release v1.0.20

.gitea/workflows/build-apk.yml

@@ -17,6 +17,8 @@ jobs:
         run: |
           echo "${{ secrets.KEYSTORE_BASE64 }}" | tr -d '\n' | base64 -d > app/key.jks
           echo "${{ secrets.DOTENV_BASE64 }}" | tr -d '\n' | base64 -d > .build/release/.env
+          echo "ACCOUNT_MVR=${{ vars.ACCOUNT_MVR }}" >> .build/release/.env
+          echo "ACCOUNT_USD=${{ vars.ACCOUNT_USD }}" >> .build/release/.env
 
       - name: Build APK
         working-directory: .build/release

.gitignore

@@ -18,3 +18,4 @@ docs/bmlapi/tmp
 docs/fahipayapi/tmp
 tmp
 app/key.jks
+.kotlin/*

.idea/deploymentTargetSelector.xml

@@ -4,10 +4,10 @@
     <selectionStates>
       <SelectionState runConfigName="app">
         <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-05-22T00:11:32.873305232Z">
+        <DropdownSelection timestamp="2026-06-13T17:53:06.478193524Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="PhysicalDevice" identifier="serial=683a9830" />
+              <DeviceId pluginId="PhysicalDevice" identifier="serial=a703e092" />
             </handle>
           </Target>
         </DropdownSelection>

README.md

@@ -14,17 +14,25 @@ A native Android client for Maldivian banking services. It is a pure client: req
 - Existing accounts with MIB, BML, or Fahipay
 - Your TOTP seed (base32 secret from your authenticator app setup) for each bank
 
-## Download
-[Download latest APK](https://git.shihaam.dev/shihaam/ISODroid/releases/latest)
+## Download APK
+[Gitea Releases](https://git.shihaam.dev/shihaam/thijooree/releases)
+[Telegram Channel](https://t.me/s/thijooreeapks)
 
 ## Privacy
 
-No data ever leaves your device except the API calls to the banking services themselves. See the [security audit](docs/AI_SECURITY_CHECK.md) for a full list of every server the app connects to.
+No data ever leaves your device except the API calls to the banking services themselves. See the [security audit](docs/thijooree/AI_SECURITY_CHECK.md) for a full list of every server the app connects to.
+
+## Documentation
+
+API reverse-engineering notes and app internals are in [`docs/`](docs/README.md).
 
 ## Disclaimer
 
 This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by MIB, BML, or Fahipay. Use at your own risk. Review the source code before entering your banking credentials.
 
+## Contributing
+
+<blockquote class="twitter-tweet"><p lang="en" dir="ltr">Talk is cheap, send patches.</p>&mdash; FFmpeg (@FFmpeg) <a href="https://x.com/FFmpeg/status/1762805900035686805?ref_src=twsrc%5Etfw">February 28, 2024</a></blockquote> 
 
 ## License
 

app/build.gradle.kts

@@ -1,8 +1,18 @@
+import java.util.Properties
+
 plugins {
     alias(libs.plugins.android.application)
     alias(libs.plugins.kotlin.android)
 }
 
+val localProps = Properties().also { props ->
+    val f = rootProject.file("local.properties")
+    if (f.exists()) props.load(f.inputStream())
+}
+
+fun localOrEnv(key: String, envKey: String) =
+    localProps.getProperty(key) ?: System.getenv(envKey) ?: ""
+
 android {
     namespace = "sh.sar.basedbank"
     compileSdk = 36
@@ -11,10 +21,13 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 9
-        versionName = "1.0.10"
+        versionCode = 20
+        versionName = "1.0.20"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
+
+        buildConfigField("String", "ACCOUNT_MVR", "\"${localOrEnv("account.mvr", "ACCOUNT_MVR")}\"")
+        buildConfigField("String", "ACCOUNT_USD", "\"${localOrEnv("account.usd", "ACCOUNT_USD")}\"")
     }
 
     signingConfigs {
@@ -49,6 +62,7 @@ android {
     }
     buildFeatures {
         viewBinding = true
+        buildConfig = true
     }
 }
 
@@ -91,6 +105,9 @@ dependencies {
     // Biometric authentication
     implementation("androidx.biometric:biometric:1.1.0")
 
+    // Encrypted SharedPreferences (HCE token store)
+    implementation("androidx.security:security-crypto:1.1.0-alpha06")
+
     testImplementation(libs.junit)
     androidTestImplementation(libs.androidx.junit)
     androidTestImplementation(libs.androidx.espresso.core)

app/src/debug/res/values/colors.xml

@@ -0,0 +1,4 @@
+<?xml version="1.0" encoding="utf-8"?>
+<resources>
+    <color name="ic_logo_background">#CC0000</color>
+</resources>

app/src/debug/res/xml/shortcuts.xml

@@ -0,0 +1,43 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shortcuts xmlns:android="http://schemas.android.com/apk/res/android">
+
+    <shortcut
+        android:shortcutId="transfer"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_transfer"
+        android:shortcutShortLabel="@string/transfer"
+        android:shortcutLongLabel="@string/transfer">
+        <intent
+            android:action="sh.sar.basedbank.OPEN_TRANSFER"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+    <shortcut
+        android:shortcutId="scan_qr"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_scan_qr"
+        android:shortcutShortLabel="@string/transfer_scan_qr"
+        android:shortcutLongLabel="@string/transfer_scan_qr">
+        <intent
+            android:action="sh.sar.basedbank.OPEN_SCAN_QR"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+    <shortcut
+        android:shortcutId="tap_to_pay"
+        android:enabled="true"
+        android:icon="@drawable/ic_shortcut_pay_card"
+        android:shortcutShortLabel="@string/card_pay_nfc"
+        android:shortcutLongLabel="@string/card_pay_nfc">
+        <intent
+            android:action="sh.sar.basedbank.TAP_TO_PAY"
+            android:targetPackage="sh.sar.basedbank.debug"
+            android:targetClass="sh.sar.basedbank.MainActivity" />
+        <categories android:name="android.shortcut.conversation" />
+    </shortcut>
+
+</shortcuts>

app/src/main/AndroidManifest.xml

@@ -7,6 +7,14 @@
     <uses-permission android:name="android.permission.CAMERA" />
     <uses-permission android:name="android.permission.USE_BIOMETRIC" />
     <uses-permission android:name="android.permission.ACCESS_NETWORK_STATE" />
+    <uses-permission android:name="android.permission.NFC" />
+    <uses-permission android:name="android.permission.VIBRATE" />
+    <uses-permission android:name="android.permission.POST_NOTIFICATIONS" />
+    <uses-permission android:name="android.permission.FOREGROUND_SERVICE" />
+    <uses-permission android:name="android.permission.FOREGROUND_SERVICE_DATA_SYNC" />
+    <uses-permission android:name="android.permission.REQUEST_IGNORE_BATTERY_OPTIMIZATIONS" />
+
+    <uses-feature android:name="android.hardware.nfc.hce" android:required="false" />
 
     <application
         android:name=".BasedBankApp"
@@ -59,6 +67,44 @@
             android:exported="false"
             android:screenOrientation="portrait" />
 
+        <activity
+            android:name=".nfc.BmlTapToPayActivity"
+            android:exported="false"
+            android:launchMode="singleTop"
+            android:theme="@style/Theme.BasedBank" />
+
+        <service
+            android:name=".service.NotificationPollingService"
+            android:exported="false"
+            android:foregroundServiceType="dataSync" />
+
+        <service
+            android:name=".nfc.BmlHostCardEmulatorService"
+            android:exported="true"
+            android:permission="android.permission.BIND_NFC_SERVICE">
+            <intent-filter>
+                <action android:name="android.nfc.cardemulation.action.HOST_APDU_SERVICE" />
+                <category android:name="android.intent.category.DEFAULT" />
+            </intent-filter>
+            <meta-data
+                android:name="android.nfc.cardemulation.host_apdu_service"
+                android:resource="@xml/bml_aid_list" />
+        </service>
+
+        <!-- Share-sheet alias: "Scan to Pay" receives shared images and decodes their QR code -->
+        <activity-alias
+            android:name=".ScanToPayActivity"
+            android:targetActivity=".MainActivity"
+            android:exported="true"
+            android:label="@string/transfer_scan_qr"
+            android:icon="@drawable/ic_qr_scan">
+            <intent-filter>
+                <action android:name="android.intent.action.SEND" />
+                <category android:name="android.intent.category.DEFAULT" />
+                <data android:mimeType="image/*" />
+            </intent-filter>
+        </activity-alias>
+
         <provider
             android:name="androidx.core.content.FileProvider"
             android:authorities="${applicationId}.fileprovider"

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

@@ -124,8 +124,17 @@ class LockActivity : AppCompatActivity() {
                 else
                     com.google.android.material.R.attr.materialButtonOutlinedStyle
                 val btn = MaterialButton(this, null, style).apply {
-                    text = key
-                    textSize = 24f
+                    if (key == "⌫" || key == "✓") {
+                        text = ""
+                        icon = ContextCompat.getDrawable(this@LockActivity,
+                            if (key == "⌫") R.drawable.ic_backspace else R.drawable.ic_check)
+                        iconGravity = MaterialButton.ICON_GRAVITY_TEXT_START
+                        iconPadding = 0
+                        iconSize = (28 * dp).toInt()
+                    } else {
+                        text = key
+                        textSize = 24f
+                    }
                     insetTop = 0; insetBottom = 0
                     minimumWidth = 0; minimumHeight = 0
                     cornerRadius = btnSize / 2
@@ -278,9 +287,13 @@ class LockActivity : AppCompatActivity() {
             }
             val navDest = intent.getIntExtra("nav_destination", -1)
             val autoScan = intent.getBooleanExtra("auto_scan", false)
+            val autoTapMode = intent.getBooleanExtra("auto_tap_mode", false)
+            val shareQrText = intent.getStringExtra("share_qr_text")
             startActivity(Intent(this, HomeActivity::class.java).apply {
                 if (navDest != -1) putExtra("nav_destination", navDest)
                 if (autoScan) putExtra("auto_scan", true)
+                if (autoTapMode) putExtra("auto_tap_mode", true)
+                if (shareQrText != null) putExtra("share_qr_text", shareQrText)
             })
             finish()
         }

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

@@ -12,6 +12,28 @@ import sh.sar.basedbank.R
 
 class MainActivity : AppCompatActivity() {
 
+    private fun decodeQrFromSharedImage(uri: android.net.Uri): String? {
+        return try {
+            val bitmap = contentResolver.openInputStream(uri)?.use {
+                android.graphics.BitmapFactory.decodeStream(it)
+            } ?: return null
+            val opts = de.markusfisch.android.zxingcpp.ZxingCpp.ReaderOptions(
+                tryHarder = true, tryRotate = true, tryInvert = true,
+                tryDownscale = true, maxNumberOfSymbols = 1,
+                textMode = de.markusfisch.android.zxingcpp.ZxingCpp.TextMode.PLAIN
+            )
+            val result = (de.markusfisch.android.zxingcpp.ZxingCpp.readBitmap(
+                bitmap, 0, 0, bitmap.width, bitmap.height, 0,
+                opts.apply { binarizer = de.markusfisch.android.zxingcpp.ZxingCpp.Binarizer.LOCAL_AVERAGE }
+            ) ?: de.markusfisch.android.zxingcpp.ZxingCpp.readBitmap(
+                bitmap, 0, 0, bitmap.width, bitmap.height, 0,
+                opts.apply { binarizer = de.markusfisch.android.zxingcpp.ZxingCpp.Binarizer.GLOBAL_HISTOGRAM }
+            ))?.firstOrNull()?.text
+            bitmap.recycle()
+            result
+        } catch (_: Exception) { null }
+    }
+
     override fun onCreate(savedInstanceState: Bundle?) {
         super.onCreate(savedInstanceState)
 
@@ -21,13 +43,26 @@ class MainActivity : AppCompatActivity() {
         val store = CredentialStore(this)
         val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
 
+        // Image shared via "Scan to Pay" — decode QR here while we still hold the URI permission
+        val shareQrText: String? = if (intent?.action == Intent.ACTION_SEND &&
+            intent.type?.startsWith("image/") == true) {
+            val uri: android.net.Uri? =
+                if (android.os.Build.VERSION.SDK_INT >= android.os.Build.VERSION_CODES.TIRAMISU)
+                    intent.getParcelableExtra(Intent.EXTRA_STREAM, android.net.Uri::class.java)
+                else
+                    @Suppress("DEPRECATION") intent.getParcelableExtra(Intent.EXTRA_STREAM)
+            if (uri != null) decodeQrFromSharedImage(uri) else null
+        } else null
+
         val navDestination = when (intent?.action) {
             "sh.sar.basedbank.OPEN_TRANSFER"      -> R.id.nav_transfer
             "sh.sar.basedbank.OPEN_SCAN_QR"       -> R.id.nav_transfer
             "sh.sar.basedbank.OPEN_PAY_WITH_CARD" -> R.id.nav_pay_with_card
+            "sh.sar.basedbank.TAP_TO_PAY"         -> R.id.nav_pay_with_card
             else -> -1
         }
         val autoScan = intent?.action == "sh.sar.basedbank.OPEN_SCAN_QR"
+        val autoTapMode = intent?.action == "sh.sar.basedbank.TAP_TO_PAY"
 
         val target = when {
             !onboardingDone -> OnboardingActivity::class.java
@@ -43,6 +78,8 @@ class MainActivity : AppCompatActivity() {
         startActivity(Intent(this, target).apply {
             if (navDestination != -1) putExtra("nav_destination", navDestination)
             if (autoScan) putExtra("auto_scan", true)
+            if (autoTapMode) putExtra("auto_tap_mode", true)
+            if (shareQrText != null) putExtra("share_qr_text", shareQrText)
         })
         finish()
     }

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

@@ -0,0 +1,55 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+
+data class BmlCardActionResult(
+    val success: Boolean,
+    val message: String
+)
+
+class BmlCardClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Freezes or unfreezes a BML card.
+     * @param cardId BML card UUID (BankAccount.internalId)
+     * @param action "freeze" or "unfreeze"
+     */
+    fun setCardFreezeState(session: BmlSession, cardId: String, action: String): BmlCardActionResult {
+        val body = JSONObject().apply {
+            put("card", cardId)
+            put("action", action)
+        }.toString().toRequestBody("application/json".toMediaType())
+
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/services/card/freeze")
+            .post(body)
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+
+        val resp = client.newCall(request).execute()
+        val code = resp.code
+        val responseBody = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+        return try {
+            val json = JSONObject(responseBody ?: "")
+            val ok = json.optBoolean("success") && json.optInt("code") == 0
+            BmlCardActionResult(
+                success = ok,
+                message = json.optString("payload").ifBlank { json.optString("message") }
+            )
+        } catch (_: Exception) {
+            BmlCardActionResult(success = false, message = "")
+        }
+    }
+}

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

@@ -9,6 +9,12 @@ import sh.sar.basedbank.api.models.BankTransaction
 import java.text.SimpleDateFormat
 import java.util.Locale
 
+data class BmlCardHistoryResult(
+    val statement: List<BankTransaction>,
+    val outstanding: List<BankTransaction>,
+    val unbilled: List<BankTransaction>
+)
+
 class BmlHistoryClient {
 
     private val client = newBmlApiClient()
@@ -70,7 +76,7 @@ class BmlHistoryClient {
         accountDisplayName: String,
         accountNumber: String,
         month: String
-    ): List<BankTransaction> {
+    ): BmlCardHistoryResult {
         val body = """{"card":"$cardId","month":"$month"}"""
             .toRequestBody("application/json".toMediaType())
         val resp = client.newCall(
@@ -81,6 +87,72 @@ class BmlHistoryClient {
                 .build()
         ).execute()
         val code = resp.code
+        val json = resp.body?.string() ?: return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
+            val payload = root.optJSONObject("payload")
+                ?: return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
+
+            val outstanding = parseCardArray(
+                payload.optJSONObject("outstanding")?.optJSONArray("CardOutStdAuthDetails"),
+                idPrefix = "auth", accountNumber, accountDisplayName
+            )
+            val unbilled = parseCardArray(
+                payload.optJSONObject("unbilled")?.optJSONArray("CardUnbillTxnDetails"),
+                idPrefix = "unbilled", accountNumber, accountDisplayName
+            )
+            val statement = parseCardArray(
+                payload.optJSONArray("cardstatement"),
+                idPrefix = "stmt", accountNumber, accountDisplayName
+            )
+
+            BmlCardHistoryResult(statement, outstanding, unbilled)
+        } catch (_: Exception) { BmlCardHistoryResult(emptyList(), emptyList(), emptyList()) }
+    }
+
+    private fun parseCardArray(
+        arr: org.json.JSONArray?,
+        idPrefix: String,
+        accountNumber: String,
+        accountDisplayName: String
+    ): List<BankTransaction> {
+        if (arr == null) return emptyList()
+        return (0 until arr.length()).map { i ->
+            val item = arr.getJSONObject(i)
+            val ref = item.optString("TranApprCode")
+            BankTransaction(
+                id                 = "${idPrefix}_${ref.ifBlank { i.toString() }}",
+                date               = item.optString("DateTime"),
+                description        = item.optString("TranDesc").trim(),
+                amount             = item.optDouble("BillingAmount", 0.0),
+                currency           = item.optString("BillingCcy", "MVR"),
+                counterpartyName   = null,
+                reference          = ref.takeIf { it.isNotBlank() },
+                accountNumber      = accountNumber,
+                accountDisplayName = accountDisplayName,
+                source             = "BML_CARD"
+            )
+        }
+    }
+
+    fun fetchPendingHistory(
+        session: BmlSession,
+        accountId: String,
+        accountDisplayName: String,
+        accountNumber: String
+    ): List<BankTransaction> {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/history/pending/$accountId")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .build()
+        ).execute()
+        val code = resp.code
         val json = resp.body?.string() ?: return emptyList()
         resp.close()
         if (code == 401 || code == 419) throw AuthExpiredException()
@@ -88,68 +160,22 @@ class BmlHistoryClient {
         return try {
             val root = JSONObject(json)
             if (!root.optBoolean("success")) return emptyList()
-            val payload = root.optJSONObject("payload") ?: return emptyList()
-            val result = mutableListOf<BankTransaction>()
-
-            val authDetails = payload.optJSONObject("outstanding")
-                ?.optJSONArray("CardOutStdAuthDetails")
-            if (authDetails != null) {
-                for (i in 0 until authDetails.length()) {
-                    val item = authDetails.getJSONObject(i)
-                    result.add(BankTransaction(
-                        id                 = "auth_${item.optString("TranApprCode")}_$i",
-                        date               = item.optString("DateTime"),
-                        description        = item.optString("TranDesc").trim(),
-                        amount             = item.optDouble("BillingAmount", 0.0),
-                        currency           = item.optString("BillingCcy", "MVR"),
-                        counterpartyName   = null,
-                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
-                        accountNumber      = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source             = "BML_CARD"
-                    ))
-                }
+            val payload = root.optJSONArray("payload") ?: return emptyList()
+            (0 until payload.length()).map { i ->
+                val item = payload.getJSONObject(i)
+                BankTransaction(
+                    id                 = item.optString("LockedID"),
+                    date               = item.optString("FromDate"),
+                    description        = "Pending",
+                    amount             = -item.optDouble("LockedAmount", 0.0),
+                    currency           = "MVR",
+                    counterpartyName   = item.optString("Description").trim().takeIf { it.isNotBlank() },
+                    reference          = null,
+                    accountNumber      = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source             = "BML"
+                )
             }
-
-            val unbilled = payload.optJSONObject("unbilled")
-                ?.optJSONArray("CardUnbillTxnDetails")
-            if (unbilled != null) {
-                for (i in 0 until unbilled.length()) {
-                    val item = unbilled.getJSONObject(i)
-                    result.add(BankTransaction(
-                        id                 = "unbilled_${item.optString("TranApprCode")}_$i",
-                        date               = item.optString("DateTime"),
-                        description        = item.optString("TranDesc").trim(),
-                        amount             = item.optDouble("BillingAmount", 0.0),
-                        currency           = item.optString("BillingCcy", "MVR"),
-                        counterpartyName   = null,
-                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
-                        accountNumber      = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source             = "BML_CARD"
-                    ))
-                }
-            }
-
-            val statement = payload.optJSONArray("cardstatement")
-            if (statement != null) {
-                for (i in 0 until statement.length()) {
-                    val item = statement.getJSONObject(i)
-                    result.add(BankTransaction(
-                        id                 = "stmt_${item.optString("TranRef", i.toString())}",
-                        date               = item.optString("TransDate", item.optString("TranDate", "")),
-                        description        = item.optString("TranDesc", item.optString("Description", "")).trim(),
-                        amount             = -item.optDouble("TranAmount", 0.0),
-                        currency           = item.optString("TranCcy", "MVR"),
-                        counterpartyName   = null,
-                        reference          = item.optString("TranRef").takeIf { it.isNotBlank() },
-                        accountNumber      = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source             = "BML_CARD"
-                    ))
-                }
-            }
-            result
         } catch (_: Exception) { emptyList() }
     }
 

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

@@ -82,6 +82,15 @@ data class BmlQrPayResult(
     val errorMessage: String = ""
 )
 
+data class BmlWalletToken(
+    val token: String,
+    val expiry: String,
+    val appCode: String,      // AID hex, e.g. "A0000000031010"
+    val serviceCode: String,
+    val data: String,
+    val validUntil: String    // "YYYY-MM-DD HH:mm:ss.SSS"
+)
+
 data class BmlForeignLimit(
     val type: String,
     val used: Double,

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

@@ -0,0 +1,95 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import sh.sar.basedbank.ui.home.AppNotification
+import java.text.SimpleDateFormat
+import java.util.Locale
+
+private const val BML_NOTIF_BASE = "https://app.bankofmaldives.com.mv"
+
+class BmlNotificationsClient {
+
+    private val client = newBmlApiClient()
+    private val sdf = SimpleDateFormat("yyyy-MM-dd'T'HH:mm:ss", Locale.US)
+
+    data class FetchResult(
+        val items: List<AppNotification>,
+        val total: Int
+    )
+
+    fun fetchNotifications(
+        session: BmlSession,
+        loginId: String,
+        group: String = "ALL",
+        page: Int = 1
+    ): FetchResult {
+        val url = "$BML_NOTIF_BASE/api/v2/notifications?group=$group&page=$page"
+        return try {
+            val resp = client.newCall(bmlApiRequest(session, url)).execute()
+            if (!resp.isSuccessful) { resp.close(); return FetchResult(emptyList(), 0) }
+            val body = resp.body?.string().also { resp.close() } ?: return FetchResult(emptyList(), 0)
+            parseResponse(body, loginId)
+        } catch (_: Exception) { FetchResult(emptyList(), 0) }
+    }
+
+    fun markAllRead(session: BmlSession): Boolean {
+        val url = "$BML_NOTIF_BASE/api/v2/notifications/read"
+        val reqBody = """{"all":true}""".toRequestBody("application/json".toMediaType())
+        val req = Request.Builder().url(url)
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .put(reqBody)
+            .build()
+        return try {
+            val resp = client.newCall(req).execute()
+            val ok = resp.isSuccessful
+            resp.close()
+            ok
+        } catch (_: Exception) { false }
+    }
+
+    private fun parseResponse(body: String, loginId: String): FetchResult {
+        val json = JSONObject(body)
+        if (!json.optBoolean("success")) return FetchResult(emptyList(), 0)
+        val total = json.optInt("total", 0)
+        val payload = json.optJSONArray("payload") ?: return FetchResult(emptyList(), total)
+
+        val items = (0 until payload.length()).map { i ->
+            val obj = payload.getJSONObject(i)
+            val dataObj = obj.optJSONObject("data")
+            val detailFields = mutableListOf<Pair<String, String>>()
+            detailFields.add("Bank" to "BML")
+            detailFields.add("Group" to obj.optString("group"))
+            detailFields.add("Type" to obj.optString("type"))
+            if (dataObj != null) {
+                dataObj.keys().forEach { key ->
+                    val v = dataObj.opt(key)?.toString()?.takeIf { it.isNotBlank() } ?: return@forEach
+                    detailFields.add(formatKey(key) to v)
+                }
+            }
+            val createdAt = obj.optString("created_at")
+            val tsMs = try { sdf.parse(createdAt)?.time ?: System.currentTimeMillis() }
+                       catch (_: Exception) { System.currentTimeMillis() }
+            AppNotification(
+                id = obj.optString("id"),
+                bank = "BML",
+                loginId = loginId,
+                group = obj.optString("group", "ALERTS"),
+                title = obj.optString("title"),
+                message = obj.optString("message"),
+                timestampMs = tsMs,
+                isRead = obj.optBoolean("is_read", true),
+                detailFields = detailFields
+            )
+        }
+        return FetchResult(items, total)
+    }
+
+    private fun formatKey(key: String): String =
+        key.replace('_', ' ').split(' ').joinToString(" ") { it.replaceFirstChar(Char::uppercase) }
+}

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

@@ -0,0 +1,79 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONArray
+import org.json.JSONObject
+
+class BmlTapToPayClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Fetches up to [quantity] single-use payment tokens for [cardId].
+     * [otp] is a TOTP code generated from the stored BML OTP seed.
+     *
+     * Flow:
+     *   1. POST → code 99 (OTP required) or 0 (direct, unlikely)
+     *   2. POST with channel=token → code 22 (OTP generated on BML side, but we use TOTP)
+     *   3. POST with otp=TOTP → code 0, payload = token list
+     */
+    fun fetchTokens(
+        session: BmlSession,
+        cardId: String,
+        otp: String,
+        quantity: Int = 3
+    ): List<BmlWalletToken> {
+        val url = "$BML_BASE_URL/api/mobile/walletpayments/gettoken"
+
+        // Step 1: initiate
+        val base = JSONObject().apply {
+            put("type", "track2")
+            put("cardid", cardId)
+            put("quantity", quantity)
+        }
+        val step1 = post(session, url, base)
+        if (step1.optInt("code") == 0) return parseTokens(step1.optJSONArray("payload"))
+        if (step1.optInt("code") != 99) throw Exception(step1.optString("message", "Token request failed"))
+
+        // Step 2: request OTP channel (triggers BML to validate we can use TOTP)
+        val body2 = JSONObject(base.toString()).apply { put("channel", "token") }
+        val step2 = post(session, url, body2)
+        if (step2.optInt("code") != 22) throw Exception(step2.optString("message", "OTP channel request failed"))
+
+        // Step 3: submit TOTP
+        val body3 = JSONObject(body2.toString()).apply { put("otp", otp) }
+        val step3 = post(session, url, body3)
+        if (step3.optInt("code") != 0) throw Exception(step3.optString("message", "Token fetch failed"))
+
+        return parseTokens(step3.optJSONArray("payload"))
+    }
+
+    private fun post(session: BmlSession, url: String, body: JSONObject): JSONObject {
+        val req = okhttp3.Request.Builder()
+            .url(url)
+            .post(body.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .build()
+        return client.newCall(req).execute().use { resp ->
+            JSONObject(resp.body?.string() ?: throw Exception("Empty response"))
+        }
+    }
+
+    private fun parseTokens(arr: JSONArray?): List<BmlWalletToken> {
+        arr ?: return emptyList()
+        return (0 until arr.length()).map { i ->
+            val o = arr.getJSONObject(i)
+            BmlWalletToken(
+                token       = o.getString("token"),
+                expiry      = o.getString("expiry"),
+                appCode     = o.getString("app_code"),
+                serviceCode = o.getString("service_code"),
+                data        = o.optString("data", ""),
+                validUntil  = o.optString("valid_until", "")
+            )
+        }
+    }
+}

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

@@ -84,7 +84,8 @@ class BmlTransferClient {
             try {
                 val json = JSONObject(bodyStr)
                 if (!json.optBoolean("success")) {
-                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
+                    val payloadStr = json.optString("payload").takeIf { it.isNotBlank() && it != "null" }
+                    BmlTransferResult(false, errorMessage = payloadStr ?: json.optString("message").ifBlank { "Transfer failed" })
                 } else {
                     val payload = json.optJSONObject("payload")
                     BmlTransferResult(

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

@@ -71,7 +71,8 @@ class BmlValidateClient {
                 originalInput  = account,
                 name           = root.optString("name"),
                 alias          = null,
-                currency       = "MVR",
+                // BML's MIB verify endpoint doesn't return the MIB account's currency.
+                currency       = "",
                 agnt           = root.optString("agnt").takeIf { it.isNotBlank() }
             )
         } catch (_: Exception) { null }

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

@@ -0,0 +1,135 @@
+package sh.sar.basedbank.api.mib
+
+import android.os.Build
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.ui.home.AppNotification
+import java.text.SimpleDateFormat
+import java.util.Locale
+import java.util.concurrent.TimeUnit
+
+private val SKIP_TYPES = setOf("Switch Profile", "Log in")
+private const val MIB_WV_URL = "https://faisamobilex-wv.mib.com.mv"
+
+class MibActivityHistoryClient {
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    private val sdf = SimpleDateFormat("dd MMM yyyy HH:mm", Locale.US)
+
+    data class FetchResult(
+        val items: List<AppNotification>, // already filtered (no Switch Profile)
+        val rawCount: Int,                // raw items returned by API before filtering
+        val totalCount: Int,
+        val nextStart: Int
+    )
+
+    fun fetchActivity(
+        session: MibSession,
+        loginId: String,
+        start: Int,
+        end: Int
+    ): FetchResult {
+        val cookieHeader = "mbmodel=IOS-1.0; " +
+            "xxid=${session.xxid}; " +
+            "IBSID=${session.xxid}; " +
+            "mbnonce=${session.nonceGenerator}; " +
+            "time-tracker=597"
+
+        val formBody = FormBody.Builder()
+            .add("start", start.toString())
+            .add("end", end.toString())
+            .add("includeCount", "1")
+            .build()
+
+        val req = Request.Builder()
+            .url("$MIB_WV_URL/aProfile/getPagedActivityHistory")
+            .header("Cookie", cookieHeader)
+            .header("User-Agent", "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36")
+            .header("X-Requested-With", "XMLHttpRequest")
+            .post(formBody)
+            .build()
+
+        val body = try {
+            val resp = client.newCall(req).execute()
+            if (!resp.isSuccessful) { resp.close(); return FetchResult(emptyList(), 0, 0, end + 1) }
+            resp.body?.string().also { resp.close() } ?: return FetchResult(emptyList(), 0, 0, end + 1)
+        } catch (_: Exception) { return FetchResult(emptyList(), 0, 0, end + 1) }
+
+        return try {
+            val json = JSONObject(body)
+            if (!json.optBoolean("success")) return FetchResult(emptyList(), 0, 0, end + 1)
+            val totalCount = json.optString("total_count", "0").toIntOrNull() ?: 0
+            val dataArr = json.optJSONArray("data") ?: return FetchResult(emptyList(), 0, totalCount, end + 1)
+
+            val items = mutableListOf<AppNotification>()
+            val rawCount = dataArr.length()
+            for (i in 0 until rawCount) {
+                val obj = dataArr.getJSONObject(i)
+                val activityType = obj.optString("activityType")
+                if (activityType in SKIP_TYPES) continue
+
+                val pa = obj.optString("pa")
+                val activity = obj.optString("activity")
+                val pb = obj.optString("pb")
+                val dateStr = obj.optString("date")
+
+                val message = buildString {
+                    append(pa)
+                    if (activity.isNotBlank()) { append(" "); append(activity) }
+                    if (pb.isNotBlank()) { append(" "); append(pb) }
+                }
+
+                val tsMs = try { sdf.parse(dateStr)?.time ?: System.currentTimeMillis() }
+                           catch (_: Exception) { System.currentTimeMillis() }
+
+                val detailFields = mutableListOf<Pair<String, String>>().apply {
+                    add("Bank" to "MIB")
+                    add("Type" to activityType)
+                    if (pa.isNotBlank()) add("By" to pa)
+                    if (activity.isNotBlank() && pb.isNotBlank()) add("Action" to "$activity $pb")
+                    if (dateStr.isNotBlank()) add("Date" to dateStr)
+                }
+
+                items.add(AppNotification(
+                    id = obj.optString("aid"),
+                    bank = "MIB",
+                    loginId = loginId,
+                    group = "ALERTS",
+                    title = activityType,
+                    message = message,
+                    timestampMs = tsMs,
+                    isRead = false, // resolved from cache in the sheet
+                    detailFields = detailFields
+                ))
+            }
+            FetchResult(items, rawCount, totalCount, end + 1)
+        } catch (_: Exception) { FetchResult(emptyList(), 0, 0, end + 1) }
+    }
+
+    // Keeps fetching pages until at least `minCount` non-Switch-Profile items found or all pages exhausted.
+    fun fetchUntilEnough(
+        session: MibSession,
+        loginId: String,
+        minCount: Int = 5,
+        pageSize: Int = 100
+    ): FetchResult {
+        val accumulated = mutableListOf<AppNotification>()
+        var start = 1
+        var totalCount = 0
+
+        while (accumulated.size < minCount) {
+            val result = fetchActivity(session, loginId, start, start + pageSize - 1)
+            totalCount = result.totalCount
+            accumulated.addAll(result.items)
+            if (result.rawCount == 0 || start + pageSize - 1 >= totalCount) break
+            start = result.nextStart
+        }
+        return FetchResult(accumulated, accumulated.size, totalCount, start)
+    }
+}

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

@@ -7,10 +7,18 @@ import okhttp3.Request
 import org.json.JSONObject
 import java.util.concurrent.TimeUnit
 
+data class MibCardActionResult(
+    val success: Boolean,
+    val message: String,
+    val currentStatusCode: String
+)
+
 class MibCardsClient {
 
     private val BASE_WV_URL = "https://faisamobilex-wv.mib.com.mv"
 
+    private val USER_AGENT = "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+
     private val client = OkHttpClient.Builder()
         .connectTimeout(20, TimeUnit.SECONDS)
         .readTimeout(20, TimeUnit.SECONDS)
@@ -20,7 +28,7 @@ class MibCardsClient {
         "mbmodel=IOS-1.0; xxid=${session.xxid}; IBSID=${session.xxid}; " +
         "mbnonce=${session.nonceGenerator}; time-tracker=597"
 
-    fun fetchCards(session: MibSession, loginTag: String): List<MibCard> {
+    fun fetchCards(session: MibSession, loginTag: String, profileId: String = ""): List<MibCard> {
         val body = FormBody.Builder()
             .add("name", "")
             .add("start", "1")
@@ -32,7 +40,7 @@ class MibCardsClient {
             .url("$BASE_WV_URL/ajaxDebitCard/fetchCardInfos")
             .post(body)
             .header("Cookie", cookieHeader(session))
-            .header("User-Agent", "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36")
+            .header("User-Agent", USER_AGENT)
             .header("X-Requested-With", "XMLHttpRequest")
             .header("Accept", "*/*")
             .header("Origin", BASE_WV_URL)
@@ -55,9 +63,42 @@ class MibCardsClient {
                     customerId = item.optString("customerId"),
                     phoneNumber = item.optString("phoneNumber"),
                     cardHolderName = item.optString("cardHolderName"),
-                    loginTag = loginTag
+                    loginTag = loginTag,
+                    profileId = profileId
                 )
             }
         }
     }
+
+    /** Freezes a MIB card. action = "freeze" or "unfreeze". */
+    fun setCardFreezeState(session: MibSession, cardId: String, action: String, comments: String): MibCardActionResult {
+        val body = FormBody.Builder()
+            .add("cardId", cardId)
+            .add("comments", comments)
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxDebitCard/$action")
+            .post(body)
+            .header("Cookie", cookieHeader(session))
+            .header("User-Agent", USER_AGENT)
+            .header("X-Requested-With", "XMLHttpRequest")
+            .header("Accept", "*/*")
+            .header("Origin", BASE_WV_URL)
+            .header("Referer", "$BASE_WV_URL//debitCards/manage?cardId=$cardId&dashurl=1")
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string()
+                ?: return MibCardActionResult(false, "", "")
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) {
+                return MibCardActionResult(false, "", "")
+            }
+            MibCardActionResult(
+                success = json.optBoolean("success"),
+                message = json.optString("reasonText"),
+                currentStatusCode = json.optString("currentStatusCode")
+            )
+        }
+    }
 }

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

@@ -73,7 +73,7 @@ class MibHistoryClient {
                     id = item.optString("trxNumber"),
                     date = item.optString("trxDate"),
                     description = item.optString("descr1").trim(),
-                    amount = item.optString("baseAmount", "0").toDoubleOrNull() ?: 0.0,
+                    amount = item.optString("foreignAmount", "0").toDoubleOrNull() ?: 0.0,
                     currency = item.optString("curCodeDesc"),
                     counterpartyName = item.optString("benefName").takeIf {
                         it.isNotBlank() && it != "null"

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

@@ -42,7 +42,8 @@ data class MibTransferResult(
 data class MibIpsAccountInfo(
     val accountName: String,
     val accountNumber: String,
-    val bankId: String
+    val bankId: String,
+    val currency: String = ""  // "MVR", "USD", or "" if unknown
 )
 
