release v1.0.21

.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

@@ -16,5 +16,7 @@ local.properties
 docs/mibapi/tmp
 docs/bmlapi/tmp
 docs/fahipayapi/tmp
+docs/mfaisaapi/tmp
 tmp
 app/key.jks
+.kotlin/*

.idea/deploymentTargetSelector.xml

@@ -4,10 +4,10 @@
     <selectionStates>
       <SelectionState runConfigName="app">
         <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-05-28T18:41:19.777722821Z">
+        <DropdownSelection timestamp="2026-06-13T17:53:06.478193524Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="PhysicalDevice" identifier="serial=4254e2f" />
+              <DeviceId pluginId="PhysicalDevice" identifier="serial=a703e092" />
             </handle>
           </Target>
         </DropdownSelection>

README.md

@@ -30,6 +30,9 @@ API reverse-engineering notes and app internals are in [`docs/`](docs/README.md)
 
 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 = 12
-        versionName = "1.0.13"
+        versionCode = 22
+        versionName = "1.0.21"
 
         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
     }
 }
 

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/main/AndroidManifest.xml

@@ -8,6 +8,11 @@
     <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" />
 
@@ -68,6 +73,11 @@
             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"

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

@@ -8,6 +8,7 @@ import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.mfaisa.MfaisaSession
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfile
@@ -48,6 +49,10 @@ class BasedBankApp : Application() {
     val fahipaySessions: MutableMap<String, FahipaySession> = mutableMapOf()
     var fahipayAccounts: List<BankAccount> = emptyList()
 
+    /** Active M-Faisa sessions keyed by loginId (= msisdn). */
+    val mfaisaSessions: MutableMap<String, MfaisaSession> = mutableMapOf()
+    var mfaisaAccounts: List<BankAccount> = emptyList()
+
     // ─── MIB helpers ──────────────────────────────────────────────────────────
 
     /** Returns the MIB session for the given account (matched via loginTag). */
@@ -110,6 +115,26 @@ class BasedBankApp : Application() {
     fun fahipaySessionFor(account: BankAccount): FahipaySession? =
         fahipaySessions[account.loginTag.removePrefix("fahipay_")]
 
+    // ─── M-Faisa helpers ──────────────────────────────────────────────────────
+
+    /** Returns the M-Faisa session for the given account (matched via loginTag = "mfaisa_${msisdn}"). */
+    fun mfaisaSessionFor(account: BankAccount): MfaisaSession? =
+        mfaisaSessions[account.loginTag.removePrefix("mfaisa_")]
+
+    /**
+     * Re-runs `fetchSubscriber` + `doMobileLogin` using the saved credentials for [loginId] and
+     * replaces the cached session. Call this after catching [sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException].
+     * Returns the fresh session, or null if no credentials are saved for that login.
+     */
+    fun refreshMfaisaSession(loginId: String): MfaisaSession? {
+        val creds = CredentialStore(this).loadMfaisaCredentials(loginId) ?: return null
+        val flow = sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow(this)
+        flow.fetchSubscriber(creds.msisdn)
+        val result = flow.doMobileLogin(creds.msisdn, creds.pin)
+        mfaisaSessions[loginId] = result.session
+        return result.session
+    }
+
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */
     val mibMutex = Mutex()
 

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
@@ -270,7 +279,8 @@ class LockActivity : AppCompatActivity() {
             finish()
         } else {
             val store = CredentialStore(this)
-            val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+            val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() ||
+                store.hasFahipayCredentials() || store.hasMfaisaCredentials()
             if (!hasCredentials) {
                 startActivity(Intent(this, sh.sar.basedbank.ui.login.LoginActivity::class.java))
                 finish()

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

@@ -41,7 +41,8 @@ class MainActivity : AppCompatActivity() {
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
         val store = CredentialStore(this)
-        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() ||
+            store.hasFahipayCredentials() || store.hasMfaisaCredentials()
 
         // 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 &&

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/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/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/mfaisa/MfaisaAccountClient.kt

@@ -0,0 +1,35 @@
+package sh.sar.basedbank.api.mfaisa
+
+import sh.sar.basedbank.api.models.BankAccount
+
+object MfaisaAccountClient {
+
+    /**
+     * Build one BankAccount per pocket from a login result.
+     * `loginTag` is "mfaisa_<msisdn>" (one per M-Faisa account on the device).
+     */
+    fun buildAccounts(result: MfaisaLoginResult, loginTag: String): List<BankAccount> {
+        val displayName = result.profile.name.ifBlank { "M-Faisa" }
+        return result.pockets.map { p ->
+            val balance = "%.2f".format(p.balance)
+            BankAccount(
+                bank             = "MFAISA",
+                profileName      = displayName,
+                profileType      = if (p.pocketValueType == "PAYPAL_USD") "MFAISA_PAYPAL" else "MFAISA",
+                accountNumber    = p.pocketId,
+                accountBriefName = p.nickname.ifBlank { p.displayName.ifBlank { "M-Faisa" } },
+                currencyName     = p.currency,
+                accountTypeName  = p.displayName.ifBlank { "Mobile Wallet" },
+                availableBalance = balance,
+                currentBalance   = balance,
+                blockedAmount    = "0.00",
+                mvrBalance       = if (p.currency == "MVR") balance else "0.00",
+                statusDesc       = p.statusType.ifBlank { "ACTIVE" },
+                profileImageHash = null,
+                loginTag         = loginTag,
+                profileId        = result.profile.subscriberId,
+                internalId       = result.profile.walletId
+            )
+        }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaCrypto.kt

@@ -0,0 +1,67 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.util.Base64
+import java.math.BigInteger
+import java.security.KeyFactory
+import java.security.PublicKey
+import java.security.SecureRandom
+import java.security.spec.MGF1ParameterSpec
+import java.security.spec.RSAPublicKeySpec
+import javax.crypto.Cipher
+import javax.crypto.spec.OAEPParameterSpec
+import javax.crypto.spec.PSource
+
+/**
+ * Field-level encryption for Ooredoo M-Faisa request payloads.
+ *
+ * Both keys live (obfuscated) in libnative-lib.so and were extracted by hooking
+ * the live app with Frida.
+ */
+object MfaisaCrypto {
+
+    // 1024-bit RSA key. Used for mdnId / mobileNumber / userName.
+    // Plaintext is "960" + msisdn. Cipher is OAEP/SHA-256.
+    private val MOBILE_N = BigInteger(
+        "125043708524451715642963973698406708755269502293565460606118930542682275971580032704131362488150174351194407172452175275612284031366512484449720820404229217064541745811143629538982383390723079478499614160620616911679256603296752844216620113064874342531851472851319065258962732556596958868200227678294957694889"
+    )
+    private val MOBILE_E = BigInteger("65537")
+
+    // 2048-bit RSA key. Used for mPin. Plaintext is `pin + <6-char alphanumeric salt>`.
+    // Cipher is OAEP/SHA-1. Output is hex.
+    private val PIN_N = BigInteger(
+        "30853988905151679601945771998041800603731623930944610745590884250489036547584511246061683594739124713335100655247634233703624305850983479131604065498722268916133039937128796419041248167624160300158401049118446352988895953596475734156239882174799821436218294725935232359347780127398770443981734096915599443841496235741614376221345134752344583283770986295156829944214841171989893291834036934949311011654192369326666754259268756426483563391867503815261490458479377640385950664660570354934951526319509191336410208609648686869010157285218492218371799827560010164293202383337546810220755107741865769246084291990864545504123"
+    )
+    private val PIN_E = BigInteger("65537")
+
+    private val mobileKey: PublicKey by lazy { rsaPublicKey(MOBILE_N, MOBILE_E) }
+    private val pinKey: PublicKey by lazy { rsaPublicKey(PIN_N, PIN_E) }
+
+    private val random = SecureRandom()
+    private const val SALT_ALPHABET =
+        "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789"
+
+    /** Encrypts "960" + MSISDN. Output is non-deterministic (OAEP random padding). */
+    fun encryptMobile(msisdn: String): String {
+        val cipher = Cipher.getInstance("RSA/ECB/OAEPWithSHA-256AndMGF1Padding")
+        val params = OAEPParameterSpec("SHA-256", "MGF1", MGF1ParameterSpec.SHA256, PSource.PSpecified.DEFAULT)
+        cipher.init(Cipher.ENCRYPT_MODE, mobileKey, params)
+        val ct = cipher.doFinal(("960" + msisdn).toByteArray(Charsets.UTF_8))
+        return Base64.encodeToString(ct, Base64.NO_WRAP)
+    }
+
+    /** Encrypts `pin + <6-char random alphanumeric salt>`. Output is hex (lowercase). */
+    fun encryptPin(pin: String): String {
+        val salt = buildString {
+            repeat(6) { append(SALT_ALPHABET[random.nextInt(SALT_ALPHABET.length)]) }
+        }
+        val plaintext = (pin + salt).toByteArray(Charsets.UTF_8)
+        val cipher = Cipher.getInstance("RSA/ECB/OAEPWithSHA-1AndMGF1Padding")
+        val params = OAEPParameterSpec("SHA-1", "MGF1", MGF1ParameterSpec.SHA1, PSource.PSpecified.DEFAULT)
+        cipher.init(Cipher.ENCRYPT_MODE, pinKey, params)
+        val ct = cipher.doFinal(plaintext)
+        return ct.joinToString("") { "%02x".format(it) }
+    }
+
+    private fun rsaPublicKey(n: BigInteger, e: BigInteger): PublicKey =
+        KeyFactory.getInstance("RSA").generatePublic(RSAPublicKeySpec(n, e))
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaHistoryClient.kt

@@ -0,0 +1,181 @@
+package sh.sar.basedbank.api.mfaisa
+
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.models.BankTransaction
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * Fetches the M-Faisa transaction summary for the active subscriber session.
+ *
+ * Endpoint: POST /transactionInquiry/fetchSummary
+ *
+ * Two extra anti-replay fields are required:
+ *   - rndValue : RSA-OAEP-SHA1 encryption of a fresh timestamp+salt with the mPin key
+ *               (i.e. the same routine as [MfaisaCrypto.encryptPin] applied to a timestamp)
+ *   - csValue  : Adler32(formDataJson + timestampPlaintext), as a decimal string
+ */
+class MfaisaHistoryClient {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    private val random = SecureRandom()
+
+    /**
+     * Fetches one page (`pageNo` is 1-based; recordSize defaults to 70 — the official app's value).
+     * Returns the parsed transactions and a flag indicating whether the server returned a full
+     * page (= more pages may be available).
+     */
+    data class Page(val transactions: List<BankTransaction>, val hasMore: Boolean)
+
+    fun fetchHistory(
+        session: MfaisaSession,
+        accountNumber: String,
+        accountDisplayName: String,
+        pageNo: Int,
+        recordSize: Int = 70
+    ): Page {
+        if (session.loginExchangeKey.isBlank() || session.subscriberId.isBlank() || session.msisdn.isBlank()) {
+            throw IllegalStateException("M-Faisa session is missing fields required for fetchSummary")
+        }
+
+        val innerMdn = MfaisaCrypto.encryptMobile(session.msisdn)
+        val outerMdn = MfaisaCrypto.encryptMobile(session.msisdn)  // independent encryption
+
+        val formData = JSONObject()
+            .put("actorRole", "RETAIL_SUBSCRIBER")
+            .put("actorRoleId", session.subscriberId)
+            .put("fromDate", "")
+            .put("mdnId", innerMdn)
+            .put("pageNo", pageNo.toString())
+            .put("recordSize", recordSize.toString())
+            .put("toDate", "")
+            .put("transactionType", "")
+        val formJson = formData.toString().matchGsonHtmlSafe()
+
+        // Anti-replay: nonce_str = (currentTimeMillis() + offset). Offset is small noise (0..5).
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        // rndValue uses the same key/cipher as the mPin encryption — see [MfaisaCrypto.encryptPin].
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply { update((formJson + nonceStr).toByteArray(Charsets.UTF_8)) }
+            .value.toString()
+
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "SubscriberApp")
+            .add("rndValue", rndValue)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("formData", formJson)
+            .add("mdnId", outerMdn)
+            .add("csValue", csValue)
+            .build()
+
+        val resp = client.newCall(
+            Request.Builder().url("$baseUrl/transactionInquiry/fetchSummary").post(body).build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty history response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        // The server returns its error envelope as a JSON array even on HTTP 200.
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            val first = errArr.optJSONObject(0)
+            val errObj = first?.optJSONArray("error")?.optJSONObject(0)
+            val attrVal = errObj?.optString("attributeValue")
+            val errCode = errObj?.optString("errorCode")
+            if (attrVal == "SESSION_EXPIRED" || errCode == "SESSION_EXPIRED") {
+                throw MfaisaSessionExpiredException()
+            }
+            val msg = errObj?.optString("errorMessage") ?: first?.optString("message")
+            throw Exception(msg?.ifBlank { null } ?: "M-Faisa history failed")
+        }
+
+        val obj = JSONObject(trimmed)
+        val arr = obj.optJSONArray("transactionInquiryDTOList") ?: JSONArray()
+        val out = mutableListOf<BankTransaction>()
+        for (i in 0 until arr.length()) {
+            val o = arr.getJSONObject(i) ?: continue
+            out += parse(o, accountNumber, accountDisplayName)
+        }
+        // The server returns nothing useful for "total"; assume more pages exist when this page is full.
+        return Page(out, hasMore = arr.length() >= recordSize)
+    }
+
+    private fun parse(o: JSONObject, accountNumber: String, accountDisplayName: String): BankTransaction {
+        val trnDate = o.optString("trnDate")           // "yyyy-MM-dd HH:mm:ss" — already in target format
+        val trnType = o.optString("trnType")           // CASH_IN | PURCHASE | TRANSFER | …
+        val status = o.optString("status")             // SUCCESS | FAILED
+        val amtObj = o.optJSONObject("transactionAmount") ?: JSONObject()
+        val amount = amtObj.optDouble("amount", 0.0)
+        val currency = amtObj.optString("currencyCode", "MVR")
+        val refId = o.optString("referenceId").ifBlank { o.optString("requestId") }
+        val narration = o.optString("narrationString").ifBlank { trnType.replace("_", " ").lowercase().replaceFirstChar { it.uppercase() } }
+
+        // Direction: CASH_IN / TRANSFER_IN etc. are credits, everything else is a debit
+        val isCredit = trnType.endsWith("_IN") ||
+                       trnType == "CASH_IN" ||
+                       trnType == "RECEIVE_MONEY"
+        val signedAmount = if (isCredit) amount else -amount
+
+        // Counterparty hint: parse the typeSummaryString for richer info if present
+        val counterparty = extractCounterparty(o)
+
+        // Failed transactions still appear in the list — we still show them but tag in the description.
+        val description = if (status == "FAILED") "$narration · Failed" else narration
+
+        return BankTransaction(
+            id = refId,
+            date = trnDate,
+            description = description,
+            amount = signedAmount,
+            currency = currency,
+            counterpartyName = counterparty,
+            reference = refId.ifBlank { null },
+            accountNumber = accountNumber,
+            accountDisplayName = accountDisplayName,
+            source = "MFAISA"
+        )
+    }
+
+    /** Best-effort counterparty / merchant name extraction from the response's nested JSON. */
+    private fun extractCounterparty(o: JSONObject): String? {
+        // typeSummaryString is itself a JSON-encoded array string
+        val ts = o.optString("typeSummaryString").trim()
+        if (ts.startsWith("[")) {
+            try {
+                val arr = JSONArray(ts)
+                for (i in 0 until arr.length()) {
+                    val item = arr.optJSONObject(i) ?: continue
+                    item.optString("Merchant Name").takeIf { it.isNotBlank() }?.let { return it }
+                    item.optString("Receiver Name").takeIf { it.isNotBlank() }?.let { return it }
+                    item.optString("Sender Name").takeIf { it.isNotBlank() }?.let { return it }
+                }
+            } catch (_: Exception) { /* fall through */ }
+        }
+        // sourceMDN like "Shiham-DT Pocket-9609198026" — the bit before the first dash is the user-facing name
+        val source = o.optString("sourceMDN")
+        if (source.isNotBlank() && source.contains("-")) return source.substringBefore("-")
+        return null
+    }
+
+    /**
+     * Match the official app's Gson serialiser: replace `=` with the Unicode-escaped equivalent so
+     * the M-Faisa server's strict parser accepts the payload (same trick as in [MfaisaLoginFlow]).
+     */
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaLoginFlow.kt

