release version 1.0.9

Reviewed-on: #4

.build/release/compose.yml

@@ -1,11 +1,9 @@
 services:
    release:
-#      image: git.shihaam.dev/dockerfiles/android-builder
       image: git.shihaam.dev/dockerfiles/runners/gradle
-      hostname: isodroid
       network_mode: host
       env_file: .env
       volumes:
         - ./release:/release
         - ../../:/source
-#        - /root/.cache/cache-runners/gradle:/root/.gradle
+        - /root/.cache/cache-runners/gradle:/root/.gradle

.idea/deploymentTargetSelector.xml

@@ -4,10 +4,10 @@
     <selectionStates>
       <SelectionState runConfigName="app">
         <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-05-18T20:24:18.550107339Z">
+        <DropdownSelection timestamp="2026-05-22T00:11:32.873305232Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="Default" identifier="serial=10.0.1.239:5555;connection=ce61d84c" />
+              <DeviceId pluginId="PhysicalDevice" identifier="serial=683a9830" />
             </handle>
           </Target>
         </DropdownSelection>
@@ -15,7 +15,7 @@
           <targets>
             <Target type="DEFAULT_BOOT">
               <handle>
-                <DeviceId pluginId="Default" identifier="serial=10.0.1.239:5555;connection=ce61d84c" />
+                <DeviceId pluginId="Default" identifier="serial=10.0.1.239:5555;connection=67d022c2" />
               </handle>
             </Target>
             <Target type="DEFAULT_BOOT">

.idea/markdown.xml

@@ -0,0 +1,8 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<project version="4">
+  <component name="MarkdownSettings">
+    <option name="previewPanelProviderInfo">
+      <ProviderInfo name="Compose (experimental)" className="com.intellij.markdown.compose.preview.ComposePanelProvider" />
+    </option>
+  </component>
+</project>

README.md

@@ -1,6 +1,6 @@
-# BasedBank
+# Thijooree
 
-A unified Android banking app for Maldivians that combines MIB (Faisanet), BML (Bank of Maldives), and Fahipay into a single interface — with no analytics, no tracking, and no phone-home behaviour outside the banks themselves.
+A native Android client for Maldivian banking services. It is a pure client: requests go directly from your device to the banks' own servers using the same protocols as their official apps. No proxy, no backend, no middleman.
 
 [![AI Slop Inside](https://sladge.net/badge.svg)](https://sladge.net)
 [![License: GPL v3](https://img.shields.io/badge/License-GPLv3-blue.svg)](LICENSE)
@@ -8,60 +8,14 @@ A unified Android banking app for Maldivians that combines MIB (Faisanet), BML (
 ![Jetpack Compose](https://img.shields.io/badge/Jetpack%20Compose-4285F4?logo=jetpackcompose&logoColor=white)
 ![Maintained](https://img.shields.io/badge/Maintained-yes-green.svg)
 
-## What it does
-
-- **Multi-bank dashboard** — view balances across all your MIB, BML, and Fahipay accounts in one place, with a combined MVR and USD total
-- **Transaction history** — paginated, searchable transaction history per account for MIB CASA, BML CASA, BML prepaid cards, and Fahipay wallet
-- **Transfers** — send money between accounts and to saved contacts; supports MIB-to-MIB, BML-to-BML, and cross-bank (MIB↔BML via FAVARA)
-- **Contacts** — manage saved beneficiaries across all banks; validates Dhiraagu and Ooredoo numbers and shows the account owner name before you add
-- **Fahipay** — full wallet support including balance, history with merchant icons, and Fahipay favourites (Raastas, Reload, Ooredoo Bill, Dhiraagu Bill)
-- **QR payments** — scan PayMV QR codes to pre-fill transfers
-- **BML foreign limits** — view your foreign currency spending allowances and breakdowns by ATM / POS / ECOM
-- **MIB financing** — view active financing deals
-
-## Authentication
-
-The app requires your existing credentials for each bank — the same username/password/OTP seed you use with the official apps. It stores them encrypted using AES-256-GCM backed by the Android Keystore (hardware secure enclave).
-
-Each bank's 2FA uses TOTP, so you need to have your OTP seed (the same secret used by your authenticator app).
-
-## Security
-
-- All credentials encrypted at rest with **AES-256-GCM** (Android Keystore)
-- Lock screen protected by **PBKDF2-HMAC-SHA256** (100,000 iterations) with optional biometric unlock
-- **FLAG_SECURE** on by default — content hidden in app switcher and screenshots blocked
-- All sensitive data excluded from Android cloud backup
-- Zero analytics, crash reporters, or third-party SDKs — network traffic goes only to MIB, BML, Fahipay, and the Maldivian telecoms for number validation
-
-See [`docs/AI_SECURITY_CHECK.md`](docs/AI_SECURITY_CHECK.md) for the full security audit.
-
-## Supported banks
-
-| Bank | Login | Accounts | History | Transfers | Contacts |
-|---|---|---|---|---|---|
-| MIB (Faisanet) | username + password + TOTP | ✓ | ✓ | ✓ | ✓ |
-| BML (Bank of Maldives) | username + password + TOTP | ✓ | ✓ | ✓ | ✓ |
-| Fahipay | national ID + password + TOTP | ✓ | ✓ | — | ✓ (favourites) |
-
 ## Requirements
 
 - Android 8.0+ (API 26)
 - Existing accounts with MIB, BML, or Fahipay
 - Your TOTP seed (base32 secret from your authenticator app setup) for each bank
 
-## Building
-
-Open in Android Studio and run. No API keys or secrets required — all protocol constants are derived from the official apps and are included in the source.
-
-The release signing config reads from environment variables (`KEYSTORE_PASSWORD`, `KEY_ALIAS`, `KEY_PASSWORD`).
-
-## How it works
-
-BasedBank talks directly to each bank's existing mobile API using the same protocol as their official apps, reverse-engineered from the APKs. It does not use any intermediary server — requests go straight from your device to the bank.
-
-- **MIB**: Blowfish/ECB encrypted JSON over HTTPS with a Diffie-Hellman session key exchange
-- **BML**: PKCE OAuth 2.0 flow via the BML web login, exchanged for a Bearer token used on the mobile API
-- **Fahipay**: multipart form login with TOTP, session maintained via `__Secure-sess` cookie and `authid` header
+## Download
+[Download latest APK](https://git.shihaam.dev/shihaam/ISODroid/releases/latest)
 
 ## Privacy
 
@@ -70,3 +24,8 @@ No data ever leaves your device except the API calls to the banking services the
 ## Disclaimer
 
 This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by MIB, BML, or Fahipay. Use at your own risk. Review the source code before entering your banking credentials.
+
+
+## License
+
+GNU General Public License v3.0 - See [LICENSE](LICENSE) file for details

app/build.gradle.kts

@@ -11,8 +11,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 3
-        versionName = "1.0.4"
+        versionCode = 8
+        versionName = "1.0.9"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }
@@ -73,6 +73,9 @@ dependencies {
     // Coroutines
     implementation("org.jetbrains.kotlinx:kotlinx-coroutines-android:1.7.3")
 
+    // ZXing core for QR code generation
+    implementation("com.google.zxing:core:3.5.3")
+
     // QR scanning — CameraX + zxing-cpp (MIT, same stack as BinaryEye)
     implementation("androidx.camera:camera-core:1.4.2")
     implementation("androidx.camera:camera-camera2:1.4.2")

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

@@ -4,9 +4,11 @@ import android.app.Application
 import androidx.appcompat.app.AppCompatDelegate
 import com.google.android.material.color.DynamicColors
 import kotlinx.coroutines.sync.Mutex
+import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
 import sh.sar.basedbank.api.fahipay.FahipaySession
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibSession
@@ -15,22 +17,34 @@ import sh.sar.basedbank.util.CredentialStore
 class BasedBankApp : Application() {
 
     // Held in memory after successful login; cleared on logout
-    var accounts: List<MibAccount> = emptyList()
+    var accounts: List<BankAccount> = emptyList()
     var fullName: String = ""
+
     /** Active MIB sessions keyed by loginId (= MIB username). */
     val mibSessions: MutableMap<String, MibSession> = mutableMapOf()
     val mibProfilesMap: MutableMap<String, List<MibProfile>> = mutableMapOf()
     val mibLoginFlows: MutableMap<String, MibLoginFlow> = mutableMapOf()
-    var mibAccounts: List<MibAccount> = emptyList()
-    /** Active BML sessions keyed by loginId (= BML username). */
+    var mibAccounts: List<BankAccount> = emptyList()
+
+    /**
+     * Active BML sessions keyed by profileId (a globally unique GUID per BML profile).
+     * Use [bmlSessionFor] to look up the session for an account.
+     */
     val bmlSessions: MutableMap<String, BmlSession> = mutableMapOf()
-    var bmlAccounts: List<MibAccount> = emptyList()
+    /** BML profiles per loginId (= BML username). */
+    val bmlProfilesMap: MutableMap<String, List<BmlProfile>> = mutableMapOf()
+    /** BML login flows per loginId — hold the web session (cookies) needed for profile activation. */
+    val bmlLoginFlows: MutableMap<String, BmlLoginFlow> = mutableMapOf()
+    var bmlAccounts: List<BankAccount> = emptyList()
+
     /** Active Fahipay sessions keyed by loginId (= profileId). */
     val fahipaySessions: MutableMap<String, FahipaySession> = mutableMapOf()
-    var fahipayAccounts: List<MibAccount> = emptyList()
+    var fahipayAccounts: List<BankAccount> = emptyList()
+
+    // ─── MIB helpers ──────────────────────────────────────────────────────────
 
     /** Returns the MIB session for the given account (matched via loginTag). */
-    fun mibSessionFor(account: MibAccount): MibSession? =
+    fun mibSessionFor(account: BankAccount): MibSession? =
         mibSessions[account.loginTag.removePrefix("mib_")]
 
     /** Returns any available MIB session. */
@@ -53,15 +67,40 @@ class BasedBankApp : Application() {
     /** Returns any available MibLoginFlow. */
     fun anyMibFlow(): MibLoginFlow? = mibLoginFlows.values.firstOrNull()
 
-    /** Returns the BML session for the given account (matched via loginTag). */
-    fun bmlSessionFor(account: MibAccount): BmlSession? =
-        bmlSessions[account.loginTag.removePrefix("bml_")]
+    // ─── BML helpers ──────────────────────────────────────────────────────────
+
+    /**
+     * Returns the BML session for the given account.
+     * Looks up by profileId first (multi-profile), falls back to loginId (legacy single-profile).
+     */
+    fun bmlSessionFor(account: BankAccount): BmlSession? {
+        val byProfile = if (account.profileId.isNotBlank()) bmlSessions[account.profileId] else null
+        return byProfile ?: bmlSessions[account.loginTag.removePrefix("bml_")]
+    }
 
     /** Returns any available BML session (for non-account-specific operations). */
     fun anyBmlSession(): BmlSession? = bmlSessions.values.firstOrNull()
 
+    /**
+     * Returns any active BML session for the given loginId.
+     * Tries all profiles for that login; falls back to legacy loginId key.
+     */
+    fun anyBmlSessionFor(loginId: String): BmlSession? {
+        val profiles = bmlProfilesMap[loginId]
+        if (!profiles.isNullOrEmpty()) {
+            return profiles.firstNotNullOfOrNull { bmlSessions[it.profileId] }
+        }
+        return bmlSessions[loginId]
+    }
+
+    /** Returns the BmlLoginFlow for a given loginId, creating and caching it if needed. */
+    fun bmlFlowFor(loginId: String): BmlLoginFlow =
+        bmlLoginFlows.getOrPut(loginId) { BmlLoginFlow() }
+
+    // ─── Fahipay helpers ──────────────────────────────────────────────────────
+
     /** Returns the Fahipay session for the given account (matched via loginTag = "fahipay_${profileId}"). */
-    fun fahipaySessionFor(account: MibAccount): FahipaySession? =
+    fun fahipaySessionFor(account: BankAccount): FahipaySession? =
         fahipaySessions[account.loginTag.removePrefix("fahipay_")]
 
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */

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

@@ -32,6 +32,8 @@ class LockActivity : AppCompatActivity() {
     private lateinit var salt: String
     private lateinit var storedHash: String
     private var biometricsEnabled = false
+    private var autoUnlockPin = false
+    private var pinLength = 4
     private var isVerifying = false
 
     private val lockPrefs get() = getSharedPreferences("lock_attempts", MODE_PRIVATE)
@@ -61,6 +63,8 @@ class LockActivity : AppCompatActivity() {
         val prefs = getSharedPreferences("prefs", MODE_PRIVATE)
         method = prefs.getString("security_method", "pin") ?: "pin"
         biometricsEnabled = prefs.getBoolean("biometrics_enabled", false)
+        autoUnlockPin = prefs.getBoolean("auto_unlock_pin", false)
+        pinLength = prefs.getInt("pin_length", 4)
 
         val stored = CredentialStore(this).loadSecurityHash() ?: run { finish(); return }
         salt = stored.first
@@ -134,13 +138,18 @@ class LockActivity : AppCompatActivity() {
         when (key) {
             "⌫" -> if (pinDigits.isNotEmpty()) { pinDigits.removeLast(); updateDots() }
             "✓" -> if (pinDigits.size >= 4) verifyPin()
-            else -> if (pinDigits.size < 8) { pinDigits.add(key.toInt()); updateDots() }
+            else -> if (pinDigits.size < 8) {
+                pinDigits.add(key.toInt())
+                updateDots()
+                if (autoUnlockPin && pinDigits.size == pinLength) verifyPin()
+            }
         }
     }
 
     private fun updateDots() {
         val n = pinDigits.size
-        binding.tvLockPinDots.text = "●".repeat(n) + "○".repeat(maxOf(4 - n, 0))
+        val total = if (autoUnlockPin) pinLength else maxOf(n, 4)
+        binding.tvLockPinDots.text = "●".repeat(n) + "○".repeat(maxOf(total - n, 0))
     }
 
     private fun verifyPin() {
@@ -194,15 +203,15 @@ class LockActivity : AppCompatActivity() {
         if (remaining <= 0) return false
         val secs = ((remaining + 999L) / 1000L).toInt()
         val msg = getString(R.string.unlock_locked_out, secs)
-        binding.tvLockPinDots.text = msg
-        binding.root.postDelayed({ updateDots() }, remaining)
+        binding.tvPinHint.text = msg
+        binding.root.postDelayed({ binding.tvPinHint.text = ""; updateDots() }, remaining)
         return true
     }
 
     private fun showFailure() {
         val msg = failureMessage()
-        binding.tvLockPinDots.text = msg
-        binding.root.postDelayed({ updateDots() }, 1200)
+        binding.tvPinHint.text = msg
+        binding.root.postDelayed({ binding.tvPinHint.text = ""; updateDots() }, 1200)
     }
 
     private fun failureMessage(): String {

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

@@ -0,0 +1,207 @@
+package sh.sar.basedbank.api.bml
+
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankServerException
+
+data class BmlUserInfo(
+    val fullName: String,
+    val email: String,
+    val mobile: String,
+    val customerId: String,
+    val idCard: String,
+    val birthdate: String
+)
+
+class BmlAccountClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchAccounts(
+        session: BmlSession,
+        loginTag: String,
+        profileName: String = "Personal",
+        profileId: String = ""
+    ): List<BankAccount> {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/dashboard")).execute()
+        val code = resp.code
+        val json = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+        return parseDashboard(json ?: return emptyList(), loginTag, profileName, profileId)
+    }
+
+    /** Lightweight call to verify the session is alive. Throws [AuthExpiredException] on 401/419. */
+    fun checkProfile(session: BmlSession) {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/profile")).execute()
+        val code = resp.code
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+    }
+
+    fun fetchUserInfo(session: BmlSession): BmlUserInfo? {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/userinfo")).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val user = root.optJSONObject("payload")?.optJSONObject("user") ?: return null
+            BmlUserInfo(
+                fullName   = user.optString("fullname").trim(),
+                email      = user.optString("email").trim(),
+                mobile     = user.optString("mobile_phone").trim(),
+                customerId = user.optString("customer_number").trim(),
+                idCard     = user.optString("idcard").trim(),
+                birthdate  = user.optString("birthdate").trim()
+            )
+        } catch (_: Exception) { null }
+    }
+
+    fun fetchLoanDetail(session: BmlSession, internalId: String): BmlLoanDetail? {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/account/$internalId")).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val p = root.optJSONObject("payload") ?: return null
+            BmlLoanDetail(
+                loanAmount       = p.optDouble("loanAmount", 0.0),
+                outstandingAmt   = p.optDouble("outstandingAmt", 0.0),
+                repayAmount      = p.optDouble("repayAmount", 0.0),
+                intRate          = p.optDouble("intRate", 0.0),
+                loanStatus       = p.optString("loanStatus"),
+                startDate        = p.optString("startDate"),
+                endDate          = p.optString("endDate"),
+                noOfRepayOverdue = p.optInt("noOfRepayOverdue", 0),
+                overdueAmount    = p.optDouble("overdueAmount", 0.0)
+            )
+        } catch (_: Exception) { null }
+    }
+
+    fun fetchTransferChannels(session: BmlSession): List<BmlOtpChannel> {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/transfer")).execute()
+        val json = resp.body?.string() ?: run { resp.close(); return emptyList() }
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return emptyList()
+            val arr = root.optJSONObject("payload")
+                ?.optJSONObject("transfer")
+                ?.optJSONArray("otpChannel") ?: return emptyList()
+            (0 until arr.length()).map { i ->
+                val ch = arr.getJSONObject(i)
+                BmlOtpChannel(
+                    channel     = ch.optString("channel"),
+                    description = ch.optString("description"),
+                    masked      = ch.optString("masked")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    private fun parseDashboard(
+        json: String,
+        loginTag: String,
+        profileName: String,
+        profileId: String
+    ): List<BankAccount> {
+        val root = JSONObject(json)
+        if (!root.optBoolean("success")) return emptyList()
+        val dashboard = root.optJSONObject("payload")?.optJSONArray("dashboard") ?: return emptyList()
+
+        val casaAccounts  = mutableListOf<BankAccount>()
+        val prepaidCards  = mutableListOf<BankAccount>()
+        val loanAccounts  = mutableListOf<BankAccount>()
+
+        for (i in 0 until dashboard.length()) {
+            val item        = dashboard.getJSONObject(i)
+            val currency    = item.optString("currency", "MVR")
+            val accountType = item.optString("account_type", "CASA")
+            val product     = item.optString("product")
+            val accountNumber = item.optString("account")
+            val status      = item.optString("account_status", "Active")
+            val internalId  = item.optString("id", "")
+
+            if (accountType == "CASA") {
+                val available = item.optDouble("availableBalance", 0.0)
+                casaAccounts.add(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = "BML",
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias"),
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance   = "%.2f".format(item.optDouble("ledgerBalance", 0.0)),
+                    blockedAmount    = "%.2f".format(item.optDouble("lockedAmount", 0.0)),
+                    mvrBalance       = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            } else if (accountType == "Loan") {
+                val outstanding = Math.abs(item.optDouble("availableBalance", 0.0))
+                loanAccounts.add(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = "BML_LOAN",
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias"),
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(outstanding),
+                    currentBalance   = "%.2f".format(outstanding),
+                    blockedAmount    = "0.00",
+                    mvrBalance       = "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            } else if (accountType == "Card") {
+                val isPrepaid   = item.optBoolean("prepaid_card", false)
+                val productCode = item.optString("product_code", "")
+                val cardBalance = item.optJSONObject("cardBalance")
+                val available   = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
+                val current     = cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0
+                val isVisible = item.optBoolean("account_visible", false)
+                val cardProfileType = when {
+                    isPrepaid -> "BML_PREPAID"
+                    isVisible -> "BML_CREDIT"   // non-prepaid, visible = credit card
+                    else      -> "BML_DEBIT"    // non-prepaid, not visible = debit card
+                }
+                prepaidCards.add(BankAccount(
+                    bank             = "BML",
+                    profileName      = profileName,
+                    profileType      = cardProfileType,
+                    productCode      = productCode,
+                    accountNumber    = accountNumber,
+                    accountBriefName = item.optString("alias").ifBlank { product },
+                    currencyName     = currency,
+                    accountTypeName  = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance   = "%.2f".format(current),
+                    blockedAmount    = "0.00",
+                    mvrBalance       = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc       = status,
+                    profileImageHash = null,
+                    loginTag         = loginTag,
+                    profileId        = profileId,
+                    internalId       = internalId
+                ))
+            }
+        }
+
+        return casaAccounts + prepaidCards + loanAccounts
+    }
+}

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

@@ -0,0 +1,22 @@
+package sh.sar.basedbank.api.bml
+
+import android.os.Build
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import java.util.concurrent.TimeUnit
+
+internal const val BML_BASE_URL = "https://www.bankofmaldives.com.mv/internetbanking"
+internal val BML_USER_AGENT = "bml-mobile-banking/348 (${Build.MANUFACTURER}; Android ${Build.VERSION.RELEASE}; ${Build.MODEL})"
+internal const val BML_APP_VERSION = "2.1.44.348"
+
+internal fun newBmlApiClient(): OkHttpClient = OkHttpClient.Builder()
+    .connectTimeout(30, TimeUnit.SECONDS)
+    .readTimeout(30, TimeUnit.SECONDS)
+    .build()
+
+internal fun bmlApiRequest(session: BmlSession, url: String): Request =
+    Request.Builder().url(url)
+        .header("Authorization", "Bearer ${session.accessToken}")
+        .header("User-Agent", BML_USER_AGENT)
+        .header("x-app-version", BML_APP_VERSION)
+        .build()

app/src/main/java/sh/sar/basedbank/api/bml/BmlContactsClient.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.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankContact
+
+class BmlContactsClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchContacts(session: BmlSession, loginId: String): List<BankContact> {
+        val resp = client.newCall(bmlApiRequest(session, "$BML_BASE_URL/api/mobile/contacts")).execute()
+        val json = resp.body?.string() ?: return emptyList()
+        resp.close()
+        return parseContacts(json, loginId)
+    }
+
+    fun saveContact(
+        session: BmlSession,
+        contactType: String,
+        account: String,
+        alias: String,
+        currency: String? = null,
+        name: String? = null,
+        swift: String? = null
+    ): Boolean {
+        val bodyObj = JSONObject().apply {
+            put("contact_type", contactType)
+            put("account", account)
+            put("alias", alias)
+            if (currency != null) put("currency", currency)
+            if (name != null) put("name", name)
+            if (swift != null) put("swift", swift)
+        }
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/contacts")
+                .post(bodyObj.toString().toRequestBody("application/json".toMediaType()))
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return false
+        resp.close()
+        return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
+    }
+
+    fun deleteContact(session: BmlSession, contactId: String): Boolean {
+        val body = """{"_method":"delete"}""".toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/contacts/$contactId")
+                .post(body)
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("accept", "application/json")
+                .build()
+        ).execute()
+        val bodyStr = resp.body?.string() ?: return false
+        resp.close()
+        return try { JSONObject(bodyStr).optBoolean("success") } catch (_: Exception) { false }
+    }
+
+    private fun parseContacts(json: String, loginId: String): List<BankContact> {
+        val root = JSONObject(json)
+        if (!root.optBoolean("success")) return emptyList()
+        val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
+        val result = mutableListOf<BankContact>()
+        for (i in 0 until payload.length()) {
+            val item = payload.getJSONObject(i)
+            val account = item.optString("account", "")
+            if (account.isBlank()) continue
+            result.add(BankContact(
+                benefNo         = "bml_${item.optInt("id")}",
+                benefName       = item.optString("name"),
+                benefNickName   = item.optString("alias", item.optString("name")),
+                benefAccount    = account,
+                benefType       = "I",
+                bankColor       = "#0066A1",
+                benefBankName   = "Bank of Maldives",
+                bankCode        = "",
+                benefStatus     = item.optString("status", "S"),
+                transferCyDesc  = item.optString("currency", "MVR"),
+                customerImgHash = null,
+                benefCategoryId = "BML",
+                profileId       = loginId
+            ))
+        }
+        return result
+    }
+}

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

@@ -0,0 +1,64 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class BmlForeignLimitsClient {
+
+    // Foreign limits use a different host than the main BML API
+    private val BASE_URL = "https://app.bankofmaldives.com.mv/api/v2"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/foreign-limits")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        return parseForeignLimits(json ?: return emptyList())
+    }
+
+    private fun parseForeignLimits(json: String): List<BmlForeignLimit> {
+        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)
+                val usage = item.optJSONObject("usageByCategory") ?: JSONObject()
+                val atm   = usage.optJSONObject("ATM")  ?: JSONObject()
+                val ecom  = usage.optJSONObject("ECOM") ?: JSONObject()
+                val pos   = usage.optJSONObject("POS")  ?: JSONObject()
+                BmlForeignLimit(
+                    type             = item.optString("type", "Debit"),
+                    used             = item.optDouble("used", 0.0),
+                    totalLimit       = item.optDouble("totalLimit", 0.0),
+                    generalCap       = item.optDouble("generalCap", 0.0),
+                    generalRemaining = item.optDouble("generalRemaining", 0.0),
+                    medicalRemaining = item.optDouble("medicalRemaining", 0.0),
+                    isAtmEnabled     = item.optBoolean("isAtmEnabled", false),
+                    isPosEnabled     = item.optBoolean("isPosEnabled", false),
+                    atmRemaining     = atm.optDouble("remaining", 0.0),
+                    atmLimit         = atm.optDouble("limit", 0.0),
+                    ecomRemaining    = ecom.optDouble("remaining", 0.0),
+                    ecomLimit        = ecom.optDouble("limit", 0.0),
+                    posRemaining     = pos.optDouble("remaining", 0.0),
+                    posLimit         = pos.optDouble("limit", 0.0)
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+}

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

@@ -0,0 +1,177 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.models.BankTransaction
+import java.text.SimpleDateFormat
+import java.util.Locale
+
+class BmlHistoryClient {
+
+    private val client = newBmlApiClient()
+
+    fun fetchAccountHistory(
+        session: BmlSession,
+        accountId: String,
+        accountDisplayName: String,
+        accountNumber: String,
+        page: Int
+    ): Pair<List<BankTransaction>, Int> {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/account/$accountId/history/$page")
+                .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 Pair(emptyList(), 0)
+        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 Pair(emptyList(), 0)
+            val payload = root.optJSONObject("payload") ?: return Pair(emptyList(), 0)
+            val totalPages = payload.optInt("totalPages", 0)
+            val history = payload.optJSONArray("history") ?: return Pair(emptyList(), totalPages)
+            val transactions = (0 until history.length()).map { i ->
+                val item = history.getJSONObject(i)
+                val desc = item.optString("description").trim()
+                val narrative1 = item.optString("narrative1")
+                val date = when (desc) {
+                    "Purchase" -> parsePurchaseNarrative1(narrative1) ?: item.optString("bookingDate")
+                    "Transfer Debit", "Transfer Credit" -> parseTransferNarrative1(narrative1) ?: item.optString("bookingDate")
+                    else -> item.optString("bookingDate")
+                }
+                BankTransaction(
+                    id                 = item.optString("id"),
+                    date               = date,
+                    description        = desc,
+                    amount             = item.optDouble("amount", 0.0),
+                    currency           = item.optString("currency"),
+                    counterpartyName   = item.optString("narrative2").takeIf { it.isNotBlank() },
+                    reference          = item.optString("reference").takeIf { it.isNotBlank() },
+                    accountNumber      = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source             = "BML"
+                )
+            }
+            Pair(transactions, totalPages)
+        } catch (_: Exception) { Pair(emptyList(), 0) }
+    }
+
+    fun fetchCardHistory(
+        session: BmlSession,
+        cardId: String,
+        accountDisplayName: String,
+        accountNumber: String,
+        month: String
+    ): List<BankTransaction> {
+        val body = """{"card":"$cardId","month":"$month"}"""
+            .toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/card/statement").post(body)
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return emptyList()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return emptyList()
+            val payload = root.optJSONObject("payload") ?: return emptyList()
+            val result = mutableListOf<BankTransaction>()
+
+            val authDetails = payload.optJSONObject("outstanding")
+                ?.optJSONArray("CardOutStdAuthDetails")
+            if (authDetails != null) {
+                for (i in 0 until authDetails.length()) {
+                    val item = authDetails.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "auth_${item.optString("TranApprCode")}_$i",
+                        date               = item.optString("DateTime"),
+                        description        = item.optString("TranDesc").trim(),
+                        amount             = item.optDouble("BillingAmount", 0.0),
+                        currency           = item.optString("BillingCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+
+            val unbilled = payload.optJSONObject("unbilled")
+                ?.optJSONArray("CardUnbillTxnDetails")
+            if (unbilled != null) {
+                for (i in 0 until unbilled.length()) {
+                    val item = unbilled.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "unbilled_${item.optString("TranApprCode")}_$i",
+                        date               = item.optString("DateTime"),
+                        description        = item.optString("TranDesc").trim(),
+                        amount             = item.optDouble("BillingAmount", 0.0),
+                        currency           = item.optString("BillingCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranApprCode").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+
+            val statement = payload.optJSONArray("cardstatement")
+            if (statement != null) {
+                for (i in 0 until statement.length()) {
+                    val item = statement.getJSONObject(i)
+                    result.add(BankTransaction(
+                        id                 = "stmt_${item.optString("TranRef", i.toString())}",
+                        date               = item.optString("TransDate", item.optString("TranDate", "")),
+                        description        = item.optString("TranDesc", item.optString("Description", "")).trim(),
+                        amount             = -item.optDouble("TranAmount", 0.0),
+                        currency           = item.optString("TranCcy", "MVR"),
+                        counterpartyName   = null,
+                        reference          = item.optString("TranRef").takeIf { it.isNotBlank() },
+                        accountNumber      = accountNumber,
+                        accountDisplayName = accountDisplayName,
+                        source             = "BML_CARD"
+                    ))
+                }
+            }
+            result
+        } catch (_: Exception) { emptyList() }
+    }
+
+    // "12-05-2026 041675" → first 4 digits of time part as HH:mm
+    private fun parsePurchaseNarrative1(narrative1: String): String? {
+        return try {
+            val parts = narrative1.split(" ")
+            if (parts.size < 2) null
+            else {
+                val timePart = parts[1].take(4)
+                val combined = "${parts[0]} ${timePart.take(2)}:${timePart.drop(2)}:00"
+                val date = SimpleDateFormat("dd-MM-yyyy HH:mm:ss", Locale.US).parse(combined)
+                date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
+            }
+        } catch (_: Exception) { null }
+    }
+
+    // "11-04-2026 13-17-08" → yyyy-MM-dd HH:mm:ss
+    private fun parseTransferNarrative1(narrative1: String): String? {
+        return try {
+            val date = SimpleDateFormat("dd-MM-yyyy HH-mm-ss", Locale.US).parse(narrative1)
+            date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
+        } catch (_: Exception) { null }
+    }
+}

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

@@ -7,19 +7,15 @@ import okhttp3.FormBody
 import okhttp3.HttpUrl
 import okhttp3.OkHttpClient
 import okhttp3.Request
-import okhttp3.RequestBody.Companion.toRequestBody
 import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.RequestBody.Companion.toRequestBody
 import org.json.JSONArray
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.Totp
 import java.security.MessageDigest
 import java.security.SecureRandom
-import java.text.SimpleDateFormat
 import java.util.Base64
-import java.util.Locale
 import java.util.concurrent.TimeUnit
 
 class AuthExpiredException : Exception("Session expired")
@@ -29,9 +25,9 @@ class BmlLoginFlow {
     private val BASE_URL = "https://www.bankofmaldives.com.mv/internetbanking"
     private val CLIENT_ID = "98C83590-513F-4716-B02B-EC68B7D9E7E7"
     private val REDIRECT_URI = "https://app.bankofmaldives.com.mv/oauth/mobile-callback"
-    private val APP_USER_AGENT = "bml-mobile-banking/345 (POCO; Android 14; 22101320I)"
-    private val APP_VERSION = "2.1.43.345"
-    private val WEB_USER_AGENT = "Mozilla/5.0 (X11; Linux x86_64; rv:150.0) Gecko/20100101 Firefox/150.0"
+    private val APP_USER_AGENT = "bml-mobile-banking/348 (${android.os.Build.MANUFACTURER}; Android ${android.os.Build.VERSION.RELEASE}; ${android.os.Build.MODEL})"
+    private val APP_VERSION = "2.1.44.348"
+    private val WEB_USER_AGENT = "Mozilla/5.0 (Android ${android.os.Build.VERSION.RELEASE}; Mobile; rv:150.0) Gecko/150.0 Firefox/150.0"
 
     private val cookieStore = mutableMapOf<String, MutableList<Cookie>>()
     private val cookieJar = object : CookieJar {
@@ -53,14 +49,27 @@ class BmlLoginFlow {
         .readTimeout(30, TimeUnit.SECONDS)
         .build()
 
-    private val apiClient = OkHttpClient.Builder()
-        .connectTimeout(30, TimeUnit.SECONDS)
-        .readTimeout(30, TimeUnit.SECONDS)
-        .build()
+    /** PKCE params — generated once per login and reused across all profile activations. */
+    private var codeVerifier: String = ""
+    private var codeChallenge: String = ""
+    private var deviceId: String = ""
 
-    /** Full login: returns a BmlSession and the account list. */
-    fun login(username: String, password: String, otpSeed: String): Pair<BmlSession, List<MibAccount>> {
-        // Step 1: GET login page — seeds XSRF-TOKEN + blaze_session cookies
+    /** Profiles returned by the last successful [login] call. */
+    var lastProfiles: List<BmlProfile> = emptyList()
+        private set
+
+    // ─── Login ────────────────────────────────────────────────────────────────
+
+    /**
+     * Performs web authentication (login + TOTP) and returns the list of available profiles.
+     * Call [activateProfile] for each profile to obtain an access token + accounts.
+     */
+    fun login(username: String, password: String, otpSeed: String): List<BmlProfile> {
+        codeVerifier = generateCodeVerifier()
+        codeChallenge = generateCodeChallenge(codeVerifier)
+        deviceId = generateDeviceId()
+
+        // Step 1: GET login page — seeds XSRF-TOKEN + blaze_session
         client.newCall(
             Request.Builder().url("$BASE_URL/web/login")
                 .header("User-Agent", WEB_USER_AGENT).build()
@@ -82,15 +91,14 @@ class BmlLoginFlow {
         loginResp.close()
         if (loginResp.code != 302) throw Exception("Login failed — check your username/password")
 
-        // Step 3: GET 2FA page (refreshes blaze_session)
+        // Step 3: GET 2FA page (refreshes session cookies)
         client.newCall(
             Request.Builder().url("$BASE_URL/web/login/2fa")
-                .header("X-XSRF-TOKEN", xsrf)
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute().close()
         val xsrf2 = xsrfToken() ?: xsrf
 
-        // Step 4: POST OTP
+        // Step 4: POST TOTP
         val otp = Totp.generate(otpSeed)
         val twoFaBody = JSONObject().apply {
             put("code", otp)
@@ -104,18 +112,161 @@ class BmlLoginFlow {
         twoFaResp.close()
         if (twoFaResp.code != 302) throw Exception("OTP verification failed — check your OTP seed")
 
-        // Step 5: GET /web/profile (sets blaze_identity cookie for profile selection)
-        client.newCall(
+        // Step 5: GET /web/profile — multi-profile accounts return a 200 with a profile picker;
+        // single-profile accounts skip the picker and redirect straight to /web/redirect with
+        // blaze_identity already set in the response cookies.
+        val profileResp = client.newCall(
             Request.Builder().url("$BASE_URL/web/profile")
-                .header("X-XSRF-TOKEN", xsrf2)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val profileCode = profileResp.code
+        val profileLocation = profileResp.header("Location") ?: ""
+        val profileBody = profileResp.body?.string() ?: ""
+        profileResp.close()
+
+        lastProfiles = if (profileCode == 302) {
+            // Any 302 from GET /web/profile means the server auto-activated the sole profile
+            // and blaze_identity is already set — no profile picker shown.
+            // Use username as a stable temporary profileId (unique per login); it will be
+            // replaced by the real BML customer ID after fetchUserInfo in finishBmlLogin().
+            listOf(BmlProfile(profileId = username, name = "Personal", type = "Profile", profileType = "default", autoActivated = true))
+        } else {
+            parseProfiles(profileBody)
+        }
+        return lastProfiles
+    }
+
+    // ─── Profile activation ───────────────────────────────────────────────────
+
+    /**
+     * Activates a profile in the current web session and returns the result.
+     *
+     * - Personal profiles (profile_type="default") succeed immediately and return [BmlActivationResult.Success].
+     * - Business profiles (profile_type="business") require SMS/email OTP; returns
+     *   [BmlActivationResult.NeedsBusinessOtp] with available channels. Follow up with
+     *   [requestBusinessOtp] + [submitBusinessOtp].
+     */
+    fun activateProfile(profile: BmlProfile, loginTag: String): BmlActivationResult {
+        // Single-profile accounts: server already activated during login() and set blaze_identity.
+        // autoActivated=true is the sentinel for this case — skip the profile GET entirely.
+        if (profile.autoActivated) {
+            val (session, accounts) = doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+            return BmlActivationResult.Success(session, accounts)
+        }
+
+        val xsrf = xsrfToken()
+        val reqBuilder = Request.Builder()
+            .url("$BASE_URL/web/profile/${profile.profileId}")
+            .header("User-Agent", WEB_USER_AGENT)
+        if (xsrf != null) reqBuilder.header("X-XSRF-TOKEN", xsrf)
+
+        val resp = client.newCall(reqBuilder.build()).execute()
+        val code = resp.code
+        val location = resp.header("Location") ?: ""
+        resp.close()
+
+        return when {
+            code == 409 || (code == 302 && "/web/profile/2fa/business" !in location) -> {
+                // Profile activated — blaze_identity cookie set in response headers.
+                // Any 302 that isn't to the business 2FA page means success.
+                val (session, accounts) = doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+                BmlActivationResult.Success(session, accounts)
+            }
+            code == 302 && "/web/profile/2fa/business" in location -> {
+                // Business profile: server requires SMS/email OTP
+                val channels = fetchBusinessOtpChannels()
+                BmlActivationResult.NeedsBusinessOtp(channels)
+            }
+            else -> throw Exception("Profile activation failed (HTTP $code)")
+        }
+    }
+
+    /**
+     * Returns available OTP channels for the business 2FA page.
+     * Also refreshes cookies so the subsequent POST has a valid XSRF token.
+     */
+    private fun fetchBusinessOtpChannels(): List<BmlOtpChannel> {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business")
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val body = resp.body?.string() ?: ""
+        resp.close()
+        return parseBusinessOtpChannels(body)
+    }
+
+    /**
+     * Sends an OTP to [channel] for business profile activation.
+     * Must be called before [submitBusinessOtp].
+     */
+    fun requestBusinessOtp(channel: String) {
+        val xsrf = xsrfToken() ?: throw Exception("Session expired — please log in again")
+        val body = JSONObject().apply {
+            put("code", "")
+            put("channel", channel)
+        }.toString().toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business").post(body)
+                .header("X-XSRF-TOKEN", xsrf)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val respCode = resp.code
+        resp.close()
+        if (respCode != 302) throw Exception("Failed to request OTP (HTTP $respCode)")
+    }
+
+    /**
+     * Verifies the OTP and activates the business profile.
+     * Returns a new [BmlSession] and accounts on success.
+     * @throws Exception if the OTP is invalid (retry is allowed).
+     */
+    fun submitBusinessOtp(
+        channel: String,
+        code: String,
+        profile: BmlProfile,
+        loginTag: String
+    ): Pair<BmlSession, List<BankAccount>> {
+        // Refresh XSRF token before submitting
+        client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business")
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute().close()
 
-        // Step 6: PKCE OAuth authorize → extract auth code
-        val codeVerifier = generateCodeVerifier()
-        val codeChallenge = generateCodeChallenge(codeVerifier)
-        val deviceId = generateDeviceId()
+        val xsrf = xsrfToken() ?: throw Exception("Session expired — please log in again")
+        val body = JSONObject().apply {
+            put("code", code)
+            put("channel", channel)
+        }.toString().toRequestBody("application/json".toMediaType())
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/web/profile/2fa/business").post(body)
+                .header("X-XSRF-TOKEN", xsrf)
+                .header("User-Agent", WEB_USER_AGENT).build()
+        ).execute()
+        val respCode = resp.code
+        val location = resp.header("Location") ?: ""
+        resp.close()
 