 
@@ -55,7 +56,8 @@ data class MibCard(
     val customerId: String,
     val phoneNumber: String,
     val cardHolderName: String,
-    val loginTag: String
+    val loginTag: String,
+    val profileId: String = ""
 )
 
 data class MibFinanceDeal(

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

@@ -130,7 +130,10 @@ class MibTransferClient {
             MibIpsAccountInfo(
                 accountName = json.optString("accountName").trim(),
                 accountNumber = accountNumber,
-                bankId = json.optString("bankBic")
+                bankId = json.optString("bankBic"),
+                // MIB IPS only returns success for MVR cross-bank accounts;
+                // USD cross-bank accounts fail this lookup entirely.
+                currency = "MVR"
             )
         }
     }
@@ -156,10 +159,18 @@ class MibTransferClient {
             // accountName may be at root or inside a "data" object
             val name = json.optString("accountName").takeIf { it.isNotBlank() }
                 ?: json.optJSONObject("data")?.optString("accountName") ?: ""
+            val currencyCode = json.optString("currencyCode").takeIf { it.isNotBlank() }
+                ?: json.optJSONObject("data")?.optString("currencyCode") ?: ""
+            val currency = when (currencyCode) {
+                "840" -> "USD"
+                "462" -> "MVR"
+                else  -> ""
+            }
             MibIpsAccountInfo(
                 accountName = name.trim(),
                 accountNumber = accountNumber,
-                bankId = "MADVMVMV"  // MIB
+                bankId = "MADVMVMV",  // MIB
+                currency = currency
             )
         }
     }

app/src/main/java/sh/sar/basedbank/nfc/BmlHostCardEmulatorService.kt

@@ -0,0 +1,185 @@
+package sh.sar.basedbank.nfc
+
+import android.content.Intent
+import android.nfc.cardemulation.HostApduService
+import android.os.Bundle
+import android.util.Log
+import sh.sar.basedbank.api.bml.BmlWalletToken
+
+/**
+ * HCE service that emulates a BML contactless payment card.
+ *
+ * Implements the minimal EMV mag-stripe contactless flow:
+ *   SELECT PPSE → SELECT AID → GET PROCESSING OPTIONS → READ RECORD
+ *
+ * Each BmlWalletToken is single-use and is set via [setToken] before tapping.
+ * After READ RECORD is sent the [onTransactionComplete] callback fires.
+ */
+class BmlHostCardEmulatorService : HostApduService() {
+
+    private var gpoSent = false
+
+    override fun processCommandApdu(commandApdu: ByteArray?, extras: Bundle?): ByteArray {
+        if (commandApdu == null) return SW_UNKNOWN_ERROR
+        val apdu = Apdu(commandApdu)
+        if (apdu.isError) return apdu.errorResponse()
+
+        return when (apdu.ins) {
+            INS_SELECT -> handleSelect(apdu)
+            INS_GPO    -> handleGpo()
+            INS_READ   -> handleReadRecord()
+            else       -> SW_INS_NOT_SUPPORTED
+        }
+    }
+
+    override fun onDeactivated(reason: Int) {
+        if (!gpoSent) onTransactionComplete?.invoke(false)
+        gpoSent = false
+    }
+
+    // ── APDU handlers ──────────────────────────────────────────────────────────
+
+    private fun handleSelect(apdu: Apdu): ByteArray {
+        val data = apdu.data ?: return SW_UNKNOWN_ERROR
+
+        if (data.contentEquals(PPSE_BYTES)) {
+            val token = activeToken ?: run { launchPromptActivity(); return SW_UNKNOWN_ERROR }
+            return hexToBytes(buildSelectPpseResponse(token.appCode, applicationLabel(token.appCode), "01"))
+        }
+
+        val token = activeToken ?: return SW_UNKNOWN_ERROR
+        return if (data.contentEquals(hexToBytes(token.appCode))) {
+            hexToBytes(buildSelectAidResponse(token.appCode, applicationLabel(token.appCode)))
+        } else {
+            SW_UNKNOWN_ERROR
+        }
+    }
+
+    private fun launchPromptActivity() {
+        val intent = Intent(applicationContext, BmlTapToPayActivity::class.java).apply {
+            flags = Intent.FLAG_ACTIVITY_NEW_TASK
+        }
+        startActivity(intent)
+    }
+
+    private fun handleGpo(): ByteArray {
+        gpoSent = true
+        // AIP=0080 (mag-stripe mode), AFL=08010100 (SFI=1, record 1-1, offline 0)
+        val miscData = "008008010100"
+        val body = tlv("80", miscData)
+        return hexToBytes(body + SW_OK_HEX)
+    }
+
+    private fun handleReadRecord(): ByteArray {
+        val token = activeToken ?: return SW_UNKNOWN_ERROR
+        val track2 = buildTrack2(token)
+        val body = tlv("70", tlv("57", track2))
+        val response = hexToBytes(body + SW_OK_HEX)
+        onTransactionComplete?.invoke(true)
+        return response
+    }
+
+    // ── TLV / APDU response builders ───────────────────────────────────────────
+
+    private fun buildSelectPpseResponse(aid: String, label: String, priority: String): String {
+        val priorityTlv  = tlv("87", priority)                  // tag 87
+        val aidTlv       = tlv("4F", aid)                       // tag 4F  (ADF Name)
+        val appEntry     = tlv("61", aidTlv + priorityTlv)       // tag 61
+        val ppseTlv      = tlv("84", PPSE_HEX)                  // tag 84  (DF Name)
+        val inner        = tlv("BF0C", appEntry)                 // tag BF0C
+        val propTemplate = tlv("A5", inner)                      // tag A5
+        val fci          = tlv("6F", ppseTlv + propTemplate)     // tag 6F
+        return fci + SW_OK_HEX
+    }
+
+    private fun buildSelectAidResponse(aid: String, label: String): String {
+        val aidTlv      = tlv("84", aid)                                        // tag 84
+        val labelTlv    = tlv("50", asciiToHex(label))                          // tag 50
+        val pdolTlv     = tlv("9F38", "9F6602")                                 // PDOL: TTQ 2 bytes
+        val propTemplate = tlv("A5", labelTlv + pdolTlv)                         // tag A5
+        val fci         = tlv("6F", aidTlv + propTemplate)                      // tag 6F
+        return fci + SW_OK_HEX
+    }
+
+    private fun buildTrack2(token: BmlWalletToken): String {
+        var t2 = "${token.token}D${token.expiry}${token.serviceCode}${token.data}"
+        if (t2.length % 2 != 0) t2 += "F"
+        return t2
+    }
+
+    // ── Helpers ─────────────────────────────────────────────────────────────────
+
+    /** Build BER-TLV: tag (hex string, 1 or 2 bytes) + DER length + data (hex string). */
+    private fun tlv(tagHex: String, dataHex: String): String {
+        val lenBytes = dataHex.length / 2
+        val lenHex = when {
+            lenBytes <= 0x7F -> lenBytes.toHexByte()
+            lenBytes <= 0xFF -> "81" + lenBytes.toHexByte()
+            else             -> "82" + (lenBytes shr 8).toHexByte() + (lenBytes and 0xFF).toHexByte()
+        }
+        return tagHex + lenHex + dataHex
+    }
+
+    private fun Int.toHexByte(): String = toString(16).padStart(2, '0').uppercase()
+
+    private fun asciiToHex(s: String): String =
+        s.toByteArray(Charsets.US_ASCII).joinToString("") { "%02X".format(it) }
+
+    private fun hexToBytes(hex: String): ByteArray {
+        val s = hex.uppercase()
+        return ByteArray(s.length / 2) { i ->
+            s.substring(i * 2, i * 2 + 2).toInt(16).toByte()
+        }
+    }
+
+    // ── APDU parser ─────────────────────────────────────────────────────────────
+
+    private inner class Apdu(raw: ByteArray) {
+        val isError: Boolean
+        val ins: Int
+        val data: ByteArray?
+
+        init {
+            if (raw.size < 5) {
+                isError = true; ins = -1; data = null
+            } else {
+                isError = false
+                ins = raw[1].toInt() and 0xFF
+                val lc = if (raw.size > 4) raw[4].toInt() and 0xFF else 0
+                data = if (lc > 0 && raw.size >= 5 + lc) raw.copyOfRange(5, 5 + lc) else null
+            }
+        }
+
+        fun errorResponse() = SW_UNKNOWN_ERROR
+    }
+
+    companion object {
+        private const val TAG = "BmlHCE"
+
+        private const val INS_SELECT = 0xA4
+        private const val INS_GPO    = 0xA8
+        private const val INS_READ   = 0xB2
+
+        private val PPSE_HEX   = "325041592E5359532E4444463031"   // "2PAY.SYS.DDF01"
+        private val PPSE_BYTES = byteArrayOf(
+            0x32,0x50,0x41,0x59,0x2E,0x53,0x59,0x53,0x2E,0x44,0x44,0x46,0x30,0x31
+        )
+
+        private const val SW_OK_HEX          = "9000"
+        private val SW_UNKNOWN_ERROR         = byteArrayOf(0x6F.toByte(), 0x00.toByte())
+        private val SW_INS_NOT_SUPPORTED     = byteArrayOf(0x6D.toByte(), 0x00.toByte())
+
+        @Volatile var activeToken: BmlWalletToken? = null
+        @Volatile var onTransactionComplete: ((success: Boolean) -> Unit)? = null
+
+        fun setToken(token: BmlWalletToken) { activeToken = token }
+        fun clearToken() { activeToken = null }
+
+        fun applicationLabel(aidHex: String): String = when {
+            aidHex.startsWith("A0000000031010", ignoreCase = true) -> "VISA"
+            aidHex.startsWith("A0000000041010", ignoreCase = true) -> "MASTERCARD"
+            aidHex.startsWith("A000000025",     ignoreCase = true) -> "AMEX"
+            else -> "BML"
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/nfc/BmlTapToPayActivity.kt

@@ -0,0 +1,20 @@
+package sh.sar.basedbank.nfc
+
+import android.content.Intent
+import android.os.Bundle
+import androidx.appcompat.app.AppCompatActivity
+import sh.sar.basedbank.MainActivity
+
+/**
+ * Fallback entry point — redirects to MainActivity which routes to the in-app tap-to-pay screen.
+ */
+class BmlTapToPayActivity : AppCompatActivity() {
+    override fun onCreate(savedInstanceState: Bundle?) {
+        super.onCreate(savedInstanceState)
+        startActivity(Intent(this, MainActivity::class.java).apply {
+            action = "sh.sar.basedbank.TAP_TO_PAY"
+            flags = Intent.FLAG_ACTIVITY_NEW_TASK or Intent.FLAG_ACTIVITY_CLEAR_TASK
+        })
+        finish()
+    }
+}

app/src/main/java/sh/sar/basedbank/service/NotificationPollingService.kt

@@ -0,0 +1,174 @@
+package sh.sar.basedbank.service
+
+import android.app.Notification
+import android.app.NotificationChannel
+import android.app.NotificationManager
+import android.app.PendingIntent
+import android.app.Service
+import android.content.Intent
+import android.os.IBinder
+import kotlinx.coroutines.CoroutineScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.SupervisorJob
+import kotlinx.coroutines.cancel
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.isActive
+import kotlinx.coroutines.launch
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlNotificationsClient
+import sh.sar.basedbank.api.mib.MibActivityHistoryClient
+import sh.sar.basedbank.ui.home.AppNotification
+import sh.sar.basedbank.util.NotificationsCache
+import java.util.concurrent.atomic.AtomicInteger
+
+class NotificationPollingService : Service() {
+
+    private val scope = CoroutineScope(Dispatchers.IO + SupervisorJob())
+    private val app get() = application as BasedBankApp
+    private val notifIdCounter = AtomicInteger(2000)
+
+    override fun onBind(intent: Intent?): IBinder? = null
+
+    override fun onCreate() {
+        super.onCreate()
+        createChannels()
+        startForeground(SERVICE_NOTIF_ID, buildServiceNotification())
+        startPolling()
+    }
+
+    override fun onStartCommand(intent: Intent?, flags: Int, startId: Int): Int = START_STICKY
+
+    override fun onDestroy() {
+        scope.cancel()
+        super.onDestroy()
+    }
+
+    private fun startPolling() {
+        scope.launch {
+            while (isActive) {
+                runCatching { poll() }
+                delay(POLL_INTERVAL_MS)
+            }
+        }
+    }
+
+    private suspend fun poll() {
+        pollBml()
+        pollMib()
+    }
+
+    private suspend fun pollBml() {
+        val sessions = app.bmlSessions.toMap()
+        if (sessions.isEmpty()) return
+        val client = BmlNotificationsClient()
+        sessions.forEach { (loginId, session) ->
+            val result = try { client.fetchNotifications(session, loginId, page = 1) }
+                         catch (_: Exception) { return@forEach }
+            if (result.items.isEmpty()) return@forEach
+
+            val cached = NotificationsCache.loadBml(this@NotificationPollingService, loginId)
+            if (cached.isEmpty()) {
+                NotificationsCache.saveBml(this@NotificationPollingService, loginId, result.items)
+                return@forEach
+            }
+            val cachedIds = cached.map { it.id }.toSet()
+            val newItems = result.items.filter { it.id !in cachedIds }
+            if (newItems.isNotEmpty()) {
+                NotificationsCache.saveBml(this@NotificationPollingService, loginId, result.items)
+                val channelId = ensureLoginChannel("BML", loginId)
+                newItems.forEach { postBankNotification(it, channelId) }
+            }
+        }
+    }
+
+    private suspend fun pollMib() {
+        val sessions = app.mibSessions.toMap()
+        if (sessions.isEmpty()) return
+        val client = MibActivityHistoryClient()
+        sessions.forEach { (loginId, session) ->
+            val result = try { client.fetchActivity(session, loginId, 1, 100) }
+                         catch (_: Exception) { return@forEach }
+
+            val readIds = NotificationsCache.getMibReadIds(this@NotificationPollingService)
+            val cached = NotificationsCache.loadMib(this@NotificationPollingService, loginId, readIds)
+            if (cached.isEmpty()) {
+                NotificationsCache.saveMib(this@NotificationPollingService, loginId, result.items)
+                return@forEach
+            }
+            val cachedIds = cached.map { it.id }.toSet()
+            val newItems = result.items.filter { it.id !in cachedIds }
+            if (newItems.isNotEmpty()) {
+                val all = (cached + newItems).sortedByDescending { it.timestampMs }
+                NotificationsCache.saveMib(this@NotificationPollingService, loginId, all)
+                val channelId = ensureLoginChannel("MIB", loginId)
+                newItems.forEach { postBankNotification(it, channelId) }
+            }
+        }
+    }
+
+    private fun ensureLoginChannel(bank: String, loginId: String): String {
+        val channelId = "bank_${bank.lowercase()}_$loginId"
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        if (nm.getNotificationChannel(channelId) == null) {
+            val profileName = when (bank) {
+                "BML" -> app.bmlProfilesMap[loginId]?.firstOrNull()?.name
+                "MIB" -> app.mibProfilesMap[loginId]?.firstOrNull()?.name
+                else  -> null
+            } ?: loginId
+            nm.createNotificationChannel(
+                NotificationChannel(channelId, "$bank · $profileName", NotificationManager.IMPORTANCE_DEFAULT)
+            )
+        }
+        return channelId
+    }
+
+    private fun postBankNotification(notif: AppNotification, channelId: String) {
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        val pi = PendingIntent.getActivity(
+            this, 0,
+            packageManager.getLaunchIntentForPackage(packageName),
+            PendingIntent.FLAG_IMMUTABLE
+        )
+        val n = Notification.Builder(this, channelId)
+            .setSmallIcon(R.drawable.ic_bell)
+            .setContentTitle(notif.title)
+            .setContentText(notif.message)
+            .setContentIntent(pi)
+            .setAutoCancel(true)
+            .build()
+        nm.notify(notifIdCounter.getAndIncrement(), n)
+    }
+
+    private fun buildServiceNotification(): Notification {
+        val pi = PendingIntent.getActivity(
+            this, 0,
+            packageManager.getLaunchIntentForPackage(packageName),
+            PendingIntent.FLAG_IMMUTABLE
+        )
+        return Notification.Builder(this, CHANNEL_SERVICE)
+            .setSmallIcon(R.drawable.ic_bell)
+            .setContentTitle(getString(R.string.notif_service_title))
+            .setContentText(getString(R.string.notif_service_desc))
+            .setContentIntent(pi)
+            .setOngoing(true)
+            .build()
+    }
+
+    private fun createChannels() {
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        nm.createNotificationChannel(
+            NotificationChannel(
+                CHANNEL_SERVICE,
+                getString(R.string.notif_channel_service),
+                NotificationManager.IMPORTANCE_MIN
+            ).apply { setShowBadge(false) }
+        )
+    }
+
+    companion object {
+        private const val POLL_INTERVAL_MS = 30_000L
+        private const val SERVICE_NOTIF_ID = 1001
+        const val CHANNEL_SERVICE = "notif_polling_service"
+    }
+}

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

@@ -27,9 +27,10 @@ class AccountHistoryAdapter(
 
     private sealed class Item {
         data class DateHeader(val label: String) : Item()
-        data class Trx(val transaction: BankTransaction) : Item()
+        data class Trx(val transaction: BankTransaction, val showDate: Boolean = false) : Item()
     }
 
+    private val pendingItems = mutableListOf<Item>()
     private val displayItems = mutableListOf<Item>()
     private var lastInsertedDateKey = ""
     private val imageCache = mutableMapOf<String, Bitmap>()
@@ -37,15 +38,22 @@ class AccountHistoryAdapter(
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
     var onTransferClick: ((BankAccount) -> Unit)? = null
+    var onDefaultToggle: ((Boolean) -> Unit)? = null
     private var hideAmounts: Boolean = false
+    var showDefaultToggle: Boolean = false
+        set(value) { if (field == value) return; field = value; notifyItemChanged(0) }
+    var isDefaultAccount: Boolean = false
+        set(value) { if (field == value) return; field = value; notifyItemChanged(0) }
 
     fun setHideAmounts(hide: Boolean) {
         if (hideAmounts == hide) return
         hideAmounts = hide
         notifyItemChanged(0) // refresh header card
-        // refresh all transaction rows
+        for (i in pendingItems.indices) {
+            if (pendingItems[i] is Item.Trx) notifyItemChanged(i + 1)
+        }
         for (i in displayItems.indices) {
-            if (displayItems[i] is Item.Trx) notifyItemChanged(i + 1)
+            if (displayItems[i] is Item.Trx) notifyItemChanged(1 + pendingItems.size + i)
         }
     }
 
@@ -53,7 +61,7 @@ class AccountHistoryAdapter(
         imageCache[counterpartyName] = bitmap
         displayItems.forEachIndexed { i, item ->
             if (item is Item.Trx && item.transaction.counterpartyName == counterpartyName)
-                notifyItemChanged(i + 1)  // +1 for account header at position 0
+                notifyItemChanged(1 + pendingItems.size + i)
         }
     }
 
@@ -61,10 +69,28 @@ class AccountHistoryAdapter(
         iconUrlCache[url] = bitmap
         displayItems.forEachIndexed { i, item ->
             if (item is Item.Trx && item.transaction.iconUrl == url)
-                notifyItemChanged(i + 1)  // +1 for account header at position 0
+                notifyItemChanged(1 + pendingItems.size + i)
         }
     }
 
+    fun setPendingTransactions(transactions: List<BankTransaction>) {
+        setLeadingSections(listOf("Pending" to transactions))
+    }
+
+    /**
+     * Sets one or more labeled sections that render above the main statement list
+     * (e.g. card "Outstanding" + "Unbilled"). Empty sections are skipped.
+     */
+    fun setLeadingSections(sections: List<Pair<String, List<BankTransaction>>>) {
+        pendingItems.clear()
+        for ((label, transactions) in sections) {
+            if (transactions.isEmpty()) continue
+            pendingItems.add(Item.DateHeader(label))
+            for (trx in transactions) pendingItems.add(Item.Trx(trx, showDate = true))
+        }
+        notifyDataSetChanged()
+    }
+
     private var _showLoadingFooter = false
     var showLoadingFooter: Boolean
         get() = _showLoadingFooter
@@ -122,18 +148,24 @@ class AccountHistoryAdapter(
             displayItems.add(Item.Trx(trx))
         }
         val added = displayItems.size - oldCount
-        if (added > 0) notifyItemRangeInserted(1 + oldCount, added)  // +1 for account header
+        if (added > 0) notifyItemRangeInserted(1 + pendingItems.size + oldCount, added)
     }
 
     // Position 0 = account header card
-    // Positions 1..displayItems.size = date headers + transactions
+    // Positions 1..pendingItems.size = pending header + pending transactions
+    // Positions 1+pendingItems.size..1+pendingItems.size+displayItems.size = date headers + transactions
     // Last position = loading footer when showLoadingFooter = true
-    override fun getItemCount() = 1 + displayItems.size + if (_showLoadingFooter) 1 else 0
+    override fun getItemCount() = 1 + pendingItems.size + displayItems.size + if (_showLoadingFooter) 1 else 0
+
+    private fun itemAt(position: Int): Item {
+        val idx = position - 1
+        return if (idx < pendingItems.size) pendingItems[idx] else displayItems[idx - pendingItems.size]
+    }
 
     override fun getItemViewType(position: Int) = when {
         position == 0 -> TYPE_HEADER
         _showLoadingFooter && position == itemCount - 1 -> TYPE_LOADING
-        else -> when (displayItems[position - 1]) {
+        else -> when (itemAt(position)) {
             is Item.DateHeader -> TYPE_DATE_HEADER
             is Item.Trx -> TYPE_TRANSACTION
         }
@@ -152,8 +184,11 @@ class AccountHistoryAdapter(
     override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
         when (holder) {
             is HeaderVH -> holder.bind(display)
-            is DateHeaderVH -> holder.bind((displayItems[position - 1] as Item.DateHeader).label)
-            is TransactionVH -> holder.bind((displayItems[position - 1] as Item.Trx).transaction)
+            is DateHeaderVH -> holder.bind((itemAt(position) as Item.DateHeader).label)
+            is TransactionVH -> {
+                val item = itemAt(position) as Item.Trx
+                holder.bind(item.transaction, item.showDate)
+            }
             else -> Unit
         }
     }
@@ -174,6 +209,20 @@ class AccountHistoryAdapter(
                 b.llHeaderBlocked.visibility = View.GONE
             }
             b.btnHeaderTransfer.setOnClickListener { onTransferClick?.invoke(account) }
+
+            if (showDefaultToggle) {
+                b.dividerDefaultAccount.visibility = View.VISIBLE
+                b.llDefaultAccountRow.visibility = View.VISIBLE
+                b.switchDefaultAccount.setOnCheckedChangeListener(null)
+                b.switchDefaultAccount.isChecked = isDefaultAccount
+                b.switchDefaultAccount.setOnCheckedChangeListener { _, checked ->
+                    isDefaultAccount = checked
+                    onDefaultToggle?.invoke(checked)
+                }
+            } else {
+                b.dividerDefaultAccount.visibility = View.GONE
+                b.llDefaultAccountRow.visibility = View.GONE
+            }
         }
     }
 
@@ -184,7 +233,7 @@ class AccountHistoryAdapter(
 
     inner class TransactionVH(private val b: ItemTransactionBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(trx: BankTransaction) {
+        fun bind(trx: BankTransaction, showDate: Boolean = false) {
             val isCredit = trx.amount >= 0
             val color = sourceColor(trx.source)
             val name = trx.counterpartyName ?: trx.description
@@ -220,7 +269,7 @@ class AccountHistoryAdapter(
                 b.tvCounterparty.visibility = View.GONE
             }
 
-            b.tvDate.text = formatTime(trx.date)
+            b.tvDate.text = if (showDate) formatDateOnly(trx.date) else formatTime(trx.date)
 
             if (hideAmounts) {
                 b.tvAmount.text = "${trx.currency} ••••••"
@@ -267,6 +316,7 @@ class AccountHistoryAdapter(
         private val MIB_FMT = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
         private val BML_FMT = SimpleDateFormat("yyyy-MM-dd'T'HH:mm:ssXXX", Locale.US)
         private val DATE_HEADER_FMT = SimpleDateFormat("MMMM d, yyyy", Locale.getDefault())
+        private val DATE_ONLY_FMT = SimpleDateFormat("MMM d, yyyy", Locale.getDefault())
         private val TIME_FMT = SimpleDateFormat("h:mm a", Locale.getDefault())
         private val FULL_DATE_FMT = SimpleDateFormat("MMM d, yyyy · h:mm a", Locale.getDefault())
 
@@ -288,6 +338,11 @@ class AccountHistoryAdapter(
             return DATE_HEADER_FMT.format(date)
         }
 
+        fun formatDateOnly(raw: String): String {
+            val date = parseDate(raw) ?: return raw.take(10)
+            return DATE_ONLY_FMT.format(date)
+        }
+
         fun formatTime(raw: String): String {
             val date = parseDate(raw) ?: return ""
             return TIME_FMT.format(date)

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

@@ -24,12 +24,15 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.models.BankTransaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentAccountHistoryBinding
 import sh.sar.basedbank.util.AccountHistoryParser
+import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.HistoryFetcher
 import sh.sar.basedbank.util.MerchantIconCache
 
@@ -80,6 +83,23 @@ class AccountHistoryFragment : Fragment() {
         }
         adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
         viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+
+        // Show default account toggle only for non-card accounts
+        val isCard = AccountListParser.from(account)?.isCard ?: false
+        if (!isCard) {
+            val store = CredentialStore(requireContext())
+            adapter.showDefaultToggle = true
+            adapter.isDefaultAccount = store.getDefaultAccountNumber() == account.accountNumber
+            adapter.onDefaultToggle = { isChecked ->
+                if (isChecked) {
+                    store.setDefaultAccountNumber(account.accountNumber)
+                } else {
+                    if (store.getDefaultAccountNumber() == account.accountNumber) {
+                        store.setDefaultAccountNumber(null)
+                    }
+                }
+            }
+        }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
@@ -119,6 +139,7 @@ class AccountHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPage()
+        loadPendingTransactions()
 
         binding.swipeRefresh.setOnRefreshListener {
             if (isLoading) {
@@ -131,7 +152,12 @@ class AccountHistoryFragment : Fragment() {
 
     override fun onResume() {
         super.onResume()
-        if (::account.isInitialized) requireActivity().title = account.accountBriefName
+        if (::account.isInitialized) {
+            requireActivity().title = account.accountBriefName
+            if (adapter.showDefaultToggle) {
+                adapter.isDefaultAccount = CredentialStore(requireContext()).getDefaultAccountNumber() == account.accountNumber
+            }
+        }
     }
 
     private fun filterAndDisplay() {
@@ -160,6 +186,7 @@ class AccountHistoryFragment : Fragment() {
             binding.emptyView.visibility = View.GONE
         }
         loadNextPage()
+        loadPendingTransactions()
     }
 
     private fun loadNextPage() {
@@ -201,6 +228,13 @@ class AccountHistoryFragment : Fragment() {
             }
             (activity as? HomeActivity)?.hideConnectivityBanner()
 
+            fetcher.takeCardPendingSections()?.let { (outstanding, unbilled) ->
+                adapter.setLeadingSections(listOf(
+                    "Outstanding" to outstanding,
+                    "Unbilled" to unbilled
+                ))
+            }
+
             if (transactions.isNotEmpty()) {
                 val existingIds = allTransactions.map { it.id }.toHashSet()
                 val newOnes = transactions.filter { it.id !in existingIds }
@@ -226,6 +260,26 @@ class AccountHistoryFragment : Fragment() {
         }
     }
 
+    private fun loadPendingTransactions() {
+        if (account.bank != "BML" || account.profileType != "BML") return
+        val app = requireActivity().application as BasedBankApp
+        val session = app.bmlSessionFor(account) ?: return
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val pending = withContext(Dispatchers.IO) {
+                    BmlHistoryClient().fetchPendingHistory(
+                        session            = session,
+                        accountId          = account.internalId,
+                        accountDisplayName = account.accountBriefName,
+                        accountNumber      = account.accountNumber
+                    )
+                }
+                if (_binding == null) return@launch
+                adapter.setPendingTransactions(pending)
+            } catch (_: Exception) { }
+        }
+    }
+
     private fun loadContactImage(name: String) {
         if (!pendingImageNames.add(name)) return
         val contact = viewModel.contacts.value?.firstOrNull { it.benefNickName == name } ?: return

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

@@ -89,6 +89,52 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
             categories = cats.filter { it.id != "BML" }
             if (selectedDest?.isBml == false) setupCategoryDropdown()
         }
+
+        applyPrefillArgs()
+    }
+
+    private fun applyPrefillArgs() {
+        val args = arguments ?: return
+        val bmlProfileId = args.getString(ARG_BML_PROFILE_ID)
+        val accountNumber = args.getString(ARG_ACCOUNT_NUMBER)
+        val recipientName = args.getString(ARG_RECIPIENT_NAME)
+        val currency = args.getString(ARG_CURRENCY)
+
+        if (bmlProfileId != null) {
+            val match = destinations.firstOrNull { it.isBml && it.bmlLoginId == bmlProfileId }
+            if (match != null) {
+                selectedDest = match
+                binding.actvDestination.setText(match.label, false)
+                updateMibOnlyVisibility()
+            }
+        }
+
+        if (accountNumber != null) {
+            binding.etAccount.setText(accountNumber)
+        }
+
+        // Skip lookup only when we have a MIB-verified name+currency from the caller.
+        if (selectedDest != null && accountNumber != null &&
+            !recipientName.isNullOrBlank() && !currency.isNullOrBlank()
+        ) {
+            val bankBic = when {
+                accountNumber.matches(Regex("^9\\d{16}$")) -> "MADVMVMV"
+                accountNumber.matches(Regex("^7\\d{12}$")) -> "MALBMVMV"
+                else -> ""
+            }
+            val trnType = if (accountNumber.matches(Regex("^9\\d{16}$"))) "DOT" else "IAT"
+            val validation = BmlAccountValidation(
+                trnType = trnType,
+                validationType = "prefilled",
+                account = accountNumber,
+                originalInput = accountNumber,
+                name = recipientName,
+                alias = null,
+                currency = currency,
+                agnt = bankBic.takeIf { it.isNotBlank() }
+            )
+            showLookupResult(validation, accountNumber)
+        }
     }
 
     private fun buildDestinations(): List<DestinationOption> {
@@ -517,5 +563,24 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     companion object {
         // BML's internal UUID for MIB bank — used as the "swift" field when saving DOT contacts
         private const val MIB_SWIFT_ON_BML = "F4E79935-3E73-E611-80DD-00155D020F0A"
+
+        private const val ARG_BML_PROFILE_ID = "bml_profile_id"
+        private const val ARG_ACCOUNT_NUMBER = "account_number"
+        private const val ARG_RECIPIENT_NAME = "recipient_name"
+        private const val ARG_CURRENCY = "currency"
+
+        fun newInstance(
+            bmlProfileId: String? = null,
+            accountNumber: String? = null,
+            recipientName: String? = null,
+            currency: String? = null
+        ) = AddContactSheetFragment().apply {
+            arguments = Bundle().apply {
+                if (bmlProfileId != null) putString(ARG_BML_PROFILE_ID, bmlProfileId)
+                if (accountNumber != null) putString(ARG_ACCOUNT_NUMBER, accountNumber)
+                if (recipientName != null) putString(ARG_RECIPIENT_NAME, recipientName)
+                if (currency != null) putString(ARG_CURRENCY, currency)
+            }
+        }
     }
 }

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

@@ -0,0 +1,13 @@
+package sh.sar.basedbank.ui.home
+
+data class AppNotification(
+    val id: String,
+    val bank: String,      // "BML" or "MIB"
+    val loginId: String,   // key in bmlSessions / mibSessions
+    val group: String,     // "ALERTS" or "INFORMATION"
+    val title: String,
+    val message: String,
+    val timestampMs: Long,
+    val isRead: Boolean,
+    val detailFields: List<Pair<String, String>> = emptyList()
+)

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

@@ -33,6 +33,8 @@ import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentBmlQrPayBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
 import sh.sar.basedbank.util.Totp
 
 class BmlQrPayFragment : Fragment() {
@@ -150,6 +152,19 @@ class BmlQrPayFragment : Fragment() {
                 return@launch
             }
             merchantInfo = info
+            if (info.amount == 0.0) {
+                val qrUrl = arguments?.getString(ARG_QR_URL)
+                if (qrUrl != null) {
+                    RecentsCache.save(requireContext(), RecentPick(
+                        accountNumber = "bmlqr:$qrUrl",
+                        displayName   = info.merchantName,
+                        subtitle      = info.merchantAddress.ifBlank { "BML Merchant" },
+                        colorHex      = "#0066A1",
+                        imageHash     = null,
+                        isProfileImage = false
+                    ))
+                }
+            }
             populateMerchant(info)
         }
     }
@@ -315,6 +330,7 @@ class BmlQrPayFragment : Fragment() {
             .setTitle(R.string.bml_qr_payment_success)
             .setView(container)
             .setPositiveButton(android.R.string.ok) { _, _ ->
+                (activity as? HomeActivity)?.triggerRefresh()
                 requireActivity().onBackPressedDispatcher.onBackPressed()
             }
             .setCancelable(false)

