.nav_pay_with_card)
-        if (enabled) enterManageMode() else exitManageMode()
-    }
-
-    private fun enterManageMode() {
-        val item = cards.getOrNull(currentCardPosition) ?: return
-
-        // Bind card data
-        val cv = binding.manageCardView
-        when (item) {
-            is CardItem.Mib -> {
-                cv.tvCardOwner.text = item.card.cardHolderName
-                cv.tvCardNumber.text = formatMasked(item.card.maskedCardNumber)
-                val assetPath = cardImageAsset(item.card)
-                if (assetPath != null) loadCardImage(cv.ivCardImage, assetPath)
-                else cv.ivCardImage.setImageDrawable(null)
-                bindCardStatus(cv.tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
-                cv.root.alpha = 1f
-            }
-            is CardItem.Bml -> {
-                cv.tvCardOwner.text = item.account.accountBriefName
-                cv.tvCardNumber.text = formatMasked(item.account.accountNumber)
-                loadCardImage(cv.ivCardImage, BmlCardParser.cardImageAsset(item.account))
-                val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
-                bindCardStatus(cv.tvCardStatus, item.account.statusDesc.takeUnless { isActive })
-                cv.root.alpha = if (isActive) 1f else 0.45f
-            }
-        }
-
-        // Capture positions BEFORE layout changes (for enter animation + exit animation later)
-        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
-        val lm = binding.rvCards.layoutManager as? LinearLayoutManager
-        val srcView = lm?.findViewByPosition(currentCardPosition)
-        val srcLoc = IntArray(2).also { srcView?.getLocationOnScreen(it) ?: run { it[0] = contentLoc[0]; it[1] = contentLoc[1] } }
-        val srcScreenTop = (srcLoc[1] - contentLoc[1]).toFloat()
-        val srcCenterX = (srcLoc[0] - contentLoc[0]).toFloat() + cardWidth / 2f
-
-        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
-        val textSrcScreenTop = (textLoc[1] - contentLoc[1]).toFloat()
-
-        // Apply layout changes
-        binding.btnManageCard.visibility = View.GONE
-        binding.topSpacer.visibility = View.GONE
-        binding.rvCards.visibility = View.GONE
-        binding.pageIndicator.visibility = View.GONE
-        binding.llPayButtons.visibility = View.GONE
-        binding.llManageButtons.visibility = View.VISIBLE
-        binding.llDefaultCardRow.visibility = View.VISIBLE
-        binding.manageCardView.root.visibility = View.VISIBLE
-
-        // Set switch state (clear listener first to avoid triggering on programmatic set)
-        val isBml = item is CardItem.Bml
-        binding.switchDefaultCard.setOnCheckedChangeListener(null)
-        binding.switchDefaultCard.isChecked = isBml && store.getDefaultCardAccountNumber() == (item as? CardItem.Bml)?.account?.accountNumber
-        binding.switchDefaultCard.setOnCheckedChangeListener { _, isChecked ->
-            if (item is CardItem.Mib) {
-                // MIB doesn't support NFC/QR pay — same toast as scan/tap to pay
-                binding.switchDefaultCard.setOnCheckedChangeListener(null)
-                binding.switchDefaultCard.isChecked = false
-                binding.switchDefaultCard.setOnCheckedChangeListener { _, c ->
-                    handleDefaultCardToggle(c)
-                }
-                Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
-            } else {
-                handleDefaultCardToggle(isChecked)
-            }
-        }
-
-        // After layout pass, compute offsets, save carousel snapshot, and animate
-        binding.contentLayout.doOnNextLayout {
-            val mgr = binding.manageCardView.root
-            val dstLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
-            val dstTop = (dstLoc[1] - contentLoc[1]).toFloat()
-            val dstCenterX = (dstLoc[0] - contentLoc[0]).toFloat() + mgr.width / 2f
-
-            val scaleStart = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
-            val transXStart = srcCenterX - dstCenterX
-            val transYStart = srcScreenTop - dstTop
-
-            // Save the carousel card's position (relative to contentLayout) for the exit animation
-            carouselCardLayoutTop = srcScreenTop
-            carouselCardCenterX = srcCenterX
-            carouselTextLayoutTop = textSrcScreenTop
-
-            val textDstLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
-            val textDstTop = (textDstLoc[1] - contentLoc[1]).toFloat()
-
-            mgr.pivotX = mgr.width / 2f
-            mgr.pivotY = 0f
-            mgr.scaleX = scaleStart
-            mgr.scaleY = scaleStart
-            mgr.translationX = transXStart
-            mgr.translationY = transYStart
-
-            mgr.animate()
-                .scaleX(1f).scaleY(1f)
-                .translationX(0f).translationY(0f)
-                .setDuration(380)
-                .setInterpolator(DecelerateInterpolator())
-                .start()
-
-            binding.tvSelectedCardType.translationY = textSrcScreenTop - textDstTop
-            binding.tvSelectedCardType.animate()
-                .translationY(0f)
-                .setDuration(380)
-                .setInterpolator(DecelerateInterpolator())
-                .start()
-        }
-    }
-
-    private fun handleDefaultCardToggle(isChecked: Boolean) {
-        val item = cards.getOrNull(currentCardPosition) as? CardItem.Bml ?: return
-        store.setDefaultCardAccountNumber(if (isChecked) item.account.accountNumber else null)
-        rebuildCards()
-    }
-
-    private fun exitManageMode() {
-        binding.manageCardView.root.animate().cancel()
-        binding.tvSelectedCardType.animate().cancel()
-
-        val mgr = binding.manageCardView.root
-        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
-
-        // Compute layout top of manage card (strip current translationY which may be from a swipe drag)
-        val mgrLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
-        val mgrLayoutTop = (mgrLoc[1] - contentLoc[1]).toFloat() - mgr.translationY
-
-        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
-        val textLayoutTop = (textLoc[1] - contentLoc[1]).toFloat() - binding.tvSelectedCardType.translationY
-
-        // Target: animate card back to carousel position
-        val scaleEnd = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
-        val mgrLayoutCenterX = (mgrLoc[0] - contentLoc[0]).toFloat() - mgr.translationX + mgr.width / 2f
-        val targetTransX = carouselCardCenterX - mgrLayoutCenterX
-        val targetTransY = carouselCardLayoutTop - mgrLayoutTop
-
-        val targetTextTransY = carouselTextLayoutTop - textLayoutTop
-
-        mgr.pivotX = mgr.width / 2f
-        mgr.pivotY = 0f
-
-        mgr.animate()
-            .scaleX(scaleEnd).scaleY(scaleEnd)
-            .translationX(targetTransX)
-            .translationY(targetTransY)
-            .setDuration(320)
-            .setInterpolator(AccelerateInterpolator())
-            .withEndAction {
-                mgr.scaleX = 1f; mgr.scaleY = 1f
-                mgr.translationX = 0f; mgr.translationY = 0f
-                mgr.visibility = View.GONE
-                binding.tvSelectedCardType.translationY = 0f
-
-                binding.btnManageCard.visibility = View.VISIBLE
-                binding.topSpacer.visibility = View.VISIBLE
-                binding.rvCards.visibility = View.VISIBLE
-                binding.llPayButtons.visibility = View.VISIBLE
-                binding.llManageButtons.visibility = View.GONE
-                binding.llDefaultCardRow.visibility = View.GONE
-                binding.switchDefaultCard.setOnCheckedChangeListener(null)
-                buildDots(cards.size, currentCardPosition)
-            }
-            .start()
-
-        binding.tvSelectedCardType.animate()
-            .translationY(targetTextTransY)
-            .setDuration(320)
-            .setInterpolator(AccelerateInterpolator())
-            .withEndAction { binding.tvSelectedCardType.translationY = 0f }
-            .start()
-    }
-
-    private fun rebuildCards() {
-        // Remember which card is currently selected by identity so we can restore position after reorder
-        val currentCard = cards.getOrNull(currentCardPosition)
-
-        val defaultNum = store.getDefaultCardAccountNumber()
-        val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
-        val bmlItems = (viewModel.accounts.value ?: emptyList())
-            .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
-            .map { CardItem.Bml(it) }
-        val all: List<CardItem> = mibItems + bmlItems
-        // Move default BML card to front
-        cards = if (defaultNum != null) {
-            val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
-            if (def != null) listOf(def) + all.filter { it !== def } else all
-        } else all
-
-        // Restore position to follow the same card after reorder
-        if (currentCard != null) {
-            val newPos = cards.indexOf(currentCard)
-            if (newPos >= 0 && newPos != currentCardPosition) {
-                currentCardPosition = newPos
-                binding.rvCards.scrollToPosition(newPos)
-            }
-        }
-
-        stackAdapter.update(cards)
-        binding.loadingView.visibility = View.GONE
-        val empty = cards.isEmpty()
-        binding.emptyView.visibility = if (empty) View.VISIBLE else View.GONE
-        binding.contentLayout.visibility = if (empty) View.GONE else View.VISIBLE
-        if (!empty) {
-            buildDots(cards.size, currentCardPosition)
-            updateCardInfo(currentCardPosition)
-        }
-    }
-
     private fun applyCardScales() {
         val rv = binding.rvCards
         val rvCenter = rv.paddingStart + (rv.width - rv.paddingStart - rv.paddingEnd) / 2f
@@ -432,7 +173,6 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
     }
 