@@ -0,0 +1,202 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.content.Context
+import android.os.Build
+import android.provider.Settings
+import okhttp3.FormBody
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONArray
+import org.json.JSONException
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.util.concurrent.TimeUnit
+
+class MfaisaLoginFlow(context: Context) {
+
+    private val BASE_URL = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+
+    // Do NOT set User-Agent explicitly: Cloudflare in front of superapp.ooredoo.mv
+    // fingerprints header order, and an explicit .header("User-Agent", ...) call
+    // pushes it to the front of the request, returning 400. Letting OkHttp's
+    // BridgeInterceptor add its default "okhttp/4.12.0" at the end matches the
+    // official app's on-wire ordering and gets 200.
+
+    private val appContext = context.applicationContext
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    /**
+     * Step 0: look up the subscriber by MSISDN and verify they have Full KYC.
+     * Throws [MfaisaKycRequiredException] if kycStatus != "Full KYC".
+     * Throws [MfaisaWalletNotReadyException] if the wallet isn't registered / activated / PIN-set.
+     */
+    fun fetchSubscriber(msisdn: String): JSONObject {
+        val body = JSONObject()
+            .put("mdnId", MfaisaCrypto.encryptMobile(msisdn))
+            .toString()
+            .matchGsonHtmlSafe()
+            .toRequestBody("application/json; charset=UTF-8".toMediaType())
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/fetchSubscriberByMDN")
+                .post(body)
+                .build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty subscriber response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        val obj = JSONObject(raw)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Could not look up this number" })
+        }
+        if (!obj.optBoolean("subscriberRegistered", false)) {
+            throw MfaisaNotRegisteredException()
+        }
+        if (!obj.optBoolean("passwordCreated", false)) {
+            throw MfaisaWalletNotReadyException("Set your M-Faisa mPIN in the Ooredoo SuperApp first, then try again.")
+        }
+        if (obj.optBoolean("activationPending", false)) {
+            throw MfaisaWalletNotReadyException("Your M-Faisa wallet activation is still pending. Complete it in the Ooredoo SuperApp first.")
+        }
+        val kyc = obj.optString("kycStatus")
+        if (kyc != "Full KYC") {
+            throw MfaisaKycRequiredException(kyc)
+        }
+        return obj
+    }
+
+    /**
+     * Step 1: submit the PIN. Returns parsed login result on success.
+     * Throws [MfaisaInvalidPinException] on a rejected PIN (with [MfaisaInvalidPinException.lastAttempt] = true
+     * if the server's message says "one more wrong attempt will lock your account").
+     */
+    fun doMobileLogin(msisdn: String, pin: String): MfaisaLoginResult {
+        val mobileEnc = MfaisaCrypto.encryptMobile(msisdn)
+        val userNameEnc = MfaisaCrypto.encryptMobile(msisdn)  // independent encryption, same plaintext
+        val pinEnc = MfaisaCrypto.encryptPin(pin)
+
+        val deviceId = androidId()
+        val deviceGeo = JSONObject()
+            .put("appType", "CustomerAndroid")
+            .put("appversion", "1.0")
+            .put("deviceId", deviceId)
+            .put("deviceManufacturer", Build.MANUFACTURER)
+            .put("imieNumber", deviceId)
+            .put("ipaddress", "11.22.33.55")
+            .put("latitude", "0.0")
+            .put("longitude", "0.0")
+            .put("simId", deviceId)
+
+        val formData = JSONObject()
+            .put("deviceGeoInfo", deviceGeo)
+            .put("mPin", pinEnc)
+            .put("mobileNumber", mobileEnc)
+            .put("role", "RETAIL_SUBSCRIBER")
+            .put("tenantCode", "ooredoo")
+            .put("userName", userNameEnc)
+            .toString()
+            .matchGsonHtmlSafe()
+
+        val body = FormBody.Builder()
+            .add("channel", "C03")
+            .add("formData", formData)
+            .add("formDataCs", "null")
+            .build()
+
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/doMobileLogin")
+                .post(body)
+                .build()
+        ).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty login response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        // Wrong-PIN response is a JSON array; success is an object.
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val arr = JSONArray(trimmed)
+            val first = arr.optJSONObject(0)
+            val errObj = first?.optJSONArray("error")?.optJSONObject(0)
+            val msg = errObj?.optString("errorMessage")
+                ?: first?.optString("message") ?: "Login failed"
+            val lastAttempt = msg.contains("one more", ignoreCase = true) ||
+                              msg.contains("will lock", ignoreCase = true)
+            throw MfaisaInvalidPinException(msg, lastAttempt)
+        }
+
+        val obj = try { JSONObject(trimmed) } catch (e: JSONException) {
+            throw Exception("Unexpected login response")
+        }
+        if (!obj.optBoolean("success", false)) {
+            throw MfaisaInvalidPinException(obj.optString("message").ifBlank { "Login failed" }, false)
+        }
+        // Defensive: server also returns kycStatus on success.
+        val kyc = obj.optString("kycStatus")
+        if (kyc.isNotBlank() && kyc != "Full KYC") {
+            throw MfaisaKycRequiredException(kyc)
+        }
+
+        val session = MfaisaSession(
+            loginExchangeKey = obj.optString("loginExchangeKey"),
+            sessionTimeoutSec = obj.optString("mobileLoginSessionTimeout").toIntOrNull() ?: 240,
+            msisdn = msisdn,
+            subscriberId = obj.optString("suscriberId")
+        )
+
+        // pocketDetails[0] holds this user's identity + pockets.
+        val pd = obj.optJSONArray("pocketDetails")?.optJSONObject(0) ?: JSONObject()
+        val profile = MfaisaUserProfile(
+            name = pd.optString("name").ifBlank { "M-Faisa" },
+            email = pd.optString("eMailId"),
+            mdnId = pd.optString("mdnId").ifBlank { msisdn },
+            roleId = pd.optString("roleId"),
+            walletId = pd.optString("walletId"),
+            subscriberId = obj.optString("suscriberId"),
+            offerId = pd.optString("offerId")
+        )
+        val pockets = mutableListOf<MfaisaPocket>()
+        val pktArr = pd.optJSONArray("pocketSummaryDetailsArrayDTO") ?: JSONArray()
+        for (i in 0 until pktArr.length()) {
+            val p = pktArr.getJSONObject(i)
+            val bal = p.optJSONObject("balanceAmount") ?: JSONObject()
+            pockets += MfaisaPocket(
+                pocketId = p.optString("pocketId"),
+                pocketType = p.optString("pocketType"),
+                pocketValueType = p.optString("pocketValueType"),
+                nickname = p.optString("nickName"),
+                currency = bal.optString("currencyCode", "MVR"),
+                balance = bal.optDouble("amount", 0.0),
+                isDefault = p.optBoolean("isDefaultPocket", false),
+                isSecondary = p.optBoolean("isSecondaryPocket", false),
+                statusType = p.optString("statusType"),
+                displayName = p.optString("displayName")
+            )
+        }
+
+        return MfaisaLoginResult(session, profile, pockets)
+    }
+
+    private fun androidId(): String {
+        return Settings.Secure.getString(appContext.contentResolver, Settings.Secure.ANDROID_ID)
+            ?: "0000000000000000"
+    }
+
+    /**
+     * Make the body byte-identical to what the official app's Gson serializer emits:
+     *   1. `\/` (org.json's default escape for `/`) → `/`
+     *   2. `=` → `=` (Gson `htmlSafe` mode)
+     * Both are technically valid JSON either way, but the M-Faisa server's parser appears strict.
+     */
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaModels.kt

@@ -0,0 +1,69 @@
+package sh.sar.basedbank.api.mfaisa
+
+data class MfaisaSession(
+    val loginExchangeKey: String,
+    val sessionTimeoutSec: Int,
+    val msisdn: String = "",
+    val subscriberId: String = ""
+)
+
+/** Subset of the doMobileLogin success response we keep around. */
+data class MfaisaUserProfile(
+    val name: String,
+    val email: String,
+    val mdnId: String,
+    val roleId: String,
+    val walletId: String,
+    val subscriberId: String,
+    val offerId: String
+)
+
+/** Pocket = M-Faisa balance bucket (E-Money MVR, IMT MVR, PayPal USD). */
+data class MfaisaPocket(
+    val pocketId: String,
+    val pocketType: String,        // INTERNAL, ...
+    val pocketValueType: String,   // EMONEY, PAYPAL_USD, ...
+    val nickname: String,
+    val currency: String,          // MVR, USD
+    val balance: Double,
+    val isDefault: Boolean,
+    val isSecondary: Boolean,
+    val statusType: String,
+    val displayName: String
+)
+
+data class MfaisaLoginResult(
+    val session: MfaisaSession,
+    val profile: MfaisaUserProfile,
+    val pockets: List<MfaisaPocket>
+)
+
+/** Thrown when the wallet is not "Full KYC" — login must abort. */
+class MfaisaKycRequiredException(val kycStatus: String) :
+    Exception("M-Faisa wallet is not fully verified (kycStatus=$kycStatus)")
+
+/** Thrown when this MSISDN has no M-Faisa wallet at all — user must sign up in the Ooredoo SuperApp. */
+class MfaisaNotRegisteredException : Exception("This number does not have an M-Faisa wallet")
+
+/** Thrown when fetchSubscriberByMDN says the wallet exists but is not yet usable (no PIN, activation pending, …). */
+class MfaisaWalletNotReadyException(message: String) : Exception(message)
+
+/**
+ * Thrown for an invalid PIN. The PIN field should be re-enabled.
+ * [lastAttempt] is true when the server's message warns the user one more wrong attempt will lock their account.
+ */
+class MfaisaInvalidPinException(message: String, val lastAttempt: Boolean = false) : Exception(message)
+
+/**
+ * Thrown when a session-scoped M-Faisa endpoint returns the
+ * `[{ ..., "attributeValue": "SESSION_EXPIRED", ... }]` envelope (still as HTTP 200).
+ * Callers should re-run the login (`fetchSubscriber` + `doMobileLogin`) using the saved
+ * credentials and retry the request once.
+ */
+class MfaisaSessionExpiredException : Exception("M-Faisa session expired")
+
+/** Thrown by [MfaisaTransferClient.searchRecipient] when no M-Faisa wallet exists for the queried MSISDN. */
+class MfaisaRecipientNotFoundException : Exception("No M-Faisa wallet found for this number")
+
+/** Thrown by [MfaisaTransferClient.confirmTransfer] when the OTP is rejected. */
+class MfaisaInvalidOtpException(message: String) : Exception(message)

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaQrPayClient.kt

@@ -0,0 +1,199 @@
+package sh.sar.basedbank.api.mfaisa
+
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * M-Faisa merchant QR payment ("smart pay") flow:
+ *   1. [fetchQrDetails]    POST /QRCodeUtility/fetchQRCodeById  — resolve qrCodeId to merchant
+ *   2. [initiatePurchase]  POST /initiateNewBuy                 — start the purchase, returns referenceId.
+ *                                                                 Server returns 2FARequired=NONE for wallet QR pay,
+ *                                                                 so no OTP is required.
+ *   3. [confirmPurchase]   POST /confirmNewBuy                  — settles the purchase. `transactionAuthDetails`
+ *                                                                 is sent as the literal string "null".
+ *
+ * Anti-replay scheme is the same as [MfaisaTransferClient]: rndValue = encryptPin(timestampStr),
+ * csValue = Adler32(formDataJson + timestampStr). The server responds with `[{...}]` envelopes
+ * for both success and error — callers must check the `success` flag.
+ */
+class MfaisaQrPayClient {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+    private val random = SecureRandom()
+
+    /** Resolved merchant for a scanned M-Faisa QR. */
+    data class QrMerchant(
+        val qrCodeId: String,
+        val merchantId: String,        // customerId from the lookup response
+        val merchantName: String,      // commercialName
+        val merchantMsisdn: String,    // mobileNumber — already includes "960" prefix
+        val currencyCode: String,      // e.g. "MVR"
+        /** Pre-set amount for a dynamic QR; null for a static QR (user enters amount). */
+        val txnAmount: String?,
+        val status: String             // "Active" for usable QRs
+    )
+
+    // ─── Step 1: resolve qrCodeId → merchant details ─────────────────────────
+
+    fun fetchQrDetails(session: MfaisaSession, qrCodeId: String): QrMerchant {
+        val formData = JSONObject()
+            .put("qrCodeId", qrCodeId)
+            .put("tenantCode", "ooredoo")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        // Note: fetchQRCodeById uses role=R01 (not RETAIL_SUBSCRIBER like the other two endpoints).
+        val body = FormBody.Builder()
+            .add("role", "R01")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val first = postAndUnwrap("$baseUrl/QRCodeUtility/fetchQRCodeById", body, "QR lookup failed")
+        val response = first.optJSONArray("response")?.optJSONObject(0)
+            ?: throw Exception("QR code not found")
+        if (!response.optString("status").equals("Active", ignoreCase = true)) {
+            throw Exception("QR code is not active")
+        }
+
+        // The lookup response stores absent values as the literal JSON null (decoded by org.json as
+        // `JSONObject.NULL`) — optString surfaces that as the string "null". Guard against both.
+        fun strOrNull(name: String): String? = response.opt(name)
+            ?.takeIf { it != JSONObject.NULL }
+            ?.toString()
+            ?.takeIf { it.isNotBlank() && it != "null" }
+
+        return QrMerchant(
+            qrCodeId       = strOrNull("qrCodeId") ?: qrCodeId,
+            merchantId     = strOrNull("customerId")     ?: throw Exception("Merchant id missing"),
+            merchantName   = strOrNull("commercialName") ?: throw Exception("Merchant name missing"),
+            merchantMsisdn = strOrNull("mobileNumber")   ?: throw Exception("Merchant number missing"),
+            currencyCode   = strOrNull("currencyCode")   ?: "MVR",
+            txnAmount      = strOrNull("txnAmount"),
+            status         = response.optString("status")
+        )
+    }
+
+    // ─── Step 2: initiate the purchase ───────────────────────────────────────
+
+    /** Returns the `referenceId` to be passed to [confirmPurchase]. */
+    fun initiatePurchase(
+        session: MfaisaSession,
+        sourcePocketId: String,
+        sourceMsisdn: String,    // user's "960..." MSISDN
+        merchant: QrMerchant,
+        amount: String,
+        description: String = ""
+    ): String {
+        val formData = JSONObject()
+            .put("channel", "SubscriberApp")
+            .put("commodityType", "WALLET")
+            .put("description", description)
+            .put("merchantId", merchant.merchantId)
+            .put("mobileNumber", merchant.merchantMsisdn)
+            .put("sourceDetails", JSONObject()
+                .put("MDNId", sourceMsisdn)
+                .put("actorRoleType", "RETAIL_SUBSCRIBER")
+                .put("pocketId", sourcePocketId))
+            .put("transactionAmount", amount)
+            .put("transactionCurrency", merchant.currencyCode)
+            .put("transactionType", "PURCHASE")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val first = postAndUnwrap("$baseUrl/initiateNewBuy", body, "Payment initiation failed")
+        // We've only seen 2FARequired=NONE for wallet QR pay. If the server ever asks for OTP we
+        // surface a clear error instead of silently completing a no-op confirm.
+        val twoFa = first.optString("2FARequired").ifBlank { "NONE" }
+        if (!twoFa.equals("NONE", ignoreCase = true)) {
+            throw Exception("This QR requires 2FA ($twoFa) which is not yet supported")
+        }
+        val responseObj = first.optJSONArray("response")?.optJSONObject(0)?.optJSONObject("responseObject")
+            ?: throw Exception("Missing responseObject")
+        val refId = responseObj.optString("referenceId")
+        if (refId.isBlank()) throw Exception("Server did not return a referenceId")
+        return refId
+    }
+
+    // ─── Step 3: confirm (no OTP) ────────────────────────────────────────────
+
+    fun confirmPurchase(session: MfaisaSession, referenceId: String) {
+        val formData = JSONObject().put("referenceId", referenceId).toString().matchGsonHtmlSafe()
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            // Literal string "null" — matches the captured request from the official app.
+            .add("transactionAuthDetails", "null")
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        postAndUnwrap("$baseUrl/confirmNewBuy", body, "Payment confirmation failed")
+    }
+
+    // ─── Helpers ─────────────────────────────────────────────────────────────
+
+    /** POSTs [body] to [url], unwraps the `[{...}]` envelope, throws on non-success / session expiry. */
+    private fun postAndUnwrap(url: String, body: okhttp3.RequestBody, fallbackError: String): JSONObject {
+        val resp = client.newCall(Request.Builder().url(url).post(body).build()).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+
+        val arr = JSONArray(raw.trimStart())
+        val first = arr.optJSONObject(0) ?: throw Exception(fallbackError)
+        handleSessionExpiry(first)
+        if (!first.optBoolean("success", false)) {
+            val errObj = first.optJSONArray("error")?.optJSONObject(0)
+            throw Exception(errObj?.optString("errorMessage")?.ifBlank { null }
+                ?: first.optString("message").ifBlank { fallbackError })
+        }
+        return first
+    }
+
+    private fun handleSessionExpiry(envelope: JSONObject?) {
+        val attr = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("attributeValue")
+        val code = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("errorCode")
+        if (attr == "SESSION_EXPIRED" || code == "SESSION_EXPIRED") throw MfaisaSessionExpiredException()
+    }
+
+    private fun makeAntiReplay(formJson: String): Pair<String, String> {
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply {
+            update((formJson + nonceStr).toByteArray(Charsets.UTF_8))
+        }.value.toString()
+        return rndValue to csValue
+    }
+
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+}