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

@@ -0,0 +1,561 @@
+package sh.sar.basedbank.ui.home
+
+import android.animation.ValueAnimator
+import android.content.Context
+import android.graphics.*
+import android.os.Bundle
+import android.os.VibrationEffect
+import android.os.Vibrator
+import android.util.AttributeSet
+import android.util.TypedValue
+import android.view.*
+import android.view.animation.DecelerateInterpolator
+import android.view.animation.LinearInterpolator
+import android.animation.AnimatorListenerAdapter
+import android.animation.Animator
+import android.widget.FrameLayout
+import android.graphics.Typeface
+import androidx.annotation.DrawableRes
+import androidx.appcompat.content.res.AppCompatResources
+import androidx.appcompat.widget.Toolbar
+import androidx.core.graphics.drawable.DrawableCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import com.google.android.material.color.MaterialColors
+import sh.sar.basedbank.R
+import kotlin.math.*
+
+class CircularNavFragment : Fragment() {
+
+    private var wheelView: CircularWheelView? = null
+
+    override fun onCreateView(
+        inflater: LayoutInflater,
+        container: ViewGroup?,
+        savedInstanceState: Bundle?
+    ): View {
+        val ctx = requireContext()
+        val colorPrimary   = MaterialColors.getColor(ctx, com.google.android.material.R.attr.colorPrimary,   Color.RED)
+        val colorSurface   = MaterialColors.getColor(ctx, com.google.android.material.R.attr.colorSurface,   Color.WHITE)
+        val colorOnSurface = MaterialColors.getColor(ctx, com.google.android.material.R.attr.colorOnSurface, Color.DKGRAY)
+
+        fun dp(v: Float) = TypedValue.applyDimension(TypedValue.COMPLEX_UNIT_DIP, v, ctx.resources.displayMetrics)
+
+        val root = android.widget.LinearLayout(ctx).apply {
+            orientation = android.widget.LinearLayout.VERTICAL
+            setBackgroundColor(colorSurface)
+            layoutParams = ViewGroup.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.MATCH_PARENT)
+        }
+
+        // Wheel area (weight 1, fills remaining space)
+        val wheelContainer = FrameLayout(ctx).apply {
+            layoutParams = android.widget.LinearLayout.LayoutParams(
+                android.widget.LinearLayout.LayoutParams.MATCH_PARENT, 0, 1f
+            )
+        }
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        wheelView = CircularWheelView(ctx).apply {
+            layoutParams = FrameLayout.LayoutParams(FrameLayout.LayoutParams.MATCH_PARENT, FrameLayout.LayoutParams.MATCH_PARENT)
+            wheelAngle = prefs.getFloat("circular_wheel_angle", 0f)
+            val savedSlots = NavCustomization.getCircularSlots(prefs).map { id ->
+                val def = NavCustomization.ALL_SWAPPABLE.find { it.id == id }!!
+                CircularWheelView.WheelItem(def.id, def.iconRes, ctx.getString(def.titleRes))
+            }
+            items = listOf(
+                savedSlots[3], // 4 o'clock (strip slot 3)
+                CircularWheelView.WheelItem(R.id.nav_dashboard, R.drawable.ic_nav_dashboard, ctx.getString(R.string.nav_dashboard)), // 6 o'clock
+                CircularWheelView.WheelItem(R.id.nav_more, R.drawable.ic_nav_more, ctx.getString(R.string.nav_more)), // 8 o'clock
+                savedSlots[0], // 10 o'clock (strip slot 0 — first in strip)
+                savedSlots[1], // 12 o'clock (strip slot 1)
+                savedSlots[2], // 2 o'clock  (strip slot 2)
+            )
+            accentColor   = colorPrimary
+            surfaceColor  = colorSurface
+            labelColor    = colorOnSurface
+            onItemClick          = { navId -> (activity as? HomeActivity)?.navigateTo(navId) }
+            onCenterClick        = { /* unused: tap on unlocked center locks the wheel */ }
+            onWheelCenterLockedTap = { (activity as? HomeActivity)?.notifyWheelLockTap() }
+        }
+        wheelContainer.addView(wheelView)
+
+        // App icon centered at the bottom
+        val iconSz = dp(48f).toInt()
+        val footerIcon = android.widget.ImageView(ctx).apply {
+            setImageDrawable(ctx.packageManager.getApplicationIcon(ctx.packageName))
+            layoutParams = android.widget.LinearLayout.LayoutParams(iconSz, iconSz).also {
+                it.gravity = Gravity.CENTER_HORIZONTAL
+                it.topMargin = dp(12f).toInt()
+                it.bottomMargin = dp(16f).toInt()
+            }
+        }
+
+        root.addView(wheelContainer)
+        root.addView(footerIcon)
+
+        ViewCompat.setOnApplyWindowInsetsListener(root) { _, insets ->
+            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            (footerIcon.layoutParams as android.widget.LinearLayout.LayoutParams).bottomMargin = dp(16f).toInt() + bars.bottom
+            footerIcon.requestLayout()
+            insets
+        }
+
+        return root
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().invalidateOptionsMenu()
+        val ctx = requireContext()
+        val toolbar = requireActivity().findViewById<com.google.android.material.appbar.MaterialToolbar>(R.id.toolbar)
+        requireActivity().title = ""
+
+        val textColor = MaterialColors.getColor(ctx, com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.DKGRAY)
+
+        val container = android.widget.TextView(ctx).apply {
+            text = getString(R.string.app_name)
+            setTextColor(textColor)
+            textSize = 20f
+            typeface = Typeface.DEFAULT_BOLD
+            tag = "wheel_title"
+        }
+
+        toolbar.addView(container, Toolbar.LayoutParams(
+            Toolbar.LayoutParams.WRAP_CONTENT,
+            Toolbar.LayoutParams.WRAP_CONTENT,
+            Gravity.CENTER
+        ))
+    }
+
+    override fun onPause() {
+        super.onPause()
+        wheelView?.let { wv ->
+            requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .edit().putFloat("circular_wheel_angle", wv.wheelAngle).apply()
+        }
+        val toolbar = requireActivity().findViewById<com.google.android.material.appbar.MaterialToolbar>(R.id.toolbar)
+        toolbar.findViewWithTag<android.view.View>("wheel_title")?.let { toolbar.removeView(it) }
+        requireActivity().invalidateOptionsMenu()
+    }
+
+    fun unlockWheelLock() {
+        wheelView?.unlockWheel()
+    }
+}
+
+// ---------------------------------------------------------------------------
+// Custom wheel view
+// ---------------------------------------------------------------------------
+
+class CircularWheelView @JvmOverloads constructor(
+    context: Context,
+    attrs: AttributeSet? = null
+) : View(context, attrs) {
+
+    data class WheelItem(
+        val navId: Int,
+        @DrawableRes val iconRes: Int,
+        val label: String
+    )
+
+    // ---- public properties ------------------------------------------------
+
+    var items: List<WheelItem> = emptyList()
+        set(value) {
+            field = value
+            iconBitmaps = arrayOfNulls(value.size)
+            if (cx > 0f) reloadBitmaps()
+            invalidate()
+        }
+
+    var accentColor: Int = Color.RED
+        set(value) { field = value; if (cx > 0f) reloadBitmaps(); invalidate() }
+
+    var surfaceColor: Int = Color.WHITE
+        set(value) { field = value; invalidate() }
+
+    var labelColor: Int = Color.DKGRAY
+        set(value) { field = value; invalidate() }
+
+    var isWheelLocked = false
+        set(value) { field = value; invalidate() }
+
+    var onItemClick: ((Int) -> Unit)? = null
+    var onCenterClick: (() -> Unit)? = null
+    var onWheelCenterLockedTap: (() -> Unit)? = null
+
+    // ---- geometry ---------------------------------------------------------
+
+    private var cx = 0f
+    private var cy = 0f
+    private var outerRadius = 0f
+    private var innerRadius = 0f
+
+    // ---- paint ------------------------------------------------------------
+
+    private val discPaint        = Paint(Paint.ANTI_ALIAS_FLAG)
+    private val accentRingPaint  = Paint(Paint.ANTI_ALIAS_FLAG).apply { style = Paint.Style.STROKE }
+    private val accentRing2Paint = Paint(Paint.ANTI_ALIAS_FLAG).apply { style = Paint.Style.STROKE }
+    private val dividerPaint    = Paint(Paint.ANTI_ALIAS_FLAG).apply { style = Paint.Style.STROKE }
+    private val textPaint       = Paint(Paint.ANTI_ALIAS_FLAG).apply {
+        textAlign = Paint.Align.CENTER
+        typeface  = Typeface.DEFAULT_BOLD
+    }
+    private val centerFillPaint = Paint(Paint.ANTI_ALIAS_FLAG)
+    private val centerRingPaint = Paint(Paint.ANTI_ALIAS_FLAG).apply { style = Paint.Style.STROKE }
+    private val bitmapPaint     = Paint(Paint.ANTI_ALIAS_FLAG)
+
+    private var iconBitmaps: Array<Bitmap?> = emptyArray()
+    private var centerBitmap: Bitmap? = null
+    private var centerUnlockedBitmap: Bitmap? = null
+    private val grayFilter = ColorMatrixColorFilter(ColorMatrix().apply { setSaturation(0f) })
+    private var lockShakeAngle = 0f
+    private var shakeAnimator: ValueAnimator? = null
+
+    // ---- touch & fling ----------------------------------------------------
+
+    var wheelAngle    = 0f
+    private var isDragging    = false
+    private var snapAnimator: ValueAnimator? = null
+
+    // Incremental drag state
+    private var prevTouchAngle = 0f
+    private var touchDownX     = 0f
+    private var touchDownY     = 0f
+
+    // Velocity buffer: stores (cumulative wheel angle, timestamp) for last N samples
+    private val VEL_SAMPLES = 6
+    private val velAngles   = FloatArray(VEL_SAMPLES)
+    private val velTimes    = LongArray(VEL_SAMPLES)
+    private var velIdx      = 0
+    private var velCount    = 0
+
+    private val touchSlop = ViewConfiguration.get(context).scaledTouchSlop.toFloat()
+
+    // ---- helpers ----------------------------------------------------------
+
+    private fun dp(v: Float) = TypedValue.applyDimension(TypedValue.COMPLEX_UNIT_DIP, v, resources.displayMetrics)
+
+    // ---- sizing -----------------------------------------------------------
+
+    override fun onSizeChanged(w: Int, h: Int, oldw: Int, oldh: Int) {
+        cx = w / 2f
+        cy = h / 2f
+        val size = minOf(w, h)
+        outerRadius = size / 2f * 0.80f
+        innerRadius = outerRadius * 0.26f
+
+        textPaint.textSize           = size * 0.034f
+        dividerPaint.strokeWidth     = dp(0.7f)
+        accentRingPaint.strokeWidth  = dp(5f)
+        accentRing2Paint.strokeWidth = dp(3f)
+        centerRingPaint.strokeWidth  = dp(4f)
+
+        reloadBitmaps()
+    }
+
+    private fun reloadBitmaps() {
+        val iconPx   = (outerRadius * 0.24f).toInt().coerceAtLeast(1)
+        items.forEachIndexed { i, item ->
+            iconBitmaps[i] = tintedBitmap(item.iconRes, accentColor, iconPx)
+        }
+        val centerPx = (innerRadius * 0.64f).toInt().coerceAtLeast(1)
+        centerBitmap         = tintedBitmap(R.drawable.ic_lock,      accentColor, centerPx)
+        centerUnlockedBitmap = tintedBitmap(R.drawable.ic_lock_open, accentColor, centerPx)
+    }
+
+    private fun tintedBitmap(@DrawableRes resId: Int, tint: Int, sizePx: Int): Bitmap? {
+        if (sizePx <= 0) return null
+        return try {
+            val d = AppCompatResources.getDrawable(context, resId)!!.mutate()
+            DrawableCompat.setTint(DrawableCompat.wrap(d), tint)
+            val bmp = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+            Canvas(bmp).also { d.setBounds(0, 0, sizePx, sizePx); d.draw(it) }
+            bmp
+        } catch (_: Exception) { null }
+    }
+
+    // ---- drawing ----------------------------------------------------------
+
+    override fun onDraw(canvas: Canvas) {
+        if (items.isEmpty()) return
+
+        val segCount = items.size
+        val segDeg   = 360f / segCount
+
+        // Wheel disc
+        discPaint.color = surfaceColor
+        canvas.drawCircle(cx, cy, outerRadius, discPaint)
+
+        // Accent ring around wheel
+        accentRingPaint.color = accentColor
+        canvas.drawCircle(cx, cy, outerRadius + dp(20f), accentRingPaint)
+
+        // Rotatable layer
+        canvas.save()
+        canvas.rotate(wheelAngle, cx, cy)
+
+        // Divider lines between segments
+        dividerPaint.color = (labelColor and 0x00FFFFFF) or (100 shl 24)
+        for (i in 0 until segCount) {
+            val rad = Math.toRadians((i * segDeg).toDouble())
+            val cos = cos(rad).toFloat()
+            val sin = sin(rad).toFloat()
+            canvas.drawLine(
+                cx + cos * (innerRadius + dp(6f)), cy + sin * (innerRadius + dp(6f)),
+                cx + cos * (outerRadius - dp(12f)), cy + sin * (outerRadius - dp(12f)),
+                dividerPaint
+            )
+        }
+
+        // Segment content
+        for (i in 0 until segCount) {
+            val midDeg = i * segDeg + segDeg / 2f
+            drawSegment(canvas, i, midDeg)
+        }
+
+        canvas.restore()
+
+        // Center button — always upright
+        centerRingPaint.color = accentColor
+        canvas.drawCircle(cx, cy, innerRadius + dp(3f), centerRingPaint)
+        centerFillPaint.color = surfaceColor
+        canvas.drawCircle(cx, cy, innerRadius, centerFillPaint)
+        val activeCenterBitmap = if (isWheelLocked) centerBitmap else centerUnlockedBitmap
+        activeCenterBitmap?.let {
+            canvas.save()
+            // Shake pivots around the bottom-centre of the icon
+            if (lockShakeAngle != 0f) canvas.rotate(lockShakeAngle, cx, cy + it.height / 2f)
+            canvas.drawBitmap(it, cx - it.width / 2f, cy - it.height / 2f, bitmapPaint)
+            canvas.restore()
+        }
+    }
+
+    private fun drawSegment(canvas: Canvas, index: Int, midDeg: Float) {
+        val rad  = Math.toRadians(midDeg.toDouble())
+        val cosA = cos(rad).toFloat()
+        val sinA = sin(rad).toFloat()
+
+        val iconX = cx + cosA * (outerRadius * 0.63f)
+        val iconY = cy + sinA * (outerRadius * 0.63f)
+
+        // Icon — radially oriented; top items are naturally upside-down
+        iconBitmaps.getOrNull(index)?.let { bmp ->
+            canvas.save()
+            canvas.translate(iconX, iconY)
+            canvas.rotate(midDeg - 90f)
+            if (isWheelLocked) {
+                bitmapPaint.colorFilter = grayFilter
+                bitmapPaint.alpha = 100
+            }
+            canvas.drawBitmap(bmp, -bmp.width / 2f, -bmp.height / 2f, bitmapPaint)
+            if (isWheelLocked) {
+                bitmapPaint.colorFilter = null
+                bitmapPaint.alpha = 255
+            }
+            canvas.restore()
+        }
+
+        // Curved label — same radial orientation as icons.
+        // In the local rotated frame the wheel arc is a circle of radius `labelRadius`
+        // with its centre directly "above" at (0, -labelRadius). A CCW arc through (0,0)
+        // flows rightward at that point, matching the natural reading direction at 6 o'clock.
+        val labelRadius = outerRadius * 0.84f
+        val textX = cx + cosA * labelRadius
+        val textY = cy + sinA * labelRadius
+        val label = items[index].label
+        textPaint.color = if (isWheelLocked) (labelColor and 0x00FFFFFF) or (80 shl 24) else labelColor
+        textPaint.textAlign = Paint.Align.LEFT
+        val halfAngleDeg = Math.toDegrees((textPaint.measureText(label) / 2.0) / labelRadius).toFloat()
+        val localArcRect = RectF(-labelRadius, -2f * labelRadius, labelRadius, 0f)
+        val arcPath = Path().apply { addArc(localArcRect, 90f + halfAngleDeg, -(halfAngleDeg * 2f)) }
+        canvas.save()
+        canvas.translate(textX, textY)
+        canvas.rotate(midDeg - 90f)
+        canvas.drawTextOnPath(label, arcPath, 0f, textPaint.textSize * 0.36f, textPaint)
+        canvas.restore()
+    }
+
+    // ---- touch ------------------------------------------------------------
+
+    override fun onTouchEvent(event: MotionEvent): Boolean {
+        when (event.actionMasked) {
+            MotionEvent.ACTION_DOWN -> {
+                snapAnimator?.cancel()
+                prevTouchAngle = angleAt(event.x, event.y)
+                touchDownX     = event.x
+                touchDownY     = event.y
+                isDragging     = false
+                velIdx         = 0
+                velCount       = 0
+                recordVelSample()
+                return true
+            }
+            MotionEvent.ACTION_MOVE -> {
+                val curr = angleAt(event.x, event.y)
+                // Incremental delta — normalised to [-180, 180] to survive the ±180° wrap
+                var dA = curr - prevTouchAngle
+                if (dA > 180f)  dA -= 360f
+                if (dA < -180f) dA += 360f
+                prevTouchAngle = curr
+
+                val moved = hypot(event.x - touchDownX, event.y - touchDownY)
+                if (moved > touchSlop || isDragging) {
+                    isDragging  = true
+                    wheelAngle += dA
+                    recordVelSample()
+                    invalidate()
+                }
+            }
+            MotionEvent.ACTION_UP -> {
+                if (!isDragging) {
+                    val dist = hypot(event.x - cx, event.y - cy)
+                    when {
+                        dist <= innerRadius -> {
+                            if (isWheelLocked) {
+                                onWheelCenterLockedTap?.invoke()
+                            } else {
+                                isWheelLocked = true
+                            }
+                        }
+                        dist <= outerRadius -> {
+                            if (isWheelLocked) {
+                                val idx = segmentAt(event.x, event.y)
+                                if (idx in items.indices) animateToSixOClock(idx) {
+                                    vibrateDevice()
+                                    shakeLock()
+                                }
+                            } else {
+                                val idx = segmentAt(event.x, event.y)
+                                if (idx in items.indices) animateToSixOClock(idx) { onItemClick?.invoke(items[idx].navId) }
+                            }
+                        }
+                    }
+                } else {
+                    val vel = computeVelocity()
+                    if (abs(vel) > 0.05f) fling(vel) else snapToNearest()
+                }
+            }
+            MotionEvent.ACTION_CANCEL -> {
+                if (isDragging) {
+                    val vel = computeVelocity()
+                    if (abs(vel) > 0.05f) fling(vel) else snapToNearest()
+                }
+            }
+        }
+        return true
+    }
+
+    private fun recordVelSample() {
+        val slot = velIdx % VEL_SAMPLES
+        velAngles[slot] = wheelAngle
+        velTimes[slot]  = System.currentTimeMillis()
+        velIdx++
+        if (velCount < VEL_SAMPLES) velCount++
+    }
+
+    /** Returns angular velocity in degrees per millisecond, using the oldest available sample. */
+    private fun computeVelocity(): Float {
+        if (velCount < 2) return 0f
+        val newest = (velIdx - 1 + VEL_SAMPLES) % VEL_SAMPLES
+        // Use the sample that is ~100 ms old for a stable estimate
+        val oldest = (velIdx - velCount + VEL_SAMPLES) % VEL_SAMPLES
+        val dt = velTimes[newest] - velTimes[oldest]
+        if (dt <= 0L) return 0f
+        return (velAngles[newest] - velAngles[oldest]) / dt
+    }
+
+    /**
+     * Kick off a physics-based fling: uniform deceleration from [initialVel] to zero,
+     * then snap to the nearest segment.
+     * Formula: total_rotation = v0² / (2 * DECEL), duration = v0 / DECEL
+     * With DecelerateInterpolator(1) the initial animation velocity matches v0.
+     */
+    private fun fling(initialVel: Float) {
+        val DECEL      = 0.0008f                    // deg / ms²  — tune for feel
+        val duration   = (abs(initialVel) / DECEL).toLong().coerceIn(200, 3500)
+        val sign       = if (initialVel >= 0f) 1f else -1f
+        val totalRot   = sign * initialVel * initialVel / (2f * DECEL)
+        val startAngle = wheelAngle
+        val endAngle   = startAngle + totalRot
+
+        snapAnimator = ValueAnimator.ofFloat(startAngle, endAngle).apply {
+            this.duration = duration
+            interpolator  = DecelerateInterpolator()   // matches v0 at t=0
+            addUpdateListener { wheelAngle = it.animatedValue as Float; invalidate() }
+            addListener(object : AnimatorListenerAdapter() {
+                override fun onAnimationEnd(a: Animator) { snapToNearest() }
+            })
+            start()
+        }
+    }
+
+    private fun angleAt(x: Float, y: Float): Float =
+        Math.toDegrees(atan2((y - cy).toDouble(), (x - cx).toDouble())).toFloat()
+
+    private fun segmentAt(x: Float, y: Float): Int {
+        var a = angleAt(x, y) - wheelAngle
+        a = (a % 360f + 360f) % 360f
+        return (a / (360f / items.size)).toInt() % items.size
+    }
+
+    private fun animateToSixOClock(index: Int, onDone: () -> Unit) {
+        val segDeg = 360f / items.size.coerceAtLeast(1)
+        val midDeg = index * segDeg + segDeg / 2f
+        // delta needed so this segment's midpoint lands at 90° (6 o'clock in math coords)
+        var delta = (90f - midDeg) - wheelAngle
+        // normalise to shortest path [-180, 180]
+        delta = ((delta % 360f) + 360f) % 360f
+        if (delta > 180f) delta -= 360f
+        val endAngle = wheelAngle + delta
+
+        snapAnimator?.cancel()
+        snapAnimator = ValueAnimator.ofFloat(wheelAngle, endAngle).apply {
+            duration = 350
+            interpolator = DecelerateInterpolator()
+            addUpdateListener { wheelAngle = it.animatedValue as Float; invalidate() }
+            addListener(object : AnimatorListenerAdapter() {
+                private var cancelled = false
+                override fun onAnimationCancel(a: Animator) { cancelled = true }
+                override fun onAnimationEnd(a: Animator) { if (!cancelled) onDone() }
+            })
+            start()
+        }
+    }
+
+    private fun snapToNearest() {
+        val segDeg = 360f / items.size.coerceAtLeast(1)
+        val target = (wheelAngle / segDeg).roundToInt() * segDeg
+        snapAnimator = ValueAnimator.ofFloat(wheelAngle, target).apply {
+            duration     = 300
+            interpolator = DecelerateInterpolator()
+            addUpdateListener { wheelAngle = it.animatedValue as Float; invalidate() }
+            start()
+        }
+    }
+
+    private fun vibrateDevice() {
+        val v = context.getSystemService(Context.VIBRATOR_SERVICE) as Vibrator
+        v.vibrate(VibrationEffect.createOneShot(60, VibrationEffect.DEFAULT_AMPLITUDE))
+    }
+
+    fun shakeLock() {
+        shakeAnimator?.cancel()
+        shakeAnimator = ValueAnimator.ofFloat(0f, -18f, 18f, -12f, 12f, -6f, 6f, 0f).apply {
+            duration     = 500
+            interpolator = LinearInterpolator()
+            addUpdateListener { lockShakeAngle = it.animatedValue as Float; invalidate() }
+            addListener(object : AnimatorListenerAdapter() {
+                override fun onAnimationEnd(a: Animator) { lockShakeAngle = 0f; invalidate() }
+            })
+            start()
+        }
+    }
+
+    fun unlockWheel() {
+        isWheelLocked = false
+        lockShakeAngle = 0f
+        shakeAnimator?.cancel()
+        invalidate()
+    }
+}

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

@@ -151,7 +151,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         viewModel.accounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
         viewModel.hideAmounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
 
-        (activity as? HomeActivity)?.triggerRefresh()
+        (activity as? HomeActivity)?.loadAllContacts()
     }
 
     private fun attachMediator(pages: List<TabDef>) {
@@ -168,6 +168,10 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val account = accounts.firstOrNull { it.accountNumber == accountNumber }
         val bundle = bundleOf(KEY_ACCOUNT_NUMBER to accountNumber, KEY_LABEL to label)
         when {
+            accountNumber.startsWith("bmlqr:") -> {
+                bundle.putString(KEY_SUBTITLE, "BML QR Merchant")
+                bundle.putString(KEY_COLOR, "#0066A1")
+            }
             account != null -> {
                 bundle.putString(KEY_SUBTITLE, "${account.accountNumber} · ${account.currencyName} ${account.availableBalance}")
                 bundle.putString(KEY_COLOR, "#FE860E")

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

@@ -178,7 +178,7 @@ class ContactsFragment : Fragment() {
             colorHex      = contact.bankColor,
             imageHash     = contact.imageHash
         )
-        (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, fragment)
+        (requireActivity() as HomeActivity).showWithBackStack(fragment)
     }
 
     private fun confirmDelete(contact: ContactDisplay) {

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

@@ -4,13 +4,13 @@ import android.app.Activity
 import android.content.Context
 import android.content.Intent
 import android.os.Bundle
+import androidx.activity.result.contract.ActivityResultContracts
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ImageView
 import android.widget.TextView
 import android.widget.Toast
-import androidx.activity.result.contract.ActivityResultContracts
 import androidx.core.content.ContextCompat
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
@@ -26,6 +26,8 @@ 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 sh.sar.basedbank.util.NfcPaymentUtil
+import sh.sar.basedbank.util.PaymvQrParser
 import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
 import sh.sar.basedbank.databinding.ItemForeignLimitBinding
@@ -35,21 +37,35 @@ class DashboardFragment : Fragment() {
     private var _binding: FragmentDashboardBinding? = null
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
-
-    private var pendingQrAccountNumber: String? = null
+    private var pendingQrCardNumber: String? = null
 
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
+        val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
             )
         } else {
-            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            val qr = PaymvQrParser.parse(raw)
+            if (qr?.accountNumber != null) {
+                Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
+                val defaultFrom = CredentialStore(requireContext()).getDefaultAccountNumber()
+                (requireActivity() as HomeActivity).navigateTo(
+                    R.id.nav_transfer, TransferFragment.newInstanceFromQr(
+                        accountNumber     = qr.accountNumber,
+                        displayName       = qr.merchantName ?: qr.accountNumber,
+                        amount            = qr.amount,
+                        remarks           = qr.purpose,
+                        fromAccountNumber = defaultFrom
+                    )
+                )
+            } else {
+                Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            }
         }
-        pendingQrAccountNumber = null
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
@@ -84,11 +100,11 @@ class DashboardFragment : Fragment() {
         }
 
         binding.cardPendingFinances.setOnClickListener {
-            (activity as? HomeActivity)?.navigateTo(R.id.nav_finances)
+            (activity as? HomeActivity)?.showWithBackStackAndNav(FinancingFragment(), R.id.nav_finances)
         }
 
         binding.cardOverdue.setOnClickListener {
-            (activity as? HomeActivity)?.navigateTo(R.id.nav_finances)
+            (activity as? HomeActivity)?.showWithBackStackAndNav(FinancingFragment(), R.id.nav_finances)
         }
 
         val cardAdapter = DashboardCardAdapter()
@@ -97,12 +113,16 @@ class DashboardFragment : Fragment() {
         LinearSnapHelper().attachToRecyclerView(binding.rvCards)
 
         val updateCardList = {
-            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val credStore = CredentialStore(requireContext())
+            val hidden = credStore.getHiddenDashboardCardNumbers()
+            val mibItems = (viewModel.mibCards.value ?: emptyList())
+                .filter { CardsFragment.isMibCardActive(it.cardStatus) && !hidden.contains(it.maskedCardNumber) }
+                .map { CardItem.Mib(it) }
             val bmlItems = (viewModel.accounts.value ?: emptyList())
-                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) }
+                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) && !hidden.contains(it.accountNumber) }
                 .map { CardItem.Bml(it) }
-            val all = mibItems + bmlItems
-            val defaultNum = CredentialStore(requireContext()).getDefaultCardAccountNumber()
+            val all = bmlItems + mibItems
+            val defaultNum = credStore.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
@@ -115,7 +135,7 @@ class DashboardFragment : Fragment() {
 
         val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
         ViewCompat.setOnApplyWindowInsetsListener(binding.buttonBar) { v, insets ->
-            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val isBottomNav = NavCustomization.getNavMode(requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE)) == NavCustomization.NAV_MODE_BOTTOM
             val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
             val extraBottom = if (isBottomNav) 0 else navBar.bottom
             v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
@@ -126,13 +146,32 @@ class DashboardFragment : Fragment() {
 
     override fun onResume() {
         super.onResume()
-        requireActivity().title = getString(R.string.nav_dashboard)
+        val isBottom = NavCustomization.getNavMode(requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)) == NavCustomization.NAV_MODE_BOTTOM
+        if (isBottom) {
+            requireActivity().title = getString(R.string.app_name)
+            val size = (28 * resources.displayMetrics.density).toInt()
+            val gap = (8 * resources.displayMetrics.density).toInt()
+            val icon = requireContext().packageManager.getApplicationIcon(requireContext().packageName)
+            val bmp = android.graphics.Bitmap.createBitmap(size + gap, size, android.graphics.Bitmap.Config.ARGB_8888)
+            val canvas = android.graphics.Canvas(bmp)
+            icon.setBounds(0, 0, size, size)
+            icon.draw(canvas)
+            requireActivity().findViewById<com.google.android.material.appbar.MaterialToolbar>(R.id.toolbar).logo =
+                android.graphics.drawable.BitmapDrawable(resources, bmp)
+        } else {
+            requireActivity().title = getString(R.string.nav_dashboard)
+        }
         refreshQuickActions()
     }
 
+    override fun onPause() {
+        super.onPause()
+        requireActivity().findViewById<com.google.android.material.appbar.MaterialToolbar>(R.id.toolbar).logo = null
+    }
+
     private fun refreshQuickActions() {
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-        val isBottom = prefs.getBoolean("bottom_nav", false)
+        val isBottom = NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_BOTTOM
         if (isBottom) {
             binding.buttonBar.visibility = View.GONE
             return
@@ -377,7 +416,7 @@ class DashboardFragment : Fragment() {
                     if (isMib) {
                         Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
                     } else {
-                        pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
+                        pendingQrCardNumber = (item as CardItem.Bml).account.accountNumber
                         qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
                     }
                 }
@@ -385,8 +424,17 @@ class DashboardFragment : Fragment() {
                 val nfcSupported = nfcAdapter != null
                 btnPayNfc.isEnabled = nfcSupported
                 btnPayNfc.setOnClickListener {
-                    val msg = if (isMib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
-                    Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+                    if (isMib) {
+                        Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                    } else {
+                        NfcPaymentUtil.checkAndProceed(requireContext()) {
+                            val accountNumber = (item as CardItem.Bml).account.accountNumber
+                            (requireActivity() as HomeActivity).navigateTo(
+                                R.id.nav_pay_with_card,
+                                CardsFragment.newInstanceWithAutoTapMode(accountNumber)
+                            )
+                        }
+                    }
                 }
             }
         }

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

@@ -76,6 +76,8 @@ class HomeActivity : AppCompatActivity() {
     private val viewModel: HomeViewModel by viewModels()
     private lateinit var toggle: ActionBarDrawerToggle
     private var suppressBottomNavCallback = false
+    private var cachedTransferFragment: TransferFragment? = null
+    private val navBackStack = ArrayDeque<Int>()
 
     private var backPressedOnce = false
     private val backPressHandler = Handler(Looper.getMainLooper())
@@ -89,6 +91,10 @@ class HomeActivity : AppCompatActivity() {
     private val warningRunnable = Runnable { showAutolockWarning() }
 
     private var isLocked = false
+    private var pendingWheelUnlock = false
+
+    private var hasUnreadNotifications = false
+    private var notifMenuItem: MenuItem? = null
 
     private val autolockRunnable = Runnable {
         countdownTimer?.cancel(); countdownTimer = null
@@ -98,6 +104,21 @@ class HomeActivity : AppCompatActivity() {
         if (securitySet) lock()
     }
 
+    fun lockApp() = lock()
+
+    fun notifyWheelLockTap() {
+        val securitySet = getSharedPreferences("prefs", MODE_PRIVATE)
+            .getString("security_method", null) != null
+        if (securitySet) {
+            pendingWheelUnlock = true
+            lock()
+        } else {
+            // No security configured — unlock the wheel immediately
+            (supportFragmentManager.findFragmentById(R.id.contentFrame) as? CircularNavFragment)
+                ?.unlockWheelLock()
+        }
+    }
+
     private fun lock() {
         isLocked = true
         startActivity(
@@ -156,7 +177,7 @@ class HomeActivity : AppCompatActivity() {
                 R.id.nav_dashboard        -> DashboardFragment()
                 R.id.nav_accounts         -> AccountsFragment()
                 R.id.nav_contacts         -> ContactsFragment()
-                R.id.nav_transfer         -> TransferFragment()
+                R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
                 R.id.nav_pay_mv_qr        -> PayMvQrFragment()
                 R.id.nav_more             -> MoreFragment()
                 R.id.nav_activities       -> ActivitiesFragment()
@@ -237,14 +258,31 @@ class HomeActivity : AppCompatActivity() {
         if (savedInstanceState == null) {
             val navDest = intent.getIntExtra("nav_destination", -1)
             val autoScan = intent.getBooleanExtra("auto_scan", false)
-            if (navDest != -1) {
-                val fragment = if (autoScan && navDest == R.id.nav_transfer)
-                    TransferFragment.newInstanceWithAutoScan()
-                else null
-                navigateTo(navDest, fragment)
-            } else {
-                show(DashboardFragment())
-                binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+            val autoTapMode = intent.getBooleanExtra("auto_tap_mode", false)
+            val shareQrText = intent.getStringExtra("share_qr_text")
+            when {
+                shareQrText != null -> {
+                    show(DashboardFragment())
+                    binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+                    routeSharedQrText(shareQrText)
+                }
+                navDest != -1 -> {
+                    val fragment = when {
+                        autoScan && navDest == R.id.nav_transfer -> TransferFragment.newInstanceWithAutoScan()
+                        autoTapMode && navDest == R.id.nav_pay_with_card -> CardsFragment.newInstanceWithAutoTapMode()
+                        else -> null
+                    }
+                    navigateTo(navDest, fragment)
+                }
+                else -> {
+                    val initPrefs = getSharedPreferences("prefs", MODE_PRIVATE)
+                    if (NavCustomization.getNavMode(initPrefs) == NavCustomization.NAV_MODE_CIRCULAR) {
+                        show(CircularNavFragment())
+                    } else {
+                        show(DashboardFragment())
+                        binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+                    }
+                }
             }
         }
 
@@ -258,14 +296,40 @@ class HomeActivity : AppCompatActivity() {
                 // Let CardsFragment handle back if in manage mode
                 val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
                 if (currentFrag is CardsFragment && currentFrag.onBackPressed()) return
+
+                val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
+                val navMode = NavCustomization.getNavMode(prefs)
+
+                // Circular nav mode: back always returns to the wheel
+                if (navMode == NavCustomization.NAV_MODE_CIRCULAR) {
+                    if (supportFragmentManager.backStackEntryCount > 0) {
+                        supportFragmentManager.popBackStack()
+                        navBackStack.removeLastOrNull()?.let { updateNavSelection(it) }
+                        return
+                    }
+                    if (currentFrag is CircularNavFragment) {
+                        if (backPressedOnce) {
+                            backPressHandler.removeCallbacks(resetBackPress)
+                            finish()
+                        } else {
+                            backPressedOnce = true
+                            Toast.makeText(this@HomeActivity, R.string.press_back_to_exit, Toast.LENGTH_SHORT).show()
+                            backPressHandler.postDelayed(resetBackPress, 2000)
+                        }
+                    } else {
+                        show(CircularNavFragment())
+                    }
+                    return
+                }
+
                 // Pop fragment back stack if there's anything on it (e.g. showWithBackStack)
                 if (supportFragmentManager.backStackEntryCount > 0) {
                     supportFragmentManager.popBackStack()
+                    navBackStack.removeLastOrNull()?.let { updateNavSelection(it) }
                     return
                 }
                 // In bottom nav mode, pressing back navigates up the hierarchy
-                val isBottomNav = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
-                if (isBottomNav && binding.bottomNavigation.selectedItemId != R.id.nav_dashboard) {
+                if (navMode == NavCustomization.NAV_MODE_BOTTOM && binding.bottomNavigation.selectedItemId != R.id.nav_dashboard) {
                     // 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())
@@ -321,21 +385,44 @@ class HomeActivity : AppCompatActivity() {
             .commit()
     }
 
+    private fun updateNavSelection(itemId: Int) {
+        binding.navigationView.setCheckedItem(itemId)
+        if (binding.bottomNavigation.visibility == View.VISIBLE) {
+            val bottomNavIds = (0 until binding.bottomNavigation.menu.size())
+                .map { binding.bottomNavigation.menu.getItem(it).itemId }.toSet()
+            val selectId = if (itemId in bottomNavIds) itemId else if (R.id.nav_more in bottomNavIds) R.id.nav_more else null
+            if (selectId != null) {
+                suppressBottomNavCallback = true
+                binding.bottomNavigation.selectedItemId = selectId
+                suppressBottomNavCallback = false
+            }
+        }
+    }
+
     fun applyNavMode() {
         val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
-        val isBottom = prefs.getBoolean("bottom_nav", false)
-        if (isBottom) {
-            binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_LOCKED_CLOSED)
-            toggle.isDrawerIndicatorEnabled = false
-            supportActionBar?.setDisplayHomeAsUpEnabled(false)
-            binding.bottomNavigation.visibility = View.VISIBLE
-            rebuildBottomNav(prefs)
-            applyNavLabelVisibility()
-        } else {
-            binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_UNLOCKED)
-            toggle.isDrawerIndicatorEnabled = true
-            toggle.syncState()
-            binding.bottomNavigation.visibility = View.GONE
+        when (NavCustomization.getNavMode(prefs)) {
+            NavCustomization.NAV_MODE_BOTTOM -> {
+                binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_LOCKED_CLOSED)
+                toggle.isDrawerIndicatorEnabled = false
+                supportActionBar?.setDisplayHomeAsUpEnabled(false)
+                binding.bottomNavigation.visibility = View.VISIBLE
+                rebuildBottomNav(prefs)
+                applyNavLabelVisibility()
+            }
+            NavCustomization.NAV_MODE_CIRCULAR -> {
+                binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_LOCKED_CLOSED)
+                toggle.isDrawerIndicatorEnabled = false
+                supportActionBar?.setDisplayHomeAsUpEnabled(false)
+                binding.bottomNavigation.visibility = View.GONE
+            }
+            else -> {
+                supportActionBar?.show()
+                binding.drawerLayout.setDrawerLockMode(androidx.drawerlayout.widget.DrawerLayout.LOCK_MODE_UNLOCKED)
+                toggle.isDrawerIndicatorEnabled = true
+                toggle.syncState()
+                binding.bottomNavigation.visibility = View.GONE
+            }
         }
     }
 
@@ -374,11 +461,15 @@ fun applyNavLabelVisibility() {
     }
 
     fun navigateTo(itemId: Int, fragment: Fragment? = null) {
+        // Restore action bar when leaving the circular wheel screen
+        if (NavCustomization.getNavMode(getSharedPreferences("prefs", MODE_PRIVATE)) == NavCustomization.NAV_MODE_CIRCULAR) {
+            supportActionBar?.show()
+        }
         val dest = fragment ?: when (itemId) {
             R.id.nav_dashboard        -> DashboardFragment()
             R.id.nav_accounts         -> AccountsFragment()
             R.id.nav_contacts         -> ContactsFragment()
-            R.id.nav_transfer         -> TransferFragment()
+            R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
             R.id.nav_pay_mv_qr        -> PayMvQrFragment()
             R.id.nav_activities       -> ActivitiesFragment()
             R.id.nav_transfer_history -> TransferHistoryFragment()
@@ -386,25 +477,16 @@ fun applyNavLabelVisibility() {
             R.id.nav_otp              -> OtpFragment()
             R.id.nav_settings         -> SettingsFragment()
             R.id.nav_pay_with_card    -> CardsFragment()
+            R.id.nav_more             -> MoreFragment()
             else -> { Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show(); return }
         }
         show(dest)
-        binding.navigationView.setCheckedItem(itemId)
-        if (binding.bottomNavigation.visibility == View.VISIBLE) {
-            val bottomNavIds = (0 until binding.bottomNavigation.menu.size())
-                .map { binding.bottomNavigation.menu.getItem(it).itemId }.toSet()
-            val selectId = if (itemId in bottomNavIds) itemId else if (R.id.nav_more in bottomNavIds) R.id.nav_more else null
-            if (selectId != null) {
-                suppressBottomNavCallback = true
-                binding.bottomNavigation.selectedItemId = selectId
-                suppressBottomNavCallback = false
-            }
-        }
+        updateNavSelection(itemId)
     }
 
     fun setBottomNavVisible(visible: Boolean) {
-        val isBottom = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
-        if (isBottom) {
+        val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
+        if (NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_BOTTOM) {
             binding.bottomNavigation.visibility = if (visible) View.VISIBLE else View.GONE
         }
     }
@@ -433,6 +515,33 @@ fun applyNavLabelVisibility() {
             .commit()
     }
 
+    fun showWithBackStackAndNav(fragment: Fragment, itemId: Int) {
+        navBackStack.addLast(binding.bottomNavigation.selectedItemId)
+        showWithBackStack(fragment)
+        updateNavSelection(itemId)
+    }
+
+    private fun routeSharedQrText(text: String) {
+        val store = CredentialStore(this)
+        val bmlUrl = sh.sar.basedbank.util.PaymvQrParser.extractBmlGatewayUrl(text)
+        if (text.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: text, store.getDefaultCardAccountNumber()))
+            return
+        }
+        val qr = sh.sar.basedbank.util.PaymvQrParser.parse(text)
+        if (qr?.accountNumber != null) {
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromQr(
+                accountNumber     = qr.accountNumber,
+                displayName       = qr.merchantName ?: qr.accountNumber,
+                amount            = qr.amount,
+                remarks           = qr.purpose,
+                fromAccountNumber = store.getDefaultAccountNumber()
+            ))
+        } else {
+            Toast.makeText(this, R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+        }
+    }
+
     override fun onResume() {
         super.onResume()
         // Returning from LockActivity — refresh sessions since they may have expired.
@@ -441,6 +550,11 @@ fun applyNavLabelVisibility() {
             pauseTime = 0L
             resetAutolockTimer()
             autoRefresh(CredentialStore(this))
+            if (pendingWheelUnlock) {
+                pendingWheelUnlock = false
+                (supportFragmentManager.findFragmentById(R.id.contentFrame) as? CircularNavFragment)
+                    ?.unlockWheelLock()
+            }
             return
         }
         // If we were away long enough to have hit the autolock timeout (e.g. while
@@ -523,9 +637,19 @@ fun applyNavLabelVisibility() {
         eyeItem?.isVisible = true
         val hidden = viewModel.hideAmounts.value ?: false
         eyeItem?.setIcon(if (hidden) R.drawable.ic_visibility_off else R.drawable.ic_visibility)
+        notifMenuItem = menu.findItem(R.id.action_notifications)
+        notifMenuItem?.setIcon(if (hasUnreadNotifications) R.drawable.ic_bell else R.drawable.ic_bell_read)
         return true
     }
 
+    override fun onPrepareOptionsMenu(menu: Menu): Boolean {
+        val onWheel = supportFragmentManager.findFragmentById(R.id.contentFrame) is CircularNavFragment
+        menu.findItem(R.id.action_hide_amounts)?.isVisible = !onWheel
+        menu.findItem(R.id.action_lock)?.isVisible = !onWheel
+        menu.findItem(R.id.action_notifications)?.isVisible = !onWheel
+        return super.onPrepareOptionsMenu(menu)
+    }
+
     override fun onOptionsItemSelected(item: MenuItem): Boolean {
         if (item.itemId == R.id.action_lock) {
             val avd = getDrawable(R.drawable.avd_lock) as? android.graphics.drawable.AnimatedVectorDrawable
@@ -538,6 +662,10 @@ fun applyNavLabelVisibility() {
             }
             return true
         }
+        if (item.itemId == R.id.action_notifications) {
+            openNotificationsSheet()
+            return true
+        }
         if (item.itemId == R.id.action_hide_amounts) {
             val newHidden = !(viewModel.hideAmounts.value ?: false)
             viewModel.hideAmounts.value = newHidden
@@ -551,6 +679,16 @@ fun applyNavLabelVisibility() {
         return super.onOptionsItemSelected(item)
     }
 
+    fun setNotificationUnread(hasUnread: Boolean) {
+        hasUnreadNotifications = hasUnread
+        notifMenuItem?.setIcon(if (hasUnread) R.drawable.ic_bell else R.drawable.ic_bell_read)
+    }
+
+    private fun openNotificationsSheet() {
+        val sheet = NotificationsSheetFragment()
+        sheet.onUnreadCountChanged = { hasUnread -> setNotificationUnread(hasUnread) }
+        sheet.show(supportFragmentManager, "notifications")
+    }
 
     fun relogin() {
         val store = CredentialStore(this)
@@ -992,14 +1130,14 @@ fun applyNavLabelVisibility() {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.bmlSessionFor(src) ?: return@withContext null
                     try {
-                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag)
+                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag, src.profileName, src.profileId)
                         AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
+                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag || it.profileId != src.profileId }
                         app.bmlAccounts = otherBml + accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val otherAccounts = current.filter { it.bank != "BML" || it.loginTag != src.loginTag }
+                val otherAccounts = current.filter { it.bank != "BML" || it.loginTag != src.loginTag || it.profileId != src.profileId }
                 viewModel.accounts.postValue(otherAccounts + fresh)
             } else {
                 val loginId = src.loginTag.removePrefix("mib_")
@@ -1082,7 +1220,7 @@ fun applyNavLabelVisibility() {
                     for (profile in profiles) {
                         try {
                             flow.switchProfile(session, profile)
-                            for (card in client.fetchCards(session, "mib_$loginId")) {
+                            for (card in client.fetchCards(session, "mib_$loginId", profile.profileId)) {
                                 if (seen.add(card.cardId)) result += card
                             }
                         } catch (_: Exception) { }