     private fun buildDots(count: Int, selected: Int) {
-        if (isManageMode) return
         binding.pageIndicator.removeAllViews()
         if (count <= 1) {
             binding.pageIndicator.visibility = View.GONE
@@ -467,14 +207,6 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
     }
 
-    fun onBackPressed(): Boolean {
-        if (isManageMode) {
-            setManageMode(false)
-            return true
-        }
-        return false
-    }
-
     override fun onResume() {
         super.onResume()
         requireActivity().title = getString(R.string.nav_pay_with_card)

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

@@ -2,9 +2,7 @@ package sh.sar.basedbank.ui.home
 
 import android.content.Context
 import android.content.SharedPreferences
-import android.graphics.Color
 import android.os.Bundle
-import android.text.InputType
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
@@ -12,7 +10,6 @@ import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.ScrollView
 import android.widget.TextView
-import android.widget.Toast
 import androidx.appcompat.app.AppCompatDelegate
 import androidx.appcompat.app.AppCompatDelegate.setApplicationLocales
 import androidx.core.os.LocaleListCompat
@@ -21,11 +18,8 @@ import androidx.recyclerview.widget.ItemTouchHelper
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import com.google.android.material.textfield.TextInputEditText
-import com.google.android.material.textfield.TextInputLayout
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentSettingsAppearanceBinding
-import sh.sar.basedbank.util.ThemeHelper
 import java.util.Collections
 
 class SettingsAppearanceFragment : Fragment() {
@@ -109,45 +103,8 @@ class SettingsAppearanceFragment : Fragment() {
             }
             prefs.edit().putString("theme", key).apply()
             AppCompatDelegate.setDefaultNightMode(mode)
-            updateAccentState(key == "system")
-            updatePitchBlackState(key == "dark")
         }
 
-        // Pitch black
-        binding.switchPitchBlack.isChecked = prefs.getBoolean("pitch_black", false)
-        binding.switchPitchBlack.setOnCheckedChangeListener { _, checked ->
-            prefs.edit().putBoolean("pitch_black", checked).apply()
-            requireActivity().recreate()
-        }
-        val isDark = prefs.getString("theme", "system") == "dark"
-        updatePitchBlackState(isDark)
-
-        // Accent color
-        val savedPreset = prefs.getString("accent_preset", ThemeHelper.PRESET_BLUE)
-        binding.accentToggle.check(when (savedPreset) {
-            ThemeHelper.PRESET_RED -> R.id.btnAccentOrange
-            ThemeHelper.PRESET_GREEN  -> R.id.btnAccentGreen
-            ThemeHelper.PRESET_CUSTOM -> R.id.btnAccentCustom
-            else                      -> R.id.btnAccentBlue
-        })
-        binding.accentToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
-            if (!isChecked) return@addOnButtonCheckedListener
-            val preset = when (checkedId) {
-                R.id.btnAccentOrange -> ThemeHelper.PRESET_RED
-                R.id.btnAccentGreen  -> ThemeHelper.PRESET_GREEN
-                R.id.btnAccentCustom -> ThemeHelper.PRESET_CUSTOM
-                else                 -> ThemeHelper.PRESET_BLUE
-            }
-            if (preset == ThemeHelper.PRESET_CUSTOM) {
-                showCustomColorPicker()
-            } else {
-                prefs.edit().putString("accent_preset", preset).apply()
-                requireActivity().recreate()
-            }
-        }
-        val isSystem = prefs.getString("theme", "system") == "system"
-        updateAccentState(isSystem)
-
         // Language
         val currentLocales = AppCompatDelegate.getApplicationLocales()
         val currentLang = if (currentLocales.isEmpty) "en" else currentLocales[0]?.language ?: "en"
@@ -199,68 +156,6 @@ class SettingsAppearanceFragment : Fragment() {
         slotAdapter.notifyDataSetChanged()
     }
 
