release v1.0.25 - idk numbers

.gitea/workflows/build-apk.yml

@@ -17,6 +17,8 @@ jobs:
         run: |
           echo "${{ secrets.KEYSTORE_BASE64 }}" | tr -d '\n' | base64 -d > app/key.jks
           echo "${{ secrets.DOTENV_BASE64 }}" | tr -d '\n' | base64 -d > .build/release/.env
+          echo "ACCOUNT_MVR=${{ vars.ACCOUNT_MVR }}" >> .build/release/.env
+          echo "ACCOUNT_USD=${{ vars.ACCOUNT_USD }}" >> .build/release/.env
 
       - name: Build APK
         working-directory: .build/release

.gitignore

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

.idea/deploymentTargetSelector.xml

@@ -4,10 +4,10 @@
     <selectionStates>
       <SelectionState runConfigName="app">
         <option name="selectionMode" value="DROPDOWN" />
-        <DropdownSelection timestamp="2026-06-03T08:28:30.389803148Z">
+        <DropdownSelection timestamp="2026-06-13T17:53:06.478193524Z">
           <Target type="DEFAULT_BOOT">
             <handle>
-              <DeviceId pluginId="Default" identifier="serial=10.0.1.245:5555;connection=d182cf37" />
+              <DeviceId pluginId="PhysicalDevice" identifier="serial=a703e092" />
             </handle>
           </Target>
         </DropdownSelection>

README.md

@@ -30,6 +30,9 @@ API reverse-engineering notes and app internals are in [`docs/`](docs/README.md)
 
 This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by MIB, BML, or Fahipay. Use at your own risk. Review the source code before entering your banking credentials.
 
+## Contributing
+
+<blockquote class="twitter-tweet"><p lang="en" dir="ltr">Talk is cheap, send patches.</p>&mdash; FFmpeg (@FFmpeg) <a href="https://x.com/FFmpeg/status/1762805900035686805?ref_src=twsrc%5Etfw">February 28, 2024</a></blockquote> 
 
 ## License
 

app/build.gradle.kts

@@ -1,8 +1,18 @@
+import java.util.Properties
+
 plugins {
     alias(libs.plugins.android.application)
     alias(libs.plugins.kotlin.android)
 }
 
+val localProps = Properties().also { props ->
+    val f = rootProject.file("local.properties")
+    if (f.exists()) props.load(f.inputStream())
+}
+
+fun localOrEnv(key: String, envKey: String) =
+    localProps.getProperty(key) ?: System.getenv(envKey) ?: ""
+
 android {
     namespace = "sh.sar.basedbank"
     compileSdk = 36
@@ -11,10 +21,13 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 15
-        versionName = "1.0.16"
+        versionCode = 26
+        versionName = "1.0.25"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
+
+        buildConfigField("String", "ACCOUNT_MVR", "\"${localOrEnv("account.mvr", "ACCOUNT_MVR")}\"")
+        buildConfigField("String", "ACCOUNT_USD", "\"${localOrEnv("account.usd", "ACCOUNT_USD")}\"")
     }
 
     signingConfigs {
@@ -49,6 +62,7 @@ android {
     }
     buildFeatures {
         viewBinding = true
+        buildConfig = true
     }
 }
 

app/src/main/AndroidManifest.xml

@@ -9,6 +9,10 @@
     <uses-permission android:name="android.permission.ACCESS_NETWORK_STATE" />
     <uses-permission android:name="android.permission.NFC" />
     <uses-permission android:name="android.permission.VIBRATE" />
+    <uses-permission android:name="android.permission.POST_NOTIFICATIONS" />
+    <uses-permission android:name="android.permission.FOREGROUND_SERVICE" />
+    <uses-permission android:name="android.permission.FOREGROUND_SERVICE_DATA_SYNC" />
+    <uses-permission android:name="android.permission.REQUEST_IGNORE_BATTERY_OPTIMIZATIONS" />
 
     <uses-feature android:name="android.hardware.nfc.hce" android:required="false" />
 
@@ -69,6 +73,11 @@
             android:launchMode="singleTop"
             android:theme="@style/Theme.BasedBank" />
 
+        <service
+            android:name=".service.NotificationPollingService"
+            android:exported="false"
+            android:foregroundServiceType="dataSync" />
+
         <service
             android:name=".nfc.BmlHostCardEmulatorService"
             android:exported="true"

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

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

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

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

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

@@ -41,7 +41,8 @@ class MainActivity : AppCompatActivity() {
         val onboardingDone = prefs.getBoolean("onboarding_done", false)
         val securitySet = prefs.getString("security_method", null) != null
         val store = CredentialStore(this)
-        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() || store.hasFahipayCredentials()
+        val hasCredentials = store.hasMibCredentials() || store.hasBmlCredentials() ||
+            store.hasFahipayCredentials() || store.hasMfaisaCredentials()
 
         // Image shared via "Scan to Pay" — decode QR here while we still hold the URI permission
         val shareQrText: String? = if (intent?.action == Intent.ACTION_SEND &&

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

@@ -14,9 +14,15 @@ internal fun newBmlApiClient(): OkHttpClient = OkHttpClient.Builder()
     .readTimeout(30, TimeUnit.SECONDS)
     .build()
 
+/**
+ * Headers are sent in the order (and with the names) BML's own app uses. `accept` is not optional:
+ * handled errors come back as JSON either way, but when a route throws (HTTP 500) the server
+ * renders the Internet Banking HTML page — under HTTP 200 — unless the request asks for JSON.
+ */
 internal fun bmlApiRequest(session: BmlSession, url: String): Request =
     Request.Builder().url(url)
-        .header("Authorization", "Bearer ${session.accessToken}")
-        .header("User-Agent", BML_USER_AGENT)
+        .header("accept", "application/json")
         .header("x-app-version", BML_APP_VERSION)
+        .header("user-agent", BML_USER_AGENT)
+        .header("authorization", "Bearer ${session.accessToken}")
         .build()

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

@@ -0,0 +1,55 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+import sh.sar.basedbank.api.models.BankServerException
+
+data class BmlCardActionResult(
+    val success: Boolean,
+    val message: String
+)
+
+class BmlCardClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Freezes or unfreezes a BML card.
+     * @param cardId BML card UUID (BankAccount.internalId)
+     * @param action "freeze" or "unfreeze"
+     */
+    fun setCardFreezeState(session: BmlSession, cardId: String, action: String): BmlCardActionResult {
+        val body = JSONObject().apply {
+            put("card", cardId)
+            put("action", action)
+        }.toString().toRequestBody("application/json".toMediaType())
+
+        val request = Request.Builder()
+            .url("$BML_BASE_URL/api/mobile/services/card/freeze")
+            .post(body)
+            .header("Authorization", "Bearer ${session.accessToken}")
+            .header("User-Agent", BML_USER_AGENT)
+            .header("x-app-version", BML_APP_VERSION)
+            .header("accept", "application/json")
+            .build()
+
+        val resp = client.newCall(request).execute()
+        val code = resp.code
+        val responseBody = resp.body?.string()
+        resp.close()
+        if (code == 401 || code == 419) throw AuthExpiredException()
+        if (code in 500..599) throw BankServerException("BML")
+        return try {
+            val json = JSONObject(responseBody ?: "")
+            val ok = json.optBoolean("success") && json.optInt("code") == 0
+            BmlCardActionResult(
+                success = ok,
+                message = json.optString("payload").ifBlank { json.optString("message") }
+            )
+        } catch (_: Exception) {
+            BmlCardActionResult(success = false, message = "")
+        }
+    }
+}

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

@@ -9,6 +9,12 @@ import sh.sar.basedbank.api.models.BankTransaction
 import java.text.SimpleDateFormat
 import java.util.Locale
 
+data class BmlCardHistoryResult(
+    val statement: List<BankTransaction>,
+    val outstanding: List<BankTransaction>,
+    val unbilled: List<BankTransaction>
+)
+
 class BmlHistoryClient {
 
     private val client = newBmlApiClient()
@@ -70,7 +76,7 @@ class BmlHistoryClient {
         accountDisplayName: String,
         accountNumber: String,
         month: String
-    ): List<BankTransaction> {
+    ): BmlCardHistoryResult {
         val body = """{"card":"$cardId","month":"$month"}"""
             .toRequestBody("application/json".toMediaType())
         val resp = client.newCall(
@@ -81,76 +87,56 @@ class BmlHistoryClient {
                 .build()
         ).execute()
         val code = resp.code
-        val json = resp.body?.string() ?: return emptyList()
+        val json = resp.body?.string() ?: return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
         resp.close()
         if (code == 401 || code == 419) throw AuthExpiredException()
         if (code in 500..599) throw BankServerException("BML")
         return try {
             val root = JSONObject(json)
-            if (!root.optBoolean("success")) return emptyList()
-            val payload = root.optJSONObject("payload") ?: return emptyList()
-            val result = mutableListOf<BankTransaction>()
+            if (!root.optBoolean("success")) return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
+            val payload = root.optJSONObject("payload")
+                ?: return BmlCardHistoryResult(emptyList(), emptyList(), emptyList())
 
-            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 outstanding = parseCardArray(
+                payload.optJSONObject("outstanding")?.optJSONArray("CardOutStdAuthDetails"),
+                idPrefix = "auth", accountNumber, accountDisplayName
+            )
+            val unbilled = parseCardArray(
+                payload.optJSONObject("unbilled")?.optJSONArray("CardUnbillTxnDetails"),
+                idPrefix = "unbilled", accountNumber, accountDisplayName
+            )
+            val statement = parseCardArray(
+                payload.optJSONArray("cardstatement"),
+                idPrefix = "stmt", accountNumber, accountDisplayName
+            )
 
-            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"
-                    ))
-                }
-            }
+            BmlCardHistoryResult(statement, outstanding, unbilled)
+        } catch (_: Exception) { BmlCardHistoryResult(emptyList(), emptyList(), emptyList()) }
+    }
 
-            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_${item.optString("TranRef", i.toString())}",
-                        date               = item.optString("TransDate", item.optString("TranDate", "")),
-                        description        = item.optString("TranDesc", item.optString("Description", "")).trim(),
-                        amount             = -item.optDouble("TranAmount", 0.0),
-                        currency           = item.optString("TranCcy", "MVR"),
-                        counterpartyName   = null,
-                        reference          = item.optString("TranRef").takeIf { it.isNotBlank() },
-                        accountNumber      = accountNumber,
-                        accountDisplayName = accountDisplayName,
-                        source             = "BML_CARD"
-                    ))
-                }
-            }
-            result
-        } catch (_: Exception) { emptyList() }
+    private fun parseCardArray(
+        arr: org.json.JSONArray?,
+        idPrefix: String,
+        accountNumber: String,
+        accountDisplayName: String
+    ): List<BankTransaction> {
+        if (arr == null) return emptyList()
+        return (0 until arr.length()).map { i ->
+            val item = arr.getJSONObject(i)
+            val ref = item.optString("TranApprCode")
+            BankTransaction(
+                id                 = "${idPrefix}_${ref.ifBlank { i.toString() }}",
+                date               = item.optString("DateTime"),
+                description        = item.optString("TranDesc").trim(),
+                amount             = item.optDouble("BillingAmount", 0.0),
+                currency           = item.optString("BillingCcy", "MVR"),
+                counterpartyName   = null,
+                reference          = ref.takeIf { it.isNotBlank() },
+                accountNumber      = accountNumber,
+                accountDisplayName = accountDisplayName,
+                source             = "BML_CARD"
+            )
+        }
     }
 
     fun fetchPendingHistory(

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

@@ -74,6 +74,13 @@ data class BmlQrPayInfo(
     val currency: String
 )
 
+/**
+ * The pay-request lookup answered `success: false` — [message] is BML's own wording, safe to show
+ * (e.g. code 103 "The payment request has expired", 112 "Unsupported payment link"). Network and
+ * parse failures stay plain exceptions so the generic message is used for those instead.
+ */
+class BmlQrPayLookupException(val code: Int, message: String) : Exception(message)
+
 data class BmlQrPayResult(
     val success: Boolean,
     val merchant: String = "",

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.api.bml
 
+import android.util.Base64
 import okhttp3.MediaType.Companion.toMediaType
 import okhttp3.Request
 import okhttp3.RequestBody.Companion.toRequestBody
@@ -10,17 +11,27 @@ 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).
+     * Resolves a BML QR to merchant details. [payTarget] is the QR URL, or for POS QRs the bare
+     * `35` → `20` → `01` reference.
+     *
+     * The key is Base64-encoded here without padding, as BML's own app sends it. The padded form
+     * resolves too, so this is parity rather than a requirement.
      */
-    fun lookupPayRequest(session: BmlSession, base64Url: String): BmlQrPayInfo {
+    fun lookupPayRequest(session: BmlSession, payTarget: String): BmlQrPayInfo {
+        val key = Base64.encodeToString(
+            payTarget.toByteArray(Charsets.UTF_8), Base64.NO_WRAP or Base64.NO_PADDING)
         val request = bmlApiRequest(session,
-            "$BML_BASE_URL/api/mobile/walletpayments/payrequest/$base64Url")
+            "$BML_BASE_URL/api/mobile/walletpayments/payrequest/$key")
         return client.newCall(request).execute().use { response ->
             val body = response.body?.string() ?: throw Exception("No response")
+            // A server-side error renders an HTML page under HTTP 200 rather than an error JSON.
+            if (!body.trimStart().startsWith("{"))
+                throw Exception("Unexpected non-JSON response (HTTP ${response.code})")
             val json = JSONObject(body)
             if (!json.optBoolean("success"))
-                throw Exception(json.optString("message").ifBlank { "Lookup failed" })
+                throw BmlQrPayLookupException(
+                    json.optInt("code"),
+                    json.optString("message").ifBlank { "Lookup failed" })
             val payload = json.getJSONObject("payload")
             val addr2 = payload.optString("narrative2").trim()
             val addr3 = payload.optString("narrative3").trim()

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

@@ -71,7 +71,8 @@ class BmlValidateClient {
                 originalInput  = account,
                 name           = root.optString("name"),
                 alias          = null,
-                currency       = "MVR",
+                // BML's MIB verify endpoint doesn't return the MIB account's currency.
+                currency       = "",
                 agnt           = root.optString("agnt").takeIf { it.isNotBlank() }
             )
         } catch (_: Exception) { null }

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -10,7 +10,7 @@ import java.text.SimpleDateFormat
 import java.util.Locale
 import java.util.concurrent.TimeUnit
 
-private val SKIP_TYPES = setOf("Switch Profile")
+private val SKIP_TYPES = setOf("Switch Profile", "Log in")
 private const val MIB_WV_URL = "https://faisamobilex-wv.mib.com.mv"
 
 class MibActivityHistoryClient {
@@ -117,7 +117,7 @@ class MibActivityHistoryClient {
         session: MibSession,
         loginId: String,
         minCount: Int = 5,
-        pageSize: Int = 30
+        pageSize: Int = 100
     ): FetchResult {
         val accumulated = mutableListOf<AppNotification>()
         var start = 1

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

@@ -7,10 +7,18 @@ import okhttp3.Request
 import org.json.JSONObject
 import java.util.concurrent.TimeUnit
 
+data class MibCardActionResult(
+    val success: Boolean,
+    val message: String,
+    val currentStatusCode: String
+)
+
 class MibCardsClient {
 
     private val BASE_WV_URL = "https://faisamobilex-wv.mib.com.mv"
 
+    private val USER_AGENT = "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36"
+
     private val client = OkHttpClient.Builder()
         .connectTimeout(20, TimeUnit.SECONDS)
         .readTimeout(20, TimeUnit.SECONDS)
@@ -20,7 +28,7 @@ class MibCardsClient {
         "mbmodel=IOS-1.0; xxid=${session.xxid}; IBSID=${session.xxid}; " +
         "mbnonce=${session.nonceGenerator}; time-tracker=597"
 
-    fun fetchCards(session: MibSession, loginTag: String): List<MibCard> {
+    fun fetchCards(session: MibSession, loginTag: String, profileId: String = ""): List<MibCard> {
         val body = FormBody.Builder()
             .add("name", "")
             .add("start", "1")
@@ -32,7 +40,7 @@ class MibCardsClient {
             .url("$BASE_WV_URL/ajaxDebitCard/fetchCardInfos")
             .post(body)
             .header("Cookie", cookieHeader(session))
-            .header("User-Agent", "Mozilla/5.0 (Linux; Android ${Build.VERSION.RELEASE}; wv) AppleWebKit/537.36 (KHTML, like Gecko) Version/4.0 Chrome/129.0.6668.70 Mobile Safari/537.36")
+            .header("User-Agent", USER_AGENT)
             .header("X-Requested-With", "XMLHttpRequest")
             .header("Accept", "*/*")
             .header("Origin", BASE_WV_URL)
@@ -55,9 +63,42 @@ class MibCardsClient {
                     customerId = item.optString("customerId"),
                     phoneNumber = item.optString("phoneNumber"),
                     cardHolderName = item.optString("cardHolderName"),
-                    loginTag = loginTag
+                    loginTag = loginTag,
+                    profileId = profileId
                 )
             }
         }
     }
+
+    /** Freezes a MIB card. action = "freeze" or "unfreeze". */
+    fun setCardFreezeState(session: MibSession, cardId: String, action: String, comments: String): MibCardActionResult {
+        val body = FormBody.Builder()
+            .add("cardId", cardId)
+            .add("comments", comments)
+            .build()
+
+        val request = Request.Builder()
+            .url("$BASE_WV_URL/ajaxDebitCard/$action")
+            .post(body)
+            .header("Cookie", cookieHeader(session))
+            .header("User-Agent", USER_AGENT)
+            .header("X-Requested-With", "XMLHttpRequest")
+            .header("Accept", "*/*")
+            .header("Origin", BASE_WV_URL)
+            .header("Referer", "$BASE_WV_URL//debitCards/manage?cardId=$cardId&dashurl=1")
+            .build()
+
+        return client.newCall(request).execute().use { response ->
+            val bodyStr = response.body?.string()
+                ?: return MibCardActionResult(false, "", "")
+            val json = try { JSONObject(bodyStr) } catch (_: Exception) {
+                return MibCardActionResult(false, "", "")
+            }
+            MibCardActionResult(
+                success = json.optBoolean("success"),
+                message = json.optString("reasonText"),
+                currentStatusCode = json.optString("currentStatusCode")
+            )
+        }
+    }
 }

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

@@ -73,7 +73,7 @@ class MibHistoryClient {
                     id = item.optString("trxNumber"),
                     date = item.optString("trxDate"),
                     description = item.optString("descr1").trim(),
-                    amount = item.optString("baseAmount", "0").toDoubleOrNull() ?: 0.0,
+                    amount = item.optString("foreignAmount", "0").toDoubleOrNull() ?: 0.0,
                     currency = item.optString("curCodeDesc"),
                     counterpartyName = item.optString("benefName").takeIf {
                         it.isNotBlank() && it != "null"

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

@@ -42,7 +42,8 @@ data class MibTransferResult(
 data class MibIpsAccountInfo(
     val accountName: String,
     val accountNumber: String,
-    val bankId: String
+    val bankId: String,
+    val currency: String = ""  // "MVR", "USD", or "" if unknown
 )
 
 
@@ -55,7 +56,8 @@ data class MibCard(
     val customerId: String,
     val phoneNumber: String,
     val cardHolderName: String,
-    val loginTag: String
+    val loginTag: String,
+    val profileId: String = ""
 )
 
 data class MibFinanceDeal(

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

@@ -130,7 +130,10 @@ class MibTransferClient {
             MibIpsAccountInfo(
                 accountName = json.optString("accountName").trim(),
                 accountNumber = accountNumber,
-                bankId = json.optString("bankBic")
+                bankId = json.optString("bankBic"),
+                // MIB IPS only returns success for MVR cross-bank accounts;
+                // USD cross-bank accounts fail this lookup entirely.
+                currency = "MVR"
             )
         }
     }
@@ -156,10 +159,18 @@ class MibTransferClient {
             // accountName may be at root or inside a "data" object
             val name = json.optString("accountName").takeIf { it.isNotBlank() }
                 ?: json.optJSONObject("data")?.optString("accountName") ?: ""
+            val currencyCode = json.optString("currencyCode").takeIf { it.isNotBlank() }
+                ?: json.optJSONObject("data")?.optString("currencyCode") ?: ""
+            val currency = when (currencyCode) {
+                "840" -> "USD"
+                "462" -> "MVR"
+                else  -> ""
+            }
             MibIpsAccountInfo(
                 accountName = name.trim(),
                 accountNumber = accountNumber,
-                bankId = "MADVMVMV"  // MIB
+                bankId = "MADVMVMV",  // MIB
+                currency = currency
             )
         }
     }

app/src/main/java/sh/sar/basedbank/service/NotificationPollingService.kt

@@ -0,0 +1,174 @@
+package sh.sar.basedbank.service
+
+import android.app.Notification
+import android.app.NotificationChannel
+import android.app.NotificationManager
+import android.app.PendingIntent
+import android.app.Service
+import android.content.Intent
+import android.os.IBinder
+import kotlinx.coroutines.CoroutineScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.SupervisorJob
+import kotlinx.coroutines.cancel
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.isActive
+import kotlinx.coroutines.launch
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlNotificationsClient
+import sh.sar.basedbank.api.mib.MibActivityHistoryClient
+import sh.sar.basedbank.ui.home.AppNotification
+import sh.sar.basedbank.util.NotificationsCache
+import java.util.concurrent.atomic.AtomicInteger
+
+class NotificationPollingService : Service() {
+
+    private val scope = CoroutineScope(Dispatchers.IO + SupervisorJob())
+    private val app get() = application as BasedBankApp
+    private val notifIdCounter = AtomicInteger(2000)
+
+    override fun onBind(intent: Intent?): IBinder? = null
+
+    override fun onCreate() {
+        super.onCreate()
+        createChannels()
+        startForeground(SERVICE_NOTIF_ID, buildServiceNotification())
+        startPolling()
+    }
+
+    override fun onStartCommand(intent: Intent?, flags: Int, startId: Int): Int = START_STICKY
+
+    override fun onDestroy() {
+        scope.cancel()
+        super.onDestroy()
+    }
+
+    private fun startPolling() {
+        scope.launch {
+            while (isActive) {
+                runCatching { poll() }
+                delay(POLL_INTERVAL_MS)
+            }
+        }
+    }
+
+    private suspend fun poll() {
+        pollBml()
+        pollMib()
+    }
+
+    private suspend fun pollBml() {
+        val sessions = app.bmlSessions.toMap()
+        if (sessions.isEmpty()) return
+        val client = BmlNotificationsClient()
+        sessions.forEach { (loginId, session) ->
+            val result = try { client.fetchNotifications(session, loginId, page = 1) }
+                         catch (_: Exception) { return@forEach }
+            if (result.items.isEmpty()) return@forEach
+
+            val cached = NotificationsCache.loadBml(this@NotificationPollingService, loginId)
+            if (cached.isEmpty()) {
+                NotificationsCache.saveBml(this@NotificationPollingService, loginId, result.items)
+                return@forEach
+            }
+            val cachedIds = cached.map { it.id }.toSet()
+            val newItems = result.items.filter { it.id !in cachedIds }
+            if (newItems.isNotEmpty()) {
+                NotificationsCache.saveBml(this@NotificationPollingService, loginId, result.items)
+                val channelId = ensureLoginChannel("BML", loginId)
+                newItems.forEach { postBankNotification(it, channelId) }
+            }
+        }
+    }
+
+    private suspend fun pollMib() {
+        val sessions = app.mibSessions.toMap()
+        if (sessions.isEmpty()) return
+        val client = MibActivityHistoryClient()
+        sessions.forEach { (loginId, session) ->
+            val result = try { client.fetchActivity(session, loginId, 1, 100) }
+                         catch (_: Exception) { return@forEach }
+
+            val readIds = NotificationsCache.getMibReadIds(this@NotificationPollingService)
+            val cached = NotificationsCache.loadMib(this@NotificationPollingService, loginId, readIds)
+            if (cached.isEmpty()) {
+                NotificationsCache.saveMib(this@NotificationPollingService, loginId, result.items)
+                return@forEach
+            }
+            val cachedIds = cached.map { it.id }.toSet()
+            val newItems = result.items.filter { it.id !in cachedIds }
+            if (newItems.isNotEmpty()) {
+                val all = (cached + newItems).sortedByDescending { it.timestampMs }
+                NotificationsCache.saveMib(this@NotificationPollingService, loginId, all)
+                val channelId = ensureLoginChannel("MIB", loginId)
+                newItems.forEach { postBankNotification(it, channelId) }
+            }
+        }
+    }
+
+    private fun ensureLoginChannel(bank: String, loginId: String): String {
+        val channelId = "bank_${bank.lowercase()}_$loginId"
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        if (nm.getNotificationChannel(channelId) == null) {
+            val profileName = when (bank) {
+                "BML" -> app.bmlProfilesMap[loginId]?.firstOrNull()?.name
+                "MIB" -> app.mibProfilesMap[loginId]?.firstOrNull()?.name
+                else  -> null
+            } ?: loginId
+            nm.createNotificationChannel(
+                NotificationChannel(channelId, "$bank · $profileName", NotificationManager.IMPORTANCE_DEFAULT)
+            )
+        }
+        return channelId
+    }
+
+    private fun postBankNotification(notif: AppNotification, channelId: String) {
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        val pi = PendingIntent.getActivity(
+            this, 0,
+            packageManager.getLaunchIntentForPackage(packageName),
+            PendingIntent.FLAG_IMMUTABLE
+        )
+        val n = Notification.Builder(this, channelId)
+            .setSmallIcon(R.drawable.ic_bell)
+            .setContentTitle(notif.title)
+            .setContentText(notif.message)
+            .setContentIntent(pi)
+            .setAutoCancel(true)
+            .build()
+        nm.notify(notifIdCounter.getAndIncrement(), n)
+    }
+
+    private fun buildServiceNotification(): Notification {
+        val pi = PendingIntent.getActivity(
+            this, 0,
+            packageManager.getLaunchIntentForPackage(packageName),
+            PendingIntent.FLAG_IMMUTABLE
+        )
+        return Notification.Builder(this, CHANNEL_SERVICE)
+            .setSmallIcon(R.drawable.ic_bell)
+            .setContentTitle(getString(R.string.notif_service_title))
+            .setContentText(getString(R.string.notif_service_desc))
+            .setContentIntent(pi)
+            .setOngoing(true)
+            .build()
+    }
+
+    private fun createChannels() {
+        val nm = getSystemService(NOTIFICATION_SERVICE) as NotificationManager
+        nm.createNotificationChannel(
+            NotificationChannel(
+                CHANNEL_SERVICE,
+                getString(R.string.notif_channel_service),
+                NotificationManager.IMPORTANCE_MIN
+            ).apply { setShowBadge(false) }
+        )
+    }
+
+    companion object {
+        private const val POLL_INTERVAL_MS = 30_000L
+        private const val SERVICE_NOTIF_ID = 1001
+        const val CHANNEL_SERVICE = "notif_polling_service"
+    }
+}

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

@@ -74,9 +74,18 @@ class AccountHistoryAdapter(
     }
 
     fun setPendingTransactions(transactions: List<BankTransaction>) {
+        setLeadingSections(listOf("Pending" to transactions))
+    }
+
+    /**
+     * Sets one or more labeled sections that render above the main statement list
+     * (e.g. card "Outstanding" + "Unbilled"). Empty sections are skipped.
+     */
+    fun setLeadingSections(sections: List<Pair<String, List<BankTransaction>>>) {
         pendingItems.clear()
-        if (transactions.isNotEmpty()) {
-            pendingItems.add(Item.DateHeader("Pending"))
+        for ((label, transactions) in sections) {
+            if (transactions.isEmpty()) continue
+            pendingItems.add(Item.DateHeader(label))
             for (trx in transactions) pendingItems.add(Item.Trx(trx, showDate = true))
         }
         notifyDataSetChanged()

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

@@ -84,9 +84,10 @@ class AccountHistoryFragment : Fragment() {
         adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
         viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
 
-        // Show default account toggle only for non-card accounts
+        // Show default account toggle only for non-card, non-M-Faisa accounts.
+        // M-Faisa pockets (including PayPal) cannot be set as the default transfer/QR account.
         val isCard = AccountListParser.from(account)?.isCard ?: false
-        if (!isCard) {
+        if (!isCard && account.bank != "MFAISA") {
             val store = CredentialStore(requireContext())
             adapter.showDefaultToggle = true
             adapter.isDefaultAccount = store.getDefaultAccountNumber() == account.accountNumber
@@ -228,6 +229,13 @@ class AccountHistoryFragment : Fragment() {
             }
             (activity as? HomeActivity)?.hideConnectivityBanner()
 
+            fetcher.takeCardPendingSections()?.let { (outstanding, unbilled) ->
+                adapter.setLeadingSections(listOf(
+                    "Outstanding" to outstanding,
+                    "Unbilled" to unbilled
+                ))
+            }
+
             if (transactions.isNotEmpty()) {
                 val existingIds = allTransactions.map { it.id }.toHashSet()
                 val newOnes = transactions.filter { it.id !in existingIds }

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

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

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

@@ -89,6 +89,52 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
             categories = cats.filter { it.id != "BML" }
             if (selectedDest?.isBml == false) setupCategoryDropdown()
         }
+
+        applyPrefillArgs()
+    }
+
+    private fun applyPrefillArgs() {
+        val args = arguments ?: return
+        val bmlProfileId = args.getString(ARG_BML_PROFILE_ID)
+        val accountNumber = args.getString(ARG_ACCOUNT_NUMBER)
+        val recipientName = args.getString(ARG_RECIPIENT_NAME)
+        val currency = args.getString(ARG_CURRENCY)
+
+        if (bmlProfileId != null) {
+            val match = destinations.firstOrNull { it.isBml && it.bmlLoginId == bmlProfileId }
+            if (match != null) {
+                selectedDest = match
+                binding.actvDestination.setText(match.label, false)
+                updateMibOnlyVisibility()
+            }
+        }
+
+        if (accountNumber != null) {
+            binding.etAccount.setText(accountNumber)
+        }
+
+        // Skip lookup only when we have a MIB-verified name+currency from the caller.
+        if (selectedDest != null && accountNumber != null &&
+            !recipientName.isNullOrBlank() && !currency.isNullOrBlank()
+        ) {
+            val bankBic = when {
+                accountNumber.matches(Regex("^9\\d{16}$")) -> "MADVMVMV"
+                accountNumber.matches(Regex("^7\\d{12}$")) -> "MALBMVMV"
+                else -> ""
+            }
+            val trnType = if (accountNumber.matches(Regex("^9\\d{16}$"))) "DOT" else "IAT"
+            val validation = BmlAccountValidation(
+                trnType = trnType,
+                validationType = "prefilled",
+                account = accountNumber,
+                originalInput = accountNumber,
+                name = recipientName,
+                alias = null,
+                currency = currency,
+                agnt = bankBic.takeIf { it.isNotBlank() }
+            )
+            showLookupResult(validation, accountNumber)
+        }
     }
 
     private fun buildDestinations(): List<DestinationOption> {
@@ -517,5 +563,24 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     companion object {
         // BML's internal UUID for MIB bank — used as the "swift" field when saving DOT contacts
         private const val MIB_SWIFT_ON_BML = "F4E79935-3E73-E611-80DD-00155D020F0A"
+
+        private const val ARG_BML_PROFILE_ID = "bml_profile_id"
+        private const val ARG_ACCOUNT_NUMBER = "account_number"
+        private const val ARG_RECIPIENT_NAME = "recipient_name"
+        private const val ARG_CURRENCY = "currency"
+
+        fun newInstance(
+            bmlProfileId: String? = null,
+            accountNumber: String? = null,
+            recipientName: String? = null,
+            currency: String? = null
+        ) = AddContactSheetFragment().apply {
+            arguments = Bundle().apply {
+                if (bmlProfileId != null) putString(ARG_BML_PROFILE_ID, bmlProfileId)
+                if (accountNumber != null) putString(ARG_ACCOUNT_NUMBER, accountNumber)
+                if (recipientName != null) putString(ARG_RECIPIENT_NAME, recipientName)
+                if (currency != null) putString(ARG_CURRENCY, currency)
+            }
+        }
     }
 }