app/src/main/java/sh/sar/basedbank/api/mfaisa/MfaisaTransferClient.kt

@@ -0,0 +1,269 @@
+package sh.sar.basedbank.api.mfaisa
+
+import android.os.Build
+import android.provider.Settings
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import java.security.SecureRandom
+import java.util.concurrent.TimeUnit
+import java.util.zip.Adler32
+
+/**
+ * Three-step M-Faisa transfer flow:
+ *   1. [searchRecipient]  POST /Pocket/basicBeneDetails    — look up the recipient
+ *   2. [initiateTransfer] POST /initiateFTRequest           — kicks off the transfer; server SMSes an OTP
+ *   3. [confirmTransfer]  POST /confirmFTRequest            — submit the OTP to actually move the money
+ *
+ * Every request uses the same anti-replay scheme as the history endpoint (see [MfaisaHistoryClient]):
+ * `rndValue` = `encryptPin(timestampStr)` and `csValue` = `Adler32(formDataJson + timestampStr)`.
+ *
+ * On a session timeout the server returns `[{... "attributeValue":"SESSION_EXPIRED" ...}]` with HTTP 200;
+ * each method throws [MfaisaSessionExpiredException] in that case so the caller can re-login and retry.
+ */
+class MfaisaTransferClient(private val deviceId: String) {
+
+    private val baseUrl = "https://superapp.ooredoo.mv/api/mfaisaa-bff/mfino/v1.1/web"
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+    private val random = SecureRandom()
+
+    // ─── Step 1: recipient lookup ────────────────────────────────────────────
+
+    /**
+     * Result of [searchRecipient]. The MVR pocket (`isMvr`) is the only target for outgoing transfers
+     * in Thijooree — PayPal pockets are not supported as recipients.
+     */
+    data class Recipient(
+        val name: String,
+        val msisdn: String,        // already includes the "960" prefix, as returned by the server
+        val mvrPocketId: String?,
+        val paypalPocketId: String?,
+        val walletId: String,
+        val actorId: String
+    ) {
+        val isMvr: Boolean get() = mvrPocketId != null
+    }
+
+    /** @throws MfaisaRecipientNotFoundException if no M-Faisa wallet exists for [recipientMsisdn]. */
+    fun searchRecipient(session: MfaisaSession, recipientMsisdn: String): Recipient {
+        require(session.msisdn.isNotBlank() && session.subscriberId.isNotBlank()) {
+            "session is missing fields required for basicBeneDetails"
+        }
+        val formData = JSONObject()
+            .put("beneficaryDetails", JSONObject()
+                .put("MDNId", MfaisaCrypto.encryptMobile(recipientMsisdn))
+                .put("actorRoleType", "RETAIL_SUBSCRIBER"))
+            .put("initiatorDetailsDTO", JSONObject()
+                .put("initiatingMDN", MfaisaCrypto.encryptMobile(session.msisdn))
+                .put("initiatingRoleId", session.subscriberId)
+                .put("initiatorRole", "RETAIL_SUBSCRIBER"))
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "SubscriberApp")
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/Pocket/basicBeneDetails", body)
+        // Response shape: `[{ success, response: [[pocket1, pocket2, ...]] }]`
+        val arr = JSONArray(raw.trimStart())
+        val first = arr.optJSONObject(0) ?: throw Exception("Unexpected response")
+        if (!first.optBoolean("success", false)) {
+            handleSessionExpiry(first)
+            val msg = first.optString("message")
+            if (msg.contains("not found", ignoreCase = true)) throw MfaisaRecipientNotFoundException()
+            throw Exception(msg.ifBlank { "Recipient lookup failed" })
+        }
+        val outer = first.optJSONArray("response") ?: throw Exception("Empty recipient list")
+        val pockets = outer.optJSONArray(0) ?: throw MfaisaRecipientNotFoundException()
+        if (pockets.length() == 0) throw MfaisaRecipientNotFoundException()
+
+        var name = ""
+        var msisdn = ""
+        var mvr: String? = null
+        var paypal: String? = null
+        var wallet = ""
+        var actor = ""
+        for (i in 0 until pockets.length()) {
+            val p = pockets.getJSONObject(i)
+            if (name.isBlank())    name    = p.optString("name")
+            if (msisdn.isBlank())  msisdn  = p.optString("MDNId")
+            if (wallet.isBlank())  wallet  = p.optString("walletId")
+            if (actor.isBlank())   actor   = p.optString("actorId")
+            when (p.optString("pocketValueType")) {
+                "EMONEY"     -> mvr = p.optString("pocketId")
+                "PAYPAL_USD" -> paypal = p.optString("pocketId")
+            }
+        }
+        return Recipient(name, msisdn, mvr, paypal, wallet, actor)
+    }
+
+    // ─── Step 2: initiate (server sends OTP) ─────────────────────────────────
+
+    /** Returns the `referenceId` to be passed to [confirmTransfer]. */
+    fun initiateTransfer(
+        session: MfaisaSession,
+        sourcePocketId: String,
+        recipient: Recipient,
+        amount: String,
+        description: String
+    ): String {
+        require(recipient.isMvr) { "M-Faisa transfers can only target the recipient's MVR pocket" }
+
+        // Inner formData JSON. The server expects PLAINTEXT mobile numbers here (already
+        // prefixed with "960" — recipient.msisdn already includes that), unlike step 1 which
+        // encrypts them.
+        val formData = JSONObject()
+            .put("MDNId", recipient.msisdn)
+            .put("beneDetails", JSONObject()
+                .put("miscDetails", description)
+                .put("transferMode", "MOBILE"))
+            .put("channel", "SubscriberApp")
+            .put("commodityType", "WALLET")
+            .put("description", description)
+            .put("inputDetailsDTO", JSONObject()
+                .put("deviceId", deviceId)
+                .put("simId", deviceId))
+            .put("mfs-transactionType", "send-money-to-mobile")
+            .put("pocketId", "")
+            .put("sourceDetails", JSONObject()
+                .put("MDNId", "960${session.msisdn}")
+                .put("actorRoleType", "RETAIL_SUBSCRIBER")
+                .put("pocketId", sourcePocketId))
+            .put("transactionAmount", amount)
+            .put("transactionCurrency", "MVR")
+            .put("transferMode", "MOBILE")
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        // The "identifier" top-level field is the recipient MDN re-encrypted (matches step 1's
+        // `beneficaryDetails.MDNId` plaintext; independent OAEP randomness gives a different ciphertext).
+        val identifier = MfaisaCrypto.encryptMobile(recipient.msisdn.removePrefix("960"))
+
+        val body = FormBody.Builder()
+            .add("identifier", identifier)
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("transferMode", "MOBILE")
+            .add("channel", "C03")   // NB: top-level "C03", inner formData.channel is "SubscriberApp"
+            .add("rndValue", rnd)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("tPin", "")
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/initiateFTRequest", body)
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            handleSessionExpiry(errArr.optJSONObject(0))
+            val errObj = errArr.optJSONObject(0)?.optJSONArray("error")?.optJSONObject(0)
+            throw Exception(errObj?.optString("errorMessage")?.ifBlank { null } ?: "Transfer initiation failed")
+        }
+        val obj = JSONObject(trimmed)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Transfer initiation failed" })
+        }
+        val responseArr = obj.optJSONArray("response") ?: throw Exception("Missing response array")
+        val responseObj = responseArr.optJSONObject(0)?.optJSONObject("responseObject")
+            ?: throw Exception("Missing responseObject")
+        val refId = responseObj.optString("referenceId")
+        if (refId.isBlank()) throw Exception("Server did not return a referenceId")
+        return refId
+    }
+
+    // ─── Step 3: confirm with OTP ────────────────────────────────────────────
+
+    /** Submits [otpCode] for [referenceId]. Throws on invalid OTP / server failure. */
+    fun confirmTransfer(session: MfaisaSession, referenceId: String, otpCode: String) {
+        val formData = JSONObject().put("referenceId", referenceId).toString().matchGsonHtmlSafe()
+        val transactionAuthDetails = JSONObject()
+            .put("authenticationType", "OTP")
+            .put("authenticationValue", MfaisaCrypto.encryptPin(otpCode))  // same cipher as PIN
+            .put("otpTransactionType", "TRANSACTION")
+            .put("referenceId", referenceId)
+            .toString().matchGsonHtmlSafe()
+
+        val (rnd, cs) = makeAntiReplay(formData)
+        val body = FormBody.Builder()
+            .add("role", "RETAIL_SUBSCRIBER")
+            .add("channel", "C03")
+            .add("rndValue", rnd)
+            .add("transactionAuthDetails", transactionAuthDetails)
+            .add("formData", formData)
+            .add("loginExchangeKey", session.loginExchangeKey)
+            .add("csValue", cs)
+            .build()
+
+        val raw = execute("$baseUrl/confirmFTRequest", body)
+        val trimmed = raw.trimStart()
+        if (trimmed.startsWith("[")) {
+            val errArr = JSONArray(trimmed)
+            handleSessionExpiry(errArr.optJSONObject(0))
+            val errObj = errArr.optJSONObject(0)?.optJSONArray("error")?.optJSONObject(0)
+            val attr = errObj?.optString("attributeName")
+            val msg = errObj?.optString("errorMessage")?.ifBlank { null }
+                ?: errArr.optJSONObject(0)?.optString("message")
+            if (attr.equals("OTP", ignoreCase = true) || (msg ?: "").contains("OTP", ignoreCase = true)) {
+                throw MfaisaInvalidOtpException(msg ?: "Invalid OTP")
+            }
+            throw Exception(msg ?: "Transfer confirmation failed")
+        }
+        val obj = JSONObject(trimmed)
+        if (!obj.optBoolean("success", false)) {
+            throw Exception(obj.optString("message").ifBlank { "Transfer confirmation failed" })
+        }
+    }
+
+    // ─── Helpers ─────────────────────────────────────────────────────────────
+
+    private fun execute(url: String, body: okhttp3.RequestBody): String {
+        val resp = client.newCall(Request.Builder().url(url).post(body).build()).execute()
+        val code = resp.code
+        val raw = resp.body?.string() ?: throw Exception("Empty response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Ooredoo M-Faisa")
+        return raw
+    }
+
+    private fun handleSessionExpiry(envelope: JSONObject?) {
+        val attr = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("attributeValue")
+        val code = envelope?.optJSONArray("error")?.optJSONObject(0)?.optString("errorCode")
+        if (attr == "SESSION_EXPIRED" || code == "SESSION_EXPIRED") throw MfaisaSessionExpiredException()
+    }
+
+    private fun makeAntiReplay(formJson: String): Pair<String, String> {
+        val offset = (random.nextInt(5) + 10) xor 0xE
+        val nonceStr = (System.currentTimeMillis() + offset).toString()
+        val rndValue = MfaisaCrypto.encryptPin(nonceStr)
+        val csValue = Adler32().apply {
+            update((formJson + nonceStr).toByteArray(Charsets.UTF_8))
+        }.value.toString()
+        return rndValue to csValue
+    }
+
+    private fun String.matchGsonHtmlSafe(): String =
+        replace("\\/", "/").replace("=", "\\u003d")
+
+    companion object {
+        /** Convenience factory that pulls the device identifier the way [MfaisaLoginFlow] does. */
+        fun forContext(context: android.content.Context): MfaisaTransferClient {
+            val id = Settings.Secure.getString(context.applicationContext.contentResolver, Settings.Secure.ANDROID_ID)
+                ?: "0000000000000000"
+            // suppress "unused" — kept for symmetry with MfaisaLoginFlow if we later read Build.MANUFACTURER.
+            @Suppress("UNUSED_VARIABLE") val mfg = Build.MANUFACTURER
+            return MfaisaTransferClient(id)
+        }
+    }
+}

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/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>()
@@ -48,9 +49,11 @@ class AccountHistoryAdapter(
         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)
         }
     }
 
@@ -58,7 +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)
         }
     }
 
@@ -66,10 +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
@@ -127,18 +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
         }
@@ -157,8 +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
         }
     }
@@ -203,7 +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
@@ -239,7 +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} ••••••"
@@ -286,6 +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())
 
@@ -307,6 +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

@@ -24,6 +24,7 @@ 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
@@ -83,9 +84,10 @@ 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
+        // Show default account toggle only for non-card, non-M-Faisa accounts.
+        // M-Faisa pockets (including PayPal) cannot be set as the default transfer/QR account.
         val isCard = AccountListParser.from(account)?.isCard ?: false
-        if (!isCard) {
+        if (!isCard && account.bank != "MFAISA") {
             val store = CredentialStore(requireContext())
             adapter.showDefaultToggle = true
             adapter.isDefaultAccount = store.getDefaultAccountNumber() == account.accountNumber
@@ -138,6 +140,7 @@ class AccountHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPage()
+        loadPendingTransactions()
 
         binding.swipeRefresh.setOnRefreshListener {
             if (isLoading) {
@@ -184,6 +187,7 @@ class AccountHistoryFragment : Fragment() {
             binding.emptyView.visibility = View.GONE
         }
         loadNextPage()
+        loadPendingTransactions()
     }
 
     private fun loadNextPage() {
@@ -225,6 +229,13 @@ 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 }
@@ -250,6 +261,26 @@ 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/AccountsAdapter.kt

@@ -75,10 +75,12 @@ class AccountsAdapter(
             "BML"     -> "Bank of Maldives"
             "FAHIPAY" -> "Fahipay"
             "MIB"     -> "Maldives Islamic Bank"
+            "MFAISA"  -> if (account.profileType == "MFAISA_PAYPAL") "PayPal · M-Faisa" else "M-Faisa"
             else      -> account.bank
         }
         val profileLabel = when (account.bank) {
             "MIB" -> account.productCode.ifBlank { account.profileName }
+            "MFAISA" -> ""  // bank-level grouping is already specific (M-Faisa / PayPal · M-Faisa)
             else  -> account.profileName
         }
         return if (profileLabel.isNotBlank()) "$profileLabel · $bankName" else bankName
@@ -144,6 +146,7 @@ class AccountsAdapter(
                 "BML"     -> R.drawable.bml_logo_vector
                 "FAHIPAY" -> R.drawable.fahipay_logo
                 "MIB"     -> R.drawable.mib_logo
+                "MFAISA"  -> R.drawable.ooredoo_logo
                 else      -> null
             }
             if (staticLogo != null) binding.ivBankLogo.setImageResource(staticLogo)

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

@@ -330,6 +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>) {
@@ -172,6 +172,10 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 bundle.putString(KEY_SUBTITLE, "BML QR Merchant")
                 bundle.putString(KEY_COLOR, "#0066A1")
             }
+            accountNumber.startsWith("mfaisaqr:") -> {
+                bundle.putString(KEY_SUBTITLE, "M-Faisa QR Merchant")
+                bundle.putString(KEY_COLOR, "#ED1C24")
+            }
             account != null -> {
                 bundle.putString(KEY_SUBTITLE, "${account.accountNumber} · ${account.currencyName} ${account.availableBalance}")
                 bundle.putString(KEY_COLOR, "#FE860E")
@@ -195,6 +199,17 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val hide = viewModel.hideAmounts.value ?: false
         val items = mutableListOf<ContactPickerAdapter.PickerItem>()
 
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
+        val fromCurrency = fromAccount?.currencyName ?: ""
+        val fromLoginTag = fromAccount?.loginTag ?: ""
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
+        val fromIsMfaisa = fromAccount?.bank == "MFAISA"
+        // TODO: when M-Faisa-supported contacts are wired up, swap this for a per-row check
+        //       (e.g. is the recipient also an M-Faisa wallet) instead of disabling everything.
+        val mfaisaInactive = if (fromIsMfaisa) "Unsupported recipient from M-Faisa" else null
+
         if (tabTag == RECENTS_TAG) {
             val recents = RecentsCache.load(requireContext())
             val filtered = if (search.isBlank()) recents else recents.filter {
@@ -208,19 +223,15 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                     subtitle      = r.subtitle,
                     colorHex      = r.colorHex,
                     isSameAsFrom  = r.accountNumber == fromAccountNumber,
-                    imageHash     = r.imageHash
+                    imageHash     = r.imageHash,
+                    // A MFAISA-tagged recent is itself a valid M-Faisa recipient — don't grey it out
+                    // when the source is M-Faisa.
+                    inactiveReason = if (r.bank == "MFAISA") null else mfaisaInactive
                 ))
             }
             return items
         }
 
-        val accounts = viewModel.accounts.value ?: emptyList()
-        val contacts = viewModel.contacts.value ?: emptyList()
-        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
-        val fromCurrency = fromAccount?.currencyName ?: ""
-        val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
-
         if (tabTag == MY_ACCOUNTS_TAG) {
             val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" }
             val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
@@ -251,9 +262,12 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (fromIsCard && acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null && acc.bank != "MFAISA" -> mfaisaInactive
+                            fromIsCard && acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -283,10 +297,13 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (!isActive) acc.statusDesc
-                            else if (acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null -> mfaisaInactive
+                            !isActive -> acc.statusDesc
+                            acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -311,7 +328,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 colorHex      = contact.bankColor,
                 isSameAsFrom  = contact.benefAccount == fromAccountNumber,
                 imageHash     = contact.customerImgHash,
-                inactiveReason = currencyMismatchReason(fromCurrency, contact.transferCyDesc)
+                inactiveReason = mfaisaInactive ?: currencyMismatchReason(fromCurrency, contact.transferCyDesc)
             ))
         }
         return items

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

@@ -26,6 +26,7 @@ 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
@@ -99,11 +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()
@@ -115,12 +116,12 @@ class DashboardFragment : Fragment() {
             val credStore = CredentialStore(requireContext())
             val hidden = credStore.getHiddenDashboardCardNumbers()
             val mibItems = (viewModel.mibCards.value ?: emptyList())
-                .filter { !hidden.contains(it.maskedCardNumber) }
+                .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) && !hidden.contains(it.accountNumber) }
                 .map { CardItem.Bml(it) }
-            val all = mibItems + bmlItems
+            val all = bmlItems + mibItems
             val defaultNum = credStore.getDefaultCardAccountNumber()
             val ordered = if (defaultNum != null) {
                 val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
@@ -134,7 +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)
@@ -145,8 +146,7 @@ class DashboardFragment : Fragment() {
 
     override fun onResume() {
         super.onResume()
-        val isBottom = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            .getBoolean("bottom_nav", false)
+        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()
@@ -171,7 +171,7 @@ class DashboardFragment : Fragment() {
 
     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
@@ -427,11 +427,13 @@ class DashboardFragment : Fragment() {
                     if (isMib) {
                         Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
                     } else {
-                        val accountNumber = (item as CardItem.Bml).account.accountNumber
-                        (requireActivity() as HomeActivity).navigateTo(
-                            R.id.nav_pay_with_card,
-                            CardsFragment.newInstanceWithAutoTapMode(accountNumber)
-                        )
+                        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()
@@ -181,9 +202,9 @@ class HomeActivity : AppCompatActivity() {
         }
 
         // Load data
-        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
+        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty() || app.mfaisaAccounts.isNotEmpty()) {
             // Came from fresh manual login — accounts ready, rest fetched in background
-            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
+            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts + app.mfaisaAccounts
             viewModel.accounts.value = merged.filterVisibleAccounts()
             if (app.mibAccounts.isNotEmpty()) AccountCache.save(this, app.mibAccounts)
             if (app.bmlAccounts.isNotEmpty()) {
@@ -194,6 +215,10 @@ class HomeActivity : AppCompatActivity() {
                 val byLoginId = app.fahipayAccounts.groupBy { it.loginTag.removePrefix("fahipay_") }
                 byLoginId.forEach { (loginId, accs) -> AccountCache.saveFahipay(this, loginId, accs) }
             }
+            if (app.mfaisaAccounts.isNotEmpty()) {
+                val byLoginId = app.mfaisaAccounts.groupBy { it.loginTag.removePrefix("mfaisa_") }
+                byLoginId.forEach { (loginId, accs) -> AccountCache.saveMfaisa(this, loginId, accs) }
+            }
 
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -217,7 +242,8 @@ class HomeActivity : AppCompatActivity() {
             val cachedMib = AccountCache.load(this)
             val cachedBml = AccountCache.loadBml(this, store.getBmlLoginIds())
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
-            val merged = cachedMib + cachedBml + cachedFahipay
+            val cachedMfaisa = AccountCache.loadMfaisa(this, store.getMfaisaLoginIds())
+            val merged = cachedMib + cachedBml + cachedFahipay + cachedMfaisa
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -254,8 +280,13 @@ class HomeActivity : AppCompatActivity() {
                     navigateTo(navDest, fragment)
                 }
                 else -> {
-                    show(DashboardFragment())
-                    binding.navigationView.setCheckedItem(R.id.nav_dashboard)
+                    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)
+                    }
                 }
             }
         }
@@ -270,14 +301,40 @@ 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())
@@ -333,21 +390,44 @@ 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
+            }
         }
     }
 
@@ -386,11 +466,15 @@ 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()
@@ -398,25 +482,16 @@ 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
         }
     }
@@ -445,6 +520,12 @@ 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)
@@ -474,6 +555,11 @@ 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
@@ -556,9 +642,19 @@ 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
@@ -571,6 +667,10 @@ 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
@@ -584,23 +684,36 @@ 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)
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) {
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
         }
         // Immediately drop accounts for logged-out logins from the displayed list
         val current = viewModel.accounts.value ?: emptyList()
+        val mfaisaLoginIdsForFilter = store.getMfaisaLoginIds()
         viewModel.accounts.value = current.filter { acc ->
             if (acc.bank == "MIB") return@filter acc.loginTag.removePrefix("mib_") in mibLoginIds
             if (acc.bank == "BML") return@filter acc.loginTag.removePrefix("bml_") in bmlLoginIds
             if (acc.bank == "FAHIPAY") return@filter acc.loginTag.removePrefix("fahipay_") in fahipayLoginIds
+            if (acc.bank == "MFAISA") return@filter acc.loginTag.removePrefix("mfaisa_") in mfaisaLoginIdsForFilter
             true
         }
         autoRefresh(store)
@@ -619,7 +732,8 @@ fun applyNavLabelVisibility() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) return
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) return
         binding.refreshIndicator.visibility = View.VISIBLE
         hideConnectivityBanner()
 