+        return when {
+            respCode == 409 || (respCode == 302 && "/web/redirect" in location) ->
+                doOAuthAndFetchAccounts(loginTag, profile.name, profile.profileId)
+            respCode == 302 ->
+                throw Exception("Invalid OTP — please try again")
+            else ->
+                throw Exception("Business OTP verification failed (HTTP $respCode)")
+        }
+    }
+
+    // ─── OAuth + account fetch ────────────────────────────────────────────────
+
+    /**
+     * Completes PKCE OAuth for the currently activated profile (blaze_identity cookie set).
+     * Returns a fresh [BmlSession] and the profile's accounts.
+     */
+    private fun doOAuthAndFetchAccounts(
+        loginTag: String,
+        profileName: String,
+        profileId: String
+    ): Pair<BmlSession, List<BankAccount>> {
         val authorizeUrl = HttpUrl.Builder()
             .scheme("https").host("www.bankofmaldives.com.mv")
             .addPathSegments("internetbanking/oauth/authorize")
@@ -135,14 +286,12 @@ class BmlLoginFlow {
             Request.Builder().url(authorizeUrl)
                 .header("User-Agent", WEB_USER_AGENT).build()
         ).execute()
+        val location = authorizeResp.header("Location")
         authorizeResp.close()
 
-        val location = authorizeResp.header("Location")
-            ?: throw Exception("OAuth authorize did not redirect")
-        val authCode = Uri.parse(location).getQueryParameter("code")
-            ?: throw Exception("No auth code in OAuth redirect")
+        val authCode = location?.let { Uri.parse(it).getQueryParameter("code") }
+            ?: throw Exception("OAuth authorize did not return auth code")
 
-        // Step 7: Exchange auth code for access token
         val tokenBody = FormBody.Builder()
             .add("Device-ID", deviceId)
             .add("code", authCode)
@@ -164,565 +313,95 @@ class BmlLoginFlow {
         val tokenObj = JSONObject(tokenJson)
         val accessToken = tokenObj.optString("access_token")
             .takeIf { it.isNotBlank() } ?: throw Exception("Token exchange failed")
+        val refreshToken = tokenObj.optString("refresh_token", "")
+        val expiresIn = tokenObj.optLong("expires_in", 0L)
+        val expiresAt = if (expiresIn > 0) System.currentTimeMillis() + expiresIn * 1000L else 0L
 
-        val session = BmlSession(accessToken = accessToken, deviceId = deviceId)
-        val accounts = fetchAccounts(session, "bml_$username")
+        val session = BmlSession(accessToken = accessToken, deviceId = deviceId, refreshToken = refreshToken, expiresAt = expiresAt)
+        val accounts = BmlAccountClient().fetchAccounts(session, loginTag, profileName, profileId)
         return Pair(session, accounts)
     }
-
-    fun fetchAccounts(session: BmlSession, loginTag: String): List<MibAccount> {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/dashboard")).execute()
-        val code = resp.code
-        val json = resp.body?.string()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseDashboard(json ?: return emptyList(), loginTag)
-    }
-
-    fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
-        val resp = apiClient.newCall(
-            Request.Builder().url("https://app.bankofmaldives.com.mv/api/v2/foreign-limits")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val code = resp.code
-        val json = resp.body?.string()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseForeignLimits(json ?: return emptyList())
-    }
-
-    data class BmlUserInfo(
-        val fullName: String,
-        val email: String,
-        val mobile: String,
-        val customerId: String,
-        val idCard: String,
-        val birthdate: String
-    )
-
-    fun fetchUserInfo(session: BmlSession): BmlUserInfo? {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/userinfo")).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            val user = root.optJSONObject("payload")?.optJSONObject("user") ?: return null
-            BmlUserInfo(
-                fullName = user.optString("fullname").trim(),
-                email = user.optString("email").trim(),
-                mobile = user.optString("mobile_phone").trim(),
-                customerId = user.optString("customer_number").trim(),
-                idCard = user.optString("idcard").trim(),
-                birthdate = user.optString("birthdate").trim()
-            )
-        } catch (_: Exception) { null }
-    }
-
-    fun validateAccount(session: BmlSession, input: String): BmlAccountValidation? {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/validate/account/$input")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            val payload = root.optJSONObject("payload") ?: return null
-            val trnType = payload.optString("trnType", "")
-            val validationType = payload.optString("validationType", "")
-            if (validationType == "alias") {
-                val cdtrAcct = payload.optJSONObject("CdtrAcct") ?: return null
-                BmlAccountValidation(
-                    trnType = trnType,
-                    validationType = validationType,
-                    account = cdtrAcct.optString("Acct"),
-                    originalInput = input,
-                    name = payload.optString("contact_name").trim(),
-                    alias = null,
-                    currency = payload.optString("currency", "MVR"),
-                    agnt = cdtrAcct.optString("FinInstnId").takeIf { it.isNotBlank() }
-                )
-            } else {
-                BmlAccountValidation(
-                    trnType = trnType,
-                    validationType = validationType,
-                    account = payload.optString("account"),
-                    originalInput = input,
-                    name = payload.optString("name"),
-                    alias = payload.optString("alias").takeIf { it.isNotBlank() && it != "null" },
-                    currency = payload.optString("currency", "MVR")
-                )
-            }
-        } catch (_: Exception) { null }
-    }
-
-    fun verifyMibAccount(session: BmlSession, account: String): BmlAccountValidation? {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/favara/account-verification/$account/MIB")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return null
-        resp.close()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return null
-            BmlAccountValidation(
-                trnType = "DOT",
-                validationType = "MIB",
-                account = root.optString("account"),
-                originalInput = account,
-                name = root.optString("name"),
-                alias = null,
-                currency = "MVR",
-                agnt = root.optString("agnt").takeIf { it.isNotBlank() }
-            )
-        } catch (_: Exception) { null }
-    }
-
-    fun saveContact(
-        session: BmlSession,
-        contactType: String,
-        account: String,
-        alias: String,
-        currency: String? = null,
-        name: String? = null,
-        swift: String? = null
-    ): Boolean {
-        val bodyObj = JSONObject().apply {
-            put("contact_type", contactType)
-            put("account", account)
-            put("alias", alias)
-            if (currency != null) put("currency", currency)
-            if (name != null) put("name", name)
-            if (swift != null) put("swift", swift)
-        }
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/contacts")
-                .post(bodyObj.toString().toRequestBody("application/json".toMediaType()))
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .header("Accept", "application/json")
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return false
-        resp.close()
-        return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
-    }
-
-    fun fetchContacts(session: BmlSession, loginId: String): List<MibBeneficiary> {
-        val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/contacts")).execute()
-        val json = resp.body?.string() ?: return emptyList()
-        resp.close()
-        return parseContacts(json, loginId)
-    }
+    // ─── Token refresh ───────────────────────────────────────────────────────
 
     /**
-     * Step 1 of BML transfer: POST without OTP. Returns true if server responds code=22 (OTP ready).
+     * Uses the saved refresh token to obtain a new access token without re-login.
+     * Returns a new [BmlSession] with updated tokens.
      */
-    fun initiateTransfer(
-        session: BmlSession,
-        debitAccount: String,
-        creditAccount: String,
-        amount: Double,
-        transferType: String,
-        currency: String,
-        bank: String? = null
-    ): Boolean {
-        val jo = JSONObject().apply {
-            put("debitAccount", debitAccount)
-            put("creditAccount", creditAccount)
-            put("debitAmount", amount)
-            put("transfertype", transferType)
-            put("currency", currency)
-            put("channel", "token")
-            if (bank != null) put("bank", bank)
-        }
-        val body = jo.toString().toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/transfer")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
+    fun refreshSession(session: BmlSession): BmlSession {
+        val body = FormBody.Builder()
+            .add("grant_type", "refresh_token")
+            .add("refresh_token", session.refreshToken)
+            .add("client_id", CLIENT_ID)
+            .add("Device-ID", session.deviceId)
+            .add("User-Agent", APP_USER_AGENT)
+            .add("x-app-version", APP_VERSION)
             .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string() ?: return@use false
-            try {
-                val json = JSONObject(bodyStr)
-                json.optBoolean("success") && json.optInt("code") == 22
-            } catch (_: Exception) { false }
-        }
-    }
-
-    /**
-     * Step 2 of BML transfer: POST with OTP + remarks. Returns BmlTransferResult.
-     */
-    fun confirmTransfer(
-        session: BmlSession,
-        debitAccount: String,
-        creditAccount: String,
-        amount: Double,
-        transferType: String,
-        currency: String,
-        otp: String,
-        remarks: String = "",
-        bank: String? = null
-    ): BmlTransferResult {
-        val jo = JSONObject().apply {
-            put("debitAccount", debitAccount)
-            put("creditAccount", creditAccount)
-            put("debitAmount", amount)
-            put("transfertype", transferType)
-            put("currency", currency)
-            put("channel", "token")
-            put("otp", otp)
-            if (remarks.isNotBlank()) put("remarks", remarks)
-            if (bank != null) put("bank", bank)
-        }
-        val body = jo.toString().toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/transfer")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
-            .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string()
-                ?: return@use BmlTransferResult(false, errorMessage = "No response")
-            try {
-                val json = JSONObject(bodyStr)
-                if (!json.optBoolean("success")) {
-                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
-                } else {
-                    val payload = json.optJSONObject("payload")
-                    BmlTransferResult(
-                        success = true,
-                        reference = payload?.optString("reference") ?: "",
-                        timestamp = payload?.optString("timestamp") ?: "",
-                        message = json.optString("message")
-                    )
-                }
-            } catch (_: Exception) { BmlTransferResult(false, errorMessage = "Parse error") }
-        }
-    }
-
-    fun deleteContact(session: BmlSession, contactId: String): Boolean {
-        val body = """{"_method":"delete"}""".toRequestBody("application/json".toMediaType())
-        val request = Request.Builder()
-            .url("$BASE_URL/api/mobile/contacts/$contactId")
-            .post(body)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .header("accept", "application/json")
-            .build()
-        return apiClient.newCall(request).execute().use { response ->
-            val bodyStr = response.body?.string() ?: return@use false
-            try { JSONObject(bodyStr).optBoolean("success") } catch (_: Exception) { false }
-        }
-    }
-
-    // "12-05-2026 041675" → first 4 digits of time part as HH:mm
-    private fun parsePurchaseNarrative1(narrative1: String): String? {
-        return try {
-            val parts = narrative1.split(" ")
-            if (parts.size < 2) null
-            else {
-                val timePart = parts[1].take(4)
-                val combined = "${parts[0]} ${timePart.take(2)}:${timePart.drop(2)}:00"
-                val date = SimpleDateFormat("dd-MM-yyyy HH:mm:ss", Locale.US).parse(combined)
-                date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
-            }
-        } catch (_: Exception) { null }
-    }
-
-    // "11-04-2026 13-17-08" → yyyy-MM-dd HH:mm:ss
-    private fun parseTransferNarrative1(narrative1: String): String? {
-        return try {
-            val date = SimpleDateFormat("dd-MM-yyyy HH-mm-ss", Locale.US).parse(narrative1)
-            date?.let { SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US).format(it) }
-        } catch (_: Exception) { null }
-    }
-
-    /**
-     * Fetches paginated transaction history for a BML CASA account.
-     * @return Pair of (transactions, totalPages)
-     */
-    fun fetchAccountHistory(
-        session: BmlSession,
-        accountId: String,
-        accountDisplayName: String,
-        accountNumber: String,
-        page: Int
-    ): Pair<List<Transaction>, Int> {
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/account/$accountId/history/$page")
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .build()
+        val resp = newBmlApiClient().newCall(
+            Request.Builder().url("$BASE_URL/oauth/token").post(body)
+                .header("User-Agent", WEB_USER_AGENT).build()
         ).execute()
-        val code = resp.code
-        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
+        val json = resp.body?.string() ?: throw Exception("Empty refresh response")
         resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return Pair(emptyList(), 0)
-            val payload = root.optJSONObject("payload") ?: return Pair(emptyList(), 0)
-            val totalPages = payload.optInt("totalPages", 0)
-            val history = payload.optJSONArray("history") ?: return Pair(emptyList(), totalPages)
-            val transactions = (0 until history.length()).map { i ->
-                val item = history.getJSONObject(i)
-                val desc = item.optString("description").trim()
-                val narrative1 = item.optString("narrative1")
-                val date = when (desc) {
-                    "Purchase" -> parsePurchaseNarrative1(narrative1) ?: item.optString("bookingDate")
-                    "Transfer Debit", "Transfer Credit" -> parseTransferNarrative1(narrative1) ?: item.optString("bookingDate")
-                    else -> item.optString("bookingDate")
-                }
-                Transaction(
-                    id = item.optString("id"),
-                    date = date,
-                    description = desc,
-                    amount = item.optDouble("amount", 0.0),
-                    currency = item.optString("currency"),
-                    counterpartyName = item.optString("narrative2").takeIf { it.isNotBlank() },
-                    reference = item.optString("reference").takeIf { it.isNotBlank() },
-                    accountNumber = accountNumber,
-                    accountDisplayName = accountDisplayName,
-                    source = "BML"
-                )
-            }
-            Pair(transactions, totalPages)
-        } catch (_: Exception) { Pair(emptyList(), 0) }
+        val obj = JSONObject(json)
+        val newAccess = obj.optString("access_token").takeIf { it.isNotBlank() }
+            ?: throw Exception("Token refresh failed")
+        val newRefresh = obj.optString("refresh_token", "").ifBlank { session.refreshToken }
+        val expiresIn = obj.optLong("expires_in", 0L)
+        val expiresAt = if (expiresIn > 0) System.currentTimeMillis() + expiresIn * 1000L else 0L
+        return BmlSession(accessToken = newAccess, deviceId = session.deviceId, refreshToken = newRefresh, expiresAt = expiresAt)
     }
 
+    // ─── Parsing ──────────────────────────────────────────────────────────────
+
     /**
-     * Fetches card statement for a BML prepaid card for the given month ("YYYYMM").
-     * Returns combined outstanding authorizations + settled statement entries.
+     * BML web responses are Inertia.js pages — the data is embedded as HTML-escaped JSON
+     * in the `data-page="..."` attribute of the root div. This extracts and unescapes it.
      */
-    fun fetchCardHistory(
-        session: BmlSession,
-        cardId: String,
-        accountDisplayName: String,
-        accountNumber: String,
-        month: String
-    ): List<Transaction> {
-        val body = """{"card":"$cardId","month":"$month"}"""
-            .toRequestBody("application/json".toMediaType())
-        val resp = apiClient.newCall(
-            Request.Builder().url("$BASE_URL/api/mobile/card/statement").post(body)
-                .header("Authorization", "Bearer ${session.accessToken}")
-                .header("User-Agent", APP_USER_AGENT)
-                .header("x-app-version", APP_VERSION)
-                .build()
-        ).execute()
-        val code = resp.code
-        val json = resp.body?.string() ?: return emptyList()
-        resp.close()
-        if (code == 401 || code == 419) throw AuthExpiredException()
-        return try {
-            val root = JSONObject(json)
-            if (!root.optBoolean("success")) return emptyList()
-            val payload = root.optJSONObject("payload") ?: return emptyList()
-            val result = mutableListOf<Transaction>()
-
-            // Outstanding authorizations
-            val authDetails = payload.optJSONObject("outstanding")
-                ?.optJSONArray("CardOutStdAuthDetails")
-            if (authDetails != null) {
-                for (i in 0 until authDetails.length()) {
-                    val item = authDetails.getJSONObject(i)
-                    result.add(Transaction(
-                        id = "auth_${item.optString("TranApprCode")}_$i",
-                        date = item.optString("DateTime"),
-                        description = item.optString("TranDesc").trim(),
-                        amount = item.optDouble("BillingAmount", 0.0),
-                        currency = item.optString("BillingCcy", "MVR"),
-                        counterpartyName = null,
-                        reference = item.optString("TranApprCode").takeIf { it.isNotBlank() },
-                        accountNumber = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source = "BML_CARD"
-                    ))
-                }
-            }
-
-            // Settled statement entries
-            val statement = payload.optJSONArray("cardstatement")
-            if (statement != null) {
-                for (i in 0 until statement.length()) {
-                    val item = statement.getJSONObject(i)
-                    result.add(Transaction(
-                        id = "stmt_${item.optString("TranRef", i.toString())}",
-                        date = item.optString("TransDate", item.optString("TranDate", "")),
-                        description = item.optString("TranDesc", item.optString("Description", "")).trim(),
-                        amount = -item.optDouble("TranAmount", 0.0),
-                        currency = item.optString("TranCcy", "MVR"),
-                        counterpartyName = null,
-                        reference = item.optString("TranRef").takeIf { it.isNotBlank() },
-                        accountNumber = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source = "BML_CARD"
-                    ))
-                }
-            }
-            result
-        } catch (_: Exception) { emptyList() }
+    private fun extractInertiaJson(html: String): String? {
+        val match = Regex("""data-page="([^"]+)"""").find(html) ?: return null
+        return match.groupValues[1]
+            .replace("&quot;", "\"")
+            .replace("&amp;", "&")
+            .replace("&#39;", "'")
+            .replace("&lt;", "<")
+            .replace("&gt;", ">")
     }
 
-    private fun apiRequest(session: BmlSession, url: String) =
-        Request.Builder().url(url)
-            .header("Authorization", "Bearer ${session.accessToken}")
-            .header("User-Agent", APP_USER_AGENT)
-            .header("x-app-version", APP_VERSION)
-            .build()
-
-    private fun parseDashboard(json: String, loginTag: String): List<MibAccount> {
-        val root = JSONObject(json)
-        if (!root.optBoolean("success")) return emptyList()
-        val dashboard = root.optJSONObject("payload")?.optJSONArray("dashboard") ?: return emptyList()
-
-        val casaAccounts = mutableListOf<MibAccount>()
-        val prepaidCards = mutableListOf<MibAccount>()
-
-        for (i in 0 until dashboard.length()) {
-            val item = dashboard.getJSONObject(i)
-            val currency = item.optString("currency", "MVR")
-            val accountType = item.optString("account_type", "CASA")
-            val product = item.optString("product")
-            val accountNumber = item.optString("account")
-            val status = item.optString("account_status", "Active")
-
-            val internalId = item.optString("id", "")
-
-            if (accountType == "CASA") {
-                val available = item.optDouble("availableBalance", 0.0)
-                casaAccounts.add(MibAccount(
-                    bank        = "BML",
-                    profileName = "Personal",
-                    profileType = "BML",
-                    accountNumber = accountNumber,
-                    accountBriefName = item.optString("alias"),
-                    currencyName = currency,
-                    accountTypeName = product,
-                    availableBalance = "%.2f".format(available),
-                    currentBalance = "%.2f".format(item.optDouble("ledgerBalance", 0.0)),
-                    blockedAmount = "%.2f".format(item.optDouble("lockedAmount", 0.0)),
-                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                    statusDesc = status,
-                    profileImageHash = null,
-                    loginTag = loginTag,
-                    internalId = internalId
-                ))
-            } else if (accountType == "Card") {
-                val isVisible = item.optBoolean("account_visible", false)
-                if (!isVisible) continue   // debit cards and other hidden cards — skip
-                val isPrepaid = item.optBoolean("prepaid_card", false)
-                val cardBalance = item.optJSONObject("cardBalance")
-                val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
-                val current   = cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0
-                prepaidCards.add(MibAccount(
-                    bank        = "BML",
-                    profileName = "Personal",
-                    profileType = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
-                    accountNumber = accountNumber,
-                    accountBriefName = item.optString("alias").ifBlank { product },
-                    currencyName = currency,
-                    accountTypeName = product,
-                    availableBalance = "%.2f".format(available),
-                    currentBalance = "%.2f".format(current),
-                    blockedAmount = "0.00",
-                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                    statusDesc = status,
-                    profileImageHash = null,
-                    loginTag = loginTag,
-                    internalId = internalId
-                ))
-            }
-        }
-
-        return casaAccounts + prepaidCards
-    }
-
-    private fun parseForeignLimits(json: String): List<BmlForeignLimit> {
+    private fun parseProfiles(html: String): List<BmlProfile> {
         return try {
+            val json = extractInertiaJson(html) ?: html
             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)
-                val usage = item.optJSONObject("usageByCategory") ?: JSONObject()
-                val atm  = usage.optJSONObject("ATM")  ?: JSONObject()
-                val ecom = usage.optJSONObject("ECOM") ?: JSONObject()
-                val pos  = usage.optJSONObject("POS")  ?: JSONObject()
-                BmlForeignLimit(
-                    type             = item.optString("type", "Debit"),
-                    used             = item.optDouble("used", 0.0),
-                    totalLimit       = item.optDouble("totalLimit", 0.0),
-                    generalCap       = item.optDouble("generalCap", 0.0),
-                    generalRemaining = item.optDouble("generalRemaining", 0.0),
-                    medicalRemaining = item.optDouble("medicalRemaining", 0.0),
-                    isAtmEnabled     = item.optBoolean("isAtmEnabled", false),
-                    isPosEnabled     = item.optBoolean("isPosEnabled", false),
-                    atmRemaining     = atm.optDouble("remaining", 0.0),
-                    atmLimit         = atm.optDouble("limit", 0.0),
-                    ecomRemaining    = ecom.optDouble("remaining", 0.0),
-                    ecomLimit        = ecom.optDouble("limit", 0.0),
-                    posRemaining     = pos.optDouble("remaining", 0.0),
-                    posLimit         = pos.optDouble("limit", 0.0)
+            val props = root.optJSONObject("props") ?: return emptyList()
+            val profiles = props.optJSONArray("profiles") ?: return emptyList()
+            (0 until profiles.length()).mapNotNull { i ->
+                val p = profiles.getJSONObject(i)
+                val profileObj = p.optJSONObject("profile") ?: return@mapNotNull null
+                BmlProfile(
+                    profileId = p.optString("profile_id"),
+                    name = p.optString("name"),
+                    type = p.optString("type"),
+                    profileType = profileObj.optString("profile_type", "default")
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
-    private fun parseContacts(json: String, loginId: String = ""): List<MibBeneficiary> {
-        val root = JSONObject(json)
-        if (!root.optBoolean("success")) return emptyList()
-        val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
-        val result = mutableListOf<MibBeneficiary>()
-        for (i in 0 until payload.length()) {
-            val item = payload.getJSONObject(i)
-            val account = item.optString("account", "")
-            if (account.isBlank()) continue
-            result.add(MibBeneficiary(
-                benefNo = "bml_${item.optInt("id")}",
-                benefName = item.optString("name"),
-                benefNickName = item.optString("alias", item.optString("name")),
-                benefAccount = account,
-                benefType = "I",
-                bankColor = "#0066A1",
-                benefBankName = "Bank of Maldives",
-                bankCode = "",
-                benefStatus = item.optString("status", "S"),
-                transferCyDesc = item.optString("currency", "MVR"),
-                customerImgHash = null,
-                benefCategoryId = "BML",
-                profileId = loginId
-            ))
-        }
-        return result
+    private fun parseBusinessOtpChannels(html: String): List<BmlOtpChannel> {
+        return try {
+            val json = extractInertiaJson(html) ?: html
+            val root = JSONObject(json)
+            val props = root.optJSONObject("props") ?: return emptyList()
+            val channels = props.optJSONArray("channels") ?: return emptyList()
+            (0 until channels.length()).map { i ->
+                val c = channels.getJSONObject(i)
+                BmlOtpChannel(
+                    channel = c.optString("channel"),
+                    description = c.optString("description"),
+                    masked = c.optString("masked")
+                )
+            }
+        } catch (_: Exception) { emptyList() }
     }
-
     private fun xsrfToken(): String? =
         cookieStore["www.bankofmaldives.com.mv"]?.firstOrNull { it.name == "XSRF-TOKEN" }?.value
 
@@ -748,4 +427,5 @@ class BmlLoginFlow {
         SecureRandom().nextBytes(bytes)
         return bytes.joinToString("") { "%02x".format(it) }
     }
+
 }

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

@@ -1,10 +1,40 @@
 package sh.sar.basedbank.api.bml
 
+import sh.sar.basedbank.api.models.BankAccount
+
 data class BmlSession(
     val accessToken: String,
-    val deviceId: String
+    val deviceId: String,
+    val refreshToken: String = "",
+    val expiresAt: Long = 0L       // Unix millis; 0 = unknown
+) {
+    fun isExpired() = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
+}
+
+data class BmlProfile(
+    val profileId: String,
+    val name: String,
+    val type: String,           // "Profile" (personal) or "Business"
+    val profileType: String,    // "default" or "business"
+    val autoActivated: Boolean = false  // true for single-profile accounts where server skips the picker
 )
 
+data class BmlOtpChannel(
+    val channel: String,
+    val description: String,
+    val masked: String
+)
+
+sealed class BmlActivationResult {
+    data class Success(
+        val session: BmlSession,
+        val accounts: List<BankAccount>
+    ) : BmlActivationResult()
+    data class NeedsBusinessOtp(
+        val channels: List<BmlOtpChannel>
+    ) : BmlActivationResult()
+}
+
 data class BmlAccountValidation(
     val trnType: String,         // IAT, QTR, DOT
     val validationType: String,  // BML, alias, MIB
@@ -24,6 +54,34 @@ data class BmlTransferResult(
     val errorMessage: String = ""
 )
 
+data class BmlLoanDetail(
+    val loanAmount: Double,
+    val outstandingAmt: Double,     // negative as returned by API
+    val repayAmount: Double,
+    val intRate: Double,
+    val loanStatus: String,
+    val startDate: String,          // ISO8601 e.g. "2023-10-26T00:00:00+05:00"
+    val endDate: String,
+    val noOfRepayOverdue: Int,
+    val overdueAmount: Double
+)
+
+data class BmlQrPayInfo(
+    val requestId: String,       // base64-encoded full QR URL (trxn_hash)
+    val merchantName: String,    // narrative1
+    val merchantAddress: String, // narrative2 + narrative3
+    val amount: Double,          // 0.0 for static QR
+    val currency: String
+)
+
+data class BmlQrPayResult(
+    val success: Boolean,
+    val merchant: String = "",
+    val amount: String = "",
+    val currency: String = "",
+    val errorMessage: String = ""
+)
+
 data class BmlForeignLimit(
     val type: String,
     val used: Double,

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

@@ -0,0 +1,153 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+
+class BmlQrPayClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Resolves a BML QR URL to merchant details.
+     * [base64Url] is the full QR URL Base64-encoded (standard, with padding).
+     */
+    fun lookupPayRequest(session: BmlSession, base64Url: String): BmlQrPayInfo {
+        val request = bmlApiRequest(session,
+            "$BML_BASE_URL/api/mobile/walletpayments/payrequest/$base64Url")
+        return client.newCall(request).execute().use { response ->
+            val body = response.body?.string() ?: throw Exception("No response")
+            val json = JSONObject(body)
+            if (!json.optBoolean("success"))
+                throw Exception(json.optString("message").ifBlank { "Lookup failed" })
+            val payload = json.getJSONObject("payload")
+            val addr2 = payload.optString("narrative2").trim()
+            val addr3 = payload.optString("narrative3").trim()
+            val address = listOf(addr2, addr3).filter { it.isNotBlank() }.joinToString(", ")
+            BmlQrPayInfo(
+                requestId      = payload.optString("trxn_hash"),
+                merchantName   = payload.optString("narrative1").trim(),
+                merchantAddress = address,
+                amount         = payload.optString("amount").toDoubleOrNull() ?: 0.0,
+                currency       = payload.optString("currency").ifBlank { "MVR" }
+            )
+        }
+    }
+
+    /**
+     * Pre-initiate step required for gateway QR (pay.bml.com.mv).
+     * POST without channel — expects code 99 (OTP channel selection required).
+     */
+    fun preInitiatePayment(
+        session: BmlSession,
+        debitAccount: String,
+        requestId: String,
+        amount: Double,
+        currency: String
+    ): Boolean {
+        val jo = JSONObject().apply {
+            put("action", "approve")
+            put("debitAccount", debitAccount)
+            put("requestId", requestId)
+            put("amount", amount)
+            put("currency", currency)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/walletpayments/pay")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val body = response.body?.string() ?: return@use false
+            val json = try { JSONObject(body) } catch (_: Exception) { return@use false }
+            json.optBoolean("success") && json.optInt("code") == 99
+        }
+    }
+
+    /**
+     * Step 1 — initiate: POST with channel but no OTP.
+     * Returns true when server responds with code 22 (OTP generated).
+     */
+    fun initiatePayment(
+        session: BmlSession,
+        debitAccount: String,
+        requestId: String,
+        amount: Double,
+        currency: String
+    ): Boolean {
+        val jo = JSONObject().apply {
+            put("action", "approve")
+            put("debitAccount", debitAccount)
+            put("requestId", requestId)
+            put("amount", amount)
+            put("currency", currency)
+            put("channel", "token")
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/walletpayments/pay")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val body = response.body?.string() ?: return@use false
+            val json = try { JSONObject(body) } catch (_: Exception) { return@use false }
+            json.optBoolean("success") && json.optInt("code") == 22
+        }
+    }
+
+    /**
+     * Step 2 — confirm: POST with channel + OTP.
+     * Returns [BmlQrPayResult] with success/error.
+     */
+    fun confirmPayment(
+        session: BmlSession,
+        debitAccount: String,
+        requestId: String,
+        amount: Double,
+        currency: String,
+        otp: String
+    ): BmlQrPayResult {
+        val jo = JSONObject().apply {
+            put("action", "approve")
+            put("debitAccount", debitAccount)
+            put("requestId", requestId)
+            put("amount", amount)
+            put("currency", currency)
+            put("channel", "token")
+            put("otp", otp)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/walletpayments/pay")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val body = response.body?.string()
+                ?: return@use BmlQrPayResult(false, errorMessage = "No response")
+            val json = try { JSONObject(body) } catch (_: Exception) {
+                return@use BmlQrPayResult(false, errorMessage = "Parse error")
+            }
+            if (!json.optBoolean("success")) {
+                BmlQrPayResult(false, errorMessage = json.optString("message").ifBlank { "Payment failed" })
+            } else {
+                val payload = json.optJSONObject("payload")
+                BmlQrPayResult(
+                    success  = true,
+                    merchant = payload?.optString("merchant") ?: "",
+                    amount   = payload?.optString("amount") ?: "",
+                    currency = payload?.optString("currency") ?: currency
+                )
+            }
+        }
+    }
+}

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

@@ -0,0 +1,100 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+
+class BmlTransferClient {
+
+    private val client = newBmlApiClient()
+
+    /** Step 1: initiate the transfer (triggers OTP). Returns true if the server accepted it. */
+    fun initiateTransfer(
+        session: BmlSession,
+        debitAccount: String,
+        creditAccount: String,
+        amount: Double,
+        transferType: String,
+        currency: String,
+        bank: String? = null,
+        channel: String = "token"
+    ): Boolean {
+        val jo = JSONObject().apply {
+            put("debitAccount", debitAccount)
+            put("creditAccount", creditAccount)
+            put("debitAmount", amount)
+            put("transfertype", transferType)
+            put("currency", currency)
+            put("channel", channel)
+            if (bank != null) put("bank", bank)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/transfer")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string() ?: return@use false
+            try {
+                val json = JSONObject(bodyStr)
+                json.optBoolean("success") && json.optInt("code") == 22
+            } catch (_: Exception) { false }
+        }
+    }
+
+    /** Step 2: confirm with OTP. Returns a [BmlTransferResult] with success/reference/error. */
+    fun confirmTransfer(
+        session: BmlSession,
+        debitAccount: String,
+        creditAccount: String,
+        amount: Double,
+        transferType: String,
+        currency: String,
+        otp: String,
+        remarks: String = "",
+        bank: String? = null,
+        channel: String = "token"
+    ): BmlTransferResult {
+        val jo = JSONObject().apply {
+            put("debitAccount", debitAccount)
+            put("creditAccount", creditAccount)
+            put("debitAmount", amount)
+            put("transfertype", transferType)
+            put("currency", currency)
+            put("channel", channel)
+            put("otp", otp)
+            if (remarks.isNotBlank()) put("remarks", remarks)
+            if (bank != null) put("bank", bank)
+        }
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/transfer")
+            .post(jo.toString().toRequestBody("application/json".toMediaType()))
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string()
+                ?: return@use BmlTransferResult(false, errorMessage = "No response")
+            try {
+                val json = JSONObject(bodyStr)
+                if (!json.optBoolean("success")) {
+                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
+                } else {
+                    val payload = json.optJSONObject("payload")
+                    BmlTransferResult(
+                        success   = true,
+                        reference = payload?.optString("reference") ?: "",
+                        timestamp = payload?.optString("timestamp") ?: "",
+                        message   = json.optString("message")
+                    )
+                }
+            } catch (_: Exception) { BmlTransferResult(false, errorMessage = "Parse error") }
+        }
+    }
+}

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

@@ -0,0 +1,79 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.Request
+import org.json.JSONObject
+
+class BmlValidateClient {
+
+    private val client = newBmlApiClient()
+
+    fun validateAccount(session: BmlSession, input: String): BmlAccountValidation? {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/validate/account/$input")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            val payload = root.optJSONObject("payload") ?: return null
+            val trnType = payload.optString("trnType", "")
+            val validationType = payload.optString("validationType", "")
+            if (validationType == "alias") {
+                val cdtrAcct = payload.optJSONObject("CdtrAcct") ?: return null
+                BmlAccountValidation(
+                    trnType        = trnType,
+                    validationType = validationType,
+                    account        = cdtrAcct.optString("Acct"),
+                    originalInput  = input,
+                    name           = payload.optString("contact_name").trim(),
+                    alias          = null,
+                    currency       = payload.optString("currency", "MVR"),
+                    agnt           = cdtrAcct.optString("FinInstnId").takeIf { it.isNotBlank() }
+                )
+            } else {
+                BmlAccountValidation(
+                    trnType        = trnType,
+                    validationType = validationType,
+                    account        = payload.optString("account"),
+                    originalInput  = input,
+                    name           = payload.optString("name"),
+                    alias          = payload.optString("alias").takeIf { it.isNotBlank() && it != "null" },
+                    currency       = payload.optString("currency", "MVR")
+                )
+            }
+        } catch (_: Exception) { null }
+    }
+
+    fun verifyMibAccount(session: BmlSession, account: String): BmlAccountValidation? {
+        val resp = client.newCall(
+            Request.Builder().url("$BML_BASE_URL/api/mobile/favara/account-verification/$account/MIB")
+                .header("Authorization", "Bearer ${session.accessToken}")
+                .header("User-Agent", BML_USER_AGENT)
+                .header("x-app-version", BML_APP_VERSION)
+                .header("Accept", "application/json")
+                .build()
+        ).execute()
+        val json = resp.body?.string() ?: return null
+        resp.close()
+        return try {
+            val root = JSONObject(json)
+            if (!root.optBoolean("success")) return null
+            BmlAccountValidation(
+                trnType        = "DOT",
+                validationType = "MIB",
+                account        = root.optString("account"),
+                originalInput  = account,
+                name           = root.optString("name"),
+                alias          = null,
+                currency       = "MVR",
+                agnt           = root.optString("agnt").takeIf { it.isNotBlank() }
+            )
+        } catch (_: Exception) { null }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayAccountClient.kt

@@ -0,0 +1,81 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankServerException
+import java.util.concurrent.TimeUnit
+
+class FahipayAccountClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    private fun Request.Builder.auth(session: FahipaySession): Request.Builder = this
+        .header("authid", session.authId)
+        .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+        .header("content-type", "multipart/form-data")
+        .header("User-Agent", UA)
+
+    fun fetchProfile(session: FahipaySession): FahipayUserProfile {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getprofile/?lang=en")
+                .auth(session).build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: throw Exception("Empty profile response")
+        resp.close()
+        if (code in 500..599) throw BankServerException("Fahipay")
+        val obj = JSONObject(json)
+        val props = obj.optJSONObject("props") ?: JSONObject()
+        return FahipayUserProfile(
+            fullName = obj.optString("fullname").trim(),
+            email = obj.optString("email").trim(),
+            mobile = obj.optString("mobile").trim(),
+            nid = obj.optString("nid").trim(),
+            profileId = obj.optString("profileID").trim(),
+            walletAccount = props.optString("acc", ""),
+            linkedAccounts = props.optJSONObject("accs")?.toString() ?: "{}"
+        )
+    }
+
+    fun fetchBalance(session: FahipaySession): Double {
+        val resp = client.newCall(
+            Request.Builder().url("$BASE_URL/actions/getbalance/?lang=en")
+                .auth(session).build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return 0.0
+        resp.close()
+        if (code in 500..599) throw BankServerException("Fahipay")
+        return try {
+            val obj = JSONObject(json)
+            if (obj.optBoolean("error")) 0.0 else obj.optDouble("balance", 0.0)
+        } catch (_: Exception) { 0.0 }
+    }
+
+    fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): BankAccount =
+        BankAccount(
+            bank             = "FAHIPAY",
+            profileName      = profile.fullName.ifBlank { "Fahipay" },
+            profileType      = "FAHIPAY",
+            accountNumber    = profile.walletAccount,
+            accountBriefName = "Fahipay Wallet",
+            currencyName     = "MVR",
+            accountTypeName  = "Digital Wallet",
+            availableBalance = "%.2f".format(balance),
+            currentBalance   = "%.2f".format(balance),
+            blockedAmount    = "0.00",
+            mvrBalance       = "%.2f".format(balance),
+            statusDesc       = "Active",
+            profileImageHash = null,
+            loginTag         = loginTag,
+            internalId       = profile.profileId
+        )
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayContactsClient.kt

@@ -0,0 +1,69 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.util.AccountInputParser
+import java.util.concurrent.TimeUnit
+
+class FahipayContactsClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
+        val endpoints = listOf(
+            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
+            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
+            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
+            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
+        )
+        val result = mutableListOf<FahipayContactGroup>()
+        for ((catId, label, page) in endpoints) {
+            try {
+                val resp = client.newCall(
+                    Request.Builder()
+                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
+                        .header("authid", session.authId)
+                        .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+                        .header("User-Agent", UA)
+                        .build()
+                ).execute()
+                val json = resp.body?.string() ?: continue
+                resp.close()
+                val obj = JSONObject(json)
+                val groupObj = obj.optJSONObject(page) ?: continue
+                val contacts = mutableListOf<BankContact>()
+                for (key in groupObj.keys()) {
+                    val entry = groupObj.getJSONObject(key)
+                    val number = entry.optString("number")
+                    val name = entry.optString("name").trim().ifBlank { number }
+                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
+                    contacts.add(BankContact(
+                        benefNo          = "fp_${page}_$number",
+                        benefName        = "",
+                        benefNickName    = name,
+                        benefAccount     = number,
+                        benefType        = "FAHIPAY",
+                        bankColor        = "#FF6B00",
+                        benefBankName    = label,
+                        bankCode         = "",
+                        benefStatus      = "",
+                        transferCyDesc   = "",
+                        customerImgHash  = null,
+                        benefCategoryId  = catId,
+                        profileId        = ""
+                    ))
+                }
+                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
+            } catch (_: Exception) {}
+        }
+        return result
+    }
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayHistoryClient.kt

@@ -0,0 +1,63 @@
+package sh.sar.basedbank.api.fahipay
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.models.BankTransaction
+import java.util.concurrent.TimeUnit
+
+class FahipayHistoryClient {
+
+    private val BASE_URL = "https://fahipay.mv"
+    private val UA = "okhttp/4.12.0"
+    private val PAGE_SIZE = 15
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchHistory(
+        session: FahipaySession,
+        accountDisplayName: String,
+        accountNumber: String,
+        start: Int
+    ): Pair<List<BankTransaction>, Int> {
+        val resp = client.newCall(
+            Request.Builder()
+                .url("$BASE_URL/actions/activity/?s=$start&l=$PAGE_SIZE&lang=en")
+                .header("authid", session.authId)
+                .header("Cookie", "__Secure-sess=${session.sessionCookie}")
+                .header("content-type", "multipart/form-data")
+                .header("User-Agent", UA)
+                .build()
+        ).execute()
+        val code = resp.code
+        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
+        resp.close()
+        if (code in 500..599) throw BankServerException("Fahipay")
+        return try {
+            val obj = JSONObject(json)
+            val total = obj.optInt("total", 0)
+            val entries = obj.optJSONArray("entries") ?: return Pair(emptyList(), total)
+            val list = (0 until entries.length()).map { i ->
+                val e = entries.getJSONObject(i)
+                BankTransaction(
+                    id = e.optString("transaction"),
+                    date = e.optString("date"),
+                    description = e.optString("name").trim(),
+                    amount = e.optDouble("amount", 0.0),
+                    currency = "MVR",
+                    counterpartyName = e.optString("details").takeIf { it.isNotBlank() },
+                    reference = e.optString("transaction").takeIf { it.isNotBlank() },
+                    accountNumber = accountNumber,
+                    accountDisplayName = accountDisplayName,
+                    source = "FAHIPAY",
+                    iconUrl = e.optString("icon").takeIf { it.isNotBlank() }
+                )
+            }
+            Pair(list, total)
+        } catch (_: Exception) { Pair(emptyList(), 0) }
+    }
+}