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

@@ -5,7 +5,6 @@ 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
@@ -128,7 +127,6 @@ class BmlQrPayFragment : Fragment() {
     }
 
     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()
@@ -141,7 +139,7 @@ class BmlQrPayFragment : Fragment() {
 
         viewLifecycleOwner.lifecycleScope.launch {
             val info = withContext(Dispatchers.IO) {
-                try { BmlQrPayClient().lookupPayRequest(session, base64Url) }
+                try { BmlQrPayClient().lookupPayRequest(session, qrUrl) }
                 catch (_: Exception) { null }
             }
             if (_binding == null) return@launch

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

@@ -151,7 +151,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         viewModel.accounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
         viewModel.hideAmounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
 
-        (activity as? HomeActivity)?.triggerRefresh()
+        (activity as? HomeActivity)?.loadAllContacts()
     }
 
     private fun attachMediator(pages: List<TabDef>) {
@@ -172,6 +172,10 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 bundle.putString(KEY_SUBTITLE, "BML QR Merchant")
                 bundle.putString(KEY_COLOR, "#0066A1")
             }
+            accountNumber.startsWith("mfaisaqr:") -> {
+                bundle.putString(KEY_SUBTITLE, "M-Faisa QR Merchant")
+                bundle.putString(KEY_COLOR, "#ED1C24")
+            }
             account != null -> {
                 bundle.putString(KEY_SUBTITLE, "${account.accountNumber} · ${account.currencyName} ${account.availableBalance}")
                 bundle.putString(KEY_COLOR, "#FE860E")
@@ -195,6 +199,17 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val hide = viewModel.hideAmounts.value ?: false
         val items = mutableListOf<ContactPickerAdapter.PickerItem>()
 
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
+        val fromCurrency = fromAccount?.currencyName ?: ""
+        val fromLoginTag = fromAccount?.loginTag ?: ""
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
+        val fromIsMfaisa = fromAccount?.bank == "MFAISA"
+        // TODO: when M-Faisa-supported contacts are wired up, swap this for a per-row check
+        //       (e.g. is the recipient also an M-Faisa wallet) instead of disabling everything.
+        val mfaisaInactive = if (fromIsMfaisa) "Unsupported recipient from M-Faisa" else null
+
         if (tabTag == RECENTS_TAG) {
             val recents = RecentsCache.load(requireContext())
             val filtered = if (search.isBlank()) recents else recents.filter {
@@ -208,19 +223,15 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                     subtitle      = r.subtitle,
                     colorHex      = r.colorHex,
                     isSameAsFrom  = r.accountNumber == fromAccountNumber,
-                    imageHash     = r.imageHash
+                    imageHash     = r.imageHash,
+                    // A MFAISA-tagged recent is itself a valid M-Faisa recipient — don't grey it out
+                    // when the source is M-Faisa.
+                    inactiveReason = if (r.bank == "MFAISA") null else mfaisaInactive
                 ))
             }
             return items
         }
 
-        val accounts = viewModel.accounts.value ?: emptyList()
-        val contacts = viewModel.contacts.value ?: emptyList()
-        val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
-        val fromCurrency = fromAccount?.currencyName ?: ""
-        val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT" || fromAccount?.profileType == "BML_DEBIT"
-
         if (tabTag == MY_ACCOUNTS_TAG) {
             val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" }
             val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
@@ -251,9 +262,12 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (fromIsCard && acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null && acc.bank != "MFAISA" -> mfaisaInactive
+                            fromIsCard && acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -283,10 +297,13 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                         colorHex      = "#FE860E",
                         isSameAsFrom  = isSame,
                         imageHash     = acc.profileImageHash ?: localKey?.let { "local:$it" },
-                        inactiveReason = if (isSame) null
-                            else if (!isActive) acc.statusDesc
-                            else if (acc.loginTag != fromLoginTag) "Cards can only be used within the same BML account"
-                            else currencyMismatchReason(fromCurrency, acc.currencyName),
+                        inactiveReason = when {
+                            isSame -> null
+                            mfaisaInactive != null -> mfaisaInactive
+                            !isActive -> acc.statusDesc
+                            acc.loginTag != fromLoginTag -> "Cards can only be used within the same BML account"
+                            else -> currencyMismatchReason(fromCurrency, acc.currencyName)
+                        },
                         balance       = balance,
                         bankLogoRes   = logoRes
                     ))
@@ -311,7 +328,7 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
                 colorHex      = contact.bankColor,
                 isSameAsFrom  = contact.benefAccount == fromAccountNumber,
                 imageHash     = contact.customerImgHash,
-                inactiveReason = currencyMismatchReason(fromCurrency, contact.transferCyDesc)
+                inactiveReason = mfaisaInactive ?: currencyMismatchReason(fromCurrency, contact.transferCyDesc)
             ))
         }
         return items

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

@@ -26,6 +26,7 @@ import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.NfcPaymentUtil
 import sh.sar.basedbank.util.PaymvQrParser
 import kotlin.math.abs
 import sh.sar.basedbank.databinding.FragmentDashboardBinding
@@ -42,10 +43,10 @@ class DashboardFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
         val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
-        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, cardNumber)
             )
         } else {
             val qr = PaymvQrParser.parse(raw)
@@ -115,12 +116,12 @@ class DashboardFragment : Fragment() {
             val credStore = CredentialStore(requireContext())
             val hidden = credStore.getHiddenDashboardCardNumbers()
             val mibItems = (viewModel.mibCards.value ?: emptyList())
-                .filter { !hidden.contains(it.maskedCardNumber) }
+                .filter { CardsFragment.isMibCardActive(it.cardStatus) && !hidden.contains(it.maskedCardNumber) }
                 .map { CardItem.Mib(it) }
             val bmlItems = (viewModel.accounts.value ?: emptyList())
                 .filter { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT") && it.statusDesc.equals("Active", ignoreCase = true) && !hidden.contains(it.accountNumber) }
                 .map { CardItem.Bml(it) }
-            val all = mibItems + bmlItems
+            val all = bmlItems + mibItems
             val defaultNum = credStore.getDefaultCardAccountNumber()
             val ordered = if (defaultNum != null) {
                 val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
@@ -426,11 +427,13 @@ class DashboardFragment : Fragment() {
                     if (isMib) {
                         Toast.makeText(requireContext(), R.string.mib_qr_nfc_not_supported, Toast.LENGTH_SHORT).show()
                     } else {
-                        val accountNumber = (item as CardItem.Bml).account.accountNumber
-                        (requireActivity() as HomeActivity).navigateTo(
-                            R.id.nav_pay_with_card,
-                            CardsFragment.newInstanceWithAutoTapMode(accountNumber)
-                        )
+                        NfcPaymentUtil.checkAndProceed(requireContext()) {
+                            val accountNumber = (item as CardItem.Bml).account.accountNumber
+                            (requireActivity() as HomeActivity).navigateTo(
+                                R.id.nav_pay_with_card,
+                                CardsFragment.newInstanceWithAutoTapMode(accountNumber)
+                            )
+                        }
                     }
                 }
             }

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

@@ -202,9 +202,9 @@ class HomeActivity : AppCompatActivity() {
         }
 
         // Load data
-        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty()) {
+        if (app.mibAccounts.isNotEmpty() || app.bmlAccounts.isNotEmpty() || app.fahipayAccounts.isNotEmpty() || app.mfaisaAccounts.isNotEmpty()) {
             // Came from fresh manual login — accounts ready, rest fetched in background
-            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts
+            val merged = app.mibAccounts + app.bmlAccounts + app.fahipayAccounts + app.mfaisaAccounts
             viewModel.accounts.value = merged.filterVisibleAccounts()
             if (app.mibAccounts.isNotEmpty()) AccountCache.save(this, app.mibAccounts)
             if (app.bmlAccounts.isNotEmpty()) {
@@ -215,6 +215,10 @@ class HomeActivity : AppCompatActivity() {
                 val byLoginId = app.fahipayAccounts.groupBy { it.loginTag.removePrefix("fahipay_") }
                 byLoginId.forEach { (loginId, accs) -> AccountCache.saveFahipay(this, loginId, accs) }
             }
+            if (app.mfaisaAccounts.isNotEmpty()) {
+                val byLoginId = app.mfaisaAccounts.groupBy { it.loginTag.removePrefix("mfaisa_") }
+                byLoginId.forEach { (loginId, accs) -> AccountCache.saveMfaisa(this, loginId, accs) }
+            }
 
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -238,7 +242,8 @@ class HomeActivity : AppCompatActivity() {
             val cachedMib = AccountCache.load(this)
             val cachedBml = AccountCache.loadBml(this, store.getBmlLoginIds())
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
-            val merged = cachedMib + cachedBml + cachedFahipay
+            val cachedMfaisa = AccountCache.loadMfaisa(this, store.getMfaisaLoginIds())
+            val merged = cachedMib + cachedBml + cachedFahipay + cachedMfaisa
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedCards = CardsCache.load(this)
             if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
@@ -523,9 +528,9 @@ fun applyNavLabelVisibility() {
 
     private fun routeSharedQrText(text: String) {
         val store = CredentialStore(this)
-        val bmlUrl = sh.sar.basedbank.util.PaymvQrParser.extractBmlGatewayUrl(text)
-        if (text.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
-            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: text, store.getDefaultCardAccountNumber()))
+        val bmlTarget = sh.sar.basedbank.util.PaymvQrParser.bmlQrPayTarget(text)
+        if (bmlTarget != null) {
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, store.getDefaultCardAccountNumber()))
             return
         }
         val qr = sh.sar.basedbank.util.PaymvQrParser.parse(text)
@@ -695,17 +700,20 @@ fun applyNavLabelVisibility() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) {
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
         }
         // Immediately drop accounts for logged-out logins from the displayed list
         val current = viewModel.accounts.value ?: emptyList()
+        val mfaisaLoginIdsForFilter = store.getMfaisaLoginIds()
         viewModel.accounts.value = current.filter { acc ->
             if (acc.bank == "MIB") return@filter acc.loginTag.removePrefix("mib_") in mibLoginIds
             if (acc.bank == "BML") return@filter acc.loginTag.removePrefix("bml_") in bmlLoginIds
             if (acc.bank == "FAHIPAY") return@filter acc.loginTag.removePrefix("fahipay_") in fahipayLoginIds
+            if (acc.bank == "MFAISA") return@filter acc.loginTag.removePrefix("mfaisa_") in mfaisaLoginIdsForFilter
             true
         }
         autoRefresh(store)
@@ -724,7 +732,8 @@ fun applyNavLabelVisibility() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
-        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty()) return
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
+        if (mibLoginIds.isEmpty() && bmlLoginIds.isEmpty() && fahipayLoginIds.isEmpty() && mfaisaLoginIds.isEmpty()) return
         binding.refreshIndicator.visibility = View.VISIBLE
         hideConnectivityBanner()
 
@@ -898,17 +907,58 @@ fun applyNavLabelVisibility() {
                 }
             }
 
+            // One async job per M-Faisa login, all run in parallel.
+            // M-Faisa has no session refresh — sessions expire after ~240s — so we re-login each refresh.
+            val mfaisaJobs = mfaisaLoginIds.mapNotNull { loginId ->
+                val creds = store.loadMfaisaCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
+                    val loginTag = "mfaisa_$loginId"
+                    val flow = sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow(this@HomeActivity)
+                    try {
+                        flow.fetchSubscriber(creds.msisdn)
+                        val result = flow.doMobileLogin(creds.msisdn, creds.pin)
+                        val accounts = sh.sar.basedbank.api.mfaisa.MfaisaAccountClient.buildAccounts(result, loginTag)
+                        val app = application as BasedBankApp
+                        app.mfaisaSessions[loginId] = result.session
+                        store.saveMfaisaUserProfile(
+                            loginId,
+                            CredentialStore.MfaisaUserProfile(
+                                name = result.profile.name,
+                                email = result.profile.email,
+                                mdnId = result.profile.mdnId,
+                                subscriberId = result.profile.subscriberId,
+                                walletId = result.profile.walletId,
+                                roleId = result.profile.roleId,
+                                offerId = result.profile.offerId
+                            )
+                        )
+                        AccountCache.saveMfaisa(this@HomeActivity, loginId, accounts)
+                        accounts
+                    } catch (e: java.io.IOException) {
+                        refreshErrors.add("NO_INTERNET")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (e: BankServerException) {
+                        refreshErrors.add("SERVER:${e.bankName}")
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    } catch (_: Exception) {
+                        AccountCache.loadMfaisa(this@HomeActivity, loginId)
+                    }
+                }
+            }
+
             val mibResults = mibJobs.map { (loginId, job) -> loginId to job.await() }
             val mibAccounts = mibResults.flatMap { it.second }
             val bmlAccounts = bmlJobs.flatMap { (_, job) -> job.await() }
             val fahipayAccounts = fahipayJobs.flatMap { (_, job) -> job.await() }
+            val mfaisaAccounts = mfaisaJobs.flatMap { (_, job) -> job.await() }
 
             val app = application as BasedBankApp
             app.mibAccounts = mibAccounts
             AccountCache.save(this@HomeActivity, mibAccounts)
             app.bmlAccounts = bmlAccounts
             app.fahipayAccounts = fahipayAccounts
-            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts).filterVisibleAccounts())
+            app.mfaisaAccounts = mfaisaAccounts
+            viewModel.accounts.postValue((mibAccounts + bmlAccounts + fahipayAccounts + mfaisaAccounts).filterVisibleAccounts())
             binding.refreshIndicator.visibility = View.GONE
 
             val noInternet = refreshErrors.any { it == "NO_INTERNET" }
@@ -955,6 +1005,11 @@ fun applyNavLabelVisibility() {
                     val hidden = store.getHiddenBmlProfileIds(loginId)
                     hidden.isEmpty() || acc.profileId !in hidden
                 }
+                "MFAISA" -> {
+                    val loginId = acc.loginTag.removePrefix("mfaisa_")
+                    val hidden = store.getHiddenMfaisaPocketIds(loginId)
+                    hidden.isEmpty() || acc.accountNumber !in hidden
+                }
                 else -> true
             }
         }
@@ -1130,14 +1185,14 @@ fun applyNavLabelVisibility() {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.bmlSessionFor(src) ?: return@withContext null
                     try {
-                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag)
+                        val accounts = BmlAccountClient().fetchAccounts(sess, src.loginTag, src.profileName, src.profileId)
                         AccountCache.saveBml(this@HomeActivity, loginId, accounts)
-                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
+                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag || it.profileId != src.profileId }
                         app.bmlAccounts = otherBml + accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val otherAccounts = current.filter { it.bank != "BML" || it.loginTag != src.loginTag }
+                val otherAccounts = current.filter { it.bank != "BML" || it.loginTag != src.loginTag || it.profileId != src.profileId }
                 viewModel.accounts.postValue(otherAccounts + fresh)
             } else {
                 val loginId = src.loginTag.removePrefix("mib_")
@@ -1220,7 +1275,7 @@ fun applyNavLabelVisibility() {
                     for (profile in profiles) {
                         try {
                             flow.switchProfile(session, profile)
-                            for (card in client.fetchCards(session, "mib_$loginId")) {
+                            for (card in client.fetchCards(session, "mib_$loginId", profile.profileId)) {
                                 if (seen.add(card.cardId)) result += card
                             }
                         } catch (_: Exception) { }

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

@@ -13,10 +13,12 @@ import android.view.ViewGroup
 import android.widget.FrameLayout
 import android.widget.ImageView
 import android.widget.LinearLayout
+import android.widget.ProgressBar
 import android.widget.TextView
 import android.widget.Toast
 import androidx.core.view.isVisible
 import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.DiffUtil
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
 import androidx.viewpager2.widget.ViewPager2
@@ -62,6 +64,23 @@ private fun toGroupedList(notifications: List<AppNotification>): List<NotifListI
     return result
 }
 
+private class NotifDiff(
+    private val old: List<NotifListItem>,
+    private val new: List<NotifListItem>
+) : DiffUtil.Callback() {
+    override fun getOldListSize() = old.size
+    override fun getNewListSize() = new.size
+    override fun areItemsTheSame(oldPos: Int, newPos: Int): Boolean {
+        val o = old[oldPos]; val n = new[newPos]
+        return when {
+            o is NotifListItem.Header && n is NotifListItem.Header -> o.label == n.label
+            o is NotifListItem.Entry  && n is NotifListItem.Entry  -> o.n.id == n.n.id
+            else -> false
+        }
+    }
+    override fun areContentsTheSame(oldPos: Int, newPos: Int) = old[oldPos] == new[newPos]
+}
+
 class NotificationsSheetFragment : BottomSheetDialogFragment() {
 
     var onUnreadCountChanged: ((hasUnread: Boolean) -> Unit)? = null
@@ -148,11 +167,16 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
         }
     }
 
+    private fun setSpinner(show: Boolean) {
+        tabAdapters.forEach { it?.showLoadingSpinner = show }
+    }
+
     private fun refreshFromNetwork() {
         val bmlSessions = app.bmlSessions.toMap()
         val mibSessions = app.mibSessions.toMap()
 
         lifecycleScope.launch {
+            setSpinner(true)
             val bmlClient = BmlNotificationsClient()
             bmlSessions.forEach { (loginId, session) ->
                 val result = withContext(Dispatchers.IO) {
@@ -172,22 +196,32 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
 
             val mibClient = MibActivityHistoryClient()
             mibSessions.forEach { (loginId, session) ->
+                val cachedIds = allNotifications
+                    .filter { it.bank == "MIB" && it.loginId == loginId }
+                    .map { it.id }.toSet()
                 val result = withContext(Dispatchers.IO) {
-                    mibClient.fetchUntilEnough(session, loginId)
+                    mibClient.fetchActivity(session, loginId, 1, 100)
                 }
-                if (result.items.isNotEmpty() && isAdded) {
+                if (isAdded) {
                     val readIds = NotificationsCache.getMibReadIds(requireContext())
-                    val resolved = result.items.map { it.copy(isRead = it.id in readIds) }
-                    allNotifications.removeAll { it.bank == "MIB" && it.loginId == loginId }
-                    allNotifications.addAll(resolved)
-                    allNotifications.sortByDescending { it.timestampMs }
+                    val hasOverlap = cachedIds.isNotEmpty() && result.items.any { it.id in cachedIds }
+                    val newItems = result.items
+                        .filter { it.id !in cachedIds }
+                        .map { it.copy(isRead = it.id in readIds) }
+                    if (newItems.isNotEmpty()) {
+                        allNotifications.addAll(newItems)
+                        allNotifications.sortByDescending { it.timestampMs }
+                        val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
+                        NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                        refreshAdapters()
+                        broadcastUnread()
+                    }
                     mibNextStart[loginId] = result.nextStart
-                    mibDone[loginId] = result.nextStart > result.totalCount
-                    NotificationsCache.saveMib(requireContext(), loginId, result.items)
-                    refreshAdapters()
-                    broadcastUnread()
+                    mibDone[loginId] = hasOverlap || result.nextStart > result.totalCount
                 }
             }
+
+            if (isAdded) setSpinner(false)
         }
     }
 
@@ -200,6 +234,7 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
         if (!anyLeft) return
 
         isLoadingMore = true
+        setSpinner(true)
         lifecycleScope.launch {
             val bmlClient = BmlNotificationsClient()
             bmlSessions.forEach { (loginId, session) ->
@@ -221,24 +256,36 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
             val mibClient = MibActivityHistoryClient()
             mibSessions.forEach { (loginId, session) ->
                 if (mibDone[loginId] == true) return@forEach
-                val start = mibNextStart[loginId] ?: 1
-                val result = withContext(Dispatchers.IO) {
-                    mibClient.fetchActivity(session, loginId, start, start + 29)
-                }
-                if (result.items.isNotEmpty() && isAdded) {
+                while (mibDone[loginId] != true && isAdded) {
+                    val start = mibNextStart[loginId] ?: 101
+                    val cachedIds = allNotifications
+                        .filter { it.bank == "MIB" && it.loginId == loginId }
+                        .map { it.id }.toSet()
+                    val result = withContext(Dispatchers.IO) {
+                        mibClient.fetchActivity(session, loginId, start, start + 99)
+                    }
+                    if (result.rawCount == 0) break
                     val readIds = NotificationsCache.getMibReadIds(requireContext())
-                    val resolved = result.items.map { it.copy(isRead = it.id in readIds) }
-                    allNotifications.addAll(resolved.filter { n -> allNotifications.none { it.id == n.id } })
-                    allNotifications.sortByDescending { it.timestampMs }
+                    val newItems = result.items
+                        .filter { it.id !in cachedIds }
+                        .map { it.copy(isRead = it.id in readIds) }
+                    if (newItems.isNotEmpty()) {
+                        allNotifications.addAll(newItems)
+                        allNotifications.sortByDescending { it.timestampMs }
+                        val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
+                        NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                    }
                     mibNextStart[loginId] = result.nextStart
                     mibDone[loginId] = result.nextStart > result.totalCount
-                    val allForLogin = allNotifications.filter { it.bank == "MIB" && it.loginId == loginId }
-                    NotificationsCache.saveMib(requireContext(), loginId, allForLogin)
+                    if (newItems.isNotEmpty()) break
                 }
             }
 
             isLoadingMore = false
-            if (isAdded) refreshAdapters()
+            if (isAdded) {
+                setSpinner(false)
+                refreshAdapters()
+            }
         }
     }
 
@@ -342,16 +389,35 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
 
         private val displayItems = mutableListOf<NotifListItem>()
 
+        var showLoadingSpinner: Boolean = false
+            set(value) {
+                if (field == value) return
+                field = value
+                if (displayItems.isEmpty()) {
+                    notifyItemChanged(0)
+                } else if (value) {
+                    notifyItemInserted(displayItems.size)
+                } else {
+                    notifyItemRemoved(displayItems.size)
+                }
+            }
+
         fun update(filtered: List<AppNotification>) {
+            val newItems = toGroupedList(filtered)
+            val diff = DiffUtil.calculateDiff(NotifDiff(displayItems.toList(), newItems))
             displayItems.clear()
-            displayItems.addAll(toGroupedList(filtered))
-            notifyDataSetChanged()
+            displayItems.addAll(newItems)
+            diff.dispatchUpdatesTo(this)
         }
 
-        override fun getItemCount() = if (displayItems.isEmpty()) 1 else displayItems.size
+        override fun getItemCount(): Int {
+            if (displayItems.isEmpty()) return 1
+            return displayItems.size + if (showLoadingSpinner) 1 else 0
+        }
 
         override fun getItemViewType(position: Int): Int {
-            if (displayItems.isEmpty()) return 2 // empty
+            if (displayItems.isEmpty()) return if (showLoadingSpinner) 3 else 2
+            if (showLoadingSpinner && position == displayItems.size) return 3
             return when (displayItems[position]) {
                 is NotifListItem.Header -> 0
                 is NotifListItem.Entry  -> 1
@@ -362,6 +428,7 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
             when (viewType) {
                 0    -> HeaderVH(buildHeaderView(parent.context))
                 1    -> ItemVH(buildRowView(parent.context))
+                3    -> SpinnerVH(buildSpinnerView(parent.context))
                 else -> EmptyVH(buildEmptyView(parent.context))
             }
 
@@ -422,6 +489,28 @@ class NotificationsSheetFragment : BottomSheetDialogFragment() {
             }
         }
 
+        // ── Loading spinner ───────────────────────────────────────────────────────
+
+        inner class SpinnerVH(v: View) : RecyclerView.ViewHolder(v)
+
+        private fun buildSpinnerView(ctx: android.content.Context): View {
+            val dp = ctx.resources.displayMetrics.density
+            val pad = (16 * dp).toInt()
+            val size = (28 * dp).toInt()
+            return LinearLayout(ctx).apply {
+                orientation = LinearLayout.VERTICAL
+                gravity = Gravity.CENTER
+                layoutParams = ViewGroup.LayoutParams(
+                    ViewGroup.LayoutParams.MATCH_PARENT,
+                    ViewGroup.LayoutParams.WRAP_CONTENT
+                )
+                setPadding(pad, pad, pad, pad)
+                addView(ProgressBar(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(size, size)
+                })
+            }
+        }
+
         // ── Notification row ──────────────────────────────────────────────────────
 
         inner class ItemVH(v: View) : RecyclerView.ViewHolder(v) {

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

@@ -83,6 +83,7 @@ class PayMvQrFragment : Fragment() {
             val eligible = accounts.filter {
                 it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" && it.profileType != "BML_DEBIT" && it.profileType != "BML_LOAN" &&
                 it.bank != "MIB" && // TODO: MIB does not support PayMV QR
+                it.bank != "MFAISA" && // TODO: M-Faisa PayMV QR not implemented yet
                 !(it.bank == "BML" && it.currencyName.contains("USD", ignoreCase = true)) // TODO: BML USD not supported by MMA
             }
             val adapter = QrAccountAdapter(requireContext(), eligible)

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

@@ -37,17 +37,25 @@ import com.google.android.material.button.MaterialButton
 import com.google.android.material.color.MaterialColors
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.launch
+import kotlinx.coroutines.sync.withLock
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlCardClient
 import sh.sar.basedbank.api.bml.BmlTapToPayClient
+import sh.sar.basedbank.api.mib.MibCardsClient
 import sh.sar.basedbank.nfc.BmlHostCardEmulatorService
 import sh.sar.basedbank.api.mib.MibCard
+import android.text.InputType
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.textfield.TextInputEditText
+import com.google.android.material.textfield.TextInputLayout
 import sh.sar.basedbank.databinding.FragmentCardsBinding
 import sh.sar.basedbank.util.CardsCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.util.bmlapi.BmlCardParser
+import sh.sar.basedbank.util.NfcPaymentUtil
 import sh.sar.basedbank.util.PaymvQrParser
 import kotlin.math.abs
 
@@ -62,15 +70,17 @@ class CardsFragment : Fragment() {
     private var cardWidth: Int = 0
     private var pendingQrCardNumber: String? = null
     private var isManageMode: Boolean = false
+    private var managedCardKey: String? = null
+    private var freezeInFlight: Boolean = false
 
     private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
         if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
         val cardNumber = pendingQrCardNumber.also { pendingQrCardNumber = null }
-        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
             (requireActivity() as HomeActivity).navigateTo(
-                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, cardNumber)
+                R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, cardNumber)
             )
         } else {
             val qr = PaymvQrParser.parse(raw)
@@ -145,17 +155,22 @@ class CardsFragment : Fragment() {
             }
         })
 
-ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
-            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-                .getBoolean("bottom_nav", false)
-            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
-            val extraBottom = if (isBottomNav) 0 else navBar.bottom
-            v.setPadding(0, 0, 0, (16 * resources.displayMetrics.density).toInt() + extraBottom)
+        ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
+            val bottomNav = activity?.findViewById<View>(R.id.bottomNavigation)
+            val navBarBottom = if (bottomNav?.visibility == View.VISIBLE) 0
+                               else insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            v.setPadding(0, 0, 0, (16 * resources.displayMetrics.density).toInt() + navBarBottom)
             insets
         }
 
-        viewModel.mibCards.observe(viewLifecycleOwner) { rebuildCards() }
-        viewModel.accounts.observe(viewLifecycleOwner) { rebuildCards() }
+        viewModel.mibCards.observe(viewLifecycleOwner) {
+            rebuildCards()
+            rebindManagedCardIfNeeded()
+        }
+        viewModel.accounts.observe(viewLifecycleOwner) {
+            rebuildCards()
+            rebindManagedCardIfNeeded()
+        }
 
         val cached = CardsCache.load(requireContext())
         if (cached.isNotEmpty()) {
@@ -232,11 +247,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 return@setOnClickListener
             }
             val bmlItem = item as CardItem.Bml
-            val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-            if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
-                showBiometricPromptForTap(bmlItem)
-            } else {
-                setTapMode(true, bmlItem)
+            NfcPaymentUtil.checkAndProceed(requireContext()) {
+                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                    showBiometricPromptForTap(bmlItem)
+                } else {
+                    setTapMode(true, bmlItem)
+                }
             }
         }
 
@@ -244,20 +261,161 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
         }
         binding.btnChangePin.setOnClickListener(wip)
-        binding.btnFreeze.setOnClickListener(wip)
+        binding.btnFreeze.setOnClickListener {
+            when (val item = cards.getOrNull(currentCardPosition)) {
+                is CardItem.Bml -> confirmBmlFreezeToggle(item)
+                is CardItem.Mib -> confirmMibFreezeToggle(item)
+                null -> {}
+            }
+        }
         binding.btnBlock.setOnClickListener(wip)
     }
 