@@ -793,17 +907,58 @@ fun applyNavLabelVisibility() {
                 }
             }
 
+            // One async job per M-Faisa login, all run in parallel.
+            // M-Faisa has no session refresh — sessions expire after ~240s — so we re-login each refresh.
+            val mfaisaJobs = mfaisaLoginIds.mapNotNull { loginId ->
+                val creds = store.loadMfaisaCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
+                    val loginTag = "mfaisa_$loginId"
+                    val flow = sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow(this@HomeActivity)
+                    try {
+                        flow.fetchSubscriber(creds.msisdn)
+                        val result = flow.doMobileLogin(creds.msisdn, creds.pin)
+                        val accounts = sh.sar.basedbank.api.mfaisa.MfaisaAccountClient.buildAccounts(result, loginTag)
+                        val app = application as BasedBankApp
+                        app.mfaisaSessions[loginId] = result.session
+                        store.saveMfaisaUserProfile(
+                            loginId,
+                            CredentialStore.MfaisaUserProfile(
+                                name = result.profile.name,
+                                email = result.profile.email,
+                                mdnId = result.profile.mdnId,
+                                subscriberId = result.profile.subscriberId,
+                                walletId = result.profile.walletId,
+                                roleId = result.profile.roleId,
+                                offerId = result.profile.offerId
+                            )
+                        )
+                        AccountCache.saveMfaisa(this@HomeActivity, loginId, accounts)
+                        accounts
+                    } catch (e: java.io.IOException) {
+                        refreshErrors.add("NO_INTERNET")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (e: BankServerException) {
+                        refreshErrors.add("SERVER:${e.bankName}")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (_: Exception) {
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    }
+                }
+            }
+
             val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
             val mibAccounts = mibResults.flatMap { it.second }
             val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
             val fahipayAccounts = fahipayJobs.flatMap { (_, job) -> job.await() }
+            val mfaisaAccounts = mfaisaJobs.flatMap { (_, job) -> job.await() }
 
             val app = application as BasedBankApp
             app.mibAccounts = mibAccounts
             AccountCache.save(this@HomeActivity, mibAccounts)
             app.bmlAccounts = bmlAccounts
             app.fahipayAccounts = fahipayAccounts
-            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts).filterVisibleAccounts())
+            app.mfaisaAccounts = mfaisaAccounts
+            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts + mfaisaAccounts).filterVisibleAccounts())
             binding.refreshIndicator.visibility = View.GONE
 
             val noInternet = refreshErrors.any { it == "NO_INTERNET" }
@@ -850,6 +1005,11 @@ fun applyNavLabelVisibility() {
                     val hidden = store.getHiddenBmlProfileIds(loginId)
                     hidden.isEmpty() || acc.profileId !in hidden
                 }
+                "MFAISA" -> {
+                    val loginId = acc.loginTag.removePrefix("mfaisa_")
+                    val hidden = store.getHiddenMfaisaPocketIds(loginId)
+                    hidden.isEmpty() || acc.accountNumber !in hidden
+                }
                 else -> true
             }
         }
@@ -1025,14 +1185,14 @@ 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_")
@@ -1115,7 +1275,7 @@ 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

@@ -76,9 +76,6 @@ class PayMvQrFragment : Fragment() {
         binding.btnSave.isEnabled = false
         binding.btnShare.setOnClickListener { shareQr() }
         binding.btnSave.setOnClickListener { saveQr() }
-        binding.btnScanQr.setOnClickListener {
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceWithAutoScan())
-        }
     }
 
     private fun setupDropdown() {

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

@@ -37,17 +37,25 @@ 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
 
@@ -62,6 +70,8 @@ class CardsFragment : Fragment() {
     private var cardWidth: Int = 0
     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
@@ -145,17 +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()) {
@@ -232,11 +247,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 return@setOnClickListener
             }
             val bmlItem = item as CardItem.Bml
-            val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
-                showBiometricPromptForTap(bmlItem)
-            } else {
-                setTapMode(true, bmlItem)
+            NfcPaymentUtil.checkAndProceed(requireContext()) {
+                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                    showBiometricPromptForTap(bmlItem)
+                } else {
+                    setTapMode(true, bmlItem)
+                }
             }
         }
 
@@ -244,20 +261,161 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             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 -> {
@@ -267,7 +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
@@ -278,6 +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) }
@@ -330,6 +519,16 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             }
         }
 
+        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
@@ -510,15 +709,37 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         tapAnimView = animView
 
         val dp = resources.displayMetrics.density
-        val cancelBtn = MaterialButton(requireContext(), null,
-            com.google.android.material.R.attr.materialButtonOutlinedStyle
-        ).apply { setText(R.string.cancel); setOnClickListener { setTapMode(false) } }
+        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(0, 0, 0, (24 * dp).toInt())
-            addView(cancelBtn)
+            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
@@ -529,6 +750,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             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)
             })
@@ -660,7 +882,10 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 view?.post {
                     if (!isTapMode) return@post
                     setTapMode(false)
-                    if (success) Toast.makeText(requireContext(), "Payment complete", Toast.LENGTH_SHORT).show()
+                    if (success) {
+                        Toast.makeText(requireContext(), "Payment complete", Toast.LENGTH_SHORT).show()
+                        (activity as? HomeActivity)?.triggerRefresh()
+                    }
                 }
             }
         }
@@ -675,7 +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 }
@@ -716,11 +945,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                     currentCardPosition = pos
                     binding.rvCards.scrollToPosition(pos)
                 }
-                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
-                    showBiometricPromptForTap(targetCard)
-                } else {
-                    setTapMode(true, targetCard)
+                NfcPaymentUtil.checkAndProceed(requireContext()) {
+                    val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                    if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                        showBiometricPromptForTap(targetCard)
+                    } else {
+                        setTapMode(true, targetCard)
+                    }
                 }
             }
         }
@@ -778,6 +1009,10 @@ 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 {
@@ -802,7 +1037,11 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
 
     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() {
@@ -856,7 +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
@@ -991,9 +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))
         }
@@ -358,8 +368,9 @@ class SettingsLoginsFragment : Fragment() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
 
-        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
+        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty() || mfaisaLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
 
         for (loginId in mibLoginIds) {
             val profile = store.loadMibUserProfile(loginId)
@@ -386,6 +397,14 @@ class SettingsLoginsFragment : Fragment() {
                 showFahipayLoginDetails(store, loginId, profile)
             }
         }
+
+        for (loginId in mfaisaLoginIds) {
+            val profile = store.loadMfaisaUserProfile(loginId)
+            val displayName = profile?.name?.takeIf { it.isNotBlank() } ?: getString(R.string.ooredoo_name)
+            addLoginRow(container, R.drawable.ooredoo_logo, displayName) {
+                showMfaisaLoginDetails(store, loginId, profile)
+            }
+        }
     }
 
     private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> Unit) {
@@ -1055,6 +1074,152 @@ class SettingsLoginsFragment : Fragment() {
         buildLoginsSection()
     }
 
+    private fun showMfaisaLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.MfaisaUserProfile?
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+
+        val pockets = sh.sar.basedbank.util.AccountCache.loadMfaisa(ctx, loginId)
+        val hidden = store.getHiddenMfaisaPocketIds(loginId).toMutableSet()
+        val originalHidden = hidden.toSet()
+
+        // The user-visible "profiles" are: M-Faisa (every non-PayPal pocket) and PayPal (if linked).
+        // Each toggle covers the set of pocket account numbers that belong to that profile.
+        data class MfaisaProfileRow(val label: String, val pocketIds: Set<String>)
+        val mfaisaPockets = pockets.filter { it.profileType != "MFAISA_PAYPAL" }
+        val paypalPockets = pockets.filter { it.profileType == "MFAISA_PAYPAL" }
+        val profileRows = buildList {
+            if (mfaisaPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("M-Faisa", mfaisaPockets.map { it.accountNumber }.toSet()))
+            }
+            if (paypalPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("PayPal", paypalPockets.map { it.accountNumber }.toSet()))
+            }
+        }
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        listOfNotNull(
+            profile?.name?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: ${if (hide) masked else it}" },
+            profile?.mdnId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (profileRows.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        val toggleRows = profileRows.map { row ->
+            val v = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val label = TextView(ctx).apply {
+                text = row.label
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            val toggle = MaterialSwitch(ctx).apply {
+                isChecked = row.pocketIds.any { it !in hidden }
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    marginStart = (4 * dp).toInt()
+                }
+            }
+            v.addView(label)
+            v.addView(toggle)
+            container.addView(v)
+            row to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = toggleRows.count { (row, _) -> row.pocketIds.any { it !in hidden } }
+            toggleRows.forEach { (_, toggle) ->
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.ooredoo_name))
+            .setView(scroll)
+            .apply {
+                if (profileRows.isNotEmpty()) setPositiveButton(R.string.save, null)
+                setNeutralButton(R.string.close, null)
+                setNegativeButton(R.string.settings_logout) { _, _ ->
+                    confirmLogout(getString(R.string.ooredoo_name)) { logoutMfaisa(store, loginId) }
+                }
+            }
+            .show()
+
+        if (profileRows.isNotEmpty()) {
+            val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+            saveBtn.isEnabled = false
+            updateToggleStates(saveBtn)
+
+            toggleRows.forEach { (row, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (checked) hidden.removeAll(row.pocketIds) else hidden.addAll(row.pocketIds)
+                    updateToggleStates(saveBtn)
+                }
+            }
+
+            saveBtn.setOnClickListener {
+                store.setHiddenMfaisaPocketIds(loginId, hidden)
+                clearAllCaches(ctx)
+                dialog.dismiss()
+                (activity as? HomeActivity)?.relogin()
+            }
+        }
+    }
+
+    private fun logoutMfaisa(store: CredentialStore, loginId: String) {
+        val ctx = requireContext()
+        store.clearMfaisaCredentials(loginId)
+        val app = requireActivity().application as BasedBankApp
+        app.mfaisaSessions.remove(loginId)
+        app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != "mfaisa_$loginId" }
+        app.accounts = app.accounts.filter { it.loginTag != "mfaisa_$loginId" }
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
     private fun clearAllCaches(ctx: Context) {
         AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
         ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)

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

@@ -57,6 +57,7 @@ import sh.sar.basedbank.api.mib.MibTransferResult
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
+import sh.sar.basedbank.ui.home.transfer.MfaisaTransferHandler
 import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.AccountInputParser
@@ -86,16 +87,29 @@ 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
+
+    // M-Faisa QR merchant payment mode (set when the scanned QR is an M-Faisa qrCodeId)
+    private var mfaisaQrInfo: sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient.QrMerchant? = null
+
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
     // BML business profile OTP flow state
@@ -121,6 +135,39 @@ class TransferFragment : Fragment() {
     private var pendingBmlTransfer: PendingBmlTransfer? = null
     private var accountDropdownAdapter: AccountDropdownAdapter? = null
 
+    /** Lazy: created the first time the user selects an MFAISA source account. */
+    private var mfaisaHandler: MfaisaTransferHandler? = null
+    private fun mfaisaHandler(): MfaisaTransferHandler =
+        mfaisaHandler ?: MfaisaTransferHandler(
+            fragment = this,
+            binding = binding,
+            viewModel = viewModel,
+            onRecipientChanged = {
+                // The handler resolved or cleared a recipient — keep the resolvedAccountNumber
+                // mirror in sync so the shared `updateTransferButton()` / clearForm() logic works.
+                val r = mfaisaHandler?.recipient
+                if (r != null) {
+                    resolvedAccountNumber = r.msisdn
+                    resolvedRecipientName = r.name
+                    resolvedDestCurrency = "MVR"
+                    resolvedBankName = "Ooredoo M-Faisa"
+                } else {
+                    resolvedAccountNumber = ""
+                    resolvedRecipientName = ""
+                    resolvedDestCurrency = ""
+                    resolvedBankName = ""
+                }
+                updateTransferButton()
+            },
+            onTransferSuccess = { receipt, avatar ->
+                ReceiptStore.save(requireContext(), receipt)
+                clearForm()
+                val activity = requireActivity() as HomeActivity
+                activity.triggerRefresh()
+                activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+            }
+        ).also { mfaisaHandler = it }
+
     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
@@ -135,6 +182,17 @@ class TransferFragment : Fragment() {
             return@registerForActivityResult
         }
 
+        // M-Faisa merchant QR — content is just the numeric qrCodeId. Only attempt the lookup
+        // when the user actually has an M-Faisa wallet logged in; otherwise fall through to
+        // PayMV parsing (which will toast "invalid" as before).
+        val trimmedRaw = raw.trim()
+        val app = requireActivity().application as BasedBankApp
+        if (trimmedRaw.length in 8..16 && trimmedRaw.all { it.isDigit() } &&
+            app.mfaisaSessions.isNotEmpty()) {
+            lookupMfaisaQrMerchant(trimmedRaw)
+            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()
@@ -250,11 +308,36 @@ class TransferFragment : Fragment() {
                 lookupBmlQrMerchant(accountNumber.removePrefix("bmlqr:"))
                 return@setFragmentResultListener
             }
+            if (accountNumber.startsWith("mfaisaqr:")) {
+                // M-Faisa QR merchant recent — re-run the lookup so the merchant stays current
+                // (price / status can change) and so the source auto-switch path is taken.
+                lookupMfaisaQrMerchant(accountNumber.removePrefix("mfaisaqr:"))
+                return@setFragmentResultListener
+            }
+            // MFAISA source + a phone-number pick (e.g. a tagged M-Faisa recent) — re-run the
+            // basicBeneDetails lookup so the recipient gets fully resolved before Send is enabled.
+            if (selectedAccount?.bank == "MFAISA") {
+                binding.etTo.setText(accountNumber)
+                mfaisaHandler().searchRecipient(accountNumber)
+                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 {
@@ -294,6 +377,33 @@ 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) {
@@ -375,6 +485,99 @@ class TransferFragment : Fragment() {
         }
     }
 
+    /**
+     * Resolves an M-Faisa qrCodeId to a merchant, paints it in the "To" card, auto-selects an
+     * M-Faisa source if none is selected (or the current one is the wrong bank), and pre-fills
+     * the amount if the QR is dynamic.
+     */
+    private fun lookupMfaisaQrMerchant(qrCodeId: String) {
+        val app = requireActivity().application as BasedBankApp
+        // Prefer the currently-selected MFAISA account's session; otherwise fall back to any session.
+        val source = (selectedAccount?.takeIf { it.bank == "MFAISA" }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" })
+            ?: run {
+                Toast.makeText(requireContext(), "No M-Faisa account available", Toast.LENGTH_SHORT).show()
+                return
+            }
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        // Auto-switch from a non-MFAISA source so the user doesn't have to fix it manually
+        if (selectedAccount?.bank != "MFAISA") {
+            selectedAccount = source
+            updateAmountPrefix(source)
+            showFromCard(source)
+        }
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        (activity as? HomeActivity)?.setRefreshing(true)
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val merchant = withContext(Dispatchers.IO) {
+                try {
+                    sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient().fetchQrDetails(session, qrCodeId)
+                } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                    val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                        ?: return@withContext null
+                    try { sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient().fetchQrDetails(fresh, qrCodeId) }
+                    catch (_: Exception) { null }
+                } catch (_: Exception) { null }
+            }
+            (activity as? HomeActivity)?.setRefreshing(false)
+            if (merchant == null) {
+                Toast.makeText(requireContext(), "Could not look up M-Faisa QR", Toast.LENGTH_LONG).show()
+                resetToFieldVisibility()
+                return@launch
+            }
+            mfaisaQrInfo = merchant
+
+            // Static QRs (no preset amount) make sense to keep in Recents — the merchant is
+            // reusable. Dynamic QRs are one-off so we skip them, same rule as BML QR pay.
+            if (merchant.txnAmount.isNullOrBlank()) {
+                RecentsCache.save(requireContext(), RecentPick(
+                    accountNumber = "mfaisaqr:${merchant.qrCodeId}",
+                    displayName   = merchant.merchantName,
+                    subtitle      = "M-Faisa merchant · ${merchant.merchantMsisdn}",
+                    colorHex      = "#ED1C24",
+                    imageHash     = null,
+                    isProfileImage = false,
+                    bank          = "MFAISA"
+                ))
+            }
+
+            // Show merchant in the "To" card — clear button is the only way to back out
+            binding.tvToAccountName.text = merchant.merchantName
+            binding.tvToBankBic.text = "M-Faisa merchant · ${merchant.merchantMsisdn}"
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+            binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill + lock amount if the QR is dynamic
+            val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
+            if (dynamicAmount != null && dynamicAmount > 0.0) {
+                binding.etAmount.setText("%.2f".format(dynamicAmount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            updateTransferButton()
+        }
+    }
+
+    /** Restores the To-input row to its default state when a QR lookup fails. */
+    private fun resetToFieldVisibility() {
+        binding.cardToInfo.visibility = View.GONE
+        binding.tilTo.visibility = View.VISIBLE
+        binding.btnPickContact.visibility = View.VISIBLE
+        binding.btnScanQr.visibility = View.VISIBLE
+    }
+
     private fun startLookupLoading() {
         val spinner = CircularProgressDrawable(requireContext()).apply {
             setStyle(CircularProgressDrawable.DEFAULT)
@@ -422,6 +625,11 @@ class TransferFragment : Fragment() {
                         return@setOnItemClickListener
                     }
                 }
+                if (mfaisaQrInfo != null && picked.bank != "MFAISA") {
+                    Toast.makeText(requireContext(), "Unsupported for M-Faisa QR — select an M-Faisa account", Toast.LENGTH_SHORT).show()
+                    binding.actvFrom.setText("", false)
+                    return@setOnItemClickListener
+                }
                 selectedAccount = picked
                 updateAmountPrefix(picked)
                 showFromCard(picked)
@@ -439,6 +647,20 @@ class TransferFragment : Fragment() {
                 }
             }
 
+            // 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)
@@ -446,19 +668,71 @@ class TransferFragment : Fragment() {
                 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()
+            }
         }
     }
 