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt

@@ -10,19 +10,13 @@ import okhttp3.Request
 import okhttp3.RequestBody
 import okio.Buffer
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.Transaction
-import sh.sar.basedbank.util.AccountInputParser
 import java.security.SecureRandom
 import java.util.concurrent.TimeUnit
 
 class FahipayLoginFlow {
 
     private val BASE_URL = "https://fahipay.mv"
-    private val UA_WEBVIEW = "Mozilla/5.0 (Linux; Android 14; ${Build.MODEL} Build/AP2A.240905.003; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
-    private val UA_OKHTTP = "okhttp/4.12.0"
-    private val PAGE_SIZE = 15
+    private val UA_WEBVIEW = "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; ${Build.MODEL} Build/AP2A.240905.003; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
 
     private val cookieStore = mutableMapOf<String, MutableList<Cookie>>()
     private val cookieJar = object : CookieJar {
@@ -144,165 +138,6 @@ class FahipayLoginFlow {
             ?: throw Exception("No authID in OTP response")
     }
 
-    fun fetchProfile(session: FahipaySession): FahipayUserProfile {
-        val resp = client.newCall(
-            Request.Builder().url("$BASE_URL/actions/getprofile/?lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: throw Exception("Empty profile response")
-        resp.close()
-
-        val obj = JSONObject(json)
-        val props = obj.optJSONObject("props") ?: JSONObject()
-        return FahipayUserProfile(
-            fullName = obj.optString("fullname").trim(),
-            email = obj.optString("email").trim(),
-            mobile = obj.optString("mobile").trim(),
-            nid = obj.optString("nid").trim(),
-            profileId = obj.optString("profileID").trim(),
-            walletAccount = props.optString("acc", ""),
-            linkedAccounts = props.optJSONObject("accs")?.toString() ?: "{}"
-        )
-    }
-
-    fun fetchBalance(session: FahipaySession): Double {
-        val resp = client.newCall(
-            Request.Builder().url("$BASE_URL/actions/getbalance/?lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return 0.0
-        resp.close()
-        return try {
-            val obj = JSONObject(json)
-            if (obj.optBoolean("error")) 0.0 else obj.optDouble("balance", 0.0)
-        } catch (_: Exception) { 0.0 }
-    }
-
-    fun buildAccount(profile: FahipayUserProfile, balance: Double, loginTag: String): MibAccount =
-        MibAccount(
-            bank        = "FAHIPAY",
-            profileName = profile.fullName.ifBlank { "Fahipay" },
-            profileType = "FAHIPAY",
-            accountNumber = profile.walletAccount,
-            accountBriefName = "Fahipay Wallet",
-            currencyName = "MVR",
-            accountTypeName = "Digital Wallet",
-            availableBalance = "%.2f".format(balance),
-            currentBalance = "%.2f".format(balance),
-            blockedAmount = "0.00",
-            mvrBalance = "%.2f".format(balance),
-            statusDesc = "Active",
-            profileImageHash = null,
-            loginTag = loginTag,
-            internalId = profile.profileId
-        )
-
-    /**
-     * Fetches paginated activity history.
-     * @param start  offset (0-based)
-     * @return Pair of (transactions, total count)
-     */
-    fun fetchHistory(
-        session: FahipaySession,
-        accountDisplayName: String,
-        accountNumber: String,
-        start: Int
-    ): Pair<List<Transaction>, Int> {
-        val resp = client.newCall(
-            Request.Builder()
-                .url("$BASE_URL/actions/activity/?s=$start&l=$PAGE_SIZE&lang=en")
-                .header("authid", session.authId)
-                .header("content-type", "multipart/form-data")
-                .header("User-Agent", UA_OKHTTP)
-                .build()
-        ).execute()
-        val json = resp.body?.string() ?: return Pair(emptyList(), 0)
-        resp.close()
-        return try {
-            val obj = JSONObject(json)
-            val total = obj.optInt("total", 0)
-            val entries = obj.optJSONArray("entries") ?: return Pair(emptyList(), total)
-            val list = (0 until entries.length()).map { i ->
-                val e = entries.getJSONObject(i)
-                Transaction(
-                    id = e.optString("transaction"),
-                    date = e.optString("date"),
-                    description = e.optString("name").trim(),
-                    amount = e.optDouble("amount", 0.0),
-                    currency = "MVR",
-                    counterpartyName = e.optString("details").takeIf { it.isNotBlank() },
-                    reference = e.optString("transaction").takeIf { it.isNotBlank() },
-                    accountNumber = accountNumber,
-                    accountDisplayName = accountDisplayName,
-                    source = "FAHIPAY",
-                    iconUrl = e.optString("icon").takeIf { it.isNotBlank() }
-                )
-            }
-            Pair(list, total)
-        } catch (_: Exception) { Pair(emptyList(), 0) }
-    }
-
-    /**
-     * Fetches Fahipay saved favourites for the 4 service groups.
-     * Only includes entries whose number is a valid 7-digit Maldivian phone number (starts with 7 or 9).
-     * Groups with no valid entries are omitted.
-     */
-    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
-        val endpoints = listOf(
-            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
-            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
-            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
-            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
-        )
-        val result = mutableListOf<FahipayContactGroup>()
-        for ((catId, label, page) in endpoints) {
-            try {
-                val resp = client.newCall(
-                    Request.Builder()
-                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
-                        .header("authid", session.authId)
-                        .header("User-Agent", UA_OKHTTP)
-                        .build()
-                ).execute()
-                val json = resp.body?.string() ?: continue
-                resp.close()
-                val obj = JSONObject(json)
-                // Empty group comes back as a JSON array [], not an object — optJSONObject returns null
-                val groupObj = obj.optJSONObject(page) ?: continue
-                val contacts = mutableListOf<MibBeneficiary>()
-                for (key in groupObj.keys()) {
-                    val entry = groupObj.getJSONObject(key)
-                    val number = entry.optString("number")
-                    val name = entry.optString("name").trim().ifBlank { number }
-                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
-                    contacts.add(MibBeneficiary(
-                        benefNo = "fp_${page}_$number",
-                        benefName = "",
-                        benefNickName = name,
-                        benefAccount = number,
-                        benefType = "FAHIPAY",
-                        bankColor = "#FF6B00",
-                        benefBankName = label,
-                        bankCode = "",
-                        benefStatus = "",
-                        transferCyDesc = "",
-                        customerImgHash = null,
-                        benefCategoryId = catId,
-                        profileId = ""
-                    ))
-                }
-                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
-            } catch (_: Exception) {}
-        }
-        return result
-    }
-
     private fun deviceParts(deviceUuid: String): Array<Pair<String, String>> = arrayOf(
         "device[available]" to "true",
         "device[platform]" to "Android",

app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt

@@ -1,5 +1,7 @@
 package sh.sar.basedbank.api.fahipay
 
+import sh.sar.basedbank.api.models.BankContact
+
 data class FahipaySession(
     val authId: String,
     val sessionCookie: String
@@ -23,5 +25,5 @@ data class FahipayLoginStep(
 data class FahipayContactGroup(
     val categoryId: String,
     val label: String,
-    val contacts: List<sh.sar.basedbank.api.mib.MibBeneficiary>
+    val contacts: List<BankContact>
 )

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

@@ -0,0 +1,63 @@
+package sh.sar.basedbank.api.mib
+
+import android.os.Build
+import okhttp3.FormBody
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import org.json.JSONObject
+import java.util.concurrent.TimeUnit
+
+class MibCardsClient {
+
+    private val BASE_WV_URL = "https://faisamobilex-wv.mib.com.mv"
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(20, TimeUnit.SECONDS)
+        .readTimeout(20, TimeUnit.SECONDS)
+        .build()
+
+    private fun cookieHeader(session: MibSession) =
+        "mbmodel=IOS-1.0; xxid=${session.xxid}; IBSID=${session.xxid}; " +
+        "mbnonce=${session.nonceGenerator}; time-tracker=597"
+
+    fun fetchCards(session: MibSession, loginTag: String): List<MibCard> {
+        val body = FormBody.Builder()
+            .add("name", "")
+            .add("start", "1")
+            .add("end", "50")
+            .add("includeCount", "1")
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxDebitCard/fetchCardInfos")
+            .post(body)
+            .header("Cookie", cookieHeader(session))
+            .header("User-Agent", "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36")
+            .header("X-Requested-With", "XMLHttpRequest")
+            .header("Accept", "*/*")
+            .header("Origin", BASE_WV_URL)
+            .header("Referer", "$BASE_WV_URL//debitCards?dashurl=1")
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string() ?: return emptyList()
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) { return emptyList() }
+            if (!json.optBoolean("success")) return emptyList()
+            val data = json.optJSONArray("data") ?: return emptyList()
+            (0 until data.length()).map { i ->
+                val item = data.getJSONObject(i)
+                MibCard(
+                    cardId = item.optString("cardId"),
+                    maskedCardNumber = item.optString("maskedCardNumber"),
+                    cardStatus = item.optString("cardStatus"),
+                    cardType = item.optString("cardType"),
+                    cardTypeDesc = item.optString("cardTypeDesc"),
+                    customerId = item.optString("customerId"),
+                    phoneNumber = item.optString("phoneNumber"),
+                    cardHolderName = item.optString("cardHolderName"),
+                    loginTag = loginTag
+                )
+            }
+        }
+    }
+}

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.api.mib
 
+import android.os.Build
 import okhttp3.FormBody
 import okhttp3.OkHttpClient
 import okhttp3.Request
@@ -24,7 +25,7 @@ class MibContactsClient {
         .header("Cookie", cookieHeader(session))
         .header(
             "User-Agent",
-            "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+            "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")
         .header("Accept", "*/*")

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.api.mib
 
+import android.os.Build
 import okhttp3.OkHttpClient
 import okhttp3.Request
 import java.util.concurrent.TimeUnit
@@ -27,7 +28,7 @@ class MibFinancingClient {
             .header("Cookie", cookieHeader)
             .header(
                 "User-Agent",
-                "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+                "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", "mv.com.mib.faisamobilex")
             .get()

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

@@ -1,9 +1,11 @@
 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.api.models.BankServerException
 import java.util.concurrent.TimeUnit
 
 class MibHistoryClient {
@@ -50,7 +52,7 @@ class MibHistoryClient {
             .header("Cookie", cookieHeader(session))
             .header(
                 "User-Agent",
-                "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+                "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")
             .header("Accept", "*/*")
@@ -59,6 +61,7 @@ class MibHistoryClient {
             .build()
 
         return client.newCall(request).execute().use { response ->
+            if (response.code in 500..599) throw BankServerException("MIB")
             val bodyStr = response.body?.string() ?: return Pair(emptyList(), 0)
             val json = try { JSONObject(bodyStr) } catch (_: Exception) { return Pair(emptyList(), 0) }
             if (!json.optBoolean("success")) return Pair(emptyList(), 0)

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

@@ -39,7 +39,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         .connectTimeout(30, TimeUnit.SECONDS)
         .readTimeout(30, TimeUnit.SECONDS)
         .writeTimeout(30, TimeUnit.SECONDS)
-        .addInterceptor { chain ->
+        .addNetworkInterceptor { chain ->
             val req = chain.request().newBuilder()
                 .header("User-Agent", "android/1.0")
                 .header("Accept", "application/json")
@@ -161,7 +161,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
                                 bank             = "MIB",
                                 profileName      = profile.name,
                                 profileType      = profile.profileType,
-                                cifType          = profile.cifType,
+                                productCode      = profile.cifType,
                                 accountNumber    = a.optString("accountNumber"),
                                 accountBriefName = a.optString("accountBriefName"),
                                 currencyName     = a.optString("currencyName"),
@@ -318,7 +318,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
                         bank        = "MIB",
                         profileName = profile.name,
                         profileType = profile.profileType,
-                        cifType     = profile.cifType,
+                        productCode = profile.cifType,
                         accountNumber = a.optString("accountNumber"),
                         accountBriefName = a.optString("accountBriefName"),
                         currencyName = a.optString("currencyName"),
@@ -356,44 +356,6 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         }
     }
 
-    data class MibPersonalProfile(
-        val fullName: String,
-        val username: String,
-        val email: String,
-        val mobile: String,
-        val enrolled: String
-    )
-
-    /** Fetches the customer's profile info from the Faisanet personal profile page. */
-    fun fetchPersonalProfile(session: MibSession): MibPersonalProfile? {
-        val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
-            "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
-        val request = Request.Builder()
-            .url("https://faisamobilex-wv.mib.com.mv/personalProfile")
-            .get()
-            .header("Cookie", cookieHeader)
-            .build()
-        return try {
-            val resp = client.newCall(request).execute()
-            val html = resp.body?.string() ?: return null
-            resp.close()
-            fun scrape(label: String): String {
-                val r = Regex("""<span[^>]*>\s*<b[^>]*>\s*$label\s*</b[^>]*>.*?<span[^>]*>([^<]+)</span>""",
-                    setOf(RegexOption.DOT_MATCHES_ALL, RegexOption.IGNORE_CASE))
-                return r.find(html)?.groupValues?.get(1)?.trim() ?: ""
-            }
-            val nameRegex = Regex("""<h5 class="mb-1 text-dark fw-semibold">\s*([^<]+)\s*</h5>""")
-            val fullName = nameRegex.find(html)?.groupValues?.get(1)?.trim() ?: return null
-            MibPersonalProfile(
-                fullName = fullName,
-                username = scrape("Username:"),
-                email = scrape("Email:"),
-                mobile = scrape("Mobile no:"),
-                enrolled = scrape("Enrolled:")
-            )
-        } catch (_: Exception) { null }
-    }
-
     /** Fetches a profile image via P41. Returns base64 JPEG string, or null if not found. */
     fun fetchProfileImage(session: MibSession, imageHash: String): String? {
         val payload = baseData(session, "P41").apply {
@@ -404,6 +366,34 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         return resp.optString("profileImage").takeIf { it.isNotBlank() }
     }
 
+    /**
+     * Uploads a profile image via P40.
+     * [imageBase64] is a base64-encoded JPEG string.
+     * Returns the new imageHash on success, or null on failure.
+     */
+    fun uploadProfileImage(session: MibSession, profile: MibProfile, imageBase64: String): String? {
+        val payload = baseData(session, "P40").apply {
+            put("profileId", profile.profileId)
+            put("profileImage", imageBase64)
+        }
+        val resp = doRequest(session, payload, "n")
+        if (!resp.optBoolean("success", false)) return null
+        return resp.optString("imageHash").takeIf { it.isNotBlank() }
+            ?: resp.optString("customerImage").takeIf { it.isNotBlank() }
+    }
+
+    /**
+     * Deletes the profile image via P42.
+     * Returns true on success.
+     */
+    fun deleteProfileImage(session: MibSession, profile: MibProfile): Boolean {
+        val payload = baseData(session, "P42").apply {
+            put("profileId", profile.profileId)
+        }
+        val resp = doRequest(session, payload, "n")
+        return resp.optBoolean("success", false)
+    }
+
     private fun post(body: FormBody): String {
         val request = Request.Builder()
             .url(BASE_URL)
@@ -411,6 +401,7 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
             .build()
         val response = client.newCall(request).execute()
         if (response.code == 419) throw SessionExpiredException()
+        if (response.code in 500..599) throw sh.sar.basedbank.api.models.BankServerException("MIB")
         return response.body?.string() ?: throw IllegalStateException("Empty response body")
     }
 

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

@@ -1,5 +1,16 @@
 package sh.sar.basedbank.api.mib
 
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+import sh.sar.basedbank.api.models.BankTransaction
+
+// Kept for source compatibility within the mib package
+typealias MibAccount = BankAccount
+typealias MibBeneficiary = BankContact
+typealias Transaction = BankTransaction
+typealias MibBeneficiaryCategory = BankContactCategory
+
 data class MibSession(
     val appId: String,
     val xxid: String,
@@ -19,25 +30,6 @@ data class MibProfile(
     val customerImage: String?
 )
 
-data class MibAccount(
-    val bank: String,             // "MIB", "BML", "FAHIPAY" — set by the login flow
-    val profileName: String,
-    val profileType: String,
-    val cifType: String = "",     // MIB: human-readable profile category (e.g. "Individual", "Sole Propr"); empty for other banks
-    val accountNumber: String,
-    val accountBriefName: String,
-    val currencyName: String,
-    val accountTypeName: String,
-    val availableBalance: String,
-    val currentBalance: String,
-    val blockedAmount: String,
-    val mvrBalance: String,
-    val statusDesc: String,
-    val profileImageHash: String?,
-    val loginTag: String = "",
-    val profileId: String = "",  // MIB profile ID; empty for BML accounts
-    val internalId: String = ""  // BML internal UUID; empty for MIB accounts
-)
 
 data class MibTransferResult(
     val success: Boolean,
@@ -46,27 +38,6 @@ data class MibTransferResult(
     val errorMessage: String = ""
 )
 
-data class MibBeneficiaryCategory(
-    val id: String,
-    val categoryName: String,
-    val numBenef: Int
-)
-
-data class MibBeneficiary(
-    val benefNo: String,
-    val benefName: String,
-    val benefNickName: String,
-    val benefAccount: String,
-    val benefType: String,       // L=Local, I=Internal(MIB), S=Swift
-    val bankColor: String,
-    val benefBankName: String,
-    val bankCode: String,
-    val benefStatus: String,
-    val transferCyDesc: String,
-    val customerImgHash: String?,
-    val benefCategoryId: String,  // "0" = uncategorized
-    val profileId: String = ""    // MIB profile ID; empty for BML contacts
-)
 
 data class MibIpsAccountInfo(
     val accountName: String,
@@ -74,18 +45,17 @@ data class MibIpsAccountInfo(
     val bankId: String
 )
 
-data class Transaction(
-    val id: String,
-    val date: String,                   // "YYYY-MM-DD HH:mm:ss" for MIB, ISO8601 for BML
-    val description: String,
-    val amount: Double,                 // negative = debit, positive = credit
-    val currency: String,
-    val counterpartyName: String?,
-    val reference: String?,
-    val accountNumber: String,
-    val accountDisplayName: String,
-    val source: String,                 // "MIB", "BML", "BML_CARD", "FAHIPAY"
-    val iconUrl: String? = null         // merchant icon URL (Fahipay only)
+
+data class MibCard(
+    val cardId: String,
+    val maskedCardNumber: String,
+    val cardStatus: String,
+    val cardType: String,
+    val cardTypeDesc: String,
+    val customerId: String,
+    val phoneNumber: String,
+    val cardHolderName: String,
+    val loginTag: String
 )
 
 data class MibFinanceDeal(

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

@@ -0,0 +1,50 @@
+package sh.sar.basedbank.api.mib
+
+import okhttp3.OkHttpClient
+import okhttp3.Request
+import java.util.concurrent.TimeUnit
+
+data class MibPersonalProfile(
+    val fullName: String,
+    val username: String,
+    val email: String,
+    val mobile: String,
+    val enrolled: String
+)
+
+class MibProfileClient {
+
+    private val client = OkHttpClient.Builder()
+        .connectTimeout(30, TimeUnit.SECONDS)
+        .readTimeout(30, TimeUnit.SECONDS)
+        .build()
+
+    fun fetchPersonalProfile(session: MibSession): MibPersonalProfile? {
+        val cookieHeader = "mbmodel=IOS-1.0; xxid=${session.xxid}; " +
+            "IBSID=${session.xxid}; mbnonce=${session.nonceGenerator}; time-tracker=597"
+        val request = Request.Builder()
+            .url("https://faisamobilex-wv.mib.com.mv/personalProfile")
+            .get()
+            .header("Cookie", cookieHeader)
+            .build()
+        return try {
+            val resp = client.newCall(request).execute()
+            val html = resp.body?.string() ?: return null
+            resp.close()
+            fun scrape(label: String): String {
+                val r = Regex("""<span[^>]*>\s*<b[^>]*>\s*$label\s*</b[^>]*>.*?<span[^>]*>([^<]+)</span>""",
+                    setOf(RegexOption.DOT_MATCHES_ALL, RegexOption.IGNORE_CASE))
+                return r.find(html)?.groupValues?.get(1)?.trim() ?: ""
+            }
+            val nameRegex = Regex("""<h5 class="mb-1 text-dark fw-semibold">\s*([^<]+)\s*</h5>""")
+            val fullName = nameRegex.find(html)?.groupValues?.get(1)?.trim() ?: return null
+            MibPersonalProfile(
+                fullName = fullName,
+                username = scrape("Username:"),
+                email = scrape("Email:"),
+                mobile = scrape("Mobile no:"),
+                enrolled = scrape("Enrolled:")
+            )
+        } catch (_: Exception) { null }
+    }
+}

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.api.mib
 
+import android.os.Build
 import okhttp3.FormBody
 import okhttp3.OkHttpClient
 import okhttp3.Request
@@ -26,7 +27,7 @@ class MibTransferClient {
         .header("Cookie", cookieHeader(session))
         .header(
             "User-Agent",
-            "Mozilla/5.0 (Linux; Android 14; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+            "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")
         .header("Accept", "*/*")
@@ -68,6 +69,7 @@ class MibTransferClient {
             .withWvHeaders(session)
             .build()
         return client.newCall(request).execute().use { response ->
+            if (response.code == 419) throw SessionExpiredException()
             val bodyStr = response.body?.string() ?: ""
             val json = try { JSONObject(bodyStr) } catch (_: Exception) { null }
             if (json == null || !json.optBoolean("success")) {

app/src/main/java/sh/sar/basedbank/api/models/BankModels.kt

@@ -0,0 +1,75 @@
+package sh.sar.basedbank.api.models
+
+/** Thrown by a bank API client when the server returns an HTTP 5xx response. */
+class BankServerException(val bankName: String) : Exception("Server error from $bankName")
+
+/**
+ * Unified account model used across all banks (MIB, BML, Fahipay, ...).
+ * The [bank] field identifies which bank owns this account.
+ */
+data class BankAccount(
+    val bank: String,             // "MIB", "BML", "FAHIPAY" — set by the login flow
+    val profileName: String,
+    val profileType: String,
+    val productCode: String = "",  // bank-specific product/subtype code: MIB: CIF type label ("Individual", "Sole Propr"); BML: card product code ("C8201", "C1007")
+    val accountNumber: String,
+    val accountBriefName: String,
+    val currencyName: String,
+    val accountTypeName: String,
+    val availableBalance: String,
+    val currentBalance: String,
+    val blockedAmount: String,
+    val mvrBalance: String,
+    val statusDesc: String,
+    val profileImageHash: String?,
+    val loginTag: String = "",
+    val profileId: String = "",   // profile ID used by the bank; empty if not applicable
+    val internalId: String = ""   // bank-internal UUID or ID; empty if not applicable
+)
+
+/**
+ * Unified contact/beneficiary model used across all banks.
+ * Each bank may interpret fields differently; see per-bank notes below.
+ */
+data class BankContact(
+    val benefNo: String,
+    val benefName: String,
+    val benefNickName: String,
+    val benefAccount: String,
+    val benefType: String,        // MIB: L=Local, I=Internal, S=Swift; BML: "I"; Fahipay: "FAHIPAY"
+    val bankColor: String,
+    val benefBankName: String,
+    val bankCode: String,
+    val benefStatus: String,
+    val transferCyDesc: String,
+    val customerImgHash: String?,
+    val benefCategoryId: String,  // MIB: numeric category ID or "0"; BML: "BML"; Fahipay: "FAHIPAY"
+    val profileId: String = ""    // owning profile ID; empty where not applicable
+)
+
+/**
+ * Contact category (group) used across MIB and Fahipay.
+ */
+data class BankContactCategory(
+    val id: String,
+    val categoryName: String,
+    val numBenef: Int
+)
+
+/**
+ * Unified transaction model used across all banks.
+ * [source] identifies the originating bank/account type.
+ */
+data class BankTransaction(
+    val id: String,
+    val date: String,                   // "YYYY-MM-DD HH:mm:ss" (MIB/BML normalised) or ISO8601
+    val description: String,
+    val amount: Double,                 // negative = debit, positive = credit
+    val currency: String,
+    val counterpartyName: String?,
+    val reference: String?,
+    val accountNumber: String,
+    val accountDisplayName: String,
+    val source: String,                 // "MIB", "BML", "BML_CARD", "FAHIPAY"
+    val iconUrl: String? = null         // merchant icon URL (Fahipay only)
+)

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

@@ -9,8 +9,8 @@ import android.view.View
 import android.view.ViewGroup
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import sh.sar.basedbank.api.mib.MibAccount
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankTransaction
 import sh.sar.basedbank.util.AccountHistoryDisplay
 import sh.sar.basedbank.databinding.ItemAccountHistoryHeaderBinding
 import sh.sar.basedbank.databinding.ItemDateHeaderBinding
@@ -21,13 +21,13 @@ import java.util.Date
 import java.util.Locale
 
 class AccountHistoryAdapter(
-    private val account: MibAccount,
+    private val account: BankAccount,
     private val display: AccountHistoryDisplay
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
         data class DateHeader(val label: String) : Item()
-        data class Trx(val transaction: Transaction) : Item()
+        data class Trx(val transaction: BankTransaction) : Item()
     }
 
     private val displayItems = mutableListOf<Item>()
@@ -36,7 +36,18 @@ class AccountHistoryAdapter(
     private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
-    var onTransferClick: ((MibAccount) -> Unit)? = null
+    var onTransferClick: ((BankAccount) -> Unit)? = null
+    private var hideAmounts: Boolean = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyItemChanged(0) // refresh header card
+        // refresh all transaction rows
+        for (i in displayItems.indices) {
+            if (displayItems[i] is Item.Trx) notifyItemChanged(i + 1)
+        }
+    }
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -73,7 +84,7 @@ class AccountHistoryAdapter(
      * Display the given (already sorted + filtered) list with date group headers.
      * Silently resets the loading footer so notifyDataSetChanged covers everything.
      */
-    fun setTransactions(transactions: List<Transaction>) {
+    fun setTransactions(transactions: List<BankTransaction>) {
         _showLoadingFooter = false
         displayItems.clear()
         lastInsertedDateKey = ""
@@ -94,7 +105,7 @@ class AccountHistoryAdapter(
      * Appends [newTransactions] (assumed to be older than all existing items) using incremental
      * notifications, so the RecyclerView doesn't reset scroll position.
      */
-    fun appendTransactions(newTransactions: List<Transaction>) {
+    fun appendTransactions(newTransactions: List<BankTransaction>) {
         if (newTransactions.isEmpty()) return
         if (_showLoadingFooter) {
             val pos = itemCount - 1
@@ -154,10 +165,10 @@ class AccountHistoryAdapter(
             b.tvHeaderAccountNumber.text = d.number
             b.tvHeaderPillBank.text      = d.bankPill
             b.tvHeaderPillType.text      = d.typeLabel
-            b.tvHeaderAvailable.text     = d.availableBalance
-            b.tvHeaderBalance.text       = d.workingBalance
+            b.tvHeaderAvailable.text     = if (hideAmounts) maskAmount(d.availableBalance) else d.availableBalance
+            b.tvHeaderBalance.text       = if (hideAmounts) maskAmount(d.workingBalance) else d.workingBalance
             if (d.blockedBalance != null) {
-                b.tvHeaderBlocked.text       = d.blockedBalance
+                b.tvHeaderBlocked.text       = if (hideAmounts) maskAmount(d.blockedBalance) else d.blockedBalance
                 b.llHeaderBlocked.visibility = View.VISIBLE
             } else {
                 b.llHeaderBlocked.visibility = View.GONE
@@ -173,7 +184,7 @@ class AccountHistoryAdapter(
 
     inner class TransactionVH(private val b: ItemTransactionBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(trx: Transaction) {
+        fun bind(trx: BankTransaction) {
             val isCredit = trx.amount >= 0
             val color = sourceColor(trx.source)
             val name = trx.counterpartyName ?: trx.description
@@ -211,17 +222,22 @@ class AccountHistoryAdapter(
 
             b.tvDate.text = formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
-            b.tvAmount.setTextColor(
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
-            )
+            if (hideAmounts) {
+                b.tvAmount.text = "${trx.currency} ••••••"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
+            } else {
+                val sign = if (isCredit) "+" else "-"
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }
 
-        private fun showDetail(trx: Transaction) {
+        private fun showDetail(trx: BankTransaction) {
             val ctx = b.root.context
             val title = trx.counterpartyName?.takeIf { it.isNotBlank() } ?: trx.description
             val details = buildString {
@@ -282,6 +298,11 @@ class AccountHistoryAdapter(
             return FULL_DATE_FMT.format(date)
         }
 
+        fun maskAmount(formatted: String): String {
+            val currency = formatted.substringBefore(' ', formatted)
+            return "$currency ••••••"
+        }
+
         fun sourceColor(source: String) = when (source) {
             "MIB" -> "#FE860E"
             "BML", "BML_CARD" -> "#0066A1"

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

@@ -22,9 +22,10 @@ import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankServerException
 import sh.sar.basedbank.api.mib.MibContactsClient
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankTransaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentAccountHistoryBinding
 import sh.sar.basedbank.util.AccountHistoryParser
@@ -39,10 +40,10 @@ class AccountHistoryFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private lateinit var adapter: AccountHistoryAdapter
-    private lateinit var account: MibAccount
+    private lateinit var account: BankAccount
     private lateinit var fetcher: HistoryFetcher
 
-    private val allTransactions = mutableListOf<Transaction>()
+    private val allTransactions = mutableListOf<BankTransaction>()
     private var searchQuery = ""
     private var firstPageDone = false
     private val pendingImageNames = mutableSetOf<String>()
@@ -53,7 +54,7 @@ class AccountHistoryFragment : Fragment() {
     companion object {
         private const val ARG_ACCOUNT_NUMBER = "account_number"
 
-        fun newInstance(account: MibAccount) = AccountHistoryFragment().apply {
+        fun newInstance(account: BankAccount) = AccountHistoryFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT_NUMBER, account.accountNumber)
             }
@@ -77,6 +78,8 @@ class AccountHistoryFragment : Fragment() {
         adapter.onTransferClick = { acc ->
             (activity as? HomeActivity)?.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFrom(acc))
         }
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
@@ -116,6 +119,14 @@ class AccountHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPage()
+
+        binding.swipeRefresh.setOnRefreshListener {
+            if (isLoading) {
+                binding.swipeRefresh.isRefreshing = false
+            } else {
+                resetAndReload()
+            }
+        }
     }
 
     override fun onResume() {
@@ -133,6 +144,24 @@ class AccountHistoryFragment : Fragment() {
         binding.emptyView.visibility = if (filtered.isEmpty() && !isLoading) View.VISIBLE else View.GONE
     }
 
+    private fun resetAndReload() {
+        allTransactions.clear()
+        pendingImageNames.clear()
+        pendingIconUrls.clear()
+        firstPageDone = false
+        fetcher = HistoryFetcher(account)
+        // Restore cache immediately so data stays visible while refreshing
+        val cached = TransactionCache.load(requireContext(), account.accountNumber)
+        if (cached.isNotEmpty()) {
+            allTransactions.addAll(cached)
+            filterAndDisplay()
+        } else {
+            adapter.setTransactions(emptyList())
+            binding.emptyView.visibility = View.GONE
+        }
+        loadNextPage()
+    }
+
     private fun loadNextPage() {
         if (isLoading || !fetcher.hasMore()) return
         isLoading = true
@@ -144,15 +173,34 @@ class AccountHistoryFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         lifecycleScope.launch {
-            val transactions = fetcher.fetchNextPage(app, pageSize)
+            val transactions = try {
+                fetcher.fetchNextPage(app, pageSize)
+            } catch (e: java.io.IOException) {
+                (activity as? HomeActivity)?.showConnectivityBanner(getString(R.string.connectivity_no_internet))
+                null
+            } catch (e: BankServerException) {
+                (activity as? HomeActivity)?.showConnectivityBanner(getString(R.string.connectivity_server_error, e.bankName))
+                null
+            } catch (_: Exception) {
+                null
+            }
 
             isLoading = false
+            if (_binding == null) return@launch
 
             if (!firstPageDone) {
                 firstPageDone = true
                 (activity as? HomeActivity)?.setRefreshing(false)
+                binding.swipeRefresh.isRefreshing = false
             }
 
+            if (transactions == null) {
+                adapter.showLoadingFooter = false
+                if (allTransactions.isEmpty()) binding.emptyView.visibility = View.VISIBLE
+                return@launch
+            }
+            (activity as? HomeActivity)?.hideConnectivityBanner()
+
             if (transactions.isNotEmpty()) {
                 val existingIds = allTransactions.map { it.id }.toHashSet()
                 val newOnes = transactions.filter { it.id !in existingIds }

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

@@ -3,12 +3,14 @@ package sh.sar.basedbank.ui.home
 import android.content.ClipData
 import android.content.ClipboardManager
 import android.content.Context
+import android.graphics.Bitmap
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.ItemAccountBinding
 import sh.sar.basedbank.databinding.ItemCardBinding
 import sh.sar.basedbank.databinding.ItemDateHeaderBinding
@@ -16,32 +18,43 @@ import sh.sar.basedbank.util.AccountListDisplay
 import sh.sar.basedbank.util.AccountListParser
 
 class AccountsAdapter(
-    accounts: List<MibAccount>,
-    private val onAccountClick: (MibAccount) -> Unit = {}
+    accounts: List<BankAccount>,
+    private val onAccountClick: (BankAccount) -> Unit = {},
+    /** Optional loader for MIB per-profile images: (hash, onLoaded) */
+    private val profileImageLoader: ((String, (Bitmap) -> Unit) -> Unit)? = null,
+    /** Optional loader for local (BML/Fahipay) profile images: (loginTag, profileId, onLoaded) */
+    private val localProfileImageLoader: ((String, String, (Bitmap) -> Unit) -> Unit)? = null
 ) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
-    var onTransferClick: ((MibAccount) -> Unit)? = null
+    var onTransferClick: ((BankAccount) -> Unit)? = null
+    private var hideAmounts: Boolean = false
 
     private sealed class Item {
         data class SectionTitle(val label: String) : Item()
-        data class Account(val account: MibAccount, val display: AccountListDisplay) : Item()
-        data class Card(val account: MibAccount, val display: AccountListDisplay) : Item()
+        data class Account(val account: BankAccount, val display: AccountListDisplay) : Item()
+        data class Card(val account: BankAccount, val display: AccountListDisplay) : Item()
     }
 
     private val items: MutableList<Item> = buildItems(accounts).toMutableList()
 
-    fun updateAccounts(accounts: List<MibAccount>) {
+    fun updateAccounts(accounts: List<BankAccount>) {
         items.clear()
         items.addAll(buildItems(accounts))
         notifyDataSetChanged()
     }
 
-    private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
+    private fun buildItems(accounts: List<BankAccount>): List<Item> = buildList {
         val displayed = accounts.mapNotNull { acc -> AccountListParser.from(acc)?.let { acc to it } }
         val nonCards  = displayed.filter { !it.second.isCard }
         val cards     = displayed.filter { it.second.isCard }
 
-        val groups = LinkedHashMap<String, MutableList<Pair<MibAccount, AccountListDisplay>>>()
+        val groups = LinkedHashMap<String, MutableList<Pair<BankAccount, AccountListDisplay>>>()
         for ((acc, display) in nonCards) {
             val title = sectionTitle(acc)
             groups.getOrPut(title) { mutableListOf() }.add(acc to display)
@@ -57,7 +70,7 @@ class AccountsAdapter(
         }
     }
 
-    private fun sectionTitle(account: MibAccount): String {
+    private fun sectionTitle(account: BankAccount): String {
         val bankName = when (account.bank) {
             "BML"     -> "Bank of Maldives"
             "FAHIPAY" -> "Fahipay"
@@ -65,7 +78,7 @@ class AccountsAdapter(
             else      -> account.bank
         }
         val profileLabel = when (account.bank) {
-            "MIB" -> account.cifType.ifBlank { account.profileName }
+            "MIB" -> account.productCode.ifBlank { account.profileName }
             else  -> account.profileName
         }
         return if (profileLabel.isNotBlank()) "$profileLabel · $bankName" else bankName
@@ -105,29 +118,55 @@ class AccountsAdapter(
 
     private inner class AccountViewHolder(private val binding: ItemAccountBinding) :
         RecyclerView.ViewHolder(binding.root) {
-        fun bind(account: MibAccount, display: AccountListDisplay) {
+        private var boundHash: String? = null
+
+        fun bind(account: BankAccount, display: AccountListDisplay) {
             binding.tvAccountName.text   = display.name
             binding.tvAccountNumber.text = display.number
             binding.tvAccountType.text   = display.typeLabel
-            binding.tvBalance.text       = display.balance
+            binding.tvBalance.text       = if (hideAmounts) maskAmount(display.balance) else display.balance
             binding.btnTransfer.setOnClickListener { onTransferClick?.invoke(account) }
             binding.root.setOnClickListener { onAccountClick(account) }
             binding.root.setOnLongClickListener {
                 copyToClipboard(it.context, display.number)
                 true
             }
+
+            val staticLogo = when (account.bank) {
+                "BML"     -> R.drawable.bml_logo_vector
+                "FAHIPAY" -> R.drawable.fahipay_logo
+                "MIB"     -> R.drawable.mib_logo
+                else      -> null
+            }
+            if (staticLogo != null) binding.ivBankLogo.setImageResource(staticLogo)
+            else binding.ivBankLogo.setImageDrawable(null)
+
+            val hash = account.profileImageHash
+            boundHash = hash
+            when {
+                account.bank == "MIB" && hash != null && profileImageLoader != null -> {
+                    profileImageLoader.invoke(hash) { bitmap ->
+                        if (boundHash == hash) binding.ivBankLogo.setImageBitmap(bitmap)
+                    }
+                }
+                (account.bank == "BML" || account.bank == "FAHIPAY") && localProfileImageLoader != null -> {
+                    localProfileImageLoader.invoke(account.loginTag, account.profileId) { bitmap ->
+                        if (boundHash == hash) binding.ivBankLogo.setImageBitmap(bitmap)
+                    }
+                }
+            }
         }
     }
 
     private inner class CardViewHolder(private val binding: ItemCardBinding) :
         RecyclerView.ViewHolder(binding.root) {
-        fun bind(account: MibAccount, display: AccountListDisplay) {
+        fun bind(account: BankAccount, display: AccountListDisplay) {
             binding.ivCardBrand.setImageResource(display.cardBrandIcon)
             binding.tvCardName.text    = display.name
             binding.tvCardNumber.text  = display.number
             binding.tvCardProduct.text = display.typeLabel
             binding.layoutCardBalance.visibility = View.VISIBLE
-            binding.tvCardBalance.text = display.balance
+            binding.tvCardBalance.text = if (hideAmounts) maskAmount(display.balance) else display.balance
             if (display.statusLabel != null) {
                 binding.tvCardStatus.text       = display.statusLabel
                 binding.tvCardStatus.visibility = View.VISIBLE
@@ -146,6 +185,11 @@ class AccountsAdapter(
         private const val TYPE_ACCOUNT = 1
         private const val TYPE_CARD    = 2
 
+        fun maskAmount(formatted: String): String {
+            val currency = formatted.substringBefore(' ', formatted)
+            return "$currency ••••••"
+        }
+
         private fun copyToClipboard(context: Context, accountNumber: String) {
             val cm = context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
             cm.setPrimaryClip(ClipData.newPlainText("Account Number", accountNumber))