-    private fun updatePitchBlackState(isDark: Boolean) {
-        binding.rowPitchBlack.alpha = if (isDark) 1f else 0.38f
-        binding.switchPitchBlack.isEnabled = isDark
-    }
-
-    private fun updateAccentState(isSystem: Boolean) {
-        binding.sectionAccentColor.alpha = if (isSystem) 0.38f else 1f
-        for (i in 0 until binding.accentToggle.childCount) {
-            binding.accentToggle.getChildAt(i)?.isEnabled = !isSystem
-        }
-    }
-
-    private fun showCustomColorPicker() {
-        val ctx = requireContext()
-        val currentHex = prefs.getString("accent_custom_color", "") ?: ""
-        val inputLayout = TextInputLayout(ctx).apply {
-            hint = getString(R.string.accent_custom_hint)
-            val pad = (16 * resources.displayMetrics.density).toInt()
-            setPadding(pad, pad / 2, pad, 0)
-        }
-        val input = TextInputEditText(ctx).apply {
-            setText(currentHex)
-            inputType = InputType.TYPE_CLASS_TEXT or InputType.TYPE_TEXT_FLAG_NO_SUGGESTIONS
-            setSingleLine(true)
-        }
-        inputLayout.addView(input)
-
-        val dialog = MaterialAlertDialogBuilder(ctx)
-            .setTitle(R.string.accent_custom_pick)
-            .setView(inputLayout)
-            .setPositiveButton(android.R.string.ok, null)
-            .setNegativeButton(R.string.cancel) { _, _ -> revertAccentToggle() }
-            .setOnCancelListener { revertAccentToggle() }
-            .show()
-
-        dialog.getButton(androidx.appcompat.app.AlertDialog.BUTTON_POSITIVE).setOnClickListener {
-            val raw = input.text.toString().trim()
-            val hex = if (raw.startsWith("#")) raw else "#$raw"
-            try {
-                Color.parseColor(hex)
-                prefs.edit()
-                    .putString("accent_preset", ThemeHelper.PRESET_CUSTOM)
-                    .putString("accent_custom_color", hex)
-                    .apply()
-                dialog.dismiss()
-                requireActivity().recreate()
-            } catch (_: Exception) {
-                Toast.makeText(ctx, R.string.accent_invalid_color, Toast.LENGTH_SHORT).show()
-            }
-        }
-    }
-
-    private fun revertAccentToggle() {
-        val saved = prefs.getString("accent_preset", ThemeHelper.PRESET_BLUE)
-        binding.accentToggle.check(when (saved) {
-            ThemeHelper.PRESET_RED -> R.id.btnAccentOrange
-            ThemeHelper.PRESET_GREEN  -> R.id.btnAccentGreen
-            ThemeHelper.PRESET_CUSTOM -> R.id.btnAccentCustom
-            else                      -> R.id.btnAccentBlue
-        })
-    }
-
     private fun showItemPicker(items: MutableList<Int>, slotIndex: Int, adapter: NavItemAdapter) {
         val isBottom = prefs.getBoolean("bottom_nav", false)
         if (items === slots && !isBottom) return
@@ -273,7 +168,6 @@ class SettingsAppearanceFragment : Fragment() {
             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)
-                row.findViewById<TextView>(R.id.tvDescription).visibility = View.GONE
                 listLayout.addView(row)
             }
         }

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

@@ -1,10 +1,7 @@
 package sh.sar.basedbank.ui.home
 
-import android.Manifest
 import android.content.Context
 import android.content.Intent
-import android.content.pm.PackageManager
-import android.provider.Settings as AndroidSettings
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
 import android.net.Uri
@@ -18,7 +15,6 @@ import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.TextView
 import androidx.activity.result.contract.ActivityResultContracts
-import androidx.core.content.ContextCompat
 import androidx.core.content.FileProvider
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
@@ -81,29 +77,6 @@ class SettingsLoginsFragment : Fragment() {
         handlePickedImage(bitmap)
     }
 
-    private val cameraPermissionLauncher = registerForActivityResult(
-        ActivityResultContracts.RequestPermission()
-    ) { granted ->
-        if (granted) cameraLauncher.launch(cameraPhotoUri ?: return@registerForActivityResult)
-        else showCameraPermissionRationale()
-    }
-
-    private fun showCameraPermissionRationale() {
-        val ctx = requireContext()
-        MaterialAlertDialogBuilder(ctx)
-            .setTitle(R.string.qr_camera_permission_title)
-            .setMessage(R.string.camera_permission_profile_message)
-            .setNegativeButton(R.string.cancel) { dialog, _ -> dialog.dismiss() }
-            .setPositiveButton(R.string.go_to_settings) { _, _ ->
-                startActivity(
-                    Intent(AndroidSettings.ACTION_APPLICATION_DETAILS_SETTINGS).apply {
-                        data = Uri.fromParts("package", ctx.packageName, null)
-                    }
-                )
-            }
-            .show()
-    }
-
     private fun loadAndScaleBitmap(uri: Uri): Bitmap? {
         return try {
             val ctx = requireContext()
@@ -186,11 +159,7 @@ class SettingsLoginsFragment : Fragment() {
             val photoFile = File(ctx.cacheDir, "profile_photo_tmp.jpg")
             val uri = FileProvider.getUriForFile(ctx, "${ctx.packageName}.fileprovider", photoFile)
             cameraPhotoUri = uri
-            if (ContextCompat.checkSelfPermission(ctx, Manifest.permission.CAMERA) == PackageManager.PERMISSION_GRANTED) {
-                cameraLauncher.launch(uri)
-            } else {
-                cameraPermissionLauncher.launch(Manifest.permission.CAMERA)
-            }
+            cameraLauncher.launch(uri)
         }
         if (target is PendingImageTarget.Mib || currentBitmap != null || hasSavedImage(ctx, target)) {
             items += Triple(R.drawable.ic_delete, getString(R.string.profile_image_remove)) {

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

@@ -86,6 +86,17 @@ 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/TransferFragment.kt

@@ -127,10 +127,7 @@ class TransferFragment : Fragment() {
         // BML card/gateway QR — hand off to dedicated payment screen
         if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
             raw.startsWith("https://pay.bml.com.mv/app/")) {
-            val fromCard = selectedAccount?.takeIf {
-                it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
-            }
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, fromCard?.accountNumber))
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
             return@registerForActivityResult
         }
 
@@ -293,25 +290,6 @@ class TransferFragment : Fragment() {
             }
             bmlQrInfo = info
 
-            // Auto-select the user's default BML card if no card was pre-selected
-            if (selectedAccount == null) {
-                val defaultNum = CredentialStore(requireContext()).getDefaultCardAccountNumber()
-                if (defaultNum != null) {
-                    val allAccounts = viewModel.accounts.value ?: emptyList()
-                    val defaultCard = allAccounts.firstOrNull {
-                        it.accountNumber == defaultNum &&
-                        (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") &&
-                        it.statusDesc.equals("Active", ignoreCase = true)
-                    }
-                    if (defaultCard != null) {
-                        selectedAccount = defaultCard
-                        updateAmountPrefix(defaultCard)
-                        showFromCard(defaultCard)
-                        updateTransferButton()
-                    }
-                }
-            }
-
             // Show merchant in the "To" card — clear button hidden (can't change recipient for QR)
             binding.tvToAccountName.text = info.merchantName
             binding.tvToBankBic.text = info.merchantAddress.ifBlank { "BML Merchant" }
@@ -319,6 +297,7 @@ class TransferFragment : Fragment() {
             binding.tvToBalance.visibility = View.GONE
             binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
             binding.ivToPhoto.setImageBitmap(makeInitialsBitmap(info.merchantName, "#0066A1"))
+            binding.btnClearToInfo.visibility = View.GONE
             binding.cardToInfo.visibility = View.VISIBLE
 