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

@@ -7,6 +7,20 @@ import sh.sar.basedbank.R
 
 object NavCustomization {
 
+    const val NAV_MODE_DRAWER = "drawer"
+    const val NAV_MODE_BOTTOM = "bottom"
+    const val NAV_MODE_CIRCULAR = "circular"
+
+    fun getNavMode(prefs: SharedPreferences): String {
+        val explicit = prefs.getString("nav_mode", null)
+        if (explicit != null) return explicit
+        return if (prefs.getBoolean("bottom_nav", false)) NAV_MODE_BOTTOM else NAV_MODE_DRAWER
+    }
+
+    fun saveNavMode(prefs: SharedPreferences, mode: String) {
+        prefs.edit().putString("nav_mode", mode).apply()
+    }
+
     data class NavItemDef(
         val id: Int,
         val key: String,
@@ -62,8 +76,31 @@ object NavCustomization {
     }
 
     /** Items that belong in the "More" screen — those not occupying a bottom nav slot. */
+    fun getCircularSlots(prefs: SharedPreferences): List<Int> = listOf(
+        keyToId(prefs.getString("circular_slot_1_key", null), R.id.nav_transfer),
+        keyToId(prefs.getString("circular_slot_2_key", null), R.id.nav_pay_with_card),
+        keyToId(prefs.getString("circular_slot_3_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("circular_slot_4_key", null), R.id.nav_accounts),
+    )
+
+    fun saveCircularSlots(prefs: SharedPreferences, slots: List<Int>) {
+        prefs.edit()
+            .putString("circular_slot_1_key", idToKey(slots[0]) ?: "nav_transfer")
+            .putString("circular_slot_2_key", idToKey(slots[1]) ?: "nav_pay_with_card")
+            .putString("circular_slot_3_key", idToKey(slots[2]) ?: "nav_contacts")
+            .putString("circular_slot_4_key", idToKey(slots[3]) ?: "nav_accounts")
+            .apply()
+    }
+
     fun getMoreItems(prefs: SharedPreferences): List<NavItemDef> {
+        if (getNavMode(prefs) == NAV_MODE_CIRCULAR) return getCircularMoreItems(prefs)
         val slots = getSlots(prefs).toSet()
         return ALL_SWAPPABLE.filter { it.id !in slots }
     }
+
+    /** Items shown in More when circular nav is active — everything not in the saved wheel slots. */
+    private fun getCircularMoreItems(prefs: SharedPreferences): List<NavItemDef> {
+        val slotIds = getCircularSlots(prefs).toSet()
+        return ALL_SWAPPABLE.filter { it.id !in slotIds }
+    }
 }

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

@@ -0,0 +1,657 @@
+package sh.sar.basedbank.ui.home
+
+import android.app.Dialog
+import android.content.res.ColorStateList
+import android.graphics.Color
+import android.graphics.Typeface
+import android.graphics.drawable.GradientDrawable
+import android.os.Bundle
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.FrameLayout
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.ProgressBar
+import android.widget.TextView
+import android.widget.Toast
+import androidx.core.view.isVisible
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.DiffUtil
+import androidx.recyclerview.widget.LinearLayoutManager
+import androidx.recyclerview.widget.RecyclerView
+import androidx.viewpager2.widget.ViewPager2
+import com.google.android.material.bottomsheet.BottomSheetBehavior
+import com.google.android.material.bottomsheet.BottomSheetDialog
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.tabs.TabLayout
+import com.google.android.material.tabs.TabLayoutMediator
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlNotificationsClient
+import sh.sar.basedbank.api.mib.MibActivityHistoryClient
+import sh.sar.basedbank.util.NotificationsCache
+import java.text.SimpleDateFormat
+import java.util.Date
+import java.util.Locale
+
+// ── Sealed list item for date-grouped lists ───────────────────────────────────
+private sealed class NotifListItem {
+    data class Header(val label: String) : NotifListItem()
+    data class Entry(val n: AppNotification) : NotifListItem()
+}
+
+private val headerSdf = SimpleDateFormat("EEEE, d MMMM yyyy", Locale.US)
+private val dateKeySdf = SimpleDateFormat("yyyy-MM-dd", Locale.US)
+
+private fun toGroupedList(notifications: List<AppNotification>): List<NotifListItem> {
+    val result = mutableListOf<NotifListItem>()
+    var lastKey = ""
+    for (n in notifications) {
+        val key = dateKeySdf.format(Date(n.timestampMs))
+        if (key != lastKey) {
+            result.add(NotifListItem.Header(headerSdf.format(Date(n.timestampMs))))
+            lastKey = key
+        }
+        result.add(NotifListItem.Entry(n))
+    }
+    return result
+}
+
+private class NotifDiff(
+    private val old: List<NotifListItem>,
+    private val new: List<NotifListItem>
+) : DiffUtil.Callback() {
+    override fun getOldListSize() = old.size
+    override fun getNewListSize() = new.size
+    override fun areItemsTheSame(oldPos: Int, newPos: Int): Boolean {
+        val o = old[oldPos]; val n = new[newPos]
+        return when {
+            o is NotifListItem.Header && n is NotifListItem.Header -> o.label == n.label
+            o is NotifListItem.Entry  && n is NotifListItem.Entry  -> o.n.id == n.n.id
+            else -> false
+        }
+    }
+    override fun areContentsTheSame(oldPos: Int, newPos: Int) = old[oldPos] == new[newPos]
+}
+
+class NotificationsSheetFragment : BottomSheetDialogFragment() {
+
+    var onUnreadCountChanged: ((hasUnread: Boolean) -> Unit)? = null
+
+    private val allNotifications = mutableListOf<AppNotification>()
+
+    private val bmlNextPage = mutableMapOf<String, Int>()
+    private val bmlDone = mutableMapOf<String, Boolean>()
+    private val mibNextStart = mutableMapOf<String, Int>()
+    private val mibDone = mutableMapOf<String, Boolean>()
+
+    private var isLoadingMore = false
+    private var mediator: TabLayoutMediator? = null
+
+    private val tabAdapters = arrayOfNulls<NotifPageAdapter>(3)
+    private val tabLabels = listOf("All", "Alerts", "Information")
+    private val tabGroupFilters = listOf<String?>(null, "ALERTS", "INFORMATION")
+
+    private lateinit var viewPager: ViewPager2
+    private lateinit var btnMarkAllRead: TextView
+
+    private val app get() = requireActivity().application as BasedBankApp
+
+    // ── Lifecycle ─────────────────────────────────────────────────────────────────
+
+    override fun onCreateDialog(savedInstanceState: Bundle?): Dialog {
+        val d = super.onCreateDialog(savedInstanceState) as BottomSheetDialog
+        d.setOnShowListener {
+            val sheet = d.findViewById<View>(com.google.android.material.R.id.design_bottom_sheet)!!
+            BottomSheetBehavior.from(sheet).apply {
+                state = BottomSheetBehavior.STATE_EXPANDED
+                skipCollapsed = true
+            }
+        }
+        return d
+    }
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
+        inflater.inflate(R.layout.sheet_notifications, container, false)
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val tabLayout = view.findViewById<TabLayout>(R.id.notifTabs)
+        viewPager = view.findViewById(R.id.notifPager)
+        btnMarkAllRead = view.findViewById(R.id.btnMarkAllRead)
+
+        tabAdapters[0] = NotifPageAdapter(null)
+        tabAdapters[1] = NotifPageAdapter("ALERTS")
+        tabAdapters[2] = NotifPageAdapter("INFORMATION")
+
+        viewPager.adapter = PageAdapter()
+        viewPager.offscreenPageLimit = 2
+
+        mediator = TabLayoutMediator(tabLayout, viewPager) { tab, pos ->
+            tab.text = tabLabels[pos]
+        }.also { it.attach() }
+
+        btnMarkAllRead.setOnClickListener { markAllRead() }
+
+        loadFromCache()
+        refreshFromNetwork()
+    }
+
+    override fun onDestroyView() {
+        mediator?.detach()
+        mediator = null
+        super.onDestroyView()
+    }
+
+    // ── Data loading ──────────────────────────────────────────────────────────────
+
+    private fun loadFromCache() {
+        val ctx = requireContext()
+        val readIds = NotificationsCache.getMibReadIds(ctx)
+        val cached = mutableListOf<AppNotification>()
+        app.bmlSessions.forEach { (loginId, _) ->
+            cached.addAll(NotificationsCache.loadBml(ctx, loginId))
+        }
+        app.mibSessions.forEach { (loginId, _) ->
+            cached.addAll(NotificationsCache.loadMib(ctx, loginId, readIds))
+        }
+        if (cached.isNotEmpty()) {
+            mergeInto(allNotifications, cached)
+            refreshAdapters()
+        }
+    }
+
+    private fun setSpinner(show: Boolean) {
+        tabAdapters.forEach { it?.showLoadingSpinner = show }
+    }
+
+    private fun refreshFromNetwork() {
+        val bmlSessions = app.bmlSessions.toMap()
+        val mibSessions = app.mibSessions.toMap()
+
+        lifecycleScope.launch {
+            setSpinner(true)
+            val bmlClient = BmlNotificationsClient()
+            bmlSessions.forEach { (loginId, session) ->
+                val result = withContext(Dispatchers.IO) {
+                    bmlClient.fetchNotifications(session, loginId, page = 1)
+                }
+                if (result.items.isNotEmpty() && isAdded) {
+                    allNotifications.removeAll { it.bank == "BML" && it.loginId == loginId }
+                    allNotifications.addAll(result.items)
+                    allNotifications.sortByDescending { it.timestampMs }
+                    bmlNextPage[loginId] = 2
+                    bmlDone[loginId] = result.items.size >= result.total
+                    NotificationsCache.saveBml(requireContext(), loginId, result.items)
+                    refreshAdapters()
+                    broadcastUnread()
+                }
+            }
+
+            val mibClient = MibActivityHistoryClient()
+            mibSessions.forEach { (loginId, session) ->
+                val cachedIds = allNotifications
+                    .filter { it.bank == "MIB" && it.loginId == loginId }
+                    .map { it.id }.toSet()
+                val result = withContext(Dispatchers.IO) {
+                    mibClient.fetchActivity(session, loginId, 1, 100)
+                }
+                if (isAdded) {
+                    val readIds = NotificationsCache.getMibReadIds(requireContext())
+                    val hasOverlap = cachedIds.isNotEmpty() && result.items.any { it.id in cachedIds }
+                    val newItems = result.items
+                        .filter { it.id !in cachedIds }
+                        .map { it.copy(isRead = it.id in readIds) }
+                    if (newItems.isNotEmpty()) {
+                        allNotifications.addAll(newItems)
+                        allNotifications.sortByDescending { it.timestampMs }
+                        val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
+                        NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                        refreshAdapters()
+                        broadcastUnread()
+                    }
+                    mibNextStart[loginId] = result.nextStart
+                    mibDone[loginId] = hasOverlap || result.nextStart > result.totalCount
+                }
+            }
+
+            if (isAdded) setSpinner(false)
+        }
+    }
+
+    private fun loadMore() {
+        if (isLoadingMore) return
+        val bmlSessions = app.bmlSessions.toMap()
+        val mibSessions = app.mibSessions.toMap()
+        val anyLeft = bmlSessions.keys.any { bmlDone[it] != true } ||
+                      mibSessions.keys.any { mibDone[it] != true }
+        if (!anyLeft) return
+
+        isLoadingMore = true
+        setSpinner(true)
+        lifecycleScope.launch {
+            val bmlClient = BmlNotificationsClient()
+            bmlSessions.forEach { (loginId, session) ->
+                if (bmlDone[loginId] == true) return@forEach
+                val page = bmlNextPage[loginId] ?: 2
+                val result = withContext(Dispatchers.IO) {
+                    bmlClient.fetchNotifications(session, loginId, page = page)
+                }
+                if (result.items.isNotEmpty() && isAdded) {
+                    allNotifications.addAll(result.items.filter { n -> allNotifications.none { it.id == n.id } })
+                    allNotifications.sortByDescending { it.timestampMs }
+                    bmlNextPage[loginId] = page + 1
+                    bmlDone[loginId] = allNotifications.count { it.bank == "BML" && it.loginId == loginId } >= result.total
+                    val allForLogin = allNotifications.filter { it.bank == "BML" && it.loginId == loginId }
+                    NotificationsCache.saveBml(requireContext(), loginId, allForLogin)
+                }
+            }
+
+            val mibClient = MibActivityHistoryClient()
+            mibSessions.forEach { (loginId, session) ->
+                if (mibDone[loginId] == true) return@forEach
+                while (mibDone[loginId] != true && isAdded) {
+                    val start = mibNextStart[loginId] ?: 101
+                    val cachedIds = allNotifications
+                        .filter { it.bank == "MIB" && it.loginId == loginId }
+                        .map { it.id }.toSet()
+                    val result = withContext(Dispatchers.IO) {
+                        mibClient.fetchActivity(session, loginId, start, start + 99)
+                    }
+                    if (result.rawCount == 0) break
+                    val readIds = NotificationsCache.getMibReadIds(requireContext())
+                    val newItems = result.items
+                        .filter { it.id !in cachedIds }
+                        .map { it.copy(isRead = it.id in readIds) }
+                    if (newItems.isNotEmpty()) {
+                        allNotifications.addAll(newItems)
+                        allNotifications.sortByDescending { it.timestampMs }
+                        val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
+                        NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                    }
+                    mibNextStart[loginId] = result.nextStart
+                    mibDone[loginId] = result.nextStart > result.totalCount
+                    if (newItems.isNotEmpty()) break
+                }
+            }
+
+            isLoadingMore = false
+            if (isAdded) {
+                setSpinner(false)
+                refreshAdapters()
+            }
+        }
+    }
+
+    // ── Mark all read ─────────────────────────────────────────────────────────────
+
+    private fun markAllRead() {
+        val bmlSessions = app.bmlSessions.toMap()
+        val mibIds = allNotifications.filter { it.bank == "MIB" && !it.isRead }.map { it.id }
+
+        lifecycleScope.launch {
+            var bmlOk = true
+            bmlSessions.forEach { (_, session) ->
+                val ok = withContext(Dispatchers.IO) { BmlNotificationsClient().markAllRead(session) }
+                if (!ok) bmlOk = false
+            }
+            if (mibIds.isNotEmpty()) NotificationsCache.addMibReadIds(requireContext(), mibIds)
+
+            val updated = allNotifications.map { it.copy(isRead = true) }
+            allNotifications.clear()
+            allNotifications.addAll(updated)
+            refreshAdapters()
+            broadcastUnread()
+
+            if (isAdded) {
+                val msg = if (bmlOk) "All notifications marked as read"
+                          else "Marked read locally — some accounts had a network error"
+                Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
+    // ── Helpers ───────────────────────────────────────────────────────────────────
+
+    private fun mergeInto(target: MutableList<AppNotification>, incoming: List<AppNotification>) {
+        val existingIds = target.map { it.id }.toSet()
+        target.addAll(incoming.filter { it.id !in existingIds })
+        target.sortByDescending { it.timestampMs }
+    }
+
+    private fun refreshAdapters() {
+        tabGroupFilters.forEachIndexed { i, filter ->
+            val filtered = if (filter == null) allNotifications
+                           else allNotifications.filter { it.group == filter }
+            tabAdapters[i]?.update(filtered)
+        }
+    }
+
+    private fun broadcastUnread() {
+        onUnreadCountChanged?.invoke(allNotifications.any { !it.isRead })
+    }
+
+    private fun onNotificationTapped(item: AppNotification) {
+        val idx = allNotifications.indexOfFirst { it.id == item.id }
+        if (idx >= 0 && !allNotifications[idx].isRead) {
+            allNotifications[idx] = allNotifications[idx].copy(isRead = true)
+            if (item.bank == "MIB") NotificationsCache.addMibReadIds(requireContext(), listOf(item.id))
+            refreshAdapters()
+            broadcastUnread()
+        }
+        val detail = item.detailFields.joinToString("\n\n") { (k, v) -> "$k\n$v" }
+        MaterialAlertDialogBuilder(requireActivity())
+            .setTitle(item.title)
+            .setMessage(detail.ifBlank { item.message })
+            .setPositiveButton("OK", null)
+            .show()
+    }
+
+    // ── ViewPager2 page adapter ───────────────────────────────────────────────────
+
+    private inner class PageAdapter : RecyclerView.Adapter<PageAdapter.VH>() {
+        inner class VH(val rv: RecyclerView) : RecyclerView.ViewHolder(rv)
+
+        override fun getItemCount() = 3
+        override fun getItemViewType(position: Int) = position
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH {
+            val rv = RecyclerView(parent.context).apply {
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    ViewGroup.LayoutParams.MATCH_PARENT
+                )
+                layoutManager = LinearLayoutManager(context)
+                adapter = tabAdapters[viewType]
+                addOnScrollListener(object : RecyclerView.OnScrollListener() {
+                    override fun onScrolled(rv: RecyclerView, dx: Int, dy: Int) {
+                        val lm = rv.layoutManager as LinearLayoutManager
+                        if (lm.findLastVisibleItemPosition() >= lm.itemCount - 4) loadMore()
+                    }
+                })
+            }
+            return VH(rv)
+        }
+
+        override fun onBindViewHolder(holder: VH, position: Int) {}
+    }
+
+    // ── Per-tab list adapter ──────────────────────────────────────────────────────
+
+    private inner class NotifPageAdapter(private val groupFilter: String?) :
+        RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+        private val displayItems = mutableListOf<NotifListItem>()
+
+        var showLoadingSpinner: Boolean = false
+            set(value) {
+                if (field == value) return
+                field = value
+                if (displayItems.isEmpty()) {
+                    notifyItemChanged(0)
+                } else if (value) {
+                    notifyItemInserted(displayItems.size)
+                } else {
+                    notifyItemRemoved(displayItems.size)
+                }
+            }
+
+        fun update(filtered: List<AppNotification>) {
+            val newItems = toGroupedList(filtered)
+            val diff = DiffUtil.calculateDiff(NotifDiff(displayItems.toList(), newItems))
+            displayItems.clear()
+            displayItems.addAll(newItems)
+            diff.dispatchUpdatesTo(this)
+        }
+
+        override fun getItemCount(): Int {
+            if (displayItems.isEmpty()) return 1
+            return displayItems.size + if (showLoadingSpinner) 1 else 0
+        }
+
+        override fun getItemViewType(position: Int): Int {
+            if (displayItems.isEmpty()) return if (showLoadingSpinner) 3 else 2
+            if (showLoadingSpinner && position == displayItems.size) return 3
+            return when (displayItems[position]) {
+                is NotifListItem.Header -> 0
+                is NotifListItem.Entry  -> 1
+            }
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder =
+            when (viewType) {
+                0    -> HeaderVH(buildHeaderView(parent.context))
+                1    -> ItemVH(buildRowView(parent.context))
+                3    -> SpinnerVH(buildSpinnerView(parent.context))
+                else -> EmptyVH(buildEmptyView(parent.context))
+            }
+
+        override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+            when (holder) {
+                is HeaderVH -> holder.bind((displayItems[position] as NotifListItem.Header).label)
+                is ItemVH   -> holder.bind((displayItems[position] as NotifListItem.Entry).n)
+            }
+        }
+
+        // ── Date header ───────────────────────────────────────────────────────────
+
+        inner class HeaderVH(private val tv: TextView) : RecyclerView.ViewHolder(tv) {
+            fun bind(label: String) { tv.text = label }
+        }
+
+        private fun buildHeaderView(ctx: android.content.Context): TextView {
+            val dp = ctx.resources.displayMetrics.density
+            return TextView(ctx).apply {
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    ViewGroup.LayoutParams.WRAP_CONTENT
+                )
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                setTextColor(MaterialColors.getColor(this, com.google.android.material.R.attr.colorPrimary, Color.CYAN))
+                setPadding((16 * dp).toInt(), (20 * dp).toInt(), (16 * dp).toInt(), (6 * dp).toInt())
+            }
+        }
+
+        // ── Empty state ───────────────────────────────────────────────────────────
+
+        inner class EmptyVH(v: View) : RecyclerView.ViewHolder(v)
+
+        private fun buildEmptyView(ctx: android.content.Context): View {
+            val dp = ctx.resources.displayMetrics.density
+            return LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    (300 * dp).toInt()
+                )
+                addView(ImageView(ctx).apply {
+                    setImageResource(R.drawable.ic_bell_read)
+                    val s = (48 * dp).toInt()
+                    layoutParams = LinearLayout.LayoutParams(s, s).apply {
+                        gravity = Gravity.CENTER_HORIZONTAL
+                        bottomMargin = (12 * dp).toInt()
+                    }
+                    alpha = 0.35f
+                })
+                addView(TextView(ctx).apply {
+                    text = "No notifications"
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                    alpha = 0.5f
+                    gravity = Gravity.CENTER
+                })
+            }
+        }
+
+        // ── Loading spinner ───────────────────────────────────────────────────────
+
+        inner class SpinnerVH(v: View) : RecyclerView.ViewHolder(v)
+
+        private fun buildSpinnerView(ctx: android.content.Context): View {
+            val dp = ctx.resources.displayMetrics.density
+            val pad = (16 * dp).toInt()
+            val size = (28 * dp).toInt()
+            return LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    ViewGroup.LayoutParams.WRAP_CONTENT
+                )
+                setPadding(pad, pad, pad, pad)
+                addView(ProgressBar(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(size, size)
+                })
+            }
+        }
+
+        // ── Notification row ──────────────────────────────────────────────────────
+
+        inner class ItemVH(v: View) : RecyclerView.ViewHolder(v) {
+            val iconBg: View = v.findViewWithTag("iconBg")
+            val iconIv: ImageView = v.findViewWithTag("icon")
+            val unreadBadge: View = v.findViewWithTag("badge")
+            val titleTv: TextView = v.findViewWithTag("title")
+            val messageTv: TextView = v.findViewWithTag("message")
+            val bankBadge: TextView = v.findViewWithTag("bank")
+
+            fun bind(item: AppNotification) {
+                titleTv.text = item.title
+                messageTv.text = item.message
+                bankBadge.text = item.bank
+                unreadBadge.isVisible = !item.isRead
+
+                val (iconRes, colorHex) = iconAndColor(item)
+                iconIv.setImageResource(iconRes)
+                iconIv.imageTintList = ColorStateList.valueOf(Color.parseColor(colorHex))
+                (iconBg.background as? GradientDrawable)
+                    ?.setColor(Color.parseColor(colorHex.replace("#", "#22")))
+
+                itemView.alpha = if (item.isRead) 0.65f else 1f
+                itemView.setOnClickListener { onNotificationTapped(item) }
+            }
+        }
+
+        private fun buildRowView(ctx: android.content.Context): View {
+            val dp = ctx.resources.displayMetrics.density
+            val surfaceColor = MaterialColors.getColor(ctx, com.google.android.material.R.attr.colorSurface, Color.BLACK)
+
+            return LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    ViewGroup.LayoutParams.WRAP_CONTENT
+                )
+                val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+                background = ta.getDrawable(0); ta.recycle()
+                isClickable = true; isFocusable = true
+                setPadding((16 * dp).toInt(), (12 * dp).toInt(), (16 * dp).toInt(), (12 * dp).toInt())
+
+                // Icon circle + badge overlay
+                val frameSize = (44 * dp).toInt()
+                val iconFrame = FrameLayout(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(frameSize, frameSize).apply {
+                        marginEnd = (12 * dp).toInt()
+                    }
+                }
+
+                // Circle background (fills the frame)
+                val circleSize = (40 * dp).toInt()
+                iconFrame.addView(View(ctx).apply {
+                    tag = "iconBg"
+                    layoutParams = FrameLayout.LayoutParams(circleSize, circleSize, Gravity.CENTER)
+                    background = GradientDrawable().apply {
+                        shape = GradientDrawable.OVAL
+                        setColor(Color.parseColor("#33FFFFFF"))
+                    }
+                })
+
+                // Icon
+                val iconSize = (22 * dp).toInt()
+                iconFrame.addView(ImageView(ctx).apply {
+                    tag = "icon"
+                    layoutParams = FrameLayout.LayoutParams(iconSize, iconSize, Gravity.CENTER)
+                })
+
+                // Unread badge — bottom-right corner
+                val badgeSize = (12 * dp).toInt()
+                iconFrame.addView(View(ctx).apply {
+                    tag = "badge"
+                    layoutParams = FrameLayout.LayoutParams(badgeSize, badgeSize, Gravity.BOTTOM or Gravity.END)
+                    background = GradientDrawable().apply {
+                        shape = GradientDrawable.OVAL
+                        setColor(Color.parseColor("#EF5350"))
+                        setStroke((2 * dp).toInt(), surfaceColor)
+                    }
+                })
+
+                addView(iconFrame)
+
+                // Text column
+                val textCol = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.VERTICAL
+                    layoutParams = LinearLayout.LayoutParams(0, ViewGroup.LayoutParams.WRAP_CONTENT, 1f)
+                }
+
+                // Title + bank badge row
+                val titleRow = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.HORIZONTAL
+                    gravity = Gravity.CENTER_VERTICAL
+                    layoutParams = LinearLayout.LayoutParams(
+                        ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT
+                    )
+                }
+                titleRow.addView(TextView(ctx).apply {
+                    tag = "title"
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                    setTypeface(null, Typeface.BOLD)
+                    maxLines = 1
+                    layoutParams = LinearLayout.LayoutParams(0, ViewGroup.LayoutParams.WRAP_CONTENT, 1f)
+                })
+                titleRow.addView(TextView(ctx).apply {
+                    tag = "bank"
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelSmall)
+                    alpha = 0.55f
+                    layoutParams = LinearLayout.LayoutParams(
+                        ViewGroup.LayoutParams.WRAP_CONTENT, ViewGroup.LayoutParams.WRAP_CONTENT
+                    ).apply { marginStart = (6 * dp).toInt() }
+                })
+
+                textCol.addView(titleRow)
+                textCol.addView(TextView(ctx).apply {
+                    tag = "message"
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.7f
+                    maxLines = 2
+                })
+                addView(textCol)
+            }
+        }
+
+        private fun iconAndColor(item: AppNotification): Pair<Int, String> {
+            if (item.bank == "MIB") return when {
+                item.title.contains("Transfer", ignoreCase = true) ||
+                item.title.contains("Payment", ignoreCase = true) -> R.drawable.ic_send to "#4CAF50"
+                item.title.contains("Log in", ignoreCase = true)  -> R.drawable.ic_lock_open to "#2196F3"
+                else                                              -> R.drawable.ic_receipt_check to "#9C27B0"
+            }
+            return when {
+                item.group == "INFORMATION" -> R.drawable.ic_receipt_check to "#2196F3"
+                item.title.contains("Received", ignoreCase = true) ||
+                item.title.contains("Sent", ignoreCase = true) ||
+                item.title.contains("Transfer", ignoreCase = true) ||
+                item.title.contains("Payment", ignoreCase = true) ||
+                item.title.contains("Paid", ignoreCase = true) ||
+                item.title.contains("Funds", ignoreCase = true) -> R.drawable.ic_send to "#4CAF50"
+                else -> R.drawable.ic_lock to "#EF5350"
+            }
+        }
+    }
+}

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

@@ -7,13 +7,10 @@ import android.os.Build
 import android.os.Bundle
 import android.os.Environment
 import android.provider.MediaStore
-import android.app.Activity
-import android.content.Intent
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.*
-import androidx.activity.result.contract.ActivityResultContracts
 import androidx.appcompat.content.res.AppCompatResources
 import androidx.core.content.FileProvider
 import androidx.core.view.ViewCompat
@@ -39,7 +36,6 @@ 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
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
 import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
 import java.io.File
@@ -56,31 +52,6 @@ class PayMvQrFragment : Fragment() {
     private var generateJob: Job? = null
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
-    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
-        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
-        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-
-        // 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/")) {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
-            return@registerForActivityResult
-        }
-
-        val qr = PaymvQrParser.parse(raw)
-        if (qr == null || qr.accountNumber == null) {
-            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
-            return@registerForActivityResult
-        }
-        val activity = requireActivity() as HomeActivity
-        activity.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromQr(
-            accountNumber = qr.accountNumber,
-            displayName   = qr.merchantName ?: qr.accountNumber,
-            amount        = qr.amount,
-            remarks       = qr.purpose
-        ))
-    }
-
     override fun onCreateView(
         inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?
     ): View {
@@ -105,9 +76,6 @@ class PayMvQrFragment : Fragment() {
         binding.btnSave.isEnabled = false
         binding.btnShare.setOnClickListener { shareQr() }
         binding.btnSave.setOnClickListener { saveQr() }
-        binding.btnScanQr.setOnClickListener {
-            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
-        }
     }
 
     private fun setupDropdown() {
@@ -124,6 +92,20 @@ class PayMvQrFragment : Fragment() {
                 selectedAccount = picked
                 scheduleGenerate()
             }
+
+            // Auto-select default account if none is selected yet
+            if (selectedAccount == null) {
+                val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+                if (defaultNum != null) {
+                    val defaultAcc = eligible.firstOrNull { it.accountNumber == defaultNum }
+                    if (defaultAcc != null) {
+                        selectedAccount = defaultAcc
+                        val prefix = if (defaultAcc.bank == "BML" && defaultAcc.profileName.isNotBlank()) "${defaultAcc.profileName} · " else ""
+                        binding.actvAccount.setText("$prefix${defaultAcc.accountBriefName}", false)
+                        scheduleGenerate()
+                    }
+                }
+            }
         }
     }
 

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

@@ -3,6 +3,7 @@ package sh.sar.basedbank.ui.home
 import android.app.Activity
 import android.content.Context
 import android.content.Intent
+import androidx.activity.result.contract.ActivityResultContracts
 import android.graphics.Color
 import android.graphics.drawable.GradientDrawable
 import android.os.Bundle
@@ -13,7 +14,6 @@ import android.widget.ImageView
 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
@@ -24,13 +24,39 @@ import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.PagerSnapHelper
 import androidx.recyclerview.widget.RecyclerView
+import android.animation.ValueAnimator
+import android.graphics.Canvas
+import android.graphics.Paint
+import android.graphics.RectF
+import android.view.Gravity
+import androidx.biometric.BiometricManager
+import androidx.biometric.BiometricPrompt
+import androidx.core.content.ContextCompat
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.button.MaterialButton
 import com.google.android.material.color.MaterialColors
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.sync.withLock
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlCardClient
+import sh.sar.basedbank.api.bml.BmlTapToPayClient
+import sh.sar.basedbank.api.mib.MibCardsClient
+import sh.sar.basedbank.nfc.BmlHostCardEmulatorService
 import sh.sar.basedbank.api.mib.MibCard
+import android.text.InputType
+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.databinding.FragmentCardsBinding
 import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.NfcPaymentUtil
+import sh.sar.basedbank.util.PaymvQrParser
 import kotlin.math.abs
 
 class CardsFragment : Fragment() {
@@ -42,8 +68,42 @@ class CardsFragment : Fragment() {
     private var cards: List<CardItem> = emptyList()
     private var currentCardPosition: Int = 0
     private var cardWidth: Int = 0
-    private var pendingQrAccountNumber: String? = null
+    private var pendingQrCardNumber: String? = null
     private var isManageMode: Boolean = false
+    private var managedCardKey: String? = null
+    private var freezeInFlight: Boolean = false
+
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
+        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+            (requireActivity() as HomeActivity).navigateTo(
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
+            )
+        } else {
+            val qr = PaymvQrParser.parse(raw)
+            if (qr?.accountNumber != null) {
+                Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
+                val defaultFrom = store.getDefaultAccountNumber()
+                (requireActivity() as HomeActivity).navigateTo(
+                    R.id.nav_transfer, TransferFragment.newInstanceFromQr(
+                        accountNumber     = qr.accountNumber,
+                        displayName       = qr.merchantName ?: qr.accountNumber,
+                        amount            = qr.amount,
+                        remarks           = qr.purpose,
+                        fromAccountNumber = defaultFrom
+                    )
+                )
+            } else {
+                Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+    private var isTapMode: Boolean = false
+    private var tapAnimView: NfcTapAnimationView? = null
+    private var autoTapModeTriggered = false
 
     // Carousel snapshot captured on enter, used to reverse the exit animation
     private var carouselCardLayoutTop = 0f      // card layout top relative to contentLayout
@@ -57,20 +117,6 @@ class CardsFragment : Fragment() {
     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
-        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
-            raw.startsWith("https://pay.bml.com.mv/app/")) {
-            (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
-            )
-        } else {
-            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
-        }
-        pendingQrAccountNumber = null
-    }
-
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCardsBinding.inflate(inflater, container, false)
         return binding.root
@@ -109,17 +155,22 @@ class CardsFragment : Fragment() {
             }
         })
 
-ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
-            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-                .getBoolean("bottom_nav", false)
-            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
-            val extraBottom = if (isBottomNav) 0 else navBar.bottom
-            v.setPadding(0, 0, 0, (16 * resources.displayMetrics.density).toInt() + extraBottom)
+        ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
+            val bottomNav = activity?.findViewById<View>(R.id.bottomNavigation)
+            val navBarBottom = if (bottomNav?.visibility == View.VISIBLE) 0
+                               else insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            v.setPadding(0, 0, 0, (16 * resources.displayMetrics.density).toInt() + navBarBottom)
             insets
         }
 
-        viewModel.mibCards.observe(viewLifecycleOwner) { rebuildCards() }
-        viewModel.accounts.observe(viewLifecycleOwner) { rebuildCards() }
+        viewModel.mibCards.observe(viewLifecycleOwner) {
+            rebuildCards()
+            rebindManagedCardIfNeeded()
+        }
+        viewModel.accounts.observe(viewLifecycleOwner) {
+            rebuildCards()
+            rebindManagedCardIfNeeded()
+        }
 
         val cached = CardsCache.load(requireContext())
         if (cached.isNotEmpty()) {
@@ -135,7 +186,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
 
         // Swipe-down on the manage card to dismiss manage mode
         binding.manageCardView.root.setOnTouchListener { _, event ->
-            if (!isManageMode) return@setOnTouchListener false
+            if (!isManageMode && !isTapMode) return@setOnTouchListener false
             val mgr = binding.manageCardView.root
             when (event.action) {
                 android.view.MotionEvent.ACTION_DOWN -> {
@@ -162,7 +213,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                         val dy = (event.rawY - swipeDragStartRawY).coerceAtLeast(0f)
                         swipeIsDragging = false
                         if (dy > 130f) {
-                            setManageMode(false)
+                            if (isTapMode) setTapMode(false) else setManageMode(false)
                         } else {
                             // Snap back
                             mgr.animate().translationY(0f).scaleX(1f).scaleY(1f)
@@ -182,7 +233,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             if (item is CardItem.Mib) {
                 Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
             } else {
-                pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
+                pendingQrCardNumber = (item as CardItem.Bml).account.accountNumber
                 qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
             }
         }
@@ -191,28 +242,180 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         binding.btnTapToPay.isEnabled = nfcAvailable
         binding.btnTapToPay.setOnClickListener {
             val item = cards.getOrNull(currentCardPosition) ?: return@setOnClickListener
-            val msg = if (item is CardItem.Mib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
-            Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            if (item is CardItem.Mib) {
+                Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                return@setOnClickListener
+            }
+            val bmlItem = item as CardItem.Bml
+            NfcPaymentUtil.checkAndProceed(requireContext()) {
+                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                    showBiometricPromptForTap(bmlItem)
+                } else {
+                    setTapMode(true, bmlItem)
+                }
+            }
         }
 
         val wip = View.OnClickListener {
             Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
         }
         binding.btnChangePin.setOnClickListener(wip)
-        binding.btnFreeze.setOnClickListener(wip)
+        binding.btnFreeze.setOnClickListener {
+            when (val item = cards.getOrNull(currentCardPosition)) {
+                is CardItem.Bml -> confirmBmlFreezeToggle(item)
+                is CardItem.Mib -> confirmMibFreezeToggle(item)
+                null -> {}
+            }
+        }
         binding.btnBlock.setOnClickListener(wip)
     }
 
+    private fun confirmBmlFreezeToggle(item: CardItem.Bml) {
+        if (freezeInFlight) return
+        val frozen = isBmlFrozen(item.account.statusDesc)
+        val titleRes = if (frozen) R.string.card_unfreeze_confirm_title else R.string.card_freeze_confirm_title
+        val messageRes = if (frozen) R.string.card_unfreeze_confirm_message else R.string.card_freeze_confirm_message
+        val confirmRes = if (frozen) R.string.card_action_unfreeze else R.string.card_action_freeze
+        MaterialAlertDialogBuilder(requireContext())
+            .setTitle(titleRes)
+            .setMessage(messageRes)
+            .setNegativeButton(R.string.cancel, null)
+            .setPositiveButton(confirmRes) { _, _ -> performBmlFreezeToggle(item, freeze = !frozen) }
+            .show()
+    }
+
+    private fun confirmMibFreezeToggle(item: CardItem.Mib) {
+        if (freezeInFlight) return
+        val frozen = isMibCardFrozen(item.card.cardStatus)
+        val titleRes = if (frozen) R.string.card_unfreeze_confirm_title else R.string.card_freeze_confirm_title
+        val messageRes = if (frozen) R.string.card_unfreeze_confirm_message else R.string.card_freeze_confirm_message
+        val confirmRes = if (frozen) R.string.card_action_unfreeze else R.string.card_action_freeze
+
+        val ctx = requireContext()
+        val dp = resources.displayMetrics.density
+        val inputLayout = TextInputLayout(ctx).apply {
+            hint = getString(R.string.card_freeze_comments_hint)
+            val pad = (16 * dp).toInt()
+            setPadding(pad, pad / 2, pad, 0)
+        }
+        val input = TextInputEditText(ctx).apply {
+            inputType = InputType.TYPE_CLASS_TEXT or InputType.TYPE_TEXT_FLAG_CAP_SENTENCES
+            maxLines = 3
+        }
+        inputLayout.addView(input)
+
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(titleRes)
+            .setMessage(messageRes)
+            .setView(inputLayout)
+            .setNegativeButton(R.string.cancel, null)
+            .setPositiveButton(confirmRes) { _, _ ->
+                val comments = input.text?.toString()?.trim().orEmpty()
+                performMibFreezeToggle(item, freeze = !frozen, comments = comments)
+            }
+            .show()
+    }
+
+    private fun performMibFreezeToggle(item: CardItem.Mib, freeze: Boolean, comments: String) {
+        val app = requireActivity().application as BasedBankApp
+        val action = if (freeze) "freeze" else "unfreeze"
+        val successRes = if (freeze) R.string.card_freeze_success else R.string.card_unfreeze_success
+        val loginId = item.card.loginTag.removePrefix("mib_")
+        val session = app.mibSessions[loginId]
+        if (session == null) {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+        val ownerProfile = profiles.firstOrNull { it.profileId == item.card.profileId }
+            ?: profiles.firstOrNull { it.customerId == item.card.customerId }
+        freezeInFlight = true
+        binding.btnFreeze.isEnabled = false
+        (activity as? HomeActivity)?.setRefreshing(true)
+        viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                runCatching {
+                    app.mibMutex.withLock {
+                        if (ownerProfile != null) {
+                            app.mibFlowFor(loginId).switchProfile(session, ownerProfile)
+                        }
+                        MibCardsClient().setCardFreezeState(session, item.card.cardId, action, comments)
+                    }
+                }
+            }
+            freezeInFlight = false
+            if (!isAdded || _binding == null) {
+                (activity as? HomeActivity)?.setRefreshing(false)
+                return@launch
+            }
+            binding.btnFreeze.isEnabled = true
+            (activity as? HomeActivity)?.setRefreshing(false)
+            val response = result.getOrNull()
+            if (response?.success == true) {
+                Toast.makeText(requireContext(), successRes, Toast.LENGTH_SHORT).show()
+                (activity as? HomeActivity)?.triggerRefreshCards()
+            } else {
+                val msg = response?.message?.takeIf { it.isNotBlank() }
+                    ?: result.exceptionOrNull()?.message
+                    ?: getString(R.string.card_freeze_failed)
+                Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
+    private fun performBmlFreezeToggle(item: CardItem.Bml, freeze: Boolean) {
+        val app = requireActivity().application as BasedBankApp
+        val action = if (freeze) "freeze" else "unfreeze"
+        val successRes = if (freeze) R.string.card_freeze_success else R.string.card_unfreeze_success
+        freezeInFlight = true
+        binding.btnFreeze.isEnabled = false
+        (activity as? HomeActivity)?.setRefreshing(true)
+        viewLifecycleOwner.lifecycleScope.launch {
+            val session = app.bmlSessionFor(item.account)
+            if (session == null) {
+                freezeInFlight = false
+                if (_binding != null) binding.btnFreeze.isEnabled = true
+                (activity as? HomeActivity)?.setRefreshing(false)
+                Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+                return@launch
+            }
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlCardClient().setCardFreezeState(session, item.account.internalId, action) }
+            }
+            freezeInFlight = false
+            if (!isAdded || _binding == null) {
+                (activity as? HomeActivity)?.setRefreshing(false)
+                return@launch
+            }
+            binding.btnFreeze.isEnabled = true
+            (activity as? HomeActivity)?.setRefreshing(false)
+            val response = result.getOrNull()
+            if (response?.success == true) {
+                Toast.makeText(requireContext(), successRes, Toast.LENGTH_SHORT).show()
+                (activity as? HomeActivity)?.refreshBalances(item.account)
+            } else {
+                val msg = response?.message?.takeIf { it.isNotBlank() }
+                    ?: result.exceptionOrNull()?.message
+                    ?: getString(R.string.card_freeze_failed)
+                Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
     private fun setManageMode(enabled: Boolean) {
         isManageMode = enabled
+        if (!enabled) managedCardKey = null
         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
+    private fun cardItemKey(item: CardItem): String = when (item) {
+        is CardItem.Bml -> "bml:${item.account.accountNumber}"
+        is CardItem.Mib -> "mib:${item.card.cardId}"
+    }
 