+    private fun confirmBmlFreezeToggle(item: CardItem.Bml) {
+        if (freezeInFlight) return
+        val frozen = isBmlFrozen(item.account.statusDesc)
+        val titleRes = if (frozen) R.string.card_unfreeze_confirm_title else R.string.card_freeze_confirm_title
+        val messageRes = if (frozen) R.string.card_unfreeze_confirm_message else R.string.card_freeze_confirm_message
+        val confirmRes = if (frozen) R.string.card_action_unfreeze else R.string.card_action_freeze
+        MaterialAlertDialogBuilder(requireContext())
+            .setTitle(titleRes)
+            .setMessage(messageRes)
+            .setNegativeButton(R.string.cancel, null)
+            .setPositiveButton(confirmRes) { _, _ -> performBmlFreezeToggle(item, freeze = !frozen) }
+            .show()
+    }
+
+    private fun confirmMibFreezeToggle(item: CardItem.Mib) {
+        if (freezeInFlight) return
+        val frozen = isMibCardFrozen(item.card.cardStatus)
+        val titleRes = if (frozen) R.string.card_unfreeze_confirm_title else R.string.card_freeze_confirm_title
+        val messageRes = if (frozen) R.string.card_unfreeze_confirm_message else R.string.card_freeze_confirm_message
+        val confirmRes = if (frozen) R.string.card_action_unfreeze else R.string.card_action_freeze
+
+        val ctx = requireContext()
+        val dp = resources.displayMetrics.density
+        val inputLayout = TextInputLayout(ctx).apply {
+            hint = getString(R.string.card_freeze_comments_hint)
+            val pad = (16 * dp).toInt()
+            setPadding(pad, pad / 2, pad, 0)
+        }
+        val input = TextInputEditText(ctx).apply {
+            inputType = InputType.TYPE_CLASS_TEXT or InputType.TYPE_TEXT_FLAG_CAP_SENTENCES
+            maxLines = 3
+        }
+        inputLayout.addView(input)
+
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(titleRes)
+            .setMessage(messageRes)
+            .setView(inputLayout)
+            .setNegativeButton(R.string.cancel, null)
+            .setPositiveButton(confirmRes) { _, _ ->
+                val comments = input.text?.toString()?.trim().orEmpty()
+                performMibFreezeToggle(item, freeze = !frozen, comments = comments)
+            }
+            .show()
+    }
+
+    private fun performMibFreezeToggle(item: CardItem.Mib, freeze: Boolean, comments: String) {
+        val app = requireActivity().application as BasedBankApp
+        val action = if (freeze) "freeze" else "unfreeze"
+        val successRes = if (freeze) R.string.card_freeze_success else R.string.card_unfreeze_success
+        val loginId = item.card.loginTag.removePrefix("mib_")
+        val session = app.mibSessions[loginId]
+        if (session == null) {
+            Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+        val ownerProfile = profiles.firstOrNull { it.profileId == item.card.profileId }
+            ?: profiles.firstOrNull { it.customerId == item.card.customerId }
+        freezeInFlight = true
+        binding.btnFreeze.isEnabled = false
+        (activity as? HomeActivity)?.setRefreshing(true)
+        viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                runCatching {
+                    app.mibMutex.withLock {
+                        if (ownerProfile != null) {
+                            app.mibFlowFor(loginId).switchProfile(session, ownerProfile)
+                        }
+                        MibCardsClient().setCardFreezeState(session, item.card.cardId, action, comments)
+                    }
+                }
+            }
+            freezeInFlight = false
+            if (!isAdded || _binding == null) {
+                (activity as? HomeActivity)?.setRefreshing(false)
+                return@launch
+            }
+            binding.btnFreeze.isEnabled = true
+            (activity as? HomeActivity)?.setRefreshing(false)
+            val response = result.getOrNull()
+            if (response?.success == true) {
+                Toast.makeText(requireContext(), successRes, Toast.LENGTH_SHORT).show()
+                (activity as? HomeActivity)?.triggerRefreshCards()
+            } else {
+                val msg = response?.message?.takeIf { it.isNotBlank() }
+                    ?: result.exceptionOrNull()?.message
+                    ?: getString(R.string.card_freeze_failed)
+                Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
+    private fun performBmlFreezeToggle(item: CardItem.Bml, freeze: Boolean) {
+        val app = requireActivity().application as BasedBankApp
+        val action = if (freeze) "freeze" else "unfreeze"
+        val successRes = if (freeze) R.string.card_freeze_success else R.string.card_unfreeze_success
+        freezeInFlight = true
+        binding.btnFreeze.isEnabled = false
+        (activity as? HomeActivity)?.setRefreshing(true)
+        viewLifecycleOwner.lifecycleScope.launch {
+            val session = app.bmlSessionFor(item.account)
+            if (session == null) {
+                freezeInFlight = false
+                if (_binding != null) binding.btnFreeze.isEnabled = true
+                (activity as? HomeActivity)?.setRefreshing(false)
+                Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+                return@launch
+            }
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlCardClient().setCardFreezeState(session, item.account.internalId, action) }
+            }
+            freezeInFlight = false
+            if (!isAdded || _binding == null) {
+                (activity as? HomeActivity)?.setRefreshing(false)
+                return@launch
+            }
+            binding.btnFreeze.isEnabled = true
+            (activity as? HomeActivity)?.setRefreshing(false)
+            val response = result.getOrNull()
+            if (response?.success == true) {
+                Toast.makeText(requireContext(), successRes, Toast.LENGTH_SHORT).show()
+                (activity as? HomeActivity)?.refreshBalances(item.account)
+            } else {
+                val msg = response?.message?.takeIf { it.isNotBlank() }
+                    ?: result.exceptionOrNull()?.message
+                    ?: getString(R.string.card_freeze_failed)
+                Toast.makeText(requireContext(), msg, Toast.LENGTH_SHORT).show()
+            }
+        }
+    }
+
     private fun setManageMode(enabled: Boolean) {
         isManageMode = enabled
+        if (!enabled) managedCardKey = null
         requireActivity().title = getString(if (enabled) R.string.card_manage else R.string.nav_pay_with_card)
         if (enabled) enterManageMode() else exitManageMode()
     }
 
-    private fun enterManageMode() {
-        val item = cards.getOrNull(currentCardPosition) ?: return
+    private fun cardItemKey(item: CardItem): String = when (item) {
+        is CardItem.Bml -> "bml:${item.account.accountNumber}"
+        is CardItem.Mib -> "mib:${item.card.cardId}"
+    }
 
-        // Bind card data
+    private fun bindManageCardData(item: CardItem) {
         val cv = binding.manageCardView
         when (item) {
             is CardItem.Mib -> {
@@ -267,7 +425,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 if (assetPath != null) loadCardImage(cv.ivCardImage, assetPath)
                 else cv.ivCardImage.setImageDrawable(null)
                 bindCardStatus(cv.tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
-                cv.root.alpha = 1f
+                cv.root.alpha = if (isMibCardActive(item.card.cardStatus)) 1f else 0.45f
             }
             is CardItem.Bml -> {
                 cv.tvCardOwner.text = item.account.accountBriefName
@@ -278,6 +436,37 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                 cv.root.alpha = if (isActive) 1f else 0.45f
             }
         }
+        val isFrozen = when (item) {
+            is CardItem.Bml -> isBmlFrozen(item.account.statusDesc)
+            is CardItem.Mib -> isMibCardFrozen(item.card.cardStatus)
+        }
+        binding.btnFreeze.setText(if (isFrozen) R.string.card_action_unfreeze else R.string.card_action_freeze)
+        // MIB doesn't allow change PIN / block while a card is frozen; BML still does.
+        val mibFrozen = item is CardItem.Mib && isMibCardFrozen(item.card.cardStatus)
+        binding.btnChangePin.isEnabled = !mibFrozen
+        binding.btnBlock.isEnabled = !mibFrozen
+    }
+
+    private fun rebindManagedCardIfNeeded() {
+        if (!isManageMode) return
+        val key = managedCardKey ?: return
+        val newPos = cards.indexOfFirst { cardItemKey(it) == key }
+        if (newPos < 0) return
+        if (newPos != currentCardPosition) {
+            currentCardPosition = newPos
+            binding.rvCards.scrollToPosition(newPos)
+        }
+        bindManageCardData(cards[newPos])
+    }
+
+    private fun isBmlFrozen(statusDesc: String): Boolean =
+        statusDesc.equals("Block Plastic", ignoreCase = true)
+
+    private fun enterManageMode() {
+        val item = cards.getOrNull(currentCardPosition) ?: return
+        managedCardKey = cardItemKey(item)
+
+        bindManageCardData(item)
 
         // Capture positions BEFORE layout changes (for enter animation + exit animation later)
         val contentLoc = IntArray(2).also { binding.contentLayout.getLocationOnScreen(it) }
@@ -330,6 +519,16 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             }
         }
 
+        val isInactiveBml = item is CardItem.Bml && !item.account.statusDesc.equals("Active", ignoreCase = true)
+        binding.switchDefaultCard.isEnabled = !isInactiveBml
+        if (isInactiveBml) {
+            binding.switchHideFromDashboard.setOnCheckedChangeListener(null)
+            binding.switchHideFromDashboard.isChecked = true
+            binding.switchHideFromDashboard.isEnabled = false
+        } else {
+            binding.switchHideFromDashboard.isEnabled = true
+        }
+
         // After layout pass, compute offsets, save carousel snapshot, and animate
         binding.contentLayout.doOnNextLayout {
             val mgr = binding.manageCardView.root
@@ -701,7 +900,11 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
         val bmlItems = (viewModel.accounts.value ?: emptyList())
             .filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT" }
             .map { CardItem.Bml(it) }
-        val all: List<CardItem> = mibItems + bmlItems
+        val bmlActive = bmlItems.filter { it.account.statusDesc.equals("Active", ignoreCase = true) }
+        val bmlInactive = bmlItems.filter { !it.account.statusDesc.equals("Active", ignoreCase = true) }
+        val mibActive = mibItems.filter { isMibCardActive(it.card.cardStatus) }
+        val mibInactive = mibItems.filter { !isMibCardActive(it.card.cardStatus) }
+        val all: List<CardItem> = bmlActive + mibActive + bmlInactive + mibInactive
         // Move default BML card to front
         cards = if (defaultNum != null) {
             val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }
@@ -742,11 +945,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                     currentCardPosition = pos
                     binding.rvCards.scrollToPosition(pos)
                 }
-                val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
-                if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
-                    showBiometricPromptForTap(targetCard)
-                } else {
-                    setTapMode(true, targetCard)
+                NfcPaymentUtil.checkAndProceed(requireContext()) {
+                    val prefs = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                    if (prefs.getBoolean("biometrics_transfer_confirm", false)) {
+                        showBiometricPromptForTap(targetCard)
+                    } else {
+                        setTapMode(true, targetCard)
+                    }
                 }
             }
         }
@@ -804,6 +1009,10 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
             is CardItem.Mib -> item.card.cardTypeDesc
             is CardItem.Bml -> item.account.accountTypeName
         }
+        val isInactiveBml = item is CardItem.Bml && !item.account.statusDesc.equals("Active", ignoreCase = true)
+        val nfcAvailable = android.nfc.NfcAdapter.getDefaultAdapter(requireContext()) != null
+        binding.btnTapToPay.isEnabled = !isInactiveBml && nfcAvailable
+        binding.btnScanToPay.isEnabled = !isInactiveBml
     }
 
     fun onBackPressed(): Boolean {
@@ -828,7 +1037,11 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
 
     override fun onResume() {
         super.onResume()
-        requireActivity().title = getString(R.string.nav_pay_with_card)
+        requireActivity().title = getString(when {
+            isTapMode -> R.string.card_pay_nfc
+            isManageMode -> R.string.card_manage
+            else -> R.string.nav_pay_with_card
+        })
     }
 
     override fun onDestroyView() {
@@ -882,7 +1095,7 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
                         if (assetPath != null) loadCardImage(ivCardImage, assetPath)
                         else ivCardImage.setImageDrawable(null)
                         bindCardStatus(tvCardStatus, mibCardStatusLabel(item.card.cardStatus))
-                        itemView.alpha = 1f
+                        itemView.alpha = if (isMibCardActive(item.card.cardStatus)) 1f else 0.45f
                     }
                     is CardItem.Bml -> {
                         tvCardOwner.text = item.account.accountBriefName
@@ -1017,9 +1230,13 @@ ViewCompat.setOnApplyWindowInsetsListener(binding.contentLayout) { v, insets ->
 
         fun mibCardStatusLabel(cardStatus: String): String? = when (cardStatus) {
             "CHST0" -> null
+            "CHST20" -> "Temporary blocked by client"
             else -> cardStatus
         }
 
+        fun isMibCardActive(cardStatus: String): Boolean = cardStatus == "CHST0"
+        fun isMibCardFrozen(cardStatus: String): Boolean = cardStatus == "CHST20"
+
         fun bindCardStatus(tv: TextView, statusLabel: String?) {
             if (statusLabel == null) { tv.visibility = View.GONE; return }
             tv.visibility = View.VISIBLE

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

@@ -0,0 +1,80 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.Context
+import android.content.Intent
+import android.net.Uri
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.BuildConfig
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentSettingsAboutBinding
+
+class SettingsAboutFragment : Fragment() {
+
+    private var _binding: FragmentSettingsAboutBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentSettingsAboutBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        (binding.root as? android.widget.ScrollView)?.clipToPadding = false
+        val basePaddingBottom = binding.root.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(binding.root) { v, insets ->
+            val isBottomNav = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE).getBoolean("bottom_nav", false)
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePaddingBottom + if (isBottomNav) 0 else navBar.bottom)
+            insets
+        }
+        binding.tvAppName.text = getString(R.string.app_name)
+        binding.tvVersion.text = getString(R.string.about_version, BuildConfig.VERSION_NAME)
+
+        binding.rowMibTerms.setOnClickListener { openUrl("https://faisanet.mib.com.mv/terms") }
+        binding.rowBmlTerms.setOnClickListener { openUrl("https://www.bankofmaldives.com.mv/storage/file/121/10289/terms-conditions-online-banking-en.pdf") }
+        binding.rowFahipayTerms.setOnClickListener { openUrl("https://fahipay.mv/tos/") }
+
+        val hasMvr = BuildConfig.ACCOUNT_MVR.isNotEmpty()
+        val hasUsd = BuildConfig.ACCOUNT_USD.isNotEmpty()
+
+        if (!hasMvr && !hasUsd) {
+            binding.sectionDonate.visibility = View.GONE
+        } else {
+            if (!hasMvr) binding.btnDonateMvr.visibility = View.GONE
+            else binding.btnDonateMvr.setOnClickListener { openDonate(BuildConfig.ACCOUNT_MVR) }
+            if (!hasUsd) binding.btnDonateUsd.visibility = View.GONE
+            else binding.btnDonateUsd.setOnClickListener { openDonate(BuildConfig.ACCOUNT_USD) }
+        }
+    }
+
+    private fun openUrl(url: String) {
+        startActivity(Intent(Intent.ACTION_VIEW, Uri.parse(url)))
+    }
+
+    private fun openDonate(accountNumber: String) {
+        val fragment = TransferFragment.newInstance(
+            accountNumber = accountNumber,
+            displayName = getString(R.string.app_name),
+            subtitle = accountNumber,
+            colorHex = "#607D8B",
+            imageHash = null
+        )
+        (requireActivity() as HomeActivity).showWithBackStack(fragment)
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_about)
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+}

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

@@ -27,7 +27,9 @@ class SettingsFragment : Fragment() {
         SettingsItem(R.drawable.ic_contacts,            R.string.settings_logins,          R.string.settings_desc_logins)           { SettingsLoginsFragment() },
         SettingsItem(R.drawable.ic_settings_appearance, R.string.settings_appearance,       R.string.settings_desc_appearance)       { SettingsAppearanceFragment() },
         SettingsItem(R.drawable.ic_lock,                R.string.settings_privacy_security, R.string.settings_desc_privacy_security) { SettingsSecurityFragment() },
+        SettingsItem(R.drawable.ic_bell_filled,          R.string.settings_notifications,    R.string.settings_desc_notifications)    { SettingsNotificationsFragment() },
         SettingsItem(R.drawable.ic_settings_storage,    R.string.settings_storage,          R.string.settings_desc_storage)          { SettingsStorageFragment() },
+        SettingsItem(R.drawable.ic_info,                R.string.settings_about,             R.string.settings_desc_about)            { SettingsAboutFragment() },
     )
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View =

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

@@ -368,8 +368,9 @@ class SettingsLoginsFragment : Fragment() {
         val mibLoginIds = store.getMibLoginIds()
         val bmlLoginIds = store.getBmlLoginIds()
         val fahipayLoginIds = store.getFahipayLoginIds()
+        val mfaisaLoginIds = store.getMfaisaLoginIds()
 
-        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
+        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty() || mfaisaLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
 
         for (loginId in mibLoginIds) {
             val profile = store.loadMibUserProfile(loginId)
@@ -396,6 +397,14 @@ class SettingsLoginsFragment : Fragment() {
                 showFahipayLoginDetails(store, loginId, profile)
             }
         }
+
+        for (loginId in mfaisaLoginIds) {
+            val profile = store.loadMfaisaUserProfile(loginId)
+            val displayName = profile?.name?.takeIf { it.isNotBlank() } ?: getString(R.string.ooredoo_name)
+            addLoginRow(container, R.drawable.ooredoo_logo, displayName) {
+                showMfaisaLoginDetails(store, loginId, profile)
+            }
+        }
     }
 
     private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> Unit) {
@@ -1065,6 +1074,152 @@ class SettingsLoginsFragment : Fragment() {
         buildLoginsSection()
     }
 
+    private fun showMfaisaLoginDetails(
+        store: CredentialStore,
+        loginId: String,
+        profile: CredentialStore.MfaisaUserProfile?
+    ) {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val hide = viewModel.hideAmounts.value ?: false
+        val masked = "••••••"
+
+        val pockets = sh.sar.basedbank.util.AccountCache.loadMfaisa(ctx, loginId)
+        val hidden = store.getHiddenMfaisaPocketIds(loginId).toMutableSet()
+        val originalHidden = hidden.toSet()
+
+        // The user-visible "profiles" are: M-Faisa (every non-PayPal pocket) and PayPal (if linked).
+        // Each toggle covers the set of pocket account numbers that belong to that profile.
+        data class MfaisaProfileRow(val label: String, val pocketIds: Set<String>)
+        val mfaisaPockets = pockets.filter { it.profileType != "MFAISA_PAYPAL" }
+        val paypalPockets = pockets.filter { it.profileType == "MFAISA_PAYPAL" }
+        val profileRows = buildList {
+            if (mfaisaPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("M-Faisa", mfaisaPockets.map { it.accountNumber }.toSet()))
+            }
+            if (paypalPockets.isNotEmpty()) {
+                add(MfaisaProfileRow("PayPal", paypalPockets.map { it.accountNumber }.toSet()))
+            }
+        }
+
+        val scroll = android.widget.ScrollView(ctx)
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (16 * dp).toInt()
+            setPadding(pad, (8 * dp).toInt(), pad, pad)
+        }
+        scroll.addView(container)
+
+        listOfNotNull(
+            profile?.name?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_name)}: $it" },
+            profile?.email?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_email)}: ${if (hide) masked else it}" },
+            profile?.mdnId?.takeIf { it.isNotBlank() }?.let { "${getString(R.string.login_detail_mobile)}: ${if (hide) masked else it}" }
+        ).forEach { line ->
+            container.addView(TextView(ctx).apply {
+                text = line
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    bottomMargin = (4 * dp).toInt()
+                }
+            })
+        }
+
+        if (profileRows.isNotEmpty()) {
+            if (profile != null) {
+                container.addView(View(ctx).apply {
+                    layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).also {
+                        it.topMargin = (12 * dp).toInt(); it.bottomMargin = (12 * dp).toInt()
+                    }
+                    setBackgroundColor(0x1F000000)
+                })
+            }
+            container.addView(TextView(ctx).apply {
+                text = getString(R.string.login_detail_profiles)
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (8 * dp).toInt()
+                }
+            })
+        }
+
+        val toggleRows = profileRows.map { row ->
+            val v = LinearLayout(ctx).apply {
+                orientation = LinearLayout.HORIZONTAL
+                gravity = Gravity.CENTER_VERTICAL
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                    it.bottomMargin = (4 * dp).toInt()
+                }
+            }
+            val label = TextView(ctx).apply {
+                text = row.label
+                setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyMedium)
+                layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+            }
+            val toggle = MaterialSwitch(ctx).apply {
+                isChecked = row.pocketIds.any { it !in hidden }
+                layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    marginStart = (4 * dp).toInt()
+                }
+            }
+            v.addView(label)
+            v.addView(toggle)
+            container.addView(v)
+            row to toggle
+        }
+
+        fun updateToggleStates(saveBtn: android.widget.Button) {
+            val visibleCount = toggleRows.count { (row, _) -> row.pocketIds.any { it !in hidden } }
+            toggleRows.forEach { (_, toggle) ->
+                toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
+            }
+            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+        }
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(getString(R.string.ooredoo_name))
+            .setView(scroll)
+            .apply {
+                if (profileRows.isNotEmpty()) setPositiveButton(R.string.save, null)
+                setNeutralButton(R.string.close, null)
+                setNegativeButton(R.string.settings_logout) { _, _ ->
+                    confirmLogout(getString(R.string.ooredoo_name)) { logoutMfaisa(store, loginId) }
+                }
+            }
+            .show()
+
+        if (profileRows.isNotEmpty()) {
+            val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+            saveBtn.isEnabled = false
+            updateToggleStates(saveBtn)
+
+            toggleRows.forEach { (row, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (checked) hidden.removeAll(row.pocketIds) else hidden.addAll(row.pocketIds)
+                    updateToggleStates(saveBtn)
+                }
+            }
+
+            saveBtn.setOnClickListener {
+                store.setHiddenMfaisaPocketIds(loginId, hidden)
+                clearAllCaches(ctx)
+                dialog.dismiss()
+                (activity as? HomeActivity)?.relogin()
+            }
+        }
+    }
+
+    private fun logoutMfaisa(store: CredentialStore, loginId: String) {
+        val ctx = requireContext()
+        store.clearMfaisaCredentials(loginId)
+        val app = requireActivity().application as BasedBankApp
+        app.mfaisaSessions.remove(loginId)
+        app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != "mfaisa_$loginId" }
+        app.accounts = app.accounts.filter { it.loginTag != "mfaisa_$loginId" }
+        clearAllCaches(ctx)
+        (activity as HomeActivity).relogin()
+        buildLoginsSection()
+    }
+
     private fun clearAllCaches(ctx: Context) {
         AccountCache.clear(ctx); ContactsCache.clear(ctx); FinancingCache.clear(ctx)
         ForeignLimitsCache.clear(ctx); RecentsCache.clear(ctx)

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

@@ -0,0 +1,203 @@
+package sh.sar.basedbank.ui.home
+
+import android.Manifest
+import android.content.Context
+import android.content.Intent
+import android.content.pm.PackageManager
+import android.graphics.Color
+import android.net.Uri
+import android.os.Build
+import android.os.Bundle
+import android.os.PowerManager
+import android.provider.Settings
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.ScrollView
+import android.widget.TextView
+import androidx.activity.result.contract.ActivityResultContracts
+import androidx.appcompat.widget.SwitchCompat
+import androidx.core.content.ContextCompat
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.fragment.app.Fragment
+import com.google.android.material.color.MaterialColors
+import sh.sar.basedbank.R
+import sh.sar.basedbank.service.NotificationPollingService
+
+class SettingsNotificationsFragment : Fragment() {
+
+    private var switchView: SwitchCompat? = null
+
+    // Step 1: notification permission — on grant, proceed to battery opt check
+    private val permissionLauncher = registerForActivityResult(
+        ActivityResultContracts.RequestPermission()
+    ) { granted ->
+        if (granted) checkBatteryOptimization() else switchView?.isChecked = false
+    }
+
+    // Step 2: battery optimization — proceed to enableService regardless of user choice
+    private val batteryOptLauncher = registerForActivityResult(
+        ActivityResultContracts.StartActivityForResult()
+    ) {
+        enableService()
+    }
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        val ctx = requireContext()
+        val dp = ctx.resources.displayMetrics.density
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+
+        val scroll = ScrollView(ctx).apply { clipToPadding = false }
+
+        val col = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = ViewGroup.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT)
+            val p = (20 * dp).toInt()
+            setPadding(p, p, p, p)
+        }
+
+        // Section header
+        col.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_section)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_LabelMedium)
+            setTextColor(MaterialColors.getColor(this, com.google.android.material.R.attr.colorPrimary, Color.CYAN))
+            setPadding(0, 0, 0, (12 * dp).toInt())
+        })
+
+        // Enable toggle row
+        val sw = SwitchCompat(ctx).apply {
+            isChecked = prefs.getBoolean(PREF_ENABLED, false)
+        }
+        switchView = sw
+        sw.setOnCheckedChangeListener { _, on -> if (on) requestEnableNotifications() else disableService() }
+
+        val toggleRow = LinearLayout(ctx).apply {
+            orientation = LinearLayout.HORIZONTAL
+            gravity = Gravity.CENTER_VERTICAL
+            layoutParams = LinearLayout.LayoutParams(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT)
+            val vp = (10 * dp).toInt()
+            setPadding(0, vp, 0, vp)
+        }
+        val textCol = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = LinearLayout.LayoutParams(0, ViewGroup.LayoutParams.WRAP_CONTENT, 1f)
+        }
+        textCol.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_enable)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodyLarge)
+        })
+        textCol.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_enable_desc)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.65f
+        })
+        toggleRow.addView(textCol)
+        toggleRow.addView(sw.apply {
+            layoutParams = (layoutParams as? LinearLayout.LayoutParams ?: LinearLayout.LayoutParams(
+                ViewGroup.LayoutParams.WRAP_CONTENT, ViewGroup.LayoutParams.WRAP_CONTENT
+            )).also { it.marginStart = (12 * dp).toInt() }
+        })
+        col.addView(toggleRow)
+
+        // Description
+        col.addView(TextView(ctx).apply {
+            setText(R.string.settings_notif_description)
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.65f
+            setPadding(0, (4 * dp).toInt(), 0, (20 * dp).toInt())
+        })
+
+        // Notification channels nav row — same style as settings menu items
+        val colPad = (20 * dp).toInt()
+        val navRow = inflater.inflate(R.layout.item_more_nav, col, false).apply {
+            layoutParams = (layoutParams as LinearLayout.LayoutParams).apply {
+                marginStart = -colPad
+                marginEnd = -colPad
+                topMargin = (8 * dp).toInt()
+            }
+            findViewById<ImageView>(R.id.ivIcon).setImageResource(R.drawable.ic_bell_filled)
+            findViewById<TextView>(R.id.tvLabel).setText(R.string.settings_notif_open_system)
+            findViewById<TextView>(R.id.tvDescription).setText(R.string.settings_notif_channels_desc)
+            setOnClickListener {
+                startActivity(Intent(Settings.ACTION_APP_NOTIFICATION_SETTINGS).apply {
+                    putExtra(Settings.EXTRA_APP_PACKAGE, ctx.packageName)
+                })
+            }
+        }
+        col.addView(navRow)
+
+        scroll.addView(col)
+        return scroll
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val basePad = view.paddingBottom
+        ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
+            val isBottom = requireContext().getSharedPreferences("prefs", Context.MODE_PRIVATE)
+                .getBoolean("bottom_nav", false)
+            val nav = insets.getInsets(WindowInsetsCompat.Type.systemBars())
+            v.setPadding(v.paddingLeft, v.paddingTop, v.paddingRight, basePad + if (isBottom) 0 else nav.bottom)
+            insets
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.settings_notifications)
+    }
+
+    override fun onDestroyView() {
+        switchView = null
+        super.onDestroyView()
+    }
+
+    // ── Enable flow ───────────────────────────────────────────────────────────────
+
+    private fun requestEnableNotifications() {
+        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.TIRAMISU &&
+            ContextCompat.checkSelfPermission(requireContext(), Manifest.permission.POST_NOTIFICATIONS)
+                != PackageManager.PERMISSION_GRANTED) {
+            permissionLauncher.launch(Manifest.permission.POST_NOTIFICATIONS)
+            return
+        }
+        checkBatteryOptimization()
+    }
+
+    private fun checkBatteryOptimization() {
+        val ctx = requireContext()
+        val pm = ctx.getSystemService(Context.POWER_SERVICE) as PowerManager
+        if (!pm.isIgnoringBatteryOptimizations(ctx.packageName)) {
+            batteryOptLauncher.launch(
+                Intent(Settings.ACTION_REQUEST_IGNORE_BATTERY_OPTIMIZATIONS).apply {
+                    data = Uri.parse("package:${ctx.packageName}")
+                }
+            )
+            return
+        }
+        enableService()
+    }
+
+    private fun enableService() {
+        val ctx = requireContext()
+        ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+            .edit().putBoolean(PREF_ENABLED, true).apply()
+        ctx.startForegroundService(Intent(ctx, NotificationPollingService::class.java))
+        switchView?.isChecked = true
+    }
+
+    private fun disableService() {
+        val ctx = requireContext()
+        ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+            .edit().putBoolean(PREF_ENABLED, false).apply()
+        ctx.stopService(Intent(ctx, NotificationPollingService::class.java))
+        switchView?.isChecked = false
+    }
+
+    companion object {
+        const val PREF_ENABLED = "notifications_enabled"
+    }
+}

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

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

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

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

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

@@ -11,17 +11,13 @@ import android.graphics.BitmapFactory
 import android.graphics.Canvas
 import android.graphics.Color
 import android.graphics.Paint
-import android.graphics.Rect
 import android.net.Uri
 import android.os.Build
 import android.os.Bundle
 import android.os.Environment
-import android.os.Handler
-import android.os.Looper
 import android.provider.MediaStore
 import android.util.Base64
 import android.view.LayoutInflater
-import android.view.PixelCopy
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
@@ -38,6 +34,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibContactsClient
 import sh.sar.basedbank.databinding.FragmentReceiptBmlBinding
+import sh.sar.basedbank.databinding.FragmentReceiptMfaisaBinding
 import sh.sar.basedbank.databinding.FragmentReceiptMibBinding
 import java.io.File
 import java.io.FileOutputStream
@@ -68,6 +65,11 @@ class TransferReceiptFragment : Fragment() {
         private const val ARG_BML_REFERENCE       = "bml_reference"
         private const val ARG_BML_TIMESTAMP       = "bml_timestamp"
         private const val ARG_BML_MESSAGE         = "bml_message"
+        private const val ARG_MFAISA_TXN_TYPE     = "mfaisa_txn_type"
+        private const val ARG_MFAISA_FROM_NAME    = "mfaisa_from_name"
+        private const val ARG_MFAISA_FROM_MSISDN  = "mfaisa_from_msisdn"
+        private const val ARG_MFAISA_TO_MSISDN    = "mfaisa_to_msisdn"
+        private const val ARG_MFAISA_TIMESTAMP    = "mfaisa_timestamp"
 
         // Holds the already-rendered to-avatar bitmap from TransferFragment
         var pendingToAvatarBitmap: Bitmap? = null
@@ -91,22 +93,36 @@ class TransferReceiptFragment : Fragment() {
                 putString(ARG_BML_REFERENCE,  data.bmlReference)
                 putString(ARG_BML_TIMESTAMP,  data.bmlTimestamp)
                 putString(ARG_BML_MESSAGE,    data.bmlMessage)
+                putString(ARG_MFAISA_TXN_TYPE,    data.mfaisaTransactionType)
+                putString(ARG_MFAISA_FROM_NAME,   data.mfaisaFromName)
+                putString(ARG_MFAISA_FROM_MSISDN, data.mfaisaFromMsisdn)
+                putString(ARG_MFAISA_TO_MSISDN,   data.mfaisaToMsisdn)
+                putLong(ARG_MFAISA_TIMESTAMP,     data.mfaisaTimestamp)
             }
         }
     }
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
-        return if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
-            bindMib(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
-            bindBml(binding)
-            _receiptCard = binding.receiptCard
-            binding.root
+        return when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(inflater, container, false)
+                bindMib(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(inflater, container, false)
+                bindMfaisa(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(inflater, container, false)
+                bindBml(binding)
+                _receiptCard = binding.receiptCard
+                binding.root
+            }
         }
     }
 
@@ -139,9 +155,6 @@ class TransferReceiptFragment : Fragment() {
             }
         })
 
-        view.findViewById<MaterialButton>(R.id.btnDone).setOnClickListener {
-            parentFragmentManager.popBackStack()
-        }
         view.findViewById<MaterialButton>(R.id.btnShare).setOnClickListener {
             shareReceipt()
         }
@@ -250,6 +263,49 @@ class TransferReceiptFragment : Fragment() {
         )
     }
 