             // Pre-fill amount if dynamic QR
@@ -374,14 +353,6 @@ class TransferFragment : Fragment() {
 
             binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
                 val picked = accountDropdownAdapter?.getAccount(position) ?: return@setOnItemClickListener
-                if (bmlQrInfo != null) {
-                    val isCard = picked.profileType == "BML_PREPAID" || picked.profileType == "BML_CREDIT" || picked.profileType == "BML_DEBIT"
-                    if (!isCard) {
-                        Toast.makeText(requireContext(), "Unsupported for BML QR — select a card", Toast.LENGTH_SHORT).show()
-                        binding.actvFrom.setText("", false)
-                        return@setOnItemClickListener
-                    }
-                }
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
@@ -535,14 +506,6 @@ class TransferFragment : Fragment() {
         binding.tilTo.setEndIconOnClickListener { lookupAccount() }
 
         binding.btnClearToInfo.setOnClickListener {
-            if (bmlQrInfo != null) {
-                bmlQrInfo = null
-                bmlGatewayQr = false
-                binding.tilAmount.isEnabled = true
-                binding.tilRemarks.isEnabled = true
-                binding.tilRemarks.alpha = 1f
-                binding.etAmount.setText("")
-            }
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
             resolvedToOwnAccount = null
@@ -1774,7 +1737,6 @@ class TransferFragment : Fragment() {
                         .also { it.root.tag = it }
                 }
                 val inactive = (acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT" || acc.profileType == "BML_DEBIT") && !acc.statusDesc.equals("Active", ignoreCase = true)
-                val isCard = acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT" || acc.profileType == "BML_DEBIT"
                 val isBmlAccount = acc.bank == "BML"
                 val ownerPrefix = if (isBmlAccount && acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
                 val hide = viewModel.hideAmounts.value ?: false
@@ -1792,11 +1754,7 @@ class TransferFragment : Fragment() {
                 }
                 val balance = displayData?.balance ?: ""
                 b.tvDropdownBalance.text = if (hide && balance.isNotBlank()) maskAmount(balance) else balance
-                b.root.alpha = when {
-                    inactive -> 0.4f
-                    bmlQrInfo != null && !isCard -> 0.35f
-                    else -> 1f
-                }
+                b.root.alpha = if (inactive) 0.4f else 1f
                 val networkIcon = BmlCardParser.cardNetworkIcon(acc)
                 when {
                     networkIcon != null -> {

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

@@ -1,8 +1,5 @@
 package sh.sar.basedbank.ui.login
 
-import android.content.ClipData
-import android.content.ClipboardManager
-import android.content.Context
 import android.content.Intent
 import android.os.Bundle
 import android.view.LayoutInflater
@@ -84,17 +81,6 @@ class CredentialsFragment : Fragment() {
         binding.btnLogin.isEnabled = false
         binding.btnLogin.setOnClickListener { attemptLogin() }
 
-        binding.cardOtp.setOnClickListener {
-            val code = binding.tvOtpCode.text.toString().replace(" ", "")
-            if (code.isNotEmpty()) {
-                val clipboard = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
-                clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
-                if (android.os.Build.VERSION.SDK_INT < android.os.Build.VERSION_CODES.TIRAMISU) {
-                    Toast.makeText(requireContext(), "OTP copied", Toast.LENGTH_SHORT).show()
-                }
-            }
-        }
-
         val loginFieldWatcher = object : TextWatcher {
             override fun afterTextChanged(s: Editable?) { updateLoginButtonState() }
             override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}

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

@@ -9,14 +9,12 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.LockActivity
 import sh.sar.basedbank.databinding.ActivityLoginBinding
 import sh.sar.basedbank.util.CredentialStore
-import sh.sar.basedbank.util.ThemeHelper
 
 class LoginActivity : AppCompatActivity() {
 
     private lateinit var binding: ActivityLoginBinding
 
     override fun onCreate(savedInstanceState: Bundle?) {
-        ThemeHelper.applyAccent(this)
         super.onCreate(savedInstanceState)
 
         // If security is configured and the user hasn't unlocked this session,
@@ -36,8 +34,5 @@ class LoginActivity : AppCompatActivity() {
             isAppearanceLightStatusBars = isLight
             isAppearanceLightNavigationBars = isLight
         }
-        val ta = obtainStyledAttributes(intArrayOf(android.R.attr.colorBackground))
-        window.statusBarColor = ta.getColor(0, if (isLight) android.graphics.Color.WHITE else android.graphics.Color.BLACK)
-        ta.recycle()
     }
 }

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

@@ -19,7 +19,6 @@ import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ActivityOnboardingBinding
 import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.util.CredentialStore
-import sh.sar.basedbank.util.ThemeHelper
 
 class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
 
@@ -28,7 +27,6 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
     private var countDownTimer: CountDownTimer? = null
 
     override fun onCreate(savedInstanceState: Bundle?) {
-        ThemeHelper.applyAccent(this)
         super.onCreate(savedInstanceState)
 
         // If security is already configured, onboarding is complete. Redirect to lock screen
@@ -47,9 +45,6 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
             isAppearanceLightStatusBars = isLight
             isAppearanceLightNavigationBars = isLight
         }
-        val ta = obtainStyledAttributes(intArrayOf(android.R.attr.colorBackground))
-        window.statusBarColor = ta.getColor(0, if (isLight) android.graphics.Color.WHITE else android.graphics.Color.BLACK)
-        ta.recycle()
         prefs = getSharedPreferences("prefs", MODE_PRIVATE)
         val originalBottomPadding = binding.bottomBar.paddingBottom
         ViewCompat.setOnApplyWindowInsetsListener(binding.bottomBar) { view, insets ->

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

@@ -51,6 +51,21 @@ object ContactsCache {
         prefs.apply()
     }
 
+    /** Merge new MIB contacts into the cached list, deduping by benefNo. Categories
+     *  are replaced wholesale (the latest snapshot is canonical). Safe to call
+     *  repeatedly as pages arrive. */
+    fun appendContacts(
+        context: Context,
+        newContacts: List<BankContact>,
+        categories: List<BankContactCategory>
+    ) {
+        if (newContacts.isEmpty() && categories.isEmpty()) return
+        val existing = loadContacts(context)
+        val seen = existing.map { it.benefNo }.toHashSet()
+        val merged = existing + newContacts.filter { seen.add(it.benefNo) }
+        save(context, merged, categories)
+    }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }

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

@@ -615,18 +615,6 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
-    // ── Default payment card ──────────────────────────────────────────────────
-
-    /** BML card account number the user has pinned as their default payment card, or null. */
-    fun getDefaultCardAccountNumber(): String? = prefs.getString("default_card_account_number", null)
-
-    fun setDefaultCardAccountNumber(accountNumber: String?) {
-        val editor = prefs.edit()
-        if (accountNumber == null) editor.remove("default_card_account_number")
-        else editor.putString("default_card_account_number", accountNumber)
-        editor.apply()
-    }
-
     // ── MIB profile visibility (per loginId) ─────────────────────────────────
 
     /** Returns the set of MIB profile IDs the user has chosen to hide (for a given loginId). */