-        // Bind card data
+    private fun bindManageCardData(item: CardItem) {
         val cv = binding.manageCardView
         when (item) {
             is CardItem.Mib -> {
@@ -222,7 +425,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 if (assetPath != null) loadCardImage(cv.ivCardImage, assetPath)
                 else cv.ivCardImage.setImageDrawable(null)
                 bindCardStatus(cv.tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
-                cv.root.alpha = 1f
+                cv.root.alpha = if (isMibCardActive(item.card.cardStatus)) 1f else 0.45f
             }
             is CardItem.Bml -> {
                 cv.tvCardOwner.text = item.account.accountBriefName
@@ -233,6 +436,37 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 cv.root.alpha = if (isActive) 1f else 0.45f
             }
         }
+        val isFrozen = when (item) {
+            is CardItem.Bml -> isBmlFrozen(item.account.statusDesc)
+            is CardItem.Mib -> isMibCardFrozen(item.card.cardStatus)
+        }
+        binding.btnFreeze.setText(if (isFrozen) R.string.card_action_unfreeze else R.string.card_action_freeze)
+        // MIB doesn't allow change PIN / block while a card is frozen; BML still does.
+        val mibFrozen = item is CardItem.Mib && isMibCardFrozen(item.card.cardStatus)
+        binding.btnChangePin.isEnabled = !mibFrozen
+        binding.btnBlock.isEnabled = !mibFrozen
+    }
+
+    private fun rebindManagedCardIfNeeded() {
+        if (!isManageMode) return
+        val key = managedCardKey ?: return
+        val newPos = cards.indexOfFirst { cardItemKey(it) == key }
+        if (newPos < 0) return
+        if (newPos != currentCardPosition) {
+            currentCardPosition = newPos
+            binding.rvCards.scrollToPosition(newPos)
+        }
+        bindManageCardData(cards[newPos])
+    }
+
+    private fun isBmlFrozen(statusDesc: String): Boolean =
+        statusDesc.equals("Block Plastic", ignoreCase = true)
+
+    private fun enterManageMode() {
+        val item = cards.getOrNull(currentCardPosition) ?: return
+        managedCardKey = cardItemKey(item)
+
+        bindManageCardData(item)
 
         // Capture positions BEFORE layout changes (for enter animation + exit animation later)
         val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
@@ -253,6 +487,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         binding.llPayButtons.visibility = View.GONE
         binding.llManageButtons.visibility = View.VISIBLE
         binding.llDefaultCardRow.visibility = View.VISIBLE
+        binding.llHideDashboardRow.visibility = View.VISIBLE
         binding.manageCardView.root.visibility = View.VISIBLE
 
         // Set switch state (clear listener first to avoid triggering on programmatic set)
@@ -273,6 +508,27 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             }
         }
 
+        val accountNumber = (item as? CardItem.Bml)?.account?.accountNumber
+            ?: (item as? CardItem.Mib)?.card?.maskedCardNumber
+        binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
+        binding.switchHideFromDashboard.isChecked = accountNumber != null &&
+            store.getHiddenDashboardCardNumbers().contains(accountNumber)
+        binding.switchHideFromDashboard.setOnCheckedChangeListener { _, isChecked ->
+            if (accountNumber != null) {
+                store.setCardHiddenFromDashboard(accountNumber, isChecked)
+            }
+        }
+
+        val isInactiveBml = item is CardItem.Bml && !item.account.statusDesc.equals("Active", ignoreCase = true)
+        binding.switchDefaultCard.isEnabled = !isInactiveBml
+        if (isInactiveBml) {
+            binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
+            binding.switchHideFromDashboard.isChecked = true
+            binding.switchHideFromDashboard.isEnabled = false
+        } else {
+            binding.switchHideFromDashboard.isEnabled = true
+        }
+
         // After layout pass, compute offsets, save carousel snapshot, and animate
         binding.contentLayout.doOnNextLayout {
             val mgr = binding.manageCardView.root
@@ -364,7 +620,9 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 binding.llPayButtons.visibility = View.VISIBLE
                 binding.llManageButtons.visibility = View.GONE
                 binding.llDefaultCardRow.visibility = View.GONE
+                binding.llHideDashboardRow.visibility = View.GONE
                 binding.switchDefaultCard.setOnCheckedChangeListener(null)
+                binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
                 buildDots(cards.size, currentCardPosition)
             }
             .start()
@@ -377,6 +635,262 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             .start()
     }
 
+    // ── Tap-to-pay mode ────────────────────────────────────────────────────────
+
+    private fun setTapMode(enabled: Boolean, item: CardItem.Bml? = null) {
+        isTapMode = enabled
+        requireActivity().title = getString(if (enabled) R.string.card_pay_nfc else R.string.nav_pay_with_card)
+        if (enabled) enterTapMode(item!!) else exitTapMode()
+    }
+
+    private fun showBiometricPromptForTap(item: CardItem.Bml) {
+        val bmgr = BiometricManager.from(requireContext())
+        if (bmgr.canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_STRONG) != BiometricManager.BIOMETRIC_SUCCESS) {
+            setTapMode(true, item)
+            return
+        }
+        val prompt = BiometricPrompt(this, ContextCompat.getMainExecutor(requireContext()),
+            object : BiometricPrompt.AuthenticationCallback() {
+                override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                    setTapMode(true, item)
+                }
+                override fun onAuthenticationError(errorCode: Int, errString: CharSequence) { }
+            })
+        prompt.authenticate(
+            BiometricPrompt.PromptInfo.Builder()
+                .setTitle(getString(R.string.card_pay_nfc))
+                .setSubtitle(item.account.accountBriefName)
+                .setNegativeButtonText(getString(R.string.cancel))
+                .build()
+        )
+    }
+
+    private fun enterTapMode(item: CardItem.Bml) {
+        // Bind card data to the shared manage card view
+        val cv = binding.manageCardView
+        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
+
+        // Snapshot carousel card position before layout changes (for animation)
+        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()
+
+        carouselCardLayoutTop = srcScreenTop
+        carouselCardCenterX = srcCenterX
+        carouselTextLayoutTop = textSrcScreenTop
+
+        // Apply layout changes
+        binding.btnManageCard.visibility = View.GONE
+        binding.topSpacer.visibility = View.GONE
+        binding.rvCards.visibility = View.GONE
+        binding.pageIndicator.visibility = View.GONE
+        binding.divider.visibility = View.GONE
+        binding.llPayButtons.visibility = View.GONE
+        binding.llManageButtons.visibility = View.GONE
+        binding.llDefaultCardRow.visibility = View.GONE
+        binding.manageCardView.root.visibility = View.VISIBLE
+        binding.flTapMode.visibility = View.VISIBLE
+
+        // Build tap mode content: animation view + cancel button
+        binding.flTapMode.removeAllViews()
+        val animView = NfcTapAnimationView(requireContext())
+        tapAnimView = animView
+
+        val dp = resources.displayMetrics.density
+        val cancelBtn = (layoutInflater.inflate(R.layout.view_cancel_button, null, false) as MaterialButton).apply {
+            setOnClickListener { setTapMode(false) }
+        }
+
+        val colorOutlineVariant = MaterialColors.getColor(
+            requireContext(), com.google.android.material.R.attr.colorOutlineVariant, android.graphics.Color.LTGRAY
+        )
+        val tapDivider = View(requireContext()).apply {
+            setBackgroundColor(colorOutlineVariant)
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, dp.toInt().coerceAtLeast(1)
+            ).also {
+                it.marginStart = (24 * dp).toInt()
+                it.marginEnd = (24 * dp).toInt()
+                it.bottomMargin = (4 * dp).toInt()
+            }
+        }
+
+        val baseCancelPaddingBottom = (24 * dp).toInt()
+        val cancelWrapper = LinearLayout(requireContext()).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding((16 * dp).toInt(), (8 * dp).toInt(), (16 * dp).toInt(), baseCancelPaddingBottom)
+            addView(cancelBtn, LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT))
+        }
+        ViewCompat.setOnApplyWindowInsetsListener(cancelWrapper) { v, insets ->
+            val bottomNav = activity?.findViewById<View>(R.id.bottomNavigation)
+            val navBarBottom = if (bottomNav?.visibility == View.VISIBLE) 0
+                               else insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            v.setPadding((16 * dp).toInt(), (8 * dp).toInt(), (16 * dp).toInt(), baseCancelPaddingBottom + navBarBottom)
+            insets
+        }
+        val container = LinearLayout(requireContext()).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = ViewGroup.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.MATCH_PARENT)
+            addView(View(requireContext()).apply {  // spacer pushes content below card
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, 0, 1f)
+            })
+            addView(animView.apply {
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, 0, 3f)
+            })
+            addView(tapDivider)
+            addView(cancelWrapper.apply {
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT)
+            })
+        }
+        binding.flTapMode.addView(container)
+
+        // Animate card up from carousel position (same as manage mode)
+        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
+
+            mgr.pivotX = mgr.width / 2f
+            mgr.pivotY = 0f
+            mgr.scaleX = if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f
+            mgr.scaleY = mgr.scaleX
+            mgr.translationX = srcCenterX - dstCenterX
+            mgr.translationY = srcScreenTop - dstTop
+
+            mgr.animate()
+                .scaleX(1f).scaleY(1f)
+                .translationX(0f).translationY(0f)
+                .setDuration(380).setInterpolator(DecelerateInterpolator()).start()
+
+            val textDstLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+            binding.tvSelectedCardType.translationY = textSrcScreenTop - (textDstLoc[1] - contentLoc[1]).toFloat()
+            binding.tvSelectedCardType.animate()
+                .translationY(0f)
+                .setDuration(380).setInterpolator(DecelerateInterpolator()).start()
+        }
+
+        fetchAndArmToken(item)
+    }
+
+    private fun exitTapMode() {
+        tapAnimView?.stopAnimation()
+        tapAnimView = null
+        BmlHostCardEmulatorService.clearToken()
+        BmlHostCardEmulatorService.onTransactionComplete = null
+
+        binding.manageCardView.root.animate().cancel()
+        binding.tvSelectedCardType.animate().cancel()
+
+        val mgr = binding.manageCardView.root
+        val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
+        val mgrLoc = IntArray(2).also { mgr.getLocationOnScreen(it) }
+        val mgrLayoutTop = (mgrLoc[1] - contentLoc[1]).toFloat() - mgr.translationY
+        val mgrLayoutCenterX = (mgrLoc[0] - contentLoc[0]).toFloat() - mgr.translationX + mgr.width / 2f
+
+        val textLoc = IntArray(2).also { binding.tvSelectedCardType.getLocationOnScreen(it) }
+        val textLayoutTop = (textLoc[1] - contentLoc[1]).toFloat() - binding.tvSelectedCardType.translationY
+
+        mgr.pivotX = mgr.width / 2f
+        mgr.pivotY = 0f
+
+        mgr.animate()
+            .scaleX(if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f)
+            .scaleY(if (mgr.width > 0) cardWidth.toFloat() / mgr.width.toFloat() else 1f)
+            .translationX(carouselCardCenterX - mgrLayoutCenterX)
+            .translationY(carouselCardLayoutTop - mgrLayoutTop)
+            .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.flTapMode.visibility = View.GONE
+                binding.flTapMode.removeAllViews()
+                binding.btnManageCard.visibility = View.VISIBLE
+                binding.topSpacer.visibility = View.VISIBLE
+                binding.rvCards.visibility = View.VISIBLE
+                binding.divider.visibility = View.VISIBLE
+                binding.llPayButtons.visibility = View.VISIBLE
+                buildDots(cards.size, currentCardPosition)
+            }
+            .start()
+
+        binding.tvSelectedCardType.animate()
+            .translationY(carouselTextLayoutTop - textLayoutTop)
+            .setDuration(320)
+            .setInterpolator(AccelerateInterpolator())
+            .withEndAction { binding.tvSelectedCardType.translationY = 0f }
+            .start()
+    }
+
+    private fun fetchAndArmToken(item: CardItem.Bml) {
+        val app = requireActivity().application as BasedBankApp
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val loginId = item.account.loginTag.removePrefix("bml_")
+            val session = app.bmlSessionFor(item.account)
+            val otpSeed = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
+
+            if (session == null || otpSeed == null) {
+                if (isTapMode) {
+                    Toast.makeText(requireContext(),
+                        if (session == null) getString(R.string.transfer_session_unavailable)
+                        else "OTP unavailable",
+                        Toast.LENGTH_SHORT).show()
+                    setTapMode(false)
+                }
+                return@launch
+            }
+
+            (activity as? HomeActivity)?.setRefreshing(true)
+            val otp = Totp.generate(otpSeed)
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlTapToPayClient().fetchTokens(session, item.account.internalId, otp) }
+            }
+            (activity as? HomeActivity)?.setRefreshing(false)
+            val token = result.getOrNull()?.firstOrNull()
+
+            if (!isTapMode) return@launch  // user cancelled while we were fetching
+
+            if (token == null) {
+                if (isTapMode) {
+                    Toast.makeText(requireContext(),
+                        result.exceptionOrNull()?.message ?: "Failed to get payment token",
+                        Toast.LENGTH_SHORT).show()
+                    setTapMode(false)
+                }
+                return@launch
+            }
+
+            BmlHostCardEmulatorService.setToken(token)
+            BmlHostCardEmulatorService.onTransactionComplete = { success ->
+                view?.post {
+                    if (!isTapMode) return@post
+                    setTapMode(false)
+                    if (success) {
+                        Toast.makeText(requireContext(), "Payment complete", Toast.LENGTH_SHORT).show()
+                        (activity as? HomeActivity)?.triggerRefresh()
+                    }
+                }
+            }
+        }
+    }
+
     private fun rebuildCards() {
         // Remember which card is currently selected by identity so we can restore position after reorder
         val currentCard = cards.getOrNull(currentCardPosition)
@@ -386,7 +900,11 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         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
+        val bmlActive = bmlItems.filter { it.account.statusDesc.equals("Active", ignoreCase = true) }
+        val bmlInactive = bmlItems.filter { !it.account.statusDesc.equals("Active", ignoreCase = true) }
+        val mibActive = mibItems.filter { isMibCardActive(it.card.cardStatus) }
+        val mibInactive = mibItems.filter { !isMibCardActive(it.card.cardStatus) }
+        val all: List<CardItem> = bmlActive + mibActive + bmlInactive + mibInactive
         // Move default BML card to front
         cards = if (defaultNum != null) {
             val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
@@ -411,6 +929,32 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             buildDots(cards.size, currentCardPosition)
             updateCardInfo(currentCardPosition)
         }
+
+        // Auto-enter tap mode when launched from shortcut, NFC prompt, or dashboard
+        if (!autoTapModeTriggered && arguments?.getBoolean(ARG_AUTO_TAP_MODE) == true) {
+            val targetAccount = arguments?.getString(ARG_AUTO_TAP_ACCOUNT)
+            val targetCard = if (targetAccount != null)
+                cards.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == targetAccount }
+            else
+                cards.filterIsInstance<CardItem.Bml>().firstOrNull()
+            if (targetCard != null) {
+                autoTapModeTriggered = true
+                // Scroll to the target card first
+                val pos = cards.indexOf(targetCard)
+                if (pos >= 0) {
+                    currentCardPosition = pos
+                    binding.rvCards.scrollToPosition(pos)
+                }
+                NfcPaymentUtil.checkAndProceed(requireContext()) {
+                    val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                    if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                        showBiometricPromptForTap(targetCard)
+                    } else {
+                        setTapMode(true, targetCard)
+                    }
+                }
+            }
+        }
     }
 
     private fun applyCardScales() {
@@ -432,7 +976,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
     }
 
     private fun buildDots(count: Int, selected: Int) {
-        if (isManageMode) return
+        if (isManageMode || isTapMode) return
         binding.pageIndicator.removeAllViews()
         if (count <= 1) {
             binding.pageIndicator.visibility = View.GONE
@@ -465,9 +1009,17 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             is CardItem.Mib -> item.card.cardTypeDesc
             is CardItem.Bml -> item.account.accountTypeName
         }
+        val isInactiveBml = item is CardItem.Bml && !item.account.statusDesc.equals("Active", ignoreCase = true)
+        val nfcAvailable = android.nfc.NfcAdapter.getDefaultAdapter(requireContext()) != null
+        binding.btnTapToPay.isEnabled = !isInactiveBml && nfcAvailable
+        binding.btnScanToPay.isEnabled = !isInactiveBml
     }
 
     fun onBackPressed(): Boolean {
+        if (isTapMode) {
+            setTapMode(false)
+            return true
+        }
         if (isManageMode) {
             setManageMode(false)
             return true
@@ -475,12 +1027,28 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         return false
     }
 
+    override fun onPause() {
+        super.onPause()
+        if (isTapMode) {
+            BmlHostCardEmulatorService.clearToken()
+            BmlHostCardEmulatorService.onTransactionComplete = null
+        }
+    }
+
     override fun onResume() {
         super.onResume()
-        requireActivity().title = getString(R.string.nav_pay_with_card)
+        requireActivity().title = getString(when {
+            isTapMode -> R.string.card_pay_nfc
+            isManageMode -> R.string.card_manage
+            else -> R.string.nav_pay_with_card
+        })
     }
 
     override fun onDestroyView() {
+        tapAnimView?.stopAnimation()
+        tapAnimView = null
+        BmlHostCardEmulatorService.clearToken()
+        BmlHostCardEmulatorService.onTransactionComplete = null
         super.onDestroyView()
         _binding = null
     }
@@ -527,7 +1095,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                         if (assetPath != null) loadCardImage(ivCardImage, assetPath)
                         else ivCardImage.setImageDrawable(null)
                         bindCardStatus(tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
-                        itemView.alpha = 1f
+                        itemView.alpha = if (isMibCardActive(item.card.cardStatus)) 1f else 0.45f
                     }
                     is CardItem.Bml -> {
                         tvCardOwner.text = item.account.accountBriefName
@@ -542,7 +1110,103 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         }
     }
 
+    // ── NFC animation view ─────────────────────────────────────────────────────
+
+    private inner class NfcTapAnimationView(context: Context) : View(context) {
+
+        private val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+        private val animator = ValueAnimator.ofFloat(0f, 1f).apply {
+            duration = 1600
+            repeatCount = ValueAnimator.INFINITE
+            repeatMode = ValueAnimator.RESTART
+            addUpdateListener { invalidate() }
+            start()
+        }
+
+        fun stopAnimation() = animator.cancel()
+
+        override fun onDraw(canvas: Canvas) {
+            val w = width.toFloat(); val h = height.toFloat()
+            if (w <= 0f || h <= 0f) return
+
+            val dp = resources.displayMetrics.density
+            val progress = animator.animatedFraction
+            val cx = w / 2f; val cy = h / 2f + 24 * dp
+
+            val colorOnSurface = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.BLACK)
+            val colorPrimary = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorPrimary, android.graphics.Color.BLUE)
+            val colorSurfaceVariant = MaterialColors.getColor(this,
+                com.google.android.material.R.attr.colorSurfaceVariant, android.graphics.Color.LTGRAY)
+
+            // POS terminal (top center)
+            val posW = 44 * dp; val posH = 72 * dp
+            val posX = cx - posW / 2f; val posY = cy - 170 * dp
+
+            // Phone (bottom center)
+            val phoneW = 52 * dp; val phoneH = 90 * dp
+            val phoneX = cx - phoneW / 2f; val phoneY = cy + 30 * dp
+
+            // POS terminal body
+            paint.style = Paint.Style.FILL; paint.color = colorSurfaceVariant
+            canvas.drawRoundRect(posX, posY, posX + posW, posY + posH, 7 * dp, 7 * dp, paint)
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2.5f * dp; paint.color = colorOnSurface
+            canvas.drawRoundRect(posX, posY, posX + posW, posY + posH, 7 * dp, 7 * dp, paint)
+
+            // POS screen
+            paint.style = Paint.Style.FILL; paint.color = colorPrimary; paint.alpha = 70
+            canvas.drawRoundRect(posX + 4 * dp, posY + 6 * dp,
+                posX + posW - 4 * dp, posY + posH * 0.45f, 4 * dp, 4 * dp, paint)
+            paint.alpha = 255
+
+            // POS card slot
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2 * dp; paint.color = colorOnSurface
+            canvas.drawLine(posX + 6 * dp, posY + posH * 0.72f, posX + posW - 6 * dp, posY + posH * 0.72f, paint)
+
+            // Phone body
+            paint.style = Paint.Style.FILL; paint.color = colorSurfaceVariant
+            canvas.drawRoundRect(phoneX, phoneY, phoneX + phoneW, phoneY + phoneH, 8 * dp, 8 * dp, paint)
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 2.5f * dp; paint.color = colorOnSurface
+            canvas.drawRoundRect(phoneX, phoneY, phoneX + phoneW, phoneY + phoneH, 8 * dp, 8 * dp, paint)
+
+            // Phone screen
+            paint.style = Paint.Style.FILL; paint.color = colorPrimary; paint.alpha = 70
+            canvas.drawRoundRect(phoneX + 4 * dp, phoneY + 10 * dp,
+                phoneX + phoneW - 4 * dp, phoneY + phoneH - 15 * dp, 4 * dp, 4 * dp, paint)
+            paint.alpha = 255
+
+            // Animated NFC rings originating from phone top, travelling upward toward POS
+            val gapTop = posY + posH + 4 * dp
+            val originY = phoneY
+            val maxR = (originY - gapTop) - 4 * dp
+            paint.style = Paint.Style.STROKE; paint.strokeWidth = 3 * dp
+            for (i in 0..2) {
+                val p = ((progress + i / 3f) % 1f)
+                val r = (p * maxR + 6 * dp).coerceAtMost(maxR)
+                paint.color = colorPrimary; paint.alpha = ((1f - p) * 200).toInt().coerceIn(0, 255)
+                canvas.drawArc(RectF(cx - r, originY - r, cx + r, originY + r), -160f, 140f, false, paint)
+            }
+            paint.alpha = 255
+
+            // Label
+            paint.style = Paint.Style.FILL; paint.color = colorOnSurface; paint.alpha = 160
+            paint.textSize = 15 * dp; paint.textAlign = Paint.Align.CENTER
+            canvas.drawText(context.getString(R.string.card_pay_nfc), cx, phoneY + phoneH + 28 * dp, paint)
+            paint.alpha = 255; paint.textAlign = Paint.Align.LEFT
+        }
+    }
+
     companion object {
+        private const val ARG_AUTO_TAP_MODE = "auto_tap_mode"
+        private const val ARG_AUTO_TAP_ACCOUNT = "auto_tap_account"
+        fun newInstanceWithAutoTapMode(accountNumber: String? = null) = CardsFragment().apply {
+            arguments = Bundle().apply {
+                putBoolean(ARG_AUTO_TAP_MODE, true)
+                if (accountNumber != null) putString(ARG_AUTO_TAP_ACCOUNT, accountNumber)
+            }
+        }
+
         fun cardImageAsset(card: MibCard): String? = when (card.cardType) {
             "51" -> "cards/mib/faisa_card.png"
             "53" -> "cards/mib/visa_black_platinum.png"
@@ -566,9 +1230,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
 
         fun mibCardStatusLabel(cardStatus: String): String? = when (cardStatus) {
             "CHST0" -> null
+            "CHST20" -> "Temporary blocked by client"
             else -> cardStatus
         }
 
+        fun isMibCardActive(cardStatus: String): Boolean = cardStatus == "CHST0"
+        fun isMibCardFrozen(cardStatus: String): Boolean = cardStatus == "CHST20"
+
         fun bindCardStatus(tv: TextView, statusLabel: String?) {
             if (statusLabel == null) { tv.visibility = View.GONE; return }
             tv.visibility = View.VISIBLE

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

@@ -106,6 +106,8 @@ class QrScannerActivity : AppCompatActivity() {
         }
 
         WindowCompat.setDecorFitsSystemWindows(window, false)
+        window.statusBarColor = android.graphics.Color.TRANSPARENT
+        window.navigationBarColor = android.graphics.Color.TRANSPARENT
         binding = ActivityQrScannerBinding.inflate(layoutInflater)
         setContentView(binding.root)
         // Black camera background — always use light (white) system bar icons

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

@@ -0,0 +1,80 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.content.Intent
+import android.net.Uri
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.BuildConfig
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentSettingsAboutBinding
+
+class SettingsAboutFragment : Fragment() {
+
+    private var _binding: FragmentSettingsAboutBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsAboutBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
+        binding.tvAppName.text = getString(R.string.app_name)
+        binding.tvVersion.text = getString(R.string.about_version, BuildConfig.VERSION_NAME)
+
+        binding.rowMibTerms.setOnClickListener { openUrl("https://faisanet.mib.com.mv/terms") }
+        binding.rowBmlTerms.setOnClickListener { openUrl("https://www.bankofmaldives.com.mv/storage/file/121/10289/terms-conditions-online-banking-en.pdf") }
+        binding.rowFahipayTerms.setOnClickListener { openUrl("https://fahipay.mv/tos/") }
+
+        val hasMvr = BuildConfig.ACCOUNT_MVR.isNotEmpty()
+        val hasUsd = BuildConfig.ACCOUNT_USD.isNotEmpty()
+
+        if (!hasMvr && !hasUsd) {
+            binding.sectionDonate.visibility = View.GONE
+        } else {
+            if (!hasMvr) binding.btnDonateMvr.visibility = View.GONE
+            else binding.btnDonateMvr.setOnClickListener { openDonate(BuildConfig.ACCOUNT_MVR) }
+            if (!hasUsd) binding.btnDonateUsd.visibility = View.GONE
+            else binding.btnDonateUsd.setOnClickListener { openDonate(BuildConfig.ACCOUNT_USD) }
+        }
+    }
+
+    private fun openUrl(url: String) {
+        startActivity(Intent(Intent.ACTION_VIEW, Uri.parse(url)))
+    }
+
+    private fun openDonate(accountNumber: String) {
+        val fragment = TransferFragment.newInstance(
+            accountNumber = accountNumber,
+            displayName = getString(R.string.app_name),
+            subtitle = accountNumber,
+            colorHex = "#607D8B",
+            imageHash = null
+        )
+        (requireActivity() as HomeActivity).showWithBackStack(fragment)
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_about)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

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

@@ -2,6 +2,7 @@ package sh.sar.basedbank.ui.home
 
 import android.content.Context
 import android.content.SharedPreferences
+import android.content.res.Configuration
 import android.graphics.Color
 import android.os.Bundle
 import android.text.InputType
@@ -16,6 +17,8 @@ import android.widget.Toast
 import androidx.appcompat.app.AppCompatDelegate
 import androidx.appcompat.app.AppCompatDelegate.setApplicationLocales
 import androidx.core.os.LocaleListCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.recyclerview.widget.ItemTouchHelper
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -36,8 +39,10 @@ class SettingsAppearanceFragment : Fragment() {
     private lateinit var prefs: SharedPreferences
     private val slots = mutableListOf<Int>()
     private val quickActions = mutableListOf<Int>()
+    private val circularSlots = mutableListOf<Int>()
     private lateinit var slotAdapter: NavItemAdapter
     private lateinit var quickActionAdapter: NavItemAdapter
+    private lateinit var circularSlotAdapter: NavItemAdapter
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentSettingsAppearanceBinding.inflate(inflater, container, false)
@@ -46,13 +51,30 @@ class SettingsAppearanceFragment : Fragment() {
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = prefs.getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
 
         // Navigation mode
-        val isBottom = prefs.getBoolean("bottom_nav", false)
-        binding.navModeToggle.check(if (isBottom) R.id.btnNavBottom else R.id.btnNavDrawer)
+        val currentMode = NavCustomization.getNavMode(prefs)
+        binding.navModeToggle.check(when (currentMode) {
+            NavCustomization.NAV_MODE_BOTTOM   -> R.id.btnNavBottom
+            NavCustomization.NAV_MODE_CIRCULAR -> R.id.btnNavCircular
+            else                               -> R.id.btnNavDrawer
+        })
         binding.navModeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
             if (!isChecked) return@addOnButtonCheckedListener
-            prefs.edit().putBoolean("bottom_nav", checkedId == R.id.btnNavBottom).apply()
+            val mode = when (checkedId) {
+                R.id.btnNavBottom   -> NavCustomization.NAV_MODE_BOTTOM
+                R.id.btnNavCircular -> NavCustomization.NAV_MODE_CIRCULAR
+                else                -> NavCustomization.NAV_MODE_DRAWER
+            }
+            NavCustomization.saveNavMode(prefs, mode)
             (activity as? HomeActivity)?.applyNavMode()
             updateShortcutsVisibility()
         }
@@ -63,10 +85,22 @@ class SettingsAppearanceFragment : Fragment() {
         quickActionAdapter = NavItemAdapter(
             items = quickActions,
             onSave = { NavCustomization.saveQuickActions(prefs, quickActions) },
-            isEnabled = { !prefs.getBoolean("bottom_nav", false) }
+            isEnabled = { NavCustomization.getNavMode(prefs) != NavCustomization.NAV_MODE_BOTTOM }
         )
         setupNavItemRecyclerView(binding.rvQuickActions, quickActionAdapter, quickActions) {
-            !prefs.getBoolean("bottom_nav", false)
+            NavCustomization.getNavMode(prefs) != NavCustomization.NAV_MODE_BOTTOM
+        }
+
+        // Circular nav shortcuts
+        circularSlots.clear()
+        circularSlots.addAll(NavCustomization.getCircularSlots(prefs))
+        circularSlotAdapter = NavItemAdapter(
+            items = circularSlots,
+            onSave = { NavCustomization.saveCircularSlots(prefs, circularSlots) },
+            isEnabled = { NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_CIRCULAR }
+        )
+        setupNavItemRecyclerView(binding.rvCircularSlots, circularSlotAdapter, circularSlots) {
+            NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_CIRCULAR
         }
 
         // Bottom bar shortcuts
@@ -78,10 +112,10 @@ class SettingsAppearanceFragment : Fragment() {
                 NavCustomization.saveSlots(prefs, slots)
                 (activity as? HomeActivity)?.rebuildBottomNav(prefs)
             },
-            isEnabled = { prefs.getBoolean("bottom_nav", false) }
+            isEnabled = { NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_BOTTOM }
         )
         setupNavItemRecyclerView(binding.rvNavSlots, slotAdapter, slots) {
-            prefs.getBoolean("bottom_nav", false)
+            NavCustomization.getNavMode(prefs) == NavCustomization.NAV_MODE_BOTTOM
         }
         // Show labels toggle
         val showLabels = prefs.getBoolean("bottom_nav_show_labels", true)
@@ -102,6 +136,7 @@ class SettingsAppearanceFragment : Fragment() {
         })
         binding.themeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
             if (!isChecked) return@addOnButtonCheckedListener
+            val previousKey = prefs.getString("theme", "system")
             val (key, mode) = when (checkedId) {
                 R.id.btnThemeLight -> "light" to AppCompatDelegate.MODE_NIGHT_NO
                 R.id.btnThemeDark  -> "dark"  to AppCompatDelegate.MODE_NIGHT_YES
@@ -111,6 +146,16 @@ class SettingsAppearanceFragment : Fragment() {
             AppCompatDelegate.setDefaultNightMode(mode)
             updateAccentState(key == "system")
             updatePitchBlackState(key == "dark")
+            if (key == "system") {
+                requireActivity().recreate()
+            } else if (previousKey == "system") {
+                // setDefaultNightMode only recreates if the effective mode changes.
+                // If system was already dark and we switch to dark (or light→light),
+                // no recreation is triggered and the custom accent never gets applied.
+                val currentIsNight = (resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+                val newIsNight = mode == AppCompatDelegate.MODE_NIGHT_YES
+                if (currentIsNight == newIsNight) requireActivity().recreate()
+            }
         }
 
         // Pitch black
@@ -125,7 +170,7 @@ class SettingsAppearanceFragment : Fragment() {
         // Accent color
         val savedPreset = prefs.getString("accent_preset", ThemeHelper.PRESET_BLUE)
         binding.accentToggle.check(when (savedPreset) {
-            ThemeHelper.PRESET_RED -> R.id.btnAccentOrange
+            ThemeHelper.PRESET_RED    -> R.id.btnAccentOrange
             ThemeHelper.PRESET_GREEN  -> R.id.btnAccentGreen
             ThemeHelper.PRESET_CUSTOM -> R.id.btnAccentCustom
             else                      -> R.id.btnAccentBlue
@@ -191,11 +236,15 @@ class SettingsAppearanceFragment : Fragment() {
     }
 
     private fun updateShortcutsVisibility() {
-        val isBottom = prefs.getBoolean("bottom_nav", false)
-        binding.sectionQuickActions.alpha = if (isBottom) 0.38f else 1f
+        val mode = NavCustomization.getNavMode(prefs)
+        val isBottom = mode == NavCustomization.NAV_MODE_BOTTOM
+        val isCircular = mode == NavCustomization.NAV_MODE_CIRCULAR
+        binding.sectionQuickActions.alpha = if (!isBottom) 1f else 0.38f
+        binding.sectionCircularSlots.alpha = if (isCircular) 1f else 0.38f
         binding.sectionBottomBarShortcuts.alpha = if (isBottom) 1f else 0.38f
         binding.switchShowLabels.isClickable = isBottom
         quickActionAdapter.notifyDataSetChanged()
+        circularSlotAdapter.notifyDataSetChanged()
         slotAdapter.notifyDataSetChanged()
     }
 
@@ -262,9 +311,10 @@ class SettingsAppearanceFragment : Fragment() {
     }
 
     private fun showItemPicker(items: MutableList<Int>, slotIndex: Int, adapter: NavItemAdapter) {
-        val isBottom = prefs.getBoolean("bottom_nav", false)
-        if (items === slots && !isBottom) return
-        if (items === quickActions && isBottom) return
+        val mode = NavCustomization.getNavMode(prefs)
+        if (items === slots && mode != NavCustomization.NAV_MODE_BOTTOM) return
+        if (items === quickActions && mode == NavCustomization.NAV_MODE_BOTTOM) return
+        if (items === circularSlots && mode != NavCustomization.NAV_MODE_CIRCULAR) return
         val ctx = requireContext()
         val otherIds = items.filterIndexed { i, _ -> i != slotIndex }.toSet()
         val available = NavCustomization.ALL_SWAPPABLE.filter { it.id !in otherIds }

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

@@ -9,6 +9,8 @@ import android.widget.LinearLayout
 import android.widget.TextView
 import androidx.annotation.DrawableRes
 import androidx.annotation.StringRes
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import sh.sar.basedbank.R
 
@@ -25,13 +27,23 @@ class SettingsFragment : Fragment() {
         SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins,          R.string.settings_desc_logins)           { SettingsLoginsFragment() },
         SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance,       R.string.settings_desc_appearance)       { SettingsAppearanceFragment() },
         SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security, R.string.settings_desc_privacy_security) { SettingsSecurityFragment() },
+        SettingsItem(R.drawable.ic_bell_filled,          R.string.settings_notifications,    R.string.settings_desc_notifications)    { SettingsNotificationsFragment() },
         SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage,          R.string.settings_desc_storage)          { SettingsStorageFragment() },
+        SettingsItem(R.drawable.ic_info,                R.string.settings_about,             R.string.settings_desc_about)            { SettingsAboutFragment() },
     )
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
         inflater.inflate(R.layout.fragment_settings, container, false)
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (view as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
         val list = view.findViewById<LinearLayout>(R.id.settingsList)
         val inflater = LayoutInflater.from(requireContext())
         for (item in items) {

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

@@ -20,6 +20,8 @@ import android.widget.TextView
 import androidx.activity.result.contract.ActivityResultContracts
 import androidx.core.content.ContextCompat
 import androidx.core.content.FileProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
@@ -333,6 +335,14 @@ class SettingsLoginsFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
         binding.btnAddAccount.setOnClickListener {
             startActivity(Intent(requireContext(), LoginActivity::class.java))
         }