+    private fun bindMfaisa(binding: FragmentReceiptMfaisaBinding) {
+        val args      = requireArguments()
+        val currency  = args.getString(ARG_CURRENCY, "MVR")
+        val amountStr = args.getString(ARG_AMOUNT, "")
+
+        val formattedAmount = try {
+            val d = amountStr.toDouble()
+            val intFmt = NumberFormat.getNumberInstance(Locale.US).apply { maximumFractionDigits = 0 }
+            intFmt.format(d.toLong()) + "%.2f".format(d).takeLast(3)
+        } catch (_: Exception) { amountStr }
+
+        binding.tvAmount.text = "$currency $formattedAmount"
+        binding.tvTransactionType.text = args.getString(ARG_MFAISA_TXN_TYPE, "")
+            .ifBlank { "Transfer to mobile" }
+        binding.tvFromName.text = args.getString(ARG_MFAISA_FROM_NAME, "")
+            .ifBlank { args.getString(ARG_FROM_LABEL, "") }
+        binding.tvFromMsisdn.text = args.getString(ARG_MFAISA_FROM_MSISDN, "")
+        binding.tvToName.text = args.getString(ARG_TO_LABEL, "")
+        binding.tvToMsisdn.text = args.getString(ARG_MFAISA_TO_MSISDN, "")
+            .ifBlank { args.getString(ARG_TO_ACCOUNT, "") }
+        binding.tvDateTime.text = formatMfaisaTimestamp(args.getLong(ARG_MFAISA_TIMESTAMP, 0L))
+
+        val remarks = args.getString(ARG_REMARKS, "")
+        if (!remarks.isNullOrBlank()) {
+            binding.tvRemarks.text = remarks
+            binding.remarksDivider.visibility = View.VISIBLE
+            binding.remarksRow.visibility = View.VISIBLE
+        }
+
+        copyOnLongClick(
+            binding.tvAmount, binding.tvStatus, binding.tvTransactionType,
+            binding.tvFromName, binding.tvFromMsisdn,
+            binding.tvToName, binding.tvToMsisdn,
+            binding.tvDateTime, binding.tvRemarks
+        )
+    }
+
+    private fun formatMfaisaTimestamp(millis: Long): String {
+        val effective = if (millis > 0) millis else System.currentTimeMillis()
+        val sdf = java.text.SimpleDateFormat("EEEE d MMMM yyyy HH:mm:ss z", Locale.US)
+        return sdf.format(java.util.Date(effective))
+    }
+
     // ── Share / Save ──────────────────────────────────────────────────────────
 
     private fun shareReceipt() {
@@ -314,21 +370,19 @@ class TransferReceiptFragment : Fragment() {
     // ── Helpers ───────────────────────────────────────────────────────────────
 
     /**
-     * Captures the receipt card using PixelCopy, which correctly handles
-     * hardware-accelerated views (avoids the black-square problem with view.draw()).
+     * Draws the receipt card to an offscreen bitmap at its natural (unscaled)
+     * dimensions, so the captured image isn't affected by the on-screen scale
+     * applied to fit small viewports and doesn't pick up overlapping siblings.
      */
     private fun captureReceiptBitmap(callback: (Bitmap?) -> Unit) {
         val view = _receiptCard ?: run { callback(null); return }
         if (view.width == 0 || view.height == 0) { callback(null); return }
 
         val bitmap = Bitmap.createBitmap(view.width, view.height, Bitmap.Config.ARGB_8888)
-        val location = IntArray(2)
-        view.getLocationInWindow(location)
-        val srcRect = Rect(location[0], location[1], location[0] + view.width, location[1] + view.height)
-
-        PixelCopy.request(requireActivity().window, srcRect, bitmap, { result ->
-            callback(if (result == PixelCopy.SUCCESS) bitmap else null)
-        }, Handler(Looper.getMainLooper()))
+        val canvas = Canvas(bitmap)
+        canvas.drawColor(Color.WHITE)
+        view.draw(canvas)
+        callback(bitmap)
     }
 
     private fun formatBmlTimestamp(raw: String): String {
@@ -366,14 +420,22 @@ class TransferReceiptFragment : Fragment() {
             setBackgroundColor(Color.BLACK)
         }
 
-        val cardView = if (bank == "MIB") {
-            val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
-            bindMib(binding)
-            binding.receiptCard
-        } else {
-            val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
-            bindBml(binding)
-            binding.receiptCard
+        val cardView = when (bank) {
+            "MIB" -> {
+                val binding = FragmentReceiptMibBinding.inflate(layoutInflater)
+                bindMib(binding)
+                binding.receiptCard
+            }
+            "MFAISA" -> {
+                val binding = FragmentReceiptMfaisaBinding.inflate(layoutInflater)
+                bindMfaisa(binding)
+                binding.receiptCard
+            }
+            else -> {
+                val binding = FragmentReceiptBmlBinding.inflate(layoutInflater)
+                bindBml(binding)
+                binding.receiptCard
+            }
         }
         (cardView.parent as? ViewGroup)?.removeView(cardView)
         cardView.setOnClickListener { dialog.dismiss() }
@@ -423,13 +485,9 @@ class TransferReceiptFragment : Fragment() {
         (activity as? HomeActivity)?.setBottomNavVisible(false)
     }
 
-    override fun onPause() {
-        super.onPause()
-        (activity as? HomeActivity)?.setBottomNavVisible(true)
-    }
-
     override fun onDestroyView() {
         super.onDestroyView()
+        (activity as? HomeActivity)?.setBottomNavVisible(true)
         _receiptCard = null
         pendingToAvatarBitmap = null
     }

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

@@ -0,0 +1,739 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import android.view.Gravity
+import android.view.View
+import android.widget.ImageView
+import android.widget.LinearLayout
+import android.widget.TextView
+import android.widget.Toast
+import androidx.appcompat.app.AlertDialog
+import androidx.lifecycle.lifecycleScope
+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.BmlAccountClient
+import sh.sar.basedbank.api.bml.BmlOtpChannel
+import sh.sar.basedbank.api.bml.BmlQrPayClient
+import sh.sar.basedbank.api.bml.BmlQrPayInfo
+import sh.sar.basedbank.api.bml.BmlQrPayLookupException
+import sh.sar.basedbank.api.bml.BmlQrPayResult
+import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.bml.BmlTransferClient
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.api.mib.MibIpsAccountInfo
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
+import sh.sar.basedbank.util.Totp
+
+/**
+ * Owns the BML-only parts of the Transfer screen: session lookup, the CASA/card transfer itself,
+ * the business-profile OTP state machine (channel pick → initiate → verify), and merchant QR
+ * payment (card/gateway QR lookup + pre-initiate/initiate/confirm).
+ *
+ * Lives alongside [TransferFragment], which dispatches to it whenever the selected source's
+ * [BankAccount.bank] is "BML", and mirrors [MfaisaTransferHandler]'s shape: the fragment keeps
+ * the shared confirm dialog, the "To" lookup and the form state; the handler keeps everything
+ * BML-specific.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
+ * [androidx.fragment.app.Fragment.viewLifecycleOwner] and Context) — and must be re-created when
+ * the view is recreated.
+ */
+class BmlTransferHandler(
+    private val fragment: TransferFragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+    /** Asks the fragment to make [BankAccount] the source (amount prefix + from-card + Send state). */
+    private val selectSource: (BankAccount) -> Unit,
+    /** Hook called whenever handler state changes in a way that affects the Send button. */
+    private val onStateChanged: () -> Unit,
+    /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes balances. */
+    private val onTransferSuccess: (TransferReceiptData, Bitmap?) -> Unit,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+    private val host get() = fragment.activity as? HomeActivity
+
+    // ─── State ───────────────────────────────────────────────────────────────
+
+    /** Business-profile OTP flow. NONE means the Send button behaves normally. */
+    private enum class OtpState { NONE, SELECTING_CHANNEL, AWAITING_OTP }
+    private var otpState = OtpState.NONE
+    private var otpChannel: String? = null
+
+    private data class PendingTransfer(
+        val src: BankAccount,
+        val debitAccount: String,
+        val creditAccount: String,
+        val amount: Double,
+        val amountStr: String,
+        val remarks: String,
+        val transferType: String,
+        val currency: String,
+        val bank: String?,
+        val destDisplay: String,
+        val destAccount: String,
+        val toBank: String,
+        val toAvatar: Bitmap?
+    )
+    private var pendingTransfer: PendingTransfer? = null
+
+    /** Merchant QR payment mode (set when navigated from a card/gateway QR scan). */
+    var qrInfo: BmlQrPayInfo? = null
+        private set
+    /** True for pay.bml.com.mv QRs, which need an extra pre-initiate step. */
+    private var gatewayQr = false
+    /** Prevents re-running the lookup after the user clears the merchant. */
+    var qrLookupAttempted = false
+        private set
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /** Whether the business OTP flow is mid-way — the fragment freezes the Send button while it is. */
+    val isOtpFlowActive: Boolean get() = otpState != OtpState.NONE
+
+    /** Whether the Send button should verify an OTP instead of starting a new transfer. */
+    val isAwaitingOtp: Boolean get() = otpState == OtpState.AWAITING_OTP
+
+    /** Whether a merchant QR is loaded — counts as a resolved recipient for the Send button. */
+    val hasQrMerchant: Boolean get() = qrInfo != null
+
+    fun sessionFor(account: BankAccount?): BmlSession? =
+        account?.let { app.bmlSessionFor(it) } ?: app.anyBmlSession()
+
+    fun isBusinessProfile(account: BankAccount): Boolean {
+        val loginId = account.loginTag.removePrefix("bml_")
+        val profiles = app.bmlProfilesMap[loginId] ?: return false
+        return profiles.firstOrNull { it.profileId == account.profileId }?.profileType == "business"
+    }
+
+    /**
+     * Resolves a destination through BML — `verifyMibAccount` when [verifyAsMib], otherwise the
+     * regular alias/account validation. Blocking; call from IO. Returns null when BML can't
+     * resolve it, so the caller can fall back to the MIB IPS lookup.
+     *
+     * The result is mapped onto [MibIpsAccountInfo] because that is the Transfer screen's common
+     * "resolved recipient" shape, whichever bank did the resolving. Note that the MIB-verify
+     * endpoint leaves `currency` blank — the caller enriches it via
+     * [MibTransferHandler.lookupCurrency] when a MIB session is available.
+     */
+    fun validateDestination(
+        session: BmlSession,
+        accountNumber: String,
+        verifyAsMib: Boolean
+    ): MibIpsAccountInfo? {
+        val result = try {
+            if (verifyAsMib) BmlValidateClient().verifyMibAccount(session, accountNumber)
+            else BmlValidateClient().validateAccount(session, accountNumber)
+        } catch (_: Exception) { null } ?: return null
+        val bankId = when (result.trnType) {
+            "IAT" -> "MALBMVMV"
+            else  -> result.agnt ?: result.account
+        }
+        return MibIpsAccountInfo(
+            accountName = result.name,
+            accountNumber = result.account,
+            bankId = bankId,
+            currency = result.currency
+        )
+    }
+
+    /** Drops the loaded merchant and unlocks the amount/remarks fields the QR mode had frozen. */
+    fun clearQrMerchant() {
+        if (qrInfo == null) return
+        qrInfo = null
+        gatewayQr = false
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
+        binding.etAmount.setText("")
+    }
+
+    /** Called when the view tears down — an in-flight OTP flow cannot sensibly resume. */
+    fun clearState() {
+        otpState = OtpState.NONE
+        otpChannel = null
+        pendingTransfer = null
+    }
+
+    // ─── Merchant QR ─────────────────────────────────────────────────────────
+
+    fun lookupQrMerchant(qrUrl: String) {
+        qrLookupAttempted = true
+        // Gateway QRs and POS QRs (the raw EMV payload, not a URL) both carry a preset amount and
+        // need the extra pre-initiate POST; ebanking qrpay URLs do not.
+        gatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/") || !qrUrl.startsWith("https://")
+        val payTarget = PaymvQrParser.bmlPayRequestKey(qrUrl)
+        val session = app.anyBmlSession() ?: return
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                runCatching { BmlQrPayClient().lookupPayRequest(session, payTarget) }
+            }
+            host?.setRefreshing(false)
+            val info = result.getOrNull()
+            if (info == null) {
+                // An expired or rejected QR is BML telling us something specific — show its own
+                // wording and stay put with the To row restored, rather than bouncing the user out
+                // of the screen they just scanned from.
+                val message = (result.exceptionOrNull() as? BmlQrPayLookupException)?.message
+                    ?: ctx.getString(R.string.bml_qr_lookup_failed)
+                Toast.makeText(ctx, message, Toast.LENGTH_LONG).show()
+                fragment.resetToFieldVisibility()
+                onStateChanged()
+                return@launch
+            }
+            qrInfo = info
+            if (info.amount == 0.0) {
+                RecentsCache.save(ctx, RecentPick(
+                    accountNumber = "bmlqr:$qrUrl",
+                    displayName   = info.merchantName,
+                    subtitle      = info.merchantAddress.ifBlank { "BML Merchant" },
+                    colorHex      = "#0066A1",
+                    imageHash     = null,
+                    isProfileImage = false
+                ))
+            }
+
+            // Auto-select the user's default BML card if no card was pre-selected
+            if (currentSource() == null) {
+                val defaultNum = CredentialStore(ctx).getDefaultCardAccountNumber()
+                if (defaultNum != null) {
+                    val allAccounts = viewModel.accounts.value ?: emptyList()
+                    val defaultCard = allAccounts.firstOrNull {
+                        it.accountNumber == defaultNum && isCard(it) &&
+                        it.statusDesc.equals("Active", ignoreCase = true)
+                    }
+                    if (defaultCard != null) selectSource(defaultCard)
+                }
+            }
+
+            // Show merchant in the "To" card — clear button hidden (can't change recipient for QR)
+            binding.tvToAccountName.text = info.merchantName
+            binding.tvToBankBic.text = info.merchantAddress.ifBlank { "BML Merchant" }
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+            binding.ivToPhoto.setImageBitmap(fragment.makeInitialsBitmap(info.merchantName, "#0066A1"))
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill amount if dynamic QR
+            if (info.amount > 0.0) {
+                binding.etAmount.setText("%.2f".format(info.amount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            // Remarks not applicable for merchant QR payments
+            binding.tilRemarks.isEnabled = false
+            binding.tilRemarks.alpha = 0.4f
+
+            onStateChanged()
+        }
+    }
+
+    /**
+     * Confirm-then-pay for a loaded merchant QR. Uses the fragment's shared confirm dialog and
+     * reports the outcome inside it — there is no receipt screen for merchant payments.
+     */
+    fun submitQrPayment() {
+        val info = qrInfo ?: return
+        val src = currentSource() ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, 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 = src.internalId.ifBlank {
+            Toast.makeText(ctx, R.string.transfer_missing_internal_id, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val fromTypeLabel = sh.sar.basedbank.util.AccountListParser.from(src)?.typeLabel
+            ?: sh.sar.basedbank.util.bmlapi.BmlDashboardParser.productLabel(src.accountTypeName)
+        val fromDetail = listOfNotNull("BML", fromTypeLabel.ifBlank { null }).joinToString(" · ")
+        val confirmView = fragment.buildTransferConfirmView(
+            amountCurrency = info.currency,
+            amountValue = "%.2f".format(amount),
+            fromName = src.accountBriefName,
+            fromNumber = src.accountNumber,
+            fromDetail = fromDetail,
+            toName = info.merchantName,
+            toNumber = "",
+            toDetail = info.merchantAddress.ifBlank { "BML Merchant" }
+        )
+        fragment.showConfirmWithBiometric(
+            title = ctx.getString(R.string.transfer),
+            customView = confirmView,
+            biometricSubtitle = "${info.currency} ${"%.2f".format(amount)} → ${info.merchantName}",
+            onConfirmed = { dialog, frame ->
+                fragment.showProcessingInDialog(dialog, frame)
+                executeQrPayment(src, debitAccount, info, amount, dialog, frame)
+            }
+        )
+    }
+
+    private fun executeQrPayment(
+        src: BankAccount,
+        debitAccount: String,
+        info: BmlQrPayInfo,
+        amount: Double,
+        dialog: AlertDialog,
+        frame: android.widget.FrameLayout
+    ) {
+        val loginId = src.loginTag.removePrefix("bml_")
+        val session = sessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        val otp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: run { dialog.dismiss(); Toast.makeText(ctx, "OTP unavailable", Toast.LENGTH_SHORT).show(); return }
+
+        binding.btnTransfer.isEnabled = false
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) {
+                try {
+                    if (gatewayQr) {
+                        val preOk = BmlQrPayClient().preInitiatePayment(
+                            session, debitAccount, info.requestId, amount, info.currency)
+                        if (!preOk) return@withContext null
+                    }
+                    val initiated = BmlQrPayClient().initiatePayment(
+                        session, debitAccount, info.requestId, amount, info.currency)
+                    if (!initiated) return@withContext null
+                    val confirmOtp = CredentialStore(ctx).loadBmlCredentials(loginId)
+                        ?.otpSeed?.let { Totp.generate(it) } ?: otp
+                    BmlQrPayClient().confirmPayment(
+                        session, debitAccount, info.requestId, amount, info.currency, confirmOtp)
+                } catch (e: Exception) {
+                    BmlQrPayResult(false, errorMessage = e.message ?: "Payment failed")
+                }
+            }
+            if (fragment.view == null) return@launch
+
+            if (result == null) {
+                dialog.dismiss()
+                binding.btnTransfer.isEnabled = true
+                Toast.makeText(ctx, "Failed to initiate payment", Toast.LENGTH_LONG).show()
+                return@launch
+            }
+            if (result.success) {
+                fragment.showSuccessInDialog(
+                    dialog, frame,
+                    amountCurrency = result.currency.ifBlank { info.currency },
+                    amountValue = result.amount.ifBlank { "%.2f".format(amount) },
+                    fromName = src.accountBriefName,
+                    toName = result.merchant.ifBlank { info.merchantName }
+                ) {
+                    fragment.clearForm()
+                    host?.triggerRefresh()
+                }
+            } else {
+                dialog.dismiss()
+                binding.btnTransfer.isEnabled = true
+                Toast.makeText(ctx, result.errorMessage, Toast.LENGTH_LONG).show()
+            }
+        }
+    }
+
+    // ─── Personal-profile transfer (token OTP, no user interaction) ──────────
+
+    /**
+     * Runs initiate + confirm on the calling (IO) thread and returns
+     * `(ok, message, receipt)`. Message is "CONNECTIVITY" when the network was unreachable.
+     */
+    fun doTransfer(
+        src: BankAccount,
+        destAccount: String,
+        destDisplay: String,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>
+    ): Triple<Boolean, String, TransferReceiptData?> {
+        val loginId = src.loginTag.removePrefix("bml_")
+        val sess = sessionFor(src) ?: return Triple(false, ctx.getString(R.string.transfer_session_unavailable), null)
+        val otp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: return Triple(false, "OTP unavailable", null)
+        val debitAccount = src.internalId.ifBlank {
+            return Triple(false, ctx.getString(R.string.transfer_missing_internal_id), null)
+        }
+
+        val routed = routeTransfer(destAccount, isSrcCard, isDestMib, currency, allAccounts, allContacts)
+            ?: return Triple(false, "BML contact not found for this account", null)
+        val (transferType, creditAccount, bank) = routed
+        val toBank = bank ?: if (isDestMib) "MIB" else "BML"
+
+        // Step 1: initiate
+        val initiated = try {
+            BmlTransferClient().initiateTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, bank)
+        } catch (e: Exception) { return Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Initiation failed"), null) }
+
+        if (!initiated) return Triple(false, "Failed to initiate transfer — check your session", null)
+
+        // Step 2: confirm with fresh OTP
+        val confirmOtp = CredentialStore(ctx).loadBmlCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) } ?: otp
+
+        return try {
+            val result = BmlTransferClient().confirmTransfer(sess, debitAccount, creditAccount, amount, transferType, currency, confirmOtp, remarks, bank)
+            if (result.success) {
+                val receipt = TransferReceiptData(
+                    bank = "BML",
+                    amount = "%.2f".format(amount),
+                    currency = currency,
+                    fromLabel = src.accountBriefName,
+                    fromColorHex = "#0066A1",
+                    toLabel = destDisplay.ifBlank { destAccount },
+                    toAccount = destAccount,
+                    toBank = toBank,
+                    remarks = remarks,
+                    bmlFromName = src.accountBriefName,
+                    bmlReference = result.reference,
+                    bmlTimestamp = result.timestamp,
+                    bmlMessage = result.message
+                )
+                val time = result.timestamp.take(19).replace("T", " ")
+                Triple(true, "Reference: ${result.reference}\n$time", receipt)
+            } else {
+                Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null)
+            }
+        } catch (e: Exception) {
+            Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null)
+        }
+    }
+
+    // ─── Business profile OTP flow ───────────────────────────────────────────
+
+    fun startBusinessOtpFlow(
+        src: BankAccount,
+        destAccount: String,
+        destDisplay: String,
+        amount: Double,
+        amountStr: String,
+        remarks: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>,
+        toAvatar: Bitmap?
+    ) {
+        val debitAccount = src.internalId.ifBlank {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_missing_internal_id), Toast.LENGTH_SHORT).show()
+            return
+        }
+        val routed = routeTransfer(destAccount, isSrcCard, isDestMib, currency, allAccounts, allContacts)
+        if (routed == null) {
+            Toast.makeText(ctx, "BML contact not found for this account", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val (transferType, creditAccount, bank) = routed
+        val toBank = bank ?: if (isDestMib) "MIB" else "BML"
+
+        pendingTransfer = PendingTransfer(
+            src           = src,
+            debitAccount  = debitAccount,
+            creditAccount = creditAccount,
+            amount        = amount,
+            amountStr     = amountStr,
+            remarks       = remarks,
+            transferType  = transferType,
+            currency      = currency,
+            bank          = bank,
+            destDisplay   = destDisplay,
+            destAccount   = destAccount,
+            toBank        = toBank,
+            toAvatar      = toAvatar
+        )
+
+        otpState = OtpState.SELECTING_CHANNEL
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val sess = sessionFor(src)
+            val channels = if (sess != null) {
+                withContext(Dispatchers.IO) {
+                    try { BmlAccountClient().fetchTransferChannels(sess) }
+                    catch (_: Exception) { emptyList() }
+                }
+            } else emptyList<BmlOtpChannel>()
+
+            host?.setRefreshing(false)
+
+            if (channels.isEmpty()) {
+                Toast.makeText(ctx, "Could not load OTP channels", Toast.LENGTH_SHORT).show()
+                resetOtpState()
+                onStateChanged()
+                return@launch
+            }
+
+            showChannelSelection(channels)
+        }
+    }
+
+    private fun showChannelSelection(channels: List<BmlOtpChannel>) {
+        val dp = ctx.resources.displayMetrics.density
+        binding.containerBmlChannels.removeAllViews()
+
+        for (channel in channels) {
+            val iconRes = when (channel.channel) {
+                "email"  -> R.drawable.ic_channel_email
+                "mobile" -> R.drawable.ic_channel_sms
+                else     -> R.drawable.ic_channel_sms
+            }
+            val iconSize = (24 * dp).toInt()
+
+            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 = (16 * dp).toInt(); val vp = (12 * dp).toInt()
+                setPadding(hp, vp, hp, vp)
+            }
+            row.addView(ImageView(ctx).apply { setImageResource(iconRes) },
+                LinearLayout.LayoutParams(iconSize, iconSize))
+            row.addView(textCol)
+            row.setOnClickListener { selectOtpChannel(channel) }
+            binding.containerBmlChannels.addView(row)
+        }
+
+        disableTransferFields()
+        binding.layoutBmlChannelSelection.visibility = View.VISIBLE
+    }
+
+    private fun selectOtpChannel(channel: BmlOtpChannel) {
+        otpChannel = channel.channel
+        binding.layoutBmlChannelSelection.visibility = View.GONE
+
+        val pending = pendingTransfer ?: return
+        val sess = sessionFor(pending.src) ?: run {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_session_unavailable), Toast.LENGTH_SHORT).show()
+            resetOtpState()
+            onStateChanged()
+            return
+        }
+
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val initiated = withContext(Dispatchers.IO) {
+                try {
+                    BmlTransferClient().initiateTransfer(
+                        sess, pending.debitAccount, pending.creditAccount,
+                        pending.amount, pending.transferType, pending.currency,
+                        pending.bank, channel.channel
+                    )
+                } catch (_: Exception) { false }
+            }
+            host?.setRefreshing(false)
+
+            if (!initiated) {
+                Toast.makeText(ctx, "Failed to initiate transfer — check your session", Toast.LENGTH_SHORT).show()
+                resetOtpState()
+                onStateChanged()
+                return@launch
+            }
+
+            otpState = OtpState.AWAITING_OTP
+            binding.tvBmlOtpSentVia.text = "OTP code sent via: ${channel.description} (${channel.masked})"
+            binding.tvBmlOtpSentVia.visibility = View.VISIBLE
+            binding.tilBmlOtp.visibility = View.VISIBLE
+            binding.etBmlOtp.requestFocus()
+            binding.btnTransfer.text = ctx.getString(R.string.transfer_verify_payment)
+            binding.btnTransfer.isEnabled = true
+        }
+    }
+
+    /** Send-button action while [isAwaitingOtp]: confirms the pending transfer with the typed code. */
+    fun verifyOtp() {
+        val otp = binding.etBmlOtp.text?.toString()?.trim() ?: ""
+        if (otp.isEmpty()) {
+            binding.tilBmlOtp.error = "Enter the verification code"
+            return
+        }
+        binding.tilBmlOtp.error = null
+        val pending = pendingTransfer ?: return
+        val channel = otpChannel ?: return
+        val sess = sessionFor(pending.src) ?: run {
+            Toast.makeText(ctx, ctx.getString(R.string.transfer_session_unavailable), Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        binding.btnTransfer.isEnabled = false
+        host?.setRefreshing(true)
+
+        val capturedToAvatar = pending.toAvatar
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val (ok, msg, receipt) = withContext(Dispatchers.IO) {
+                try {
+                    val result = BmlTransferClient().confirmTransfer(
+                        sess, pending.debitAccount, pending.creditAccount,
+                        pending.amount, pending.transferType, pending.currency,
+                        otp, pending.remarks, pending.bank, channel
+                    )
+                    if (result.success) {
+                        val r = TransferReceiptData(
+                            bank         = "BML",
+                            amount       = "%.2f".format(pending.amount),
+                            currency     = pending.currency,
+                            fromLabel    = pending.src.accountBriefName,
+                            fromColorHex = "#0066A1",
+                            toLabel      = pending.destDisplay.ifBlank { pending.destAccount },
+                            toAccount    = pending.destAccount,
+                            toBank       = pending.toBank,
+                            remarks      = pending.remarks,
+                            bmlFromName  = pending.src.accountBriefName,
+                            bmlReference = result.reference,
+                            bmlTimestamp = result.timestamp,
+                            bmlMessage   = result.message
+                        )
+                        Triple(true, "", r)
+                    } else {
+                        Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null as TransferReceiptData?)
+                    }
+                } catch (e: Exception) {
+                    Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null as TransferReceiptData?)
+                }
+            }
+            host?.setRefreshing(false)
+
+            if (ok && receipt != null) {
+                resetOtpState()
+                onTransferSuccess(receipt, capturedToAvatar)
+            } else {
+                binding.btnTransfer.isEnabled = true
+                if (msg == "CONNECTIVITY") {
+                    host?.showConnectivityBanner(ctx.getString(R.string.connectivity_no_internet))
+                } else {
+                    binding.tilBmlOtp.error = msg
+                }
+            }
+        }
+    }
+
+    /** Tears down the OTP UI and re-enables the form. Safe to call when no flow is running. */
+    fun resetOtpState() {
+        otpState = OtpState.NONE
+        otpChannel = null
+        pendingTransfer = null
+        if (fragment.view == null) return
+        binding.layoutBmlChannelSelection.visibility = View.GONE
+        binding.tvBmlOtpSentVia.visibility = View.GONE
+        binding.tilBmlOtp.visibility = View.GONE
+        binding.etBmlOtp.setText("")
+        binding.tilBmlOtp.error = null
+        enableTransferFields()
+        binding.btnTransfer.text = ctx.getString(R.string.transfer)
+    }
+
+    private fun disableTransferFields() {
+        binding.tilAmount.isEnabled = false
+        binding.tilRemarks.isEnabled = false
+        binding.cardFromInfo.alpha = 0.5f
+        binding.btnClearFromInfo.isEnabled = false
+        binding.cardToInfo.alpha = 0.5f
+        binding.btnClearToInfo.isEnabled = false
+    }
+
+    private fun enableTransferFields() {
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.cardFromInfo.alpha = 1f
+        binding.btnClearFromInfo.isEnabled = true
+        binding.cardToInfo.alpha = 1f
+        binding.btnClearToInfo.isEnabled = true
+    }
+
+    // ─── Shared routing ──────────────────────────────────────────────────────
+
+    /**
+     * Picks the BML transfer type and the credit-account identifier the API expects.
+     * Returns null only for the USD → MIB case with no matching saved BML contact, which both
+     * callers report as "BML contact not found".
+     */
+    private fun routeTransfer(
+        destAccount: String,
+        isSrcCard: Boolean,
+        isDestMib: Boolean,
+        currency: String,
+        allAccounts: List<BankAccount>,
+        allContacts: List<BankContact>
+    ): Triple<String, String, String?>? {
+        val isDestMyCard = allAccounts.any { isCard(it) && it.accountNumber == destAccount }
+        return when {
+            isSrcCard -> {
+                // CAD: card → own BML account
+                val destBml = allAccounts.firstOrNull { it.accountNumber == destAccount && it.profileType == "BML" }
+                Triple("CAD", destBml?.internalId?.ifBlank { destAccount } ?: destAccount, null)
+            }
+            isDestMyCard -> {
+                // CPA: BML CASA → own card top-up
+                val card = allAccounts.first { isCard(it) && it.accountNumber == destAccount }
+                Triple("CPA", card.internalId.ifBlank { destAccount }, null)
+            }
+            isDestMib && currency == "MVR" -> Triple("DOT", destAccount, "MIB")
+            isDestMib -> {
+                // USD DOT: requires BML contact numeric ID
+                val contact = allContacts.firstOrNull { it.benefCategoryId == "BML" && it.benefAccount == destAccount }
+                    ?: return null
+                Triple("DOT", contact.benefNo.removePrefix("bml_"), null)
+            }
+            else -> Triple("IAT", destAccount, null)
+        }
+    }
+
+    private fun isCard(account: BankAccount) =
+        account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT"
+}