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

@@ -1,78 +0,0 @@
-package sh.sar.basedbank.util
-
-import android.content.Context
-import android.graphics.Bitmap
-import android.graphics.Color
-import android.os.Build
-import androidx.appcompat.app.AppCompatActivity
-import com.google.android.material.color.DynamicColors
-import com.google.android.material.color.DynamicColorsOptions
-import sh.sar.basedbank.R
-
-object ThemeHelper {
-
-    const val PRESET_BLUE   = "blue"
-    const val PRESET_RED    = "red"
-    const val PRESET_GREEN  = "green"
-    const val PRESET_CUSTOM = "custom"
-
-    fun isSystemTheme(context: Context): Boolean =
-        context.getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            .getString("theme", "system") == "system"
-
-    fun getAccentPreset(context: Context): String =
-        context.getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            .getString("accent_preset", PRESET_BLUE) ?: PRESET_BLUE
-
-    fun getCustomColor(context: Context): Int? {
-        val hex = context.getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            .getString("accent_custom_color", null) ?: return null
-        return try { Color.parseColor(hex) } catch (_: Exception) { null }
-    }
-
-    fun presetSeedColor(context: Context, preset: String): Int = when (preset) {
-        PRESET_RED -> Color.parseColor("#D32F2F")
-        PRESET_GREEN  -> Color.parseColor("#4CAF50")
-        PRESET_CUSTOM -> getCustomColor(context) ?: Color.parseColor("#3F65AD")
-        else          -> Color.parseColor("#3F65AD")
-    }
-
-    fun isPitchBlackEnabled(context: Context): Boolean =
-        context.getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            .getBoolean("pitch_black", false)
-
-    /**
-     * Apply the user-chosen accent theme to the given activity.
-     * Must be called BEFORE super.onCreate() so window-level attributes
-     * (status bar color, etc.) are resolved from the correct overlay.
-     * Has no effect when the theme is set to "system" (dynamic colors are
-     * handled by BasedBankApp via DynamicColors.applyToActivitiesIfAvailable).
-     */
-    fun applyAccent(activity: AppCompatActivity) {
-        if (isSystemTheme(activity)) return
-        val preset = getAccentPreset(activity)
-        val seed = presetSeedColor(activity, preset)
-        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.S) {
-            val bitmap = Bitmap.createBitmap(1, 1, Bitmap.Config.ARGB_8888)
-            bitmap.setPixel(0, 0, seed)
-            DynamicColors.applyToActivityIfAvailable(
-                activity,
-                DynamicColorsOptions.Builder().setContentBasedSource(bitmap).build()
-            )
-        } else {
-            // API < 31: apply a simple style overlay (partial palette, but functional)
-            val styleRes = when (preset) {
-                PRESET_RED -> R.style.ThemeOverlay_Accent_Orange
-                PRESET_GREEN  -> R.style.ThemeOverlay_Accent_Green
-                else          -> R.style.ThemeOverlay_Accent_Blue
-            }
-            activity.theme.applyStyle(styleRes, true)
-        }
-
-        val prefs = activity.getSharedPreferences("prefs", Context.MODE_PRIVATE)
-        val isDark = prefs.getString("theme", "system") == "dark"
-        if (isDark && prefs.getBoolean("pitch_black", false)) {
-            activity.theme.applyStyle(R.style.ThemeOverlay_PitchBlack, true)
-        }
-    }
-}

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

@@ -5,20 +5,19 @@
     android:viewportWidth="60"
     android:viewportHeight="60">
 
+    <!-- White background -->
+    <path
+        android:fillColor="#FFFFFF"
+        android:pathData="M0 59.776h59.785V0H0z"/>
+
     <!-- Red background -->
     <path
         android:fillColor="#E21B23"
-        android:pathData="M0 60h60V0H0z"/>
+        android:pathData="M3.297 56.421h53.191V3.356H3.298z"/>
 
     <!-- White logo mark -->
-    <group
-        android:scaleX="0.85"
-        android:scaleY="0.85"
-        android:pivotX="30"
-        android:pivotY="30">
-        <path
-            android:fillColor="#FFFFFF"
-            android:fillType="evenOdd"
-            android:pathData="M37.421 6.708v34.059h-3.7V20.853L22.763 40.767H18.65l18.77-34.06zM18.517 51.073l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.03c-.613.313-1.228.626-1.88.626-.65 0-1.265-.313-1.879-.626-.553-.283-1.108-.564-1.624-.564-.514 0-1.069.28-1.62.564-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.068.28-1.62.564c-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.069.28-1.622.564c-.614.313-1.228.626-1.879.626-.6 0-1.167-.265-1.73-.55v-1.446zm0-2.816l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.028c-.613.315-1.228.627-1.88.627-.65 0-1.265-.312-1.879-.627-.553-.281-1.108-.562-1.624-.562-.514 0-1.069.28-1.62.562-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.068.28-1.62.562c-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.069.28-1.622.562c-.614.315-1.228.627-1.879.627-.6 0-1.167-.264-1.73-.55v-1.445zm12.428-6.042h12.41v3.969h-12.41v-.001H18.531l-2.1-3.968h14.514z"/>
-    </group>
+    <path
+        android:fillColor="#FFFFFF"
+        android:fillType="evenOdd"
+        android:pathData="M37.421 6.708v34.059h-3.7V20.853L22.763 40.767H18.65l18.77-34.06zM18.517 51.073l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.03c-.613.313-1.228.626-1.88.626-.65 0-1.265-.313-1.879-.626-.553-.283-1.108-.564-1.624-.564-.514 0-1.069.28-1.62.564-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.068.28-1.62.564c-.616.313-1.23.626-1.88.626-.653 0-1.268-.313-1.88-.626-.554-.283-1.108-.564-1.624-.564s-1.069.28-1.622.564c-.614.313-1.228.626-1.879.626-.6 0-1.167-.265-1.73-.55v-1.446zm0-2.816l.108.055c.552.283 1.106.564 1.623.564.515 0 1.068-.281 1.621-.564.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.068-.281 1.621-.564c.615-.313 1.23-.627 1.88-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564c.613-.313 1.228-.627 1.878-.627.652 0 1.267.314 1.88.627.554.283 1.107.564 1.623.564s1.07-.281 1.623-.564l.314-.159v1.444l-.057.028c-.613.315-1.228.627-1.88.627-.65 0-1.265-.312-1.879-.627-.553-.281-1.108-.562-1.624-.562-.514 0-1.069.28-1.62.562-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.068.28-1.62.562c-.616.315-1.23.627-1.88.627-.653 0-1.268-.312-1.88-.627-.554-.281-1.108-.562-1.624-.562s-1.069.28-1.622.562c-.614.315-1.228.627-1.879.627-.6 0-1.167-.264-1.73-.55v-1.445zm12.428-6.042h12.41v3.969h-12.41v-.001H18.531l-2.1-3.968h14.514z"/>
 </vector>

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

@@ -1,39 +0,0 @@
-<?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">
-    <!-- Card icon -->
-    <path
-        android:fillColor="?attr/colorOnSurfaceVariant"
-        android:pathData="M20,4H4C2.89,4 2.01,4.89 2.01,6L2,18c0,1.11 0.89,2 2,2h16c1.11,0 2,-0.89 2,-2V6C22,4.89 21.11,4 20,4zM20,18H4v-6h16V18zM20,8H4V6h16V8z" />
-    <!-- Background circle separating gear from card -->
-    <path
-        android:fillColor="?attr/colorSurface"
-        android:pathData="M12.5,18 A5.5,5.5 0 1 0 23.5,18 A5.5,5.5 0 1 0 12.5,18 Z" />
-    <!--
-        Simple 6-tooth gear, scaled 0.5x and placed at (18,18) in the icon.
-        The gear path is drawn in a 24×24 space (center 12,12); the group
-        transform maps it: point(x,y) → (x·0.5+12, y·0.5+12).
-        Outer radius=10, root radius=7, hub radius=4.
-        Teeth are rectangular (straight-line) so they stay crisp at small scale.
-        Outer ring is clockwise; hub hole is counterclockwise (nonZero cutout).
-    -->
-    <group
-        android:scaleX="0.5"
-        android:scaleY="0.5"
-        android:translateX="12"
-        android:translateY="12">
-        <path
-            android:fillColor="?attr/colorOnSurfaceVariant"
-            android:pathData="
-                M18.58,9.61 L21.85,10.26 L21.85,13.74 L18.58,14.39
-                L17.36,16.50 L18.43,19.66 L15.42,21.40 L13.22,18.89
-                L10.78,18.89 L8.58,21.40 L5.57,19.66 L6.64,16.50
-                L5.42,14.39 L2.15,13.74 L2.15,10.26 L5.42,9.61
-                L6.64,7.50 L5.57,4.34 L8.58,2.60 L10.78,5.11
-                L13.22,5.11 L15.42,2.60 L18.43,4.34 L17.36,7.50 Z
-                M12,8 A4,4 0 1 0 12,16 A4,4 0 1 0 12,8 Z" />
-    </group>
-</vector>

