# MIB Faisanet API

Reverse-engineered from `mv.com.mib.faisamobilex` (Faisanet Mobile Banking, React Native / Hermes bytecode v96).

[Play Store](https://play.google.com/store/apps/details?id=mv.com.mib.faisamobilex)

---

## Architecture

MIB uses **two completely separate backends**:

| Backend | Base URL | Auth | Used for |
|---|---|---|---|
| Encrypted API | `https://faisanet.mib.com.mv/faisamobilex_smvc/` | Blowfish + DH session key | Login, key exchange |
| WebView host | `https://faisamobilex-wv.mib.com.mv` | Session cookies | Accounts, history, transfers, contacts, cards, financing |

---

## Encrypted API

All calls to the encrypted API are `POST /` with `Content-Type: application/x-www-form-urlencoded; charset=utf-8` and form body:

```
sfunc=<function_code>&data=<url_encoded_base64_blowfish_ciphertext>
```

The request JSON is encrypted with Blowfish (ECB, PKCS5) before sending. The response body is also base64-encoded Blowfish ciphertext.

Two keys are used:

| Phase | Key |
|---|---|
| `sfunc=r` (initial key exchange) | `DEFAULT_KEY` (hardcoded in app) |
| All subsequent requests | DH-derived session key |

See [01-encryption.md](01-encryption.md) for full details.

---

## WebView Session Auth

After login, all data endpoints use cookie-based auth on `faisamobilex-wv.mib.com.mv`:

```
Cookie: mbmodel=IOS-1.0; xxid=<session_xxid>; IBSID=<session_xxid>; mbnonce=<nonceGenerator>; time-tracker=597
```

These values come from the login flow — `xxid` and `nonceGenerator` from the DH key exchange response.

**Cookie notes:**

- `time-tracker=597` is a **hardcoded constant** in the client. Every WebView client (transfers, contacts, cards, activity, etc.) sends the literal value `597` — it is not computed or rotated.
- `mbnonce` is the **unmodified `nonceGenerator` string** from the key-exchange response. It does **not** carry a freshly-computed per-request nonce. The actual per-request nonce (derived via the algorithm in [01-encryption.md](01-encryption.md)) only appears inside the encrypted payloads of `sfunc=n` calls on the encrypted API — WebView endpoints have no nonce field.

### WebView AJAX Headers

All AJAX `POST` calls also require:

```
X-Requested-With: XMLHttpRequest
Accept: */*
Origin: https://faisamobilex-wv.mib.com.mv
Content-Type: application/x-www-form-urlencoded; charset=UTF-8
```

The `Referer` value varies per endpoint (documented per endpoint). A few endpoints (notably activity history, [10-activity-history.md](10-activity-history.md)) omit both `Referer` and `Origin`.

---

## Session Expiry Detection

A MIB session is considered expired when **either** condition is met (`MibLoginFlow.kt:248-274`):

| Signal | Source |
|---|---|
| HTTP **`419`** status | Encrypted API or any WebView endpoint |
| JSON `reasonCode == "505"` in a decrypted response body | Encrypted API |

On detection the client auto-recovers by re-running the login flow using stored credentials, refreshes `xxid` + `nonceGenerator` in the in-flight payload, and retries the original request once. Callers receive the retried response transparently. If the recovery itself hits expiry again it surfaces a `SessionExpiredException`.

### WebView User-Agent

```
Mozilla/5.0 (Linux; Android {version}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36
```

---

## Documents

| # | File | Description |
|---|---|---|
| 1 | [01-encryption.md](01-encryption.md) | Blowfish encryption, DH key exchange, nonce computation |
| 2 | [02-login.md](02-login.md) | Device registration and regular login flows |
| 3 | [03-accounts.md](03-accounts.md) | Select profile, account balances |
| 4 | [04-history.md](04-history.md) | Transaction history |
| 5 | [05-cards.md](05-cards.md) | Debit card list |
| 6 | [06-financing.md](06-financing.md) | Financing deals |
| 7 | [07-profile.md](07-profile.md) | Personal profile (HTML scrape) |
| 8 | [08-transfer.md](08-transfer.md) | Account lookup and fund transfer |
| 9 | [09-contacts.md](09-contacts.md) | Beneficiary management |
| 10 | [10-activity-history.md](10-activity-history.md) | Activity / audit log |

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**Start here →** [01-encryption.md](01-encryption.md)