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

@@ -0,0 +1,198 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.view.View
+import androidx.lifecycle.lifecycleScope
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.dhiraagu.DhiraaguClient
+import sh.sar.basedbank.api.fahipay.OoredooClient
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.util.AccountInputParser
+
+/**
+ * A service a Fahipay wallet can pay out to. The carrier lookup decides which of these apply to
+ * a given number; [label] names it in the recipient card, [destinationLabel] in the confirm
+ * dialog's "To" block.
+ *
+ * Wallet-to-wallet Fahipay transfer is not here yet — there is no send path for it (see the
+ * class KDoc on [FahipayTransferHandler]). Add it as a constant once that lands, and the
+ * exhaustive `when`s over this enum will point at every site that needs updating.
+ */
+enum class FahipayService(val label: String, val destinationLabel: String) {
+    RAASTAS("Raastas", "Ooredoo · Raastas"),
+    OOREDOO_BILL("Ooredoo Bill Pay", "Ooredoo · Bill Pay"),
+    DHIRAAGU_RELOAD("Dhiraagu Reload", "Dhiraagu · Reload"),
+    DHIRAAGU_BILL("Dhiraagu Bill Pay", "Dhiraagu · Bill Pay"),
+}
+
+/**
+ * Owns the Fahipay-only parts of the Transfer screen: the carrier lookup that turns a phone
+ * number into a set of payable services, the chip picker shown when more than one applies, and
+ * the selected service that the confirm dialog labels the destination with.
+ *
+ * Mirrors [BmlTransferHandler] / [MfaisaTransferHandler]: the fragment keeps the shared confirm
+ * dialog, the recipient card and the form state; the handler keeps everything Fahipay-specific.
+ *
+ * **There is no send path yet.** A Fahipay source currently falls through to the MIB branch of
+ * `initiateTransfer`, which signs the request with a MIB session. When the real payout API is
+ * wired up it belongs here, as a `doTransfer(...)` alongside the lookup — same shape as the
+ * other handlers.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment]
+ * (for `viewLifecycleOwner` and Context) — and must be re-created when the view is recreated.
+ */
+class FahipayTransferHandler(
+    private val fragment: TransferFragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+) {
+
+    private val ctx get() = fragment.requireContext()
+
+    /** The service picked for the current recipient; null until a lookup resolves one. */
+    var service: FahipayService? = null
+        private set
+
+    /** How the confirm dialog names the destination, or "" when nothing is selected. */
+    val destinationLabel: String get() = service?.destinationLabel.orEmpty()
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /**
+     * Resolves a destination for a Fahipay source. Only phone numbers are payable, so anything
+     * else is rejected inline on the "To" field.
+     */
+    fun lookupRecipient(rawInput: String) {
+        if (AccountInputParser.detect(rawInput) != AccountInputParser.InputType.PHONE) {
+            binding.tilTo.error = ctx.getString(R.string.transfer_fahipay_phone_only)
+            return
+        }
+        lookupCarrier(rawInput)
+    }
+
+    /** Clears the selected service and hides the chip picker. */
+    fun clearState() {
+        service = null
+        binding.layoutServiceSelector.visibility = View.INVISIBLE
+    }
+
+    // ─── Carrier lookup ──────────────────────────────────────────────────────
+
+    private data class CarrierResult(
+        val dhiraagu: DhiraaguClient.Result,
+        val ooredoo: OoredooClient.CustType
+    )
+
+    private fun lookupCarrier(number: String) {
+        fragment.startLookupLoading()
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val result = withContext(Dispatchers.IO) { queryCarriers(number) }
+            fragment.stopLookupLoading()
+
+            val dhiraaguName = result.dhiraagu.ownerName.takeIf { it.isNotBlank() }
+            val services = servicesFor(result)
+
+            if (services.isEmpty()) return@launch
+
+            // Only one option — auto-select, no chip UI needed
+            if (services.size == 1) {
+                selectService(services[0], number, dhiraaguName)
+                return@launch
+            }
+
+            // Multiple options (Ooredoo HYBRID) — show chips
+            showServiceChips(services, number, dhiraaguName)
+        }
+    }
+
+    /**
+     * Asks the likelier carrier first based on the leading digit and only falls back to the
+     * other when the first says it doesn't know the number. Blocking — call from IO.
+     */
+    private fun queryCarriers(number: String): CarrierResult =
+        if (number.startsWith("7")) {
+            // Dhiraagu first, fall back to Ooredoo
+            val d = dhiraagu(number)
+            val o = if (d.type == DhiraaguClient.CustType.UNSUPPORTED) ooredoo(number)
+                    else OoredooClient.CustType.UNSUPPORTED
+            CarrierResult(d, o)
+        } else {
+            // Ooredoo first, fall back to Dhiraagu
+            val o = ooredoo(number)
+            val d = if (o == OoredooClient.CustType.UNSUPPORTED) dhiraagu(number)
+                    else DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED)
+            CarrierResult(d, o)
+        }
+
+    private fun dhiraagu(number: String) =
+        try { DhiraaguClient().validateNumber(number) }
+        catch (_: Exception) { DhiraaguClient.Result(DhiraaguClient.CustType.UNSUPPORTED) }
+
+    private fun ooredoo(number: String) =
+        try { OoredooClient().validateNumber(number) }
+        catch (_: Exception) { OoredooClient.CustType.UNSUPPORTED }
+
+    private fun servicesFor(result: CarrierResult): List<FahipayService> = buildList {
+        if (result.dhiraagu.type == DhiraaguClient.CustType.RELOAD)   add(FahipayService.DHIRAAGU_RELOAD)
+        if (result.dhiraagu.type == DhiraaguClient.CustType.BILL_PAY) add(FahipayService.DHIRAAGU_BILL)
+        if (result.ooredoo == OoredooClient.CustType.PRE  || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.RAASTAS)
+        if (result.ooredoo == OoredooClient.CustType.POST || result.ooredoo == OoredooClient.CustType.HYBRID) add(FahipayService.OOREDOO_BILL)
+    }
+
+    // ─── Service picker ──────────────────────────────────────────────────────
+
+    private fun showServiceChips(
+        services: List<FahipayService>,
+        number: String,
+        dhiraaguName: String?
+    ) {
+        binding.chipDhiraaguReload.visibility = visibilityFor(FahipayService.DHIRAAGU_RELOAD in services)
+        binding.chipDhiraaguBill.visibility   = visibilityFor(FahipayService.DHIRAAGU_BILL   in services)
+        binding.chipRaastas.visibility        = visibilityFor(FahipayService.RAASTAS         in services)
+        binding.chipOoredooBill.visibility    = visibilityFor(FahipayService.OOREDOO_BILL    in services)
+        binding.layoutServiceSelector.visibility = View.VISIBLE
+        binding.chipGroupService.clearCheck()
+
+        // Dhiraagu is the only carrier that hands back an owner name, so the Ooredoo chips
+        // resolve their display name from saved contacts instead.
+        bindChip(binding.chipDhiraaguReload, FahipayService.DHIRAAGU_RELOAD, number, dhiraaguName)
+        bindChip(binding.chipDhiraaguBill,   FahipayService.DHIRAAGU_BILL,   number, dhiraaguName)
+        bindChip(binding.chipRaastas,        FahipayService.RAASTAS,         number, null)
+        bindChip(binding.chipOoredooBill,    FahipayService.OOREDOO_BILL,    number, null)
+    }
+
+    private fun bindChip(
+        chip: com.google.android.material.chip.Chip,
+        picked: FahipayService,
+        number: String,
+        ownerName: String?
+    ) {
+        chip.setOnCheckedChangeListener { _, checked ->
+            if (checked) {
+                selectService(picked, number, ownerName)
+                binding.layoutServiceSelector.visibility = View.INVISIBLE
+            }
+        }
+    }
+
+    private fun visibilityFor(shown: Boolean) = if (shown) View.VISIBLE else View.GONE
+
+    private fun selectService(picked: FahipayService, number: String, ownerName: String?) {
+        service = picked
+        val contacts = viewModel.contacts.value ?: emptyList()
+        val displayName = ownerName
+            ?: contacts.firstOrNull { it.benefAccount == number }?.benefNickName
+            ?: number
+        fragment.prefillToDirectly(
+            accountNumber = number,
+            displayName   = displayName,
+            subtitle      = "${picked.label} · $number",
+            colorHex      = "#FF6B00",
+            imageHash     = null
+        )
+    }
+}

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

@@ -0,0 +1,653 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.content.Context
+import android.graphics.Bitmap
+import android.graphics.Color
+import android.view.Gravity
+import android.view.View
+import android.widget.LinearLayout
+import android.widget.TextView
+import android.widget.Toast
+import androidx.appcompat.app.AlertDialog
+import androidx.biometric.BiometricManager
+import androidx.biometric.BiometricPrompt
+import androidx.core.content.ContextCompat
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mfaisa.MfaisaInvalidOtpException
+import sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient
+import sh.sar.basedbank.api.mfaisa.MfaisaRecipientNotFoundException
+import sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentTransferBinding
+import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.HomeViewModel
+import sh.sar.basedbank.ui.home.TransferFragment
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.AccountInputParser
+import sh.sar.basedbank.util.RecentPick
+import sh.sar.basedbank.util.RecentsCache
+
+/**
+ * Owns the M-Faisa-only parts of the Transfer screen: phone-based recipient lookup,
+ * initiate-with-OTP and confirm-with-OTP for wallet transfers, plus merchant QR pay
+ * (qrCodeId lookup + initiate/confirm purchase). Lives alongside [TransferFragment] which
+ * dispatches to it whenever [BankAccount.bank] == "MFAISA" is the selected source, or whenever
+ * an M-Faisa merchant QR is loaded.
+ *
+ * Mirrors [BmlTransferHandler]: the fragment keeps the shared confirm dialog, the recipient card
+ * and the form state; the handler keeps everything M-Faisa-specific.
+ *
+ * Lifetime is bound to the fragment's view: it captures [binding] + [viewModel] + [fragment] (for
+ * [Fragment.viewLifecycleOwner] and Context) — and must be re-created when the view is recreated.
+ */
+class MfaisaTransferHandler(
+    private val fragment: TransferFragment,
+    private val binding: FragmentTransferBinding,
+    private val viewModel: HomeViewModel,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+    /** Asks the fragment to make [BankAccount] the source (amount prefix + from-card + Send state). */
+    private val selectSource: (BankAccount) -> Unit,
+    /** Hook called when M-Faisa successfully resolves or clears a recipient — fragment uses this to update Send-button state. */
+    private val onRecipientChanged: () -> Unit,
+    /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes account balances. */
+    private val onTransferSuccess: (TransferReceiptData, Bitmap?) -> Unit,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+    private val host get() = fragment.activity as? HomeActivity
+
+    /** Set to the resolved recipient after a successful search; null otherwise. */
+    var recipient: MfaisaTransferClient.Recipient? = null
+        private set
+
+    /** Merchant QR payment mode (set when the scanned QR is an M-Faisa qrCodeId). */
+    var qrInfo: MfaisaQrPayClient.QrMerchant? = null
+        private set
+
+    private var lookupInFlight = false
+
+    // ─── Public API the fragment calls ───────────────────────────────────────
+
+    /** Whether the recipient lookup has resolved — gates the Send button. */
+    fun isRecipientReady(): Boolean = recipient?.isMvr == true
+
+    /** Triggered when the user taps the search end-icon in `tilTo` (and source bank is MFAISA). */
+    fun searchRecipient(rawInput: String) {
+        if (lookupInFlight) return
+        // Reuse the shared normalizer so "+960", "960", and embedded spaces work the same as
+        // they do for MIB/BML lookup. The result is a bare 7-digit MSISDN when input was a
+        // local phone number, untouched otherwise.
+        val phone = AccountInputParser.normalize(rawInput)
+        if (AccountInputParser.detect(phone) != AccountInputParser.InputType.PHONE) {
+            binding.tilTo.error = "Enter a valid mobile number"
+            return
+        }
+        binding.tilTo.error = null
+
+        val source = mfaisaSource() ?: return
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        lookupInFlight = true
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                val result = withContext(Dispatchers.IO) {
+                    try {
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(session, phone)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        MfaisaTransferClient.forContext(ctx).searchRecipient(fresh, phone)
+                    }
+                }
+                if (!result.isMvr) {
+                    // Server returned the user but only with a PayPal pocket — not supported.
+                    binding.tilTo.error = "This number doesn't have an MVR M-Faisa pocket"
+                } else {
+                    recipient = result
+                    showResolvedRecipient(result)
+                }
+            } catch (_: MfaisaRecipientNotFoundException) {
+                binding.tilTo.error = "No M-Faisa wallet found for this number"
+            } catch (e: java.io.IOException) {
+                Toast.makeText(ctx, R.string.connectivity_no_internet, Toast.LENGTH_SHORT).show()
+            } catch (e: Exception) {
+                binding.tilTo.error = e.message ?: "Lookup failed"
+            } finally {
+                lookupInFlight = false
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                onRecipientChanged()
+            }
+        }
+    }
+
+    /** Triggered when the user taps the Send button (and source bank is MFAISA). */
+    fun submit() {
+        val source = mfaisaSource() ?: return
+        val r = recipient ?: run {
+            Toast.makeText(ctx, "Search for a recipient first", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim().orEmpty()
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+
+        val sourcePocketId = source.accountNumber  // pocketId IS the accountNumber for M-Faisa accounts
+
+        binding.btnTransfer.isEnabled = false
+        (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val refId = try {
+                withContext(Dispatchers.IO) { initiateWithRetry(source, sourcePocketId, r, amountStr, remarks) }
+            } catch (e: Exception) {
+                (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                binding.btnTransfer.isEnabled = true
+                showError(e)
+                return@launch
+            }
+            (fragment.activity as? HomeActivity)?.setRefreshing(false)
+            // Server has now SMSed an OTP to the user's phone. Prompt them for it.
+            promptForOtp(source, r, amountStr, remarks, refId, errorMsg = null)
+        }
+    }
+
+    /** Whether a merchant QR is loaded — counts as a resolved recipient for the Send button. */
+    val hasQrMerchant: Boolean get() = qrInfo != null
+
+    /** Called when the source account changes away from M-Faisa (or the view tears down). */
+    fun clearState() {
+        recipient = null
+        lookupInFlight = false
+    }
+
+    /** Drops the loaded merchant and unlocks the amount/remarks fields the QR mode had frozen. */
+    fun clearQrMerchant() {
+        if (qrInfo == null) return
+        qrInfo = null
+        binding.tilAmount.isEnabled = true
+        binding.tilRemarks.isEnabled = true
+        binding.tilRemarks.alpha = 1f
+        binding.etAmount.setText("")
+    }
+
+    // ─── Merchant QR ─────────────────────────────────────────────────────────
+
+    /**
+     * Resolves an M-Faisa qrCodeId to a merchant, paints it in the "To" card, auto-selects an
+     * M-Faisa source if none is selected (or the current one is the wrong bank), and pre-fills
+     * the amount if the QR is dynamic.
+     */
+    fun lookupQrMerchant(qrCodeId: String) {
+        val source = mfaisaSource() ?: run {
+            Toast.makeText(ctx, "No M-Faisa account available", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val session = app.mfaisaSessionFor(source) ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+
+        // Auto-switch from a non-MFAISA source so the user doesn't have to fix it manually
+        if (currentSource()?.bank != "MFAISA") selectSource(source)
+
+        // Lock the "To" input row while loading
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        host?.setRefreshing(true)
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val merchant = withContext(Dispatchers.IO) {
+                try {
+                    MfaisaQrPayClient().fetchQrDetails(session, qrCodeId)
+                } catch (_: MfaisaSessionExpiredException) {
+                    val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                        ?: return@withContext null
+                    try { MfaisaQrPayClient().fetchQrDetails(fresh, qrCodeId) }
+                    catch (_: Exception) { null }
+                } catch (_: Exception) { null }
+            }
+            host?.setRefreshing(false)
+            if (merchant == null) {
+                Toast.makeText(ctx, "Could not look up M-Faisa QR", Toast.LENGTH_LONG).show()
+                fragment.resetToFieldVisibility()
+                return@launch
+            }
+            qrInfo = merchant
+
+            // Static QRs (no preset amount) make sense to keep in Recents — the merchant is
+            // reusable. Dynamic QRs are one-off so we skip them, same rule as BML QR pay.
+            if (merchant.txnAmount.isNullOrBlank()) {
+                RecentsCache.save(ctx, RecentPick(
+                    accountNumber = "mfaisaqr:${merchant.qrCodeId}",
+                    displayName   = merchant.merchantName,
+                    subtitle      = "M-Faisa merchant · ${merchant.merchantMsisdn}",
+                    colorHex      = "#ED1C24",
+                    imageHash     = null,
+                    isProfileImage = false,
+                    bank          = "MFAISA"
+                ))
+            }
+
+            // Show merchant in the "To" card — clear button is the only way to back out
+            binding.tvToAccountName.text = merchant.merchantName
+            binding.tvToBankBic.text = "M-Faisa merchant · ${merchant.merchantMsisdn}"
+            binding.tvToAccountDetails.visibility = View.GONE
+            binding.tvToBalance.visibility = View.GONE
+            binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+            binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+            binding.cardToInfo.visibility = View.VISIBLE
+
+            // Pre-fill + lock amount if the QR is dynamic
+            val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
+            if (dynamicAmount != null && dynamicAmount > 0.0) {
+                binding.etAmount.setText("%.2f".format(dynamicAmount))
+                binding.tilAmount.isEnabled = false
+            }
+
+            onRecipientChanged()
+        }
+    }
+
+    /**
+     * Confirm-then-pay for a loaded merchant QR. Uses the fragment's shared confirm dialog —
+     * the /initiateNewBuy + /confirmNewBuy pair does NOT require OTP for wallet QR pay
+     * (2FARequired=NONE), so unlike [submit] there is no code to enter.
+     */
+    fun submitQrPayment() {
+        val merchant = qrInfo ?: return
+        val src = currentSource() ?: run {
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        if (src.bank != "MFAISA") {
+            Toast.makeText(ctx, "Switch to an M-Faisa account to pay this QR", Toast.LENGTH_SHORT).show()
+            return
+        }
+        val amountStr = binding.etAmount.text?.toString()?.trim() ?: ""
+        val amount = amountStr.toDoubleOrNull()
+        if (amount == null || amount <= 0) { binding.tilAmount.error = "Enter a valid amount"; return }
+        binding.tilAmount.error = null
+        val remarks = binding.etRemarks.text?.toString()?.trim().orEmpty()
+        val amountValue = "%.2f".format(amount)
+
+        val confirmView = fragment.buildTransferConfirmView(
+            amountCurrency = merchant.currencyCode,
+            amountValue = amountValue,
+            fromName = src.accountBriefName,
+            fromNumber = src.accountNumber,
+            fromDetail = "M-Faisa",
+            toName = merchant.merchantName,
+            toNumber = merchant.merchantMsisdn,
+            toDetail = "Ooredoo M-Faisa merchant"
+        )
+        fragment.showConfirmWithBiometric(
+            title = ctx.getString(R.string.transfer),
+            customView = confirmView,
+            biometricSubtitle = "${merchant.currencyCode} $amountValue → ${merchant.merchantName}",
+            onConfirmed = { dialog, frame ->
+                fragment.showProcessingInDialog(dialog, frame)
+                executeQrPayment(src, merchant, amountValue, remarks, dialog)
+            }
+        )
+    }
+
+    private fun executeQrPayment(
+        src: BankAccount,
+        merchant: MfaisaQrPayClient.QrMerchant,
+        amountStr: String,
+        remarks: String,
+        dialog: AlertDialog
+    ) {
+        val loginId = src.loginTag.removePrefix("mfaisa_")
+        val initialSession = app.mfaisaSessionFor(src) ?: run {
+            dialog.dismiss()
+            Toast.makeText(ctx, R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
+            return
+        }
+        // M-Faisa expects the user's MSISDN with the "960" country prefix (the session stores the
+        // bare 7-digit form). The pocket itself is identified by [BankAccount.accountNumber].
+        val sourceMdn = "960${initialSession.msisdn}"
+
+        binding.btnTransfer.isEnabled = false
+
+        fragment.viewLifecycleOwner.lifecycleScope.launch {
+            val outcome = withContext(Dispatchers.IO) {
+                val client = MfaisaQrPayClient()
+                try {
+                    val refId = try {
+                        client.initiatePurchase(initialSession, src.accountNumber, sourceMdn, merchant, amountStr, remarks)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.initiatePurchase(fresh, src.accountNumber, "960${fresh.msisdn}", merchant, amountStr, remarks)
+                    }
+                    val confirmSession = app.mfaisaSessionFor(src) ?: initialSession
+                    try {
+                        client.confirmPurchase(confirmSession, refId)
+                    } catch (_: MfaisaSessionExpiredException) {
+                        val fresh = app.refreshMfaisaSession(loginId)
+                            ?: throw IllegalStateException("Could not refresh M-Faisa session")
+                        client.confirmPurchase(fresh, refId)
+                    }
+                    Result.success(refId)
+                } catch (e: Exception) {
+                    Result.failure<String>(e)
+                }
+            }
+            if (fragment.view == null) return@launch
+
+            outcome.fold(
+                onSuccess = { _ ->
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountStr,
+                        currency     = merchant.currencyCode,
+                        fromLabel    = src.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = merchant.merchantName,
+                        toAccount    = merchant.merchantMsisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Merchant payment",
+                        mfaisaFromName        = src.accountBriefName,
+                        mfaisaFromMsisdn      = src.accountNumber,
+                        mfaisaToMsisdn        = merchant.merchantMsisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    dialog.dismiss()
+                    onTransferSuccess(receipt, null)
+                },
+                onFailure = { e ->
+                    dialog.dismiss()
+                    binding.btnTransfer.isEnabled = true
+                    showError(e, fallback = "Payment failed")
+                }
+            )
+        }
+    }
+
+    // ─── Internal ────────────────────────────────────────────────────────────
+
+    /**
+     * The M-Faisa account to act on: the selected source when it is one, otherwise the first
+     * M-Faisa account available. The fallback is what lets a scanned merchant QR auto-switch
+     * the source away from another bank.
+     */
+    private fun mfaisaSource(): BankAccount? =
+        currentSource()?.takeIf { it.bank == "MFAISA" }
+            ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }
+
+    private fun showResolvedRecipient(r: MfaisaTransferClient.Recipient) {
+        // Reuse the same recipient card the fragment uses for other banks. The fragment owns the
+        // card view, so we just populate its text fields and toggle visibility.
+        binding.tvToAccountName.text = r.name.ifBlank { r.msisdn }
+        binding.tvToBankBic.text = r.msisdn
+        binding.tvToAccountDetails.text = "Ooredoo M-Faisa · MVR"
+        binding.tvToAccountDetails.visibility = View.VISIBLE
+        binding.tvToBalance.visibility = View.GONE
+        binding.ivToPhoto.setImageResource(R.drawable.ooredoo_logo)
+        binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.FIT_CENTER
+
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
+        binding.cardToInfo.visibility = View.VISIBLE
+
+        RecentsCache.save(ctx, RecentPick(
+            accountNumber  = r.msisdn,
+            displayName    = r.name.ifBlank { r.msisdn },
+            subtitle       = "Ooredoo M-Faisa · ${r.msisdn}",
+            colorHex       = "#ED1C24",
+            imageHash      = null,
+            isProfileImage = false,
+            bank           = "MFAISA"
+        ))
+    }
+
+    /** Initiate with one automatic retry if the session has expired. */
+    private fun initiateWithRetry(
+        source: BankAccount,
+        sourcePocketId: String,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String
+    ): String {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        return try {
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(session, sourcePocketId, r, amountStr, remarks)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).initiateTransfer(fresh, sourcePocketId, r, amountStr, remarks)
+        }
+    }
+
+    private fun confirmWithRetry(source: BankAccount, refId: String, otpCode: String) {
+        val session = app.mfaisaSessionFor(source) ?: throw IllegalStateException("No M-Faisa session")
+        try {
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(session, refId, otpCode)
+        } catch (_: MfaisaSessionExpiredException) {
+            val fresh = app.refreshMfaisaSession(source.loginTag.removePrefix("mfaisa_"))
+                ?: throw IllegalStateException("Could not refresh M-Faisa session")
+            MfaisaTransferClient.forContext(ctx).confirmTransfer(fresh, refId, otpCode)
+        }
+    }
+
+    /**
+     * Shows the unified "confirm + enter OTP" dialog. Body is the standard transfer-confirm
+     * view (amount + from/to blocks via [TransferFragment.buildTransferConfirmView]) plus an
+     * OTP input. The Confirm button stays disabled until a 6-digit code is entered. Biometric
+     * gating + invalid-OTP re-prompt + session-refresh retry are all preserved.
+     *
+     * The displayed "code sent to" line uses the SOURCE M-Faisa login's MSISDN (where the SMS
+     * was actually sent) — the old standalone OTP dialog mistakenly showed the recipient.
+     */
+    private fun promptForOtp(
+        source: BankAccount,
+        r: MfaisaTransferClient.Recipient,
+        amountStr: String,
+        remarks: String,
+        refId: String,
+        errorMsg: String?
+    ) {
+        val view = fragment.view ?: return
+        val dp = ctx.resources.displayMetrics.density
+        val colorMuted = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
+        val colorOutline = MaterialColors.getColor(
+            view, com.google.android.material.R.attr.colorOutlineVariant, Color.LTGRAY)
+
+        val amountValue = try { "%.2f".format(amountStr.toDouble()) } catch (_: Exception) { amountStr }
+        val confirmView = fragment.buildTransferConfirmView(
+            amountCurrency = "MVR",
+            amountValue    = amountValue,
+            fromName       = source.accountBriefName,
+            fromNumber     = source.accountNumber,
+            fromDetail     = "M-Faisa",
+            toName         = r.name.ifBlank { r.msisdn },
+            toNumber       = r.msisdn,
+            toDetail       = "Ooredoo M-Faisa"
+        )
+
+        // The user's own M-Faisa MSISDN (where the SMS is sent). The session stores the bare
+        // 7 digits; prefix with 960 for display.
+        val userMsisdn = app.mfaisaSessionFor(source)?.msisdn
+            ?.takeIf { it.isNotBlank() }
+            ?.let { "960$it" }
+            ?: "your registered number"
+
+        val otpHeader = TextView(ctx).apply {
+            text = "A 6-digit verification code has been sent to $userMsisdn"
+            textSize = 13f
+            setTextColor(colorMuted)
+            gravity = Gravity.CENTER
+        }
+        val otpInput = android.widget.EditText(ctx).apply {
+            hint = "Enter 6-digit code"
+            inputType = android.text.InputType.TYPE_CLASS_NUMBER
+            filters = arrayOf(android.text.InputFilter.LengthFilter(6))
+            textSize = 20f
+            gravity = Gravity.CENTER
+            letterSpacing = 0.3f
+        }
+        val errorView = errorMsg?.let {
+            TextView(ctx).apply {
+                text = it
+                textSize = 13f
+                setTextColor(Color.RED)
+                gravity = Gravity.CENTER
+            }
+        }
+        val divider = View(ctx).apply {
+            setBackgroundColor(colorOutline)
+            layoutParams = LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, (1 * dp).toInt()).apply {
+                topMargin = (8 * dp).toInt()
+            }
+        }
+        val otpSection = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            setPadding((20 * dp).toInt(), (12 * dp).toInt(), (20 * dp).toInt(), (4 * dp).toInt())
+            addView(otpHeader, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT))
+            addView(otpInput, LinearLayout.LayoutParams(
+                LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                topMargin = (8 * dp).toInt()
+            })
+            if (errorView != null) {
+                addView(errorView, LinearLayout.LayoutParams(
+                    LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                    topMargin = (8 * dp).toInt()
+                })
+            }
+        }
+        val container = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            addView(confirmView)
+            addView(divider)
+            addView(otpSection)
+        }
+
+        // Hide any previously-open keyboard so the OTP field can claim focus cleanly.
+        val imm = ctx.getSystemService(Context.INPUT_METHOD_SERVICE) as android.view.inputmethod.InputMethodManager
+        imm.hideSoftInputFromWindow(view.windowToken, 0)
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
+            .setTitle(R.string.transfer)
+            .setView(container)
+            .setPositiveButton(R.string.transfer_confirm, null)
+            .setNegativeButton(R.string.cancel) { d, _ ->
+                d.dismiss()
+                binding.btnTransfer.isEnabled = true
+            }
+            .setCancelable(false)
+            .show()
+
+        val confirmBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+        confirmBtn.isEnabled = false
+        otpInput.addTextChangedListener { text ->
+            confirmBtn.isEnabled = (text?.length ?: 0) == 6
+        }
+
+        val prefs = ctx.getSharedPreferences("prefs", Context.MODE_PRIVATE)
+        val biometricTransferConfirm = prefs.getBoolean("biometrics_transfer_confirm", false)
+        val canAuth = BiometricManager.from(ctx)
+            .canAuthenticate(BiometricManager.Authenticators.BIOMETRIC_WEAK) == BiometricManager.BIOMETRIC_SUCCESS
+
+        val runConfirm: () -> Unit = {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
+            dialog.dismiss()
+            (fragment.activity as? HomeActivity)?.setRefreshing(true)
+
+            fragment.viewLifecycleOwner.lifecycleScope.launch {
+                try {
+                    withContext(Dispatchers.IO) { confirmWithRetry(source, refId, otp) }
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    val receipt = TransferReceiptData(
+                        bank         = "MFAISA",
+                        amount       = amountValue,
+                        currency     = "MVR",
+                        fromLabel    = source.accountBriefName,
+                        fromColorHex = "#ED1C24",
+                        toLabel      = r.name.ifBlank { r.msisdn },
+                        toAccount    = r.msisdn,
+                        toBank       = "Ooredoo M-Faisa",
+                        remarks      = remarks,
+                        mfaisaTransactionType = "Transfer to mobile",
+                        mfaisaFromName        = source.accountBriefName,
+                        mfaisaFromMsisdn      = source.accountNumber,
+                        mfaisaToMsisdn        = r.msisdn,
+                        mfaisaTimestamp       = System.currentTimeMillis()
+                    )
+                    onTransferSuccess(receipt, null)
+                } catch (e: MfaisaInvalidOtpException) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    // Server kept the referenceId alive — re-prompt without restarting initiate.
+                    promptForOtp(source, r, amountStr, remarks, refId, e.message)
+                } catch (e: Exception) {
+                    (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    binding.btnTransfer.isEnabled = true
+                    showError(e)
+                }
+            }
+        }
+
+        confirmBtn.setOnClickListener {
+            val otp = otpInput.text?.toString()?.trim().orEmpty()
+            if (otp.length != 6) { otpInput.error = "Enter 6 digits"; return@setOnClickListener }
+            if (biometricTransferConfirm && canAuth) {
+                val prompt = BiometricPrompt(fragment, ContextCompat.getMainExecutor(ctx),
+                    object : BiometricPrompt.AuthenticationCallback() {
+                        override fun onAuthenticationSucceeded(result: BiometricPrompt.AuthenticationResult) {
+                            runConfirm()
+                        }
+                        override fun onAuthenticationError(errorCode: Int, errString: CharSequence) {
+                            if (errorCode != BiometricPrompt.ERROR_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_USER_CANCELED &&
+                                errorCode != BiometricPrompt.ERROR_NEGATIVE_BUTTON) {
+                                Toast.makeText(ctx, errString, Toast.LENGTH_SHORT).show()
+                            }
+                        }
+                        override fun onAuthenticationFailed() { /* keep dialog open */ }
+                    })
+                prompt.authenticate(
+                    BiometricPrompt.PromptInfo.Builder()
+                        .setTitle(ctx.getString(R.string.biometric_transfer_title))
+                        .setSubtitle("MVR $amountValue → ${r.name.ifBlank { r.msisdn }}")
+                        .setNegativeButtonText(ctx.getString(android.R.string.cancel))
+                        .build()
+                )
+            } else {
+                runConfirm()
+            }
+        }
+    }
+
+    private fun showError(e: Throwable, fallback: String = "Transfer failed") {
+        val msg = when {
+            e is java.io.IOException -> ctx.getString(R.string.connectivity_no_internet)
+            !e.message.isNullOrBlank() -> e.message!!
+            else -> fallback
+        }
+        Toast.makeText(ctx, msg, Toast.LENGTH_LONG).show()
+    }
+}