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

@@ -0,0 +1,203 @@
+package sh.sar.basedbank.ui.home
+
+import android.Manifest
+import android.content.Context
+import android.content.Intent
+import android.content.pm.PackageManager
+import android.graphics.Color
+import android.net.Uri
+import android.os.Build
+import android.os.Bundle
+import android.os.PowerManager
+import android.provider.Settings
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.ScrollView
+import android.widget.TextView
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.appcompat.widget.SwitchCompat
+import androidx.core.content.ContextCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import com.google.android.material.color.MaterialColors
+import sh.sar.basedbank.R
+import sh.sar.basedbank.service.NotificationPollingService
+
+class SettingsNotificationsFragment : Fragment() {
+
+    private var switchView: SwitchCompat? = null
+
+    // Step 1: notification permission — on grant, proceed to battery opt check
+    private val permissionLauncher = registerForActivityResult(
+        ActivityResultContracts.RequestPermission()
+    ) { granted ->
+        if (granted) checkBatteryOptimization() else switchView?.isChecked = false
+    }
+
+    // Step 2: battery optimization — proceed to enableService regardless of user choice
+    private val batteryOptLauncher = registerForActivityResult(
+        ActivityResultContracts.StartActivityForResult()
+    ) {
+        enableService()
+    }
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+
+        val scroll = ScrollView(ctx).apply { clipToPadding = false }
+
+        val col = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = ViewGroup.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT)
+            val p = (20 * dp).toInt()
+            setPadding(p, p, p, p)
+        }
+
+        // Section header
+        col.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_section)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+            setTextColor(MaterialColors.getColor(this, com.google.android.material.R.attr.colorPrimary, Color.CYAN))
+            setPadding(0, 0, 0, (12 * dp).toInt())
+        })
+
+        // Enable toggle row
+        val sw = SwitchCompat(ctx).apply {
+            isChecked = prefs.getBoolean(PREF_ENABLED, false)
+        }
+        switchView = sw
+        sw.setOnCheckedChangeListener { _, on -> if (on) requestEnableNotifications() else disableService() }
+
+        val toggleRow = LinearLayout(ctx).apply {
+            orientation = LinearLayout.HORIZONTAL
+            gravity = Gravity.CENTER_VERTICAL
+            layoutParams = LinearLayout.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT)
+            val vp = (10 * dp).toInt()
+            setPadding(0, vp, 0, vp)
+        }
+        val textCol = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = LinearLayout.LayoutParams(0, ViewGroup.LayoutParams.WRAP_CONTENT, 1f)
+        }
+        textCol.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_enable)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+        })
+        textCol.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_enable_desc)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.65f
+        })
+        toggleRow.addView(textCol)
+        toggleRow.addView(sw.apply {
+            layoutParams = (layoutParams as? LinearLayout.LayoutParams ?: LinearLayout.LayoutParams(
+                ViewGroup.LayoutParams.WRAP_CONTENT, ViewGroup.LayoutParams.WRAP_CONTENT
+            )).also { it.marginStart = (12 * dp).toInt() }
+        })
+        col.addView(toggleRow)
+
+        // Description
+        col.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_description)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.65f
+            setPadding(0, (4 * dp).toInt(), 0, (20 * dp).toInt())
+        })
+
+        // Notification channels nav row — same style as settings menu items
+        val colPad = (20 * dp).toInt()
+        val navRow = inflater.inflate(R.layout.item_more_nav, col, false).apply {
+            layoutParams = (layoutParams as LinearLayout.LayoutParams).apply {
+                marginStart = -colPad
+                marginEnd = -colPad
+                topMargin = (8 * dp).toInt()
+            }
+            findViewById<ImageView>(R.id.ivIcon).setImageResource(R.drawable.ic_bell_filled)
+            findViewById<TextView>(R.id.tvLabel).setText(R.string.settings_notif_open_system)
+            findViewById<TextView>(R.id.tvDescription).setText(R.string.settings_notif_channels_desc)
+            setOnClickListener {
+                startActivity(Intent(Settings.ACTION_APP_NOTIFICATION_SETTINGS).apply {
+                    putExtra(Settings.EXTRA_APP_PACKAGE, ctx.packageName)
+                })
+            }
+        }
+        col.addView(navRow)
+
+        scroll.addView(col)
+        return scroll
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val basePad = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
+            val isBottom = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .getBoolean("bottom_nav", false)
+            val nav = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePad + if (isBottom) 0 else nav.bottom)
+            insets
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_notifications)
+    }
+
+    override fun onDestroyView() {
+        switchView = null
+        super.onDestroyView()
+    }
+
+    // ── Enable flow ───────────────────────────────────────────────────────────────
+
+    private fun requestEnableNotifications() {
+        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.TIRAMISU &&
+            ContextCompat.checkSelfPermission(requireContext(), Manifest.permission.POST_NOTIFICATIONS)
+                != PackageManager.PERMISSION_GRANTED) {
+            permissionLauncher.launch(Manifest.permission.POST_NOTIFICATIONS)
+            return
+        }
+        checkBatteryOptimization()
+    }
+
+    private fun checkBatteryOptimization() {
+        val ctx = requireContext()
+        val pm = ctx.getSystemService(Context.POWER_SERVICE) as PowerManager
+        if (!pm.isIgnoringBatteryOptimizations(ctx.packageName)) {
+            batteryOptLauncher.launch(
+                Intent(Settings.ACTION_REQUEST_IGNORE_BATTERY_OPTIMIZATIONS).apply {
+                    data = Uri.parse("package:${ctx.packageName}")
+                }
+            )
+            return
+        }
+        enableService()
+    }
+
+    private fun enableService() {
+        val ctx = requireContext()
+        ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+            .edit().putBoolean(PREF_ENABLED, true).apply()
+        ctx.startForegroundService(Intent(ctx, NotificationPollingService::class.java))
+        switchView?.isChecked = true
+    }
+
+    private fun disableService() {
+        val ctx = requireContext()
+        ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+            .edit().putBoolean(PREF_ENABLED, false).apply()
+        ctx.stopService(Intent(ctx, NotificationPollingService::class.java))
+        switchView?.isChecked = false
+    }
+
+    companion object {
+        const val PREF_ENABLED = "notifications_enabled"
+    }
+}

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

@@ -6,6 +6,8 @@ import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import androidx.biometric.BiometricManager
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentSettingsSecurityBinding
@@ -22,6 +24,14 @@ class SettingsSecurityFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
 
         // Change lock

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

@@ -6,6 +6,8 @@ import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import sh.sar.basedbank.R
@@ -31,6 +33,14 @@ class SettingsStorageFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
         binding.btnClearCache.setOnClickListener {
             val ctx = requireContext()
             clearAllCaches(ctx)

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

@@ -86,15 +86,25 @@ class TransferFragment : Fragment() {
     private var resolvedAccountNumber = ""
     private var resolvedRecipientName = ""
     private var resolvedBankName = ""
+    private var resolvedDestCurrency = ""  // "MVR" / "USD" / "" if unknown
     private var resolvedToOwnAccount: BankAccount? = null
 
     // Selected Fahipay service when source is Fahipay and destination is a phone number
     // Values: "FAHIPAY_TRANSFER", "RAASTAS", "OOREDOO_BILL"
     private var selectedFahipayService: String? = null
 
+    // Form state preserved across view destroy/create when the fragment instance is cached
+    private var savedAmount = ""
+    private var savedRemarks = ""
+    private var savedToText = ""
+    private var savedToSubtitle = ""
+    private var savedToColorHex = "#607D8B"
+    private var savedToImageHash: String? = null
+
     // BML QR merchant payment mode (set when navigated from a card QR scan)
     private var bmlQrInfo: BmlQrPayInfo? = null
     private var bmlGatewayQr = false  // true for pay.bml.com.mv QRs (requires pre-initiate step)
+    private var bmlQrLookupAttempted = false  // prevents re-lookup after user clears the merchant
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
     // BML business profile OTP flow state
@@ -125,12 +135,12 @@ class TransferFragment : Fragment() {
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
 
         // 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 bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
             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(bmlUrl ?: raw, fromCard?.accountNumber))
             return@registerForActivityResult
         }
 
@@ -139,6 +149,28 @@ class TransferFragment : Fragment() {
             Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
             return@registerForActivityResult
         }
+
+        // Cards can't pay PayMV QR — fall back to default account or clear selection
+        val isCard = selectedAccount?.let {
+            it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
+        } ?: false
+        if (isCard) {
+            Toast.makeText(requireContext(), R.string.card_qr_paymv_unsupported, Toast.LENGTH_SHORT).show()
+            val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+            val defaultAcc = defaultNum?.let { num -> viewModel.accounts.value?.firstOrNull { it.accountNumber == num } }
+            selectedAccount = defaultAcc
+            binding.tilAmount.prefixText = null
+            if (defaultAcc != null) {
+                updateAmountPrefix(defaultAcc)
+                showFromCard(defaultAcc)
+            } else {
+                binding.cardFromInfo.visibility = View.GONE
+                binding.tilFrom.visibility = View.VISIBLE
+                binding.actvFrom.setText("", false)
+            }
+            updateTransferButton()
+        }
+
         if (qr.amount != null) binding.etAmount.setText(qr.amount)
         if (qr.purpose != null) binding.etRemarks.setText(qr.purpose)
         prefillToFromContact(qr.accountNumber, "")
@@ -191,13 +223,15 @@ class TransferFragment : Fragment() {
             accountNumber: String,
             displayName: String,
             amount: String?,
-            remarks: String?
+            remarks: String?,
+            fromAccountNumber: String? = null
         ) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT, accountNumber)
                 putString(ARG_NAME, displayName)
                 putString(ARG_SUBTITLE, accountNumber)
                 putString(ARG_COLOR, "#607D8B")
+                if (fromAccountNumber != null) putString(ARG_FROM_ACCOUNT, fromAccountNumber)
                 if (amount != null) putString(ARG_AMOUNT_PREFILL, amount)
                 if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
             }
@@ -221,11 +255,27 @@ class TransferFragment : Fragment() {
 
         childFragmentManager.setFragmentResultListener(ContactPickerSheetFragment.REQUEST_KEY, viewLifecycleOwner) { _, bundle ->
             val accountNumber = bundle.getString(ContactPickerSheetFragment.KEY_ACCOUNT_NUMBER) ?: return@setFragmentResultListener
+            if (accountNumber.startsWith("bmlqr:")) {
+                lookupBmlQrMerchant(accountNumber.removePrefix("bmlqr:"))
+                return@setFragmentResultListener
+            }
             val label     = bundle.getString(ContactPickerSheetFragment.KEY_LABEL) ?: ""
             val subtitle  = bundle.getString(ContactPickerSheetFragment.KEY_SUBTITLE) ?: accountNumber
             val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
             val imageHash = bundle.getString(ContactPickerSheetFragment.KEY_IMAGE_HASH)
             prefillToDirectly(accountNumber, label, subtitle, colorHex, imageHash)
+            if (selectedAccount == null) {
+                val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+                if (defaultNum != null) {
+                    val defaultAcc = viewModel.accounts.value?.firstOrNull { it.accountNumber == defaultNum }
+                    if (defaultAcc != null) {
+                        selectedAccount = defaultAcc
+                        updateAmountPrefix(defaultAcc)
+                        showFromCard(defaultAcc)
+                        updateTransferButton()
+                    }
+                }
+            }
         }
 
         binding.btnPickContact.setOnClickListener {
@@ -265,9 +315,37 @@ class TransferFragment : Fragment() {
         if (arguments?.getBoolean(ARG_AUTO_SCAN, false) == true) {
             qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
         }
+
+        // Restore form state when view is recreated on the cached no-args instance
+        if (arguments == null) {
+            if (resolvedAccountNumber.isNotEmpty()) {
+                val ownAccount = viewModel.accounts.value?.firstOrNull { it.accountNumber == resolvedAccountNumber }
+                if (ownAccount != null) {
+                    showToCard(ownAccount)
+                } else {
+                    binding.tvToAccountName.text = resolvedRecipientName
+                    binding.tvToBankBic.text = savedToSubtitle
+                    binding.tvToAccountDetails.visibility = View.GONE
+                    binding.tvToBalance.visibility = View.GONE
+                    binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+                    binding.ivToPhoto.setImageBitmap(makeInitialsBitmap(resolvedRecipientName, savedToColorHex))
+                }
+                binding.tilTo.visibility = View.GONE
+                binding.btnPickContact.visibility = View.GONE
+                binding.btnScanQr.visibility = View.GONE
+                binding.cardToInfo.visibility = View.VISIBLE
+                if (savedToImageHash != null) loadToPhoto(savedToImageHash!!, isProfile = resolvedToOwnAccount != null)
+            } else if (savedToText.isNotEmpty()) {
+                binding.etTo.setText(savedToText)
+            }
+            if (savedAmount.isNotEmpty()) binding.etAmount.setText(savedAmount)
+            if (savedRemarks.isNotEmpty()) binding.etRemarks.setText(savedRemarks)
+            updateTransferButton()
+        }
     }
 
     private fun lookupBmlQrMerchant(qrUrl: String) {
+        bmlQrLookupAttempted = true
         bmlGatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/")
         val base64Url = android.util.Base64.encodeToString(
             qrUrl.toByteArray(Charsets.UTF_8), android.util.Base64.NO_WRAP)
@@ -292,6 +370,16 @@ class TransferFragment : Fragment() {
                 return@launch
             }
             bmlQrInfo = info
+            if (info.amount == 0.0) {
+                RecentsCache.save(requireContext(), RecentPick(
+                    accountNumber = "bmlqr:$qrUrl",
+                    displayName   = info.merchantName,
+                    subtitle      = info.merchantAddress.ifBlank { "BML Merchant" },
+                    colorHex      = "#0066A1",
+                    imageHash     = null,
+                    isProfileImage = false
+                ))
+            }
 
             // Auto-select the user's default BML card if no card was pre-selected
             if (selectedAccount == null) {
@@ -398,6 +486,35 @@ class TransferFragment : Fragment() {
                     updateTransferButton()
                 }
             }
+
+            // Auto-select default account when arriving from contacts page (TO account already pre-filled)
+            if (selectedAccount == null && arguments?.getString(ARG_ACCOUNT) != null) {
+                val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+                if (defaultNum != null) {
+                    val defaultAcc = accounts.firstOrNull { it.accountNumber == defaultNum }
+                    if (defaultAcc != null) {
+                        selectedAccount = defaultAcc
+                        updateAmountPrefix(defaultAcc)
+                        showFromCard(defaultAcc)
+                        updateTransferButton()
+                    }
+                }
+            }
+
+            // On a cold start (e.g. share intent), anyBmlSession() may be null when
+            // onViewCreated runs. Retry the lookup once sessions are available.
+            val pendingBmlQrUrl = arguments?.getString(ARG_BML_QR_URL)
+            if (pendingBmlQrUrl != null && !bmlQrLookupAttempted) {
+                val app = requireActivity().application as BasedBankApp
+                if (app.anyBmlSession() != null) lookupBmlQrMerchant(pendingBmlQrUrl)
+            }
+
+            // Re-render the from card when the view is recreated on a cached instance
+            if (selectedAccount != null && binding.cardFromInfo.visibility != View.VISIBLE) {
+                updateAmountPrefix(selectedAccount!!)
+                showFromCard(selectedAccount!!)
+                updateTransferButton()
+            }
         }
     }
 
@@ -545,6 +662,7 @@ class TransferFragment : Fragment() {
             }
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
+            resolvedDestCurrency = ""
             resolvedToOwnAccount = null
             selectedFahipayService = null
             binding.cardToInfo.visibility = View.GONE
@@ -561,6 +679,7 @@ class TransferFragment : Fragment() {
             if (binding.cardToInfo.visibility == View.VISIBLE) {
                 resolvedAccountNumber = ""
                 resolvedRecipientName = ""
+                resolvedDestCurrency = ""
                 resolvedToOwnAccount = null
                 binding.cardToInfo.visibility = View.GONE
                 binding.tilTo.visibility = View.VISIBLE
@@ -573,8 +692,21 @@ class TransferFragment : Fragment() {
 
     private fun lookupAccount() {
         if (selectedAccount == null) {
-            Toast.makeText(requireContext(), R.string.transfer_select_source_first, Toast.LENGTH_SHORT).show()
-            return
+            val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+            if (defaultNum != null) {
+                val allAccounts = viewModel.accounts.value ?: emptyList()
+                val defaultAcc = allAccounts.firstOrNull { it.accountNumber == defaultNum }
+                if (defaultAcc != null) {
+                    selectedAccount = defaultAcc
+                    updateAmountPrefix(defaultAcc)
+                    showFromCard(defaultAcc)
+                    updateTransferButton()
+                }
+            }
+            if (selectedAccount == null) {
+                Toast.makeText(requireContext(), R.string.transfer_no_from_account, Toast.LENGTH_SHORT).show()
+                return
+            }
         }
         val accountNumber = AccountInputParser.normalize(binding.etTo.text?.toString()?.trim() ?: "")
         if (accountNumber.isBlank()) {
@@ -631,7 +763,16 @@ class TransferFragment : Fragment() {
                             "IAT" -> "MALBMVMV"
                             else  -> bmlResult.agnt ?: bmlResult.account
                         }
-                        MibIpsAccountInfo(accountName = bmlResult.name, accountNumber = bmlResult.account, bankId = bankId)
+                        // BML's MIB verify endpoint doesn't return the account's currency.
+                        // Enrich via MIB lookup when a MIB session is available.
+                        val currency = if (
+                            inputType == AccountInputParser.InputType.MIB_ACCOUNT &&
+                            bmlResult.currency.isBlank() && mibSess != null
+                        ) {
+                            try { MibTransferClient().lookup(mibSess, bmlResult.account).currency }
+                            catch (_: Exception) { "" }
+                        } else bmlResult.currency
+                        MibIpsAccountInfo(accountName = bmlResult.name, accountNumber = bmlResult.account, bankId = bankId, currency = currency)
                     } else if (mibSess != null) {
                         try { MibTransferClient().lookup(mibSess, accountNumber) }
                         catch (e: MibLookupException) { errorMsg = e.message; null }
@@ -640,21 +781,29 @@ class TransferFragment : Fragment() {
                         errorMsg = getString(R.string.transfer_account_not_found); null
                     }
                 } else {
-                    if (mibSess != null) {
+                    val mibInfo = if (mibSess != null) {
                         try { MibTransferClient().lookup(mibSess, accountNumber) }
                         catch (e: MibLookupException) { errorMsg = e.message; null }
                         catch (_: Exception) { errorMsg = getString(R.string.transfer_account_not_found); null }
-                    } else {
-                        val bmlResult = try { BmlValidateClient().validateAccount(bmlSess!!, accountNumber) } catch (_: Exception) { null }
+                    } else null
+                    if (mibInfo != null) {
+                        mibInfo
+                    } else if (bmlSess != null) {
+                        val bmlResult = try { BmlValidateClient().validateAccount(bmlSess, accountNumber) } catch (_: Exception) { null }
                         if (bmlResult != null) {
+                            errorMsg = null
                             val bankId = when (bmlResult.trnType) {
                                 "IAT" -> "MALBMVMV"
                                 else  -> bmlResult.agnt ?: bmlResult.account
                             }
-                            MibIpsAccountInfo(accountName = bmlResult.name, accountNumber = bmlResult.account, bankId = bankId)
+                            MibIpsAccountInfo(accountName = bmlResult.name, accountNumber = bmlResult.account, bankId = bankId, currency = bmlResult.currency)
                         } else {
-                            errorMsg = getString(R.string.transfer_account_not_found); null
+                            if (errorMsg == null) errorMsg = getString(R.string.transfer_account_not_found)
+                            null
                         }
+                    } else {
+                        if (errorMsg == null) errorMsg = getString(R.string.transfer_account_not_found)
+                        null
                     }
                 }
             }
@@ -670,6 +819,14 @@ class TransferFragment : Fragment() {
                 resolvedAccountNumber = info.accountNumber
                 resolvedRecipientName = info.accountName
                 resolvedBankName = info.bankId
+                resolvedDestCurrency = info.currency
+                savedToSubtitle = "${info.accountNumber} · ${info.bankId}"
+                savedToColorHex = colorHex
+                savedToImageHash = when {
+                    matchedAcc?.profileImageHash != null -> matchedAcc.profileImageHash
+                    matchedCont?.customerImgHash != null -> matchedCont.customerImgHash
+                    else -> null
+                }
 
                 if (matchedAcc != null) {
                     showToCard(matchedAcc)
@@ -802,6 +959,9 @@ class TransferFragment : Fragment() {
     ) {
         resolvedAccountNumber = accountNumber
         resolvedRecipientName = displayName
+        savedToSubtitle = subtitle
+        savedToColorHex = colorHex
+        savedToImageHash = imageHash
         val contacts = viewModel.contacts.value ?: emptyList()
         resolvedBankName = contacts.firstOrNull { it.benefAccount == accountNumber }?.benefBankName ?: ""
 
@@ -824,22 +984,37 @@ class TransferFragment : Fragment() {
         updateTransferButton()
 
         val contact = contacts.firstOrNull { it.benefAccount == accountNumber }
-        if (contact != null) {
-            RecentsCache.save(requireContext(), RecentPick(
-                accountNumber = contact.benefAccount,
-                displayName = contact.benefNickName,
-                subtitle = subtitle,
-                colorHex = colorHex,
-                imageHash = imageHash,
-                isProfileImage = false
-            ))
-            if (imageHash != null) loadToPhoto(imageHash, isProfile = false)
+        val recentImageHash: String?
+        val recentIsProfileImage: Boolean
+        when {
+            ownAccount != null -> {
+                recentImageHash = ownAccount.profileImageHash
+                recentIsProfileImage = true
+            }
+            contact != null -> {
+                recentImageHash = contact.customerImgHash ?: imageHash
+                recentIsProfileImage = false
+            }
+            else -> {
+                recentImageHash = imageHash
+                recentIsProfileImage = false
+            }
         }
+        RecentsCache.save(requireContext(), RecentPick(
+            accountNumber = accountNumber,
+            displayName = displayName,
+            subtitle = subtitle,
+            colorHex = colorHex,
+            imageHash = recentImageHash,
+            isProfileImage = recentIsProfileImage
+        ))
+        if (contact != null && imageHash != null) loadToPhoto(imageHash, isProfile = false)
     }
 
     private fun prefillToFromContact(accountNumber: String, label: String) {
         resolvedAccountNumber = ""
         resolvedRecipientName = ""
+        resolvedDestCurrency = ""
         binding.cardToInfo.visibility = View.GONE
         binding.tilTo.visibility = View.VISIBLE
         binding.btnPickContact.visibility = View.VISIBLE
@@ -857,13 +1032,20 @@ class TransferFragment : Fragment() {
         message: String? = null,
         customView: android.view.View? = null,
         biometricSubtitle: String,
-        onConfirmed: () -> Unit
+        onConfirmed: (AlertDialog, android.widget.FrameLayout) -> Unit
     ) {
+        val imm = requireContext().getSystemService(Context.INPUT_METHOD_SERVICE) as android.view.inputmethod.InputMethodManager
+        imm.hideSoftInputFromWindow(requireView().windowToken, 0)
+
+        val frame = android.widget.FrameLayout(requireContext())
+        if (customView != null) frame.addView(customView)
+
         val builder = MaterialAlertDialogBuilder(requireContext())
             .setTitle(title)
-            .setPositiveButton(R.string.transfer_confirm) { _, _ -> onConfirmed() }
-            .setNegativeButton(android.R.string.cancel, null)
-        if (customView != null) builder.setView(customView) else builder.setMessage(message)
+            .setPositiveButton(R.string.transfer_confirm, null)
+            .setNegativeButton(android.R.string.cancel) { d, _ -> d.dismiss() }
+            .setCancelable(false)
+        if (customView != null) builder.setView(frame) else builder.setMessage(message)
         val dialog = builder.show()
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
         val biometricTransferConfirm = prefs.getBoolean("biometrics_transfer_confirm", false)
@@ -874,8 +1056,7 @@ class TransferFragment : Fragment() {
                 val prompt = BiometricPrompt(this, ContextCompat.getMainExecutor(requireContext()),
                     object : BiometricPrompt.AuthenticationCallback() {
                         override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
-                            dialog.dismiss()
-                            onConfirmed()
+                            onConfirmed(dialog, frame)
                         }
                         override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
                             if (errorCode != BiometricPrompt.ERROR_CANCELED &&
@@ -894,6 +1075,10 @@ class TransferFragment : Fragment() {
                         .build()
                 )
             }
+        } else {
+            dialog.getButton(AlertDialog.BUTTON_POSITIVE).setOnClickListener {
+                onConfirmed(dialog, frame)
+            }
         }
     }
 
@@ -912,11 +1097,27 @@ class TransferFragment : Fragment() {
                 Toast.makeText(requireContext(), R.string.transfer_missing_internal_id, Toast.LENGTH_SHORT).show()
                 return
             }
+            val qrFromTypeLabel = AccountListParser.from(src)?.typeLabel
+                ?: BmlDashboardParser.productLabel(src.accountTypeName)
+            val qrFromDetail = listOfNotNull("BML", qrFromTypeLabel.ifBlank { null }).joinToString(" · ")
+            val qrConfirmView = buildTransferConfirmView(
+                amountCurrency = info.currency,
+                amountValue = "%.2f".format(amount),
+                fromName = src.accountBriefName,
+                fromNumber = src.accountNumber,
+                fromDetail = qrFromDetail,
+                toName = info.merchantName,
+                toNumber = "",
+                toDetail = info.merchantAddress.ifBlank { "BML Merchant" }
+            )
             showConfirmWithBiometric(
                 title = getString(R.string.transfer),
-                message = "Pay ${info.currency} ${"%.2f".format(amount)} to ${info.merchantName}?\n\nFrom: ${src.accountBriefName} · ${src.accountNumber}",
+                customView = qrConfirmView,
                 biometricSubtitle = "${info.currency} ${"%.2f".format(amount)} → ${info.merchantName}",
-                onConfirmed = { executeBmlQrPayment(src, debitAccount, info, amount) }
+                onConfirmed = { dialog, frame ->
+                    showProcessingInDialog(dialog, frame)
+                    executeBmlQrPayment(src, debitAccount, info, amount, dialog, frame)
+                }
             )
             return
         }
@@ -950,10 +1151,27 @@ class TransferFragment : Fragment() {
         if (isSrcBml && isDestMib && currency == "USD") {
             val hasBmlContact = allContacts.any { it.benefCategoryId == "BML" && it.benefAccount == resolvedAccountNumber }
             if (!hasBmlContact) {
+                // If we verified the dest currency via MIB fallback, the block is purely a BML API limitation.
+                // Otherwise (no MIB session, currency truly unknown) the generic message applies.
+                val msgRes = if (resolvedDestCurrency.isNotBlank())
+                    R.string.transfer_bml_contact_required_msg_bml_limit
+                else
+                    R.string.transfer_bml_contact_required_msg
+                val bmlProfileId = src.profileId.takeIf { it.isNotBlank() }
+                    ?: src.loginTag.removePrefix("bml_").takeIf { it.isNotBlank() }
+                val verified = resolvedDestCurrency.isNotBlank()
                 MaterialAlertDialogBuilder(requireContext())
                     .setTitle(R.string.transfer_bml_contact_required_title)
-                    .setMessage(R.string.transfer_bml_contact_required_msg)
-                    .setPositiveButton(R.string.close, null)
+                    .setMessage(msgRes)
+                    .setPositiveButton(R.string.contact_save) { _, _ ->
+                        AddContactSheetFragment.newInstance(
+                            bmlProfileId = bmlProfileId,
+                            accountNumber = resolvedAccountNumber,
+                            recipientName = if (verified) resolvedRecipientName else null,
+                            currency = if (verified) resolvedDestCurrency else null
+                        ).show(parentFragmentManager, "add_contact")
+                    }
+                    .setNegativeButton(R.string.close, null)
                     .show()
                 return
             }
@@ -963,26 +1181,27 @@ class TransferFragment : Fragment() {
         val bankNameCapture = resolvedBankName
         val capturedToAvatar = (binding.ivToPhoto.drawable as? android.graphics.drawable.BitmapDrawable)?.bitmap
 
-        val destCurrency = allAccounts.firstOrNull { it.accountNumber == resolvedAccountNumber }
-            ?.currencyName?.ifBlank { "MVR" }
-            ?: allContacts.firstOrNull { it.benefAccount == resolvedAccountNumber }
-                ?.transferCyDesc?.ifBlank { "MVR" }
-            ?: if (isDestMib) "MVR" else "MVR"
+        val destCurrency = resolvedDestCurrency.ifBlank {
+            allAccounts.firstOrNull { it.accountNumber == resolvedAccountNumber }
+                ?.currencyName?.ifBlank { "MVR" }
+                ?: allContacts.firstOrNull { it.benefAccount == resolvedAccountNumber }
+                    ?.transferCyDesc?.ifBlank { "MVR" }
+                ?: "MVR"
+        }
         val isUsdToMvr = currency.equals("USD", ignoreCase = true) && destCurrency.equals("MVR", ignoreCase = true)
         val isSrcCredit = src.profileType == "BML_CREDIT"
 
-        val mainMsg = "Send $currency $amountStr to $destDisplay?\n\nFrom: ${src.accountBriefName} · ${src.accountNumber}"
-
-        val doTransfer: () -> Unit = {
+        val doTransfer: (AlertDialog, android.widget.FrameLayout) -> Unit = { dialog, frame ->
             if (isBmlBusiness) {
-                // Business profile: async OTP channel selection flow
+                // Business profile: async OTP channel selection flow — dismiss dialog first
+                dialog.dismiss()
                 startBmlBusinessOtpFlow(
                     src, resolvedAccountNumber, destDisplay, amount, amountStr, remarks,
                     isSrcCard, isDestMib, currency, allAccounts, allContacts, capturedToAvatar
                 )
             } else {
+                showProcessingInDialog(dialog, frame)
                 binding.btnTransfer.isEnabled = false
-                (activity as? HomeActivity)?.setRefreshing(true)
                 viewLifecycleOwner.lifecycleScope.launch {
                     val (ok, msg, receipt) = withContext(Dispatchers.IO) {
                         if (!isSrcBml) {
@@ -992,14 +1211,15 @@ class TransferFragment : Fragment() {
                         }
                     }
                     binding.btnTransfer.isEnabled = true
-                    (activity as? HomeActivity)?.setRefreshing(false)
                     if (ok && receipt != null) {
                         ReceiptStore.save(requireContext(), receipt)
                         clearForm()
                         val activity = requireActivity() as HomeActivity
                         activity.triggerRefresh()
+                        dialog.dismiss()
                         activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, capturedToAvatar))
                     } else if (!ok) {
+                        dialog.dismiss()
                         if (msg == "CONNECTIVITY") {
                             (activity as? HomeActivity)?.showConnectivityBanner(getString(R.string.connectivity_no_internet))
                         } else {
@@ -1010,56 +1230,202 @@ class TransferFragment : Fragment() {
             }
         }
 
-        val warningView: android.view.View? = if (isUsdToMvr || isSrcCredit) {
-            val ctx = requireContext()
-            val dp = resources.displayMetrics.density
-            LinearLayout(ctx).apply {
-                orientation = LinearLayout.VERTICAL
-                setPadding((24 * dp).toInt(), (16 * dp).toInt(), (24 * dp).toInt(), 0)
-                addView(TextView(ctx).apply { text = mainMsg })
-                if (isUsdToMvr) addView(TextView(ctx).apply {
-                    text = "⚠ You are transferring from a USD account to an MVR account. The currency will be converted at the bank's rate and this cannot be reversed!"
-                    setTextColor(Color.RED)
-                    textSize = 16f
-                    typeface = Typeface.DEFAULT_BOLD
-                    setPadding(0, (16 * dp).toInt(), 0, 0)
-                })
-                if (isSrcCredit) addView(TextView(ctx).apply {
-                    text = "⚠ Transferring from a credit card is treated as a cash advance. Cash advance fees will be charged on the 10th of the month."
-                    setTextColor(Color.RED)
-                    textSize = 16f
-                    typeface = Typeface.DEFAULT_BOLD
-                    setPadding(0, (16 * dp).toInt(), 0, 0)
-                })
+        val fromTypeLabel = AccountListParser.from(src)?.typeLabel
+            ?: if (src.bank == "BML") BmlDashboardParser.productLabel(src.accountTypeName)
+            else src.accountTypeName.ifBlank { src.profileType }
+        val fromBankLabel = when (src.bank) {
+            "BML"     -> "BML"
+            "FAHIPAY" -> "Fahipay"
+            "MIB"     -> "MIB"
+            else      -> src.bank
+        }
+        val fromDetail = listOfNotNull(fromBankLabel.ifBlank { null }, fromTypeLabel.ifBlank { null }).joinToString(" · ")
+
+        val toTypeLabel = resolvedToOwnAccount?.let { acc ->
+            AccountListParser.from(acc)?.typeLabel
+                ?: if (acc.bank == "BML") BmlDashboardParser.productLabel(acc.accountTypeName)
+                else acc.accountTypeName.ifBlank { acc.profileType }
+        }
+        val toBankLabel = resolvedToOwnAccount?.let { acc ->
+            when (acc.bank) {
+                "BML"     -> "BML"
+                "FAHIPAY" -> "Fahipay"
+                "MIB"     -> "MIB"
+                else      -> acc.bank
             }
-        } else null
+        } ?: when {
+            bankNameCapture.equals("MALBMVMV", ignoreCase = true) -> "BML"
+            bankNameCapture.equals("MADVMVMV", ignoreCase = true) -> "MIB"
+            bankNameCapture.isNotBlank() -> bankNameCapture
+            isDestMib -> "MIB"
+            else -> when (selectedFahipayService) {
+                "RAASTAS"         -> "Ooredoo · Raastas"
+                "OOREDOO_BILL"    -> "Ooredoo · Bill Pay"
+                "DHIRAAGU_RELOAD" -> "Dhiraagu · Reload"
+                "DHIRAAGU_BILL"   -> "Dhiraagu · Bill Pay"
+                else              -> ""
+            }
+        }
+        val toDetail = listOfNotNull(toBankLabel.ifBlank { null }, toTypeLabel?.ifBlank { null }).joinToString(" · ")
+
+        val warnings = buildList {
+            if (isUsdToMvr) add("⚠ You are transferring from a USD account to an MVR account. The currency will be converted at the bank's rate and this cannot be reversed!")
+            if (isSrcCredit) add("⚠ Transferring from a credit card is treated as a cash advance. Cash advance fees will be charged on the 10th of the month.")
+        }
+        val confirmView = buildTransferConfirmView(
+            amountCurrency = currency,
+            amountValue = "%.2f".format(amount),
+            fromName = src.accountBriefName,
+            fromNumber = src.accountNumber,
+            fromDetail = fromDetail,
+            toName = destDisplay,
+            toNumber = resolvedAccountNumber,
+            toDetail = toDetail,
+            warningTexts = warnings
+        )
         showConfirmWithBiometric(
             title = getString(R.string.transfer),
-            message = if (warningView == null) mainMsg else null,
-            customView = warningView,
-            biometricSubtitle = "$currency $amountStr → $destDisplay",
-            onConfirmed = { doTransfer() }
+            customView = confirmView,
+            biometricSubtitle = "$currency ${"%.2f".format(amount)} → $destDisplay",
+            onConfirmed = { dialog, frame -> doTransfer(dialog, frame) }
         )
     }
 
+    private fun buildTransferConfirmView(
+        amountCurrency: String,
+        amountValue: String,
+        fromName: String,
+        fromNumber: String,
+        fromDetail: String,
+        toName: String,
+        toNumber: String,
+        toDetail: String,
+        warningTexts: List<String> = emptyList()
+    ): android.view.View {
+        val ctx = requireContext()
+        val dp = resources.displayMetrics.density
+        val colorOnSurface = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorOnSurface, Color.BLACK)
+        val colorMuted = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
+        val colorPrimary = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorPrimary, Color.BLUE)
+        val MATCH = LinearLayout.LayoutParams.MATCH_PARENT
+        val WRAP  = LinearLayout.LayoutParams.WRAP_CONTENT
+
+        fun lp(w: Int = MATCH, h: Int = WRAP, init: LinearLayout.LayoutParams.() -> Unit = {}) =
+            LinearLayout.LayoutParams(w, h).apply(init)
+
+        fun accountBlock(label: String, name: String, number: String, detail: String) =
+            LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                layoutParams = lp()
+                addView(TextView(ctx).apply {
+                    text = label
+                    textSize = 10f
+                    isAllCaps = true
+                    letterSpacing = 0.12f
+                    setTextColor(colorMuted)
+                    gravity = Gravity.CENTER
+                })
+                addView(TextView(ctx).apply {
+                    text = name
+                    textSize = 16f
+                    setTypeface(null, Typeface.BOLD)
+                    setTextColor(colorOnSurface)
+                    gravity = Gravity.CENTER
+                    layoutParams = lp { topMargin = (2 * dp).toInt() }
+                })
+                if (number.isNotBlank()) addView(TextView(ctx).apply {
+                    text = number
+                    textSize = 13f
+                    setTextColor(colorMuted)
+                    gravity = Gravity.CENTER
+                })
+                if (detail.isNotBlank()) addView(TextView(ctx).apply {
+                    text = detail
+                    textSize = 12f
+                    setTextColor(colorMuted)
+                    gravity = Gravity.CENTER
+                    alpha = 0.75f
+                })
+            }
+
+        return LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding((20 * dp).toInt(), (8 * dp).toInt(), (20 * dp).toInt(), (8 * dp).toInt())
+
+            // Currency + amount on same line, centered, baseline-aligned
+            addView(LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                layoutParams = lp { bottomMargin = (20 * dp).toInt() }
+                addView(TextView(ctx).apply {
+                    text = "$amountCurrency "
+                    textSize = 16f
+                    setTextColor(colorMuted)
+                    layoutParams = LinearLayout.LayoutParams(WRAP, WRAP)
+                })
+                addView(TextView(ctx).apply {
+                    text = amountValue
+                    textSize = 34f
+                    setTypeface(null, Typeface.BOLD)
+                    setTextColor(colorPrimary)
+                })
+            })
+
+            addView(accountBlock("From", fromName, fromNumber, fromDetail))
+
+            // Down arrow — centered
+            addView(ImageView(ctx).apply {
+                setImageResource(R.drawable.ic_arrow_right)
+                rotation = 90f
+                setColorFilter(colorMuted)
+                layoutParams = lp(WRAP, WRAP) {
+                    gravity = Gravity.CENTER_HORIZONTAL
+                    width  = (24 * dp).toInt()
+                    height = (24 * dp).toInt()
+                    topMargin    = (12 * dp).toInt()
+                    bottomMargin = (12 * dp).toInt()
+                }
+            })
+
+            addView(accountBlock("To", toName, toNumber, toDetail))
+
+            for (warning in warningTexts) {
+                addView(TextView(ctx).apply {
+                    text = warning
+                    setTextColor(Color.RED)
+                    textSize = 14f
+                    setTypeface(null, Typeface.BOLD)
+                    layoutParams = lp { topMargin = (16 * dp).toInt() }
+                })
+            }
+        }
+    }
+
     private fun executeBmlQrPayment(
         src: BankAccount,
         debitAccount: String,
         info: BmlQrPayInfo,
-        amount: Double
+        amount: Double,
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout
     ) {
         val app = requireActivity().application as BasedBankApp
         val loginId = src.loginTag.removePrefix("bml_")
         val session = bmlSessionFor(src) ?: run {
+            dialog.dismiss()
             Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
             return
         }
         val otp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) }
-            ?: run { Toast.makeText(requireContext(), "OTP unavailable", Toast.LENGTH_SHORT).show(); return }
+            ?: run { dialog.dismiss(); Toast.makeText(requireContext(), "OTP unavailable", Toast.LENGTH_SHORT).show(); return }
 
         binding.btnTransfer.isEnabled = false
-        (activity as? HomeActivity)?.setRefreshing(true)
 
         viewLifecycleOwner.lifecycleScope.launch {
             val result = withContext(Dispatchers.IO) {
@@ -1080,75 +1446,174 @@ class TransferFragment : Fragment() {
                     sh.sar.basedbank.api.bml.BmlQrPayResult(false, errorMessage = e.message ?: "Payment failed")
                 }
             }
-            (activity as? HomeActivity)?.setRefreshing(false)
             if (_binding == null) return@launch
 
             if (result == null) {
+                dialog.dismiss()
                 binding.btnTransfer.isEnabled = true
                 Toast.makeText(requireContext(), "Failed to initiate payment", Toast.LENGTH_LONG).show()
                 return@launch
             }
             if (result.success) {
-                showBmlQrSuccessDialog(
-                    merchant = result.merchant.ifBlank { info.merchantName },
-                    amount   = result.amount.ifBlank { "%.2f".format(amount) },
-                    currency = result.currency.ifBlank { info.currency }
-                )
+                showSuccessInDialog(
+                    dialog, frame,
+                    amountCurrency = result.currency.ifBlank { info.currency },
+                    amountValue = result.amount.ifBlank { "%.2f".format(amount) },
+                    fromName = src.accountBriefName,
+                    toName = result.merchant.ifBlank { info.merchantName }
+                ) {
+                    clearForm()
+                    (activity as? HomeActivity)?.triggerRefresh()
+                }
             } else {
+                dialog.dismiss()
                 binding.btnTransfer.isEnabled = true
                 Toast.makeText(requireContext(), result.errorMessage, Toast.LENGTH_LONG).show()
             }
         }
     }
 
