release version 1.0.16

.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="2026-06-03T08:28:30.389803148Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="PhysicalDevice" identifier="serial=4254e2f" />
+              <DeviceId pluginId="Default" identifier="serial=10.0.1.245:5555;connection=d182cf37" />
             </handle>
           </Target>
         </DropdownSelection>

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 14
-        versionName = "1.0.15"
+        versionCode = 15
+        versionName = "1.0.16"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }

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 +8,7 @@
     <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-feature android:name="android.hardware.nfc.hce" android:required="false" />
 

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

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

@@ -153,6 +153,46 @@ class BmlHistoryClient {
         } catch (_: Exception) { emptyList() }
     }
 
+    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()
+        if (code in 500..599) throw BankServerException("BML")
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return emptyList()
+            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"
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
     // "12-05-2026 041675" → first 4 digits of time part as HH:mm
     private fun parsePurchaseNarrative1(narrative1: String): String? {
         return try {

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/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")
+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 = 30
+    ): 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/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 +69,19 @@ 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>) {
+        pendingItems.clear()
+        if (transactions.isNotEmpty()) {
+            pendingItems.add(Item.DateHeader("Pending"))
+            for (trx in transactions) pendingItems.add(Item.Trx(trx, showDate = true))
+        }
+        notifyDataSetChanged()
+    }
+
     private var _showLoadingFooter = false
     var showLoadingFooter: Boolean
         get() = _showLoadingFooter
@@ -127,18 +139,24 @@ 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 +175,11 @@ 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 +224,7 @@ 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 +260,7 @@ 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 +307,7 @@ 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 +329,11 @@ 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
@@ -138,6 +139,7 @@ class AccountHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPage()
+        loadPendingTransactions()
 
         binding.swipeRefresh.setOnRefreshListener {
             if (isLoading) {
@@ -184,6 +186,7 @@ class AccountHistoryFragment : Fragment() {
             binding.emptyView.visibility = View.GONE
         }
         loadNextPage()
+        loadPendingTransactions()
     }
 
     private fun loadNextPage() {
@@ -250,6 +253,26 @@ 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/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

@@ -4,10 +4,13 @@ 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
@@ -16,6 +19,8 @@ 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
@@ -68,8 +73,9 @@ class CircularNavFragment : Fragment() {
             accentColor   = colorPrimary
             surfaceColor  = colorSurface
             labelColor    = colorOnSurface
-            onItemClick   = { navId -> (activity as? HomeActivity)?.navigateTo(navId) }
-            onCenterClick = { (activity as? HomeActivity)?.lockApp() }
+            onItemClick          = { navId -> (activity as? HomeActivity)?.navigateTo(navId) }
+            onCenterClick        = { /* unused: tap on unlocked center locks the wheel */ }
+            onWheelCenterLockedTap = { (activity as? HomeActivity)?.notifyWheelLockTap() }
         }
         wheelContainer.addView(wheelView)
 
@@ -86,6 +92,14 @@ class CircularNavFragment : Fragment() {
 
         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
     }
 
@@ -123,6 +137,10 @@ class CircularNavFragment : Fragment() {
         toolbar.findViewWithTag<android.view.View>("wheel_title")?.let { toolbar.removeView(it) }
         requireActivity().invalidateOptionsMenu()
     }
+
+    fun unlockWheelLock() {
+        wheelView?.unlockWheel()
+    }
 }
 
 // ---------------------------------------------------------------------------
@@ -159,8 +177,12 @@ class CircularWheelView @JvmOverloads constructor(
     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 ---------------------------------------------------------
 
@@ -185,6 +207,10 @@ class CircularWheelView @JvmOverloads constructor(
 
     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 ----------------------------------------------------
 
@@ -234,7 +260,8 @@ class CircularWheelView @JvmOverloads constructor(
             iconBitmaps[i] = tintedBitmap(item.iconRes, accentColor, iconPx)
         }
         val centerPx = (innerRadius * 0.64f).toInt().coerceAtLeast(1)
-        centerBitmap = tintedBitmap(R.drawable.ic_lock, accentColor, centerPx)
+        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? {
@@ -294,8 +321,13 @@ class CircularWheelView @JvmOverloads constructor(
         canvas.drawCircle(cx, cy, innerRadius + dp(3f), centerRingPaint)
         centerFillPaint.color = surfaceColor
         canvas.drawCircle(cx, cy, innerRadius, centerFillPaint)
-        centerBitmap?.let {
+        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()
         }
     }
 