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

@@ -4,6 +4,6 @@
     android:viewportWidth="24"
     android:viewportHeight="24">
     <path
-        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:fillColor="?attr/colorOnSurface"
         android:pathData="M9.5,6.5v3h-3v-3H9.5zM11,5L5,5v5.5h6L11,5zM9.5,14.5v3h-3v-3H9.5zM11,13L5,13v5.5h6L11,13zM17.5,6.5v3h-3v-3H17.5zM19,5h-6v5.5h6L19,5zM13,13h1.5v1.5L13,14.5zM14.5,14.5L16,14.5L16,16h-1.5zM16,13h1.5v1.5L16,14.5zM13,16h1.5v1.5L13,17.5zM14.5,17.5L16,17.5L16,19h-1.5zM16,16h1.5v1.5L16,17.5zM17.5,14.5L19,14.5L19,16h-1.5zM17.5,17.5L19,17.5L19,19h-1.5z"/>
 </vector>

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

@@ -14,47 +14,12 @@
             android:orientation="vertical"
             android:visibility="gone">
 
-            <!-- Manage Card button row -->
-            <LinearLayout
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:orientation="horizontal"
-                android:gravity="end"
-                android:paddingHorizontal="12dp"
-                android:paddingTop="4dp">
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnManageCard"
-                    style="@style/Widget.Material3.Button.OutlinedButton"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content"
-                    android:minWidth="0dp"
-                    android:minHeight="0dp"
-                    android:text="@string/card_manage"
-                    android:textSize="12sp"
-                    app:icon="@drawable/ic_manage_card"
-                    app:iconSize="20dp"
-                    app:iconPadding="4dp" />
-
-            </LinearLayout>
-
-            <!-- Top spacer: pushes card to vertical center (hidden in manage mode) -->
+            <!-- Top spacer: pushes card to vertical center -->
             <View
-                android:id="@+id/topSpacer"
                 android:layout_width="match_parent"
                 android:layout_height="0dp"
                 android:layout_weight="1" />
 
-            <!-- Manage mode: selected card with overlays -->
-            <include
-                android:id="@+id/manageCardView"
-                layout="@layout/item_card_stack"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:layout_marginHorizontal="16dp"
-                android:layout_marginTop="8dp"
-                android:visibility="gone" />
-
             <!-- Horizontal card stack. Width/padding set programmatically for centering + peek. -->
             <androidx.recyclerview.widget.RecyclerView
                 android:id="@+id/rvCards"
@@ -99,15 +64,14 @@
                 android:layout_marginBottom="4dp"
                 android:background="?attr/colorOutlineVariant" />
 
-            <!-- Primary pay actions (normal mode) -->
+            <!-- Primary pay actions -->
             <LinearLayout
-                android:id="@+id/llPayButtons"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
                 android:orientation="horizontal"
                 android:paddingHorizontal="16dp"
                 android:paddingTop="8dp"
-                android:paddingBottom="12dp">
+                android:paddingBottom="4dp">
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnScanToPay"
@@ -147,96 +111,56 @@
 
             </LinearLayout>
 
-            <!-- Default card toggle (manage mode only) -->
+            <!-- Secondary card management actions -->
             <LinearLayout
-                android:id="@+id/llDefaultCardRow"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:orientation="horizontal"
-                android:gravity="center_vertical"
-                android:paddingHorizontal="20dp"
-                android:paddingTop="4dp"
-                android:paddingBottom="4dp"
-                android:visibility="gone">
-
-                <TextView
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:text="@string/card_set_as_default"
-                    android:textAppearance="?attr/textAppearanceBodyMedium" />
-
-                <com.google.android.material.materialswitch.MaterialSwitch
-                    android:id="@+id/switchDefaultCard"
-                    android:layout_width="wrap_content"
-                    android:layout_height="wrap_content" />
-
-            </LinearLayout>
-
-            <!-- Card management actions (manage mode only) -->
-            <LinearLayout
-                android:id="@+id/llManageButtons"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
                 android:orientation="horizontal"
                 android:paddingHorizontal="8dp"
-                android:paddingTop="8dp"
-                android:paddingBottom="12dp"
-                android:visibility="gone">
+                android:paddingTop="4dp"
+                android:paddingBottom="8dp">
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnChangePin"
-                    style="@style/Widget.Material3.Button.TonalButton"
+                    style="@style/Widget.Material3.Button.TextButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
-                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
-                    android:paddingTop="14dp"
-                    android:paddingBottom="14dp"
                     android:text="@string/card_action_change_pin"
-                    android:textSize="12sp"
+                    android:textSize="11sp"
                     app:icon="@drawable/ic_edit"
-                    app:iconSize="22dp"
-                    app:iconGravity="top"
-                    app:iconPadding="6dp" />
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnFreeze"
-                    style="@style/Widget.Material3.Button.TonalButton"
+                    style="@style/Widget.Material3.Button.TextButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
-                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
-                    android:paddingTop="14dp"
-                    android:paddingBottom="14dp"
                     android:text="@string/card_action_freeze"
-                    android:textSize="12sp"
+                    android:textSize="11sp"
                     app:icon="@drawable/ic_freeze"
-                    app:iconSize="22dp"
-                    app:iconGravity="top"
-                    app:iconPadding="6dp" />
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
 
                 <com.google.android.material.button.MaterialButton
                     android:id="@+id/btnBlock"
-                    style="@style/Widget.Material3.Button.TonalButton"
+                    style="@style/Widget.Material3.Button.TextButton"
                     android:layout_width="0dp"
                     android:layout_weight="1"
                     android:layout_height="wrap_content"
-                    android:layout_marginHorizontal="4dp"
                     android:minWidth="0dp"
                     android:minHeight="0dp"
-                    android:paddingTop="14dp"
-                    android:paddingBottom="14dp"
                     android:text="@string/card_action_block"
-                    android:textSize="12sp"
+                    android:textSize="11sp"
                     app:icon="@drawable/ic_block"
-                    app:iconSize="22dp"
-                    app:iconGravity="top"
-                    app:iconPadding="6dp" />
+                    app:iconSize="16dp"
+                    app:iconPadding="3dp" />
 