+    /** Toggle the "To" row's affordances + keyboard hints depending on whether the source is MFAISA. */
+    private fun applyMfaisaToFieldMode(mfaisa: Boolean) {
+        if (mfaisa) {
+            binding.tilTo.hint = getString(R.string.ooredoo_phone)
+            binding.etTo.inputType = android.text.InputType.TYPE_CLASS_PHONE
+            // Any previously-resolved non-MFAISA recipient (or stale state) is no longer valid
+            if (resolvedAccountNumber.isNotBlank() && mfaisaHandler?.recipient == null) {
+                resolvedAccountNumber = ""
+                resolvedRecipientName = ""
+                resolvedDestCurrency = ""
+                resolvedToOwnAccount = null
+                binding.cardToInfo.visibility = View.GONE
+                binding.tilTo.visibility = View.VISIBLE
+                binding.etTo.setText("")
+            }
+        } else {
+            binding.tilTo.hint = getString(R.string.transfer_to)
+            binding.etTo.inputType = android.text.InputType.TYPE_CLASS_TEXT or android.text.InputType.TYPE_TEXT_FLAG_NO_SUGGESTIONS
+            // Drop any M-Faisa-resolved recipient when switching banks
+            if (mfaisaHandler?.recipient != null) {
+                mfaisaHandler?.clearState()
+                resolvedAccountNumber = ""
+                resolvedRecipientName = ""
+                resolvedDestCurrency = ""
+                resolvedToOwnAccount = null
+                binding.cardToInfo.visibility = View.GONE
+                binding.tilTo.visibility = View.VISIBLE
+                binding.etTo.setText("")
+            }
+        }
+        // The picker and QR-scan icons live alongside the tilTo input. Keep them in sync with
+        // tilTo: when a To-card is rendered (tilTo GONE), they must be GONE too — otherwise
+        // they end up floating above the rendered merchant/recipient card.
+        val showToAffordances = binding.tilTo.visibility == View.VISIBLE
+        binding.btnPickContact.visibility = if (showToAffordances) View.VISIBLE else View.GONE
+        binding.btnScanQr.visibility       = if (showToAffordances) View.VISIBLE else View.GONE
+    }
+
     private fun showFromCard(account: BankAccount) {
+        // Apply per-source "To"-row configuration before painting the card. M-Faisa transfers
+        // only target phone numbers (looked up via basicBeneDetails), so the QR / contact-picker
+        // affordances are hidden and the keyboard is set to phone-numeric.
+        applyMfaisaToFieldMode(account.bank == "MFAISA")
+
         val colorHex = when (account.bank) {
             "BML"     -> "#0066A1"
             "FAHIPAY" -> "#15BEA7"
+            "MFAISA"  -> "#ED1C24"
             else      -> "#FE860E"
         }
         val bankLabel = when (account.bank) {
             "BML"     -> "BML"
             "FAHIPAY" -> "FP"
             "MIB"     -> "MIB"
+            "MFAISA"  -> "M-Faisa"
             else      -> null
         }
         val typeLabel = AccountListParser.from(account)?.typeLabel
@@ -492,11 +766,18 @@ class TransferFragment : Fragment() {
                 binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivFromPhoto.setImageResource(R.drawable.fahipay_logo)
             }
-            else -> {
+            account.bank == "MFAISA" -> {
+                binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                binding.ivFromPhoto.setImageResource(R.drawable.ooredoo_logo)
+            }
+            account.bank == "MIB" -> {
                 binding.ivFromPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivFromPhoto.setImageResource(R.drawable.mib_logo)
                 if (account.profileImageHash != null) loadFromPhoto(account.profileImageHash)
             }
+            else -> {
+                binding.ivFromPhoto.setImageDrawable(null)
+            }
         }
         binding.tilFrom.visibility = View.GONE
         binding.cardFromInfo.visibility = View.VISIBLE
@@ -549,11 +830,18 @@ class TransferFragment : Fragment() {
                 binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivToPhoto.setImageResource(R.drawable.fahipay_logo)
             }
-            else -> {
+            account.bank == "MFAISA" -> {
+                binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            }
+            account.bank == "MIB" -> {
                 binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
                 binding.ivToPhoto.setImageResource(R.drawable.mib_logo)
                 if (account.profileImageHash != null) loadToPhoto(account.profileImageHash, isProfile = true)
             }
+            else -> {
+                binding.ivToPhoto.setImageDrawable(null)
+            }
         }
     }
 
@@ -580,7 +868,14 @@ class TransferFragment : Fragment() {
     }
 
     private fun setupAccountLookup() {
-        binding.tilTo.setEndIconOnClickListener { lookupAccount() }
+        binding.tilTo.setEndIconOnClickListener {
+            // M-Faisa source uses an entirely different lookup path (phone → basicBeneDetails)
+            if (selectedAccount?.bank == "MFAISA") {
+                mfaisaHandler().searchRecipient(binding.etTo.text?.toString().orEmpty())
+            } else {
+                lookupAccount()
+            }
+        }
 
         binding.btnClearToInfo.setOnClickListener {
             if (bmlQrInfo != null) {
@@ -591,16 +886,27 @@ class TransferFragment : Fragment() {
                 binding.tilRemarks.alpha = 1f
                 binding.etAmount.setText("")
             }
+            if (mfaisaQrInfo != null) {
+                mfaisaQrInfo = null
+                binding.tilAmount.isEnabled = true
+                binding.tilRemarks.isEnabled = true
+                binding.tilRemarks.alpha = 1f
+                binding.etAmount.setText("")
+            }
             resolvedAccountNumber = ""
             resolvedRecipientName = ""
+            resolvedDestCurrency = ""
             resolvedToOwnAccount = null
             selectedFahipayService = null
+            mfaisaHandler?.clearState()
             binding.cardToInfo.visibility = View.GONE
             binding.layoutServiceSelector.visibility = View.INVISIBLE
             binding.tilTo.visibility = View.VISIBLE
             binding.btnPickContact.visibility = View.VISIBLE
             binding.btnScanQr.visibility = View.VISIBLE
             binding.tilTo.error = null
+            // Re-apply MFAISA-mode if needed (hides QR/contact picker + sets phone keyboard)
+            applyMfaisaToFieldMode(selectedAccount?.bank == "MFAISA")
             updateTransferButton()
         }
 
@@ -609,11 +915,14 @@ class TransferFragment : Fragment() {
             if (binding.cardToInfo.visibility == View.VISIBLE) {
                 resolvedAccountNumber = ""
                 resolvedRecipientName = ""
+                resolvedDestCurrency = ""
                 resolvedToOwnAccount = null
+                mfaisaHandler?.clearState()
                 binding.cardToInfo.visibility = View.GONE
                 binding.tilTo.visibility = View.VISIBLE
                 binding.btnPickContact.visibility = View.VISIBLE
                 binding.btnScanQr.visibility = View.VISIBLE
+                applyMfaisaToFieldMode(selectedAccount?.bank == "MFAISA")
                 updateTransferButton()
             }
         }
@@ -692,7 +1001,16 @@ 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 }
@@ -701,21 +1019,29 @@ 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
                     }
                 }
             }
@@ -731,6 +1057,14 @@ 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)
@@ -863,6 +1197,9 @@ 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 ?: ""
 
@@ -885,22 +1222,37 @@ 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
@@ -969,6 +1321,51 @@ class TransferFragment : Fragment() {
     }
 
     private fun initiateTransfer() {
+        // M-Faisa merchant QR — same confirm popup as other transfers. The /initiateNewBuy +
+        // /confirmNewBuy pair does NOT require OTP for wallet QR pay (2FARequired=NONE).
+        mfaisaQrInfo?.let { merchant ->
+            val src = selectedAccount ?: run {
+                Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+                return
+            }
+            if (src.bank != "MFAISA") {
+                Toast.makeText(requireContext(), "Switch to an M-Faisa account to pay this QR", Toast.LENGTH_SHORT).show()
+                return
+            }
+            val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+            val amount = amountStr.toDoubleOrNull()
+            if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+            binding.tilAmount.error = null
+            val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+
+            val confirmView = buildTransferConfirmView(
+                amountCurrency = merchant.currencyCode,
+                amountValue = "%.2f".format(amount),
+                fromName = src.accountBriefName,
+                fromNumber = src.accountNumber,
+                fromDetail = "M-Faisa",
+                toName = merchant.merchantName,
+                toNumber = merchant.merchantMsisdn,
+                toDetail = "Ooredoo M-Faisa merchant"
+            )
+            showConfirmWithBiometric(
+                title = getString(R.string.transfer),
+                customView = confirmView,
+                biometricSubtitle = "${merchant.currencyCode} ${"%.2f".format(amount)} → ${merchant.merchantName}",
+                onConfirmed = { dialog, frame ->
+                    showProcessingInDialog(dialog, frame)
+                    executeMfaisaQrPayment(src, merchant, amount, "%.2f".format(amount), remarks, dialog, frame)
+                }
+            )
+            return
+        }
+
+        // M-Faisa source: the entire flow (initiate + OTP + confirm) lives in the handler.
+        if (selectedAccount?.bank == "MFAISA") {
+            mfaisaHandler().submit()
+            return
+        }
+
         // BML QR merchant payment — uses shared confirm dialog, no receipt
         bmlQrInfo?.let { info ->
             val src = selectedAccount ?: run {
@@ -1037,10 +1434,27 @@ 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
             }
@@ -1050,11 +1464,13 @@ 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"
 
@@ -1158,7 +1574,7 @@ class TransferFragment : Fragment() {
         )
     }
 
-    private fun buildTransferConfirmView(
+    internal fun buildTransferConfirmView(
         amountCurrency: String,
         amountValue: String,
         fromName: String,
@@ -1340,6 +1756,93 @@ class TransferFragment : Fragment() {
         }
     }
 
+    private fun executeMfaisaQrPayment(
+        src: BankAccount,
+        merchant: sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient.QrMerchant,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout
+    ) {
+        val app = requireActivity().application as BasedBankApp
+        val loginId = src.loginTag.removePrefix("mfaisa_")
+        val initialSession = app.mfaisaSessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        // M-Faisa expects the user's MSISDN with the "960" country prefix (the session stores the
+        // bare 7-digit form). The pocket itself is identified by [BankAccount.accountNumber].
+        val sourceMdn = "960${initialSession.msisdn}"
+
+        binding.btnTransfer.isEnabled = false
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val outcome = withContext(Dispatchers.IO) {
+                val client = sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient()
+                try {
+                    val refId = try {
+                        client.initiatePurchase(initialSession, src.accountNumber, sourceMdn, merchant, amountStr, remarks)
+                    } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.initiatePurchase(fresh, src.accountNumber, "960${fresh.msisdn}", merchant, amountStr, remarks)
+                    }
+                    val confirmSession = app.mfaisaSessionFor(src) ?: initialSession
+                    try {
+                        client.confirmPurchase(confirmSession, refId)
+                    } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.confirmPurchase(fresh, refId)
+                    }
+                    Result.success(refId)
+                } catch (e: Exception) {
+                    Result.failure<String>(e)
+                }
+            }
+            if (_binding == null) return@launch
+
+            outcome.fold(
+                onSuccess = { _ ->
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountStr,
+                        currency     = merchant.currencyCode,
+                        fromLabel    = src.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = merchant.merchantName,
+                        toAccount    = merchant.merchantMsisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Merchant payment",
+                        mfaisaFromName        = src.accountBriefName,
+                        mfaisaFromMsisdn      = src.accountNumber,
+                        mfaisaToMsisdn        = merchant.merchantMsisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    ReceiptStore.save(requireContext(), receipt)
+                    dialog.dismiss()
+                    clearForm()
+                    val activity = requireActivity() as HomeActivity
+                    activity.triggerRefresh()
+                    activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, null))
+                },
+                onFailure = { e ->
+                    dialog.dismiss()
+                    binding.btnTransfer.isEnabled = true
+                    val msg = when {
+                        e is java.io.IOException -> getString(R.string.connectivity_no_internet)
+                        !e.message.isNullOrBlank() -> e.message!!
+                        else -> "Payment failed"
+                    }
+                    Toast.makeText(requireContext(), msg, Toast.LENGTH_LONG).show()
+                }
+            )
+        }
+    }
+
     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
@@ -1931,7 +2434,7 @@ class TransferFragment : Fragment() {
     private fun updateTransferButton() {
         if (bmlOtpState != BmlOtpState.NONE) return
         val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
-        val recipientReady = if (bmlQrInfo != null) bmlQrInfo != null else resolvedAccountNumber.isNotBlank()
+        val recipientReady = bmlQrInfo != null || mfaisaQrInfo != null || resolvedAccountNumber.isNotBlank()
         val hasAll = selectedAccount != null && recipientReady && amount > 0
         if (!hasAll) { binding.btnTransfer.isEnabled = false; return }
         val errors = viewModel.connectivityErrors.value ?: emptySet()
@@ -1942,16 +2445,22 @@ class TransferFragment : Fragment() {
 
     private fun clearForm() {
         resetBmlOtpState()
+        mfaisaHandler?.clearState()
+        mfaisaQrInfo = null
         selectedAccount = null
         binding.actvFrom.setText("", false)
         binding.cardFromInfo.visibility = View.GONE
         binding.tilFrom.visibility = View.VISIBLE
         binding.tilAmount.prefixText = null
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
         binding.etRemarks.setText("")
         resolvedAccountNumber = ""
         resolvedRecipientName = ""
         resolvedBankName = ""
+        resolvedDestCurrency = ""
         resolvedToOwnAccount = null
         selectedFahipayService = null
         binding.cardToInfo.visibility = View.GONE
@@ -2053,6 +2562,17 @@ class TransferFragment : Fragment() {
 
     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
+        // The M-Faisa handler holds binding refs; drop it so the next view gets a fresh one.
+        mfaisaHandler?.clearState()
+        mfaisaHandler = null
         _binding = null
     }
 
@@ -2212,6 +2732,10 @@ class TransferFragment : Fragment() {
                         }
                         imageView.visibility = View.VISIBLE
                     }
+                    acc.bank == "MFAISA" -> {
+                        b.ivDropdownCardLogo.setImageResource(R.drawable.ooredoo_logo)
+                        b.ivDropdownCardLogo.visibility = View.VISIBLE
+                    }
                     else -> b.ivDropdownCardLogo.visibility = View.GONE
                 }
                 b.root

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

@@ -27,6 +27,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.mfaisa.MfaisaHistoryClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibHistoryClient
@@ -61,12 +62,18 @@ class TransferHistoryFragment : Fragment() {
         var bmlTotalPages: Int = -1,
         var cardMonthOffset: Int = 0,
         var fahipayNextStart: Int = 0,
-        var fahipayTotal: Int = -1
+        var fahipayTotal: Int = -1,
+        var mfaisaNextPage: Int = 1,
+        var mfaisaHasMore: Boolean = true
     ) {
+        // PayPal pockets have no known history endpoint, so they don't paginate here.
+        private val isMfaisaPaypal get() = account.profileType == "MFAISA_PAYPAL"
+
         fun hasMore(): Boolean = when {
             account.bank == "FAHIPAY"                                                       -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
             account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT" -> cardMonthOffset < 2
             account.bank == "BML"                                                           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+            account.bank == "MFAISA"                                                        -> !isMfaisaPaypal && mfaisaHasMore
             else                                                                            -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
     }
@@ -209,13 +216,14 @@ 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()
@@ -235,6 +243,36 @@ class TransferHistoryFragment : Fragment() {
                     }
                 }.awaitAll().flatten())
 
+                // M-Faisa accounts (PayPal pockets are skipped by hasMore())
+                val mfaisaStates = activeStates.filter { it.account.bank == "MFAISA" }
+                for (state in mfaisaStates) {
+                    var session = app.mfaisaSessionFor(state.account) ?: continue
+                    try {
+                        val page = try {
+                            MfaisaHistoryClient().fetchHistory(
+                                session            = session,
+                                accountNumber      = state.account.accountNumber,
+                                accountDisplayName = state.account.accountBriefName,
+                                pageNo             = state.mfaisaNextPage,
+                                recordSize         = 70
+                            )
+                        } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+                            val loginId = state.account.loginTag.removePrefix("mfaisa_")
+                            session = app.refreshMfaisaSession(loginId) ?: continue
+                            MfaisaHistoryClient().fetchHistory(
+                                session            = session,
+                                accountNumber      = state.account.accountNumber,
+                                accountDisplayName = state.account.accountBriefName,
+                                pageNo             = state.mfaisaNextPage,
+                                recordSize         = 70
+                            )
+                        }
+                        state.mfaisaHasMore = page.hasMore
+                        state.mfaisaNextPage++
+                        results.addAll(page.transactions)
+                    } catch (e: Exception) { trackError(e) }
+                }
+
                 // Fahipay accounts
                 val fahipayStates = activeStates.filter { it.account.bank == "FAHIPAY" }
                 for (state in fahipayStates) {

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

@@ -19,4 +19,10 @@ data class TransferReceiptData(
     val bmlReference: String = "",
     val bmlTimestamp: String = "",
     val bmlMessage: String = "",
+    // M-Faisa receipt fields
+    val mfaisaTransactionType: String = "",
+    val mfaisaFromName: String = "",
+    val mfaisaFromMsisdn: String = "",
+    val mfaisaToMsisdn: String = "",
+    val mfaisaTimestamp: Long = 0L,
 )

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
@@ -36,6 +38,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.FragmentReceiptBmlBinding
+import sh.sar.basedbank.databinding.FragmentReceiptMfaisaBinding
 import sh.sar.basedbank.databinding.FragmentReceiptMibBinding
 import java.io.File
 import java.io.FileOutputStream
@@ -66,6 +69,11 @@ class TransferReceiptFragment : Fragment() {
         private const val ARG_BML_REFERENCE       = "bml_reference"
         private const val ARG_BML_TIMESTAMP       = "bml_timestamp"
         private const val ARG_BML_MESSAGE         = "bml_message"
+        private const val ARG_MFAISA_TXN_TYPE     = "mfaisa_txn_type"
+        private const val ARG_MFAISA_FROM_NAME    = "mfaisa_from_name"
+        private const val ARG_MFAISA_FROM_MSISDN  = "mfaisa_from_msisdn"
+        private const val ARG_MFAISA_TO_MSISDN    = "mfaisa_to_msisdn"
+        private const val ARG_MFAISA_TIMESTAMP    = "mfaisa_timestamp"
 
         // Holds the already-rendered to-avatar bitmap from TransferFragment
         var pendingToAvatarBitmap: Bitmap? = null
@@ -89,28 +97,68 @@ class TransferReceiptFragment : Fragment() {
                 putString(ARG_BML_REFERENCE,  data.bmlReference)
                 putString(ARG_BML_TIMESTAMP,  data.bmlTimestamp)
                 putString(ARG_BML_MESSAGE,    data.bmlMessage)
+                putString(ARG_MFAISA_TXN_TYPE,    data.mfaisaTransactionType)
+                putString(ARG_MFAISA_FROM_NAME,   data.mfaisaFromName)
+                putString(ARG_MFAISA_FROM_MSISDN, data.mfaisaFromMsisdn)
+                putString(ARG_MFAISA_TO_MSISDN,   data.mfaisaToMsisdn)
+                putLong(ARG_MFAISA_TIMESTAMP,     data.mfaisaTimestamp)
             }
         }
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
-        return if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
-            bindMib(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
-            bindBml(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
+        return when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
+                bindMib(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(inflater, container, false)
+                bindMfaisa(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
+                bindBml(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
         }
     }
 