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

@@ -0,0 +1,173 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import android.graphics.BitmapFactory
+import android.util.Base64
+import androidx.fragment.app.Fragment
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.mib.MibContactsClient
+import sh.sar.basedbank.api.mib.MibIpsAccountInfo
+import sh.sar.basedbank.api.mib.MibLookupException
+import sh.sar.basedbank.api.mib.MibSession
+import sh.sar.basedbank.api.mib.MibTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.ui.home.TransferReceiptData
+import sh.sar.basedbank.util.AccountInputParser
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.Totp
+
+/**
+ * Owns the MIB-only parts of the Transfer screen: session resolution, IPS destination lookup,
+ * the transfer itself (profile switch + TOTP + `MibTransferClient`), and the profile/contact
+ * avatar API that every bank's "To" card borrows.
+ *
+ * Unlike [BmlTransferHandler] and [MfaisaTransferHandler] this one holds no view binding and
+ * paints nothing — every method is either a session accessor or a blocking API call meant for
+ * `Dispatchers.IO`. [sh.sar.basedbank.ui.home.TransferFragment] keeps the coroutine plumbing and
+ * the view updates, so this handler can outlive a view recreation.
+ */
+class MibTransferHandler(
+    private val fragment: Fragment,
+    /** Reads the fragment's currently-selected source account. */
+    private val currentSource: () -> BankAccount?,
+) {
+
+    private val app get() = fragment.requireActivity().application as BasedBankApp
+    private val ctx get() = fragment.requireContext()
+
+    /** The selected source's MIB session, falling back to any logged-in MIB session. */
+    val session: MibSession?
+        get() = currentSource()?.let { app.mibSessionFor(it) } ?: app.anyMibSession()
+
+    /** Any logged-in MIB session, ignoring which source is selected. */
+    val anySession: MibSession? get() = app.anyMibSession()
+
+    // ─── Destination lookup ──────────────────────────────────────────────────
+
+    /** Either a resolved destination or the message to show the user — never both. */
+    data class LookupOutcome(val info: MibIpsAccountInfo?, val error: String?)
+
+    /**
+     * IPS lookup for a destination account/alias. Blocking — call from IO.
+     * A missing MIB session is reported as "account not found", same as a failed lookup.
+     */
+    fun lookupDestination(accountNumber: String): LookupOutcome {
+        val sess = session ?: return LookupOutcome(null, notFound())
+        return try {
+            LookupOutcome(MibTransferClient().lookup(sess, accountNumber), null)
+        } catch (e: MibLookupException) {
+            LookupOutcome(null, e.message)
+        } catch (_: Exception) {
+            LookupOutcome(null, notFound())
+        }
+    }
+
+    /**
+     * Currency-only lookup, used to enrich a BML "verify MIB account" result — that endpoint
+     * resolves the name but not the currency. Blocking; returns "" when it can't be determined.
+     */
+    fun lookupCurrency(accountNumber: String): String {
+        val sess = session ?: return ""
+        return try { MibTransferClient().lookup(sess, accountNumber).currency }
+        catch (_: Exception) { "" }
+    }
+
+    private fun notFound() = ctx.getString(R.string.transfer_account_not_found)
+
+    // ─── Avatars ─────────────────────────────────────────────────────────────
+
+    /**
+     * Fetches and decodes a profile image (P41, [isProfile] true) or a saved contact's image.
+     * Blocking — call from IO. Returns null on any failure, including a missing image.
+     *
+     * The session is passed in rather than read from [session] because callers differ: the "To"
+     * card uses the selected source's session, the account dropdown uses [anySession].
+     */
+    fun fetchAvatar(session: MibSession, hash: String, isProfile: Boolean): Bitmap? = try {
+        val base64 = if (isProfile) {
+            app.anyMibFlow()?.fetchProfileImage(session, hash)
+        } else {
+            MibContactsClient().fetchProfileImageBase64(session, hash)
+        }
+        if (base64 == null) null else {
+            val bytes = Base64.decode(base64, Base64.DEFAULT)
+            BitmapFactory.decodeByteArray(bytes, 0, bytes.size)
+        }
+    } catch (_: Exception) { null }
+
+    // ─── Transfer ────────────────────────────────────────────────────────────
+
+    /**
+     * Switches to the profile that owns [src], then runs the transfer with a freshly generated
+     * TOTP. Blocking — call from IO. Returns `(ok, message, receipt)`; the message is
+     * "CONNECTIVITY" when the network was unreachable.
+     */
+    fun doTransfer(
+        src: BankAccount,
+        destAccount: String,
+        destName: String,
+        destDisplay: String,
+        amount: String,
+        remarks: String,
+        bankName: String
+    ): Triple<Boolean, String, TransferReceiptData?> {
+        val sess = session ?: return Triple(false, ctx.getString(R.string.transfer_session_unavailable), null)
+        val loginId = src.loginTag.removePrefix("mib_")
+        val otp = CredentialStore(ctx).loadMibCredentials(loginId)?.otpSeed
+            ?.let { Totp.generate(it) }
+            ?: return Triple(false, "OTP unavailable", null)
+        val currencyCode = if (src.currencyName == "USD") "840" else "462"
+        val currency = if (src.currencyName == "USD") "USD" else "MVR"
+        val isDestMib = AccountInputParser.detect(destAccount) == AccountInputParser.InputType.MIB_ACCOUNT
+        val bankNo = if (isDestMib) 2 else 3
+        val toBank = when {
+            isDestMib -> "MIB"
+            else -> when (bankName.uppercase()) {
+                "MALBMVMV" -> "BML"
+                "MADVMVMV" -> "MIB"
+                else -> bankName.ifBlank { "LOCAL" }
+            }
+        }
+        return try {
+            // Switch to the profile that owns the source account
+            if (src.profileId.isNotBlank()) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                val profile = profiles.firstOrNull { it.profileId == src.profileId }
+                if (profile != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
+            }
+            val result = MibTransferClient().transfer(
+                session = sess,
+                fromAccount = src.accountNumber,
+                toAccount = destAccount,
+                amount = amount,
+                currencyCode = currencyCode,
+                benefName = destName.ifBlank { "Recipient" },
+                bankNo = bankNo,
+                purpose = remarks,
+                otp = otp
+            )
+            if (result.success) {
+                val receipt = TransferReceiptData(
+                    bank = "MIB",
+                    amount = "%.2f".format(amount.toDoubleOrNull() ?: 0.0),
+                    currency = currency,
+                    fromLabel = src.accountBriefName,
+                    fromColorHex = "#FE860E",
+                    fromProfileImageHash = src.profileImageHash,
+                    toLabel = destDisplay.ifBlank { destName },
+                    toAccount = destAccount,
+                    toBank = toBank,
+                    remarks = remarks,
+                    mibReferenceNo = result.trxId,
+                    mibTransactionDate = result.date
+                )
+                Triple(true, "BankTransaction ID: ${result.trxId}\n${result.date}", receipt)
+            } else {
+                Triple(false, result.errorMessage.ifBlank { "Transfer failed" }, null)
+            }
+        } catch (e: Exception) {
+            Triple(false, if (e is java.io.IOException) "CONNECTIVITY" else (e.message ?: "Transfer failed"), null)
+        }
+    }
+}

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

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

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

@@ -1,5 +1,6 @@
 package sh.sar.basedbank.ui.login
 
+import android.app.Activity
 import android.content.ClipData
 import android.content.ClipboardManager
 import android.content.Context
@@ -13,11 +14,13 @@ import android.os.Looper
 import android.text.Editable
 import android.text.TextWatcher
 import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import sh.sar.basedbank.util.OtpauthParser
 import sh.sar.basedbank.util.Totp
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
@@ -27,6 +30,12 @@ import sh.sar.basedbank.api.bml.BmlLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipayAccountClient
 import sh.sar.basedbank.api.fahipay.FahipayLoginFlow
 import sh.sar.basedbank.api.fahipay.FahipaySession
+import sh.sar.basedbank.api.mfaisa.MfaisaAccountClient
+import sh.sar.basedbank.api.mfaisa.MfaisaInvalidPinException
+import sh.sar.basedbank.api.mfaisa.MfaisaKycRequiredException
+import sh.sar.basedbank.api.mfaisa.MfaisaLoginFlow
+import sh.sar.basedbank.api.mfaisa.MfaisaNotRegisteredException
+import sh.sar.basedbank.api.mfaisa.MfaisaWalletNotReadyException
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibLoginFlow
 import sh.sar.basedbank.api.mib.MibProfileClient
@@ -34,6 +43,7 @@ import sh.sar.basedbank.util.AccountCache
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.databinding.FragmentCredentialsBinding
 import sh.sar.basedbank.ui.home.HomeActivity
+import sh.sar.basedbank.ui.home.QrScannerActivity
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
 
 class CredentialsFragment : Fragment() {
@@ -60,6 +70,25 @@ class CredentialsFragment : Fragment() {
     private var bmlLoginId: String = ""
     private var bmlAccumulatedAccounts = mutableListOf<BankAccount>()
 
+    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        val entries = OtpauthParser.parse(raw)
+        when {
+            entries.isEmpty() -> Toast.makeText(requireContext(), "No OTP data found in QR", Toast.LENGTH_SHORT).show()
+            entries.size == 1 -> binding.etOtpSeed.setText(entries[0].secret)
+            else -> {
+                val labels = entries.map { e ->
+                    if (e.issuer.isNotBlank()) "${e.issuer} (${e.name})" else e.name.ifBlank { e.secret.take(8) + "…" }
+                }.toTypedArray()
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("Choose account")
+                    .setItems(labels) { _, i -> binding.etOtpSeed.setText(entries[i].secret) }
+                    .show()
+            }
+        }
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentCredentialsBinding.inflate(inflater, container, false)
         return binding.root
@@ -75,7 +104,20 @@ class CredentialsFragment : Fragment() {
                 binding.ivBankLogo.setImageResource(R.drawable.fahipay_logo_long)
                 binding.tvSignInDesc.setText(R.string.fahipay_sign_in_desc)
                 binding.tilUsername.hint = getString(R.string.fahipay_id_card)
-                binding.tilOtpSeed.visibility = android.view.View.GONE
+                binding.rowOtpSeed.visibility = android.view.View.GONE
+                binding.etOtpSeed.isEnabled = false
+                binding.etOtpSeed.isFocusable = false
+            }
+            "OOREDOO" -> {
+                binding.ivBankLogo.setImageResource(R.drawable.ooredoo_logo_long)
+                binding.tvSignInDesc.setText(R.string.ooredoo_sign_in_desc)
+                binding.tilUsername.hint = getString(R.string.ooredoo_phone)
+                binding.etUsername.inputType = android.text.InputType.TYPE_CLASS_PHONE
+                binding.etPassword.inputType =
+                    android.text.InputType.TYPE_CLASS_NUMBER or android.text.InputType.TYPE_NUMBER_VARIATION_PASSWORD
+                binding.etPassword.filters = arrayOf<android.text.InputFilter>(android.text.InputFilter.LengthFilter(4))
+                binding.tilPassword.hint = getString(R.string.ooredoo_pin)
+                binding.rowOtpSeed.visibility = android.view.View.GONE
                 binding.etOtpSeed.isEnabled = false
                 binding.etOtpSeed.isFocusable = false
             }
@@ -83,6 +125,9 @@ class CredentialsFragment : Fragment() {
 
         binding.btnLogin.isEnabled = false
         binding.btnLogin.setOnClickListener { attemptLogin() }
+        binding.btnScanOtpSeed.setOnClickListener {
+            qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
 
         binding.cardOtp.setOnClickListener {
             val code = binding.tvOtpCode.text.toString().replace(" ", "")
@@ -107,7 +152,7 @@ class CredentialsFragment : Fragment() {
             override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
         })
 
-        if (bankType != "FAHIPAY") {
+        if (bankType != "FAHIPAY" && bankType != "OOREDOO") {
             binding.etOtpSeed.addTextChangedListener(object : TextWatcher {
                 override fun afterTextChanged(s: Editable?) {
                     updateOtpDisplay()
@@ -121,7 +166,7 @@ class CredentialsFragment : Fragment() {
 
     override fun onResume() {
         super.onResume()
-        if (bankType != "FAHIPAY") otpHandler.post(otpRunnable)
+        if (bankType != "FAHIPAY" && bankType != "OOREDOO") otpHandler.post(otpRunnable)
     }
 
     override fun onPause() {
@@ -144,6 +189,7 @@ class CredentialsFragment : Fragment() {
         val otpSeed = resolveOtpSeed(otpSeedRaw)
         binding.btnLogin.isEnabled = when (bankType) {
             "FAHIPAY" -> username.isNotEmpty() && password.isNotEmpty()
+            "OOREDOO" -> username.isNotEmpty() && password.length == 4
             else -> username.isNotEmpty() && password.isNotEmpty() && otpSeed.isNotEmpty() && password != otpSeedRaw
         }
     }
@@ -178,6 +224,7 @@ class CredentialsFragment : Fragment() {
         when (bankType) {
             "BML" -> { attemptBmlLogin(); return }
             "FAHIPAY" -> { attemptFahipayLogin(); return }
+            "OOREDOO" -> { attemptMfaisaLogin(); return }
         }
 
         val username = binding.etUsername.text.toString().trim()
@@ -385,6 +432,97 @@ class CredentialsFragment : Fragment() {
         startActivity(intent)
     }
 
+    private fun attemptMfaisaLogin() {
+        val msisdn = binding.etUsername.text.toString().trim()
+        val pin = binding.etPassword.text.toString()
+
+        if (msisdn.isEmpty() || pin.length != 4) {
+            binding.tvError.text = "Please enter your phone number and 4-digit mPIN"
+            binding.tvError.visibility = View.VISIBLE
+            return
+        }
+
+        binding.tvError.visibility = View.GONE
+        binding.progressBar.visibility = View.VISIBLE
+        binding.btnLogin.isEnabled = false
+        binding.etUsername.isEnabled = false
+        binding.etPassword.isEnabled = false
+
+        val store = CredentialStore(requireContext())
+        val flow = MfaisaLoginFlow(requireContext())
+        val loginTag = "mfaisa_$msisdn"
+
+        viewLifecycleOwner.lifecycleScope.launch {
+            try {
+                withContext(Dispatchers.IO) { flow.fetchSubscriber(msisdn) }
+                val result = withContext(Dispatchers.IO) { flow.doMobileLogin(msisdn, pin) }
+                val accounts = MfaisaAccountClient.buildAccounts(result, loginTag)
+
+                store.saveMfaisaCredentials(msisdn, msisdn, pin)
+                store.saveMfaisaUserProfile(
+                    msisdn,
+                    CredentialStore.MfaisaUserProfile(
+                        name = result.profile.name,
+                        email = result.profile.email,
+                        mdnId = result.profile.mdnId,
+                        subscriberId = result.profile.subscriberId,
+                        walletId = result.profile.walletId,
+                        roleId = result.profile.roleId,
+                        offerId = result.profile.offerId
+                    )
+                )
+                AccountCache.saveMfaisa(requireContext(), msisdn, accounts)
+
+                val app = requireActivity().application as BasedBankApp
+                app.mfaisaSessions[msisdn] = result.session
+                app.mfaisaAccounts = app.mfaisaAccounts.filter { it.loginTag != loginTag } + accounts
+                app.accounts = app.accounts.filter { it.loginTag != loginTag } + accounts
+                app.isUnlocked = true
+
+                val intent = Intent(requireContext(), HomeActivity::class.java)
+                intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
+                startActivity(intent)
+            } catch (e: MfaisaNotRegisteredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("User not registered")
+                    .setMessage("Please use the Ooredoo SuperApp to register your M-Faisa wallet and complete KYC, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaKycRequiredException) {
+                MaterialAlertDialogBuilder(requireContext())
+                    .setTitle("KYC incomplete")
+                    .setMessage("Your M-Faisa wallet needs Full KYC. Please complete KYC in the Ooredoo SuperApp, then come back to Thijooree.")
+                    .setPositiveButton("OK", null)
+                    .show()
+                binding.tvError.visibility = View.GONE
+            } catch (e: MfaisaWalletNotReadyException) {
+                binding.tvError.text = e.message
+                binding.tvError.visibility = View.VISIBLE
+            } catch (e: MfaisaInvalidPinException) {
+                val message = if (e.lastAttempt)
+                    "${e.message}\n\nOne more wrong mPIN will lock your account."
+                else
+                    e.message
+                binding.tvError.text = message ?: "Incorrect mPIN"
+                binding.tvError.visibility = View.VISIBLE
+                // Re-enable PIN input only — leave phone number locked
+                binding.etPassword.isEnabled = true
+                binding.etPassword.setText("")
+                binding.etPassword.requestFocus()
+            } catch (e: Exception) {
+                binding.tvError.text = e.message ?: "Login failed"
+                binding.tvError.visibility = View.VISIBLE
+                binding.etUsername.isEnabled = true
+                binding.etPassword.isEnabled = true
+            } finally {
+                binding.progressBar.visibility = View.GONE
+                binding.btnLogin.isEnabled = true
+                // After PIN error, keep phone disabled; for any other resolution above we already restored as needed.
+            }
+        }
+    }
+
     private fun attemptFahipayLogin() {
         if (fahipayAwaitingTotp) {
             submitFahipayTotp()

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

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

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

@@ -7,7 +7,7 @@ package sh.sar.basedbank.util
 data class AccountHistoryDisplay(
     val name: String,
     val number: String,
-    val bankPill: String?,        // "BML", "FP", null for MIB (no pill)
+    val bankPill: String?,        // "BML", "FP", "MIB" — bank label shown on the pill
     val typeLabel: String,        // e.g. "Savings", "Current", "Visa Platinum"
     val availableBalance: String, // formatted "CCY amount"
     val workingBalance: String,   // ledger/working balance — formatted "CCY amount"

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

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

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

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

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

@@ -23,6 +23,7 @@ object CardsCache {
                 put("phoneNumber", c.phoneNumber)
                 put("cardHolderName", c.cardHolderName)
                 put("loginTag", c.loginTag)
+                put("profileId", c.profileId)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
@@ -45,7 +46,8 @@ object CardsCache {
                     customerId       = o.optString("customerId"),
                     phoneNumber      = o.optString("phoneNumber"),
                     cardHolderName   = o.optString("cardHolderName"),
-                    loginTag         = o.optString("loginTag")
+                    loginTag         = o.optString("loginTag"),
+                    profileId        = o.optString("profileId")
                 )
             }
         } catch (_: Exception) { emptyList() }

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

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

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

@@ -6,6 +6,7 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.api.bml.BmlHistoryClient
 import sh.sar.basedbank.api.fahipay.FahipayHistoryClient
+import sh.sar.basedbank.api.mfaisa.MfaisaHistoryClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.MibHistoryClient
 import sh.sar.basedbank.api.models.BankTransaction
@@ -24,6 +25,8 @@ class HistoryFetcher(private val account: BankAccount) {
     private val isBmlCard get() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" || account.profileType == "BML_DEBIT"
     private val isBmlLoan get() = account.profileType == "BML_LOAN"
     private val isFahipay get() = account.bank == "FAHIPAY"
+    private val isMfaisa  get() = account.bank == "MFAISA"
+    private val isMfaisaPaypal get() = account.profileType == "MFAISA_PAYPAL"
 
     // MIB pagination
     private var mibNextStart  = 1
@@ -35,17 +38,39 @@ class HistoryFetcher(private val account: BankAccount) {
 
     // BML card pagination (month-based)
     private var cardMonthOffset = 0
+    private var pendingCardOutstanding: List<BankTransaction>? = null
+    private var pendingCardUnbilled: List<BankTransaction>? = null
+
+    /**
+     * Returns and clears the card outstanding + unbilled lists captured on the first card
+     * fetch. Each list is only ever returned once.
+     */
+    fun takeCardPendingSections(): Pair<List<BankTransaction>, List<BankTransaction>>? {
+        val o = pendingCardOutstanding
+        val u = pendingCardUnbilled
+        if (o == null && u == null) return null
+        pendingCardOutstanding = null
+        pendingCardUnbilled = null
+        return Pair(o ?: emptyList(), u ?: emptyList())
+    }
 
     // Fahipay pagination
     private var fahipayNextStart = 0
     private var fahipayTotal     = -1
 
+    // M-Faisa pagination — the server doesn't return a "total" field, so we infer "more pages exist"
+    // from whether the last page was full-sized.
+    private var mfaisaNextPage = 1
+    private var mfaisaHasMore  = true
+
     fun hasMore(): Boolean = when {
-        isBmlLoan -> false
-        isFahipay -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-        isMib     -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
-        isBmlCard -> cardMonthOffset < 3
-        else      -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
+        isBmlLoan      -> false
+        isMfaisaPaypal -> false  // PayPal pockets have no known history endpoint
+        isFahipay      -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
+        isMib          -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
+        isBmlCard      -> cardMonthOffset < 3
+        isMfaisa       -> mfaisaHasMore
+        else           -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
     }
 
     suspend fun fetchNextPage(app: BasedBankApp, pageSize: Int = 10): List<BankTransaction> = when {
@@ -53,9 +78,36 @@ class HistoryFetcher(private val account: BankAccount) {
         isFahipay -> withContext(Dispatchers.IO) { fetchFahipay(app) }
         isMib     -> app.mibMutex.withLock { withContext(Dispatchers.IO) { fetchMib(app, pageSize) } }
         isBmlCard -> withContext(Dispatchers.IO) { fetchBmlCard(app) }
+        isMfaisa  -> withContext(Dispatchers.IO) { fetchMfaisa(app) }
         else      -> withContext(Dispatchers.IO) { fetchBmlCasa(app) }
     }
 
+    private fun fetchMfaisa(app: BasedBankApp): List<BankTransaction> {
+        val loginId = account.loginTag.removePrefix("mfaisa_")
+        var session = app.mfaisaSessionFor(account) ?: return emptyList()
+        val page = try {
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        } catch (_: sh.sar.basedbank.api.mfaisa.MfaisaSessionExpiredException) {
+            session = app.refreshMfaisaSession(loginId) ?: return emptyList()
+            MfaisaHistoryClient().fetchHistory(
+                session            = session,
+                accountNumber      = account.accountNumber,
+                accountDisplayName = account.accountBriefName,
+                pageNo             = mfaisaNextPage,
+                recordSize         = 70
+            )
+        }
+        mfaisaHasMore = page.hasMore
+        mfaisaNextPage++
+        return page.transactions
+    }
+
     private fun fetchFahipay(app: BasedBankApp): List<BankTransaction> {
         val session = app.fahipaySessionFor(account) ?: return emptyList()
         val (list, total) = FahipayHistoryClient().fetchHistory(
@@ -90,16 +142,22 @@ class HistoryFetcher(private val account: BankAccount) {
     private fun fetchBmlCard(app: BasedBankApp): List<BankTransaction> {
         val session = app.bmlSessionFor(account) ?: return emptyList()
         val cal = Calendar.getInstance()
+        val isFirstFetch = cardMonthOffset == 0
         cal.add(Calendar.MONTH, -cardMonthOffset)
         val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
         cardMonthOffset++
-        return BmlHistoryClient().fetchCardHistory(
+        val result = BmlHistoryClient().fetchCardHistory(
             session            = session,
             cardId             = account.internalId,
             accountDisplayName = account.accountBriefName,
             accountNumber      = account.accountNumber,
             month              = month
         )
+        if (isFirstFetch) {
+            pendingCardOutstanding = result.outstanding
+            pendingCardUnbilled = result.unbilled
+        }
+        return result.statement
     }
 
     private fun fetchBmlCasa(app: BasedBankApp): List<BankTransaction> {

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

@@ -0,0 +1,53 @@
+package sh.sar.basedbank.util
+
+import android.content.ComponentName
+import android.content.Context
+import android.content.Intent
+import android.nfc.NfcAdapter
+import android.nfc.cardemulation.CardEmulation
+import android.provider.Settings
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import sh.sar.basedbank.R
+import sh.sar.basedbank.nfc.BmlHostCardEmulatorService
+
+object NfcPaymentUtil {
+    fun checkAndProceed(context: Context, onReady: () -> Unit) {
+        val nfcAdapter = NfcAdapter.getDefaultAdapter(context) ?: run {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_unsupported_title)
+                .setMessage(R.string.nfc_unsupported_message)
+                .setPositiveButton(android.R.string.ok, null)
+                .show()
+            return
+        }
+
+        if (!nfcAdapter.isEnabled) {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_disabled_title)
+                .setMessage(R.string.nfc_disabled_message)
+                .setPositiveButton(R.string.nfc_open_settings) { _, _ ->
+                    context.startActivity(Intent(Settings.ACTION_NFC_SETTINGS))
+                }
+                .setNegativeButton(R.string.cancel, null)
+                .show()
+            return
+        }
+
+        val cardEmulation = CardEmulation.getInstance(nfcAdapter)
+        val componentName = ComponentName(context, BmlHostCardEmulatorService::class.java)
+        if (!cardEmulation.isDefaultServiceForCategory(componentName, CardEmulation.CATEGORY_PAYMENT)) {
+            MaterialAlertDialogBuilder(context)
+                .setTitle(R.string.nfc_not_default_title)
+                .setMessage(context.getString(R.string.nfc_not_default_message,
+                    context.applicationInfo.loadLabel(context.packageManager)))
+                .setPositiveButton(R.string.nfc_payment_open_settings) { _, _ ->
+                    context.startActivity(Intent(Settings.ACTION_NFC_PAYMENT_SETTINGS))
+                }
+                .setNegativeButton(R.string.cancel, null)
+                .show()
+            return
+        }
+
+        onReady()
+    }
+}

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

@@ -0,0 +1,116 @@
+package sh.sar.basedbank.util
+
+import android.net.Uri
+import android.util.Base64
+
+data class OtpEntry(val name: String, val issuer: String, val secret: String)
+
+object OtpauthParser {
+
+    fun parse(raw: String): List<OtpEntry> = when {
+        raw.startsWith("otpauth-migration://") -> parseMigration(raw)
+        raw.startsWith("otpauth://") -> parseStandard(raw)?.let { listOf(it) } ?: emptyList()
+        else -> emptyList()
+    }
+
+    private fun parseStandard(raw: String): OtpEntry? {
+        val uri = Uri.parse(raw)
+        val secret = uri.getQueryParameter("secret") ?: return null
+        val issuer = uri.getQueryParameter("issuer") ?: ""
+        val label = uri.path?.trimStart('/') ?: ""
+        val name = if (':' in label) label.substringAfter(':').trim() else label
+        return OtpEntry(name, issuer, secret.uppercase())
+    }
+
+    private fun parseMigration(raw: String): List<OtpEntry> {
+        val data = Uri.parse(raw).getQueryParameter("data") ?: return emptyList()
+        val bytes = try { Base64.decode(data, Base64.DEFAULT) } catch (_: Exception) { return emptyList() }
+        val reader = ProtobufReader(bytes)
+        val entries = mutableListOf<OtpEntry>()
+        while (reader.hasMore()) {
+            val tag = reader.readVarint().toInt()
+            val fieldNum = tag ushr 3
+            val wireType = tag and 0x7
+            if (fieldNum == 1 && wireType == 2) {
+                parseOtpParameters(reader.readBytes())?.let { entries.add(it) }
+            } else {
+                reader.skip(wireType)
+            }
+        }
+        return entries
+    }
+
+    private fun parseOtpParameters(bytes: ByteArray): OtpEntry? {
+        val reader = ProtobufReader(bytes)
+        var secret: ByteArray? = null
+        var name = ""
+        var issuer = ""
+        var type = 2 // default to TOTP
+        while (reader.hasMore()) {
+            val tag = reader.readVarint().toInt()
+            val fieldNum = tag ushr 3
+            val wireType = tag and 0x7
+            when (fieldNum) {
+                1 -> secret = reader.readBytes()
+                2 -> name = String(reader.readBytes(), Charsets.UTF_8)
+                3 -> issuer = String(reader.readBytes(), Charsets.UTF_8)
+                6 -> type = reader.readVarint().toInt()
+                else -> reader.skip(wireType)
+            }
+        }
+        if (type == 1) return null // skip HOTP
+        val secretBase32 = base32Encode(secret ?: return null)
+        return OtpEntry(name, issuer, secretBase32)
+    }
+
+    private fun base32Encode(bytes: ByteArray): String {
+        val alphabet = "ABCDEFGHIJKLMNOPQRSTUVWXYZ234567"
+        val sb = StringBuilder()
+        var buffer = 0
+        var bitsLeft = 0
+        for (b in bytes) {
+            buffer = (buffer shl 8) or (b.toInt() and 0xFF)
+            bitsLeft += 8
+            while (bitsLeft >= 5) {
+                bitsLeft -= 5
+                sb.append(alphabet[(buffer ushr bitsLeft) and 0x1F])
+            }
+        }
+        if (bitsLeft > 0) sb.append(alphabet[(buffer shl (5 - bitsLeft)) and 0x1F])
+        return sb.toString()
+    }
+
+    private class ProtobufReader(private val bytes: ByteArray) {
+        private var pos = 0
+
+        fun hasMore() = pos < bytes.size
+
+        fun readVarint(): Long {
+            var result = 0L
+            var shift = 0
+            while (pos < bytes.size) {
+                val b = bytes[pos++].toInt() and 0xFF
+                result = result or ((b and 0x7F).toLong() shl shift)
+                if (b and 0x80 == 0) break
+                shift += 7
+            }
+            return result
+        }
+
+        fun readBytes(): ByteArray {
+            val len = readVarint().toInt()
+            val data = bytes.copyOfRange(pos, pos + len)
+            pos += len
+            return data
+        }
+
+        fun skip(wireType: Int) {
+            when (wireType) {
+                0 -> readVarint()
+                1 -> pos += 8
+                2 -> readBytes()
+                5 -> pos += 4
+            }
+        }
+    }
+}