             </LinearLayout>
 

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

@@ -116,8 +116,6 @@
             android:layout_marginTop="8dp"
             android:layout_marginBottom="8dp"
             android:visibility="invisible"
-            android:clickable="true"
-            android:focusable="true"
             app:cardBackgroundColor="?attr/colorSecondaryContainer"
             app:cardCornerRadius="12dp"
             app:cardElevation="0dp">

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

@@ -176,9 +176,9 @@
 
         </LinearLayout>
 
-        <!-- Blocked funds row: MVR + USD separate cards (hidden when no blocked amounts) -->
+        <!-- Attention row: Blocked + Overdue (hidden when nothing applies) -->
         <LinearLayout
-            android:id="@+id/rowBlocked"
+            android:id="@+id/rowAttention"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:orientation="horizontal"
@@ -186,7 +186,7 @@
             android:visibility="gone">
 
             <com.google.android.material.card.MaterialCardView
-                android:id="@+id/cardBlockedMvr"
+                android:id="@+id/cardBlocked"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
@@ -205,12 +205,12 @@
                     <TextView
                         android:layout_width="wrap_content"
                         android:layout_height="wrap_content"
-                        android:text="@string/dashboard_blocked_mvr"
+                        android:text="@string/dashboard_blocked"
                         android:textAppearance="?attr/textAppearanceLabelSmall"
                         android:textColor="?attr/colorOnErrorContainer" />
 
                     <TextView
-                        android:id="@+id/tvBlockedMvr"
+                        android:id="@+id/tvBlockedTotal"
                         android:layout_width="wrap_content"
                         android:layout_height="wrap_content"
                         android:layout_marginTop="4dp"
@@ -218,12 +218,22 @@
                         android:textAppearance="?attr/textAppearanceTitleMedium"
                         android:textColor="?attr/colorOnErrorContainer" />
 
+                    <TextView
+                        android:id="@+id/tvBlockedSecondary"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnErrorContainer"
+                        android:alpha="0.75"
+                        android:visibility="gone" />
+
                 </LinearLayout>
 
             </com.google.android.material.card.MaterialCardView>
 
             <com.google.android.material.card.MaterialCardView
-                android:id="@+id/cardBlockedUsd"
+                android:id="@+id/cardOverdue"
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
@@ -231,52 +241,6 @@
                 app:cardElevation="1dp"
                 app:cardCornerRadius="12dp"
                 app:cardBackgroundColor="?attr/colorErrorContainer"
-                android:visibility="gone">
-
-                <LinearLayout
-                    android:layout_width="match_parent"
-                    android:layout_height="wrap_content"
-                    android:orientation="vertical"
-                    android:padding="16dp">
-
-                    <TextView
-                        android:layout_width="wrap_content"
-                        android:layout_height="wrap_content"
-                        android:text="@string/dashboard_blocked_usd"
-                        android:textAppearance="?attr/textAppearanceLabelSmall"
-                        android:textColor="?attr/colorOnErrorContainer" />
-
-                    <TextView
-                        android:id="@+id/tvBlockedUsd"
-                        android:layout_width="wrap_content"
-                        android:layout_height="wrap_content"
-                        android:layout_marginTop="4dp"
-                        android:text="USD —"
-                        android:textAppearance="?attr/textAppearanceTitleMedium"
-                        android:textColor="?attr/colorOnErrorContainer" />
-
-                </LinearLayout>
-
-            </com.google.android.material.card.MaterialCardView>
-
-        </LinearLayout>
-
-        <!-- Overdue row (hidden when no overdue financing) -->
-        <LinearLayout
-            android:id="@+id/rowAttention"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:layout_marginTop="16dp"
-            android:visibility="gone">
-
-            <com.google.android.material.card.MaterialCardView
-                android:id="@+id/cardOverdue"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                app:cardElevation="1dp"
-                app:cardCornerRadius="12dp"
-                app:cardBackgroundColor="?attr/colorErrorContainer"
                 android:clickable="true"
                 android:focusable="true"
                 android:visibility="gone">
@@ -361,6 +325,14 @@
             android:layout_marginTop="16dp"
             android:visibility="gone">
 
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/nav_pay_with_card"
+                android:textAppearance="?attr/textAppearanceLabelMedium"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:layout_marginBottom="8dp"/>
+
             <androidx.recyclerview.widget.RecyclerView
                 android:id="@+id/rvCards"
                 android:layout_width="match_parent"
@@ -386,6 +358,14 @@
         android:paddingTop="8dp"
         android:paddingBottom="16dp">
 
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/dashboard_quick_actions"
+            android:textAppearance="?attr/textAppearanceLabelMedium"
+            android:textColor="?attr/colorOnSurfaceVariant"
+            android:layout_marginBottom="8dp" />
+
         <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"

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

@@ -64,6 +64,7 @@
         android:layout_height="wrap_content"
         android:layout_marginBottom="12dp"
         android:hint="@string/paymvqr_amount_hint"
+        app:helperText="@string/paymvqr_amount_helper"
         app:prefixText="MVR ">
 
         <com.google.android.material.textfield.TextInputEditText
@@ -75,47 +76,6 @@
 
     </com.google.android.material.textfield.TextInputLayout>
 
-    <!-- Reference / purpose (optional) -->
-    <com.google.android.material.textfield.TextInputLayout
-        android:id="@+id/tilReference"
-        style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
-        android:layout_width="match_parent"
-        android:layout_height="wrap_content"
-        android:layout_marginBottom="10dp"
-        android:hint="@string/paymvqr_reference_hint">
-
-        <com.google.android.material.textfield.TextInputEditText
-            android:id="@+id/etReference"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:inputType="text"
-            android:maxLines="1" />
-
-    </com.google.android.material.textfield.TextInputLayout>
-
-    <!-- Include phone number toggle -->
-    <LinearLayout
-        android:layout_width="match_parent"
-        android:layout_height="wrap_content"
-        android:orientation="horizontal"
-        android:gravity="center_vertical"
-        android:layout_marginBottom="12dp">
-
-        <TextView
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:text="@string/paymvqr_include_phone"
-            android:textAppearance="?attr/textAppearanceBodyMedium" />
-
-        <com.google.android.material.materialswitch.MaterialSwitch
-            android:id="@+id/switchIncludePhone"
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:checked="true" />
-
-    </LinearLayout>
-
     <!-- Action buttons — always visible; share/save disabled until QR is rendered -->
     <LinearLayout
         android:id="@+id/layoutActions"