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

@@ -1,6 +1,9 @@
 package sh.sar.basedbank.ui.home
 
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
 import android.os.Bundle
+import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
@@ -8,9 +11,15 @@ import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
 import androidx.recyclerview.widget.LinearLayoutManager
+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.databinding.FragmentAccountsBinding
+import sh.sar.basedbank.util.ProfileImageStore
 
 class AccountsFragment : Fragment() {
 
@@ -18,6 +27,7 @@ class AccountsFragment : Fragment() {
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
     private lateinit var adapter: AccountsAdapter
+    private val profileImageCache = mutableMapOf<String, Bitmap>()
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentAccountsBinding.inflate(inflater, container, false)
@@ -25,9 +35,49 @@ class AccountsFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        adapter = AccountsAdapter(emptyList()) { account ->
-            (activity as? HomeActivity)?.showWithBackStack(AccountHistoryFragment.newInstance(account))
-        }
+        val app = requireActivity().application as BasedBankApp
+        adapter = AccountsAdapter(
+            accounts = emptyList(),
+            onAccountClick = { account ->
+                (activity as? HomeActivity)?.showWithBackStack(AccountHistoryFragment.newInstance(account))
+            },
+            profileImageLoader = { hash, onLoaded ->
+                profileImageCache[hash]?.let { onLoaded(it); return@AccountsAdapter }
+                viewLifecycleOwner.lifecycleScope.launch {
+                    val bitmap = withContext(Dispatchers.IO) {
+                        try {
+                            val session = app.anyMibSession() ?: return@withContext null
+                            val b64 = app.anyMibFlow()?.fetchProfileImage(session, hash) ?: return@withContext null
+                            val bytes = Base64.decode(b64, Base64.DEFAULT)
+                            BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+                        } catch (_: Exception) { null }
+                    }
+                    if (bitmap != null) {
+                        profileImageCache[hash] = bitmap
+                        onLoaded(bitmap)
+                    }
+                }
+            },
+            localProfileImageLoader = { loginTag, profileId, onLoaded ->
+                val cacheKey = "$loginTag|$profileId"
+                profileImageCache[cacheKey]?.let { onLoaded(it); return@AccountsAdapter }
+                viewLifecycleOwner.lifecycleScope.launch {
+                    val bitmap = withContext(Dispatchers.IO) {
+                        val ctx = requireContext()
+                        if (loginTag.startsWith("bml_") && profileId.isNotBlank()) {
+                            ProfileImageStore.load(ctx, ProfileImageStore.bmlKey(profileId))
+                        } else if (loginTag.startsWith("fahipay_")) {
+                            val loginId = ProfileImageStore.loginIdFromTag(loginTag)
+                            ProfileImageStore.load(ctx, ProfileImageStore.fahipayKey(loginId))
+                        } else null
+                    }
+                    if (bitmap != null) {
+                        profileImageCache[cacheKey] = bitmap
+                        onLoaded(bitmap)
+                    }
+                }
+            }
+        )
         adapter.onTransferClick = { account ->
             (activity as? HomeActivity)?.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFrom(account))
         }
@@ -43,7 +93,16 @@ class AccountsFragment : Fragment() {
             insets
         }
 
-        viewModel.accounts.observe(viewLifecycleOwner) { adapter.updateAccounts(it) }
+        viewModel.accounts.observe(viewLifecycleOwner) {
+            adapter.updateAccounts(it)
+            binding.emptyView.visibility = if (it.isEmpty()) View.VISIBLE else View.GONE
+        }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
+        }
     }
 
     override fun onResume() {

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

@@ -0,0 +1,108 @@
+package sh.sar.basedbank.ui.home
+
+import android.graphics.Color
+import android.graphics.drawable.GradientDrawable
+import android.view.LayoutInflater
+import android.view.ViewGroup
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.databinding.ItemDateHeaderBinding
+import sh.sar.basedbank.databinding.ItemTransactionBinding
+import sh.sar.basedbank.util.ReceiptStore
+import java.text.SimpleDateFormat
+import java.util.Date
+import java.util.Locale
+
+class ActivitiesAdapter(
+    private val onItemClick: (ReceiptStore.Entry) -> Unit
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    private sealed class Item {
+        data class DateHeader(val label: String) : Item()
+        data class ReceiptItem(val entry: ReceiptStore.Entry) : Item()
+    }
+
+    private val displayItems = mutableListOf<Item>()
+
+    fun setEntries(entries: List<ReceiptStore.Entry>) {
+        displayItems.clear()
+        var lastDateKey = ""
+        for (entry in entries) {
+            val dateKey = SimpleDateFormat("yyyy-MM-dd", Locale.US).format(Date(entry.savedAt))
+            if (dateKey != lastDateKey) {
+                displayItems.add(Item.DateHeader(formatDateHeader(entry.savedAt)))
+                lastDateKey = dateKey
+            }
+            displayItems.add(Item.ReceiptItem(entry))
+        }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemCount() = displayItems.size
+
+    override fun getItemViewType(position: Int) =
+        if (displayItems[position] is Item.DateHeader) TYPE_DATE_HEADER else TYPE_RECEIPT
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return if (viewType == TYPE_DATE_HEADER)
+            DateHeaderVH(ItemDateHeaderBinding.inflate(inflater, parent, false))
+        else
+            ReceiptVH(ItemTransactionBinding.inflate(inflater, parent, false))
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        when (holder) {
+            is DateHeaderVH -> holder.bind((displayItems[position] as Item.DateHeader).label)
+            is ReceiptVH    -> holder.bind((displayItems[position] as Item.ReceiptItem).entry)
+        }
+    }
+
+    inner class DateHeaderVH(private val b: ItemDateHeaderBinding) :
+        RecyclerView.ViewHolder(b.root) {
+        fun bind(label: String) { b.tvDateHeader.text = label }
+    }
+
+    inner class ReceiptVH(private val b: ItemTransactionBinding) :
+        RecyclerView.ViewHolder(b.root) {
+        fun bind(entry: ReceiptStore.Entry) {
+            val d = entry.data
+            val colorHex = d.fromColorHex.takeIf { it.isNotBlank() } ?: "#607D8B"
+            val initial = d.toLabel.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+
+            b.fvAvatar.background = GradientDrawable().apply {
+                shape = GradientDrawable.OVAL
+                setColor(try { Color.parseColor(colorHex) } catch (_: Exception) { Color.GRAY })
+            }
+            b.tvInitial.visibility = android.view.View.VISIBLE
+            b.tvInitial.text = initial
+
+            b.tvCounterparty.text = d.toLabel
+            b.tvCounterparty.visibility = android.view.View.VISIBLE
+            b.tvDescription.text = buildString {
+                append(d.fromLabel)
+                if (d.toBank.isNotBlank()) append(" · ${d.toBank}")
+            }
+            b.tvDate.text = formatTime(entry.savedAt)
+
+            b.tvAmount.text = "- ${d.currency} ${d.amount}"
+            b.tvAmount.setTextColor(Color.parseColor("#FF7043"))
+
+            b.root.setOnClickListener { onItemClick(entry) }
+        }
+    }
+
+    private fun formatDateHeader(millis: Long): String {
+        val sdf = SimpleDateFormat("EEEE, d MMMM yyyy", Locale.US)
+        return sdf.format(Date(millis))
+    }
+
+    private fun formatTime(millis: Long): String {
+        val sdf = SimpleDateFormat("HH:mm", Locale.US)
+        return sdf.format(Date(millis))
+    }
+
+    companion object {
+        private const val TYPE_DATE_HEADER = 0
+        private const val TYPE_RECEIPT     = 1
+    }
+}

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

@@ -0,0 +1,95 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.text.Editable
+import android.text.TextWatcher
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import androidx.recyclerview.widget.LinearLayoutManager
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentActivitiesBinding
+import sh.sar.basedbank.util.ReceiptStore
+
+class ActivitiesFragment : Fragment() {
+
+    private var _binding: FragmentActivitiesBinding? = null
+    private val binding get() = _binding!!
+
+    private lateinit var adapter: ActivitiesAdapter
+    private val allEntries = mutableListOf<ReceiptStore.Entry>()
+    private var searchQuery = ""
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentActivitiesBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        adapter = ActivitiesAdapter { entry ->
+            (activity as? HomeActivity)?.showWithBackStack(
+                TransferReceiptFragment.newInstance(entry.data, null)
+            )
+        }
+        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
+        binding.recyclerView.adapter = adapter
+
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext()
+                .getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
+        binding.etSearch.addTextChangedListener(object : TextWatcher {
+            override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) = Unit
+            override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) = Unit
+            override fun afterTextChanged(s: Editable?) {
+                searchQuery = s?.toString()?.trim() ?: ""
+                filterAndDisplay()
+            }
+        })
+
+        loadEntries()
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_activities)
+        // Reload in case a new receipt was added while we were away
+        loadEntries()
+    }
+
+    private fun loadEntries() {
+        allEntries.clear()
+        allEntries.addAll(ReceiptStore.loadAll(requireContext()))
+        filterAndDisplay()
+    }
+
+    private fun filterAndDisplay() {
+        val filtered = if (searchQuery.isBlank()) allEntries
+        else allEntries.filter { entry ->
+            entry.data.toLabel.contains(searchQuery, ignoreCase = true) ||
+                entry.data.fromLabel.contains(searchQuery, ignoreCase = true) ||
+                entry.data.toAccount.contains(searchQuery, ignoreCase = true) ||
+                entry.data.toBank.contains(searchQuery, ignoreCase = true) ||
+                entry.data.mibReferenceNo.contains(searchQuery, ignoreCase = true) ||
+                entry.data.bmlReference.contains(searchQuery, ignoreCase = true)
+        }
+        adapter.setEntries(filtered)
+        binding.emptyView.visibility = if (filtered.isEmpty()) View.VISIBLE else View.GONE
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

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

@@ -30,8 +30,9 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlAccountValidation
-import sh.sar.basedbank.api.bml.BmlLoginFlow
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.bml.BmlContactsClient
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibTransferClient
@@ -64,7 +65,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private var selectedImageBase64: String = ""
     private var selectedCategoryId: String = "0"
-    private var categories: List<MibBeneficiaryCategory> = emptyList()
+    private var categories: List<BankContactCategory> = emptyList()
 
     private val imagePicker = registerForActivityResult(ActivityResultContracts.GetContent()) { uri: Uri? ->
         uri ?: return@registerForActivityResult
@@ -98,10 +99,13 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
             }
         }
         val store = CredentialStore(requireContext())
-        for ((loginId, _) in app.bmlSessions) {
-            val ownerName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() } ?: loginId
-            val profileName = app.bmlAccounts.firstOrNull { it.loginTag == "bml_$loginId" }?.profileName ?: ""
-            list.add(DestinationOption("BML · $ownerName", isBml = true, bmlLoginId = loginId, subtitle = profileName))
+        for ((loginId, profiles) in app.bmlProfilesMap) {
+            val fullName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+            for (profile in profiles) {
+                if (app.bmlSessions.containsKey(profile.profileId)) {
+                    list.add(DestinationOption("BML · ${fullName ?: profile.name}", isBml = true, bmlLoginId = profile.profileId, subtitle = profile.name))
+                }
+            }
         }
         return list
     }
@@ -241,14 +245,12 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     private fun lookupForBml(input: String): BmlAccountValidation? {
         val loginId = selectedDest?.bmlLoginId ?: return null
         val bmlSess = app.bmlSessions[loginId] ?: return null
-        val bmlFlow = BmlLoginFlow()
-
         // 1) Try BML validate
-        val validated = try { bmlFlow.validateAccount(bmlSess, input) } catch (_: Exception) { null }
+        val validated = try { BmlValidateClient().validateAccount(bmlSess, input) } catch (_: Exception) { null }
         if (validated != null) return validated
 
         // 2) Try BML MIB verify
-        val mibVerified = try { bmlFlow.verifyMibAccount(bmlSess, input) } catch (_: Exception) { null }
+        val mibVerified = try { BmlValidateClient().verifyMibAccount(bmlSess, input) } catch (_: Exception) { null }
         if (mibVerified != null) return mibVerified
 
         // 3) Fall back to MIB IPS lookup (for USD MIB accounts not reachable via BML)
@@ -292,7 +294,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
         // MIB lookup failed (e.g. BML USD account) — fall back to BML validate
         val bmlSess = app.anyBmlSession() ?: return null
-        return try { BmlLoginFlow().validateAccount(bmlSess, input) } catch (_: Exception) { null }
+        return try { BmlValidateClient().validateAccount(bmlSess, input) } catch (_: Exception) { null }
     }
 
     private fun showLookupResult(validation: BmlAccountValidation, input: String) {
@@ -418,15 +420,14 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         val loginId = selectedDest?.bmlLoginId ?: return false
         val bmlSess = app.bmlSessions[loginId] ?: return false
         val lookup = bmlLookup ?: return false
-        val bmlFlow = BmlLoginFlow()
         val account = lookup.account
         return when {
             account.matches(Regex("^7\\d{12}$")) ->
                 // BML account → IAT
-                bmlFlow.saveContact(bmlSess, "IAT", account, alias)
+                BmlContactsClient().saveContact(bmlSess, "IAT", account, alias)
             account.matches(Regex("^9\\d{16}$")) ->
                 // MIB internal → DOT; swift is BML's internal UUID for MIB bank
-                bmlFlow.saveContact(bmlSess, "DOT", account, alias,
+                BmlContactsClient().saveContact(bmlSess, "DOT", account, alias,
                     currency = lookup.currency, name = lookup.name, swift = MIB_SWIFT_ON_BML)
             else -> false
         }
@@ -486,7 +487,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
                 if (dest.isBml) {
                     val loginId = dest.bmlLoginId ?: return@launch
                     val bmlSess = app.bmlSessions[loginId] ?: return@launch
-                    val fresh = BmlLoginFlow().fetchContacts(bmlSess, loginId)
+                    val fresh = BmlContactsClient().fetchContacts(bmlSess, loginId)
                     val existing = viewModel.contacts.value ?: emptyList()
                     val merged = existing.filter { it.benefCategoryId != "BML" } + fresh
                     viewModel.contacts.postValue(merged)

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

@@ -0,0 +1,388 @@
+package sh.sar.basedbank.ui.home
+
+import android.graphics.Bitmap
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
+import android.os.Bundle
+import android.util.Base64
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.BaseAdapter
+import android.widget.Filter
+import android.widget.Filterable
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.TextView
+import android.widget.Toast
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlQrPayClient
+import sh.sar.basedbank.api.bml.BmlQrPayInfo
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentBmlQrPayBinding
+import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.Totp
+
+class BmlQrPayFragment : Fragment() {
+
+    private var _binding: FragmentBmlQrPayBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private var merchantInfo: BmlQrPayInfo? = null
+    private var selectedAccount: BankAccount? = null
+
+    companion object {
+        private const val ARG_QR_URL = "qr_url"
+        private const val ARG_FROM_ACCOUNT = "from_account"
+
+        fun newInstance(qrUrl: String, fromAccountNumber: String? = null) = BmlQrPayFragment().apply {
+            arguments = Bundle().apply {
+                putString(ARG_QR_URL, qrUrl)
+                if (fromAccountNumber != null) putString(ARG_FROM_ACCOUNT, fromAccountNumber)
+            }
+        }
+    }
+
+    override fun onCreateView(
+        inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?
+    ): View {
+        _binding = FragmentBmlQrPayBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        setupFromDropdown()
+
+        binding.etAmount.addTextChangedListener { updatePayButton() }
+
+        binding.btnClearFromInfo.setOnClickListener {
+            selectedAccount = null
+            binding.cardFromInfo.visibility = View.GONE
+            binding.tilFrom.visibility = View.VISIBLE
+            binding.actvFrom.setText("", false)
+            updatePayButton()
+        }
+
+        binding.btnPay.setOnClickListener { initiatePay() }
+
+        val qrUrl = arguments?.getString(ARG_QR_URL) ?: run {
+            requireActivity().onBackPressedDispatcher.onBackPressed(); return
+        }
+        lookupMerchant(qrUrl)
+    }
+
+    private fun setupFromDropdown() {
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            val bmlAccounts = accounts.filter {
+                it.bank == "BML" &&
+                it.profileType != "BML_LOAN" &&
+                it.profileType != "BML_CREDIT"
+            }
+            val adapter = BmlAccountAdapter(bmlAccounts)
+            binding.actvFrom.setAdapter(adapter)
+            binding.actvFrom.setOnItemClickListener { _, _, position, _ ->
+                val picked = adapter.getItem(position) as? BankAccount ?: return@setOnItemClickListener
+                selectedAccount = picked
+                showFromCard(picked)
+                updatePayButton()
+            }
+
+            // Pre-select card passed in from the card wallet/dashboard
+            val preselect = arguments?.getString(ARG_FROM_ACCOUNT)
+            if (preselect != null && selectedAccount == null) {
+                bmlAccounts.firstOrNull { it.accountNumber == preselect }?.let {
+                    selectedAccount = it
+                    showFromCard(it)
+                    updatePayButton()
+                }
+            }
+        }
+    }
+
+    private fun showFromCard(account: BankAccount) {
+        binding.tvFromAccountName.text = account.accountBriefName
+        binding.tvFromAccountNumber.text = account.accountNumber
+        val currency = account.currencyName.ifBlank { "MVR" }
+        binding.tvFromBalance.text = "$currency ${account.availableBalance}"
+        binding.ivFromPhoto.setImageBitmap(makeInitialsBitmap(account.accountBriefName, "#0066A1"))
+        binding.tilFrom.visibility = View.GONE
+        binding.cardFromInfo.visibility = View.VISIBLE
+
+        // Update amount prefix to match account currency
+        binding.tilAmount.prefixText = if (account.currencyName == "USD") "USD " else "MVR "
+    }
+
+    private fun lookupMerchant(qrUrl: String) {
+        val base64Url = Base64.encodeToString(qrUrl.toByteArray(Charsets.UTF_8), Base64.NO_WRAP)
+        val app = requireActivity().application as BasedBankApp
+        val session = app.anyBmlSession() ?: run {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            requireActivity().onBackPressedDispatcher.onBackPressed()
+            return
+        }
+
+        binding.tvLookingUp.visibility = View.VISIBLE
+        binding.cardMerchant.visibility = View.GONE
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val info = withContext(Dispatchers.IO) {
+                try { BmlQrPayClient().lookupPayRequest(session, base64Url) }
+                catch (_: Exception) { null }
+            }
+            if (_binding == null) return@launch
+            binding.tvLookingUp.visibility = View.GONE
+            if (info == null) {
+                Toast.makeText(requireContext(), R.string.bml_qr_lookup_failed, Toast.LENGTH_LONG).show()
+                requireActivity().onBackPressedDispatcher.onBackPressed()
+                return@launch
+            }
+            merchantInfo = info
+            populateMerchant(info)
+        }
+    }
+
+    private fun populateMerchant(info: BmlQrPayInfo) {
+        binding.tvMerchantName.text = info.merchantName
+        binding.tvMerchantAddress.text = info.merchantAddress
+        binding.ivMerchantIcon.setImageBitmap(makeInitialsBitmap(info.merchantName, "#0066A1"))
+        binding.cardMerchant.visibility = View.VISIBLE
+
+        // Dynamic QR: pre-fill amount and lock the field
+        if (info.amount > 0.0) {
+            binding.etAmount.setText("%.2f".format(info.amount))
+            binding.tilAmount.isEnabled = false
+        }
+
+        updatePayButton()
+    }
+
+    private fun updatePayButton() {
+        val merchant = merchantInfo ?: run { binding.btnPay.isEnabled = false; return }
+        val account = selectedAccount ?: run { binding.btnPay.isEnabled = false; return }
+        val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
+        binding.btnPay.isEnabled = amount > 0.0
+    }
+
+    private fun initiatePay() {
+        val info = merchantInfo ?: return
+        val account = selectedAccount ?: run {
+            Toast.makeText(requireContext(), R.string.bml_qr_select_account, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) {
+            binding.tilAmount.error = "Enter a valid amount"
+            return
+        }
+        binding.tilAmount.error = null
+
+        val debitAccount = account.internalId.ifBlank {
+            Toast.makeText(requireContext(), R.string.transfer_missing_internal_id, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val currency = info.currency
+
+        MaterialAlertDialogBuilder(requireContext())
+            .setTitle(R.string.transfer)
+            .setMessage("Pay $currency ${"%.2f".format(amount)} to ${info.merchantName}?\n\nFrom: ${account.accountBriefName} · ${account.accountNumber}")
+            .setPositiveButton(R.string.transfer_confirm) { _, _ ->
+                executePay(account, debitAccount, info.requestId, amount, currency, info.merchantName)
+            }
+            .setNegativeButton(android.R.string.cancel, null)
+            .show()
+    }
+
+    private fun executePay(
+        account: BankAccount,
+        debitAccount: String,
+        requestId: String,
+        amount: Double,
+        currency: String,
+        merchantName: String
+    ) {
+        val app = requireActivity().application as BasedBankApp
+        val loginId = account.loginTag.removePrefix("bml_")
+        val session = app.bmlSessionFor(account) ?: run {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val otp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: run {
+                Toast.makeText(requireContext(), "OTP unavailable", Toast.LENGTH_SHORT).show()
+                return
+            }
+
+        binding.btnPay.isEnabled = false
+        (activity as? HomeActivity)?.setRefreshing(true)
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                try {
+                    val initiated = BmlQrPayClient().initiatePayment(session, debitAccount, requestId, amount, currency)
+                    if (!initiated) return@withContext null
+                    val confirmOtp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
+                        ?.let { Totp.generate(it) } ?: otp
+                    BmlQrPayClient().confirmPayment(session, debitAccount, requestId, amount, currency, confirmOtp)
+                } catch (e: Exception) {
+                    sh.sar.basedbank.api.bml.BmlQrPayResult(false, errorMessage = e.message ?: "Payment failed")
+                }
+            }
+            (activity as? HomeActivity)?.setRefreshing(false)
+
+            if (_binding == null) return@launch
+
+            if (result == null) {
+                binding.btnPay.isEnabled = true
+                Toast.makeText(requireContext(), "Failed to initiate payment", Toast.LENGTH_LONG).show()
+                return@launch
+            }
+
+            if (result.success) {
+                showSuccessDialog(
+                    merchant = result.merchant.ifBlank { merchantName },
+                    amount = result.amount.ifBlank { "%.2f".format(amount) },
+                    currency = result.currency.ifBlank { currency }
+                )
+            } else {
+                binding.btnPay.isEnabled = true
+                Toast.makeText(requireContext(), result.errorMessage, Toast.LENGTH_LONG).show()
+            }
+        }
+    }
+
+    private fun showSuccessDialog(merchant: String, amount: String, currency: String) {
+        val ctx = requireContext()
+        val dp = resources.displayMetrics.density
+
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            gravity = Gravity.CENTER_HORIZONTAL
+            setPadding((24 * dp).toInt(), (24 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+        }
+
+        // Green checkmark icon
+        container.addView(ImageView(ctx).apply {
+            setImageResource(R.drawable.ic_check_circle)
+            setColorFilter(Color.parseColor("#4CAF50"))
+            layoutParams = LinearLayout.LayoutParams(
+                (64 * dp).toInt(), (64 * dp).toInt()
+            ).apply { gravity = Gravity.CENTER_HORIZONTAL; bottomMargin = (16 * dp).toInt() }
+        })
+
+        // Amount
+        container.addView(TextView(ctx).apply {
+            text = "$currency $amount"
+            textSize = 28f
+            setTypeface(null, android.graphics.Typeface.BOLD)
+            setTextColor(com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorOnSurface, Color.BLACK))
+            gravity = Gravity.CENTER
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.WRAP_CONTENT,
+                LinearLayout.LayoutParams.WRAP_CONTENT
+            ).apply { gravity = Gravity.CENTER_HORIZONTAL; bottomMargin = (8 * dp).toInt() }
+        })
+
+        // Merchant name
+        container.addView(TextView(ctx).apply {
+            text = merchant
+            textSize = 14f
+            setTextColor(com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY))
+            gravity = Gravity.CENTER
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.WRAP_CONTENT,
+                LinearLayout.LayoutParams.WRAP_CONTENT
+            ).apply { gravity = Gravity.CENTER_HORIZONTAL }
+        })
+
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.bml_qr_payment_success)
+            .setView(container)
+            .setPositiveButton(android.R.string.ok) { _, _ ->
+                requireActivity().onBackPressedDispatcher.onBackPressed()
+            }
+            .setCancelable(false)
+            .show()
+    }
+
+    private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {
+        val sizePx = (resources.displayMetrics.density * 40).toInt()
+        val bgColor = try { Color.parseColor(colorHex) } catch (_: Exception) { Color.GRAY }
+        val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+        val canvas = Canvas(bm)
+        val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+        paint.color = bgColor
+        canvas.drawCircle(sizePx / 2f, sizePx / 2f, sizePx / 2f, paint)
+        paint.color = Color.WHITE
+        paint.textSize = sizePx * 0.42f
+        paint.textAlign = Paint.Align.CENTER
+        val letter = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+        val metrics = paint.fontMetrics
+        canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
+        return bm
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = "BML QR Pay"
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private inner class BmlAccountAdapter(private val accounts: List<BankAccount>) :
+        BaseAdapter(), Filterable {
+
+        override fun getCount() = accounts.size
+        override fun getItem(position: Int) = accounts[position]
+        override fun getItemId(position: Int) = position.toLong()
+
+        override fun getView(position: Int, convertView: View?, parent: ViewGroup) =
+            getDropDownView(position, convertView, parent)
+
+        override fun getDropDownView(position: Int, convertView: View?, parent: ViewGroup): View {
+            val acc = accounts[position]
+            val b = if (convertView?.tag is ItemAccountDropdownBinding) {
+                convertView.tag as ItemAccountDropdownBinding
+            } else {
+                ItemAccountDropdownBinding.inflate(LayoutInflater.from(context), parent, false)
+                    .also { it.root.tag = it }
+            }
+            val ownerPrefix = if (acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
+            b.tvDropdownAccountName.text = "$ownerPrefix${acc.accountBriefName}"
+            b.tvDropdownAccountNumber.text = acc.accountNumber
+            b.tvDropdownBalance.text = "${acc.currencyName} ${acc.availableBalance}"
+            b.root.alpha = 1f
+            return b.root
+        }
+
+        override fun getFilter() = object : Filter() {
+            override fun performFiltering(c: CharSequence?) =
+                FilterResults().apply { values = accounts; count = accounts.size }
+            override fun publishResults(c: CharSequence?, r: FilterResults?) = notifyDataSetChanged()
+            override fun convertResultToString(r: Any?) =
+                (r as? BankAccount)?.let {
+                    val prefix = if (it.profileName.isNotBlank()) "${it.profileName} · " else ""
+                    "$prefix${it.accountBriefName}"
+                } ?: ""
+        }
+    }
+}

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

@@ -0,0 +1,139 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.TextView
+import android.widget.Toast
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.recyclerview.widget.LinearLayoutManager
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentCardSettingsBinding
+import sh.sar.basedbank.util.bmlapi.BmlCardParser
+
+class CardSettingsFragment : Fragment() {
+
+    private var _binding: FragmentCardSettingsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentCardSettingsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val adapter = CardSettingsAdapter(emptyList(), requireContext())
+        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
+        binding.recyclerView.adapter = adapter
+
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+        }
+
+        val updateCardList = {
+            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val bmlItems = (viewModel.accounts.value ?: emptyList())
+                .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
+                .map { CardItem.Bml(it) }
+            val all = mibItems + bmlItems
+            adapter.update(all)
+            binding.loadingView.visibility = View.GONE
+            binding.swipeRefresh.isRefreshing = false
+            binding.emptyView.visibility = if (all.isEmpty()) View.VISIBLE else View.GONE
+            binding.recyclerView.visibility = if (all.isEmpty()) View.GONE else View.VISIBLE
+        }
+        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
+        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
+
+        if (viewModel.mibCards.value == null) {
+            binding.loadingView.visibility = View.VISIBLE
+            (activity as? HomeActivity)?.triggerRefreshCards()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_card_settings)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private inner class CardSettingsAdapter(
+        private var cards: List<CardItem>,
+        private val context: Context
+    ) : RecyclerView.Adapter<CardSettingsAdapter.VH>() {
+
+        fun update(newCards: List<CardItem>) {
+            cards = newCards
+            notifyDataSetChanged()
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
+            VH(LayoutInflater.from(context).inflate(R.layout.item_card_settings_entry, parent, false))
+
+        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun getItemCount() = cards.size
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
+            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
+            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
+            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
+            private val tvCardStatus: TextView = view.findViewById(R.id.tvCardStatus)
+            private val btnChangePin: View = view.findViewById(R.id.btnChangePin)
+            private val btnFreeze: View = view.findViewById(R.id.btnFreeze)
+            private val btnBlock: View = view.findViewById(R.id.btnBlock)
+
+            fun bind(item: CardItem) {
+                when (item) {
+                    is CardItem.Mib -> {
+                        tvCardOwner.text = item.card.cardHolderName
+                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.card.maskedCardNumber)
+                        tvCardType.text = item.card.cardTypeDesc
+                        val assetPath = PayWithCardFragment.cardImageAsset(item.card)
+                        if (assetPath != null) PayWithCardFragment.loadCardImage(ivCardImage, assetPath)
+                        else ivCardImage.setImageDrawable(null)
+                        PayWithCardFragment.bindCardStatus(tvCardStatus, PayWithCardFragment.mibCardStatusLabel(item.card.cardStatus))
+                        itemView.alpha = 1f
+                    }
+                    is CardItem.Bml -> {
+                        tvCardOwner.text = item.account.accountBriefName
+                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.account.accountNumber)
+                        tvCardType.text = item.account.accountTypeName
+                        PayWithCardFragment.loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
+                        val isActive = item.account.statusDesc.equals("Active", ignoreCase = true)
+                        val bmlStatus = item.account.statusDesc.takeUnless { isActive }
+                        PayWithCardFragment.bindCardStatus(tvCardStatus, bmlStatus)
+                        itemView.alpha = if (isActive) 1f else 0.45f
+                    }
+                }
+                val wip = View.OnClickListener {
+                    Toast.makeText(context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+                }
+                btnChangePin.setOnClickListener(wip)
+                btnFreeze.setOnClickListener(wip)
+                btnBlock.setOnClickListener(wip)
+            }
+        }
+    }
+}

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

@@ -31,7 +31,9 @@ class ContactPickerAdapter(
             val isSameAsFrom: Boolean = false,
             val isManualEntry: Boolean = false,
             val imageHash: String? = null,
-            val inactiveReason: String? = null
+            val inactiveReason: String? = null,
+            val balance: String? = null,
+            val bankLogoRes: Int? = null
         ) : PickerItem()
     }
 
@@ -89,14 +91,31 @@ class ContactPickerAdapter(
             binding.tvPrimary.text = item.displayName
             binding.tvSecondary.text = item.subtitle
 
-            val cached = item.imageHash?.let { imageCache[it] }
-            if (cached != null) {
-                binding.ivIcon.setImageBitmap(cached)
+            if (item.balance != null) {
+                binding.tvBalance.text = item.balance
+                binding.tvBalance.visibility = android.view.View.VISIBLE
             } else {
-                val iconChar = if (item.isManualEntry) "→" else item.displayName.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
-                val iconColor = if (item.isManualEntry) "#546E7A" else item.colorHex
-                binding.ivIcon.setImageBitmap(makeInitialsBitmap(iconChar, iconColor, binding.ivIcon.context))
-                if (item.imageHash != null) onImageNeeded?.invoke(item.imageHash)
+                binding.tvBalance.visibility = android.view.View.GONE
+            }
+
+            val cached = item.imageHash?.let { imageCache[it] }
+            when {
+                cached != null -> {
+                    binding.ivIcon.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+                    binding.ivIcon.setImageBitmap(cached)
+                }
+                item.bankLogoRes != null -> {
+                    binding.ivIcon.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+                    binding.ivIcon.setImageResource(item.bankLogoRes)
+                    if (item.imageHash != null) onImageNeeded?.invoke(item.imageHash)
+                }
+                else -> {
+                    binding.ivIcon.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+                    val iconChar = if (item.isManualEntry) "→" else item.displayName.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
+                    val iconColor = if (item.isManualEntry) "#546E7A" else item.colorHex
+                    binding.ivIcon.setImageBitmap(makeInitialsBitmap(iconChar, iconColor, binding.ivIcon.context))
+                    if (item.imageHash != null) onImageNeeded?.invoke(item.imageHash)
+                }
             }
 
             binding.root.alpha = if (item.isSameAsFrom || item.inactiveReason != null) 0.4f else 1.0f

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

@@ -24,7 +24,11 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.SheetContactPickerBinding
+import sh.sar.basedbank.util.AccountListParser
+import sh.sar.basedbank.util.ProfileImageStore
 import sh.sar.basedbank.util.RecentsCache
+import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
 
 class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
@@ -145,8 +149,9 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
         viewModel.contacts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
         viewModel.accounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
 
-        (activity as? HomeActivity)?.loadAllContacts()
+        (activity as? HomeActivity)?.triggerRefresh()
     }
 
     private fun attachMediator(pages: List<TabDef>) {
@@ -183,6 +188,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
     private fun buildPageItems(tabTag: String?): List<ContactPickerAdapter.PickerItem> {
         val search = binding.etSheetSearch.text?.toString()?.trim() ?: ""
+        val hide = viewModel.hideAmounts.value ?: false
         val items = mutableListOf<ContactPickerAdapter.PickerItem>()
 
         if (tabTag == RECENTS_TAG) {
@@ -209,11 +215,11 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
         val fromCurrency = fromAccount?.currencyName ?: ""
         val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT"
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
 
         if (tabTag == MY_ACCOUNTS_TAG) {
-            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
-            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
+            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" }
+            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
 
             val filteredRegular = if (search.isBlank()) regularAccounts else regularAccounts.filter {
                 it.accountBriefName.contains(search, ignoreCase = true) || it.accountNumber.contains(search)
@@ -223,16 +229,29 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 for (acc in filteredRegular) {
                     if (acc.profileImageHash != null) profileImageHashes.add(acc.profileImageHash)
                     val isSame = acc.accountNumber == fromAccountNumber
+                    val parsedBalance = AccountListParser.from(acc)?.balance
+                        ?: "${acc.currencyName} ${acc.availableBalance}"
+                    val balance = if (hide) maskAmount(parsedBalance) else parsedBalance
+                    val logoRes = when (acc.bank) {
+                        "BML"     -> R.drawable.bml_logo_vector
+                        "FAHIPAY" -> R.drawable.fahipay_logo
+                        "MIB"     -> R.drawable.mib_logo
+                        else      -> null
+                    }
+                    val localKey = localImageKeyFor(acc)
+                    if (localKey != null) profileImageHashes.add("local:$localKey")
                     items.add(ContactPickerAdapter.PickerItem.Row(
                         accountNumber = acc.accountNumber,
                         displayName   = acc.accountBriefName,
-                        subtitle      = "${acc.accountNumber} · ${acc.currencyName} ${acc.availableBalance}",
+                        subtitle      = acc.accountNumber,
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
-                        imageHash     = acc.profileImageHash,
+                        imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
                         inactiveReason = if (isSame) null
                             else if (fromIsCard && acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName)
+                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        balance       = balance,
+                        bankLogoRes   = logoRes
                     ))
                 }
             }
@@ -246,17 +265,26 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                     if (acc.profileImageHash != null) profileImageHashes.add(acc.profileImageHash)
                     val isSame = acc.accountNumber == fromAccountNumber
                     val isActive = acc.statusDesc.equals("Active", ignoreCase = true)
+                    val isDebit = acc.profileType == "BML_DEBIT"
+                    val parsedBalance = if (isDebit) null
+                        else AccountListParser.from(acc)?.balance ?: "${acc.currencyName} ${acc.availableBalance}"
+                    val balance = parsedBalance?.let { if (hide) maskAmount(it) else it }
+                    val logoRes = BmlCardParser.cardNetworkIcon(acc) ?: R.drawable.bml_logo_vector
+                    val localKey = localImageKeyFor(acc)
+                    if (localKey != null) profileImageHashes.add("local:$localKey")
                     items.add(ContactPickerAdapter.PickerItem.Row(
                         accountNumber = acc.accountNumber,
                         displayName   = acc.accountBriefName,
-                        subtitle      = "${acc.accountNumber} · ${acc.currencyName} ${acc.availableBalance}",
+                        subtitle      = acc.accountNumber,
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
-                        imageHash     = acc.profileImageHash,
+                        imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
                         inactiveReason = if (isSame) null
                             else if (!isActive) acc.statusDesc
                             else if (acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName)
+                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        balance       = balance,
+                        bankLogoRes   = logoRes
                     ))
                 }
             }
@@ -287,6 +315,17 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
     private fun fetchImage(hash: String) {
         if (!pendingHashes.add(hash)) return
+        // Local image keys for BML/Fahipay (prefixed with "local:")
+        if (hash.startsWith("local:")) {
+            val key = hash.removePrefix("local:")
+            lifecycleScope.launch(Dispatchers.IO) {
+                val bitmap = ProfileImageStore.load(requireContext(), key) ?: run {
+                    pendingHashes.remove(hash); return@launch
+                }
+                withContext(Dispatchers.Main) { pagerAdapter.updateImage(hash, bitmap) }
+            }
+            return
+        }
         val sess = session ?: return
         lifecycleScope.launch(Dispatchers.IO) {
             try {
@@ -306,9 +345,24 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         }
     }
 
+    private fun maskAmount(formatted: String): String {
+        val currency = formatted.substringBefore(' ', formatted)
+        return "$currency ••••••"
+    }
+
     private fun currencyMismatchReason(fromCurrency: String, toCurrency: String): String? =
         if (fromCurrency == "MVR" && toCurrency == "USD") "Cannot transfer from MVR to USD account" else null
 
+    /** Returns the ProfileImageStore key for BML/Fahipay accounts, or null for MIB/others. */
+    private fun localImageKeyFor(acc: sh.sar.basedbank.api.models.BankAccount): String? = when (acc.bank) {
+        "BML" -> if (acc.profileId.isNotBlank()) sh.sar.basedbank.util.ProfileImageStore.bmlKey(acc.profileId) else null
+        "FAHIPAY" -> {
+            val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(acc.loginTag)
+            if (loginId.isNotBlank()) sh.sar.basedbank.util.ProfileImageStore.fahipayKey(loginId) else null
+        }
+        else -> null
+    }
+
     override fun onDestroyView() {
         super.onDestroyView()
         _binding = null

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

@@ -23,7 +23,7 @@ import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.FragmentContactsBinding
 import sh.sar.basedbank.util.ContactDisplay
@@ -134,6 +134,11 @@ class ContactsFragment : Fragment() {
 
         (activity as? HomeActivity)?.loadAllContacts()
 
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
+        }
+
         viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
             rebuildPager(cats)
         }
@@ -153,7 +158,7 @@ class ContactsFragment : Fragment() {
         }.also { it.attach() }
     }
 
-    private fun rebuildPager(cats: List<MibBeneficiaryCategory>) {
+    private fun rebuildPager(cats: List<BankContactCategory>) {
         val pages = buildList {
             add(TabPage(null, getString(R.string.contacts_tab_all)))
             cats.forEach { add(TabPage(it.id, it.categoryName)) }

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

@@ -1,19 +1,31 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Activity
 import android.content.Context
+import android.content.Intent
 import android.os.Bundle
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.TextView
+import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
 import androidx.core.content.ContextCompat
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
+import androidx.recyclerview.widget.LinearLayoutManager
+import androidx.recyclerview.widget.LinearSnapHelper
+import androidx.recyclerview.widget.RecyclerView
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlForeignLimit
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
+import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
 import sh.sar.basedbank.databinding.ItemForeignLimitBinding
 
@@ -23,6 +35,22 @@ class DashboardFragment : Fragment() {
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
 
+    private var pendingQrAccountNumber: String? = null
+
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
+            (requireActivity() as HomeActivity).navigateTo(
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
+            )
+        } else {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+        }
+        pendingQrAccountNumber = null
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentDashboardBinding.inflate(inflater, container, false)
         return binding.root
@@ -30,8 +58,40 @@ class DashboardFragment : Fragment() {
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         viewModel.accounts.observe(viewLifecycleOwner) { updateBalances(it) }
-        viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances(it) }
+        viewModel.financing.observe(viewLifecycleOwner) { updatePendingFinances() }
+        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) { updatePendingFinances() }
         viewModel.bmlLimits.observe(viewLifecycleOwner) { updateForeignLimits(it) }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) {
+            updateBalances(viewModel.accounts.value ?: emptyList())
+            updatePendingFinances()
+            updateForeignLimits(viewModel.bmlLimits.value ?: emptyList())
+        }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
+        }
+
+        binding.cardPendingFinances.setOnClickListener {
+            (activity as? HomeActivity)?.navigateTo(R.id.nav_finances)
+        }
+
+        val cardAdapter = DashboardCardAdapter()
+        binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
+        binding.rvCards.adapter = cardAdapter
+        LinearSnapHelper().attachToRecyclerView(binding.rvCards)
+
+        val updateCardList = {
+            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val bmlItems = (viewModel.accounts.value ?: emptyList())
+                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) }
+                .map { CardItem.Bml(it) }
+            val all = mibItems + bmlItems
+            cardAdapter.update(all)
+            binding.sectionCards.visibility = if (all.isNotEmpty()) View.VISIBLE else View.GONE
+        }
+        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
+        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
 
         val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
         ViewCompat.setOnApplyWindowInsetsListener(binding.buttonBar) { v, insets ->
@@ -63,48 +123,200 @@ class DashboardFragment : Fragment() {
         }
     }
 