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

@@ -9,22 +9,58 @@ data class PaymvQrData(
 
 object PaymvQrParser {
 
+    private const val BML_GATEWAY_PREFIX = "https://pay.bml.com.mv/app/"
+    private const val BML_EBANKING_PREFIX = "https://ebanking.bankofmaldives.com.mv/qrpay/"
+    private const val BML_POS_DOMAIN = "mv.com.bml.qtr"
+
     /**
-     * Returns the BML gateway URL if [raw] is or contains one, otherwise null.
-     * Handles both plain URL QRs and combined EMV QRs (e.g. Fahipay+BML card QR).
-     * For combined EMV QRs the URL is parsed from TLV (root tag 35 → sub-tag 20 → sub-sub-tag 01)
-     * rather than via regex, to avoid greedily consuming subsequent EMV tag bytes.
+     * Returns the value to hand to the BML QR payment flow, or null when [raw] is not a BML QR.
+     *
+     * Three shapes exist:
+     *  - plain URL QRs — the QR text is the gateway short link or an ebanking `qrpay` link;
+     *  - combined EMV QRs (e.g. Fahipay+BML card QRs), which carry the full gateway URL in TLV at
+     *    `35` → `20` → `01`;
+     *  - BML POS QRs (supplementary data domain `mv.com.bml.qtr`), where the same TLV path holds a
+     *    bare reference such as `02:<32 hex>` rather than a URL. Those return the whole EMV payload,
+     *    which [bmlPayRequestKey] then reduces back to the reference the lookup wants.
+     *
+     * The TLV is walked rather than regex-matched so a URL cannot greedily swallow the EMV tags
+     * that follow it.
      */
-    fun extractBmlGatewayUrl(raw: String): String? {
-        if (raw.startsWith("https://pay.bml.com.mv/app/")) return raw
-        return try {
-            val root = parseTlv(raw)
-            val bmlMerchantInfo = root["35"]?.let { parseTlv(it) } ?: return null
-            val inner = bmlMerchantInfo["20"]?.let { parseTlv(it) } ?: return null
-            inner["01"]?.takeIf { it.startsWith("https://pay.bml.com.mv/app/") }
-        } catch (_: Exception) {
-            null
-        }
+    fun bmlQrPayTarget(raw: String): String? {
+        if (raw.startsWith(BML_GATEWAY_PREFIX) || raw.startsWith(BML_EBANKING_PREFIX)) return raw
+        val ref = bmlQrReference(raw) ?: return null
+        if (ref.startsWith("https://")) return ref.takeIf { it.startsWith(BML_GATEWAY_PREFIX) }
+        // A bare reference only means a BML POS QR when the supplementary domain says so; anything
+        // else keeps falling through to the PayMV parse, as it did before POS QRs existed.
+        return raw.takeIf { supplementaryDomain(it)?.startsWith(BML_POS_DOMAIN) == true }
+    }
+
+    /** TLV `80` → `00` — the supplementary data domain (`mv.favara.mpqr`, `mv.com.bml.qtr`, …). */
+    private fun supplementaryDomain(raw: String): String? = try {
+        parseTlv(raw)["80"]?.let { parseTlv(it) }?.get("00")
+    } catch (_: Exception) {
+        null
+    }
+
+    /** TLV `35` → `20` → `01` — the BML payment reference carried inside an EMV QR. */
+    private fun bmlQrReference(raw: String): String? = try {
+        val merchantInfo = parseTlv(raw)["35"]?.let { parseTlv(it) }
+        val inner = merchantInfo?.get("20")?.let { parseTlv(it) }
+        inner?.get("01")?.takeIf { it.isNotBlank() }
+    } catch (_: Exception) {
+        null
+    }
+
+    /**
+     * The `payrequest` lookup key for [target] (a value returned by [bmlQrPayTarget]), to be
+     * Base64-encoded into the URL. URL QRs resolve under the URL itself; POS QRs resolve under the
+     * bare `35` → `20` → `01` reference (the whole EMV payload is rejected with code 112,
+     * "Unsupported payment link").
+     */
+    fun bmlPayRequestKey(target: String): String {
+        if (target.startsWith("https://")) return target
+        return bmlQrReference(target) ?: target
     }
 
     fun parse(raw: String): PaymvQrData? {

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

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

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

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

app/src/main/java/sh/sar/basedbank/util/bmlapi/BmlCardParser.kt

@@ -36,9 +36,9 @@ object BmlCardParser {
         "C8902", "C8907", "C8909", "C8912", "C8992", "C8996", "C8997", "C8982", "C8983" -> "cards/bml/master_islamic.png"
         "C8101" -> "cards/bml/master_masveriyaa.png"
         "C8102" -> "cards/bml/master_odiveriyaa.png"
-        "C8010", "C8011" -> "cards/bml/master_platinum.png"
+        "C8010", "C8011", "C8033" -> "cards/bml/master_platinum.png"
         "C8040", "C8044" -> "cards/bml/master_world.png"
-        "C8030", "C8033" -> "cards/bml/master_business_debit.png"
+        "C8030" -> "cards/bml/master_business_debit.png"
         "C8901", "C8991", "C8980", "C8981" -> "cards/bml/master_passport.png"
         "C1090", "C1130", "C1033", "C1133" -> "cards/bml/visa_corporate.png"
         "C8905", "C8995" -> "cards/bml/visa_credit.png"

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

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

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

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

app/src/main/java/sh/sar/basedbank/util/mibapi/MibHistoryParser.kt

@@ -10,7 +10,7 @@ object MibHistoryParser {
         return AccountHistoryDisplay(
             name             = account.accountBriefName,
             number           = account.accountNumber,
-            bankPill         = null,   // MIB has no bank pill
+            bankPill         = "MIB",
             typeLabel        = MibAccountParser.productLabel(account.accountTypeName),
             availableBalance = "${account.currencyName} ${account.availableBalance}",
             workingBalance   = "${account.currencyName} ${account.currentBalance}",

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

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

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

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

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

@@ -5,9 +5,9 @@
     android:viewportWidth="24"
     android:viewportHeight="24">
 
-    <!-- Bell body (white) -->
+    <!-- Bell body -->
     <path
-        android:fillColor="@android:color/white"
+        android:fillColor="?attr/colorControlNormal"
         android:pathData="M12,22c1.1,0 2,-0.9 2,-2h-4c0,1.1 0.9,2 2,2zM18,16v-5c0,-3.07-1.63,-5.64-4.5,-6.32V4c0,-0.83-0.67,-1.5-1.5,-1.5s-1.5,0.67-1.5,1.5v0.68C7.64,5.36 6,7.92 6,11v5l-2,2v1h16v-1l-2,-2z"/>
 
     <!-- Unread notification dot (red) -->

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

@@ -0,0 +1,13 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24"
+    android:tint="?attr/colorControlNormal">
+
+    <path
+        android:fillColor="@android:color/white"
+        android:pathData="M12,22c1.1,0 2,-0.9 2,-2h-4c0,1.1 0.9,2 2,2zM18,16v-5c0,-3.07-1.63,-5.64-4.5,-6.32V4c0,-0.83-0.67,-1.5-1.5,-1.5s-1.5,0.67-1.5,1.5v0.68C7.64,5.36 6,7.92 6,11v5l-2,2v1h16v-1l-2,-2z"/>
+
+</vector>

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

@@ -0,0 +1,10 @@
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24"
+    android:tint="?attr/colorControlNormal">
+    <path
+        android:fillColor="@android:color/white"
+        android:pathData="M12,2C6.48,2 2,6.48 2,12s4.48,10 10,10 10,-4.48 10,-10S17.52,2 12,2zM13,17h-2v-6h2v6zM13,9h-2L11,7h2v2z"/>
+</vector>

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

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

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

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

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

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

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

@@ -0,0 +1,15 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="124dp"
+    android:height="26dp"
+    android:viewportWidth="124"
+    android:viewportHeight="26">
+
+    <path
+        android:fillColor="#ED1C24"
+        android:pathData="M120.111 2.777c-1.766 0-3.174 1.437-3.174 3.195a3.18 3.18 0 0 0 3.174 3.194c1.766 0 3.174-1.437 3.174-3.194a3.168 3.168 0 0 0-3.174-3.195ZM109.457 21.046c-2.679 0-4.841-2.196-4.841-4.872 0-2.695 2.162-4.871 4.841-4.871 2.658 0 4.841 2.196 4.841 4.871 0 2.676-2.163 4.872-4.841 4.872Zm-17.678 0c-2.678 0-4.84-2.196-4.84-4.872 0-2.695 2.162-4.871 4.84-4.871 2.679 0 4.841 2.196 4.841 4.871 0 2.676-2.162 4.872-4.84 4.872Zm-17.657 0c-1.31 0-2.52-0.519-3.452-1.457a4.87 4.87 0 0 1-1.39-3.494c0.04-2.556 2.223-4.772 4.763-4.792h0.079c1.29 0 2.48 0.499 3.392 1.397a4.846 4.846 0 0 1 1.449 3.474c0 2.676-2.183 4.872-4.841 4.872Zm-21.785-6.768a4.803 4.803 0 0 1 4.464-2.975 4.775 4.775 0 0 1 4.445 2.994l-8.909-0.02ZM27.22 21.046c-2.678 0-4.84-2.196-4.84-4.872 0-2.695 2.181-4.871 4.84-4.871s4.841 2.196 4.841 4.871c0 2.676-2.163 4.872-4.84 4.872Zm-17.677 0c-2.679 0-4.841-2.196-4.841-4.872 0-2.695 2.182-4.871 4.84-4.871 2.679 0 4.842 2.196 4.842 4.871 0 2.676-2.163 4.872-4.841 4.872ZM109.457 7.27c-4.881 0-8.849 3.994-8.849 8.885 0-4.911-3.968-8.885-8.829-8.885-4.86 0-8.828 3.974-8.848 8.865l0.02-14.056c0-0.639-0.516-1.158-1.151-1.158h-1.726c-0.635 0-1.15 0.519-1.15 1.158l-0.02 6.629-0.219-0.14c-2.56-1.597-5.734-1.737-8.511-0.42-2.46 1.199-4.226 3.515-4.762 6.23a8.989 8.989 0 0 0-2.54-4.652 8.69 8.69 0 0 0-6.467-2.476c-2.183 0.08-4.187 0.999-5.694 2.436-1.746-1.797-4.167-2.675-6.726-2.456-1.409 0.12-2.798 0.72-4.047 1.698v-0.46a0.986 0.986 0 0 0-0.992-0.998H37.02a1.02 1.02 0 0 0-1.012 1.018v7.468c-0.099-4.832-4.008-8.726-8.829-8.726-4.88 0-8.848 3.994-8.848 8.886 0-4.912-3.968-8.886-8.83-8.886-4.88 0-8.848 3.994-8.848 8.886C0.654 21.026 4.622 25 9.503 25c4.86 0 8.829-3.994 8.829-8.886C18.332 21.026 22.3 25 27.18 25c4.822 0 8.73-3.894 8.83-8.726v7.687c0 0.56 0.436 0.999 0.991 0.999h1.925a1.02 1.02 0 0 0 1.011-1.019l0.08-8.046c0-2.516 1.746-4.473 4.246-4.732a4.882 4.882 0 0 1 4.186 1.657l0.06 0.08a8.324 8.324 0 0 0-0.616 3.135c-0.04 4.572 3.334 8.406 7.857 8.905l0.476 0.04c0.258 0.02 0.536 0.02 0.814 0.02h0.297c2.282-0.06 4.206-0.72 5.694-1.937l0.02-0.02 0.06-0.04 0.615-0.56a0.725 0.725 0 0 0 0.238-0.618 0.753 0.753 0 0 0-0.397-0.58l-2.262-1.257c-0.297-0.18-0.595-0.14-0.913 0.06l-0.416 0.28c-0.754 0.459-1.667 0.698-2.6 0.738h-0.217c-0.437 0-0.873-0.04-1.29-0.12-1.448-0.28-2.658-1.198-3.353-2.515l-0.218-0.52h13.154a8.871 8.871 0 0 0 2.142 4.233 8.826 8.826 0 0 0 6.548 2.916c4.86 0 8.829-3.994 8.829-8.886 0 4.892 3.968 8.886 8.848 8.886 4.88 0 8.829-3.994 8.829-8.886 0 4.912 3.968 8.886 8.849 8.886 4.88 0 8.828-3.994 8.828-8.886-0.02-4.911-3.988-8.905-8.868-8.905Z" />
+
+    <path
+        android:fillColor="#ED1C24"
+        android:pathData="M18.372 16.155c0-4.912-3.968-8.885-8.829-8.885-4.88 0-8.849 3.993-8.849 8.885 0 4.912 3.968 8.885 8.849 8.885 4.88 0.02 8.829-3.973 8.829-8.885Zm-8.829 4.871c-2.678 0-4.841-2.196-4.841-4.871 0-2.696 2.182-4.872 4.841-4.872 2.678 0 4.84 2.196 4.84 4.872 0 2.695-2.162 4.871-4.84 4.871Z" />
+</vector>

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

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

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

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

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

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

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

@@ -58,6 +58,7 @@
         </com.google.android.material.textfield.TextInputLayout>
 
         <com.google.android.material.textfield.TextInputLayout
+            android:id="@+id/tilPassword"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:hint="@string/password"
@@ -73,22 +74,42 @@
                 android:singleLine="true" />
         </com.google.android.material.textfield.TextInputLayout>
 
-        <com.google.android.material.textfield.TextInputLayout
-            android:id="@+id/tilOtpSeed"
+        <LinearLayout
+            android:id="@+id/rowOtpSeed"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:hint="@string/otp_seed"
-            android:layout_marginBottom="8dp"
-            app:endIconMode="password_toggle"
-            style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
-            <com.google.android.material.textfield.TextInputEditText
-                android:id="@+id/etOtpSeed"
-                android:layout_width="match_parent"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:layout_marginBottom="8dp">
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilOtpSeed"
+                android:layout_width="0dp"
                 android:layout_height="wrap_content"
-                android:inputType="textPassword"
-                android:imeOptions="actionDone"
-                android:singleLine="true" />
-        </com.google.android.material.textfield.TextInputLayout>
+                android:layout_weight="1"
+                android:hint="@string/otp_seed"
+                app:endIconMode="password_toggle"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox">
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etOtpSeed"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:inputType="textPassword"
+                    android:imeOptions="actionDone"
+                    android:singleLine="true" />
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnScanOtpSeed"
+                style="@style/Widget.Material3.Button.IconButton"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp"
+                app:icon="@drawable/ic_qr_scan"
+                android:contentDescription="@string/scan_otp_qr"
+                android:tooltipText="@string/scan_otp_qr" />
+
+        </LinearLayout>
 
         <com.google.android.material.textfield.TextInputLayout
             android:id="@+id/tilTotpCode"

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

@@ -246,18 +246,10 @@
             android:layout_width="0dp"
             android:layout_height="wrap_content"
             android:layout_weight="1"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:text="Save"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnDone"
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:layout_marginStart="4dp"
-            android:text="Done" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -0,0 +1,385 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical"
+    android:background="?attr/colorSurface">
+
+    <ScrollView
+        android:id="@+id/receiptContainer"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:overScrollMode="never"
+        android:scrollbars="none">
+
+        <!-- ════════════════════════════════════════════════════════════════════ -->
+        <!-- Renderable receipt card                                              -->
+        <!-- ════════════════════════════════════════════════════════════════════ -->
+        <LinearLayout
+            android:id="@+id/receiptCard"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:background="#FFFFFF">
+
+            <!-- Top: m-faisaa logo on white -->
+            <ImageView
+                android:layout_width="78dp"
+                android:layout_height="102dp"
+                android:layout_gravity="center_horizontal"
+                android:layout_marginTop="42dp"
+                android:src="@drawable/mfaisaa_logo_with_text"
+                android:contentDescription="@null" />
+
+            <!-- White→gray fade leading into the top zigzag tear -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="38dp"
+                android:layout_marginTop="22dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_top" />
+
+            <!-- Top zigzag tear: white teeth poking up into the gray fade above -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_top"
+                android:contentDescription="@null" />
+
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <!-- Receipt body                                                     -->
+            <!-- ════════════════════════════════════════════════════════════════ -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="vertical"
+                android:background="#FFFFFF"
+                android:paddingHorizontal="24dp"
+                android:paddingTop="40dp"
+                android:paddingBottom="32dp">
+
+                <!-- Total amount row with green check -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="horizontal"
+                    android:gravity="center_vertical">
+
+                    <LinearLayout
+                        android:layout_width="0dp"
+                        android:layout_height="wrap_content"
+                        android:layout_weight="1"
+                        android:orientation="vertical">
+
+                        <TextView
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:text="Total Amount"
+                            android:textSize="13sp"
+                            android:textStyle="bold"
+                            android:textColor="#7A7A7A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                        <TextView
+                            android:id="@+id/tvAmount"
+                            android:layout_width="wrap_content"
+                            android:layout_height="wrap_content"
+                            android:layout_marginTop="4dp"
+                            android:textSize="30sp"
+                            android:textStyle="bold"
+                            android:textColor="#A2D40A"
+                            android:fontFamily="@font/nunito_sans" />
+
+                    </LinearLayout>
+
+                    <ImageView
+                        android:layout_width="28dp"
+                        android:layout_height="28dp"
+                        android:src="@drawable/ic_mfaisa_receipt_check"
+                        android:contentDescription="@null" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:layout_marginTop="20dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Status -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Status"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvStatus"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:text="Success"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Transaction type -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Transaction type"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvTransactionType"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- From -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="From"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvFromMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- To -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="To"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToName"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvToMsisdn"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <View
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA" />
+
+                <!-- Date & Time -->
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Date &amp; Time"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvDateTime"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+                <!-- Remarks (hidden when empty) -->
+                <View
+                    android:id="@+id/remarksDivider"
+                    android:layout_width="match_parent"
+                    android:layout_height="1dp"
+                    android:background="#EAEAEA"
+                    android:visibility="gone" />
+
+                <LinearLayout
+                    android:id="@+id/remarksRow"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:paddingVertical="14dp"
+                    android:visibility="gone">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Remarks"
+                        android:textSize="13sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                    <TextView
+                        android:id="@+id/tvRemarks"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="2dp"
+                        android:textSize="15sp"
+                        android:textStyle="bold"
+                        android:textColor="#7A7A7A"
+                        android:fontFamily="@font/nunito_sans" />
+
+                </LinearLayout>
+
+            </LinearLayout>
+
+            <!-- Bottom zigzag tear: white teeth poking down into the gray fade below -->
+            <ImageView
+                android:layout_width="match_parent"
+                android:layout_height="20dp"
+                android:scaleType="fitXY"
+                android:src="@drawable/receipt_mfaisa_bottom"
+                android:contentDescription="@null" />
+
+            <!-- Gray→white fade trailing the bottom zigzag -->
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="40dp"
+                android:background="@drawable/bg_mfaisa_receipt_gradient_bottom" />
+
+        </LinearLayout>
+
+    </ScrollView>
+
+    <!-- ════════════════════════════════════════════════════════════════════════ -->
+    <!-- Action buttons — outside renderable area                                 -->
+    <!-- ════════════════════════════════════════════════════════════════════════ -->
+    <LinearLayout
+        android:id="@+id/btnRow"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="horizontal"
+        android:background="?attr/colorSurface"
+        android:paddingHorizontal="12dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="12dp">
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnShare"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginEnd="4dp"
+            android:text="Share"
+            app:icon="@drawable/ic_share" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSave"
+            style="@style/Widget.Material3.Button.OutlinedButton"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:layout_marginStart="4dp"
+            android:text="Save"
+            app:icon="@drawable/ic_save" />
+
+    </LinearLayout>
+
+</LinearLayout>

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

@@ -273,18 +273,10 @@
             android:layout_width="0dp"
             android:layout_height="wrap_content"
             android:layout_weight="1"
-            android:layout_marginHorizontal="4dp"
+            android:layout_marginStart="4dp"
             android:text="Save"
             app:icon="@drawable/ic_save" />
 
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnDone"
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:layout_marginStart="4dp"
-            android:text="Done" />
-
     </LinearLayout>
 
 </LinearLayout>

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

@@ -0,0 +1,222 @@
+<?xml version="1.0" encoding="utf-8"?>
+<ScrollView
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:background="?attr/colorSurface">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:padding="24dp">
+
+        <ImageView
+            android:id="@+id/ivLogo"
+            android:layout_width="72dp"
+            android:layout_height="72dp"
+            android:layout_gravity="center_horizontal"
+            android:layout_marginBottom="16dp"
+            android:src="@drawable/ic_logo"
+            android:contentDescription="@string/app_name" />
+
+        <TextView
+            android:id="@+id/tvAppName"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center_horizontal"
+            android:textAppearance="?attr/textAppearanceHeadlineSmall"
+            android:layout_marginBottom="4dp" />
+
+        <TextView
+            android:id="@+id/tvVersion"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_gravity="center_horizontal"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:alpha="0.6"
+            android:layout_marginBottom="20dp" />
+
+        <View
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:background="?attr/colorOutlineVariant"
+            android:layout_marginBottom="24dp" />
+
+        <TextView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/about_legal"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:layout_marginBottom="24dp" />
+
+        <View
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:background="?attr/colorOutlineVariant"
+            android:layout_marginBottom="16dp" />
+
+        <TextView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:text="@string/about_terms"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:layout_marginBottom="4dp" />
+
+        <LinearLayout
+            android:id="@+id/rowMibTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/mib_logo"
+                android:scaleType="fitCenter"
+                android:contentDescription="MIB" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Maldives Islamic Bank"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowBmlTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/bml_icon"
+                android:scaleType="fitCenter"
+                android:contentDescription="BML" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Bank of Maldives"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowFahipayTerms"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical"
+            android:paddingVertical="12dp"
+            android:background="?attr/selectableItemBackground">
+
+            <ImageView
+                android:layout_width="32dp"
+                android:layout_height="32dp"
+                android:layout_marginEnd="16dp"
+                android:src="@drawable/fahipay_logo"
+                android:scaleType="fitCenter"
+                android:contentDescription="Fahipay" />
+
+            <TextView
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:text="Fahipay"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <ImageView
+                android:layout_width="18dp"
+                android:layout_height="18dp"
+                android:src="@drawable/ic_arrow_right"
+                android:alpha="0.4"
+                android:contentDescription="@null" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sectionDonate"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical">
+
+            <View
+                android:layout_width="match_parent"
+                android:layout_height="1dp"
+                android:background="?attr/colorOutlineVariant"
+                android:layout_marginTop="8dp"
+                android:layout_marginBottom="16dp" />
+
+            <TextView
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:text="@string/about_donate_title"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:layout_marginBottom="6dp" />
+
+            <TextView
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:text="@string/about_donate_desc"
+                android:textAppearance="?attr/textAppearanceBodyMedium"
+                android:alpha="0.7"
+                android:layout_marginBottom="16dp" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:gravity="center_vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDonateMvr"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:layout_marginEnd="8dp"
+                    android:text="@string/about_donate_mvr" />
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDonateUsd"
+                    style="@style/Widget.Material3.Button.OutlinedButton"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="@string/about_donate_usd" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</ScrollView>

app/src/main/res/navigation/login_nav.xml

@@ -43,6 +43,19 @@
                 android:defaultValue="MIB" />
         </action>
 
+        <action
+            android:id="@+id/action_bankSelection_to_credentials_ooredoo"
+            app:destination="@id/credentialsFragment"
+            app:enterAnim="@anim/slide_in_right"
+            app:exitAnim="@anim/slide_out_left"
+            app:popEnterAnim="@anim/slide_in_left"
+            app:popExitAnim="@anim/slide_out_right">
+            <argument
+                android:name="bankType"
+                app:argType="string"
+                android:defaultValue="MIB" />
+        </action>
+
     </fragment>
 
     <fragment

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

@@ -28,6 +28,11 @@
     <string name="fahipay_totp_code">Authenticator Code (6 digits)</string>
     <string name="fahipay_totp_hint">Enter the code from your authenticator app</string>
     <string name="fahipay_verify">Verify</string>
+    <string name="ooredoo_name">Ooredoo M-Faisa</string>
+    <string name="ooredoo_desc">Mobile Wallet</string>
+    <string name="ooredoo_sign_in_desc">Enter your mobile number and 4-digit mPIN.</string>
+    <string name="ooredoo_phone">Mobile Number</string>
+    <string name="ooredoo_pin">mPIN</string>
     <string name="sign_in">Sign In</string>
     <string name="sign_in_desc">Enter your Maldives Islamic Bank credentials.</string>
     <string name="bml_sign_in_desc">Enter your Bank of Maldives credentials.</string>
@@ -35,6 +40,7 @@
     <string name="password">Password</string>
     <string name="otp_seed">OTP Seed (TOTP Secret)</string>
     <string name="otp_seed_hint">The Base32 secret from your authenticator setup</string>
+    <string name="scan_otp_qr">Scan OTP QR</string>
     <string name="login">Login</string>
 
     <!-- Lock screen -->
@@ -138,7 +144,7 @@
     <string name="settings_biometrics">Use biometrics</string>
     <string name="settings_biometrics_unavailable">No biometrics enrolled on this device</string>
     <string name="settings_biometrics_unlock">To unlock app</string>
-    <string name="settings_biometrics_transfer">Confirm transfer</string>
+    <string name="settings_biometrics_transfer">Confirm transaction</string>
     <string name="biometric_transfer_title">Confirm Transfer</string>
     <string name="settings_autolock">Auto-lock</string>
     <string name="autolock_off">Off</string>
@@ -191,6 +197,27 @@
     <string name="settings_desc_appearance">Theme, language, and display options</string>
     <string name="settings_desc_privacy_security">App lock, PIN, and security preferences</string>
     <string name="settings_desc_storage">Manage cached data and storage usage</string>
+    <string name="settings_notifications">Notifications</string>
+    <string name="settings_desc_notifications">Background alerts for new bank activity</string>
+    <string name="settings_notif_section">Background Polling</string>
+    <string name="settings_notif_enable">Enable background notifications</string>
+    <string name="settings_notif_enable_desc">Receive alerts for new transactions and activity</string>
+    <string name="settings_notif_description">Keeps the app running in the background and notifies you of new bank activity. A persistent status bar notification is shown while active — you can silence or hide it in notification channels.</string>
+    <string name="settings_notif_open_system">Notification channels</string>
+    <string name="settings_notif_channels_desc">Manage sounds, alerts, and silence the background service notification</string>
+    <string name="notif_service_title">Thijooree</string>
+    <string name="notif_service_desc">Checking for new bank notifications</string>
+    <string name="notif_channel_service">Background service</string>
+    <string name="settings_about">About</string>
+    <string name="settings_desc_about">App info, version, and legal</string>
+    <string name="about_version">Version %s</string>
+    <string name="about_short_desc">Thijooree is a native Android client for Maldivian banking services.</string>
+    <string name="about_terms">Terms of Service</string>
+    <string name="about_donate_title">Support Development</string>
+    <string name="about_donate_desc">If you find this app useful, a small donation goes a long way in keeping it alive and improving.</string>
+    <string name="about_donate_mvr">Donate in MVR</string>
+    <string name="about_donate_usd">Donate in USD</string>
+    <string name="about_legal">Thijooree is an independent, third-party app. It is not affiliated with, endorsed by, or officially supported by any bank or financial institution.\n\nThis app works by logging into your internet banking services directly using your credentials and communicating with bank APIs. It is built using techniques derived from reverse-engineered official bank apps. Behaviour may change or break without notice if banks update their systems.\n\nDhiraagu and Ooredoo APIs are used to look up details about phone numbers.\n\nThis app does not collect any analytics, telemetry, or personal data, and does not transmit any information about you or your usage to the developer. Everything stays entirely on your device.</string>
     <string name="settings_logout">Log out</string>
     <string name="settings_logout_confirm_title">Log out of %s?</string>
     <string name="settings_logout_confirm_message">All cached data will be cleared and remaining accounts will be refreshed.</string>
@@ -258,7 +285,8 @@
     <string name="transfer_confirm">Confirm</string>
     <string name="transfer_success">Transfer Successful</string>
     <string name="transfer_bml_contact_required_title">Contact Required</string>
-    <string name="transfer_bml_contact_required_msg">To send USD to a MIB account from BML, the recipient must be saved as a BML contact first. This is required by BML\'s API.\n\nPlease add this account as a BML contact, then try again.</string>
+    <string name="transfer_bml_contact_required_msg">We couldn\'t verify the recipient\'s currency for this transfer.\n\nPlease save them as a contact, manually select the correct currency, then try again.</string>
+    <string name="transfer_bml_contact_required_msg_bml_limit">BML\'s API requires the recipient to be saved as a contact when sending USD to a non-BML account, even though we verified the account.\n\nPlease save them as a contact, then try again.</string>
     <string name="transfer_missing_internal_id">Account data is incomplete — please re-login to refresh.</string>
     <string name="transfer_verify_payment">Verify Payment</string>
     <string name="transfer_send_otp_via">Send verification code via</string>
@@ -334,12 +362,30 @@
     <string name="card_pay_qr">Scan to Pay</string>
     <string name="card_pay_nfc">Tap to Pay</string>
     <string name="mib_qr_nfc_not_supported">Skill issue on MIB side, Not supported</string>
+    <string name="nfc_unsupported_title">Not Supported</string>
+    <string name="nfc_unsupported_message">Tap to Pay is not supported on this device.</string>
+    <string name="nfc_disabled_title">NFC is Off</string>
+    <string name="nfc_disabled_message">Turn on NFC to use Tap to Pay.</string>
+    <string name="nfc_open_settings">NFC Settings</string>
+    <string name="nfc_not_default_title">Set Default Payment App</string>
+    <string name="nfc_not_default_message">Set %1$s as the default contactless payment app to use Tap to Pay.</string>
+    <string name="nfc_payment_open_settings">Payment Settings</string>
     <string name="card_manage">Manage Card</string>
     <string name="card_set_as_default">Set as Default Card</string>
     <string name="card_hide_from_dashboard">Hide from Dashboard</string>
     <string name="card_action_change_pin">Change PIN</string>
     <string name="card_action_freeze">Freeze</string>
+    <string name="card_action_unfreeze">Unfreeze</string>
     <string name="card_action_block">Block</string>
+    <string name="card_freeze_confirm_title">Freeze card?</string>
+    <string name="card_freeze_confirm_message">This will temporarily stop the card from being used. You can unfreeze it anytime you want to use it again.</string>
+    <string name="card_unfreeze_confirm_title">Unfreeze card?</string>
+    <string name="card_unfreeze_confirm_message">This will re-enable the card for transactions.</string>
+    <string name="card_freeze_success">Card frozen</string>
+    <string name="card_unfreeze_success">Card unfrozen</string>
+    <string name="card_freeze_failed">Failed to update card status</string>
+    <string name="card_freeze_comments_hint">Reason (optional)</string>
+    <string name="card_status_temp_blocked">Temporary blocked by client</string>
     <string name="cards_empty">No cards found</string>
 
     <!-- Connectivity banner -->

docs/bmlapi/01-login.md

@@ -211,6 +211,16 @@ GET https://www.bankofmaldives.com.mv/internetbanking/web/profile
 
 `302` redirect (to `/web/redirect` or similar). The server has auto-activated the sole profile and set the `blaze_identity` cookie. Skip Step 6 and proceed directly to [OAuth Token Exchange](03-oauth-token.md).
 