     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()
         }
@@ -222,6 +270,49 @@ class TransferReceiptFragment : Fragment() {
         )
     }
 
+    private fun bindMfaisa(binding: FragmentReceiptMfaisaBinding) {
+        val args      = requireArguments()
+        val currency  = args.getString(ARG_CURRENCY, "MVR")
+        val amountStr = args.getString(ARG_AMOUNT, "")
+
+        val formattedAmount = try {
+            val d = amountStr.toDouble()
+            val intFmt = NumberFormat.getNumberInstance(Locale.US).apply { maximumFractionDigits = 0 }
+            intFmt.format(d.toLong()) + "%.2f".format(d).takeLast(3)
+        } catch (_: Exception) { amountStr }
+
+        binding.tvAmount.text = "$currency $formattedAmount"
+        binding.tvTransactionType.text = args.getString(ARG_MFAISA_TXN_TYPE, "")
+            .ifBlank { "Transfer to mobile" }
+        binding.tvFromName.text = args.getString(ARG_MFAISA_FROM_NAME, "")
+            .ifBlank { args.getString(ARG_FROM_LABEL, "") }
+        binding.tvFromMsisdn.text = args.getString(ARG_MFAISA_FROM_MSISDN, "")
+        binding.tvToName.text = args.getString(ARG_TO_LABEL, "")
+        binding.tvToMsisdn.text = args.getString(ARG_MFAISA_TO_MSISDN, "")
+            .ifBlank { args.getString(ARG_TO_ACCOUNT, "") }
+        binding.tvDateTime.text = formatMfaisaTimestamp(args.getLong(ARG_MFAISA_TIMESTAMP, 0L))
+
+        val remarks = args.getString(ARG_REMARKS, "")
+        if (!remarks.isNullOrBlank()) {
+            binding.tvRemarks.text = remarks
+            binding.remarksDivider.visibility = View.VISIBLE
+            binding.remarksRow.visibility = View.VISIBLE
+        }
+
+        copyOnLongClick(
+            binding.tvAmount, binding.tvStatus, binding.tvTransactionType,
+            binding.tvFromName, binding.tvFromMsisdn,
+            binding.tvToName, binding.tvToMsisdn,
+            binding.tvDateTime, binding.tvRemarks
+        )
+    }
+
+    private fun formatMfaisaTimestamp(millis: Long): String {
+        val effective = if (millis > 0) millis else System.currentTimeMillis()
+        val sdf = java.text.SimpleDateFormat("EEEE d MMMM yyyy HH:mm:ss z", Locale.US)
+        return sdf.format(java.util.Date(effective))
+    }
+
     // ── Share / Save ──────────────────────────────────────────────────────────
 
     private fun shareReceipt() {
@@ -338,14 +429,22 @@ class TransferReceiptFragment : Fragment() {
             setBackgroundColor(Color.BLACK)
         }
 
-        val cardView = if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
-            bindMib(binding)
-            binding.receiptCard
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
-            bindBml(binding)
-            binding.receiptCard
+        val cardView = when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
+                bindMib(binding)
+                binding.receiptCard
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(layoutInflater)
+                bindMfaisa(binding)
+                binding.receiptCard
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
+                bindBml(binding)
+                binding.receiptCard
+            }
         }
         (cardView.parent as? ViewGroup)?.removeView(cardView)
         cardView.setOnClickListener { dialog.dismiss() }

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

@@ -0,0 +1,426 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.content.Context
+import android.graphics.Bitmap
+import android.graphics.Color
+import android.view.Gravity
+import android.view.View
+import android.widget.LinearLayout
+import android.widget.TextView
+import android.widget.Toast
+import androidx.biometric.BiometricManager
+import androidx.biometric.BiometricPrompt
+import androidx.core.content.ContextCompat
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+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.mfaisa.MfaisaInvalidOtpException
+import sh.sar.basedbank.api.mfaisa.MfaisaRecipientNotFoundException
+import sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.AccountInputParser
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
+
+/**
+ * Owns the M-Faisa-only parts of the Transfer screen: phone-based recipient lookup,
+ * initiate-with-OTP, and confirm-with-OTP. Lives alongside [sh.sar.basedbank.ui.home.TransferFragment]
+ * which dispatches to it whenever [BankAccount.bank] == "MFAISA" is the selected source.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
+ * [Fragment.viewLifecycleOwner] and Context) — and must be re-created when the view is recreated.
+ */
+class MfaisaTransferHandler(
+    private val fragment: Fragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+    /** Hook called when M-Faisa successfully resolves or clears a recipient — fragment uses this to update Send-button state. */
+    private val onRecipientChanged: () -> Unit,
+    /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes account balances. */
+    private val onTransferSuccess: (TransferReceiptData, Bitmap?) -> Unit,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+
+    /** Set to the resolved recipient after a successful search; null otherwise. */
+    var recipient: MfaisaTransferClient.Recipient? = null
+        private set
+
+    private var lookupInFlight = false
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /** Whether the recipient lookup has resolved — gates the Send button. */
+    fun isRecipientReady(): Boolean = recipient?.isMvr == true
+
+    /** Triggered when the user taps the search end-icon in `tilTo` (and source bank is MFAISA). */
+    fun searchRecipient(rawInput: String) {
+        if (lookupInFlight) return
+        // Reuse the shared normalizer so "+960", "960", and embedded spaces work the same as
+        // they do for MIB/BML lookup. The result is a bare 7-digit MSISDN when input was a
+        // local phone number, untouched otherwise.
+        val phone = AccountInputParser.normalize(rawInput)
+        if (AccountInputParser.detect(phone) != AccountInputParser.InputType.PHONE) {
+            binding.tilTo.error = "Enter a valid mobile number"
+            return
+        }
+        binding.tilTo.error = null
+
+        val source = currentSource() ?: return
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        lookupInFlight = true
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val result = withContext(Dispatchers.IO) {
+                    try {
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(session, phone)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(fresh, phone)
+                    }
+                }
+                if (!result.isMvr) {
+                    // Server returned the user but only with a PayPal pocket — not supported.
+                    binding.tilTo.error = "This number doesn't have an MVR M-Faisa pocket"
+                } else {
+                    recipient = result
+                    showResolvedRecipient(result)
+                }
+            } catch (_: MfaisaRecipientNotFoundException) {
+                binding.tilTo.error = "No M-Faisa wallet found for this number"
+            } catch (e: java.io.IOException) {
+                Toast.makeText(ctx, R.string.connectivity_no_internet, Toast.LENGTH_SHORT).show()
+            } catch (e: Exception) {
+                binding.tilTo.error = e.message ?: "Lookup failed"
+            } finally {
+                lookupInFlight = false
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                onRecipientChanged()
+            }
+        }
+    }
+
+    /** Triggered when the user taps the Send button (and source bank is MFAISA). */
+    fun submit() {
+        val source = currentSource() ?: return
+        val r = recipient ?: run {
+            Toast.makeText(ctx, "Search for a recipient first", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim().orEmpty()
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+
+        val sourcePocketId = source.accountNumber  // pocketId IS the accountNumber for M-Faisa accounts
+
+        binding.btnTransfer.isEnabled = false
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val refId = try {
+                withContext(Dispatchers.IO) { initiateWithRetry(source, sourcePocketId, r, amountStr, remarks) }
+            } catch (e: Exception) {
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                binding.btnTransfer.isEnabled = true
+                showError(e)
+                return@launch
+            }
+            (fragment.activity as? HomeActivity)?.setRefreshing(false)
+            // Server has now SMSed an OTP to the user's phone. Prompt them for it.
+            promptForOtp(source, r, amountStr, remarks, refId, errorMsg = null)
+        }
+    }
+
+    /** Called when the source account changes away from M-Faisa (or the view tears down). */
+    fun clearState() {
+        recipient = null
+        lookupInFlight = false
+    }
+
+    // ─── Internal ────────────────────────────────────────────────────────────
+
+    private fun currentSource(): BankAccount? =
+        viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" && it.accountNumber == sourceAccountNumberFromCard() }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }  // fallback if from-card field isn't easily readable
+
+    private fun sourceAccountNumberFromCard(): String =
+        binding.tvFromAccountNumber.text?.toString().orEmpty()
+
+    private fun showResolvedRecipient(r: MfaisaTransferClient.Recipient) {
+        // Reuse the same recipient card the fragment uses for other banks. The fragment owns the
+        // card view, so we just populate its text fields and toggle visibility.
+        binding.tvToAccountName.text = r.name.ifBlank { r.msisdn }
+        binding.tvToBankBic.text = r.msisdn
+        binding.tvToAccountDetails.text = "Ooredoo M-Faisa · MVR"
+        binding.tvToAccountDetails.visibility = View.VISIBLE
+        binding.tvToBalance.visibility = View.GONE
+        binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+        binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        binding.cardToInfo.visibility = View.VISIBLE
+
+        RecentsCache.save(ctx, RecentPick(
+            accountNumber  = r.msisdn,
+            displayName    = r.name.ifBlank { r.msisdn },
+            subtitle       = "Ooredoo M-Faisa · ${r.msisdn}",
+            colorHex       = "#ED1C24",
+            imageHash      = null,
+            isProfileImage = false,
+            bank           = "MFAISA"
+        ))
+    }
+
+    /** Initiate with one automatic retry if the session has expired. */
+    private fun initiateWithRetry(
+        source: BankAccount,
+        sourcePocketId: String,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String
+    ): String {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        return try {
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(session, sourcePocketId, r, amountStr, remarks)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(fresh, sourcePocketId, r, amountStr, remarks)
+        }
+    }
+
+    private fun confirmWithRetry(source: BankAccount, refId: String, otpCode: String) {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        try {
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(session, refId, otpCode)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(fresh, refId, otpCode)
+        }
+    }
+
+    /**
+     * Shows the unified "confirm + enter OTP" dialog. Body is the standard transfer-confirm
+     * view (amount + from/to blocks via [TransferFragment.buildTransferConfirmView]) plus an
+     * OTP input. The Confirm button stays disabled until a 6-digit code is entered. Biometric
+     * gating + invalid-OTP re-prompt + session-refresh retry are all preserved.
+     *
+     * The displayed "code sent to" line uses the SOURCE M-Faisa login's MSISDN (where the SMS
+     * was actually sent) — the old standalone OTP dialog mistakenly showed the recipient.
+     */
+    private fun promptForOtp(
+        source: BankAccount,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String,
+        refId: String,
+        errorMsg: String?
+    ) {
+        val tf = fragment as? TransferFragment ?: return
+        val view = fragment.view ?: return
+        val dp = ctx.resources.displayMetrics.density
+        val colorMuted = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
+        val colorOutline = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOutlineVariant, Color.LTGRAY)
+
+        val amountValue = try { "%.2f".format(amountStr.toDouble()) } catch (_: Exception) { amountStr }
+        val confirmView = tf.buildTransferConfirmView(
+            amountCurrency = "MVR",
+            amountValue    = amountValue,
+            fromName       = source.accountBriefName,
+            fromNumber     = source.accountNumber,
+            fromDetail     = "M-Faisa",
+            toName         = r.name.ifBlank { r.msisdn },
+            toNumber       = r.msisdn,
+            toDetail       = "Ooredoo M-Faisa"
+        )
+
+        // The user's own M-Faisa MSISDN (where the SMS is sent). The session stores the bare
+        // 7 digits; prefix with 960 for display.
+        val userMsisdn = app.mfaisaSessionFor(source)?.msisdn
+            ?.takeIf { it.isNotBlank() }
+            ?.let { "960$it" }
+            ?: "your registered number"
+
+        val otpHeader = TextView(ctx).apply {
+            text = "A 6-digit verification code has been sent to $userMsisdn"
+            textSize = 13f
+            setTextColor(colorMuted)
+            gravity = Gravity.CENTER
+        }
+        val otpInput = android.widget.EditText(ctx).apply {
+            hint = "Enter 6-digit code"
+            inputType = android.text.InputType.TYPE_CLASS_NUMBER
+            filters = arrayOf(android.text.InputFilter.LengthFilter(6))
+            textSize = 20f
+            gravity = Gravity.CENTER
+            letterSpacing = 0.3f
+        }
+        val errorView = errorMsg?.let {
+            TextView(ctx).apply {
+                text = it
+                textSize = 13f
+                setTextColor(Color.RED)
+                gravity = Gravity.CENTER
+            }
+        }
+        val divider = View(ctx).apply {
+            setBackgroundColor(colorOutline)
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).apply {
+                topMargin = (8 * dp).toInt()
+            }
+        }
+        val otpSection = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            setPadding((20 * dp).toInt(), (12 * dp).toInt(), (20 * dp).toInt(), (4 * dp).toInt())
+            addView(otpHeader, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT))
+            addView(otpInput, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                topMargin = (8 * dp).toInt()
+            })
+            if (errorView != null) {
+                addView(errorView, LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    topMargin = (8 * dp).toInt()
+                })
+            }
+        }
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            addView(confirmView)
+            addView(divider)
+            addView(otpSection)
+        }
+
+        // Hide any previously-open keyboard so the OTP field can claim focus cleanly.
+        val imm = ctx.getSystemService(Context.INPUT_METHOD_SERVICE) as android.view.inputmethod.InputMethodManager
+        imm.hideSoftInputFromWindow(view.windowToken, 0)
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.transfer)
+            .setView(container)
+            .setPositiveButton(R.string.transfer_confirm, null)
+            .setNegativeButton(R.string.cancel) { d, _ ->
+                d.dismiss()
+                binding.btnTransfer.isEnabled = true
+            }
+            .setCancelable(false)
+            .show()
+
+        val confirmBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        confirmBtn.isEnabled = false
+        otpInput.addTextChangedListener { text ->
+            confirmBtn.isEnabled = (text?.length ?: 0) == 6
+        }
+
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val biometricTransferConfirm = prefs.getBoolean("biometrics_transfer_confirm", false)
+        val canAuth = BiometricManager.from(ctx)
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+
+        val runConfirm: () -> Unit = {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
+            dialog.dismiss()
+            (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+            fragment.viewLifecycleOwner.lifecycleScope.launch {
+                try {
+                    withContext(Dispatchers.IO) { confirmWithRetry(source, refId, otp) }
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountValue,
+                        currency     = "MVR",
+                        fromLabel    = source.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = r.name.ifBlank { r.msisdn },
+                        toAccount    = r.msisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Transfer to mobile",
+                        mfaisaFromName        = source.accountBriefName,
+                        mfaisaFromMsisdn      = source.accountNumber,
+                        mfaisaToMsisdn        = r.msisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    onTransferSuccess(receipt, null)
+                } catch (e: MfaisaInvalidOtpException) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    // Server kept the referenceId alive — re-prompt without restarting initiate.
+                    promptForOtp(source, r, amountStr, remarks, refId, e.message)
+                } catch (e: Exception) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    binding.btnTransfer.isEnabled = true
+                    showError(e)
+                }
+            }
+        }
+
+        confirmBtn.setOnClickListener {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
+            if (otp.length != 6) { otpInput.error = "Enter 6 digits"; return@setOnClickListener }
+            if (biometricTransferConfirm && canAuth) {
+                val prompt = BiometricPrompt(fragment, ContextCompat.getMainExecutor(ctx),
+                    object : BiometricPrompt.AuthenticationCallback() {
+                        override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                            runConfirm()
+                        }
+                        override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
+                            if (errorCode != BiometricPrompt.ERROR_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_USER_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_NEGATIVE_BUTTON) {
+                                Toast.makeText(ctx, errString, Toast.LENGTH_SHORT).show()
+                            }
+                        }
+                        override fun onAuthenticationFailed() { /* keep dialog open */ }
+                    })
+                prompt.authenticate(
+                    BiometricPrompt.PromptInfo.Builder()
+                        .setTitle(ctx.getString(R.string.biometric_transfer_title))
+                        .setSubtitle("MVR $amountValue → ${r.name.ifBlank { r.msisdn }}")
+                        .setNegativeButtonText(ctx.getString(android.R.string.cancel))
+                        .build()
+                )
+            } else {
+                runConfirm()
+            }
+        }
+    }
+
+    private fun showError(e: Exception) {
+        val msg = when {
+            e is java.io.IOException -> ctx.getString(R.string.connectivity_no_internet)
+            !e.message.isNullOrBlank() -> e.message!!
+            else -> "Transfer failed"
+        }
+        Toast.makeText(ctx, msg, Toast.LENGTH_LONG).show()
+    }
+}

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

@@ -31,6 +31,10 @@ class BankSelectionFragment : Fragment() {
             val args = android.os.Bundle().apply { putString("bankType", "FAHIPAY") }
             findNavController().navigate(R.id.action_bankSelection_to_credentials_fahipay, args)
         }
+        binding.cardOoredoo.setOnClickListener {
+            val args = android.os.Bundle().apply { putString("bankType", "OOREDOO") }
+            findNavController().navigate(R.id.action_bankSelection_to_credentials_ooredoo, args)
+        }
     }
 
     override fun onDestroyView() {

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
@@ -27,6 +30,12 @@ import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipayAccountClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.mfaisa.MfaisaAccountClient
+import sh.sar.basedbank.api.mfaisa.MfaisaInvalidPinException
+import sh.sar.basedbank.api.mfaisa.MfaisaKycRequiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow
+import sh.sar.basedbank.api.mfaisa.MfaisaNotRegisteredException
+import sh.sar.basedbank.api.mfaisa.MfaisaWalletNotReadyException
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfileClient
@@ -34,6 +43,7 @@ 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 +70,25 @@ 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 +104,20 @@ 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
+            }
+            "OOREDOO" -> {
+                binding.ivBankLogo.setImageResource(R.drawable.ooredoo_logo_long)
+                binding.tvSignInDesc.setText(R.string.ooredoo_sign_in_desc)
+                binding.tilUsername.hint = getString(R.string.ooredoo_phone)
+                binding.etUsername.inputType = android.text.InputType.TYPE_CLASS_PHONE
+                binding.etPassword.inputType =
+                    android.text.InputType.TYPE_CLASS_NUMBER or android.text.InputType.TYPE_NUMBER_VARIATION_PASSWORD
+                binding.etPassword.filters = arrayOf<android.text.InputFilter>(android.text.InputFilter.LengthFilter(4))
+                binding.tilPassword.hint = getString(R.string.ooredoo_pin)
+                binding.rowOtpSeed.visibility = android.view.View.GONE
                 binding.etOtpSeed.isEnabled = false
                 binding.etOtpSeed.isFocusable = false
             }
@@ -83,6 +125,9 @@ 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(" ", "")
@@ -107,7 +152,7 @@ class CredentialsFragment : Fragment() {
             override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
         })
 