-    private fun updateBalances(accounts: List<MibAccount>) {
-        val mvrTotal = accounts
+    private fun updateBalances(accounts: List<BankAccount>) {
+        val hide = viewModel.hideAmounts.value ?: false
+
+        val nonCreditAccounts = accounts.filter { it.profileType != "BML_CREDIT" && it.profileType != "BML_LOAN" }
+        val creditAccounts = accounts.filter { it.profileType == "BML_CREDIT" }
+
+        if (hide) {
+            binding.tvMvrBalance.text = "MVR ••••••"
+            binding.tvUsdBalance.text = "USD ••••••"
+            if (creditAccounts.isNotEmpty()) {
+                binding.rowCreditCards.visibility = View.VISIBLE
+                val hasMvrCredit = creditAccounts.any { it.currencyName.equals("MVR", ignoreCase = true) }
+                val hasUsdCredit = creditAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+                binding.cardMvrCredit.visibility = if (hasMvrCredit) View.VISIBLE else View.GONE
+                binding.cardUsdCredit.visibility = if (hasUsdCredit) View.VISIBLE else View.GONE
+                binding.tvMvrCredit.text = "MVR ••••••"
+                binding.tvUsdCredit.text = "USD ••••••"
+            } else {
+                binding.rowCreditCards.visibility = View.GONE
+            }
+            return
+        }
+
+        val mvrTotal = nonCreditAccounts
             .filter { it.currencyName.equals("MVR", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
-        val usdTotal = accounts
+        val usdTotal = nonCreditAccounts
             .filter { it.currencyName.equals("USD", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
 
         binding.tvMvrBalance.text = "MVR %,.2f".format(mvrTotal)
         binding.tvUsdBalance.text = "USD %,.2f".format(usdTotal)
+
+        val mvrCredit = creditAccounts
+            .filter { it.currencyName.equals("MVR", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+        val usdCredit = creditAccounts
+            .filter { it.currencyName.equals("USD", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+
+        if (creditAccounts.isNotEmpty()) {
+            binding.rowCreditCards.visibility = View.VISIBLE
+            binding.cardMvrCredit.visibility = if (mvrCredit > 0) View.VISIBLE else View.GONE
+            binding.cardUsdCredit.visibility = if (usdCredit > 0) View.VISIBLE else View.GONE
+            binding.tvMvrCredit.text = "MVR %,.2f".format(mvrCredit)
+            binding.tvUsdCredit.text = "USD %,.2f".format(usdCredit)
+        } else {
+            binding.rowCreditCards.visibility = View.GONE
+        }
     }
 
+    private val expandedLimits = mutableSetOf<Int>()
+
     private fun updateForeignLimits(entries: List<HomeViewModel.BmlLimitsData>) {
+        val hide = viewModel.hideAmounts.value ?: false
         binding.containerForeignLimits.removeAllViews()
+        var cardIndex = 0
         for (entry in entries) {
             for (limit in entry.limits) {
+                val idx = cardIndex++
                 val card = ItemForeignLimitBinding.inflate(layoutInflater, binding.containerForeignLimits, false)
-                card.tvLimitUserName.text = entry.userName.ifBlank { "BML" }
-                card.tvLimitType.text = limit.type
-                card.tvLimitGeneral.text = "USD %,.0f / %,.0f".format(limit.generalRemaining, limit.generalCap)
-                card.tvLimitMedical.text = "USD %,.0f".format(limit.medicalRemaining)
-                card.tvLimitAtm.text = if (!limit.isAtmEnabled)
-                    "USD %,.0f / %,.0f · Disabled".format(limit.atmRemaining, limit.atmLimit)
-                else
-                    "USD %,.0f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
-                card.tvLimitEcom.text = "USD %,.0f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
-                card.tvLimitPos.text = if (!limit.isPosEnabled)
-                    "USD %,.0f / %,.0f · Disabled".format(limit.posRemaining, limit.posLimit)
-                else
-                    "USD %,.0f / %,.0f".format(limit.posRemaining, limit.posLimit)
+                bindLimitCard(card, entry.userName, limit, hide, idx in expandedLimits)
+                card.root.setOnClickListener {
+                    if (idx in expandedLimits) expandedLimits.remove(idx) else expandedLimits.add(idx)
+                    updateForeignLimits(entries)
+                }
                 binding.containerForeignLimits.addView(card.root)
             }
         }
     }
 
-    private fun updatePendingFinances(deals: List<MibFinanceDeal>) {
-        val total = deals.sumOf { it.outstandingAmount }
-        binding.tvPendingFinances.text = "MVR %,.2f".format(total)
+    private fun bindLimitCard(
+        card: ItemForeignLimitBinding,
+        userName: String,
+        limit: BmlForeignLimit,
+        hide: Boolean,
+        expanded: Boolean
+    ) {
+        card.tvLimitUserName.text = userName.ifBlank { "BML" }
+        card.tvLimitType.text = limit.type
+
+        // ECOM (always visible)
+        card.tvLimitEcom.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
+        card.progressEcom.progress = if (hide || limit.ecomLimit <= 0) 0
+            else ((limit.ecomRemaining / limit.ecomLimit) * 100).toInt().coerceIn(0, 100)
+
+        // General (always visible)
+        card.tvLimitGeneral.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.generalRemaining, limit.generalCap)
+        card.progressGeneral.progress = if (hide || limit.generalCap <= 0) 0
+            else ((limit.generalRemaining / limit.generalCap) * 100).toInt().coerceIn(0, 100)
+
+        // Expanded section
+        val detailsVisible = if (expanded) View.VISIBLE else View.GONE
+        card.dividerLimitDetails.visibility = detailsVisible
+        card.detailsGroup.visibility = detailsVisible
+
+        if (expanded) {
+            // ATM
+            if (!limit.isAtmEnabled) card.tvAtmLabel.append(" (Disabled)")
+            card.tvLimitAtm.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
+            card.progressAtm.progress = if (hide || limit.atmLimit <= 0) 0
+                else ((limit.atmRemaining / limit.atmLimit) * 100).toInt().coerceIn(0, 100)
+
+            // POS
+            if (!limit.isPosEnabled) card.tvPosLabel.append(" (Disabled)")
+            card.tvLimitPos.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.posRemaining, limit.posLimit)
+            card.progressPos.progress = if (hide || limit.posLimit <= 0) 0
+                else ((limit.posRemaining / limit.posLimit) * 100).toInt().coerceIn(0, 100)
+
+            // Medical
+            card.tvLimitMedical.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.medicalRemaining, limit.totalLimit)
+            card.progressMedical.progress = if (hide || limit.totalLimit <= 0) 0
+                else ((limit.medicalRemaining / limit.totalLimit) * 100).toInt().coerceIn(0, 100)
+        }
+    }
+
+    private fun updatePendingFinances() {
+        val hide = viewModel.hideAmounts.value ?: false
+        val mibTotal = (viewModel.financing.value ?: emptyList()).sumOf { it.outstandingAmount }
+        val bmlLoanDetails = viewModel.bmlLoanDetails.value ?: emptyMap()
+        val bmlTotal = bmlLoanDetails.values.sumOf { abs(it.outstandingAmt) }
+        val total = mibTotal + bmlTotal
+        binding.tvPendingFinances.text = if (hide) "MVR ••••••" else "MVR %,.2f".format(total)
     }
 
     override fun onDestroyView() {
         super.onDestroyView()
         _binding = null
     }
+
+    private inner class DashboardCardAdapter : RecyclerView.Adapter<DashboardCardAdapter.VH>() {
+        private var cards: List<CardItem> = emptyList()
+
+        fun update(newCards: List<CardItem>) {
+            cards = newCards
+            notifyDataSetChanged()
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH {
+            val view = LayoutInflater.from(parent.context)
+                .inflate(R.layout.item_card_dashboard, parent, false)
+            return VH(view)
+        }
+
+        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun getItemCount() = cards.size
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
+            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
+            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
+            private val tvCardStatus: TextView = view.findViewById(R.id.tvCardStatus)
+            private val btnPayQr: View = view.findViewById(R.id.btnPayQr)
+            private val btnPayNfc: View = view.findViewById(R.id.btnPayNfc)
+
+            fun bind(item: CardItem) {
+                when (item) {
+                    is CardItem.Mib -> {
+                        tvCardOwner.text = item.card.cardHolderName
+                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.card.maskedCardNumber)
+                        val assetPath = PayWithCardFragment.cardImageAsset(item.card)
+                        if (assetPath != null) PayWithCardFragment.loadCardImage(ivCardImage, assetPath)
+                        else ivCardImage.setImageDrawable(null)
+                        PayWithCardFragment.bindCardStatus(tvCardStatus, PayWithCardFragment.mibCardStatusLabel(item.card.cardStatus))
+                    }
+                    is CardItem.Bml -> {
+                        tvCardOwner.text = item.account.accountBriefName
+                        tvCardNumber.text = PayWithCardFragment.formatMasked(item.account.accountNumber)
+                        PayWithCardFragment.loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
+                        PayWithCardFragment.bindCardStatus(tvCardStatus, null)  // only Active BML cards reach dashboard
+                    }
+                }
+                val isMib = item is CardItem.Mib
+                btnPayQr.setOnClickListener {
+                    if (isMib) {
+                        Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                    } else {
+                        pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
+                        qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+                    }
+                }
+                val nfcAdapter = android.nfc.NfcAdapter.getDefaultAdapter(requireContext())
+                val nfcSupported = nfcAdapter != null
+                btnPayNfc.isEnabled = nfcSupported
+                btnPayNfc.setOnClickListener {
+                    val msg = if (isMib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
+                    Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+                }
+            }
+        }
+    }
 }

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

@@ -5,92 +5,139 @@ import android.view.View
 import android.view.ViewGroup
 import androidx.recyclerview.widget.RecyclerView
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.api.mib.MibFinancingClient
+import sh.sar.basedbank.databinding.ItemBmlLoanBinding
 import sh.sar.basedbank.databinding.ItemFinanceDealBinding
 import java.text.NumberFormat
 import java.text.SimpleDateFormat
 import java.util.Calendar
 import java.util.Locale
+import kotlin.math.abs
+import kotlin.math.ceil
 
-class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
-    RecyclerView.Adapter<FinancingAdapter.ViewHolder>() {
+class FinancingAdapter(mibDeals: List<MibFinanceDeal>) :
+    RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    private sealed class Item {
+        data class Mib(val deal: MibFinanceDeal) : Item()
+        data class Bml(val account: BankAccount, val detail: BmlLoanDetail?) : Item()
+    }
+
+    private var items: List<Item> = mibDeals.map { Item.Mib(it) }
+    private var hideAmounts: Boolean = false
 
     private val expandedPositions = mutableSetOf<Int>()
     private val amountFmt = NumberFormat.getNumberInstance(Locale.US).apply {
         minimumFractionDigits = 2
         maximumFractionDigits = 2
     }
-    private val inputDateFmt = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    private val mibDateFmt = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    private val isoDateFmt = SimpleDateFormat("yyyy-MM-dd'T'HH:mm:ssXXX", Locale.US)
     private val outputDateFmt = SimpleDateFormat("d MMM yyyy", Locale.US)
 
-    fun updateDeals(newDeals: List<MibFinanceDeal>) {
-        deals = newDeals
-        expandedPositions.clear()
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
         notifyDataSetChanged()
     }
 
-    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
-        val binding = ItemFinanceDealBinding.inflate(LayoutInflater.from(parent.context), parent, false)
-        return ViewHolder(binding)
+    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>) {
+        expandedPositions.clear()
+        items = mibDeals.map { Item.Mib(it) } + bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        notifyDataSetChanged()
     }
 
-    override fun onBindViewHolder(holder: ViewHolder, position: Int) {
-        holder.bind(deals[position], position in expandedPositions)
-        holder.binding.root.setOnClickListener {
+    // Legacy compatibility — used on initial empty construction
+    fun updateDeals(newDeals: List<MibFinanceDeal>) {
+        expandedPositions.clear()
+        val bmlItems = items.filterIsInstance<Item.Bml>()
+        items = newDeals.map { Item.Mib(it) } + bmlItems
+        notifyDataSetChanged()
+    }
+
+    fun updateBmlLoans(loans: List<Pair<BankAccount, BmlLoanDetail?>>) {
+        expandedPositions.clear()
+        val mibItems = items.filterIsInstance<Item.Mib>()
+        items = mibItems + loans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemViewType(position: Int) = when (items[position]) {
+        is Item.Mib -> TYPE_MIB
+        is Item.Bml -> TYPE_BML
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return when (viewType) {
+            TYPE_BML -> BmlViewHolder(ItemBmlLoanBinding.inflate(inflater, parent, false))
+            else     -> MibViewHolder(ItemFinanceDealBinding.inflate(inflater, parent, false))
+        }
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        val expanded = position in expandedPositions
+        when (val item = items[position]) {
+            is Item.Mib -> (holder as MibViewHolder).bind(item.deal, expanded)
+            is Item.Bml -> (holder as BmlViewHolder).bind(item.account, item.detail, expanded)
+        }
+        holder.itemView.setOnClickListener {
             val pos = holder.bindingAdapterPosition
             if (pos in expandedPositions) expandedPositions.remove(pos) else expandedPositions.add(pos)
             notifyItemChanged(pos)
         }
     }
 
-    override fun getItemCount() = deals.size
+    override fun getItemCount() = items.size
 
-    inner class ViewHolder(val binding: ItemFinanceDealBinding) :
+    // ── MIB ViewHolder ────────────────────────────────────────────────────────
+
+    inner class MibViewHolder(val binding: ItemFinanceDealBinding) :
         RecyclerView.ViewHolder(binding.root) {
 
         fun bind(deal: MibFinanceDeal, expanded: Boolean) {
             val ctx = binding.root.context
             val currency = deal.currency
+            val hide = hideAmounts
 
             binding.tvProductName.text = deal.productDesc
             binding.tvDealNo.text = ctx.getString(R.string.financing_deal_no_fmt, deal.dealNo)
             binding.tvStatus.text = deal.statusDesc
-            binding.tvTotal.text = "$currency ${amountFmt.format(deal.dealAmount)}"
-            binding.tvPaid.text = "$currency ${amountFmt.format(deal.paidAmount)}"
-            binding.tvUnpaid.text = "$currency ${amountFmt.format(deal.outstandingAmount)}"
+            binding.tvTotal.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.dealAmount)}"
+            binding.tvPaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.paidAmount)}"
+            binding.tvUnpaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.outstandingAmount)}"
 
-            // Progress bar
             val progress = if (deal.dealAmount > 0)
                 ((deal.paidAmount / deal.dealAmount) * 100).toInt().coerceIn(0, 100)
             else 0
-            binding.progressBar.progress = progress
+            binding.progressBar.progress = if (hide) 0 else progress
 
-            // Completion estimate
-            binding.tvCompletion.text = completionText(deal, ctx)
+            binding.tvCompletion.text = mibCompletionText(deal, ctx)
 
-            // Expanded details
             val detailsVisible = if (expanded) View.VISIBLE else View.GONE
             binding.dividerDetails.visibility = detailsVisible
             binding.detailsGroup.visibility = detailsVisible
 
             if (expanded) {
-                binding.tvDealDate.text = formatDate(deal.dealDate)
-                binding.tvInstallment.text = "$currency ${amountFmt.format(deal.installmentAmount)}"
+                binding.tvDealDate.text = formatMibDate(deal.dealDate)
+                binding.tvInstallment.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.installmentAmount)}"
                 binding.tvNumInstallments.text = deal.noOfInstallments.toString()
-                binding.tvLastPaidDate.text = formatDate(deal.lastPaidDate)
-                binding.tvLastPayAmount.text = "$currency ${amountFmt.format(deal.lastPayAmount)}"
+                binding.tvLastPaidDate.text = formatMibDate(deal.lastPaidDate)
+                binding.tvLastPayAmount.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.lastPayAmount)}"
 
                 if (deal.overdueAmount > 0) {
                     binding.rowOverdue.visibility = View.VISIBLE
-                    binding.tvOverdue.text = "$currency ${amountFmt.format(deal.overdueAmount)}"
+                    binding.tvOverdue.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(deal.overdueAmount)}"
                 } else {
                     binding.rowOverdue.visibility = View.GONE
                 }
             }
         }
 
-        private fun completionText(deal: MibFinanceDeal, ctx: android.content.Context): String {
+        private fun mibCompletionText(deal: MibFinanceDeal, ctx: android.content.Context): String {
             if (deal.outstandingAmount <= 0.0) return ctx.getString(R.string.financing_completion_done)
             val remaining = MibFinancingClient.remainingMonths(deal)
             if (remaining <= 0) return ctx.getString(R.string.financing_completion_done)
@@ -100,12 +147,84 @@ class FinancingAdapter(private var deals: List<MibFinanceDeal>) :
             return ctx.getString(R.string.financing_completion_fmt, month)
         }
 
-        private fun formatDate(raw: String): String {
+        private fun formatMibDate(raw: String): String {
             return try {
-                outputDateFmt.format(inputDateFmt.parse(raw)!!)
-            } catch (_: Exception) {
-                raw.take(10)
-            }
+                outputDateFmt.format(mibDateFmt.parse(raw)!!)
+            } catch (_: Exception) { raw.take(10) }
         }
     }
+
+    // ── BML ViewHolder ────────────────────────────────────────────────────────
+
+    inner class BmlViewHolder(val binding: ItemBmlLoanBinding) :
+        RecyclerView.ViewHolder(binding.root) {
+
+        fun bind(account: BankAccount, detail: BmlLoanDetail?, expanded: Boolean) {
+            val ctx = binding.root.context
+            val currency = account.currencyName
+            val hide = hideAmounts
+
+            binding.tvLoanProduct.text = account.accountTypeName
+                .trim().lowercase().split(" ")
+                .joinToString(" ") { it.replaceFirstChar { c -> c.uppercaseChar() } }
+            binding.tvLoanAccount.text = account.accountNumber
+            binding.tvLoanStatus.text = detail?.loanStatus?.ifBlank { account.statusDesc } ?: account.statusDesc
+
+            val loanAmt  = detail?.loanAmount ?: 0.0
+            val outstanding = if (detail != null) abs(detail.outstandingAmt) else account.availableBalance.toDoubleOrNull() ?: 0.0
+            val paid     = (loanAmt - outstanding).coerceAtLeast(0.0)
+
+            binding.tvLoanTotal.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(loanAmt)}"
+            binding.tvLoanPaid.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(paid)}"
+            binding.tvLoanOutstanding.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(outstanding)}"
+
+            val progress = if (loanAmt > 0) ((paid / loanAmt) * 100).toInt().coerceIn(0, 100) else 0
+            binding.loanProgressBar.progress = if (hide) 0 else progress
+
+            binding.tvLoanCompletion.text = bmlCompletionText(detail, ctx)
+
+            val detailsVisible = if (expanded) View.VISIBLE else View.GONE
+            binding.loanDividerDetails.visibility = detailsVisible
+            binding.loanDetailsGroup.visibility = detailsVisible
+
+            if (expanded && detail != null) {
+                binding.tvLoanRepayment.text = if (hide) "$currency ••••••" else "$currency ${amountFmt.format(detail.repayAmount)}"
+                binding.tvLoanIntRate.text = ctx.getString(R.string.loan_rate_fmt, detail.intRate)
+                binding.tvLoanStartDate.text = formatIsoDate(detail.startDate)
+                binding.tvLoanEndDate.text = formatIsoDate(detail.endDate)
+
+                if (detail.overdueAmount > 0) {
+                    binding.loanRowOverdue.visibility = View.VISIBLE
+                    binding.tvLoanOverdue.text = if (hide) "$currency ••••••"
+                        else "$currency ${amountFmt.format(detail.overdueAmount)} (${detail.noOfRepayOverdue})"
+                } else {
+                    binding.loanRowOverdue.visibility = View.GONE
+                }
+            }
+        }
+
+        private fun bmlCompletionText(detail: BmlLoanDetail?, ctx: android.content.Context): String {
+            if (detail == null) return ""
+            val outstanding = abs(detail.outstandingAmt)
+            if (outstanding <= 0.0 || detail.repayAmount <= 0.0)
+                return ctx.getString(R.string.financing_completion_done)
+            val remaining = ceil(outstanding / detail.repayAmount).toInt()
+            if (remaining <= 0) return ctx.getString(R.string.financing_completion_done)
+            val cal = Calendar.getInstance()
+            cal.add(Calendar.MONTH, remaining)
+            val month = SimpleDateFormat("MMMM yyyy", Locale.getDefault()).format(cal.time)
+            return ctx.getString(R.string.financing_completion_fmt, month)
+        }
+
+        private fun formatIsoDate(raw: String): String {
+            return try {
+                outputDateFmt.format(isoDateFmt.parse(raw)!!)
+            } catch (_: Exception) { raw.take(10) }
+        }
+    }
+
+    companion object {
+        private const val TYPE_MIB = 0
+        private const val TYPE_BML = 1
+    }
 }

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

@@ -10,6 +10,9 @@ import androidx.fragment.app.Fragment
 import androidx.fragment.app.activityViewModels
 import androidx.recyclerview.widget.LinearLayoutManager
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.mib.MibFinanceDeal
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentFinancingBinding
 
 class FinancingFragment : Fragment() {
@@ -19,6 +22,9 @@ class FinancingFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
     private lateinit var adapter: FinancingAdapter
 
+    private var latestMibDeals: List<MibFinanceDeal> = emptyList()
+    private var latestBmlLoanDetails: Map<String, BmlLoanDetail> = emptyMap()
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentFinancingBinding.inflate(inflater, container, false)
         return binding.root
@@ -38,12 +44,35 @@ class FinancingFragment : Fragment() {
             insets
         }
 
-        viewModel.financing.observe(viewLifecycleOwner) { deals ->
-            adapter.updateDeals(deals)
-            binding.recyclerView.visibility = if (deals.isEmpty()) View.GONE else View.VISIBLE
-            binding.emptyView.visibility = if (deals.isEmpty()) View.VISIBLE else View.GONE
-            binding.loadingView.visibility = View.GONE
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+            binding.swipeRefresh.isRefreshing = false
         }
+
+        viewModel.accounts.observe(viewLifecycleOwner) { rebuildAdapter() }
+        viewModel.financing.observe(viewLifecycleOwner) { deals ->
+            latestMibDeals = deals
+            rebuildAdapter()
+        }
+        viewModel.bmlLoanDetails.observe(viewLifecycleOwner) { details ->
+            latestBmlLoanDetails = details
+            rebuildAdapter()
+        }
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+    }
+
+    private fun rebuildAdapter() {
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val loanAccounts = accounts.filter { it.profileType == "BML_LOAN" }
+        val bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>> =
+            loanAccounts.map { acc -> acc to latestBmlLoanDetails[acc.internalId] }
+
+        adapter.update(latestMibDeals, bmlLoans)
+
+        val isEmpty = latestMibDeals.isEmpty() && bmlLoans.isEmpty()
+        binding.recyclerView.visibility = if (isEmpty) View.GONE else View.VISIBLE
+        binding.emptyView.visibility = if (isEmpty) View.VISIBLE else View.GONE
+        binding.loadingView.visibility = View.GONE
     }
 
     override fun onResume() {

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

@@ -14,10 +14,15 @@ import android.widget.Toast
 import sh.sar.basedbank.ui.home.NavCustomization
 import androidx.appcompat.app.AlertDialog
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import androidx.activity.OnBackPressedCallback
 import androidx.activity.viewModels
 import androidx.appcompat.app.ActionBarDrawerToggle
+import androidx.core.view.GravityCompat
 import androidx.appcompat.app.AppCompatActivity
+import androidx.core.view.ViewCompat
 import androidx.core.view.WindowCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.view.updatePadding
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.lifecycle.Lifecycle
@@ -33,17 +38,26 @@ import okhttp3.RequestBody.Companion.toRequestBody
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.AuthExpiredException
-import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.models.BankServerException
+import java.util.concurrent.ConcurrentLinkedQueue
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlContactsClient
+import sh.sar.basedbank.api.bml.BmlForeignLimitsClient
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.fahipay.FahipayAccountClient
+import sh.sar.basedbank.api.fahipay.FahipayContactsClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.databinding.ActivityHomeBinding
 import sh.sar.basedbank.ui.login.LoginActivity
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibCardsClient
 import sh.sar.basedbank.api.mib.MibFinancingClient
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.MibSession
@@ -51,6 +65,7 @@ import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.util.AccountCache
 import sh.sar.basedbank.util.ContactsCache
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.FinancingCache
 import sh.sar.basedbank.util.ForeignLimitsCache
 
@@ -61,6 +76,10 @@ class HomeActivity : AppCompatActivity() {
     private lateinit var toggle: ActionBarDrawerToggle
     private var suppressBottomNavCallback = false
 
+    private var backPressedOnce = false
+    private val backPressHandler = Handler(Looper.getMainLooper())
+    private val resetBackPress = Runnable { backPressedOnce = false }
+
     private val autolockHandler = Handler(Looper.getMainLooper())
     private var warningDialog: AlertDialog? = null
     private var countdownTimer: CountDownTimer? = null
@@ -108,6 +127,12 @@ class HomeActivity : AppCompatActivity() {
         binding.drawerLayout.addDrawerListener(toggle)
         toggle.syncState()
 
+        ViewCompat.setOnApplyWindowInsetsListener(binding.navigationView) { v, insets ->
+            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.updatePadding(top = bars.top, bottom = bars.bottom)
+            insets
+        }
+
         binding.bottomNavigation.setOnItemSelectedListener { item ->
             if (suppressBottomNavCallback) return@setOnItemSelectedListener true
             val frag = when (item.itemId) {
@@ -115,11 +140,15 @@ class HomeActivity : AppCompatActivity() {
                 R.id.nav_accounts         -> AccountsFragment()
                 R.id.nav_contacts         -> ContactsFragment()
                 R.id.nav_transfer         -> TransferFragment()
+                R.id.nav_pay_mv_qr        -> PayMvQrFragment()
                 R.id.nav_more             -> MoreFragment()
+                R.id.nav_activities       -> ActivitiesFragment()
                 R.id.nav_transfer_history -> TransferHistoryFragment()
                 R.id.nav_finances         -> FinancingFragment()
                 R.id.nav_otp              -> OtpFragment()
                 R.id.nav_settings         -> SettingsFragment()
+                R.id.nav_pay_with_card    -> PayWithCardFragment()
+                R.id.nav_card_settings    -> CardSettingsFragment()
                 else -> null
             }
             if (frag != null) show(frag)
@@ -151,8 +180,12 @@ class HomeActivity : AppCompatActivity() {
                 byLoginId.forEach { (loginId, accs) -> AccountCache.saveFahipay(this, loginId, accs) }
             }
 
+            val cachedCards = CardsCache.load(this)
+            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
+            val cachedBmlLoans = FinancingCache.loadBmlLoans(this)
+            if (cachedBmlLoans.isNotEmpty()) viewModel.bmlLoanDetails.value = cachedBmlLoans
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
@@ -161,6 +194,8 @@ class HomeActivity : AppCompatActivity() {
                 refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
             }
             for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
+            refreshBmlLoanDetails()
+            triggerRefreshCards()
         } else {
             // Came from lock screen — show caches immediately, refresh everything in background
             val store = CredentialStore(this)
@@ -169,20 +204,62 @@ class HomeActivity : AppCompatActivity() {
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
             val merged = cachedMib + cachedBml + cachedFahipay
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
+            val cachedCards = CardsCache.load(this)
+            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
+            val cachedBmlLoans = FinancingCache.loadBmlLoans(this)
+            if (cachedBmlLoans.isNotEmpty()) viewModel.bmlLoanDetails.value = cachedBmlLoans
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
             autoRefresh(store)
         }
 
+        viewModel.hideAmounts.value = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("hide_amounts", false)
+
         // Show dashboard on first create
         if (savedInstanceState == null) {
             show(DashboardFragment())
             binding.navigationView.setCheckedItem(R.id.nav_dashboard)
         }
 
+        onBackPressedDispatcher.addCallback(this, object : OnBackPressedCallback(true) {
+            override fun handleOnBackPressed() {
+                // Close drawer if open (drawer-nav mode)
+                if (binding.drawerLayout.isDrawerOpen(GravityCompat.START)) {
+                    binding.drawerLayout.closeDrawers()
+                    return
+                }
+                // Pop fragment back stack if there's anything on it (e.g. showWithBackStack)
+                if (supportFragmentManager.backStackEntryCount > 0) {
+                    supportFragmentManager.popBackStack()
+                    return
+                }
+                // In bottom nav mode, pressing back navigates up the hierarchy
+                val isBottomNav = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav", false)
+                if (isBottomNav && binding.bottomNavigation.selectedItemId != R.id.nav_dashboard) {
+                    val currentFrag = supportFragmentManager.findFragmentById(R.id.contentFrame)
+                    // Sub-page reached via More (e.g. Settings, Activities) — go back to More
+                    if (binding.bottomNavigation.selectedItemId == R.id.nav_more && currentFrag !is MoreFragment) {
+                        show(MoreFragment())
+                        return
+                    }
+                    binding.bottomNavigation.selectedItemId = R.id.nav_dashboard
+                    return
+                }
+                // At top level — require double-tap to exit
+                if (backPressedOnce) {
+                    backPressHandler.removeCallbacks(resetBackPress)
+                    finish()
+                } else {
+                    backPressedOnce = true
+                    Toast.makeText(this@HomeActivity, R.string.press_back_to_exit, Toast.LENGTH_SHORT).show()
+                    backPressHandler.postDelayed(resetBackPress, 2000)
+                }
+            }
+        })
+
         // Keep all MIB sessions alive every 25 seconds while the app is in the foreground
         lifecycleScope.launch {
             repeatOnLifecycle(Lifecycle.State.STARTED) {
@@ -248,9 +325,22 @@ class HomeActivity : AppCompatActivity() {
         }
         menu.add(Menu.NONE, R.id.nav_more, 4, R.string.nav_more)
             .setIcon(R.drawable.ic_nav_more)
+        // Restore selection to current destination after menu rebuild
+        val currentId = binding.navigationView.checkedItem?.itemId
+        if (currentId != null) {
+            val bottomNavIds = (0 until menu.size()).map { menu.getItem(it).itemId }.toSet()
+            val selectId = if (currentId in bottomNavIds) currentId
+                           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 applyNavLabelVisibility() {
+fun applyNavLabelVisibility() {
         val showLabels = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("bottom_nav_show_labels", true)
         binding.bottomNavigation.labelVisibilityMode =
             if (showLabels) NavigationBarView.LABEL_VISIBILITY_LABELED
@@ -259,14 +349,18 @@ class HomeActivity : AppCompatActivity() {
 
     fun navigateTo(itemId: Int, fragment: Fragment? = null) {
         val dest = fragment ?: when (itemId) {
-            R.id.nav_dashboard -> DashboardFragment()
-            R.id.nav_accounts -> AccountsFragment()
-            R.id.nav_contacts -> ContactsFragment()
-            R.id.nav_transfer -> TransferFragment()
+            R.id.nav_dashboard        -> DashboardFragment()
+            R.id.nav_accounts         -> AccountsFragment()
+            R.id.nav_contacts         -> ContactsFragment()
+            R.id.nav_transfer         -> TransferFragment()
+            R.id.nav_pay_mv_qr        -> PayMvQrFragment()
+            R.id.nav_activities       -> ActivitiesFragment()
             R.id.nav_transfer_history -> TransferHistoryFragment()
-            R.id.nav_finances -> FinancingFragment()
-            R.id.nav_otp -> OtpFragment()
-            R.id.nav_settings -> SettingsFragment()
+            R.id.nav_finances         -> FinancingFragment()
+            R.id.nav_otp              -> OtpFragment()
+            R.id.nav_settings         -> SettingsFragment()
+            R.id.nav_pay_with_card    -> PayWithCardFragment()
+            R.id.nav_card_settings    -> CardSettingsFragment()
             else -> { Toast.makeText(this, R.string.work_in_progress, Toast.LENGTH_SHORT).show(); return }
         }
         show(dest)
@@ -290,6 +384,19 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
+    fun triggerRefresh() {
+        autoRefresh(CredentialStore(this))
+    }
+
+    fun triggerRefreshFinancing() {
+        val app = application as BasedBankApp
+        for ((loginId, session) in app.mibSessions) {
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+        }
+        refreshBmlLoanDetails()
+    }
+
     fun setRefreshing(visible: Boolean) {
         binding.refreshIndicator.visibility = if (visible) View.VISIBLE else View.GONE
     }
@@ -303,11 +410,12 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onResume() {
         super.onResume()
-        // Returning from LockActivity — skip the elapsed check and reset state.
+        // Returning from LockActivity — refresh sessions since they may have expired.
         if (isLocked) {
             isLocked = false
             pauseTime = 0L
             resetAutolockTimer()
+            autoRefresh(CredentialStore(this))
             return
         }
         // If we were away long enough to have hit the autolock timeout (e.g. while
@@ -320,6 +428,9 @@ class HomeActivity : AppCompatActivity() {
                 lock()
                 return
             }
+            if (elapsed > 45_000L) {
+                autoRefresh(CredentialStore(this))
+            }
         }
         resetAutolockTimer()
     }
@@ -383,12 +494,34 @@ class HomeActivity : AppCompatActivity() {
 
     override fun onCreateOptionsMenu(menu: Menu): Boolean {
         menuInflater.inflate(R.menu.toolbar_menu, menu)
+        val eyeEnabled = getSharedPreferences("prefs", MODE_PRIVATE).getBoolean("hide_sensitive_info", false)
+        val eyeItem = menu.findItem(R.id.action_hide_amounts)
+        eyeItem?.isVisible = eyeEnabled
+        val hidden = viewModel.hideAmounts.value ?: false
+        eyeItem?.setIcon(if (hidden) R.drawable.ic_visibility_off else R.drawable.ic_visibility)
         return true
     }
 
     override fun onOptionsItemSelected(item: MenuItem): Boolean {
         if (item.itemId == R.id.action_lock) {
-            lock()
+            val avd = getDrawable(R.drawable.avd_lock) as? android.graphics.drawable.AnimatedVectorDrawable
+            if (avd != null) {
+                item.icon = avd
+                avd.start()
+                Handler(Looper.getMainLooper()).postDelayed({ lock() }, 200)
+            } else {
+                lock()
+            }
+            return true
+        }
+        if (item.itemId == R.id.action_hide_amounts) {
+            val newHidden = !(viewModel.hideAmounts.value ?: false)
+            viewModel.hideAmounts.value = newHidden
+            getSharedPreferences("prefs", MODE_PRIVATE).edit().putBoolean("hide_amounts", newHidden).apply()
+            val avd = getDrawable(if (newHidden) R.drawable.avd_hide_amounts else R.drawable.avd_show_amounts)
+                    as? android.graphics.drawable.AnimatedVectorDrawable
+            item.icon = avd
+            avd?.start()
             return true
         }
         return super.onOptionsItemSelected(item)
@@ -416,14 +549,25 @@ class HomeActivity : AppCompatActivity() {
         autoRefresh(store)
     }
 
+    fun showConnectivityBanner(message: String) {
+        binding.connectivityBanner.text = message
+        binding.connectivityBanner.visibility = View.VISIBLE
+    }
+
+    fun hideConnectivityBanner() {
+        binding.connectivityBanner.visibility = View.GONE
+    }
+
     private fun autoRefresh(store: CredentialStore) {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
         if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) return
         binding.refreshIndicator.visibility = View.VISIBLE
+        hideConnectivityBanner()
 
         lifecycleScope.launch {
+            val refreshErrors = ConcurrentLinkedQueue<String>()
             // One async job per MIB login, all run in parallel
             val mibJobs = mibLoginIds.mapNotNull { loginId ->
                 val creds = store.loadMibCredentials(loginId) ?: return@mapNotNull null
@@ -437,41 +581,108 @@ class HomeActivity : AppCompatActivity() {
                         app.mibLoginFlows[loginId] = flow
                         store.saveMibProfiles(loginId, flow.lastProfiles)
                         accounts
-                    } catch (_: Exception) { AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" } }
+                    } catch (e: java.io.IOException) {
+                        refreshErrors.add("NO_INTERNET")
+                        AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" }
+                    } catch (e: BankServerException) {
+                        refreshErrors.add("SERVER:${e.bankName}")
+                        AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" }
+                    } catch (_: Exception) {
+                        AccountCache.load(this@HomeActivity).filter { it.loginTag == "mib_$loginId" }
+                    }
                 }
             }
 
             // One async job per BML login, all run in parallel
-            val bmlJobs = bmlLoginIds.mapNotNull { loginId ->
-                val creds = store.loadBmlCredentials(loginId) ?: return@mapNotNull null
+            val bmlJobs = bmlLoginIds.map { loginId ->
                 loginId to async(Dispatchers.IO) {
-                    val bmlFlow = BmlLoginFlow()
                     val loginTag = "bml_$loginId"
-                    val savedToken = store.loadBmlSession(loginId)
+                    val app = application as BasedBankApp
+                    val savedProfiles = store.loadBmlProfiles(loginId)
+                    val allAccounts = mutableListOf<BankAccount>()
+
+                    if (savedProfiles.isNotEmpty()) app.bmlProfilesMap[loginId] = savedProfiles
+
+                    val bmlClient = BmlAccountClient()
+                    for (profile in savedProfiles) {
+                        val saved = store.loadBmlProfileSession(profile.profileId)
+                        val refreshToken = store.loadBmlProfileRefreshToken(profile.profileId)
+                        if (saved == null) {
+                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                                .filter { it.profileId == profile.profileId }
+                            continue
+                        }
+                        val expiresAt = store.loadBmlProfileExpiresAt(profile.profileId)
+                        val tokenKnownExpired = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
+
+                        suspend fun fetchWithSession(session: BmlSession) {
+                            bmlClient.checkProfile(session)
+                            val accounts = bmlClient.fetchAccounts(session, loginTag, profile.name, profile.profileId)
+                            app.bmlSessions[profile.profileId] = session
+                            allAccounts += accounts
+                        }
+
+                        suspend fun tryRefresh() {
+                            if (refreshToken == null) throw Exception("No refresh token")
+                            val oldSession = BmlSession(saved.first, saved.second, refreshToken)
+                            val newSession = app.bmlFlowFor(loginId).refreshSession(oldSession)
+                            store.saveBmlProfileSession(profile.profileId, newSession.accessToken, newSession.deviceId)
+                            if (newSession.refreshToken.isNotBlank())
+                                store.saveBmlProfileRefreshToken(profile.profileId, newSession.refreshToken)
+                            if (newSession.expiresAt > 0)
+                                store.saveBmlProfileExpiresAt(profile.profileId, newSession.expiresAt)
+                            fetchWithSession(newSession)
+                        }
 
-                    if (savedToken != null) {
                         try {
-                            val session = BmlSession(savedToken.first, savedToken.second)
-                            val accounts = bmlFlow.fetchAccounts(session, loginTag)
-                            val app = application as BasedBankApp
-                            app.bmlSessions[loginId] = session
-                            AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                            return@async Pair(session, accounts)
-                        } catch (_: AuthExpiredException) {
+                            if (tokenKnownExpired) {
+                                tryRefresh()
+                            } else {
+                                try {
+                                    fetchWithSession(BmlSession(saved.first, saved.second))
+                                } catch (_: AuthExpiredException) {
+                                    tryRefresh()
+                                }
+                            }
+                        } catch (e: java.io.IOException) {
+                            refreshErrors.add("NO_INTERNET")
+                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                                .filter { it.profileId == profile.profileId }
+                        } catch (e: BankServerException) {
+                            refreshErrors.add("SERVER:${e.bankName}")
+                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                                .filter { it.profileId == profile.profileId }
                         } catch (_: Exception) {
+                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                                .filter { it.profileId == profile.profileId }
                         }
                     }
 
-                    try {
-                        val (session, accounts) = bmlFlow.login(creds.username, creds.password, creds.otpSeed)
-                        store.saveBmlSession(loginId, session.accessToken, session.deviceId)
-                        val app = application as BasedBankApp
-                        app.bmlSessions[loginId] = session
-                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                        Pair(session, accounts)
-                    } catch (_: Exception) {
-                        Pair(null, AccountCache.loadBml(this@HomeActivity, loginId))
+                    // Legacy single-profile session (pre-multi-profile installs)
+                    if (savedProfiles.isEmpty()) {
+                        val legacyToken = store.loadBmlSession(loginId)
+                        if (legacyToken != null) {
+                            try {
+                                val session = BmlSession(legacyToken.first, legacyToken.second)
+                                val accounts = BmlAccountClient().fetchAccounts(session, loginTag)
+                                app.bmlSessions[loginId] = session
+                                allAccounts += accounts
+                            } catch (e: java.io.IOException) {
+                                refreshErrors.add("NO_INTERNET")
+                                allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                            } catch (e: BankServerException) {
+                                refreshErrors.add("SERVER:${e.bankName}")
+                                allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                            } catch (_: Exception) {
+                                allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                            }
+                        } else {
+                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
+                        }
                     }
+
+                    if (allAccounts.isNotEmpty()) AccountCache.saveBml(this@HomeActivity, loginId, allAccounts)
+                    allAccounts as List<BankAccount>
                 }
             }
 