@@ -306,24 +338,41 @@ class CircularWheelView @JvmOverloads constructor(
 
         val iconX = cx + cosA * (outerRadius * 0.63f)
         val iconY = cy + sinA * (outerRadius * 0.63f)
-        val textX = cx + cosA * (outerRadius * 0.84f)
-        val textY = cy + sinA * (outerRadius * 0.84f)
 
         // 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()
         }
 
-        // Label — same radial rotation
-        textPaint.color = labelColor
+        // 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.drawText(items[index].label, 0f, textPaint.textSize * 0.36f, textPaint)
+        canvas.drawTextOnPath(label, arcPath, 0f, textPaint.textSize * 0.36f, textPaint)
         canvas.restore()
     }
 
@@ -358,18 +407,38 @@ class CircularWheelView @JvmOverloads constructor(
                     invalidate()
                 }
             }
-            MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+            MotionEvent.ACTION_UP -> {
                 if (!isDragging) {
                     val dist = hypot(event.x - cx, event.y - cy)
                     when {
-                        dist <= innerRadius -> onCenterClick?.invoke()
+                        dist <= innerRadius -> {
+                            if (isWheelLocked) {
+                                onWheelCenterLockedTap?.invoke()
+                            } else {
+                                isWheelLocked = true
+                            }
+                        }
                         dist <= outerRadius -> {
-                            val idx = segmentAt(event.x, event.y)
-                            if (idx in items.indices) animateToSixOClock(idx) { onItemClick?.invoke(items[idx].navId) }
+                            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()   // degrees per millisecond
+                    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()
                 }
             }
@@ -464,4 +533,29 @@ class CircularWheelView @JvmOverloads constructor(
             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/DashboardFragment.kt

@@ -99,11 +99,11 @@ 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()

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

@@ -77,6 +77,7 @@ class HomeActivity : AppCompatActivity() {
     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())
@@ -90,6 +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
@@ -101,6 +106,19 @@ class HomeActivity : AppCompatActivity() {
 
     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(
@@ -286,6 +304,7 @@ class HomeActivity : AppCompatActivity() {
                 if (navMode == NavCustomization.NAV_MODE_CIRCULAR) {
                     if (supportFragmentManager.backStackEntryCount > 0) {
                         supportFragmentManager.popBackStack()
+                        navBackStack.removeLastOrNull()?.let { updateNavSelection(it) }
                         return
                     }
                     if (currentFrag is CircularNavFragment) {
@@ -306,6 +325,7 @@ class HomeActivity : AppCompatActivity() {
                 // 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
@@ -365,6 +385,20 @@ 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)
         when (NavCustomization.getNavMode(prefs)) {
@@ -447,17 +481,7 @@ fun applyNavLabelVisibility() {
             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) {
@@ -491,6 +515,12 @@ 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)
@@ -520,6 +550,11 @@ fun applyNavLabelVisibility() {
             pauseTime = 0L
             resetAutolockTimer()
             autoRefresh(CredentialStore(this))
+            if (pendingWheelUnlock) {
+                pendingWheelUnlock = false
+                (supportFragmentManager.findFragmentById(R.id.contentFrame) as? CircularNavFragment)
+                    ?.unlockWheelLock()
+            }
             return
         }
         // If we were away long enough to have hit the autolock timeout (e.g. while
@@ -602,6 +637,8 @@ 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
     }
 
@@ -609,6 +646,7 @@ fun applyNavLabelVisibility() {
         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)
     }
 
@@ -624,6 +662,10 @@ fun applyNavLabelVisibility() {
             }
             return true
         }
+        if (item.itemId == R.id.action_notifications) {
+            openNotificationsSheet()
+            return true
+        }
         if (item.itemId == R.id.action_hide_amounts) {
             val newHidden = !(viewModel.hideAmounts.value ?: false)
             viewModel.hideAmounts.value = newHidden
@@ -637,6 +679,16 @@ fun applyNavLabelVisibility() {
         return super.onOptionsItemSelected(item)
     }
 