-    private fun showBmlQrSuccessDialog(merchant: String, amount: String, currency: String) {
+    private fun showProcessingInDialog(dialog: AlertDialog, frame: android.widget.FrameLayout) {
+        dialog.getButton(AlertDialog.BUTTON_POSITIVE)?.visibility = View.GONE
+        dialog.getButton(AlertDialog.BUTTON_NEGATIVE)?.visibility = View.GONE
+        dialog.setCancelable(false)
         val ctx = requireContext()
         val dp = resources.displayMetrics.density
-        val container = android.widget.LinearLayout(ctx).apply {
-            orientation = android.widget.LinearLayout.VERTICAL
-            gravity = android.view.Gravity.CENTER_HORIZONTAL
-            setPadding((24 * dp).toInt(), (24 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+        val spinner = CircularProgressDrawable(ctx).apply {
+            setStyle(CircularProgressDrawable.LARGE)
+            setColorSchemeColors(com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorPrimary, Color.GRAY))
+            start()
         }
-        container.addView(android.widget.ImageView(ctx).apply {
-            setImageResource(R.drawable.ic_check_circle)
-            setColorFilter(android.graphics.Color.parseColor("#4CAF50"))
-            layoutParams = android.widget.LinearLayout.LayoutParams(
-                (64 * dp).toInt(), (64 * dp).toInt()
-            ).apply { gravity = android.view.Gravity.CENTER_HORIZONTAL; bottomMargin = (16 * dp).toInt() }
+        frame.removeAllViews()
+        frame.addView(LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding((24 * dp).toInt(), (24 * dp).toInt(), (24 * dp).toInt(), (24 * dp).toInt())
+            addView(ImageView(ctx).apply {
+                setImageDrawable(spinner)
+                layoutParams = LinearLayout.LayoutParams((48 * dp).toInt(), (48 * dp).toInt()).apply {
+                    gravity = Gravity.CENTER_HORIZONTAL
+                    bottomMargin = (12 * dp).toInt()
+                }
+            })
+            addView(TextView(ctx).apply {
+                text = "Processing..."
+                textSize = 16f
+                gravity = Gravity.CENTER
+                setTextColor(com.google.android.material.color.MaterialColors.getColor(
+                    requireView(), com.google.android.material.R.attr.colorOnSurface, Color.BLACK))
+            })
         })
-        container.addView(android.widget.TextView(ctx).apply {
-            text = "$currency $amount"
-            textSize = 28f
-            setTypeface(null, android.graphics.Typeface.BOLD)
-            setTextColor(com.google.android.material.color.MaterialColors.getColor(
-                requireView(), com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.BLACK))
-            gravity = android.view.Gravity.CENTER
-            layoutParams = android.widget.LinearLayout.LayoutParams(
-                android.widget.LinearLayout.LayoutParams.WRAP_CONTENT,
-                android.widget.LinearLayout.LayoutParams.WRAP_CONTENT
-            ).apply { gravity = android.view.Gravity.CENTER_HORIZONTAL; bottomMargin = (8 * dp).toInt() }
-        })
-        container.addView(android.widget.TextView(ctx).apply {
-            text = merchant
-            textSize = 14f
-            setTextColor(com.google.android.material.color.MaterialColors.getColor(
-                requireView(), com.google.android.material.R.attr.colorOnSurfaceVariant, android.graphics.Color.GRAY))
-            gravity = android.view.Gravity.CENTER
-            layoutParams = android.widget.LinearLayout.LayoutParams(
-                android.widget.LinearLayout.LayoutParams.WRAP_CONTENT,
-                android.widget.LinearLayout.LayoutParams.WRAP_CONTENT
-            ).apply { gravity = android.view.Gravity.CENTER_HORIZONTAL }
-        })
-        MaterialAlertDialogBuilder(ctx)
-            .setTitle(R.string.bml_qr_payment_success)
-            .setView(container)
-            .setPositiveButton(android.R.string.ok) { _, _ ->
-                requireActivity().onBackPressedDispatcher.onBackPressed()
-            }
-            .setCancelable(false)
-            .show()
     }
 
+    private fun showSuccessInDialog(
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout,
+        amountCurrency: String,
+        amountValue: String,
+        fromName: String,
+        toName: String,
+        onDone: () -> Unit
+    ) {
+        val ctx = requireContext()
+        val dp = resources.displayMetrics.density
+        val colorOnSurface = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorOnSurface, Color.BLACK)
+        val colorMuted = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
+        val colorPrimary = com.google.android.material.color.MaterialColors.getColor(
+            requireView(), com.google.android.material.R.attr.colorPrimary, Color.BLUE)
+        val MATCH = LinearLayout.LayoutParams.MATCH_PARENT
+        val WRAP  = LinearLayout.LayoutParams.WRAP_CONTENT
+
+        frame.removeAllViews()
+        frame.addView(LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding((24 * dp).toInt(), (20 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+
+            // Checkmark
+            addView(ImageView(ctx).apply {
+                setImageResource(R.drawable.ic_check_circle)
+                setColorFilter(Color.parseColor("#4CAF50"))
+                layoutParams = LinearLayout.LayoutParams((64 * dp).toInt(), (64 * dp).toInt()).apply {
+                    gravity = Gravity.CENTER_HORIZONTAL
+                    bottomMargin = (16 * dp).toInt()
+                }
+            })
+
+            // Currency + amount
+            addView(LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                layoutParams = LinearLayout.LayoutParams(MATCH, WRAP).apply {
+                    bottomMargin = (16 * dp).toInt()
+                }
+                addView(TextView(ctx).apply {
+                    text = "$amountCurrency "
+                    textSize = 16f
+                    setTextColor(colorMuted)
+                    layoutParams = LinearLayout.LayoutParams(WRAP, WRAP)
+                })
+                addView(TextView(ctx).apply {
+                    text = amountValue
+                    textSize = 28f
+                    setTypeface(null, Typeface.BOLD)
+                    setTextColor(colorPrimary)
+                })
+            })
+
+            // From row
+            addView(LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                layoutParams = LinearLayout.LayoutParams(MATCH, WRAP)
+                addView(TextView(ctx).apply {
+                    text = "From  "
+                    textSize = 12f
+                    setTextColor(colorMuted)
+                    layoutParams = LinearLayout.LayoutParams(WRAP, WRAP)
+                })
+                addView(TextView(ctx).apply {
+                    text = fromName
+                    textSize = 13f
+                    setTypeface(null, Typeface.BOLD)
+                    setTextColor(colorOnSurface)
+                    gravity = Gravity.CENTER
+                })
+            })
+
+            // To row
+            addView(LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_HORIZONTAL
+                layoutParams = LinearLayout.LayoutParams(MATCH, WRAP).apply {
+                    topMargin = (4 * dp).toInt()
+                }
+                addView(TextView(ctx).apply {
+                    text = "To  "
+                    textSize = 12f
+                    setTextColor(colorMuted)
+                    layoutParams = LinearLayout.LayoutParams(WRAP, WRAP)
+                })
+                addView(TextView(ctx).apply {
+                    text = toName
+                    textSize = 13f
+                    setTypeface(null, Typeface.BOLD)
+                    setTextColor(colorOnSurface)
+                    gravity = Gravity.CENTER
+                })
+            })
+        })
+
+        val okBtn = dialog.getButton(AlertDialog.BUTTON_POSITIVE)
+        okBtn?.visibility = View.VISIBLE
+        okBtn?.text = "OK"
+        okBtn?.setOnClickListener { dialog.dismiss(); onDone() }
+    }
+
+
     private fun doMibTransfer(
         src: BankAccount,
         destAccount: String,
@@ -1620,6 +2085,7 @@ class TransferFragment : Fragment() {
         resolvedAccountNumber = ""
         resolvedRecipientName = ""
         resolvedBankName = ""
+        resolvedDestCurrency = ""
         resolvedToOwnAccount = null
         selectedFahipayService = null
         binding.cardToInfo.visibility = View.GONE
@@ -1718,8 +2184,17 @@ class TransferFragment : Fragment() {
         requireActivity().title = getString(R.string.transfer)
     }
 
+
     override fun onDestroyView() {
         super.onDestroyView()
+        // Persist form state so it can be restored when the view is recreated
+        savedAmount = binding.etAmount.text?.toString() ?: ""
+        savedRemarks = binding.etRemarks.text?.toString() ?: ""
+        savedToText = if (resolvedAccountNumber.isEmpty()) binding.etTo.text?.toString() ?: "" else ""
+        // Reset in-progress OTP flow — it cannot sensibly resume after the view is gone
+        bmlOtpState = BmlOtpState.NONE
+        pendingBmlTransfer = null
+        bmlOtpChannel = null
         _binding = null
     }
 

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

@@ -209,13 +209,14 @@ class TransferHistoryFragment : Fragment() {
                                     cal.add(Calendar.MONTH, -state.cardMonthOffset)
                                     val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
                                     state.cardMonthOffset++
-                                    BmlHistoryClient().fetchCardHistory(
+                                    val cardResult = BmlHistoryClient().fetchCardHistory(
                                         session = session,
                                         cardId = state.account.internalId,
                                         accountDisplayName = state.account.accountBriefName,
                                         accountNumber = state.account.accountNumber,
                                         month = month
                                     )
+                                    cardResult.statement + cardResult.outstanding + cardResult.unbilled
                                 }
                                 else -> {
                                     val session = app.bmlSessionFor(state.account) ?: return@async emptyList()

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

@@ -26,6 +26,8 @@ import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.core.content.FileProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import com.google.android.material.button.MaterialButton
@@ -111,6 +113,32 @@ class TransferReceiptFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         receiptCard.setOnClickListener { showFullScreenReceipt() }
 
+        val btnRow = view.findViewById<View>(R.id.btnRow)
+        val basePaddingBottom = btnRow.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(btnRow) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
+
+        val receiptContainer = view.findViewById<android.widget.ScrollView>(R.id.receiptContainer)
+        receiptContainer.setOnTouchListener { _, _ -> true }
+        receiptContainer.viewTreeObserver.addOnGlobalLayoutListener(object : android.view.ViewTreeObserver.OnGlobalLayoutListener {
+            override fun onGlobalLayout() {
+                receiptContainer.viewTreeObserver.removeOnGlobalLayoutListener(this)
+                val available = receiptContainer.height
+                val natural = receiptCard.height
+                if (natural > available && available > 0) {
+                    val scale = available.toFloat() / natural
+                    receiptCard.scaleX = scale
+                    receiptCard.scaleY = scale
+                    receiptCard.pivotX = receiptCard.width / 2f
+                    receiptCard.pivotY = 0f
+                }
+            }
+        })
+
         view.findViewById<MaterialButton>(R.id.btnDone).setOnClickListener {
             parentFragmentManager.popBackStack()
         }

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.ui.login
 
+import android.app.Activity
 import android.content.ClipData
 import android.content.ClipboardManager
 import android.content.Context
@@ -13,11 +14,13 @@ import android.os.Looper
 import android.text.Editable
 import android.text.TextWatcher
 import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import sh.sar.basedbank.util.OtpauthParser
 import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
@@ -34,6 +37,7 @@ import sh.sar.basedbank.util.AccountCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.FragmentCredentialsBinding
 import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.QrScannerActivity
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
 
 class CredentialsFragment : Fragment() {
@@ -60,6 +64,25 @@ class CredentialsFragment : Fragment() {
     private var bmlLoginId: String = ""
     private var bmlAccumulatedAccounts = mutableListOf<BankAccount>()
 
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        val entries = OtpauthParser.parse(raw)
+        when {
+            entries.isEmpty() -> Toast.makeText(requireContext(), "No OTP data found in QR", Toast.LENGTH_SHORT).show()
+            entries.size == 1 -> binding.etOtpSeed.setText(entries[0].secret)
+            else -> {
+                val labels = entries.map { e ->
+                    if (e.issuer.isNotBlank()) "${e.issuer} (${e.name})" else e.name.ifBlank { e.secret.take(8) + "…" }
+                }.toTypedArray()
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("Choose account")
+                    .setItems(labels) { _, i -> binding.etOtpSeed.setText(entries[i].secret) }
+                    .show()
+            }
+        }
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
@@ -75,7 +98,7 @@ class CredentialsFragment : Fragment() {
                 binding.ivBankLogo.setImageResource(R.drawable.fahipay_logo_long)
                 binding.tvSignInDesc.setText(R.string.fahipay_sign_in_desc)
                 binding.tilUsername.hint = getString(R.string.fahipay_id_card)
-                binding.tilOtpSeed.visibility = android.view.View.GONE
+                binding.rowOtpSeed.visibility = android.view.View.GONE
                 binding.etOtpSeed.isEnabled = false
                 binding.etOtpSeed.isFocusable = false
             }
@@ -83,6 +106,9 @@ class CredentialsFragment : Fragment() {
 
         binding.btnLogin.isEnabled = false
         binding.btnLogin.setOnClickListener { attemptLogin() }
+        binding.btnScanOtpSeed.setOnClickListener {
+            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
 
         binding.cardOtp.setOnClickListener {
             val code = binding.tvOtpCode.text.toString().replace(" ", "")

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

@@ -31,9 +31,14 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
         ThemeHelper.applyAccent(this)
         super.onCreate(savedInstanceState)
 
-        // If security is already configured, onboarding is complete. Redirect to lock screen
-        // to prevent overwriting an existing PIN/pattern via direct activity launch.
-        if (CredentialStore(this).loadSecurityHash() != null) {
+        prefs = getSharedPreferences("prefs", MODE_PRIVATE)
+
+        // Only redirect to the lock screen if onboarding is fully complete. Checking the
+        // security hash alone is not sufficient — the hash is written during the PIN/pattern
+        // setup step (page 1) which happens *before* the user clicks "Get Started", so a
+        // theme change or process restart mid-onboarding would otherwise trigger this guard
+        // and strand the user in the lock flow without finishing onboarding.
+        if (prefs.getBoolean("onboarding_done", false) && CredentialStore(this).loadSecurityHash() != null) {
             startActivity(Intent(this, LockActivity::class.java))
             finish()
             return
@@ -50,7 +55,6 @@ class OnboardingActivity : AppCompatActivity(), SecuritySetupFragment.Callback {
         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 ->
             val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())

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

@@ -10,6 +10,7 @@ import androidx.biometric.BiometricManager
 import androidx.fragment.app.Fragment
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentOnboardingConfigureBinding
+import sh.sar.basedbank.ui.home.NavCustomization
 
 class OnboardingConfigureFragment : Fragment() {
 
@@ -24,12 +25,20 @@ class OnboardingConfigureFragment : Fragment() {
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
 
-        // Navigation — default Drawer
-        val isBottom = prefs.getBoolean("bottom_nav", false)
-        binding.navModeToggle.check(if (isBottom) R.id.btnNavBottom else R.id.btnNavDrawer)
+        // Navigation
+        binding.navModeToggle.check(when (NavCustomization.getNavMode(prefs)) {
+            NavCustomization.NAV_MODE_BOTTOM   -> R.id.btnNavBottom
+            NavCustomization.NAV_MODE_CIRCULAR -> R.id.btnNavCircular
+            else                               -> R.id.btnNavDrawer
+        })
         binding.navModeToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
             if (!isChecked) return@addOnButtonCheckedListener
-            prefs.edit().putBoolean("bottom_nav", checkedId == R.id.btnNavBottom).apply()
+            val mode = when (checkedId) {
+                R.id.btnNavBottom   -> NavCustomization.NAV_MODE_BOTTOM
+                R.id.btnNavCircular -> NavCustomization.NAV_MODE_CIRCULAR
+                else                -> NavCustomization.NAV_MODE_DRAWER
+            }
+            NavCustomization.saveNavMode(prefs, mode)
         }
 
         // Theme — default System

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

@@ -59,6 +59,7 @@ class OnboardingFragment : Fragment() {
 
     private fun notifyScrolledToBottom() {
         if (scrolledToBottom) return
+        if (!isAdded) return
         scrolledToBottom = true
         parentFragmentManager.setFragmentResult(RESULT_SCROLLED_TO_BOTTOM, Bundle.EMPTY)
     }

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

@@ -8,6 +8,7 @@ import android.view.View
 import android.view.ViewGroup
 import android.widget.LinearLayout
 import androidx.fragment.app.Fragment
+import androidx.core.content.ContextCompat
 import com.google.android.material.button.MaterialButton
 import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.FragmentSecuritySetupBinding
@@ -102,8 +103,17 @@ class SecuritySetupFragment : Fragment() {
                 else
                     com.google.android.material.R.attr.materialButtonOutlinedStyle
                 val btn = MaterialButton(requireContext(), null, style).apply {
-                    text = key
-                    textSize = 24f
+                    if (key == "⌫" || key == "✓") {
+                        text = ""
+                        icon = ContextCompat.getDrawable(requireContext(),
+                            if (key == "⌫") R.drawable.ic_backspace else R.drawable.ic_check)
+                        iconGravity = MaterialButton.ICON_GRAVITY_TEXT_START
+                        iconPadding = 0
+                        iconSize = (28 * dp).toInt()
+                    } else {
+                        text = key
+                        textSize = 24f
+                    }
                     insetTop = 0; insetBottom = 0
                     minimumWidth = 0; minimumHeight = 0
                     cornerRadius = btnSize / 2

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

@@ -7,7 +7,7 @@ package sh.sar.basedbank.util
 data class AccountHistoryDisplay(
     val name: String,
     val number: String,
-    val bankPill: String?,        // "BML", "FP", null for MIB (no pill)
+    val bankPill: String?,        // "BML", "FP", "MIB" — bank label shown on the pill
     val typeLabel: String,        // e.g. "Savings", "Current", "Visa Platinum"
     val availableBalance: String, // formatted "CCY amount"
     val workingBalance: String,   // ledger/working balance — formatted "CCY amount"

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

@@ -23,6 +23,7 @@ object CardsCache {
                 put("phoneNumber", c.phoneNumber)
                 put("cardHolderName", c.cardHolderName)
                 put("loginTag", c.loginTag)
+                put("profileId", c.profileId)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -45,7 +46,8 @@ object CardsCache {
                     customerId       = o.optString("customerId"),
                     phoneNumber      = o.optString("phoneNumber"),
                     cardHolderName   = o.optString("cardHolderName"),
-                    loginTag         = o.optString("loginTag")
+                    loginTag         = o.optString("loginTag"),
+                    profileId        = o.optString("profileId")
                 )
             }
         } catch (_: Exception) { emptyList() }

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

@@ -627,6 +627,29 @@ class CredentialStore(context: Context) {
         editor.apply()
     }
 
+    // ── Default transfer/QR account ───────────────────────────────────────────
+
+    /** Account number the user has pinned as their default source for transfers and PayMV QR, or null. */
+    fun getDefaultAccountNumber(): String? = prefs.getString("default_account_number", null)
+
+    fun setDefaultAccountNumber(accountNumber: String?) {
+        val editor = prefs.edit()
+        if (accountNumber == null) editor.remove("default_account_number")
+        else editor.putString("default_account_number", accountNumber)
+        editor.apply()
+    }
+
+    // ── Dashboard card visibility ─────────────────────────────────────────────
+
+    fun getHiddenDashboardCardNumbers(): Set<String> =
+        prefs.getStringSet("hidden_dashboard_cards", emptySet()) ?: emptySet()
+
+    fun setCardHiddenFromDashboard(accountNumber: String, hidden: Boolean) {
+        val current = getHiddenDashboardCardNumbers().toMutableSet()
+        if (hidden) current.add(accountNumber) else current.remove(accountNumber)
+        prefs.edit().putStringSet("hidden_dashboard_cards", current).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/HistoryFetcher.kt

@@ -35,6 +35,21 @@ class HistoryFetcher(private val account: BankAccount) {
 
     // BML card pagination (month-based)
     private var cardMonthOffset = 0
+    private var pendingCardOutstanding: List<BankTransaction>? = null
+    private var pendingCardUnbilled: List<BankTransaction>? = null
+
+    /**
+     * Returns and clears the card outstanding + unbilled lists captured on the first card
+     * fetch. Each list is only ever returned once.
+     */
+    fun takeCardPendingSections(): Pair<List<BankTransaction>, List<BankTransaction>>? {
+        val o = pendingCardOutstanding
+        val u = pendingCardUnbilled
+        if (o == null && u == null) return null
+        pendingCardOutstanding = null
+        pendingCardUnbilled = null
+        return Pair(o ?: emptyList(), u ?: emptyList())
+    }
 
     // Fahipay pagination
     private var fahipayNextStart = 0
@@ -90,16 +105,22 @@ class HistoryFetcher(private val account: BankAccount) {
     private fun fetchBmlCard(app: BasedBankApp): List<BankTransaction> {
         val session = app.bmlSessionFor(account) ?: return emptyList()
         val cal = Calendar.getInstance()
+        val isFirstFetch = cardMonthOffset == 0
         cal.add(Calendar.MONTH, -cardMonthOffset)
         val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
         cardMonthOffset++
-        return BmlHistoryClient().fetchCardHistory(
+        val result = BmlHistoryClient().fetchCardHistory(
             session            = session,
             cardId             = account.internalId,
             accountDisplayName = account.accountBriefName,
             accountNumber      = account.accountNumber,
             month              = month
         )
+        if (isFirstFetch) {
+            pendingCardOutstanding = result.outstanding
+            pendingCardUnbilled = result.unbilled
+        }
+        return result.statement
     }
 
     private fun fetchBmlCasa(app: BasedBankApp): List<BankTransaction> {

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

@@ -0,0 +1,53 @@
+package sh.sar.basedbank.util
+
+import android.content.ComponentName
+import android.content.Context
+import android.content.Intent
+import android.nfc.NfcAdapter
+import android.nfc.cardemulation.CardEmulation
+import android.provider.Settings
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import sh.sar.basedbank.R
+import sh.sar.basedbank.nfc.BmlHostCardEmulatorService
+
+object NfcPaymentUtil {
+    fun checkAndProceed(context: Context, onReady: () -> Unit) {
+        val nfcAdapter = NfcAdapter.getDefaultAdapter(context) ?: run {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_unsupported_title)
+                .setMessage(R.string.nfc_unsupported_message)
+                .setPositiveButton(android.R.string.ok, null)
+                .show()
+            return
+        }
+
+        if (!nfcAdapter.isEnabled) {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_disabled_title)
+                .setMessage(R.string.nfc_disabled_message)
+                .setPositiveButton(R.string.nfc_open_settings) { _, _ ->
+                    context.startActivity(Intent(Settings.ACTION_NFC_SETTINGS))
+                }
+                .setNegativeButton(R.string.cancel, null)
+                .show()
+            return
+        }
+
+        val cardEmulation = CardEmulation.getInstance(nfcAdapter)
+        val componentName = ComponentName(context, BmlHostCardEmulatorService::class.java)
+        if (!cardEmulation.isDefaultServiceForCategory(componentName, CardEmulation.CATEGORY_PAYMENT)) {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_not_default_title)
+                .setMessage(context.getString(R.string.nfc_not_default_message,
+                    context.applicationInfo.loadLabel(context.packageManager)))
+                .setPositiveButton(R.string.nfc_payment_open_settings) { _, _ ->
+                    context.startActivity(Intent(Settings.ACTION_NFC_PAYMENT_SETTINGS))
+                }
+                .setNegativeButton(R.string.cancel, null)
+                .show()
+            return
+        }
+
+        onReady()
+    }
+}

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

@@ -0,0 +1,137 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.ui.home.AppNotification
+
+object NotificationsCache {
+
+    private const val PREFS = "notifications_cache"
+    private const val KEY_MIB_READ_IDS = "mib_read_ids"
+
+    private fun bmlKey(loginId: String) = "bml_notifs_$loginId"
+    private fun mibKey(loginId: String) = "mib_activities_$loginId"
+
+    // ── BML ─────────────────────────────────────────────────────────────────────
+
+    fun saveBml(ctx: Context, loginId: String, items: List<AppNotification>) {
+        val arr = JSONArray()
+        items.forEach { n ->
+            arr.put(JSONObject().apply {
+                put("id", n.id)
+                put("group", n.group)
+                put("title", n.title)
+                put("message", n.message)
+                put("timestampMs", n.timestampMs)
+                put("isRead", n.isRead)
+                val fields = JSONArray()
+                n.detailFields.forEach { (k, v) -> fields.put(JSONObject().put("k", k).put("v", v)) }
+                put("detailFields", fields)
+            })
+        }
+        ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadBml(ctx: Context, loginId: String): List<AppNotification> {
+        val raw = ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(bmlKey(loginId), null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val obj = arr.getJSONObject(i)
+                val fields = obj.optJSONArray("detailFields")
+                val detailFields = if (fields != null) {
+                    (0 until fields.length()).map { j ->
+                        val f = fields.getJSONObject(j)
+                        f.getString("k") to f.getString("v")
+                    }
+                } else emptyList()
+                AppNotification(
+                    id = obj.getString("id"),
+                    bank = "BML",
+                    loginId = loginId,
+                    group = obj.getString("group"),
+                    title = obj.getString("title"),
+                    message = obj.getString("message"),
+                    timestampMs = obj.getLong("timestampMs"),
+                    isRead = obj.getBoolean("isRead"),
+                    detailFields = detailFields
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    // ── MIB ─────────────────────────────────────────────────────────────────────
+
+    fun saveMib(ctx: Context, loginId: String, items: List<AppNotification>) {
+        val arr = JSONArray()
+        items.forEach { n ->
+            arr.put(JSONObject().apply {
+                put("id", n.id)
+                put("title", n.title)
+                put("message", n.message)
+                put("timestampMs", n.timestampMs)
+                val fields = JSONArray()
+                n.detailFields.forEach { (k, v) -> fields.put(JSONObject().put("k", k).put("v", v)) }
+                put("detailFields", fields)
+            })
+        }
+        ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(mibKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadMib(ctx: Context, loginId: String, readIds: Set<String>): List<AppNotification> {
+        val raw = ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(mibKey(loginId), null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val obj = arr.getJSONObject(i)
+                val id = obj.getString("id")
+                val fields = obj.optJSONArray("detailFields")
+                val detailFields = if (fields != null) {
+                    (0 until fields.length()).map { j ->
+                        val f = fields.getJSONObject(j)
+                        f.getString("k") to f.getString("v")
+                    }
+                } else emptyList()
+                AppNotification(
+                    id = id,
+                    bank = "MIB",
+                    loginId = loginId,
+                    group = "ALERTS",
+                    title = obj.getString("title"),
+                    message = obj.getString("message"),
+                    timestampMs = obj.getLong("timestampMs"),
+                    isRead = id in readIds,
+                    detailFields = detailFields
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    // ── MIB read IDs (in-app only) ───────────────────────────────────────────────
+
+    fun getMibReadIds(ctx: Context): Set<String> {
+        val raw = ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(KEY_MIB_READ_IDS, null) ?: return emptySet()
+        return try {
+            val arr = JSONArray(raw)
+            (0 until arr.length()).map { arr.getString(it) }.toSet()
+        } catch (_: Exception) { emptySet() }
+    }
+
+    fun addMibReadIds(ctx: Context, ids: Collection<String>) {
+        val current = getMibReadIds(ctx).toMutableSet()
+        current.addAll(ids)
+        val arr = JSONArray().apply { current.forEach { put(it) } }
+        ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(KEY_MIB_READ_IDS, arr.toString()).apply()
+    }
+
+    fun clearAll(ctx: Context) {
+        ctx.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
+    }
+}

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

@@ -0,0 +1,116 @@
+package sh.sar.basedbank.util
+
+import android.net.Uri
+import android.util.Base64
+
+data class OtpEntry(val name: String, val issuer: String, val secret: String)
+
+object OtpauthParser {
+
+    fun parse(raw: String): List<OtpEntry> = when {
+        raw.startsWith("otpauth-migration://") -> parseMigration(raw)
+        raw.startsWith("otpauth://") -> parseStandard(raw)?.let { listOf(it) } ?: emptyList()
+        else -> emptyList()
+    }
+
+    private fun parseStandard(raw: String): OtpEntry? {
+        val uri = Uri.parse(raw)
+        val secret = uri.getQueryParameter("secret") ?: return null
+        val issuer = uri.getQueryParameter("issuer") ?: ""
+        val label = uri.path?.trimStart('/') ?: ""
+        val name = if (':' in label) label.substringAfter(':').trim() else label
+        return OtpEntry(name, issuer, secret.uppercase())
+    }
+
+    private fun parseMigration(raw: String): List<OtpEntry> {
+        val data = Uri.parse(raw).getQueryParameter("data") ?: return emptyList()
+        val bytes = try { Base64.decode(data, Base64.DEFAULT) } catch (_: Exception) { return emptyList() }
+        val reader = ProtobufReader(bytes)
+        val entries = mutableListOf<OtpEntry>()
+        while (reader.hasMore()) {
+            val tag = reader.readVarint().toInt()
+            val fieldNum = tag ushr 3
+            val wireType = tag and 0x7
+            if (fieldNum == 1 && wireType == 2) {
+                parseOtpParameters(reader.readBytes())?.let { entries.add(it) }
+            } else {
+                reader.skip(wireType)
+            }
+        }
+        return entries
+    }
+
+    private fun parseOtpParameters(bytes: ByteArray): OtpEntry? {
+        val reader = ProtobufReader(bytes)
+        var secret: ByteArray? = null
+        var name = ""
+        var issuer = ""
+        var type = 2 // default to TOTP
+        while (reader.hasMore()) {
+            val tag = reader.readVarint().toInt()
+            val fieldNum = tag ushr 3
+            val wireType = tag and 0x7
+            when (fieldNum) {
+                1 -> secret = reader.readBytes()
+                2 -> name = String(reader.readBytes(), Charsets.UTF_8)
+                3 -> issuer = String(reader.readBytes(), Charsets.UTF_8)
+                6 -> type = reader.readVarint().toInt()
+                else -> reader.skip(wireType)
+            }
+        }
+        if (type == 1) return null // skip HOTP
+        val secretBase32 = base32Encode(secret ?: return null)
+        return OtpEntry(name, issuer, secretBase32)
+    }
+
+    private fun base32Encode(bytes: ByteArray): String {
+        val alphabet = "ABCDEFGHIJKLMNOPQRSTUVWXYZ234567"
+        val sb = StringBuilder()
+        var buffer = 0
+        var bitsLeft = 0
+        for (b in bytes) {
+            buffer = (buffer shl 8) or (b.toInt() and 0xFF)
+            bitsLeft += 8
+            while (bitsLeft >= 5) {
+                bitsLeft -= 5
+                sb.append(alphabet[(buffer ushr bitsLeft) and 0x1F])
+            }
+        }
+        if (bitsLeft > 0) sb.append(alphabet[(buffer shl (5 - bitsLeft)) and 0x1F])
+        return sb.toString()
+    }
+
+    private class ProtobufReader(private val bytes: ByteArray) {
+        private var pos = 0
+
+        fun hasMore() = pos < bytes.size
+
+        fun readVarint(): Long {
+            var result = 0L
+            var shift = 0
+            while (pos < bytes.size) {
+                val b = bytes[pos++].toInt() and 0xFF
+                result = result or ((b and 0x7F).toLong() shl shift)
+                if (b and 0x80 == 0) break
+                shift += 7
+            }
+            return result
+        }
+
+        fun readBytes(): ByteArray {
+            val len = readVarint().toInt()
+            val data = bytes.copyOfRange(pos, pos + len)
+            pos += len
+            return data
+        }
+
+        fun skip(wireType: Int) {
+            when (wireType) {
+                0 -> readVarint()
+                1 -> pos += 8
+                2 -> readBytes()
+                5 -> pos += 4
+            }
+        }
+    }
+}

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

@@ -9,6 +9,24 @@ data class PaymvQrData(
 
 object PaymvQrParser {
 
+    /**
+     * Returns the BML gateway URL if [raw] is or contains one, otherwise null.
+     * Handles both plain URL QRs and combined EMV QRs (e.g. Fahipay+BML card QR).
+     * For combined EMV QRs the URL is parsed from TLV (root tag 35 → sub-tag 20 → sub-sub-tag 01)
+     * rather than via regex, to avoid greedily consuming subsequent EMV tag bytes.
+     */
+    fun extractBmlGatewayUrl(raw: String): String? {
+        if (raw.startsWith("https://pay.bml.com.mv/app/")) return raw
+        return try {
+            val root = parseTlv(raw)
+            val bmlMerchantInfo = root["35"]?.let { parseTlv(it) } ?: return null
+            val inner = bmlMerchantInfo["20"]?.let { parseTlv(it) } ?: return null
+            inner["01"]?.takeIf { it.startsWith("https://pay.bml.com.mv/app/") }
+        } catch (_: Exception) {
+            null
+        }
+    }
+
     fun parse(raw: String): PaymvQrData? {
         return try {
             val root = parseTlv(raw)
@@ -23,7 +41,7 @@ object PaymvQrParser {
 
             PaymvQrData(
                 accountNumber = merchantInfo?.get("03"),
-                amount = root["54"],
+                amount = root["54"]?.takeIf { it != "***" },
                 purpose = additionalData?.get("08"),
                 merchantName = root["59"]
             )

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

@@ -40,10 +40,10 @@ object BmlCardParser {
         "C8040", "C8044" -> "cards/bml/master_world.png"
         "C8030", "C8033" -> "cards/bml/master_business_debit.png"
         "C8901", "C8991", "C8980", "C8981" -> "cards/bml/master_passport.png"
-        "C1030", "C1090", "C1130", "C1033", "C1133" -> "cards/bml/visa_corporate.png"
+        "C1090", "C1130", "C1033", "C1133" -> "cards/bml/visa_corporate.png"
         "C8905", "C8995" -> "cards/bml/visa_credit.png"
         "C1001", "C1011", "C1082", "C1081", "C1101", "C1111", "C1181", "C1182" -> "cards/bml/visa_debit_generic.png"
-        "C1005", "C1006", "C1089" -> "cards/bml/visa_debit_islamic.png"
+        "C1005", "C1006", "C1030", "C1089" -> "cards/bml/visa_debit_islamic.png"
         "C1017" -> "cards/bml/visa_infinite.png"
         "C1009", "C1019", "C1085", "C1086", "C1109", "C1119", "C1185", "C1186" -> "cards/bml/visa_platinum.png"
         "C1050", "C1051", "C1087", "C1088", "C1150", "C1151", "C1187", "C1188", "C1040", "C1041", "C1047", "C1048", "C1140", "C1141", "C1147", "C1148" -> "cards/bml/visa_student_black.png"

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

@@ -10,7 +10,7 @@ object MibHistoryParser {
         return AccountHistoryDisplay(
             name             = account.accountBriefName,
             number           = account.accountNumber,
-            bankPill         = null,   // MIB has no bank pill
+            bankPill         = "MIB",
             typeLabel        = MibAccountParser.productLabel(account.accountTypeName),
             availableBalance = "${account.currencyName} ${account.availableBalance}",
             workingBalance   = "${account.currencyName} ${account.currentBalance}",

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <solid android:color="#44808080" />
+    <corners android:radius="2dp" />
+</shape>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="#FFFFFFFF"
+        android:pathData="M22,3H7C6.31,3 5.77,3.35 5.41,3.88L0,12L5.41,20.12C5.77,20.65 6.31,21 7,21H22C23.1,21 24,20.1 24,19V5C24,3.9 23.1,3 22,3ZM19,15.59L17.59,17L14,13.41L10.41,17L9,15.59L12.59,12L9,8.41L10.41,7L14,10.59L17.59,7L19,8.41L15.41,12L19,15.59Z" />
+</vector>

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

@@ -0,0 +1,18 @@
+<?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">
+
+    <!-- Bell body -->
+    <path
+        android:fillColor="?attr/colorControlNormal"
+        android:pathData="M12,22c1.1,0 2,-0.9 2,-2h-4c0,1.1 0.9,2 2,2zM18,16v-5c0,-3.07-1.63,-5.64-4.5,-6.32V4c0,-0.83-0.67,-1.5-1.5,-1.5s-1.5,0.67-1.5,1.5v0.68C7.64,5.36 6,7.92 6,11v5l-2,2v1h16v-1l-2,-2z"/>
+
+    <!-- Unread notification dot (red) -->
+    <path
+        android:fillColor="#EF5350"
+        android:pathData="M18.5,2A3.5,3.5,0,1,0,18.5,9A3.5,3.5,0,0,0,18.5,2Z"/>
+
+</vector>

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

@@ -0,0 +1,13 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24"
+    android:tint="?attr/colorControlNormal">
+
+    <path
+        android:fillColor="@android:color/white"
+        android:pathData="M12,22c1.1,0 2,-0.9 2,-2h-4c0,1.1 0.9,2 2,2zM18,16v-5c0,-3.07-1.63,-5.64-4.5,-6.32V4c0,-0.83-0.67,-1.5-1.5,-1.5s-1.5,0.67-1.5,1.5v0.68C7.64,5.36 6,7.92 6,11v5l-2,2v1h16v-1l-2,-2z"/>
+
+</vector>