+In this fast-path the client has no real `profile_id` to track, so a placeholder `BmlProfile` is synthesized (`BmlLoginFlow.kt:127-135`):
+
+| Field | Value |
+|---|---|
+| `profileId` | `username` (used as a stable temporary ID — replaced by the real customer number after `fetchUserInfo`) |
+| `name` | `"Personal"` |
+| `type` | `"Profile"` |
+| `profileType` | `"default"` |
+| `autoActivated` | `true` — sentinel; `activateProfile` skips the Step 6 GET and goes straight to OAuth |
+
 ---
 
 ## Step 6 — Activate Profile

docs/bmlapi/03-oauth-token.md

@@ -135,19 +135,21 @@ POST https://www.bankofmaldives.com.mv/internetbanking/oauth/token
 
 **Content-Type:** `application/x-www-form-urlencoded`
 
+**HTTP `User-Agent` header**: the browser/web UA (same as the initial token exchange), not the app UA. See `BmlLoginFlow.kt:341`.
+
 | Field | Value |
 |---|---|
 | `grant_type` | `refresh_token` |
 | `refresh_token` | Stored refresh token |
 | `client_id` | `98C83590-513F-4716-B02B-EC68B7D9E7E7` |
 | `Device-ID` | Same device ID from the original login |
-| `User-Agent` | App user agent string |
+| `User-Agent` | App user agent string (form field — distinct from the HTTP header above) |
 | `x-app-version` | `2.1.44.348` |
 
 ```bash
 curl --request POST \
   --url 'https://www.bankofmaldives.com.mv/internetbanking/oauth/token' \
-  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'User-Agent: Mozilla/5.0 (Linux; Android {version}; {model}) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/... Mobile Safari/537.36' \
   --data 'grant_type=refresh_token' \
   --data 'refresh_token=def50200aabbcc...' \
   --data 'client_id=98C83590-513F-4716-B02B-EC68B7D9E7E7' \

docs/bmlapi/04-dashboard.md

@@ -78,7 +78,7 @@ curl --request GET \
         "currency": "MVR",
         "account_status": "Active",
         "prepaid_card": false,
-        "product_code": "VISA",
+        "product_code": "C1007",
         "account_visible": false,
         "cardBalance": {
           "AvailableLimit": 0.0,
@@ -94,7 +94,7 @@ curl --request GET \
         "currency": "MVR",
         "account_status": "Active",
         "prepaid_card": true,
-        "product_code": "VISA",
+        "product_code": "C1007",
         "account_visible": true,
         "cardBalance": {
           "AvailableLimit": 200.00,
@@ -164,7 +164,7 @@ curl --request GET \
 | Field | Type | Description |
 |---|---|---|
 | `prepaid_card` | `bool` | `true` for prepaid cards |
-| `product_code` | `string` | Card scheme (e.g. `"VISA"`) |
+| `product_code` | `string` | BML product code, always `Cxxxx` (e.g. `"C1007"`) — see mapping below |
 | `account_visible` | `bool` | `true` for credit cards, `false` for debit cards |
 | `cardBalance.AvailableLimit` | `number` | Available credit/prepaid balance |
 | `cardBalance.CurrentBalance` | `number` | Current outstanding balance |
@@ -179,15 +179,20 @@ curl --request GET \
 
 ### Product Code → Card Name
 
-The `product_code` field identifies the specific card product. Known mappings:
+The `product_code` field identifies the specific card product. Resolution is two-tiered (`util/bmlapi/BmlCardParser.kt`):
+
+1. **Network icon** (Visa / Mastercard / Amex chip in the corner) — by prefix: `C1*` → Visa, `C3*` → Amex, `C8*` → Mastercard, with `C8905` and `C8995` overridden to Visa.
+2. **Card image asset** — by exact-match list below; unknown codes fall back to `defaultcard.png`.
+
+Known asset mappings:
 
 | `product_code` | Card name | Asset |
 |---|---|---|
 | `C8201`, `C8001`, `C8009` | Mastercard Prepaid | `master_prepaid` |
 | `C8205`, `C8005`, `C8008` | Mastercard Prepaid Travel | `master_prepaid_travel` |
-| `C8010`, `C8011` | Mastercard Platinum | `master_platinum` |
+| `C8010`, `C8011`, `C8033` | Mastercard Platinum | `master_platinum` |
 | `C8020`, `C8022` | Mastercard Gold | `master_gold` |
-| `C8030`, `C8033` | Mastercard Business Debit | `master_business_debit` |
+| `C8030` | Mastercard Business Debit | `master_business_debit` |
 | `C8040`, `C8044` | Mastercard World | `master_world` |
 | `C8101` | Mastercard Masveriyaa | `master_masveriyaa` |
 | `C8102` | Mastercard Odiveriyaa | `master_odiveriyaa` |
@@ -202,12 +207,12 @@ The `product_code` field identifies the specific card product. Known mappings:
 | `C3009`, `C3019`, `C3029`, `C3099`, `C3088`, `C3188` | Amex Credit Gold | `amex_credit_gold` |
 | `C1001`, `C1011`, `C1082`, `C1081`, `C1101`, `C1111`, `C1181`, `C1182` | Visa Debit Generic | `visa_debit_generic` |
 | `C1003`, `C1013`, `C1083`, `C1084`, `C1103`, `C1113`, `C1183`, `C1184` | Visa Gold | `visa_gold` |
-| `C1005`, `C1006`, `C1089` | Visa Debit Islamic | `visa_debit_islamic` |
+| `C1005`, `C1006`, `C1030`, `C1089` | Visa Debit Islamic | `visa_debit_islamic` |
 | `C1007`, `C1027`, `C1097`, `C1107`, `C1197`, `C1077`, `C1177` | Visa Debit | `visa_debit` |
 | `C1009`, `C1019`, `C1085`, `C1086`, `C1109`, `C1119`, `C1185`, `C1186` | Visa Platinum | `visa_platinum` |
 | `C1017` | Visa Infinite | `visa_infinite` |
 | `C1020`, `C1021` | Visa Debit Platinum | `visa_debit_platinum` |
-| `C1030`, `C1090`, `C1130`, `C1033`, `C1133` | Visa Corporate | `visa_corporate` |
+| `C1090`, `C1130`, `C1033`, `C1133` | Visa Corporate | `visa_corporate` |
 | `C1040`, `C1041`, `C1047`, `C1048`, `C1050`, `C1051`, `C1087`, `C1088`, `C1140`, `C1141`, `C1147`, `C1148`, `C1150`, `C1151`, `C1187`, `C1188` | Visa Student Black | `visa_student_black` |
 | `C1059`, `C1062`, `C1070`, `C1072`, `C1159`, `C1162` | Mastercard Prepaid Business | `master_prepaid_business` |
 | `C1061`, `C1063`, `C1071`, `C1073`, `C1161`, `C1163` | Mastercard | `master` |

docs/bmlapi/06-account-history.md

@@ -187,6 +187,76 @@ Fall back to `bookingDate` as-is.
 
 ---
 
+## Pending History
+
+Locked / pending amounts for a CASA account (e.g. unsettled card authorisations, holds). Returned as a flat list — no pagination.
+
+### Endpoint
+
+```
+GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/history/pending/{accountId}
+```
+
+| Path parameter | Description |
+|---|---|
+| `accountId` | Internal account ID (`id` field from [dashboard](04-dashboard.md)) |
+
+### Headers
+
+| Header | Value |
+|---|---|
+| `Authorization` | `Bearer <access_token>` |
+| `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
+| `x-app-version` | `2.1.44.348` |
+
+```bash
+curl --request GET \
+  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/history/pending/abc123def456' \
+  --header 'Authorization: Bearer <access_token>' \
+  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'x-app-version: 2.1.44.348'
+```
+
+### Response
+
+```json
+{
+  "success": true,
+  "payload": [
+    {
+      "LockedID": "L00012345",
+      "FromDate": "2026-05-16",
+      "LockedAmount": 75.00,
+      "Description": "Card authorisation — Merchant Name"
+    }
+  ]
+}
+```
+
+### Response Fields
+
+| Field | Type | Description |
+|---|---|---|
+| `success` | `bool` | `true` on success |
+| `payload` | `array` | List of pending entries (top-level array, **not** under `payload.history`) |
+
+### Pending Entry
+
+| Field | Type | Description |
+|---|---|---|
+| `LockedID` | `string` | Unique ID for the pending entry |
+| `FromDate` | `string` | Date the hold was placed |
+| `LockedAmount` | `number` | Held amount — always a positive number on the wire; the client treats it as a **debit** by negating (`BmlHistoryClient.kt:184`) |
+| `Description` | `string` | Free-form description (counterparty/merchant) |
+
+> **Amount sign:** the server returns `LockedAmount` as a positive number with no debit/credit indicator. All pending entries are debits (funds reserved out of the available balance), so the client negates the value before display.
+
+> **Currency:** not returned by the server. The client assumes MVR.
+
+Called from `AccountHistoryFragment.kt:263` to populate the pending tab of the account history view.
+
+---
+
 &nbsp;
 
 ---

docs/bmlapi/08-transfer.md

@@ -224,7 +224,14 @@ curl --request POST \
 }
 ```
 
-`success: false` — the `message` field contains the reason. Common causes: wrong OTP, insufficient balance, invalid account.
+`success: false` — the error text may appear in either of two fields. The client prefers `payload` (when it is a non-blank string and not `"null"`) and falls back to `message` (`BmlTransferClient.kt:86-88`):
+
+| Field | When used |
+|---|---|
+| `payload` (string) | Validation-style errors — e.g. insufficient balance, account-specific failures |
+| `message` | Generic errors — e.g. invalid OTP, generic transfer failure |
+
+Common causes: wrong OTP, insufficient balance, invalid account, currency mismatch.
 
 ---
 

docs/bmlapi/10-validate.md

@@ -148,6 +148,10 @@ curl --request GET \
 | `name` | `string` | Account holder name |
 | `agnt` | `string` | BIC of MIB — send as the `bank` field in the [transfer](08-transfer.md) request |
 
+> **Client-synthesized fields**: when the app wraps this response for downstream code (`BmlValidateClient.kt:68`), it sets `trnType = "DOT"` and `validationType = "MIB"`. Neither is returned by the server.
+>
+> **No currency**: this endpoint does NOT return the MIB account's currency. The client sets `currency = ""` (`BmlValidateClient.kt:74-75`). Important for USD-vs-MVR transfer routing — currency must be sourced elsewhere (e.g. MIB's own lookup, see [MIB transfer docs](../mibapi/08-transfer.md)).
+
 ### Failure
 
 ```json

docs/bmlapi/12-tap-to-pay.md

@@ -77,6 +77,16 @@ Expected response: `{ "code": 0, "payload": [...] }`
 
 The OTP is a standard TOTP (RFC 6238, SHA-1, 30-second window, 6 digits) derived from the stored BML authenticator seed.
 
+### Failure Handling
+
+Each of the three POSTs validates the server's `code` field and throws on mismatch (`BmlTapToPayClient.kt:37, 42, 47`). The exception message is the server's `message` field:
+
+| Step | Expected code | Throws if |
+|---|---|---|
+| 1a | `0` (rare) or `99` | code is neither — `message` propagated |
+| 1b | `22` | code is not `22` — `message` propagated |
+| 1c | `0` | code is not `0` — `message` propagated |
+
 ### Token Response
 
 ```json
@@ -239,6 +249,33 @@ All APDU responses use BER-TLV encoding. Tags are 1 or 2 bytes (hex string). Len
 
 ---
 
+## Lifecycle
+
+The HCE service (`BmlHostCardEmulatorService`) keeps a single active `BmlWalletToken` in a volatile companion-object field. Tokens are single-use — exactly one tap consumes one token.
+
+### Companion API
+
+```kotlin
+BmlHostCardEmulatorService.setToken(token: BmlWalletToken)
+BmlHostCardEmulatorService.clearToken()
+BmlHostCardEmulatorService.onTransactionComplete: (success: Boolean) -> Unit
+```
+
+| Call | When |
+|---|---|
+| `setToken(token)` | After fetching a token, before prompting the user to tap |
+| `clearToken()` | After the tap completes, when the prompt is dismissed, or on error |
+| `onTransactionComplete(true)` | Fired immediately after the `READ RECORD` response (`BmlHostCardEmulatorService.kt:78`) |
+| `onTransactionComplete(false)` | Fired from `onDeactivated` if GPO was never seen (`BmlHostCardEmulatorService.kt:35-38`) — i.e. the reader walked away before completing the EMV exchange |
+
+### State Rules
+
+- A token MUST be installed via `setToken` before the user taps. With no active token, `SELECT PPSE` launches `BmlTapToPayActivity` (a redirector to `MainActivity`) and returns `6F00`.
+- The service tracks `gpoSent` to distinguish "user pulled the phone away" from a successful read. A successful `handleReadRecord` resets `gpoSent` to `false` via `onDeactivated` after the success callback has already fired.
+- `BmlTapToPayActivity` provides the "Tap your phone…" prompt UI. The activity is responsible for calling `setToken` before showing the prompt and `clearToken` when dismissed.
+
+---
+
 ## Prerequisites
 
 - Valid `access_token` from [OAuth Token Exchange](03-oauth-token.md)

docs/bmlapi/13-qr-payment.md

@@ -33,6 +33,16 @@ TLV path: **root tag `35` → sub-tag `20` → sub-sub-tag `01`**
 
 The value at tag `01` is the full `https://pay.bml.com.mv/app/...` URL.
 
+### 3. POS QR (`mv.com.bml.qtr`)
+
+BML POS terminals emit an EMVCo-style dynamic QR with no tag `26` and supplementary domain
+`mv.com.bml.qtr`. The same TLV path (`35` → `20` → `01`) holds a bare reference such as
+`02:215c7b9f15ce4ed28e15697ea976db99` instead of a URL. That bare reference — not the whole payload,
+which is rejected with code `112` — is what gets Base64-encoded into the payrequest lookup below.
+The reference does **not** resolve as a `pay.bml.com.mv/app/` short code in a browser; only the API
+understands it. See
+[PayMV QR Format → BML POS QR](../thijooree/18-paymv-qr-format.md#bml-pos-qr-mvcombmlqtr).
+
 ---
 
 ## PayMV QR Format (TLV)
@@ -71,19 +81,29 @@ PayMV QRs (static, PayMV-native) use a decimal TLV encoding (not BER-TLV):
 GET https://www.bankofmaldives.com.mv/internetbanking/api/mobile/walletpayments/payrequest/{base64Url}
 ```
 
-`{base64Url}` is the full QR URL (e.g. `https://pay.bml.com.mv/app/...`) base64-encoded with standard encoding (with padding).
+`{base64Url}` is the lookup key, base64-encoded with standard encoding — the full QR URL
+(e.g. `https://pay.bml.com.mv/app/...`), or for POS QRs the bare `35` → `20` → `01` reference.
+BML's own app omits the `=` padding; the padded form resolves as well, so the client matches the app
+rather than relying on either being required.
 
 ### Headers
 
 | Header | Value |
 |---|---|
+| `accept` | `application/json` — **required in practice**, see below |
 | `Authorization` | `Bearer <access_token>` |
 | `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
 | `x-app-version` | `2.1.44.348` |
 
+> **`accept: application/json` is not optional.** Handled errors (codes 103, 112, …) come back as
+> JSON regardless, but when the route throws, the server renders the Internet Banking HTML login
+> page — under HTTP **200** — instead of a JSON error body. A client without the header then sees a
+> "successful" HTML response it cannot parse. All BML API requests set it in `bmlApiRequest()`.
+
 ```bash
 curl --request GET \
   --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/walletpayments/payrequest/<base64Url>' \
+  --header 'accept: application/json' \
   --header 'Authorization: Bearer <access_token>' \
   --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
   --header 'x-app-version: 2.1.44.348'
@@ -116,6 +136,16 @@ curl --request GET \
 | `amount` | Payment amount (`"0.00"` for static QRS) |
 | `currency` | Currency code (typically `"MVR"`) |
 
+### Failure Responses
+
+`success: false` comes back with a code and a user-facing message; the client shows BML's own
+wording and keeps the user on the Transfer screen.
+
+| Code | Message |
+|---|---|
+| `103` | The payment request has expired |
+| `112` | Unsupported payment link |
+
 ---
 
 ## Step 2 — Pay (3-Step TOTP Flow)
@@ -150,7 +180,7 @@ POST https://www.bankofmaldives.com.mv/internetbanking/api/mobile/walletpayments
 
 Expected response: `{ "success": true, "code": 99 }` (OTP required)
 
-> **Note:** This step may be skipped. The app proceeds directly to Step 2b if the gateway already indicates OTP is required.
+> **When this step is used:** the client only calls `preInitiatePayment` for **gateway QRs** — QR URLs that begin with `https://pay.bml.com.mv/app/` (`TransferFragment.kt:349, 1419-1423`). For PayMV-native static QRs (`QRS`), Step 2a is skipped and the flow starts at Step 2b.
 
 ### Step 2b — Request OTP Channel
 
@@ -195,6 +225,8 @@ Expected response:
 }
 ```
 
+> **Currency fallback:** if the server's `payload.currency` is blank, the client falls back to the `currency` value sent in the request (`BmlQrPayClient.kt:148`). The same applies to `merchant` and `amount` at the UI layer.
+
 On failure:
 
 ```json
@@ -240,4 +272,4 @@ The OTP is a standard TOTP (RFC 6238, SHA-1, 30-second window, 6 digits) derived
 
 ---
 
-[← Tap-to-Pay](12-tap-to-pay.md)
+[← Tap-to-Pay](12-tap-to-pay.md) &nbsp;&nbsp;&nbsp; **Next →** [Notifications](14-notifications.md)

docs/bmlapi/14-notifications.md

@@ -0,0 +1,171 @@
+# Notifications
+
+In-app notifications (transaction alerts, security events, marketing) are served from a separate host. Notifications are fetched in pages and can be bulk-marked as read.
+
+The polling service runs in the background and posts an Android system notification for each unseen item (`service/NotificationPollingService.kt:64`).
+
+---
+
+## Base URL
+
+```
+https://app.bankofmaldives.com.mv/api/v2
+```
+
+Distinct from the main `internetbanking/api/mobile` host, but uses the same Bearer token.
+
+---
+
+## Prerequisites
+
+- Valid `access_token` from [OAuth Token Exchange](03-oauth-token.md)
+
+---
+
+## Fetch Notifications
+
+```
+GET https://app.bankofmaldives.com.mv/api/v2/notifications?group={group}&page={page}
+```
+
+### Query Parameters
+
+| Parameter | Type | Description |
+|---|---|---|
+| `group` | `string` | Filter by group — `ALL` (default), or a specific group (e.g. `ALERTS`) |
+| `page` | `int` | 1-based page number |
+
+### Headers
+
+| Header | Value |
+|---|---|
+| `Authorization` | `Bearer <access_token>` |
+| `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
+| `x-app-version` | `2.1.44.348` |
+
+```bash
+curl --request GET \
+  --url 'https://app.bankofmaldives.com.mv/api/v2/notifications?group=ALL&page=1' \
+  --header 'Authorization: Bearer <access_token>' \
+  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'x-app-version: 2.1.44.348'
+```
+
+### Response
+
+```json
+{
+  "success": true,
+  "total": 137,
+  "payload": [
+    {
+      "id": "abc123",
+      "group": "ALERTS",
+      "type": "TRANSACTION",
+      "title": "Transaction Alert",
+      "message": "MVR 100.00 debited from 7730000000001",
+      "created_at": "2026-05-16T15:10:25",
+      "is_read": false,
+      "data": {
+        "account_number": "7730000000001",
+        "amount": "100.00",
+        "currency": "MVR",
+        "reference": "FT20260516123456"
+      }
+    }
+  ]
+}
+```
+
+### Top-level Fields
+
+| Field | Type | Description |
+|---|---|---|
+| `success` | `bool` | `true` on success |
+| `total` | `int` | Total notification count across all pages |
+| `payload` | `array` | List of notifications for this page |
+
+### Notification Object
+
+| Field | Type | Description |
+|---|---|---|
+| `id` | `string` | Unique notification ID |
+| `group` | `string` | Logical grouping (e.g. `ALERTS`) — also the value passed back to the `group` filter |
+| `type` | `string` | Sub-type within the group (e.g. `TRANSACTION`) |
+| `title` | `string` | Short headline |
+| `message` | `string` | Body text |
+| `created_at` | `string` | Timestamp — `yyyy-MM-dd'T'HH:mm:ss` (no timezone) |
+| `is_read` | `bool` | Read state |
+| `data` | `object?` | Optional structured detail payload — fields vary by type |
+
+### `data` Field Flattening
+
+Where present, the `data` object is flattened into the notification's detail view as key-value rows. The client transforms each `data` key with underscore → space and title-case (`BmlNotificationsClient.kt:93-94`):
+
+```
+"account_number" → "Account Number"
+"reference"      → "Reference"
+```
+
+Three synthetic rows are prepended:
+
+| Row | Value |
+|---|---|
+| `Bank` | `BML` |
+| `Group` | from `group` field |
+| `Type` | from `type` field |
+
+---
+
+## Mark All Read
+
+```
+PUT https://app.bankofmaldives.com.mv/api/v2/notifications/read
+```
+
+### Headers
+
+| Header | Value |
+|---|---|
+| `Authorization` | `Bearer <access_token>` |
+| `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
+| `x-app-version` | `2.1.44.348` |
+| `accept` | `application/json` |
+| `Content-Type` | `application/json` |
+
+### Request Body
+
+```json
+{
+  "all": true
+}
+```
+
+```bash
+curl --request PUT \
+  --url 'https://app.bankofmaldives.com.mv/api/v2/notifications/read' \
+  --header 'Authorization: Bearer <access_token>' \
+  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'x-app-version: 2.1.44.348' \
+  --header 'accept: application/json' \
+  --header 'Content-Type: application/json' \
+  --data '{"all":true}'
+```
+
+### Response
+
+The client treats any 2xx response as success — the response body is discarded.
+
+---
+
+## Polling
+
+`service/NotificationPollingService.kt:64` polls page 1 of every active BML session at a fixed interval, diffs the result against a local cache, and posts an Android system notification for each new item.
+
+---
+
+&nbsp;
+
+---
+
+[← QR Payment](13-qr-payment.md) &nbsp;&nbsp;&nbsp; **Next →** [Card Freeze](15-card-freeze.md)

docs/bmlapi/15-card-freeze.md

@@ -0,0 +1,121 @@
+# Card Freeze / Unfreeze
+
+Lock or unlock a BML card to block / allow new authorisations. The same endpoint handles both actions, distinguished by the `action` field.
+
+---
+
+## Endpoint
+
+```
+POST https://www.bankofmaldives.com.mv/internetbanking/api/mobile/services/card/freeze
+```
+
+---
+
+## Prerequisites
+
+- Valid `access_token` from [OAuth Token Exchange](03-oauth-token.md)
+- `cardId` is the **internal card UUID** (`BankAccount.internalId`, sourced from the `id` field of a `Card` entry in the [dashboard](04-dashboard.md) response) — NOT the displayed 16-digit card number
+
+---
+
+## Request
+
+### Body
+
+**Content-Type:** `application/json`
+
+```json
+{
+  "card": "<internalId>",
+  "action": "freeze"
+}
+```
+
+| Field | Type | Notes |
+|---|---|---|
+| `card` | `string` | Internal card UUID — the `id` from the dashboard Card object |
+| `action` | `string` | `"freeze"` to lock the card; `"unfreeze"` to unlock |
+
+### Headers
+
+| Header | Value |
+|---|---|
+| `Authorization` | `Bearer <access_token>` |
+| `User-Agent` | `bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})` |
+| `x-app-version` | `2.1.44.348` |
+| `accept` | `application/json` |
+| `Content-Type` | `application/json` |
+
+```bash
+curl --request POST \
+  --url 'https://www.bankofmaldives.com.mv/internetbanking/api/mobile/services/card/freeze' \
+  --header 'Authorization: Bearer <access_token>' \
+  --header 'User-Agent: bml-mobile-banking/348 ({manufacturer}; Android {version}; {model})' \
+  --header 'x-app-version: 2.1.44.348' \
+  --header 'accept: application/json' \
+  --header 'Content-Type: application/json' \
+  --data '{"card":"abc-123-def-456","action":"freeze"}'
+```
+
+---
+
+## Response
+
+```json
+{
+  "success": true,
+  "code": 0,
+  "payload": "Card frozen successfully",
+  "message": ""
+}
+```
+
+### Fields
+
+| Field | Type | Description |
+|---|---|---|
+| `success` | `bool` | `true` on success |
+| `code` | `int` | `0` on success; non-zero indicates an error |
+| `payload` | `string` | Human-readable confirmation text (may be blank) |
+| `message` | `string` | Fallback error/info text |
+
+Success is determined by **both** `success == true` AND `code == 0` (`BmlCardClient.kt:46`). Either condition alone is not enough.
+
+### Display Message
+
+The client prefers `payload` for the confirmation text and falls back to `message` when `payload` is blank (`BmlCardClient.kt:49`):
+
+```
+payload (if non-blank) → fallback message
+```
+
+---
+
+## Failure
+
+```json
+{
+  "success": false,
+  "code": 1,
+  "payload": "",
+  "message": "Card cannot be frozen at this time"
+}
+```
+
+Returned with HTTP `200` for application-level errors. The `message` (or `payload`) field contains the reason.
+
+### Server / Auth Errors
+
+| HTTP Code | Behaviour |
+|---|---|
+| `401` / `419` | Throws `AuthExpiredException` — refresh the token or re-login |
+| `5xx` | Throws `BankServerException("BML")` — server-side failure, retry |
+
+---
+
+&nbsp;
+
+---
+
+[← Notifications](14-notifications.md)

docs/bmlapi/README.md

@@ -25,6 +25,7 @@ The login process is stateful and must be executed in order:
 | Web login / OAuth | `https://www.bankofmaldives.com.mv/internetbanking` |
 | REST API (authenticated) | `https://www.bankofmaldives.com.mv/internetbanking/api/mobile` |
 | Foreign limits API | `https://app.bankofmaldives.com.mv/api/v2` |
+| Notifications API | `https://app.bankofmaldives.com.mv/api/v2` |
 
 ---
 
@@ -190,6 +191,8 @@ The access token expires after `expires_in` seconds (typically 3600). On a `401`
 | 11 | [Foreign Limits](11-foreign-limits.md) | USD foreign transaction limits by card and channel |
 | 12 | [Tap-to-Pay](12-tap-to-pay.md) | NFC HCE contactless payment — token fetch and EMV APDU exchange |
 | 13 | [QR Payment](13-qr-payment.md) | PayMV QR payment — QR formats, payrequest lookup, 3-step pay flow |
+| 14 | [Notifications](14-notifications.md) | Notifications list, mark-as-read, and polling |
+| 15 | [Card Freeze](15-card-freeze.md) | Freeze / unfreeze a BML card |
 
 ---
 

docs/fahipayapi/06-profile-picture.md

@@ -1,112 +1,43 @@
 # Profile Picture
 
-Fetch the authenticated user's profile picture. The endpoint redirects to the actual image URL.
+Fahipay profile pictures are **stored locally** by the app. There is no Fahipay endpoint involved.
+
+The official Fahipay app exposes `GET https://fahipay.mv/images/profiles/picture/?t={timestamp}` (a 302 redirect to the actual image), but this client never calls it — Fahipay accounts get a user-set picture saved on the device only.
 
 ---
 
-## Endpoint
+## Storage
 
-```
-GET https://fahipay.mv/images/profiles/picture/?t={timestamp}
-```
+`util/ProfileImageStore.kt` — keyed file storage under `filesDir/profile_images/`.
 
----
-
-## Prerequisites
-
-- Valid `authID` from [login](01-login.md) or [OTP](02-otp.md)
-- Valid `__Secure-sess` session cookie
-
----
-
-## Request
-
-### Headers
-
-| Header | Value |
+| Bank | Key |
 |---|---|
-| `authid` | `xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx` |
-| `User-Agent` | `okhttp/4.12.0` |
-| `Accept-Encoding` | `gzip` |
-| `Connection` | `Keep-Alive` |
-| `Cookie` | `__Secure-sess=xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx` |
+| Fahipay | `fahipay_{loginId}` |
+| BML | `bml_{profileId}` |
+| MIB | (n/a — fetched from server via [P41](../mibapi/02-login.md)) |
 
-### Query Parameters
+Helpers:
 
-| Parameter | Description | Example |
-|---|---|---|
-| `t` | Cache-busting timestamp string | `Sat May 16 2026 14:57:52 GMT+0500` |
+```kotlin
+ProfileImageStore.fahipayKey(loginId)   // "fahipay_abc123"
+ProfileImageStore.save(context, key, bitmap)
+ProfileImageStore.load(context, key)    // Bitmap?
+ProfileImageStore.delete(context, key)
+```
 
-The `t` parameter is a URL-encoded timestamp used to prevent browser caching. The value can be any string — the server ignores it for routing purposes.
+Files are JPEGs at quality 90. The filename is the key with non-alphanumerics replaced by `_`.
 
 ---
 
-## curl Example
+## UI entry points
 
-```bash
-curl --request GET \
-  --url 'https://fahipay.mv/images/profiles/picture/?t=Sat%20Jan%2001%202026%2012:00:00%20GMT+0500' \
-  --compressed \
-  --header 'Accept-Encoding: gzip' \
-  --header 'Connection: Keep-Alive' \
-  --header 'Cookie: __Secure-sess=xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx' \
-  --header 'User-Agent: okhttp/4.12.0' \
-  --header 'authid: xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx'
-```
+Set/replace/remove a Fahipay profile picture from **Settings → Logins** (`ui/home/SettingsLoginsFragment.kt`). The pencil icon next to a Fahipay login opens a chooser:
 
----
+- Pick from gallery (`ACTION_OPEN_DOCUMENT` image/*)
+- Take a photo (camera launcher, temp file at `cacheDir/profile_photo_tmp.jpg`)
+- Remove current picture
 
-## Response
-
-### Success
-
-The server responds with `HTTP 302` and a `Location` header pointing to the actual image URL.
-
-```
-HTTP/1.1 302 Found
-Location: https://fahipay.mv/images/profiles/0000/avatar.jpg?v=0000000000
-```
-
-Follow the redirect to download the image. The final response is the raw image bytes (`image/jpeg` or `image/png`).
-
----
-
-### No Picture Set
-
-If the user has not uploaded a profile picture, the redirect points to a default placeholder image:
-
-```
-Location: https://fahipay.mv/images/profiles/default.png
-```
-
----
-
-### Error
-
-If the session is invalid, the server returns `HTTP 401` or redirects to an error page.
-
----
-
-## Implementation Notes
-
-- HTTP clients that follow redirects automatically (e.g. `OkHttpClient` with `followRedirects(true)`) will return the image bytes directly.
-- Use `followRedirects(false)` and read the `Location` header if you need the resolved image URL separately.
-- The image URL contains the user's `profileID` in the path — this matches the `profileID` field from the [profile response](03-profile.md).
-- The `v=` query parameter in the image URL is a version/cache key. It changes when the user updates their picture.
-
----
-
-## Suggested Usage
-
-```
-timestamp = current time formatted as URL-safe string
-GET /images/profiles/picture/?t={timestamp}
-  → 302 Location: <image URL>
-  → GET <image URL>
-  → image bytes
-```
-
-Cache the downloaded image by `profileID` and re-fetch when the user explicitly refreshes, rather than on every app launch.
+Saved images are surfaced anywhere the account is shown — accounts list, contact picker, receipts — via a `localProfileImageLoader` that resolves the key with `ProfileImageStore.load`.
 
 ---