+    fun setNotificationUnread(hasUnread: Boolean) {
+        hasUnreadNotifications = hasUnread
+        notifMenuItem?.setIcon(if (hasUnread) R.drawable.ic_bell else R.drawable.ic_bell_read)
+    }
+
+    private fun openNotificationsSheet() {
+        val sheet = NotificationsSheetFragment()
+        sheet.onUnreadCountChanged = { hasUnread -> setNotificationUnread(hasUnread) }
+        sheet.show(supportFragmentManager, "notifications")
+    }
 
     fun relogin() {
         val store = CredentialStore(this)

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

@@ -0,0 +1,568 @@
+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.TextView
+import android.widget.Toast
+import androidx.core.view.isVisible
+import androidx.lifecycle.lifecycleScope
+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
+}
+
+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 refreshFromNetwork() {
+        val bmlSessions = app.bmlSessions.toMap()
+        val mibSessions = app.mibSessions.toMap()
+
+        lifecycleScope.launch {
+            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 result = withContext(Dispatchers.IO) {
+                    mibClient.fetchUntilEnough(session, loginId)
+                }
+                if (result.items.isNotEmpty() && isAdded) {
+                    val readIds = NotificationsCache.getMibReadIds(requireContext())
+                    val resolved = result.items.map { it.copy(isRead = it.id in readIds) }
+                    allNotifications.removeAll { it.bank == "MIB" && it.loginId == loginId }
+                    allNotifications.addAll(resolved)
+                    allNotifications.sortByDescending { it.timestampMs }
+                    mibNextStart[loginId] = result.nextStart
+                    mibDone[loginId] = result.nextStart > result.totalCount
+                    NotificationsCache.saveMib(requireContext(), loginId, result.items)
+                    refreshAdapters()
+                    broadcastUnread()
+                }
+            }
+        }
+    }
+
+    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
+        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
+                val start = mibNextStart[loginId] ?: 1
+                val result = withContext(Dispatchers.IO) {
+                    mibClient.fetchActivity(session, loginId, start, start + 29)
+                }
+                if (result.items.isNotEmpty() && isAdded) {
+                    val readIds = NotificationsCache.getMibReadIds(requireContext())
+                    val resolved = result.items.map { it.copy(isRead = it.id in readIds) }
+                    allNotifications.addAll(resolved.filter { n -> allNotifications.none { it.id == n.id } })
+                    allNotifications.sortByDescending { it.timestampMs }
+                    mibNextStart[loginId] = result.nextStart
+                    mibDone[loginId] = result.nextStart > result.totalCount
+                    val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
+                    NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                }
+            }
+
+            isLoadingMore = false
+            if (isAdded) 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>()
+
+        fun update(filtered: List<AppNotification>) {
+            displayItems.clear()
+            displayItems.addAll(toGroupedList(filtered))
+            notifyDataSetChanged()
+        }
+
+        override fun getItemCount() = if (displayItems.isEmpty()) 1 else displayItems.size
+
+        override fun getItemViewType(position: Int): Int {
+            if (displayItems.isEmpty()) return 2 // empty
+            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))
+                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
+                })
+            }
+        }
+
+        // ── 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

@@ -510,15 +510,37 @@ 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 +551,7 @@ 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 +683,10 @@ 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()
+                    }
                 }
             }
         }

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/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
@@ -48,6 +51,14 @@ 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 currentMode = NavCustomization.getNavMode(prefs)
@@ -125,6 +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
@@ -134,6 +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
@@ -148,7 +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

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
 
@@ -32,6 +34,14 @@ class SettingsFragment : Fragment() {
         inflater.inflate(R.layout.fragment_settings, container, false)
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (view as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
         val list = view.findViewById<LinearLayout>(R.id.settingsList)
         val inflater = LayoutInflater.from(requireContext())
         for (item in items) {

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

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

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

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

app/src/main/java/sh/sar/basedbank/ui/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/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/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/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 (white) -->
+    <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"/>
+
+    <!-- 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_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_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/layout/fragment_onboarding_configure.xml

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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