@@ -487,10 +698,9 @@ class HomeActivity : AppCompatActivity() {
                     if (savedSession != null) {
                         try {
                             val session = FahipaySession(savedSession.first, savedSession.second)
-                            fahipayFlow.setSessionCookie(session.sessionCookie)
-                            val balance = fahipayFlow.fetchBalance(session)
-                            val profile = fahipayFlow.fetchProfile(session)
-                            val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
+                            val balance = FahipayAccountClient().fetchBalance(session)
+                            val profile = FahipayAccountClient().fetchProfile(session)
+                            val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
                             val app = application as BasedBankApp
                             app.fahipaySessions[loginId] = session
                             AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
@@ -507,13 +717,19 @@ class HomeActivity : AppCompatActivity() {
                         val cookieValue = fahipayFlow.getSessionCookieValue() ?: ""
                         val session = FahipaySession(authId, cookieValue)
                         store.saveFahipaySession(loginId, authId, cookieValue)
-                        val profile = fahipayFlow.fetchProfile(session)
-                        val balance = fahipayFlow.fetchBalance(session)
-                        val accounts = listOf(fahipayFlow.buildAccount(profile, balance, loginTag))
+                        val profile = FahipayAccountClient().fetchProfile(session)
+                        val balance = FahipayAccountClient().fetchBalance(session)
+                        val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
                         val app = application as BasedBankApp
                         app.fahipaySessions[loginId] = session
                         AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
                         accounts
+                    } catch (e: java.io.IOException) {
+                        refreshErrors.add("NO_INTERNET")
+                        AccountCache.loadFahipay(this@HomeActivity, loginId)
+                    } catch (e: BankServerException) {
+                        refreshErrors.add("SERVER:${e.bankName}")
+                        AccountCache.loadFahipay(this@HomeActivity, loginId)
                     } catch (_: Exception) {
                         AccountCache.loadFahipay(this@HomeActivity, loginId)
                     }
@@ -522,8 +738,7 @@ class HomeActivity : AppCompatActivity() {
 
             val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
             val mibAccounts = mibResults.flatMap { it.second }
-            val bmlResults = bmlJobs.map { (_, job) -> job.await() }
-            val bmlAccounts = bmlResults.flatMap { it.second }
+            val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
             val fahipayAccounts = fahipayJobs.flatMap { (_, job) -> job.await() }
 
             val app = application as BasedBankApp
@@ -534,22 +749,52 @@ class HomeActivity : AppCompatActivity() {
             viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts).filterVisibleAccounts())
             binding.refreshIndicator.visibility = View.GONE
 
+            val noInternet = refreshErrors.any { it == "NO_INTERNET" }
+            val serverErrors = refreshErrors.filter { it.startsWith("SERVER:") }
+                .map { it.removePrefix("SERVER:") }.distinct()
+            when {
+                noInternet -> showConnectivityBanner(getString(R.string.connectivity_no_internet))
+                serverErrors.isNotEmpty() -> showConnectivityBanner(
+                    getString(R.string.connectivity_server_error, serverErrors.joinToString(", "))
+                )
+                else -> hideConnectivityBanner()
+            }
+
+            val errors = mutableSetOf<String>()
+            if (noInternet) errors.add("NO_INTERNET")
+            serverErrors.forEach { errors.add(it.uppercase()) }
+            viewModel.connectivityErrors.postValue(errors)
+
             for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
             for ((loginId, session) in app.mibSessions) {
                 val profiles = app.mibProfilesMap[loginId] ?: emptyList()
                 refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
             }
+            refreshBmlLoanDetails()
+            for ((loginId, session) in app.mibSessions) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                refreshMibCards(loginId, session, profiles)
+            }
         }
     }
 
-    /** Filters MIB accounts whose profileId the user has hidden in settings. */
-    private fun List<MibAccount>.filterVisibleAccounts(): List<MibAccount> {
+    /** Filters accounts whose profileId the user has hidden in settings. */
+    private fun List<BankAccount>.filterVisibleAccounts(): List<BankAccount> {
         val store = CredentialStore(this@HomeActivity)
         return filter { acc ->
-            if (acc.bank != "MIB") return@filter true
-            val loginId = acc.loginTag.removePrefix("mib_")
-            val hidden = store.getHiddenMibProfileIds(loginId)
-            hidden.isEmpty() || acc.profileId !in hidden
+            when (acc.bank) {
+                "MIB" -> {
+                    val loginId = acc.loginTag.removePrefix("mib_")
+                    val hidden = store.getHiddenMibProfileIds(loginId)
+                    hidden.isEmpty() || acc.profileId !in hidden
+                }
+                "BML" -> {
+                    val loginId = acc.loginTag.removePrefix("bml_")
+                    val hidden = store.getHiddenBmlProfileIds(loginId)
+                    hidden.isEmpty() || acc.profileId !in hidden
+                }
+                else -> true
+            }
         }
     }
 
@@ -567,11 +812,10 @@ class HomeActivity : AppCompatActivity() {
     }
 
     private fun refreshBmlLimits(session: BmlSession) {
-        val bmlFlow = BmlLoginFlow()
         lifecycleScope.launch {
             try {
                 val (userName, limits) = withContext(Dispatchers.IO) {
-                    Pair(bmlFlow.fetchUserInfo(session)?.fullName ?: "", bmlFlow.fetchForeignLimits(session))
+                    Pair(BmlAccountClient().fetchUserInfo(session)?.fullName ?: "", BmlForeignLimitsClient().fetchForeignLimits(session))
                 }
                 val existing = viewModel.bmlLimits.value?.toMutableList() ?: mutableListOf()
                 val idx = existing.indexOfFirst { it.userName == userName }
@@ -585,11 +829,13 @@ class HomeActivity : AppCompatActivity() {
 
     private fun refreshBmlContacts(app: BasedBankApp) {
         if (app.bmlSessions.isEmpty()) return
+        val store = CredentialStore(this)
         lifecycleScope.launch {
             try {
                 val allBmlContacts = withContext(Dispatchers.IO) {
-                    app.bmlSessions.flatMap { (loginId, session) ->
-                        val contacts = BmlLoginFlow().fetchContacts(session, loginId)
+                    store.getBmlLoginIds().flatMap { loginId ->
+                        val session = app.anyBmlSessionFor(loginId) ?: return@flatMap emptyList()
+                        val contacts = BmlContactsClient().fetchContacts(session, loginId)
                         if (contacts.isNotEmpty()) ContactsCache.saveBml(this@HomeActivity, loginId, contacts)
                         contacts
                     }
@@ -632,13 +878,11 @@ class HomeActivity : AppCompatActivity() {
         lifecycleScope.launch {
             try {
                 val groups = withContext(Dispatchers.IO) {
-                    val flow = FahipayLoginFlow()
-                    flow.setSessionCookie(session.sessionCookie)
-                    flow.fetchContacts(session)
+                    FahipayContactsClient().fetchContacts(session)
                 }
                 if (groups.isEmpty()) return@launch
                 val contacts = groups.flatMap { it.contacts }
-                val categories = groups.map { MibBeneficiaryCategory(it.categoryId, it.label, it.contacts.size) }
+                val categories = groups.map { BankContactCategory(it.categoryId, it.label, it.contacts.size) }
                 ContactsCache.saveFahipay(this@HomeActivity, contacts, categories)
                 val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
                 val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
@@ -651,11 +895,11 @@ class HomeActivity : AppCompatActivity() {
     }
 
     private fun mergeContacts(
-        mib: List<MibBeneficiary>,
-        bml: List<MibBeneficiary>
-    ): List<MibBeneficiary> {
+        mib: List<BankContact>,
+        bml: List<BankContact>
+    ): List<BankContact> {
         val seen = mutableSetOf<String>()
-        val result = mutableListOf<MibBeneficiary>()
+        val result = mutableListOf<BankContact>()
         for (c in mib) if (seen.add(c.benefNo)) result.add(c)
         for (c in bml) if (seen.add(c.benefNo)) result.add(c)
         return result
@@ -670,8 +914,8 @@ class HomeActivity : AppCompatActivity() {
                 val (allContacts, allCategories) = withContext(Dispatchers.IO) {
                     val seenContacts = mutableSetOf<String>()
                     val seenCategories = mutableSetOf<String>()
-                    val contacts = mutableListOf<MibBeneficiary>()
-                    val categories = mutableListOf<MibBeneficiaryCategory>()
+                    val contacts = mutableListOf<BankContact>()
+                    val categories = mutableListOf<BankContactCategory>()
                     for (profile in profiles) {
                         try {
                             flow.switchProfile(session, profile)
@@ -699,7 +943,7 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
-    fun refreshBalances(src: MibAccount) {
+    fun refreshBalances(src: BankAccount) {
         val app = application as BasedBankApp
         lifecycleScope.launch {
             val current = viewModel.accounts.value ?: emptyList()
@@ -707,12 +951,10 @@ class HomeActivity : AppCompatActivity() {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.fahipaySessionFor(src) ?: return@withContext null
                     try {
-                        val flow = FahipayLoginFlow()
-                        flow.setSessionCookie(sess.sessionCookie)
-                        val balance = flow.fetchBalance(sess)
-                        val profile = flow.fetchProfile(sess)
+                        val balance = FahipayAccountClient().fetchBalance(sess)
+                        val profile = FahipayAccountClient().fetchProfile(sess)
                         val loginTag = "fahipay_${profile.profileId}"
-                        val accounts = listOf(flow.buildAccount(profile, balance, loginTag))
+                        val accounts = listOf(FahipayAccountClient().buildAccount(profile, balance, loginTag))
                         val loginId = src.loginTag.removePrefix("fahipay_")
                         AccountCache.saveFahipay(this@HomeActivity, loginId, accounts)
                         app.fahipayAccounts = app.fahipayAccounts.filter { it.loginTag != src.loginTag } + accounts
@@ -726,7 +968,7 @@ class HomeActivity : AppCompatActivity() {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.bmlSessionFor(src) ?: return@withContext null
                     try {
-                        val accounts = BmlLoginFlow().fetchAccounts(sess, src.loginTag)
+                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag)
                         AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                         val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
                         app.bmlAccounts = otherBml + accounts
@@ -770,6 +1012,70 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
+    private fun refreshBmlLoanDetails() {
+        val app = application as BasedBankApp
+        val loanAccounts = app.bmlAccounts.filter { it.profileType == "BML_LOAN" }
+        if (loanAccounts.isEmpty()) return
+        lifecycleScope.launch {
+            try {
+                val details = withContext(Dispatchers.IO) {
+                    val map = mutableMapOf<String, BmlLoanDetail>()
+                    for (acc in loanAccounts) {
+                        val session = app.bmlSessionFor(acc) ?: continue
+                        try {
+                            val detail = BmlAccountClient().fetchLoanDetail(session, acc.internalId)
+                            if (detail != null) map[acc.internalId] = detail
+                        } catch (_: Exception) { /* keep existing */ }
+                    }
+                    map
+                }
+                if (details.isNotEmpty()) {
+                    val merged = (viewModel.bmlLoanDetails.value ?: emptyMap()) + details
+                    FinancingCache.saveBmlLoans(this@HomeActivity, merged)
+                    viewModel.bmlLoanDetails.postValue(merged)
+                }
+            } catch (_: Exception) { /* keep cached data */ }
+        }
+    }
+
+    fun triggerRefreshCards() {
+        val app = application as BasedBankApp
+        for ((loginId, session) in app.mibSessions) {
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshMibCards(loginId, session, profiles)
+        }
+    }
+
+    private fun refreshMibCards(loginId: String, session: MibSession, profiles: List<MibProfile>) {
+        if (profiles.isEmpty()) return
+        val flow = (application as BasedBankApp).mibFlowFor(loginId)
+        val client = MibCardsClient()
+        lifecycleScope.launch {
+            try {
+                val cards = withContext(Dispatchers.IO) {
+                    val result = mutableListOf<sh.sar.basedbank.api.mib.MibCard>()
+                    val seen = mutableSetOf<String>()
+                    for (profile in profiles) {
+                        try {
+                            flow.switchProfile(session, profile)
+                            for (card in client.fetchCards(session, "mib_$loginId")) {
+                                if (seen.add(card.cardId)) result += card
+                            }
+                        } catch (_: Exception) { }
+                    }
+                    result
+                }
+                if (cards.isNotEmpty()) {
+                    val existing = viewModel.mibCards.value?.toMutableList() ?: mutableListOf()
+                    existing.removeAll { it.loginTag == "mib_$loginId" }
+                    existing += cards
+                    viewModel.mibCards.postValue(existing)
+                    CardsCache.save(this@HomeActivity, existing)
+                }
+            } catch (_: Exception) { }
+        }
+    }
+
     private fun refreshFinancing(loginId: String, session: MibSession, profiles: List<MibProfile>) {
         if (profiles.isEmpty()) return
         val flow = (application as BasedBankApp).mibFlowFor(loginId)

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

@@ -3,17 +3,37 @@ package sh.sar.basedbank.ui.home
 import androidx.lifecycle.MutableLiveData
 import androidx.lifecycle.ViewModel
 import sh.sar.basedbank.api.bml.BmlForeignLimit
-import sh.sar.basedbank.api.mib.MibAccount
-import sh.sar.basedbank.api.mib.MibBeneficiary
-import sh.sar.basedbank.api.mib.MibBeneficiaryCategory
+import sh.sar.basedbank.api.bml.BmlLoanDetail
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.models.BankContactCategory
+import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 
+sealed class CardItem {
+    data class Mib(val card: MibCard) : CardItem()
+    data class Bml(val account: BankAccount) : CardItem()
+}
+
 class HomeViewModel : ViewModel() {
-    val accounts = MutableLiveData<List<MibAccount>>(emptyList())
+    val accounts = MutableLiveData<List<BankAccount>>(emptyList())
     val financing = MutableLiveData<List<MibFinanceDeal>>(emptyList())
-    val contacts = MutableLiveData<List<MibBeneficiary>>(emptyList())
-    val contactCategories = MutableLiveData<List<MibBeneficiaryCategory>>(emptyList())
+    /** BML loan details keyed by account internalId. */
+    val bmlLoanDetails = MutableLiveData<Map<String, BmlLoanDetail>>(emptyMap())
+    val contacts = MutableLiveData<List<BankContact>>(emptyList())
+    val contactCategories = MutableLiveData<List<BankContactCategory>>(emptyList())
 
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
+
+    val mibCards = MutableLiveData<List<MibCard>?>(null)
+
+    val hideAmounts = MutableLiveData<Boolean>(false)
+
+    /**
+     * Set of connectivity error keys from the last refresh.
+     * Contains "NO_INTERNET" for no network, or uppercase bank names ("MIB", "BML", "FAHIPAY")
+     * for HTTP 5xx server errors from specific banks.
+     */
+    val connectivityErrors = MutableLiveData<Set<String>>(emptySet())
 }

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

@@ -25,6 +25,7 @@ class MoreFragment : Fragment() {
             val row = inflater.inflate(R.layout.item_more_nav, list, false)
             row.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.iconRes)
             row.findViewById<TextView>(R.id.tvLabel).setText(item.titleRes)
+            row.findViewById<TextView>(R.id.tvDescription).setText(item.descriptionRes)
             row.setOnClickListener { (requireActivity() as HomeActivity).navigateTo(item.id) }
             list.addView(row)
         }

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

@@ -9,47 +9,56 @@ object NavCustomization {
 
     data class NavItemDef(
         val id: Int,
+        val key: String,
         @DrawableRes val iconRes: Int,
-        @StringRes val titleRes: Int
+        @StringRes val titleRes: Int,
+        @StringRes val descriptionRes: Int
     )
 
     /** All items that can occupy either a bottom nav slot or the "More" screen. */
     val ALL_SWAPPABLE = listOf(
-        NavItemDef(R.id.nav_accounts,         R.drawable.ic_nav_accounts,         R.string.nav_accounts),
-        NavItemDef(R.id.nav_contacts,         R.drawable.ic_contacts,             R.string.nav_contacts),
-        NavItemDef(R.id.nav_transfer,         R.drawable.ic_send,                 R.string.transfer),
-        NavItemDef(R.id.nav_pay_mv_qr,        R.drawable.ic_qr_scan,              R.string.pay_mv_qr),
-        NavItemDef(R.id.nav_activities,       R.drawable.ic_nav_activities,       R.string.nav_activities),
-        NavItemDef(R.id.nav_transfer_history, R.drawable.ic_nav_transfer_history, R.string.nav_transfer_history),
-        NavItemDef(R.id.nav_finances,         R.drawable.ic_nav_finances,         R.string.nav_finances),
-        NavItemDef(R.id.nav_card_settings,    R.drawable.ic_nav_card,             R.string.nav_card_settings),
-        NavItemDef(R.id.nav_otp,              R.drawable.ic_nav_otp,              R.string.nav_otp),
-        NavItemDef(R.id.nav_settings,         R.drawable.ic_nav_settings,         R.string.nav_settings),
+        NavItemDef(R.id.nav_accounts,         "nav_accounts",         R.drawable.ic_nav_accounts,         R.string.nav_accounts,         R.string.nav_desc_accounts),
+        NavItemDef(R.id.nav_contacts,         "nav_contacts",         R.drawable.ic_contacts,             R.string.nav_contacts,         R.string.nav_desc_contacts),
+        NavItemDef(R.id.nav_transfer,         "nav_transfer",         R.drawable.ic_send,                 R.string.transfer,             R.string.nav_desc_transfer),
+        NavItemDef(R.id.nav_pay_mv_qr,        "nav_pay_mv_qr",        R.drawable.ic_qr_scan,              R.string.pay_mv_qr,            R.string.nav_desc_pay_mv_qr),
+        NavItemDef(R.id.nav_activities,       "nav_activities",       R.drawable.ic_nav_activities,       R.string.nav_activities,       R.string.nav_desc_activities),
+        NavItemDef(R.id.nav_transfer_history, "nav_transfer_history", R.drawable.ic_nav_transfer_history, R.string.nav_transfer_history, R.string.nav_desc_transfer_history),
+        NavItemDef(R.id.nav_finances,         "nav_finances",         R.drawable.ic_nav_finances,         R.string.nav_finances,         R.string.nav_desc_finances),
+        NavItemDef(R.id.nav_pay_with_card,    "nav_pay_with_card",    R.drawable.ic_nav_card,             R.string.nav_pay_with_card,    R.string.nav_desc_pay_with_card),
+        NavItemDef(R.id.nav_card_settings,    "nav_card_settings",    R.drawable.ic_nav_card,             R.string.nav_card_settings,    R.string.nav_desc_card_settings),
+        NavItemDef(R.id.nav_otp,              "nav_otp",              R.drawable.ic_nav_otp,              R.string.nav_otp,              R.string.nav_desc_otp),
+        NavItemDef(R.id.nav_settings,         "nav_settings",         R.drawable.ic_nav_settings,         R.string.nav_settings,         R.string.nav_desc_settings),
     )
 
+    private fun keyToId(key: String?, default: Int) =
+        ALL_SWAPPABLE.find { it.key == key }?.id ?: default
+
+    private fun idToKey(id: Int) =
+        ALL_SWAPPABLE.find { it.id == id }?.key
+
     fun getSlots(prefs: SharedPreferences): List<Int> = listOf(
-        prefs.getInt("bottom_nav_slot_1", R.id.nav_accounts),
-        prefs.getInt("bottom_nav_slot_2", R.id.nav_contacts),
-        prefs.getInt("bottom_nav_slot_3", R.id.nav_transfer),
+        keyToId(prefs.getString("bottom_nav_slot_1_key", null), R.id.nav_accounts),
+        keyToId(prefs.getString("bottom_nav_slot_2_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("bottom_nav_slot_3_key", null), R.id.nav_transfer),
     )
 
     fun saveSlots(prefs: SharedPreferences, slots: List<Int>) {
         prefs.edit()
-            .putInt("bottom_nav_slot_1", slots[0])
-            .putInt("bottom_nav_slot_2", slots[1])
-            .putInt("bottom_nav_slot_3", slots[2])
+            .putString("bottom_nav_slot_1_key", idToKey(slots[0]) ?: "nav_accounts")
+            .putString("bottom_nav_slot_2_key", idToKey(slots[1]) ?: "nav_contacts")
+            .putString("bottom_nav_slot_3_key", idToKey(slots[2]) ?: "nav_transfer")
             .apply()
     }
 
     fun getQuickActions(prefs: SharedPreferences): List<Int> = listOf(
-        prefs.getInt("quick_action_1", R.id.nav_transfer),
-        prefs.getInt("quick_action_2", R.id.nav_pay_mv_qr),
+        keyToId(prefs.getString("quick_action_1_key", null), R.id.nav_transfer),
+        keyToId(prefs.getString("quick_action_2_key", null), R.id.nav_pay_mv_qr),
     )
 
     fun saveQuickActions(prefs: SharedPreferences, ids: List<Int>) {
         prefs.edit()
-            .putInt("quick_action_1", ids[0])
-            .putInt("quick_action_2", ids[1])
+            .putString("quick_action_1_key", idToKey(ids[0]) ?: "nav_transfer")
+            .putString("quick_action_2_key", idToKey(ids[1]) ?: "nav_pay_mv_qr")
             .apply()
     }
 

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

@@ -14,7 +14,8 @@ import kotlinx.coroutines.isActive
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
-import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.mib.MibProfileClient
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.databinding.FragmentOtpBinding
 import sh.sar.basedbank.databinding.ItemOtpCardBinding
@@ -94,7 +95,7 @@ class OtpFragment : Fragment() {
                     val session = app.mibSessions[loginId] ?: continue
                     val flow = app.mibFlowFor(loginId)
                     val profile = withContext(Dispatchers.IO) {
-                        try { flow.fetchPersonalProfile(session) } catch (_: Exception) { null }
+                        try { MibProfileClient().fetchPersonalProfile(session) } catch (_: Exception) { null }
                     }
                     if (profile != null) {
                         store.saveMibUserProfile(loginId, CredentialStore.MibUserProfile(
@@ -114,7 +115,7 @@ class OtpFragment : Fragment() {
                 if (store.loadBmlUserProfile(loginId)?.fullName.isNullOrBlank()) {
                     val session = app.bmlSessions[loginId] ?: continue
                     val info = withContext(Dispatchers.IO) {
-                        try { BmlLoginFlow().fetchUserInfo(session) } catch (_: Exception) { null }
+                        try { BmlAccountClient().fetchUserInfo(session) } catch (_: Exception) { null }
                     }
                     if (info != null) {
                         store.saveBmlUserProfile(loginId, CredentialStore.BmlUserProfile(

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

@@ -0,0 +1,531 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.ContentValues
+import android.content.Context
+import android.graphics.*
+import android.os.Build
+import android.os.Bundle
+import android.os.Environment
+import android.provider.MediaStore
+import android.app.Activity
+import android.content.Intent
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.*
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.appcompat.content.res.AppCompatResources
+import androidx.core.content.FileProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.view.updatePadding
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import com.google.zxing.BarcodeFormat
+import com.google.zxing.EncodeHintType
+import com.google.zxing.qrcode.QRCodeWriter
+import com.google.zxing.qrcode.decoder.ErrorCorrectionLevel
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.Job
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentPayMvQrBinding
+import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.util.AccountListParser
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.bmlapi.BmlDashboardParser
+import java.io.File
+import java.io.FileOutputStream
+
+class PayMvQrFragment : Fragment() {
+
+    private var _binding: FragmentPayMvQrBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private var selectedAccount: BankAccount? = null
+    private var generatedBitmap: Bitmap? = null
+    private var generateJob: Job? = null
+    private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
+
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+
+        // BML card/gateway QR — hand off to dedicated payment screen
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw))
+            return@registerForActivityResult
+        }
+
+        val qr = PaymvQrParser.parse(raw)
+        if (qr == null || qr.accountNumber == null) {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            return@registerForActivityResult
+        }
+        val activity = requireActivity() as HomeActivity
+        activity.navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromQr(
+            accountNumber = qr.accountNumber,
+            displayName   = qr.merchantName ?: qr.accountNumber,
+            amount        = qr.amount,
+            remarks       = qr.purpose
+        ))
+    }
+
+    override fun onCreateView(
+        inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?
+    ): View {
+        _binding = FragmentPayMvQrBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val basePaddingBottom = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { 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.updatePadding(bottom = basePaddingBottom + navBarBottom)
+            insets
+        }
+        setupDropdown()
+        binding.etAmount.addTextChangedListener { scheduleGenerate() }
+        binding.btnShare.isEnabled = false
+        binding.btnSave.isEnabled = false
+        binding.btnShare.setOnClickListener { shareQr() }
+        binding.btnSave.setOnClickListener { saveQr() }
+        binding.btnScanQr.setOnClickListener {
+            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
+    }
+
+    private fun setupDropdown() {
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            val eligible = accounts.filter {
+                it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN"
+            }
+            val adapter = QrAccountAdapter(requireContext(), eligible)
+            binding.actvAccount.setAdapter(adapter)
+            binding.actvAccount.setOnItemClickListener { _, _, position, _ ->
+                val picked = adapter.getAccount(position) ?: return@setOnItemClickListener
+                selectedAccount = picked
+                scheduleGenerate()
+            }
+        }
+    }
+
+    private fun scheduleGenerate() {
+        generateJob?.cancel()
+        generateJob = viewLifecycleOwner.lifecycleScope.launch {
+            delay(300)
+            generateQr()
+        }
+    }
+
+    private suspend fun generateQr() {
+        val account = selectedAccount ?: return
+        val acquirer = when (account.bank) {
+            "BML"     -> "MALBMVMV"
+            "MIB"     -> "MADVMVMV"
+            "FAHIPAY" -> "FAHIMVMV"
+            else      -> "MADVMVMV"
+        }
+        val amountFormatted = binding.etAmount.text?.toString()?.trim()
+            ?.replace(",", "")
+            ?.toDoubleOrNull()
+            ?.takeIf { it > 0 }
+            ?.let { "%.2f".format(it) }
+
+        val ctx = requireContext()
+        val bmp = withContext(Dispatchers.Default) {
+            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted)
+            renderQrCard(ctx, account, payload, amountFormatted)
+        }
+        if (_binding == null) return
+        generatedBitmap = bmp
+        binding.tvQrPlaceholder.visibility = View.GONE
+        binding.ivQrCard.setImageBitmap(bmp)
+        binding.ivQrCard.visibility = View.VISIBLE
+        binding.btnShare.isEnabled = true
+        binding.btnSave.isEnabled = true
+    }
+
+    // ── EMV MPQR payload ──────────────────────────────────────────────────────
+
+    private fun buildQrPayload(
+        accountNumber: String,
+        accountName: String,
+        acquirer: String,
+        amountStr: String?
+    ): String {
+        fun tlv(tag: String, value: String): String {
+            val len = value.length
+            return tag + (if (len < 10) "0$len" else "$len") + value
+        }
+        val format       = tlv("00", "01")
+        val poi          = tlv("01", "11")
+        val sub00        = tlv("00", "mv.favara.mpqr")
+        val sub01        = tlv("01", acquirer)
+        val sub03        = tlv("03", accountNumber)
+        val sub10        = tlv("10", "IPAY")
+        val merchantAcct = tlv("26", sub00 + sub01 + sub03 + sub10)
+        val currency     = tlv("53", "462")
+        val amountTLV    = if (!amountStr.isNullOrBlank()) tlv("54", amountStr) else ""
+        val country      = tlv("58", "MV")
+        val name         = tlv("59", accountName.take(25))
+        val prefix       = format + poi + merchantAcct + currency + amountTLV + country + name + "6304"
+        return prefix + crc16(prefix)
+    }
+
+    private fun crc16(data: String): String {
+        var crc = 0xFFFF
+        for (c in data) {
+            crc = crc xor ((c.code and 0xFF) shl 8)
+            repeat(8) {
+                crc = if (crc and 0x8000 != 0) ((crc shl 1) and 0xFFFF) xor 0x1021
+                      else (crc shl 1) and 0xFFFF
+            }
+        }
+        return crc.toString(16).uppercase().padStart(4, '0')
+    }
+
+    // ── QR card rendering ────────────────────────────────────────────────────
+
+    private fun renderQrCard(
+        ctx: Context,
+        account: BankAccount,
+        qrPayload: String,
+        amountStr: String?
+    ): Bitmap {
+        val W = 900
+        val H = 1080
+        val outerCorner = 48f
+        val boxBlue    = Color.parseColor("#2272B7")
+        val footerBlue = Color.parseColor("#1A5799")
+        val boxL = 24f; val boxT = 110f; val boxR = 876f; val boxB = 962f
+
+        val bm = Bitmap.createBitmap(W, H, Bitmap.Config.ARGB_8888)
+        val canvas = Canvas(bm)
+        val paint = Paint(Paint.ANTI_ALIAS_FLAG)
+
+        // Clip to outer rounded card shape
+        val outerPath = Path()
+        outerPath.addRoundRect(RectF(0f, 0f, W.toFloat(), H.toFloat()), outerCorner, outerCorner, Path.Direction.CW)
+        canvas.clipPath(outerPath)
+        canvas.drawColor(Color.WHITE)
+
+        // --- Bank logo top-left ---
+        val logoRes = when (account.bank) {
+            "BML"     -> R.drawable.bml_logo_vector
+            "MIB"     -> R.drawable.mib_faisanet_logo
+            else      -> R.drawable.fahipay_logo_long
+        }
+        AppCompatResources.getDrawable(ctx, logoRes)?.let { d ->
+            val nW = d.intrinsicWidth.coerceAtLeast(1)
+            val nH = d.intrinsicHeight.coerceAtLeast(1)
+            val maxW = 180f; val maxH = 76f
+            val scale = minOf(maxW / nW, maxH / nH)
+            val lW = (nW * scale).toInt()
+            val lH = (nH * scale).toInt()
+            val lTop = ((boxT - lH) / 2).toInt().coerceAtLeast(10)
+            d.setBounds(24, lTop, 24 + lW, lTop + lH)
+            d.draw(canvas)
+        }
+
+        // --- "PayMV QR" top-right ---
+        paint.color = Color.parseColor("#1A1A2E")
+        paint.textSize = 36f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.RIGHT
+        canvas.drawText("PayMV QR", W - 28f, 66f, paint)
+
+        // --- Blue rounded box ---
+        paint.color = boxBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRoundRect(RectF(boxL, boxT, boxR, boxB), 36f, 36f, paint)
+
+        // Account name (white, bold, uppercase, auto-scaled to fit)
+        paint.color = Color.WHITE
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
+        val nameText = account.accountBriefName.uppercase()
+        paint.textSize = 36f
+        val maxNameW = boxR - boxL - 48f
+        if (paint.measureText(nameText) > maxNameW) {
+            paint.textSize = 36f * maxNameW / paint.measureText(nameText)
+        }
+        val nameBaseline = boxT + 68f
+        canvas.drawText(nameText, W / 2f, nameBaseline, paint)
+
+        // Optional amount below name
+        val qrTopY: Float
+        if (!amountStr.isNullOrBlank()) {
+            paint.textSize = 28f
+            paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.NORMAL)
+            val amtBaseline = nameBaseline + 42f
+            canvas.drawText("MVR $amountStr", W / 2f, amtBaseline, paint)
+            qrTopY = amtBaseline + 20f
+        } else {
+            qrTopY = nameBaseline + 26f
+        }
+
+        // QR code — white modules on the same blue as the box background
+        val availH = boxB - qrTopY - 24f
+        val qrPx = minOf(availH, boxR - boxL - 48f).toInt().coerceAtMost(700).coerceAtLeast(200)
+        val qrLeft = ((W - qrPx) / 2).toFloat()
+        try {
+            val hints = mapOf(
+                EncodeHintType.MARGIN to 0,
+                EncodeHintType.ERROR_CORRECTION to ErrorCorrectionLevel.M
+            )
+            val matrix = QRCodeWriter().encode(qrPayload, BarcodeFormat.QR_CODE, qrPx, qrPx, hints)
+            val pixels = IntArray(qrPx * qrPx)
+            for (y in 0 until qrPx) {
+                for (x in 0 until qrPx) {
+                    pixels[y * qrPx + x] = if (matrix[x, y]) Color.WHITE else boxBlue
+                }
+            }
+            val qrBm = Bitmap.createBitmap(pixels, qrPx, qrPx, Bitmap.Config.ARGB_8888)
+            canvas.drawBitmap(qrBm, qrLeft, qrTopY, null)
+            qrBm.recycle()
+        } catch (_: Exception) { /* skip if encoding fails */ }
+
+        // --- Dark blue footer ---
+        paint.color = footerBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRect(RectF(0f, 970f, W.toFloat(), H.toFloat()), paint)
+        paint.color = Color.WHITE
+        paint.textSize = 32f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
+        canvas.drawText("MALDIVES NATIONAL QR", W / 2f, 1038f, paint)
+
+        return bm
+    }
+
+    // ── Share / Save ─────────────────────────────────────────────────────────
+
+    private fun shareQr() {
+        val bmp = generatedBitmap ?: return
+        val account = selectedAccount ?: return
+        lifecycleScope.launch {
+            val uri = withContext(Dispatchers.IO) {
+                try {
+                    val dir = File(requireContext().cacheDir, "qr")
+                    dir.mkdirs()
+                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val file = File(dir, "${safeName}_paymv_qr.png")
+                    FileOutputStream(file).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
+                    FileProvider.getUriForFile(
+                        requireContext(),
+                        "${requireContext().packageName}.fileprovider",
+                        file
+                    )
+                } catch (_: Exception) { null }
+            }
+            if (uri == null || _binding == null) return@launch
+            val intent = android.content.Intent(android.content.Intent.ACTION_SEND).apply {
+                type = "image/png"
+                putExtra(android.content.Intent.EXTRA_STREAM, uri)
+                addFlags(android.content.Intent.FLAG_GRANT_READ_URI_PERMISSION)
+            }
+            startActivity(android.content.Intent.createChooser(intent, getString(R.string.paymvqr_share)))
+        }
+    }
+
+    private fun saveQr() {
+        val bmp = generatedBitmap ?: return
+        val account = selectedAccount ?: return
+        lifecycleScope.launch {
+            val saved = withContext(Dispatchers.IO) {
+                try {
+                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val filename = "${safeName}_PayMV_QR.png"
+                    if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.Q) {
+                        val values = ContentValues().apply {
+                            put(MediaStore.Images.Media.DISPLAY_NAME, filename)
+                            put(MediaStore.Images.Media.MIME_TYPE, "image/png")
+                            put(MediaStore.Images.Media.RELATIVE_PATH, Environment.DIRECTORY_PICTURES)
+                        }
+                        val uri = requireContext().contentResolver.insert(
+                            MediaStore.Images.Media.EXTERNAL_CONTENT_URI, values
+                        ) ?: return@withContext false
+                        requireContext().contentResolver.openOutputStream(uri)?.use {
+                            bmp.compress(Bitmap.CompressFormat.PNG, 100, it)
+                        }
+                    } else {
+                        @Suppress("DEPRECATION")
+                        val dir = Environment.getExternalStoragePublicDirectory(Environment.DIRECTORY_PICTURES)
+                        dir.mkdirs()
+                        FileOutputStream(File(dir, filename)).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
+                    }
+                    true
+                } catch (_: Exception) { false }
+            }
+            if (_binding == null) return@launch
+            Toast.makeText(
+                requireContext(),
+                if (saved) R.string.paymvqr_saved else R.string.paymvqr_save_failed,
+                Toast.LENGTH_SHORT
+            ).show()
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.pay_mv_qr)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    // ── Account dropdown adapter ──────────────────────────────────────────────
+
+    private inner class QrAccountAdapter(
+        private val context: Context,
+        private val accounts: List<BankAccount>
+    ) : BaseAdapter(), Filterable {
+
+        fun getAccount(position: Int): BankAccount? = accounts.getOrNull(position)
+
+        override fun getCount() = accounts.size
+        override fun getItem(position: Int) = accounts.getOrNull(position)
+        override fun getItemId(position: Int) = position.toLong()
+
+        override fun getView(position: Int, convertView: View?, parent: ViewGroup) =
+            getDropDownView(position, convertView, parent)
+
+        override fun getDropDownView(position: Int, convertView: View?, parent: ViewGroup): View {
+            val acc = accounts[position]
+            val b = if (convertView?.tag is ItemAccountDropdownBinding) {
+                convertView.tag as ItemAccountDropdownBinding
+            } else {
+                ItemAccountDropdownBinding.inflate(LayoutInflater.from(context), parent, false)
+                    .also { it.root.tag = it }
+            }
+            val ownerPrefix = if (acc.bank == "BML" && acc.profileName.isNotBlank()) "${acc.profileName} · " else ""
+            b.tvDropdownAccountName.text = "$ownerPrefix${acc.accountBriefName}"
+
+            val displayData = AccountListParser.from(acc)
+            val typeLabel = displayData?.typeLabel
+                ?: if (acc.bank == "BML") BmlDashboardParser.productLabel(acc.accountTypeName)
+                else acc.accountTypeName.trim()
+            b.tvDropdownAccountNumber.text = acc.accountNumber
+            if (typeLabel.isNotBlank()) {
+                b.tvDropdownAccountType.text = typeLabel
+                b.tvDropdownAccountType.visibility = View.VISIBLE
+            } else {
+                b.tvDropdownAccountType.visibility = View.GONE
+            }
+            b.tvDropdownBalance.text = displayData?.balance ?: ""
+            b.root.alpha = 1f
+
+            val networkIcon = BmlCardParser.cardNetworkIcon(acc)
+            when {
+                networkIcon != null -> {
+                    b.ivDropdownCardLogo.setImageResource(networkIcon)
+                    b.ivDropdownCardLogo.visibility = View.VISIBLE
+                }
+                acc.bank == "BML" -> {
+                    val localKey = sh.sar.basedbank.util.ProfileImageStore.bmlKey(acc.profileId)
+                    val cachedLocal = dropdownProfileImageCache[localKey]
+                    val imageView = b.ivDropdownCardLogo
+                    imageView.tag = localKey
+                    if (cachedLocal != null) {
+                        imageView.setImageBitmap(cachedLocal)
+                    } else {
+                        imageView.setImageResource(R.drawable.bml_logo_vector)
+                        if (acc.profileId.isNotBlank()) {
+                            viewLifecycleOwner.lifecycleScope.launch {
+                                val bitmap = withContext(Dispatchers.IO) {
+                                    sh.sar.basedbank.util.ProfileImageStore.load(requireContext(), localKey)
+                                }
+                                if (bitmap != null) {
+                                    dropdownProfileImageCache[localKey] = bitmap
+                                    if (imageView.tag == localKey) imageView.setImageBitmap(bitmap)
+                                }
+                            }
+                        }
+                    }
+                    imageView.visibility = View.VISIBLE
+                }
+                acc.bank == "FAHIPAY" -> {
+                    val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(acc.loginTag)
+                    val localKey = sh.sar.basedbank.util.ProfileImageStore.fahipayKey(loginId)
+                    val cachedLocal = dropdownProfileImageCache[localKey]
+                    val imageView = b.ivDropdownCardLogo
+                    imageView.tag = localKey
+                    if (cachedLocal != null) {
+                        imageView.setImageBitmap(cachedLocal)
+                    } else {
+                        imageView.setImageResource(R.drawable.fahipay_logo)
+                        if (loginId.isNotBlank()) {
+                            viewLifecycleOwner.lifecycleScope.launch {
+                                val bitmap = withContext(Dispatchers.IO) {
+                                    sh.sar.basedbank.util.ProfileImageStore.load(requireContext(), localKey)
+                                }
+                                if (bitmap != null) {
+                                    dropdownProfileImageCache[localKey] = bitmap
+                                    if (imageView.tag == localKey) imageView.setImageBitmap(bitmap)
+                                }
+                            }
+                        }
+                    }
+                    imageView.visibility = View.VISIBLE
+                }
+                acc.bank == "MIB" -> {
+                    val hash = acc.profileImageHash
+                    val cached = hash?.let { dropdownProfileImageCache[it] }
+                    val imageView = b.ivDropdownCardLogo
+                    imageView.tag = hash
+                    if (cached != null) {
+                        imageView.setImageBitmap(cached)
+                    } else {
+                        imageView.setImageResource(R.drawable.mib_logo)
+                        if (hash != null) {
+                            val app = requireActivity().application as BasedBankApp
+                            viewLifecycleOwner.lifecycleScope.launch {
+                                val bitmap = withContext(Dispatchers.IO) {
+                                    try {
+                                        val sess = app.anyMibSession() ?: return@withContext null
+                                        val b64 = app.anyMibFlow()?.fetchProfileImage(sess, hash) ?: return@withContext null
+                                        val bytes = android.util.Base64.decode(b64, android.util.Base64.DEFAULT)
+                                        BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+                                    } catch (_: Exception) { null }
+                                }
+                                if (bitmap != null) {
+                                    dropdownProfileImageCache[hash] = bitmap
+                                    if (imageView.tag == hash) imageView.setImageBitmap(bitmap)
+                                }
+                            }
+                        }
+                    }
+                    imageView.visibility = View.VISIBLE
+                }
+                else -> b.ivDropdownCardLogo.visibility = View.GONE
+            }
+            return b.root
+        }
+
+        override fun getFilter() = object : Filter() {
+            override fun performFiltering(c: CharSequence?) =
+                FilterResults().apply { values = accounts; count = accounts.size }
+            override fun publishResults(c: CharSequence?, r: FilterResults?) = notifyDataSetChanged()
+            override fun convertResultToString(r: Any?) =
+                (r as? BankAccount)?.let {
+                    val prefix = if (it.bank == "BML" && it.profileName.isNotBlank()) "${it.profileName} · " else ""
+                    "$prefix${it.accountBriefName}"
+                } ?: ""
+        }
+    }
+}