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

@@ -156,87 +156,6 @@
 
         </com.google.android.material.button.MaterialButtonToggleGroup>
 
-        <!-- Pitch black — enabled only in explicit dark mode -->
-        <LinearLayout
-            android:id="@+id/rowPitchBlack"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginTop="16dp"
-            android:gravity="center_vertical"
-            android:orientation="horizontal">
-
-            <TextView
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="@string/settings_pitch_black"
-                android:textAppearance="?attr/textAppearanceBodyLarge" />
-
-            <com.google.android.material.materialswitch.MaterialSwitch
-                android:id="@+id/switchPitchBlack"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content" />
-
-        </LinearLayout>
-
-        <!-- Accent color — always shown, disabled/grayed in system theme mode -->
-        <LinearLayout
-            android:id="@+id/sectionAccentColor"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="vertical"
-            android:layout_marginTop="24dp">
-
-            <TextView
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:text="@string/settings_accent_color"
-                android:textAppearance="?attr/textAppearanceTitleMedium"
-                android:layout_marginBottom="12dp" />
-
-            <com.google.android.material.button.MaterialButtonToggleGroup
-                android:id="@+id/accentToggle"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                app:singleSelection="true"
-                app:selectionRequired="true">
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnAccentBlue"
-                    style="@style/Widget.Material3.Button.OutlinedButton"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:text="@string/accent_blue" />
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnAccentOrange"
-                    style="@style/Widget.Material3.Button.OutlinedButton"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:text="@string/accent_orange" />
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnAccentGreen"
-                    style="@style/Widget.Material3.Button.OutlinedButton"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:text="@string/accent_green" />
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnAccentCustom"
-                    style="@style/Widget.Material3.Button.OutlinedButton"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:text="@string/accent_custom" />
-
-            </com.google.android.material.button.MaterialButtonToggleGroup>
-
-        </LinearLayout>
-
         <TextView
             android:layout_width="wrap_content"
             android:layout_height="wrap_content"

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

@@ -194,6 +194,44 @@
             android:layout_marginTop="24dp"
             android:layout_marginBottom="8dp" />
 
+        <LinearLayout
+            android:id="@+id/rowHideAmounts"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:layout_marginBottom="4dp">
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_hide_amounts"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="@string/settings_hide_amounts_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <com.google.android.material.materialswitch.MaterialSwitch
+                android:id="@+id/switchHideAmounts"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp" />
+
+        </LinearLayout>
+
         <LinearLayout
             android:id="@+id/rowBlockScreenshots"
             android:layout_width="match_parent"

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

@@ -2,7 +2,7 @@
 <com.google.android.material.card.MaterialCardView
     xmlns:android="http://schemas.android.com/apk/res/android"
     xmlns:app="http://schemas.android.com/apk/res-auto"
-    android:layout_width="320dp"
+    android:layout_width="280dp"
     android:layout_height="wrap_content"
     android:layout_marginEnd="12dp"
     app:cardCornerRadius="16dp"

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

@@ -6,8 +6,6 @@
     android:layout_height="wrap_content"
     android:layout_marginHorizontal="16dp"
     android:layout_marginBottom="12dp"
-    android:clickable="true"
-    android:focusable="true"
     app:cardCornerRadius="16dp"
     app:cardElevation="2dp">
 

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

@@ -115,13 +115,11 @@
     <!-- PayMV QR Generator -->
     <string name="paymvqr_select_account">Select account</string>
     <string name="paymvqr_amount_hint">Amount (optional)</string>
+    <string name="paymvqr_amount_helper">Leave empty to allow payer to enter any amount</string>
     <string name="paymvqr_share">Share</string>
     <string name="paymvqr_save_image">Save Image</string>
     <string name="paymvqr_saved">QR saved to gallery</string>
     <string name="paymvqr_save_failed">Failed to save image</string>
-    <string name="paymvqr_include_phone">Include phone number</string>
-    <string name="paymvqr_reference_hint">Reference (optional)</string>
-    <string name="paymvqr_reference_default">PayMV QR Transfer</string>
 
     <!-- Toolbar -->
     <string name="action_lock">Lock app</string>
@@ -150,15 +148,6 @@
     <string name="theme_system">System</string>
     <string name="theme_light">Light</string>
     <string name="theme_dark">Dark</string>
-    <string name="settings_pitch_black">Pitch Black</string>
-    <string name="settings_accent_color">Accent Color</string>
-    <string name="accent_blue">Blue</string>
-    <string name="accent_orange">Red</string>
-    <string name="accent_green">Green</string>
-    <string name="accent_custom">Custom</string>
-    <string name="accent_custom_pick">Custom Accent Color</string>
-    <string name="accent_custom_hint">#RRGGBB hex color</string>
-    <string name="accent_invalid_color">Invalid color — enter a valid hex code</string>
     <string name="language">Language</string>
     <string name="lang_english">English</string>
     <string name="lang_dhivehi">ދިވެހި</string>
@@ -220,8 +209,7 @@
     <string name="cards">Cards</string>
     <string name="available_balance">Available Balance</string>
     <string name="account_blocked_label">%1$s blocked</string>
-    <string name="dashboard_blocked_mvr">Blocked MVR</string>
-    <string name="dashboard_blocked_usd">Blocked USD</string>
+    <string name="dashboard_blocked">Blocked Funds</string>
     <string name="dashboard_overdue">Overdue Financing</string>
 
     <!-- Transfer -->
@@ -243,7 +231,6 @@
     <string name="transfer_qr_invalid">Invalid or unsupported QR code</string>
     <string name="qr_camera_permission_title">Camera permission required</string>
     <string name="qr_camera_permission_message">Camera access is needed to scan QR codes. Please grant the permission in Settings.</string>
-    <string name="camera_permission_profile_message">Camera access is needed to take a photo. Please grant the permission in Settings.</string>
     <string name="go_to_settings">Go to Settings</string>
     <string name="transfer_select_source_first">Select a source account first</string>
     <string name="transfer_enter_account_first">Enter an account number first</string>
@@ -330,8 +317,6 @@
     <string name="card_pay_qr">Scan to Pay</string>
     <string name="card_pay_nfc">Tap to Pay</string>
     <string name="mib_qr_nfc_not_supported">Skill issue on MIB side, Not supported</string>
-    <string name="card_manage">Manage Card</string>
-    <string name="card_set_as_default">Set as Default Card</string>
     <string name="card_action_change_pin">Change PIN</string>
     <string name="card_action_freeze">Freeze</string>
     <string name="card_action_block">Block</string>

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

@@ -6,32 +6,4 @@
         <item name="colorSecondary">@color/seed_secondary</item>
         <item name="android:windowSoftInputMode">adjustResize</item>
     </style>
-
-    <!-- Accent overlays — applied on API < 31 as fallback when content-based dynamic colors unavailable -->
-    <style name="ThemeOverlay_Accent_Blue" parent="">
-        <item name="colorPrimary">#3F65AD</item>
-        <item name="colorSecondary">#9AD141</item>
-    </style>
-
-    <style name="ThemeOverlay_Accent_Orange" parent="">
-        <item name="colorPrimary">#D32F2F</item>
-        <item name="colorSecondary">#EF9A9A</item>
-    </style>
-
-    <style name="ThemeOverlay_Accent_Green" parent="">
-        <item name="colorPrimary">#4CAF50</item>
-        <item name="colorSecondary">#80CBC4</item>
-    </style>
-
-    <!-- Pitch black overlay — forces pure black surfaces for OLED displays -->
-    <style name="ThemeOverlay_PitchBlack" parent="">
-        <item name="android:colorBackground">#000000</item>
-        <item name="colorSurface">#000000</item>
-        <item name="colorSurfaceVariant">#0d0d0d</item>
-        <item name="colorSurfaceContainer">#0d0d0d</item>
-        <item name="colorSurfaceContainerLow">#000000</item>
-        <item name="colorSurfaceContainerLowest">#000000</item>
-        <item name="colorSurfaceContainerHigh">#1a1a1a</item>
-        <item name="colorSurfaceContainerHighest">#1a1a1a</item>
-    </style>
 </resources>