-        if (bankType != "FAHIPAY") {
+        if (bankType != "FAHIPAY" && bankType != "OOREDOO") {
             binding.etOtpSeed.addTextChangedListener(object : TextWatcher {
                 override fun afterTextChanged(s: Editable?) {
                     updateOtpDisplay()
@@ -121,7 +166,7 @@ class CredentialsFragment : Fragment() {
 
     override fun onResume() {
         super.onResume()
-        if (bankType != "FAHIPAY") otpHandler.post(otpRunnable)
+        if (bankType != "FAHIPAY" && bankType != "OOREDOO") otpHandler.post(otpRunnable)
     }
 
     override fun onPause() {
@@ -144,6 +189,7 @@ class CredentialsFragment : Fragment() {
         val otpSeed = resolveOtpSeed(otpSeedRaw)
         binding.btnLogin.isEnabled = when (bankType) {
             "FAHIPAY" -> username.isNotEmpty() && password.isNotEmpty()
+            "OOREDOO" -> username.isNotEmpty() && password.length == 4
             else -> username.isNotEmpty() && password.isNotEmpty() && otpSeed.isNotEmpty() && password != otpSeedRaw
         }
     }
@@ -178,6 +224,7 @@ class CredentialsFragment : Fragment() {
         when (bankType) {
             "BML" -> { attemptBmlLogin(); return }
             "FAHIPAY" -> { attemptFahipayLogin(); return }
+            "OOREDOO" -> { attemptMfaisaLogin(); return }
         }
 
         val username = binding.etUsername.text.toString().trim()
@@ -385,6 +432,97 @@ class CredentialsFragment : Fragment() {
         startActivity(intent)
     }
 
+    private fun attemptMfaisaLogin() {
+        val msisdn = binding.etUsername.text.toString().trim()
+        val pin = binding.etPassword.text.toString()
+
+        if (msisdn.isEmpty() || pin.length != 4) {
+            binding.tvError.text = "Please enter your phone number and 4-digit mPIN"
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+        binding.etUsername.isEnabled = false
+        binding.etPassword.isEnabled = false
+
+        val store = CredentialStore(requireContext())
+        val flow = MfaisaLoginFlow(requireContext())
+        val loginTag = "mfaisa_$msisdn"
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                withContext(Dispatchers.IO) { flow.fetchSubscriber(msisdn) }
+                val result = withContext(Dispatchers.IO) { flow.doMobileLogin(msisdn, pin) }
+                val accounts = MfaisaAccountClient.buildAccounts(result, loginTag)
+
+                store.saveMfaisaCredentials(msisdn, msisdn, pin)
+                store.saveMfaisaUserProfile(
+                    msisdn,
+                    CredentialStore.MfaisaUserProfile(
+                        name = result.profile.name,
+                        email = result.profile.email,
+                        mdnId = result.profile.mdnId,
+                        subscriberId = result.profile.subscriberId,
+                        walletId = result.profile.walletId,
+                        roleId = result.profile.roleId,
+                        offerId = result.profile.offerId
+                    )
+                )
+                AccountCache.saveMfaisa(requireContext(), msisdn, accounts)
+
+                val app = requireActivity().application as BasedBankApp
+                app.mfaisaSessions[msisdn] = result.session
+                app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != loginTag } + accounts
+                app.accounts = app.accounts.filter { it.loginTag != loginTag } + accounts
+                app.isUnlocked = true
+
+                val intent = Intent(requireContext(), HomeActivity::class.java)
+                intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+                startActivity(intent)
+            } catch (e: MfaisaNotRegisteredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("User not registered")
+                    .setMessage("Please use the Ooredoo SuperApp to register your M-Faisa wallet and complete KYC, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaKycRequiredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("KYC incomplete")
+                    .setMessage("Your M-Faisa wallet needs Full KYC. Please complete KYC in the Ooredoo SuperApp, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaWalletNotReadyException) {
+                binding.tvError.text = e.message
+                binding.tvError.visibility = View.VISIBLE
+            } catch (e: MfaisaInvalidPinException) {
+                val message = if (e.lastAttempt)
+                    "${e.message}\n\nOne more wrong mPIN will lock your account."
+                else
+                    e.message
+                binding.tvError.text = message ?: "Incorrect mPIN"
+                binding.tvError.visibility = View.VISIBLE
+                // Re-enable PIN input only — leave phone number locked
+                binding.etPassword.isEnabled = true
+                binding.etPassword.setText("")
+                binding.etPassword.requestFocus()
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.etUsername.isEnabled = true
+                binding.etPassword.isEnabled = true
+            } finally {
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+                // After PIN error, keep phone disabled; for any other resolution above we already restored as needed.
+            }
+        }
+    }
+
     private fun attemptFahipayLogin() {
         if (fahipayAwaitingTotp) {
             submitFahipayTotp()

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/AccountCache.kt

@@ -11,6 +11,7 @@ object AccountCache {
     private const val KEY_MIB = "mib_accounts"
     private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
     private fun fahipayKey(loginId: String) = "fahipay_accounts_$loginId"
+    private fun mfaisaKey(loginId: String) = "mfaisa_accounts_$loginId"
 
     fun save(context: Context, accounts: List<BankAccount>) {
         val arr = JSONArray()
@@ -150,6 +151,62 @@ object AccountCache {
     fun loadFahipay(context: Context, loginIds: List<String>): List<BankAccount> =
         loginIds.flatMap { loadFahipay(context, it) }
 
+    fun saveMfaisa(context: Context, loginId: String, accounts: List<BankAccount>) {
+        val arr = JSONArray()
+        for (acc in accounts) {
+            arr.put(JSONObject().apply {
+                put("profileName", acc.profileName)
+                put("profileType", acc.profileType)
+                put("accountNumber", acc.accountNumber)
+                put("accountBriefName", acc.accountBriefName)
+                put("currencyName", acc.currencyName)
+                put("accountTypeName", acc.accountTypeName)
+                put("availableBalance", acc.availableBalance)
+                put("currentBalance", acc.currentBalance)
+                put("blockedAmount", acc.blockedAmount)
+                put("mvrBalance", acc.mvrBalance)
+                put("statusDesc", acc.statusDesc)
+                put("loginTag", acc.loginTag)
+                put("profileId", acc.profileId)
+                put("internalId", acc.internalId)
+            })
+        }
+        context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .edit().putString(mfaisaKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
+    }
+
+    fun loadMfaisa(context: Context, loginId: String): List<BankAccount> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString(mfaisaKey(loginId), null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                BankAccount(
+                    bank             = "MFAISA",
+                    profileName      = o.optString("profileName"),
+                    profileType      = o.optString("profileType"),
+                    accountNumber    = o.optString("accountNumber"),
+                    accountBriefName = o.optString("accountBriefName"),
+                    currencyName     = o.optString("currencyName"),
+                    accountTypeName  = o.optString("accountTypeName"),
+                    availableBalance = o.optString("availableBalance"),
+                    currentBalance   = o.optString("currentBalance"),
+                    blockedAmount    = o.optString("blockedAmount"),
+                    mvrBalance       = o.optString("mvrBalance"),
+                    statusDesc       = o.optString("statusDesc"),
+                    profileImageHash = null,
+                    loginTag         = o.optString("loginTag"),
+                    profileId        = o.optString("profileId", ""),
+                    internalId       = o.optString("internalId", "")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadMfaisa(context: Context, loginIds: List<String>): List<BankAccount> =
+        loginIds.flatMap { loadMfaisa(context, it) }
+
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }

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/AccountHistoryParser.kt

@@ -3,6 +3,7 @@ package sh.sar.basedbank.util
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.bmlapi.BmlHistoryParser
 import sh.sar.basedbank.util.fahipayapi.FahipayHistoryParser
+import sh.sar.basedbank.util.mfaisaapi.MfaisaHistoryParser
 import sh.sar.basedbank.util.mibapi.MibHistoryParser
 
 object AccountHistoryParser {
@@ -11,6 +12,7 @@ object AccountHistoryParser {
         "BML"     -> BmlHistoryParser.displayData(account)
         "FAHIPAY" -> FahipayHistoryParser.displayData(account)
         "MIB"     -> MibHistoryParser.displayData(account)
+        "MFAISA"  -> MfaisaHistoryParser.displayData(account)
         else      -> null
     }
 }

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

@@ -3,6 +3,7 @@ package sh.sar.basedbank.util
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
 import sh.sar.basedbank.util.fahipayapi.FahipayAccountParser
+import sh.sar.basedbank.util.mfaisaapi.MfaisaAccountParser
 import sh.sar.basedbank.util.mibapi.MibAccountParser
 
 object AccountListParser {
@@ -11,6 +12,7 @@ object AccountListParser {
         "BML"     -> BmlDashboardParser.displayData(account)
         "FAHIPAY" -> FahipayAccountParser.displayData(account)
         "MIB"     -> MibAccountParser.displayData(account)
+        "MFAISA"  -> MfaisaAccountParser.displayData(account)
         else      -> null
     }
 }

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

@@ -21,6 +21,7 @@ class CredentialStore(context: Context) {
     data class MibCredentials(val username: String, val passwordHash: String, val otpSeed: String)
     data class BmlCredentials(val username: String, val password: String, val otpSeed: String)
     data class FahipayCredentials(val idCard: String, val password: String)
+    data class MfaisaCredentials(val msisdn: String, val pin: String)
 
     // ── MIB login credentials (multi-login, keyed by loginId = username) ─────
 
@@ -460,6 +461,110 @@ class CredentialStore(context: Context) {
         editor.apply()
     }
 
+    // ── M-Faisa login credentials (multi-login, keyed by loginId = msisdn) ───
+
+    fun getMfaisaLoginIds(): List<String> {
+        val json = prefs.getString("mfaisa_login_ids", null) ?: return emptyList()
+        return try {
+            val arr = org.json.JSONArray(json)
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun hasMfaisaCredentials(): Boolean = getMfaisaLoginIds().isNotEmpty()
+
+    private fun addMfaisaLoginId(loginId: String) {
+        val ids = getMfaisaLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeMfaisaLoginId(loginId: String) {
+        val ids = getMfaisaLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveMfaisaCredentials(loginId: String, msisdn: String, pin: String) {
+        addMfaisaLoginId(loginId)
+        val key = getOrCreateKey()
+        prefs.edit()
+            .putString("mfaisa_${loginId}_enc_msisdn", encrypt(msisdn, key))
+            .putString("mfaisa_${loginId}_enc_pin", encrypt(pin, key))
+            .apply()
+    }
+
+    fun loadMfaisaCredentials(loginId: String): MfaisaCredentials? {
+        val key = getOrCreateKey()
+        val encMsisdn = prefs.getString("mfaisa_${loginId}_enc_msisdn", null) ?: return null
+        val encPin = prefs.getString("mfaisa_${loginId}_enc_pin", null) ?: return null
+        return try {
+            MfaisaCredentials(decrypt(encMsisdn, key), decrypt(encPin, key))
+        } catch (_: Exception) { null }
+    }
+
+    fun clearMfaisaCredentials(loginId: String) {
+        removeMfaisaLoginId(loginId)
+        prefs.edit()
+            .remove("mfaisa_${loginId}_enc_msisdn")
+            .remove("mfaisa_${loginId}_enc_pin")
+            .remove("mfaisa_${loginId}_enc_profile")
+            .remove("mfaisa_${loginId}_hidden_pockets")
+            .apply()
+    }
+
+    /** Pocket-level hide flags (parallels [getHiddenBmlProfileIds]). Keyed by pocket ID. */
+    fun getHiddenMfaisaPocketIds(loginId: String): Set<String> =
+        prefs.getStringSet("mfaisa_${loginId}_hidden_pockets", emptySet()) ?: emptySet()
+
+    fun setHiddenMfaisaPocketIds(loginId: String, ids: Set<String>) =
+        prefs.edit().putStringSet("mfaisa_${loginId}_hidden_pockets", ids).apply()
+
+    // ── M-Faisa user profile (per loginId) ────────────────────────────────────
+
+    data class MfaisaUserProfile(
+        val name: String,
+        val email: String,
+        val mdnId: String,
+        val subscriberId: String,
+        val walletId: String,
+        val roleId: String,
+        val offerId: String
+    )
+
+    fun saveMfaisaUserProfile(loginId: String, p: MfaisaUserProfile) {
+        val json = org.json.JSONObject().apply {
+            put("name", p.name)
+            put("email", p.email)
+            put("mdnId", p.mdnId)
+            put("subscriberId", p.subscriberId)
+            put("walletId", p.walletId)
+            put("roleId", p.roleId)
+            put("offerId", p.offerId)
+        }.toString()
+        val key = getOrCreateKey()
+        prefs.edit().putString("mfaisa_${loginId}_enc_profile", encrypt(json, key)).apply()
+    }
+
+    fun loadMfaisaUserProfile(loginId: String): MfaisaUserProfile? {
+        val key = getOrCreateKey()
+        val enc = prefs.getString("mfaisa_${loginId}_enc_profile", null) ?: return null
+        return try {
+            val o = org.json.JSONObject(decrypt(enc, key))
+            MfaisaUserProfile(
+                name = o.optString("name"),
+                email = o.optString("email"),
+                mdnId = o.optString("mdnId"),
+                subscriberId = o.optString("subscriberId"),
+                walletId = o.optString("walletId"),
+                roleId = o.optString("roleId"),
+                offerId = o.optString("offerId")
+            )
+        } catch (_: Exception) { null }
+    }
+
     // ── Security credential (PIN / pattern hash) ──────────────────────────────
 
     /**

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

@@ -6,6 +6,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.mfaisa.MfaisaHistoryClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibHistoryClient
 import sh.sar.basedbank.api.models.BankTransaction
@@ -24,6 +25,8 @@ class HistoryFetcher(private val account: BankAccount) {
     private val isBmlCard get() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT"
     private val isBmlLoan get() = account.profileType == "BML_LOAN"
     private val isFahipay get() = account.bank == "FAHIPAY"
+    private val isMfaisa  get() = account.bank == "MFAISA"
+    private val isMfaisaPaypal get() = account.profileType == "MFAISA_PAYPAL"
 
     // MIB pagination
     private var mibNextStart  = 1
@@ -35,17 +38,39 @@ 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
     private var fahipayTotal     = -1
 
+    // M-Faisa pagination — the server doesn't return a "total" field, so we infer "more pages exist"
+    // from whether the last page was full-sized.
+    private var mfaisaNextPage = 1
+    private var mfaisaHasMore  = true
+
     fun hasMore(): Boolean = when {
-        isBmlLoan -> false
-        isFahipay -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-        isMib     -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
-        isBmlCard -> cardMonthOffset < 3
-        else      -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+        isBmlLoan      -> false
+        isMfaisaPaypal -> false  // PayPal pockets have no known history endpoint
+        isFahipay      -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+        isMib          -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+        isBmlCard      -> cardMonthOffset < 3
+        isMfaisa       -> mfaisaHasMore
+        else           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
     }
 
     suspend fun fetchNextPage(app: BasedBankApp, pageSize: Int = 10): List<BankTransaction> = when {
@@ -53,9 +78,36 @@ class HistoryFetcher(private val account: BankAccount) {
         isFahipay -> withContext(Dispatchers.IO) { fetchFahipay(app) }
         isMib     -> app.mibMutex.withLock { withContext(Dispatchers.IO) { fetchMib(app, pageSize) } }
         isBmlCard -> withContext(Dispatchers.IO) { fetchBmlCard(app) }
+        isMfaisa  -> withContext(Dispatchers.IO) { fetchMfaisa(app) }
         else      -> withContext(Dispatchers.IO) { fetchBmlCasa(app) }
     }
 
+    private fun fetchMfaisa(app: BasedBankApp): List<BankTransaction> {
+        val loginId = account.loginTag.removePrefix("mfaisa_")
+        var session = app.mfaisaSessionFor(account) ?: return emptyList()
+        val page = try {
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+            session = app.refreshMfaisaSession(loginId) ?: return emptyList()
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        }
+        mfaisaHasMore = page.hasMore
+        mfaisaNextPage++
+        return page.transactions
+    }
+
     private fun fetchFahipay(app: BasedBankApp): List<BankTransaction> {
         val session = app.fahipaySessionFor(account) ?: return emptyList()
         val (list, total) = FahipayHistoryClient().fetchHistory(
@@ -90,16 +142,22 @@ 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/ReceiptStore.kt

@@ -43,7 +43,12 @@ object ReceiptStore {
                         bmlFromName          = o.optString("bmlFromName"),
                         bmlReference         = o.optString("bmlReference"),
                         bmlTimestamp         = o.optString("bmlTimestamp"),
-                        bmlMessage           = o.optString("bmlMessage")
+                        bmlMessage           = o.optString("bmlMessage"),
+                        mfaisaTransactionType = o.optString("mfaisaTransactionType"),
+                        mfaisaFromName        = o.optString("mfaisaFromName"),
+                        mfaisaFromMsisdn      = o.optString("mfaisaFromMsisdn"),
+                        mfaisaToMsisdn        = o.optString("mfaisaToMsisdn"),
+                        mfaisaTimestamp       = o.optLong("mfaisaTimestamp", 0L)
                     ),
                     savedAt = o.optLong("savedAt", 0L)
                 )
@@ -75,6 +80,11 @@ object ReceiptStore {
                 put("bmlReference",          d.bmlReference)
                 put("bmlTimestamp",          d.bmlTimestamp)
                 put("bmlMessage",            d.bmlMessage)
+                put("mfaisaTransactionType", d.mfaisaTransactionType)
+                put("mfaisaFromName",        d.mfaisaFromName)
+                put("mfaisaFromMsisdn",      d.mfaisaFromMsisdn)
+                put("mfaisaToMsisdn",        d.mfaisaToMsisdn)
+                put("mfaisaTimestamp",       d.mfaisaTimestamp)
                 put("savedAt",               ts)
             })
             File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(arr.toString()))