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

@@ -0,0 +1,214 @@
+package sh.sar.basedbank.ui.home
+
+import android.app.Activity
+import android.content.Context
+import android.content.Intent
+import android.graphics.BitmapFactory
+import android.graphics.drawable.GradientDrawable
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.TextView
+import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.recyclerview.widget.LinearLayoutManager
+import androidx.recyclerview.widget.RecyclerView
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.mib.MibCard
+import sh.sar.basedbank.databinding.FragmentPayWithCardBinding
+import sh.sar.basedbank.util.CardsCache
+import sh.sar.basedbank.util.bmlapi.BmlCardParser
+
+class PayWithCardFragment : Fragment() {
+
+    private var _binding: FragmentPayWithCardBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private var pendingQrAccountNumber: String? = null
+
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") ||
+            raw.startsWith("https://pay.bml.com.mv/app/")) {
+            (requireActivity() as HomeActivity).navigateTo(
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(raw, pendingQrAccountNumber)
+            )
+        } else {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+        }
+        pendingQrAccountNumber = null
+    }
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentPayWithCardBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val adapter = CardWalletAdapter(emptyList(), requireContext())
+        binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
+        binding.recyclerView.adapter = adapter
+
+        val bottomPaddingBase = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.recyclerView) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            val extraBottom = if (isBottomNav) 0 else navBar.bottom
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, bottomPaddingBase + extraBottom)
+            insets
+        }
+
+        binding.swipeRefresh.setOnRefreshListener {
+            (activity as? HomeActivity)?.triggerRefresh()
+        }
+
+        val updateCardList = {
+            val mibItems = (viewModel.mibCards.value ?: emptyList()).map { CardItem.Mib(it) }
+            val bmlItems = (viewModel.accounts.value ?: emptyList())
+                .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) }
+                .map { CardItem.Bml(it) }
+            val all = mibItems + bmlItems
+            adapter.update(all)
+            binding.loadingView.visibility = View.GONE
+            binding.swipeRefresh.isRefreshing = false
+            binding.emptyView.visibility = if (all.isEmpty()) View.VISIBLE else View.GONE
+            binding.recyclerView.visibility = if (all.isEmpty()) View.GONE else View.VISIBLE
+        }
+        viewModel.mibCards.observe(viewLifecycleOwner) { updateCardList() }
+        viewModel.accounts.observe(viewLifecycleOwner) { updateCardList() }
+
+        val cached = CardsCache.load(requireContext())
+        if (cached.isNotEmpty()) {
+            viewModel.mibCards.value = cached
+        } else {
+            binding.loadingView.visibility = View.VISIBLE
+        }
+        (activity as? HomeActivity)?.triggerRefreshCards()
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_pay_with_card)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    private inner class CardWalletAdapter(
+        private var cards: List<CardItem>,
+        private val context: Context
+    ) : RecyclerView.Adapter<CardWalletAdapter.VH>() {
+
+        fun update(newCards: List<CardItem>) {
+            cards = newCards
+            notifyDataSetChanged()
+        }
+
+        override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): VH =
+            VH(LayoutInflater.from(context).inflate(R.layout.item_card_wallet, parent, false))
+
+        override fun onBindViewHolder(holder: VH, position: Int) = holder.bind(cards[position])
+        override fun getItemCount() = cards.size
+
+        inner class VH(view: View) : RecyclerView.ViewHolder(view) {
+            private val ivCardImage: ImageView = view.findViewById(R.id.ivCardImage)
+            private val tvCardOwner: TextView = view.findViewById(R.id.tvCardOwner)
+            private val tvCardNumber: TextView = view.findViewById(R.id.tvCardNumber)
+            private val tvCardType: TextView = view.findViewById(R.id.tvCardType)
+            private val tvCardStatus: TextView = view.findViewById(R.id.tvCardStatus)
+            private val btnPayQr: View = view.findViewById(R.id.btnPayQr)
+            private val btnPayNfc: View = view.findViewById(R.id.btnPayNfc)
+
+            fun bind(item: CardItem) {
+                when (item) {
+                    is CardItem.Mib -> {
+                        tvCardOwner.text = item.card.cardHolderName
+                        tvCardNumber.text = formatMasked(item.card.maskedCardNumber)
+                        tvCardType.text = item.card.cardTypeDesc
+                        val assetPath = cardImageAsset(item.card)
+                        if (assetPath != null) loadCardImage(ivCardImage, assetPath)
+                        else ivCardImage.setImageDrawable(null)
+                        bindCardStatus(tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
+                    }
+                    is CardItem.Bml -> {
+                        tvCardOwner.text = item.account.accountBriefName
+                        tvCardNumber.text = formatMasked(item.account.accountNumber)
+                        tvCardType.text = item.account.accountTypeName
+                        loadCardImage(ivCardImage, BmlCardParser.cardImageAsset(item.account))
+                        val bmlStatus = item.account.statusDesc.takeUnless { it.equals("Active", ignoreCase = true) }
+                        bindCardStatus(tvCardStatus, bmlStatus)
+                    }
+                }
+                val isMib = item is CardItem.Mib
+                btnPayQr.setOnClickListener {
+                    if (isMib) {
+                        Toast.makeText(context, R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
+                    } else {
+                        pendingQrAccountNumber = (item as CardItem.Bml).account.accountNumber
+                        qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+                    }
+                }
+                val nfcAdapter = android.nfc.NfcAdapter.getDefaultAdapter(context)
+                val nfcSupported = nfcAdapter != null
+                btnPayNfc.isEnabled = nfcSupported
+                btnPayNfc.setOnClickListener {
+                    val msg = if (isMib) R.string.mib_qr_nfc_not_supported else R.string.work_in_progress
+                    Toast.makeText(context, msg, Toast.LENGTH_SHORT).show()
+                }
+            }
+        }
+    }
+
+    companion object {
+        fun cardImageAsset(card: MibCard): String? = when (card.cardType) {
+            "53" -> "cards/mib/visa_black_platinum.png"
+            "57" -> "cards/mib/visa_blue_everyday.png"
+            "70" -> "cards/mib/visa_business.png"
+            else -> null
+        }
+
+        fun loadCardImage(imageView: ImageView, assetPath: String) {
+            try {
+                val bitmap = imageView.context.assets.open(assetPath).use {
+                    BitmapFactory.decodeStream(it)
+                }
+                imageView.setImageBitmap(bitmap)
+            } catch (_: Exception) {
+                imageView.setImageDrawable(null)
+            }
+        }
+
+        fun mibCardStatusLabel(cardStatus: String): String? = when (cardStatus) {
+            "CHST0" -> null   // Active — no badge
+            else    -> cardStatus
+        }
+
+        fun bindCardStatus(tv: TextView, statusLabel: String?) {
+            if (statusLabel == null) { tv.visibility = View.GONE; return }
+            tv.visibility = View.VISIBLE
+            tv.text = statusLabel
+            val dp = tv.context.resources.displayMetrics.density
+            tv.background = GradientDrawable().apply {
+                shape = GradientDrawable.RECTANGLE
+                cornerRadius = 12 * dp
+                setColor(0xCC212121.toInt())
+            }
+        }
+
+        fun formatMasked(masked: String): String {
+            if (masked.length < 4) return masked
+            return "\u2022\u2022\u2022\u2022 ${masked.takeLast(4)}"
+        }
+    }
+}

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

@@ -13,6 +13,12 @@ import android.provider.Settings
 import android.widget.Toast
 import androidx.activity.result.contract.ActivityResultContracts
 import androidx.appcompat.app.AppCompatActivity
+import android.content.res.ColorStateList
+import android.graphics.Color
+import android.graphics.drawable.Animatable
+import android.view.ScaleGestureDetector
+import androidx.appcompat.content.res.AppCompatResources
+import androidx.camera.core.Camera
 import androidx.camera.core.CameraSelector
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowCompat
@@ -52,6 +58,8 @@ class QrScannerActivity : AppCompatActivity() {
         textMode = ZxingCpp.TextMode.PLAIN
     )
 
+    private var camera: Camera? = null
+    private var torchEnabled = false
     private var cameraStarted = false
 
     private val permissionLauncher = registerForActivityResult(
@@ -104,8 +112,36 @@ class QrScannerActivity : AppCompatActivity() {
             }
             insets
         }
-        binding.btnCancel.setOnClickListener { finish() }
         binding.btnPickImage.setOnClickListener { pickImageLauncher.launch("image/*") }
+        binding.zoomSlider.addOnChangeListener { _, value, fromUser ->
+            if (fromUser) camera?.cameraControl?.setLinearZoom(value)
+        }
+        val scaleDetector = ScaleGestureDetector(this,
+            object : ScaleGestureDetector.SimpleOnScaleGestureListener() {
+                override fun onScale(detector: ScaleGestureDetector): Boolean {
+                    val state = camera?.cameraInfo?.zoomState?.value ?: return true
+                    camera?.cameraControl?.setZoomRatio(
+                        (state.zoomRatio * detector.scaleFactor)
+                            .coerceIn(state.minZoomRatio, state.maxZoomRatio)
+                    )
+                    return true
+                }
+            })
+        binding.previewView.setOnTouchListener { _, event ->
+            scaleDetector.onTouchEvent(event)
+            true
+        }
+        binding.btnFlashlight.setOnClickListener {
+            torchEnabled = !torchEnabled
+            camera?.cameraControl?.enableTorch(torchEnabled)
+            val drawableRes = if (torchEnabled) R.drawable.ic_flashlight_to_on else R.drawable.ic_flashlight_to_off
+            val drawable = AppCompatResources.getDrawable(this, drawableRes)
+            binding.btnFlashlight.icon = drawable
+            (drawable as? Animatable)?.start()
+            binding.btnFlashlight.iconTint = ColorStateList.valueOf(
+                if (torchEnabled) Color.parseColor("#FFEB3B") else Color.WHITE
+            )
+        }
 
         if (ContextCompat.checkSelfPermission(this, Manifest.permission.CAMERA)
             == PackageManager.PERMISSION_GRANTED
@@ -179,9 +215,12 @@ class QrScannerActivity : AppCompatActivity() {
 
             try {
                 provider.unbindAll()
-                provider.bindToLifecycle(
+                camera = provider.bindToLifecycle(
                     this, CameraSelector.DEFAULT_BACK_CAMERA, preview, analysis
                 )
+                camera?.cameraInfo?.zoomState?.observe(this@QrScannerActivity) { state ->
+                    binding.zoomSlider.value = state.linearZoom
+                }
             } catch (_: Exception) {
                 finish()
             }

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

@@ -17,14 +17,15 @@ class SettingsFragment : Fragment() {
     private data class SettingsItem(
         @DrawableRes val icon: Int,
         @StringRes val title: Int,
+        @StringRes val description: Int,
         val dest: () -> Fragment
     )
 
     private val items = listOf(
-        SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins)           { SettingsLoginsFragment() },
-        SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance)        { SettingsAppearanceFragment() },
-        SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security)  { SettingsSecurityFragment() },
-        SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage)           { SettingsStorageFragment() },
+        SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins,          R.string.settings_desc_logins)           { SettingsLoginsFragment() },
+        SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance,       R.string.settings_desc_appearance)       { SettingsAppearanceFragment() },
+        SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security, R.string.settings_desc_privacy_security) { SettingsSecurityFragment() },
+        SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage,          R.string.settings_desc_storage)          { SettingsStorageFragment() },
     )
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =
@@ -37,6 +38,7 @@ class SettingsFragment : Fragment() {
             val row = inflater.inflate(R.layout.item_more_nav, list, false)
             row.findViewById<ImageView>(R.id.ivIcon).setImageResource(item.icon)
             row.findViewById<TextView>(R.id.tvLabel).setText(item.title)
+            row.findViewById<TextView>(R.id.tvDescription).setText(item.description)
             row.setOnClickListener {
                 (requireActivity() as HomeActivity).showWithBackStack(item.dest())
             }

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

@@ -2,35 +2,299 @@ package sh.sar.basedbank.ui.home
 
 import android.content.Context
 import android.content.Intent
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import android.net.Uri
 import android.os.Bundle
+import android.util.Base64
 import android.view.Gravity
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
-import android.widget.CheckBox
 import android.widget.ImageView
 import android.widget.LinearLayout
 import android.widget.TextView
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.core.content.FileProvider
 import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.materialswitch.MaterialSwitch
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.mib.MibProfile
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentSettingsLoginsBinding
 import sh.sar.basedbank.ui.login.LoginActivity
 import sh.sar.basedbank.util.AccountCache
+import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.ContactImageCache
 import sh.sar.basedbank.util.ContactsCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.FinancingCache
 import sh.sar.basedbank.util.ForeignLimitsCache
+import sh.sar.basedbank.util.ProfileImageStore
 import sh.sar.basedbank.util.RecentsCache
+import androidx.lifecycle.lifecycleScope
+import kotlin.coroutines.resume
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.suspendCancellableCoroutine
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.api.bml.BmlActivationResult
+import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.bml.BmlOtpChannel
+import java.io.ByteArrayOutputStream
+import java.io.File
 
 class SettingsLoginsFragment : Fragment() {
 
     private var _binding: FragmentSettingsLoginsBinding? = null
     private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    // ── Profile image picker state ─────────────────────────────────────────────
+
+    private sealed class PendingImageTarget {
+        data class Mib(val loginId: String, val profile: MibProfile) : PendingImageTarget()
+        data class Bml(val profileId: String, val refreshImage: (Bitmap?) -> Unit) : PendingImageTarget()
+        data class Fahipay(val loginId: String, val refreshImage: (Bitmap?) -> Unit) : PendingImageTarget()
+    }
+    private var pendingImageTarget: PendingImageTarget? = null
+    private var cameraPhotoUri: Uri? = null
+
+    private val galleryLauncher = registerForActivityResult(ActivityResultContracts.GetContent()) { uri ->
+        if (uri == null) return@registerForActivityResult
+        val bitmap = loadAndScaleBitmap(uri) ?: return@registerForActivityResult
+        handlePickedImage(bitmap)
+    }
+
+    private val cameraLauncher = registerForActivityResult(ActivityResultContracts.TakePicture()) { success ->
+        if (!success) return@registerForActivityResult
+        val uri = cameraPhotoUri ?: return@registerForActivityResult
+        val bitmap = loadAndScaleBitmap(uri) ?: return@registerForActivityResult
+        handlePickedImage(bitmap)
+    }
+
+    private fun loadAndScaleBitmap(uri: Uri): Bitmap? {
+        return try {
+            val ctx = requireContext()
+            val inputStream = ctx.contentResolver.openInputStream(uri) ?: return null
+            val original = BitmapFactory.decodeStream(inputStream)
+            inputStream.close()
+            if (original == null) return null
+            val maxDim = 512
+            val scale = minOf(maxDim.toFloat() / original.width, maxDim.toFloat() / original.height, 1f)
+            if (scale < 1f) {
+                Bitmap.createScaledBitmap(original, (original.width * scale).toInt(), (original.height * scale).toInt(), true)
+            } else original
+        } catch (_: Exception) { null }
+    }
+
+    private fun handlePickedImage(bitmap: Bitmap) {
+        val target = pendingImageTarget ?: return
+        when (target) {
+            is PendingImageTarget.Mib -> uploadMibProfileImage(target.loginId, target.profile, bitmap)
+            is PendingImageTarget.Bml -> {
+                ProfileImageStore.save(requireContext(), ProfileImageStore.bmlKey(target.profileId), bitmap)
+                target.refreshImage(bitmap)
+            }
+            is PendingImageTarget.Fahipay -> {
+                ProfileImageStore.save(requireContext(), ProfileImageStore.fahipayKey(target.loginId), bitmap)
+                target.refreshImage(bitmap)
+            }
+        }
+    }
+
+    private fun uploadMibProfileImage(loginId: String, profile: MibProfile, bitmap: Bitmap) {
+        val ctx = requireContext()
+        val app = requireActivity().application as BasedBankApp
+        val progress = MaterialAlertDialogBuilder(ctx)
+            .setMessage(getString(R.string.profile_image_uploading))
+            .setCancelable(false)
+            .show()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                try {
+                    val session = app.mibSessions[loginId] ?: app.anyMibSession() ?: return@withContext null
+                    val flow = app.mibLoginFlows[loginId] ?: return@withContext null
+                    flow.switchProfile(session, profile)
+                    // MIB server enforces a small payload limit (~4KB); scale to 100px max
+                    val mibMax = 100
+                    val mibScale = minOf(mibMax.toFloat() / bitmap.width, mibMax.toFloat() / bitmap.height, 1f)
+                    val mibBitmap = if (mibScale < 1f)
+                        Bitmap.createScaledBitmap(bitmap, (bitmap.width * mibScale).toInt(), (bitmap.height * mibScale).toInt(), true)
+                    else bitmap
+                    val baos = ByteArrayOutputStream()
+                    mibBitmap.compress(Bitmap.CompressFormat.JPEG, 50, baos)
+                    val base64 = Base64.encodeToString(baos.toByteArray(), Base64.NO_WRAP)
+                    flow.uploadProfileImage(session, profile, base64)
+                } catch (_: Exception) { null }
+            }
+            progress.dismiss()
+            if (result == null) {
+                MaterialAlertDialogBuilder(ctx)
+                    .setMessage(getString(R.string.profile_image_upload_failed))
+                    .setPositiveButton(R.string.close, null)
+                    .show()
+            } else {
+                clearAllCaches(ctx)
+                (activity as? HomeActivity)?.relogin()
+            }
+        }
+    }
+
+    private fun showImagePickerMenu(anchor: View, target: PendingImageTarget, currentBitmap: Bitmap?) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+
+        val items = mutableListOf<Triple<Int, String, () -> Unit>>()
+        items += Triple(R.drawable.ic_image, getString(R.string.profile_image_select)) {
+            pendingImageTarget = target
+            galleryLauncher.launch("image/*")
+        }
+        items += Triple(R.drawable.ic_camera, getString(R.string.profile_image_camera)) {
+            pendingImageTarget = target
+            val photoFile = File(ctx.cacheDir, "profile_photo_tmp.jpg")
+            val uri = FileProvider.getUriForFile(ctx, "${ctx.packageName}.fileprovider", photoFile)
+            cameraPhotoUri = uri
+            cameraLauncher.launch(uri)
+        }
+        if (target is PendingImageTarget.Mib || currentBitmap != null || hasSavedImage(ctx, target)) {
+            items += Triple(R.drawable.ic_delete, getString(R.string.profile_image_remove)) {
+                removeProfileImage(ctx, target)
+            }
+        }
+
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val vp = (8 * dp).toInt()
+            setPadding(0, vp, 0, vp)
+        }
+        for ((iconRes, label, action) in items) {
+            val iconSize = (24 * dp).toInt()
+            val row = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+                background = ta.getDrawable(0); ta.recycle()
+                isClickable = true; isFocusable = true
+                val hp = (24 * dp).toInt(); val vp2 = (12 * dp).toInt()
+                setPadding(hp, vp2, hp, vp2)
+            }
+            val iconColor = com.google.android.material.color.MaterialColors.getColor(
+                requireView(), com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.BLACK)
+            val icon = ImageView(ctx).apply {
+                setImageResource(iconRes)
+                imageTintList = android.content.res.ColorStateList.valueOf(iconColor)
+            }
+            val tv = TextView(ctx).apply {
+                text = label
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f).apply {
+                    marginStart = (12 * dp).toInt()
+                }
+            }
+            row.addView(icon, LinearLayout.LayoutParams(iconSize, iconSize))
+            row.addView(tv)
+            list.addView(row)
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.profile_image_title)
+            .setView(list)
+            .setNegativeButton(R.string.cancel, null)
+            .show()
+
+        val rows = (0 until list.childCount).map { list.getChildAt(it) }
+        rows.forEachIndexed { i, row ->
+            row.setOnClickListener {
+                dialog.dismiss()
+                items[i].third()
+            }
+        }
+    }
+
+    private fun hasSavedImage(ctx: Context, target: PendingImageTarget): Boolean = when (target) {
+        is PendingImageTarget.Mib -> target.profile.customerImage != null
+        is PendingImageTarget.Bml -> ProfileImageStore.exists(ctx, ProfileImageStore.bmlKey(target.profileId))
+        is PendingImageTarget.Fahipay -> ProfileImageStore.exists(ctx, ProfileImageStore.fahipayKey(target.loginId))
+    }
+
+    private fun removeProfileImage(ctx: Context, target: PendingImageTarget) {
+        when (target) {
+            is PendingImageTarget.Mib -> {
+                val app = requireActivity().application as BasedBankApp
+                val progress = MaterialAlertDialogBuilder(ctx)
+                    .setMessage(getString(R.string.profile_image_deleting))
+                    .setCancelable(false)
+                    .show()
+                viewLifecycleOwner.lifecycleScope.launch {
+                    withContext(Dispatchers.IO) {
+                        try {
+                            val session = app.mibSessions[target.loginId] ?: app.anyMibSession() ?: return@withContext
+                            val flow = app.mibLoginFlows[target.loginId] ?: return@withContext
+                            flow.switchProfile(session, target.profile)
+                            flow.deleteProfileImage(session, target.profile)
+                        } catch (_: Exception) {}
+                    }
+                    progress.dismiss()
+                    clearAllCaches(ctx)
+                    (activity as? HomeActivity)?.relogin()
+                }
+            }
+            is PendingImageTarget.Bml -> {
+                ProfileImageStore.delete(ctx, ProfileImageStore.bmlKey(target.profileId))
+                target.refreshImage(null)
+            }
+            is PendingImageTarget.Fahipay -> {
+                ProfileImageStore.delete(ctx, ProfileImageStore.fahipayKey(target.loginId))
+                target.refreshImage(null)
+            }
+        }
+    }
+
+    private fun makePencilButton(ctx: Context): ImageView {
+        val dp = ctx.resources.displayMetrics.density
+        val size = (32 * dp).toInt()
+        return ImageView(ctx).apply {
+            setImageResource(R.drawable.ic_edit)
+            val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackgroundBorderless))
+            background = ta.getDrawable(0); ta.recycle()
+            isClickable = true; isFocusable = true
+            layoutParams = LinearLayout.LayoutParams(size, size).apply {
+                marginStart = (4 * dp).toInt()
+            }
+        }
+    }
+
+    private fun makeCircleAvatarView(ctx: Context, sizeDp: Int): ImageView {
+        val dp = ctx.resources.displayMetrics.density
+        val size = (sizeDp * dp).toInt()
+        return ImageView(ctx).apply {
+            layoutParams = LinearLayout.LayoutParams(size, size)
+            scaleType = ImageView.ScaleType.CENTER_CROP
+            clipToOutline = true
+            outlineProvider = object : android.view.ViewOutlineProvider() {
+                override fun getOutline(view: View, outline: android.graphics.Outline) {
+                    outline.setOval(0, 0, view.width, view.height)
+                }
+            }
+        }
+    }
+
+    private fun setAvatarBitmap(iv: ImageView, bitmap: Bitmap?) {
+        if (bitmap != null) {
+            iv.setImageBitmap(bitmap)
+            iv.imageTintList = null
+        } else {
+            iv.setImageResource(R.drawable.ic_image)
+            val color = com.google.android.material.color.MaterialColors.getColor(
+                iv, com.google.android.material.R.attr.colorOnSurface, android.graphics.Color.BLACK)
+            iv.imageTintList = android.content.res.ColorStateList.valueOf(color)
+        }
+    }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentSettingsLoginsBinding.inflate(inflater, container, false)
@@ -78,24 +342,9 @@ class SettingsLoginsFragment : Fragment() {
         for (loginId in bmlLoginIds) {
             val profile = store.loadBmlUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
-            val profileNames = AccountCache.loadBml(ctx, loginId).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            val bmlProfiles = store.loadBmlProfiles(loginId)
             addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
-                showLoginDetails(
-                    title = getString(R.string.bml_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (!profile?.customerId.isNullOrBlank()) appendLine("${getString(R.string.login_detail_customer_id)}: ${profile!!.customerId}")
-                        if (!profile?.idCard.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.idCard}")
-                        if (profileNames.isNotEmpty()) {
-                            appendLine()
-                            appendLine(getString(R.string.login_detail_profiles))
-                            profileNames.forEach { appendLine("  • $it") }
-                        }
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) } }
-                )
+                showBmlLoginDetails(store, loginId, profile, bmlProfiles)
             }
         }
 
@@ -103,16 +352,7 @@ class SettingsLoginsFragment : Fragment() {
             val profile = store.loadFahipayUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
             addLoginRow(container, R.drawable.fahipay_logo, displayName) {
-                showLoginDetails(
-                    title = getString(R.string.fahipay_name),
-                    details = buildString {
-                        if (!profile?.fullName.isNullOrBlank()) appendLine("${getString(R.string.login_detail_name)}: ${profile!!.fullName}")
-                        if (!profile?.email.isNullOrBlank()) appendLine("${getString(R.string.login_detail_email)}: ${profile!!.email}")
-                        if (!profile?.mobile.isNullOrBlank()) appendLine("${getString(R.string.login_detail_mobile)}: ${profile!!.mobile}")
-                        if (!profile?.nid.isNullOrBlank()) appendLine("${getString(R.string.login_detail_id_card)}: ${profile!!.nid}")
-                    }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) } }
-                )
+                showFahipayLoginDetails(store, loginId, profile)
             }
         }
     }
@@ -195,8 +435,8 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
-        // Build checkbox rows — wired up after dialog.show() so we can reference the Save button
-        val checkboxRows = mibProfiles.map { p ->
+        // Build toggle rows — wired up after dialog.show() so we can reference the Save button
+        val toggleRows = mibProfiles.map { p ->
             val row = LinearLayout(ctx).apply {
                 orientation = LinearLayout.HORIZONTAL
                 gravity = Gravity.CENTER_VERTICAL
@@ -219,11 +459,33 @@ class SettingsLoginsFragment : Fragment() {
                     alpha = 0.6f
                 })
             }
-            val cb = CheckBox(ctx).apply { isChecked = p.profileId !in hidden }
+            val pencil = makePencilButton(ctx).apply {
+                alpha = 0.38f
+                isEnabled = false
+            }
+            val toggle = MaterialSwitch(ctx).apply {
+                isChecked = p.profileId !in hidden
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    marginStart = (4 * dp).toInt()
+                }
+            }
+            pencil.setOnClickListener {
+                android.widget.Toast.makeText(ctx, "Work in progress", android.widget.Toast.LENGTH_SHORT).show()
+            }
             row.addView(textCol)
-            row.addView(cb)
+            row.addView(pencil)
+            row.addView(toggle)
             container.addView(row)
-            p to cb
+            p to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = mibProfiles.count { it.profileId !in hidden }
+            toggleRows.forEach { (p, toggle) ->
+                // Disable the sole remaining visible toggle so it can't be turned off
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -238,12 +500,12 @@ class SettingsLoginsFragment : Fragment() {
 
         val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
         saveBtn.isEnabled = false
+        updateToggleStates(saveBtn)
 
-        checkboxRows.forEach { (p, cb) ->
-            cb.setOnCheckedChangeListener { _, checked ->
+        toggleRows.forEach { (p, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
                 if (checked) hidden.remove(p.profileId) else hidden.add(p.profileId)
-                val atLeastOneVisible = mibProfiles.any { it.profileId !in hidden }
-                saveBtn.isEnabled = hidden != originalHidden && atLeastOneVisible
+                updateToggleStates(saveBtn)
             }
         }
 
@@ -255,6 +517,446 @@ class SettingsLoginsFragment : Fragment() {
         }
     }
 
+    private fun showBmlLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.BmlUserProfile?,
+        bmlProfiles: List<BmlProfile>
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val hidden = store.getHiddenBmlProfileIds(loginId).toMutableSet()
+        // Business profiles with no saved session were skipped during login — ensure they start hidden
+        val needsActivation = bmlProfiles
+            .filter { it.profileType == "business" && store.loadBmlProfileSession(it.profileId) == null }
+            .map { it.profileId }
+            .toMutableSet()
+        for (id in needsActivation) {
+            if (hidden.add(id)) store.setHiddenBmlProfileIds(loginId, hidden)
+        }
+        val originalHidden = hidden.toSet()
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+        listOfNotNull(
+            profile?.fullName?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: ${if (hide) masked else it}" },
+            profile?.mobile?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" },
+            profile?.customerId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_customer_id)}: ${if (hide) masked else it}" },
+            profile?.idCard?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_id_card)}: ${if (hide) masked else it}" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (bmlProfiles.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        val toggleRows = bmlProfiles.map { p ->
+            val avatarIv = makeCircleAvatarView(ctx, 36)
+            val currentBitmap = ProfileImageStore.load(ctx, ProfileImageStore.bmlKey(p.profileId))
+            setAvatarBitmap(avatarIv, currentBitmap)
+
+            val row = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val textCol = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            textCol.addView(TextView(ctx).apply {
+                text = p.name
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+            })
+            if (p.type.isNotBlank()) {
+                textCol.addView(TextView(ctx).apply {
+                    text = p.type
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.6f
+                })
+            }
+            val pencil = makePencilButton(ctx)
+            val toggle = MaterialSwitch(ctx).apply {
+                isChecked = p.profileId !in hidden
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    marginStart = (4 * dp).toInt()
+                }
+            }
+            val target = PendingImageTarget.Bml(p.profileId) { newBitmap ->
+                setAvatarBitmap(avatarIv, newBitmap)
+            }
+            pencil.setOnClickListener {
+                val cur = ProfileImageStore.load(ctx, ProfileImageStore.bmlKey(p.profileId))
+                showImagePickerMenu(pencil, target, cur)
+            }
+            val avatarSize = (36 * dp).toInt()
+            row.addView(avatarIv, LinearLayout.LayoutParams(avatarSize, avatarSize).apply { marginEnd = (8 * dp).toInt() })
+            row.addView(textCol)
+            row.addView(pencil)
+            row.addView(toggle)
+            container.addView(row)
+            p to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = bmlProfiles.count { it.profileId !in hidden }
+            toggleRows.forEach { (_, toggle) ->
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.bml_name))
+            .setView(scroll)
+            .setPositiveButton(R.string.save, null)
+            .setNeutralButton(R.string.close, null)
+            .setNegativeButton(R.string.settings_logout) { _, _ ->
+                confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) }
+            }
+            .show()
+
+        val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        saveBtn.isEnabled = false
+        updateToggleStates(saveBtn)
+
+        toggleRows.forEach { (p, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (checked && p.profileId in needsActivation) {
+                    toggle.isChecked = false  // revert — enabling requires OTP
+                    viewLifecycleOwner.lifecycleScope.launch {
+                        val success = activateBmlBusinessProfile(store, loginId, p)
+                        if (success) {
+                            needsActivation.remove(p.profileId)
+                            toggle.isChecked = true  // listener re-fires, removes from hidden
+                        }
+                    }
+                } else {
+                    if (checked) hidden.remove(p.profileId) else hidden.add(p.profileId)
+                    updateToggleStates(saveBtn)
+                }
+            }
+        }
+
+        saveBtn.setOnClickListener {
+            store.setHiddenBmlProfileIds(loginId, hidden)
+            clearAllCaches(ctx)
+            dialog.dismiss()
+            (activity as? HomeActivity)?.relogin()
+        }
+    }
+
+    private suspend fun activateBmlBusinessProfile(
+        store: CredentialStore,
+        loginId: String,
+        profile: BmlProfile
+    ): Boolean {
+        val creds = store.loadBmlCredentials(loginId) ?: run {
+            showSimpleError("Credentials not found — please log out and log in again")
+            return false
+        }
+        val progressDialog = MaterialAlertDialogBuilder(requireContext())
+            .setMessage("Connecting to BML\u2026")
+            .setCancelable(false)
+            .show()
+        val flow = BmlLoginFlow()
+        val loginTag = "bml_$loginId"
+        val activationResult = try {
+            withContext(Dispatchers.IO) {
+                flow.login(creds.username, creds.password, creds.otpSeed)
+                flow.activateProfile(profile, loginTag)
+            }
+        } catch (e: Exception) {
+            progressDialog.dismiss()
+            showSimpleError(e.message ?: "Authentication failed")
+            return false
+        }
+        progressDialog.dismiss()
+        return when (activationResult) {
+            is BmlActivationResult.Success -> {
+                store.saveBmlProfileSession(profile.profileId, activationResult.session.accessToken, activationResult.session.deviceId)
+                if (activationResult.session.refreshToken.isNotBlank())
+                    store.saveBmlProfileRefreshToken(profile.profileId, activationResult.session.refreshToken)
+                if (activationResult.session.expiresAt > 0)
+                    store.saveBmlProfileExpiresAt(profile.profileId, activationResult.session.expiresAt)
+                true
+            }
+            is BmlActivationResult.NeedsBusinessOtp ->
+                continueBmlBusinessOtpFlow(store, loginId, profile, flow, loginTag, activationResult.channels)
+        }
+    }
+
+    private suspend fun continueBmlBusinessOtpFlow(
+        store: CredentialStore,
+        loginId: String,
+        profile: BmlProfile,
+        flow: BmlLoginFlow,
+        loginTag: String,
+        channels: List<BmlOtpChannel>
+    ): Boolean {
+        val selectedChannel = showBmlChannelSelectionDialog(profile.name, channels) ?: return false
+        val channelObj = channels.first { it.channel == selectedChannel }
+        val sendProgress = MaterialAlertDialogBuilder(requireContext())
+            .setMessage("Sending OTP\u2026")
+            .setCancelable(false)
+            .show()
+        try {
+            withContext(Dispatchers.IO) { flow.requestBusinessOtp(selectedChannel) }
+        } catch (e: Exception) {
+            sendProgress.dismiss()
+            showSimpleError(e.message ?: "Failed to send OTP")
+            return false
+        }
+        sendProgress.dismiss()
+        var otpError: String? = null
+        while (true) {
+            val code = showBmlOtpInputDialog(profile.name, channelObj, otpError) ?: return false
+            val verifyProgress = MaterialAlertDialogBuilder(requireContext())
+                .setMessage("Verifying\u2026")
+                .setCancelable(false)
+                .show()
+            try {
+                val (session, _) = withContext(Dispatchers.IO) {
+                    flow.submitBusinessOtp(selectedChannel, code, profile, loginTag)
+                }
+                verifyProgress.dismiss()
+                store.saveBmlProfileSession(profile.profileId, session.accessToken, session.deviceId)
+                if (session.refreshToken.isNotBlank())
+                    store.saveBmlProfileRefreshToken(profile.profileId, session.refreshToken)
+                if (session.expiresAt > 0)
+                    store.saveBmlProfileExpiresAt(profile.profileId, session.expiresAt)
+                return true
+            } catch (e: Exception) {
+                verifyProgress.dismiss()
+                if (e.message?.contains("Invalid OTP") == true) {
+                    otpError = e.message
+                } else {
+                    showSimpleError(e.message ?: "Verification failed")
+                    return false
+                }
+            }
+        }
+    }
+
+    private fun showSimpleError(message: String) {
+        MaterialAlertDialogBuilder(requireContext())
+            .setMessage(message)
+            .setPositiveButton(R.string.close, null)
+            .show()
+    }
+
+    private suspend fun showBmlChannelSelectionDialog(profileName: String, channels: List<BmlOtpChannel>): String? =
+        suspendCancellableCoroutine { cont ->
+            val ctx = requireContext()
+            val dp = ctx.resources.displayMetrics.density
+
+            val list = LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                val vp = (8 * dp).toInt()
+                setPadding(0, vp, 0, vp)
+            }
+
+            for (channel in channels) {
+                val iconRes = when (channel.channel) {
+                    "Email"    -> R.drawable.ic_channel_email
+                    "Mobile"   -> R.drawable.ic_channel_sms
+                    "WhatsApp" -> R.drawable.ic_channel_whatsapp
+                    else       -> R.drawable.ic_channel_sms
+                }
+                val iconSize = (24 * dp).toInt()
+
+                val iconView = ImageView(ctx).apply {
+                    setImageResource(iconRes)
+                }
+
+                val textCol = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.VERTICAL
+                    gravity = Gravity.CENTER_VERTICAL
+                    layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f).apply {
+                        marginStart = (12 * dp).toInt()
+                    }
+                }
+                textCol.addView(TextView(ctx).apply {
+                    text = channel.description
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+                })
+                textCol.addView(TextView(ctx).apply {
+                    text = channel.masked
+                    setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+                    alpha = 0.6f
+                })
+
+                val row = LinearLayout(ctx).apply {
+                    orientation = LinearLayout.HORIZONTAL
+                    gravity = Gravity.CENTER_VERTICAL
+                    val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
+                    background = ta.getDrawable(0); ta.recycle()
+                    isClickable = true; isFocusable = true
+                    val hp = (24 * dp).toInt(); val vp = (12 * dp).toInt()
+                    setPadding(hp, vp, hp, vp)
+                }
+                row.addView(iconView, LinearLayout.LayoutParams(iconSize, iconSize))
+                row.addView(textCol)
+                list.addView(row)
+            }
+
+            val d = MaterialAlertDialogBuilder(ctx)
+                .setTitle("Send verification code")
+                .setView(list)
+                .setNegativeButton(R.string.cancel) { _, _ -> if (cont.isActive) cont.resume(null) }
+                .setCancelable(false)
+                .show()
+            d.setOnCancelListener { if (cont.isActive) cont.resume(null) }
+
+            // Wire up row clicks after dialog is created so we can dismiss it first
+            val rows = list.run { (0 until childCount).map { getChildAt(it) } }
+            rows.forEachIndexed { i, row ->
+                row.setOnClickListener {
+                    d.dismiss()
+                    if (cont.isActive) cont.resume(channels[i].channel)
+                }
+            }
+        }
+
+    private suspend fun showBmlOtpInputDialog(
+        profileName: String,
+        channel: BmlOtpChannel,
+        errorMsg: String? = null
+    ): String? = suspendCancellableCoroutine { cont ->
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val input = android.widget.EditText(ctx).apply {
+            hint = "Enter OTP"
+            inputType = android.text.InputType.TYPE_CLASS_NUMBER
+            filters = arrayOf(android.text.InputFilter.LengthFilter(6))
+            setPadding((24 * dp).toInt(), (8 * dp).toInt(), (24 * dp).toInt(), (8 * dp).toInt())
+        }
+        val msg = buildString {
+            append(getString(R.string.bml_business_otp_sent, channel.description))
+            append(" (${channel.masked})")
+            if (errorMsg != null) append("\n\n$errorMsg")
+        }
+        val d = MaterialAlertDialogBuilder(ctx)
+            .setTitle("Enter verification code")
+            .setMessage(msg)
+            .setView(input)
+            .setPositiveButton(R.string.verify, null)
+            .setNegativeButton(R.string.cancel) { _, _ -> if (cont.isActive) cont.resume(null) }
+            .setCancelable(false)
+            .show()
+        d.setOnCancelListener { if (cont.isActive) cont.resume(null) }
+        d.getButton(android.app.AlertDialog.BUTTON_POSITIVE).setOnClickListener {
+            val code = input.text.toString().trim()
+            if (code.length != 6) {
+                input.error = "Enter 6 digits"
+            } else {
+                d.dismiss()
+                if (cont.isActive) cont.resume(code)
+            }
+        }
+    }
+
+    private fun showFahipayLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.FahipayUserProfile?
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        // Avatar row with pencil
+        val avatarRow = LinearLayout(ctx).apply {
+            orientation = LinearLayout.HORIZONTAL
+            gravity = Gravity.CENTER_VERTICAL
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                bottomMargin = (12 * dp).toInt()
+            }
+        }
+        val avatarSize = (56 * dp).toInt()
+        val avatarIv = makeCircleAvatarView(ctx, 56)
+        val currentBitmap = ProfileImageStore.load(ctx, ProfileImageStore.fahipayKey(loginId))
+        setAvatarBitmap(avatarIv, currentBitmap)
+
+        val pencil = makePencilButton(ctx)
+        val target = PendingImageTarget.Fahipay(loginId) { newBitmap ->
+            setAvatarBitmap(avatarIv, newBitmap)
+        }
+        pencil.setOnClickListener {
+            val cur = ProfileImageStore.load(ctx, ProfileImageStore.fahipayKey(loginId))
+            showImagePickerMenu(pencil, target, cur)
+        }
+        avatarRow.addView(avatarIv, LinearLayout.LayoutParams(avatarSize, avatarSize).apply { marginEnd = (8 * dp).toInt() })
+        avatarRow.addView(pencil)
+        container.addView(avatarRow)
+
+        // Account info lines
+        listOfNotNull(
+            profile?.fullName?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: ${if (hide) masked else it}" },
+            profile?.mobile?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" },
+            profile?.nid?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_id_card)}: ${if (hide) masked else it}" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.fahipay_name))
+            .setView(scroll)
+            .setPositiveButton(R.string.close, null)
+            .setNegativeButton(R.string.settings_logout) { _, _ ->
+                confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) }
+            }
+            .show()
+    }
+
     private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
         MaterialAlertDialogBuilder(requireContext())
             .setTitle(title)
@@ -283,6 +985,7 @@ class SettingsLoginsFragment : Fragment() {
         app.mibLoginFlows.remove(loginId)
         app.mibAccounts = app.mibAccounts.filter { it.loginTag != "mib_$loginId" }
         app.accounts = app.accounts.filter { it.loginTag != "mib_$loginId" }
+        viewModel.financing.value = emptyList()
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()
@@ -290,10 +993,20 @@ class SettingsLoginsFragment : Fragment() {
 
     private fun logoutBml(store: CredentialStore, loginId: String) {
         val ctx = requireContext()
-        store.clearBmlCredentials(loginId); store.clearBmlSession(loginId)
         val app = requireActivity().application as BasedBankApp
-        app.bmlSessions.remove(loginId)
+        // Remove all per-profile sessions for this login from the in-memory map
+        val profiles = app.bmlProfilesMap[loginId] ?: emptyList()
+        profiles.forEach { p ->
+            app.bmlSessions.remove(p.profileId)
+            ProfileImageStore.delete(ctx, ProfileImageStore.bmlKey(p.profileId))
+        }
+        // clearBmlCredentials also clears per-profile tokens via loadBmlProfiles internally
+        store.clearBmlCredentials(loginId)
+        app.bmlProfilesMap.remove(loginId)
+        app.bmlLoginFlows.remove(loginId)
         app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" }
+        viewModel.bmlLimits.value = emptyList()
+        viewModel.bmlLoanDetails.value = emptyMap()
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()
@@ -301,6 +1014,7 @@ class SettingsLoginsFragment : Fragment() {
 
     private fun logoutFahipay(store: CredentialStore, loginId: String) {
         val ctx = requireContext()
+        ProfileImageStore.delete(ctx, ProfileImageStore.fahipayKey(loginId))
         store.clearFahipayCredentials(loginId)
         val app = requireActivity().application as BasedBankApp
         app.fahipaySessions.remove(loginId)
@@ -313,6 +1027,7 @@ class SettingsLoginsFragment : Fragment() {
     private fun clearAllCaches(ctx: Context) {
         AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
         ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)
-        TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+        CardsCache.clear(ctx); TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+        // Note: ProfileImageStore is intentionally NOT cleared here — profile images are user-set data
     }
 }

