# Accounts & Balances

Account numbers and balances are returned by the **Select Profile** call (`routePath: P47`). For multi-profile users the `A41` login init call returns an empty `accountBalance` array and `P47` must be called for each profile to enumerate accounts.

> **Single-profile fast-path**: when the account has exactly one operating profile, the server returns `profileSelected: true`, `selectedProfileId`, and a populated `accountBalance` array directly in the `A41` response. In that case the `P47` call is **skipped** — see [02-login.md](02-login.md) and `MibLoginFlow.kt:150-184`.

---

## Select Profile — `sfunc=n`, `routePath: P47`

**Key**: session key (from `sfunc=i` response)

**Request**:
```json
{
  "sfunc": "n",
  "xxid": "<session xxid>",
  "data": {
    "profileType": "<profileType from A41 operatingProfiles>",
    "profileId": "<profileId from A41 operatingProfiles>",
    "nonce": "<computed nonce>",
    "appId": "<appId>",
    "sodium": "<random 20-bit int>",
    "routePath": "P47",
    "xxid": "<session xxid>"
  }
}
```

**Response**:
```json
{
  "success": true,
  "reasonCode": "101",
  "reasonText": "Profile Selected!",
  "landingPage": "0",
  "accountBalance": [ ... ],
  "accessRights": { ... },
  "services": []
}
```

To switch between profiles (personal ↔ business), call `P47` again with the other profile's `profileId` and `profileType`.

---

## Profiles (from `A41` response)

The `A41` login init response includes `operatingProfiles`:

```json
{
  "operatingProfiles": [
    {
      "profileId": "<profile ID>",
      "customerProfileId": "<customer profile ID>",
      "annexId": "<annex ID>",
      "customerId": "<customer ID>",
      "name": "<display name>",
      "cifType": "Individual",
      "customerImage": "<image hash>",
      "profileType": "0",
      "color": "<hex color>"
    }
  ]
}
```

| `profileType` | Meaning |
|---|---|
| `"0"` | Individual (personal) |
| `"1"` | Sole Proprietor (business) |

---

## `accountBalance` Array

Each element represents one account:

```json
{
  "cif": "<CIF number>",
  "accountNumber": "<full account number>",
  "accountBriefName": "<short label, e.g. 'SAR MVR - Savings'>",
  "template": "<display template ID>",
  "currencyCode": "<ISO 4217 numeric>",
  "currencyName": "<ISO 4217 alpha>",
  "accountTypeName": "<account type label>",
  "transfer": "Y",
  "branchName": "<branch name>",
  "availableBalance": "<decimal string>",
  "currentBalance": "<decimal string>",
  "blockedAmount": "<decimal string, may be negative>",
  "settlementBalance": "<decimal string>",
  "mvrBalance": "<MVR equivalent>",
  "statusDesc": "Active"
}
```

| Field | Consumed | Description |
|---|---|---|
| `accountNumber` | yes | Full account number |
| `accountBriefName` | yes | Human-readable account label |
| `currencyName` | yes | ISO 4217 alpha (e.g. `"MVR"`, `"USD"`) |
| `accountTypeName` | yes | Account type (e.g. `"Saving Account"`) |
| `availableBalance` | yes | Spendable balance (decimal string) |
| `currentBalance` | yes | Ledger balance (decimal string) |
| `blockedAmount` | yes | Held/blocked funds. Server value is **signed** (negative = held). The app normalizes to a positive magnitude via `absBlockedAmount()` (`MibLoginFlow.kt:172, 194-197`). |
| `mvrBalance` | yes | All balances converted to MVR for unified display |
| `statusDesc` | yes | Account status (e.g. `"Active"`) |
| `currencyCode` | server-only | ISO 4217 numeric (e.g. `"462"` = MVR, `"840"` = USD) — present in payload but not read by the app |
| `transfer` | server-only | `"Y"` if usable as transfer source |
| `cif` | server-only | Customer Information File number |
| `template` | server-only | UI template ID |
| `branchName` | server-only | Branch name |
| `settlementBalance` | server-only | Balance including pending settlements |

> All balance fields are **decimal strings**, not numbers — parse with `Decimal` for precision.

---

## `accessRights`

```json
{
  "numAccounts": "<number of accounts>",
  "packageRights": "[1,2,3,4,6,7,8,9,10,11,12]",
  "roleRights": "[]"
}
```

`packageRights` is a JSON array encoded as a string — parse it separately.

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