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

@@ -10,7 +10,10 @@ data class RecentPick(
     val subtitle: String,
     val colorHex: String,
     val imageHash: String?,
-    val isProfileImage: Boolean
+    val isProfileImage: Boolean,
+    /** Source bank tag for the recent — e.g. "MFAISA". Used by the picker to decide
+     *  per-bank selectability. Null for legacy entries; treated as unspecified. */
+    val bank: String? = null
 )
 
 object RecentsCache {
@@ -34,6 +37,7 @@ object RecentsCache {
                 put("colorHex", r.colorHex)
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
+                if (r.bank != null) put("bank", r.bank)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -51,6 +55,7 @@ object RecentsCache {
                 put("colorHex", r.colorHex)
                 if (r.imageHash != null) put("imageHash", r.imageHash)
                 put("isProfileImage", r.isProfileImage)
+                if (r.bank != null) put("bank", r.bank)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -75,7 +80,8 @@ object RecentsCache {
                     subtitle = o.getString("subtitle"),
                     colorHex = o.getString("colorHex"),
                     imageHash = o.optString("imageHash").takeIf { it.isNotBlank() },
-                    isProfileImage = o.optBoolean("isProfileImage", false)
+                    isProfileImage = o.optBoolean("isProfileImage", false),
+                    bank = o.optString("bank").takeIf { it.isNotBlank() }
                 )
             }
         } catch (_: Exception) {

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/mfaisaapi/MfaisaAccountParser.kt

@@ -0,0 +1,14 @@
+package sh.sar.basedbank.util.mfaisaapi
+
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.util.AccountListDisplay
+
+object MfaisaAccountParser {
+
+    fun displayData(account: BankAccount) = AccountListDisplay(
+        name      = account.accountBriefName,
+        number    = account.accountNumber,
+        typeLabel = account.accountTypeName,
+        balance   = "${account.currencyName} ${account.availableBalance}"
+    )
+}

app/src/main/java/sh/sar/basedbank/util/mfaisaapi/MfaisaHistoryParser.kt

@@ -0,0 +1,17 @@
+package sh.sar.basedbank.util.mfaisaapi
+
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.util.AccountHistoryDisplay
+
+object MfaisaHistoryParser {
+
+    fun displayData(account: BankAccount) = AccountHistoryDisplay(
+        name             = account.accountBriefName,
+        number           = account.accountNumber,
+        bankPill         = if (account.profileType == "MFAISA_PAYPAL") "PP" else "MF",
+        typeLabel        = account.accountTypeName,
+        availableBalance = "${account.currencyName} ${account.availableBalance}",
+        workingBalance   = "${account.currencyName} ${account.currentBalance}",
+        blockedBalance   = null
+    )
+}

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/bg_mfaisa_receipt_gradient_bottom.xml

@@ -0,0 +1,9 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Gray-to-white vertical gradient at the bottom of the receipt, below the zigzag tear. -->
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <gradient
+        android:angle="90"
+        android:startColor="#FFFFFF"
+        android:endColor="#E5E6E7" />
+</shape>

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

@@ -0,0 +1,9 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- White-to-gray vertical gradient leading into the zigzag tear at the top of the receipt body. -->
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <gradient
+        android:angle="270"
+        android:startColor="#FFFFFF"
+        android:endColor="#E5E6E7" />
+</shape>

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_mfaisa_receipt_check.xml

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Green check-in-circle used on the m-faisaa receipt next to the total amount. -->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="25dp"
+    android:height="25dp"
+    android:viewportWidth="25"
+    android:viewportHeight="25">
+    <path
+        android:fillColor="#00000000"
+        android:pathData="M22.917,11.541V12.5C22.916,14.746 22.188,16.932 20.843,18.731C19.498,20.53 17.608,21.846 15.454,22.483C13.3,23.12 10.997,23.043 8.89,22.265C6.783,21.486 4.984,20.048 3.762,18.163C2.539,16.279 1.958,14.05 2.106,11.808C2.254,9.567 3.122,7.433 4.582,5.726C6.041,4.018 8.013,2.828 10.205,2.333C12.396,1.838 14.688,2.065 16.74,2.979M22.917,4.166L12.5,14.594L9.375,11.469"
+        android:strokeColor="#B0E020"
+        android:strokeWidth="1.8"
+        android:strokeLineCap="round"
+        android:strokeLineJoin="round" />
+</vector>

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

@@ -0,0 +1,24 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  M-Faisaa logo with text. Recolored from the decompiled original (white fill,
+  intended to be tinted by parent) to the brand red so it can be used directly.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="94dp"
+    android:height="123dp"
+    android:viewportWidth="94"
+    android:viewportHeight="123">
+    <group>
+        <clip-path android:pathData="M0.09,0h93.82v122.17h-93.82z" />
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+    </group>
+</vector>

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

@@ -0,0 +1,16 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="26dp"
+    android:viewportWidth="24"
+    android:viewportHeight="26">
+
+    <path
+        android:fillColor="#ED1C24"
+        android:pathData="M20.111 2.777c-1.766 0-3.174 1.437-3.174 3.195a3.18 3.18 0 0 0 3.174 3.194c1.766 0 3.174-1.437 3.174-3.194a3.168 3.168 0 0 0-3.174-3.195Z" />
+
+    <path
+        android:fillColor="#ED1C24"
+        android:fillType="evenOdd"
+        android:pathData="M18.286 16.175c0-4.912-3.968-8.885-8.829-8.885-4.88 0-8.849 3.993-8.849 8.885 0 4.912 3.968 8.885 8.849 8.885 4.88 0.02 8.829-3.973 8.829-8.885Zm-8.829 4.871c-2.678 0-4.841-2.196-4.841-4.871 0-2.696 2.182-4.872 4.841-4.872 2.678 0 4.84 2.196 4.84 4.872 0 2.695-2.162 4.871-4.84 4.871Z" />
+</vector>

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

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="124dp"
+    android:height="26dp"
+    android:viewportWidth="124"
+    android:viewportHeight="26">
+
+    <path
+        android:fillColor="#ED1C24"
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+
+    <path
+        android:fillColor="#ED1C24"
+        android:pathData="M18.372 16.155c0-4.912-3.968-8.885-8.829-8.885-4.88 0-8.849 3.993-8.849 8.885 0 4.912 3.968 8.885 8.849 8.885 4.88 0.02 8.829-3.973 8.829-8.885Zm-8.829 4.871c-2.678 0-4.841-2.196-4.841-4.871 0-2.696 2.182-4.872 4.841-4.872 2.678 0 4.84 2.196 4.84 4.872 0 2.695-2.162 4.871-4.84 4.871Z" />
+</vector>

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

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  Zigzag spike for the bottom edge of an m-faisa receipt body.
+  Teeth point downward into the gray footer gradient.
+  Drawn at a single color via tint in the layout.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="329dp"
+    android:height="34dp"
+    android:viewportWidth="329"
+    android:viewportHeight="34">
+    <path
+        android:fillColor="#FFFFFF"
+        android:pathData="M5.98,32.71L3.49,29.88C1.24,27.33 0,24.04 0,20.63L0,0.42L329,0.42L329,20.63C329,24.04 327.76,27.33 325.51,29.88L323.02,32.71C322.23,33.61 320.82,33.61 320.02,32.71L315.55,27.62C314.75,26.72 313.34,26.72 312.54,27.62L308.07,32.71C307.27,33.61 305.86,33.61 305.07,32.71L300.59,27.62C299.8,26.72 298.39,26.72 297.59,27.62L293.11,32.71C292.32,33.61 290.91,33.61 290.11,32.71L285.64,27.62C284.84,26.72 283.43,26.72 282.64,27.62L278.16,32.71C277.36,33.61 275.95,33.61 275.16,32.71L270.68,27.62C269.89,26.72 268.48,26.72 267.68,27.62L263.21,32.71C262.41,33.61 261,33.61 260.2,32.71L255.73,27.62C254.93,26.72 253.52,26.72 252.73,27.62L248.25,32.71C247.46,33.61 246.04,33.61 245.25,32.71L240.77,27.62C239.98,26.72 238.57,26.72 237.77,27.62L233.3,32.71C232.5,33.61 231.09,33.61 230.29,32.71L225.82,27.62C225.02,26.72 223.61,26.72 222.82,27.62L218.34,32.71C217.55,33.61 216.14,33.61 215.34,32.71L210.87,27.62C210.07,26.72 208.66,26.72 207.86,27.62L203.39,32.71C202.59,33.61 201.18,33.61 200.38,32.71L195.91,27.62C195.11,26.72 193.7,26.72 192.91,27.62L188.43,32.71C187.64,33.61 186.23,33.61 185.43,32.71L180.96,27.62C180.16,26.72 178.75,26.72 177.95,27.62L173.48,32.71C172.68,33.61 171.27,33.61 170.48,32.71L166,27.62C165.21,26.72 163.79,26.72 163,27.62L158.52,32.71C157.73,33.61 156.32,33.61 155.52,32.71L151.05,27.62C150.25,26.72 148.84,26.72 148.04,27.62L143.57,32.71C142.77,33.61 141.36,33.61 140.57,32.71L136.09,27.62C135.3,26.72 133.89,26.72 133.09,27.62L128.62,32.71C127.82,33.61 126.41,33.61 125.61,32.71L121.14,27.62C120.34,26.72 118.93,26.72 118.14,27.62L113.66,32.71C112.86,33.61 111.45,33.61 110.66,32.71L106.18,27.62C105.39,26.72 103.98,26.72 103.18,27.62L98.71,32.71C97.91,33.61 96.5,33.61 95.7,32.71L91.23,27.62C90.43,26.72 89.02,26.72 88.23,27.62L83.75,32.71C82.96,33.61 81.54,33.61 80.75,32.71L76.27,27.62C75.48,26.72 74.07,26.72 73.27,27.62L68.8,32.71C68,33.61 66.59,33.61 65.79,32.71L61.32,27.62C60.52,26.72 59.11,26.72 58.32,27.62L53.84,32.71C53.05,33.61 51.64,33.61 50.84,32.71L46.37,27.62C45.57,26.72 44.16,26.72 43.36,27.62L38.89,32.71C38.09,33.61 36.68,33.61 35.88,32.71L31.41,27.62C30.61,26.72 29.2,26.72 28.41,27.62L23.93,32.71C23.14,33.61 21.73,33.61 20.93,32.71L16.46,27.62C15.66,26.72 14.25,26.72 13.45,27.62L8.98,32.71C8.18,33.61 6.77,33.61 5.98,32.71Z" />
+</vector>

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

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!--
+  Zigzag spike for the top edge of an m-faisa receipt body.
+  Teeth point upward into the gray header gradient.
+  Drawn at a single color via tint in the layout.
+-->
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="329dp"
+    android:height="33dp"
+    android:viewportWidth="329"
+    android:viewportHeight="33">
+    <path
+        android:fillColor="#FFFFFF"
+        android:pathData="M323.02,0.71L325.51,3.53C327.76,6.09 329,9.38 329,12.78L329,33L0,33L0,12.78C0,9.38 1.24,6.09 3.49,3.53L5.98,0.71C6.77,-0.2 8.18,-0.2 8.98,0.71L13.45,5.79C14.25,6.7 15.66,6.7 16.46,5.79L20.93,0.71C21.73,-0.2 23.14,-0.2 23.93,0.71L28.41,5.79C29.2,6.7 30.61,6.7 31.41,5.79L35.88,0.71C36.68,-0.2 38.09,-0.2 38.89,0.71L43.36,5.79C44.16,6.7 45.57,6.7 46.37,5.79L50.84,0.71C51.64,-0.2 53.05,-0.2 53.84,0.71L58.32,5.79C59.11,6.7 60.52,6.7 61.32,5.79L65.79,0.71C66.59,-0.2 68,-0.2 68.8,0.71L73.27,5.79C74.07,6.7 75.48,6.7 76.27,5.79L80.75,0.71C81.54,-0.2 82.96,-0.2 83.75,0.71L88.23,5.79C89.02,6.7 90.43,6.7 91.23,5.79L95.7,0.71C96.5,-0.2 97.91,-0.2 98.71,0.71L103.18,5.79C103.98,6.7 105.39,6.7 106.18,5.79L110.66,0.71C111.45,-0.2 112.86,-0.2 113.66,0.71L118.14,5.79C118.93,6.7 120.34,6.7 121.14,5.79L125.61,0.71C126.41,-0.2 127.82,-0.2 128.62,0.71L133.09,5.79C133.89,6.7 135.3,6.7 136.09,5.79L140.57,0.71C141.36,-0.2 142.77,-0.2 143.57,0.71L148.04,5.79C148.84,6.7 150.25,6.7 151.05,5.79L155.52,0.71C156.32,-0.2 157.73,-0.2 158.52,0.71L163,5.79C163.79,6.7 165.21,6.7 166,5.79L170.48,0.71C171.27,-0.2 172.68,-0.2 173.48,0.71L177.95,5.79C178.75,6.7 180.16,6.7 180.96,5.79L185.43,0.71C186.23,-0.2 187.64,-0.2 188.43,0.71L192.91,5.79C193.7,6.7 195.11,6.7 195.91,5.79L200.38,0.71C201.18,-0.2 202.59,-0.2 203.39,0.71L207.86,5.79C208.66,6.7 210.07,6.7 210.87,5.79L215.34,0.71C216.14,-0.2 217.55,-0.2 218.34,0.71L222.82,5.79C223.61,6.7 225.02,6.7 225.82,5.79L230.29,0.71C231.09,-0.2 232.5,-0.2 233.3,0.71L237.77,5.79C238.57,6.7 239.98,6.7 240.77,5.79L245.25,0.71C246.04,-0.2 247.46,-0.2 248.25,0.71L252.73,5.79C253.52,6.7 254.93,6.7 255.73,5.79L260.2,0.71C261,-0.2 262.41,-0.2 263.21,0.71L267.68,5.79C268.48,6.7 269.89,6.7 270.68,5.79L275.16,0.71C275.95,-0.2 277.36,-0.2 278.16,0.71L282.64,5.79C283.43,6.7 284.84,6.7 285.64,5.79L290.11,0.71C290.91,-0.2 292.32,-0.2 293.11,0.71L297.59,5.79C298.39,6.7 299.8,6.7 300.59,5.79L305.07,0.71C305.86,-0.2 307.27,-0.2 308.07,0.71L312.54,5.79C313.34,6.7 314.75,6.7 315.55,5.79L320.02,0.71C320.82,-0.2 322.23,-0.2 323.02,0.71Z" />
+</vector>

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

@@ -117,6 +117,50 @@
             </LinearLayout>
         </com.google.android.material.card.MaterialCardView>
 
+        <!-- Ooredoo M-Faisa Card -->
+        <com.google.android.material.card.MaterialCardView
+            android:id="@+id/cardOoredoo"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="16dp"
+            android:clickable="true"
+            android:focusable="true"
+            app:cardCornerRadius="16dp"
+            app:strokeWidth="1dp"
+            app:strokeColor="?attr/colorOutline">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:padding="20dp">
+
+                <ImageView
+                    android:layout_width="124dp"
+                    android:layout_height="26dp"
+                    android:src="@drawable/ooredoo_logo_long"
+                    android:contentDescription="@string/ooredoo_name"
+                    android:scaleType="fitStart"
+                    android:layout_marginBottom="12dp" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/ooredoo_name"
+                    android:textAppearance="?attr/textAppearanceTitleMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/ooredoo_desc"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant"
+                    android:layout_marginTop="4dp" />
+
+            </LinearLayout>
+        </com.google.android.material.card.MaterialCardView>
+
         <!-- Fahipay Card -->
         <com.google.android.material.card.MaterialCardView
             android:id="@+id/cardFahipay"

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

@@ -58,6 +58,7 @@
         </com.google.android.material.textfield.TextInputLayout>
 
         <com.google.android.material.textfield.TextInputLayout
+            android:id="@+id/tilPassword"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:hint="@string/password"
@@ -73,22 +74,42 @@
                 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_mfaisa.xml

@@ -0,0 +1,393 @@
+<?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:layout_width="match_parent"
+    android:layout_height="match_parent"
+    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                                              -->
+        <!-- ════════════════════════════════════════════════════════════════════ -->
+        <LinearLayout
+            android:id="@+id/receiptCard"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:background="#FFFFFF">
+
+            <!-- Top: m-faisaa logo on white -->
+            <ImageView
+                android:layout_width="78dp"
+                android:layout_height="102dp"
+                android:layout_gravity="center_horizontal"
+                android:layout_marginTop="42dp"
+                android:src="@drawable/mfaisaa_logo_with_text"
+                android:contentDescription="@null" />
+
+            <!-- White→gray fade leading into the top zigzag tear -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="38dp"
+                android:layout_marginTop="22dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_top" />
+
+            <!-- Top zigzag tear: white teeth poking up into the gray fade above -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_top"
+                android:contentDescription="@null" />
+
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <!-- Receipt body                                                     -->
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:background="#FFFFFF"
+                android:paddingHorizontal="24dp"
+                android:paddingTop="40dp"
+                android:paddingBottom="32dp">
+
+                <!-- Total amount row with green check -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="horizontal"
+                    android:gravity="center_vertical">
+
+                    <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="Total Amount"
+                            android:textSize="13sp"
+                            android:textStyle="bold"
+                            android:textColor="#7A7A7A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                        <TextView
+                            android:id="@+id/tvAmount"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:layout_marginTop="4dp"
+                            android:textSize="30sp"
+                            android:textStyle="bold"
+                            android:textColor="#A2D40A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                    </LinearLayout>
+
+                    <ImageView
+                        android:layout_width="28dp"
+                        android:layout_height="28dp"
+                        android:src="@drawable/ic_mfaisa_receipt_check"
+                        android:contentDescription="@null" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:layout_marginTop="20dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Status -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Status"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvStatus"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:text="Success"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Transaction type -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Transaction type"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvTransactionType"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- From -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="From"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- To -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="To"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Date & Time -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Date &amp; Time"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvDateTime"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <!-- Remarks (hidden when empty) -->
+                <View
+                    android:id="@+id/remarksDivider"
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA"
+                    android:visibility="gone" />
+
+                <LinearLayout
+                    android:id="@+id/remarksRow"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp"
+                    android:visibility="gone">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Remarks"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvRemarks"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+            </LinearLayout>
+
+            <!-- Bottom zigzag tear: white teeth poking down into the gray fade below -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_bottom"
+                android:contentDescription="@null" />
+
+            <!-- Gray→white fade trailing the bottom zigzag -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="40dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_bottom" />
+
+        </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"
+        android:background="?attr/colorSurface"
+        android:paddingHorizontal="12dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="12dp">
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnShare"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginEnd="4dp"
+            android:text="Share"
+            app:icon="@drawable/ic_share" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSave"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginHorizontal="4dp"
+            android:text="Save"
+            app:icon="@drawable/ic_save" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnDone"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginStart="4dp"
+            android:text="Done" />
+
+    </LinearLayout>
+
+</LinearLayout>