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

@@ -31,6 +31,15 @@ class SettingsSecurityFragment : Fragment() {
             )
         }
 
+        // Auto unlock on correct PIN (only for pin method)
+        if (prefs.getString("security_method", null) == "pin") {
+            binding.rowAutoUnlockPin.visibility = View.VISIBLE
+            binding.switchAutoUnlockPin.isChecked = prefs.getBoolean("auto_unlock_pin", false)
+            binding.switchAutoUnlockPin.setOnCheckedChangeListener { _, isChecked ->
+                prefs.edit().putBoolean("auto_unlock_pin", isChecked).apply()
+            }
+        }
+
         // Biometrics
         val canUseBiometrics = BiometricManager.from(requireContext())
             .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
@@ -60,7 +69,6 @@ class SettingsSecurityFragment : Fragment() {
 
         // Auto-lock
         binding.autolockToggle.check(when (prefs.getLong("autolock_timeout", 60_000L)) {
-            0L       -> R.id.btnAutolockOff
             30_000L  -> R.id.btnAutolock30s
             180_000L -> R.id.btnAutolock3m
             300_000L -> R.id.btnAutolock5m
@@ -69,7 +77,6 @@ class SettingsSecurityFragment : Fragment() {
         binding.autolockToggle.addOnButtonCheckedListener { _, checkedId, isChecked ->
             if (!isChecked) return@addOnButtonCheckedListener
             val timeout = when (checkedId) {
-                R.id.btnAutolockOff -> 0L
                 R.id.btnAutolock30s -> 30_000L
                 R.id.btnAutolock3m  -> 180_000L
                 R.id.btnAutolock5m  -> 300_000L
@@ -79,6 +86,17 @@ class SettingsSecurityFragment : Fragment() {
             (activity as? HomeActivity)?.resetAutolockTimer()
         }
 
+        // Hide sensitive information (enables/disables the eye icon in toolbar)
+        val viewModel = (requireActivity() as HomeActivity).let {
+            androidx.lifecycle.ViewModelProvider(it)[HomeViewModel::class.java]
+        }
+        binding.switchHideAmounts.isChecked = prefs.getBoolean("hide_sensitive_info", false)
+        binding.switchHideAmounts.setOnCheckedChangeListener { _, isChecked ->
+            prefs.edit().putBoolean("hide_sensitive_info", isChecked).apply()
+            if (!isChecked) viewModel.hideAmounts.value = false
+            requireActivity().invalidateOptionsMenu()
+        }
+
         // Block screenshots
         val blockScreenshots = prefs.getBoolean("block_screenshots", true)
         binding.switchBlockScreenshots.isChecked = blockScreenshots

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

@@ -7,10 +7,12 @@ import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentSettingsStorageBinding
 import sh.sar.basedbank.util.AccountCache
+import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.ContactImageCache
 import sh.sar.basedbank.util.ContactsCache
 import sh.sar.basedbank.util.FinancingCache
@@ -21,6 +23,7 @@ class SettingsStorageFragment : Fragment() {
 
     private var _binding: FragmentSettingsStorageBinding? = null
     private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentSettingsStorageBinding.inflate(inflater, container, false)
@@ -32,6 +35,7 @@ class SettingsStorageFragment : Fragment() {
             val ctx = requireContext()
             clearAllCaches(ctx)
             Toast.makeText(ctx, R.string.settings_cache_cleared, Toast.LENGTH_SHORT).show()
+            (activity as? HomeActivity)?.triggerRefresh()
         }
     }
 
@@ -48,6 +52,13 @@ class SettingsStorageFragment : Fragment() {
     private fun clearAllCaches(ctx: Context) {
         AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
         ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)
-        TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+        CardsCache.clear(ctx); TransactionCache.clearAll(ctx); ContactImageCache.clearAll(ctx)
+        viewModel.accounts.value = emptyList()
+        viewModel.mibCards.value = null
+        viewModel.financing.value = emptyList()
+        viewModel.bmlLoanDetails.value = emptyMap()
+        viewModel.bmlLimits.value = emptyList()
+        viewModel.contacts.value = emptyList()
+        viewModel.contactCategories.value = emptyList()
     }
 }

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

@@ -9,17 +9,17 @@ import android.view.ViewGroup
 import androidx.core.graphics.drawable.RoundedBitmapDrawableFactory
 import androidx.recyclerview.widget.RecyclerView
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankTransaction
 import sh.sar.basedbank.databinding.ItemDateHeaderBinding
 import sh.sar.basedbank.databinding.ItemLoadingFooterBinding
 import sh.sar.basedbank.databinding.ItemTransactionBinding
 
-/** Adapter for Transfer History — date-grouped, shows account name in secondary line. */
+/** Adapter for BankTransaction History — date-grouped, shows account name in secondary line. */
 class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     private sealed class Item {
         data class DateHeader(val label: String) : Item()
-        data class Trx(val transaction: Transaction) : Item()
+        data class Trx(val transaction: BankTransaction) : Item()
     }
 
     private val displayItems = mutableListOf<Item>()
@@ -27,6 +27,13 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
     private val iconUrlCache = mutableMapOf<String, Bitmap>()
     var onImageNeeded: ((counterpartyName: String) -> Unit)? = null
     var onIconUrlNeeded: ((url: String) -> Unit)? = null
+    private var hideAmounts: Boolean = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
 
     fun updateImage(counterpartyName: String, bitmap: Bitmap) {
         imageCache[counterpartyName] = bitmap
@@ -60,7 +67,7 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
         }
 
     /** Replace the full sorted transaction list and rebuild date groups. */
-    fun setTransactions(transactions: List<Transaction>) {
+    fun setTransactions(transactions: List<BankTransaction>) {
         _showLoadingFooter = false
         displayItems.clear()
         var lastDateKey = ""
@@ -107,7 +114,7 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
 
     inner class TransactionVH(private val b: ItemTransactionBinding) :
         RecyclerView.ViewHolder(b.root) {
-        fun bind(trx: Transaction) {
+        fun bind(trx: BankTransaction) {
             val isCredit = trx.amount >= 0
             val color = AccountHistoryAdapter.sourceColor(trx.source)
             val name = trx.counterpartyName ?: trx.description
@@ -134,23 +141,28 @@ class TransactionAdapter : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
             }
             b.tvDescription.text = trx.description
 
-            // Show account name in secondary line for Transfer History
+            // Show account name in secondary line for BankTransaction History
             b.tvCounterparty.text = trx.accountDisplayName
             b.tvCounterparty.visibility = View.VISIBLE
 
             b.tvDate.text = AccountHistoryAdapter.formatTime(trx.date)
 
-            val sign = if (isCredit) "+" else "-"
-            val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
-            b.tvAmount.text = "$sign ${trx.currency} $absAmt"
-            b.tvAmount.setTextColor(
-                if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
-            )
+            if (hideAmounts) {
+                b.tvAmount.text = "${trx.currency} ••••••"
+                b.tvAmount.setTextColor(Color.parseColor("#888888"))
+            } else {
+                val sign = if (isCredit) "+" else "-"
+                val absAmt = "%.2f".format(kotlin.math.abs(trx.amount))
+                b.tvAmount.text = "$sign ${trx.currency} $absAmt"
+                b.tvAmount.setTextColor(
+                    if (isCredit) Color.parseColor("#4CAF50") else Color.parseColor("#FF7043")
+                )
+            }
 
             b.root.setOnClickListener { showDetail(trx) }
         }
 
-        private fun showDetail(trx: Transaction) {
+        private fun showDetail(trx: BankTransaction) {
             val ctx = b.root.context
             val title = trx.counterpartyName?.takeIf { it.isNotBlank() } ?: trx.description
             val details = buildString {

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

@@ -25,12 +25,13 @@ import kotlinx.coroutines.sync.withLock
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
-import sh.sar.basedbank.api.bml.BmlLoginFlow
-import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.bml.BmlHistoryClient
+import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.api.mib.MibHistoryClient
-import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.api.models.BankServerException
+import sh.sar.basedbank.api.models.BankTransaction
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentTransferHistoryBinding
 import sh.sar.basedbank.util.ContactImageCache
@@ -48,12 +49,12 @@ class TransferHistoryFragment : Fragment() {
     private lateinit var adapter: TransactionAdapter
 
     // All merged transactions sorted by date desc
-    private val allTransactions = mutableListOf<Transaction>()
+    private val allTransactions = mutableListOf<BankTransaction>()
     private var searchQuery = ""
 
     // Per-account pagination state
     private data class AccountState(
-        val account: MibAccount,
+        val account: BankAccount,
         var mibNextStart: Int = 1,
         var mibTotalCount: Int = -1,
         var bmlNextPage: Int = 1,
@@ -64,7 +65,7 @@ class TransferHistoryFragment : Fragment() {
     ) {
         fun hasMore(): Boolean = when {
             account.bank == "FAHIPAY"                                                       -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"    -> cardMonthOffset < 2
+            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT" -> cardMonthOffset < 2
             account.bank == "BML"                                                           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
             else                                                                            -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
@@ -86,6 +87,8 @@ class TransferHistoryFragment : Fragment() {
         adapter = TransactionAdapter()
         adapter.onImageNeeded = { name -> loadContactImage(name) }
         adapter.onIconUrlNeeded = { url -> loadMerchantIcon(url) }
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
 
@@ -136,6 +139,14 @@ class TransferHistoryFragment : Fragment() {
         }
         (activity as? HomeActivity)?.setRefreshing(true)
         loadNextPages()
+
+        binding.swipeRefresh.setOnRefreshListener {
+            if (isLoading) {
+                binding.swipeRefresh.isRefreshing = false
+            } else {
+                resetAndReload()
+            }
+        }
     }
 
     override fun onResume() {
@@ -143,6 +154,26 @@ class TransferHistoryFragment : Fragment() {
         requireActivity().title = getString(R.string.nav_transfer_history)
     }
 
+    private fun resetAndReload() {
+        allTransactions.clear()
+        pendingImageNames.clear()
+        pendingIconUrls.clear()
+        firstBatchDone = false
+        val accounts = accountStates.map { it.account }
+        accountStates.clear()
+        accounts.forEach { accountStates.add(AccountState(it)) }
+        // Restore cache immediately so data stays visible while refreshing
+        val cached = TransactionCache.load(requireContext(), "transfer")
+        if (cached.isNotEmpty()) {
+            allTransactions.addAll(cached)
+            filterAndDisplay()
+        } else {
+            adapter.setTransactions(emptyList())
+            binding.emptyView.visibility = View.GONE
+        }
+        loadNextPages()
+    }
+
     private fun loadNextPages() {
         val activeStates = accountStates.filter { it.hasMore() }
         if (isLoading || activeStates.isEmpty()) return
@@ -155,8 +186,16 @@ class TransferHistoryFragment : Fragment() {
         val app = requireActivity().application as BasedBankApp
 
         lifecycleScope.launch {
+            val bannerMsg = java.util.concurrent.atomic.AtomicReference<String?>(null)
+            fun trackError(e: Exception) {
+                when {
+                    e is java.io.IOException -> bannerMsg.compareAndSet(null, "IO")
+                    e is BankServerException -> bannerMsg.compareAndSet(null, "SERVER:${e.bankName}")
+                }
+            }
+
             val newTransactions = withContext(Dispatchers.IO) {
-                val results = mutableListOf<Transaction>()
+                val results = mutableListOf<BankTransaction>()
 
                 // BML accounts: fetch in parallel
                 val bmlStates = activeStates.filter { it.account.bank == "BML" }
@@ -164,13 +203,13 @@ class TransferHistoryFragment : Fragment() {
                     async {
                         try {
                             when {
-                                state.account.profileType == "BML_PREPAID" || state.account.profileType == "BML_CREDIT" -> {
+                                state.account.profileType == "BML_PREPAID" || state.account.profileType == "BML_CREDIT" || state.account.profileType == "BML_DEBIT" -> {
                                     val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
                                     val cal = Calendar.getInstance()
                                     cal.add(Calendar.MONTH, -state.cardMonthOffset)
                                     val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
                                     state.cardMonthOffset++
-                                    BmlLoginFlow().fetchCardHistory(
+                                    BmlHistoryClient().fetchCardHistory(
                                         session = session,
                                         cardId = state.account.internalId,
                                         accountDisplayName = state.account.accountBriefName,
@@ -180,7 +219,7 @@ class TransferHistoryFragment : Fragment() {
                                 }
                                 else -> {
                                     val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
-                                    val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
+                                    val (list, totalPages) = BmlHistoryClient().fetchAccountHistory(
                                         session = session,
                                         accountId = state.account.internalId,
                                         accountDisplayName = state.account.accountBriefName,
@@ -192,7 +231,7 @@ class TransferHistoryFragment : Fragment() {
                                     list
                                 }
                             }
-                        } catch (_: Exception) { emptyList<Transaction>() }
+                        } catch (e: Exception) { trackError(e); emptyList<BankTransaction>() }
                     }
                 }.awaitAll().flatten())
 
@@ -201,9 +240,7 @@ class TransferHistoryFragment : Fragment() {
                 for (state in fahipayStates) {
                     val session = app.fahipaySessionFor(state.account) ?: continue
                     try {
-                        val flow = FahipayLoginFlow()
-                        flow.setSessionCookie(session.sessionCookie)
-                        val (list, total) = flow.fetchHistory(
+                        val (list, total) = FahipayHistoryClient().fetchHistory(
                             session = session,
                             accountDisplayName = state.account.accountBriefName,
                             accountNumber = state.account.accountNumber,
@@ -212,7 +249,7 @@ class TransferHistoryFragment : Fragment() {
                         if (total > 0) state.fahipayTotal = total
                         state.fahipayNextStart += list.size
                         results.addAll(list)
-                    } catch (_: Exception) {}
+                    } catch (e: Exception) { trackError(e) }
                 }
 
                 // MIB accounts: serialized per profile, protected by mutex to prevent session race
@@ -221,23 +258,25 @@ class TransferHistoryFragment : Fragment() {
                     val session = app.mibSessions[loginId] ?: continue
                     for ((profileId, states) in loginStates.groupBy { it.account.profileId }) {
                         app.mibMutex.withLock {
-                            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-                            val profile = profiles.firstOrNull { it.profileId == profileId }
-                            if (profile != null) app.mibFlowFor(loginId).switchProfile(session, profile)
-                            for (state in states) {
-                                try {
-                                    val (list, total) = MibHistoryClient().fetchHistory(
-                                        session = session,
-                                        accountNo = state.account.accountNumber,
-                                        accountDisplayName = state.account.accountBriefName,
-                                        start = state.mibNextStart,
-                                        pageSize = pageSize
-                                    )
-                                    if (total > 0) state.mibTotalCount = total
-                                    state.mibNextStart += list.size.coerceAtLeast(pageSize)
-                                    results.addAll(list)
-                                } catch (_: Exception) {}
-                            }
+                            try {
+                                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                                val profile = profiles.firstOrNull { it.profileId == profileId }
+                                if (profile != null) app.mibFlowFor(loginId).switchProfile(session, profile)
+                                for (state in states) {
+                                    try {
+                                        val (list, total) = MibHistoryClient().fetchHistory(
+                                            session = session,
+                                            accountNo = state.account.accountNumber,
+                                            accountDisplayName = state.account.accountBriefName,
+                                            start = state.mibNextStart,
+                                            pageSize = pageSize
+                                        )
+                                        if (total > 0) state.mibTotalCount = total
+                                        state.mibNextStart += list.size.coerceAtLeast(pageSize)
+                                        results.addAll(list)
+                                    } catch (e: Exception) { trackError(e) }
+                                }
+                            } catch (e: Exception) { trackError(e) }
                         }
                     }
                 }
@@ -246,10 +285,21 @@ class TransferHistoryFragment : Fragment() {
             }
 
             isLoading = false
+            if (_binding == null) return@launch
+
+            val raw = bannerMsg.get()
+            when {
+                raw == null -> (activity as? HomeActivity)?.hideConnectivityBanner()
+                raw == "IO" -> (activity as? HomeActivity)?.showConnectivityBanner(getString(R.string.connectivity_no_internet))
+                raw.startsWith("SERVER:") -> (activity as? HomeActivity)?.showConnectivityBanner(
+                    getString(R.string.connectivity_server_error, raw.removePrefix("SERVER:"))
+                )
+            }
 
             if (!firstBatchDone) {
                 firstBatchDone = true
                 (activity as? HomeActivity)?.setRefreshing(false)
+                binding.swipeRefresh.isRefreshing = false
             }
 
             if (newTransactions.isNotEmpty()) {

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

@@ -1,7 +1,7 @@
 package sh.sar.basedbank.ui.home
 
 data class TransferReceiptData(
-    val isMib: Boolean,
+    val bank: String, // "MIB", "BML", etc.
     val amount: String,
     val currency: String,
     val fromLabel: String,

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

@@ -1,6 +1,10 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Dialog
+import android.content.ClipData
+import android.content.ClipboardManager
 import android.content.ContentValues
+import android.content.Context
 import android.content.Intent
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
@@ -46,7 +50,7 @@ class TransferReceiptFragment : Fragment() {
     private val receiptCard get() = _receiptCard!!
 
     companion object {
-        private const val ARG_IS_MIB              = "is_mib"
+        private const val ARG_BANK                 = "bank"
         private const val ARG_AMOUNT              = "amount"
         private const val ARG_CURRENCY            = "currency"
         private const val ARG_FROM_LABEL          = "from_label"
@@ -69,7 +73,7 @@ class TransferReceiptFragment : Fragment() {
         fun newInstance(data: TransferReceiptData, toAvatarBitmap: Bitmap?) = TransferReceiptFragment().apply {
             pendingToAvatarBitmap = toAvatarBitmap
             arguments = Bundle().apply {
-                putBoolean(ARG_IS_MIB,        data.isMib)
+                putString(ARG_BANK,           data.bank)
                 putString(ARG_AMOUNT,         data.amount)
                 putString(ARG_CURRENCY,       data.currency)
                 putString(ARG_FROM_LABEL,         data.fromLabel)
@@ -90,8 +94,8 @@ class TransferReceiptFragment : Fragment() {
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
-        val isMib = arguments?.getBoolean(ARG_IS_MIB, true) ?: true
-        return if (isMib) {
+        val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
+        return if (bank == "MIB") {
             val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
             bindMib(binding)
             _receiptCard = binding.receiptCard
@@ -105,6 +109,8 @@ class TransferReceiptFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        receiptCard.setOnClickListener { showFullScreenReceipt() }
+
         view.findViewById<MaterialButton>(R.id.btnDone).setOnClickListener {
             parentFragmentManager.popBackStack()
         }
@@ -150,6 +156,12 @@ class TransferReceiptFragment : Fragment() {
         binding.tvTransactionDate.text = args.getString(ARG_MIB_DATE, "")
         binding.tvValueDate.text       = args.getString(ARG_MIB_DATE, "")
         binding.tvPurpose.text         = args.getString(ARG_REMARKS, "")
+
+        copyOnLongClick(
+            binding.tvFromLabel, binding.tvToLabel, binding.tvAmount,
+            binding.tvReferenceNo, binding.tvToAccount, binding.tvToBank,
+            binding.tvTransactionDate, binding.tvValueDate, binding.tvPurpose
+        )
     }
 
     private fun loadProfileImage(hash: String, isProfile: Boolean, onLoaded: (Bitmap) -> Unit) {
@@ -201,6 +213,13 @@ class TransferReceiptFragment : Fragment() {
             binding.remarksDivider.visibility = View.VISIBLE
             binding.remarksRow.visibility     = View.VISIBLE
         }
+
+        copyOnLongClick(
+            binding.tvMessage, binding.tvMessageRow, binding.tvReference,
+            binding.tvTransactionDate, binding.tvFrom, binding.tvToName,
+            binding.tvToAccount, binding.tvAmountRow, binding.tvAmountValue,
+            binding.tvAmountCurrency, binding.tvRemarks
+        )
     }
 
     // ── Share / Save ──────────────────────────────────────────────────────────
@@ -310,6 +329,66 @@ class TransferReceiptFragment : Fragment() {
         return bm
     }
 
+    private fun showFullScreenReceipt() {
+        val ctx = requireContext()
+        val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
+        val dialog = Dialog(ctx, android.R.style.Theme_Black_NoTitleBar_Fullscreen)
+
+        val scrollView = android.widget.ScrollView(ctx).apply {
+            setBackgroundColor(Color.BLACK)
+        }
+
+        val cardView = if (bank == "MIB") {
+            val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
+            bindMib(binding)
+            binding.receiptCard
+        } else {
+            val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
+            bindBml(binding)
+            binding.receiptCard
+        }
+        (cardView.parent as? ViewGroup)?.removeView(cardView)
+        cardView.setOnClickListener { dialog.dismiss() }
+        scrollView.addView(cardView)
+        scrollView.setOnTouchListener { _, _ -> dialog.dismiss(); true }
+
+        dialog.setContentView(scrollView)
+
+        val actWin = requireActivity().window
+        val prevColor = actWin.statusBarColor
+        val insetsCtrl = androidx.core.view.WindowInsetsControllerCompat(actWin, actWin.decorView)
+        actWin.statusBarColor = Color.BLACK
+        insetsCtrl.isAppearanceLightStatusBars = false
+        dialog.setOnDismissListener {
+            actWin.statusBarColor = prevColor
+            val isLight = (resources.configuration.uiMode and
+                    android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
+                    android.content.res.Configuration.UI_MODE_NIGHT_NO
+            insetsCtrl.isAppearanceLightStatusBars = isLight
+        }
+        dialog.show()
+        dialog.window?.let { win ->
+            androidx.core.view.WindowCompat.setDecorFitsSystemWindows(win, false)
+            androidx.core.view.WindowInsetsControllerCompat(win, scrollView).apply {
+                hide(androidx.core.view.WindowInsetsCompat.Type.systemBars())
+                systemBarsBehavior = androidx.core.view.WindowInsetsControllerCompat.BEHAVIOR_SHOW_TRANSIENT_BARS_BY_SWIPE
+            }
+        }
+    }
+
+    private fun copyOnLongClick(vararg views: android.widget.TextView) {
+        for (tv in views) {
+            tv.setOnLongClickListener {
+                val text = tv.text?.toString()?.trim() ?: return@setOnLongClickListener false
+                if (text.isBlank()) return@setOnLongClickListener false
+                val cm = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+                cm.setPrimaryClip(ClipData.newPlainText("receipt", text))
+                Toast.makeText(requireContext(), "Copied", Toast.LENGTH_SHORT).show()
+                true
+            }
+        }
+    }
+
     override fun onResume() {
         super.onResume()
         requireActivity().title = "Receipt"

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

@@ -18,14 +18,20 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlActivationResult
 import sh.sar.basedbank.api.bml.BmlLoginFlow
+import sh.sar.basedbank.api.fahipay.FahipayAccountClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
+import sh.sar.basedbank.api.mib.MibProfileClient
 import sh.sar.basedbank.util.AccountCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.FragmentCredentialsBinding
 import sh.sar.basedbank.ui.home.HomeActivity
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
 
 class CredentialsFragment : Fragment() {
 
@@ -46,6 +52,11 @@ class CredentialsFragment : Fragment() {
     private var fahipayFlow: FahipayLoginFlow? = null
     private var fahipayAwaitingTotp = false
 
+    // BML multi-profile state
+    private var bmlFlow: BmlLoginFlow? = null
+    private var bmlLoginId: String = ""
+    private var bmlAccumulatedAccounts = mutableListOf<BankAccount>()
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
@@ -182,7 +193,7 @@ class CredentialsFragment : Fragment() {
                 store.saveMibCredentials(loginId, username, passwordHash, otpSeed)
                 withContext(Dispatchers.IO) {
                     flow.lastSession?.let { s ->
-                        val profile = flow.fetchPersonalProfile(s)
+                        val profile = MibProfileClient().fetchPersonalProfile(s)
                         if (profile != null) store.saveMibUserProfile(
                             loginId,
                             CredentialStore.MibUserProfile(
@@ -232,20 +243,72 @@ class CredentialsFragment : Fragment() {
         binding.progressBar.visibility = View.VISIBLE
         binding.btnLogin.isEnabled = false
 
-        val loginId = username
-        val flow = BmlLoginFlow()
+        bmlLoginId = username
+        bmlAccumulatedAccounts.clear()
+
+        val flow = BmlLoginFlow().also { bmlFlow = it }
+        val loginTag = "bml_$username"
+
         viewLifecycleOwner.lifecycleScope.launch {
             try {
-                val (session, accounts) = withContext(Dispatchers.IO) {
+                val profiles = withContext(Dispatchers.IO) {
                     flow.login(username, password, otpSeed)
                 }
+                if (profiles.isEmpty()) throw Exception("No profiles found for this account")
+
+                var hasBusinessProfiles = false
+                for (profile in profiles) {
+                    if (profile.profileType == "business") {
+                        hasBusinessProfiles = true
+                        continue  // skip — user can enable in Settings → Logins
+                    }
+                    val result = withContext(Dispatchers.IO) { flow.activateProfile(profile, loginTag) }
+                    if (result is BmlActivationResult.Success) {
+                        bmlAccumulatedAccounts += result.accounts
+                        val store = CredentialStore(requireContext())
+                        store.saveBmlProfileSession(profile.profileId, result.session.accessToken, result.session.deviceId)
+                        if (result.session.refreshToken.isNotBlank())
+                            store.saveBmlProfileRefreshToken(profile.profileId, result.session.refreshToken)
+                        if (result.session.expiresAt > 0)
+                            store.saveBmlProfileExpiresAt(profile.profileId, result.session.expiresAt)
+                        val app = requireActivity().application as BasedBankApp
+                        app.bmlSessions[profile.profileId] = result.session
+                    }
+                }
+
                 val store = CredentialStore(requireContext())
-                store.saveBmlCredentials(loginId, username, password, otpSeed)
-                store.saveBmlSession(loginId, session.accessToken, session.deviceId)
-                withContext(Dispatchers.IO) {
-                    val info = flow.fetchUserInfo(session)
-                    if (info != null) store.saveBmlUserProfile(
-                        loginId,
+                store.saveBmlCredentials(bmlLoginId, username, password, otpSeed)
+                store.saveBmlProfiles(bmlLoginId, profiles)
+                val app = requireActivity().application as BasedBankApp
+                app.bmlProfilesMap[bmlLoginId] = profiles
+                app.bmlLoginFlows[bmlLoginId] = flow
+
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+
+                finishBmlLogin(hasBusinessProfiles)
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+            }
+        }
+    }
+
+    private suspend fun finishBmlLogin(hasBusinessProfiles: Boolean = false) {
+        val store = CredentialStore(requireContext())
+        val accounts = bmlAccumulatedAccounts.toList()
+
+        // Fetch user profile info from any active session
+        val app = requireActivity().application as BasedBankApp
+        val anySession = app.anyBmlSessionFor(bmlLoginId)
+        if (anySession != null) {
+            withContext(Dispatchers.IO) {
+                val info = BmlAccountClient().fetchUserInfo(anySession)
+                if (info != null) {
+                    store.saveBmlUserProfile(
+                        bmlLoginId,
                         CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
@@ -255,24 +318,55 @@ class CredentialsFragment : Fragment() {
                             birthdate = info.birthdate
                         )
                     )
+                    // Single-profile accounts used username as a temporary profileId.
+                    // Replace it with the real BML customer ID so multi-login doesn't collide.
+                    val customerId = info.customerId
+                    if (customerId.isNotBlank()) {
+                        val profiles = store.loadBmlProfiles(bmlLoginId)
+                        val autoProfile = profiles.firstOrNull { it.autoActivated }
+                        if (autoProfile != null && autoProfile.profileId != customerId) {
+                            val oldId = autoProfile.profileId
+                            // Re-key session in memory and storage
+                            val session = app.bmlSessions.remove(oldId)
+                            if (session != null) {
+                                app.bmlSessions[customerId] = session
+                                val savedRefresh = store.loadBmlProfileRefreshToken(oldId)
+                                val savedExpiry = store.loadBmlProfileExpiresAt(oldId)
+                                store.clearBmlProfileSession(oldId)
+                                store.saveBmlProfileSession(customerId, session.accessToken, session.deviceId)
+                                if (session.refreshToken.isNotBlank())
+                                    store.saveBmlProfileRefreshToken(customerId, session.refreshToken)
+                                else if (savedRefresh != null)
+                                    store.saveBmlProfileRefreshToken(customerId, savedRefresh)
+                                val expiryToSave = if (session.expiresAt > 0) session.expiresAt else savedExpiry
+                                if (expiryToSave > 0) store.saveBmlProfileExpiresAt(customerId, expiryToSave)
+                            }
+                            // Update stored profile list with the real ID
+                            val updatedProfiles = profiles.map {
+                                if (it.autoActivated) it.copy(profileId = customerId) else it
+                            }
+                            store.saveBmlProfiles(bmlLoginId, updatedProfiles)
+                            app.bmlProfilesMap[bmlLoginId] = updatedProfiles
+                            // Update accounts to use real profileId
+                            bmlAccumulatedAccounts.replaceAll { acc ->
+                                if (acc.profileId == oldId) acc.copy(profileId = customerId) else acc
+                            }
+                        }
+                    }
                 }
-                AccountCache.saveBml(requireContext(), loginId, accounts)
-                val app = requireActivity().application as BasedBankApp
-                app.bmlSessions[loginId] = session
-                // Merge with any existing BML accounts from other logins
-                app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" } + accounts
-                app.accounts = app.accounts + accounts
-                val intent = Intent(requireContext(), HomeActivity::class.java)
-                intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
-                startActivity(intent)
-            } catch (e: Exception) {
-                binding.tvError.text = e.message ?: "Login failed"
-                binding.tvError.visibility = View.VISIBLE
-            } finally {
-                binding.progressBar.visibility = View.GONE
-                binding.btnLogin.isEnabled = true
             }
         }
+
+        AccountCache.saveBml(requireContext(), bmlLoginId, accounts)
+        app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$bmlLoginId" } + accounts
+        app.accounts = app.accounts.filter { it.loginTag != "bml_$bmlLoginId" } + accounts
+
+        if (hasBusinessProfiles) {
+            Toast.makeText(requireContext(), "Business profiles can be enabled in Settings → Logins", Toast.LENGTH_LONG).show()
+        }
+        val intent = Intent(requireContext(), HomeActivity::class.java)
+        intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+        startActivity(intent)
     }
 
     private fun attemptFahipayLogin() {
@@ -376,13 +470,13 @@ class CredentialsFragment : Fragment() {
         store: CredentialStore
     ) {
         val (profile, balance) = withContext(Dispatchers.IO) {
-            val p = flow.fetchProfile(session)
-            val b = flow.fetchBalance(session)
+            val p = FahipayAccountClient().fetchProfile(session)
+            val b = FahipayAccountClient().fetchBalance(session)
             Pair(p, b)
         }
         val loginId = profile.profileId
         val loginTag = "fahipay_$loginId"
-        val account = flow.buildAccount(profile, balance, loginTag)
+        val account = FahipayAccountClient().buildAccount(profile, balance, loginTag)
         store.saveFahipayCredentials(loginId, idCard, password)
         store.saveFahipaySession(loginId, session.authId, session.sessionCookie)
         store.saveFahipayUserProfile(

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

@@ -11,19 +11,19 @@ class OnboardingPagerAdapter(activity: FragmentActivity) : FragmentStateAdapter(
         OnboardingSlide(
             titleRes = R.string.onboarding_title_1,
             descRes = R.string.onboarding_desc_1,
-            iconRes = R.drawable.ic_launcher_foreground,
+            iconRes = R.drawable.ic_logo,
             isFirst = true
         ),
         OnboardingSlide(
             titleRes = R.string.onboarding_title_2,
             descRes = R.string.onboarding_desc_2,
-            iconRes = R.drawable.ic_launcher_foreground,
+            iconRes = R.drawable.ic_logo,
             isFirst = false
         ),
         OnboardingSlide(
             titleRes = R.string.onboarding_title_3,
             descRes = R.string.onboarding_desc_3,
-            iconRes = R.drawable.ic_launcher_foreground,
+            iconRes = R.drawable.ic_logo,
             isFirst = false,
             isLast = true
         )

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

@@ -215,9 +215,10 @@ class SecuritySetupFragment : Fragment() {
         val salt = ByteArray(16).also { SecureRandom().nextBytes(it) }
         val saltB64 = Base64.encodeToString(salt, Base64.NO_WRAP)
         val hash = pbkdf2(input, salt)
-        requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).edit()
+        val edit = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).edit()
             .putString("security_method", method)
-            .apply()
+        if (method == "pin") edit.putInt("pin_length", input.length)
+        edit.apply()
         CredentialStore(requireContext()).saveSecurityHash(saltB64, hash)
     }
 

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

@@ -3,7 +3,7 @@ package sh.sar.basedbank.util
 import android.content.Context
 import org.json.JSONArray
 import org.json.JSONObject
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 
 object AccountCache {
 
@@ -12,14 +12,14 @@ object AccountCache {
     private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
     private fun fahipayKey(loginId: String) = "fahipay_accounts_$loginId"
 
-    fun save(context: Context, accounts: List<MibAccount>) {
+    fun save(context: Context, accounts: List<BankAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
                 put("bank", acc.bank)
                 put("profileName", acc.profileName)
                 put("profileType", acc.profileType)
-                put("cifType", acc.cifType)
+                put("productCode", acc.productCode)
                 put("accountNumber", acc.accountNumber)
                 put("accountBriefName", acc.accountBriefName)
                 put("currencyName", acc.currencyName)
@@ -38,12 +38,13 @@ object AccountCache {
             .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun saveBml(context: Context, loginId: String, accounts: List<MibAccount>) {
+    fun saveBml(context: Context, loginId: String, accounts: List<BankAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
                 put("profileName", acc.profileName)
                 put("profileType", acc.profileType)
+                put("productCode", acc.productCode)
                 put("accountNumber", acc.accountNumber)
                 put("accountBriefName", acc.accountBriefName)
                 put("currencyName", acc.currencyName)
@@ -55,23 +56,25 @@ object AccountCache {
                 put("statusDesc", acc.statusDesc)
                 put("loginTag", acc.loginTag)
                 put("internalId", acc.internalId)
+                put("profileId", acc.profileId)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context, loginId: String): List<MibAccount> {
+    fun loadBml(context: Context, loginId: String): List<BankAccount> {
         val raw = context.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 o = arr.getJSONObject(i)
-                MibAccount(
+                BankAccount(
                     bank             = "BML",
                     profileName      = o.optString("profileName"),
                     profileType      = o.optString("profileType"),
+                    productCode      = o.optString("productCode", ""),
                     accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
                     currencyName     = o.optString("currencyName"),
@@ -83,16 +86,17 @@ object AccountCache {
                     statusDesc       = o.optString("statusDesc"),
                     profileImageHash = null,
                     loginTag         = o.optString("loginTag"),
-                    internalId       = o.optString("internalId", "")
+                    internalId       = o.optString("internalId", ""),
+                    profileId        = o.optString("profileId", "")
                 )
             }
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadBml(context: Context, loginIds: List<String>): List<MibAccount> =
+    fun loadBml(context: Context, loginIds: List<String>): List<BankAccount> =
         loginIds.flatMap { loadBml(context, it) }
 
-    fun saveFahipay(context: Context, loginId: String, accounts: List<MibAccount>) {
+    fun saveFahipay(context: Context, loginId: String, accounts: List<BankAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -115,14 +119,14 @@ object AccountCache {
             .edit().putString(fahipayKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadFahipay(context: Context, loginId: String): List<MibAccount> {
+    fun loadFahipay(context: Context, loginId: String): List<BankAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(fahipayKey(loginId), null) ?: return emptyList()
         return try {
             val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibAccount(
+                BankAccount(
                     bank             = "FAHIPAY",
                     profileName      = o.optString("profileName"),
                     profileType      = o.optString("profileType"),
@@ -143,14 +147,14 @@ object AccountCache {
         } catch (_: Exception) { emptyList() }
     }
 
-    fun loadFahipay(context: Context, loginIds: List<String>): List<MibAccount> =
+    fun loadFahipay(context: Context, loginIds: List<String>): List<BankAccount> =
         loginIds.flatMap { loadFahipay(context, it) }
 
     fun clear(context: Context) {
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit().clear().apply()
     }
 
-    fun load(context: Context): List<MibAccount> {
+    fun load(context: Context): List<BankAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_MIB, null) ?: return emptyList()
         return try {
@@ -158,11 +162,11 @@ object AccountCache {
             val arr = JSONArray(json)
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
-                MibAccount(
+                BankAccount(
                     bank             = o.optString("bank", "MIB"),
                     profileName      = o.optString("profileName"),
                     profileType      = o.optString("profileType"),
-                    cifType          = o.optString("cifType", ""),
+                    productCode      = o.optString("productCode", ""),
                     accountNumber    = o.optString("accountNumber"),
                     accountBriefName = o.optString("accountBriefName"),
                     currencyName     = o.optString("currencyName"),

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

@@ -1,13 +1,13 @@
 package sh.sar.basedbank.util
 
-import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.util.bmlapi.BmlHistoryParser
 import sh.sar.basedbank.util.fahipayapi.FahipayHistoryParser
 import sh.sar.basedbank.util.mibapi.MibHistoryParser
 
 object AccountHistoryParser {
 
-    fun from(account: MibAccount): AccountHistoryDisplay? = when (account.bank) {
+    fun from(account: BankAccount): AccountHistoryDisplay? = when (account.bank) {
         "BML"     -> BmlHistoryParser.displayData(account)
         "FAHIPAY" -> FahipayHistoryParser.displayData(account)
         "MIB"     -> MibHistoryParser.displayData(account)