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

@@ -0,0 +1,18 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24"
+    android:tint="?attr/colorControlNormal">
+
+    <!-- Bell outline (no fill) -->
+    <path
+        android:fillColor="@android:color/transparent"
+        android:pathData="M12,22c1.1,0 2,-0.9 2,-2h-4c0,1.1 0.9,2 2,2zM18,16v-5c0,-3.07-1.63,-5.64-4.5,-6.32V4c0,-0.83-0.67,-1.5-1.5,-1.5s-1.5,0.67-1.5,1.5v0.68C7.64,5.36 6,7.92 6,11v5l-2,2v1h16v-1l-2,-2z"
+        android:strokeColor="@android:color/white"
+        android:strokeWidth="1.5"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"/>
+
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="#FFFFFFFF"
+        android:pathData="M9,16.17L4.83,12L3.41,13.41L9,19L21,7L19.59,5.59Z" />
+</vector>

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

@@ -0,0 +1,10 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24"
+    android:tint="?attr/colorControlNormal">
+    <path
+        android:fillColor="@android:color/white"
+        android:pathData="M12,2C6.48,2 2,6.48 2,12s4.48,10 10,10 10,-4.48 10,-10S17.52,2 12,2zM13,17h-2v-6h2v6zM13,9h-2L11,7h2v2z"/>
+</vector>

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

@@ -0,0 +1,22 @@
+<?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">
+
+    <!-- Shackle (open - right leg lifted free) -->
+    <path
+        android:fillColor="@android:color/transparent"
+        android:pathData="M8.9,10V6c0,-1.71 1.39,-3.1 3.1,-3.1 1.71,0 3.1,1.39 3.1,3.1"
+        android:strokeColor="@android:color/white"
+        android:strokeLineCap="round"
+        android:strokeWidth="2.2"/>
+
+    <!-- Body + keyhole cutout -->
+    <path
+        android:fillColor="@android:color/white"
+        android:fillType="evenOdd"
+        android:pathData="M6,8H18c1.1,0 2,0.9 2,2V20c0,1.1-0.9,2-2,2H6c-1.1,0-2,-0.9-2,-2V10c0,-1.1 0.9,-2 2,-2zM12,15c-1.1,0-2,0.9-2,2s0.9,2 2,2 2,-0.9 2,-2-0.9,-2-2,-2z"/>
+
+</vector>

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

@@ -2,7 +2,7 @@
 <layer-list xmlns:android="http://schemas.android.com/apk/res/android">
     <item>
         <shape android:shape="oval">
-            <solid android:color="#E8B547" />
+            <solid android:color="@color/ic_logo_background" />
         </shape>
     </item>
     <item android:drawable="@drawable/ic_launcher_foreground" />

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

@@ -2,9 +2,41 @@
 <vector xmlns:android="http://schemas.android.com/apk/res/android"
     android:width="24dp"
     android:height="24dp"
-    android:viewportWidth="24"
-    android:viewportHeight="24">
+    android:viewportWidth="48"
+    android:viewportHeight="48">
+
+    <!-- Phone outline -->
     <path
-        android:fillColor="?attr/colorOnSurface"
-        android:pathData="M20,2L4,2C2.9,2 2,2.9 2,4l0,16c0,1.1 0.9,2 2,2l16,0c1.1,0 2,-0.9 2,-2L22,4C22,2.9 21.1,2 20,2zM13,18l-2,0 0,-1c-2.76,0 -5,-2.24 -5,-5s2.24,-5 5,-5 5,2.24 5,5l-2,0c0,-1.65 -1.35,-3 -3,-3s-3,1.35 -3,3 1.35,3 3,3l0,-2 2,3zM19,12l-2,0c0,-2.76 -2.24,-5 -5,-5l0,-2C15.87,5 19,8.13 19,12z"/>
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M6.08,8.6 L20.45,8.6 A1.58,1.58,0,0,1,22.03,10.18 L22.03,37.81 A1.58,1.58,0,0,1,20.45,39.39 L6.08,39.39 A1.58,1.58,0,0,1,4.5,37.81 L4.5,10.18 A1.58,1.58,0,0,1,6.08,8.6 Z"/>
+
+    <!-- Top notch line -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:pathData="M4.5,12.55 L22.03,12.55"/>
+
+    <!-- Bottom notch line -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:pathData="M4.5,35.45 L22.03,35.45"/>
+
+    <!-- NFC waves (outer, mid, inner) -->
+    <path
+        android:fillColor="#00000000"
+        android:strokeColor="?attr/colorOnSurface"
+        android:strokeWidth="2"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round"
+        android:pathData="M36.07,9.29 a18.28,18.28,0,0,1,0,29.42 m-4,-24.16 a11.84,11.84,0,0,1,5,9.45 11.84,11.84,0,0,1,-5,9.45 m-3.68,-14 a5.67,5.67,0,0,1,0,9.1"/>
+
 </vector>

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

@@ -4,13 +4,47 @@
     android:height="108dp"
     android:viewportWidth="108"
     android:viewportHeight="108">
+
     <group
         android:translateX="30"
         android:translateY="30"
-        android:scaleX="2"
-        android:scaleY="2">
+        android:scaleX="1.0"
+        android:scaleY="1.0">
+
+        <!-- Phone outline -->
         <path
-            android:fillColor="#FFFFFF"
-            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" />
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:strokeLineJoin="round"
+            android:pathData="M6.08,8.6 L20.45,8.6 A1.58,1.58,0,0,1,22.03,10.18 L22.03,37.81 A1.58,1.58,0,0,1,20.45,39.39 L6.08,39.39 A1.58,1.58,0,0,1,4.5,37.81 L4.5,10.18 A1.58,1.58,0,0,1,6.08,8.6 Z"/>
+
+        <!-- Top notch line -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:pathData="M4.5,12.55 L22.03,12.55"/>
+
+        <!-- Bottom notch line -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:pathData="M4.5,35.45 L22.03,35.45"/>
+
+        <!-- NFC waves -->
+        <path
+            android:fillColor="#00000000"
+            android:strokeColor="#FFFFFF"
+            android:strokeWidth="2.5"
+            android:strokeLineCap="round"
+            android:strokeLineJoin="round"
+            android:pathData="M36.07,9.29 a18.28,18.28,0,0,1,0,29.42 m-4,-24.16 a11.84,11.84,0,0,1,5,9.45 11.84,11.84,0,0,1,-5,9.45 m-3.68,-14 a5.67,5.67,0,0,1,0,9.1"/>
+
     </group>
+
 </vector>

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

@@ -87,6 +87,7 @@ app:menu="@menu/bottom_nav_menu" />
         android:layout_height="match_parent"
         android:layout_gravity="start"
         android:fitsSystemWindows="true"
+        app:headerLayout="@layout/nav_header"
         app:menu="@menu/drawer_menu" />
 
 </androidx.drawerlayout.widget.DrawerLayout>

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

@@ -93,6 +93,7 @@
 
             <!-- Divider -->
             <View
+                android:id="@+id/divider"
                 android:layout_width="match_parent"
                 android:layout_height="1dp"
                 android:layout_marginHorizontal="24dp"
@@ -173,6 +174,32 @@
 
             </LinearLayout>
 
+            <!-- Hide from dashboard toggle (manage mode only) -->
+            <LinearLayout
+                android:id="@+id/llHideDashboardRow"
+                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_hide_from_dashboard"
+                    android:textAppearance="?attr/textAppearanceBodyMedium" />
+
+                <com.google.android.material.materialswitch.MaterialSwitch
+                    android:id="@+id/switchHideFromDashboard"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content" />
+
+            </LinearLayout>
+
             <!-- Card management actions (manage mode only) -->
             <LinearLayout
                 android:id="@+id/llManageButtons"
@@ -242,6 +269,13 @@
 
         </LinearLayout>
 
+        <!-- Tap-to-pay overlay: shown in tap mode, sits above contentLayout -->
+        <FrameLayout
+            android:id="@+id/flTapMode"
+            android:layout_width="match_parent"
+            android:layout_height="match_parent"
+            android:visibility="gone" />
+
         <!-- Loading state -->
         <LinearLayout
             android:id="@+id/loadingView"

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

@@ -73,22 +73,42 @@
                 android:singleLine="true" />
         </com.google.android.material.textfield.TextInputLayout>
 
-        <com.google.android.material.textfield.TextInputLayout
-            android:id="@+id/tilOtpSeed"
+        <LinearLayout
+            android:id="@+id/rowOtpSeed"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:hint="@string/otp_seed"
-            android:layout_marginBottom="8dp"
-            app:endIconMode="password_toggle"
-            style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
-            <com.google.android.material.textfield.TextInputEditText
-                android:id="@+id/etOtpSeed"
-                android:layout_width="match_parent"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:layout_marginBottom="8dp">
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilOtpSeed"
+                android:layout_width="0dp"
                 android:layout_height="wrap_content"
-                android:inputType="textPassword"
-                android:imeOptions="actionDone"
-                android:singleLine="true" />
-        </com.google.android.material.textfield.TextInputLayout>
+                android:layout_weight="1"
+                android:hint="@string/otp_seed"
+                app:endIconMode="password_toggle"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etOtpSeed"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:inputType="textPassword"
+                    android:imeOptions="actionDone"
+                    android:singleLine="true" />
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnScanOtpSeed"
+                style="@style/Widget.Material3.Button.IconButton"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp"
+                app:icon="@drawable/ic_qr_scan"
+                android:contentDescription="@string/scan_otp_qr"
+                android:tooltipText="@string/scan_otp_qr" />
+
+        </LinearLayout>
 
         <com.google.android.material.textfield.TextInputLayout
             android:id="@+id/tilTotpCode"

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

@@ -44,6 +44,14 @@
                 android:layout_weight="1"
                 android:text="@string/settings_nav_drawer" />
 
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavCircular"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_circular" />
+
             <com.google.android.material.button.MaterialButton
                 android:id="@+id/btnNavBottom"
                 style="@style/Widget.Material3.Button.OutlinedButton"

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

@@ -139,21 +139,11 @@
             android:layout_width="0dp"
             android:layout_weight="1"
             android:layout_height="wrap_content"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:enabled="false"
             android:text="@string/paymvqr_save_image"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnScanQr"
-            style="@style/Widget.Material3.Button.OutlinedButton"
-            android:layout_width="0dp"
-            android:layout_weight="1"
-            android:layout_height="wrap_content"
-            android:layout_marginStart="4dp"
-            android:text="@string/transfer_scan_qr"
-            app:icon="@drawable/ic_qr_scan" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -7,6 +7,14 @@
     android:orientation="vertical"
     android:background="?attr/colorSurface">
 
+    <ScrollView
+        android:id="@+id/receiptContainer"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:overScrollMode="never"
+        android:scrollbars="none">
+
     <!-- ══════════════════════════════════════════════════════════════════════ -->
     <!-- Renderable receipt card                                                -->
     <!-- ══════════════════════════════════════════════════════════════════════ -->
@@ -207,10 +215,13 @@
 
     </LinearLayout>
 
+    </ScrollView>
+
     <!-- ══════════════════════════════════════════════════════════════════════ -->
     <!-- Action buttons — outside renderable area                               -->
     <!-- ══════════════════════════════════════════════════════════════════════ -->
     <LinearLayout
+        android:id="@+id/btnRow"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"

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

@@ -7,6 +7,14 @@
     android:orientation="vertical"
     android:background="?attr/colorSurface">
 
+    <ScrollView
+        android:id="@+id/receiptContainer"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:overScrollMode="never"
+        android:scrollbars="none">
+
     <!-- Renderable receipt card (header grows to fill remaining space) -->
     <LinearLayout
         android:id="@+id/receiptCard"
@@ -236,8 +244,11 @@
 
     </LinearLayout>
 
+    </ScrollView>
+
     <!-- Action buttons — outside renderable area -->
     <LinearLayout
+        android:id="@+id/btnRow"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"

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

@@ -0,0 +1,222 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:padding="24dp">
+
+        <ImageView
+            android:id="@+id/ivLogo"
+            android:layout_width="72dp"
+            android:layout_height="72dp"
+            android:layout_gravity="center_horizontal"
+            android:layout_marginBottom="16dp"
+            android:src="@drawable/ic_logo"
+            android:contentDescription="@string/app_name" />
+
+        <TextView
+            android:id="@+id/tvAppName"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center_horizontal"
+            android:textAppearance="?attr/textAppearanceHeadlineSmall"
+            android:layout_marginBottom="4dp" />
+
+        <TextView
+            android:id="@+id/tvVersion"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center_horizontal"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:alpha="0.6"
+            android:layout_marginBottom="20dp" />
+
+        <View
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:background="?attr/colorOutlineVariant"
+            android:layout_marginBottom="24dp" />
+
+        <TextView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/about_legal"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:layout_marginBottom="24dp" />
+
+        <View
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:background="?attr/colorOutlineVariant"
+            android:layout_marginBottom="16dp" />
+
+        <TextView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/about_terms"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="4dp" />
+
+        <LinearLayout
+            android:id="@+id/rowMibTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/mib_logo"
+                android:scaleType="fitCenter"
+                android:contentDescription="MIB" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Maldives Islamic Bank"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowBmlTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/bml_icon"
+                android:scaleType="fitCenter"
+                android:contentDescription="BML" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Bank of Maldives"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowFahipayTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/fahipay_logo"
+                android:scaleType="fitCenter"
+                android:contentDescription="Fahipay" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Fahipay"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sectionDonate"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical">
+
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="1dp"
+                android:background="?attr/colorOutlineVariant"
+                android:layout_marginTop="8dp"
+                android:layout_marginBottom="16dp" />
+
+            <TextView
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:text="@string/about_donate_title"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:layout_marginBottom="6dp" />
+
+            <TextView
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:text="@string/about_donate_desc"
+                android:textAppearance="?attr/textAppearanceBodyMedium"
+                android:alpha="0.7"
+                android:layout_marginBottom="16dp" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDonateMvr"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:layout_marginEnd="8dp"
+                    android:text="@string/about_donate_mvr" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDonateUsd"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/about_donate_usd" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</ScrollView>

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

@@ -35,6 +35,14 @@
                 android:layout_weight="1"
                 android:text="@string/settings_nav_drawer" />
 
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnNavCircular"
+                style="@style/Widget.Material3.Button.OutlinedButton"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="@string/settings_nav_circular" />
+
             <com.google.android.material.button.MaterialButton
                 android:id="@+id/btnNavBottom"
                 style="@style/Widget.Material3.Button.OutlinedButton"
@@ -70,6 +78,31 @@
 
         </LinearLayout>
 
+        <!-- Circular nav shortcuts — shown only when circular nav is active -->
+        <LinearLayout
+            android:id="@+id/sectionCircularSlots"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:layout_marginBottom="16dp">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:text="@string/settings_circular_shortcuts"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:layout_marginTop="8dp"
+                android:layout_marginBottom="12dp" />
+
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvCircularSlots"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:nestedScrollingEnabled="false"
+                android:overScrollMode="never" />
+
+        </LinearLayout>
+
         <!-- Bottom bar shortcuts — shown only when bottom nav is active -->
         <LinearLayout
             android:id="@+id/sectionBottomBarShortcuts"

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

@@ -182,6 +182,55 @@
 
         </LinearLayout>
 
+        <!-- Default account divider + row (shown only for non-card accounts) -->
+        <View
+            android:id="@+id/dividerDefaultAccount"
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:layout_marginTop="16dp"
+            android:background="?attr/colorOutlineVariant"
+            android:visibility="gone" />
+
+        <LinearLayout
+            android:id="@+id/llDefaultAccountRow"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:layout_marginTop="12dp"
+            android:visibility="gone">
+
+            <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="Default account"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="Auto-selected for transfers and PayMV QR"
+                    android:textAppearance="?attr/textAppearanceLabelSmall"
+                    android:textColor="?attr/colorOnSurfaceVariant"
+                    android:layout_marginTop="2dp" />
+
+            </LinearLayout>
+
+            <com.google.android.material.materialswitch.MaterialSwitch
+                android:id="@+id/switchDefaultAccount"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="12dp" />
+
+        </LinearLayout>
+
     </LinearLayout>
 
 </com.google.android.material.card.MaterialCardView>

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

@@ -26,15 +26,6 @@
         app:layout_constraintTop_toTopOf="parent"
         app:layout_constraintBottom_toBottomOf="parent">
 
-        <ImageButton
-            android:id="@+id/btnTransferContact"
-            android:layout_width="36dp"
-            android:layout_height="36dp"
-            android:background="?attr/selectableItemBackgroundBorderless"
-            android:src="@drawable/ic_send"
-            android:padding="6dp"
-            android:contentDescription="@string/transfer" />
-
         <ImageButton
             android:id="@+id/btnEditContact"
             android:layout_width="36dp"
@@ -54,6 +45,15 @@
             android:tint="?attr/colorError"
             android:contentDescription="@string/contact_delete" />
 
+        <ImageButton
+            android:id="@+id/btnTransferContact"
+            android:layout_width="36dp"
+            android:layout_height="36dp"
+            android:background="?attr/selectableItemBackgroundBorderless"
+            android:src="@drawable/ic_send"
+            android:padding="6dp"
+            android:contentDescription="@string/transfer" />
+
     </LinearLayout>
 
     <LinearLayout

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

@@ -0,0 +1,25 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="horizontal"
+    android:gravity="center_vertical"
+    android:paddingStart="16dp"
+    android:paddingEnd="16dp"
+    android:paddingTop="24dp"
+    android:paddingBottom="16dp">
+
+    <ImageView
+        android:layout_width="40dp"
+        android:layout_height="40dp"
+        android:src="@mipmap/ic_launcher"
+        android:contentDescription="@string/app_name" />
+
+    <TextView
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:text="@string/app_name"
+        android:textAppearance="?attr/textAppearanceTitleMedium" />
+
+</LinearLayout>

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

@@ -0,0 +1,72 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:orientation="vertical"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent">
+
+    <!-- Drag handle -->
+    <View
+        android:layout_width="36dp"
+        android:layout_height="4dp"
+        android:layout_gravity="center_horizontal"
+        android:layout_marginTop="12dp"
+        android:layout_marginBottom="4dp"
+        android:background="@drawable/drag_handle_bg" />
+
+    <!-- Header row -->
+    <LinearLayout
+        android:id="@+id/notifHeader"
+        android:orientation="horizontal"
+        android:gravity="center_vertical"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:paddingHorizontal="20dp"
+        android:paddingVertical="8dp">
+
+        <TextView
+            android:id="@+id/tvNotifTitle"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:text="Notifications"
+            android:textAppearance="?attr/textAppearanceTitleLarge"
+            android:textStyle="bold" />
+
+        <TextView
+            android:id="@+id/btnMarkAllRead"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="Mark all read"
+            android:textAppearance="?attr/textAppearanceLabelMedium"
+            android:padding="8dp"
+            android:background="?attr/selectableItemBackgroundBorderless"
+            android:focusable="true"
+            android:clickable="true"
+            android:textColor="?attr/colorPrimary" />
+
+    </LinearLayout>
+
+    <!-- Divider -->
+    <View
+        android:layout_width="match_parent"
+        android:layout_height="1dp"
+        android:alpha="0.12"
+        android:background="?attr/colorOnSurface" />
+
+    <!-- Tabs -->
+    <com.google.android.material.tabs.TabLayout
+        android:id="@+id/notifTabs"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        app:tabMode="fixed"
+        app:tabGravity="fill" />
+
+    <!-- Pager fills remaining height -->
+    <androidx.viewpager2.widget.ViewPager2
+        android:id="@+id/notifPager"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1" />
+
+</LinearLayout>

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

@@ -0,0 +1,17 @@
+<?xml version="1.0" encoding="utf-8"?>
+<com.google.android.material.button.MaterialButton
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    style="@style/Widget.Material3.Button.TonalButton"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:minWidth="0dp"
+    android:minHeight="0dp"
+    android:paddingTop="14dp"
+    android:paddingBottom="14dp"
+    android:text="@string/cancel"
+    android:textSize="13sp"
+    app:icon="@drawable/ic_block"
+    app:iconSize="22dp"
+    app:iconGravity="top"
+    app:iconPadding="6dp" />

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

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

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

@@ -4,4 +4,5 @@
     <color name="seed_primary">#3F65AD</color>
     <color name="seed_secondary">#9AD141</color>
     <color name="color_unpaid">#E85D04</color>
+    <color name="ic_logo_background">#E8B547</color>
 </resources>

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

@@ -35,6 +35,7 @@
     <string name="password">Password</string>
     <string name="otp_seed">OTP Seed (TOTP Secret)</string>
     <string name="otp_seed_hint">The Base32 secret from your authenticator setup</string>
+    <string name="scan_otp_qr">Scan OTP QR</string>
     <string name="login">Login</string>
 
     <!-- Lock screen -->
@@ -138,7 +139,7 @@
     <string name="settings_biometrics">Use biometrics</string>
     <string name="settings_biometrics_unavailable">No biometrics enrolled on this device</string>
     <string name="settings_biometrics_unlock">To unlock app</string>
-    <string name="settings_biometrics_transfer">Confirm transfer</string>
+    <string name="settings_biometrics_transfer">Confirm transaction</string>
     <string name="biometric_transfer_title">Confirm Transfer</string>
     <string name="settings_autolock">Auto-lock</string>
     <string name="autolock_off">Off</string>
@@ -175,7 +176,9 @@
     <string name="settings_navigation">Navigation</string>
     <string name="settings_nav_drawer">Drawer</string>
     <string name="settings_nav_bottom">Bottom Bar</string>
+    <string name="settings_nav_circular">Circular</string>
     <string name="settings_appearance">Appearance</string>
+    <string name="settings_circular_shortcuts">Circular Nav Shortcuts</string>
     <string name="settings_bottom_bar_shortcuts">Bottom Bar Shortcuts</string>
     <string name="settings_bottom_bar_show_labels">Always show bottom bar labels</string>
     <string name="settings_bottom_bar_select">Choose button</string>
@@ -189,6 +192,27 @@
     <string name="settings_desc_appearance">Theme, language, and display options</string>
     <string name="settings_desc_privacy_security">App lock, PIN, and security preferences</string>
     <string name="settings_desc_storage">Manage cached data and storage usage</string>
+    <string name="settings_notifications">Notifications</string>
+    <string name="settings_desc_notifications">Background alerts for new bank activity</string>
+    <string name="settings_notif_section">Background Polling</string>
+    <string name="settings_notif_enable">Enable background notifications</string>
+    <string name="settings_notif_enable_desc">Receive alerts for new transactions and activity</string>
+    <string name="settings_notif_description">Keeps the app running in the background and notifies you of new bank activity. A persistent status bar notification is shown while active — you can silence or hide it in notification channels.</string>
+    <string name="settings_notif_open_system">Notification channels</string>
+    <string name="settings_notif_channels_desc">Manage sounds, alerts, and silence the background service notification</string>
+    <string name="notif_service_title">Thijooree</string>
+    <string name="notif_service_desc">Checking for new bank notifications</string>
+    <string name="notif_channel_service">Background service</string>
+    <string name="settings_about">About</string>
+    <string name="settings_desc_about">App info, version, and legal</string>
+    <string name="about_version">Version %s</string>
+    <string name="about_short_desc">Thijooree is a native Android client for Maldivian banking services.</string>
+    <string name="about_terms">Terms of Service</string>
+    <string name="about_donate_title">Support Development</string>
+    <string name="about_donate_desc">If you find this app useful, a small donation goes a long way in keeping it alive and improving.</string>
+    <string name="about_donate_mvr">Donate in MVR</string>
+    <string name="about_donate_usd">Donate in USD</string>
+    <string name="about_legal">Thijooree is an independent, third-party app. It is not affiliated with, endorsed by, or officially supported by any bank or financial institution.\n\nThis app works by logging into your internet banking services directly using your credentials and communicating with bank APIs. It is built using techniques derived from reverse-engineered official bank apps. Behaviour may change or break without notice if banks update their systems.\n\nDhiraagu and Ooredoo APIs are used to look up details about phone numbers.\n\nThis app does not collect any analytics, telemetry, or personal data, and does not transmit any information about you or your usage to the developer. Everything stays entirely on your device.</string>
     <string name="settings_logout">Log out</string>
     <string name="settings_logout_confirm_title">Log out of %s?</string>
     <string name="settings_logout_confirm_message">All cached data will be cleared and remaining accounts will be refreshed.</string>
@@ -238,14 +262,16 @@
     <string name="transfer_lookup_account">Look up account</string>
     <string name="transfer_clear_recipient">Clear recipient</string>
     <string name="transfer_pick_contact">Pick contact</string>
-    <string name="transfer_scan_qr">Scan QR</string>
+    <string name="transfer_scan_qr">Scan to Pay</string>
     <string name="qr_pick_image">Pick image</string>
     <string name="transfer_qr_invalid">Invalid or unsupported QR code</string>
+    <string name="card_qr_paymv_unsupported">PayMV QR is not supported for card payments — switching to transfer</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_no_from_account">Please set a default account or select From account first</string>
     <string name="transfer_enter_account_first">Enter an account number first</string>
     <string name="transfer_account_not_found">Account not found</string>
     <string name="transfer_session_unavailable">Session unavailable — please re-login</string>
@@ -254,7 +280,8 @@
     <string name="transfer_confirm">Confirm</string>
     <string name="transfer_success">Transfer Successful</string>
     <string name="transfer_bml_contact_required_title">Contact Required</string>
-    <string name="transfer_bml_contact_required_msg">To send USD to a MIB account from BML, the recipient must be saved as a BML contact first. This is required by BML\'s API.\n\nPlease add this account as a BML contact, then try again.</string>
+    <string name="transfer_bml_contact_required_msg">We couldn\'t verify the recipient\'s currency for this transfer.\n\nPlease save them as a contact, manually select the correct currency, then try again.</string>
+    <string name="transfer_bml_contact_required_msg_bml_limit">BML\'s API requires the recipient to be saved as a contact when sending USD to a non-BML account, even though we verified the account.\n\nPlease save them as a contact, then try again.</string>
     <string name="transfer_missing_internal_id">Account data is incomplete — please re-login to refresh.</string>
     <string name="transfer_verify_payment">Verify Payment</string>
     <string name="transfer_send_otp_via">Send verification code via</string>
@@ -330,11 +357,30 @@
     <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="nfc_unsupported_title">Not Supported</string>
+    <string name="nfc_unsupported_message">Tap to Pay is not supported on this device.</string>
+    <string name="nfc_disabled_title">NFC is Off</string>
+    <string name="nfc_disabled_message">Turn on NFC to use Tap to Pay.</string>
+    <string name="nfc_open_settings">NFC Settings</string>
+    <string name="nfc_not_default_title">Set Default Payment App</string>
+    <string name="nfc_not_default_message">Set %1$s as the default contactless payment app to use Tap to Pay.</string>
+    <string name="nfc_payment_open_settings">Payment Settings</string>
     <string name="card_manage">Manage Card</string>
     <string name="card_set_as_default">Set as Default Card</string>
+    <string name="card_hide_from_dashboard">Hide from Dashboard</string>
     <string name="card_action_change_pin">Change PIN</string>
     <string name="card_action_freeze">Freeze</string>
+    <string name="card_action_unfreeze">Unfreeze</string>
     <string name="card_action_block">Block</string>
+    <string name="card_freeze_confirm_title">Freeze card?</string>
+    <string name="card_freeze_confirm_message">This will temporarily stop the card from being used. You can unfreeze it anytime you want to use it again.</string>
+    <string name="card_unfreeze_confirm_title">Unfreeze card?</string>
+    <string name="card_unfreeze_confirm_message">This will re-enable the card for transactions.</string>
+    <string name="card_freeze_success">Card frozen</string>
+    <string name="card_unfreeze_success">Card unfrozen</string>
+    <string name="card_freeze_failed">Failed to update card status</string>
+    <string name="card_freeze_comments_hint">Reason (optional)</string>
+    <string name="card_status_temp_blocked">Temporary blocked by client</string>
     <string name="cards_empty">No cards found</string>
 
     <!-- Connectivity banner -->

app/src/main/res/xml/bml_aid_list.xml

@@ -0,0 +1,24 @@
+<?xml version="1.0" encoding="utf-8"?>
+<host-apdu-service xmlns:android="http://schemas.android.com/apk/res/android"
+    android:description="@string/app_name"
+    android:requireDeviceUnlock="false">
+
+    <aid-group
+        android:description="@string/app_name"
+        android:category="payment">
+
+        <!-- PPSE: 2PAY.SYS.DDF01 -->
+        <aid-filter android:name="325041592E5359532E4444463031" />
+
+        <!-- Visa -->
+        <aid-filter android:name="A0000000031010" />
+
+        <!-- Mastercard -->
+        <aid-filter android:name="A0000000041010" />
+
+        <!-- Amex -->
+        <aid-filter android:name="A000000025" />
+
+    </aid-group>
+
+</host-apdu-service>

app/src/main/res/xml/shortcuts.xml

@@ -28,13 +28,13 @@
     </shortcut>
 
     <shortcut
-        android:shortcutId="pay_with_card"
+        android:shortcutId="tap_to_pay"
         android:enabled="true"
         android:icon="@drawable/ic_shortcut_pay_card"
-        android:shortcutShortLabel="@string/nav_pay_with_card"
-        android:shortcutLongLabel="@string/nav_pay_with_card">
+        android:shortcutShortLabel="@string/card_pay_nfc"
+        android:shortcutLongLabel="@string/card_pay_nfc">
         <intent
-            android:action="sh.sar.basedbank.OPEN_PAY_WITH_CARD"
+            android:action="sh.sar.basedbank.TAP_TO_PAY"
             android:targetPackage="sh.sar.basedbank"
             android:targetClass="sh.sar.basedbank.MainActivity" />
         <categories android:name="android.shortcut.conversation" />

docs/README.md

@@ -0,0 +1,21 @@
+# Thijooree Documentation
+
+---
+
+## App Internals
+
+| Section | Description |
+|---|---|
+| [thijooree/](thijooree/README.md) | UI flows, routing logic, parsers, and security audit for the Android client |
+
+---
+
+## Bank & Service APIs
+
+| Section | Description |
+|---|---|
+| [bmlapi/](bmlapi/README.md) | Bank of Maldives — hybrid web/OAuth login, dashboard, transfers, cards, QR payments, tap-to-pay |
+| [mibapi/](mibapi/README.md) | MIB Faisanet — Blowfish-encrypted API + WebView session, accounts, transfers, contacts |
+| [fahipayapi/](fahipayapi/README.md) | Fahipay digital wallet — login, balance, history, contacts |
+| [dhiraaguapi/](dhiraaguapi/README.md) | Dhiraagu Easy Pay — number lookup for reload / bill pay |
+| [ooredooapi/](ooredooapi/README.md) | Ooredoo Quick Pay — number validation for Raastas / bill pay |

docs/bmlapi/01-login.md

@@ -211,6 +211,16 @@ GET https://www.bankofmaldives.com.mv/internetbanking/web/profile
 
 `302` redirect (to `/web/redirect` or similar). The server has auto-activated the sole profile and set the `blaze_identity` cookie. Skip Step 6 and proceed directly to [OAuth Token Exchange](03-oauth-token.md).
 
+In this fast-path the client has no real `profile_id` to track, so a placeholder `BmlProfile` is synthesized (`BmlLoginFlow.kt:127-135`):
+
+| Field | Value |
+|---|---|
+| `profileId` | `username` (used as a stable temporary ID — replaced by the real customer number after `fetchUserInfo`) |
+| `name` | `"Personal"` |
+| `type` | `"Profile"` |
+| `profileType` | `"default"` |
+| `autoActivated` | `true` — sentinel; `activateProfile` skips the Step 6 GET and goes straight to OAuth |
+
 ---
 
 ## Step 6 — Activate Profile

docs/bmlapi/03-oauth-token.md

@@ -135,19 +135,21 @@ POST https://www.bankofmaldives.com.mv/internetbanking/oauth/token
 
 **Content-Type:** `application/x-www-form-urlencoded`
 
+**HTTP `User-Agent` header**: the browser/web UA (same as the initial token exchange), not the app UA. See `BmlLoginFlow.kt:341`.
+
 | Field | Value |
 |---|---|
 | `grant_type` | `refresh_token` |
 | `refresh_token` | Stored refresh token |
 | `client_id` | `98C83590-513F-4716-B02B-EC68B7D9E7E7` |
 | `Device-ID` | Same device ID from the original login |
-| `User-Agent` | App user agent string |
+| `User-Agent` | App user agent string (form field — distinct from the HTTP header above) |
 | `x-app-version` | `2.1.44.348` |
 
 ```bash
 curl --request POST \
   --url 'https://www.bankofmaldives.com.mv/internetbanking/oauth/token' \
-  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'User-Agent: Mozilla/5.0 (Linux; Android {version}; {model}) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/... Mobile Safari/537.36' \
   --data 'grant_type=refresh_token' \
   --data 'refresh_token=def50200aabbcc...' \
   --data 'client_id=98C83590-513F-4716-B02B-EC68B7D9E7E7' \

docs/bmlapi/04-dashboard.md

@@ -78,7 +78,7 @@ curl --request GET \
         "currency": "MVR",
         "account_status": "Active",
         "prepaid_card": false,
-        "product_code": "VISA",
+        "product_code": "C1007",
         "account_visible": false,
         "cardBalance": {
           "AvailableLimit": 0.0,
@@ -94,7 +94,7 @@ curl --request GET \
         "currency": "MVR",
         "account_status": "Active",
         "prepaid_card": true,
-        "product_code": "VISA",
+        "product_code": "C1007",
         "account_visible": true,
         "cardBalance": {
           "AvailableLimit": 200.00,
@@ -164,7 +164,7 @@ curl --request GET \
 | Field | Type | Description |
 |---|---|---|
 | `prepaid_card` | `bool` | `true` for prepaid cards |
-| `product_code` | `string` | Card scheme (e.g. `"VISA"`) |
+| `product_code` | `string` | BML product code, always `Cxxxx` (e.g. `"C1007"`) — see mapping below |
 | `account_visible` | `bool` | `true` for credit cards, `false` for debit cards |
 | `cardBalance.AvailableLimit` | `number` | Available credit/prepaid balance |
 | `cardBalance.CurrentBalance` | `number` | Current outstanding balance |
@@ -179,7 +179,12 @@ curl --request GET \
 
 ### Product Code → Card Name
 
-The `product_code` field identifies the specific card product. Known mappings:
+The `product_code` field identifies the specific card product. Resolution is two-tiered (`util/bmlapi/BmlCardParser.kt`):
+
+1. **Network icon** (Visa / Mastercard / Amex chip in the corner) — by prefix: `C1*` → Visa, `C3*` → Amex, `C8*` → Mastercard, with `C8905` and `C8995` overridden to Visa.
+2. **Card image asset** — by exact-match list below; unknown codes fall back to `defaultcard.png`.
+
+Known asset mappings:
 
 | `product_code` | Card name | Asset |
 |---|---|---|
@@ -202,12 +207,12 @@ The `product_code` field identifies the specific card product. Known mappings:
 | `C3009`, `C3019`, `C3029`, `C3099`, `C3088`, `C3188` | Amex Credit Gold | `amex_credit_gold` |
 | `C1001`, `C1011`, `C1082`, `C1081`, `C1101`, `C1111`, `C1181`, `C1182` | Visa Debit Generic | `visa_debit_generic` |
 | `C1003`, `C1013`, `C1083`, `C1084`, `C1103`, `C1113`, `C1183`, `C1184` | Visa Gold | `visa_gold` |
-| `C1005`, `C1006`, `C1089` | Visa Debit Islamic | `visa_debit_islamic` |
+| `C1005`, `C1006`, `C1030`, `C1089` | Visa Debit Islamic | `visa_debit_islamic` |
 | `C1007`, `C1027`, `C1097`, `C1107`, `C1197`, `C1077`, `C1177` | Visa Debit | `visa_debit` |
 | `C1009`, `C1019`, `C1085`, `C1086`, `C1109`, `C1119`, `C1185`, `C1186` | Visa Platinum | `visa_platinum` |
 | `C1017` | Visa Infinite | `visa_infinite` |
 | `C1020`, `C1021` | Visa Debit Platinum | `visa_debit_platinum` |
-| `C1030`, `C1090`, `C1130`, `C1033`, `C1133` | Visa Corporate | `visa_corporate` |
+| `C1090`, `C1130`, `C1033`, `C1133` | Visa Corporate | `visa_corporate` |
 | `C1040`, `C1041`, `C1047`, `C1048`, `C1050`, `C1051`, `C1087`, `C1088`, `C1140`, `C1141`, `C1147`, `C1148`, `C1150`, `C1151`, `C1187`, `C1188` | Visa Student Black | `visa_student_black` |
 | `C1059`, `C1062`, `C1070`, `C1072`, `C1159`, `C1162` | Mastercard Prepaid Business | `master_prepaid_business` |
 | `C1061`, `C1063`, `C1071`, `C1073`, `C1161`, `C1163` | Mastercard | `master` |

docs/bmlapi/06-account-history.md

@@ -187,6 +187,76 @@ Fall back to `bookingDate` as-is.
 
 ---
 
+## Pending History
+
+Locked / pending amounts for a CASA account (e.g. unsettled card authorisations, holds). Returned as a flat list — no pagination.
+
+### Endpoint
+
+```
+GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/history/pending/{accountId}
+```
+
+| Path parameter | Description |
+|---|---|
+| `accountId` | Internal account ID (`id` field from [dashboard](04-dashboard.md)) |
+
+### Headers
+
+| Header | Value |
+|---|---|
+| `Authorization` | `Bearer <access_token>` |
+| `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
+| `x-app-version` | `2.1.44.348` |
+
+```bash
+curl --request GET \
+  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/history/pending/abc123def456' \
+  --header 'Authorization: Bearer <access_token>' \
+  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'x-app-version: 2.1.44.348'
+```
+
+### Response
+
+```json
+{
+  "success": true,
+  "payload": [
+    {
+      "LockedID": "L00012345",
+      "FromDate": "2026-05-16",
+      "LockedAmount": 75.00,
+      "Description": "Card authorisation — Merchant Name"
+    }
+  ]
+}
+```
+
+### Response Fields
+
+| Field | Type | Description |
+|---|---|---|
+| `success` | `bool` | `true` on success |
+| `payload` | `array` | List of pending entries (top-level array, **not** under `payload.history`) |
+
+### Pending Entry
+
+| Field | Type | Description |
+|---|---|---|
+| `LockedID` | `string` | Unique ID for the pending entry |
+| `FromDate` | `string` | Date the hold was placed |
+| `LockedAmount` | `number` | Held amount — always a positive number on the wire; the client treats it as a **debit** by negating (`BmlHistoryClient.kt:184`) |
+| `Description` | `string` | Free-form description (counterparty/merchant) |
+
+> **Amount sign:** the server returns `LockedAmount` as a positive number with no debit/credit indicator. All pending entries are debits (funds reserved out of the available balance), so the client negates the value before display.
+
+> **Currency:** not returned by the server. The client assumes MVR.
+
+Called from `AccountHistoryFragment.kt:263` to populate the pending tab of the account history view.
+
+---
+
 &nbsp;
 
 ---